Document:

Mr. Jerry Fenstermaker
President & CEO
Freedom  Financial Group,  Inc.
3058 E Elm Street
Springfield, MO 65802

Dear Mr. Fenstermaker:

This agreement  ("Agreement")  sets forth the terms of the engagement by Freedom
Financial  Group,  Inc.  (the  "Company")  of Milestone  Advisors,  LLC ("MAL"),
pursuant to which MAL shall act as financial  advisor to the Company with regard
to the proposed private offering of debt and equity securities (the "Offering").
It is  acknowledged  that the Company is under no  obligation  to enter into any
transaction.

1. Scope of Services.  In connection  with the analysis and pursuit of exploring
the Company's  strategic  alternatives,  MAL will,  as the  Company's  financial
advisor  and  investment  banker,  work with the  Company  on one or more of the
following  activities,  as  requested  from  time to time by  management  of the
Company (hereinafter referred to as the "Advisory Services"):

(a) Evaluation of the Company, its current and historical financial condition,
franchise value, operations and projected results;

(b) Peer group performance comparisons and comparable company analyses;

(c) Advise on the transaction capacity, appropriate transaction structure and
pricing parameters for the Offering;

(d) Participation in: (i) discussions between the Company, its current
shareholders and
their representatives, and the potential debt and equity investors in the
Offering (the "Potential Investors"); (ii) "due diligence" discussions between
the Company and the Potential Investors; and (iii) negotiation of a letter of
intent, memorandum of understanding and/or definitive agreement with the
Potential Investors;

(e) Issue a fairness opinion to the Board of Directors of the Company, as to the
fairness of the Offering from a financial point of view ("Fairness Opinion")
within 45 days from the date the Company provides MAL with a completed set of
due diligence materials, MAL will either (i) issue the Fairness Opinion or (ii)
provide a summary response regarding its conclusion of the Offering;

(f) If appropriate, conduct presentations to the Company's Board of Directors
regarding the Offering and the Fairness Opinion; and

<PAGE>

                                                          Mr. Jerry Fenstermaker
                                                              September 24, 2004
                                                                          Page 2

(g) Such  other  financial  advisory  and  investment  banking  services  as are
customary  in  engagements  of  the  type  contemplated  hereby  and  as  may be
reasonably agreed upon by the Company and MAL.

2. Fees and Expenses

(a) MAL shall be paid a retainer fee of $25,000 ("Retainer Fee"), which shall be
 paid upon execution of the Agreement; and

(b) Upon MAL's issuance of the Fairness Opinion, MAL shall be paid a fairness
 opinion fee equal to $200,000 ("Fairness Opinion Fee");

(c) The Company will agree to reimburse MAL for reasonable out of pocket
 expenses, which may include but shall not be limited to costs of travel, meals
 and lodging, photocopying, telephone, facsimile and couriers, payable at the
 closing of the Offering, or if no Offering is consummated, at the time this
 Agreement is terminated.

3. Confidential  Review.  MAL and its agents and counsel will be accorded access
to and may examine documents, records and other materials and information of the
Company and its subsidiaries as MAL reasonably deems  appropriate to perform its
obligations  hereunder.  MAL  shall  keep all such  information,  to the  extent
confidential and proprietary to the Company,  confidential  except to the extent
disclosure is required by any judicial, administrative or self-regulatory agency
or organization.  The following  information shall not be deemed confidential or
proprietary:

(a) Information that at the time of disclosure, or after disclosure, is or
 subsequently becomes generally available to the public or within the industries
 in which the Company or MAL and its affiliates conduct business, other than as
 a result of a breach by MAL of its obligations under this Agreement;

(b) Information that prior to or at the time of disclosure by the Company, was
 already
 in the possession of MAL or its affiliates (provided that MAL or its
 affiliates, at the time of such disclosure was not subject to a non-disclosure
 obligation relating to such information including any non-disclosure obligation
 under applicable "Insider Trading" laws and regulations) or could have been
 developed by them from information then in their possession, by the application
 of other information or techniques in their possession or generally available
 to the public or available to them, other than from the Company or its agents;
(c) Information that at the time of disclosure or subsequent to disclosure, is
 obtained by MAL or its affiliates from a third party who is lawfully in
 possession of the information and who is not in violation of any contractual,
 legal or fiduciary obligation to the Company with respect to that information;
 or

(d) Information that is or was independently developed by MAL or its affiliates
 from information lawfully obtained by MAL or its affiliates from parties
 lawfully in possession of

<PAGE>

                                                          Mr. Jerry Fenstermaker
                                                              September 24, 2004
                                                                          Page 3

such  information  and  who are  not in  breach  of any  contractual,  legal  or
fiduciary obligation to the Company with respect to the information.

         The Company has furnished and will continue to furnish or cause to be
furnished to MAL such information as MAL believes appropriate to its assignment
(all information so furnished being the "Information"). The Company recognizes
and confirms that MAL: (a) will use and rely primarily on the Information and on
information available from generally recognized public sources in performing the
services contemplated by this Agreement without having independently verified
the same; (b) does not assume responsibility for the accuracy or completeness of
the Information and such other information; and (c) will not make an appraisal
of any assets or liabilities of the Company or any of their market competitors.

4. Term.  This Agreement and the retention of MAL hereunder shall remain in full
force and effect for twelve months from the date hereof and may be terminated by
the  Company or MAL at any time,  with or without  cause,  upon 30 days  written
notice to that effect to the other party,  without  further  obligation  to each
other,  except it is agreed that the  provisions  relating  to  indemnification,
limitation of liabilities,  contribution, settlement, the provisions relating to
the  payment  of fees and  expenses,  confidentiality,  the  status of MAL as an
independent  contractor,  the limitation on to whom MAL shall owe any duties and
the waiver of the right to trial by jury in this Agreement will survive any such
termination.

5.  Independent  Contractor.  The Company  acknowledges  and agrees that it is a
sophisticated  business  enterprise  and that MAL has been retained  pursuant to
this  Agreement  to provide  services to the Company  solely with respect to the
Offering. In such capacity, MAL shall act as an independent contractor,  and any
duties of MAL arising out of its engagement  pursuant to this Agreement shall be
contractual  in nature  and  shall be owed  solely to the  Company.  Each  party
disclaims any intention to impose any fiduciary duty on the either.

6. Indemnification, Contribution, and Limitation of Liability. The Company
agrees to indemnify MAL and its controlling persons, representatives and agents
in accordance with the indemnification provisions set forth in Appendix I, and
agrees to the other provisions of Appendix I, which is incorporated herein by
this reference, regardless of whether the proposed Acquisition Transaction is
consummated.

7.  Beneficiaries.  This Agreement shall inure to the sole and exclusive benefit
of MAL and the  Company  and the  persons  referred  to in  Appendix I and their
respective successors and representatives. The obligations and liabilities under
this Agreement shall be binding upon MAL and the Company.

8.  Amendments.  This  Agreement may be modified or amended,  or its  provisions
waived, only in writing signed by the person or persons against whom enforcement
of the modification, amendment or waiver is sought.

9. No Commitment. This Agreement does not and will not constitute any agreement,
commitment  or  undertaking,  express  or  implied  on  the  part  of MAL or any
affiliate to purchase or to sell any  securities or to provide any financing and
does not  ensure the  successful  arrangement  or  completion  of a  Acquisition
Transaction.

<PAGE>

                                                          Mr. Jerry Fenstermaker
                                                              September 24, 2004
                                                                          Page 4

10. Entire  Agreement.  This Agreement  constitutes the entire Agreement between
the parties  and  supersedes  and  cancels any and all prior or  contemporaneous
arrangements,  understandings  and  agreements,  written or oral,  between  them
relating to the subject matter hereof.

11.  Severability.  If any  portion  of  this  Agreement  shall  be held or made
unenforceable or invalid by a statute, rule, regulation,  decision of a tribunal
or otherwise,  the remainder of this Agreement shall not be affected thereby and
shall  remain  in full  force  and  effect,  and,  to the  fullest  extent,  the
provisions of the Agreement shall be severable.

12.  Governing Law; Waiver of Trial by Jury

     This Agreement, and the rights and obligations of the parties hereto, shall
be governed by and construed in accordance  with Delaware law (without regard to
any rules or principles of conflicts of law that might look to any  jurisdiction
outside  of the State of  Delaware).  Any  dispute  arising  hereunder  shall be
brought before a court in the State of Delaware.

     EACH OF THE  PARTIES HERETO (ON ITS OWN BEHALF AND, TO THE EXTENT PERMITTED
BY APPLICABLE LAW, ON BEHALF OF ITS STOCKHOLDERS AND INDEMNIFIED PARTIES) WAIVES
ALL RIGHT TO TRIAL BY JURY IN ANY ACTION,  PROCEEDING OR COUNTERACTION  (WHETHER
BASED UPON CONTRACT,  OR OTHERWISE)  RELATED TO OR ARISING OUT OF THE ENGAGEMENT
PURSUANT TO, OR THE PERFORMANCE OF THE SERVICES CONTEMPLATED BY, THIS AGREEMENT.

13. Waiver, Amendment and Modification; Headings

         No waiver, amendment or other modification of this Agreement shall be
effective unless signed in writing by each of the parties hereto. The headings
used herein are for ease of reference only and shall not be used to construe the
meaning of this Agreement.

<PAGE>

                                                          Mr. Jerry Fenstermaker
                                                              September 24, 2004
                                                                          Page 5

If the foregoing terms correctly set forth our agreement, please sign and return
to us a duplicate copy of this Agreement. We look forward to working with you
toward the successful conclusion of this engagement and developing a long term
relationship with the Company.

Very truly yours,

MILESTONE ADVISORS, LLC

By: /s/ Eugene S. Weil
   -------------------------------
   Eugene S. Weil
   Managing Director

                                             Confirmed and accepted as of this
                                             27th day of September, 2004:

                                             FREEDOM FINANCIAL GROUP, INC.

                                             By /s/ Jerry Fenstermaker
                                                --------------------------------
                                                Jerry Fenstermaker
                                                President & CEO

<PAGE>

                                                          Mr. Jerry Fenstermaker
                                                              September 24, 2004
                                                                          Page 6

                                   APPENDIX I

         The  Company  agrees  to  indemnify  and  hold  harmless  MAL  and  its
affiliates (as defined in Rule 405 under the Securities Act of 1933, as amended)
and their  respective  directors,  officers,  employees,  agents and controlling
persons (MAL and each such person being an "Indemnified Party") from and against
all losses, claims,  damages and liabilities (or actions,  including shareholder
actions, in respect thereof),  joint or several, to which such Indemnified Party
may become  subject  under any  applicable  federal or state law, or  otherwise,
which are  related  to or result  from the  performance  by MAL of the  services
contemplated  by or the  engagement of MAL pursuant to, this  Agreement and will
promptly reimburse any Indemnified Party for all reasonable  expenses (including
reasonable  counsel fees and expenses) as they are incurred in  connection  with
the investigation of,  preparation for or defense arising from any threatened or
pending claim,  whether or not such Indemnified  Party is a party and whether or
not such claim, action or proceeding is initiated or brought by the Company. The
Company  will  not be  liable  to any  Indemnified  Party  under  the  foregoing
indemnification  and  reimbursement  provisions,  (i) for any  settlement  by an
Indemnified  Party  effected  without  its  prior  written  consent  (not  to be
unreasonably  withheld);  or (ii) to the extent that any loss, claim,  damage or
liability is found in a final,  non-appealable  judgment by a court of competent
jurisdiction to have resulted  primarily from MAL's willful  misconduct or gross
negligence.  The Company  also agrees that no  Indemnified  Party shall have any
liability (whether direct or indirect,  in contract or tort or otherwise) to the
Company or its security  holders or  creditors  related to or arising out of the
engagement  of MAL  pursuant  to,  or  the  performance  by MAL of the  services
contemplated  by,  this  Agreement  except to the extent  that any loss,  claim,
damage or liability is found in a final,  non-appealable  judgment by a court of
competent  jurisdiction to have resulted primarily from MAL's willful misconduct
or gross  negligence.  Notwithstanding  the foregoing,  the Company shall not be
required by the  Agreement  to  indemnify  the  Indemnified  Party for any loss,
claims,   damage  or  liability  which  it  may  sustain  as  a  result  of  any
misstatements, misrepresentations by MAL or any failure to disclose any facts or
information by MAL in the performance of its services.

         Promptly  after  receipt  by an  Indemnified  Party  of  notice  of any
intention or threat to commence an action,  suit or  proceeding or notice of the
commencement of any action, suit or proceeding,  such Indemnified Party will, if
a claim in respect  thereof is to be made against the Company  pursuant  hereto,
promptly  notify the Company in writing of the same.  In case any such action is
brought against any Indemnified  Party and such  Indemnified  Party notifies the
Company of the commencement thereof, the Company may elect to assume the defense
thereof, with counsel reasonably  satisfactory to such Indemnified Party, and an
Indemnified  Party may employ  counsel to participate in the defense of any such
action provided, that the employment of such counsel shall be at the Indemnified
Party's  own  expense,  unless  (i) the  employment  of such  counsel  has  been
authorized in writing by the Company,  (ii) the Indemnified Party has reasonably
concluded (based upon advice of counsel to the Indemnified Party) that there may
be  legal  defenses  available  to it or  other  Indemnified  Parties  that  are
different  from or in  addition to those  available  to the  Company,  or that a
conflict  or  potential  conflict  exists  (based  upon advice of counsel to the
Indemnified  Party) between the Indemnified  Party and the Company that makes it
impossible or inadvisable for counsel to the  Indemnifying  Party to conduct the
defense of both the Company and the Indemnified Party (in which case the Company
will not have the right to direct the  defense  of such  action on behalf of the
Indemnified Party), or (iii) the Company has

<PAGE>

                                                          Mr. Jerry Fenstermaker
                                                              September 24, 2004
                                                                          Page 7

not in fact employed counsel reasonably satisfactory to the Indemnified Party to
assume the  defense of such  action  within a  reasonable  time after  receiving
notice of the action, suit or proceeding,  in each of which cases the reasonable
fees,  disbursements and other charges of such counsel will be at the expense of
the Company;  provided,  further, that in no event shall the Company be required
to pay  fees and  expenses  for more  than  one firm of  attorneys  representing
Indemnified  Parties  unless the defense of one  Indemnified  Party is unique or
separate  from that of another  Indemnified  Party  subject to the same claim or
action. Any failure or delay by an Indemnified Party to give the notice referred
to in this  paragraph  shall not affect  such  Indemnified  Party's  right to be
indemnified  hereunder,  except to the extent that such  failure or delay causes
actual harm to the  Company,  or  prejudices  its ability to defend such action,
suit or proceeding on behalf of such Indemnified Party.

         If the indemnification provided for in this Agreement is for any reason
held  unenforceable by an Indemnified Party, the Company agrees to contribute to
the losses,  claims,  damages and liabilities for which such  indemnification is
held  unenforceable  (i) in such  proportion  as is  appropriate  to reflect the
relative benefits to the Company, on the one hand, and MAL on the other hand, of
the transaction  contemplated by the Agreement whether or not the transaction is
consummated or, (ii) if (but only if) the allocation  provided for in clause (i)
is for any reason unenforceable, in such proportion as is appropriate to reflect
not only the relative  benefits  referred to in clause (i) but also the relative
fault of the Company, on the one hand and MAL, on the other hand, as well as any
other  relevant  equitable  considerations.  The  Company  agrees  that  for the
purposes of this  paragraph the relative  benefits to the Company and MAL of the
transaction as  contemplated  shall be deemed to be in the same  proportion that
the total value  received or  contemplated  to be received by the Company or its
shareholders,  as the case  may be,  as a result  of or in  connection  with the
transaction,  bear to the fees paid or to be paid to MAL under  this  Agreement.
Notwithstanding  the foregoing,  the Company expressly agrees that MAL shall not
be required to contribute  any amount in excess of the amount by which fees paid
MAL  hereunder  (excluding  reimbursable  expenses),  exceeds  the amount of any
damages which MAL has otherwise been required to pay.

         The Company agrees  that  without  MAL's prior  written consent,  which
shall not be unreasonably withheld, it will not settle, compromise or consent to
the  entry of any  judgment  in any  pending  or  threatened  claim,  action  or
proceeding  in  respect  of which  indemnification  could be  sought  under  the
indemnification  provisions  of  this  Agreement  (in  which  MAL or  any  other
Indemnified  Party is an  actual or  potential  party to such  claim,  action or
proceeding),   unless  such  settlement,   compromise  or  consent  includes  an
unconditional  release of each Indemnified  Party from all liability arising out
of such claim, action or proceeding.

         In the event that an  Indemnified  Party is  requested  or required  to
appear as a witness  in any action  brought  by or on behalf of or  against  the
Company in which such Indemnified Party is not named as a defendant, the Company
agrees to promptly reimburse MAL on a monthly basis for all expenses incurred by
it in connection with such Indemnified Party's appearing and preparing to appear
as such a  witness,  including,  without  limitation,  the  reasonable  fees and
disbursements of its legal counsel. In addition to any reimbursed fees, expenses
or costs  outlined  hereunder,  MAL shall also  receive  from the  Company  cash
compensation  of $2,000.00 per person,  per day, plus  reasonable  out-of-pocket
expenses and costs should MAL be required to provide  testimony in any formal or
informal proceeding regarding the Company.

<PAGE>

                                                          Mr. Jerry Fenstermaker
                                                              September 24, 2004
                                                                          Page 8

        If multiple claims are brought with respect to at least one of which
indemnification is permitted under applicable law and provided for under this
Agreement, the Company agrees that any judgment or arbitrate award shall be
conclusively deemed to be based on claims as to which indemnification is
permitted and provided for, except to the extent the judgment or arbitrate award
expressly states that it, or any portion thereof, is based solely on a claim as
to which indemnification is not available.UNANIMOUS WRITTEN CONSENT
               OF THE BOARD RESOLUTION OF FREEDOM FINANCIAL, INC.

The undersigned,  being all of the directors of Freedom  Financial,  Inc. and as
expressly  authorized by Sec. 141(f) of the Delaware  General  Corporation  Law,
hereby unanimously adopt the following resolutions:

                 WHEREAS,  upon  emerging  from  Bankruptcy   proceedings,   the
corporation  shall  issue a total of  10,000,000  shares  of its  common  stock,
pursuant to a confirmed Plan of Reorganization; and,

                 WHEREAS,  the Board of Directors in accordance with Section 6.5
of the confirmed Plan of  Reorganization  and prior  agreements  with members of
management, deems it in the best interest of the corporation that key management
personnel be granted shares of stock in the  corporation,  subject to forfeiture
for early termination,  as an incentive to encourage such persons to remain with
the corporation,

                 Now Therefore, the following resolutions creating a stock bonus
plan for the persons named herein, are unanimously adopted:

         RESOLVED, that a stock bonus of  commons  shares  of  the Corporation's
stock be granted to Jerry Fenstermaker, Dan  Graham, and Jim Browne, hereinafter
collectively  referred to as  "Management  Shareholders," or  individually as "a
Shareholder" subject to the terms hereof, as follows:

         1.      700,000  shares of  Common  Stock in the  Corporation  shall be
                 issued to Jerry  Fenstermaker,  representing seven percent (7%)
                 of the Common Stock being issued pursuant to the Plan.

         2.      200,000  shares of Common  Stock  shall be issued to Dan Graham
                 representing  two percent  (2%) the Common  Stock being  issued
                 pursuant to the Plan.

         3.      70,000  shares of Common  Stock  shall be issued to Jim  Browne
                 representing  seven  tenths of one  percent  (0.7%)  the Common
                 Stock being issued pursuant to the Plan.

         4.      The  Corporation  shall be responsible  for all withholding and
                 other employment taxes, if any, due to any tax authority.

         5.      If a  Management  Shareholder  makes an  election  pursuant  to
                 Section 83(b) of the Internal Revenue Code of 1986, as amended,
                 such Shareholder shall notify the Corporation in writing at the
                 time the election is made.

         6.      If any  Management  Shareholder is terminated  from  employment
                 without  good  cause  shown,  then with  respect  to any vested
                 Shares owned by such  Shareholder,  he shall have the option to

<PAGE>

                 sell all, or any part, of his vested Shares to the  Corporation
                 for  ninety  percent  (90%)  of the  fair  market  value of the
                 shares.  If the parties  cannot  agree upon fair market  value,
                 then an appraiser shall be appointed to determine such value.

                 The put option must be exercised within 90 days of date of
                 termination of employment or such option will lapse. Payment
                 will be made by the corporation, against delivery of duly
                 endorsed shares, free and clear of all liens and encumbrances,
                 as follows:

                 a.  If the purchase  price is less than  $100,000,  it shall be
                     paid in cash in full at closing.

                 b.  If the  purchase  price  is over  $100,000  but  less  than
                     $500,000,  the greater of $100,000 or 1/3 of the amount due
                     shall be paid in cash at  closing  with the  balance  being
                     paid in two further equal annual  installment  of principal
                     with interest thereon at 9% per annum.

                 c.  If the  purchase  price is over  $500,000,  the  greater of
                     $250,000  or 1/4 of the amount due shall be paid in cash at
                     closing  with the balance  being paid in three equal annual
                     installments  of principal with interest  thereon at 9% per
                     annum.

         7.      Upon the death or disability of a Shareholder,

                 a.  All shares owned by such Shareholder  shall be deemed fully
                     vested  and no longer  subject to  forfeiture  as set forth
                     below.

                 b.  The put option to sell shares to the  Corporation  shall be
                     set at 100% of fair market value.

                 c.  Notice of exercise of the put option  shall be given to the
                     Corporation by the person designated below no later than 90
                     days after the first to occur of:

                      i.   The  appointment  of a  personal  representative,  in
                           event of  death,  or  guardian  in the event of legal
                           incompetency.

                      ii.  The termination of employment due to disability

                      iii. If no will has been filed in probate court within six
                           months of the date of death,  then the  option may be
                           exercised by the surviving spouse, and if there is no
                           surviving   spouse,   by  the  then   living   lineal
                           descendants of the deceased, and if none, by the laws
                           of descent  and  distribution  in the state where the
                           decedent is domiciled at the time of his death.

<PAGE>

         8.      If any of the Management  Shareholders  voluntarily  resigns or
                 terminates  his  employment,  or is  terminated  for good cause
                 shown ("Withdrawal Event"), then the following shall apply:

                 a.  If the Withdrawal Event occurs prior to September 14, 2003,
                     the  Shareholder  will forfeit all of the shares  issued to
                     him by the Company,  and  forthwith  endorse and  surrender
                     such shares.

                 b.  If the  Withdrawal  Event occurs on or after  September 14,
                     2003,  and prior to and including  September 13, 2004,  the
                     Shareholder will forfeit  Seventy-five percent (75%) of the
                     shares issued to him by the Company,  and forthwith endorse
                     and surrender such shares.

                 c.  If the  Withdrawal  Event occurs on or after  September 14,
                     2004,  and prior to and including  September 13, 2005,  the
                     Shareholder  will forfeit Fifty percent (50%) of all shares
                     of stock issued to him.

                 d.  If the  Withdrawal  Event occurs on or after  September 14,
                     2005,  and prior to and including  September 13, 2006,  the
                     Shareholder  will forfeit  Twenty Five percent (25%) of all
                     shares of stock issued to him.

                 e.  If the  Withdrawal  Event occurs on or after  September 14,
                     2006, there shall be no forfeiture.

         9.      Upon a Withdrawal  Event as above,  Shareholder  shall have the
                 right to exercise a put option as described  above in at 90% of
                 fair market value.

         10.     The shares  granted under this  Resolution  shall be subject to
                 appropriate  anti- dilution  adjustment in the event of a stock
                 split, stock dividend, recapitalization, merger, or conversion.

         RESOLVED FURTHER,

                 That the Management Shareholders shall also enjoy the
following additional rights:

<PAGE>

         1.      In the event that  additional  common  shares are issued by the
                 Corporation  in exchange  for any valuable  consideration,  the
                 Management Shareholders,  shall receive, as a bonus, the number
                 of  shares  each  which  would  have  received  if they had the
                 pre-emptive right to subscribe for and receive shares.

         2.      In the event that any preferred  shares are converted to common
                 shares, then each of the Management Shareholders shall receive,
                 as a bonus, a number of common shares necessary to maintain the
                 same  voting  percentage  of the common  class of stock as such
                 manager  possessed  prior to the conversion of some part or all
                 of the preferred stock.

         3.      The  Corporation  agrees to take such  steps as are  necessary,
                 including amending its Certificate of Incorporation, to provide
                 a  reserve  of  that  number  of  common  shares  necessary  to
                 accomplish the purposes stated herein.

         RESOLVED FURTHER, that any Employment Agreement between the Corporation
and any Management Shareholders is hereby modified to include the provisions of
these Resolutions, and all provisions of any other agreements between the
Corporation and any Management Shareholder concerning issuance of shares of
Common Stock in the Corporation to the Management Shareholder are hereby amended
and modified in accordance herewith.

         RESOLVED FURTHER, that each Management Shareholder, in order to receive
the benefit of the plan established by these Resolutions, shall execute a copy
of these Resolutions, thereby acknowledging the amendment of any Employment, or
other, Agreement which said Shareholder may have with the Corporation, and
agreeing to be bound by the terms of these Resolutions.

         In witness whereof, the following directors and individuals have set
their hands on the dates herein stated.

/s/ Jerry Fenstermaker                      /s/ Jerry Fenstermaker
-----------------------------               ---------------------------------
Jerry Fenstermaker, Director                Jerry Fenstermaker, An Individual

Dated:  2/19/03                             Dated:
      -----------------------                     ---------------------------
/s/ Gary Lipscomb                           /s/ Dan Graham
-----------------------------               ---------------------------------
Gary Lipscomb, Director                     Dan Graham, An Individual

Dated:  2/19/03                             Dated:  2/19/03
      -----------------------                     ---------------------------

/s/ Vern Schweigert                         /s/ Jim Browne
-----------------------------               ---------------------------------
Vern Schweigert, Director                   Jim Browne, An Individual

Dated:  2/19/03                             Dated:  3/3/03
      -----------------------                     ---------------------------

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