Document:

Freedom
      Financial Holdings, Inc

    

    January
      1, 2007

    

    GK
      Fields
      and Associates dba

    ACTION
      International

    918
      Perry
      Woods Cove

    Fort
      Wayne, In 46845

    

    RE:
      Addendum to consulting agreement dated November 7, 2006

    

    Dear
      Greg,

    

    This
      is
      to inform you that Freedom Financial Holdings, Inc has decided to lower our
      participation in the Business Consulting Program from Platinum $2,995 to Bronze
      $1,495 from this date forward.

    

    Sincerely,

     

    

    /s/

    
      
        

      

    

    Brian
      Kistler

    CEO

     

    I
      hereby
      acknowledge this change.

     

    
      

      /s/

      
        
          

        

      

    

    
      Gregory
      K. Fields- Owner

    

    6615
      Brotherhood Way, Suite A, Fort Wayne, IN 46825

    Phone:
      260-490-5363* Fax 260-490-5004CONSULTING
      AGREEMENT

     

    This
      Agreement is made effective as of
      June 13,
      2006, by and between Freedom Financial Mortgage Corporation, of 421 East Cook
      Rd., ste 200, Fort Wayne, IN 46825, and Medallion
      Consultants, LLC, of 7086 So. Highland Drive, Salt Lake City, UT
      84121.

     

    In
      this
      Agreement, the party who is contracting to receive services shall be referred
      to
      as "Company", and the party who will be providing the services shall be referred
      to as "Consultant".

     

    Consultant
      has a background in Mortgage Banking, Commercial Loan Brokering, Sub-Prime
      Lending, Hard-Money Lending, Distressed & Foreclosure Properties, Business
      Operations, Accounting, and Internal Company Re-Organization for Business
      Organization & Management and is willing to provide services based on this
      background.

     

    Company
      desires to have services provided by Consultant.

     

    Therefore,
      the parties agree as follows:

     

    1.
      DESCRIPTION OF SERVICES.
      Beginning on the date of this Agreement, Consultant will provide the following
      services (collectively, the "Services"):

     

    
      	
            	A)	
              Assist
                Company's owner(s) to established Company as a Mortgage Banker with
                a
                Warehouse Line-of-Credit

            

    

     

    
      	
            	·	
              Set-up
                internal banking functions, with Custom "Quality Control
                Program"

            

    

     

    
      
        	
              	·	
                Train
                  personnel to perform their "closing" & "funding"
                  duties

              

      

    

     

    
      
        	
              	·	
                Establish
                  Company's Secondary Market Investor
                  Relationships

              

      

    

     

    
      
        	
              	·	
                Secure
                  "Seller Contracts" for Company with these
                  investors

              

      

    

     

    
      	
            	B)	
              Assist
                Company to develop a "Sub-Prime" revenue
                center

            

    

     

    
      
        	
              	·	
                Develop
                  and establish internal "intake" process
                  system

              

      

    

     

    
      
        	
              	·	
                Develop
                  and establish internal "underwriting" process
                  system

              

      

    

     

    
      
        	
              	·	
                Develop
                  and establish internal "processing"
                  system

              

      

    

     

    
      
        	
              	·	
                Establish
                  Company's Secondary Market Investor relationships with several
                  Sub-Prime
                  Investors

              

      

    

     

    
      
        	
              	·	
                Secure
                  "Seller Contracts'' for Company with these
                  Investors

              

      

    

     

    
      
        	
              	·	
                Train
                  Company personnel to perform their
                  duties

              

      

    

     

    

    
      	
              CONSULTING
                AGREEMENT (MB)

            	
               Initials 
                

            	
              
                [SIGNATURE
                  TO COME]

              

            
	
              Copyright
                2002; Medallion Consultants, LLC

            	 	
               

            
	
              (Revised
                January 20, 2006)

            	 	 

    

     

     

    
      
        
        

      

      
        Page
          1 of
          7

        
          

        

      

      
        
        

      

    

     

    
      	
            	C)	
              Assist
                Company to develop a "Multi-Family Financing" revenue
                center

            

    

     

    
      
        	
              	·	
                Develop
                  and establish internal “intake” process
                  system

              

      

    

     

    
      
        	
              	·	
                Develop
                  and establish internal "underwriting" process
                  system

              

      

    

     

    
      
        	
              	·	
                Develop
                  and establish "processing” system, which may include outside contract
                  processors

              

      

    

     

    
      
        	
              	·	
                Establish
                  investor relationships with multi-family property
                  investors

              

      

    

     

    
      
        	
              	·	
                Secure
                  "Broker Agreements" for Company with these
                  investors

              

      

    

     

    
      
        	
              	·	
                Train
                  personnel to perform their
                  duties

              

      

    

     

    
      	
            	D)	
              Assist
                Company to develop their Customized Business / Employee Management
                Documentation

            

    

     

    
      
        	
              	·	
                Design
                  and Develop a Customized Company "Employee
                  Handbook"

              

      

    

     

    
      
        	
              	·	
                Written
                  Company Policies &
Procedures

              

      

    

     

    
      
        	
              	·	
                Including
                  "Sexual Harassment" & "Family Medical Leave
                  Act"

              

      

    

     

    
      
        	
              	·	
                Written
                  Annual / Semi-Annual "Employee
                  Evaluations"

              

      

    

     

    
      	
            	·	
              Management
                & Supervisors & Non-Supervisory
                Personnel

            

    

     

    
      
        	
              	·	
                Written
                  "Employee-Progressive-Discipline" Company
                  Policy

              

      

    

     

    2.
      PERFORMANCE
      OF SERVICES. The
      manner in which the Services are to be performed and the specific hours
      to be
      worked
      by Consultant shall be determined by Consultant. Company will rely on Consultant
      to work as many hours as may be reasonably necessary to fulfill Consultant's
      obligations under this Agreement.

     

    In
      addition to above Services, Consultant will assist Company in developing,
      preparing, and submitting applications, providing information, and performing
      any other act reasonably requested by any financial institution, body or agency
      required to complete this process. Furthermore, Consultant will also act on
      Company's behalf to communicate and coordinate, by any and all means, with
      any
      individual, at any company or institution said documents are submitted, in
      order
      to facilitate the approval process. During the term of this agreement, Company
      will pay Consultant, as outlined below, regardless of who actually submits
      paperwork.

     

    3. SERVICE
      FEE PAYMENTS. Company
      will pay a fee to Consultant for said Services in the amount(s) described
      herein. This fee shall be payable as follows: an initial payment of $5,000,
      paid
      as Consideration with this agreement, together with subsequent "BENCHMARK"
      payments as outlined below, which will only be paid upon completion of each
      specific Benchmark.

     

    
      	
            	·	
              $2,000 Establish
                Warehouse Line of Credit

            

    

     

    
      	
            	·	
              $1,500 Complete
                Seller's Contract with 3 conventional
                investors

            

    

     

    
      	
            	·	
              $1,500 1st
                loan completed with any conventional
                investor

            

    

     

    
      	
            	·	
              $1,500 Complete
                Seller's Contract with 3 Sub-Prime
                investors

            

    

     

    
      	
            	·	
              $1,500 1st
                loan completed with any Sub-Prime
                investor

            

    

     

    
      	
            	·	
              $1,500 Complete
                FHA Seller's Contract with 3 FHA
                investors

            

    

     

    
      	
            	·	
              $1,500 1st
                loan completed with any FHA
                investor

            

    

     

    

    
      	
              CONSULTING
                AGREEMENT (MB)

            	
              Initials
                 

            	
              
                [SIGNATURE
                  TO COME]

              

            
	
              Copyright
                2002; Medallion Consultants, LLC

            	 	 
	
              (Revised
                January 20, 2006)

            	 	 

    

     

    

    
      
        
        

      

      
        Page
          2 of
          7

        
          

        

      

      
        
        

      

    

     

    "SELLER'S
      CONTRACT" is defined as; Company's written agreement with Secondary Market
      Investors willing to purchase closed & funded loans from Company; similar to
      broker contracts with Wholesale Investors, outlining broker's relationship
      with
      Lenders to accept brokered loans.

     

    If
      any of the above "benchmarks" are not completed –

    Company
      will not be required to pay Consultant for that service.

     

    4.
      COMMISSION PAYMENTS.
      In
      addition to the fees outlined in the preceding paragraph, Company will also
      make
      commission payments to Consultant as outlined below, based upon individual
      loans
      closed / funded by Company.

     

    ·
      Conforming / Government Residential
      Loans $100.00
      each.

     

    For
      the
      purposes of this Agreement, for each conforming or government residential loan
      funded by the Company on its initial or subsequent warehouse
      line(s),

    $
      100.00
      shall be paid to Consultant - to a maximum of 300 loans.

     

    ·
      Sub-Prime Residential
      Loans $250.00
      each.

     

    For
      the
      purposes of this Agreement, for each Sub-Prime residential loan funded by the
      Company on its initial or subsequent warehouse line(s),

    $250.00
      shall be paid to Consultant - to a maximum of 200 loans

     

    ·
      Multi-Family Financing
      Loans $500.00
      each.

     

    For
      the
      purposes of this Agreement, for each Multi-Family housing loan closed by the
      Company, through any funding source,

    $
      500.00
      shall be paid to Consultant - to a maximum of 30 loans.

     

    Commissions
      will be paid-out directly following the funding of all loans closed at title
      or
      the receipt of revenue on any transaction, as outlined below.

     

    a. Payment
      Schedule. The
      commission payments shall be payable weekly, no later than two days after the
      end of each applicable week, during which any transactions were conducted.
      Consultant sends out invoices on a weekly basis.

     

    b.
      Accounting. Company
      shall maintain records in sufficient detail for purposes of determining the
      amount of Company's loan production. Company shall provide to Consultant a
      written accounting that sets forth the manner in which loan production was
      calculated. While this agreement is open, Company shall also provide Consultant
      with a weekly closing/funding report, showing which loans have been closed
      each
      week, faxed to Consultant’s office by Tuesday at 12:00 PM (MST) of each week.
      Based upon Company's weekly reporting, Consultant will Invoice Company
      weekly.

     

    c. Right
      to Inspect.
      Consultant, or Consultant's agent, shall have the right to inspect Company's
      records, including activity reports from Warehouse Line Facility and Document
      Preparation Company, for the limited purpose of verifying the number of
      transactions completed and the documentation for said loan transactions, subject
      to such restrictions as Company may reasonably impose to protect the
      confidentiality of the records. Such inspections shall be made during reasonable
      business hours, as may be set by Company, assuring that Consultant & Company
      complies with any applicable state disclosure laws.

     

    

    
      	
              CONSULTING
                AGREEMENT (MB)

            	
              Initials
 

            	
              
                [SIGNATURE
                  TO COME]

              

            
	
              Copyright
                2002; Medallion Consultants, LLC

            	 	 
	
              (Revised
                January 20, 2006)

            	 	 

    

     

     

    
      
        
        

      

      
        Page
          3 of
          7

        
          

        

      

      
        
        

      

    

     

    5.
      EXPENSE REIMBURSEMENT. Consultant
      shall be entitled to reimbursement from Company for the following
      "out-of-pocket" expenses: travel and/or transportation expenses, including
      lodging and meals, when required to travel outside the Salt Lake City
      metropolitan areas, printing, and any third-party consulting, professional
      or
      application fees.

     

    Company
      shall only be required to reimburse Consultant for expenses,

    which
      have been given specific written pre-approval by Company.

     

    6.
      SUPPORT SERVICES.
      If and
      when Consultant is working on-site, at Company's office(s), Company will provide
      the following support services for the benefit of Consultant: office/desk space,
      office supplies, support staff and/or secretarial support, as
      required.

     

    7.
      NEW PROJECT APPROVAL. Consultant
      and Company recognize that Consultant's Services will include working on various
      projects for Company. Consultant shall obtain the approval of Company prior
      to
      the commencement of a new project.

     

    8.
      TERM OF AGREEMENT. The
      term
      of this Agreement shall run for three years. However, this agreement will remain
      open beyond three years, if necessary, until all Commission Payments, as
      outlined in Paragraph 4 above, have been earned & paid to
      Consultant.

     

    9.
      BEST EFFORTS OF CONSULTANT. Consultant
      agrees to perform faithfully, industriously, and to the best of Consultant's
      ability, experience, and talents, all of the duties that may be required by
      the
      express and implicit terms of this Agreement, to the reasonable satisfaction
      of
      Company. Such duties shall be provided at such place(s) as the needs, business,
      or opportunities of Company may require from time to time.

     

    10.
      BEST EFFORTS OF COMPANY. Company
      agrees to perform faithfully, industriously, and to the best of Company's
      ability, experience, and talents, all of the duties that may be required by
      the
      express and implicit terms of this Agreement, to the reasonable satisfaction
      of
      Consultant. Such duties shall be provided at such place(s) as the needs,
      business, or opportunities of Consultant may require from time to
      time.

     

    11.
      RELATIONSHIP OF PARTIES. It
      is
      understood by the parties that Consultant is an independent contractor with
      respect to Company, and not an employee of Company. Company will not provide
      fringe benefits, including health insurance benefits, paid vacation, or any
      other employee benefit, for the benefit of Consultant.

     

    12.
      EMPLOYEES. Consultant's
      employees, if any, who perform services for Company under this Agreement, shall
      also be bound by the provisions of this Agreement.

     

    13.
      INJURIES. Consultant
      acknowledges Consultant's obligation to obtain appropriate insurance coverage
      for the benefit of Consultant (and Consultant's employees, if any).

     

    Consultant
      waives any rights to recovery from Company for any personal injuries that
      Consultant (and/or Consultant's employees) may sustain while performing services
      under this Agreement and that are a result of the negligence of Consultant
      or
      Consultant's employees.

     

    

    
      	
              CONSULTING
                AGREEMENT (MB)

            	
              Initials
                 

            	
              
                [SIGNATURE
                  TO COME]

              

            
	
              Copyright
                2002; Medallion Consultants, LLC

            	 	 
	
              (Revised
                January 20, 2006)

            	 	 

    

     

    

    
      
        
        

      

      
        Page
          4 of
          7

        
          

        

      

      
        
        

      

    

     

    14.
      INDEMNIFICATION. Consultant
      agrees to indemnify and hold harmless Company from all claims, losses, expenses,
      fees including attorney fees, costs, and judgments that may be asserted against
      Company that result from the acts or omissions of Consultant, Consultant's
      employees, if any, and Consultant's agents.

     

    15.
      CONFIDENTIALITY.
      Company
      recognizes that Consultant has and will have the following information,
      concerning Company's operation:

     

    
      	
              -
                products

            	
              -
                prices

            	
              -
                costs

            	
              -
                discounts 

            	
              -
                future plans

            
	 	 	 	 	 
	
              -
                business affairs

            	
              -
                process information

            	
              -trade
                secrets

            	 	 
	 	 	 	 	 
	
              -
                technical information

            	
              -
                customer lists

            	 	 	 

    

     

    and
      other
      proprietary information (collectively, "Information”) which are valuable,
      special and unique assets of Company and need to be protected from improper
      disclosure.

     

    In
      consideration for the disclosure of the Information, Consultant agrees that
      Consultant will not at any time or in any manner, either directly or indirectly,
      use any information for Consultant's own benefit, or divulge, disclose, or
      communicate in any manner any information to any third party without the prior
      written consent of Company.

     

    Consultant
      will protect the information and treat it as strictly confidential. A violation
      of this paragraph shall be a material violation of this Agreement. With respect
      to Consultant's proprietary information, Company agrees to gives Consultant
      similar confidentiality.

     

    16. UNAUTHORIZED
      DISCLOSURE OF INFORMATION. If
      it
      appears that Consultant has disclosed (or has threatened to disclose)
      information in violation of this Agreement, Company shall be entitled to an
      injunction to restrain Consultant from disclosing, in whole or in part, such
      information, or from providing any services to any party to whom such
      Information has been disclosed or may be disclosed. Company shall not be
      prohibited by this provision from pursuing other remedies, including a claim
      for
      losses and damages.

     

    17.
      CONFIDENTIALITY AFTER TERMINATION. The
      confidentiality provisions of this Agreement shall remain in full force and
      effect after the termination of this Agreement.

     

    The
      intent of this provision is to prevent Company from disclosing Consultant's
      proprietary information to any individual or other company, while allowing
      Company to continue with their mortgage banking operation & investor
      relationships following the termination of this agreement.

     

    18.
      COMPANY'S RIGHT TO COPY DOCUMENTS. All
      documentation sent to any third party by Consultant, on behalf of Company,
      pursuant to this agreement, will first be sent to Company for review, copying
      and signature(s). These documents will than be returned to Consultant for final
      review before being sent to said third parties.

     

    Furthermore,
      Company will be provided copies of any applications or other documents sent
      to
      any party on Company's behalf by Consultant, which are not first reviewed by
      Company.

     

    

    
      	
              CONSULTING
                AGREEMENT (MB)

            	
              Initials 

            	
              
                [SIGNATURE
                  TO COME]

              

            
	
              Copyright
                2002; Medallion Consultants, LLC

            	 	 
	
              (Revised
                January 20, 2006)

            	 	 

    

     

    

    
      
        
        

      

      
        Page
          5 of
          7

        
          

        

      

      
        
        

      

    

     

    19. NOTICES.
      All
      notices required or permitted under this Agreement shall be in writing and
      shall
      be deemed delivered when delivered in person or deposited in the United States
      mail, postage prepaid, addressed as follows:

    

    
      	
              IF
                for Company:

            	
              IF
                for Consultant:

            
	
              Freedom
                Financial Mortgage Corp.

            	
              Medallion
                Consultants, LLC.

            
	
              c/o
                Robin W. Hunt

            	
              c/o
                Randall Farr, Managing Director

            
	
              CFO/Vice
                - President

            	
              7086
                S. Highland Drive, Ste. 250

            
	
              421,
                E Cost Rd., Ste. 200

            	
              Salt
                Lake City, Utah 84121

            
	
              Fort
                Wayne, 14 46825

            	 

    

     

    Such
      address may be changed from time to time by either party, by providing written
      notice to the other in the manner set forth above.

     

    20. ENTIRE
      AGREEMENT. This
      Agreement contains the entire agreement of the parties and there are no other
      promises or conditions in any other agreement whether oral or written. This
      Agreement supersedes any prior written or oral agreements between
      parties.

     

    21. AMENDMENT.
      This
      Agreement may be modified or amended if the amendment is made in writing and
      is
      signed by both parties.

     

    22. SEVERABILITY.
      If any
      provision of this Agreement shall be held to be invalid or unenforceable for
      any
      reason, the remaining provisions shall continue to be valid and enforceable.
      If
      a court finds that any provision of this Agreement is invalid or unenforceable,
      but that by limiting such provision it would become valid and enforceable,
      then
      such provision shall be deemed to be written, construed, and enforced as so
      limited.

     

    23. WAIVER
      OF CONTRACTUAL RIGHT. The
      failure of either party to enforce any provision of this Agreement shall not
      be
      construed as a waiver or limitation of that party's right to subsequently
      enforce and compel strict compliance with every provision of this
      Agreement.

     

    24. COMPANY'S
      PERFORMANCE COMMITMENTS. In
      addition to Company's "Best Efforts" to perform, as outlined in Paragraph 10,
      Company commits to the following:

     

    A)
      Company will complete and return Initial "Consulting / Mortgage Warehouse Line
      Application" on or before June 20th
      2006.

     

    B)
      Company's principal contact person (Robin Hunt & Brian Kistler) commits to
      allocate a minimum of two (2) hours per week of uninterrupted time to work
      with
      Consultants in designing & developing Company's consulting
      program.

     

    
      	
              CONSULTING
                AGREEMENT (MB)

            	
              Initials 

            	
              
                [SIGNATURE
                  TO COME]

              

            
	
              Copyright
                2002; Medallion Consultants, LLC

            	 	 
	
              (Revised
                January 20, 2006)

            	 	 

    

     

    

    
      
        
        

      

      
        Page
          6 of
          7

        
          

        

      

      
        
        

      

    

     

    25.
      APPLICABLE LAW.
      The laws
      of the State of Utah shall govern this Agreement,

     

    Made
      this
      13th
      day of
      June 2006.

     

    Party
      receiving services:

     

    Freedom
      Financial Mortgage Corporation

     

    By:
      /s/
      Robin W. Hunt

    (Company's
      Authorized Signature)

    Robin
      W.
      Hunt

     

    Party
      providing services:

     

    Medallion
      Consultants, LLC.

     

    By:
      /s/
      Brent
      Watson

    (Brent
      Watson-Marketing Director)

     

    

    
      	
              CONSULTING
                AGREEMENT (MB)

            	
              Initials 
                

            	
              
                [SIGNATURE
                  TO COME]

              

            
	
              Copyright
                2002; Medallion Consultants, LLC

            	 	 
	
              (Revised
                January 20, 2006)

            	 	 

    

     

    
 

    
      
        
          
          

        

        
          Page
            7 of
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