Document:

HALL COUNTY LEASE AGREEMENT (00065167.DOC;1)

Exhibit 10.2

LEASE AGREEMENT

This Lease Agreement. ("the lease") is made this 1st day of December, 2003, by and among 311 Green Street Associates (the "Landlord"); and Allied Bancshares, Inc. (the "Tenant"). 

WITNESSETH:

1.PREMISES. 

Landlord does hereby rent and lease to Tenant the following described space in the office complex known as 311 Green Street Building, Gainesville, Georgia; office space on the first floor, Suite 102. For all purposes under the Lease, the Premises shall be deemed to include 4478 rentable square feet (including both exclusive usable area and common areas attributable to Tenant's usable area). 

2. TERM. 

The term of this lease shall be for a period commencing on the 1st day of March 2004, at 12:01 a.m. and expiring on the 29th day of February, 2007, at 11 :50 p.m.), unless sooner terminated or extended as hereinafter provided (such term, being hereinafter referred to as the "Term"). 

Landlord does hereby agree to extend the term of the lease for two additional three year terms. Said lease extension shall be at the sole discretion of the Tenant, and each period of lease extension shall be for an additional three year period, beginning March 1 of the year of said extension and ending February 28th or 29th of the third year. Tenant agrees to notify Landlord in writing of its intention to extend the lease ninety (90) days prior to the expiration of the lease in effect. The base monthly rental in effect for each extension shall be the current base monthly rent ($5,971.00) times the sum of the three previous years annual increase in the consumer price index. 

3.POSSESSION

If this Lease is executed before the Premises become ready for occupancy and Landlord cannot deliver possession of the Premises on or before commencement of the Term for any reason other than all omission, delay or default caused by Tenant, rent shall abate until Landlord can deliver possession, and Tenant hereby accepts such abatement in full settlement of any and all claims Tenant may have against Landlord arising from Landlord's inability to deliver possession at the commencement of the Term. Any occupancy by Tenant prior to the beginning of the Term, even if rent free, shall in all other respects be pursuant to the terms and provisions of this Lease. 

4.BASE MONTHLY RENTAL. 

(a) Tenant shall pay in advance to Landlord promptly, without demand, on the first day of each month during the Term a base monthly rental (the "Base Monthly Rental"), which originally shall be Five Thousand Nine Hundred Seventy- One Dollars ($5,971.00), and which may be adjusted from time to time as provided in Paragraph 2 hereof. If the Term commences on a day other than the first day of a month, or terminated on a day other than the last day of a month, the Base Monthly Rental for the first and last partial month shall be prorated based upon the actual number of days in such a month. 

(b) Simultaneously with the execution of this Lease, Tenant has paid to Landlord, and Landlord hereby acknowledges the receipt of Five Thousand Five Hundred Ninety-Eight Dollars ($5,971,00) (the "Initial Installment"). Such sum shall be applied by Landlord to the first installment(s) of Base Monthly Rental as they become due hereunder. In the event Tenant fails to take possession of the Premises in accordance with all of the terms hereof, the Initial Installment shall be retained by Landlord for application in reduction, but not in satisfaction, of damages suffered by Landlord as a result of such breach by Tenant. 

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 5.USE.

The premises shall be used for business office and related ancillary purpose and for no other purposes. The premises shall not be used for any illegal purposes, nor in violation of any regulation of any governmental body, nor in any manner to create any nuisance or trespass, nor in any manner to vitiate the insurance or increase the rate of insurance on the Premises or the Building. Tenant shall, at its own expense, promptly comply with any and all municipal, county, state and federal statutes, regulations and/or requirements applicable or in any way relating to the use and occupancy of the Premises. 

6.ASSIGNMENT AND SUBLETTING.

Tenant shal1 not voluntarily or involuntarily, whether by operation of law or otherwise, assign, transfer, hypothecate or otherwise encumber this Lease or any interest herein and shall not sublet or permit the use by others of the Premises or any portion thereof without obtaining in each instance Landlord's prior written consent, which consent Landlord may not unreasonably withhold, Landlord's consent to one assignment, sublease, transfer or hypothecation shall not be deemed as a consent to any other or further assignment, sublease, transfer or hypothecation. Any such assignment, sublease, transfer or hypothecation without Landlord's prior written consent shall be void and shall, at Landlord's option, constitute a default under this Lease. No acceptance by Landlord of any rent or any other sum of money from any assignee, subleases or other category of transferee shall release Tenant from any of its obligations hereunder or be deemed to constitute Landlord's consent to any assignment, sublease, transfer or hypothecation, and in any event, Tenant shall remain primarily liable on this Lease for the entire Term hereof and shall in no way be released from the full and complete performance of all the terms, conditions, covenants and covenants contained herein. 

7.HOLDING OVER. 

If Tenant remains in possession after the expiration of the Term, or the termination of this Lease, it shall be a tenant at sufferance only and there shall be no renewal hereof by operation of law. In such event, such occupancy shall be at an amount equal to two hundred percent (200%) of the Base Monthly Rental in effect immediately prior to the expiration or termination of this Lease and shall otherwise be subject to all of the covenants and provisions of this Lease insofar as the same are applicable to a month-to-month tenancy. Tenant shall be liable to Landlord for all damages incurred by Landlord as a result, in whole or in part, of Tenant's failure to deliver possession of the Premises to Landlord upon expiration of the Term. 

8.ALTERATIONS AND IMPROVEMENTS. 

(a) Tenant intends to renovate said space for use as a banking office. Tenant will provide Landlord with a copy of final plans for the required renovation. 

 (b) No additional alteration in, or addition to, the Premises will be made without first obtaining Landlord's prior written consent, which Landlord may grant or withhold for any reason or for no reason. 

(c) Tenant will erect or add certain building equipment and fixtures. Landlord acknowledges that said banking equipment and fixtures are the property of the Tenant. Landlord reserves the right to require Tenant to remove the banking equipment and fixtures at the termination hereof or within fifteen (15) days thereafter. Landlord may, at its election, repair any damage to the Premises caused by or in connection with the removal of any articles or personal property, business or trade fixtures, alterations, improvements and installations, and all costs for such repairs shall be at Tenant's expense. A list of said banking fixtures is attached as Exhibit "B". 

9.REPAIRS TO THE PREMISES. 

Landlord shall not be required to make any repairs or improvements to the Premises, except structural repairs necessary for safety and tenant ability. Tenant shall, at its own cost and expense, keep in good repair all portions of the Premises, including but not limited to window, glass and plate glass, doors, any special store front, interior walls and finish work, floors and floor coverings, and supplemental or special heating and air conditioning systems, and shall take good care of the Premises and its fixtures and permit no waste, except normal wear and tear with due consideration for the purpose for which the Premises are leased. Tenant shall maintain and 

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replace, at its cost and expense, all light bulbs and fixtures in the Premises. In addition, Landlord agrees to complete the items listed on Exhibit B before Tenant occupies the space, as a condition to the lease.

10.ENTRY BY LANDLORD. 

Landlord or its agents may enter the Premises at reasonable hours to exhibit same to prospective purchasers or tenants, to inspect the Premises to see that Tenant is complying with all of its obligations hereunder, and to make repairs, improvements, alterations or additions which Landlord shall deem necessary for the safety, preservation or improvement of the Building or to make repairs or modifications to any adjoining space. Landlord shall be allowed to take all material into and upon the Premises that may be required to make such repairs, improvements, alterations or additions for the benefit of Tenant without in any way being deemed or held guilty of an eviction of Tenant. 

11.DEFAULT AND REMEDIES. 

 (a) In addition to the circumstances hereinbefore set forth, the occurrence of any of the following shall constitute a material breach and default of this Lease by Tenant: 

 (i) The filing of any voluntary petition or similar pleading under any section or sections of any bankruptcy or insolvency act by or against Tenant or the institution of any voluntary or involuntary proceeding in any court or tribunal to declare Tenant insolvent or unable to pay Tenant's debts as they mature and, in the case of an involuntary petition or proceeding, the petition or proceeding is not dismissed within thirty (30) days from the date it is filed, or the making of an assignment for the benefit of its creditors by Tenant, or the appointment of a trustee or receiver for Tenant or for the major part of Tenant's property; 

 (ii) Tenant's failure to pay the Base Monthly Rental or any other sum due hereunder, if such nonpayment continues for ten (10) or more days after the same is due and payable, or Tenant's default in the prompt and full performance of any other provision of this Lease and Tenant does not cure the default within thirty (30) days after written demand by Landlord that the default be cured (unless the default involves a hazardous condition, which shall be cured forthwith upon Landlord's demand); 

 (iii) The levy, execution or attachment against assets of Tenant located in the Premises, 

 (iv) Tenant's failure to take possession or occupancy of, or desertion or abandonment of, the Premises (or any substantial portion thereof), or the Premises (or any substantial portion thereof) otherwise becoming vacant, 

 (b) In the event of any default as aforesaid by Tenant, Landlord, in addition to any and all other rights or remedies it may have at law or in equity, shall have the option of pursuing anyone or more of the following remedies: 

 (i) Landlord shall have the immediate right of reentry and may remove all property from the Premises to a warehouse or elsewhere at the cost of, and for the account of Tenant, all without being deemed guilty of trespass or becoming liable for any loss, damage or damages which may be occasioned thereby; 

 (ii) Landlord may, from time to time without terminating this Lease, and without releasing Tenant in whole or in part from Tenant's obligation to pay Base Monthly Rental and all other amounts due under this Lease and perform all of the covenants, conditions and agreements to be performed by Tenant as provided in this Lease, make such alterations and repairs as may be necessary in order to relet the Premises, and, after making such alterations and repairs, Landlord may, but shall not be obligated to, relet the Premises or any part thereof for such term or terms (which may be for a term extending beyond the Term of this Lease) at such rental or rentals and upon such other terms and conditions as Landlord in its sole discretion may deem advisable or acceptable; upon each reletting, all rentals received by Landlord from such reletting shall be applied first, to the payment of any indebtedness other than rent due hereunder from Tenant to Landlord, second, to the payment of any costs and expenses of such reletting including brokerage fees and attorneys' fees, and of costs of such alterations and repairs, third, to the payment of the Base Monthly Rental, and other charges due and unpaid hereunder, and the residue, if any, shall be held by Landlord and applied against payments of future Base Monthly Rental or 

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 other charges as the same my become due and payable hereunder; in no event shall Tenant be entitled to any excess rental received by Landlord over and above charges that Tenant is obligated to pay hereunder, including Base Monthly Rental and all other charges; if such rentals from such reletting during any month are less than those to be paid during the month by Tenant hereunder, including Base Monthly Rental and al1 other charges, Tenant shall pay any such deficiency to Landlord, which deficiency shall be calculated and paid monthly; Tenant shall also pay Landlord as soon as ascertained and upon demand all costs and expenses incurred by Landlord in connection with such reletting without termination, Landlord may at any time thereafter elect to terminate this Lease for such previous breach. 

 (c) Land1ord's reentry, demand for possession, notice that the tenancy hereby created will be terminated on the date therein named, institution of an action of forcible detainer or ejectment or the entering of a judgment for possession in such action or any other act or acts resulting in the termination of Tenant's right to possession of the Premises shall not relieve any Base Monthly Rental or other charges due from Tenant, and the payment thereof shall not constitute a waiver of or affect any notice or demand given, suit instituted or judgment obtained by Landlord, or be held to waive, affect, change, modify or alter the rights or remedies which Landlord has in equity or at law or by virtue of this Lease, 

 (d) In the event Landlord commences any proceedings for nonpayment of Base Monthly Rental or other sums due hereunder, Tenant will not interpose any counterclaim of whatever nature or description which is not directly related to the Lease in any such proceeding, This shall not, however, be construed as a waiver of Tenant's right to assert such claims in any separate action or actions brought by Tenant. Tenant hereby expressly and voluntarily waives any right to jury trial with respect to any action brought under or with respect to this Lease, and Landlord and Tenant acknowledge and agree that any such action must be brought in a court located in Hall County, Georgia and having jurisdiction therein. 

 (e) All sums past due under this Lease shall bear interest at eighteen percent (18%) per annum, but in no event in excess of the maximum lawful rate, from due date until paid-ill-full. 

 (f) Except as expressly provided in this Lease, Tenant hereby waives any and every form of demand and notice prescribed by statute or other law, including without limitation the notice of any election of remedies made by Landlord under this Paragraph, demand for payment of any rent, or demand for possession. 

 (g) All rights and remedies of Landlord created or otherwise existing at law are cumulative, and the exercise of one or more rights or remedies shall not be taken to exclude or waive the right to exercise any other. 

12.LANDLORD'S SERVICES. 

(a) Landlord shall render services and supplies incidental to this Lease in accordance with and as described in this paragraph 12, as follows: 

(i) Landlord shall furnish electric current for standard tenant lighting and business machinery only from electric circuits designated by landlord for Tenant's use. Such circuits will be fed into one or more of the existing electrical panel(s) in the electrical closets located in the Premises. Tenant's usage or said panels on any given floor shall not exceed Tenant's pro rata share (based on rentable square footage) of the panels' capacity" Tenant will not use any electrical equipment which in Landlord's opinion will overload the wiring installations or interfere with the reasonable use thereof by other users in the Building. Tenant will not, without Landlord's prior written consent in each instance, connect any items such as non-Building standard tenant lighting, vending equipment, printing or duplicating machines, computers (other than desktop word processors and personal computers), auxiliary air conditioners, and other computer-related equipment to the Building's electrical system, or make any alteration or addition to the system. If Tenant desires any such items, addition 208/120 volts for purposes other than Building standard tenant lighting, or other special power requirements or circuits, then Tenant may request Landlord to provide such supplemental power or circuits to the Premises, which request Landlord may grant or withhold in its reasonable discretion. If Landlord furnishes such power or circuits, Tenant shall pay Landlord, on demand, the cost of the design, installation and maintenance of the facilities required to provide such additional or special electric power or circuits and the cost of all electric Current so provided at a rate not to exceed that which would be charged by Georgia Power Company, or its successor, if Tenant were a direct customer thereof. Landlord may require separate electrical metering of such supplemental electric power or circuits to the Premises, and Tenant shall pay, on demand, the cost of the design, installation and maintenance of such metering facilities. Tenant shall have access to all electrical closets in the Premises, but it is agreed that any electrical engineering design or contract work shall be performed at Tenant's expense by Landlord or an electrical engineer and/or electrical contractor approved by Landlord. All invoices respecting the design, installation and maintenance of the facilities requested by Tenant shall be paid within thirty (30) days of Tenant's receipt thereof. Landlord's charge to Tenant for the cost of electric current so provided shall be paid within thirty (30) days of receipt of invoice by Tenant. 

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 (ii) Landlord shall furnish seasonable air conditioning and heating during normal business hours (8:00 am to 6:00 pm Monday through Friday and 8:00 am. - 1:00 pm Saturday), said heat or air conditioning not being furnished Sunday or holidays observed by Landlord. Should Tenant desire either heating or air conditiol1lng at other times, Landlord agrees to provide same upon reasonable advance written request by Tenant, but at Tenant's expense at such hourly rates as may be determined from time to time by Landlord, which charge Tenant shall pay promptly upon being billed therefor. 

(b) Landlord shall not be liable for any damages directly or indirectly resulting from the installation, use of interruption of use of any equipment in connection with the furnishing of services referred to in this Paragraph, and particularly any interruption in services by any cause beyond the immediate control of Landlord, provided Landlord shall use reasonable diligence in the restoration of such services. 

13.DESTRUCTION OF PREMISES. 

Should the Premises be so damaged by fire or other cause that rebuilding or repairs cannot be completed within ninety (90) days from the date of the fire, or other cause of damage, then either Landlord or Tenant may terminate this Lease by written notice to the other given within (30) days of the date of such damage or destruction, in which event rent shall be abated from the date of such damage or destruction. However, if the damage or destruction is such that rebuilding or repairs can be completed within ninety (90) days, Landlord covenants and agrees, subject to the provisions of this Paragraph 11, to make such repairs with reasonable promptness and dispatch, and to allow Tenant an abatement in the rent for such time as the Premises are untenantable or proportionately for, such portion of the Premises as shall be untenantable, and Tenant covenants and agrees that the terms of this Lease shall not be otherwise affected. Such repairs and restoration relating to Tenant's initial leasehold improvements or otherwise made by or for Tenant shall be made at Tenant's expense in accordance with plans and specifications approved by Landlord and Tenant. Repairs and restoration to base Building improvements required by this Lease to be furnished by Landlord at its expense (other than Tenant's initial leasehold improvements) shall be made at Landlord's expense. In no event shall Landlord be required to repair or replace any trade fixtures, furniture, equipment or other property belonging to Tenant; nor shall Landlord have any necessitating such work that aloe made available to Landlord, under its sole contro1, for such work. 

14.CONDEMNATION OF PREMISES. 

(a) If any part of the Premises shall be taken or appropriated by any public or quasi-public authority under the power of eminent domain, Landlord shall have the right, at its option, to terminate this Lease effective as of the date possession is taken by said authority (unless all of the Premises are so taken in which case this Lease shall terminate), and shall be entitled to any and all income, rent or award and any interest thereon whatsoever which may be paid or made in connection with such public or quasi-public use or purpose. Tenant hereby assigns to Landlord its entire interest in any; and all such awards, and shall have no claim against Landlord for the value of any portion of the unexpired Term. If a part of the Premises shall be so taken or appropriated, and Landlord does not elect to terminate this Lease, the Base Monthly Rental thereafter to be paid shall be reduced by an amount bearing the same ratio to the total amount of Base Monthly Rental as the rentable area of the Premises so taken bears to the entire Premises. 

 (b) If any part of the Building other than the Premises shall be so taken or appropriated, Landlord shall have the sole right, at its option, to terminate this Lease and shall be entitled to the entire award as above provided, and in such case Tenant shall likewise have no claim against Landlord for the value of any unexpired Term of this Lease. 

 (c) Nothing hereinbefore contained shall be deemed to deny to Tenant its right to claim from the condemning authority compensation or damages for its trade fixtures and personal property, provided the condemning authority makes a separate award therefor. 

15.INSURANCE. 

Tenant shall carry "all risk" coverage insurance insuring Tenant's interest in the improvements and betterments to the Premises, including initia1 improvements installed by Landlord, and any and all furniture, equipment, supp1ies and other property owned, leased, held or possessed by it and contained therein, in an amount cqua1 to the full replacement cost thereof, subject to deductible amounts 

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reasonably satisfactory to Landlord, plus business interruption insurance respecting Tenant's operations from the Premises in an amount reasonably satisfactory to Landlord. Tenant shall also procure and maintain throughout the term a policy or policies of comprehensive general liability insurance, including contractual liability, insuring Tenant, Landlord and any other persons designated by Landlord, as additional insureds, against any and all liabilities for injury to or death of a person or persons and for damage to property occasioned by or arising out of any construction work being done on the Premises, or arising out of the condition, use or occupancy of the Premises, or in any way occasioned by or arising out of the activities of Tenant or its agents, employees or licensees in the Premises, or other portions of the Building, Building site and adjacent parking deck or parking areas in amounts not less than $1,000,000 with respect to anyone casualty or occurrence and $100,000 with respect to property damage, including fire legal liability. Landlord and Tenant shall each have included in an policies of insurance respectively obtained by them with respect to the Building, Building side and adjacent parking deck or parking areas and/or the Premises a waiver by the insurer of all rights of subrogation against the other in connection with any loss or damage thereby insured against. So long as both Landlord's and Tenant's policies then in force include such mutual waiver of subrogation, Landlord and Tenant, to the fullest extent permitted by law, each waive all right of recovery against the other for, and agree to release the other from liability for, loss or damage to the extent such loss or damage is covered by valid and collectible insurance in effect at the time of such loss or damage. If such waiver of subrogation shall not be obtainable or shall be obtainable only at a premium over that chargeab1e without such waiver, the party seeking such waiver shall notify the other thereof in writing, and the latter shall have ten (10) days in which either (i) to procure on behalf of the notifying party insurance with such waiver from a company or companies reasonably satisfactory to the notifying party or (ii) to agree to pay such additional premium (in Tenant's case, in the proportion which the rentable square footage of the Premises bears to the total rentable square footage of the area covered by the insurance policy of the Landlord). All insurance policies procured and maintained by Tenant pursuant to this Paragraph 16 shall be carried with companies licensed to do business in the State of Georgia reasonably satisfactory to Landlord and shall be noncancellable except after thirty (30) days written notice to Landlord and any designees of Landlord. such policies or duly executed certificates of insurance with respect thereto shall be delivered to Landlord prior to the date that Tenant takes possession of the Premises, and renewals thereof as required shall be delivered to Landlord at least thirty (30) days prior to the expiration of each respective policy term. 

16.USUFRUCT ONLY. 

This contract shall create the relationship of Landlord and Tenant between Landlord and Tenant; no estate shall pass out of Landlord; Tenant has only a usufruct, not subject to levy and sale. 

17.WAIVER. 

The waiver by Landlord of any breach of any term, covenant or condition herein contained shall not be deemed to be a waiver of any other term, covenant or any subsequent breach of the same or any other term, covenant or condition herein contained. The subsequent acceptance of Base Monthly Rental or other sums due hereunder by Landlord shall not be deemed to be a waiver of any preceding breach by Tenant of any term, covenant or condition of this Lease, other than the failure of Tenant to pay the particular payment so accepted, regardless of Landlord's knowledge of such preceding breach at the time of acceptance of such payment. No covenant, term or condition of this Lease shall be deemed to have been waived by Landlord, unless such waiver is in writing signed by Landlord. 

18.ENTIRE AGREEMENT.

This Lease sets forth all the covenants, promises, agreements, conditions and undertakings between Landlord and Tenant concerning the Premises, and there are no covenants, promises, agreements, conditions or undertakings other than as herein set forth. No subsequent alteration, amendment, change or addition to this Lease, except as to changes or additions to the Rules and Regulations described shall be binding upon Landlord or Tenant unless reduced to writing and signed by authorized representative of each of them. 

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 19.LANDLORD'S CONSENT. 

In every instance herein in which Landlord is called upon to give its consent, such consent may be withheld for any reason or for no reason, or if granted, may be subject to those conditions which Landlord deems appropriate. No such consent shall be binding upon Landlord un1ess made expressly in writing signed by Landlord. 

20.NOTICES. 

(a) Every notice, demand or request hereunder shall be in writing, and shall be deemed to have been properly given if delivered personally or by courier, with a signed receipt, or if deposited with the United States Postal Service (or any official successor thereto) designated certified mail, return receipt requested, beari11g adequate postage and addressed as follows: 

If to Tenant: 

Allied Bancshares, Inc.

Post Office Box 2669

Cumming, GA 30028 

If to Landlord: 

311 Green Street Associates

718 Green Street NW 

Gaincsvil1e, GA 30501 

The foregoing addresses may be changed by thirty (30) days prior written notice from time to time. (b) Tenant hereby appoints as his agent to receive the service of all dispossessory or distraint proceedings and notices thereunder, and all notices required under this Lease, the person in charge of or occupying the Premises at the time, and if no person is in charge or occupying same, then such service or notice may be made by attaching the same on the main entrance to the Premises. A copy of all notices under this Lease shall also be sent to Tenant's last address of which notice was given to Landlord in accordance with this Paragraph, if different from the Premises. 

21.SUCCESSORS AND ASSIGNS; ATTORNMENT. 

The covenants, conditions and agreements herein contained shall inure to the benefit of and be binding upon Landlord, its successors and assigns, and shall be binding upon Tenant, its heirs, executors, administrators, successors and assigns, and shall inure to the benefit of Tenant and only such assigns of Tenant to whom the assignment by Tenant has been consented to by Landlord. Nothing contained in this Lease shall in any manner restrict Landlord's right to assign or encumber this Lease in its sole discretion. Should Landlord assign this Lease as provided for above, or should Landlord enter into a security deed or other mortgage affecting the Premises and should the holder of such deed or mortgage succeed to the interest of Landlord, Tenant shall be bound to said assignee or any such holder under all the terms, covenants and conditions of this Lease for the balance of the Term hereof remaining after such succession, and Tenant shall attorn to such succeeding party as its Landlord under this Lease promptly under any such succession. Tenant agrees that should any party so succeeding to the interest of Landlord require a separate agreement of attornment regarding the matters covered by this Lease, then Tenant shall enter into any such "attornment agreement" provided the same does not modify any of the provisions of this Lease and has no adverse effect upon Tenant's continued occupancy of the Premises. 

22.TIME IS OF THE ESSENCE. 

Time is of the essence with respect to the performance of each of the covenants and agreements of this Lease; provided, however, that failure of Landlord to provide Tenant with any notification regarding adjustments in Base Monthly Rental, or any other charges provided for hereunder, within the time periods prescribed in this Lease shall not relieve Tenant of its obligation to make such payments, which payments shall be made by Tenant at such time as notice is subsequently given. 

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23.CAPTIONS; GOVERNING LAW. 

The captions of this Lease are for convenience of reference only and in no way define, limit or describe the scope or intent of this Lease. The laws of the State of Georgia shall govern the validity, performance and enforcement of this Lease. 

24.SEVERABILITY. 

Landlord and Tenant intend and believe that each provision in this Lease is in accordance with all applicable local, state and federal laws and judicial decisions. However, if any provision or provisions, or if my portion of any provision or provisions, in this Lease is ultimately determined by a court of law to be in violation of any local, state or federal ordinance, statute, law, administrative or judicial decision, or public policy, and if such court shall declare such portion, provision or provisions of this Lease to be illegal, invalid, unlawful, void or unenforceable as written, then it is the intent both of Landlord and Tenant that such portion , provision or provisions shall be given force to the fullest possible extent that they are legal, valid and enforceable, that the remainder of this Lease shall be construed as if such illegal, invalid, unlawful, void or unenforceable portion, provision or provisions were not contained herein, and that the rights, obligations and interest or Landlord and Tenant under the remainder of this Lease shall continue in full force and effect. 

25.ATTORNEYS' FEES. 

Tenant agrees to pay all attorneys' fees and expenses the Landlord incurs in enforcing any of the obligations of Tenant under this Lease, or in any litigation or negotiation in which Landlord shall, without his fault, become involved through or on account of this Lease. 

26.LIMITATION OF LIABILITY. 

Landlord's obligations and liability to Tenant with respect to this Lease shall be limited solely to Landlord's interest in the Building, and neither Landlord nor any of the joint ventures of Landlord, nor any officer, director, partner or shareholder of Landlord or any of the joint ventures of Landlord, shall have any personal liability whatsoever with respect to this Lease. 

27.RULES AND REGULATIONS. 

The rules and regu1ations (herein called the "Rules and Regulations") printed upon this instrument on the attached Exhibit A shal1 be and are hereby made a part of this Lease. Tenant, its employees and agents, will perform and abide by said Rules and Regulations, and any amendments or additions to said Rules and Regulations as may be made from time to time by Landlord. 

28.SPECIAL STIPULATIONS. 

Insofar as the special stipulations, if any, set forth in the special stipulations attachment to this Lease conflict with any of the foregoing provision, the special stipulations shall control. Such special stipulations are expressly incorporated herein by this reference.

29. 

Landlord also leases to Tenant all equipment listed on Exhibit C at no additional cost .Maintenance and repair to equipment on Exhibit C are the responsibility of Tenant Tenant agrees to return equipment is same condition at end of lease.

30.

Landlord will allow Tenant to place signage on the building at the front door, top of building, back door, and front outside patio.

31.

If we fail to form, lease will become void and Landlord will keep initial month's rent.

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IN WITNESS WHEREOF. the parties hereto have herein set their hands and seals, the day and year set forth opposite their respective signatures below, effective as of the date first above written. 

 

	
Signed, sealed and delivered by Landlord this ______ day of _________________________________, 2003, in the presence of:

___________________________________________ Unofficial Witness

___________________________________________ Notary Public

My Commission Expires:________________________ 

(NOTARY SEAL)
	
LANDLORD:

311 GREEN STREET ASSOCIATES

By:_________________________________________

 

By:_________________________________________

	 	 
	
Signed, sealed and delivered by Tenant this ______ day of _________________________________, 2003, in the presence of:

___________________________________________ Unofficial Witness

___________________________________________ Notary Public

My Commission Expires:________________________ 

(NOTARY SEAL)
	
TENANT:

ALLIED BANCSHARES, INC. 

By:_________________________________________

 

By:_________________________________________

 

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EXHIBIT A

RULES AND REGULATIONS

1. The sidewalks and public portions of the building, such as entrances, passages, courts, elevators, vestibules, stairways, corridors or hall, shall not be obstructed or encumbered by Tenant or used for any purpose other than ingress and egress to and from the Premises. 

2. Tenant shall have the right to affix a sign on the front left hand side of the building, said sign to be no larger than 5 feet by 10 feet. Tenant shall have the right to replace the message board sign with a sign identifying its business. Tenant shall have the right to erect or affix directional signs addressing customer parking, use of drive in banking windows and use of automated teller machine. Landlord will permit no other signs to be hung by anyone, other than Tenant, on the front of the building. 

3. The sashes, sash doors, skylights, windows, heating, ventilating and air conditioning vents and doors that reflect or admit light and air into the halls, passageways or other public places in the Building shall not be covered or obstructed by Tenant, nor shall any bottles, parcels or other articles be placed on the window sills. 

4. The water and wash closets and other plumbing fixtures shall not be used for any purposes other than those for which they were constructed, and no sweepings, rubbish, rages or other substances shall be allowed therein. All damages resulting from any misuse of the fixtures shall be borne by Tenant, if caused by it or its agents, employees, contractors, licensees or invitees. Landlord certifies that plumbing systems of said space are in good working order. 

5. Tenant shall not in anyway deface any part of the Premises or the Building. Tenant shall lay lino1eum, or other similar floor covering so that the same shall come in direct contact with the floor of the Premises, and, if linoleum or other similar floor covering is desired to be used, an interlining of builder's deadening felt shal1 be first affixed to the floor by a past or other material, soluble ill water, the use of cement or other similar adhesive material being expressly prohibited. 

6. No bicycles, vehicles or animals (except seeing eye dogs) of any kind shall be brought into or kept in or about the Premises. No cooking shall be done or permitted by Tenant on the Premises except in conformity with law and then only in the utility kitchen as set forth in Tenant's layout, which is to be primarily used by Tenant's employees for heating beverages and lunches or light snacks. Tenant shall not cause or permit any unusual or objectionable odors to be produced upon or permeate from the Premises. 

7. No space in the Building shall be used for manufacturing or distribution, or for the storage of merchandise or for the sale of merchandise, goods or property of any kind at auction. 

8. Tenant shall not make, or permit to be made, any unseemly or disturbing noises or disturb or interfere with occupants of the Building or neighboring buildings or premises or those having business with them, whether by the use of any musical instrument, radio, talking machine, unmusical noise, whistling, singing, Or in any other way. 

9. Neither Tenant, nor any of Tenant's agents, employees, contractors, licensees, Or invitees, shall at any time put up or operate fans or electrical heaters or bring or keep upon the Premises flammable, combustible or explosive fluid, or chemical substance, other than reasonable amounts of cleaning fluids or solvents required in the normal operation of Tenant's business offices. No offensive gases or liquids will be permitted. 

10. No additional locks or bolts of any kind shall be placed upon any of tl1e doors or windows by Tenant, nor shall any changes be made in existing locks or the mechanism thereof, without the prior written approval of Landlord and unless and until a duplicate key is delivered to Landlord. Tenant shall, upon tern1ination of its tenancy, restore to Landlord all keys of stores, offices and toilet rooms, either furnished to, or otherwise procured by, Tenant, and in the event of the loss of any keys so furnished, Tenant shall pay to Landlord the cost thereof. Said provisions shall not apply to any locks or bolts on any banking equipment, i.e. vaults, cash vaults, ATM's, etc. 

11.Tenant shall not place any furniture accessories or other materials on any balconies located within or adjacent to the Premises without having obtained Landlord's express written approval thereof in each instance. 

	The Landlord reserves the right to exclude from the Building at all times, other than business hours, all persons who do not present a pass to the building signed by Tenant. Tenant shall be responsible for all persons to whom it issues such a pass and shall be liable to Landlord for all acts of such persons. 

 

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<PAGE>

13. The requirements of Tenant will be attended to only upon application at the management office for the Building. Building employees shall not perform any work or do anything outside of their regular duties, unless under special instructions from the office of the Landlord.

14. Canvassing, soliciting and peddling in the Building are prohibited, and Tenant shall cooperate to prevent the same. 

15. There shall not be used in any space, or in the public hall of the Building, either by Tenant or by its jobbers or others, in the delivery or receipt of merchandise, any hand trucks, except those equipped with rubber tires and side guards. No hand trucks, mail carts or mail bags shall be used in passenger elevators. 

16. Tenant shall not employ any persons other than the janitors retained by landlord (who will be provided with pass-keys into the offices) for the purpose of cleaning or taking charge of the Premises. 

17. Parking facilities supplied by Landlord for Tenant, if any, sha1l be used by vehicles that may occupy a standard parking area only. Moreover, the use of such parking facilities shall be limited to normal business parking and shall not be used for a continuous parking of any vehicle regardless of size. The seven parking spaces (excluding the designated handicapped parking spaces) shall be reserved for use by bank customers during normal business hours (8:00 a.m. to 6:00 p.m. Monday through Friday) flanking either side of the rear, middle entrance of the Building. 

18. Buildings located within the City of Gainesville are designated as smoke free environments. Tenant and its employees and customers will refrain from smoking within the premises. Landlord will insure that other Tenants in the building refrain from smoking. 

 

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EXHIBIT B

 A.Landlord will complete repairs of the following in a manner acceptable to Tenant at Landlord's expense:

1.Repair parking lot.

2.Repair concrete around front of building and front pedestrian area.

3.Repair all outside door closure mechanisms.

4.Clean limestone tower.

 B.Landlord will complete repairs or renovations of the following at Tenant's expense, to Tenant acceptance.

1.Removal of stone façade at front door, back door, and drive-thru columns or cover same with stucco or similar material.

2.Remove or replace awning at back of building.

 

 

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<PAGE>

EXHIBIT "C"

 

Check Stand

Cash Vault

Teller Stations/Counter/Equipment

Night Depository

Signage

Surveillance System

Alarm System

Drive-thru Teller Window, Equipment

Other incidental "Bank Equipment", Fixtures, Furniture

"As Is"

 

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<PAGE>CONSULTING AGREEMENT

DATE:             March 25, 2004

PARTIES:          ALAN C. FERGUSON (the "Consultant")

                  CTD HOLDINGS, INC., a Florida corporation (the "Company")

AGREEMENTS:

SECTION 1.  RETENTION OF CONSULTANT

         1.1 Effective Date. Effective March 25, 2004 (the "Effective Date") the
Company shall retain the Consultant as an independent contractor consultant, and
the Consultant hereby accepts such consulting  relationship,  upon the terms and
conditions set forth in this Agreement.

         1.2  Services.  The  Consultant  agrees  to  serve  the  Company  as  a
consultant regarding construction and concrete. The Consultant shall perform and
discharge well and faithfully for the Company such  consulting  services  during
the term of this  Agreement  as may be assigned to the  Consultant  from time to
time by the President of the Company.

SECTION 2.  COMPENSATION

         2.1 Consulting Fee and Expense Reimbursement.  In full satisfaction for
any and all consulting services rendered by the Consultant for the Company under
this Agreement, the Company shall pay the Consultant a consulting fee of 100,000
shares of the Company's common stock. Said 100,000 shares shall be registered on
Form S-8 at the expense of the Company. In addition to such consulting fees, the
Company  agrees to reimburse  the  Consultant  for the  Consultant's  reasonable
expenses away from the location of the  Consultant's  principal  office directly
incurred by the  Consultant  at the Company's  request in performing  consulting
services for the Company,  provided  that  Consultant  shall provide the Company
with invoices for such expenses,  and such supporting information or receipts as
the Company reasonably requests, prior to the date of payment.

         2.2 Other  Compensation and Fringe  Benefits.  The Consultant shall not
receive any other  compensation  from the Company or  participate  in or receive
benefits under any of the Company's  employee fringe benefit programs or receive
any other fringe benefits from the Company on account of the consulting services
to be provided to the Company under this Agreement, including without limitation
health,  disability,  life insurance,  retirement,  pension,  and profit sharing
benefits.

SECTION 3.  NATURE OF RELATIONSHIP; EXPENSES

         3.1 Independent  Contractor.  It is agreed that the Consultant shall be
an  independent  contractor  and  shall  not be the  employee,  servant,  agent,
partner, or joint venturer of the Company, or any of its officers, directors, or
employees.  The Consultant  shall not have the right to or be entitled to any of
the employee benefits of the Company or its subsidiaries.  The Consultant has no
authority to assume or create any  obligation or liability,  express or implied,
on the  Company's  behalf or in its name or to bind the  Company  in any  manner
whatsoever.

         3.2  Insurance  and Taxes.  The  Consultant  agrees to arrange  for the
Consultant's  own  liability,  disability,  health,  and  workers'  compensation
insurance,  and  that of the  Consultant's  employees,  if any.  The  Consultant
further  agrees  to be  responsible  for the  Consultant's  own tax  obligations
accruing as a result of payments for services rendered under this Agreement,  as
well as for the tax  withholding  obligations  with respect to the  Consultant's
employees,  if any. It is expressly understood and agreed by the Consultant that
should the Company for any reason incur tax liability or charges whatsoever as a
result of not making any  withholdings  from  payments for  services  under this
Agreement, the Consultant will reimburse and indemnify the Company for the same.

         3.3 Equipment,  Tools,  Employees and Overhead.  The  Consultant  shall
provide, at the Consultant's  expense, all equipment and tools needed to provide
services under this Agreement,  including the salaries of and benefits  provided
to any  employees  of the  Consultant.  Except  as  otherwise  provided  in this
Agreement,  the  Consultant  shall be  responsible  for all of the  Consultant's
overhead costs and expenses.

SECTION 4.  TERM

         4.1 Initial Term; Renewal.  Unless otherwise terminated pursuant to the
provisions  of Section 4.2, the  consulting  relationship  under this  Agreement
shall commence on the Effective Date and continue in effect until March 31, 2005
(the "Initial Term").  Thereafter, the term of the consulting relationship under
this Agreement  shall be extended for  successive  one-year  periods  subject to
either party's right to terminate the consulting  relationship at the end of the
Initial Term or on any subsequent  anniversary thereof by giving the other party
at  least  60  days'  written  notice  prior  to  the  effective  date  of  such
termination.

         4.2 Early Termination. The consulting relationship under this Agreement
may be  terminated  prior to the end of the Initial  Term or any renewal term by
the death of the Consultant,  the disability of the Consultant  resulting in the
inability of the  Consultant to perform the  consulting  service,  or by written
notice from the Company  that,  in the  Company's  sole  determination:  (a) the
Consultant has refused, failed, or is unable to render consulting services under
this Agreement;  (b) the Consultant has breached any of the  Consultant's  other
obligations  under  this  Agreement;  or (c) the  Consultant  has  engaged or is
engaging in conduct that in the Company's sole  determination  is detrimental to
the Company. If the consulting relationship is terminated for any of the reasons
set  forth  in the  preceding  sentence,  the  right  of the  Consultant  to the
compensation set forth in Section 2 of this Agreement shall cease on the date of
such  termination,  and the  Company  shall  have no further  obligation  to the
Consultant under any of the provisions of this Agreement.

         4.3 Effect of Termination.  Termination of the consulting  relationship
shall not affect the provisions of Sections 5, 6, and 7 which  provisions  shall
survive any termination in accordance with their terms.

SECTION 5.  DISCLOSURE OF INFORMATION

         The Consultant  acknowledges that the Company's trade secrets,  private
or secret processes as they exist from time to time, and information  concerning
products, developments,  manufacturing techniques, new product plans, equipment,
inventions,   discoveries,  patent  applications,  ideas,  designs,  engineering
drawings,  sketches,  renderings,  other drawings,  manufacturing and test data,
computer  programs,   progress  reports,   materials,   costs,   specifications,
processes,  methods, research,  procurement and sales activities and procedures,
promotion  and pricing  techniques,  and credit and  financial  data  concerning
customers of the Company and its subsidiaries,  as well as information  relating
to the management,  operation,  or planning of the Company and its  subsidiaries
(the "Proprietary Information") are valuable,  special, and unique assets of the
Company and its subsidiaries,  access to and knowledge of which may be essential
to the performance of the Consultant's duties under this Agreement.  In light of
the highly  competitive  nature of the  industry  in which the  Company  and its
subsidiaries   conduct  their   businesses,   the  Consultant  agrees  that  all
Proprietary   Information  obtained  by  the  Consultant  as  a  result  of  the
Consultant's  relationship  with  the  Company  and its  subsidiaries  shall  be
considered confidential. In recognition of this fact, the Consultant agrees that
the Consultant will not, during and after the Consulting Period, disclose any of
such  Proprietary  Information to any person or entity for any reason or purpose
whatsoever,  and the Consultant will not make use of any Proprietary Information
for the  Consultant's  own  purposes or for the  benefit of any other  person or
entity (except the Company and its subsidiaries) under any circumstances.

SECTION 6.  INTERPRETATION

         It is expressly  understood and agreed that although the Consultant and
the Company consider the  restrictions  contained in Section 5 of this Agreement
reasonable for the purpose of preserving the goodwill,  proprietary  rights, and
going concern  value of the Company and its  subsidiaries,  if a final  judicial
determination is made by a court having  jurisdiction that the time or territory
or any other restriction contained in Section 5 is an unenforceable  restriction
on the activities of the Consultant,  the provisions of such  restriction  shall
not be  rendered  void but shall be deemed  amended to apply as to such  maximum
time and  territory  and to such  other  extent  as such  court  may  judicially
determine or indicate to be reasonable.  Alternatively, if the court referred to
above finds that any  restriction  contained in Section 5 or any remedy provided
in Section 8 of this Agreement is unenforceable,  and such restriction or remedy
cannot be amended so as to make it  enforceable,  such finding  shall not affect
the enforceability of any of the other restrictions  contained in this Agreement
or the availability of any other remedy. The provisions of Section 5 shall in no
respect limit or otherwise  affect the obligations of the Consultant under other
agreements with the Company.

SECTION 7.  DESIGNS, INVENTIONS, PATENTS AND COPYRIGHTS

         7.1  Intellectual  Property.  The Consultant  shall promptly  disclose,
grant,  and  assign  to the  Company  for its sole use and  benefit  any and all
designs,   inventions,   improvements,   technical  information,   know-how  and
technology,  and suggestions  relating in any way to the products of the Company
or its  subsidiaries  or capable of beneficial use by customers to whom products
or services of the Company or its  subsidiaries  are sold or provided,  that the
Consultant may conceive,  develop, or acquire during the Consultant's consulting
relationship  with the Company or its subsidiaries  (whether or not during usual
working  hours),  together  with all  copyrights,  trademarks,  design  patents,
patents, and applications for copyrights,  trademarks,  design patents, patents,
divisions of pending patent  applications,  applications  for reissue of patents
and specific  assignments of such  applications  that may at any time be granted
for or upon any such designs, inventions,  improvements,  technical information,
know-how, or technology (the "Intellectual Property").

         7.2 Assignments  and  Assistance.  In connection with the rights of the
Company to the Intellectual  Property, the Consultant shall promptly execute and
deliver such applications,  assignments,  descriptions, and other instruments as
may be  necessary or proper in the opinion of the Company to vest in the Company
title to the  Intellectual  Property  and to enable  the  Company  to obtain and
maintain the entire right and title to the Intellectual  Property throughout the
world.  The  Consultant  shall  also  render to the  Company,  at the  Company's
expense,  such  assistance  as the  Company may  require in the  prosecution  of
applications for said patents or reissues thereof, in the prosecution or defense
of  interferences  which may be declared  involving any of said  applications or
patents,  and in any litigation in which the Company or its  subsidiaries may be
involved relating to the Intellectual Property.

         7.3  Copyrights.  The  Consultant  agrees to, and hereby  grants to the
Company,  title to all  copyrightable  material  first  designed,  produced,  or
composed  in the course of or  pursuant  to the  performance  of work under this
Agreement,  which material shall be deemed "works made for hire" under Title 17,
United States Code,  Section 1.01 of the Copyright Act of 1976.  The  Consultant
hereby  grants to the  Company a  royalty-free,  nonexclusive,  and  irrevocable
license to reproduce,  translate, publish, use, and dispose of, and to authorize
others so to do, any and all copyrighted or  copyrightable  material  created by
the Consultant as a result of work performed  under this Agreement but not first
produced or composed by the  Consultant in the  performance  of this  Agreement,
provided that the license  granted by this paragraph shall be only to the extent
the  Consultant now has, or prior to the completion of work under this Agreement
or under any later agreements with the Company or its  subsidiaries  relating to
similar work may acquire,  the right to grant such licenses  without the Company
becoming liable to pay compensation to others solely because of such grant.

         7.4 Patent Compensation.  In consideration for the prompt execution and
delivery of applications,  assignments,  descriptions,  or other  instruments in
connection with any patents or patent  applications the Company agrees to pay to
Consultant  $100 for each United  States patent issued in the name of Consultant
during  the  Consulting  Period or within  two years  after  termination  of the
Consulting Period; provided that the design, invention, improvement, know-how or
technology  forming the basis of such issued  United States patent was conceived
and reduced to practice during the Consulting Period.

SECTION 8.  REMEDIES

         The Consultant acknowledges and agrees that the Company's remedy at law
for a breach or threatened  breach of any of the  provisions of Sections 5 and 7
of this Agreement  would be inadequate  and, in recognition of this fact, in the
event  of a  breach  or  threatened  breach  by  the  Consultant  of  any of the
provisions of Sections 5 and 7, the  Consultant  agrees that, in addition to its
remedy at law, at the Company's option,  all rights of the Consultant under this
Agreement may be terminated,  and the Company shall be entitled  without posting
any bond to  obtain,  and the  Consultant  agrees  not to oppose a request  for,
equitable  relief in the form of  specific  performance,  temporary  restraining
order,  temporary or permanent  injunction,  or any other equitable remedy which
may then be  available.  The  Consultant  acknowledges  that the  granting  of a
temporary injunction, temporary restraining order or permanent injunction merely
prohibiting the use of Proprietary  Information  would not be an adequate remedy
upon breach or threatened  breach of Sections 5 and 7, and  consequently  agrees
upon any such breach or threatened  breach to the granting of injunctive  relief
prohibiting the design, development,  manufacture, marketing or sale of products
and  providing  of  services  of the  kind  designed,  developed,  manufactured,
marketed, sold or provided by the Company or its subsidiaries during the term of
the Consultant's consulting relationship with the Company.  Nothing contained in
this Section 8 shall be construed as prohibiting  the Company from pursuing,  in
addition,  any other  remedies  available  to it for such  breach or  threatened
breach.

SECTION 9.  MISCELLANEOUS PROVISIONS

         9.1 Assignment. This Agreement shall not be assignable by either party,
except by the Company to any  subsidiary  or  affiliate of the Company or to any
successor in interest to the Company's business.

         9.2  Binding Effect. The provisions of this Agreement shall be binding
upon and inure to the benefit of the heirs, personal representatives,successors,
and assigns of the parties.

         9.3 Notice. Any notice or other communication  required or permitted to
be given  under  this  Agreement  shall be in  writing  and  shall be  mailed by
certified mail,  return receipt  requested,  postage  prepaid,  addressed to the
parties at the following addresses:

         As to Consultant:                  ALAN C. FERGUSON
                                            2402 S. Ardson Place
                                            Tampa FL 33629

         As to Company:                     CTD HOLDINGS, INC.
                                            27317 NW 78th Avenue
                                            High Springs FL 32643

All  notices  and  other  communications  shall  be  deemed  to be  given at the
expiration  of three (3) days after the date of mailing.  The address of a party
to which  notices or other  communications  shall be mailed may be changed  from
time to time by giving written notice to the other party.

         9.4 Litigation Expense. In the event of a default under this Agreement,
the defaulting party shall reimburse the  nondefaulting  party for all costs and
expenses  reasonably  incurred by the nondefaulting party in connection with the
default,  including without  limitation  attorney's fees.  Additionally,  in the
event a suit or action is filed to enforce  this  Agreement  or with  respect to
this Agreement, the prevailing party or parties shall be reimbursed by the other
party for all costs and expenses incurred in connection with the suit or action,
including without limitation  reasonable  attorney's fees at the trial level and
on appeal.

         9.5  Waiver.  No waiver of any  provision  of this  Agreement  shall be
deemed,  or shall  constitute,  a waiver of any other provision,  whether or not
similar, nor shall any waiver constitute a continuing waiver. No waiver shall be
binding unless executed in writing by the party making the waiver.

         9.6 Applicable  Law. This  Agreement  shall be governed by and shall be
construed in accordance  with the laws of the state of Florida.  Exclusive venue
for any action  arising  hereunder or in connection  herewith shall lie in state
court in Alachua County, Florida.

         9.7 Entire Agreement.  This Agreement  constitutes the entire Agreement
between the parties  pertaining to its subject  matter,  and it  supersedes  all
prior and contemporaneous agreements, representations, and understandings of the
parties.  No supplement,  modification,  or amendment of this Agreement shall be
binding unless executed in writing by all parties.

Company:                                   Consultant:

CTD HOLDINGS, INC.

          /s/ Rick Strattan                 /s/ Alan C. Ferguson
By:__________________________________    ______________________________________
                                           ALAN C. FERGUSON
Title:President

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