Document:

Noncompete
      and Nondisclosure Agreement

    

    THIS
      NONCOMPETE AND NONDISCLOSURE AGREEMENT ("Agreement") dated as of May 3, 2006
      by
      and between Freedom Financial Mortgage Corporation, a corporation with a
      principal place of business at 421 East Cook Road, Suite 200, Fort Wayne,
      Indiana 46825 ("Employer"), and Robin W. Hunt, an individual residing at 17318
      Dawkins Road, New Haven, IN 46788 ("Employee"). 

    

    WITNESSETH:
      

    

    WHEREAS,
      pursuant to an employment agreement of even date herewith, the Employee will
      be
      employed by the Employer commencing May 3, 2006 in connection with certain
      aspects of the development, implementation and/or marketing of certain products
      for Employer; and 

    

    WHEREAS,
      in connection with such employment, Employee may be given access to, generate,
      or otherwise come into contact with certain proprietary and/or confidential
      information of Employer or clients of Employer; and 

    

    WHEREAS,
      Employee and Employer desire to prevent the dissemination, unauthorized
      disclosure or misuse of such information; 

    

    NOW,
      THEREFORE, the parties hereto mutually agree as follows: 

    

    1. Covenant
      Not to Solicit:
      

    

    During
      the period commencing on the date hereof and ending three (3) years after the
      termination of the Employee's employment by Employer for any reason, the
      Employee shall not directly or indirectly induce or attempt to induce any of
      the
      employees of Employer to leave the employ of Employer, or solicit the business
      of any client or customer of Employer or any consultant to Employer.

    

    2. Covenant
      Not to Compete:
      

    

    During
      the period commencing on the date hereof, the Employee shall not, except as
      a
      passive investor in less than five percent (5%) of the equity securities of
      a
      publicly held company, engage in, or own or control an interest in, or act
      as
      principal, director or officer of, or consultant to, any firm or corporation
      (i)
      engaged in a venture or business substantially similar to that of the Employer
      or (ii) which is in direct or indirect competition with the Employer within
      any
      state in which the Employer now conducts, or conducts during the period of
      employment of the Employee, its business. 

    

    3. Proprietary
      Information:
      

    

    (a) For
      purposes of this Agreement, "Proprietary Information" shall mean any information
      relating to the business of Employer that has not previously been publicly
      released by duly authorized representatives of Employer and shall include (but
      shall not be limited to) information encompassed in all proposals, marketing
      and
      sales plans, financial information, costs, pricing information, computer
      programs (including source code, object code, algorithms and models), customer
      information, customer lists, and all methods, concepts, know-how or ideas in
      or
      reasonably related to the business of Employer as well as confidential
      information belonging to Employer's customers or clients. The Employee agrees
      to
      regard and preserve as confidential all Proprietary Information whether Employee
      has such Proprietary Information in Employee's memory or in writing or other
      physical form. 

     

    
      
        
        

      

      
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    (b) 
      The
      Employee will not, without written authority from Employer to do so, directly
      or
      indirectly, use any Proprietary Information for Employee's benefit or purposes,
      nor disclose any Proprietary Information to others, either during the term
      of
      Employee's employment by Employer or thereafter, except as required by the
      conditions of Employee's employment by Employer. The Employee agrees not to
      remove from the premises of Employer, except as an employee of Employer in
      pursuit of the business of Employer, or except as specifically permitted in
      writing by Employer, any document or object containing or reflecting any
      Proprietary Information. The Employee recognizes that all such documents and
      objects, whether developed by Employee or by someone else, are the sole and
      exclusive property of Employer.

     

    (c) All
      Proprietary Information and all of the Employee's interest in trade secrets,
      trademarks, computer programs, customer information, customer lists, employee
      lists, products, procedure, copyrights and developments created or developed
      by
      Employee during the term of this agreement as a result of, or in connection
      with, Employee's employment by Employer, shall be the sole and exclusive
      property of Employer and shall be deemed work made for hire for purposes of
      the
      United States copyright laws. Without further compensation, but at Employer's
      expense, forthwith upon request of the Employer, Employee shall execute any
      and
      all such assignments and other documents and take any and all such other action
      as Employer may reasonably request in order to vest in Employer all of
      Employee's right, title and interest in all of the aforesaid items, free and
      clear of any and all liens, claims and encumbrances of any kind or nature
      whatsoever. 

    

    4. Saving
      Provision:
      

    

    The
      Employee expressly agrees that the covenants set forth in this Agreement are
      being given to Employer in connection with the employment of the Employee by
      Employer and that such covenants are intended to protect Employer against the
      competition by the Employee, within the terms stated, to the fullest extent
      deemed reasonable and permitted in law and equity. In the event that the
      foregoing limitations upon the conduct of the Employee are beyond those
      permitted by law, such limitations, both as to time and geographical area,
      shall
      be, and be deemed to be, reduced in scope and effect to the maximum extent
      permitted by law.

    

    5. Injunctive
      Relief:

    

    The
      Employee acknowledges that disclosure of any Confidential Information or breach
      of any of the non-competitive covenants or agreements contained herein will
      give
      rise to irreparable injury to Employer or clients of Employer, inadequately
      compensable in damages. Accordingly, Employer or, where appropriate a client
      of
      Employer, may seek and obtain injunctive relief against the breach or threatened
      breach of the foregoing undertakings, in addition to any other legal remedies
      which may be available. The Employee further acknowledges and agrees that in
      the
      event of the termination of employment with the Employer the Employee's
      experience and capabilities are such that the Employee can obtain employment
      in
      business activities which are of a different or non-competing nature with his
      or
      her activities as an employee of Employer; and that the enforcement of a remedy
      hereunder by way of injunction shall not prevent the Employee from earning
      a
      reasonable livelihood. The Employee further acknowledges and agrees that the
      covenants contained herein are necessary for the protection of the Company's
      legitimate business interests and are reasonable in scope and content, and
      that
      the Employee will, promptly upon the request of Employer at any time, cause
      any
      subsequent employer to execute and deliver to Employer a confidentiality and
      non-disclosure agreement in substantially the form of Section 2 hereof and
      otherwise satisfactory to Employer. 

     

    
      
        
        

      

      
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    6. Enforceability:
      

    

    The
      provisions of this Agreement shall be enforceable notwithstanding the existence
      of any claim or cause of action of Employee against Employer whether predicated
      on this Agreement or otherwise. 

    

    7. Term:
      

    

    This
      Agreement shall commence on the date hereof and shall terminate upon the
      termination of the Employee's employment by the Employer for any reason,
provided
      that the
      provisions of Sections 1, 2, 3 and 4 hereof shall survive the termination of
      this Agreement. 

    

    8. Governing
      Law:
      

    

    The
      Agreement shall be construed in accordance with the laws of the State of
      Indiana. 

    

    9. General:
      

    

    This
      Agreement contains the entire agreement of the parties relating to the subject
      matter hereof. This Agreement may be modified only by an instrument in writing
      signed by both parties hereto. Any notice to be given under this Agreement
      shall
      be sufficient if it is in writing and is sent by certified or registered mail
      to
      Employee at his residence address as the same appears on the books and records
      of Employer or to Employer at its principal office, attention of the President,
      or otherwise as directed by Employer, from time to time. Non-compliance with
      any
      one paragraph of this agreement shall not have an effect on the validity of
      any
      other part of this Agreement. The provisions of this Agreement relating to
      confidentiality or non-competition shall survive the termination of employment,
      however caused.

     

    
      
        
        

      

      
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    10. Designation
      of Agent:
      

    

    Employee
      represents, warrants and covenants that he is subject to service of process
      in
      the State of Indiana and that he will remain so subject so long as this
      Agreement is in effect. If for any reason any Employee should not be so subject,
      Employee hereby designates and appoints, without power of revocation, the
      Secretary of the State of Indiana as his agent upon whom may be served all
      process, pleadings, notices or other papers which may be served upon him as
      a
      result of any of his obligations under this Agreement.

    

    IN
      WITNESS WHEREOF, the undersigned have set their hands.

    

    Freedom
      Financial Mortgage Corporation

    

    
      	 	 	 	 
	By:
              /s/ 	 	 	
            
	
              
                

              

              Robin
                W. Hunt, its Vice President

            	 	 	
            

    

    

    Employee

    
      

      
        	 	 	 	 
	/s/ 	 	 	
              
	
                
                  

                

                Robin
                  W. Hunt

              	 	 	
              

      

      

      
        
          
          

        

        
          4Freedom
      Financial Holdings, Inc.

    6615
      Brotherhood Way, Suite A 

    Fort
      Wayne, Indiana 46825

    

    January
      10 , 2007

    

    Gregory
      Fields

    

    Dear
      Greg:

     

    This
      letter is being delivered in connection with your employment by Freedom
      Financial Holdings, Inc., a Maryland corporation (the “Company”).
      By
      signing this letter, you agree that this letter sets forth the basic terms
      and
      conditions of your employment. 

     

    1.  Salary.
      Your
      annual salary is currently set at $60,000. Any amounts paid as salary will
      be
      subject to regular payroll deductions and will be paid on a semi-monthly basis.
      As a general matter, your salary will be reviewed annually, but the Company
      reserves the right to change your compensation from time to time on reasonable
      notice. 

     

    2.  Duties.
      Your job title is Chief Operations Officer, but you may be assigned other titles
      and duties as needed and your title and duties may change from time to time
      on
      reasonable notice, based on the needs of the Company and your skills, as
      determined by the Company.

     

    As
      an
      exempt employee, you are required to exercise your specialized expertise,
      independent judgment and discretion to provide high-quality services. You are
      required to follow office policies and procedures adopted from time to time
      by
      the Company and to take such general direction as you may be given from time
      to
      time by your superiors. The Company reserves the right to change these policies
      and procedures at any time. (Also see Adjustments and Changes in Employment
      Status - below). You are required to devote 100% of your energies, efforts
      and
      abilities to your employment, unless the Board expressly agrees in writing
      otherwise. 

     

    3.  Hours
      of Work.
      As an
      exempt employee, you are expected to work the number of hours required to get
      the job done. However, you are generally expected to be present during normal
      working hours of the Company. Normal working hours will be established by the
      Company and may be changed as needed to meet the needs of the
      business.

     

    4.  Adjustments
      and Changes in Employment Status. You understand that the Company reserves
      the
      right to make personnel decisions regarding your employment, including but
      not
      limited to decisions regarding any promotion, salary adjustment, transfer or
      disciplinary action, up to and including termination, consistent with the needs
      of the business.

     

    5.  Immigration
      Documentation. Please be advised that your continued employment is contingent
      on
      your ability to prove your identity and authorization to work in the U.S. for
      the Company. You must comply with the Immigration and Naturalization Service’s
      employment verification requirements.

     

    
      
         

      

      
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    6.  Representation
      and Warranty of Employee. You represent and warrant to the Company that the
      performance of your duties has not violated and will not violate any agreements
      with or trade secrets of any other person or entity.

     

    7.  Employee
      Benefits. You will be eligible to receive paid time off (“PTO”)
      from
      work for vacations, personal business, personal illness or family business
      in
      accordance with the Company’s current PTO policy. You are also eligible to
      receive the Company’s standard health insurance benefits and dental insurance
      benefits, as provided in benefit plans currently, or to be, maintained by the
      Company. These benefits may change from time to time. You will be covered by
      workers’ compensation insurance and State Disability Insurance, as required by
      state law.

     

    8.  Equity-Based
      Compensation. You may be eligible to receive awards of equity-based compensation
      (e.g., options to acquire shares of the capital stock of the Company or the
      opportunity to purchase restricted shares of such stock) pursuant to one or
      more
      employee benefit plans maintained by the Company from time to time for such
      purpose; however, any such compensation shall be (i) solely within the
      discretion of the Board (or a Committee of the Board maintained for such
      purpose) and (ii) subject to the terms of any definitive agreement with
      respect thereto.

     

    9.  Term
      of
      Employment. Your employment with the Company shall remain “at-will”
after
      the effective date of this Agreement. In other words, either you or the Company
      can terminate your employment at any time for any reason, with or without cause
      and with or without notice.

     

    10.  Dispute
      Resolution Procedure. You and the Company (the “parties”)
      agree
      that any dispute arising out of or related to the employment relationship,
      including the termination of that relationship and any allegations of unfair
      or
      discriminatory treatment arising under state or federal law or otherwise, to
      the
      maximum extent permitted by law, shall be resolved by final and binding
      arbitration, except where the law specifically forbids the use of arbitration
      as
      a final and binding remedy, or where section (d) below specifically allows
      a
      different remedy. The following dispute resolution procedure shall
      apply:

     

    (a)  The
      party
      claiming to be aggrieved shall furnish to the other party a written statement
      of
      the grievance identifying any witnesses or documents that support the grievance
      and the relief requested or proposed.

     

    (b)  The
      responding party shall furnish a statement of the relief, if any, that it is
      willing to provide, and the witnesses or documents that support its position
      as
      to the appropriate action. The parties can mutually agree to waive this step.
      If
      the matter is not resolved at this step, the parties shall submit the dispute
      to
      non-binding mediation before a mediator to be jointly selected by the parties.
      The Company will pay the cost of the mediation.

     

    (c)  If
      the
      mediation does not produce a resolution of the dispute, the parties agree that
      the dispute shall be resolved by final and binding arbitration. The parties
      shall attempt to agree to the identity of an arbitrator, and, if they are unable
      to do so, they will obtain a list of arbitrators from the Federal Mediation
      and
      Conciliation Service and select an arbitrator by striking names from that
      list.

     

    
      
         

      

      
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    The
      arbitrator shall have the authority to determine whether the conduct complained
      of in subsection (a) of this section violates the rights of the complaining
      party and, if so, to grant any relief authorized by law, subject to the
      exclusions of subsection (d) below. The arbitrator shall not have the authority
      to modify, change or refuse to enforce the terms of any employment agreement
      between the parties. In addition, the arbitrator shall not have the authority
      to
      require the Company to change any lawful policy or benefit plan.

     

    The
      hearing shall be transcribed. The Company shall bear the costs of the
      arbitration if you prevail. If the Company prevails, you will pay half the
      cost
      of the arbitration or $500, whichever is less. Each party shall be responsible
      for paying its own attorneys fees.

     

    Arbitration
      shall be the exclusive final remedy for any dispute between the parties, to
      the
      maximum extent permitted by law, including but not limited to disputes involving
      claims for discrimination or harassment (such as claims under the Fair
      Employment and Housing Act, Title VII of the Civil Rights Act of 1964, the
      Americans with Disabilities Act, or the Age Discrimination in Employment Act),
      wrongful termination, breach of contract, breach of public policy, physical
      or
      mental harm or distress or any other disputes, and the parties agree that no
      dispute shall be submitted to arbitration where the party claiming to be
      aggrieved has not complied with the preliminary steps provided for in
      subsections (a) and (b) above.

     

    The
      parties agree that the arbitration award shall be enforceable in any court
      having jurisdiction to enforce this Agreement, so long as the arbitrator’s
      findings of fact are supported by substantial evidence on the whole and the
      arbitrator has not made errors of law; provided,
      however,
      that
      either party may bring an action in a court of competent jurisdiction regarding
      or related to matters involving the Company’s confidential, proprietary or trade
      secret information, or regarding or related to inventions that you may claim
      to
      have developed prior to joining the Company or after joining the Company. The
      parties further agree that, for violations of your confidentiality, proprietary
      information or trade secret obligations which the parties have elected to submit
      to arbitration, the Company retains the right to seek preliminary injunctive
      relief in court in order to preserve the status quo or prevent irreparable
      injury before the matter can be heard in arbitration.

     

    (d)  The
      Company reserves the right to modify, change or cancel this provision upon
      30 days written notice. However, such cancellation shall not affect matters
      which have already been submitted to arbitration.

     

    11.  Integrated
      Agreement.
      Please
      note that this Agreement supersedes any prior agreements, representations or
      promises of any kind, whether written, oral, express or implied between the
      parties hereto with respect to the subject matters herein. It constitutes the
      full, complete and exclusive agreement between you and the Company with respect
      to the subject matters herein. This agreement cannot be changed unless in
      writing, signed by you and the Chief Executive Officer or President of the
      Company.

     

    
      
         

      

      
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    12.  Severability.
      If any term of this Agreement is held to be invalid, void or unenforceable,
      the
      remainder of this Agreement shall remain in full force and effect and shall
      in
      no way be affected; and, the parties shall use their best efforts to find an
      alternative way to achieve the same result.

     

    In
      order
      to confirm your agreement with these terms, please sign one copy of this letter
      and return it to me. The other copy is for your records. If there is any matter
      in this letter which you wish to discuss further, please do not hesitate to
      speak to me.

    
      	 	 	 
	 	Very
              truly
              yours,
	 	 
	 	Freedom Financial Holdings,
              Inc.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
              
Brian
              Kistler, its Chief Executive
              Officer

    

     

    I
      agree
      to the terms of employment set forth in this Agreement.

     

    
      	 	 	 	 
	Signature:
               /s/	 	 	 
	
              
                

              
Name (printed): Gregory Fields	 	 	
              
Date
              January 10, 2006

    

     

    
      
         

      

      
        4

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