Document:

Employment
      Agreement

    

    EMPLOYMENT
      AGREEMENT made as of August 1, 2006, between Brian Kistler, an individual
      residing at 6461 N 100E, Ossian, Indiana 46777(hereinafter referred to as the
      "Employee") and Freedom Financial Holdings, Inc., a corporation with offices
      at
      421 E. Cook Road, Suite 200, Fort Wayne, Indiana 46825 (hereinafter referred
      to
      as the "Employer"). 

    

    WHEREAS,
      the Employer desires to employ the Employee, and the Employee desires to serve
      as an employee of the Employer on the terms and conditions hereinafter set
      forth.     

    NOW
      THEREFORE, in consideration of the mutual covenants and promises of the parties
      hereto, the Employer and the Employee agree as follows:  

     

    1.
      Employment:
      The
      Employer hereby agrees to employ the Employee as Chief Executive Officer to
      perform managerial and executive functions of the Employer, and the Employee
      hereby agrees to perform such services for the Employer on the terms and
      conditions hereinafter stated, subject to the directives of the Board of
      Directors of the Employer.

    

      2.
      Term
      of Employment:
      The
      term of this Agreement shall begin on August 1, 2006 and shall continue in
      full
      force and effect until August 1, 2009; provided, however, that this Agreement
      shall be automatically renewed on a year-to-year basis thereafter unless
      terminated by either party on at least three (3) months prior written notice
      during any given year, unless sooner terminated as provided herein.
      Notwithstanding the foregoing, the Employer may terminate this Agreement at
      any
      time without cause upon thirty (30) day’s written notice to Employee in which
      event the Employer shall pay severance to Employee pursuant to Section 8(g)
      hereof.

    

    3.
      Compensation:
      During
      the term of this Agreement, for all services rendered by Employee under this
      Agreement, the Employer shall pay the Employee an annual base salary of one
      hundred twenty thousand dollars ($120,000) per annum, payable in arrears at
      a
      rate of five thousand dollars ($5,000) on the fifteenth and last day of each
      month. The Employee's base salary may be increased by the Board of Directors
      from time to time in its sole and absolute discretion. In addition to the annual
      base salary described in this Section, Employee may receive cash performance
      bonuses in the sole and absolute discretion of the Board of Directors of the
      Employer. The Company shall pay a bonus in the amount of one hundred twenty
      thousand dollars ($120,000) to the Employee in consideration of services
      performed in connection with an initial public offering of the Company, payable
      upon the close of such public offering.

     

    4.
      Fringe
      Benefits:

      

    (a)
      During the term hereof, commencing on the day and year first above written,
      the
      Employer shall (i) provide the Employee and his immediate family with medical
      and hospitalization insurance substantially similar to that provided for the
      other executive personnel of the Employer in similar management positions,
      (ii)
      reimburse the Employee and his immediate family for dental expenses incurred
      each year (such reimbursement shall be in addition to any dental insurance
      provided to the Employee and his immediate family under any dental plan from
      time to time maintained by the Company), (iii) reimburse the Employee for
      expenses incurred in connection with the purchase by Employee of membership
      in a
      fitness or exercise program reasonably acceptable to the Company, (iv) reimburse
      the Employee for the reasonable and customary cost of an annual physical
      examination, (v) provide to the Employee dependent group medical coverage upon
      terms and conditions satisfactory to the Company without charge to the Employee
      and, (vi) life insurance in an amount equal to [2]
      times
      Employee's annual base salary.

     

    
      
         

      

      
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    (b)
      The
      Employee is authorized to incur on behalf of the Employer only such reasonable
      expenses (including travel and entertainment) in connection with the business
      of
      the Employer as are in conformity with the Employer's published guidelines.
      The
      Employer shall reimburse Employee for all such reasonable expenses incurred
      in
      connection with the business of the Employer upon the presentation by the
      Employee, from time to time, of an itemized account of such expenditures, which
      account shall be in form and substance in conformity with the rules and
      regulations of the Internal Revenue Service. 

     

    (c)
      During the term hereof, the Employer shall provide Employee with an automobile
      expense allowance equal to $6,000 dollars ($.500) per month.

    

    5.
      Duties
      and Extent of Services:
      Upon the
      execution of this Agreement and throughout its term, the Employee shall assume
      the position of Chief Executive Officer for the Employer and shall undertake
      all
      of the duties incident to such office in addition to rendering all such other
      management duties as the Board of Directors may reasonably request. The parties
      hereto shall take whatever action is necessary to cause the election or
      appointment of the Employee to such position. The Employee shall exert his
      best
      efforts and shall devote his full time and attention to the affairs of the
      Employer. During the term of this Agreement the Employee shall not, directly
      or
      indirectly, alone or as a member of a partnership (in the capacity of a general
      partner) or limited liability company (in the capacity of a manager), or as
      an
      officer, director, significant shareholder (i.e., owning or holding beneficially
      or of record five percent (5%) or more of the voting shares of an entity),
      or
      employee of any other corporation or entity, be engaged in or concerned with
      any
      other duties or pursuits whatsoever for pecuniary gain requiring his personal
      services without the prior written consent of the Employer. 

     

    6.
      Vacation:
      During
      each year of the term of this Agreement, the Employee shall be entitled to
      thirty (30) days vacation. 

    

    7.
      Termination:
      Unless
      renewed as provided herein, the Employee's employment hereunder shall terminate
      on August 1, 2009, or sooner upon the occurrence of any of the following events:
      

    

    (a)
      The
      Employee's death;

     

    (b)
      The
      termination of the Employee's employment hereunder by the Employer, at its
      option, to be exercised by written notice from the Employer to the Employee,
      upon the Employee's incapacity or inability to perform his services as
      contemplated herein for a period of at least sixty (60) consecutive days or
      an
      aggregate of one hundred twenty (120) consecutive or non-consecutive days during
      any twelve-month period during the term hereof due to the fact that his physical
      or mental health shall have become impaired so as to make it impossible or
      impractical for him to perform the duties and responsibilities contemplated
      for
      him hereunder; or 

     

    
      
         

      

      
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    (c)
      The
      termination for cause of the Employee's employment hereunder by the Employer,
      at
      its option, to be exercised by written notice from the Employer to the Employee
      in the event the Employee is derelict in his duties or commits any misconduct
      with respect to the Employer's affairs and such dereliction or misconduct shall
      continue for a period of thirty (30) days after the Employer shall have given
      the Employee written notice specifying such dereliction or misconduct, and
      advising him that the Employer shall have the right to terminate his employment
      hereunder in the event such misconduct continues through such 30-day period.
      

     

    (d)
      In
      the event that the Employee commits an act constituting common law fraud or
      any
      crime, which could reasonably be expected to have an adverse impact on the
      Employer, its business or assets. 

     

    (e)
      In
      the event that the Employee should fail (otherwise than on account of illness
      or
      other incapacity) or refuse to carry out the reasonable directives of the Board
      of Directors of the Employer, and such failure or refusal shall continue for
      a
      period of thirty (30) days after the Employer shall have given the Employee
      written notice specifying such directives and wherein the Employee has failed
      or
      refused to carry out the same, and advising him that the Employer shall have
      the
      right to terminate his employment hereunder in the event such failure or refusal
      continues through such 30-day period. 

     

    (f)
      Cessation of the Employer's business. 

     

    (g)
      On
      thirty (30) days written notice from the Employer pursuant to Section 2 hereof.
      If (i) the Employer terminates this Agreement pursuant to Section 2 hereof
      on
      thirty (30) days notice without cause or (ii) there is a Change in Control
      (as
      hereinafter defined) that occurs prior to the expiration or termination of
      this
      Agreement and, within twelve (12) months after the Change in Control, (A)
      Employee's employment is terminated by the Employer otherwise than for the
      reasons set forth in Sections (7) (a), (b), (c), (d), (e) and/or (f) hereof
      or
      (B) Employee terminates his employment for Good Reason (as hereinafter defined),
      then Employer shall pay to Employee as severance pay, a total amount equal
      to
      (i) two times his most recent annual base salary, payable in twelve (12) equal
      consecutive monthly installments (without interest) beginning one (1) month
      after such termination plus (ii) the fringe benefits described in Section 5(a)
      for the twelve (12)-month period commencing on the effective date of such
      termination.

    

    Employee
      expressly understands that payment of such severance pay and benefits (or
      portion thereof if such payments terminate pursuant to the last sentence of
      this
      paragraph) represents liquidated damages in full and final settlement of any
      and
      all amounts owed by Employer to Employee under this Agreement or otherwise
      except for the accrued portion, if any, of any bonus, stock option, commission,
      vacation or other benefit to which Employee is expressly entitled pursuant
      to
      any formal, written plan or agreement maintained by the Employer.
      Notwithstanding the foregoing, if Employee obtains full-time employment from
      any
      person or entity or accepts an engagement as a self-employed consultant or
      similar position during such 12-month period, then, upon commencement of any
      such employment or engagement, the severance pay and benefits payable under
      this
      Section 8(g) shall immediately be and be deemed reduced by an amount equal
      to
      the compensation and/or benefits payable by such other employment or engagement
      and the Employer shall have no further obligation to Employee under this
      Agreement or otherwise.

     

    
      
         

      

      
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    (h)
      As
      used in this Agreement, the following terms have the meanings set forth
      below:

    

    (i)
      "Affiliate" of a person means any person directly or indirectly controlling,
      controlled by or under common control with the first person.

    

    (ii)
      "Associate" has the meaning ascribed thereto in Rule 12b-2 under the Exchange
      Act as in effect on the date hereof.

    

    (iii)
      "Change in Control" means the occurrence of any of the following
      events:

    

    (A)
      A
      consolidation, merger, combination or other transaction between Parent or
      Employer, and any other corporation or other legal entity (other than an
      Affiliate of Parent or Employer) in which shares of common stock of Parent
      or
      Employer are exchanged for or changed into other stock or securities, cash
      and/or other property, if as a result of such transaction less than fifty
      percent (50%) of the combined voting power of the common stock (or other
      securities entitled to vote generally in the election of directors) of the
      surviving or resulting entity is beneficially owned (as hereinafter defined)
      by
      the beneficial owners of the Parent's or Employer's common stock as the case
      may
      be as of the date hereof ("Current Shareholders") and the number of persons
      serving on the Board of Directors of the surviving or resulting entity who
      are
      Affiliates, Associates, designees or nominees of any single "person" (as defined
      in Section 13(d)(3) of the Exchange Act) other than the Current Shareholders
      is
      greater than the number of persons serving on such Board of Directors who are
      Affiliates, Associates, designees or nominees of the Current
      Shareholders;

    

    (B)
      A
      sale of all or at least fifty percent (50%) (measured by book value as of the
      most recent annual or quarterly balance sheet) of the assets of Parent or
      Employer to another corporation or other legal entity (other than one of the
      Current Shareholders or any Affiliate of Parent or Employer); and

    

    (C)
      A
      sale or other disposition of shares of common stock of Parent or Employer by
      the
      Current Shareholders to any corporation or other legal entity (other than one
      of
      the Current Shareholders or any Affiliate of Parent or Employer) as a result
      of
      which less than fifty percent (50%) of the then-outstanding common stock of
      Parent or Employer is beneficially owned (as hereinafter defined) by the Current
      Shareholders and the number of persons serving on Parent's or Employer's Board
      of Directors who are Affiliates, Associates, designees or nominees of any single
      "person" (as defined in Section 13(d)(3) of the Exchange Act) other than the
      Current Shareholders is greater than the number of persons serving on Parent's
      or Employer's Board of Directors who are Affiliates, Associates, designees
      or
      nominees of the Current Shareholders.

     

    
      
         

      

      
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    Beneficial
      ownership will be determined by applying the definition set forth in Rule 13d-3
      under the Exchange Act as in effect on the date hereof. Also, for purposes
      of
      this Agreement, any person who, on the date on which a Change in control occurs,
      is serving on Parent's or Employer's Board of Directors will deemed to be an
      Affiliate, Associate, designee or nominee of the Current Shareholders after
      the
      Change in Control for as long as such person serves as a director of Parent
      or
      Employer or of any entity that survives or results from a transaction described
      in Section 8(h)(iii).

    

    (iv)
      "Employer" includes any successor to all or substantially all of the business
      or
      assets of the Employer.

    

    (v)
      "Exchange Act" means the Securities Exchange Act of 1934, as amended form time
      to time.

    

    (vi)
      "Good Reason" means that, following a Change in Control and without Employee's
      written consent, (A) there has been a material and significant adverse change
      in
      the nature or scope of Employee's authority, duties or responsibilities in
      effect immediately prior to the Change in Control; (B) there has been a
      reduction in Employee's annual base salary in effect immediately prior to the
      Change in Control or an adverse change in Employee's total compensation such
      that Employee's compensation and benefits in the aggregate are not materially
      comparable to his aggregate compensation and benefits in effect immediately
      prior to the Change in Control; or (C) the principal place of Employee's
      employment is relocated to a place that is more than one hundred (100) miles
      from the principal place of Employee's employment immediately prior to the
      Change in Control or Employee is required to be away from his office in the
      course of discharging his duties and responsibilities materially and
      significantly more than was required prior to the Change in
      Control.

    

    In
      the
      event of any termination (other than by the Employer without cause on thirty
      (30) days’ notice pursuant to Section 2), the Employer shall pay to the Employee
      such portion of his annual base salary payable to the date such termination
      becomes effective (reduced by any amount payable pursuant to any disability
      insurance policies), and thereafter the Employee shall have no claim for any
      further compensation hereunder; provided, however, that in the event of the
      Employee's death, his death shall be deemed to have occurred on the last day
      of
      the month in which he dies. Upon any termination Employee shall also receive
      all
      the benefits to which he is entitled under the Consolidated Omnibus Budget
      Reconciliation Act ("COBRA"), provided that if the Employee is entitled to
      receive severance and fringe benefits described in Section 8(g), COBRA benefits
      shall commence at the expiration of the twelve (12) month (or such shorter
      period) as is provided in such Section.

    

    8.
      Restrictions
      On The Employee:
      During
      the period commencing on the date hereof and ending two (2) years after the
      termination of the Employee's employment by the Employer for any reason, the
      Employee shall not directly or indirectly induce or attempt to induce any of
      the
      employees of the Employer to leave the employ of Employer. If this Agreement
      is
      terminated by the Employer pursuant to Section 2 hereof, the foregoing 2-year
      period shall be reduced to one (1) year.

     

    
      
         

      

      
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    9.
      Covenant
      Not To Compete:
      During
      the period commencing on the date hereof, and ending on the termination of
      the
      Employee's employment for any reason, the Employee shall not, except as a
      passive investor in publicly held companies, engage in, or own or control any
      interest in, or act as principal, director, officer or employee of, or
      consultant to, any firm or corporation which is in competition with the Employer
      or its Parent.

     

    10.
      Proprietary
      Information:
       

     

    (a)
      For
      purposes of this Agreement, "proprietary information" shall mean any proprietary
      information relating to the business of the Employer or its Parent or any entity
      in which the Employer or its Parent has a controlling interest that has not
      previously been publicly released by duly authorized representatives of the
      Employer and shall include (but shall not be limited to) information encompassed
      in all proposals, marketing and sales plans, financial information, costs,
      pricing information, computer programs (including without limitation source
      code, object code, algorithms and models), customer information, customer lists,
      and all methods, concepts, know-how or ideas in or reasonably related to the
      business of Employer or any entity in which the Employer has a controlling
      interest. The Employee agrees to regard and preserve as confidential all
      proprietary information, whether he has such information in his memory or in
      writing or other tangible or intangible form. The Employee will not, without
      written authority from the Employer to do so, directly or indirectly, use for
      his benefit or purposes, nor disclose to others, either during the term of
      his
      employment hereunder or thereafter, any proprietary information except as
      required by the conditions of his employment hereunder or pursuant to court
      order (in which case Employee shall give the Employer prompt written notice
      so
      that the Employer may seek a protective order or other appropriate remedy and/or
      waive compliance with the provisions of this Agreement. The Employee agrees
      not
      to remove from the premises of the Employer or any subsidiary or affiliate
      of
      the Employer, except as an employee of the Employer in pursuit of the business
      of the Employer or any of its subsidiaries, affiliates or any entity in which
      the Employer has a controlling interest, or except as specifically permitted
      in
      writing by the Employer, any document or object containing or reflecting any
      proprietary information. The Employee recognizes that all such documents and
      objects, whether developed by him or by someone else, are the exclusive property
      of the Employer. Proprietary information shall not include information which
      is
      presently in the public domain or which comes into the public domain through
      no
      fault of the Employee or which is disclosed to the Employee by a third party
      lawfully in possession of such information with a right to disclose
      same.

    

    (b)
      All
      proprietary information and all of the Employee's interest in trade secrets,
      trademarks, computer programs, customer information, customer lists, employee
      lists, products, procedure, copyrights, patents and developments hereafter
      to
      the end of the period of employment hereunder developed by the Employee as
      a
      result of, or in connection with, his employment hereunder, shall belong to
      the
      Employer; and without further compensation, but at the Employer's expense,
      forthwith upon request of the Employer, Employee shall execute any and all
      such
      assignments and other documents and take any and all such other action as
      Employer may reasonably request in order to vest in Employer all the Employee's
      right, title and interest in and to all of the aforesaid items, free and clear
      of liens, charges and encumbrances. 

     

    
      
         

      

      
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    (c)
      The
      Employee expressly agrees that the covenants set forth in Sections 9, 10 and
      11
      of this Agreement are being given to Employer in connection with the employment
      of the Employee by Employer and that such covenants are intended to protect
      Employer against the competition by the Employee, within the terms stated,
      to
      the fullest extent deemed reasonable and permitted in law and equity. In the
      event that the foregoing limitations upon the conduct of the Employee are beyond
      those permitted by law, such limitations, both as to time and geographical
      area,
      shall be, and be deemed to be, reduced in scope and effect to the maximum extent
      permitted by law. 

    

    11.
      Injunctive
      Relief:
      The
      Employee acknowledges that the injury to the Employer resulting from any
      violation by him of any of the covenants contained in this Agreement will be
      of
      such a character that it cannot be adequately compensated by money damages,
      and,
      accordingly, the Employer may, in addition to pursuing its other remedies,
      obtain an injunction from any court having jurisdiction of the matter
      restraining any such violation.

    

    12.
      Representation
      of Employee:
      The
      Employee represents and warrants that neither the execution and delivery of
      this
      Agreement nor the performance of his duties hereunder violates the provisions
      of
      any other agreement to which he is a party or by which he is bound.

      

    13.
      Parties;
      Non-Assignability:
      As
      used herein, the term the "Employer" shall mean and include the Employer, its
      Parent and any subsidiary thereof and any successor thereto unless the context
      indicates otherwise. Any assignment of this Agreement shall be subject to the
      provisions of Section 8(g). This Agreement and all rights hereunder are personal
      to the Employee and shall not be assignable by him and any purported assignment
      shall be null and void and shall not be binding on the Employer. 

    

    

    14.
      Entire
      Agreement:
      This
      Agreement contains the entire agreement between the parties hereto with respect
      to the transactions contemplated herein and supersedes all previous
      representations, negotiations, commitments, and writing with respect
      thereto.

      

    15.
      Amendment
      or Alteration:
      No
      amendment or alteration of the terms of this Agreement shall be valid unless
      made in writing and signed by all of the parties hereto.

      

    16.
      Choice
      of Law:
      This
      Agreement shall be governed by the laws of the State of Indiana.

    

    17.
      Arbitration:
      Any
      controversy, claim, or breach arising out of or relating to this Agreement
      or
      the breach thereof shall be settled by arbitration in Fort Wayne, Indiana in
      accordance with the rules of the American Arbitration Association and the
      judgment upon the award rendered shall be entered by consent in any court having
      jurisdiction thereof.

     

    
      
         

      

      
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    18.
      Notices:
      Any
      notices required or permitted to be given under this Agreement shall be
      sufficient if in writing, and if sent by registered mail to the residence of
      the
      Employee, or to the principal office of the Employer, respectively.

     

    19.
      Waiver
      of Breach:
      The
      waiver by any party hereto of a breach of any provision of this Agreement shall
      not operate or be construed as a waiver of any subsequent breach by any of
      the
      parties hereto. 

     

    21.
      Binding
      Effect:
      The
      terms of this Agreement shall be binding upon and inure to the benefit of the
      parties hereto and their respective personal representatives, heirs,
      administrators, successors, and permitted assigns. 

    

    22.
      Gender:
      Pronouns in any gender shall be construed as masculine, feminine, or neuter
      as
      the context requires in this Agreement.

    

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

    

    Freedom
      Financial Holdings, Inc.

    

    

    By:  
      /s/

    
      
        

      

    

    Brian
      Kistler, Chief Executive Officer

     

    
 /s/

    
      

    

    Brian
      Kistler

    

    
      
         

      

      
        8Freedom
      Financial Mortgage Corporation

    421
      East
      Cook Road, Suite 200

    Fort
      Wayne, Indiana 46825

    April
      28,
      2006

    

    Rodney
      J.
      Sinn

    17225
      North State Rd 1

    Spencerville,
      IN 46788

    

    Dear
      Rodney:

     

    This
      letter is being delivered in connection with your continued employment by
      Freedom Financial Mortgage Corporation, an Indiana corporation (the
“Company”).
      By
      signing this letter, you agree that this letter sets forth the basic terms
      and
      conditions of your employment. 

     

    1.  Salary.
      Your
      annual salary is currently set at $180,000. You will receive a bonus of 20%
      of
      the total fees generated by you for the Company.

     

    2.  Duties.
      Your job title is President. As an exempt employee, you are
      required to exercise your specialized expertise, independent judgment and
      discretion to provide high-quality services. 

     

    3.  Hours
      of Work. As an exempt employee, you are expected to work the number of hours
      required to get the job done. However, you are generally expected to be present
      during normal working hours of the Company. Normal working hours will be
      established by the Company and may be changed as needed to meet the needs of
      the
      business.

     

    4.  Immigration
      Documentation. Please be advised that your continued employment is
      contingent on your ability to prove your identity and authorization to work
      in
      the U.S. for the Company. You must comply with the Immigration and
      Naturalization Service’s employment verification requirements.

     

    5.  Representation
      and Warranty of Employee. You represent and warrant to the Company that the
      performance of your duties has not violated and will not violate any agreements
      with or trade secrets of any other person or entity.

     

    6.  Employee
      Benefits. You will be eligible to receive paid time off (“PTO”)
      from
      work for vacations, personal business, personal illness or family business
      in
      accordance with the Company’s current PTO policy. You are also eligible to
      receive the Company’s standard health insurance benefits and dental insurance
      benefits, as provided in benefit plans currently, or to be, maintained by the
      Company. These benefits may change from time to time. You will be covered by
      workers’ compensation insurance and State Disability Insurance, as required by
      state law.

     

    7.  Equity-Based
      Compensation. You may be eligible to receive awards of equity-based
      compensation (e.g., options to acquire shares of the capital stock of the
      Company or the opportunity to purchase restricted shares of such stock) pursuant
      to one or more employee benefit plans maintained by the Company from time to
      time for such purpose; however, any such compensation shall be (i) solely
      within the discretion of the Board (or a Committee of the Board maintained
      for
      such purpose) and (ii) subject to the terms of any definitive agreement
      with respect thereto.

     

    
      
         

      

      
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    8.  Term
      of Employment. Your employment with the Company shall remain “at-will”
after
      the effective date of this Agreement. In other words, either you or the Company
      can terminate your employment at any time for any reason, with or without cause
      and with or without notice.

     

    9.  Dispute
      Resolution Procedure. You and the Company (the “parties”)
      agree
      that any dispute arising out of or related to the employment relationship,
      including the termination of that relationship and any allegations of unfair
      or
      discriminatory treatment arising under state or federal law or otherwise, to
      the
      maximum extent permitted by law, shall be resolved by final and binding
      arbitration, except where the law specifically forbids the use of arbitration
      as
      a final and binding remedy, or where section (d) below specifically allows
      a
      different remedy. The following dispute resolution procedure shall
      apply:

     

    (a)  The
      party
      claiming to be aggrieved shall furnish to the other party a written statement
      of
      the grievance identifying any witnesses or documents that support the grievance
      and the relief requested or proposed.

     

    (b)  The
      responding party shall furnish a statement of the relief, if any, that it is
      willing to provide, and the witnesses or documents that support its position
      as
      to the appropriate action. The parties can mutually agree to waive this step.
      If
      the matter is not resolved at this step, the parties shall submit the dispute
      to
      non-binding mediation before a mediator to be jointly selected by the parties.
      The Company will pay the cost of the mediation.

     

    (c)  If
      the
      mediation does not produce a resolution of the dispute, the parties agree that
      the dispute shall be resolved by final and binding arbitration. The parties
      shall attempt to agree to the identity of an arbitrator, and, if they are unable
      to do so, they will obtain a list of arbitrators from the Federal Mediation
      and
      Conciliation Service and select an arbitrator by striking names from that
      list.

     

    The
      arbitrator shall have the authority to determine whether the conduct complained
      of in subsection (a) of this section violates the rights of the complaining
      party and, if so, to grant any relief authorized by law, subject to the
      exclusions of subsection (d) below. The arbitrator shall not have the authority
      to modify, change or refuse to enforce the terms of any employment agreement
      between the parties. In addition, the arbitrator shall not have the authority
      to
      require the Company to change any lawful policy or benefit plan.

     

    The
      hearing shall be transcribed. The Company shall bear the costs of the
      arbitration if you prevail. If the Company prevails, you will pay half the
      cost
      of the arbitration or $500, whichever is less. Each party shall be responsible
      for paying its own attorneys fees.

     

    
      
         

      

      
        2

        
          

        

      

      
         

      

    

     

    Arbitration
      shall be the exclusive final remedy for any dispute between the parties, to
      the
      maximum extent permitted by law, including but not limited to disputes involving
      claims for discrimination or harassment (such as claims under the Fair
      Employment and Housing Act, Title VII of the Civil Rights Act of 1964, the
      Americans with Disabilities Act, or the Age Discrimination in Employment Act),
      wrongful termination, breach of contract, breach of public policy, physical
      or
      mental harm or distress or any other disputes, and the parties agree that no
      dispute shall be submitted to arbitration where the party claiming to be
      aggrieved has not complied with the preliminary steps provided for in
      subsections (a) and (b) above.

     

    The
      parties agree that the arbitration award shall be enforceable in any court
      having jurisdiction to enforce this Agreement, so long as the arbitrator’s
      findings of fact are supported by substantial evidence on the whole and the
      arbitrator has not made errors of law; provided,
      however,
      that
      either party may bring an action in a court of competent jurisdiction regarding
      or related to matters involving the Company’s confidential, proprietary or trade
      secret information, or regarding or related to inventions that you may claim
      to
      have developed prior to joining the Company or after joining the Company. The
      parties further agree that, for violations of your confidentiality, proprietary
      information or trade secret obligations which the parties have elected to submit
      to arbitration, the Company retains the right to seek preliminary injunctive
      relief in court in order to preserve the status quo or prevent irreparable
      injury before the matter can be heard in arbitration.

     

    (d)  The
      Company reserves the right to modify, change or cancel this provision upon
      30 days written notice. However, such cancellation shall not affect matters
      which have already been submitted to arbitration.

     

    10.  Integrated
      Agreement.
      Please
      note that this Agreement supersedes any prior agreements, representations or
      promises of any kind, whether written, oral, express or implied between the
      parties hereto with respect to the subject matters herein. It constitutes the
      full, complete and exclusive agreement between you and the Company with respect
      to the subject matters herein. This agreement cannot be changed unless in
      writing, signed by you and the Chief Executive Officer or President of the
      Company.

     

    
      
         

      

      
        3

        
          

        

      

      
         

      

    

     

    11.  Severability.
      If any
      term of this Agreement is held to be invalid, void or unenforceable, the
      remainder of this Agreement shall remain in full force and effect and shall
      in
      no way be affected; and, the parties shall use their best efforts to find an
      alternative way to achieve the same result.

     

    In
      order
      to confirm your agreement with these terms, please sign one copy of this letter
      and return it to me. The other copy is for your records. If there is any matter
      in this letter which you wish to discuss further, please do not hesitate to
      speak to me.

    
      	 	 	 
	 	Very truly yours,
	 	 
	 	Freedom Financial
              Mortgage Corporation
	 
 	 
 	 
 
	
            	By:  	/s/
	 	
              
Rodney
              J. Sinn, Its
              President

    

     

    I
      agree
      to the terms of employment set forth in this Agreement.

     

    
      	 	 	 	 
	Signature: /s/	 	 	April 28, 2006
	
              
                

              

              Name (printed): Rodney J. Sinn  

            	 	 	Date

    

      

     

    
      
         

      

      
        4

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