Document:

EXHIBIT
      10.1

     

    SUBSCRIPTION
      AGREEMENT

    

    THIS
      SUBSCRIPTION AGREEMENT (“Agreement”) made as of this __ day of ___________,
      2008, by and among Title Starts Online, Inc., a Nevada corporation (the
“Company”), and the undersigned subscriber of securities of the Company (the
“Subscriber”).

    

    WHEREAS,
      the Company intends to obtain subscriptions for the purchase and sale, in an
      offering registered under the Securities Act of 1933, as amended (the “Act”), on
      Form SB-2 (the “Registration Statement”) filed with the Securities and Exchange
      Commission (the “Offering”), consisting of a minimum of 200,000 and a maximum of
      900,000 shares of the Company’s common stock, par value .001 (the “Shares”), on
      the terms and conditions as set forth in the prospectus (the “Prospectus”) which
      is a part of the Company’s Registration Statement, and the Subscriber desires to
      acquire that number of Shares set forth on the signature page hereof. This
      Agreement incorporates terms as defined by Title Starts Online, Inc.'s
      Registration Statement.

     

    NOW,
      THEREFORE, for and in consideration of the promises and the mutual covenants
      hereinafter set forth, the parties hereto do hereby agree as
      follows:

     

    1.
      Subscription
      Procedure

    

    1.1 Subject
      to the terms and conditions set forth herein and in the Registration Statement,
      the Subscriber hereby subscribes for and agrees to purchase from the Company
      such number of Shares as is set forth upon the signature page hereof at a price
      of $0.25 per Share (the “Purchase Price”). The Company agrees to sell such
      Shares to the Subscriber for the Purchase Price.

    

    1.2 The
      subscription period will begin as of the date the Registration Statement is
      declared effective by the Securities and Exchange Commission (“SEC”) and will
      terminate at 5:00 PM Local Time on June 30, 2008, unless terminated earlier
      or
      extended by the Company for up to an additional 30 days (the “Offering Period”).
      The Shares will be offered on a minimum/maximum basis as more particularly
      set
      forth in the Registration Statement. The minimum dollar amount of Shares that
      may be purchased by the Subscriber is $1,250 unless the Company elects to waive
      the requirement. The consummation of the Offering is subject to the satisfaction
      of the closing conditions set forth in Section 5 of this Agreement.

    

    1.3 The
      Purchase Price will be placed in escrow pursuant to an escrow agreement by
      and
      between Company and its escrow agent (the “Escrow Agreement”), and shall be paid
      over to the Company at the closing of the purchase of the Shares in the Offering
      pursuant to this Agreement (the “Closing”).

    

    1.4 The
      certificates for the Common Stock bearing the name of the Subscriber will be
      delivered by the Company no later than twenty (20) days following the Closing
      of
      the Offering. The Subscriber hereby authorizes and directs the Company to
      deliver the Shares to be issued to the Subscriber pursuant to this Agreement
      and
      delivered to the residential or business address indicated on the signature
      page
      hereof.

    

    1.5 This
      executed Subscription Agreement shall be forwarded to:

    

    
      	 	
              Carol
                McMahan

            
	 	
              Synergy
                Law Group, LLC

            
	 	
              730
                West Randolph Street

            
	 	
              Suite
                600

            
	 	
              Chicago,
                IL 60661

            

    

    

    1.6 The
      Purchase Price for the Shares purchased hereunder shall be paid by check or
      wire
      transfer (instructions available upon request) to Title Starts Online,
      Inc.

    

    1.7 The
      Company may, in its sole discretion, reject any subscription, in whole or in
      part, or terminate or withdraw the Offering in its entirety at any time prior
      to
      Closing. 

    
      
         

      

      
        
        

        
          

        

      

      
         

      

    

    

    2. Representations
      and Covenants of Subscriber.

     

    2.1 The
      Subscriber recognizes that the purchase of Shares involves a high degree of
      risk
      in that (i) the Company will likely need additional capital but has no assurance
      of additional necessary capital; (ii) an investment in the Company is highly
      speculative and only investors who can afford the loss of their entire
      investment should consider investing in the Company and the Shares; (iii) an
      investor may not be able to liquidate his or her investment; (iv) there is
      currently no market for the Shares; (v) an investor could sustain the loss
      of
      his or her entire investment; and (vi) the Company is and will be subject to
      numerous other risks and uncertainties, including without limitation,
      significant and material risks relating to the Company’s business, and the
      industries and markets in which the Company will compete, as well as risks
      associated with the Offering, and the other transactions contemplated herein,
      in
      the Registration Statement, all as more fully set forth herein and in the
      Registration Statement. 

    

    2.2 
      The
      Subscriber represents that he or she is able to bear the economic risk of an
      investment in the Shares. 

    

    2.3 The
      Subscriber acknowledges that he or she has reviewed all of the documents
      furnished or made available by the Company to evaluate the merits and risks
      of
      such an investment and that he or she recognizes the highly speculative nature
      of this investment. 

     

    2.4 The
      Subscriber acknowledges receipt and careful review of the Prospectus, this
      Agreement, and any other exhibits or attachments hereto and thereto
      (collectively, the “Offering Documents”) and hereby represents that he or she
      has been furnished or given access by the Company during the course of this
      Offering with or to all information regarding the Company and its respective
      financial condition and results of operations which he or she had requested
      or
      desired to know; that all documents which could be reasonably provided have
      been
      made available for his or her inspection and review; that he or she has been
      afforded the opportunity to ask questions of and receive answers from duly
      authorized representatives of the Company concerning the terms and conditions
      of
      the Offering, and any additional information which he or she had requested.
      

    

    2.5 The
      Subscriber acknowledges that this Offering of Shares may involve tax
      consequences, and that the contents of the Offering Documents do not contain
      tax
      advice or information. The Subscriber acknowledges that he or she must retain
      his or her own professional advisors to evaluate the tax and other consequences
      of an investment in the Shares.

     

    2.6 The
      Subscriber acknowledges that neither the SEC nor any state securities commission
      has approved or disapproved of the Shares or passed upon the accuracy or
      adequacy of the Prospectus. 

    

    2.7 The
      Subscriber understands that the Company will review this Agreement, and the
      Company reserves the unrestricted right to reject or limit any subscription
      and
      to close the offer at any time.

     

    2.8 The
      Subscriber hereby represents that the address of the Subscriber furnished on
      the
      signature page of this Agreement is the undersigned's principal residence if
      he
      or she is an individual or its principal business address if it is a corporation
      or other entity.

     

    2.9 The
      Subscriber hereby represents that, except as set forth in the Offering
      Documents, no representations or warranties have been made to the Subscriber
      by
      the Company or its agents, employees or affiliates and in entering into this
      transaction, the Subscriber is not relying on any information, other than that
      contained in the Offering Documents and the results of independent investigation
      by the Subscriber.

     

    2.10 If
      the
      undersigned Subscriber is a partnership, corporation, trust or other entity,
      such partnership, corporation, trust or other entity further represents and
      warrants that: (i) it is authorized and otherwise duly qualified to purchase
      and
      hold the Shares; and (ii) that this Agreement has been duly and validly
      authorized, executed and delivered and constitutes the legal, binding and
      enforceable obligation of the undersigned.

    
      
         

      

      
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    2.11 If
      the
      Subscriber is not a United States person, such Subscriber hereby represents
      that
      it has satisfied itself as to the full observance of the laws of its
      jurisdiction in connection with any invitation to subscribe for the Shares
      or
      any use of this Agreement, including (i) the legal requirements within its
      jurisdiction for the purchase of the Shares, (ii) any foreign exchange
      restrictions applicable to such purchase, (iii) any governmental or other
      consents that may need to be obtained, and (iv) the income tax and other tax
      consequences, if any, that may be relevant to the purchase, holding, redemption,
      sale or transfer of the Shares. Such Subscriber's subscription and payment
      for,
      and his or her or her continued beneficial ownership of the Shares, will not
      violate any applicable securities or other laws of the Subscriber's
      jurisdiction. 

     

    3. Representations
      by the Company.

    Except
      as
      set forth in the Registration Statement or any other items provided to
      Subscriber, the Company represents and warrants to the Subscriber that:

     

    3.1 Organization
      and Authority.
      The
      Company, and its respective subsidiaries, if any (i) is a corporation validly
      existing and in good standing under the laws of the jurisdiction of its
      incorporation, (ii) has all requisite corporate power and authority to own,
      lease and operate its properties and to carry on its business as presently
      conducted, and (iii) has all requisite corporate power and authority to execute,
      deliver and perform their obligations under this Agreement and the Offering
      Documents being executed and delivered by it in connection herewith, and to
      consummate the transactions contemplated hereby and thereby.

     

    3.2 Qualifications.
      The
      Company, and each of its respective subsidiaries, if any, is duly qualified
      to
      do business as a foreign corporation and is in good standing in all
      jurisdictions where such qualification is necessary and where failure to so
      qualify could have a material adverse effect on the business, properties,
      operations, condition (financial or other), results of operations or prospects
      of the Company and its subsidiaries, taken as a whole or has the affect of
      preventing the Company from performing any of its duties or obligations under
      this Agreement. (a “Material Adverse Effect”).

     

    3.3 Corporate
      Authorization.
      The
      Offering Documents have been duly and validly authorized by the Company. This
      Agreement, assuming due execution and delivery by the Subscriber, when the
      Subscription Agreement is executed and delivered by the Company, will be, valid
      and binding obligations of the Company, enforceable in accordance with their
      respective terms, except as the enforceability hereof and thereof may be limited
      by bankruptcy, insolvency, reorganization, moratorium or other similar laws
      now
      or hereafter in effect relating to or affecting creditors’ rights generally and
      general principles of equity, regardless of whether enforcement is considered
      in
      a proceeding in equity or at law.

     

    3.4 Non-Contravention.
      The
      execution and delivery of the Offering Documents by the Company, the issuance
      of
      the Shares as contemplated by the Offering Documents, with or without the giving
      of notice or the lapse of time, or both, will not (i) result in any violation
      of
      any provision of the articles of incorporation or by-laws or similar instruments
      of the Company or its respective subsidiaries, (ii) conflict with or result
      in a
      breach by the Company or its respective subsidiaries of any of the terms or
      provisions of, or constitute a default under, or result in the modification
      of,
      or result in the creation or imposition of any lien, security interest, charge
      or encumbrance upon any of the properties or assets of the Company or its
      respective subsidiaries, pursuant to any agreements, instruments or documents
      or
      any indenture, mortgage, deed of trust or other agreement or instrument to
      which
      Company or any of its subsidiaries is a party or by which Company or any of
      its
      subsidiaries or any of its properties or assets are bound or affected, in any
      such case which would have a material adverse effect on the business,
      properties, operations, condition (financial or other), results of operations
      or
      prospects of the Company and its respective subsidiaries, taken as a whole,
      or
      the validity or enforceability of, or the ability of the Company to perform
      their obligations under, the Offering Documents, (iii) violate or contravene
      any
      applicable law, rule or regulation or any applicable decree, judgment or order
      of any court, United States federal or state regulatory body, administrative
      agency or other governmental body having jurisdiction over Company or any of
      its
      subsidiaries or any of its respective properties or assets that would, except
      with respect to violations of federal and state securities laws, have a Material
      Adverse Effect, or the validity or enforceability of, or the ability of the
      Company to perform its obligations under, the Offering Documents, (iv) have
      any
      material adverse effect on any permit, certification, registration, approval,
      consent, license or franchise necessary for the Company or its subsidiaries
      to
      own or lease and operate any of its properties and to conduct any of its
      business or the ability of the Company or its subsidiaries to make use thereof
      or (v) except for applicable requirements of federal securities laws and state
      securities or blue-sky laws, requiring filing with, or permit, authorization,
      consent or approval of, any third party, public body or
      authority.

    
      
         

      

      
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    3.5 Information
      Provided.
      The
      Company hereby represents and warrants to the Subscriber that the information
      set forth in the Prospectus and any other document provided by the Company
      (or
      the Company’s authorized representatives) to the Subscriber in connection with
      the transactions contemplated by this Agreement, does not contain any untrue
      statement of a material fact or omit to state any material fact necessary in
      order to make the statements therein, in the light of the circumstances under
      which they are made, not misleading. 

     

    3.6 Events
      Subsequent.
      Other
      than in the ordinary course of the Company’s business, the Company has disclosed
      to the Subscriber:

    

    (a) Any
      sale,
      lease, transfer, license or assignment of any assets, tangible or intangible,
      of
      the Company;

    (b)
       Any
      damage, destruction or property loss, whether or not covered by insurance,
      affecting adversely the properties or business of the Company;

    (c)
       Any
      declaration or setting aside or payment of any dividend or distribution with
      respect to the shares of capital stock of the Company or any redemption,
      purchase or other acquisition of any such shares;

    (d)
       Any
      subjection to any lien on any of the assets, tangible or intangible, of the
      Company other than in the ordinary course of business;

    (e)
       Any
      incurrence of indebtedness or liability or assumption of obligations by the
      Company other than in the ordinary course of business;

    (f)
       Any
      waiver or release by the Company of any right of any material
      value;

    (g)
       Any
      compensation or benefits paid to officers or directors of the
      Company;

    (h)
       Any
      change made or authorized in the articles of incorporation or bylaws of the
      Company, except standard corporate minutes pertaining to this transaction and
      other items approved in the ordinary course of business;
      

    (i)
       Any
      loan
      to or other transaction with any officer, director or stockholder of the Company
      giving rise to any claim or right of the Company against any such person or
      of
      such person against the Company; or

    (j)
       Any
      material adverse change in the condition (financial or otherwise) of the
      respective properties, assets, liabilities or business of the Company;
      or  

    (k) Any
      agreement, written or otherwise, to take any of the foregoing
      actions.

     

    3.7 Compliance
      with Law.
      Neither
      the Company nor any of its respective subsidiaries is in violation of or has
      any
      liability under any statute, law, rule, regulation, ordinance, decision or
      order
      of any governmental agency or body or any court, domestic or foreign, except
      where such violation or liability would not individually or in the aggregate
      have a Material Adverse Effect and to the knowledge of the Company there is
      no
      pending investigation that would reasonably be expected to lead to such a
      claim.

     

    3.8 Consents.
      The
      Company has all necessary consents, approvals, authorizations, orders,
      registrations, qualifications, licenses, filings and permits of, with and from
      all applicable judicial, regulatory and other legal or governmental agencies
      and
      bodies and all third parties, foreign and domestic (collectively, the
“Consents”), to own, lease and operate their respective properties and conduct
      their respective businesses as are now being conducted and as disclosed in
      the
      Prospectus, except where the failure to have any such Consent would not have
      a
      Material Adverse Effect. Each such Consent is valid and in full force and
      effect, and the Company has not received written notice of any investigation
      or
      proceedings which results in or, if decided adversely to the Company, could
      reasonably be expected to result in, the revocation of, or imposition of a
      materially burdensome restriction on, any Consent. 

    
      
         

      

      
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    3.9 Intellectual
      Property.
      The
      Company does not have any knowledge of any claim that, or inquiry as to whether,
      any product, activity or operation of the Company infringes upon or involves,
      or
      has resulted in the infringement of, any trademarks, trade-names, service marks,
      patents, copyrights or other proprietary rights of any other person, corporation
      or other entity; and no such proceedings have been instituted, are pending
      or
      are threatened against the Company. The Company: (i) owns or possesses all
      rights to use, option and/or license, as the case may be, all patents, patent
      applications, provisional patents, trademarks, service marks, trade names,
      trademark registrations, service mark registrations, copyrights, licenses,
      formulae, mask works, customer lists, internet domain names, know-how and other
      intellectual property (including trade secrets and other unpatented and/or
      unpatentable proprietary or confidential information, systems or procedures,
      “Intellectual Property”) necessary for the conduct of their respective
      businesses as being conducted and as described in the Offering Memorandum and
      (ii) does not believe that the conduct of their respective businesses does
      or
      will conflict with, and have not received any notice of any claim of conflict
      with, any such right of others, which conflict would have a Material Adverse
      Effect. All Intellectual Property developed by and belonging to Company
      (including, without limitation, that which is developed by consultants to
      Company which has not been patented has been kept confidential so as, among
      other things, all such information may be deemed proprietary to Company. To
      Company’s knowledge, there is no infringement by third parties of any
      Intellectual Property. There are no pending or, to Company’s knowledge,
      threatened actions, suits, proceedings or claims by others challenging Company’s
      rights in or to any Intellectual Property, and there are no facts which would
      form a reasonable basis for any such claim. There is no pending or, to Company’s
      knowledge, threatened action, suit, proceeding or claim by others that Company
      infringes or otherwise violates any Intellectual Property rights of others,
      in
      each case which would be reasonably likely to have a Material Adverse Effect,
      and Company is not aware of any other fact which would form a reasonable basis
      for any such claim.

     

    3.10 Legal
      Compliance.
      To the
      best knowledge of the Company, after due investigation, no claim has been filed
      against the Company alleging a violation of any applicable laws or regulations
      of foreign, federal, state and local governments and all agencies thereof.
      The
      Company holds all of the material permits, licenses, certificates or other
      authorizations of foreign, federal, state or local governmental agencies
      required for its respective business as presently conducted.

     

    3.11 No
      SEC
      or NASD Inquiries.
      The
      Company and none of its past or present officers or directors are, or has ever
      been, the subject of any formal or informal inquiry or investigation by the
      SEC
      or NASD.

     

    3.12 Disclosure.
      The
      representations and warranties and statements of fact made by the Company in
      this Agreement are, as applicable, accurate, correct and complete and do not
      contain any untrue statement of a material fact or omit to state any material
      fact necessary in order to make the statements and information contained herein
      not false or misleading. The Company is and, at all times up to and including
      consummation of the transactions contemplated by this Agreement, and after
      giving effect to application of the net proceeds of the Offering, will not
      be,
      subject to registration as an “investment company” under the Investment Company
      Act of 1940, as amended (the “1940 Act”), and is not and will not be an entity
“controlled” by an “investment company” within the meaning of the 1940 Act. The
      Company will: (i) utilize the proceeds of the Offering in accordance with the
      “Use of Proceeds” section of the Prospectus and (ii) initially utilize the
      proceeds of the Offering in such a manner so as to cause Company not to be
      subject to the 1940 Act, and will thereafter use its best efforts to avoid
      Company becoming subject to the 1940 Act.

    

    3.13 Securities
      Law Compliance.
      Subject
      to the accuracy and completeness of the representations and warranties of the
      Subscriber contained in this Agreement, the Company has complied and will comply
      with all applicable federal and state securities laws in connection with the
      offer, issuance and sale of the Shares hereunder. 

    

    4.
      Covenants of the Company. The Company covenants with the Subscriber as
      follows, which covenants are for the benefit of the Subscriber and its, his
      or
      her permitted assignees.

    

    4.1 Securities
      Compliance.
      The
      Company shall take all necessary action as may be required or permitted by
      applicable law, rule and regulation, for the legal and valid issuance of the
      Shares to the Subscriber, or their respective subsequent holders.

     

    4.2 Compliance
      with Laws.
      The
      Company shall comply, and cause each Subsidiary to comply, with all applicable
      laws, rules, regulations and orders, noncompliance with which would be
      reasonably likely to have a Material Adverse Effect.

    

    4.3 Keeping
      of Records and Books of Account.
      The
      Company shall keep and cause each Subsidiary to keep adequate records and books
      of account, in which complete entries will be made in accordance with GAAP
      consistently applied, reflecting all financial transactions of the Company
      and
      its Subsidiaries.

    

    4.4 Other
      Agreements.
      The
      Company shall not enter into any agreement in which the terms of such agreement
      would restrict or impair the right or ability of the Company or any Subsidiary
      to perform its obligations under any Offering Documents.

    
      
         

      

      
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    4.5 Use
      of
      Proceeds.
      The
      Company will use the net proceeds from the sale of the Shares for the purposes
      set forth in the Prospectus under the section titled “Use of
      Proceeds”.

    

    5. Closing
      Conditions

    

    5.1 Conditions
      Precedent to the Obligation of the Company to Close and to Sell the
      Shares.
      The
      obligation hereunder of the Company to close and issue and sell the Shares
      to
      the Subscriber at the Closing Date is subject to the satisfaction or waiver,
      at
      or before the Closing of the conditions set forth below. These conditions are
      for the Company's sole benefit and may be waived by the Company at any time
      in
      its sole discretion.

    

    (a) Accuracy
      of the Subscriber’s Representations and Warranties.
      The
      representations and warranties of the Subscriber shall be true and correct
      in
      all material respects as of the date when made and as of the Closing Date as
      though made at that time, except for representations and warranties that are
      expressly made as of a particular date, which shall be true and correct in
      all
      material respects as of such date.

    

    (b) Performance
      by the Subscriber.
      The
      Subscriber shall have performed, satisfied and complied in all material respects
      with all covenants, agreements and conditions required by this Agreement to
      be
      performed, satisfied or complied with by the Subscriber at or prior to the
      Closing Date.

    

    (c) No
      Injunction.
      No
      statute, rule, regulation, executive order, decree, ruling or injunction shall
      have been enacted, entered, promulgated or endorsed by any court or governmental
      authority of competent jurisdiction which prohibits the consummation of any
      of
      the transactions contemplated by this Agreement.

    

    (d) Delivery
      of Purchase Price.
      The
      Subscriber shall have delivered to the Company the purchase price for the Shares
      to be purchased by the Subscriber.

    

    (e) Delivery
      of this Agreement.
      This
      Agreement has been duly executed and delivered by the Subscriber.

    

    5.2 Conditions
      Precedent to the Obligation of the Subscriber to Close and to Purchase the
      Shares.
      The
      obligation hereunder of the Subscriber to purchase the Shares and consummate
      the
      transactions contemplated by this Agreement is subject to the satisfaction
      or
      waiver, at or before the Closing Date, of each of the conditions set forth
      below. These conditions are for the Subscriber’s sole benefit and may be waived
      by the Subscriber at any time in its sole discretion.

    

    (a) Accuracy
      of the Company's Representations and Warranties.
      Each of
      the representations and warranties of the Company in this Agreement shall be
      true and correct in all respects as of the Closing Date, except for
      representations and warranties that speak as of a particular date, which shall
      be true and correct in all material respects as of such date.

    

    (b) Performance
      by the Company.
      The
      Company shall have performed, satisfied and complied in all material respects
      with all covenants, agreements and conditions required by this Agreement to
      be
      performed, satisfied or complied with by the Company at or prior to the Closing
      Date.

    

    (c) No
      Injunction.
      No
      statute, rule, regulation, executive order, decree, ruling or injunction shall
      have been enacted, entered, promulgated or endorsed by any court or governmental
      authority of competent jurisdiction which prohibits the consummation of any
      of
      the transactions contemplated by this Agreement.

    

    (d) No
      Proceedings or Litigation.
      No
      action, suit or proceeding before any arbitrator or any governmental authority
      shall have been commenced, and no investigation by any governmental authority
      shall have been threatened, against the Company or any Subsidiary, or any of
      the
      officers, directors or affiliates of the Company or any Subsidiary seeking
      to
      restrain, prevent or change the transactions contemplated by this Agreement,
      or
      seeking damages in connection with such transactions.

    
      
         

      

      
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    (e) Shares.
      Within
      a reasonable period of time after the Closing the Company shall deliver to
      the
      Subscriber certificates representing the Shares (in such denominations as the
      Subscriber may request).

    

    (f) Material
      Adverse Effect.
      No
      Material Adverse Effect shall have occurred at or before the Closing
      Date.

    

    (g) Minimum
      Investment Amount.
      Pursuant
      to the Prospectus, the Company shall have in escrow the at least $50,000.

    

    6. Miscellaneous.

     

    6.1 Any
      notice or other communication given hereunder shall be deemed sufficient if
      in
      writing and sent by registered or certified mail, return receipt requested,
      addressed to the Company at Title Starts Online, Inc., 7007 College Boulevard,
      Suite 270, Overland Park, KS 66211, Attention: Mark DeFoor, Chief Executive
      Officer, with a copy to (which shall not constitute notice) Synergy Law Group,
      L.L.C., 730 West Randolph, Suite 600, Chicago, Illinois 60661, Attention: Bartly
      Loethen, Esq., and to the Subscriber at the address indicated on the signature
      page of this Agreement. Notices shall be deemed to have been given three (3)
      business days after the date of mailing, except notices of change of address,
      which shall be deemed to have been given when received.

    

    6.2 This
      Agreement may be amended through a written instrument signed by the Subscriber
      and the Company; provided, however, that the terms of Section 4 of this
      Agreement may be amended without the consent or approval of the Subscriber
      so
      long as such amendment applies in the same fashion to the subscription
      agreements of all of the other subscribers for Shares in the Offering

    

    6.3 This
      Agreement shall be binding upon and inure to the benefit of the parties hereto
      and to their respective heirs, legal representatives, successors and assigns.
      This Agreement sets forth the entire agreement and understanding between the
      parties as to the subject matter hereof and merges and supersedes all prior
      discussions, agreements and understandings of any and every nature among
      them.

     

    6.4 Notwithstanding
      the place where this Agreement may be executed by any of the parties hereto,
      the
      parties expressly agree that all the terms and provisions hereof shall be
      construed in accordance with and governed by the laws of the State of
      Nevada. 

     

    6.5 This
      Agreement may be executed in counterparts. It shall not be binding upon the
      Company unless and until it is accepted by the Company. Upon the execution
      and
      delivery of this Agreement by the Subscriber, this Agreement shall become a
      binding obligation of the Subscriber with respect to the purchase of Shares
      as
      herein provided; subject, however, to the right hereby reserved to the Company
      to enter into the same agreements with other subscribers and to add and/or
      to
      delete other persons as subscribers.

     

    6.6 The
      holding of any provision of this Agreement to be invalid or unenforceable by
      a
      court of competent jurisdiction shall not affect any other provision of this
      Agreement, which shall remain in full force and effect.

     

    6.7 It
      is
      agreed that a waiver by either party of a breach of any provision of this
      Agreement shall not operate, or be construed, as a waiver of any subsequent
      breach by that same party.

    

    6.8 The
      parties agree to execute and deliver all such further documents, agreements
      and
      instruments and take such other and further action as may be necessary or
      appropriate to carry out the purposes and intent of this Agreement.

     

    6.9 Specific
      Performance. The Company and the Subscriber acknowledge and agree that
      irreparable damage would occur in the event that any of the provisions of this
      Agreement or the other Offering Documents are not performed in accordance with
      their specific terms or are otherwise breached. It is accordingly agreed that
      the parties shall be entitled to an injunction or injunctions to prevent or
      cure
      breaches of the provisions of this Agreement or the other Offering Documents
      and
      to enforce specifically the terms and provisions hereof or thereof, this being
      in addition to any other remedy to which any of them may be entitled by law
      or
      equity.

    
      
         

      

      
        7

        
          

        

      

      
         

      

    

    

    6.10 Survival.
      The representations, warranties and covenants of the Company and the Subscriber
      shall survive the execution and delivery hereof and the Subscription Closing
      until the second anniversary of the Closing Date.

     

    6.11 The
      obligation of the Subscriber hereunder is several and not joint with the
      obligations of any other subscribers for the purchase of Shares in the Offering
      (the “Other Subscribers”), and the Subscriber shall not be responsible in any
      way for the performance of the obligations of any Other Subscribers. Nothing
      contained herein or in any other agreement or document delivered at the Closing,
      and no action taken by the Subscriber pursuant hereto, shall be deemed to
      constitute the Subscriber and the Other Subscribers as a partnership, an
      association, a joint venture or any other kind of entity, or create a
      presumption that the Subscriber and the Other Subscribers are in any way acting
      in concert with respect to such obligations or the transactions contemplated
      by
      this Agreement. The Subscriber shall be entitled to protect and enforce the
      Subscriber’s rights, including without limitation the rights arising out of this
      Agreement, and it shall not be necessary for any Other Subscriber to be joined
      as an additional party in any proceeding for such purpose. The language used
      in
      this Agreement will be deemed to be the language chosen by the parties to
      express their mutual intent, and no rules of strict construction will be applied
      against any party. The Subscriber is not acting as part of a “group” (as that
      term is used in Section 13(d) of the 1934 Act) in negotiating and entering
      into
      this Agreement or purchasing the Shares. The Company hereby confirms that it
      understands and agrees that the Subscriber is not acting as part of any such
      group.

     

    [SIGNATURE
      PAGE FOLLOWS]

    
      
         

      

      
        8

        
          

        

      

      
         

      

    

    SIGNATURE
      PAGE

    

    IN
      WITNESS WHEREOF, the parties have executed this Agreement as of the day and
      year
      first written above.

    

    
      	
              Number
                of Shares Subscribed For:

               

              ___________________

               

               

              _____________________________________

            	
               

               

              x
                $0.25

              per
                Share

            	
              Total
                Amount of Subscription:

               

              $_______________________

               

               

              ______________________________________

            
	
              Print
                Full Legal Name of Subscriber

            	 	
              Print
                Full Legal Name of Co-Subscriber

              (if
                applicable)

            
	
               

              ____________________________________

            	 	
               

              _____________________________________

            
	
              Signature
                of (or on behalf of) Subscriber

            	 	
              Signature
                of (or on behalf of) Co-Subscriber

              (if
                applicable)

            
	
              Name:

              Title:

            	 	 
	
               

              Address
                of Subscriber:

               

              ____________________________________

               

               

              ____________________________________

            	 	
               

              Address
                of Co-Subscriber (if applicable):

               

              _____________________________________

               

               

              ____________________________________

            
	
               

              ____________________________________

            	 	
               

              ____________________________________

            
	
              Social
                Security or Taxpayer Identification

              Number
                of Subscriber

            	 	
              Social
                Security or Taxpayer Identification

              Number
                of Co-Subscriber (if applicable)

            
	
               

              
                 
o
                Individual            o
Joint
                Tenants

                                                        
                with

                                                        
                Rights of 

                                                        
                Survivorship

               

              o
                Corporation        o
LLC

               

               

              o
Other:

               

              
                ______________________________________

              

            	
              TYPE
                OF

              OWNERSHIP:

            	
               

              
                 
o
Partnership

              
                 
o
Trust

               

                      
                Date of Trust:

               

              __________________________________

               

                      
                Name of Trustee: 

               

              
                ______________________________________
                  

              

            
	
               

              Mail
                to:

               

              Carol
                McMahan

              Synergy
                Law Group, LLC

              730
                West Randolph Street

              Suite
                600

              Chicago,
                IL 60661

            	 	
               

              Subscription
                Agreed to and Accepted:

               

              TITLE
                STARTS ONLINE, INC.

               

              By:
                ________________________________

              Mark
                DeFoor

              President
                and Chief Executive Officer

            

    

    

    
      
         

      

      
        92008
      EMPLOYMENT AGREEMENT

    

    Columbia
      River Bank –
      Tamera Millington Bhatti 

    

    This
      Employment Agreement (the "Agreement") is made and entered into and is effective
      this 18th
      day of
      January 2008 by and between Columbia River Bank, an Oregon corporation (“Bank”)
      and Tamera Millington Bhatti ("Employee").

    

    RECITALS

    

    (1) Bank
      is a
      state-chartered Oregon financial institution, and is the wholly owned subsidiary
      of Columbia Bancorp (“Bancorp“). Bancorp’s principal office is at 401 East Third
      Street, Suite 200, The Dalles, Oregon 97058.

    

    (2) Bank
      desires to employ Employee as an officer of Bank on the terms and conditions
      set
      forth herein. 

     

    Now,
      therefore, it is agreed:

    

    1. Relationship
      and Duties.

    

    1.1 Employment
      and Title.
      Bank
      shall employ Employee as an officer of Bank with such title as the Director
      of
      Human Resources of the Bank shall designate. Subject to the terms and conditions
      hereof, employee shall perform such duties and exercise such authority as are
      customarily performed and exercised by persons holding such office, subject
      to
      the general direction of the Chief Executive Officer of the Bank and of the
      Boards of Directors of Bancorp and Bank. Such services and duties shall be
      exercised in good faith and in accordance with standards of reasonable business
      judgment. As used herein, references to “Bank” shall be deemed to also refer to
      and include Bancorp where the context requires. 

     

    1.2 Duties;
      Conflicts. Employee
      shall devote Employee’s full time, attention and efforts to the diligent
      performance of Employee’s duties as an officer of the Bank. Employee will not
      accept employment with any other individual, corporation, partnership,
      governmental authority or any other entity, or engage in any other venture
      for
      profit which Bancorp, or any subsidiary, parent, sister or affiliated
      corporation of Bancorp, considers to be in conflict with their best interests
      or
      to be in competition with their business, or which may interfere in any way
      with
      Employee's performance of the duties owed to the Bank.

    

    1.3 Service
      on Other Company Boards.
      Nothing
      in the Agreement shall prohibit Employee from serving on the board of directors
      of any profit or non-profit corporation not in direct competition with Bancorp
      or with any subsidiary, parent, sister or affiliated corporation of Bancorp.
      In
      addition, Employee may own stock in any other corporation whether or not the
      stock is publicly traded; provided, that if such corporation operates a business
      in competition with Bancorp Employee may not own more than five percent (5%)
      of
      the outstanding shares of such corporation.

     

    
      
        
        

      

      
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    2. Term
      of Employment.

    

    2.1 Term.
      The term
      of employment under the Agreement shall begin on January 18, 2008 and end on
      April 15, 2008.

     

    3. Termination.

    

    3.1 Definition.
      As used
      in the Agreement, "termination" shall mean the termination of Employee's
      employment relation with Bank, whether initiated by Bank or by Employee, and
      whether for cause or without cause.

    

    3.2 Termination
      Events. Notwithstanding
      any other provisions of the Agreement, the employment of Employee shall
      terminate immediately on the earlier to occur of any of the
      following:

     

    3.2.1 Employee's
      death;

    

    3.2.2 Employee's
      complete disability. "Complete disability" as used herein shall mean the
      inability of Employee, due to illness, accident, or other physical or mental
      incapacity, to perform the services required under the Agreement for an
      aggregate of ninety (90) days within any period of 180 consecutive days during
      the term hereof; provided, however, that disability shall not constitute a
      basis
      for discharge for cause;

    

    3.2.3 The
      discharge of Employee by Bank for cause. "Cause" as used herein shall mean
      (i)
      Employee's gross negligence or willful misconduct as shall constitute, as a
      matter of law, a breach of the covenants and obligations of Employee hereunder;
      (ii) failure or refusal of Employee to comply with the provisions of the
      Agreement; (iii) Employee's conviction by any duly constituted court with
      competent jurisdiction of a crime (other than traffic offenses); (iv) Employee's
      malfeasance or incompetence, provided that in applying this criteria Bank shall
      not be unreasonable or arbitrary, and provided further that prior to effecting
      a
      dismissal under this Section (iv) Bank shall afford Employee with fair and
      reasonable warning and with a fair and reasonable opportunity to cure any
      defects in Employee's performance.

    

    3.3 Termination
      by Employee. Employee
      may terminate Employee’s employment with Bank with or without cause by giving
      thirty (30) days written notice of termination. "Cause" as used herein shall
      include Bank’s failure or refusal to comply with the provisions of the
      Agreement.

    

    3.4 Effect
      of Termination. The
      termination of Employee's employment shall constitute a tender by Employee
      of
      Employee’s resignation as an officer of Bank, and as a member of any board of
      directors or board committees of Bancorp or its affiliates if Employee is a
      member thereof at the time of termination.

     

    
      
        
        

      

      
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    3.5 Payment
      on Termination. If
      Employee's employment is terminated by Employee with or without cause, or by
      Bank with or without cause, Employee shall be paid all base salary and benefits
      accrued under the Agreement as of the termination date.

    

    3.6 Performance
      Bonus. If
      Employee's employment is terminated by Employee with cause, or by Bank without
      cause, Employee shall be paid, in addition to the amounts payable under Section
      3.5 of the Agreement: (i) all non-forfeitable deferred compensation, if any;
      and
      (ii) unpaid performance bonus payments, if any, payable under Section 4.2 of
      the
      Agreement, which shall be declared earned and payable based upon performance
      up
      to, and shall be pro-rated as of, the date of termination. Employee shall not
      be
      entitled to such unpaid performance bonus payments if Employee's employment
      is
      terminated by Bank with cause or by Employee without cause. 

    

    4. Compensation.

     

    4.1 Base
      Salary. For
      the
      period beginning January 18, 2008 and ending April 15, 2008, Employee shall
      be
      paid an annual base salary of $110,000, payable in equal bimonthly installments
      and subject to any deductions required by law. 

    

    4.2 Performance
      Bonus. Employee
      shall be entitled to consideration for annual performance bonus compensation
      for
      each calendar year constituting a percentage of annual base salary earned from
      Employee’s employment by Bank during such calendar year. Bonus compensation
      shall be subject to any deductions required by law. The Bank or Bancorp Board
      shall timely, and at least once yearly, determine the amount of and the formulas
      and methods for establishing such bonus compensation. The amount of such bonus
      compensation shall at all times be discretionary, and Bank may decline to award
      a performance bonus to Employee in any year.

    

    4.2.1 Employee
      shall be entitled to a pro-rata performance bonus for less than a full year
      of
      performance if Employee's employment is terminated by Employee with cause,
      or by
      the Bank without cause (including termination following a change of control
      as
      described in Section 7.4 of the Agreement), prior to the date on which Employee
      would otherwise be entitled to consideration for Employee’s annual performance
      bonus. In such circumstances, such pro-rata performance bonus shall be declared
      earned and payable as of the date of termination.

     

    5. Benefits;
      Purchase of Shares.

    

    5.1 Eligibility
      for General Benefits.
      Employee
      shall be eligible to participate in any plan of Bank or its affiliates relating
      to stock options, stock purchases, profit sharing, group life insurance, medical
      coverage, education and other retirement or employee benefits that Bank or
      its
      affiliates may adopt for the benefit of employees. 

     

    
      
        
        

      

      
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          -
          3

        
          

        

      

      
        
        

      

    

     

    5.2 Additional
      Benefits.
      Employee
      shall be eligible to participate in any other benefits which may be or become
      applicable to Bank’s executive employees of similar rank. In addition, Employee
      shall be entitled to: (i) a reasonable expense account for use in connection
      with Bank business; and (ii) any other benefits which in Bank’s judgment are
      commensurate with the responsibilities and functions to be performed by Employee
      under the Agreement, including the payment of reasonable expenses for attendance
      by Employee and Employee's spouse at annual meetings of the Oregon Bankers
      Association. 

    

    5.3 Share
      Ownership. During
      the term of the Agreement, including extensions, Employee shall purchase shares
      of Bancorp Stock, including purchases through the exercise of stock options,
      in
      accordance with the share ownership policies and requirements established by
      Bancorp or Bank management in effect from time to time for employees of
      comparable rank.

    

    6. Vacations
      and Leaves. 

    

    6.1 Paid
      Vacation. During
      the term of the Agreement, Employee shall be entitled to annual paid vacation
      benefits identical to those offered to employees of Bank holding executive
      vice
      president or higher positions. The timing of vacations shall be scheduled in
      a
      reasonable manner by Employee. Employee shall not be entitled to receive any
      additional compensation from Bank on account of Employee’s failure to take a
      vacation, and may not accumulate unused vacation time from one calendar year
      to
      the next.

    

    6.2 Leaves
      With or Without Pay. The
      Bank
      Board may grant Employee a leave or leaves of absence, with or without pay,
      at
      such time or times and upon such terms and conditions as the Board may
      determine.

    

    6.3 Mandatory
      Absence. In
      each
      calendar year Employee shall be absent from Bank for one period of two
      consecutive weeks. Such period may include vacation, leave, sick leave,
      attendance at seminars or conventions, or any combination thereof. 

    

    7. Change
      of Control.

    

    7.1 Survival
      of Rights.
      Employee's rights on termination of employment under Section 3 of the Agreement,
      as well as all other rights of Employee under the Agreement or applicable law,
      shall survive a change of control of Bancorp or Bank whether or not Employee
      opposed or favored the change of control.

     

    
      
        
        

      

      
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          -
          4

        
          

        

      

      
        
        

      

    

     

    7.2 Rights
      on Change of Control.
      If a
      change of control of Bancorp or Bank occurs while the Agreement is in effect,
      Employee shall have ninety (90) days following the date such change of control
      becomes effective to elect to terminate Employee’s employment with cause. If
      Employee so elects to terminate, such termination shall constitute a termination
      by Employee with cause, and Employee shall be paid all base salary and benefits
      accrued under the Agreement as of the termination date, and in addition, shall
      be entitled to a severance payment equal to the lesser of (i) six month’s base
      salary as of the date of termination multiplied by the number of full calendar
      years Employee has been employed by Bank or any predecessor thereof, or (ii)
      one
      month’s base salary as of the date of termination multiplied by twenty-four
      (24). For purposes of this Section a period of continuous full-time employment
      for six months or more in a calendar year shall count as a full calendar year.
      If for any period Employee has been employed simultaneously by Bank and by
      one
      or more of its affiliates, such period shall count only once in determining
      the
      severance payment. The severance payment provided herein shall be paid in full
      within thirty (30) days of the date of Employee’s termination.

     

    Notwithstanding
      the foregoing, if following such change of control Employee is offered a
      position of employment either substantially equivalent to Employee’s
      compensation and position prior to the change of control, or an executive
      officer position with significant responsibility and compensation commensurate
      (and substantially equivalent to Employee’s previous compensation) with such
      responsibility, and Employee elects nevertheless to termination Employee’s
      employment under this Section 7.2, Employee shall be entitled to a minimum
      severance payment under this Section equal to one month’s base salary as of the
      date of termination multiplied by twelve (12).

    

    7.3 Base
      Compensation.
      Following a change of control, Bank shall not reduce Employee’s base
      compensation in effect prior to the effective date of the change of control
      for
      a period of time equal to the greater of (i) twenty four (24) months from the
      effective date of the change of control; (ii) one (1) month for each full
      calendar year Employee has been employed by Bank; or (iii) the remaining term
      of
      the Agreement, including any extensions thereof. For purposes of this Subsection
      7.3, a period of continuous full-time employment for six months or more in
      a
      calendar year shall count as a full calendar year.

    

    7.4 Termination
      Without Cause. If
      following a change of control Bank terminates Employee’s employment within two
      (2) years of the effective date of the change of control because of a reduction
      in force or for any other reason, other than for cause pursuant to Section
      3.3
      of the Agreement, such termination shall constitute a termination by Bank
      without cause, and Employee shall receive all payments and benefits due to
      Employee on termination under Section 7.2 of the Agreement, plus: (i) all
      non-forfeitable deferred compensation, if any; and (ii) unpaid performance
      bonus
      payments, if any, payable under Section 4.2 of the Agreement, which shall be
      declared earned and payable based upon performance up to, and shall be pro-rated
      as of, the date of termination.

     

    7.5 Options
      and Stock.
      If
      Employee is a participant in a restricted stock plan or share option plan,
      and
      such plan is terminated involuntarily as a result of the change of control,
      all
      stock and options shall be declared fully vested and shall be paid, awarded
      or
      otherwise distributed. With respect to any unexercised options under any stock
      option plan, such options may be exercised within the period provided in such
      plan. Effective as of the date of the change of control, any holding period
      established for stock paid as bonus or other compensation shall be deemed
      terminated, except as otherwise provided by law. 

     

    
      
        
        

      

      
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          5

        
          

        

      

      
        
        

      

    

     

    7.6 Relocation. If
      relocation is required by the acquiring institution the relocation package
      option will be at the choice of the Employee. He/She may pick Columbia’s
      relocation package at the time of the merger or the package offered by the
      acquiring company. This option is available for one year from the merger
      date.

    

    7.7 Definition.
      As used
      in this Section, "control" shall mean the acquisition during Employee’s
      employment of twenty-five percent (25%) or more of the voting securities of
      Bancorp or Bank by any person, or persons acting as a group within the meaning
      of Section 13(d) of the Securities Exchange Act of 1934, or to such acquisition
      of a percentage between ten percent (10%) and twenty-five percent (25%) if
      the
      Board or the Comptroller of the Currency, the FDIC, or the Federal Reserve
      Bank
      have made a determination that such acquisition constitutes or will constitute
      control of Bancorp or Bank. The term "person" refers to an individual,
      corporation, bank, bank holding company, or other entity, but excludes any
      Employee Stock Ownership Plan established for the benefit of employees of
      Bancorp or any of its subsidiaries or other affiliates. 

    

    8. Post
      Termination Covenants.

    

    8.1 Non-Compete
      Covenants.
      If
      Employee terminates Employee’s employment without cause, or if Employee's
      employment is terminated by Bank for cause, then for one year from the date
      of
      such termination Employee will not, without the prior written consent of
      Bank:

     

    8.1.1 Undertake
      full or part-time work, either as an employee or as a consultant, for another
      financial institution if such work is to be done, in whole or in part, in or
      from an office or other work site in Yamhill, Wasco, Hood River, Jefferson,
      Deschutes, Sherman or Gilliam Counties, Oregon, in Clark and Klickitat Counties,
      Washington, or in any other county in Oregon or Washington in which Bancorp
      or
      any of its affiliates has a place of business at the time of termination; or
       

    

    8.1.2 Hire
      for
      any financial institution or other employer any employee of Bancorp or any
      of
      its affiliates, or directly or indirectly cause such an employee to leave
      Employee’s employment to work for another employer, if such employee is to work
      in or from an office or other work site in Yamhill, Wasco, Hood River,
      Jefferson, Deschutes, Sherman or Gilliam Counties, Oregon, in Clark and
      Klickitat Counties, Washington, or in any other county in Oregon or Washington
      in which Bancorp or any of its affiliates has a place of business at the time
      of
      termination.

     

    8.2 Liquidated
      Damages for Breach of Non-Compete Covenants; Other Remedies.
If
      Employee breaches the covenants of Section 8.1, Employee shall be liable to
      Bank
      for liquidated damages equal to the lesser of (i) $18,000, or (ii) $1,500
      multiplied by the number of months (including fractions thereof) between the
      date of breach and one year from the date of Employee’s termination of
      employment. For example, if the date of breach occurs six months after the
      date
      of Employee’s termination, liquidated damages shall be $9,000 (6 x $1,500). The
      parties agree that Bank’s actual money damages upon Employee’s breach will be
      difficult to compute, and further agree that the liquidated damages formula
      provided herein reasonably represents Bank’s actual money damages. Employee
      shall pay the liquidated damages required hereunder within ten (10) days of
      the
      date Bank makes written demand for such payment. Nothing herein shall preclude
      Bank from enforcing any other legal or equitable remedies it may have upon
      Employee’s breach, including injunctive relief. Such other remedies may be
      enforced in addition to Bank’s right to liquidated damages under this Section.

     

    
      
        
        

      

      
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    8.3 Limitation.
      The
      covenants in Sections 8.1 and 8.2 do not apply if Employee terminates Employee’s
      employment for cause, if Employee terminates Employee’s employment for any
      reason within ninety (90) days after the effective date of a change of control
      within the meaning of Section 7 of the Agreement, or if Employee's employment
      is
      terminated by Bank without cause.

    

    8.4 Additional
      Covenants.
      The
      following provisions shall apply and be binding on Employee following Employee’s
      termination of employment under all circumstances, whether termination occurred
      with cause, without cause, following illness or disability, because of a change
      of control, or for any other reason:

    

    8.4.1 Employee
      shall fully cooperate in the defense or prosecution of any litigation arising
      from or relating to matters about which Employee has knowledge based on
      Employee’s employment or other work, paid or unpaid, for Bank and its
      affiliates. To the extent allowed by law Employee shall receive reasonable
      compensation in connection with Employee’s performance under this Section
      8.4.1;

    

    8.4.2 Employee
      shall at all times keep all confidential and proprietary information gained
      from
      Employee’s employment by Bank, or from other previous, present or subsequent
      paid or unpaid work for Bank and its affiliates, in strictest confidence, and
      will not disclose or otherwise disseminate such information to anyone, other
      than to employees of Bank or its affiliates, except as may be required by law,
      regulation or subpoena; and

    

    8.4.3 Employee
      shall not take or use for any purpose confidential or proprietary information
      of
      Bank or its affiliates, including without limitation customer or potential
      customer lists and trade secrets.

    

    8.5 Compliance
      with ORS 653.295. Employee
      acknowledges and agrees that the Agreement constitutes either the initial
      employment of Employee, or a bona fide advancement of Employee with the Bank
      under ORS 653.295 in several respects, including without limitation an increase
      in base salary and benefits.

     

    9. Miscellaneous.

    

    9.1 Recitals;
      Law; Amendments.
      Each and
      every portion of the Agreement is contractual and not a mere recital, and all
      recitals shall be deemed incorporated into the Agreement. The Agreement shall
      be
      governed by and interpreted according to Oregon law and any applicable federal
      law. The Agreement may not be amended except by a subsequent written agreement
      signed by all parties hereto.

     

    
      
        
        

      

      
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          7

        
          

        

      

      
        
        

      

    

     

    9.2 Entire
      Agreement.
      The
      Agreement contains the entire understanding and agreement of the parties with
      respect to the parties' relationship, and all prior negotiations, discussions
      or
      understandings, oral or written, are hereby integrated herein. No prior
      negotiations, discussions or agreements not contained herein or in such
      documents shall be binding or enforceable against the parties.

    

    9.3 Counterparts.
      The
      Agreement may be signed in several counterparts. The signature of one party
      on
      any counterpart shall bind such party just as if all parties had signed that
      counterpart. Each counterpart shall be considered an original. All counterparts
      of the Agreement shall together constitute one original document.

    

    9.4 Successors
      and Assigns. All
      rights and duties of Bank under the Agreement shall be binding on and inure
      to
      the benefit of Bank’s successors and assigns, including any person or entity
      which acquires a controlling interest in Bank and any person or entity which
      acquires all or substantially all of Bank’s assets. Bank and any such successor
      or assign shall be and remain jointly and severally liable to Employee under
      the
      Agreement. Employee may not assign or transfer Employee's rights or interests
      in
      or under the Agreement other than by a will or by the laws of descent and
      distribution. The Agreement shall inure to the benefit of and be enforceable
      by
      Employee's estate or legal representative.

    

    9.5 Waiver.
      Any
      waiver by any party hereto of any provision of the Agreement, or of any breach
      thereof, shall not constitute a waiver of any other provision or of any other
      breach. If any provision, paragraph or subparagraph herein shall be deemed
      invalid, illegal or unenforceable in any respect, the validity and
      enforceability of the remaining provisions, paragraphs and subparagraphs shall
      not be affected.

    

    9.6 Arbitration.
      Any
      dispute, controversy, claim or difference concerning or arising from the
      Agreement or the rights or performance of either party under the Agreement,
      including disputes about the interpretation or construction of the Agreement,
      shall be settled through binding arbitration in the State of Oregon and in
      accordance with the rules of the American Arbitration Association. A judgment
      upon the award rendered in such arbitration may be entered in any court of
      competent jurisdiction. 

    

    9.7 Employee
      Handbook. Employee
      agrees to be bound by the terms and conditions of any employee handbook of
      Bank
      or its affiliates as may be in effect from time to time, except that in the
      event of a conflict between such employee handbook and the Agreement, the
      Agreement shall control. 

    

    9.8 Captions.
      All
      captions, titles and headings in the Agreement are for convenience only, and
      shall not be construed to limit any term of the Agreement.

     

    
      
        
        

      

      
        Page
          -
          8

        
          

        

      

      
        
        

      

    

     

    9.9 Definition.
      When
      used herein in reference to a corporation, “affiliate” shall mean, without
      limitation, any parent or subsidiary of the corporation and any entity
      controlled by the corporation. 

    

    9.10 Exceptions.
      The Bank
      Board or the management of Bank may, in its discretion, make exceptions to
      one
      or more of the conditions contained in the Agreement, provided that any such
      exceptions must be approved in writing.

    

    9.11 Prior
      Contracts.
      The
      Agreement replaces and supersedes all prior written employment agreements and
      amendments thereof between the parties.

    
 

    
      	 	 
	
              Employee

            	 
	 	 
	
              Date:

            	 	 	 
	 	 
	 	 
	
              COLUMBIA
                RIVER BANK

            	 
	 	 
	 	 
	
              By:

            	 	 
	 	
              Roger
                Christensen, Chief Executive Officer

            	 

    

    
       

    

    
      
        
        

      

      
        Page
          -
          9

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