Document:

Exhibit 10.02 

		
	

              

              

ENTEK         

ENERGY LIMITED

              

              

              

              
	Ground Floor, Canute House

15 Rheola Street

West Perth

Western Australia 6005

Telephone: +618 9213 4388

Facsimile: +618 9213 4399

ABN 43 108 403 425

Email: admin@entekenergy.com.au

Reference:
939:0609/ETE/reb.L 23 June 2009  

Mr. Paul Laird 
President 
New
Frontier Energy, Inc. 
1789 W. Littleton Blvd. 
Littleton, CO 80120 

Dear Sir 

SUBJECT:   Letter of Offer 

This Letter of Offer sets forth the
material terms under which Entek Energy Ltd. or its whollyowned subsidiary (Entek”)
offers to carry out a work program to further explore and exploit the current acreage held
by New Frontier Energy, Inc (NFEI”) within an agreed area of mutual interest and will
earn 55% of NFEI’s interest in all the acreage and facilities held by NFEI within the
area of mutual interest at the date of this Offer. 

FARMIN OFFER 

          	 	1. 	
               Entek offers to expend US$13.5385 million (the Farm-in Sum) on exploration,
               development and acquisition and associated activities within NFEI’s
               existing portfolio of acreage and short term funding to NFEI. The conditions of
               the offer include: 

               

	 	
a.       
                        The companies (Entek & NFEI) shall agree and execute a
Farm-in Agreement,                     which shall include all terms and conditions of
the farm-in by Entek.  

	 	
b.
                                               The
companies shall agree on a Joint Operating Agreement (JOA) or JOA’s,
                    as applicable, which shall provide full and complete terms and
conditions for                     the operations of exploration and exploitation within
the acreage and                     administration and financial management of the joint
venture by the designated                     Operator.  

	 	
c.
                                               Entek
shall manage the Work Program agreed by the parties and in so doing may
                    utilize existing NFEI personnel and associated facilities that it
deems                     appropriate for the operations (and pay for at cost).  

	 	
d.
                                               NFEI
shall manage the current production operations (including new production
                    introduced as a result of the farm-in activities) and will fund the
expense of                     such PEX via production revenue, in accordance with the
JOA or JOA’s.  

	 	
e.
                                               NFEI
shall be Operator (in accordance with the JOA) until Entek acquires
                    through the Farm-in Agreement or otherwise) a greater working
interest than                     NFEI, at which time NFEI shall relinquish Operatorship
in favour of Entek,                     unless Entek advises it does not wish to be
Operator, in which case NFEI shall                     continue as Operator or the
parties shall agree another Operator, all in                     accordance with the JOA.  

	 	2.  	The
terms of the expenditure of US$13.5385 million are:  

	 	
a.
                                               Year 1
(the 1” year) shall commence on the date of execution of the Farmin
                    Agreement, Year 2 (the 2 year) shall commence on the first
anniversary of the                     Agreement date, and so on for subsequent years
referenced in this letter.  

	 	
b.
                                               In Year
1; upon execution of the Farm-in Agreement and the JOA, Entek shall
                    subscribe for Convertible Notes in NFEI on the following terms:  

	 	i.  	Amount:
US$1 million.  

	 	ii.  	Term
of Convertible Note — 2 years.  

	 	iii.  	Interest
Rate — 6 month US Dollar LIBOR plus 5%, calculated for any month                or
part month, based on the rate on the last business day of the previous month,
               paid quarterly.  

	 	iv.  	Prepayment
of the Convertible Notes — at any time from issue, with penalty                of 3
months interest calculated in accordance with iii) above.  

	 	v.  	NFEI
shall provide Entek with perfected, first priority liens and security
               interests on the assets of N FF1.  

	 	vi.  	In
the event of failure of NFEI to pay out the Convertible Notes and accrued
               interest on the maturity date, Entek shall have the right to:  

	 	1.  	Recover
outstanding amount through 100% of NFEI’s production proceeds and           further
interest shall accrue until full settlement is completed. This option           shall
only be considered by Entek if full recovery can be demonstrated within 1           year
from the maturity date. 

	 	2.  	Convert
the sum payable to common stock in NFEI at the conversion rate of the           weighted
average price for the period 60 days prior to the maturity date           discounted 25%; 

	 	3.  	Exercise
its rights and remedies under its liens and security interests,           including, but
not limited to, foreclosure on all or any portion of the assets           covered
thereby; and  

	 	4.  	In
the event full recovery of all amounts due payable to Entek are not           recovered
through 1. through 3. above, Entek reserves the right to proceed to           enforce the
collection thereof and to obtain such other relief as may be           available at law
or equity. 

	 	vii.  	                    Final
terms shall in all respects comply with applicable law, including           applicable
usury laws.  

               	 	c. 	
                    In Year 1, Entek shall spend no less than US$3 million (the 1” Year Farm-in
                    Expenditure) on exploration and exploitation in accordance with the Farm-in
                    Agreement terms and conditions. 

                    

               	 	d. 	
                    Where circumstances beyond Entek’s control prevent the 1” year’s
                    work program of the farm-in to complete in time to fully expend the US$3 million
                    within Year 1, the unspent portion of the 1” Year Farm-in Expenditure shall
                    be deposited by Entek into an escrow account for later application to the
                    farm-in work program. 

                    

               	 	e. 	
                    Immediately Entek has expended the 1” Year Farm-in Expenditure or has
                    deposited the unspent portion of the 1” Year Farm-in Expenditure into an
                    escrow account, Entek shall have earned 16.25% of NFEI’s interest, as of
                    the date hereof, in all acreage and facilities. 

                    

               	 	f. 	
                    In the event Entek fails to complete the 1st year work program and expend the
                    1st Year Farm-in Expenditure due to circumstances within its control, any sum in
                    the escrow account (being the unspent portion of the 1st Year Farm-in
                    Expenditure), shall be applied to the farm-in work program in subsequent years,
                    unless Entek decides not to proceed beyond Year 1, in which case the funds shall
                    transfer to NFEI and Entek shall forfeit such funds. 

                    

               	 	g. 	
                    In Year 2, Entek shall spend no less than US$4 million (the 2 Year Farm-in
                    Expenditure) on exploration and exploitation in accordance with the Farm-in
                    Agreement terms and conditions. 

                    

               	 	h. 	
                    Where circumstances beyond Entek’s control prevent the 2 year’s work
                    program of the farm-in to complete in time to fully expend the US$4 million
                    within Year 2, Entek shall have the right to deposit the unspent portion of the
                    2 Year Farm-in Expenditure into an escrow account for later application to the
                    farm-in work program. 

                    

               	 	i. 	
                    Immediately Entek has expended the 2nd Year Farm-in Expenditure or has deposited
                    the unspent portion of the 2nd Year Farm-in Expenditure into an escrow account,
                    Entek shall have earned a further 16.25% of NFEI’s interest, as of the date
                    hereof, in all acreage and facilities, bringing Entek’s ownership to 32.5%
                    of NFEI’s interest in all acreage and facilities. 

                    

               	 	j. 	
                    In the event Entek fails to complete the 2nd year work program and expend the
                    2nd Year Farm-in Expenditure due to circumstances within its control, Entek
                    shall have earned a pro-rata portion of 16.25% of NFEI’s interest in all
                    acreage and facilities, calculated by dividing the actual expenditure in the 2nd
                    year of the farm-in by the 2nd Year Farm-in Expenditure. 

                    

               	 	k. 	
                    In Year 3, Entek shall spend no less than US$4 million (the 3ft Year Farm-in
                    Expenditure) on exploration and exploitation in accordance with the Farm-in
                    Agreement terms and conditions. 

                    

               	 	l. 	
                    Where circumstances beyond Entek’s control prevent the 3rd year’s work
                    program of the farm-in to complete in time to fully expend the US$4 million
                    within Year 3, Entek shall have the right to deposit the unspent portion of the
                    3rd Year Farm-in Expenditure in an escrow account for later application to the
                    farm-in work program. 

                    

               	 	m. 	
                    Immediately Entek has expended the 3rd Year Farm-in Expenditure or has deposited
                    the unspent portion of the 3rd Year Farm-in Expenditure into an escrow account,
                    Entek shall have earned a further 16.25% of NFEI’s interest, as of the date
                    hereof, in all acreage and facilities, bringing Entek’s ownership to 48.75%
                    of NFEI’s interest in all acreage and facilities. 

                    

               	 	n. 	
                    In the event Entek fails to complete the 3rd year work program and expend the
                    Year Farm-in Expenditure due to circumstances within its control, Entek shall
                    have earned a pro-rata portion of 16.25% of NFEI’s interest in all acreage
                    and facilities, calculated by dividing the actual expenditure in the 3ft year of
                    the farm-in by the 3rd Year Farm-in Expenditure. 

                    

               	 	o. 	
                    In Year 4, Entek shall spend no less than US$1.5385 million (the 4th Year
                    Farm-in Expenditure) on exploration and exploitation in accordance with the
                    Farm-in Agreement terms and conditions. 

                    

               	 	p. 	
                    Where circumstances beyond Entek’s control prohibit the 4th year’s
                    work program of the farm-in to complete in time to fully expend the US$1.5385
                    million within Year 4, Entek shall have the right to deposit the unspent portion
                    of the 4th Year Farm-in Expenditure in an escrow account for later application
                    to the farm-in work program. 

                    

               	 	q. 	
                    Immediately Entek has expended the 4th Year Farm-in Expenditure or has deposited
                    the unspent portion of the 4th Year Farm-in Expenditure into an escrow account,
                    Entek shall have earned a further 6.25% of NFEI’s interest, as of the date
                    hereof, in all acreage and facilities, bringing Entek’s ownership to 55% of
                    NFEI’s interest in all acreage and facilities. 

                    

               	 	r. 	
                    In the event Entek fails to complete the 4th year work program and expend the
                    4th Year Farm-in Expenditure due to circumstances within its control, Entek
                    shall have earned a pro-rata portion of 6.25% of NFEI’s interest in all
                    acreage and facilities, calculated by dividing the actual expenditure in the 4th
                    year of the farm-in by the 4th Year Farm-in Expenditure. Any amount remaining in
                    the escrow fund after Year 4 shall be applied to subsequent operations in the
                    contract area for the benefit of the parties in proportion to their respective
                    working interests. 

                    

          	 	3. 	
               In any of the 4 years of the farm-in, it is the year’s Farm-in Expenditure
               amount that determines the interest earned, irrespective of what portion of the
               work program is completed within any year. 

               

          	 	4. 	
               At any time after the 1” Year Farm-in Expenditure has been expended on the
               work program, or any shortfall deposited into an escrow account, Entek shall
               have the right to terminate the Farm-in Agreement and in so doing shall have the
               right to: 

               

	 	a. 	          retain
or relinquish (to NFEI), or,  

	 	b. 	         assign
to another party in which event NFEI shall be entitled to pre-emptive           rights,
all
interest in NFEI’s interest in all acreage and facilities earned in accordance with
the Farm-in Agreement. 

          	 	5. 	
               In the Farm-in Agreement, the parties will agree to establish an area of mutual
               interest (Area of Mutual Interest or AMI) designated as the whole of Sweetwater
               and Carbon Counties in the State of Wyoming and Routt and Moffat Counties in the
               State of Colorado in the United States of America. Within the AMI: 

               

	 	
a.
                                               Where
reference is made to “NFEI’s interest in all acreage and
                    facilities” within this Offer, it shall mean acreage and
facilities under                     title to NFEI or its subsidiaries at the time of
execution of the Farm-in                     Agreement within the AM I.  

	 	
b.
                                               In the
event NFEI acquires additional interests in acreage and facilities held
                    at the date of submission of the Offer and within the AMI, Entek
shall have the                     right to participate in the additional acreage and
facilities to the interest of                     55% of NFEI’s additional interest
acquired on the same terms at NFEI                     acquired the additional interest.  

	 	
c.
                                               With
respect to all other acquisitions within the AMI, each of Entek and NFEI
                    shall have the right, but not the obligation, to participate for its
working                     interest share (determined as of the date of acquisition of
the offered                     interest) in any interest acquired within the AMI by the
other party.  

	 	
d.
                                               Participation
in and acquisition of working interest by either party referred                     to in
terms a, b, and c above shall be done in accordance with the terms and
                    conditions of the governing Farm-in Agreement and Joint Operating
Agreement.  

	 	6. 	        The
AMI agreement and conditions shall remain in effect until:  

	 	
a.
                                               Either
party advise the other party by written notice that it is withdrawing
                    from the AMI in which event the party issuing the notice to withdraw
shall give                     the other party 90 days notice, except that NFEI may not
withdraw from the AM I                     whilst Entek is continuing to expend the
Farm-in Sum in accordance with the                     terms herein to acquire up to 55%
interest, or lesser interest in the event                     Entek decides not to
proceed beyond a lesser interest (less than 55%), or,  

	 	
b.
                                               Both
parties mutually agree to terminate the AMI, in which case it shall be
                    terminated effective the date of agreement.  

          	 	7. 	
               Entek shall have the right to accelerate expenditure of the Farm-in Sum and in
               so doing shall have earned interest of 16.25% in NFEI’s interest in all
               acreage and facilities for full expenditure of each of the 1st Year Farm-in
               Expenditure, Year Farm-in Expenditure and 3rd Year Farm-in Expenditure and 6.25%
               for full expenditure of the 4th Year Farm-in Expenditure, immediately each
               Farm-in Expenditure is expended. 

               

          	 	8. 	
               This Offer is subject to: 

               

	 	
a.
                                               Completion
of technical due diligence by Entek which, with the full cooperation
                    of NFEI, Entek undertake to complete within 4 weeks from acceptance
of this                     Offer.  

	 	
b.
                                               Completion
of a title search of all NFEI’s acreage and all related legal
                    due diligence by Entek with the full cooperation of NFEI  

	 	
c.
                                               Entek
Board of Director approval which shall only be granted after review and
                    acceptance of the Farm-in Agreement and the Joint Operating
Agreement, which                     decision (either acceptance of rejection) shall be
made by the Board of                     Directors at its sole discretion no later than 4
weeks after acceptance by NFEI                     of this Offer, subject to the Farm-in
Agreement and the Joint Operating                     Agreement being provided in
completed form no later than 2 weeks prior to the                     due date of a
decision by the Entek Board of Directors.  

	 	
d.
                                               Entek
shall have the right to terminate this Offer with no obligation or
                    liability whatsoever to NFEI in the event (i) Entek’s Board of
Directors                     does not approve the transactions contemplated herein; or
(ii) Entek’s due                     diligence in relation to either NFEI or the
subject acreage identifies                     technical, title, legal, commercial or
other issues that in its sole and                     absolute opinion significantly
change likely technical or commercial outcomes                     originally envisaged
by Entek at the commencement of due diligence.  

          	 	9. 	
               The parties shall agree a time schedule from the date of acceptance of this
               Offer through to completion of the farm-in and each party undertakes to use best
               endeavors to assist in meeting the dates of the time schedule. 

               

          	 	10. 	
               The parties acknowledge that as public listed companies (albeit on different
               Exchanges) there is a regulatory requirement for complete disclosure. It is
               therefore to be agreed between the parties that the other party shall agree the
               content of any disclosure by the disclosing party and the other party shall
               advise any objections to a proposed disclosure within 24 hours of receiving the
               proposed disclosure. 

               

          	 	11. 	
               This Offer shall terminate 5 business days after receipt of this Offer by NFEI.
               Receipt of the Offer shall be acknowledged by NFEI’s Chairman Mr. Samyak
               Veera, which receipt date shall be the commencement of the 5 day term.
               Acknowledgement of receipt of the Offer should be sent to Mr Russell Brimage: 

               

	 	a. 	         Email
address reb(entekenergy.com.au  

	 	b. 	         Mobile
phone +61 4399 10546  

	 	
Entek
shall have the right to withdraw the Offer in the event it does not receive
acknowledgement of receipt of the Offer within 48 hours. 

	 	12. 	         Each
party shall bear its own costs associated with this Offer through to           execution
of the Farm-in Agreement and the JOA, after which time each party will           be bound
by the terms of the Farm-in Agreement and the JOA.  

	 	13. 	         The
terms and conditions within this Offer supersede all prior terms and           conditions
discussed between the parties and shall be kept strictly confidential           by each
party.  

Yours sincerely 

/s/ Russell E Brimage

Russell E Brimage
Director
and Chief Executive Officeromnibio10k_ex1162709.htm

     

    
      Exhibit 10.11

      

      FORM
OF ADVISOR WARRANT

      WARRANT
NO. FA__

      WARRANT
TO PURCHASE SHARES

      OF
COMMON STOCK OF

      Across
America Financial Services, Inc

      (Pending
Name change to Omni Bio Pharmaceutical, Inc.)

      

      Warrant
to Purchase 1,750,000 Shares

      (subject
to adjustment as set forth herein)

      

      Exercise
Price $.001 Per Share

      (subject
to adjustment as set forth herein)

      

      VOID
AFTER 5 P.M., MST, March 31, 2014

      

      

      THE
SECURITIES REPRESENTED BY THIS WARRANT HAVE NOT BEEN REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED (THE "ACT") OR REGISTERED OR QUALIFIED UNDER
ANY OTHER APPLICABLE FEDERAL OR STATE SECURITIES LAWS.  THESE
SECURITIES MAY NOT BE OFFERED FOR SALE, SOLD, OR OTHERWISE TRANSFERRED, IN WHOLE
OR IN PART, EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT OR
QUALIFICATION FILED IN ACCORDANCE WITH THE ACT OR PURSUANT TO AN EXEMPTION FROM
REGISTRATION UNDER THE ACT.

      

      

      Across
America Financial Services, Inc. (whose name is being changed to Omni Bio
Pharmaceutical, Inc.), 5350 South Roslyn, Suite 400, Greenwood Village, CO
80111, (the "Company"), hereby certifies that, for a purchase price of $100 in
value received,

      

      Bathgate
Capital Partners LLC

      5350
South Roslyn, Suite 400

      Greenwood
Village, CO 80111

      

      (who,
together with any subsequent holder of the Warrant, is referred to as the
"Holder"), is entitled, subject to the terms and conditions set forth below, to
purchase from the Company at any time before 5 p.m., MST time, on March 31, 2014
("Expiration Date), up to

      

      One
Million, Seven Hundred Fifty Thousand (1,750,000)

      

      of the
Company's $.001 par value Common Stock (the "Shares") at a purchase price of
$.001 per Share (the "Exercise Price").

      

      The term "Warrant" as used herein shall
include this Warrant and any Warrants issued in substitution for or replacement
of this Warrant, or any Warrants into which this Warrant may be divided or
exchanged.  The number and character of the securities purchasable
upon exercise of this Warrant and the Exercise Price are subject to adjustment
as provided below.

      

      

      
        
          
             

          

          
            
            

            
              

            

          

          
             

          

        

      

      

      

      

      This Warrant may be assigned,
transferred, sold, offered for sale, or exercised, in whole or in part, by the
Holder upon compliance with all the pertinent provisions hereof.

      

      
        
           

          
            
              	
                      
                        1.

                      

                    	
                       

                    	Definitions.

            

             

          

        

      

      The
following terms used in this agreement shall have the following meanings (unless
otherwise expressly provided herein):

      

      The
“Act.”     The Securities Act of 1933, as
amended.

      

      “Cashless
Exercise”  The provision provided to the warrant holder whereby
the warrant holder may elect to exercise the warrant by turning in a portion of
the value of the shares, at the time of exercise, in payment for the shares in
lieu of cash payment.

      

      The
“Commission.”  The Securities and Exchange
Commission.

      

      The
“Company.”    Across America Financial Services,
Inc., whose name is in process of being changed to Omni Bio Pharmaceutical,
Inc.

      

       “Common Stock.”  The
Company’s Common Stock.

      

      "Current Market
Price.”  The Current Market Price shall be determined as
follows:

      

      
        	 	
                (a)  if
      the security at issue is listed on a national securities exchange or
      admitted to unlisted trading privileges on such an exchange or quoted on
      either the National Market System or the Small Cap Market of the automated
      quotation service operated by The Nasdaq Stock Market, Inc., the current
      value shall be the last reported sale price of that security on such
      exchange or system on the day for which the Current Market Price is to be
      determined or, if no such sale is made on such day, the average of the
      highest closing bid and lowest asked price for such day on such exchange
      or system; or

              

      

      

      
        	 	
                (b)  if
      the security at issue is not so listed or quoted or admitted to unlisted
      trading privileges, the Current Market Value shall be the last reported
      sale price quoted on the Electronic Bulletin Board operated by The Nasdaq
      Stock Market, Inc., or, if not so quoted, then by the National Quotation
      Bureau, Inc. on the last business day prior to the day for which the
      Current Market Price is to be determined;
or

              

      

      

      
        	 	
                (c)  if
      the security at issue is not so listed or quoted or admitted to unlisted
      trading privileges and bid and asked prices are not reported, the current
      market value shall be determined in such reasonable manner as may be
      prescribed from time to time by the Board of Directors of the Company,
      subject to the objection and arbitration procedure as described in Section
      ­6 below.

              

      

      

      “Derivative
Securities”  Securities which are either convertible or
exercisable into the Company’s common stock such as warrants or convertible
debt.

      

        “Exercise
Date.”    March 31, 2009.

      

      
        
          
             

          

          
            -
2 -

            
              

            

          

          
             

          

        

      

      

      

      

        “Exercise
Price.”    $.001 per Share, as modified in accordance
with Section 4, below.

      

        “Expiration
Date.”    March 31, 2014.

      

        “FINRA”                              FINANCIAL
INDUSTRY REGULATORY AUTHORITY

      

      “Holder “ or “Warrant
holder.”    The person to whom this Warrant is
issued, and any valid transferee thereof pursuant to Section 3.1
below.

      

      “Lock-up
Agreement.”    A Holder who owns shares of the
Company’s common stock or any securities convertible into or exchangeable for
shares of the Company’s stock that in the aggregate are in excess of 1% of
Company’s common stock issued and outstanding upon completion of the Agreement
of Merger and Plan of Reorganization is subject to a three year lock-up
agreement as specified in the attached agreement “Exhibit C – Three Year Lock-up
Agreement”. A
Holder who owns shares of the Company’s common stock or any securities
convertible into or exchangeable for shares of the Company’s stock that in the
aggregate are less than or equal to 1% of Company’s common stock issued and
outstanding upon completion of the Agreement of Merger and Plan of
Reorganization is subject to a two year lock-up agreement as specified in the
attached agreement “Exhibit C – Two Year Lock-up Agreement.  In
general, this requires the Holder of the warrant or any underlying common stock
to hold the warrant or the underlying common stock for the referenced period
from the date of closing of March 31, 2009, except as further delineated by the
lockup agreement.

      

      “Nasdaq.”    The
automated quotation system operated by the NASDAQ Stock Market,
Inc.

       

      “Termination of
Business.”    Any sale, lease or exchange of all, or
substantially all, of the Company's assets or business or any dissolution,
liquidation or winding up of the Company.

      

      “Warrants.”    The
warrants issued in accordance with the terms of this Agreement and any Warrants
issued in substitution for or replacement of such warrants, including those
evidenced by a warrant or warrants originally issued or issued upon division,
exchange, substitution or transfer pursuant to this Agreement.

      

      “Warrant
Shares.”  The Common Stock purchasable upon exercise of a
Warrant including the Common Stock underlying unexercised portions of a
Warrant.

      

      
        
          
             

          

          
            -
3 -

            
              

            

          

          
             

          

        

      

      
         

         

        
          
            	
                    
                      2.

                    

                  	
                     

                  	Exercise of
      Warrant.

          

           

        

      

      
        	
                 
      

              	
                (a)

              	
                Subject
      to the other terms and conditions of this Warrant, the purchase rights
      evidenced by this Warrant may be exercised in whole or in part at any
      time, and from time to time before the Expiration Date, by the Holder's
      presentation and surrender of this Warrant to the Company at its principal
      office or at the office of the Company's stock transfer agent, if any,
      accompanied by a duly executed Notice of Exercise, in the form attached to
      and by this reference incorporated in this Warrant as Exhibit A, and
      by payment of the aggregate Exercise Price, in immediately available
      funds, for that number of Warrant Securities specified in the Notice of
      Exercise.  In the event this Warrant is exercised in part only,
      as soon as is practicable after the presentation and surrender of this
      Warrant to the Company for exercise, the Company shall execute and deliver
      to the Holder a new Warrant, containing the same terms and conditions as
      this Warrant, evidencing the right of the Holder to purchase that number
      of Warrant Securities as to which this Warrant has not been
      exercised.

              

      

       

      
        
          	
                   
      

                	
                  (b)

                	Upon receipt of this Warrant by the Company as described in
      subsection (a) above, the Holder shall be deemed to be the holder of
      record of the Warrant Securities issuable upon such exercise,
      notwithstanding that the transfer books of the Company may then be closed
      or that certificates representing such Warrant Securities may not have
      been prepared or actually delivered to the
Holder.

        

         

        
          
            	
                    
                      3.

                    

                  	
                     

                  	Exchange,
      Assignment or Loss of Warrant.

          

           

        

      

      
        	
                 
      

              	
                (a)

              	
                This
      Warrant may be sold, transferred or assigned at any time, in whole or in
      part, if (i) the transfer is by operation of law as a result of the
      death of any Holder to whom all or a portion of this Warrant may be
      transferred, (ii) the transfer is to any successor of the Holder's
      business and (iii) the transfer is to such other persons for which an
      exemption from the registration requirements of the Act can be established
      to the satisfaction of the Company.  All sales, transfers,
      assignments or hypothecations of this Warrant must be in compliance with
      Section 8 hereof.  Any assignment or transfer of this
      Warrant shall be made by the presentation and surrender of this Warrant to
      the Company at its principal office or the office of its transfer agent,
      if any, accompanied by a duly executed Assignment Form, in the form
      attached to and by this reference incorporated in this Warrant as
      Exhibit B.  Upon the presentation and surrender of these
      items to the Company, the Company, at its sole expense, shall execute and
      deliver to the new Holder or Holders a new Warrant or Warrants, containing
      the same terms and conditions as this Warrant, in the name of the new
      Holder or Holders as named in the Assignment Form, and this Warrant shall
      at that time be canceled.

              

      

      

      
        
          
             

          

          
            -
4 -

            
              

            

          

          
             

          

        

      

      

      

      

      
        	
                 
      

              	
                (b)

              	
                This
      Warrant, alone or with other Warrants containing the same terms and
      conditions and owned by the same Holder, is exchangeable at the option of
      the Holder but at the Company's sole expense, at any time prior to its
      expiration either by its terms or by its exercise in full upon
      presentation and surrender to the Company at its principal office or at
      the office of its transfer agent, if any, for another Warrant or other
      Warrants, of different denominations but containing the same terms and
      conditions as this Warrant, entitling the Holder to purchase the same
      aggregate number of Warrant Securities that were purchasable pursuant to
      the Warrant or Warrants presented and surrendered.  At the time
      of presentation and surrender by the Holder to the Company, the Holder
      also shall deliver to the Company a written notice, signed by the Holder,
      specifying the denominations in which new Warrants are to be issued to the
      Holder.

              

      

      

      
        	
                 
      

              	
                (c)

              	
                The
      Company will execute and deliver to the Holder a new Warrant containing
      the same terms and conditions as this Warrant upon receipt by the Company
      of evidence reasonably satisfactory to it of the loss, theft, destruction,
      or mutilation of this Warrant, provided that (i) in the case of loss,
      theft, or destruction, the Company receives from the Holder a reasonably
      satisfactory indemnification, and (ii) in the case of mutilation, the
      Holder presents and surrenders this Warrant to the Company for
      cancellation.  Any new Warrant executed and delivered shall
      constitute an additional contractual obligation on the part of the Company
      regardless of whether the Warrant that was lost, stolen, destroyed, or
      mutilated shall be enforceable by anyone at any
  time.

              

      

       

      
        
          	
                  
                    4.

                  

                	
                   

                	Anti-Dilution
      Provisions.

        

        
           

        

      

      
        
          	
                   
      

                	
                  4.1

                	Stock Splits, Dividends,
      Etc.

        

      

      

      
        	
                 
      

              	
                (a)

              	
                If
      the Company shall at any time subdivide its outstanding shares of Common
      Stock (or other securities at the time receivable upon the exercise of the
      Warrant) by recapitalization, reclassification or split-up thereof, or if
      the Company shall declare a stock dividend or distribute shares of Common
      Stock to its stockholders, the number of shares of Common Stock subject to
      this Warrant immediately prior to such subdivision shall be
      proportionately increased, and if the Company shall at any time combine
      the outstanding shares of Common Stock by recapitalization,
      reclassification or combination thereof, the number of shares of Common
      Stock subject to this Warrant immediately prior to such combination shall
      be proportionately decreased.  Any such adjustment and
      adjustment to the Exercise Price pursuant to this section shall be
      effective at the close of business on the effective date of such
      subdivision or combination or if any adjustment is the result of a stock
      dividend or distribution then the effective date for such adjustment based
      thereon shall be the record date
therefore.

              

      

      

      
        
          
             

          

          
            -
5 -

            
              

            

          

          
             

          

        

      

      

      

      

      
        	
                 
      

              	
                (b)

              	
                Whenever
      the number of shares of Common Stock purchasable upon the exercise of this
      Warrant is adjusted, as provided in this section, the Exercise Price shall
      be adjusted to the nearest cent by multiplying such Exercise Price
      immediately prior to such adjustment by a fraction (x) the numerator of
      which shall be the number of shares of Common Stock purchasable upon the
      exercise immediately prior to such adjustment, and (y) the denominator of
      which shall be the number of shares of Common Stock so purchasable
      immediately thereafter.

              

      

      

      
        	
                 
      

              	
                4.2

              	
                Adjustment for
      Reorganization, Consolidation, Merger, Etc.  In case of
      any reorganization of the Company (or any other corporation, the
      securities of which are at the time receivable on the exercise of this
      Warrant) shall consolidate with or merge into another corporation or
      convey all or substantially all of its assets to another corporation,
      then, and in each such case, the Holder of this Warrant upon the exercise
      at any time after the consummation of such reorganization, consolidation,
      merger or conveyance, shall be entitled to receive, in lieu of the
      securities and property receivable upon the exercise of this Warrant prior
      to such consummation, the securities or property to which such Holder
      would have been entitled upon such consummation if such Holder had
      exercised this Warrant immediately prior thereto; in each such case, the
      terms of this Warrant shall be applicable to the securities or property
      received upon the exercise of this Warrant after such
      consummation.

              

      

      

      
        	
                 
      

              	
                4.3

              	
                Certificate as to
      Adjustments.  In each case of an adjustment in the number
      of shares of Common Stock receivable on the exercise of this Warrant, the
      Company at its expense shall promptly compute such adjustment in
      accordance with the terms of the Warrant and prepare a certificate
      executed by an officer of the Company setting forth such adjustment and
      showing the facts upon which such adjustment is based.  The
      Company shall forthwith mail a copy of each such certificate to each
      Holder.  The failure to prepare or provide such certificate
      shall not modify the rights of any party
  hereunder.

              

      

       

      
        

        
          	
                   
      

                	
                  4.4

                	Notices of Record Date,
      Etc.  In case:

        

         

      

      
        	
                 
      

              	
                (a)

              	
                the
      Company shall take a record of the holders of its Common Stock (or other
      securities at the time receivable upon the exercise of the Warrant) for
      the purpose of entitling them to receive any dividend (other than a cash
      dividend at the same rate as the rate of the last cash dividend
      theretofore paid) or other distribution, or any right to subscribe for,
      purchase or otherwise acquire any shares of stock of any class or any
      other securities, or to receive any other right;
  or

              

      

      

      
        
          
             

          

          
            -
6 -

            
              

            

          

          
             

          

        

      

      

      

      

      
        	
                 
      

              	
                (b)

              	
                of
      any voluntary or involuntary dissolution, liquidation or winding-up of the
      Company, then, and in each such case, the Company shall mail or cause to
      be mailed to each Holder a notice specifying, as the case may be,
      (i) the date on which a record is to be taken for the purpose of such
      dividend, distribution or right, and stating the amount and character of
      such dividend, distribution or right, or (ii) the date on which such
      reorganization, reclassification, consolidation, merger, conveyance,
      dissolution, liquidation or winding-up is to take place, and the time, if
      any, to be fixed, as to which the holders of record of Common Stock (or
      such other securities at the time receivable upon the exercise of this
      Warrant) shall be entitled to exchange their shares of Common Stock (or
      such other securities) for securities or other property deliverable upon
      such reorganization, reclassification, consolidation, merger, conveyance,
      dissolution, liquidation or winding-up.  Such notice shall be
      mailed at least twenty (20) days prior to the date therein specified, and
      this Warrant may be exercised prior to said date during the term of the
      Warrant.

              

      

      

      
        	
                 
      

              	
                4.5

              	
                Threshold for
      Adjustments.  Anything in this section to the contrary
      notwithstanding, the Company shall not be required to give effect to any
      adjustment until the cumulative resulting adjustment in the Exercise Price
      pursuant to Subsection 6.1.2 shall have required a change of the
      Exercise Price by at least $.01, but when the cumulative net effect of
      more than one adjustment so determined shall be to change the Exercise
      Price by at least $.01, such full change in the Exercise Price shall
      thereupon be given effect.  No adjustment shall be made by
      reason of the issuance of shares upon conversion rights, stock issuance
      rights or similar rights currently outstanding or any change in the number
      of treasury shares held by the
Company.

              

      

      

      
        	
                
                  5.

                

              	
                 

              	
                Reservation of Warrant
      Securities.  The Company hereby agrees that at all times
      prior to the Expiration Date, it will have authorized and will reserve and
      keep available for issuance and delivery to the Holder that number of
      Warrant Securities that may be required from time to time for issuance and
      delivery upon the exercise of the then unexercised portion of this Warrant
      and all other similar Warrants then outstanding and unexercised and upon
      the exercise of any Warrant
Securities.

              

      

      
        

        
          	
                  
                    6.

                  

                	
                   

                	Transfer to Comply
      With the Securities Act of 1933.

        

         

      

      
        	
                 
      

              	
                (a)

              	
                This
      Warrant, the Warrant Securities, and all other securities issued or
      issuable upon exercise of this Warrant, may not be offered, sold or
      transferred, in whole or in part, except in compliance with the Act, and
      except in compliance with all applicable state securities
      statutes.

              

      

      

      
        	
                 
      

              	
                (b)

              	
                The
      Company may cause the following legend, or its equivalent, to be set forth
      on each certificate representing the Warrant Securities, or any other
      security issued or issuable upon exercise of this Warrant, not theretofore
      distributed to the public or sold to underwriters, as defined by the Act,
      for distribution to the public pursuant to Section 7
      above:

              

      

      

      
        
          
             

          

          
            -
7 -

            
              

            

          

          
             

          

        

      

      

      

      

      
        	
                 
      

              	
                "The
      securities represented by this Certificate have not been registered under
      the Securities Act of 1933 ("the Act") and are 'restricted securities' as
      that term is defined in Rule 144 under the Act.  The
      securities may not be offered for sale, sold or otherwise transferred
      except pursuant to an effective registration statement under the Act or
      pursuant to an exemption from registration under the Act, the availability
      of which is to be established to the satisfaction of the
      Company."

              

      

      

      
        	
                

                  7.

                

              	
              	
                Fractional
      Shares.  No fractional shares or scrip representing
      fractional shares shall be issued upon the exercise of all or any part of
      this Warrant.  With respect to any fraction of a share of any
      security called for upon any exercise of this Warrant, the Company shall
      pay to the Holder an amount in money equal to that fraction multiplied by
      the current market value of that share.  The current market
      value shall be determined as
follows:

              

      

      

      
        	
                 
      

              	
                (i)

              	
                if
      the security at issue is listed on a national securities exchange or
      admitted to unlisted trading privileges on such an exchange or listed on
      the National Association of Securities Dealers National Market System, the
      current value shall be the last reported sale price of that security on
      such exchange or system on the last business day prior to the date of the
      applicable exercise of this Warrant or, if no such sale is made on such
      day, the average of the highest closing bid and lowest asked price for
      such day on such exchange or system;
or

              

      

      

      
        	
                 
      

              	
                (ii)

              	
                if
      the security at issue is not so listed or admitted to unlisted trading
      privileges, the current market value shall be the average of the last
      reported highest bid and lowest asked prices quoted on the National
      Association of Securities Dealers Automated Quotations System or, if not
      so quoted, then by the National Quotation Bureau, Inc. on the last
      business day prior to the day of the applicable exercise of this Warrant;
      or

              

      

      

      
        	
                 
      

              	
                (iii)

              	
                if
      the security at issue is not so listed or admitted to unlisted trading
      privileges and bid and asked prices are not reported, the current market
      value shall be determined in such reasonable manner as may be prescribed
      from time to time by the Board of Directors of the Company, subject to the
      arbitration procedure as described in Section 15 below if a Holder
      delivers written notice to the Company of an objection within thirty (30)
      days after the Board’s decision.

              

      

      

      
        	
                
                  8.

                

              	
              	
                Rights of the Holder,
      Registration Rights, Restrictions on Transfer and Lock-up
      Agreement.  The Holder shall not be entitled to any
      rights as a shareholder in the Company by reason of this Warrant, either
      at law or equity, except as specifically provided for
      herein.  The Company covenants, however, that for so long as
      this Warrant is at least partially unexercised, it will furnish any Holder
      of this Warrant with copies of all reports and communications furnished to
      the shareholders of the Company.

              

      

      

      
        
          
             

          

          
            -
8 -

            
              

            

          

          
             

          

        

      

      

      

      
        	
                 
      

              	
                8.1.

              	
                Restrictions on Transfer and
      Lock-up Agreement  The Warrant holder agrees that prior
      to making any disposition of the Warrants or the Shares, the Warrant
      holder shall give written notice to the Company describing briefly the
      manner in which any such proposed disposition is to be made; and no such
      disposition shall be made if the Company has notified the Warrant holder
      that in the opinion of counsel reasonably satisfactory to the Warrant
      holder a registration statement or other notification or post-effective
      amendment thereto (hereinafter collectively a “Registration Statement”)
      under the Act is required with respect to such disposition and no such
      Registration Statement has been filed by the Company with, and declared
      effective, if necessary, by, the Commission.

                 

                By
      taking receipt of this warrant, the Holder agrees to the implicit
      provisions of Exhibit C- The Lock-up Agreement.  In summary,
      pursuant to the Lock-up agreement the Holder, and its assignees, agree to
      not transfer, except as explicitly provided for a period of up to two
      years from March 31, 2009, the warrant or the common stock underlying the
      warrant, where the aggregate amount of warrant securities and/or common
      stock underlying the warrant (or when aggregated with other common shares
      or derivative securities held by the holder) aggregate not more than one
      percent (1%) of the outstanding shares of the Company.   In
      the event the aggregate amount of the warrant securities and/or common
      stock underlying the warrant (or when aggregated with other common shares
      or derivative securities held by the Holder) aggregate more than one
      percent (1%) of the outstanding shares of the Company the Holder shall
      agree to not transfer, except as explicitly provided for a period of up to
      three years from March 31, 2009, the warrant or the common stock
      underlying the warrant.

              

      

      
         

        
          	
                   
      

                	
                  8.2.

                	
                        
                    Piggy-Back Registration
      Right.  If at any time prior to the Expiration Date the
      Company files a registration statement with the Commission pursuant to the
      Act, or pursuant to any other act passed after the date of this Agreement,
      which filing provides for the sale of securities by the Company to the
      public, or files a Regulation A offering statement under the Act, the
      Company shall offer to the Holder or Holders of this Warrant and the
      holders of any Warrant Shares the opportunity to register or qualify the
      Warrant Shares at the Company's sole expense, regardless of whether the
      Holder or Holders of this Warrant or the holders of Warrant Shares or both
      may have previously availed themselves of any of the registration rights
      described in this Section 8; provided, however, that in the case of a
      Regulation A offering, the opportunity to qualify shall be limited to the
      amount of the available exemption after taking into account the securities
      that the Company wishes to qualify.  Notwithstanding anything to the
      contrary, this Section 8.2 shall not be applicable to a registration
      statement registering securities issued pursuant to an employee benefit
      plan or as to a transaction subject to Rule 145 promulgated under the Act
      or which a form S-4 registration statement could be used.  The
      shares shall be registered “for the shelf”, that is, for future
      sale.

                  

                

        

         

         

      

      
        
          
             

          

          
            -
9 -

            
              

            

          

          
             

          

        

      

       

      
        
          	
                   
      

                	
                	
                  The
      Company shall deliver written notice to the Holder or Holders of this
      Warrant and to any holders of the Warrant Shares of its intention to file
      a registration statement or Regulation A offering statement under the Act
      at least 60 days prior to the filing of such registration statement or
      offering statement, and the Holder or Holders and holders of Warrant
      Shares shall have 30 days thereafter to request in writing that the
      Company register or qualify the Warrant Shares or the Warrant Shares
      underlying the unexercised portion of this Warrant in accordance with this
      Section 8.2.  Upon the delivery of such a written request within the
      specified time, the Company shall be obligated to include in its
      contemplated registration statement or offering statement all information
      necessary or advisable to register or qualify the Warrant Shares or
      Warrant Shares underlying the unexercised portion of this Warrant for a
      public offering, if the Company does file the contemplated registration
      statement or offering statement; provided, however, that neither the
      delivery of the notice by the Company nor the delivery of a request by a
      Holder or by a holder of Warrant Shares shall in any way obligate the
      Company to file a registration statement or offering statement. 
      Furthermore, notwithstanding the filing of a registration statement or
      offering statement, the Company may, at any time prior to the effective
      date thereof, determine not to offer the securities to which the
      registration statement or offering statement relates, other than the
      Warrant, Warrant Shares and Warrant Shares underlying the unexercised
      portion of this Warrant. Notwithstanding the foregoing, if, as a
      qualification of any offering in any state or jurisdiction in which the
      Company (by vote of its Board of Directors) or any underwriter determines
      in good faith that it wishes to offer securities registered in the
      offering, it is required that offering expenses be allocated in a manner
      different from that provided above, then the offering expenses shall be
      allocated in whatever manner is most nearly in compliance with the
      provisions set out above.

                  

                  The
      Company shall comply with the requirements of this Section 8.2 and the
      related requirements of Section 8.4 at its own expense.  That expense
      shall include, but not be limited to, legal, accounting, consulting,
      printing, federal and state filing fees, NASD fees, out-of-pocket expenses
      incurred by counsel, accountants and consultants retained by the Company,
      and miscellaneous expenses directly related to the registration statement
      or offering statement and the offering.  However, this expense shall
      not include the portion of any underwriting commissions, transfer taxes
      and the underwriter's accountable and non-accountable expense allowances
      attributable to the offer and sale of the Warrant, Warrant Shares and the
      Warrant Shares underlying the unexercised portion of this Warrant, all of
      which expenses shall be borne by the Holder or Holders of this Warrant and
      the holders of the Warrant Shares registered or
  qualified.

                

        

        
          
             

          

          
            -
10 -

            
              

            

          

          
             

          

        

      

      
        	
                 
      

              	
                8.3.

              	
                Inclusion of
      Information.    In the event that the Company
      registers or qualifies the Warrant Shares pursuant to Section 8.2 above,
      the Company shall include in the registration statement or qualification,
      and the prospectus included therein, all information and materials
      necessary or advisable to comply with the applicable statutes and
      regulations so as to permit the public sale of the Warrant Shares or the
      Warrant Shares underlying the unexercised portion of this Warrant. 
      As used in Section 8.2, reference to the Company's securities shall
      include, but not be limited to, any class or type of the Company's
      securities or the securities of any of the Company's subsidiaries or
      affiliates.

              

      

      

      
        	
                 
      

              	
                8.4.

              	
                Condition of Company’s
      Obligations.  As to each registration statement or
      offering statement, the Company's obligations contained in this Section 8
      shall be conditioned upon a timely receipt by the Company in writing of
      the following:

              

      

      

      
        	
                 
      

              	
                (a)  Information
      as to the terms of the contemplated public offering furnished by and on
      behalf of each Holder or holder intending to make a public distribution of
      the Warrant Shares or Warrant Shares underlying the unexercised portion of
      the Warrant; and

              

      

      

      
        	
                 
      

              	
                (b)  Such
      other information as the Company may reasonably require from such Holders
      or holders, or any underwriter for any of them, for inclusion in the
      registration statement or offering
statement.

              

      

      
        

        
          	
                   
      

                	
                  8.5.

                	
                  Additional
      Requirements.  In each instance in which the Company
      shall take any action to register or qualify the Warrant Shares or the
      Warrant Shares underlying the unexercised portion of this Warrant, if any,
      pursuant to this Section 8, the Company shall do the
      following:

                

        

         

      

      
        	
                 
      

              	
                (a)  supply
      to the Warrant holders and the holders of Warrant Shares whose Warrant
      Shares are being registered or qualified, one copy of each registration
      statement or offering statement, and all amendments thereto, and a
      reasonable number of copies of the preliminary, final or other prospectus
      or offering circular, all prepared in conformity with the requirements of
      the Act and the rules and regulations promulgated there under, and such
      other documents as the Warrant holder shall reasonably
      request;

              

      

      

      
        	
                 
      

              	
                (b)  cooperate
      with respect to (i) all necessary or advisable actions relating to the
      preparation and the filing of any registration statements or offering
      statements, and all amendments thereto, arising from the provisions of
      this Section 8, (ii) all reasonable efforts to establish an exemption from
      the provisions of the Act or any other federal or state securities
      statutes, (iii) all necessary or advisable actions to register or qualify
      the public offering at issue pursuant to federal securities statutes and
      the state "blue sky" securities statutes of each jurisdiction that the
      Holders of the Warrant or holders of Warrant Shares shall reasonably
      request, and (iv) all other necessary or advisable actions to enable the
      Holders of the Warrant Shares to complete the contemplated disposition of
      their securities in each reasonably requested jurisdiction;
      and

              

      

      

      
        
          
             

          

          
            -
11 -

            
              

            

          

          
             

          

        

      

      

      

      

      
        	
                 
      

              	
                (c)  keep
      all registration statements or offering statements to which this Section 8
      applies, and all amendments thereto, effective under the Act for as long
      as any Warrants and/or Warrant Shares that are included in the
      registration statement have been
sold.

              

      

      
        

        
          	
                   
      

                	
                  8.6.

                	
                  Reciprocal
      Indemnification.  In each instance in which pursuant to
      this Section 8 the
      Company shall take any action to register or qualify the Warrants or the
      Warrant Shares underlying the unexercised portion of this Warrant, prior
      to the effective date of any registration statement or offering statement,
      the Company and each Holder or holder of Warrants or Warrant Shares being
      registered or qualified shall enter into reciprocal indemnification
      agreements, in the form customarily used by reputable investment bankers
      with respect to public offerings of securities, containing substantially
      the same terms as described in Section 10.  These indemnification
      agreements also shall contain an agreement by the Holder or shareholder at
      issue to indemnify and hold harmless the Company, its officers and
      directors from and against any and all losses, claims, damages and
      liabilities, including, but not limited to, all expenses reasonably
      incurred in investigating, preparing, defending or settling any claim,
      directly resulting from any untrue statements of material facts, or
      omissions to state a material fact necessary to make a statement not
      misleading, contained in a registration statement or offering statement to
      which this Section 8 applies, if, and only if, the untrue statement or
      omission directly resulted from information provided in writing to the
      Company by the indemnifying Holder or shareholder expressly for use in the
      registration statement or offering statement at
    issue.

                

        

         

      

      
        	
                 
      

              	
                8.7.

              	
                Survival.  The
      Company's obligations described in this Section 8 shall continue in full
      force and effect regardless of the exercise, surrender, cancellation or
      expiration of this Warrant.

              

      

      

      

      
        	
                

                  9.

                

              	
              	
                Charges Due Upon
      Exercise.  The Company shall pay any and all issue or
      transfer taxes, including, but not limited to, all federal or state taxes,
      that may be payable with respect to the transfer of this Warrant or the
      issue or delivery of Warrant Securities upon the exercise of this
      Warrant.

              

      

      

      
        	
                10.

              	
                Warrant Securities to
      be Fully Paid.  The Company covenants that all Warrant
      Securities that may be issued and delivered to a Holder of this Warrant
      upon the exercise of this Warrant will be, upon such delivery, validly and
      duly issued, fully paid and
non-assessable.

              

      

      

      
        	
                11.

              	
                Notices.  All
      notices, certificates, requests, or other similar items provided for in
      this Warrant shall be in writing and shall be personally delivered or
      deposited in the United States mail, postage prepaid, addressed to the
      respective party as indicated in the portions of this Warrant preceding
      Section 1.  All notices shall be deemed to be delivered
      upon personal delivery or upon the expiration of three (3) business days
      following deposit in the United States mail, postage
      prepaid.  The addresses of the parties may be changed, and
      addresses of other Holders and holders of Warrant Securities may be
      specified, by written notice delivered pursuant to this
      Section 13.  The Company's
      principal office shall be deemed to be the address provided pursuant to
      this Section for the delivery of notices to the
      Company.

              

      

      

      
        
          
             

          

          
            -
12 -

            
              

            

          

          
             

          

        

      

       

      

      
        	
                12.

              	
                Applicable
      Law.  This Warrant shall be governed by and construed in
      accordance with the laws of the State of Colorado, and courts located in
      Colorado shall have exclusive jurisdiction over all disputes arising
      hereunder except as provided in Section 15
  hereof.

              

      

      

      
        
          	
                  13.

                	
                  

                    Dispute
      Resolution. The parties shall attempt in good faith to
      resolve any controversy or claim arising out of or relating to this
      Warrant, or the breach, termination, or validity thereof (a “Dispute”)
      promptly by negotiation between the parties.  If a Dispute has
      not been resolved within thirty (30) days by negotiation, the parties
      shall attempt to mediate the Dispute through the selection of a mutually
      agreeable mediator who shall conduct such mediation in
      confidence.  If a Dispute is not resolved by mediation, then the
      Dispute shall be settled by arbitration in accordance with the Commercial
      Arbitration Rules of the American Arbitration Association, and governed by
      the United States Arbitration Act, 9 U.S.C. §§ 1-16, except as otherwise
      provided herein.  Judgment upon the award rendered by the
      arbitrator may be entered by any court having jurisdiction
      thereof.  The place of arbitration shall be Denver,
      Colorado.  Each party shall be responsible for his own attorney
      fees incurred during any phase of dispute resolution.  The
      arbitrator shall apply the law to the dispute in the same manner as a
      judge as though the dispute was before a court of law of the State of
      Colorado.  The arbitrator shall have the authority to award any
      remedy or relief that a court of the State of Colorado could order or
      grant, including, without limitation, specific performance of any
      obligation created under the Agreement, the issuance of an injunction, or
      the imposition of sanctions for abuse or frustration of the arbitration
      process.  Notwithstanding the foregoing, the arbitrator shall
      not have authority to award punitive damages.  The parties shall
      take all reasonable steps necessary to conduct a hearing no later than
      forty-five (45) days after submission of the matter to
      arbitration.  The arbitrator shall render his decision within
      fifteen (15) days after the close of the arbitration
      hearing.  The arbitration award shall be in writing and shall
      specify the factual and legal bases for the
  award.

                  

                

        

      

       

      
        
          	
                  14.

                	Miscellaneous
      Provisions.

        

         

      

      
        	
                 
      

              	
                (a)

              	
                Subject
      to the terms and conditions contained herein, this Warrant shall be
      binding on the Company and its successors and shall inure to the benefit
      of the original Holder, its successors and assigns and all holders of
      Warrant Securities and the exercise of this Warrant in full shall not
      terminate the provisions of this Warrant as it relates to holders of
      Warrant Securities.

              

      

      

      
        	
                 
      

              	
                (b)

              	
                If
      the Company fails to perform any of its obligations hereunder, it shall be
      liable to the Holder for all damages, costs and expenses resulting from
      the failure, including, but not limited to, all reasonable attorney's fees
      and disbursements.

              

      

      

      
        	
                 
      

              	
                (c)

              	
                This
      Warrant cannot be changed or terminated or any performance or condition
      waived in whole or in part except by an agreement in writing signed by the
      party against whom enforcement of the change, termination or waiver is
      sought.

              

      

      

      
        	
                 
      

              	
                (d)

              	
                If
      any provision of this Warrant shall be held to be invalid, illegal or
      unenforceable, such provision shall be severed, enforced to the extent
      possible, or modified in such a way as to make it enforceable, and the
      invalidity, illegality or unenforceability shall not affect the remainder
      of this Warrant.

              

      

      

      
        
          
             

          

          
            -
13 -

            
              

            

          

          
             

          

        

      

      

      

      

      
        	
                 
      

              	
                (e)

              	
                The
      Company agrees to execute such further agreements, conveyances,
      certificates and other documents as may be reasonably requested by the
      Holder to effectuate the intent and provisions of this
      Warrant.

              

      

      

      
        	
                 
      

              	
                (f)

              	
                Paragraph
      headings used in this Warrant are for convenience only and shall not be
      taken or construed to define or limit any of the terms or provisions of
      this Warrant.  Unless otherwise provided, or unless the context
      shall otherwise require, the use of the singular shall include the plural
      and the use of any gender shall include all
  genders.

              

      

       

      
        

        
          
            
              
                
                  	 	 
      	 	 
      
	 	 
      	 	
                          OMNI
      BIO PHARMACEUTICAL, INC.

                        
	 	
                          ATTEST:

                        	 	 
      
	 	 
      	 	 
      
	 	 
      	 	 
      
	 	 
      	 	 
      
	 By:
       	
                          ____________________________
      

                        	 By:  
      	
                          
                            ___________________________
      

                          

                        
	 	
                          Bob
      Ogden

                        	 	
                          Edward
      Larkin

                        
	 	
                          Secretary

                        	 	
                          Chief
      Operating
Officer

                        

                

              

            

          

        

        

        

        
          
            
               

            

            
              -
14 -

              
                

              

            

            
               

            

          

        

        

        EXHIBIT
A

        

        NOTICE
OF EXERCISE

        

        (To be
executed by a Holder desiring to exercise the right to purchase Shares pursuant
to a Warrant.)

        

        The undersigned Holder of a Warrant
hereby

        

        
          	
                  (a)

                	
                  irrevocably
      elects to exercise the Warrant to the extent of purchasing _______________
      Shares;

                

        

        

        
          	
                  (b)

                	
                  makes
      payment in full of the aggregate Exercise Price for those Shares in the
      amount of $_______________ by
      the delivery of immediately available funds in the amount of
      $_______________ ;

                	
                   

                	
                

        

        

        
          	
                  (c)

                	
                  requests
      that certificates evidencing the securities underlying such Shares be
      issued in the name of the undersigned, or, if the name and address of some
      other person is specified below, in the name of such other
      person:

                

        

         

        __________________________________________________

        
__________________________________________________

        
__________________________________________________

        (Name and
address of person other than
the

        undersigned
in whose name Shares are to be registered)

        

        
          	
                  (d)

                	
                  requests,
      if the number of Shares purchased are not all the Shares purchasable
      pursuant to the unexercised portion of the Warrant, that a new Warrant of
      like tenor for the remaining Shares purchasable pursuant to the Warrant be
      issued and delivered to the undersigned at the address stated
      below.

                

        

         

        
 

        
          
            	
                    Dated:
      _______________________

                  	 
      	 
      
	 
      	 
      	
                    Signature
      ______________________________________

                  
	 
      	 
      	
                    (This
      signature must conform in all respects

                    to
      the name of the Holder as specified on the

                    face
      of the Warrant.)

                  
	 
      	 
      	 
      
	 ____________________________________	 
      	 
      
	
                    Social
      Security Number or Employer ID Number

                  	 
      	 _____________________________________
	 
      	 
      	
                    Printed
      Name

                  
	 
      	 
      	 
      
	 
      	
                     Address:    
      

                  	
                    _____________________________________

                     

                    _____________________________________

                  

          

        

        

        
          
            
               

            

            
              -
15 -

              
                

              

            

            
               

            

          

        

        

        

        EXHIBIT
B

        

        ASSIGNMENT
FORM

        

        

        FOR VALUE
RECEIVED, the undersigned,, hereby sells, assigns and transfers
unto:

        

        Name: _______________________________________________________                

        (Please type or print in block
letters)

        

        Address:  _____________________________________________________

        
 

        

        the right
to purchase  ____________ Shares of Omni Bio Pharmaceutical, Inc. (the
"Company") pursuant to the terms and conditions of the Warrant held by the
undersigned.  The undersigned hereby authorizes and directs the
Company (i) to issue and deliver to the above-named assignee at the above
address a new Warrant pursuant to which the rights to purchase being assigned
may be exercised, and (ii) if there are rights to purchase Shares remaining
pursuant to the undersigned's Warrant after the assignment contemplated herein,
to issue and deliver to the undersigned at the address stated below a new
Warrant evidencing the right to purchase the number of Shares remaining after
issuance and delivery of the Warrant to the above-named
assignee.  Except for the number of Shares purchasable, the new
Warrants to be issued and delivered by the Company are to contain the same terms
and conditions as the undersigned's Warrant.  To complete the
assignment contemplated by this Assignment Form, the undersigned hereby
irrevocably constitutes and
appoints ____________________________________ as the undersigned's
attorney-in-fact to transfer the Warrants and the rights thereunder on the books
of the Company with full power of substitution for these
purposes.
 

        
          
            
              	
                      Dated:
      _______________________________

                    	 
      	 
      
	 
      	 
      	
                      Signature
      _____________________________________

                    
	 
      	 
      	
                      (This
      signature must conform in all respects

                      to
      the name of the Holder as specified on the

                      face
      of the Warrant.)

                    
	 
      	 
      	 
      
	 ____________________________________	 
      	 
      
	
                      Social
      Security Number or Employer ID Number

                    	 
      	_____________________________________
	 
      	 
      	
                      Printed
      Name

                    
	 
      	 
      	 
      
	 
      	
                       Address:    
      

                    	
                      _____________________________________

                       

                      _____________________________________

                    

            

          

           

        

      

      

      
        
          
             

          

          
            -
16 -

            
              

            

          

          
             

          

        

      

      

      

      EXHIBIT
C

      

       Two Year
Lock-up Agreement

      

      

      (a) 
I will not offer, sell, contract to sell, pledge, hypothecate, grant any option
to purchase or otherwise dispose of (the "Resale Restrictions") any shares of
Common Stock of the Company, or any securities convertible into or exchangeable
for shares of Common Stock of the Company, that I beneficially own or otherwise
hold by me as of the date of this letter, or which I may acquire pursuant to the
Agreement of Merger and Plan of Reorganization, or which are issuable upon
exercise of options, warrants, or other convertible securities held by me on
such dates, (collectively, the “Restricted Securities") for the period specified
hereafter without the prior written consent of a representative of BOCO
Investments, LLC.  Such restrictions shall apply to the Restricted
Securities for a period of two (2) years after the closing date of the Agreement
of Merger and Plan of Reorganization.  Thereafter, I may sell up to
twenty-five percent (25%) of the Restricted Securities every quarter beginning
in the third year.  As a reasonable means of ensuring compliance with
the terms of this Agreement, the undersigned further agrees that the Company may
instruct the transfer agent for the Restricted Securities to place a transfer
restriction on such transfer agent's records,

      

      (b) 
Notwithstanding the foregoing, if, at any time after fifteen (15) months from
the closing date of the Agreement of Merger and Plan of Reorganization, the
closing price of the Company’s common stock is above $3.00 per share for 25 out
of 30 consecutive trading days with an average daily trading volume in excess of
250,000 shares, I may sell up to ten percent (10%) of the Restricted Shares in
every quarter that these conditions are met.

      

      (c) 
Notwithstanding the foregoing, if I am an individual, I may transfer any or all
of the Restricted Securities either during my lifetime or on my death by will or
intestacy to my immediate family or to a trust, beneficiaries of which are
exclusively me, a member or members of my immediate family; provided, however,
that in any such case it shall be a condition of the transfer that the
transferee execute an agreement stating that the transferee is receiving and
holding the Restricted Securities subject to the provisions of this Agreement,
and there shall be no further transfer of such Restricted Securities except in
accordance with this Agreement. For purposes of this paragraph, "immediate
family” shall mean spouse, lineal descendant, father, mother, brother or sister
of the transferor.

      

      
        
          
             

          

          
            -
17 -

            
              

            

          

          
             

          

        

      

      

      

      3. 
In addition, notwithstanding the foregoing, if I am a partnership, the
partnership may transfer any Restricted Securities to a partner of such
partnership or a retired partner of such partnership who retires after the date
hereof, or to the estate of any such partner or retired partner, and any partner
who is an individual may transfer Restricted Securities by gift, will or
intestate succession to his or her immediate family (as defined above) or
ancestors. If I am a corporation, the corporation may transfer Restricted
Securities to any shareholder of such corporation and any shareholder who is an
individual may transfer Restricted Securities by gift, will or intestate
succession to his or her immediate family (as defined above) or ancestors.
Notwithstanding anything else herein to the contrary, in an such case, it shall
be a condition to the transfer that the transferee execute an agreement stating
that the transferee is receiving and holding the Restricted Securities subject
to the provisions of this Agreement and there shall be no further transfer of
such Restricted Securities except in accordance with this
Agreement.

      

      4.  I recognize that
the offer of the Shares  in the Company was based upon my
representations and warranties contained above and hereby agree to indemnify the
Company and to hold it harmless against any and all liabilities, costs, or
expenses (including reasonable attorneys' fees) arising by reason of, or in
connection with, any misrepresentation or any breach of such warranties by the
undersigned, or arising as a result of the sale or distribution of the Shares by
me in violation of the Securities Act of 1933, as amended, or any other
applicable law. Further, in the event that any dispute were to arise in
connection with this Agreement or with the undersigned's investment in the
Company, I agree, prior to seeking any other relief at law or equity, to submit
the matter to binding arbitration in accordance with the rules of the American
Arbitration Association at a place to be designated by the Company.

      

      Very
truly yours,

      

      

      By:
______________________________________________

      Signature

      

      

      ________________________________________________________

      Title of
signing entity

      

      Restricted
Securities subject to this Agreement:

      

      _________
shares of Across America Financial Services, Inc. (whose name is in process of
being changed to Omni Bio Pharmaceutical, Inc.)

      

      
        
          
             

          

          
            -
18 -

            
              

            

          

          
             

          

        

      

      

      

       Three
Year Lock-up Agreement

      

      

      (a) 
I will not offer, sell, contract to sell, pledge, hypothecate, grant any option
to purchase or otherwise dispose of (the "Resale Restrictions") any shares of
Common Stock of the Company, or any securities convertible into or exchangeable
for shares of Common Stock of the Company, that I beneficially own or otherwise
hold by me as of the date of this letter, or which I may acquire pursuant to the
Agreement of Merger and Plan of Reorganization, or which are issuable upon
exercise of options, warrants, or other convertible securities held by me on
such dates, (collectively, the “Restricted Securities") for the period specified
hereafter without the prior written consent of a representative of BOCO
Investments, LLC.  Such restrictions shall apply to the Restricted
Securities for a period of three years after the closing date of the Agreement
of Merger and Plan of Reorganization, provided, however, that after two (2)
years, I may sell up to five percent (5%) of the Restricted Securities every
quarter during the third year.  As a reasonable means of ensuring
compliance with the terms of this Agreement, the undersigned further agrees that
the Company may instruct the transfer agent for the Restricted Securities to
place a transfer restriction on such transfer agent's records,

      

      (b) 
Notwithstanding the foregoing, if, at any time after fifteen (15) months from
the closing date of the Agreement of Merger and Plan of Reorganization, the
closing price of the Company’s common stock is above $3.00 per share for 25 out
of 30 consecutive trading days with an average daily trading volume in excess of
250,000 shares, I may sell up to ten percent (10%) of the Restricted Shares in
every quarter that these conditions are met.

      

      (c) 
Notwithstanding the foregoing, if I am an individual, I may transfer any or all
of the Restricted Securities either during my lifetime or on my death by will or
intestacy to my immediate family or to a trust, beneficiaries of which are
exclusively me, a member or members of my immediate family; provided, however,
that in any such case it shall be a condition of the transfer that the
transferee execute an agreement stating that the transferee is receiving and
holding the Restricted Securities subject to the provisions of this Agreement,
and there shall be no further transfer of such Restricted Securities except in
accordance with this Agreement. For purposes of this paragraph, "immediate
family” shall mean spouse, lineal descendant, father, mother, brother or sister
of the transferor.

      

      
        
          
             

          

          
            -
19 -

            
              

            

          

          
             

          

        

      

      

      

      3. 
In addition, notwithstanding the foregoing, if I am a partnership, the
partnership may transfer any Restricted Securities to a partner of such
partnership or a retired partner of such partnership who retires after the date
hereof, or to the estate of any such partner or retired partner, and any partner
who is an individual may transfer Restricted Securities by gift, will or
intestate succession to his or her immediate family (as defined above) or
ancestors. If I am a corporation, the corporation may transfer Restricted
Securities to any shareholder of such corporation and any shareholder who is an
individual may transfer Restricted Securities by gift, will or intestate
succession to his or her immediate family (as defined above) or ancestors.
Notwithstanding anything else herein to the contrary, in an such case, it shall
be a condition to the transfer that the transferee execute an agreement stating
that the transferee is receiving and holding the Restricted Securities subject
to the provisions of this Agreement and there shall be no further transfer of
such Restricted Securities except in accordance with this
Agreement.

      

      4.  I recognize that
the offer of the Shares  in the Company was based upon my
representations and warranties contained above and hereby agree to indemnify the
Company and to hold it harmless against any and all liabilities, costs, or
expenses (including reasonable attorneys' fees) arising by reason of, or in
connection with, any misrepresentation or any breach of such warranties by the
undersigned, or arising as a result of the sale or distribution of the Shares by
me in violation of the Securities Act of 1933, as amended, or any other
applicable law. Further, in the event that any dispute were to arise in
connection with this Agreement or with the undersigned's investment in the
Company, I agree, prior to seeking any other relief at law or equity, to submit
the matter to binding arbitration in accordance with the rules of the American
Arbitration Association at a place to be designated by the Company.

      

       

      
        Very
truly yours,

        

        

        By:
______________________________________________

        Signature

         

        Print name of person or
entity

        

        ________________________________________________________

        Title of
signing entity

        

        Restricted
Securities subject to this Agreement:

        

        _________
shares of Across America Financial Services, Inc. (whose name is in process of
being changed to Omni Bio Pharmaceutical, Inc.)

         

        - 20 -

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