Document:

Freedom
        Financial Holdings, Inc

    

     

    Second
      Amended and Restated Official Offer to Purchase Real
      Estate

     

    Freedom
      Financial Holdings, Inc. (“FFH”) (Buyer) does hereby offer to acquire the real
      property from Robert W. Carteaux (“Carteaux”) and Stanley P. Lipp (“Lipp”) dba
      Carteaux/Lipp Realty (Seller) located at 6615 Brotherhood Way, Fort Wayne,
      Indiana 46825, pursuant to the following terms:

    

    1.
      Purchase Price. The purchase price shall be the sum of seven hundred thousand
      dollars ($700,000) in cash at closing in addition to the Preferred Stock and
      Warrants set forth in Paragraphs 2 and 3, below.

    

    2.
      Preferred Stock. FFH shall provide Class C Convertible Preferred Stock in the
      amount of three hundred thousand (300,000) shares (the “Shares”). Each Share
      will be valued at Two Dollars ($2.00) at issuance. The rights and preferences
      of
      the Class C Shares are attached hereto as Exhibit A. The Shares will be issued
      as follows: one hundred fifty thousand (150,000) issued to Carteaux and one
      hundred fifty thousand (150,000) issued to Lipp and will be subject to the
      following:

    

    a.
      The
      Shares shall be convertible into common stock of FFH at 85% of the price set
      forth in FFH’s initial public offering (“Conversion Price”); 

    

    b.
      Conversion into common stock at the Conversion Price shall be automatic as
      of
      the date the Corporation files an initial registration statement (“Initial
      Registration Statement”) under the Securities Act of 1933. 

    

    c.
      The
      Class C Preferred Stock shall receive dividends, as stated in Exhibit A, if
      not
      converted into common stock. 

     

    3.
      Warrants. Warrants to acquire shares of common stock of FFH, in an amount equal
      to 150% of the number of shares the Class C Preferred Shares could be converted
      into as of the closing date of the initial public offering and shall be granted
      at the price set forth in FFH’s initial public offering of stock (the “IPO
      Price”); provided, however, the Warrants are not exercised for a period on one
      (1) year from the close of the initial public offering. Warrants shall expire
      five (5) years from the close of the initial public offering. The Common Stock
      Warrant Agreements for Carteaux and Lipp are attached hereto as Exhibits B
      and
      C, respectively.

    

    4.
      Registration Rights. Piggyback registration rights for the shares of common
      stock into which the Preferred Stock can be converted and the common stock
      underlying the Warrants shall be granted to the extent of any secondary offering
      registered with the SEC. The Registration Rights Agreements for Carteaux and
      Lipp are attached hereto as Exhibits D and E, respectively.

     

    
      421
        East Cook Road, Suite 200, Fort Wayne, IN 46825

      Phone:
        260-490-5323* Fax 260-490-5004

       

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    Freedom
      Financial Holdings, Inc

    
      	
            	5.	
              Taxes
                and Rents. All property taxes and rents will be pro-rated as of the
                day of
                closing.

            

    

    

    
      	 	
              6.

            	
              Financing
                is to be handled by Tower bank under the terms set forth by Tower
                in the
                commitment letter attached.

            

    

    

    
      	 	
              7.

            	
              All
                costs for inspections and appraisal required by the bank for financing
                will be paid for by buyer.

            

    

    

    
      	 	
              8.

            	
              Possession
                will take place on the day of
                closing.

            

    

    

    
      	 	
              9.

            	
              Sellers
                will provide clear title as required by
                law.

            

    

    

    This
      Amended and Restated Offer is made January 9, 2007 by:

     

    
      	 	 	 	 
	
              //ss//

            	 	 	
            
	
              

              Brian
                Kistler CEO, Freedom Financial 
Holdings, Inc

            	 	 	
            

    

    

    I
      hereby
      agree and accept the terms as written above January 9, 2007:

     

    
      
        	 	 	 	 
	
                //ss//

              	 	 	
              
	
                

                Stanley
                  P. Lipp

              	 	 	
              

      

      
         

        
          	 	 	 	 
	
                  //ss//

                	 	 	
                
	
                  

                  Robert
                    W. Carteaux

                	 	 	
                

        

        
421
          East Cook Road, Suite 200, Fort Wayne, IN
          46825

      

    

    
      Phone:
        260-490-5323* Fax 260-490-5004Registration
      Rights Agreement

    Class
      C Convertible Preferred

     

    THIS
      REGISTRATION RIGHTS AGREEMENT is made as of the 30th day of September 2006
      by
      and between Freedom Financial Holdings, Inc. (the “Company”), a corporation
      organized and existing under the laws of the State of Maryland having its
      principal place of business at Fort Wayne, Indiana and Robert W. Carteaux,
      an
      individual who is referred to as the "Holder." 

    

    In
      consideration of the sale by the Holder of the real property located at
6615
      Brotherhood Way, Fort Wayne, Indiana 46825, the Company will issue:
      (i)
      three hundred thousand (300,000) shares of the Corporation's Class C Preferred
      Stock, $.001 par value, issued at a value of one dollar per share ($1.00),
      convertible to common stock, $.0001 par value in the aggregate; and (ii)
      warrants to acquire shares of common stock of the Company issued pursuant to
      a
      Common Stock Warrant Agreement entered into by the Company and Holder on
      September 30, 2006, (the common stock that the Class C Preferred Stock and
      the
      Warrants are convertible into are herein referred to as the “Shares”), the
      parties agree as follows:

    

    1.
       Definitions.
      For
      purposes of this Agreement:

    

    (a)
      The
      term "Act" means the Securities Act of 1933, as amended, together with all
      applicable regulations of the United States Securities and Exchange Commission
      ("SEC") promulgated thereunder.

    

    (b)
      The
      term "register," "registered," and "registration" refer to a registration
      effected by preparing and filing a registration statement or similar document
      in
      compliance with the Securities Act of 1933, as amended, and the declaration
      or
      ordering of effectiveness of such registration statement or
      document.

    

    (c)
      The
      term "Registerable Securities" means: (1) the Shares, which includes the common
      stock which the Class C Preferred stock is convertible into as well as the
      common stock which underlies the warrants issued pursuant to the Common Stock
      Warrant Agreement referred to above; and (2) any Common Stock, $.0001 par value,
      of the Corporation issued as (or issuable upon the conversion or exercise of
      any
      warrant, right, or other security which is issued as) a dividend or other
      distribution with respect to, or in exchange for or in replacement of, any
      and
      all shares of the Corporation's preferred stock or debt instrument convertible
      by its terms into shares of the Corporation's Common Stock, $.0001 par value,
      now or hereafter owned by the Holders, excluding in all cases, however, any
      Registerable Securities sold by a person in a transaction in which his or her
      rights under this Agreement are not assigned.

    

    (d)
      The
      number of shares of "Registerable Securities then outstanding" shall be
      determined by the number of shares of Common Stock outstanding which are, and
      the number of shares of Common Stock issuable pursuant to then exercisable
      or
      convertible securities which are, Registerable Securities.

    

    
      
         

      

      
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    (e)
      The
      term "Holder" means any person owning or having the right to acquire
      Registerable Securities or any assignee thereof in accordance with Section
      11 of
      this Agreement.

    

    2.
       Incidental
      or "Piggyback" Registration.

    

    If
      (but
      without any obligation to do so) the Corporation proposes to register (including
      for this purpose a registration effected by the Corporation for shareholders
      other than the Holders) any of its Common Stock or other securities under the
      Act in connection with the public offering of such securities solely for cash
      (other than a registration relating to the sale of securities to participants
      in
      a Corporation stock option, stock purchase or similar plan, or a registration
      on
      any form which does not include substantially the same information as would
      be
      required to be included in a registration statement covering the sale of the
      Registerable Securities), the Corporation shall, at that time, cause to be
      registered under the Act all of the Registerable Securities that each such
      Holder is entitled to have registered pursuant to this Registration Rights
      Agreement, the Common Stock Warrant Agreement, and the Amended and Restated
      Building Purchase Agreement between the Company and Holder. 

    

    3.
       Obligations
      of the Corporation.

    

    Whenever
      required under this Agreement to effect the registration of any Registerable
      Securities, the Corporation shall, as expeditiously as reasonably
      possible:

    

    (a)
      Prepare and file with the SEC a registration statement with respect to such
      Registerable Securities and use its best efforts to cause such registration
      statement to become effective, and, upon the request of the Holders of a
      majority of the Registerable Securities registered thereunder, keep such
      registration statement effective for up to 180 days.

    

    (b)
      Prepare and file with the SEC such amendments and supplements to such
      registration statement and the prospectus used in connection with such
      registration statement as may be necessary to comply with the provisions of
      the
      Act with respect to the disposition of all securities covered by such
      registration statement.

    

    (c)
      Furnish to the Holders such numbers of copies of a prospectus, including a
      preliminary prospectus, in conformity with the requirements of the Act, and
      such
      other documents as they may reasonably request in order to facilitate the
      disposition of Registerable Securities owned by them.

    

    (d)
      Use
      its best efforts to register and qualify the securities covered by such
      registration statement under such other securities or Blue Sky laws of such
      jurisdictions as shall be reasonably requested by the Holders, provided that
      the
      Corporation shall not be required in connection therewith or as a condition
      thereto to qualify to do business or to file a general consent to service of
      process in any such states or jurisdictions.

    

    (e)
      In
      the event of any underwritten public offering, enter into and perform its
      obligations under an underwriting agreement, in usual and customary form, with
      the managing underwriter of such offering. Each Holder participating in such
      underwriting shall also enter into and perform its obligations under such an
      agreement.

    

    
      
         

      

      
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    (f)
      Notify each Holder of Registerable Securities covered by such registration
      statement at any time when a prospectus relating thereto is required to be
      delivered under the Act of the happening of any event as a result of which
      the
      prospectus included in such registration statement, as then in effect, includes
      an untrue statement of a material fact or omits to state a material fact
      required to be stated therein or necessary to make the statements therein not
      misleading in the light of the circumstances then existing.

    

    (g)
      Furnish, at the request of any Holder requesting registration of Registerable
      Securities pursuant to this Agreement, on the date that such Registerable
      Securities are delivered to the underwriters for sale in connection with a
      registration pursuant to this Agreement, if such securities are being sold
      through underwriters, or, if such securities are not being sold through
      underwriters, on the date that the registration statement with respect to such
      securities becomes effective: (i) an opinion, dated such date, of the counsel
      representing the Corporation for the purposes of such registration, in form
      and
      substance as is customarily given to underwriters in an underwritten public
      offering, addressed to the underwriters, if any, and to the Holders requesting
      registration of Registerable Securities, and (ii) a letter dated such date,
      from
      the independent certified public accountants of the Corporation, in form and
      substance as is customarily given by independent certified public accountants
      to
      underwriters in an underwritten public offering, addressed to the underwriters,
      if any, and to the Holder requesting registration of Registerable
      Securities.

    

    4.
       Furnish
      Information.

    

    It
      shall
      be a condition precedent to the obligations of the Corporation to take any
      action pursuant to this Agreement with respect to the Registerable Securities
      of
      any selling Holder that such Holder shall furnish to the Corporation such
      information regarding itself, the Registerable Securities held by it, and the
      intended method of disposition of such securities as shall be required to effect
      the registration of such Holder's Registerable Securities.

    

    5.
       Expenses
      of Incidental or "Piggyback" Registration.

    

    The
      Corporation shall bear and pay all expenses incurred in connection with any
      registration, filing or qualification of Registerable Securities with respect
      to
      the registrations pursuant to Section 2 for each Holder (which right may be
      assigned as provided in Section 11), including without limitation all
      registration, filing, and qualification fees, printers and accounting fees
      relating or apportionable thereto and the fees and disbursements of one counsel
      for the selling Holders selected by them, but excluding underwriting discounts
      and commissions relating to Registerable Securities.

    

    6.
       Underwriting
      Requirements.

    

    
      
         

      

      
        3

        
          

        

      

      
         

      

    

    In
      connection with any offering involving an underwriting of shares being issued
      by
      the Corporation, the Corporation shall not be required under Section 2 to
      include any of the Holders' securities in such underwriting unless they accept
      the terms of the underwriting as agreed upon between the Corporation and the
      underwriters selected by it, and then only in such quantity as will not, in
      the
      opinion of the underwriters, jeopardize the success of the offering by the
      Corporation. If the total amount of securities, including Registerable
      Securities, requested by Holders to be included in such offering exceeds the
      amount of securities sold other than by the Corporation that the underwriters
      reasonably believe compatible with the success of the offering, then the
      Corporation shall be required to include in the offering only that number of
      such securities, including Registerable Securities, which the underwriters
      believe will not jeopardize the success of the offering (the securities so
      included to be apportioned pro rata among the selling Holders according to
      the
      total amount of securities entitled to be included therein owned by each selling
      Holder or in such other proportions as shall mutually be agreed to by such
      selling Holders) but in no event shall: (i) the amount of securities of the
      selling Holders included in the offering be reduced below 50% of the total
      amount of securities included in such offering, unless such offering is the
      initial public offering of the Corporation's securities, in which case the
      selling Holders may be excluded if the underwriters make the determination
      described above and no other Holder's securities are included. For purposes
      of
      the preceding parenthetical concerning apportionment, for any selling Holder
      which is a partnership or corporation, the partners, retired partners and
      shareholders of such Holder, or the estates and family members of any such
      partners and retired partners and any trusts for the benefit of any of the
      foregoing persons shall be deemed to be a single "selling Holder," and any
      pro
      rata reduction with respect to such "selling Holder" shall be based upon the
      aggregate amount of shares carrying registration rights owned by all entities
      and individuals included in such "selling Holder," as defined in this
      sentence.

    

    7.
       Delay
      of Registration.

    

    No
      Holder
      shall have any right to obtain or seek an injunction restraining or otherwise
      delaying any such registration as the result of any controversy that might
      arise
      with respect to the interpretation or implementation of this
      Agreement.

    

    8.
       Indemnification.

    

    In
      the
      event any Registerable Securities are included in a registration statement
      under
      this Agreement:

    

    (a)
      To
      the extent permitted by law, the Corporation will indemnify and hold harmless
      each Holder, any underwriters (as defined in the Act) for such Holder and each
      person, if any, who controls such Holder or underwriters within the meaning
      of
      the Act or the Securities Exchange Act of 1934, as amended (the "1934 Act"),
      against any losses, claims, damages, or liabilities (joint or several) to which
      they may become subject under the Act, the 1934 Act or other federal or state
      law, insofar as such losses, claims, damages, or liabilities (or actions in
      respect thereof) arise out of or are based upon any of the following statements,
      omissions or violations (collectively Violation): (i) any untrue statement
      or
      alleged untrue statement of a material fact contained in such registration
      statement, including any preliminary prospectus or final prospectus contained
      therein or any amendments or supplements thereto, (ii) the omission or alleged
      omission to state therein a material fact required to be stated therein, or
      necessary to make the statements therein not misleading, or (iii) any violation
      or alleged violation by the Corporation of the Act, the 1934 Act, any state
      securities law or any rule or regulation promulgated under the act, the 1934
      Act
      or any state securities law; and the Corporation will pay as incurred to each
      such Holder, underwriter or controlling person, any legal or other expenses
      reasonably incurred by them in connection with investigating or defending any
      such loss, claim, damage, liability or action; provided, however, that the
      indemnity agreement contained in this subsection 8(a) shall not apply to amounts
      paid in settlement of any such loss, claim, damage, liability or action if
      such
      settlement is effected without the consent of the Corporation (which consent
      shall not be unreasonably withheld), nor shall the Corporation be liable in
      any
      such case for any such loss, claim, damage, liability or action to the extent
      that it arises out of or is based upon a Violation which occurs in reliance
      upon
      and in conformity with written information furnished expressly for use in
      connection with such registration by any such Holder, underwriter or controlling
      person.

    

    
      
         

      

      
        4

        
          

        

      

      
         

      

    

    (b)
      To
      the extent permitted by law, each selling Holder will indemnify and hold
      harmless the Corporation, each of its directors, each of its officers who has
      signed the registration statement, each person, if any, who controls the
      Corporation within the meaning of the Act, any underwriter, any other Holder
      selling securities in such registration statement and any controlling person
      of
      any such underwriter or other Holder, against any losses, claims, damages, or
      liabilities (joint or several) to which any of the foregoing persons may become
      subject, under the Act, the 1934 Act or other federal or state law, insofar
      as
      such losses, claims, damages, or liabilities (or actions in respect thereto)
      arise out of or are based upon any Violation, in each case to the extent (and
      only to the extent) that such Violation occurs in reliance upon and in
      conformity with written information furnished by such Holder expressly for
      use
      in connection with such registration; and each such Holder will pay, as
      incurred, any legal or other expenses reasonably incurred by any person intended
      to be indemnified pursuant to this subsection 8(b), in connection with
      investigating or defending any such loss, claim, damage, liability or action;
      provided, however, that the indemnity agreement contained in this subsection
      8(b) shall not apply to amounts paid in settlement of any such loss, claim,
      damage, liability or action if such settlement is effected without the consent
      of the Holder, which consent shall not be unreasonably withheld; provided that
      in no event shall any indemnity under this subsection 8(b) exceed the gross
      proceeds from the offering received by such Holder.

    

    (c)
      Promptly after receipt by an indemnified party under this Section 8 of notice
      of
      the commencement of any action (including any governmental action), such
      indemnified party will, if a claim in respect thereof is to be made against
      any
      indemnifying party under this Section 10, deliver to the indemnifying party
      a
      written notice of the commencement thereof and the indemnifying party shall
      have
      the right to participate in, and, to the extent the indemnifying party so
      desires, jointly with any other indemnifying party similarly noticed, to assume
      the defense thereof with counsel mutually satisfactory to the parties; provided,
      however, that an indemnified party shall have the right to retain its own
      counsel, with the fees and expenses to be paid by the indemnifying party, if
      representation of such indemnified party by the counsel retained by the
      indemnifying party would be inappropriate due to actual or potential differing
      interests between such indemnified party and any other party represented by
      such
      counsel in such proceeding. The failure to deliver written notice to the
      indemnifying party within a reasonable time of the commencement of any such
      action, if prejudicial to its ability to defend such action, shall relieve
      such
      indemnifying party of any liability to the indemnified party under this Section
      10, but the omission so to deliver written notice to the indemnifying party
      will
      not relieve it of any liability that it may have to any indemnified party
      otherwise than under this Section 10.

    

    
      
         

      

      
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    (d)
      The
      obligations of the Corporation and Holders under this Section 10 shall survive
      the completion of any offering of Registerable Securities in a registration
      statement under this Agreement, and otherwise.

    

    9.  Reports
      Under Securities Exchange Act of 1934.

    

    With
      a
      view to making available to the Holders the benefits of Rule 144 promulgated
      under the Act and any other rule or regulation of the SEC that may at any time
      permit a Holder to sell securities of the Corporation to the public without
      registration the Corporation agrees to:

    

    (a)
      Make
      and keep public information available, as those terms are understood and defined
      in SEC Rule 144, at all times after 180 days after the effective date of the
      first registration statement filed by the Corporation for the offering of its
      securities to the general public;

    

    (b)
      File
      with the SEC in a timely manner all reports and other documents required of
      the
      Corporation under the Act and the 1934 Act; and

    

    (c)
      Furnish to any Holder, so long as the Holder owns any Registerable Securities,
      forthwith upon request: (i) a written statement by the Corporation that it
      has
      complied with the reporting requirements of SEC Rule 144 (at any time after
      180
      days after the effective date of the first registration statement filed by
      the
      Corporation), the Act and the 1934 Act (at any time after it has become subject
      to such reporting requirements), (ii) a copy of the most recent annual or
      quarterly report of the Corporation and such other reports and documents so
      filed by the Corporation, and (iii) such other information as may be reasonable
      requested in availing any Holder of any rule or regulation of the SEC which
      permits the selling of any such securities without registration or pursuant
      to
      such form.

    

    10.
       Assignment
      of Registration Rights.

    

    The
      rights to cause the Corporation to register Registerable Securities pursuant
      to
      this Agreement may be assigned by a Holder to a transferee or assignee of at
      least 10,000 shares of such securities provided the Corporation is, within
      a
      reasonable time after such transfer, furnished with written notice of the name
      and address of such transferee or assignee and the securities with respect
      to
      which such registration rights are being assigned; and provided, further, that
      such assignment shall be effective only if immediately following such transfer
      the further disposition of such securities by the transferee or assignees
      restricted under the Act. The foregoing 10,000 share limitation shall not apply,
      however, to transfers by a Holder to shareholders or partners of such Holder
      if
      all such transferees or assignees agree in writing to appoint a single
      representative as their attorney in fact for the purpose of receiving any
      notices and exercising their rights under this Agreement.

    

    
      
         

      

      
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    11.  "Market
      Stand-Off" Agreement.

    

    Each
      Holder hereby agrees that during the 90-day period following the effective
      date
      of a registration statement of the Corporation filed under the Act, it shall
      not, to the extent requested by the Corporation and such underwriter, sell
      or
      otherwise transfer or dispose of (other than to donees who agree to be similarly
      bound) any Common Stock of the Corporation held by it at any time during such
      period except Common Stock included in such registration; provided, however,
      that:

    

    (a)
      Such
      agreement shall be applicable only to the first such registration statement
      of
      the Corporation which covers Common Stock (or other securities) to be sold
      on
      its behalf to the public in an underwritten offering; and

    

    (b)
      All
      officers and directors of the Corporation and all other persons with
      registration rights (whether or not pursuant to this Agreement) enter into
      similar agreements.

    

    Additionally,
      Each Holder hereby agrees that that for a
      period
      of up to 120 days after the Closing Date of the registration statement on Form
      SB-2 relating to the public offering, each Holder will not, directly or
      indirectly, offer, sell, grant any options to purchase, or otherwise dispose
      of
      any shares of Company Common Stock without prior written consent, except as
      follows:

    

    (a)
      After
      the
      60 day period from the Closing Date, each Holder may offer and sell an aggregate
      of one-third of the Shares, subject to paragraph (d) below, provided that any
      such shares so sold are sold for a price not less than 135 percent of the
      initial public offering price;

    

    (b)
      After
      the
      90 day period from the Closing Date, each Holder may offer and sell up to
      two-thirds of the Shares, subject to paragraph (d) below, provided that any
      such
      shares so sold are sold for a price not less than 135 percent of the initial
      public offering price; 

    

    (c)
      After
      the
      120 day period from the Closing Date, each Holder may offer and sell all of
      the
      Shares, subject to paragraph (d) below, provided that any such shares so sold
      are sold for a price not less than 135 percent of the initial public offering
      price; and

    

    (d)
      Each
      Holder may transfer any number of such shares to my children, by gift or
      otherwise, provided that any such shares will continue to be subject to the
      restrictions set forth in this letter. 

    

    In
      order
      to enforce the foregoing covenants, the Corporation may impose stop transfer
      instructions with respect to the Registerable Securities of each Holder (and
      the
      shares or securities of ever other person subject to the foregoing restriction)
      until the end of such period.

    

    
      
         

      

      
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    12.
       Amendment
      of Registration Rights.

    

    Any
      provision of this Agreement may be amended and the observance thereof may be
      waived (either generally or in a particular instance and either retroactively
      or
      prospectively), only with the written consent of the Corporation and the Holders
      of a majority of the Registerable Securities then outstanding. Any amendment
      or
      waiver effected in accordance with this paragraph shall be binding upon each
      Holder of any securities purchased under this Agreement at the time outstanding
      (including securities into which such securities are convertible), each future
      Holder of all such securities, and the Corporation.

    

    13.
       Termination
      of Registration Rights.

    

    No
      Holder
      shall be entitled to exercise any right provided for in this Agreement after
      three (3) years following the consummation of the sale of securities pursuant
      to
      a registration statement filed by the Corporation under the Act in connection
      with the initial firm commitment underwritten offering of its securities to
      the
      general public.

    

    14.  Termination
      of Prior Registration Rights.

    

    Any
      and
      all prior registration rights granted to any party hereto are hereby terminated
      in their entirety and are replaced in their entirety with the rights contained
      in this Agreement, effective on the date hereof. The provisions of this Section
      14 shall be effective as to and as against all Holders of Registerable
      Securities as defined herein.

    

    15.
       Miscellaneous.

    

    (a)
      Transfer; Successors and Assigns. The terms and conditions of this Agreement
      shall inure to the benefit of and be binding upon the respective successors
      and
      assigns of the parties. Nothing in this Agreement, express or implied, is
      intended to confer upon any party other than the parties hereto or their
      respective successors and assigns any rights, remedies, obligations, or
      liabilities under or by reason of this Agreement, except as expressly provided
      in this Agreement.

    

    (b)
      Governing Law. This Agreement shall be governed by and construed under the
      laws
      of the State of Indiana as applied to agreements among Indiana residents entered
      into and to be performed entirely within the State of Indiana.

    

    (c)
      Counterparts. This Agreement may be executed in two or more counterparts, each
      of which shall be deemed an original, but all of which together shall constitute
      one and the same instrument.

    

    (d)
      Titles and Subtitles. The titles and subtitles used in this Agreement are used
      for convenience only and are not to be considered in construing or interpreting
      this Agreement.

    

    (e)
      Notices. Unless otherwise provided, any notice required or permitted under
      this
      Agreement shall be given in writing and shall be deemed effectively given upon
      personal delivery to the party to be notified or upon deposit with the United
      States Post Office, by registered or certified mail, postage prepaid and
      addressed to the party to be notified at the address indicated for such party
      on
      the signature page hereof, or at such other address as such party may designate
      by 20 days’ advance written notice to the other parties.

    

    
      
         

      

      
        8

        
          

        

      

      
         

      

    

    (f)
      Amendments and Waivers. Other than as provided in Section 16 above, any term
      of
      this Agreement may be amended and the observance of any term of this Agreement
      my be waived either generally or in a particular instance and either
      retroactively or prospectively), only with the written consent of the
      Corporation and the Holders of a majority of the then outstanding Shares or
      Registerable Securities issued hereunder. Any amendment or waiver affected
      in
      accordance with this Section shall be binding upon each transferee of any Share
      or Registerable Securities, each future Holder of all such securities, and
      the
      Corporation.

    

    (g)
      Severability. If one or more provisions of this Agreement are held to be
      unenforceable under applicable law, such provision shall be excluded from this
      Agreement and the balance of the Agreement shall be interpreted as if such
      provision were so excluded and shall be enforceable in accordance with its
      terms.

    

    (h)
      Entire Agreement. This Agreement constitutes the entire agreement between the
      parties hereto pertaining to the subject matter hereof, and any and all other
      written or oral agreements existing between the parties hereto are expressly
      canceled.

    

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

     

    
      	 	 	 
	 	
              FREEDOM
                FINANCIAL
                HOLDINGS, INC.

            
	 
 	 
 	 
 
	 	 	
               //ss//

            
	 	
              
Brian
              Kistler, Chief Executive Officer
	 	 

    
      	 HOLDER:	 	 	 
	 	 	 	 
	 	 	 	 
	
              //ss//

            	 	 	 
	
              
Robert
              W. Carteaux	 	 	
            
	
              Print
                Name and Title: Robert W. Carteaux

              Address:     
                   7009
                Woodcroft Lane

                   
                Fort Wayne, IN 46804

            	 	 	 

    

     

    
       

      
        
           

        

        
          9

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