Document:

REAL ESTATE SALE CONTRACT

                       THIS IS A LEGALLY BINDING CONTRACT.

1. PARTIES: This Contract is made by and between Donald D. Bass and Don W. Bass
(Buyer) and Freedom Financial Group, Inc. (Seller), and is effective as of the
date and time of final acceptance (the "Effective Date").

2. PROPERTY: For the consideration hereinafter set forth, Buyer agrees to
purchase and Seller agrees to sell the real property commonly known as FR 221
Fair Grove, MO (address) located in Greene County, State of Missouri, (check
applicable provisions)

         |X| See attached Legal Description; or    |X| Legal Description:

together with all attached improvements and fixtures located on the property,
and the following items included in the sale [NONE] but excluding the following
items which are not being sold: 2550.00 per acre 65/3 m/l; all of which is,
except exclusions, the "Property" in this Contract.

3. PRICE: The sale price to be paid by Buyer to Seller, excluding costs as
hereinafter provided is One Hundred Sixty-Six Thousand Five Hundred Fifteen and
No/100 Dollars ($166,515.00) which Buyer agrees to pay as follows:

|X| Earnest Money from Buyer in the form of |_| Cash |X| Check to be deposited
or held pursuant to paragraph 4 hereof, upon contract acceptance, in the amount
of: $16,651.50

|X| Buyer's payment of balance of sale price in cash or certified funds, which
includes if any, at closing in the amount of: $149,863.50 (Amount to be adjusted
at closing to reflect loan fees, title company fees, prorations, closing costs
and other similar fees and expenses.)

4. EARNEST MONEY: Earnest Money is to be deposited by selling broker with
Preferred Title within 10 banking days after the Contract is signed by all
parties, to be applied to sale price at closing, to liquidated damages on
default of Buyer, or disbursed as otherwise provided in this Contract. Escrow
Agent may deposit in an account insured by the FDIC with interest paid to Escrow
Agent. The parties agree that in the event of a dispute over any Earnest Money
being held, Escrow Agent shall continue to hold said deposit in its escrow
account until Escrow Agent has a written release from all parties consenting to
its disposition or until a civil action is filed to determine its disposition.
at which time payment may be made into the court, and any attorney's fees, court
costs and other legal expenses incurred by Escrow Agent in connection with such
dispute shall be reimbursed from the Earnest Money funds deposited with Escrow
Agent. If this Contract is canceled pursuant to its terms or if the Earnest
Money is to be forfeited, collected, or refunded, the parties agree that the
amount distributed shall be reduced by any unpaid charges incurred by listing
broker, selling broker or Escrow Agent on behalf of the party receiving the
funds, and further reduced by any additional amounts due to selling broker and
listing broker as hereinafter provided.

<PAGE>

5. NOTE: If Seller produces a clear title, earnest money is non-refundable.

6. ADDITIONAL TERMS AND CONDITIONS: Property sold as is, where is. without any
representation expressed or implied.

7. CLOSING AND POSSESSION: The "Closing" is the delivery of the Seller's
warranty deed for the purchase price paid by Buyer after all documents have been
signed and shall be on or before 7/4/03 (the "Closing Date"), unless otherwise
agreed to in writing.

Possession of the Property and keys to be delivered to Buyer no later than time
of closing 5:00 p.m. on 7/4/03.

8. VERIFICATION OF CONDITION: Buyer shall have the right to make a final
inspection of the Property prior to closing, not as a contingency of the sale,
but solely to confirm that the Property is otherwise in substantially the same
condition, subject to normal wear and tear, as on the date of the offer, unless
otherwise agreed in writing.

9. REMEDIES UPON DEFAULT: Seller or Buyer shall be in default under this
Contract if either fails to comply with any material provision within the time
limits required by this Contract. If either party defaults, the party claiming a
default shall notify the other party in writing of the nature of the default and
terminate this Contract or extend the time for performance by a written document
signed by all parties. The notifying party may, but is not required to. provide
the defaulting party with a deadline for curing the default. The failure to
assert a default shall not constitute a waiver of the right to assert a default
of the same or any other provision of this Contract. If this Contract shall not
be closed for the fault of Buyer, then 10% of the total sale price shall be paid
by Buyer to Seller as liquidated damages, it being agreed that actual damages
are difficult, if not impossible, to ascertain. Any liquidated damages paid to
Seller after costs of collection shall be divided equally between Seller and
Listing Broker.

10. DISPUTES: All disputes shall be settled by binding arbitration.

11. SELLER'S DISCLOSURE STATEMENT: Buyer acknowledges and agrees that the
Property is being sold in its existing condition, and that neither the Seller
nor any person acting on behalf of the Seller have made any representations or
warranties, written or oral, respecting the condition of the Property, upon
which Buyer is relying in purchasing the Property, other than as contained in
this Contract.

12. CLOSING PROCEDURES: Necessary title information shall be ordered by Seller
within ten (10) days of the Effective Date and promptly delivered to Buyer.
Seller shall provide at Seller's expense a commitment to insure title in the
amount of the purchase price from a company authorized to insure titles in the
State of Missouri, showing merchantable title in Seller in accordance with the
Title Examination Standards of the Missouri Bar, subject to encumbrances as
provided herein, standard residential subdivision restrictions, covenants,

<PAGE>

declarations, setback lines, easements and zoning laws of record as of the
Effective Date, and the lien of current year's taxes. Buyer may, at Buyer's
expense, obtain a survey (and shall obtain a survey if required by a lender or
title company). Buyer shall pay the premium for title policy. Buyer may, at
Buyers expense, have the title commitment examined, and if applicable, Buyer
shall provide to Seller in writing any valid objections to title and survey
prior to the Closing Date, and Seller shall make reasonable effort to correct
the valid objections, and if not corrected, Buyer may waive the objections and
close, or elect to terminate the Contract, and if not disputed, receive the
Earnest Money less any expenses incurred on Buyer's behalf. At Closing, Seller
shall deliver a warranty deed and all other documents and funds reasonably
necessary to complete the Closing. If a closing fee is charged, the cost will be
shared by Seller and Buyer, unless otherwise provided. Recording fees shall be
paid by the party for whom the fee is attributable. Escrow closing agent to be
acceptable to Broker. Seller will warrant at Closing there are no unpaid bills
for improvements within 12 months prior to Closing and that Seller has no
knowledge of proposed improvements to be paid for by special assessment or fee.

13. PRORATION: Taxes, insurance, interest, rentals, and association dues, if
applicable, shall be prorated to Closing Date. If the current' year's taxes
cannot be determined, proration will be based on the preceding year's taxes with
adjustments for known changes' in assessed valuation or tax levies.

14. LOSS: In the event of material loss from fire or other casualty prior to
Closing, Buyer may elect to accept the insurance proceeds, if any, and close or
to terminate this Contract and have the Earnest Money deposit returned, less any
expenses incurred on Buyer's behalf.

15. BINDING EFFECT; APPLICABLE LAW: This Contract shall be binding on and/for
the benefit of the parties and their respective heirs, personal representatives,
executors, administrators, or assigns, and shall be construed and enforced in
accordance with the internal laws of the State of Missouri.

16. ENTIRE AGREEMENT: This Contract and all attachments hereto constitute the
entire agreement between the parties and there are no representations,
warranties, or understandings, written or oral, except as set forth herein,
relating to the subject matter of this Contract. which supersedes all prior
agreements, and this Contract may not be changed, modified or amended, in whole
or in part, except by a written document signed by all the parties.

17. TIME IS OF THE ESSENCE: Time is of the essence in the performance of each
provision of this Contract by the parties. All references to a specific time
shall mean Central Time. All references to periods of days shall mean calendar
days, unless otherwise provided.

18. NOTICES: Any notice required or permitted shall be in writing and may be
delivered in person or sent by telefax or certified mail, postage prepaid, to
the address or number set forth in this Contract or such other address or number
specified by a party in writing. Notice shall be deemed made at the date and
time of personal delivery, receipt of telefax or mailing. Receipt of notice by
an agent of a party shall be deemed receipt by the party.

<PAGE>

19. EXECUTION: The execution and delivery of facsimile transmissions of this
Contract shall constitute legal and binding obligations of the parties.

20. All parties agree to hold Thompson Auction & Realty LLC and its agents
harmless and blameless from any legal action. Thompson Auction acts as agents
for the Seller only.

To be signed by Seller only if Seller accepts the offer:

<TABLE>
<CAPTION>
<S>                                                           <C>
Signed on 6/4/03 at 12:16 p.m.                                Signed on 6/4/03 at 12:16 p.m.
Seller: Freedom Financial Group, Inc.                         Buyer:  /s/ Don W. Bass
Address: 3042 E. Elm Springfield MO                           Address: 32 Hacksaw Trail,
                                                                         Fair Grove, MO  65648
S.S.# or Tax I.D.#                                            S.S.# or Tax I.D.#
                  -----------------------------------                           --------------------------
Seller:  /s/ Jerald L. Fenstermaker, President                Buyer:  /s/ Donald D. Bass
         --------------------------------------------
Address                                                       Address:  43 Arrowhead Trail
        ---------------------------------------------                      Buffalo  65622
                                                                           759-7252
S.S.# or Tax I.D.#                                            S.S.# or Tax I.D.#
                  --------------------------                                    --------------------------

Listing Broker:  Thompson Auction & Realty, L.L.C.            Selling Broker:  Same as Listing
Address:  P.O. Box 208, Rogersville, MO  65742                Address:  Same as Listing
Telephone:  417-753-3330 Telefax: same                        Telephone:  Same as Listing
Listing Agent: Kevin Thompson                                 Selling Agent:  Same as Listing
</TABLE>C. Taylor Ashworth, No. 010143
Alisa C. Lacey, No. 010571
Alan A. Meda, No. 009213
OSBORN MALEDON, P.A.
2929 N. Central, Suite 2100
Phoenix, AZ 85012
Ph. (602) 640-9000
Fax (602)640-6047
E-mail: bkecf@omlaw.com

Attorneys for Chapter 11 Trustee, Vernon Schweigert

                      IN THE UNITED STATES BANKRUPTCY COURT
                           FOR THE DISTRICT OF ARIZONA

In Re:                              )        In Proceedings Under Chapter 11
                                    )
STEVENS FINANCIAL GROUP, INC.       )        Case No. 01-3105-ECF-RTB
                                    )
                    Debtor.         )
                                    )
                                    )        APPLICATION FOR EMPLOYMENT
                                    )        OF BILTMORE ASSOCIATES AS
                                    )        CONSULTANT

      Vernon Schweigert,  Chapter 11 Trustee in the  above-captioned  Chapter 11
case ("Trustee"),  by and through his undersigned  attorneys,  hereby files this
Application pursuant to 11 U.S.C.  ss.327(a) and ss.503 and Rule 2014 of Federal
Rules of  Bankruptcy  Procedure,  to  approve  employment  and  compensation  of
Biltmore Associates ("Biltmore"), to provide the Trustee with limited accounting
services,   preparation  of  Monthly  Operating  Reports,   and  overseeing  the
preparation  of accounting  records,  monthly  accounting  reports and financial
analysis deemed necessary and appropriate.

      The grounds for this Application are stated in the attached memorandum.

<PAGE>

DATED this 11th day of June, 2001.
                                       OSBORN MALEDON, P.A.

                                       By: /s/C. Taylor Ashworth
                                          --------------------------------------
                                              C. Taylor Ashworth
                                              Alan A. Meda
                                              2929 North Central Avenue
                                              Post Office Box 36379
                                              Phoenix, Arizona 85067-6379
                                              Attorneys for Vern Schweigert,
                                                Trustee

<PAGE>

                                   MEMORANDUM

      On March 19, 2001, Debtor initiated this Chapter 11 proceeding. On May 14,
2001, Vernon Schweigert was appointed as Trustee of this Chapter 11 proceeding.

      Trustee files this  application to insure the  availability of experienced
accounting  and  record  maintenance  during  the  pendency  of this  Chapter 11
proceeding.

      1. The accounting procedures of the Debtor is deficient in normal controls
and checks-and balances. As a result, the books and records of the Debtor is not
a fully accurate reflection of the financial status of Debtor.

      2. Trustee requires the assistance and services of professionals qualified
to extract  information from company records and restructure  accounting systems
to reflect current financial condition of the bankruptcy estate.

      3.  Trustee  wishes to employ  Biltmore  Associates  on terms set forth as
follows:

      Personnel Furnished. Biltmore Associates will furnish Trustee the services
of the  following  persons  to manage  the  affairs of the Debtor and to provide
designated consulting services for the Trustee:

                               Robert Bunker $150

                               Heather Litton $150

      Qualification  of Team.  Trustee  believes the  foregoing  personnel to be
especially qualified to perform the desired tasks.  Biltmore's staff has managed
numerous   troubled   businesses,   in  and  out  of  bankruptcy,   and  have  a
well-established  reputation  for  independence  and  integrity.  The particular
shortcomings  facing the Debtor's  business are well-known to Biltmore's  staff,
all of whom have  extensive  experience  extracting  information  from deficient
record systems and restructuring accounting procedures on a crash course basis.

      Disinterestedness. To the best of Trustee's knowledge, and except as noted
below,  Biltmore has no connections with Debtor, the creditors of Debtor, or any
other party in interest,  or any of their  respective  attorneys or accountants,
the United States  Trustee,  or any person  employed in the office of the United
States Trustee,  and holds no interest adverse to Debtor's estate.  Biltmore has
been  retained by various  parties in the past who  simultaneously  retained the
services  of  Osborn  Maledon,  and has been  represented  in the past by Osborn
Maledon in matters unrelated to this case.

<PAGE>

      Compensation.  Biltmore Associates will make periodic  applications to the
Court seeking approval of its fees and costs. Biltmore Associates has not shared
or agreed to share with any other entities the compensation  due it.

      WHEREFORE,  Trustee  requests the Court to grant this  Application  and to
approve the employment of Biltmore  Associates and the  compensation of Biltmore
on the terms set forth herein.

      RESPECTFULLY SUBMITTED this 11th day of June, 2001.

                                       OSBORN MALEDON, P.A.

                                       By: /s/C. Taylor Ashworth
                                          --------------------------------------
                                              C. Taylor Ashworth
                                              Alan A. Meda
                                              2929 North Central Avenue
                                              Post Office Box 36379
                                              Phoenix, Arizona 85067-6379

                                              Attorneys for Vern Schweigert,
                                                Trustee

Copies of the foregoing mailed
this 11th day of June, 2001, to:

Office of the U.S. Trustee
2929 North Central Avenue
Suite 700
Phoenix, AZ 85012

/s/ Lauri F. Andrisani
----------------------

<PAGE>

                      IN THE UNITED STATES BANKRUPTCY COURT
                           FOR THE DISTRICT OF ARIZONA

In Re:                              )        In Proceedings Under Chapter 11
                                    )
STEVENS FINANCIAL GROUP, INC.       )        Case No. 01-3105-ECF-RTB
                                    )
                    Debtor.         )
                                    )
                                    )        ORDER APPROVING
                                    )        EMPLOYMENT OF BILTMORE
                                    )        ASSOCIATES AS CONSULTANT

      This  matter  having come before the Court in  Trustee's  Application  for
Employment of Biltmore Associates As Consultant,  having reviewed the matter and
good cause appear therefor,

      IT IS HEREBY ORDERED as follows:

      1. Trustee is authorized to employ Biltmore Associates under the terms and
conditions set forth in Trustee's Application as though fully set forth herein;

      2. No payments shall be made without  application to and Bankruptcy  Court
approval. DATED this 19th day of June, 2001.

                                           /s/Redfield Baum
                                           -------------------------------------
                                              The Honorable Redfield T. Baum
                                              United States Bankruptcy Judge

Prepared by:
C. Taylor Ashworth, No. 010143
Alan A. Meda, No. 009213
OSBORN MALEDON, P.A.
2929 N. Central, Suite 2100
Phoenix, AZ  85012
(602) 640-9000/Fax (602) 640-6047
E-mail:  bkecf@omlaw.com
Attorneys for Chapter 11 Trustee, Vernon Schweigert

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