Document:

Exhibit 10.5

THIS
OPTION AND THE SHARES OF STOCK UNDERLYING THIS OPTION HAVE NOT BEEN REGISTERED
UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”) OR ANY STATE SECURITIES
LAWS, AND MAY NOT BE SOLD, PLEDGED, HYPOTHECATED, OR OTHERWISE TRANSFERRED UNTIL
EITHER (i) A REGISTRATION STATEMENT UNDER THE SECURITIES ACT AND APPLICABLE
STATE SECURITIES LAWS SHALL HAVE BECOME EFFECTIVE WITH REGARD THERETO OR (ii)
THE COMPANY SHALL HAVE RECEIVED AN OPINION OF COUNSEL ACCEPTABLE TO THE COMPANY
AND ITS COUNSEL THAT REGISTRATION UNDER THE SECURITIES ACT OR THE STATE
SECURITIES LAWS IS NOT REQUIRED.  THE
OPTIONEE UNDERSTANDS THAT THE COMPANY IS UNDER NO OBLIGATION TO REGISTER,
QUALIFY, OR LIST THIS OPTION OR THE SHARES UNDERLYING THIS OPTION WITH THE
SECURITIES AND EXCHANGE COMMISSION, ANY STATE SECURITIES COMMISSION, OR ANY
STOCK EXCHANGE.

	
  NONQUALIFIED STOCK OPTION AGREEMENT

  FOR DIRECTORS

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  OPTIONEE’S NAME

  	
   

  	
   

  

 

Nuestra
Tarjeta de Servicios, Inc.,
a Georgia corporation (the “Company”), hereby grants to the optionee named
above (the “Optionee”) an option (this “Option”) to purchase the total number
of shares shown below of Common Stock of the Company (the “Shares”) at the
exercise price per share set forth below (the “Exercise Price”), subject to all
of the terms and conditions set forth in this Stock Option Agreement (“Agreement”).

	
  In Witness Whereof, this Agreement has
  been executed by the Company by a duly authorized officer effective as of the
  date of grant.

  	
   

  	
  The Optionee hereby
  acknowledges receipt of a copy of the terms and conditions forming a part of
  this Agreement, represents that he or she has read and understands the terms
  and conditions of this Agreement, and accepts this Option subject to all the
  terms and conditions of this Agreement. 
  The Optionee acknowledges that there may be adverse tax consequences
  upon exercise of this Option or disposition of the Shares and that he or she
  should consult a tax adviser prior to such exercise or disposition.

  	
   

  	
  Shares subject to
  issuance under this Option shall be eligible for exercise according to the
  following vesting schedule, subject to the terms and conditions set forth in
  this Agreement:

  
	
  Nuestra Tarjeta de Servicios,
  Inc.

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
   

  	
   

  	
  This
  Option is not an Incentive Stock Option.

  	
   

  	
   

  	
   

  
	
  Name: Drew W. Edwards

  	
   

  	
  No.
  of Shares Subject to Option:

  	
   

  	
   

  	
  Vesting
  Schedule

  
	
  Title: Chief Executive
  Officer 

  	
   

  	
  Exercise
  Price Per Share:

  	
   

  	
   

  	
  Date

  	
  No. of Shares

  
	
  Optionee

  	
   

  	
  Expiration
  Date:

  	
   

  	
   

  	
   

  	
   

  
	
  Signature:

  	
   

  	
   

  	
  Date
  of Grant:

  	
   

  	
   

  	
   

  	
   

  
	
  Optionee Name: 

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Address:

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
									

 

This is not a stock certificate or a
negotiable instrument

 

 

NONQUALIFIED
STOCK OPTION AGREEMENT

ADDITIONAL TERMS AND CONDITIONS

1.             Definitions. 
As used in this Agreement, the
following terms have the following meanings unless the context clearly
indicates to the contrary:

“Board” means the Board
of Directors of the Company.

“Code” means the United States Internal
Revenue Code of 1986, including effective date and transition rules (whether or
not codified).  Any reference herein to a
specific section of the Code shall be deemed to include a reference to any
corresponding provision of future law.

“Committee” means a committee of at least two
Directors appointed from time to time by the Board, having the duties and
authority set forth herein in addition to any other authority granted by the
Board; provided, however, that with respect to any Options or Awards granted to
an individual who is also a Section 16 Insider, the Committee shall consist of
either the entire Board of Directors or a committee of at least two Directors
(who need not be members of the Committee with respect to Options or Awards
granted to any other individuals) who are Non-Employee Directors, and all
authority and discretion shall be exercised by such Non-Employee Directors, and
references herein to the “Committee” means such Non-Employee Directors insofar
as any actions or determinations of the Committee shall relate to or affect
Options or Awards made to or held by any Section 16 Insider. In selecting the
Committee, the Board shall also consider the benefits under Section 162(m) of
the Code of having a Committee composed of “outside directors” (as that term is
defined in the Code) for certain grants of Options to highly compensated
executives.  At any time that the Board
shall not have appointed a committee as described above, any reference herein to
the Committee means a reference to the Board.

“Corporate Transaction” means any of the
following transactions to which the Company is a party:

(a)           a merger, consolidation, share
exchange, combination or other transaction or series of transactions (other
than a public offering by the Company for cash of the Company’s capital stock,
debt or other securities) in which securities possessing more than 50% of the
total combined voting power of the Company’s outstanding securities are
transferred to a person or persons different from the persons holding those
securities immediately prior to such transaction;

(b)           the sale, transfer
or other disposition of all or substantially all of the Company’s assets;

(c)           the  liquidation or dissolution of the Company; or

(d)           A change in the
composition of the Board as a result of which fewer than one-half of the
incumbent directors are directors who either:

 1
 

(i)            Had
been directors of the Company 24 months prior to such change; or

(ii)           Were
elected, or nominated for election, to the Board with the affirmative votes of
at least a majority of the directors who had been directors of the Company 24
months prior to such change and who were still in office at the time of the
election or nomination.

“Director” means a member of the Board and any
person who is an advisory or honorary director of the Company if such person is
considered a director for the purposes of Section 16 of the Exchange Act, as
determined by reference to such Section 16 and to the rules, regulations,
judicial decisions, and interpretative or “no-action” positions with respect
thereto of the SEC, as the same may be in effect or set forth from time to
time.

“Exchange Act” means the Securities Exchange Act
of 1934.  Any reference herein to a
specific section of the Exchange Act shall be deemed to include a reference to
any corresponding provision of future law.

“Fair Market Value” on any date means (i) the
closing sales price of the Stock on such date on the national securities
exchange having the greatest volume of trading in the Stock during the thirty-day
period preceding the day the value is to be determined or, if such exchange was
not open for trading on such date, the next preceding date on which it was
open; (ii) if the Stock is not traded on any national securities exchange, the
average of the closing high bid and low asked prices of the Stock on the over-the-counter
market on the day such value is to be determined, or in the absence of closing
bids on such day, the closing bids on the next preceding day on which there
were bids; or (iii) if the Stock also is not traded on the over-the-counter
market, the fair market value as determined in good faith by the Board or the
Committee based on such relevant facts as may be available to the Board, which
may include opinions of independent experts, the price at which recent sales
have been made, the book value of the Stock, and the Company’s current and
anticipated future earnings.

“Non-Employee Director” shall have the meaning
set forth in Rule 16b-3 under the Exchange Act, as the same may be in effect
from time to time, or in any successor rule thereto, and shall be determined
for all purposes under this Agreement according to interpretative or “no-action”
positions with respect thereto issued by the SEC.

“Purchasable” refers to Stock which may be
purchased by the Optionee under the terms of this Agreement on or after a
certain date specified in the Agreement.

“Qualified Domestic Relations Order” has the
meaning set forth in the Code or in the Employee Retirement Income Security Act
of 1974, or the rules and regulations promulgated under the Code or such Act.

“Retirement” shall mean the retirement of the
Optionee at the normal retirement date as prescribed from time to time by the
Company or any Subsidiary.

“Stock” means the Common Stock, par value
$0.01 per share, of the Company or, in the event that the outstanding shares of
Stock are hereafter changed into or exchanged for shares of a different stock
or securities of the Company or some other entity, such other stock or securities.

“Subsidiary” means any corporation (other
than the Company) in an unbroken chain of corporations beginning with the
Company if, at the time of the grant (or modification) of the Option, each of
the corporations other than the last corporation in the unbroken chain owns
stock possessing fifty 

 2
 

percent (50%) or more of the total combined voting power of all classes
of stock in one of the other corporations in such chain.

2.             Administration.

(a)           Duties and Powers of the Committee.  This Agreement shall be administered by the
Committee.  The Committee shall select
one of its members as its Chairman and shall hold its meetings at such times
and places as it may determine.  The
Committee shall keep minutes of its meetings and shall make such rules and regulations
for the conduct of its business as it may deem necessary.  The Committee shall have the power to act by
unanimous written consent in lieu of a meeting, and to meet telephonically.  In administering this Agreement, the
Committee’s actions and determinations shall be binding on all interested
parties.  The Committee shall have the
authority to amend or modify this Agreement, or to waive any provision thereof,
provided that the Optionee consents to such action.

(b)           Interpretation; Rules.  Subject to the express provisions of this
Agreement, the Committee also shall have complete authority to interpret this
Agreement, to prescribe, amend, and rescind rules and regulations relating to
it, and to make all other determinations necessary or advisable for the
administration of this Agreement, including, without limitation, the amending
or altering of this Agreement as may be required to comply with or to conform
to any federal, state, or local laws or regulations.

(c)           No Liability. 
Neither any member of the Board nor any member of the Committee shall be
liable to Optionee or any other person for any act or determination made in
good faith with respect to this Agreement.

3.             Exercise Terms. 
The Optionee must exercise the Option for at least the lesser of 100
shares or the number of shares of Purchasable Stock as to which the Option
remains unexercised.  If this Option is
not exercised with respect to all or any part of the shares subject to this
Option prior to its expiration, the shares with respect to which this Option
was not exercised shall no longer be subject to this Option.

4.             Director Attendance Requirement. This Option, if
granted in 2004 or later, will be forfeited and shall not thereafter be or
become exercisable if the Optionee Director does not attend 3 out of the 4
regularly scheduled Board meetings in the year of grant.

5.             Restrictions on Transferability.  No Option shall be transferable by an
Optionee other than by will or the laws of descent and distribution or pursuant
to a Qualified Domestic Relations Order.  
During the lifetime of an Optionee, Options shall be exercisable only by
such Optionee (or by such Optionee’s guardian or legal representative, should
one be appointed).

6.             Notice of Exercise.  This Option may be exercised by the Optionee,
by a written notice signed by the Optionee and delivered or mailed to the
Company as specified in this Agreement to the attention of the President or
such other officer as the Company may designate.  Any such notice shall (a) specify the number
of shares of Stock which the Optionee then elects to purchase hereunder, (b)
contain such information as may be reasonably required by the Company pursuant
to this Agreement, and (c) be accompanied by (i) a certified or cashier’s check
payable to the Company in payment of the total Exercise Price applicable to
such shares as provided herein, (ii) shares of stock owned by the Optionee and
duly endorsed or accompanied by stock transfer powers having a Fair Market
Value equal to the total Exercise Price applicable to such shares purchased
hereunder, or (iii) a certified or cashier’s check accompanied by the number of
shares of stock where Fair Market Value when added to the amount of the check
equal the total Exercise Price applicable to such shares purchased hereunder.  In
addition to and at the time of 

 3
 

payment of the Exercise Price,
the Optionee shall pay to the Company the full amount of any federal, state,
and local income, employment, or other withholding taxes applicable to the
taxable income of such Optionee resulting from such exercise. Upon receipt of any such notice and
accompanying payment, and subject to the terms hereof, the Company agrees to
issue to the Optionee stock certificates for the number of shares specified in
such notice registered in the name of the person exercising this Option.  In the event of the Optionee’s death or
Disability, the Option may be exercised as described above by, and the Option
shall be granted in the name of, the Optionee’s administrators, executors or
personal representatives.

7.             Forfeiture.

(a)           If, at any time within the later of (i) one year after
termination of the Optionee’s employment or (ii) one year after the Optionee’s
exercise of any portion of this Option, the Optionee engages in any of the
Forfeiture Activities described below, then (1) this Option shall terminate
effective the date on which the Optionee enters into such activity, unless
terminating sooner by operation of another term or condition of this Agreement,
and (2) any Option Gain realized by the Optionee from exercising all or a
portion of this Option shall be paid by the Optionee to the Company.  “Forfeiture Activity” shall include the
marketing of bank services targeted to the unbanked Latino market for a
competitor of the Company, or any of its subsidiaries, within the State of
Georgia, where the Optionee works.  “Option
Gain” shall mean the gain represented by the mean market price on the date of
exercise over the Exercise Price, multiplied by the number of shares purchased
through exercise of the Option, without regard to any subsequent market price
decrease or increase. The forfeiture provisions described in this Section shall
apply even if the Company does not elect otherwise to enforce the employment
agreement or take other action against the Optionee, but shall not apply if
termination of the Optionee’s employment with the Company occurs in connection
with or following a Corporate Transaction involving the Company.

(b)           By accepting this Agreement, the Optionee consents to a
deduction from any amounts the Company owes the Optionee from time to time
(including amounts owed as wages or other compensation, fringe benefits, or
vacation pay), to the extent of the amounts the Optionee owes the Company under
this Section.  Whether or not the Company
elects to make any set-off in whole or in part, if the Company does not recover
by means of set-off the full amount owed by the Optionee to the Company,
calculated as set forth above, the Optionee shall pay immediately the unpaid
balance to the Company.  The Optionee
hereby appoints the Company as its attorney-in-fact to execute any documents or
do any acts necessary to exercise its rights under this Section.

(c)           The Optionee may be released from its obligations under
this Section only if the Board or the Committee determines in its sole
discretion that such action is in the best interests of the Company.

8.             Vesting and Exercise of Shares.

(a)           Vesting. This Option shall vest and become
exercisable upon the first to occur of the following, if the Option has not
been terminated prior to such date pursuant to the terms of this Agreement:

(i)            in
accordance with the vesting schedule set forth on the front of this Agreement;

(ii)           upon
a Corporate Transaction involving the Company; or

(iii)          upon
a resignation of the Optionee at the request of the Company or the Chairman of
the Board.

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(b)           Exercise. After vesting, the Option may be
exercised with respect to the vested shares at any time until the Expiration
Date if the Option has not been terminated prior to such date pursuant to the
terms of this Agreement.

9.             Compliance with Regulatory Matters.  The Optionee acknowledges that the issuance
of capital stock of the Company is subject to limitations imposed by federal
and state law and the Optionee hereby agrees that the Company shall not be
obligated to issue any shares of Stock upon exercise of this Option that would
cause the Company to violate any law or any rule, regulation, order or consent
decree of any regulatory authority (including without limitation the Securities
and Exchange Commission) having jurisdiction over the affairs of the
Company.  The Optionee agrees that he or
she will provide the Company with such information as is reasonably requested
by the Company or its counsel to determine whether the issuance of stock complies
with the provisions described by this Section.

10.           Antidilution.

(a)           If (i) the outstanding shares of Stock are changed into or
exchanged for a different number or kind of shares or other securities of the
Company by reason of merger, consolidation, reorganization, recapitalization,
reclassification, combination or exchange of shares, or stock split or stock
dividend, or (ii) any spin off, spin out or other distribution of assets
materially affects the price of the Company’s stock, then the rights of
Optionee (concerning the number of shares subject to Options and the Exercise
Price) under this Agreement shall be adjusted proportionately by the Committee.

(b)           If the Company shall be a party to any reorganization in
which it does not survive, involving merger, consolidation, or acquisition of
the stock or substantially all the assets of the Company, the Committee, in its
discretion, may:

(i)            declare
that all Options granted under this Agreement shall become exercisable
immediately notwithstanding the provisions of this Agreement regarding
exercisability, and that all such Options shall terminate 30 days after the
Committee gives written notice of the immediate right to exercise all such
Options and of the decision to terminate all Options not exercised within such
30-day period; and/or

(ii)           notify
Optionee that all Options granted under this Agreement shall be assumed by the
successor corporation or substituted on an equitable basis with options issued
by such successor corporation.

(c)           If the Company is to be liquidated or dissolved in
connection with a reorganization described in Section 10(b), the provisions of
such Section 10(b) shall apply.  In all
other instances, the adoption of a plan of dissolution or liquidation of the
Company shall, notwithstanding other provisions hereof, cause all Options
outstanding under this Agreement to terminate to the extent not exercised prior
to the adoption of the plan of dissolution or liquidation by the shareholders,
provided that, notwithstanding other provisions hereof, the Committee may
declare all Options granted under this Agreement to be exercisable at any time
on or before the fifth (5th) business day
following such adoption notwithstanding the provisions of this Agreement
regarding exercisability.

(d)           The
adjustments described in paragraphs (a) through (c) of this Section 10, and the
manner of their application, shall be determined solely by the Committee, and
any such adjustment may provide for the elimination of fractional share
interests.  The adjustments required
under this Section 9 shall apply to any successors of the Company and shall be
made regardless of the number or type of successive events requiring such
adjustments.

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11.           Miscellaneous.

(a)           This agreement shall be binding upon the parties hereto and
their representatives, successors and assigns.

(b)           This Agreement is executed and delivered in, and shall be
governed by the laws of, the State of Georgia.

(c)           Any requests or notices to be given hereunder shall be
deemed given, and any elections or exercises to be made or accomplished shall
be deemed made or accomplished, upon actual delivery thereof to the designated
recipient, or three days after deposit thereof in the United States mail,
registered, return receipt requested and postage prepaid, addressed, if to the
Optionee, at the address set forth on the reverse side of this Stock Option
Certificate and, if to the Company, to the address of its then current
executive offices.

(d)           This Agreement may not be modified except in writing
executed by each of the parties hereto.

(e)           The Optionee shall not
have any of the rights of a shareholder with respect to the shares of Stock
subject to the Option until such shares have been issued and transferred to the
Optionee upon the exercise of the Option.

(f)            This Option does not confer upon the Optionee any right
with respect to continuance of employment by the Company or by any of its
Subsidiaries.  This Option shall not be
affected by any change of employment so long as the Optionee continues to be an
employee of the Company or one of its Subsidiaries.

(g)           If any provision of this Agreement should be held to be
invalid, illegal or unenforceable, then such provision shall be construed in
such a way as to make such provision enforceable, or this Agreement shall be construed
as if such provision had never been contained herein, and such invalidity,
illegality or unenforceability shall not affect any other provision hereof.

 

 6Exhibit 10.14

	
  

  	
   

  
	
  P.O. Box 788

  
	
  71 N. Broad Street

  
	
  Winder, GA 30680

  
	
  770.867.9111

  
	
  Fax: 770.867.9117

  

 

January 29, 2007

 

Mr. Drew Edwards

Chief Executive Officer

Banuestra Financial Corporation

623 Holcomb Bridge Road

Roswell, GA 30076

 

Dear Mr. Edwards:

 

The Peoples Bank of Winder, Georgia (hereinafter the “Bank”) is pleased
to offer this Loan Agreement for the
financing that you requested. The loan is subject to the following terms and
conditions.

 

	
  Borrower:

  	
  Banuestra Financial Corporation.

  
	
   

  	
   

  
	
  Guarantors:

  	
  This loan shall be
  guaranteed to 125% of the amount financed on a cumulative basis via the
  personal guarantees from the following individuals:

  
	
   

  	
  1. Drew Edwards

  	
  $500,000

  
	
   

  	
  2. John Collins

  	
  $1,000,000

  
	
   

  	
  3. Bailey Robinson

  	
  $1,000,000

  
	
   

  	
  4. Luz Urrutia

  	
  $250,000

  
	
   

  	
  5. Richard Cambers

  	
  $500,000

  
	
   

  	
   

  
	
  Bank:

  	
  The Peoples Bank of Winder, Georgia

  
	
   

  	
   

  
	
  Loan Amount:

  	
  $2,750,000

  
	
   

  	
   

  
	
  Interest Rate:

  	
  Wall Street Journal Prime + 1%

  
	
   

  	
   

  
	
  Origination Fee:

  	
  One percent of the loan amount.

  
	
   

  	
   

  
	
  Loan Terms:

  	
  Six months with a six
  month extension available, the terms of which shall be separate from this
  agreement and negotiated at the time of the extension. The extension will be
  subject to underwriting, due diligence, and approval from the Bank at the
  time it is requested. The request for this extension must be made to Bank in
  writing within thirty (30) days of the maturity date of this loan. This note
  will be a revolving line of credit with interest payments due quarterly.

  
	
   

  	
   

  
	
  Prepayment

  	
   

  
	
  Penalty:

  	
  The loan may be prepaid in part or in full at any
  time without penalty.

  
	
   

  	
   

  
	
  Costs:

  	
  All costs incurred in
  preparation of and in closing the loan will be paid by the Borrower(s) to
  include, but not limited to the following: appraisal fee, legal fees to
  include legal fees incurred by Bank, title insurance premium, filing fees, survey
  fees and any other costs necessary to close loan.

  

 

www.tpbonline.com

 

	
  Collateral:

  	
   

  	
  First priority security
  interest evidenced by executed UCC-1 in all cash, cash accounts, and checks
  in clearing of Banuestra Financial Corporation.

  
	
   

  	
   

  	
   

  
	
  Hazard Insurance:

  	
   

  	
  At the time the loan
  closes and at all times thereafter until the loan is paid in full,
  Borrower(s) must maintain hazard insurance on the collateral against such
  risks and in such form and amount as the Bank may require. The Bank must be
  named as loss payee on the policy within 30 days and the Borrower(s) must
  provide us with an insurance certificate. A company approved by Bank and
  licensed to transact business in the state of Georgia must issue the
  insurance.

  
	
   

  	
   

  	
   

  
	
  Financial

  Information:

  	
   

  	
  Until the loan is
  repaid in full, the Borrower(s) will be obligated on a continuing basis to
  provide the Bank with such financial information concerning the Borrower as
  the Bank may request from time to time. This information will include, but
  not be limited to the following:

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  1. 

  	
  Borrower(s) will
  furnish to the Bank, within 45 days after the close of each quarterly
  accounting period of the Business, a Compiled Income Statement for the period
  and a Compiled Balance sheet as of the last day of the period.

  
	
   

  	
   

  	
  2. 

  	
  Within 90 days
  following the year-end of the Business, the Borrower(s) shall furnish full
  financial statements Reviewed or Audited by an accounting firm acceptable to
  the Bank. 10K statements are acceptable.

  
	
   

  	
   

  	
  3. 

  	
  Borrower(s) will
  provide Bank with copies of personal and corporate tax returns within 30 days
  after submitting said returns to the appropriate taxing authorities.

  
	
   

  	
   

  	
  4. 

  	
  Guarantor(s) shall
  maintain current (within one year or less) personal financial statements on
  file with Bank at all times.

  
	
   

  	
   

  	
  5. 

  	
  Borrower(s) shall
  inform Bank of any material change in financial condition of the Borrower(s)
  and of any actual or threatened litigation which might substantially affect
  the Borrower’s financial condition.

  
	
   

  	
   

  	
  6. 

  	
  Borrower(s) shall
  submit copies of partnership agreements or corporate resolutions (whichever
  is applicable to each location) indicating what entity shall be required to
  repay loan as well as provide ongoing financial reporting.

  
	
   

  	
   

  	
  7. 

  	
  Failure of any one
  location, or one particular party/partner/owner to properly submit timely
  financial information as required above immediately causes the entire loan to
  be accelerated, due and entirely payable.

  
	
   

  	
   

  	
  8. 

  	
  Filing of financial
  statements with the SEC for availability to the general public shall
  constitute a filing of the same information with Bank. In the event that the
  deadline for these filings with the SEC differs from the Bank deadline for
  filing financials with the Bank, the SEC deadline shall override.

  
	
   

  	
   

  	
   

  
	
  Confidentiality:

  	
   

  	
  The terms of this Loan
  Agreement are confidential. Borrower(s) agrees not to disclose the contents
  of this letter to any other Bank.

  
	
   

  	
   

  	
   

  
	
  Indemnity:

  	
   

  	
  Borrower(s) will
  indemnify the Bank and its officers, directors, employees, affiliates and
  agents and hold them harmless from and against all costs, expenses, and
  liabilities of any such indemnified persons arising out of or relating to any
  claim or any litigation or other proceedings that relate to the financing
  contemplated herein or any transaction connected therewith.

  
	
   

  	
   

  	
   

  
	
  Survival:

  	
   

  	
  This Loan Agreement
  will survive the loan closing. Any modifications agreed upon between
  Borrower(s) and Bank must be made in writing.

  

 

 

	
  Other:

  	
   

  	
  1. 

  	
  Borrower shall notify Bank of any intent to change
  ownership by more than 10% or any 

  
	
   

  	
   

  	
  other significant restructuring including
  acquisitions or mergers.

  
	
   

  	
   

  	
  2. 

  	
  Borrower agrees to maintain its primary deposit
  accounts with Bank.

  
	
   

  	
   

  	
  3. 

  	
  Bank will require semi-annual field examinations
  performed by a third party at borrower expense with the first one being prior
  to loan closing.

  
	
   

  	
   

  	
   

  
	
  The Peoples Bank is
  delighted to provide you a Loan Agreement
  for the financing you have requested. We look forward to a long and mutually
  beneficial association. Please call me if you have any questions, or if I can
  be of any additional service.

  

 

SIGNATURES ON THE FOLLOWING PAGE

Sincerely,

The Peoples Bank

Winder, Georgia

William P. Rutledge

First Vice-President

Accepted this 1 day of February, 2007.

 

	
  

  	
  /s/ Drew Edwards -CEO

  	
   

  	
   

  	
  /s/ John Collins

  	
   

  
	
  Banuestra Financial
  Corporation

  	
   

  	
  John Collins, Guarantor

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  /s/ Bailey P. Robinson, III

  	
   

  
	
   

  	
   

  	
  Bailey P. Robinson, III, Guarantor

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  /s/ Drew Edwards

  	
   

  
	
   

  	
   

  	
  Drew Edwards, Guarantor

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  /s/ Luz Urrutia

  	
   

  
	
   

  	
   

  	
  Luz Urrutia, Guarantor

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  /s/ Richard Chambers

  	
   

  
	
   

  	
   

  	
  Richard Chambers, Guarantor

  	
   

  
							

 

	
  /s/ Jose Gonzalez

  	
   

  
	
  Jose Gonzalez

  	
   

  
	
  Notary public

  	
   

  
	
  Gwinnett county, Georgia

  	
   

  
	
  My Commission expires August 13, 2007

  	
   

  

 

 

	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  THE PEOPLES BANK

  	
   

  	
  BANUESTRA FINANCIAL
  CORPORATION

  	
   

  	
  Loan Number

  	
   

  	
   

  
	
  P O DRAWER 788

  	
   

  	
   

  	
   

  	
  Date

  	
  2/01/07

  	
   

  
	
  WINDER, GA. 30680

  	
   

  	
  623 HOLCOMB BRIDGE RD

  	
   

  	
  Mat. Date

  	
  8/02/07

  	
   

  
	
   

  	
   

  	
  ROSWELL GA

  	
  30076 0000

  	
   

  	
  Loan Amount

  	
  $2,777,520.00

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  LENDER’S
  NAME AND ADDRESS

  	
   

  	
  BORROWER’S
  NAME AND ADDRESS

  	
   

  	
   

  
												

 

TRUTH-IN-LENDING
DISCLOSURES

 

	
  ANNUAL

  	
   

  	
  FINANCE
  CHARGE

  	
   

  	
  AMOUNT
  FINANCED

  	
   

  	
  TOTAL OF
  PAYMENTS

  	
   

  	
  I have the right
  to receive at this

  
	
  PERCENTAGE
  RATE

  	
   

  	
  The dollar amount
  the

  	
   

  	
  The amount of
  credit

  	
   

  	
  The amount I will
  have paid

  	
   

  	
  time an
  Itemization of the

  
	
  The cost of my
  credit as

  	
   

  	
  credit will cost
  me.

  	
   

  	
  provided to me or
  on

  	
   

  	
  when I have made
  all

  	
   

  	
  Amount Financed

  
	
  a yearly rate.

  	
   

  	
   

  	
   

  	
  my behalf.

  	
   

  	
  scheduled
  payments.

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  I     X     do          do
  not

  
	
  13.526%

  	
   

  	
  $157,387.64

  	
   

  	
  $2,750,020.00

  	
   

  	
  $2,907,407.64

  	
   

  	
  want an
  itemization.

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
    My
  Payment Schedule will be:

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
    Number of Payments

  	
   

  	
  Amount of Payments

  	
   

  	
  When Payments Are Due

  
	
  1

  	
   

  	
  $

  	
   

  	
  Quarterly
  beginning 5/02/07

  
	
  1

  	
   

  	
  $2,842,463.82

  	
   

  	
  Due
  8/02/07

  
	
   

  	
   

  	
  $

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
   

  	
  Interest
  Varying from 64230.15 to 65657.49

  
	
   

  	
   

  	
  $

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
   

  	
   

  
	
   

  	
   

  	
  $

  	
   

  	
   

  
	
   

  
	
    x  Demand:
  x  This loan has a demand feature. o
  This loan is payable on demand and all disclosures are based on an

  assumed maturity of one year.

  
	
    x  Variable
  Rate

  [Check one]

  	
  

  	
  o
  My loan contains a variable rate feature. Disclosures about the variable rate
  feature have been provided to me earlier.

  
	
   

  	
  x
  The annual percentage rate may increase during the term of this transaction
  if 

  	
   

  
	
  PRIME
  AS PUBLISHED IN THE WALL STREET JOURNAL

  
	
  increases

  
	
   

  
	
   

  	
  . The rate may not
  increase more often than once a quarter  
     and may 

  
	
  not increase more
  than       3.000
  % each    quarter     . Any increase will take the form of
  an increase in the amount of each scheduled payment. If the rate increase
  by    2.000 % in  one quarter      ,
  the    payment amount       will increase to         79,835.21    . The rate will not go
  above    18.000%.

  
	
   

  
	
    x
  Security: I am giving a security interest in:

  	
  x
  (brief description of other property)   
  Filing/Recording Fees: $      20.00   

  
	
    o  the goods or property being purchased.

  	
  ALL CASH, CASH ACCTS, & CHECKS

  
	
    x collateral securing other loans with
  you may also secure this loan.

  	
  IN CLEARING; GTYS

  
	
    x my deposit accounts and other rights I
  may have to the payment of money from you.

  
	
    x
  Late Charge: If a payment is late I will be charged

  	
    $ 25.00

  	
  .

  
	
    o
   Required Deposit: The annual percentage rate does not take into account
  my required deposit.

  
	
    Prepayment:
  If I pay off this loan early, I

  	
  o
  may     x
  will not    have to pay a penalty.

  
	
   

  	
  o
  may     x
  will not    be entitled to a refund of part of the
  finance charge.

  
	
    x
  Assumption:    Someone buying my house the original terms.

  	
  o
  may, subject to conditions, be allowed to

  	
  x   cannot assume the remainder of the mortgage
  on

  
	
   

  
	
  I can see my contract documents for any additional
  information about nonpayment, default,

  
	
  any required repayment in full before the scheduled
  date, and prepayment refunds and penalties.

  	
  “0” means an estimate.

  
	
   

  
																							

 

 

 

	
  

  	
   

  	
   

  	
  (page 1
  of 2) 

  

 

 

	
  Credit Insurance -
  Credit life Insurance and credit 

  	
   

  	
  ITEMIZATION
  OF AMOUNT FINANCED

  
	
  disability insurance are not required to obtain
  credit, and 

  	
   

  	
   

  	
   

  	
   

  
	
  will not be provided unless I sign and agree to pay
  the 

  	
   

  	
   

  	
   

  	
   

  
	
  additional costs.

  	
   

  	
  Amount given to me
  directly

  	
  $

  	
  2,750,000.00

  
	
   

  	
   

  	
  Amount paid on my
  (loan) account

  	
  $

  	
   

  
	
  Type                                          Premium             Term

  	
   

  	
  Processing Fee

  	
  $

  	
  27,500.00

  
	
  Credit Life

  	
   

  	
  AMOUNTS
  PAID TO OTHERS ON MY BEHALF:*

  	
   

  	
   

  
	
  Credit Disability

  	
   

  	
  Insurance Companies

  	
  $

  	
   

  
	
  Joint Credit Life

  	
   

  	
  Public Officials

  	
  $

  	
  20.00

  
	
   

  	
   

  	
   

  	
  $

  	
   

  
	
  I o do x
  do not  want credit life insurance.

  	
   

  	
   

  	
  $

  	
   

  
	
  X

  	
  DOB

  	
   

  	
   

  	
  $

  	
   

  
	
  I o do x
  do not  want credit disability
  insurance.

  	
   

  	
   

  	
  $

  	
   

  
	
  X.

  	
  DOB

  	
   

  	
   

  	
  $

  	
   

  
	
  I o do x
  do not  want joint credit life
  insurance.

  	
   

  	
  Inspection Fee

  	
  $

  	
   

  
	
   

  	
   

  	
   

  	
  $

  	
   

  
	
  X

  	
  DOB

  	
   

  	
   

  	
  $

  	
   

  
	
   

  	
   

  	
   

  	
  $

  	
   

  
	
  X

  	
  DOB

  	
   

  	
   

  	
  $

  	
   

  
	
  I o
  do x do not want                                         
  insurance.

  	
   

  	
   

  	
  $

  	
   

  
	
  X

  	
   

  	
   

  	
  $

  	
   

  
	
  PROPERTY INSURANCE - I may
  obtain property Insurance from anyone I want that is acceptable to you. If I 

  	
   

  	
  (less) Prepaid Finance
  Charge(s)

  	
  $

  	
  27,500.00

  
	
  got the Insurance from or through from or through
  you

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  I will pay $                        for                            of
  coverage.

  	
   

  	
   

  	
   

  	
   

  
	
  FLOOD INSURANCE - Flood
  insurance o is o
  is not 

  	
   

  	
  Amount Financed

  	
  $

  	
  2,750,020.00

  
	
  required. I may obtain flood insurance from anyone I
  want 

  	
   

  	
   

  	
   

  	
   

  
	
  that is acceptable to you. If I got the insurance
  from or 

  	
   

  	
   

  	
   

  	
   

  
	
  through you I will pay

  	
   

  	
  (Add all items financed
  and subtract prepaid finance charges.)

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  $                                 
  for                                   of
  coverage.

  	
   

  	
  *You may retain
  or receive a portion of these amounts.

  
	
   

  	
   

  	
   

  	
   

  	
   

  

By
Signing below - i acknowledge receipt of a copy of this Disclosure on the Date
indicated above.

	
  X

  	
  CEO

  	
  X

  	
   

  	
  X

  	
   

  
	
   

  	
  BANUESTRA
  FINANCIAL CORPORATION

  	
   

  	
   

  	
   

  	
   

  

 

 

 

	
  Jose Gonzalez

  	
   

  
	
  Notary public

  	
   

  
	
  Gwinnett country, Georgia

  	
   

  
	
  My Commission expires August 13, 2007

  	
   

  

 

 

 

	
  

  	
   

  	
  (page 2 of 2)

  

 

	
   BANUESTRA FINANCIAL
  CORPORATION

  	
   

  	
   

  
	
   

  	
   

  	
   Loan Number

  	
   

  
	
   

  	
  THE PEOPLES BANK

  	
   Date

  	
  2/01/07 

  
	
   623 HOLCOMB BRIDGE RD

  	
  P O DRAWER 788

  	
   Maturity Date

  	
  8/02/07 

  
	
   

  	
  WINDER, GA.
  30680

  	
   Loan Amount $

  	
  2,777,520.00 

  
	
   ROSWELL GA

  	
  30076 0000

  	
   

  	
   Renewal Of

  	
   

  
	
  BORROWER’S
  NAME AND ADDRESS

  	
  LENDER’S
  NAME AND ADDRESS

  	
   

  
	
  “I” includes each borrower above, jointly and
  severally.

  	
   “You” means the lender, its successors and
  assigns.

  	
   

  
								

                                                

For
value received, I promise to pay to you, or your order, at your address listed
above the PRINCIPAL sum of    TWO MILLION SEVEN HUNDRED
SEVENTY SEVEN THOUSAND FIVE HUNDRED TWENTY    Dollars $    2,777,520.00                         

o Single Advance: I will receive all of this principal sum on __________________.
No additional advances are contemplated under this note.

x Multiple Advance: The principal sum shown above is the
maximum amount of principal I can borrow under this note. On       2/01/07      
I will receive the amount of $ __________________ and future principal advances
are contemplated.

Conditions:
The conditions for future advances are                          UPON
CUSTOMER REQUEST                         

_________________________________________________________________________________________________________

_________________________________________________________________________________________________________

x Open End Credit: You and I agree that I may borrow up to the
maximum principal sum more than one time. This feature is subject r to all
other conditions and expires on          8/02/07         .

o Closed End Credit:
You and I agree that I may borrow (subject to all other conditions) up to the
maximum principal sum only one time.

INTEREST: I agree to pay
interest on the outstanding principal balance from          2/01/07         
at the rate of     9.250    %
per year until             first
rate
change                       .

x
Variable Rate: This rate may then
change as stated below.

x Index Rate:
The future rate will be       1.000%
PLUS       the following index rate:
_______________________

   PRIME AS PUBLISHED IN THE WALL STREET
JOURNAL                                  
                                              

_____________________________________________________________________________________________

o No Index: The
future rate will not be subject to any integral or external index, it will be
entirely in your control.

x Frequency and Timing: The rate on this note may change as
often as              quarterly                                        .

A change in the interest rate will take effect      on
the same
day                                                                     .

x Limitations: During the term of this loan, the applicable
annual interest rate will not be more than     18.000           %
or less than     5.000         %.
The rate may not change more than     3.000        %
each      quarter                .

Effect of
Variable Rate: A change in the interest rate will have the
following effect on the payments:

x The amount of each scheduled payment will
change.             o
The amount of the final payment will change.

o
__________________________________________________________________________________________.

ACCRUAL METHOD:
Interest will be calculated on a         actual/360                    
basis.

POST MATURITY RATE: I agree to
pay interest on the unpaid balance of this note owing after maturity, and until
paid in full, as stated below:

x on the same fixed or variable rate basis in
effect before maturity (as indicated above).

o at a rate equal to
_____________________________________________________________________________.

x
LATE CHARGE: If a payment is made more
than   10   days after it is due, I agree to pay a
late charge of    $25.00             .

x ADDITIONAL CHARGES: In addition to interest, I agree to pay
the following charges which x are o
are not included in the principal amount above:     SEE
TIL
ITEMIZATION                                                                                           .

PAYMENTS: I
agree to pay this note as follows:

x
Interest: I agree to pay accrued
interest     on the 2nd day of each quarter beginning
5/02/07                                               .

x
Principal: I agree to pay the principal
     on demand, but if no demand is made then on
8/02/07. quarter beginning            

o Installments: I agree to pay this note in ______ payments.
The first payment will be in the amount of $ __________ and will be due _____________.
A payment of $ _________ will be due ___________________________ thereafter.
The final payment of the entire unpaid balance of principal and interest will
be due ______________________________.

PURPOSE: The
purpose of this loan is       BUSINESS
OPERATING
CAPITAL                                                                     .

ADDITIONAL
TERMS:

	
  HOME PHONE:

  	
  000-000-0000

  	
  BUSINESS PHONE:

  	
  000-000-0000

  
	
   

  	
   

  	
   

  	
   

  
	
  CENSUSN TRACT:

  	
  RISK CODE:

  	
  CALL REPORT
  CODE:        42

  
	
  PURPOSE CODE:

  	
  42

  	
   

  	
   

  

 

(page 1
of 31)

SECURITY

SECURITY INTEREST: I give you a
security interest in all of the Property described below that I own or have
sufficient rights in which to transfer an interest, now or in the future,
wherever the Property is or will be located, and all proceeds and products of
the Property. “Property” includes all parts, accessories, repairs,
replacements, improvements, and accessions to the Property; any original
evidence of title or ownership; and all obligations that support the payment or
performance of the Property. “Proceeds” includes anything acquired upon the
sale, lease, license, exchange, or other disposition of the Property; any
rights and claims arising from the Property; and any collections and
distributions on account of the Property.

o            Accounts and
Other Rights to Payment: All rights to payment, whether or not
earned by performance, including, but not limited to, payment for property or
services sold, leased, rented, licensed, or assigned. This includes any rights and
interests (including all liens) which I have by law or agreement against any
account debtor or obligor.

o            Inventory:
All inventory held for ultimate sale or lease, or which has been or will be
supplied under contracts of service, or which are raw materials, work in
process, or materials used or consumed in my business.

o            Equipment:
All equipment including, but not limited to, machinery, vehicles, furniture,
fixtures, manufacturing equipment, farm machinery and equipment, shop
equipment, office and record keeping equipment, parts, and tools. The Property
includes any equipment described in a list or schedule I give to you, but such
a list is not necessary to create a valid security interest in all of my
equipment.

o            Instruments
and Chattel Paper: All instruments, including negotiable instruments
and promissory notes and any other writings or records that evidence the right
to payment of a monetary obligation, and tangible and electronic chattel paper.

o            General
Intangibles: All general intangibles including, but not limited to,
tax refunds, patents and applications for patents, copyrights, trademarks,
trade secrets, goodwill, trade names, customer lists, permits and franchises,
payment intangibles, computer programs and all supporting information provided
in connection with a transaction relating to computer programs, and the right
to use my name.

o            Documents:
All documents of title including, but not limited to, bills of lading, dock
warrants and receipts, and warehouse receipts.

o            Farm
Products and Supplies: All farm products including, but not limited
to, all poultry and livestock and their young, along with their produce,
products, and replacements; all crops, annual or perennial, and all products of
the crops; and all feed, seed, fertilizer, medicines, and other supplies used
or produced in my farming operations.

o            Government
Payments and Programs: All payments, accounts, general intangibles,
and benefits including, but not limited to, payments in kind, deficiency
payments, letters of entitlement, warehouse receipts, storage payments,
emergency assistance and diversion payments, production flexibility contracts,
and conservation reserve payments under any preexisting, current, or future
federal or state government program.

o            Investment
Property: All investment property including, but not limited to,
certificated securities, uncertificated securities, securities entitlements,
securities accounts, commodity contracts, commodity accounts, and financial
assets.

o            Deposit
Accounts: All deposit accounts including, but not limited to,
demand, time, savings, passbook, and similar accounts.

x          Specific
Property Description: The Property includes, but is not limited by,
the following:

All cash, cash accounts, & checks in
clearing of banuestra financial corporation wether now existing or acquired.

	
  If applicable, enter real
  estate description and record owner information:

  	
   

  
	
   

  
	
   

  
	
   

  
	
  The Property
  will be used for a o
  personal x business o
  agricultural o

  	
   

  	
   purpose.

  
	
  Barrower/Owner State
  of organization/registration (if applicable)

  	
  GEORGIA

  
					

 

ADDITIONAL TERMS OF THE SECURITY
AGREEMENT

GENERALLY - This agreement
secures this note and any other debt I have with you, now or later. However, it
will not secure other debts if you fall with respect to such other debts, to
make any required disclosure about this security agreement or if you fail to
give any required notice of the right of rescission, if property described in
this agreement is located in another sate, this agreement may also, in some
circumstances, be governed by the law of the state in which the Property is
located.

NAME AND LOCATION - My name indicated
on page 1 is my exact legal name. If I am an Individual, my address is my
principal residence. If I am not an individual, my address is the location of
my chief executive offices or sole place of business. If I am an entity
organized and registered under state law, my address is located in the state in
which I am registered, unless otherwise indicated on page 2. I will provide
verification of registration and location upon your request. I will provide you
with at least 30 days notice prior to any change in my name, address, or state
of organization or registration.

OWNERSHIP AND DUTIES TOWARD
PROPERTY - I represent that I own all of the Property, or to
the extent this is a purchase money security interest I will acquire ownership
of the Property with the proceeds of the loan. I will defend it against any
other claim. Your claim to the Property is ahead of the claims of any other
creditor. I agree to do whatever you require to protect your security interest
and to keep your claim in the Property ahead of the claims of other creditors.
I will not do anything to harm your position. I will not use the Property for a
purpose that will violate any laws or subject the Property to forfeiture or
seizure.

I will keep books, records and accounts about the
Property and my business in general. I will let you examine these records at
any reasonable time. I will prepare any report or accounting you request, which
deals with the Property.

I will keep the Property
in my possession and will keep it in good repair and use it only for the
purpose(s) described on page 1 of this agreement. I will not change this
specified use without your express written permission. I represent that I am
the original owner of the Property and, if I am not, that I have provided you
with a list of prior owners of the Property.

I will keep the Property
at my address listed on page 1 of this agreement, unless we agree I may keep it
at another location. If the Property is to be used in another state, I will
give you a list of those states. I will not try to sell the Property unless it
is inventory or I receive your written permission to do so. If I sell the
Property I will have the payment made payable to the order of you and me.

You may demand immediate
payment of the debt(s) if the debtor is not a natural person and without your
prior written consent: (1) a beneficial interest in the debtor is sold or
transferred, or (2) there is a change in either the identity or number of
members of a partnership, or (3) there is a change in ownership of more than 25
percent of the voting stock of a corporation.

I will pay all taxes and
charges on the Property as they become due. You have the right of reasonable
access in order  to inspect the Property.
I will immediately inform you of any loss or damage to the Property.

If I fall to perform any
of my duties under this security agreement, or any mortgage, deed of trust,
lien or other security interest, you may without notice to me perform the
duties or cause them to be performed. Your right to perform for me shall not
create an obligation to perform and your failure to perform will not preclude
you from exercising any of your other rights under the law or this security
agreement.

PURCHASE MONEY SECURITY INTEREST-
For the sole purpose of determining the extent of a purchase money security
interest arising under this security agreement: (a) payments  on any nonpurchase money loan also secured by
this agreement will not be deemed to apply to the Purchase Money Loan, and (b)
payments on the Purchase Money Loan will be deemed to apply first to the
nonpurchase money portion of the loan, If any, and then to the purchase money
obligations in the order in which the items of collateral were acquired or if
acquired at the same time, in the order selected by you. No security interest
will be terminated by application of this formula. “Purchase Money Loan” means
any loan the proceeds of which, in whole or in part, are used to acquire any
collateral securing the loan and all extensions, renewals, consolidations and
refinancing of such loan.

PAYMENTS BY LENDER - You are
authorized to pay, on my behalf, charges I am or may become obligated to pay to
preserve or protect the secured property (such as property insurance premiums).
You may treat those payments as advances and add them to the unpaid principal
under the note secured by this agreement or you may demand immediate payment of
the amount advanced.

INSURANCE - I agree to buy
insurance on the Property against the risks and for the amounts you require and
to furnish you continuing proof of coverage. I will have the insurance company
name you as loss payee on any such policy. You may require added security if
you agree that insurance proceeds may be used to repair or replace the
Property. I will buy insurance from a firm licensed to do business in the state
where you are located. The firm will be reasonably acceptable to you. The
insurance will last until the Property is released from this agreement. If I
fail to buy or maintain the insurance (or fail to name you as loss payee) you
may purchase it yourself.

WARRANTIES AND REPRESENTATIONS -
If this agreement includes accounts, I will not settle any account for less
than its full value without your written permission. I will collect all
accounts until you tell me otherwise. I will keep the proceeds from all the
accounts and any goods which are returned to me or which I take back in trust
for you, I will not mix them with any other property of mine. I will deliver
them to you at your request. If you ask me to pay you the full price on any
returned items or items retaken by myself, I will do so. You may exercise my
rights with respect to obligations of any account debtors, or other persons
obligated on the Property, to pay or perform, and you may enforce any security
interest that secures such obligations.

If this agreement covers
inventory, I will not dispose of it except in my ordinary course of
businesses  at the fair market value for
the Property, or at a minimum price established between you and me.

If this agreement
covers farm products I will provide you, at your request, a written list of the
buyers, commission merchants or selling agents to or through whom I may sell my
farm products. In addition to those parties named on this written list, I
authorize you to notify at your sole discretion any additional parties
regarding your security interest in my farm products. I remain subject to all
applicable penalties for selling my farm products in violation of my agreement
with you and the Food Security Act. In this paragraph the terms farm products,
buyers,

(page 2 of 31)

commission merchants and
selling agents have the meanings given to them in the Federal Food Security Act
of 1985.

If this agreement covers
chattel paper or Instruments, either as original collateral or proceeds of the
Property, I will note your interest on the face of the chattel paper or
instruments.

REMEDIES - I
will be in default on this security agreement if I am in default on any note
this agreement secures or if I fail to keep any promise contained in the terms
of this agreement. If I default, you have all of the rights and remedies
provided in the note and under the Uniform Commercial Code. You may require me
to make the secured property available to you at a place which is reasonably
convenient. You may take possession of the secured property and sell it as
provided by law. The proceeds will be applied first to your expenses and then
to the debt. I agree that 10 days written notice sent to my last known address
by first class mail will be reasonable notice under the Uniform Commercial
Code. My current address is on page 1.

PERFECTION
OF SECURITY INTEREST - I authorize you to file a financing statement
covering the Property. I will comply with, facilitate, and otherwise assist you
in connection with obtaining possession of or control over the Property for
purposes of perfecting your security interest under the Uniform Commercial
Code.

ADDITIONAL
TERMS OF THE NOTE

DEFINITIONS - As used on pages 1
and 2, “x” means the terms that apply to this loan. “I,”
“me” or “my” means each Borrower who signs this note and each other person or
legal entity (including guarantors, endorsers, and sureties) who agrees to pay
this note (together referred to as “us”). “You” or “your” means the Lender and
its successors and assigns.

APPLICABLE LAW - The law of the state
of Georgia will govern this agreement. Any term of this agreement which is
contrary to applicable law will not be affective, unless the law permits you
and me to agree to such a variation. If any provision of this agreement cannot
be enforced according to its terms, this fact will not affect the
enforceability of the remainder of this agreement. No modification of this
agreement may be made without your express written consent. Time is of the
essence in this agreement.

PAYMENTS - Each payment I make
on this note will first reduce the amount I owe you for charges which are
neither interest nor principal. The remainder of each payment will then reduce
accrued unpaid interest, and then unpaid principal. If you and I agree to a
different application of payments, we will describe our agreement on this note.
I may prepay a part of, or the entire balance of this loan without penalty.
Unless we specify to the contrary on this note. Any partial prepayment will not
excuse or reduce any later scheduled payment until this note is paid in full
(unless, when I make the prepayment, you and I agree in writing to the
contrary).

INTEREST - Interest accrues on
the principal remaining unpaid from time to time, until paid in full. If I
receive the principal in more than one advance, each advance will start to earn
interest only when I receive the advance. The interest rate in effect on this note
at any given time will apply to the entire principal sum outstanding at that
time. Notwithstanding anything to the contrary, I do not agree to pay and you
do not intend to charge any rate of interest that is higher than the maximum
rate of interest you could charge under applicable law for the extension of
credit that is agreed to in this note (either before or after maturity). If any
notice of interest accrual is sent and is in error, we mutually agree to
correct it, and if you actually collect more interest than allowed by law and
this agreement, you agree to refund it to me.

INDEX RATE - The index will serve
only as a device for setting the interest rate on this note. You do not
guarantee by selecting this index, or the margin, that the interest rate on
this note will be the same rate you charge on any other loans or class of loans
you make to me or other borrowers.

POST MATURITY RATE - For purposes of
deciding when the “Post Maturity Rate” (shown on page 1) applies, the term
“maturity” means the date of the last scheduled payment indicated on page 1 of
this note or the date you accelerate payment on the note, whichever is earlier.

SINGLE ADVANCE LOANS - If this is a single
advance loan, you and I expect that you will make only one advance of principal.
However, you may add other amounts to the principal if you make any payments
described in the “PAYMENTS BY LENDER” paragraph on page 2.

MULTIPLE ADVANCE LOANS - If this is a
multiple advance loan, you and I expect that you will make more than one
advance of principal. If this is closed and credit, repaying a part of the
principal will not entitle me to additional credit.

SET-OFF - I agree that you may
set off any amount due and payable under this note against any right I have to
receive money from you.

“Right
to receive money from you” means:

(1)       any deposit account balance
I have with you;

(2)       any money owed to me on an
item presented to you or in your possession for collection or exchange; and

(3)       any repurchase agreement or
other nondeposit obligation.

“Any amount due and
payable under this note” means the total amount of which you are entitled to
demand payment under the terms of this note at the time you set off. This total
includes any balance the due date for which you properly accelerate under this note.

If my right to receive
money from you is also owned by someone who has not agreed to pay this note,
your right of set-off will apply to my interest in the obligation and to any
other amounts I could withdrew on my sole request or endorsement. Your right of
set-off does not apply to an account or other obligation where my rights are
only as a representative. It also does not apply to any individual Retirement
Account or other tax-deferred retirement account.

You will not be liable
for the dishonor of any check when the dishonor occurs because you set off this
debt against any of my accounts. I agree to hold you harmless from any such
claims arising as a result of your exercise of your right to set-off.

DEFAULT - I will be in default
if any one or more of the following occur:

(1) I fall to make a
payment on time or in the amount due; (2) I fail to keep the Property Insured,
if required; (3) I fail to pay, or keep any promise, on any debt or agreement I
have with you; (4) any other creditor of mine attempts to collect any debt I
owe him through court proceedings; (5) I die, am declared incompetent, make an
assignment for the benefit of creditors, or become insolvent (either because my
liabilities exceed my assets or I am unable to pay my debts as they become
due); (6) I make any written statement or provide any financial information
that is untrue or inaccurate at the time it was provided; (7) I do or fail to
do something which causes you to believe you will have difficulty collecting
the amount I owe you; (8) any collateral securing this note is used in a manner
or for a purpose which threatens confiscation by a legal authority; (9) I
change my name or assume an additional name without first notifying you before
making such a change; (10) I fail to plant, cultivate and harvest crops in due
season: (11) any loan proceeds are used for a purpose that will contribute to
excessive erosion of highly erodible land or to the conversion of wetlands to
produce or to make possible the production of an agricultural commodity, as
further explained in 7 C.F.R. Part 1940. Subpart G, Exhibit M.

REMEDIES - If I am in default
on this note you have, but are not limited to, the following remedies:

	
  (1)

  	
  You may demand immediate payment of all I owe you
  under this note (principal, accrued unpaid interest and other accrued unpaid
  charges).

  
	
  (2)

  	
  You may set off this debt against any right I have
  to the payment of money from you, subject to the terms of the “SET-OFF”
  paragraph herein.

  
	
  (3)

  	
  You may demand security, additional security, or
  additional parties to be obligated to pay this note as a condition for not
  using any other remedy.

  
	
  (4)

  	
  You may refuse to make advances to me or allow
  purchases on credit by me.

  
	
  (5)

  	
  You may use any remedy you have under state or
  federal law.

  
	
  (6)

  	
  You may make use of any remedy given to you in any
  agreement securing this note.

  

By selecting any one or
more of these remedies you do not give up your right to use later any other
remedy. By waiving your right to declare an event to be a default, you do not
waive your right to consider later the event a default if it continues or
happens again.

COLLECTION COSTS AND ATTORNEY’S
FEES - I agree to pay all costs of collection,
replevin or any other or similar type of cost if I am in default. In addition,
if you hire an attorney to collect this note, I also agree to pay attorney’s
fees of 15 percent of the principal and interest then owed, plus court costs
(except where prohibited by law). To the extent permitted by the United States
Bankruptcy Code, I also agree to pay the reasonable attorney’s fees and costs
you incur to collect this debt as awarded by any court exercising jurisdiction under
the Bankruptcy Code.

WAIVER - I give up my rights
to require you to do certain things. I will not require you to:

	
  (1)

  	
  demand payment of amounts due (presentment);

  
	
  (2)

  	
  obtain official certification of nonpayment
  (protest);

  
	
  (3)

  	
  give notice that amounts due have not been paid
  (notice of dishonor); or

  
	
  (4)

  	
  give me notice prior to seizure of my personal
  property when you are seeking to foreclose a secured interest in any of my
  personal property used to secure a commercial transaction.

  

I waive any defenses I
have based on suretyship or impairment of collateral.

OBLIGATIONS INDEPENDENT - I understand that I
must pay this note even if someone else has also agreed to pay it (by, for
example, signing this form or a separate guarantee or endorsement). You may sue
me alone, or anyone else who is obligated on this note, or any number of us together,
to collect this note. You may without notice release any party to this
agreement without releasing any other party. If you give up any of your rights,
with or without notice, it will not affect my duty to pay this note. Any
extension of new credit to any of us, or renewal of this note by all or less
than all of us will not release me from my duty to pay it. (Of course, you are
entitled to only one payment in full.) I agree that you may at your option
extend this note or the debt represented by this note, or any portion of the
note or debt, from time to time without limit or notice and for any term
without affecting my liability for payment of the note. I will not assign my
obligation under this agreement without your prior written approval.

FINANCIAL
INFORMATION - I agree to provide you, upon request, any
financial statement or information you may deem necessary. I warrant that the
financial statements and information I provide to you are or will be accurate,
correct and complete.

SIGNATURES
AND SEALS: IN WITNESS WHEREOF, I HAVE SIGNED MY NAME AND
AFFIXED MY SEAL ON THIS        1st       
DAY OF       February      2007  .
BY DOING SO, I AGREE TO THE TERMS OF THIS NOTE (INCLUDING THOSE ON PAGES 1 AND
2). I HAVE RECEIVED A COPY ON TODAY’S DATE.         BANUESTRA
FINANCIAL CORPORATION

	
  By:/s/ DREW WINFRED EDWARDS

  	
  58-2646945

  	
   

  	
  (SEAL)

  	
   

  	
  CEO

  	
   

  	
  (SEAL)

  
	
  DREW WINFRED
  EDWARDS

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  (SEAL)

  	
   

  	
   

  	
   

  	
  (SEAL)

  
	
  JOSE GONZALEZ

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  NOTARY PUBLIC

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  CWINNETT COUNTY,
  GEORGIA

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  MY COMMISSION
  EXPIRES AUGUST 13, 2007

  	
   

  	
  (SEAL)

  	
   

  	
   

  	
   

  	
  (SEAL)

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  SIGNATURE FOR LENDER:

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  WILLIAM P.
  RUTLEDGE/MSJ

  	
  FIRST
  VICE-PRESIDENT

  	
   

  	
   

  
											

 

(page 3 of 31)

 

	
  

  	
  BAILEY P. ROBINSON, III.

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  BANUESTRA FINANCIAL CORPORATION

  	
   

  
	
   

  	
  4409 CHICKERING LN.

  	
   

  	
   

  	
  THE PEOPLES BANK

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  P O DRAWER 788

  	
   

  	
   

  	
  623 HOLCOMB BRIDGE RD

  	
   

  
	
   

  	
  NASHVILLE TN
                      37215

  	
   

  	
   

  	
  WINDER, GA.
  30680

  	
   

  	
   

  	
  ROSWELL GA                30076
  0000

  	
   

  
	
   

  	
   

  GUARANTOR’S NAME
  AND 

  ADDRESS

  	
   

  	
   

  	
   

  LENDER’S NAME
  AND 

  ADDRESS

  	
   

  	
   

  	
   

  BORROWER’S NAME
  AND 

  ADDRESS

  	
   

  
	
   

  	
  “I” includes
  each guarantor above, jointly and severally.

  	
   

  	
   

  	
  “You” means the
  Lender, Its successors and assigns.

  	
   

  	
   

  	
  “Borrower” means
  each person

  above.

  	
   

  

 

GUARANTY

For
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, and to induce you, at your option, to make loans or engage in any
other transactions with borrower from time to time, I absolutely and
unconditionally guarantee the full payment of the following debts (as defined herein)
when due (whether at maturity or upon acceleration):
____________________________________________________________________________________.

PRESENT
DEBT GUARANTY

o            I
absolutely and unconditionally guarantee to you the payment and performance of
the following described debt (including all renewals, extensions, refinancings and
modifications) of the borrower:

PRESENT
AND FUTURE DEBT GUARANTY

x          I
absolutely and unconditionally guarantee to you the payment and performance of
each and every debt, of every type and description, that the borrower may now
or at any time in the future owe you including, but not limited to, the following
described debt(s): NOTE DATED 02/01/2007 NOT TO EXCEED $1,000,000.00.

o            I
absolutely and unconditionally guarantee to you the payment and performance of
each and every debt, of every type and description, that the borrower may now
or at any time in the future owe you, up to the principal amount of $                         
plus accrued interest, attorneys’ fees and collection costs referable thereto (when
permitted by law), and all other amounts agreed to be paid under all agreements
evidencing the debt and securing the payment of the debt. You may, without
notice, apply this guaranty to such debts of the borrower as you may select
from time to time.

DEFINITIONS
- As used in this agreement, the terms “I,” “we,” and “my” mean all persons
signing this guaranty agreement, individually and jointly, and their heirs,
executors, administrators and assigns.

The
term “debt” means all debts, liabilities, and obligations of the borrower
(including, but not limited to, all amounts agreed to be paid under the terms
of any notes or agreements securing the payment of any debt, liability or
obligation, overdrafts letters of credit, guaranties, advances for taxes.
Insurance, repairs and storage, and all extensions, renewals, refinancing and
modifications of these debts) whether now existing or created or incurred in
the future, due or to become due, or absolute or contingent, except for any
obligations incurred by borrower after the date of this guaranty for which the
borrower meets your standard of creditworthiness based on the borrower’s own
assets and income without the addition of a guaranty, or to which, although you
require the addition of a guaranty, the borrower chooses someone other than me
to guaranty the obligation.

APPLICABLE
LAW - This agreement is governed by the law of the state in
which you are located. Any term of this agreement that does not comply with applicable
law will not be affective if that law does not expressly or impliedly permit
variations by agreement. If any part of this agreement cannot be enforced
according to its terms, this fact will not affect the balance of this
agreement.

REVOCATION
- I agree that this is an absolute and continuing guaranty. If this guaranty is
limited to the payment of a specific debt of the borrower described above, this
agreement cannot be revoked and will remain in effect until the debt is paid in
full. If this guaranty covers both the borrower’s present and future debts, I agree
that this guaranty will remain binding on me, whether or not there are any
debts outstanding, until you have actually received written notice of my
revocation or written notice of my death or incompetence.

Notice
of revocation or notice of my death or incompetence will not affect my
obligations under this guaranty with respect to any debts incurred by or for
which you have made a commitment to borrower before you actually receive such
notice, and all renewals, extensions, refinancings, and modifications of such
debts. I agree that if any other person signing this agreement provides a
notice of revocation to you, I will still be obligated under this agreement until
I provide a notice of revocation to you, if any other person signing this
agreement dies or is declared incompetent, such fact will not affect my obligations
under this agreement.

OBLIGATIONS
INDEPENDENT - I agree that I am obligated to pay according to
the terms of this guaranty even if any other person has agreed to pay the
borrower’s debt. My obligation to pay according to the terms of this guaranty shall
not be affected by the illegality, invalidity or unenforceability of any notes
or agreements evidencing the debt, the violation of any applicable usury laws,
forgery, or any other circumstances which make the indebtedness unenforceable against
the borrower.

I
will remain obligated to pay on this guaranty even if any other person who is
obligated to pay the borrower’s debt, including the borrower, has such obligation
discharged in bankruptcy, foreclosure, or otherwise discharged by law. In such situations,
my obligation shall include post-bankruptcy petition interest and attorneys’
fees and any other amounts which borrower is discharged from paying or which do
not otherwise accrue to borrower’s Indebtedness due to borrower’s discharge. I
will also be obligated to pay you, to the fullest extent permitted by law, any
deficiency remaining after foreclosure of any mortgage or security interest securing
borrower’s debt, whether or not the liability of borrower or any other obligor
for such deficiency is discharged by statute or judicial decision. If any payments
by borrower to you are thereafter set aside, recovered, rescinded, in whole or
in part, are settled by you at your discretion, or are in any way recouped or recovered
from you for any reason (including, without limitation, the bankruptcy, Insolvency,
or reorganization of borrower or any other obligor), then I am obligated to
reimburse or indemnify you for the full amount you so pay together with costs, interest,
attorneys’ fees and all other expenses which you incur in connection therewith.
I also agree that if my liability is limited to a stated principal amount (plus
other agreed charges), you may allow the borrower to incur debt in excess of
the specified amount and apply to the payment of such excess any amounts you
receive for payment of the debt from the borrower or any other person, any
amounts resulting from any collateral, or amounts received from any other
source, without affecting my obligations under this agreement.

No
modification of this agreement is effective unless in writing and signed by you
and me, except that you may, without notice to me and without the addition of a
signed writing or my approval; (1) release any borrower or other person who may
be liable far borrower’s debt, (2) release or substitute any collateral, (3) fall
to perfect any security interest or otherwise impair any collateral, (4) waive
or impair any right you may have against any borrower or other person who may
be liable for borrower’s debt, (5) settle or compromise any claim against the borrower
or any person who may be liable for the borrower’s debt, (6) procure any additional
security or persons who agree to be liable for borrower’s debt, (7) delay or fail
to pursue enforcement of the debt, (8) apply amounts you receive from the
borrower or other persons to payment of the debt in any order you select, (9) make
any election with respect to the debt provided by law or any agreement with any
person liable for the debt, (10) exercise or fail to exercise any rights you
have with respect to the debt, (11) extend new credit to the borrower, or (12)
renew, extend, refinance or modify the borrower’s debt on any terms agreed to
by you and the borrower (including, but not limited to, changes in the interest
rate or in the method, time, place or amount of payment) without affecting my
obligation to pay under this guaranty.

WAIVER
- I waive presentment, demand, protest, notice of dishonor, and notice of acceptance
of this guaranty. I also waive, to the extent permitted by law, all notices,
all defenses and claims that the borrower could assert, any right to require
you to pursue any remedy or seek payment from any other person before seeking
payment under this agreement, and all other defenses to the debt, except
payment in full. You may without notice to me and without my consent, enter
into agreements with the borrower from time to time for purposes of creating or
continuing the borrower’s debt as allowed by this guaranty. I agree that I will
be liable, to the fullest extent permitted by applicable law, for any
deficiency remaining after foreclosure (or repossession) and sale of any
collateral without regard to whether borrower’s obligation to any such
deficiency is discharged by law. If any payments on the debt are set aside, recovered
or required to be returned in the event of the Insolvency, bankruptcy or reorganization
of the borrower, my obligations under this agreement will continue or if such payments
had never been made.

I also
waive and relinquish all present and future claims, rights, and remedies
against borrower or any other obligated party arising out of the creation or my
performance of this guaranty. My waiver includes, but is not limited to, the
right of contribution, reimbursement, indemnification, subrogation, exoneration,
and any right to participate in any claim or remedy you may have against the
borrower, collateral, or other party obligated for borrower’s debts, whether or
not not such claim, remedy, or right arises in equity, or under contract, statute
or common law.

REMEDIES
- If I fail to keep any promise contained in this agreement or any agreement
securing this agreement, you may, make this agreement and the borrower’s debt immediately
due and payable, you may set-off this obligation against any right I have to
receive money from you (however, you may not set-off against any accounts in which
my rights are only as a fiduciary or my IRA or other tax-deferred retirement
account), you may use any remedy you have under state or federal law, and you
may use any remedy given to you by any agreement securing this agreement. If I
die, am declared incompetent or become insolvent (either because my liabilities
exceed my assets or because I am unable to pay my debts as they become duel,
you may make the debt immediately due and payable.

COLLECTION
COSTS - Except when prohibited by law, I agree to pay the
reasonable costs and expanses you incur to enforce and collect this agreement,
including attorney’s fees and court costs.

SECURITY
- This guaranty is x unsecured o
secured by __________________________________________________.

	
  NOTICE
  TO COSIGNER

        You are
  being asked to guarantee the debts described above. If you are making a
  “Present and Future Debt Guaranty” as identified above, you are being asked
  to guarantee present as well as future debts of the borrower entered into with this
  lender. Think carefully before you do. If the borrower doesn’t pay these
  debts, you will have to. Be sure you can afford to pay if you have to, and
  that you want to accept this responsibility.

        You may
  have to pay up to the full amount of these debts if the borrower does not
  pay. You may also have to pay into fees or collection costs, which increase
  this amount.

        The
  lender can collect these debts from you without first trying to collect from
  the borrower. The lender can use the same collection methods against you that
  can be used against the borrower, such assuing you, garnishing your wages,
  etc. If these debts are ever in default, that fact may become part of your credit record.

  	
   

  	
  In witness whereof, I
  have signed my name and affixed my seal on this   1st day of
              February,
  2007            ,
  and, by doing so, agree to the terms of this guaranty and acknowledge having
  read the Notice to Consigner.

  
	
   

  	
   

  
	
   

  	
    /s/ Bailey
  P. Robinson, III

  	
  (SEAL)

  
	
   

  	
      BAILEY P. ROBINSON, III.

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  	
   

  

(page 1
of 1)

 

	
   

  	
  JOHN COLLINS

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  BANUESTRA FINANCIAL CORPORATION

  	
   

  
	
   

  	
  4682 CARLTON DUNES DR

  	
   

  	
   

  	
  THE PEOPLES BANK

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  P O DRAWER 788

  	
   

  	
   

  	
  623 HOLCOMB BRIDGE RD

  	
   

  
	
   

  	
  FERNANDINA FL                     32034

  	
   

  	
   

  	
  WINDER, GA.
  30680

  	
   

  	
   

  	
  ROSWELL GA                30076
  0000

  	
   

  
	
   

  	
   

  GUARANTOR’S NAME
  AND 

  ADDRESS

  	
   

  	
   

  	
   

  LENDER’S NAME
  AND 

  ADDRESS

  	
   

  	
   

  	
   

  BORROWER’S NAME
  AND 

  ADDRESS

  	
   

  
	
   

  	
  “I” includes
  each guarantor above, jointly and severally.

  	
   

  	
   

  	
  “You” means the
  Lender, Its successors and assigns.

  	
   

  	
   

  	
  “Borrower” means
  each person above.

  	
   

  

 

GUARANTY

For good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
and to induce you, at your option, to make loans or engage in any other
transactions with borrower from time to time, I absolutely and unconditionally
guarantee the full payment of the following debts (as defined herein) when due
(whether at maturity or upon acceleration):

PRESENT
DEBT GUARANTY

o        I absolutely and unconditionally guarantee to
you the payment and performance of the following described debt (including all
renewals, extensions, refinancings and modifications) of the borrower:
____________________________ ____________________________________________.

PRESENT AND FUTURE DEBT GUARANTY

x      I absolutely and unconditionally guarantee to you
the payment and performance of each and every debt, of every type and
description, that the borrower may now or at any time in the future owe you
including, but not limited to, the following described debt(s):                   NOTE
DATED 02/01/2007 NOT TO EXCEED $1,000,000.00                             .

 

o        I absolutely and
unconditionally guarantee to you the payment and performance of each and every
debt, of every type and description, that the borrower may now or at any time
in the future owe you, up to the principal amount of $_________________ plus
accrued interest, attorneys’ fees and collection costs referable thereto (when
permitted by law), and all other amounts agreed to be paid under all agreements
evidencing the debt and securing the payment of the debt. You may, without
notice, apply this guaranty to such debts of the borrower as you may select
from time to time.

DEFINITIONS - As
used in this agreement, the terms “I,” “we,” and “my” mean all persons signing
this guaranty agreement, individually and jointly, and their heirs, executors,
administrators and assigns.

The term “debt” means all
debts, liabilities, and obligations of the borrower (including, but not limited
to, all amounts agreed to be paid under the terms of any notes or agreements
securing the payment of any debt, liability or obligation, overdrafts, letters
of credit, guaranties, advances for taxes, insurance, repairs and storage, and
all extensions, renewals, refinancings and modifications of these debts)
whether now existing or created or incurred in the future, due or to become
due, or absolute or contingent, except for any obligations incurred by borrower
after the date of this guaranty for which the borrower moots your standard of
creditworthiness based on the borrower’s own assets and income without the
addition of a guaranty, or to which, although you require the addition of a
guaranty, the borrower chooses someone other than me to guaranty the
obligation.

APPLICABLE LAW -
This agreement is governed by the law of the state in which you are located.
Any term of this agreement that does not comply with applicable law will not be
effective if that law does not expressly or impliedly permit variations by
agreement. If any part of this agreement cannot be enforced according to its
terms, this fact will not affect the balance of this agreement.

REVOCATION - I
agree that this is an absolute and continuing guaranty. If this guaranty is
limited to the payment of a specific debt of the borrower described above, this
agreement cannot be revoked and will remain in effect until the debt is paid in
full. If this guaranty covers both the borrower’s present and future debts, I
agree that this guaranty will remain binding on me, whether or not there are
any debts outstanding, until you have actually received written notice of my
revocation or written notice of my death or incompetence.

Notice of revocation or
notice of my death or incompetence will not affect my obligations under this
guaranty with respect to any debts incurred by or for which you have made a
commitment to borrower before you actually receive such notice, and all
renewals, extensions, refinancings, and modifications of such debts. I agree
that if any other person signing this agreement provides a notice of revocation
to you, I will still be obligated under this agreement until I provide a notice
of revocation to you. If any other person signing this agreement dies or is
declared incompetent, such fact will not affect my obligations under this
agreement.

OBLIGATIONS INDEPENDENT -
I agree that I am obligated to pay according to the terms of this guaranty even
if any other person has agreed to pay the borrower’s debt. My obligation to pay
according to the terms of this guaranty shall not be affected by the
illegality, invalidity or unenforceability of any notes or agreements
evidencing the debt, the violation of any applicable usury laws, forgery, or
any other circumstances which make the indebtedness unenforceable against the
borrower.

I will remain obligated
to pay on this guaranty even if any other person who is obligated to pay the
borrower’s debt, including the borrower, has such obligation discharged in
bankruptcy, foreclosure, or otherwise discharged by law. In such situations, my
obligation shall include post-bankruptcy petition interest and attorneys’ fees
and any other amounts which borrower is discharged from paying or which do not
otherwise accrue to borrower’s indebtedness due to borrower’s discharge. I will
also be obligated to pay you, to the fullest extent permitted by law, any
deficiency remaining after foreclosure of any mortgage or security interest
securing borrower’s debt, whether or not liability of borrower or any other
obligor for such deficiency is discharged by statute or judicial decision. If
any payments by borrower to you are thereafter set aside, recovered, rescinded,
in whole or in part, are settled by you at your discretion, or are in any way
recouped or recovered from you for any reason (including, without limitation,
the bankruptcy, insolvency, or reorganization of borrower or any other
obligor), then I am obligated to reimburse or indemnify you for the full amount
you so pay together with costs, Interest, attorneys’ fees and all other
expenses which you incur in connection therewith. I also agree that if my
liability is limited to a stated principal amount (plus other agreed charges),
you may allow the borrower to incur debt in excess of the specified amount and
apply to the payment of such excess any amounts you receive for payment of the
debt from the borrower or any other person, any amounts resulting from any
collateral, or amounts received from any other source, without affecting my
obligations under this agreement.

No modification of this
agreement is effective unless in writing and signed by you and me, except that
you may, without notice to me and without the addition of a signed writing or
my approval; (1) release any borrower or other person who may be liable for
borrower’s debt, (2) release or substitute any collateral, (3) fail to perfect
any security Interest or otherwise impair any control, (4) waive or impair any
right you may have against any borrower or other person who may be liable for
borrower’s debt, (5) settle or compromise any claim against the borrower or any
persons who may be liable for the borrower’s debt, (6) procure any additional
security or persons who agree to be liable for borrower’s debt, (7) delay or
fail to pursue enforcement of the debt, (8) apply amounts you receive from the
borrower or other persons to payment of the debt in any order you select, (9)
make any election with respect to the debt provide by law or any agreement with
any person liable for the debt, (10) exercise or fail to exercise any rights
you have with respect to the debt, (11) extend new credit to the borrower, or
(12) renew, extend, refinance or modify the borrower’s debt on any terms agreed
to by you and the borrower (including, but not limited to, changes in the
Interest rate or in the method, time, place or amount of payment) without
affecting my obligation to pay under this guaranty.

WAIVER - I
waive presentment, demand, protest, notice of dishonor, and notice of
acceptance of this guaranty. I also waive, to the extent permitted by law, all
notices, all defenses and claims that the borrower could assert, any right to
require you to pursue any remedy or seek payment from any other person before
seeking payment under this agreement, and all other defenses to the debt,
except payment in full. You may without notice to me and without my consent,
enter into agreements with the borrower from time to time for purposes of
creating or continuing the borrower’s debt as allowed by this guaranty. I agree
that I will be liable, to the fullest extent permitted by applicable law, for
any deficiency remaining after foreclosure (or repossession) and sale of any
collateral without regard to whether borrower’s obligation to pay such
deficiency is discharged by law. If any payments on the debt are set aside,
recovered or required to be returned in the event of the insolvency, bankruptcy
or reorganization of the borrower, my obligations under this agreement will
continue as if such payments had never been made.

I also waive and
relinquish all present and future claims, rights, and remedies against borrower
or any other obligated party arising out of the creation or my performance of
this guaranty. My waiver includes, but is not limited to, the right of
contribution, reimbursement, indemnification, subrogation, exoneration, and any
right to participate in any claim or remedy you may have against the borrower,
collateral, or other party obligated for borrower’s debt, whether or not not
such claim, remedy, or right arises in equity, or under contract, statute or
common law.

REMEDIES - If I
fail to keep any promise contained in this agreement or any agreement securing
this agreement, you may, make this agreement and the borrower’s debt
immediately due and payable, you may set-off this obligation against any right
I have to receive money from you (however, you may not set-off against any
accounts in which my rights are only as a fiduciary or my IRA or other  tax-deferred retirement account), you may use
any remedy you have under state or federal law, and you may use any remedy
given to you by any agreement securing this agreement. If I die, am declared
incompetent, or become insolvent (either because my liabilities exceed my
assets or because I am unable to pay my debts as they become due), you may make
the debt immediately due and payable.

COLLECTION
COSTS - Except when prohibited by law, I agree to pay the
reasonable costs and expenses you incur to enforce and collect this agreement,
Including attorneys’ fees and court costs.

SECURITY
- This guaranty is x
unsecured o secured by
____________________________________________________.

	
  NOTICE
  TO COSIGNER

        You are being asked to guarantee the
  debts described above. If you are making a “Present and Future Debt Guaranty”
  as identified above, you are being asked to guarantee present
  as well as future debts of the borrower
  entered into with this lender. Think carefully before you do. If the borrower
  doesn’t pay these debts, you will have to. Be sure you can afford to pay if
  you have to, and that you want to accept this responsibility.

        You may have to pay up to the full
  amount of these debts if the borrower does not pay. You may also have to pay
  late fees or collection costs, which increase this amount.

        The lender can collect these debts form
  you without first trying to collect from the borrower. The lender can use the
  same collection methods against you that can be used against the borrower,
  such as suing you, garnishing your wages, etc. If these debts are ever in
  default, that fact may become part of your credit
  record.

  	
   

  	
  In witness whereof, I
  have signed my name and affixed my seal on this      1st
  day of            February,
  2007       , and, by going so, agree
  to the terms of this guaranty and acknowledge having read the Notice to
  Consigner.

  
	
   

  	
   

  
	
   

  	
    /s/ John Collins

  	
  (SEAL)

  
	
   

  	
        JOHN
  COLLINS

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  	
   

  

(page 1 of 1)

	
  DREW EDWARDS

  	
   

  	
  THE PEOPLES BANK

  	
   

  	
  BANUESTRA FINANCIAL CORPORATION

  
	
  511 CRESTED HAWK RIDGE

  	
   

  	
  P O DRAWER 788

  	
   

  	
  623 HOLCOMB BRIDGE RD

  
	
  CANTON GA                                      30114

  	
   

  	
  WINDER, GA.
  30680

  	
   

  	
  ROSWELL GA 30076 0000

  
	
  GUARANTOR’S NAME AND
  ADDRESS

  	
   

  	
  LENDER’S NAME AND
  ADDRESS

  	
   

  	
  BORROWER’S NAME AND ADDRESS

  
	
  “I” includes each
  guarantor above, jointly and severally.

  	
   

  	
  “You means the Leader, its successors and assigns.

  	
   

  	
  “Borrower” means each person above.

  

GUARANTY

For good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, and to induce you, at your option, to make loans
or engage in any other transactions with borrower from time to time, I
absolutely and unconditionally guarantee the full payment of the following
debts (as defined herein) when due (whether at maturity or upon acceleration):

PRESENT DEBT GUARANTY

	
  o   I
  absolutely and unconditionally guarantee to you the payment and performance
  of the following described debt

  
	
  (including all
  renewals, intensions, refinancing and modifications) of the borrower:

  	
   

  

 

PRESENT AND FUTURE DEBT GUARANTY

x   I absolutely and
unconditionally guarantee to you the payment and performance of each the every
debt, of every type and description, that the borrower may now or at any time
in the future owe you including, but not limited to, the following described
debt(s): NOTE DATED 02/01/2007 NOT TO EXCEED $500,000.00

o   I absolutely and
conditionally guarantee to you the payment and performance of each and every
debt, of every type and description, that the borrower may now or at any time
in the future owe you, up to the principal amount of $                   
plus accrued interest, attorneys’ fees and collection costs referable
thereto (when permitted by law), and all other amounts agreed to be paid under
all agreements evidencing the debts and securing the payment of the debt. You
may, notice, apply this guaranty to such debts of the borrower as you may
select from times to time.

DEFINITIONS - As used in this
agreement, the terms, “I,” “we,” and “my” means all persons signing this
guaranty agreement, individually and jointly, and their heirs, executors,
administrators and assigns.

The terms “debt” means
all debts, liabilities, and obligations of the borrower (including, but not
limited to, all amounts agreed to be paid under the terms of any notes of
agreements securing the payment of any debt, liability or obligation,
overdrafts, letters of credit, guaranties, advances for taxes, insurance,
repairs, and storage and all extensions, renewals, refinancing and
modifications of these debts) whether now existing or created or incurred in
the future, due or to become due, or absolute or contingent, except for any
obligations incurred by borrower after the date of this guaranty for which the
borrower meets you standard of creditworthiness based on the borrower’s own
assets and income without the addition of a guaranty, or to which, although you
require the addition of a guaranty, the borrower chooses someone other than me
to guaranty the obligation.

APPLICABLE LAW - This agreement
is governed by the law of the state in which you are located. Any term of this
agreement that does  not comply with
applicable law will not be effective if that law does not effective if that law
does not expressly or impliedly permit variations by agreement. If any part of
this agreement cannot be unforced according to its terms, this fact will not
affect the balance of this agreement.

REVOCATION - I agree that his is
an absolute and continuing guaranty. If this guaranty is limited to this
payment of a specific debt of the borrower described above, this agreement
cannot be revoked and will remain in effect until the debt is paid in full. If
this guaranty covers both the borrower’s present and future debts, I agree that
his guaranty will remain binding on me, whether or not there are any debts
outstanding, until you have actually received written notice of my revocation
or written notice of my death or incompetence.

Notice of revocation or
notice of my death or incompetence will not affect my obligations under this
guaranty with respect to any debts incurred by or for which you have made a
commitment to borrower before you actually receive such notice, and all
renewals, extensions, refinancing, and modifications of such debts. I agree
that if any other person signing this agreement provides a notice of revocation
to you, I will still be obligated under this agreement until I provide a notice
of revocation to you. If any other person signing this agreement dies or is declared
incompetent , such fact will not affect my obligation under this agreement.

OBLIGATIONS INDEPENDENT - I
agree that I am obligated to pay according to the terms of this guaranty even
if any other person has agreed to pay the borrower’s debt. My obligation to pay
according to the terms of this guaranty shall not be affected by the other
circumstances which make the indebtedness unenforceable against the borrower.

I will remain obligated
to pay on this guaranty even if any other persons who is obligated to pay the
borrower’s debt, including the borrower, has such obligation discharged in
bankruptcy, foreclosure, or otherwise discharged by law. In such situations, my
obligation shall include post-bankruptcy petition interest and attorneys’ fees
and any other amounts which borrower is discharged from paying or which do not
otherwise accrue to borrower’s indebtedness due to borrower’s discharge. I will
also be obligated to pay you, to the fullest extent permitted by law, any
deficiency remaining after foreclosure of any mortgage or security interest
securing borrower’s debt, whether or not the liability of borrower or any other
obligor for such deficiency is discharged by statute or judicial decision. If
any payments by borrower to you are thereafter sat aside, recovered, rescinded,
in whole or in part, are settled by you at your discretion, or are in any way
recouped or recovered from you for any reason (including, without limitation,
the bankruptcy, insolvency, or reorganization of borrower or any other obligor),
then I am obligated to reimburse or indemnify you for the full amount you so
pay together with costs, interest, attorneys’ fees and all other expenses which
your incur debt in excess of the specified amount and apply to the payment of
such excess any amounts you receive for payment of the debt from the borrower
or any other person, any amounts resulting from any collateral, or amounts
received from any other source, without affecting my obligations under this
agreement.

No modification of this
agreement is effective unless in writing and signed by you and me, except that
you may, without notice to me and without the addition of a signed writing or
my approval; (1) release any borrower or other person who may be liable for
borrower’s debt, (2) release or substitute any collateral, (3) fail to perfect
any security interest or otherwise impair any collateral, (4) waive or impair
any right you may have against any borrower or other persons who may be liable
for borrower’s debt, (5) settle or compromise any claim against the borrower or
any person who may be liable for the borrower’s debt, (6) procure any
additional security or persons who agree to be liable for borrower’s debt, (7)
delay or fail to pursue enforcement of the debt, (8) apply amounts you receive
from the borrower or other persons to payment of the debt in any order you
select. (9) make any selection with respect to the debt, (11) extend new credit
to the borrower, or (12) renew, extend, refinance or modify the borrower’s debt
on any terms agreed to by you and the borrower including, but nor limited to,
changes in the interest rate or in the method, time, place or amount of
payment)  without effecting my obligation
to pay under this guaranty.

WAIVER -1 Walve presentment,
demand, protest, notice of dishonor, and notice of acceptance of this guaranty.
I also waive, to the extent permitted by law, all notices, all defenses and
claims that the borrower could assert, any right to require you to pursue any
remedy or seek payment from any other person before seeking payment under this
agreement, and all other defenses to the debt, except payment in full. You may
without notice to me and without my consent, enter into agreements with the
borrower from time for purposes of creating of continuing the borrower’s debt
as allowed by this guaranty. I agree that I will be liable, to the fullest
extent permitted by applicable law, for any deficiency remaining after
foreclosure (or repossession) and sale of any collateral without regard to
whether borrower’s obligation to pay such deficiency is discharged by law. If
any payments on the debt are set aside, recovered or required to be returned in
the event of the insolvency, bankruptcy of reorganization of the borrower, my
obligations under this agreement will continue as if such payments had never
been made.

I also walve and
relinquish all present and future claims, rights and remedies against borrower
or any other obligated party arising out of the creation or my performance of
this guaranty. My waiver includes, but is not limited to, the right of
contribution, reimbursement, Indemnification, subrogation, exoneration, any
right to participate in any claim or remedy you may have against to borrower,
collateral, or other party obligated for borrower’s debts, whether or not such
claim, remedy, or right arises in equity, or under contract, statute or common
law.

REMEDIES - If fall to keep any
promise contained in this agreement or any agreement securing this agreement,
you may, make this agreement and the borrower’s debt immediately due and
payable, you may set-off this obligation against any right I have to receive
money from you (however, you may not sat-off against any accounts in which my
rights are only as a fiduciary or my IRA or other tax-deferred retirement
account), you may use any remedy you have under state or federal law, and you
may use any remedy given to you by any agreement this agreement. If I die, arm
declared incompetent, or become insolvent (either because my liabilities my
assets or because I am unable to pay my debts as they become due), you may make
the debt immediately due and payable.

COLLECTION COSTS. -
Except when prohibited by law, I agree to pay the reasonable costs and expenses
you incur to enforce and collect this agreement, including attorneys’ fees and
court costs.

	
  SECURITY - This guaranty is x
  unsecured o secured by

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  NOTICE
  TO COSIGNER

  	
   

  	
  In witness whereof, I have signed my name and
  affixed my

  
	
  You are being asked to
  guarantee the debts described above. If your are making a “Present and Future
  Debt Guaranty” as identified above. you are being asked to guarantee present as well as future debts
  of the borrower entered into with this lender. Think carefully before you do.
  If the borrower doesn’t pay these debts, you will have to. Be sure you can
  afford to pay if you have to, and that you want to accept this
  responsibility.

  You may have to pay up
  to the full amount of these debate if the borrower does not pay. You may also
  have to pay late fees or collection costs, which increase this amount.

  The lender can collect
  these debts from you without first trying to collect from the borrower. The
  lender can use the same collection methods against you that can be used
  against the borrower, such as suing you, garnishing you wages, etc. If these
  debts are ever in default, that fact become part of your
  credit record.

  	
   

  	
  seal on this 1stday of February, 2007,
  and, by doing so, agree to the terms of this guaranty and acknowledge having
  read the Notice to Cosigner.

  
	
   

  	
  /s/ Drew Edwards

  	
  (SEAL)

  
	
   

  	
  DREW EDWARDS

  
	
   

  	
  (SEAL)

  
	
   

  	
  JOSE GONZALEZ

  
	
   

  	
  NOTARY PUBLIC

  
	
   

  	
  COUNTY, GEORGIA

  
	
   

  	
  MY COMMISSION EXPIRES
  AUGUST 13, 2007

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  

(page 1 of 1)

 

	
   

  	
  LUZ LOPEZ URRUTIA

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  BANUESTRA FINANCIAL CORPORATION

  	
   

  
	
   

  	
  4165 WELLINGTON LAKE CT

  	
   

  	
   

  	
  THE PEOPLES BANK

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  P O DRAWER 788

  	
   

  	
   

  	
  623 HOLCOMB BRIDGE RD

  	
   

  
	
   

  	
  DULUTH GA                          30097

  	
   

  	
   

  	
  WINDER, GA.
  30680

  	
   

  	
   

  	
  ROSWELL GA                30076
  0000

  	
   

  
	
   

  	
   

  GUARANTOR’S NAME
  AND 

  ADDRESS

  	
   

  	
   

  	
   

  LENDER’S NAME
  AND 

  ADDRESS

  	
   

  	
   

  	
   

  BORROWER’S NAME
  AND 

  ADDRESS

  	
   

  
	
   

  	
  “I” includes
  each guarantor above, jointly and severally.

  	
   

  	
   

  	
  “You” means the
  Lender, Its successors and assigns.

  	
   

  	
   

  	
  “Borrower” means
  each person above.

  	
   

  

 

GUARANTY

For good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
and to induce you, at your option, to make loans or engage in any other
transactions with borrower from time to time. I absolutely and unconditionally
guarantee the full payment of the following debts (as defined herein) when due
(whether at maturity or upon acceleration):

o        I absolutely and
unconditionally guarantee to you the payment and performance of the following
described debt (including all renewals, extensions, refinancings and
modifications) of the borrower:

PRESENT AND FUTURE DEBT GUARANTY

x      I absolutely and unconditionally guarantee to you
the payment and performance of each and every debt, of every type and
description, that the borrower may now or at any time in the future owe you
including, but not limited to, the following described debt(s):                                 NOTE
DATED 02/01/2007 NOT TO EXCEED $250,000.00                                .

o        I absolutely and
unconditionally guarantee to you the payment and performance of each and every
debt, of every type and description, that the borrower may now or at any time
in the future owe you, up to the principal amount of $___________________ plus
accrued interest, attorneys’ fees and collection costs referable thereto (when
permitted by law), and all other amounts agreed to be paid under all agreements
evidencing the debt and securing the payment of the debt.  You may, without notice, apply this guaranty
to such debts of the borrower as you may select from time to time.

DEFINITIONS -
As used in this agreement, the terms “I”, “we,” and “my” mean all persons
signing this guaranty agreement, individually and jointly, and their heirs,
executors, administrators and assigns.

The term “debt” means all
debts, liabilities, and obligations of the borrower (including, but not limited
to, all amounts agreed to be paid under the terms of any notes or agreements
securing the payment of any debt, liability or obligation, overdrafts, letters
of credit, guaranties, advances for taxes, insurance, repairs and storage, and
all extensions, renewals, refinancings and modifications of these debts)
whether now existing or created or incurred in the future, due or to become
due, or absolute or contingent, except for any obligations incurred by borrower
after the data of this guaranty for which the borrower meets your standard of
creditworthiness based on the borrower’s own assets and income without the
addition of a guaranty, or to which, although you require the addition of a
guaranty, the borrower chooses someone other than me to guaranty the
obligation.

APPLICABLE LAW -
This agreement is governed by the law of the state in which you are located.
Any term of this agreement that does not comply with applicable law will not be
effective if that law does not expressly or impliedly permit variations by
agreement. If any part of this agreement cannot be enforced according to its
terms, this fact will not affect the balance of this agreement.

REVOCATION - I
agree that this is an absolute and continuing guaranty. If this guaranty is
limited to the payment of a specific debt of the borrower described above, this
agreement cannot be revoked and will remain in effect until the debt is paid in
full.  If this guaranty covers both the
borrower’s present and future debts, I agree that this guaranty will remain
binding on me, whether or not there are any debts outstanding, until you have
actually received written notice of my revocation or written notice of my death
or incompetence.

Notice of revocation or
notice of my death or incompetence will not affect my obligations under this
guaranty with respect to any debts incurred by or for which you have made a
commitment to borrower before you actually receive such notice, and all
renewals, extensions, refinancings, and modifications of such debts. I agree
that if any other person signing this agreement provides a notice of revocation
to you, I will still be obligated under this agreement until I provide a notice
of revocation to you. If any other person signing this agreement dies or is
declared incompetent, such fact will not affect my obligations under this
agreement.

OBLIGATIONS INDEPENDENT -
I agree that I am obligated to pay according to the terms of this guaranty even
if any other person has agreed to pay the borrower’s debt. My obligation to pay
according to the terms of this guaranty shall not be affected by the illegality,
invalidity or unenforceability of any notes or agreements evidencing the debt,
the violation of any applicable usury laws, forgery, or any other circumstances
which make the indebtedness unenforceable against the borrower.

I will remain obligated
to pay on this guaranty even if any other person who is obligated to pay the
borrower’s debt, including the borrower, has such obligation discharged in
bankruptcy, foreclosure, or otherwise discharged by law. In such situations, my
obligation shall include post-bankruptcy petition interest and attorneys’ fees
and any other amounts which borrower is discharged from paying or which do not
otherwise accrue to borrower’s indebtedness due to borrower’s discharge. I will
also be obligated to pay you, to the fullest extent permitted by law, any
deficiency remaining after foreclosure of any mortgage or security interest
securing borrower’s debt, whether or not the liability of borrower or any other
obligor for such deficiency is discharged by statue or judicial decision. If
any payments by borrower to you are thereafter set aside, recovered, rescinded,
in whole or in part, are settled by you at your discretion, or are in any way
recouped or recovered from you for any reason (Including, without limitation,
the bankruptcy, insolvency, or reorganization of borrower or any other
obligor), then I am obligated to reimburse or indemnify you for the full amount
you so pay together with costs, interest, attorneys’ fees and all other
expenses which you incur in connection therewith. I also agree that if my
liability is limited to a stated principal amount (plus other agreed charges),
you may allow the borrower to incur debt in excess of the specified amount and
apply to the payment of such excess any amounts you receive for payment of the
debt from the borrower or any other person, any amounts resulting from any
collateral, or amounts received from any other source, without affecting my
obligations under this agreement.

No modification of this
agreement is effective unless in writing and signed by you and me, except that
you may, without notice to me and without the addition of a signed writing or
my approval; (1) release any borrower or other person who may be liable for
borrower’s debt, (2) release or substitute any collateral, (3) fail to perfect
any security interest or otherwise impair any collateral, (4) waive or impair
any right you may have against any borrower or other person who may be liable
for borrower’s debt, (5) settle or compromise any claim against the borrower or
any person who may be liable for the borrower’s debt, (6) procure any
additional security or persons who agree to be liable for borrower’s debt, (7)
delay or fail to pursue enforcement of the debt, (8) apply amounts you receive
from the borrower or other persons to payment of the debt in any order you
select, (9) make any election with respect to the debt provided by law or any
agreement with any person liable for the debt, (10) exercise or fail to
exercise any rights you have with respect to the debt, (11) extend new credit
to the borrower, or (12) renew, extend, refinance or modify the borrower’s debt
on any terms agreed to by you and the borrower (including, but not limited to,
changes in the interest rate or in the method, time, place or amount of
payment) without affecting my obligation to pay under this guaranty.

WAIVER - I
waive presentment, demand, protest, notice of dishonor, and notice of
acceptance of this guaranty. I also waive, to the extent permitted by law, all
notices, all defenses and claims that the borrower could assert, any right to
require you to pursue and remedy or seek payment from any other person before
seeking payment under this agreement, and all other defenses to the debt,
except payment in full. You may without notice to me and without my consent,
enter into agreements with the borrower from time to time for purposes of creating
or continuing the borrower’s debt as allowed by this guaranty. I agree that I
will be liable, to the fullest extent permitted by applicable law, for any
deficiency remaining after foreclosure (or repossession) and sale of any
collateral without regard to whether borrower’s obligation to pay such
deficiency is discharged by law. If any payments on the debt are set aside,
recovered or required to be returned in the event of the insolvency, bankruptcy
or reorganization of the borrower, my obligations under this agreement will
continue as if such payments had never been made.

I also waive and
relinquish all present and future claims, rights, and remedies against borrower
or any other obligated party arising out of the creation or my performance of
this guaranty. My waiver includes, but is not limited to, the right of
contribution, reimbursement, indemnification, subrogation, exoneration, and any
right to participate in any claim or remedy you may have against the borrower,
collateral, or other party obligated for borrower’s debts, whether or not not
such claim, remedy, or right arises in equity, or under contract, statute or
common law.

REMEDIES - If I
fail to keep any promise contained in this agreement or any agreement securing
this agreement, you may, make this agreement and the borrower’s debt
immediately due and payable, you may set-off this obligation against any right
I have to receive money from you (however, you may not set-off against any
accounts in which my rights are only as a fiduciary or my IRA or other
tax-deferred retirement account), you may use any remedy you have under state
or federal law, and you may use any remedy given to you by any agreement
securing this agreement. If I die, am declared incompetent, or become insolvent
(either because my liabilities exceed my assets or because I am unable to pay
my debts as they become due), you may make the debt immediately due and
payable.

COLLECTION
COSTS - Except when prohibited by law, I agree to pay the
reasonable costs and expenses you incur to enforce and collect this agreement,
including attorney’s fees and court costs.

SECURITY
- This guaranty is x
unsecured o secured by
____________________________________________________.

	
   

  NOTICE
  TO COSIGNER

        You are being asked to guarantee the
  debts described above. If you are making a “Present and Future Debt Guaranty”
  as identified above, you are being asked to guarantee present
  as well as future debts of the borrower
  entered into with this lender. Think carefully before you do. If the borrower
  doesn’t pay these debts, you will have to. Be sure you can afford to pay If
  you have to, and that you want to accept this responsibility.

        You may have to pay up to the full
  amount of these debts if the borrower does not pay. You may also have to pay
  late fees or collection costs, which increase this amount.

        The lender can collect these debts from
  you without first trying to collect from the borrower. The lender can use the
  same collection methods against you that can be used against the borrower,
  such as suing you, garnishing your wages, etc. If these debts are ever in
  default, that face may become part of your credit
  record.

  	
   

  	
  In witness
  whereof, I have signed my name and affixed my seal on this   1st
  day of            February,   
  2007           ,
  and, by doing so, agree to the terms of this guaranty and acknowledge having
  read the Notice to Cosigner.

  
	
   

  	
   

  
	
   

  	
      /s/ LUZ LOPEZ URRUTIA

  	
  (SEAL)

  
	
   

  	
      LUZ LOPEZ URRUTIA

  
	
   

  	
   

  
	
   

  	
  (SEAL)

  
	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  (SEAL)

  
	
   

  	
  JOSE GONZALEZ

  	
   

  
	
   

  	
  NOTARY PUBLIC

  	
   

  
	
   

  	
  GWINNETT COUNTY,
  GEORGIA

  MY COMMISSION EXPIRES AUGUST 13, 2007

  	
  (SEAL)

  
	
   

  	
   

  	
   

  
					

(page 1 of 1)

	
  

  	
  JAMES RICHARD CHAMBERS

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  BANUESTRA FINANCIAL CORPORATION

  	
   

  
	
   

  	
  1139 GOODWIN RD
  NE

  	
   

  	
   

  	
  THE PEOPLES BANK

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  P O DRAWER 788

  	
   

  	
   

  	
  623 HOLCOMB BRIDGE RD

  	
   

  
	
   

  	
  ATLANTA   GA 

  	
  30324

  	
   

  	
   

  	
  WINDER, GA. 30680

  	
   

  	
   

  	
  ROSWELL   GA 

  	
  30076 0000

  	
   

  
	
   

  	
  GUARANTOR’S NAME AND ADDRESS

  “I” includes each guarantor above, jointly and
  severally.

  	
   

  	
   

  	
  LENDER’S NAME AND
  ADDRESS 

  “You” means the Lender,
  Its successors and assigns.

  	
   

  	
   

  	
  BORROWER’S
  NAME AND ADDRESS

  “Borrower”
  means each person above.

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
											

 

GUARANTY

For good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
and to induce you, at your option, to make loans or engage in any other
transactions with borrower from time to time, I absolutely and unconditionally
guarantee the full payment of the following debts (as defined herein) when due
(whether at maturity or upon acceleration):

PresENT DEBT GUARANTY

o            I
absolutely and unconditionally guarantee to you the payment and performance of
the following described debt (including all renewals, extensions, refinancings
and modifications) of the borrower:                                                                                              .

PRESENT AND FUTURE DEBT GUARANTY

x          I absolutely and unconditionally guarantee to
you the payment and performance of each and every debt, of every type and
description, that the borrower may now or at any time in the future owe you
including, but not limited to, the following described debt(s):       NOTE
DATED 02/01/2007 NOT TO EXCEED   $500,000,00                    .

o            I
absolutely and unconditionally guarantee to you the payment and performance of
each and every debt, of every type and description, that the borrower may now
or at any time in the future owe you, up to the principal amount of $____________
plus accrued interest, attorneys’ fees and collection costs referable thereto
when permitted by law), and all other amounts agreed to be paid under all
agreements evidencing the debt and securing the payment of the debt. You may,
without notice, apply this guaranty to such debts of the borrower as you may
select from time to time.

DEFINITIONS -
As used in this agreement, the terms “I,” “ we,” and “my” mean all persons
signing this guaranty agreement, individually and jointly, and their hairs,
executors, administrators and assigns.

The term “debt” means all
debts, liabilities, and obligations of the borrower (including, but not limited
to, all amounts agreed to be paid under the terms of any notes or agreements
securing the payment of any debt, liability or obligation, overdrafts, letters
of credit, guaranties, advances for taxes, insurance, repairs and storage, and
all extensions, renewals, refinancings and modifications of these debts)
whether now existing or created or incurred in the future, due or to become
due, or absolute or contingent, except for any obligations incurred by borrower
after the date of this guaranty for which the borrower meets your standard or
creditworthiness based on the borrower’s own assets and income without the
addition of a guaranty, or to which, although you require the addition of a
guaranty, the borrower chooses someone other than me to guaranty the
obligation.

APPLICABLE LAW
- This agreement is governed by the law of the state in which you are located.
Any term of this agreement that does not comply with applicable law will not be
effective if that law does not expressly or impledly permit variations by
agreement. If any part of this agreement cannot be enforced according to its
terms, this fact will not affect the balance of this agreement.

REVOCATION - I
agree that this is an absolute and continuing guaranty. If this guaranty is
limited to the payment of a spacific debt of the borrower described above, this
agreement cannot be revoked and will remain in effect until the debt is paid in
full. If this guaranty covers both the borrower’s present and future debts, I
agree that this guaranty will remain binding on me, whether or not there are
any debts outstanding, until you have actually received written notice of my
revocation or written notice of my death or incompetence.

Notice of revocation or
notice of my death or incompetence will not affect my obligations under this
guaranty with respect to any debts incurred by or for which you have made a
commitment to borrower before you actually receive such notice, and all
renewals, extensions, refinancings, and modifications of such debts. I agree
that if any other person signing this agreement provides a notice of revocation
to you, I will still be obligated under this agreement until I provide a notice
of revocation to you. If any other person signing this agreement dies or is
declared incompetent, such fact will not affect my obligations under this
agreement.

OBLIGATIONS INDEPENDENT
- I agree that I am obligated to pay according to the terms of this guaranty
even if any other person has agreed to pay the borrower’s debt. My obligation
to pay according to the terms of this guaranty shall not be affected by the
illegality, invalidity or unenforceability of any notes or agreements avidencing
the debt, the violation of any applicable usury laws, forgery, or any other
circumstances which make the indebtedness unanforceable against the borrower.

I will remain obligated
to pay on this guaranty even if any other person, who is obligated to pay the
borrower’s debt, including the borrower, has such obligation discharged in
bankruptcy, foreclosure, or otherwise discharged by law. In such situations, my
obligation shall include post-bankruptcy petition interest and attorneys’ fees
and any other amounts which borrower is discharged from paying or which do not
otherwise accrue to borrower’s indebtedness due to borrower’s discharge. I will
also be obligated to pay you, to the fullest extent permitted by law, any deficiency
remaining after foreclosure of any mortgage or security interest securing
borrower’s debt whether or not liability of borrower or any other obligor for
such deficiency is discharged by statute or judicial decision. If any payments
by borrower to you are thereafter set aside, recovered, rescinded, in whole or
in part, are settled by you at your discretion, or are in any way recouped or
recovered from you for any reason (including, without limitation, the
bankruptcy, insolvency, or reorganization of borrower or any other obligor),
then I am obligated to reimburse or indemnify you for the full amount you so
pay together with costs, Interest, attorneys’ fees and all other expenses which
you incur in connection therewith. I also agree that if my liability is limited
to a stated principal amount, (plus other agreed charges), you may allow the
borrower to incur debt in excess of the specified amount and apply to the
payment of such excess any amounts you receive for payment of the debt from the
borrower or any other person, any amounts resulting from any collateral, or
amounts received from any other source, without affecting my obligations under
this agreement.

No modification of this
agreement is effective unless in writing and signed by you and me, except that
you may, without notice to me and without the addition of a signed writing or
my approval; (1) release any borrower or other person who may be liable for
borrower’s debt, (2) release or substitute any collateral, (3) fail to perfect
any security Interest or otherwise impair any collateral, (4) waive or impair
any right you may have against any borrower or other persons who may be liable
for borrowers debt, (5) settle or compromise any claim against the borrower or
any persons who may be liable for the borrower’s debt, (6) procure any
additional security or persons who agree to be liable for borrower’s debt, (7)
delay or fail to pursue enforcement of the debt, (8) apply amounts you receive
from the borrower or other persons to payment of the debt in any order you
select, (9) make any election with respect to the debt provided by law or any
agreement with any person liable for the debt, (10) exercise or fail to
exercise any rights you have with respect to the debt, (11) extend new credit
to the borrower, or (12) renew, extend, refinance or modify the borrower’s debt
on any terms agreed to by you and the borrower (including, but not limited to,
changes in the Interest rate or in the method, time, place or amount of
payment) without affecting my obligation to pay under this guaranty.

WAIVER
- I waive presentment, demand, protest, notice of dishonor, and notice of
acceptance of this guaranty. I also waive, to the extent permitted by law, all
notices, all defenses and claims that the borrower could assert, any right to
require you to pursue any remedy or seek payment from any other person before
seeking payment under this agreement, and all other defenses to the debt,
except payment in full. You may without notice to me and without my consent,
enter into agreements with the borrower from time to time for purposes of
creating or continuing the borrower’s debt as allowed by this guaranty. I agree
that I will be liable, to the fullest extent permitted by applicable law, for
any deficiency remaining after foreclosure (or repossession) and sale of any
collateral without 

regard
to whether borrower’s obligation to pay such deficiency is discharged by law.
If any payments on the debt are set aside, recovered or required to be returned
in the event of the insolvency, bankruptcy or reorganization of the borrower,
my obligations under this agreement will continue as if such payments ad never
been made.

I also waive and
relinquish all present and future claims, rights, and remedies against borrower
or any other obligated party arising out of the creation or my performance of
this guaranty. My waiver includes, but is not limited to, the right of
contribution, reimbursement, indemnification, subrogation, exoneration, and any
right to participate in any claim or remedy you may have against the borrower,
collateral, or other party obligated for borrower’s debt, whether or not not
such claim, remedy, or right arises in equity, or under contract, statute or
common law.

REMEDIES - If I
fail to keep any promise contained in this agreement or any agreement securing
this agreement, you may, make this agreement and the borrower’s debt
immediately due and payable, you may set-off this obligation against any right
I have to receive money from you (however, you may not set-off against any accounts
in which my rights are only as a fiduciary or my IRA or other  tax-deferred retirement account), you may use
any remedy you have under state or federal law, and you may use any remedy
given to you by any agreement securing this agreement. If I die, am declared
incompetent, or become insolvent (either because my liabilities exceed my
assets or because I am unable to pay my debts as they become due), you may make
the debt immediately due and payable.

COLLECTION
COSTS - Except when prohibited by law, I agree to pay the
reasonable costs and expenses you incur to enforce and collect this agreement,
Including attorneys’ fees and court costs.

	
  SECURITY - This guaranty is x  unsecured
  o  secured
  by

  	
   

  

 

	
  NOTICE OF CONSIGNER

  You are being
  asked to guarantee the debts described above. If you are making a “Present
  and Future Debt Guaranty” as identified above, you are being asked to
  guarantee present as well as future debts of the borrower entered into with this lender.
  Think carefully before you do. If the borrower doesn’t pay these debts, you
  will have to. Be sure you can afford to pay if you have to, and that you want
  to accept this responsibility.

  You may have to
  pay up to the full amount of these debts if the borrower does not pay. You
  may also have to pay late fees or collection costs, which increase this
  amount.

  The lender can
  collect these debts form you without first trying to collect from the
  borrower. The lender can use the same collection methods against you that can
  be used against the borrower, such as suing you, garnishing your wages, etc.
  If these debts are ever in default, that fact may become part of your credit record.

  	
   

  	
  In witness whereof, I
  have signed my name and affixed my seal on this     1st   
  day of    February, 2007   , and, by
  going so, agree to the terms of this guaranty and acknowledge having read the
  Notice to Consigner.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  /s/ JAMES RICHARD CHAMBERS

  	
   

  
	
   

  	
  JAMES RICHARD
  CHAMBERS

  	
  (SEAL)

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  (SEAL)

  
	
   

  	
   

  	
   

  
	
   

  	
  JOSE GONZALEZ 

  	
   

  
	
   

  	
  NOTARY PUBLIC

  	
   

  
	
   

  	
  GWINNETT COUNTY,
  GEORGIA

  	
   

  
	
   

  	
  MY COMMISSION
  EXPRESS AUGUST 13, 2007

  	
  (SEAL)

  

 

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