0000950116-02-000273 Sample Contracts

EXHIBIT 10.15 [LOGO]
Letter Agreement • February 22nd, 2002 • Empire Financial Holding Co • Security brokers, dealers & flotation companies

This letter agreement (this "Letter Agreement") sets forth the agreement between Empire Financial Holding Company ("Empire Financial") and Centennial Capital Management, Inc. (the "Company") regarding the payment of the purchase price for the assets of the Company purchased by Empire Financial pursuant to the terms of that certain Asset Purchase Agreement, dated as of July 11, 2001, by and among Empire Financial Group, Inc., the Company, and Centennial Capital Holdings, Inc. (the "Agreement"). The rights and obligations of Empire Financial Group, Inc. under the Agreement were transferred to Empire Financial pursuant to the terms of that certain Assumption Agreement dated as of July 20, 2001.

EXHIBIT 10.14 ASSET PURCHASE AGREEMENT
Asset Purchase Agreement • February 22nd, 2002 • Empire Financial Holding Co • Security brokers, dealers & flotation companies • Florida