0000950109-00-003653 Sample Contracts

COMMON STOCK
Empire Financial Holding Co • August 24th, 2000 • Security brokers, dealers & flotation companies • North Carolina
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Agreement ---------
Employment Agreement • August 24th, 2000 • Empire Financial Holding Co • Security brokers, dealers & flotation companies • Florida
WARRANT
Empire Financial Holding Co • August 24th, 2000 • Security brokers, dealers & flotation companies • North Carolina
EXHIBIT 10.12 Form of Letter Agreement
Empire Financial Holding Co • August 24th, 2000 • Security brokers, dealers & flotation companies

This letter confirms our agreement to purchase your retail brokerage account relationships for $200,000 and to pay you a fee equal to one percent of the net proceeds of our initial public offering in consideration of your efforts in making introductions to investment banking firms in connection with such offering and your assistance in developing our private label business.

WITNESSETH:
Brokerage Credit Agreement • August 24th, 2000 • Empire Financial Holding Co • Security brokers, dealers & flotation companies • Missouri
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