Document:

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                                                                   EXHIBIT 10.51

                            STOCK PURCHASE AGREEMENT

                                  BY AND AMONG

                        AMVESTORS FINANCIAL CORPORATION,

                  CREATIVE MARKETING INTERNATIONAL CORPORATION

                                       AND

                               THE STOCKHOLDERS OF

                  CREATIVE MARKETING INTERNATIONAL CORPORATION

                                FEBRUARY 1, 2000

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                                TABLE OF CONTENTS
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ARTICLE  1: DEFINITIONS...........................................................................................1

ARTICLE  2: PURCHASE AND SALE.....................................................................................3

         2.1.   Purchase and Sale.................................................................................3
         2.2.   Purchase Price....................................................................................3

ARTICLE  3: CLOSING...............................................................................................4

         3.1.   Time and Place of Closing.........................................................................4
         3.2.   Deliveries at Closing.............................................................................4

ARTICLE  4: REPRESENTATIONS AND WARRANTIES OF SELLERS.............................................................5

         4.1.   Organization and Standing.........................................................................5
         4.2.   Capital Stock; Options............................................................................5
         4.3.   Authorization.....................................................................................6
         4.4.   Subsidiaries and Affiliates.......................................................................6
         4.5.   No Violation......................................................................................6
         4.6.   Governmental Authorities..........................................................................6
         4.7.   Financial Statements..............................................................................6
         4.8.   No Undisclosed Liabilities, Claims, etc...........................................................6
         4.9.   Absence of Certain Changes........................................................................6
         4.10.  Contracts.........................................................................................7
         4.11.  True and Complete Copies..........................................................................7
         4.12.  Title and Related Matters.........................................................................7
         4.13.  Litigation........................................................................................9
         4.14.  Tax Matters.......................................................................................9
         4.15.  Government Contracts.............................................................................11
         4.16.  Compliance with Law..............................................................................11
         4.17.  Absence of Certain Business Practices............................................................11
         4.18.  ERISA and Related Employee Benefit Matters.......................................................12
         4.19.  Intellectual Property............................................................................14
         4.20.  Labor Relations..................................................................................14
         4.21.  Insurance........................................................................................15
         4.22.  Environmental....................................................................................15
         4.23.  Capital Expenditures.............................................................................17
         4.24.  Suppliers........................................................................................17
         4.25.  Dealings with Affiliates.........................................................................17
         4.26.  Bank Accounts....................................................................................17
         4.27.  Compensation.....................................................................................17
         4.28.  Insurance Licenses...............................................................................17
         4.29.  Consultants, Brokers and Finders.................................................................17

ARTICLE  5: REPRESENTATIONS AND WARRANTIES OF BUYER..............................................................17

         5.1.   Organization and Standing........................................................................18
         5.2.   No Violation.....................................................................................18
         5.3.   Governmental Authorities.........................................................................18
         5.4.   Consultants, Brokers and Finders.................................................................18
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ARTICLE  6: CONDITIONS TO CLOSING................................................................................18

         6.1.   Conditions to Obligation of Buyer................................................................18
         6.2.   Conditions to Obligation of Sellers..............................................................19

ARTICLE  7: INDEMNIFICATION; REMEDIES............................................................................19

         7.1.   Investigations; Survival of Warranties and Indemnification Obligations...........................19
         7.2.   Indemnification by Sellers.......................................................................20
         7.3.   Indemnification By Buyer.........................................................................20
         7.4.   Notice of Claim; Payment.........................................................................20
         7.5.   Construction.....................................................................................22
         7.6    Limitations on Indemnity.........................................................................22

ARTICLE  8: MISCELLANEOUS........................................................................................22

         8.1.   Payment of Expenses..............................................................................22
         8.2.   Announcements....................................................................................22
         8.3.   Assignment and Binding Effect....................................................................22
         8.4.   Waivers..........................................................................................22
         8.5.   Notices..........................................................................................23
         8.6.   Kansas Law to Govern.............................................................................23
         8.7.   No Benefit to Others.............................................................................23
         8.8.   Entire Agreement; Amendments.....................................................................24
         8.9.   Exhibits and Schedules...........................................................................24
         8.10.  Cooperation......................................................................................24
         8.11.  Severability.....................................................................................24
         8.12.  Counterparts.....................................................................................24
         8.13.  Representation By Counsel; Interpretation........................................................24
         8.14.  No Contribution; Indemnity.......................................................................24
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                            STOCK PURCHASE AGREEMENT

                  THIS STOCK PURCHASE AGREEMENT (this "Agreement"), dated as of
February 1, 2000, is made by and among AMVESTORS FINANCIAL CORPORATION, a Kansas
corporation ("Buyer"), CREATIVE MARKETING INTERNATIONAL CORPORATION, a Kansas
corporation (the "Company"), and the stockholders of the Company identified on
the signature page hereto (each a "Seller" and collectively, "Sellers").

                                    RECITALS

                  WHEREAS, as of January 31, 2000, all of the 4% Convertible
Debentures Due 2004 issued by the Company to Buyer on March 5, 1999 (the
"Debentures") were converted into shares of common stock, $1.00 par value, of
the Company (the "Common Stock"), representing 45% of the then issued and
outstanding shares of Common Stock; and

                  WHEREAS, Sellers own 70,800 shares of Common Stock,
representing 55% of the shares of Common Stock issued and outstanding at the
time of execution hereof (the "Shares"); and

                  WHEREAS, Sellers desire to sell, and Buyer desires to
purchase, the Shares for the consideration and on the terms and conditions set
forth in this Agreement; and

                  WHEREAS, following the conversion of the Debentures into
shares of Common Stock and the purchase of the Shares from Sellers, Buyer will
own 100% of the issued and outstanding shares of Common Stock;

                                    AGREEMENT

                  NOW, THEREFORE, in consideration of the foregoing premises and
respective covenants, representations and warranties herein contained and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, and intending to be legally bound hereby, the parties hereto agree
as follows:

                                  ARTICLE  1:
                                  DEFINITIONS

                  For purposes of this Agreement, the following terms have the
meanings specified or referred to in this Article 1:

                  "Affiliates" shall have the meaning set forth in Section 4.4.

                  "Agreement" shall have the meaning set forth in the preamble
of this Agreement.

                  "Balance Sheet(s)" shall have the meaning set forth in Section
4.7.

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                  "Base Amount" shall have the meaning set forth in Section 2.2.

                  "Buyer" shall have the meaning set forth in the preamble of
this Agreement.

                  "Buyer Closing Deliveries" shall have the meaning set forth in
Section 3.2.

                  "Closing" shall have the meaning set forth in Section 3.1.

                  "Closing Date" shall have the meaning set forth in Section
3.1.

                  "Code" shall have the meaning set forth in Section 4.14.

                  "Common Stock" shall have the meaning set forth in the
Recitals of this Agreement.

                  "Company" shall have the meaning set forth in the preamble of
this Agreement.

                  "Contracts" shall have the meaning set forth in Section 4.10.

                  "Damages" shall have the meaning set forth in Section 7.2.

                  "Debentures" shall have the meaning set forth in the Recitals
of this Agreement.

                  "Earnout Amount" shall have the meaning set forth in Schedule
2.2.

                  "Employment Agreements" shall have the meaning set forth in
Section 3.2.

                  "Encumbrances" shall mean all mortgages, security interests,
liens, pledges, claims, escrows, options, rights of first refusal, indentures,
easements, licenses, security agreements or other agreements, arrangements,
contracts, commitments, understandings, obligations, charges or encumbrances of
any kind or character.

                  "Environmental Laws and Regulations" shall have the meaning
set forth in Section 4.22.

                  "ERISA" shall have the meaning set forth in Section 4.18.

                  "GAAP" means generally accepted accounting principles.

                  "Hazardous Materials" shall have the meaning set forth in
Section 4.22.

                  "Income Statements" shall have the meaning set forth in
Section 4.7.

                  "Indemnified Persons" shall have the meaning set forth in
Section 7.2.

                  "IRS" shall have the meaning set forth in Section 4.14.

                  "Intellectual Property Rights" shall have the meaning set
forth in Section 4.19.

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                  "Key Employees" means employees of the Company who have
material relationships with the Company's customers.

                  "Knowledge" means the actual knowledge of the subject person
and that knowledge that would be obtained or realized upon the subject person's
reasonable and prudent inquiry into the matter after having been put on notice
(including constructive notice provided for under applicable statutory or
regulatory provisions) of the need to so inquire.

                  "Laws" shall include, without limitation, all foreign,
federal, state and local laws, statutes, rules, regulations, codes, ordinances,
plans, orders, judicial decrees, writs, injunctions, notices, decisions or
demand letters issued, entered or promulgated pursuant to any foreign, federal,
state or local law.

                  "Lease Restrictions" shall have the meaning set forth in
Section 4.12.

                  "Licenses" shall have the meaning set forth in Section 4.28.

                  "Matter" shall have the meaning set forth in Section 4.13

                  "Objected Claim" shall have the meaning set forth in Section
7.4.

                  "Pension Benefit Plan" shall have the meaning set forth in
Section 4.18.

                  "Purchase Price" shall have the meaning set forth in Section
2.2.

                  "Seller(s)" shall have the meaning set forth in the preamble
of this Agreement.

                  "Seller Closing Deliveries" shall have the meaning set forth
in Section 3.2.

                  "Shares" shall have the meaning set forth in the Recitals of
this Agreement.

                  "Taxes" shall have the meaning set forth in Section 4.14.

                  "Threshold Amount" shall have the meaning set forth in Section
7.6.

                  "Welfare Benefit Plan" shall have the meaning set forth in
Section 4.18.

                                   ARTICLE 2:
                                PURCHASE AND SALE

                  2.1. Purchase and Sale. Upon the terms and subject to the
conditions of this Agreement, and for the consideration specified in Section 2.2
hereof, at the Closing, Sellers shall sell and transfer the Shares to Buyer and
Buyer shall purchase and acquire the Shares from Sellers.

                  2.2. Purchase Price. The aggregate total purchase price for
the Shares (the "Purchase Price") shall be (i) $8,000,000 (the "Base Amount")
plus (ii) the Earnout Amount.

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The Base Amount shall be paid to Sellers at the Closing and the Earnout Amount,
if any, shall be paid to Sellers in accordance with the terms and conditions set
forth in Schedule 2.2. Both the Base Amount and the Earnout Amount shall be paid
to Sellers in the proportions set forth in Schedule 2.2.

                                   ARTICLE 3:
                                     CLOSING

                  3.1. Time and Place of Closing. The consummation of the
transactions contemplated hereby (the "Closing") shall take place on or before
February 1, 2000, at the offices of Bryan Cave LLP, 1200 Main Street, Suite
3500, Kansas City, Missouri 64105. Each party shall cooperate, as to matters
under such party's control, in the satisfaction of conditions to the obligations
of the parties at Closing; provided that the foregoing shall not require any
party to waive any condition herein to its obligations at Closing or to incur
any substantial cost not otherwise required hereunder. The date that the Closing
occurs is hereinafter sometimes referred to as the "Closing Date."

                  3.2. Deliveries at Closing.

                      (a) At the Closing, the Company and Sellers shall deliver
       or cause to be delivered to Buyer (the "Seller Closing Deliveries"):

                          (i) fully executed, sealed and proper certificates
                  evidencing the Shares in negotiable form;

                          (ii) the release substantially in the form attached
                  hereto as Exhibit 3.2(a)(ii), duly executed by each Seller and
                  dated the Closing Date;

                          (iii) the opinion of counsel to the Company and
                  Sellers substantially in the form attached hereto as Exhibit
                  3.2(a)(iii), duly executed by such counsel and dated the
                  Closing Date;

                          (iv) the certificate of the chief executive officer,
                  chief financial officer and secretary, respectively, of the
                  Company and Sellers certifying the satisfaction of the closing
                  conditions set forth in Sections 6.1(a), 6.1(b) and 6.1(c)
                  hereof, and the signatures and incumbency of such persons, and
                  dated the Closing Date;

                          (v) employment, noncompetition and confidentiality
                  agreements, duly executed by each of the Sellers and dated the
                  Closing Date (the "Employment Agreements");

                          (vi) resignations of all current directors of the
                  Company, effective upon the Closing; and

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                          (vii) such other documents, instruments and
                  certificates, duly executed by appropriate persons and dated
                  appropriately, as reasonably requested in writing by Buyer.

               (b)        At the Closing, Buyer shall deliver or cause to be
          delivered to Sellers the following (the "Buyer Closing Deliveries"):

                          (i) the Base Amount, in immediately available funds,
                  by wire transfer to such accounts as have been designated by
                  Sellers in writing to Buyer not less than five (5) business
                  days before Closing;

                          (ii) the certificate of the duly authorized officer of
                  Buyer who signed this Agreement on behalf of Buyer and the
                  secretary of Buyer, respectively, certifying the satisfaction
                  of the closing conditions set forth in Sections 6.2(a), 6.2(b)
                  and 6.2(c), and the signatures and incumbency of such persons,
                  dated the Closing Date; and

                          (iii) the Employment Agreements duly executed by the
                  Company and dated the Closing Date.

                                   ARTICLE 4:
                    REPRESENTATIONS AND WARRANTIES OF SELLERS

                  Each of Sellers, jointly and severally, represents and
warrants to Buyer that the following representations and warranties are true and
correct as of the date hereof (unless specifically stated to be as of a
different date) and will be true and correct as of the Closing Date:

                  4.1. Organization and Standing. The Company is a corporation
duly organized, validly existing and in good standing under the laws of the
State of Kansas with all requisite corporate power and authority to carry on its
business as it is now being conducted and to own, operate and lease its
properties and assets. Schedule 4.1 lists each of the states where the Company
is qualified as a foreign corporation. The conduct of its business and its
ownership or use of property do not require the Company to be qualified or
licensed to do business as a foreign corporation in any state except those
listed in Schedule 4.1. The Company has all federal, state, local and foreign
licenses, permits or other approvals required for the operation of its business
as now being conducted.

                  4.2. Capital Stock; Options. The authorized capital stock of
the Company consists of 200,000 shares of Common Stock and 8,000 shares of
convertible preferred stock, par value $1.00 per share, and the only shares of
capital stock of the Company issued and outstanding are the 70,800 shares of
Common Stock owned by Sellers of record and beneficially and the shares of
Common Stock issued to Buyer upon the conversion of the Debentures. The Company
has no treasury stock. All the Shares are validly issued, fully paid and
nonassessable and are owned by Sellers, free and clear of all Encumbrances.
Except as set forth in Schedule 4.2, there are no issued and outstanding
options, warrants, rights, securities, contracts, commitments, understandings or
arrangements by which the Company or any Seller is bound

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with respect to the Shares (with regard to voting, transfer, sale or otherwise)
or to issue any additional shares of its capital stock or equity equivalents.

                  4.3. Authorization. The Company and Sellers have full power
and authority to enter into this Agreement and to carry out the transactions
contemplated hereby.

                  4.4. Subsidiaries and Affiliates. Except as set forth in
Schedule 4.4, the Company has no subsidiaries, Affiliates (as defined below) or
investments in any other entity or business operation. The term "Affiliates"
includes each stockholder, director and officer of a party, and any corporation,
partnership or other entity in which such party or a director or officer of such
party has any financial interest or is a controlling person, as that term is
used in connection with the federal securities laws, if any such person or
entity has, or in the past had, a contractual relationship with or transacted
business with such party.

                  4.5. No Violation. Except as set forth in Schedule 4.5, the
Company is not subject to or obligated under any article of incorporation,
bylaw, Law, or any agreement or instrument, or any license, franchise or permit,
which would be breached or violated by the execution, delivery and performance
of this Agreement by the Company or any Seller. The Company and Sellers have
complied with all applicable Laws in connection with their execution, delivery
and performance of this Agreement and the transactions contemplated hereby.

                  4.6. Governmental Authorities. Neither the Company nor any
Seller is required to submit any notice, report or other filing with, and no
consent, approval or authorization is required by, any governmental or
regulatory authority in connection with their execution and delivery of this
Agreement or the consummation of the transactions contemplated hereby, except
for such notices, reports, other filings, consents, approvals or other
authorizations which have been made or obtained.

                  4.7. Financial Statements. Schedule 4.7 contains the Company's
balance sheet at December 31, 1998 and at December 31, 1999 (the "Balance
Sheets") and Statements of Revenue and Expenses for the fiscal years ended
December 31, 1998 and December 31, 1999 (the "Income Statements"). The Balance
Sheets are complete and accurate and fairly present the financial position of
the Company as of the dates thereof, and the Income Statements fairly and
accurately present the results of operations for the fiscal years then ended.
The Company's balance sheet at December 31, 1999 is hereinafter sometimes
referred to as the "Balance Sheet."

                  4.8. No Undisclosed Liabilities, Claims, etc. Except for (a)
liabilities fully reflected or reserved against in the Balance Sheet; and (b)
regular and usual liabilities and obligations incurred in the ordinary course of
business consistent with past practices after December 31, 1999, the Company has
no liabilities, obligations or claims (absolute, accrued, fixed or contingent,
matured or unmatured, or otherwise), including liabilities, obligations or
claims which may become known or which arise only after the Closing and which
result from actions, omissions or occurrences of the Company prior to the
Closing.

                  4.9. Absence of Certain Changes. Except as set forth in
Schedule 4.9, since December 31, 1999, (a) there has not been (i) any adverse
change in the business, financial

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condition, earnings, operations or prospects of the Company's business; (ii) any
damage, destruction or loss, whether covered by insurance or not, adversely
affecting the Company's properties, business or prospects; (iii) any increase in
the compensation payable or to become payable by the Company to its directors,
officers or Key Employees, or any adoption of or increase in any bonus,
insurance, pension or other employee benefit plan, payment or arrangement made
to, for or with any such party; (iv) any entry into any commitment or
transaction outside the ordinary course of the Company's business, including,
without limitation, any borrowing or capital expenditure; (v) any change by the
Company in accounting methods, practices or principles; (vi) any termination or
waiver of any rights of value to the business of the Company; (vii) any
transaction or event involving receipt or payment of more than $5,000 not in the
ordinary course of the Company's business; (viii) any adoption or amendment of
any collective bargaining, bonus, profit sharing, compensation, stock option,
pension, retirement, deferred compensation, or other plan, agreement, trust,
fund or arrangement for the benefit of employees; or (ix) any agreement or
understanding made or entered into to do any of the foregoing; and

                  (b) the Company has (i) operated its business and promoted and
maintained the Accounts in the ordinary course, diligently and in good faith,
consistent with past management practices; and (ii) maintained all of its
properties in customary repair, order and condition, reasonable wear and tear
excepted.

                  4.10. Contracts. Schedule 4.10 contains a list of all
Contracts to which the Company is a party. The term "Contracts" shall include,
but shall not be limited to, all oral (which shall be summarized in Schedule
4.10) and written contracts, agreements, loan agreements, mortgages, indentures,
deeds of trust, guarantees, commitments, joint venture agreements, purchase
and/or sale agreements, collective bargaining, union, consulting and/or
employment contracts, leases of real or personal property, easements,
distribution or dealer agreements, service agreements, license agreements and
advertising agreements (except there shall not be included any license
agreements, brokers agreement with insurance agents or agreements which do not
exceed, in the case of any one agreement, an obligation of $50,000, and in the
case of all such agreements, an aggregate obligation of $100,000). The Company
is not in default or alleged to be in default under any Contract nor is the
Company aware of any default by any other party to any Contract, and there
exists no event, condition or occurrence which, after notice or lapse of time,
or both, would constitute a default by the Company under any Contract. All the
Contracts are in full force and effect and constitute legal, valid and binding
obligations of the parties thereto in accordance with their terms.

                  4.11. True and Complete Copies. Copies of all agreements,
contracts and documents delivered and to be delivered hereunder by the Company
are true and complete copies of such agreements, contracts and documents. All
written summaries of oral agreements are materially correct.

                  4.12. Title and Related Matters. Except as set forth in
Schedule 4.12, the Company has good and marketable title to (or in the case of
indicated leases, valid leasehold interest) in all the properties and assets
reflected in the Balance Sheet or acquired after the date

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thereof (except properties sold or otherwise disposed of since the date thereof
in the ordinary course of business and consistent with past practices)
including, without limitation, the specific assets referred to in paragraphs
(a), (b) and (c) below, free and clear of all Encumbrances, except as reflected
on the Balance Sheet. The Company owns or leases, directly or indirectly, all
the assets and properties, and is a party to all licenses and other agreements,
presently used or necessary to carry on the business or operations of the
Company as presently conducted.

                  (a) Real Property

                      (i) The Company has good and marketable title in fee
               simple to the land, including buildings and improvements thereon,
               shown on the Balance Sheet. All such land, buildings and
               improvements of the Company are owned free and clear of all
               Encumbrances of every kind and character, except as set forth on
               Schedule 4.12.

                      (ii) The Company is not a tenant under any lease(s) of
               real property used by the Company except as described on Schedule
               4.10. With respect to the leased real property described on
               Schedule 4.10 and except as set forth on Schedule 4.12: (A) all
               such leases are in full force and effect and constitute valid and
               binding obligations of the respective parties thereto; (B) there
               have not been and there currently are not any defaults thereunder
               by any party thereto; (C) no event has occurred which (whether
               with or without notice, lapse of time or the happening or
               occurrence of any other event) would constitute a default
               thereunder entitling the lessor to terminate the lease; and (D)
               the continuation, validity and effectiveness of all such leases
               under the current rentals and other current terms thereof will in
               no way be affected by the transactions contemplated by this
               Agreement or, if any would be affected, Sellers shall use all
               necessary means at their disposal to cause an appropriate consent
               to such transactions to be delivered to Buyer prior to the
               Closing Date at no cost or other adverse consequence to the
               Company or Buyer ((A) through (D) are hereinafter collectively
               referred to as "Lease Restrictions").

                      (iii) The Company does not currently have, and in the past
               has not had, any ownership interest in any real property except
               as disclosed on Schedule 4.12.

                  (b) Personal Property. The Company has good and marketable
title to all the personal property and assets, tangible or intangible, shown on
the Balance Sheet, except to the extent sold or disposed of in transactions
entered into in the ordinary course of business consistent with past practices
since December 31, 1999. The personal property in the aggregate is in good
condition and working order, and each individual item of personal property which
would cost in excess of $5,000 to replace is in good condition and working
order. None of such assets are subject to any (i) contracts of sale or lease,
except contracts for the sale of inventory in the ordinary and regular course of
business; or (ii) Encumbrances, except as set forth

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          in Schedule 4.12. Except as set forth in Schedule 4.12, there are no
          Lease Restrictions with respect to the personal property leased by the
          Company.

                        (c) No Disposition of Assets. There has not been since
          December 31, 1999, any sale, lease or any other disposition or
          distribution by the Company of any of its assets or properties and any
          other assets now or hereafter owned by it, except transactions in the
          ordinary and regular course of business consistent with past practices
          or as otherwise consented to by Buyer.

                  4.13. Litigation. Except as set forth in Schedule 4.13, (a)
there is no suit, action, investigation or proceeding pending or threatened
against the Company or any of the Company's directors, officers or Key Employees
(a "Matter"), (b) there are no Matters pertaining to the Licenses, and (c)
without limiting the generality of the foregoing, there are no Attorney General,
department of insurance or other matters pending or threatened which, if
adversely determined, would adversely affect the business prospects, operations,
earnings, properties or the condition, financial or otherwise, of the Company.
Except as set forth on Schedule 4.13, there is not any judgment, decree,
injunction, ruling or order of any court, governmental department, commission,
agency, instrumentality or arbitrator outstanding against the Company having, or
which, insofar as can be reasonably foreseen, in the future may have, any such
effect.

                  4.14. Tax Matters. The term "Taxes" means all net income,
capital gains, gross income, gross receipts, sales, use, transfer, ad valorem,
franchise, profits, license, capital, withholding, payroll, employment, excise,
goods and services, severance, stamp, occupation, premium, property, windfall
profits, customs, duties or other taxes, fees or assessments, or other
governmental charges of any kind whatsoever, together with any interest, fines
and any penalties, additions to tax or additional amounts incurred or accrued
under applicable Laws or assessed, charged or imposed by any governmental
authority, domestic or foreign, provided that any interest, penalties, additions
to tax or additional amounts that relate to Taxes for any taxable period
(including any portion of any taxable period ending on or before the Closing
Date) shall be deemed to be Taxes for such period, regardless of when such items
are incurred, accrued, assessed or charged. For purposes of this Section 4.14,
the Company shall be deemed to include any predecessor of the Company or any
person or entity from which the Company incurs a liability for Taxes as a result
of transferee liability. Except as stated in Schedule 4.14:

                        (a) the Company has duly and timely filed (and prior to
          the Closing Date will duly and timely file) true, correct and complete
          tax returns, reports or estimates, all prepared in accordance with
          applicable Laws, for all years and periods (and portions thereof) and
          for all jurisdictions (whether federal, state, local or foreign) in
          which any such returns, reports or estimates were due. All Taxes shown
          as due and payable on such returns, reports and estimates have been
          paid, and there is no current liability for any Taxes due and payable
          in connection with any such returns. All Taxes not yet due and payable
          have been fully accrued on the books of the Company and the Balance
          Sheet and adequate reserves have been established therefor; the
          charges, accruals and reserves for Taxes provided for on the financial
          statements delivered pursuant to Section 4.7 are adequate; and there
          are no unpaid assessments for additional Taxes for any period nor is

<PAGE>   13

          there any basis therefor. Copies of all federal, state and foreign tax
          returns filed by the Company for the past two (2) years have been
          delivered to Buyer.

                        (b) the Company is not, and never has been, a member of
          any consolidated, combined or unitary group for federal, state, local
          or foreign tax purposes. the Company is not a party to any joint
          venture, partnership or other arrangement that could be treated as a
          partnership for federal income tax purposes.

                        (c) the Company has (i) withheld all required amounts
          from its employees, agents, contractors and nonresidents and remitted
          such amounts to the proper agencies, (ii) paid all employer
          contributions and premiums and (iii) filed all federal, state, local
          and foreign returns and reports with respect to employee income tax
          withholding, and social security and unemployment taxes and premiums,
          all in compliance with the withholding tax provisions of the Internal
          Revenue Code of 1986, as amended (the "Code"), as in effect for the
          applicable year or any prior provision thereof and other applicable
          Laws.

                        (d) The federal income tax returns of the Company have
          been examined by the Internal Revenue Service (the "IRS"), or have
          been closed by the applicable statute of limitations, for all periods
          through December 31, 1994; and the state tax returns of the Company
          have been examined by the relevant state agencies or such returns have
          been closed by the applicable statute of limitations for all periods
          through December 31, 1994; and no deficiencies or reassessments for
          any Taxes have been proposed, asserted or assessed against the Company
          by any federal, state, local or foreign taxing authority. Schedule
          4.14 describes the status of any federal, state, local or foreign tax
          audits or other administrative proceedings, discussions or court
          proceedings that are presently pending with regard to any Taxes or tax
          returns of the Company (including a description of all issues raised
          by the taxing authorities in connection with any such audits or
          proceedings), and no additional issues are being asserted against the
          Company in connection with any existing audits or proceedings.

                        (e) the Company has not executed or filed any agreement
          or other document extending the period for assessment, reassessment or
          collection of any Taxes, and no power of attorney granted by the
          Company with respect to any Taxes is currently in force.

                        (f) the Company has not entered into any closing or
          other agreement with any taxing authority which affects any taxable
          year of the Company ending after the Closing Date. The Company is not
          a party to any tax sharing agreement or similar arrangement for the
          sharing of tax liabilities or benefits.

                        (g) the Company has not agreed to and is not required to
          make any adjustment by reason of a change in accounting methods that
          affects any taxable year ending after the Closing Date. The IRS has
          not proposed to the Company any such adjustment or change in
          accounting methods that affects any taxable year ending after the
          Closing Date. The Company has no application pending with any taxing
          authority

                                       10
<PAGE>   14

          requesting permission for any changes in accounting methods that
          relate to its business or operations and that affects any taxable
          year ending after the Closing Date.

                        (h) Neither Buyer nor the Company will be liable for any
          federal, state, local, foreign and other sales, use, documentary,
          recording, stamp, transfer or similar Taxes applicable to, imposed
          upon or arising out of prior tax returns or obligations and the
          transactions contemplated by this Agreement.

                  4.15. Government Contracts. No Contract or other aspect of the
business of the Company is subject to the Armed Services Procurement Regulations
or other regulations of any governmental agency. The Company has not bid on or
been awarded any "small business set aside contract," any other "set aside
contract" or other order or contract requiring small business or other special
status at any time during the last three (3) years.

                  4.16. Compliance with Law.

                        (a) To the Knowledge of the Sellers, the Company has not
          previously failed and is not currently failing to comply with any
          applicable Laws relating to the business of the Company or the
          operation of its assets. In particular, but without limiting the
          generality of the foregoing, to the Knowledge of the Sellers, the
          Company is in compliance with all applicable Laws relating to
          deceptive trade practices, unauthorized practice of law, unfair
          competition, unfair claims settlement practices, rebating,
          anti-competitive practices, price fixing, health and safety,
          environmental, employment and discrimination matters. There are no
          proceedings of record and no proceedings are pending or threatened,
          nor has the Company received any written notice regarding any
          violation of any Law, including, without limitation, any requirement
          of OSHA or any pollution or environmental control agency (including
          air and water).

                        (b) Schedule 4.16 contains copies of all reports,
          orders, consent agreements and findings of inspections by
          representatives of any federal, state or local governmental entity or
          agency of the Company's business and properties from January 1, 1997
          through the date hereof. The deficiencies, if any, noted on such
          reports or any deficiencies noted by such inspections through the
          Closing Date shall be corrected by the Closing Date. Neither the
          Company nor any Seller knows or has reason to know of any other
          safety, health, environmental, anti-competitive or discrimination
          problems relating to the financial condition, business, assets,
          operations, prospects, earnings or employment practices of the
          Company.

                  4.17. Absence of Certain Business Practices. Except as set
forth on Schedule 4.17, none of the Company, any director, officer, employee or
agent of the Company, any Seller, any other person or entity acting on behalf of
the Company or any Seller, nor any other entity directly or indirectly owned or
controlled by the Company or any Seller, acting alone or together, has (a)
received, directly or indirectly, any payments, promotional allowances or any
other economic benefit, regardless of its nature or type, from any customer,
supplier, trading company, shipping company, governmental employee or other
entity or individual with whom the

                                       11

<PAGE>   15

Company has done business directly or indirectly, other than commissions, fees
and rebates for the Company's normal business operations, or (b) directly or
indirectly, given or agreed to give any gift or similar benefit to any customer,
supplier, trading company, shipping company, governmental employee or other
person or entity who is or may be in a position to help or hinder the business
of the Company (or assist the Company in connection with any actual or proposed
transaction) any of which (i) might subject the Company to any damage or penalty
in any civil, criminal or governmental litigation or proceeding, (ii) if not
given in the past, might have had an adverse effect on the assets, business or
operations of the Company as reflected in the financial statements set forth in
Schedule 4.7, or (iii) if not continued in the future, might adversely affect
the assets, business operations or prospects of the Company or which might
subject the Company to suit or penalty in any private or governmental litigation
or proceeding.

                  4.18. ERISA and Related Employee Benefit Matters.

                        (a) Welfare Benefit Plans. Schedule 4.18(a) lists each
          "employee welfare benefit plan" (within the meaning of Section 3(1) of
          the Employee Retirement Income Security Act of 1974 ("ERISA"))
          maintained by the Company or to which the Company contributes or is
          required to contribute, including any multiemployer plan ("Welfare
          Benefit Plan") and sets forth as of the most recent valuation date (i)
          the amount of any liability of the Company for payments due with
          respect to any Welfare Benefit Plan, (ii) the amount of any payment
          made and to be made, stated separately, by the Company with respect to
          any Welfare Benefit Plan for the current plan year, and (iii) with
          respect to any Welfare Benefit Plan to which Section 505 of the Code
          applies, a statement of assets and liabilities for such Welfare
          Benefit Plan as of the most recent valuation date. Without limiting
          the foregoing, Schedule 4.18(a) discloses any obligations of the
          Company to provide retiree health benefits to current or former
          employees of the Company.

                        (b) Pension Benefit Plans. Schedule 4.18(b) lists each
          "employee pension benefit plan" (within the meaning of Section 3(2) of
          ERISA) maintained by the Company or to which the Company contributes
          or is required to contribute, including any multiemployer plan
          ("Pension Benefit Plan"). All costs of each Pension Benefit Plan have
          been provided for on the basis of consistent methods and, if
          applicable, in accordance with sound actuarial assumptions and
          practices that are acceptable under ERISA. The Company does not
          maintain or contribute to any Pension Benefit Plan that is subject to
          Title I, Part 3 of ERISA (concerning "funding"). With respect to each
          Pension Benefit Plan that is not subject to Title I, Part 3 of ERISA,
          Schedule 4.18(b) sets forth as of the valuation date (i) the amount of
          any liability of the Company for any contributions due with respect to
          such Pension Benefit Plan and (ii) the amount of any contribution paid
          and to be paid, stated separately, by the Company with respect to such
          Pension Benefit Plan for the current plan year.

                        (c) Compliance with Applicable Law. Each of the Pension
          Benefit Plans, Welfare Benefit Plans, any related trust agreements,
          insurance contracts, annuity contracts, and other funding
          arrangements, comply in all respects with the provisions of ERISA and
          the Code and all other statutes, orders, governmental rules and
          regulations

                                       12

<PAGE>   16

          applicable to such Welfare Benefit Plans and Pension Benefit Plans.
          The Company has performed all of its obligations currently required to
          have been performed under all Welfare Benefit Plans and Pension
          Benefit Plans. There are no actions, suits or claims (other than
          routine claims for benefits) pending or threatened against or with
          respect to any Welfare Benefit Plans, Pension Benefit Plans or the
          assets of such plans, and no facts exist that could give rise to any
          actions, suits or claims (other than routine claims for benefits)
          against such plans or the assets of such plans. Each Pension Benefit
          Plan is qualified in form and operation under section 401(a) of the
          Code. The IRS has issued a favorable determination letter with respect
          to each Pension Benefit Plan and no event has occurred that will or
          could give rise to a disqualification of any Pension Benefit Plan
          under Code Section 401(a). No event has occurred that will or could
          subject any Welfare Benefit Plan or Pension Benefit Plan to tax under
          Section 511 of the Code.

                        (d) Administration of Plans. Each Welfare Benefit Plan
          and each Pension Benefit Plan has been administered to date in
          compliance with the requirements of ERISA and the Code. No fiduciary
          of any Welfare Benefit Plan or Pension Benefit Plan has engaged in (i)
          any transaction in violation of Section 406(a) or (b) of ERISA, or
          (ii) any "prohibited transaction" (within the meaning of Section
          4975(c)(1) of the Code) for which no exemption exists under Section
          408 of ERISA or Section 4975(d) of the Code. No trust agreement,
          insurance contract, annuity contract, or other funding arrangement
          would impose a penalty, discount, or other reduction on account of the
          withdrawal of assets from such agreement, contract, or arrangement or
          a change in investment of such assets. There is no pending or
          threatened litigation concerning any Welfare Benefit Plan or Pension
          Benefit Plan, and there have been no written or oral communications
          concerning any such Plan with the IRS, Department of Labor, or any
          other federal, state, or local governmental entity.

                        (e) Other Employee Benefit Plans and Agreements.
          Schedule 4.18(e) lists each fringe benefit, cafeteria, profit sharing,
          deferred compensation, bonus, stock option, stock purchase, pension,
          retainer, consulting, retirement, welfare, or other incentive plan or
          agreement, or employment agreement not terminable on 30 days or less
          written notice, and any other employee benefit plan, agreement,
          arrangement, or commitment not previously listed on the Schedules to
          this Section that is maintained by the Company or to which the Company
          contributes or is required to contribute.

                        (f) Copies of Plans. Schedule 4.18(a) lists: each
          Welfare Benefit Plan; each Pension Benefit Plan, related trust
          agreements, annuity contracts, insurance contracts, and other funding
          arrangements; each plan, agreement, arrangement, and commitment
          referred to in subsection (e) of this Section; favorable determination
          letters; annual reports (Form 5500 series) required to be filed with
          any governmental agency for each Welfare Benefit Plan and each Pension
          Benefit Plan for the most recent three plan years, including, without
          limitation, all schedules thereto and all financial statements with
          attached opinions of independent accountants; current summary plan
          descriptions; and actuarial reports as of the last valuation date for
          each Pension Benefit Plan that is subject to Title IV of ERISA.

                                       13
<PAGE>   17

                        (g) Continuation Coverage Requirements for Health Plans.
          Each group health plan of the Company (including any plans of
          Affiliates of the Company that must be taken into account under
          Section 4980B of the Code) has been operated in compliance with the
          group health plan continuation coverage requirements of Section 4980B
          of the Code and Title I, Part 6 of ERISA.

                        (h) Valid Obligations. Each Welfare Benefit Plan,
          Pension Benefit Plan, related trust agreement, annuity contract or
          other funding instrument, and each plan, agreement, arrangement and
          commitment referred to in subsection (e) of this Section is legal,
          valid and binding and in full force and effect, and there are no
          defaults thereunder. Except as specified in Schedule 4.18(h), none of
          the rights of the Company thereunder will be impaired by the
          consummation of the transactions contemplated by this Agreement, and
          all of the rights of the Company thereunder will be enforceable by
          Buyer at and after the Closing without the consent or agreement of any
          other party other than consents and agreements specifically listed in
          Schedule 4.18(h).

                  4.19. Intellectual Property. The Company has good and
marketable title to each copyright, trademark, trade name, service mark, trade
dress, patent, franchise, trade secret, product designation, formula, process,
know-how, right of publicity, design and other similar rights used in, or
necessary for, the operation of its business as currently conducted. Schedule
4.19 contains a detailed listing of each copyright registered with the U. S.
Copyright Office, each trademark, trade name, service mark, trade dress, and
patent registered with the U. S. Patent and Trademark Office, and all pending
applications therefor, owned by the Company (collectively "Intellectual Property
Rights"). Except as otherwise set forth on Schedule 4.19, all of said
Intellectual Property Rights are free and clear of all Encumbrances. The Company
has the exclusive right to use all Intellectual Property Rights used in, or
necessary for, the operation of its business as currently conducted. The Company
and Sellers have taken all action necessary to protect against and defend
against, and have no Knowledge of, any conflicting use of any such Intellectual
Property Rights. The Company does not have nor does the Company utilize any
Intellectual Property Rights except those which are set forth in Schedule 4.19.
Except as set forth in Schedule 4.19, the Company is not a party in any capacity
to any franchise, license, royalty or other agreement respecting or restricting
any Intellectual Property Rights, and the Intellectual Property Rights used by
the Company in the conduct of the Company's business do not conflict with the
Intellectual Property Rights of any third party. No service provided by the
Company, violates any license or infringes any Intellectual Property Rights of
any third party, and there are no pending claims or demands by any third party
to the contrary.

                  4.20. Labor Relations. The Company is in compliance with all
Laws respecting employment and employment practices, terms and conditions of
employment and wages and hours, including, without limitation, the Fair Labor
Standards Act, the Family and Medical Leave Act of 1993, the Americans with
Disabilities Act of 1990, the Veterans Reemployment Rights Act, the Equal
Employment Opportunities Act as amended by the Civil Rights Act of 1991, the
Occupational Safety and Health Act, the Employee Retirement Income Security Act,
the Immigration Reform and Control Act of 1986, the Age Discrimination in
Employment Act, Title VII of the Civil Rights Act of 1964, the Older Workers
Benefit Protective Act, and all other

                                       14
<PAGE>   18

Laws, each as amended to date, relating to employer/employee rights and
obligations. The Company currently has satisfactory relationships with its
employees.

                  4.21. Insurance. Schedule 4.21 lists all of the Company's
existing insurance policies, the premiums therefor and the coverage of each
policy, including errors and omissions, fidelity and crime coverages. Such
policies and the amount of coverage and the risks insured are, in the aggregate,
sufficient to protect and insure the Company against perils which good business
practice demands be insured against or which are normally insured against by
other industry members similarly situated.

                  4.22. Environmental.

                        (a)     For purposes of this Section:

                                (i) "Hazardous Materials" means any hazardous,
                  infectious or toxic substance, chemical, pollutant,
                  contaminant, emission or waste which is or becomes regulated
                  by any local, state, federal or foreign authority. Hazardous
                  Materials include, without limitation, anything which is: (i)
                  defined as a "pollutant" pursuant to 33 U.S.C. ss. 1362(6);
                  (ii) defined as a "hazardous waste" pursuant to 42 U.S.C. ss.
                  6921; (iii) defined as a "regulated substance" pursuant to 42
                  U.S.C. ss. 6991; (iv) defined as a "hazardous substance"
                  pursuant to 42 U.S.C. ss. 9601(14); (v) defined as a
                  "pollutant or contaminant" pursuant to 42 U.S.C. ss. 9601(33);
                  (vi) petroleum; (vii) asbestos; and (viii) polychlorinated
                  biphenyl.

                                 (ii) "Environmental Laws and Regulations" means
                  all limitations, restrictions, conditions, standards,
                  prohibitions, requirements, obligations, schedules and
                  timetables contained in any Laws relating to pollution,
                  nuisance, or the environment including, without limitation,
                  (i) the Federal Clean Air Act, 42 U.S.C. ss. 7401 et seq.;
                  (ii) the Comprehensive Environmental Response, Compensation,
                  and Liability Act, 42 U.S.C. ss. 9601 et seq.; (iii) the
                  Federal Emergency Planning and Community Right-to-Know Act, 42
                  U.S.C. ss. 1101 et seq.; (iv) the Federal Insecticide,
                  Fungicide and Rodenticide Act, 7 U.S.C. ss. 136 et seq.; (v)
                  the Federal Water Pollution Control Act, 33 U.S.C. ss. 1251
                  et seq.; (vi) the Solid Waste Disposal Act, 42 U.S.C. ss.
                  6901 et seq.; (vii) the Toxic Substances Control Act, 15
                  U.S.C. ss. 2601 et seq.; (viii) Laws relating in whole or
                  part to emissions, discharges, releases, or threatened
                  releases of any Hazardous Material; and (ix) Laws relating in
                  whole or part to the manufacture, processing, distribution,
                  use, coverage, disposal, transportation, storage or handling
                  of any Hazardous Material.

                        (b) The operations and activities of the Company comply,
          and have in the past complied, in all respects, with all Environmental
          Laws and Regulations. There are no pending or currently proposed
          changes to any Environmental Laws and Regulations which, when
          implemented or effective, may affect the operations of the Company.

                                       15

<PAGE>   19

                        (c) The Company has obtained and is and has been in full
          compliance with all requirements, permits, licenses and other
          authorizations which are required with respect to the Company's
          operations, as well as the transactions contemplated hereby under all
          Environmental Laws and Regulations. Schedule 4.22 lists each such
          permit, license or other authorization. There are no other such
          permits, licenses or other authorizations which are required by any
          Environmental Laws and Regulations to be obtained after the Closing.

                        (d) There is no civil, criminal, administrative or other
          action, suit, demand, claim, hearing, notice of violation, proceeding,
          investigation, notice or demand pending, received or threatened
          against the Company relating in any way to any Environmental Laws and
          Regulations.

                        (e) The Company has not caused or experienced any past
          or present events, conditions, circumstances, plans or other matters
          which: (i) are not in compliance with all Environmental Laws and
          Regulations; (ii) may give rise to any statutory, common law, or other
          legal liability, or otherwise form the basis of any claim, action,
          demand, suit, proceeding, hearing, notice of violation or
          investigation based on or relating to Hazardous Materials including,
          without limitation, such matters relating to any property owned,
          leased or utilized by the Company at any time; (iii) arise from
          inventory of or waste from Hazardous Materials; or (iv) arise from any
          off-site disposal, release or threatened release of Hazardous
          Materials.

                        (f) No asbestos, polychlorinated biphenyls, lead-based
          paints, or radon are on any real property or in any building now or
          previously owned, operated, leased or utilized by the Company.

                        (g) No employee or former employee of the Company has
          been exposed to any Hazardous Material owned, produced or utilized by
          the Company or any former subsidiary.

                        (h) Neither the Company nor any Seller has received any
          notice or indication from any governmental agency or private or public
          entity advising that the Company is or may be responsible for any
          investigation or response costs with respect to a release, threatened
          release or cleanup of chemicals or materials produced by or resulting
          from any business, commercial or industrial activities, operations or
          processes, including, without limitation, any Hazardous Materials.
          Neither the Company nor any Seller is aware of any facts which might
          give rise to such notices.

                        (i) No underground tanks, piping or subsurface
          structures of any type exist or have existed on any real property now
          or previously owned, operated, leased or utilized by the Company.

                        (j) Schedule 4.22 contains complete copies of all
          environmental investigations, assessments, audits, studies, tests and
          related materials in possession of the Company or any Seller or known
          to the Company or any Seller to exist, which relate

                                       16
<PAGE>   20

          to the current or prior operations of the Company or any real property
          now or previously owned, operated, leased or utilized by the Company.

                  4.23. Capital Expenditures. The Company has no outstanding
commitments for capital expenditures in excess of $50,000 in aggregate.

                  4.24. Suppliers. No suppliers of goods or services to the
Company that has made sales or provided services representing, individually or
in the aggregate, more than $5,000 in payments or commitments by the Company
since January 1, 1998, has (i) ceased, or indicated any intention to cease,
doing business with the Company, or (ii) changed or indicated any intention to
change any terms or conditions for future supply or sale of products or services
from the terms or conditions that existed with respect to the supply or sale of
such products or services during the twelve (12) month period ending on the date
hereof.

                  4.25. Dealings with Affiliates. Schedule 4.25 sets forth a
complete list (including the parties) of all oral or written contracts,
arrangements or other agreements (excluding any contract listed on Schedule
4.27) to which the Company is, will be or has been a party at any time from
January 1, 1997, to the Closing Date, and to which any Affiliate was or is also
a party.

                  4.26. Bank Accounts. Schedule 4.26 is a list of all bank
accounts, lock boxes, safe deposit boxes and post office boxes, and the
combinations, codes or location of keys thereto, maintained in the name of or
controlled by the Company and the names of the persons having access thereto.

                  4.27. Compensation. Schedule 4.27 lists the current job title
and total remuneration (including, without limitation, salary, commissions and
bonuses) for each officer, director, employee or consultant of the Company who
received total remuneration in excess of $80,000 from the Company during either
of the past two (2) calendar years or who is expected to receive total
remuneration in excess of such amount during the current calendar year.

                  4.28. Insurance Licenses. the Company and each of its
stockholders, directors, officers and employees required by law to do so has
obtained and currently maintains in good standing all required licenses from the
Kansas Insurance Department and all other similar agencies by which they are
required to be licensed (the "Licenses"). Schedule 4.28 contains an accurate
list of the Licenses, including the number of each License.

                  4.29. Consultants, Brokers and Finders. Neither the Company
nor any Seller has retained any consultant, broker or finder in connection with
the transactions contemplated by this Agreement

                                   ARTICLE 5:
                     REPRESENTATIONS AND WARRANTIES OF BUYER

                  Buyer hereby represents and warrants to Sellers as follows:

                                       17
<PAGE>   21

                  5.1. Organization and Standing. Buyer is a corporation duly
organized, validly existing and in good standing under the laws of the State of
Kansas and has all requisite corporate power and authority to enter into and
perform its obligations under this Agreement.

                  5.2. No Violation. Buyer is not subject to or obligated under
any article of incorporation, bylaw, Law, or any agreement or instrument, or any
license, franchise or permit, which would be breached or violated by the
execution, delivery and performance of this Agreement by Buyer. Buyer has
complied with all applicable Laws in connection with its execution, delivery and
performance of this Agreement and the transactions contemplated hereby.

                  5.3. Governmental Authorities. Buyer is not required to submit
any notice, report or other filing with, and no consent, approval or
authorization is required by, any governmental or regulatory authority in
connection with its execution and delivery of this Agreement or the consummation
of the transactions contemplated hereby, except for such notices, reports, other
filings, consents, approvals or authorizations which have been made or obtained.

                  5.4. Consultants, Brokers and Finders. Buyer has not retained
any consultant, broker or finder in connection with the transactions
contemplated by this Agreement.

                                   ARTICLE 6:
                              CONDITIONS TO CLOSING

                  6.1. Conditions to Obligation of Buyer. The obligation of
Buyer to consummate the transactions contemplated by this Agreement is subject
to satisfaction, at or prior to the Closing, of each of the following conditions
unless Buyer shall have waived such satisfaction pursuant to Section 8.4:

                       (a) Each of the representations and warranties of Sellers
          set forth in this Agreement shall be true and correct as of the
          Closing;

                       (b) On or prior to the Closing Date, Sellers and the
          Company shall have performed and complied with all of the covenants
          set forth in this Agreement to be performed or complied with by them
          or it at or prior to the Closing Date;

                       (c) No proceeding, regulation or legislation shall have
          been instituted, threatened in writing or proposed before, nor any
          court order issued by, any governmental authority to enjoin, restrain,
          prohibit or obtain substantial damages (i) in respect of, or which is
          related to, or arises out of, this Agreement or the consummation of
          the transactions contemplated hereby, or (ii) which, in the reasonable
          judgment of Buyer, could have an adverse effect on the Company or its
          assets;

                       (d) The Company shall have delivered to Buyer a
          certificate issued by the Secretary of State of Kansas, evidencing the
          corporate good standing of the Company in Kansas as of a date not more
          than one (1) business day prior to the Closing Date;

                                       18
<PAGE>   22

                       (e) The Debentures shall have been converted into shares
          of Common Stock representing 45% of the issued and outstanding shares
          of Common Stock and the Debentures and agreements related thereto
          shall have been terminated, as reasonably requested by counsel to
          Buyer; and

                       (f) The Board of Directors of Buyer shall have approved
          the execution and delivery of this Agreement and the consummation of
          the transactions contemplated hereby.

                  6.2. Conditions to Obligation of Sellers. The obligation of
Sellers to consummate the transactions contemplated by this Agreement is subject
to satisfaction, at or prior to the Closing, of each of the following conditions
unless Sellers shall have waived such satisfaction pursuant to Section 8.4:

                       (a) Each of the representations and warranties of Buyer
          set forth in this Agreement shall be true and correct as of the
          Closing;

                       (b) On or prior to the Closing Date, Buyer shall have
          performed and complied with all of the covenants set forth in this
          Agreement to be performed or complied with by it at or prior to the
          Closing Date; and

                       (c) There shall not be any injunction, judgment, order,
          decree, ruling or charge in effect preventing consummation of any
          transactions contemplated by this Agreement.

                                   ARTICLE 7:
                            INDEMNIFICATION; REMEDIES

                  7.1. Investigations; Survival of Warranties and
Indemnification Obligations. The respective representations and warranties of
Sellers and Buyer contained herein or in any certificates or other documents
delivered at the Closing are true, accurate and correct and shall not be deemed
waived (except to the extent waived in writing pursuant to Section 8.4) or
otherwise affected by any investigation made by any party hereto or by the
occurrence of the Closing. Except to the extent set forth herein to the
contrary, each and every such representation and warranty and indemnification
obligation of any party hereunder shall survive until September 30, 2001;
provided, however, that:

                       (a) all representations and warranties under Sections 4.1
          [Organization and Standing], 4.2 [Capital Stock; Options] and 4.3
          [Authorization], and the provisions, covenants and obligations of
          Articles 8 [Indemnification; Remedies] and 9 [Miscellaneous] shall
          survive the Closing without expiration; and

                       (b) all representations and warranties under Sections 4.8
          [No Undisclosed Liabilities, Claims, etc.] and 4.14 [Tax Matters]
          shall survive the Closing for the applicable statute of limitations
          for matters arising thereunder, plus ninety (90) days.

                                       19
<PAGE>   23

Any claim made in accordance with Article 8 within the applicable survival
period shall survive the Closing until finally resolved notwithstanding
expiration of the applicable survival period.

                  7.2. Indemnification by Sellers. Sellers shall indemnify and
hold harmless Buyer, the Company and their respective directors, officers,
agents and attorneys (collectively, the "Indemnified Persons"), and shall
reimburse the Indemnified Persons for, any loss, liability, claim, damage,
expense (including, but not limited to, costs of investigation and defense and
reasonable attorneys' and accountants', consultants' and experts' fees and
expenses that would not have otherwise been expended but for the breach),
whether or not involving a third-party claim (collectively, "Damages") for which
a claim is made prior to the expiration of the survival period, if any, under
Section 7.1, arising from or based on any of the following:

                       (a) any inaccuracy or omission in any of the
          representations and warranties of Sellers in this Agreement or in any
          document, agreement, instrument or certificate delivered by Sellers at
          the Closing pursuant to this Agreement; or

                       (b) any failure by Sellers (or to the extent it is under
          Sellers' control, the Company) to perform or comply with any agreement
          or covenant in this Agreement, or under any document, agreement,
          instrument or certificate delivered at the Closing by Sellers pursuant
          to this Agreement.

Sellers agree that they shall have no rights of any nature whatsoever against
the Company from any and all claims arising out of, in connection with or
relating to the assertion by an Indemnified Person of a right to
indemnification.

                  7.3. Indemnification By Buyer. Buyer shall indemnify and hold
harmless Sellers and shall reimburse them for any Damages for which a claim is
made prior to the expiration of the survival period, if any, under Section 7.1,
arising from or based on any of the following:

                       (a) any inaccuracy in any of the representations and
          warranties of Buyer in this Agreement or in any document, agreement,
          instrument or certificate delivered by Buyer at the Closing pursuant
          to this Agreement; or

                       (b) any failure by Buyer (or to the extent it is under
          Buyer's control, the Company) to perform or comply with any agreement
          or covenant in this Agreement or under any document, agreement,
          instrument, or certificate delivered at the Closing by Buyer pursuant
          to this Agreement.

                  7.4. Notice of Claim; Payment.

                       (a) Notice. In the event that any party hereunder
          determines that it is entitled to an indemnity payment pursuant to
          this Article 7, such party shall deliver a written notice to the
          indemnifying party.

                                       20
<PAGE>   24

                       (b) Disputed Claim. If the indemnifying party disputes
          all or any portion of the claim, the indemnifying party must provide
          written notice of its objection (detailing the objection) to the
          indemnified party within fifteen (15) business days after the receipt
          of the claim from the indemnified party (an "Objected Claim").

                       (c) Defense by the Indemnifying Parties. In connection
          with any claim giving rise to indemnity hereunder resulting from or
          arising out of any claim or legal proceeding by a person other than
          the indemnified parties, the indemnifying parties, at their sole cost
          and expense, may, upon written notice to the indemnified parties
          assume the defense of any such claim or legal proceeding provided that
          the indemnifying parties acknowledge their obligation to indemnify the
          indemnified parties in respect of the entire amount ( subject to the
          maximum amount set forth in Section 7.6 (b), if applicable) of all of
          the claims asserted therein. If the indemnifying parties assume the
          defense of any such claim or legal proceeding, the indemnifying
          parties shall select counsel reasonably acceptable to the indemnified
          parties to conduct the defense of such claims or legal proceedings
          and, at their sole cost and expense, shall take all steps necessary in
          the defense or settlement thereof. The indemnifying parties shall not
          consent to a settlement of, or the entry of any judgment arising from,
          any such claim or legal proceeding, without the prior written consent
          of the indemnified parties, unless the indemnifying parties admit in
          writing their liability to hold the indemnified parties harmless from
          and against any losses, damages, expenses and liabilities arising out
          of such settlement and concurrently with such settlement the
          indemnifying parties pay into court the full amount of all losses,
          damages, expenses and liabilities to be paid by the indemnifying
          parties in connection with such settlement. The indemnified parties
          shall be entitled to participate in (but not control) the defense of
          any such action, with their own counsel and at their own expense. If
          the indemnifying parties do not assume the defense of any such claim
          or litigation resulting therefrom in accordance with the terms hereof,
          the indemnified parties may defend against such claim or litigation in
          such manner as they may deem appropriate, including, but not limited
          to, settling such claim or litigation, after giving notice of the same
          to the indemnifying parties, on such terms as the indemnified parties
          may deem appropriate. The indemnifying parties shall be entitled to
          participate in the defense of any action by the indemnified parties,
          which participation shall be limited to contributing information to
          the defense and being advised of its status. In any action by the
          indemnified parties seeking indemnification from the indemnifying
          parties in accordance with the provisions of this subsection, the
          indemnifying parties shall not be entitled to question the manner in
          which the indemnified parties defended such claim or litigation or the
          amount of or nature of any such settlement.

                       (d) Interest on Unpaid Claims. If all or part of any
          indemnification obligation under this Agreement is not paid when due,
          then the indemnifying party or parties shall pay the indemnified party
          or parties interest on the unpaid amount of the obligation, at the
          fluctuating rate per annum announced in The Wall Street Journal as the
          prime rate on the Closing Date, for each day from the date the amount
          was originally due until payment in full.

                                       21
<PAGE>   25

                  7.5. Construction. The parties intend that each
representation, warranty and covenant herein shall have independent
significance. If any party has breached any representation, warranty or covenant
contained herein in any respect, the fact that there exists another
representation, warranty or covenant relating to the same subject matter
(regardless of the relative levels of specificity) which the party has not
breached shall not detract from or mitigate the fact that the party is in breach
of the first representation, warranty or covenant, as the case may be.

                  7.6. Limitations on Indemnity.

                       (a) Tipping Basket. No indemnification payments shall be
          payable pursuant to the indemnification obligations of Sellers
          pursuant to Section 7.2 or the indemnification obligations of Buyer
          pursuant to Section 7.3, respectively, unless the total aggregate
          indemnification obligations under either such Section, as applicable
          to the indemnifying party, exceeds $10,000 (the "Threshold Amount").
          Once the Threshold Amount is satisfied against an indemnifying party,
          the indemnifying party shall pay to the indemnified party the
          Threshold Amount plus the amount of all indemnification obligations in
          excess of the Threshold Amount, subject to the provisions of Section
          7.6(b) below.

                       (b) Maximum. The maximum amount of Damages payable by
          Buyer on one hand, and Sellers, on the other hand, under this Article
          7 shall be the Purchase Price.

                                   ARTICLE 8:
                                  MISCELLANEOUS

                  8.1. Payment of Expenses. Except as otherwise specifically
provided herein, each of the Sellers and Buyer will pay all legal, accounting,
investment banking and other fees and expenses which such party incurs in
connection with this Agreement and the transactions contemplated hereby.

                  8.2. Announcements. No party to this Agreement shall make any
announcement in connection with the transactions contemplated hereby that has
not been previously approved in writing by Buyer and Sellers, except for such
announcement that it reasonably deems advisable or appropriate in connection
with its responsibilities under the applicable securities laws.

                  8.3. Assignment and Binding Effect. This Agreement may not be
assigned prior to the Closing by any party hereto without the prior written
consent of the other parties, except that Buyer may assign this Agreement to any
direct or indirect wholly-owned affiliate.

                  8.4. Waivers. Any term or provision of this Agreement may be
waived at any time by the party entitled to the benefit thereof by a written
instrument executed by such party. No waiver by any party of any default,
misrepresentation, or breach of warranty or covenant hereunder, whether
intentional or not, shall be deemed to extend to any prior or

                                       22

<PAGE>   26

subsequent default, misrepresentation, or breach of warranty or covenant
hereunder, or affect in any way rights arising by virtue of any prior or
subsequent such occurrence.

                  8.5. Notices. Any notice, request, demand, waiver, consent,
approval or other communication which is required or permitted hereunder shall
be in writing and shall be deemed given only if delivered personally to the
address set forth below (to the attention of the person identified below) or
sent by registered or certified mail, postage prepaid, or by Federal Express or
other express delivery service as follows:

              If to Buyer, to:
              ----------------
              AmVestors Financial Corporation
              555 South Kansas Avenue
              Topeka, KS 66601
              Attention:  Michael Miller

              with a copy to:

              Bryan Cave LLP
              1200 Main Street, 35th Floor
              Kansas City, MO 64105
              Attention:  Morris K. Withers, Esq.

              If to Sellers, to:
              ------------------
              Ronald S. Essary
              c/o Creative Marketing International Corporation
              7415 West 130th Street, Suite 300
              Overland Park, KS  66213

              with a copy to:

              Robert O. Jester, Esq.
              Ensz & Jester P.C.
              2121 City Center Square
              1100 Main Street
              Kansas City, MO  64105

or to such other address as the addressee may have specified in a notice duly
given to the sender and to counsel as provided herein. Such notice, request,
demand, waiver, consent, approval or other communication will be deemed to have
been given as of the date so delivered or, if mailed, three business days after
the date so mailed, or if sent by Federal Express or express delivery service,
when received by the addressee.

                  8.6. Kansas Law to Govern. This Agreement shall be governed by
and interpreted and enforced in accordance with the substantive laws of the
State of Kansas without regard to the conflicts of law provisions thereof.

                  8.7. No Benefit to Others. The representations, warranties,
covenants and agreements contained in this Agreement are for the sole benefit of
the parties hereto and their heirs, executors, legal representatives, successors
and permitted assigns, and they shall not be construed as conferring and are not
intended to confer any rights on any other persons.

                                       23
<PAGE>   27

                  8.8. Entire Agreement; Amendments. This Agreement, together
with any documents referred to herein, sets forth the entire agreement of the
parties hereto with respect to transactions contemplated hereby and supersedes
and replaces any prior written or oral agreements relating thereto. This
Agreement may only be amended or modified by a subsequently dated writing signed
by all parties hereto.

                  8.9. Exhibits and Schedules. The Exhibits and Schedules
identified in this Agreement are incorporated herein by reference and made a
part hereof. An item disclosed in a Schedule in response to one Section or
subsection of this Agreement shall not be deemed disclosed in response to any
other Section or subsection unless otherwise specifically provided in this
Agreement.

                  8.10. Cooperation. Subject to the provisions hereof, the
parties hereto shall use commercially reasonable efforts to take or cause to be
taken such actions to execute and deliver or cause to be delivered such
additional documents and instruments, and to do or cause to be done all things
necessary, proper or advisable under the provisions of this Agreement and under
applicable Law to consummate and make effective the transactions contemplated by
this Agreement.

                  8.11. Severability. Any provision of this Agreement which is
invalid or unenforceable in any jurisdiction shall be ineffective to the extent
of such invalidity or unenforceability without invalidating or rendering
unenforceable the remaining provisions hereof, and any such invalidity or
unenforceability in any jurisdiction shall not invalidate or render
unenforceable such provision in any other jurisdiction.

                  8.12. Counterparts. This Agreement may be executed in two or
more counterparts, each of which is an original and all of which together shall
be deemed to be one and the same instrument. This Agreement shall become binding
when one or more counterparts taken together shall have been executed and
delivered by all of the parties. It shall not be necessary in making proof of
this Agreement or any counterpart hereof to produce or account for any of the
other counterparts.

                  8.13. Representation By Counsel; Interpretation. The parties
hereto each acknowledge that each party to this Agreement has been represented
by counsel in connection with this Agreement and the transactions contemplated
by this Agreement. Accordingly, any rule of law, or any legal decision that
would require interpretation of any claimed ambiguities in this Agreement
against the party that drafted it has no application and is expressly waived.

                  8.14. No Contribution; Indemnity. Sellers shall have no right
of contribution, indemnity or other similar right against the Company whatsoever
with regard to claims asserted by Buyer pursuant to this Agreement or amounts
payable thereunder.

                                       24

<PAGE>   28

                  IN WITNESS WHEREOF, the parties hereto have duly executed this
Agreement by persons thereunto duly authorized as of the date first written
above.

                                              BUYER:

                                              AMVESTORS FINANCIAL CORPORATION

                                              By:  s/ Mark V. Heitz
                                                  ------------------------------
                                              Title:   President & CEO

                                              COMPANY:

                                              CREATIVE MARKETING INTERNATIONAL
                                              CORPORATION

                                              By:  s/ Ronald S. Essary
                                                  ------------------------------
                                              Title:  President

                                              SELLERS:

s/ Ronald S. Essary                           s/ Bradley B. Smith
-------------------------                     ----------------------------------
Ronald S. Essary                              Bradley B. Smith

s/ Michael R. Tripses                         s/ Philip A. Poje
-------------------------                     ----------------------------------
Michael R. Tripses                            Philip A. Poje

s/ William H. Moneymaker
-------------------------
William H. Moneymaker

                                       25<PAGE>   1

                                  EXHIBIT 10.52

                            STOCK PURCHASE AGREEMENT

                                  BY AND AMONG

                      AMERICAN INVESTORS SALES GROUP, INC.,

                         COMMUNITY BANK MARKETING, INC.

                                       AND

                       COMMUNITY FINANCIAL SERVICES, INC.

                                FEBRUARY 23, 2000

<PAGE>   2

                                TABLE OF CONTENTS
<TABLE>
<CAPTION>

                                                                                                                 Page
<S>        <C>                                                                                                  <C>
ARTICLE  1: PURCHASE AND SALE.....................................................................................1

         1.1.   Purchase and Sale of Purchased Shares.............................................................1
         1.2.   Purchase Price....................................................................................2

ARTICLE  2: CLOSING...............................................................................................2

         2.1.   Closing Date......................................................................................2
         2.2.   Deliveries........................................................................................3

ARTICLE  3: REPRESENTATIONS AND WARRANTIES OF SELLER..............................................................4

         3.1.   Organization and Good Standing....................................................................4
         3.2.   Authority and Binding Effect......................................................................4
         3.3.   Capitalization and Share Ownership................................................................4
         3.4.   Corporate Documents and Minute Books..............................................................5
         3.5.   Validity of Contemplated Transactions; Consents...................................................5
         3.6.   Ownership of Assets; Condition and Sufficiency....................................................6
         3.7.   Absence of Certain Changes Subsequent to September 30, 1999.......................................6
         3.8.   Returns and Reports; Taxes........................................................................7
         3.9    Employee Matters; Officers and Directors..........................................................8
         3.10   Compliance with Law...............................................................................8
         3.11.  Claims............................................................................................9
         3.12.  Financial Statements..............................................................................9
         3.13.  Undisclosed Liabilities...........................................................................9
         3.14.  Pension Plans; Employee Benefit Plans............................................................10
         3.15.  Real Property and Leaseholds.....................................................................11
         3.16   Contracts........................................................................................11
         3.17   Transactions With Affiliates.....................................................................11
         3.18.  Certain Information..............................................................................12
         3.19.  No Other Obligations.............................................................................12
         3.20   No Brokers.......................................................................................12
         3.21   No Guarantees....................................................................................12
         3.22   Company's Files..................................................................................12
         3.23   No Misrepresentation.............................................................................12

ARTICLE  4: REPRESENTATIONS AND WARRANTIES OF BUYER..............................................................13

         4.1    Organization and Standing........................................................................13
         4.2    Authority and Binding Effect.....................................................................13

ARTICLE  5: CERTAIN COVENANTS....................................................................................13

         5.1    Election of Board of Directors...................................................................13
         5.2    Rights and Restrictions Concerning Seller Shares.................................................13

ARTICLE  6: CONDITIONS TO CLOSING................................................................................15

         6.1    Conditions to Obligation of Buyer................................................................15
         6.2    Conditions to Obligations of Seller..............................................................15
</TABLE>

                                       i

<PAGE>   3

<TABLE>

<S>         <C>                                                                                                  <C>
ARTICLE  7: INDEMNIFICATION; REMEDIES............................................................................16

         7.1.   Investigations; Survival of Warranties and Indemnification Obligations...........................16
         7.2.   Indemnification by Seller........................................................................16
         7.3.   Indemnification by Buyer.........................................................................17
         7.4.   Notice of Claim; Payment.........................................................................17
         7.5.   Construction.....................................................................................17
         7.6    Limitations on Indemnity.........................................................................18

ARTICLE  8: MISCELLANEOUS........................................................................................18

         8.1.   Payment of Expenses..............................................................................18
         8.2.   Announcements....................................................................................18
         8.3.   Assignment and Binding Effect....................................................................18
         8.4.   Waivers..........................................................................................18
         8.5.   Notices..........................................................................................18
         8.6.   Kansas Law to Govern.............................................................................19
         8.7.   No Benefit to Others.............................................................................20
         8.8.   Entire Agreement; Amendments.....................................................................20
         8.9.   Schedule and Exhibits............................................................................20
         8.10.  Cooperation......................................................................................20
         8.11.  Severability.....................................................................................20

         8.12.  Counterparts.....................................................................................20
         8.13.  Representation By Counsel; Interpretation........................................................20
         8.14.  No Contribution; Indemnity.......................................................................20

</TABLE>

                                       ii

<PAGE>   4

                            STOCK PURCHASE AGREEMENT

                  This STOCK PURCHASE AGREEMENT (this "Agreement"), dated as of
February 23, 2000, is made by and among AMERICAN INVESTORS SALES GROUP, INC., a
Kansas corporation ("Buyer") and a wholly-owned subsidiary of AMVESTORS
FINANCIAL CORPORATION, a Kansas corporation ("AmVestors"), COMMUNITY BANK
MARKETING, INC., a Georgia corporation (the "Company"), and COMMUNITY FINANCIAL
SERVICES, INC., a Georgia corporation and sole shareholder of the Company
("Seller").

                                    RECITALS

                  WHEREAS, Seller owns 100,000 shares of the common stock, $.01
par value, of the Company (the "Common Stock"), which is all of the shares of
Common Stock issued and outstanding as of the time immediately prior to the date
of this Agreement (the "Seller Shares");

                  WHEREAS, the parties each desire to enter into, and this
Agreement contemplates, a transaction in which Buyer will purchase from the
Company and Seller, respectively, and the Company will issue and sell 100,000
shares of Common Stock (the "Company Portion") and Seller will sell and transfer
to Buyer 60,000 shares of the Seller Shares (the "Seller Portion" and, together
with the Company Portion, the "Purchased Shares"), for the consideration and on
the terms and conditions set forth herein (such transactions are collectively
referred to herein as the "Purchase"); and

                  WHEREAS, the parties each desire to enter into, and this
Agreement contemplates , certain covenants related to the governance of the
Company and future transfers of the outstanding Common Stock after closing of
the Purchase.

                                    AGREEMENT

                  NOW THEREFORE, in consideration of the foregoing premises and
respective covenants, representations and warranties herein contained and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, and intending to be legally bound hereby, the parties hereto agree
as follows:

                                   ARTICLE 1:
                                PURCHASE AND SALE

                  1.1.    Purchase and Sale of Purchased Shares. Upon the terms
and subject to the conditions of this Agreement and for the consideration
specified in Section 1.2 hereof, at the Closing, the Purchase will be
consummated in which:

                          (a)    the Company will issue, sell, transfer, convey
         and deliver to Buyer, free and clear of any mortgage, lien, security
         interest, pledge, encumbrance, restriction on transferability, defect
         of title, charge or claim of any nature whatsoever on any property or

<PAGE>   5

         property interest, except for Permitted Liens ("Liens"), all of the
         Company Portion of the Purchased Shares;

                          (b)    Seller will sell, transfer, assign, convey and
         deliver to Buyer, free and clear of any Liens, all of the Seller
         Portion of the Purchased Shares.

                 1.2.     Purchase Price. Subject to the terms and conditions of
this Agreement, and in consideration of the sale of the Purchased Shares by the
Company and Seller and the Company's and Seller's performance of this Agreement,
Buyer shall pay (i) to the Company $1,700,000 (the "Company Purchase Price") and
(ii) to Seller $500,000 (the "Seller Purchase Price" and, together with the
Company Purchase Price, the "Purchase Price"), payable as follows:

                          (a)    1,700,000 payable to the Company, as follows:

                                 (i)   $900,000 at Closing in immediately
                                 available funds;

                                 (ii)  $400,000 on January 1, 2001(the "First
                 Deferred Payment");

                                 (iii) $400,000 on January 1, 2002 (the "Second
                 Deferred Payment").

                          (b)    $500,000 payable to Seller at Closing in
                 immediately available funds.

The First Deferred Payment and the Second Deferred Payment shall be evidenced by
a promissory note of Buyer in the form of Exhibit 1.2-1 hereto (the "Buyer
Note"). AmVestors shall guaranty all the obligations of Buyer under the Buyer
Note pursuant to the guaranty in the form of Exhibit 1.2-2 hereto (the "Parent
Guaranty").

                                   ARTICLE 2:
                                     CLOSING

                 2.1.    Time and Place of Closing. The consummation (the
"Closing") of the Purchase shall take place on or before February 24, 2000, at
the offices of Bryan Cave LLP, 1200 Main Street, Suite 3500, Kansas City,
Missouri 64105, and commence upon the execution and delivery by the parties of
this Agreement on the date hereof. The date of the Closing is hereinafter
sometimes referred to as the "Closing Date." Each party shall cooperate, as to
matters under such party's control, in the satisfaction of the conditions to the
obligations of the parties at Closing; provided that the foregoing shall not
require any party to waive any condition herein to its obligations at the
Closing or to incur any substantial cost not otherwise required hereunder.

                                       2

<PAGE>   6

                 2.2. Deliveries at Closing.

                      (a)   At the Closing, the Company and Seller shall deliver
       or cause to be delivered to Buyer (the "Seller Closing Deliveries"):

                            (i)    fully executed, sealed and proper
                 certificates evidencing the Purchased Shares in negotiable
                 form;

                            (ii)   the release substantially in the form
                 attached hereto as Exhibit 2.2(a)(ii), duly executed by Seller
                 and dated as of the Closing Date;

                            (iii)  the opinion of counsel to the Company and
                 Seller substantially in the form attached hereto as Exhibit
                 2.2(a)(iii), duly executed by such counsel and dated as of the
                 Closing Date;

                            (iv)   the certificate of the chief executive
                 officer, chief financial officer and secretary, respectively,
                 of Seller and the Company certifying the satisfaction of the
                 closing conditions set forth in Sections 6.1(a), 6.1(b) and
                 6.1(c) hereof, and the signatures and incumbency of such
                 persons, and dated as of the Closing Date;

                            (v)    the employment, noncompetition and
                 confidentiality agreement of Charles Daniel substantially in
                 the form attached hereto as Exhibit 2.2(a)(v) (the "Employment
                 Agreement"), duly executed by Charles Daniel and the Company
                 and dated as of the Closing Date;

                            (vi)   resignations of all current directors of the
                 Company, effective upon the Closing; and

                            (vii)  such other documents, instruments and
                 certificates, duly executed by appropriate persons and dated
                 appropriately, as reasonably requested in writing by Buyer in
                 connection with the Purchase.

                      (b)   at the Closing, Buyer shall deliver or cause to be
       delivered to Seller and/or the Company, as the case may be, the following
       (the "Buyer Closing Deliveries"):

                            (i)    $1,400,000.00 in immediately available funds,
                 payable $500,000 to Seller and $900,000 to the Company, by wire
                 transfer to such account or accounts as have been designated by
                 Seller and the Company, respectively, in writing to Buyer no
                 less than one (1) business day before Closing;

                            (ii)   the Buyer Note, executed by a duly authorized
                 officer of Buyer;

                            (iii)  the Parent Guaranty, executed by a duly
                 authorized officer of AmVestors; and

                                       3

<PAGE>   7

                            (iv)    the certificates of the duly authorized
                 officer of Buyer who signed this Agreement on behalf of Buyer
                 and the secretary of Buyer, respectively and certifying the
                 satisfaction of the closing conditions set forth in Sections
                 6.2(a), 6.2(b) and 6.2(c), and the signatures and incumbency of
                 such persons, dated the Closing Date.

                                   ARTICLE 3:
                    REPRESENTATIONS AND WARRANTIES OF SELLER

                  Seller hereby represents and warrants to Buyer as follows:

                  3.1.    Organization and Good Standing. Each of Seller and the
Company is a corporation duly incorporated, validly existing, and in good
standing under the laws of the State of Georgia, having full power and authority
to carry on its business as it is now being conducted and to own, lease and
operate its assets. The Company has no subsidiaries. The Company has no stock or
other equity or ownership interest (whether controlling or not) in any business
or other entity. The Company is duly qualified to do business and is in good
standing in all states and jurisdictions in which it is required to be so
qualified, except where the failure to be so qualified would not have an adverse
effect on the business of the Company. The Company has all state and local
licenses required for the operation of its business as it is now being
conducted. The Company is not a partner, venturer, guarantor or obligor in any
joint venture, partnership or other arrangement or contract.

                  3.2.    Authority and Binding Effect. Each of Seller and the
Company has the full power, authority and capacity to execute, deliver and
perform (or cause to be delivered and performed) its respective obligations
under this Agreement and the other agreements, certificates, instruments, and
other documents necessary to consummate any of the transactions contemplated by
this Agreement ("Transaction Documents") to be executed by them. This Agreement
constitutes, and each of the Transaction Documents to be executed by Seller and
the Company when executed and delivered pursuant hereto will constitute, the
legal, valid and binding obligation of each of them, as the case may be,
enforceable against each of them, as the case may be, in accordance with its
terms, except as such enforceability may be limited by bankruptcy, insolvency,
reorganization, moratorium or other similar laws relating to creditors' rights
generally and remedies of specific enforcement and injunctive relief and other
forms of equitable relief and remedies.

                  3.3.    Capitalization and Share Ownership. The Company's
authorized capital stock consists of 500,000 shares of Common Stock
(collectively, the "Company Stock"). Without giving effect to the issuance of
the Purchased Shares, there are 100,000 shares of Common Stock issued and
outstanding, all of which shares are held by Seller of record and beneficially,
free and clear of any Liens. The Seller Portion has been, and when issued at the
Closing pursuant to this Agreement the Company Portion shall be, duly
authorized, validly issued, fully paid and nonassessable. The Seller Portion has
not, and the Company Portion when issued at the Closing pursuant to this
Agreement will not have been, issued in violation of (i) the terms of

                                       4

<PAGE>   8

any written or oral contract, agreement, lease, plan, instrument or other
document, commitment, arrangement, undertaking or authorization ("Contract")
binding upon the Company or Seller or (ii) the Articles of Incorporation and
Bylaws of the Company and any applicable statute, law, ordinance, regulation,
decision, order or rule of any Governmental Authority ("Law"), including,
without limitation, the Securities Act of 1933, as amended, and the rules and
regulations thereunder and all federal and state securities or "blue sky" laws
and regulations. Other than the Seller Portion, and immediately prior to the
issuance of the Company Portion at the Closing pursuant to this Agreement, there
have been no issuances by the Company of Company Stock. There are, and have
been, no preemptive rights with respect to the issuance of the Company Stock.
There are no Contracts, subscriptions, convertible debt obligations, options,
warrants, calls, rights of first refusal, commitments or rights of any character
to purchase or otherwise acquire any Company Stock, equity, capital shares or
other securities of the Company, whether or not presently issued, outstanding or
exercisable, from Seller or the Company.

                  3.4.    Corporate Documents and Minute Books. The Company has
given Buyer reasonable access to, true, correct and complete copies of:

                          (a)    The minute books of the Company which are
           current and contain correct and complete copies of the Articles of
           Incorporation and Bylaws of the Company, including all amendments
           thereto and restatements thereof, and of all minutes of meetings,
           resolutions and other actions and proceedings of its shareholders and
           board of directors and all committees thereof; and

                          (b)    The stock record book of the Company which is
           current, correct and complete and reflects the issuance of all shares
           of Company Stock, including the issuance of the Seller Shares to
           Seller, and subsequent transfers, redemptions and/or cancellations
           thereof.

                  3.5.    Validity of Contemplated Transactions; Consents.

                          (a)    Neither the execution and delivery of this
           Agreement by Seller or the Company, nor the execution and delivery of
           the Transaction Documents by Seller or the Company, nor the
           consummation by them of the transactions contemplated hereby or
           thereby will directly or indirectly (except as set forth on Schedule
           3.5 hereof):

                                 (i)    Contravene, conflict with or result
                  (with or without notice or lapse of time) in violation of (i)
                  any of the provisions of the Articles of Incorporation or
                  Bylaws of the Company; or (ii) any resolution adopted by the
                  Board of Directors or the shareholders of the Company that is
                  in effect on the date hereof;

                                 (ii)   Contravene, conflict with or result
                  (with or without notice or lapse of time) in a violation of
                  any Law or any judgment, decree, injunction, order or ruling
                  of any federal, state, local, foreign, national, or
                  provincial, governmental agency, body, authority, district,
                  board, commission, court, tribunal, political subdivision or
                  other governmental instrumentality or any self-regulatory

                                       5

<PAGE>   9

                  organization ("Governmental Authority") that is binding on
                  Seller or the Company or their property under applicable Law
                  ("Court Order") to which the Company or Seller is subject;

                                 (iii)    Contravene, conflict with or result
                  (with or without notice or lapse of time) in a violation or
                  breach of any of the provisions of, or give any natural person
                  or business or other entity ("Person") the right (with or
                  without notice or lapse of time) to declare a breach of or
                  default under any Contract ("Default") or exercise any right
                  or remedy under, or to accelerate the maturity or performance
                  of or cancel, terminate or modify, any Contract that involves
                  or pertains to (i) the payment, receipt or obligation for
                  payment of money, property or benefits equal to, totaling or
                  exceeding $25,000 singularly (or in the aggregate for similar
                  or related Contracts), (ii) the liquidated obligation or
                  payment of damages equal to or exceeding $25,000 upon default
                  or termination, (iii) an obligation enforceable through
                  equitable remedies, including injunction, (iv) a covenant of
                  non-competition, non-solicitation or confidentiality or (v)
                  any prohibition or restriction of business activities
                  ("Material Contract") to which the Company or Seller is a
                  party or under which the Company has any rights, or by which
                  the Company, or any of the assets owned or used by the Company
                  may be bound; or

                                 (iv)    Result (with or without notice or lapse
                  of time) in the imposition or creation of any Lien upon or
                  with respect to any of the assets of the Company.

                           (b)    The Company is not or will not be required to
         give any notice to or obtain any consent from, and Seller is not and
         will not be required to give any notice to or obtain any consent from,
         any Person under any Contract or Governmental Authority in connection
         with the execution and delivery of this Agreement or any of the
         Transaction Documents or the consummation or performance by Seller or
         the Company of the provisions thereof, including the Purchase.

                  3.6.    Ownership of Assets; Condition and Sufficiency. The
Company has good and valid title to all of the assets reflected on the Latest
Balance Sheet. The Company owns all of its assets free and clear of all Liens,
except for Liens securing purchase money obligations or described in Schedule
3.6 hereof ("Permitted Liens"). Taken as a whole, the tangible assets and
properties which are part of the Company's assets reflected on the Latest
Balance Sheet are in good operating condition and repair (ordinary wear and tear
excepted), are adequate to operate the Company's business as currently conducted
and are useable in the ordinary course of business of the Company consistent
with its past and reasonably prudent customs and practice ("Ordinary Course of
Business").

                  3.7.    Absence of Certain Changes Subsequent to September 30,
1999. Except as set forth on Schedule 3.7 hereto, since the date of the Latest
Balance Sheet there has not been any adverse change in the business, prospects,
conditions (financial or otherwise), earnings, assets or operations of the
Company or its business involving (if a financial change) more than $25,000.

                                       6

<PAGE>   10

                  3.8.    Returns and Reports; Taxes.

                          (a)    The Company has filed or caused to be filed on
         a timely basis all returns (including any information return), reports,
         statements, declarations, schedules, notices, notifications, forms or
         other document or information filed with or submitted to, or required
         to be filed by the Company prior to the Closing with or submitted to,
         any Governmental Authority in connection with the determination,
         assessment, collection or payment of any tax or in connection with the
         administration, implementation or enforcement of or compliance with any
         Law relating to any tax ("Tax Returns") that are or were required to be
         filed by or with respect to it pursuant to the Law of each Governmental
         Authority with taxing power over it or its assets. The Company has paid
         all taxes that have or may have become due pursuant to those Tax
         Returns, or otherwise, or pursuant to any assessment received by the
         Company or Seller, except such taxes, if any, as are set forth in
         Schedule 3.8, and are being contested in good faith and (with respect
         to the Company) as to which adequate reserves (determined in accordance
         with generally accepted accounting principles consistently applied
         ("GAAP")) have been provided in the books of account of the Company and
         on the Latest Balance Sheet.

                          (b)    The federal and state Tax Returns previously
         filed by the Company have not been audited by the Internal Revenue
         Service or relevant state tax authorities. Neither Seller nor the
         Company has given or been requested to give waivers or extensions (or
         is or would be subject to a waiver or extension given by any other
         Person) of any statute of limitations relating to the payment of taxes
         of the Company now due or for which the Company may be liable.

                          (c)    The charges, accruals, receivables and reserves
         with respect to taxes on the books of the Company are adequate
         (determined in accordance with GAAP) and are at least equal to the
         Company's direct or indirect liability, indebtedness, obligation,
         expense, claim, deficiency or guaranty of or by any person of any type,
         whether accrued, absolute, contingent, matured or unmatured
         ("Liability") for taxes. To the actual knowledge of each and any of the
         directors and officers of Seller and the Company ("Seller's
         Knowledge"), there exists no proposed tax assessment against the
         Company. All taxes that the Company is or was required by Law to
         withhold or collect have been duly withheld or collected and, to the
         extent required, have been paid to the proper Governmental Authority or
         other Person.

                          (d)    All Tax Returns filed by the Company are true,
         correct and complete. There are no tax liens (other than any lien for
         current taxes not yet due and payable) on any of the assets or
         properties of the Company. There is no basis for any additional
         assessment of any taxes. The Company has made all deposits required by
         law to be made with respect to the Company's employees' withholding and
         other employment taxes, including, without limitation, the portion of
         such deposits relating to taxes imposed upon the Company.

                                       7

<PAGE>   11

                  3.9.    Employee Matters; Officers and Directors.

                          (a)    The Company is not a party to any employment or
         consulting agreement with any Person or to any restrictive covenant
         agreement with any employee or with any former owner of the Company's
         business, which is currently in effect;

                          (b)    To Seller's knowledge, no employee or former
         employee of the Company is in Default under any term of any employment
         contract, agreement or arrangement relating to any intellectual
         property owned by the Company or noncompetition, nonsolicitation or
         nondisclosure arrangement, or any other Contract or any restrictive
         covenant relating to the right of any such employee to be employed by
         the Company because of the nature of the business conducted by the
         Company or relating to the use of any intellectual property of others;

                          (c)    To Seller's Knowledge, the Company is in full
         compliance with all Laws respecting employment and employment
         practices, terms and conditions of employment and wages and hours
         including, without limitation, the Fair Labor Standards Act, the Family
         and Medical Leave Act of 1993, the Americans with Disabilities Act of
         1990, the Veterans Reemployment Rights Act, the Occupational Safety and
         Health Act, the Employee Retirement Income Security Act of 1974, the
         Immigration Reform and Control Act of 1986, the Age Discrimination in
         Employment Act, Title VII of the Civil Rights Act of 1964, the Civil
         Rights Act of 1991, the Older Workers Benefit Protection Act each as
         amended to date. No severance obligations of any nature (whether
         accrued vacation pay, other accrued employment benefit or otherwise) is
         presently due to any employee of the Company or will be due to any
         employee of the Company upon consummation of the Purchase;

                          (d)    There are no claims against the Company now
         pending before any Governmental Authority. No present or former
         employee of the Company has given written or oral notice to the Company
         of, and, to Seller's Knowledge, there is no claim or any basis for any
         claim against the Company (whether under Law, any employment agreement
         or otherwise) on account of or for (i) overtime pay, other than
         overtime pay for the current payroll period, (ii) wages or salary
         (excluding current bonus, accruals and amounts accruing under pension
         and profit-sharing plans) for any period other than the current payroll
         period, (iii) vacation, time off or pay in lieu of vacation or time
         off, other than that earned in respect of the current fiscal year, or
         (iv) any violation of any Law relating to minimum wages or maximum
         hours of work;

                          (e)    The sole member of the Board of Directors of
         the Company is Bruce P. Leonard. The only officer of the Company is
         Charles R. Daniel who holds the offices of President and Secretary.

                  3.10.   Compliance with Law.

                          (a)    The Company is not in violation of any Court
         Order or, to Seller's Knowledge, any Law. The assets of the Company
         have not been used or operated by the

                                       8

<PAGE>   12

         Company or any other Person in violation of any Court Order or, to
         Seller's Knowledge, any Law. To Seller's Knowledge, the Company has not
         previously failed and is not currently failing to comply with any
         applicable Laws relating to the business of the Company or the
         operation of its assets where such failure or failures could have
         individually, or in the aggregate, an adverse effect on the Company or
         its business. Except as described on Schedule 3.10 hereof, there are no
         proceedings of record pending or, to Seller's Knowledge, threatened in
         writing against the Company or Seller. Neither the Company nor Seller
         has received any written notice or any oral notice regarding any
         existing or unresolved violation by the Company of any Law, including,
         without limitation, any requirement of any Governmental Authority.

                          (b)    The Company has delivered to Buyer, or properly
         identified and provided Buyer with reasonable access to, copies of all
         reports and other filings required to be filed by the Company with all
         Governmental Authorities since January 1, 1998. All such reports and
         filings were at the time of filing true and accurate, and were prepared
         in compliance with all applicable Laws.

                  3.11.    Claims. There is no lawsuit, action, arbitration,
administrative or other proceeding, criminal prosecution or governmental
investigation or inquiry or examination or audit involving the Company, its
business or any Contracts to which the Company is a party or by which it or any
of the assets of the Company or its business may be bound ("Proceeding") now
pending or, to Seller's Knowledge, threatened in writing before any court, grand
jury, administrative or regulatory body, Governmental Authority, arbitration or
mediation panel or similar body to which the Company or Seller is a party, nor
is there any judgment, decree, injunction, rule or order of any court,
Governmental Authority, commission, agency, instrumentality or arbitrator
outstanding against the Company, in an amount (awarded or sought, as the case
may be) greater than $25,000.

                  3.12.    Financial Statements. The Company has provided to
Buyer copies of its (i) unaudited balance sheet and statement of income, changes
in shareholders' equity, and cash flow for the Company (collectively, "Financial
Statements") as of and for the fiscal year ending December 31, 1998, and (ii)
unaudited Financial Statements as of and for the interim period ending September
30, 1999. All Liabilities of the Company at December 31, 1998, required to be
reflected or reserved for by GAAP are fairly reflected or reserved for in the
Company's balance sheet at December 31, 1998 (the "Latest Balance Sheet").
December 31, 1998 is referred to as the "Latest Balance Sheet Date" in other
parts of this Agreement. The Financial Statements are true, complete, and
accurate in all material respects and were prepared in accordance with GAAP
(except as otherwise disclosed therein) and fairly present the financial
position and results of operations of the Company at the dates and for the
periods covered, except adjustments that are necessary for a fair presentation
of the information shown, none of which are material.

                  3.13.   Undisclosed Liabilities. The Company has no Liability
except:
                          (a)    Those Liabilities set forth or adequately
         reserved for on the Latest Balance Sheet and not heretofore paid or
         discharged;

                                       9

<PAGE>   13

                          (b)    Those Liabilities arising in the Ordinary
         Course of Business consistent with past practice under any Contract;
         and

                          (c)    Those Liabilities incurred in the Ordinary
         Course of Business consistent with past practice since the Latest
         Balance Sheet Date and not heretofore paid or discharged.

                  3.14.   Pension Plans; Employee Benefit Plans.

                          (a)    Pension Benefit Plans. There is no "employee
         pension benefit plan" (within the meaning of Section 3(2) of the
         Employee Retirement Income Security Act of 1974, as amended, and the
         rules and regulations thereunder ("ERISA")) maintained by the Company
         or to which the Company contributes or is required to contribute,
         including any multiemployer plan ("Pension Benefit Plan").

                          (b)    Compliance with Applicable Law. Each "employee
         welfare benefit plan" (within the meaning of Section 3(1) of ERISA)
         maintained by the Company or to which the Company contributes or is
         required to contribute, including any multiemployer plan ("Welfare
         Benefit Plan"), any related trust agreements, annuity contracts, and
         other funding instruments, if any, comply in all material respects with
         the provisions of ERISA and the Internal Revenue Code of 1986, as
         amended (the "Code"), and the rules and regulations thereunder and all
         other Laws applicable to such Welfare Benefit Plans. The Company has
         performed all of its obligations currently required to have been
         performed under all Welfare Benefit Plans. There are no Proceedings
         (other than routine claims for benefits) pending or threatened in
         writing against or with respect to any Welfare Benefit Plans or the
         assets of such plans. No facts exist that could give rise to any
         Proceedings (other than routine claims for benefits) against such plans
         or the assets of such plans which if decided adversely could have an
         adverse effect on the Company or its business. No event has occurred
         that will or would reasonably be expected to subject any Welfare
         Benefit Plan to any tax under Section 511 of the Code.

                          (c)    Administration of Plans. Each Welfare Benefit
         Plan has been administered to date in compliance in all material
         respects with the requirements of ERISA and the Code. No plan fiduciary
         of any Welfare Benefit Plan has engaged in (i) any transaction in
         violation of Section 406(a) or (b) of ERISA, or (ii) any "prohibited
         transaction" (within the meaning of Section 4975(c)(1) of the Code) for
         which no exemption exists under Section 408 of ERISA or Section 4975(d)
         of the Code.

                          (d)    Other Employee Benefit Plans and Agreements.
         Schedule 3.14 lists each fringe benefit, profit sharing, deferred
         compensation, bonus, stock option, stock purchase, pension, retainer,
         consulting, retirement, welfare, or other incentive plan or agreement
         or employment agreement and any other employee benefit plan, agreement,
         arrangement, or commitment that is maintained by the Company or to
         which the Company contributes or is required to contribute.

                                       10

<PAGE>   14

                          (e)    Continuation Coverage Requirements for Health
         Plans. All group health plans of the Company (including any plans of
         affiliates of the Company that must be taken into account under Section
         4980B of the Code) have been operated in compliance with the group
         health plan continuation coverage requirements of Section 4980B of the
         Code and Title I, Part 6 of ERISA.

                          (f)    Valid Obligations. All Welfare Benefit Plans,
         related trust agreements, annuity contracts or other funding
         instruments, and all related plans, agreements, arrangements and
         commitments referred to in the Disclosure Schedule are legal, valid and
         binding and in full force and effect, and there are no defaults
         thereunder. None of the rights of the Company thereunder will be
         impaired by the consummation of the Purchase and the transactions
         contemplated by this Agreement, and all of the rights of the Company
         thereunder will be enforceable by Buyer at and after the Closing
         without the consent or agreement of any other party.

                          (g)    Severance or Vesting. Other than by reason of
         actions taken by Buyer following the Closing, the consummation of the
         Purchase and the transactions contemplated by this Agreement will not
         (A) entitle any current or former employee of the Company to severance
         pay, unemployment compensation or any other payment, except as
         expressly provided in this Agreement, (B) accelerate the time of
         payment or vesting, or increase the amount of compensation due to any
         such employee or former employee, (C) result in any prohibited
         transaction described in Section 406 of ERISA or Section 4975 of the
         Code for which an exemption is not available, or (D) give rise to the
         payment of any amount that would not be deductible pursuant to the
         terms of Section 280G of the Code.

                  3.15.   Real Property and Leaseholds. The Company does not
own in fee simple or otherwise any land, including buildings and improvement
thereon.

                  3.16.   Contracts. The Company's Material Contracts are in
full force and effect and are valid, binding and enforceable in accordance with
their terms, except as such enforceability may be limited by bankruptcy,
insolvency, reorganization, moratorium or other similar laws relating to
creditors' rights generally and remedies of specific enforcement and injunctive
relief and other forms of equitable relief and remedies.

                  3.17.   Transactions With Affiliates. Except with respect to
the ownership of the Seller Shares by Seller:

                          (a)    No director or officer of the Company has any
         direct or indirect financial interest in any competitor with, or
         supplier or customer of, the Company; provided, however, that for this
         purpose ownership of corporate securities having no more than 5% of the
         outstanding voting power of any competitor, supplier or customer, which
         securities are listed on any national securities exchange or authorized
         for quotation on the NASDAQ National Market, shall not be deemed to be
         such a financial interest, provided that such director or officer has
         no other connection or relationship with such competitor, supplier or
         customer;

                                       11

<PAGE>   15

                          (b)    Neither Seller nor any director or officer of
         the Company, or any of its, his or her affiliates, owns or has an
         ownership interest in any corporation or other entity that is a party
         to, or in any property which is the subject of, Contracts, business
         arrangements or relationships of any kind with the Company;

                          (c)    The Company is not indebted to Seller or any
         director, officer, employee or agent of the Company except for amounts
         due as normal salaries, wages, employee benefits and bonuses and in
         reimbursement of ordinary expenses on a basis consistent with the past
         practices of the Company;

                          (d)    Neither Seller nor any director, officer,
         employee or agent of the Company is indebted to the Company except for
         advances for ordinary business expenses on a basis consistent with the
         past practices of the Company.

                  3.18.   Certain Information. Schedule 3.18 lists:

                  (a)     all bank accounts, lock boxes, post office boxes and
safe deposit boxes maintained in the name of or controlled by the Company and
the names of the persons having access thereto; and

                  (b)     the location and name of the safekeeper of all safe,
security and computer passwords, codes, log-ins, combinations and similar
information necessary to avail, access or use Company property.

                  3.19.   No Other Obligations. Except as provided in this
Agreement or as described in Schedule 3.19 hereof, neither the Company nor
Seller has any legal or contractual obligation, absolute or contingent, to sell
all or any part of the assets of the Company (other than in the Ordinary Course
of Business), or any equity interest in the Company or to effect any merger,
consolidation or reorganization of the Company or to enter into any agreement
with respect thereto.

                  3.20.   No Brokers. Neither the Company, Seller, nor anyone
acting on their behalf has directly or indirectly engaged the services of a
broker or finder or other person who may be entitled to any brokerage fee or
commission in connection with the transaction referenced herein.

                  3.21.   No Guarantees. The Company is not a guarantor,
indemnitor, surety or accommodation party or otherwise liable for any
indebtedness of any other person, firm or corporation, except as endorser of
checks received and deposited in the Ordinary Course of Business.

                  3.22.    Company's Files. Buyer and its representatives have
been given access to all books, records and files relating to the Company and
its business, property rights, assets and liabilities.

                  3.23.    No Misrepresentation. No representation or warranty
made by Seller or the Company in this Agreement (including the Schedules
attached hereto) or in any of the

                                       12

<PAGE>   16

Transaction Documents contains any untrue statement of a fact or omits to state
a fact necessary to make the statements herein and therein not false or
misleading in light of the circumstances in which they are made.

                                   ARTICLE 4:
                     REPRESENTATIONS AND WARRANTIES OF BUYER

                  Buyer hereby represents and warrants to Seller and the Company
                  as follows:

                  4.1.    Organization and Standing. Buyer is a corporation duly
organized, validly existing and in good standing under the laws of the State of
Kansas and has all requisite corporate power and authority to perform its
obligations under this Agreement.

                  4.2.    Authority and Binding Effect. Buyer has the corporate
power and authority to execute, deliver and perform this Agreement and all of
the Transaction Documents to which it is a party. The execution, delivery and
performance of this Agreement and the Transaction Documents to which it is a
party and the consummation of the Purchase by Buyer have been duly authorized by
all necessary corporate action and will neither contravene nor violate the
Articles of Incorporation or Bylaws of Buyer. This Agreement constitutes, and
each of the Transaction Documents to which it is a party when executed and
delivered pursuant hereto will constitute, the legal, valid and binding
obligation of Buyer, enforceable against it in accordance with their terms.

                                   ARTICLE 5:
                                CERTAIN COVENANTS

                  5.1.    Election of Board of Directors Immediately after
consummation of the Purchase, Seller and Buyer shall each execute and deliver,
and the Company shall accept and include in its minute book and otherwise give
effect to, a unanimous consent of shareholders to (i) establish the number of
directors of the Company to be eight and (ii) elect a new Board of Directors of
the Company consisting of five persons nominated by Buyer (initially, Mark
Heitz, Steve Hinrichs, Al Atha, Tom Fogt and Mike Miller) and three persons
nominated by Seller (initially, Dan Speight, Charles Daniel and Kevin Tweddle).
Thereafter with respect to elections of directors and for so long as Seller
shall own at least 10% of the outstanding shares of Common Stock, Buyer shall be
entitled to nominate five directors, and Seller shall be entitled to nominate
three directors, and Buyer and Seller shall each vote their shares of Common
Stock in favor of those nominated to effect their election. In the event that a
director resigns, is removed, dies or becomes disabled and is no longer able to
serve, then the party nominating such director shall be entitled to name a new
director to fill such vacancy for the unexpired remaining term.

                  5.2.    Rights and Restrictions Concerning Seller Shares

                          (a)    Right of First Refusal. In the event that (i)
         Seller desires to sell, transfer, assign, pledge, encumber, hypothecate
         or otherwise dispose of any of the Seller Shares (a "Transfer of Seller
         Shares") during the ten-year period beginning on the date hereof and
         ending ten years after the date hereof (the "Refusal Period") and (ii)
         a third

                                       13

<PAGE>   17

         party makes a bona fide offer (an "Offer") for such Seller Shares,
         Seller shall first offer the Seller Shares to Buyer on the same terms
         and conditions as the Offer received. The terms and conditions of any
         Offers received shall be set forth in writing, and a copy of such Offer
         shall promptly be provided by Seller to Buyer, together with reasonable
         financial and business information concerning the proposed
         purchaser(s). Buyer shall then have thirty (30) days from the date a
         copy of the Offer is delivered (the "Option Exercise Period") in which
         to advise Seller in writing whether it elects to purchase the Seller
         Shares on the terms and conditions of such Offer. If Buyer does not
         timely elect to purchase the Seller Shares covered by the Offer, then
         such Seller Shares may be sold to the third party on the terms of the
         Offer for a period of twenty (20) days after expiration of the Option
         Exercise Period and such third party shall not be bound by the terms of
         this Agreement with respect to such Seller Shares; provided however,
         that if Seller desires to sell for a lesser price, or on terms more
         favorable to the purchaser, or after the 20-day period, then a new
         written Offer shall be submitted to Buyer in the same manner and
         subject to Buyer's right of refusal again as provided herein.

                          (b)    No Transfer of Seller Stock to Third Party.
         Seller shall not engage in, nor shall the Company permit recordation on
         its books of, any Transfer of Seller Shares during the Refusal Period
         without full compliance with the provisions of this Agreement. Any
         Transfer of Seller Shares in violation of this Agreement shall be void.

                          (c)    Put Right. If in the future Seller is not
         permitted under then applicable laws, rules, regulations and approvals
         to maintain its ownership of all of the Seller Shares held by Seller on
         the Closing Date, Seller shall have the right to require Buyer to
         purchase all or a portion of such shares (the "Put Shares") on a date
         not less than 90 days after the date Seller gives notice to that effect
         to Buyer. The purchase price per share for the Put Shares shall be an
         amount equal to 1.2 times the book value per share of the Put Shares as
         reflected in the regularly prepared financial statements of the Company
         or, if such book value is in dispute, as determined by an independent
         auditor mutually acceptable to Buyer and Seller.

                          (d)    Share Rights and Legend. Seller shall be
         entitled to vote the Seller Shares and receive dividends on the Seller
         Shares, and shall have all other rights of a shareholder during the
         Refusal Period and prior to any permitted Transfer of Seller Shares
         done in conformity with the provisions of this Agreement. Any shares of
         Company Stock hereafter acquired by Seller during the Refusal Period
         shall also be covered by this Agreement automatically. Seller shall
         submit the certificates representing the Seller Shares to the Company,
         and the Company shall place the following legend on the certificate(s)
         for Seller Shares issued to Seller:

                 "The shares represented by this certificate are
                 subject to certain restrictions on transfer pursuant
                 to the provisions of the Stock Purchase Agreement
                 dated February 23, 2000 among American Investors
                 Sales Group, Inc., Community Bank Marketing, Inc. and
                 Community Financial Services, Inc. and may be
                 transferred only in accordance with the provisions
                 thereof."

                                       14

<PAGE>   18

                                   ARTICLE 6:
                              CONDITIONS TO CLOSING

                  6.1.    Conditions to Obligation of Buyer. The obligation of
Buyer to consummate the transactions contemplated by this Agreement is subject
to satisfaction, at or prior to the Closing of each of the following conditions
unless Buyer shall have waived such satisfaction pursuant to Section 8.4:

                          (a)    Each of the representations and warranties of
         Seller set forth in this Agreement shall be true and correct as of the
         Closing;

                          (b)    On or prior to the Closing Date, Seller and the
         Company shall have performed and complied with all of the covenants set
         forth in this Agreement to be performed or complied with by them or it
         at or prior to the Closing Date;

                          (c)    No Proceeding or regulation or legislation
         shall have been instituted, threatened in writing or proposed before,
         nor any Court Order issued by, any Governmental Authority to enjoin,
         restrain, prohibit or obtain substantial damages (i) in respect of, or
         which is related to, or arises out of, this Agreement or the
         consummation of the Purchase, or (ii) which, in the reasonable judgment
         of Buyer, could have a material adverse effect on the Company, its
         business or the assets of the Company;

                          (d)    The Company shall have delivered to Buyer a
         certificate issued by the Secretary of State of Georgia, evidencing the
         corporate good standing of the Company in Georgia as of a date not more
         than five (5) business days prior to the Closing Date;

                          (e)    The Board of Directors of Buyer shall have
         approved the execution and delivery of this Agreement and the
         consummation of the transactions contemplated hereby; and

                          (f)    Seller shall have delivered to Buyer duplicate
         counterparts of the Distribution and Services Agreement in the form of
         Exhibit 6.1(f) hereto duly executed by The Bankers Bank, a Georgia
         banking corporation.

                  6.2.    Conditions to Obligations of Seller. The obligations
of Seller and the Company to consummate the transactions contemplated by this
Agreement is subject to satisfaction, at or prior to the Closing of each of the
following conditions unless the Company and Seller shall have waived such
satisfaction pursuant to Section 8.4:

                          (a)    Each of the representations and warranties of
         Buyer set forth in this Agreement shall be true and correct as of the
         Closing;

                          (b)    On or prior to the Closing Date, Buyer shall
         have performed and complied with all of the covenants set forth in this
         Agreement to be performed or complied with by it at or prior to the
         Closing Date;

                                       15

<PAGE>   19

                          (c)    There shall not be any injunction, judgment,
         order, decree, ruling or charge in effect preventing consummation of
         any transactions contemplated by this Agreement;

                          (d)    The Board of Directors of Seller and the
         Company shall have approved the execution and delivery of this
         Agreement and the consummation of the transactions contemplated hereby;
         and

                          (e)    Buyer shall have delivered to Seller duplicate
         counterparts of the Distribution and Services Agreement in the form of
         Exhibit 6.1(f) hereto duly executed by Buyer.

                                   ARTICLE 7:
                            INDEMNIFICATION; REMEDIES

                  7.1.    Investigations; Survival of Warranties and
Indemnification Obligations. The respective representations and warranties of
Seller, the Company and Buyer contained herein or in any certificates or other
documents delivered at the Closing are true, accurate and correct and shall not
be deemed waived (except to the extent waived in writing pursuant to Section
8.4) or otherwise affected by any investigation made by any party hereto or by
the occurrence of the Closing. Except to the extent set forth herein to the
contrary, each and every such representation and warranty and indemnification
obligation of any party hereunder shall survive until September 30, 2001;
provided, however, that:

                          (a)    all representations and warranties under
         Sections 3.1 [Organization and Good Standing], 3.2 [Authority and
         Binding Effect] and 3.3 [Capitalization and Share Ownership], and the
         provisions, covenants and obligations of Articles 5 [Certain
         Covenants], 7 [Indemnification; Remedies] and 8 [Miscellaneous] shall
         survive the Closing without expiration; and

                          (b)    all representations and warranties under
         Sections 3.8 [Returns and Reports; Taxes] and 3.13 [Undisclosed
         Liabilities] shall survive the Closing for the applicable statute of
         limitations for matters thereunto arising, plus ninety (90) days.

Any claim made in accordance with Article 7 within the applicable survival
period shall survive the Closing until finally resolved notwithstanding
expiration of the applicable survival period.

                  7.2.    Indemnification by Seller. Seller shall indemnify and
hold harmless Buyer, the Company and their respective directors, officers,
agents and attorneys (collectively, the "Indemnified Persons"), and shall
reimburse the Indemnified Persons for, any loss, Liability, claim, damage,
expense (including, but not limited to, costs of investigation and defense and
reasonable attorneys' and accountants', consultants' and experts' fees and
expenses that would not have otherwise been expended but for the breach) whether
or not involving a third-party claim (collectively, "Damages") for which a claim
is made prior to the expiration of the survival period, if any, under Section
7.1, arising from or based on any of the following:

                                       16

<PAGE>   20

                          (a)    any inaccuracy or omission in any of the
         representations and warranties of Seller or the Company in this
         Agreement or in any document, agreement, instrument or certificate
         delivered by Seller at the Closing pursuant to this Agreement;

                          (b)   any failure by Seller (or to the extent it is
         under Seller's control, the Company) to perform or comply with any
         agreement or covenant in this Agreement, or under any document,
         agreement, instrument or certificate delivered at the Closing by Seller
         pursuant to this Agreement.

Seller agrees that it shall have no rights of any nature whatsoever against the
Company from any and all claims arising out of, in connection with or relating
to the assertion by an Indemnified Person of a right to indemnification.

                  7.3.    Indemnification by Buyer. Buyer shall indemnify and
hold harmless Seller and shall reimburse it for any Damages for which a claim is
made prior to the expiration of the survival period, if any, under Section 7.1,
arising from or based on any of the following:

                          (a)    any inaccuracy in any of the representations
         and warranties of Buyer in this Agreement or in any document,
         agreement, instrument or certificate delivered by Buyer at the Closing
         pursuant to this Agreement, or

                          (b)    any failure by Buyer (or to the extent it is
         under Buyer's control, the Company) to perform or comply with any
         agreement or covenant in this Agreement or under any document,
         agreement, instrument, or certificate delivered at the Closing by Buyer
         pursuant to this Agreement.

                  7.4.    Notice of Claim; Payment.

                          (a)    Notice. In the event that any party hereunder
         determines that it is entitled to an indemnity payment pursuant to this
         Article 7, such party shall deliver a written notice to the
         indemnifying party.

                          (b)    Disputed Claim. If the indemnifying party
         disputes all or any portion of the claim, the indemnifying party must
         provide written notice of its objection (detailing the objection) to
         the indemnified party within fifteen (15) business days after the
         receipt of the claim from the indemnified party (an "Objected Claim").

                          (c)    Interest on Unpaid Claims. If all or part of
         any indemnification obligation under this Agreement is not paid when
         due, then the indemnifying party or parties shall pay the indemnified
         party or parties interest on the unpaid amount of the obligation, at
         the fluctuating rate per annum announced in The Wall Street Journal as
         the prime rate on the Closing Date, for each day from the date the
         amount was originally due until payment in full.

                  7.5.    Construction. The parties intend that each
representation, warranty and covenant herein shall have independent
significance. If any party has breached any representation, warranty or covenant
contained herein in any respect, the fact that there exists another

                                       17

<PAGE>   21

representation, warranty or covenant relating to the same subject matter
(regardless of the relative levels of specificity) which the party has not
breached shall not detract from or mitigate the fact that the party is in breach
of the first representation, warranty or covenant, as the case may be.

                  7.6.    Limitations on Indemnity.

                          (a)    Tipping Basket. No indemnification payments
         shall be payable pursuant to the indemnification obligations of Seller
         pursuant to Section 7.2 or the indemnification obligations of Buyer
         pursuant to Section 7.3, respectively, unless the total aggregate
         indemnification obligations under either such Section, as applicable to
         the indemnifying party, exceeds $50,000 (the "Threshold Amount"). Once
         the Threshold Amount is satisfied against an indemnifying party, the
         indemnifying party shall pay to the indemnified party the Threshold
         Amount plus the amount of all indemnification obligations in excess of
         the Threshold Amount, subject to the provisions of Section 7.6(b)
         below.

                          (b)    Maximum. The maximum amount of Damages payable
         by Buyer on one hand, and Seller, on the other hand, under this Article
         7 shall be the Seller Purchase Price.

                                   ARTICLE 8:
                                  MISCELLANEOUS

                  8.1.    Payment of Expenses. Except as otherwise specifically
provided herein, each of Seller, the Company and Buyer will pay all legal,
accounting, investment banking and other fees and expenses which such party
incurs in connection with this Agreement and the transactions contemplated
hereby.

                  8.2.    Announcements. No party to this Agreement shall make
any announcement in connection with the Purchase that has not been previously
approved in writing by Buyer and Seller, except for such announcement that it
reasonably deems advisable or appropriate in connection with its
responsibilities under the applicable securities laws.

                  8.3.    Assignment and Binding Effect. This Agreement may not
be assigned prior to the Closing by any party hereto without the prior written
consent of the other parties, except that Buyer may assign this Agreement to any
direct or indirect wholly-owned affiliate of AmVestors.

                  8.4.    Waivers. Any term or provision of this Agreement may
be waived at any time by the party entitled to the benefit thereof by a written
instrument executed by such party. No waiver by any party of any default,
misrepresentation, or breach of warranty or covenant hereunder, whether
intentional or not, shall be deemed to extend to any prior or subsequent
default, misrepresentation, or breach of warranty or covenant hereunder or
affect in any way rights arising by virtue of any prior or subsequent such
occurrence.

                  8.5.    Notices. Any notice, request, demand, waiver, consent,
approval or other communication which is required or permitted hereunder shall
be in writing and shall be deemed given only if delivered personally to the
address set forth below (to the attention of the

                                       18

<PAGE>   22

person identified below) or sent by registered or certified mail, postage
prepaid, or by Federal Express or other express delivery service as follows:

              If to Buyer, to:

              American Investors Sales Group, Inc.
              555 S. Kansas Avenue
              Topeka, KS 66601
              Attention:  Michael Miller

              with a copy to:

              Bryan Cave LLP
              1200 Main Street, 35th Floor
              Kansas City, MO 64105
              Attention:  Morris K. Withers, Esq.

              If to the Company, to:

              Community Bank Marketing, Inc.
              2410 Paces Summit
              Atlanta, GA 30339
              Attention: Charles R. Daniel

              If to Seller, to:

              Community Financial Services, Inc.
              2410 Paces Summit
              Atlanta, GA 30339
              Attention: Kevin M. Tweddle

              with a copy to:

              Morris, Manning & Martin, LLP
              1600 Atlanta Financial Center
              3343 Peachtree Road, N.E.
              Atlanta, GA 30326
              Attention: T. Daniel Brannan, Esq.

or to such other address as the addressee may have specified in a notice duly
given to the sender and to counsel as provided herein. Such notice, request,
demand, waiver, consent, approval or other communication will be deemed to have
been given as of the date so delivered or, if mailed, three business days after
the date so mailed, or if sent by Federal Express or express delivery service,
when received by the addressee.

                  8.6.    Kansas Law to Govern. This Agreement shall be governed
by and interpreted and enforced in accordance with the substantive laws of
Kansas without regard to the conflicts of law provisions thereof.

                                       19

<PAGE>   23

                  8.7.    No Benefit to Others. The representations, warranties,
covenants and agreements contained in this Agreement are for the sole benefit of
the parties hereto and their heirs, executors, legal representatives, successors
and permitted assigns, and they shall not be construed as conferring and are not
intended to confer any rights on any other persons.

                  8.8.    Entire Agreement; Amendments. This Agreement, together
with any documents referred to herein, sets forth the entire agreement of the
parties hereto with respect to transactions contemplated hereby and supersedes
and replaces any prior written or oral agreements relating thereto. This
Agreement may only be amended or modified by a subsequently dated writing signed
by all parties hereto.

                  8.9.    Schedules and Exhibits. The Exhibits and Schedules
identified in this Agreement are incorporated herein by reference and made a
part hereof. An item disclosed in a Schedule in response to one Section or
subsection of this Agreement shall not be deemed disclosed in response to any
other Section or subsection unless otherwise specifically provided in this
Agreement.

                  8.10.    Cooperation. Subject to the provisions hereof, the
parties hereto shall use commercially reasonable efforts to take or cause to be
taken such actions to execute and deliver or cause to be delivered such
additional documents and instruments, and to do or cause to be done all things
necessary, proper or advisable under the provisions of this Agreement and under
applicable law to consummate and make effective the transactions contemplated by
this Agreement.

                  8.11.    Severability. Any provision of this Agreement which
is invalid or unenforceable in any jurisdiction shall be ineffective to the
extent of such invalidity or unenforceability without invalidating or rendering
unenforceable the remaining provisions hereof, and any such invalidity or
unenforceability in any jurisdiction shall not invalidate or render
unenforceable such provision in any other jurisdiction.

                  8.12.    Counterparts. This Agreement may be executed in two
or more counterparts, each of which is an original and all of which together
shall be deemed to be one and the same instrument. This Agreement shall become
binding when one or more counterparts taken together shall have been executed
and delivered by all of the parties. It shall not be necessary in making proof
of this Agreement or any counterpart hereof to produce or account for any of the
other counterparts.

                  8.13.    Representation By Counsel; Interpretation. The
parties hereto each acknowledge that each party to this Agreement has been
represented by counsel in connection with this Agreement and the transactions
contemplated by this Agreement. Accordingly, any rule of law, or any legal
decision that would require interpretation of any claimed ambiguities in this
Agreement against the party that drafted it has no application and is expressly
waived.

                  8.14.    No Contribution; Indemnity. Seller shall have no
right of contribution, indemnity or other similar right against the Company
whatsoever with regard to this Agreement or amounts payable thereunder.

                                       20

<PAGE>   24

                  IN WITNESS WHEREOF, the parties hereto have duly executed this
Agreement by persons thereunto duly authorized as of the date first written
above.

                                    COMPANY:

                                    COMMUNITY BANK MARKETING, INC.

                                    By:  s/ Charles R. Daniel
                                         ------------------------------------
                                    Title:  President

                                    BUYER:

                                    AMERICAN INVESTORS SALES GROUP, INC.:

                                    By:  s/ Mark V. Heitz
                                         ------------------------------------
                                    Title:  President and CEO

                                    SELLER:

                                    COMMUNITY FINANCIAL SERVICES, INC.

                                    By:  s/ Kevin Tweedle
                                         ------------------------------------
                                    Title:  Secretary

                                       21

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