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                                                                  EXHIBIT 10.102

                   (THIS AGREEMENT IS SUBJECT TO ARBITRATION)
                       ADMINISTRATIVE SERVICES AGREEMENT

      THIS AGREEMENT, effective January 1, 2005, is by and between The MEGA Life
and Health Insurance Company, an Oklahoma domiciled life and health insurance
company ("MEGA"), and NMC Holdings, Inc., a Nevada corporation and all
subsidiaries listed on EXHIBIT A ("NMC") (hereinafter collectively referred to
as the "Parties").

      WHEREAS, pursuant to a prior Administrative Services Agreement, MEGA is
providing insurance products to NMC; and

      WHEREAS, the Parties wish to enter into this Agreement to redefine and
expand the terms of their various duties and operations;

      NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements hereinafter set forth and for other good and valuable consideration,
the receipt and sufficiency of which is acknowledge by the Parties hereto, MEGA
and NMC do mutually agree as follows:

      1. TERM. The term (the "Term") of this Agreement shall commence on the
date hereof and shall continue through December 31, 2007.

      2. COVERAGES. This Agreement relates to insurance policies, insurance
certificates or blanket coverages for NMC's auto club members (the "Members") as
well as insurance policies, insurance certificates or blanket coverages to be
issued in the future under this Agreement. MEGA hereby agrees to issue life,
accident and health insurance policies, certificates or blanket coverages to NMC
for the benefit of NMC's Members in all states set forth on EXHIBIT B attached
hereto pursuant to memberships issued by NMC from time to time during the term
of this Agreement.

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      3. PREMIUM RATES. The premium rates for MEGA insurance policies, insurance
certificates or blanket coverages will be in accordance with the experience on
these insurance products and commencing January 1, 2005 shall be in accordance
with EXHIBIT C. These premiums may be adjusted as provided in Section 19. The
amount of premiums payable by NMC with respect to each Member shall be based
upon the applicable premium rate for the applicable plan at the time the
membership dues payment or installment is received by NMC.

      4. RIGHT TO OFFSET. MEGA is hereby authorized, to the extent permitted by
law, without notice and without any judicial action, to credit and offset any
and all amounts payable by MEGA to NMC (excluding amounts payable to members
insured by MEGA) towards the reduction of any debt or claim due to MEGA from
NMC. NMC is hereby authorized, to the extent permitted by law, without notice
and without any judicial action, to credit and offset any and all amounts
payable by NMC to MEGA (excluding amounts payable to members insured by MEGA)
towards the reduction of any debt or claim due to NMC from MEGA.

      5. BUSINESS PROCEDURES. The procedure to be followed by NMC and MEGA with
respect to the handling of such business shall be as follows:

      (a)   A monthly report in a form mutually agreed upon by MEGA and NMC will
            be filed by NMC with MEGA for each calendar month on or before the
            fifteenth day of the next month listing new memberships issued by
            NMC during the immediately preceding month and the portions of the
            dues that are payable to MEGA based on the new memberships less the
            amount of the premium portion of any membership dues refunded by NMC
            upon cancellation of any NMC memberships.

      (b)   Within two (2) business days after NMC is notified of a claim, NMC
            will furnish the

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            claim form to the Member for completion.

      (c)   MEGA is responsible for the processing and adjudication of the
            insurance claims submitted by members of NMC under the insurance
            policies issued by MEGA to NMC. NMC hereby agrees that MEGA shall
            have complete authority and responsibility for the adjudication of
            the claims under such policies. NMC further agrees that MEGA's
            claims decisions shall be final.

      (d)   NMC shall handle all correspondence of a routine nature and other
            general clerical and administrative functions necessary for
            satisfactory general administration of the various policies and
            service to the various members, and shall maintain files relating
            thereto.

      (e)   All payments made by NMC to MEGA shall be accompanied by a report in
            a form mutually agreed upon by MEGA and NMC showing the calculation
            of the amount due. All claims covered by the insurance shall be paid
            by number and name only.

      6. ADMINISTRATIVE DUTIES OF NMC. In consideration of the lower premium
costs to NMC for the insurance provided by MEGA under this Agreement, except as
otherwise provided in this Agreement, NMC agrees to perform all of the
administrative duties of NMC set forth in this Agreement at no expense to MEGA.
If MEGA desires NMC to perform administrative duties in addition to those set
forth in this Agreement, the scope of such additional administrative duties and
the administrative expenses thereof shall be as mutually agreed to by the
Parties. If NMC desires MEGA to perform administrative duties in addition to
those set forth in this Agreement, the scope of such additional administrative
duties and the administrative expenses thereof shall be as mutually agreed to in
writing by the Parties.

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      7. REPORTS AND INFORMATION.

      (a)   NMC REPORTS AND INFORMATION.

            i.    NMC shall provide MEGA with all such reports and other
                  information as MEGA shall reasonably request in writing,
                  including but not limited to, monthly dues reports, including
                  allocations of collections by state, parish, county,
                  municipality, or any other allocation required by law or
                  regulation.

            ii.   NMC also agrees that in all states identified by MEGA to NMC
                  in writing where it is required to do so, NMC will advise
                  insureds by written notice approved by MEGA of the identity of
                  and relationship among NMC and MEGA.

      (b)   MEGA REPORTS. MEGA will issue quarterly reports on the status of
            claims, reserves, fees, and balances in a mutually agreed format due
            by the end of the month following the calendar quarter.

      8. ADVERTISEMENTS. Should NMC desire to use any printed brochures,
advertising or other promotional material relating to MEGA's insurance coverage,
NMC shall, prior to distributing such material, submit them to MEGA and obtain
MEGA's prior written approval thereof. MEGA agrees to promptly review such
material and notify NMC of its denial or approval thereof. All costs of
printing, mailing and distribution of such material shall be borne by NMC.

      9. NEW PRODUCTS. NMC also agrees to reimburse MEGA for any approved
expenses incurred by MEGA as a result of filing new insurance products or
revising existing insurance products or for work done by MEGA at the request of
NMC that is not otherwise provided for under the terms of this Agreement. If
MEGA is requested by NMC to file new insurance products or

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revise existing insurance products or perform work that is not otherwise
provided for under this Agreement, then MEGA agrees to prepare a budget of
estimated expenses for such filings or work. If NMC shall approve such budget,
then MEGA shall make such filings or perform such services and NMC agrees to
reimburse MEGA's expenses up to the amount contained in the budget, with
reimbursement of any additional expenses of MEGA requiring NMC's prior approval.
MEGA will bill NMC for any such approved reasonable expenses and NMC will
reimburse MEGA within fifteen (15) days of the receipt of the bill.

      10. INSURANCE DEPARTMENT COMPLAINTS.

      (A)   RECEIVED BY NMC. NMC shall within two (2) business days of its
            receipt forward to MEGA all Insurance Department complaints,
            inquiries and lawsuits received by it relating to insurance
            coverages issued under this Agreement, and in addition upon request
            shall provide all information from its records which will assist
            MEGA in its response to any such complaints, inquiries or lawsuits.

      (b)   RECEIVED BY MEGA. MEGA shall within two (2) business days of its
            receipt forward to NMC copies of all Insurance Department
            complaints, inquiries and lawsuits received directly by MEGA
            relating to insurance coverages issued under this Agreement.

      11. LAWS AND REGULATIONS. NMC and MEGA shall comply with all applicable
federal and state laws and regulations of any federal or state regulatory agency
having jurisdiction over their respective businesses which in the case of NMC
shall include, but not be limited to, the solicitation of its motor club
memberships including, by way of illustration and not limitation, the licensing
of all persons engaged and authorized to carry out such solicitation, if so
required by a state.

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      12. RECORD KEEPING OF MEGA. During the Term of this Agreement and for a
period of five (5) years after the termination of this Agreement, MEGA shall
keep copies of all bank account records pertaining to insurance coverage issued
pursuant to this Agreement, and shall furnish NMC upon demand at NMC's expense
with copies of the records, which pertain to the Members.

      13. BOOKS AND RECORDS OF NMC. NMC also agrees to adhere to the following:

      (a)   The books and records pertaining to the insurance policies,
            certificates and coverages provided by MEGA shall be maintained in
            accordance with prudent standards of insurance record-keeping and
            applicable laws and regulations.

      (b)   Such books and records (paper or electronic whichever is
            appropriate) shall be the property of NMC and must be maintained for
            the term of this Agreement and for the five (5) year period
            following the end of this Agreement's term.

      (c)   All information contained in said books and records shall remain
            confidential. Government agencies regulating insurance shall have
            access to the books and records for the purposes of examination,
            audit and inspection.

      (d)   All such records shall be made available to MEGA during normal
            business hours for review, inspection, examination and reproduction
            at the cost of MEGA.

      (e)   Upon the termination of this Agreement, NMC will, if requested by
            MEGA and at MEGA's expense, deliver copies of such records to MEGA
            and give written notice to any regulatory authority identified by
            MEGA of the location of the books and records.

      (f)   MEGA and NMC mutually agree to audits if requested at their own
            expense of the records.

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      14. RECORDS INSPECTION. During the term of this Agreement and for a period
of five (5) years after the termination of this Agreement, the records of NMC
and MEGA relating to policies issued under this Agreement shall be open to
inspection during regular business hours by representative of the other Party to
enable such Party to fulfill its contractual obligations and to regulatory
agencies as required by applicable laws and regulations.

      15. CONFIDENTIALITY. Each of the Parties recognizes that in the course of
exercising its rights and performing its obligations under this Agreement it
will come into possession of confidential or proprietary information of the
other Party or of customers of the other Party ("Confidential Information").
Each Party agrees that it will not disclose to anyone not a Party to this
Agreement any Confidential Information of the other Party or its customers and
will not use any such Confidential Information except to the extent necessary to
carry out its obligations hereunder. Further, the Parties agree that the names
and addresses of Members together with the expiration date of their membership
with NMC are the property of NMC and confidential trade secrets of NMC. MEGA
covenants and agrees that both during the term of, and at all times after the
termination of this Agreement, MEGA will not, whether for its own account or for
the account of any other person, firm, corporation or business organization,
interfere with the NMC's relationship with, or solicit business from, or provide
or sell the name of any Member. MEGA agrees not to disclose to any person or use
any information provided by NMC under this Agreement (including, without
limitation, the names and addresses of Members), except as is necessary in
connection with providing the insurance coverages contemplated by this Agreement
and complying with applicable laws and regulations. Each Party agrees to comply
with the confidentiality requirements imposed on it by state and Federal law,
including, but not limited to, the Health Insurance Portability and

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Accountability Act of 1996 ("HIPPA"). Confidential Information does not include
information which (i) is or becomes generally available to the public other than
pursuant to a violation of this Agreement, (ii) was available to the Parties on
a non-confidential basis prior to its disclosure by the other Party or its
customer to such Party or (iii) became available to a Party on a
non-confidential basis from a third party who was not bound by a confidentiality
agreement with respect to such information.

      16. REPRESENTATIONS AND WARRANTIES.

      (a)   MEGA hereby represents and warrants to NMC as follows:

            i.    MEGA is a corporation duly organized, validly existing and in
                  good standing under the laws of the State of Oklahoma and has
                  all necessary corporate power and authority to enter into this
                  Agreement and to consummate the transactions contemplated
                  hereby and to perform its obligations hereunder.

            ii.   All corporate and other actions or proceedings required to be
                  taken by or on the part of MEGA to authorize and permit the
                  execution and delivery by it of this Agreement, the
                  performance by it of its obligations hereunder, and the
                  consummation by it of the transactions contemplated herein and
                  therein, have been duly and properly taken.

            iii.  This Agreement constitutes the legal, valid and binding
                  obligation of MEGA, enforceable against it in accordance with
                  its terms, except as such enforceability may be limited by
                  applicable bankruptcy, insolvency, moratorium, reorganization
                  or similar laws in effect which affect the enforcement of
                  creditors' rights generally and by equitable limitations on
                  the

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                  availability of specific remedies.

            iv.   MEGA is duly licensed and has authority to issue in the states
                  listed on EXHIBIT B and to issue insurance products listed on
                  EXHIBIT C and MEGA will obtain and retain all licenses
                  necessary to conduct MEGA's business during the Term hereof,
                  if any.

            v.    No authorization, approval, or consent of, and no filing or
                  registration with, any governmental authority or third party
                  is or will be necessary for the execution, delivery of this
                  Agreement, or performance by MEGA or for the validity or
                  enforceability thereof, except for such approvals or consents
                  which have been obtained or made.

      (b)   NMC hereby represents and warrants to MEGA as follows:

            i.    NMC is a Nevada corporation duly organized, validly existing
                  and in good standing and has all necessary corporate power and
                  authority to enter into this Agreement and to consummate the
                  transactions contemplated hereby and to perform its
                  obligations hereunder.

            ii.   All corporate and other actions or proceedings required to be
                  taken by or on the part of NMC to authorize and permit the
                  execution and delivery by it of this Agreement, the
                  performance by it of its respective obligations hereunder, and
                  the consummation by it of the transactions contemplated herein
                  and therein, have been duly and properly taken.

            iii.  This Agreement constitutes the legal, valid and binding
                  obligation of NMC, enforceable against it in accordance with
                  its terms, except as such

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                  enforceability may be limited by applicable bankruptcy,
                  insolvency, moratorium, reorganization or similar laws in
                  effect which affect the enforcement of creditors' rights
                  generally and by equitable limitations on the availability of
                  specific remedies.

            iv.   No authorization, license, approval, or consent of, and no
                  filing or registration with, any governmental authority or
                  third party is or will be necessary for the execution,
                  delivery of this Agreement, or performance by NMC or for the
                  validity or enforceability thereof, except for such approvals
                  or consents which have been obtained or made as of the date
                  hereof.

      17. STANDARD OF PERFORMANCE. NMC will use its best efforts to perform its
duties under this Agreement in a good and businesslike manner. MEGA also agrees
to perform its duties and obligations under this Agreement and the insurance
policies relating hereto in a good and businesslike manner.

      18. INDEMNIFICATION.

      (a)   INDEMNIFICATION BY MEGA. MEGA agrees to indemnify and hold harmless
            NMC and each of its respective directors, officers, employees, and
            agents harmless against any and all losses, damages (including,
            without limitation, actual damages, compensatory damages, punitive
            damages and extra-contractual damages), liabilities, penalties, cost
            and expenses (including, without limitation, attorneys' fees,
            investigation costs and all other reasonable costs associated with
            the defense thereof) (collectively, "Losses"), as incurred, arising
            out of or relating to its breach of its obligations under this
            Agreement.

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      (b)   INDEMNIFICATION BY NMC. NMC agrees to indemnify and hold harmless
            MEGA and each of its respective officers, directors and employees
            from and against any and all Losses, as incurred, arising out of or
            relating to its breach of its obligations under this Agreement.

      (c)   CONDUCT OF INDEMNIFICATION PROCEEDINGS.

            i.    If any proceeding shall be brought or asserted against any
                  person and/or entity entitled to indemnity hereunder (an
                  "Indemnified Party"), such Indemnified Party promptly shall
                  notify the person from who indemnity is sought (the
                  "Indemnifying Party") in writing, and the Indemnifying Party
                  shall assume the defense thereof, including the employment of
                  counsel reasonably satisfactory to the Indemnified Party and
                  the payment of all fees and expenses incurred in connection
                  with defense thereof; provided, however, that the failure of
                  any Indemnified Party to give such notice shall not relieve
                  the Indemnifying Party of its obligations or liabilities
                  pursuant to this Agreement, except (and only) to the extent
                  that it shall be finally determined by a court of competent
                  jurisdiction (which determination is not subject to appeal or
                  further review) that such failure shall have proximately and
                  materially adversely prejudiced the Indemnifying Party.

            ii.   An Indemnified Party shall have the right to employ separate
                  counsel in any such proceeding and to participate in the
                  defense thereof, but the fees and expenses of such counsel
                  shall be at the expense of such Indemnified Party or Parties
                  unless: (1) the Indemnifying Party has agreed in writing to
                  pay such

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                  fees and expenses; or (2) the Indemnifying Party shall have
                  failed promptly to assume the defense of such proceeding and
                  to employ counsel reasonably satisfactory to such Indemnified
                  Party in any such proceeding; or (3) the named Parties to any
                  such proceeding (including any impleaded Parties) include both
                  such Indemnified Party and the Indemnifying Party, and such
                  Indemnified Party shall have been advised by counsel that a
                  conflict of interest is likely to exist if the same counsel
                  were to represent such Indemnified Party and the Indemnifying
                  Party (in which case, if such Indemnified Party notifies the
                  Indemnifying Party in writing that it elects to employ
                  separate counsel at the expense of the Indemnifying Party, the
                  Indemnifying Party shall not have the right to assume the
                  defense thereof and such counsel shall be at the reasonable
                  expense of the Indemnifying Party). The Indemnifying Party
                  shall not be liable for any settlement of any such proceeding
                  effected without its written consent, which consent shall not
                  be unreasonably withheld. No indemnifying Party shall, without
                  the prior written consent of the Indemnified Party, cause any
                  settlement of any pending proceeding in respect of which any
                  Indemnified Party is a party, unless such settlement includes
                  an unconditional release of such Indemnified Party from all
                  liability on claims that are the subject matter of such
                  proceeding.

            iii.  All fees and expenses of the Indemnified Party (including
                  reasonable fees and expenses to the extent incurred in
                  connection with investigating or

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                  preparing to defend such proceeding in a manner not
                  inconsistent with this Section) shall be paid to the
                  Indemnified Party, as incurred, within ten (10) business days
                  of a detailed written notice thereof to the Indemnifying Party
                  (regardless of whether it is ultimately determined that an
                  Indemnified Party is not entitled to indemnification
                  hereunder; provided, that the Indemnifying Party may require
                  such Indemnified Party to undertake to reimburse all such fees
                  and expenses to the extent it is finally judicially determined
                  that such Indemnified Party is not entitled to indemnification
                  hereunder).

      19. NOTICE OF RATE INCREASES. At the six (6) month and twelve (12) month
anniversary of the effective date of this Agreement, and every six (6) months
thereafter, MEGA shall have the right on at least thirty (30) days prior written
notice to adjust the premiums provided for in Section 3 to the extent that MEGA
determines in good faith, using generally accepted actuarial assumptions and
methodologies consistently applied, and taking into account incurred loss
experience throughout the Term of this Agreement. Any increase in premiums
pursuant to this Section 19 shall be prospectively applied to new NMC
memberships and renewals of then current Members after the effective date of any
such increases.

      20. LIMITATION ON PROFIT. During the Term of this Agreement, MEGA agrees
that premium adjustments, as outlined in Section 19 will be appropriate and
intended to provide MEGA with a profit of eleven percent (11%) of the sum of
claims incurred, plus premium taxes and guaranty fund assessments actually paid,
over the term of this Agreement. Profit shall be computed based upon the
insurance policies subject to this Agreement pursuant to the following formula:

      Profit = gross premiums earned; less premium taxes and guaranty fund
      assessments

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      paid; less claims incurred; and less salary and employee benefits incurred
      by MEGA for any employee assigned exclusive and full time to NMC claims
      administration.

At the three (3) month anniversary of the effective date of the Agreement or
earlier upon the Parties' mutual consent and every three (3) months thereafter
during the terms of this Agreement, NMC shall have the right to receive a refund
of the premium paid by NMC to MEGA in excess of the Profit defined in this
Section 20.

      21. TERMINATION.

      (a)   CHANGE IN PREMIUM. NMC shall have the right within thirty (30) days
            following any change in premiums pursuant to Section 19 to terminate
            this Agreement; provided, however, NMC shall have the additional
            right upon giving such notice to extend the term on a month-to-month
            basis for up to a maximum of six (6) additional months, with MEGA
            retaining the right to adjust premiums for the period of extension
            as provided in Section 1.

      (b)   SALE OF ASSETS OF NMC. If any third party unaffiliated with the
            current owners of NMC acquires a majority of the capital stock of
            NMC, or NMC merges into another unaffiliated corporation and does
            not survive the merger, then MEGA shall have the right to give
            written notice by certified mail to NMC or the surviving corporation
            and take over the servicing for the insurance policies. If MEGA
            elects to take over servicing of the insurance policies, it shall
            have the right to terminate this Agreement by giving thirty (30)
            days written notice to NMC or the surviving corporation. After any
            such termination, NMC or the surviving corporation shall provide an
            accounting to MEGA, together with access during normal business
            hours to premium records,

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            and any other documents relating to the insurance and coverage for
            the Members.

      (c)   CHANGE IN FINANCIAL POSITION.

            i.    NMC's BANKRUPTCY OR INSOLVENCY. In the event of (a)
                  commencement of bankruptcy or insolvency proceedings against
                  NMC or (b) the cessation of business operations of NMC which
                  is not cured within thirty (30) days after written notice
                  thereof from MEGA, then in such case, MEGA shall have the
                  right to immediately terminate this Agreement upon written
                  notice to NMC.

            ii.   MEGA's CHANGE IN FINANCIAL POSITION. In the event (a) MEGA has
                  been placed in supervision (b) commencement of receivership,
                  rehabilitation or liquidation proceedings involving MEGA, (c)
                  MEGA has ceased business operations, (d) the license or
                  certificate of authority of MEGA to conduct a life and health
                  insurance business in any state has been suspended, lapsed,
                  revoked or terminated or (e) MEGA shall at any time fail to
                  obtain and maintain an A.M. Best Company rating of B or above
                  which is not cured within thirty (30) days after written
                  notice thereof, NMC shall have the right to immediately
                  terminate this Agreement upon written notice to MEGA.

      (d)   TERMINATION FOR CAUSE. In the event of a Party's material breach of
            the terms of this Agreement, which is not cured within thirty (30)
            days after written notice from the non-breaching Party, then in such
            case the non-breaching Party shall have the right to immediately
            terminate this Agreement upon written notice to the breaching Party.

      (e)   TERMINATION WITHOUT CAUSE. Either party shall have the right to
            terminate this Agreement upon one hundred and eighty (180) days
            prior written notice to the other

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      party.

      (f)   RUN- OFF AFTER TERMINATION WITHOUT CAUSE.

            i.    In the event of termination of this Agreement pursuant to
                  paragraph 21(e), the Parties agree to a twelve (12) month
                  run-off period from the effective date of the termination of
                  this Agreement pursuant to the terms of this paragraph (the
                  "Run-Off Period").

            ii.   During the Run-Off Period, the Parties agree that every three
                  (3) months NMC shall have the right to receive a refund of the
                  premium paid by NMC to MEGA in excess of the Profit defined in
                  Section 20. The Parties further agree during the Run-Off
                  Period that each Party shall have access to the books,
                  databases and records of every kind and character of the other
                  Party related to the insurance policies issued by MEGA to NMC
                  under the terms and provisions of this Agreement.

      (g)   MISCELLANEOUS. Upon termination of this Agreement, NMC shall be
            responsible for payments to MEGA for any amounts due for insurance
            coverage through the date of termination of this Agreement. Upon
            termination of this Agreement, MEGA shall remain liable for
            insurance coverages issued or serviced under this Agreement pursuant
            to the terms of such coverage. In addition, upon termination of this
            Agreement, MEGA shall refund any unearned premiums to NMC.

      22. RELATIONSHIP OF THE PARTIES. NMC's relationship with MEGA shall be
that of

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independent contractor and nothing in this Agreement shall be construed as
creating the relationship of employer and employee between MEGA and officers,
employees or assigns of NMC or the relationship of a partnership or joint
venture between the Parties. NMC's authority shall extend no further than is
expressly stated in this Agreement and no authority shall be implied from the
granting or denial of powers specifically mentioned herein. MEGA shall exercise
no control whatsoever over the hours, office location, rentals, or staff of
employees of NMC. This Agreement may not be assigned in whole or part by either
Party without the prior written consent of the other Party, except that NMC may
enter into agreements with an affiliate to assist it in providing services to
MEGA under this Agreement.

      23. AUDIT RIGHTS. NMC, itself or by its agents, shall have the right, on
reasonable written notice, during regular business hours and at NMC's expense,
to review and audit the books and records of MEGA relating to the obligations of
MEGA hereunder. NMC shall reimburse MEGA for expenses incurred by MEGA in
assisting NMC in such review and audit. The provisions of this Section 23 shall
survive for a period of two (2) years after the termination or expiration of
this Agreement.

      24. FORCE MAJEURE. Neither Party shall be held responsible for any delay
or failure in performance of any part of this Agreement to the extent such delay
or failure is caused by fire, flood, explosion, war, terrorist act, strike,
embargo, government requirement, civil or military authority, act of God, act or
omission of carriers or other similar causes beyond its control and without the
fault or negligence of the delayed or non-performing Party or its subcontractors
("Force Majeure Condition"). If any Force Majeure Condition occurs, the Party
delayed or unable to perform shall give immediate notice to the other Party,
stating the nature of the Force Majeure Condition and any

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action being taken to avoid or minimize its effect and its estimate of how long
such delay or failure will continue. If the Force Majeure Condition continues
for a period of at least one hundred eighty (180) days, either Party may
terminate this Agreement by delivery of written notice to the other Party.

      25. WAIVERS. The failure of either Party hereto at any time or times to
require performance of any provision hereof shall in no manner affect its right
at a later time to enforce the same or any other provision. No waiver by a Party
of any condition or of any breach of any term, covenant, representation or
warranty contained in this Agreement shall be effective unless in writing, and
no waiver in any one or more instances shall be deemed to be a further or
continuing waiver of any such condition or breach in other instances or a waiver
of any other condition or breach of any other term, covenant, representation or
warranty.

      26. INTERPRETATION. The headings preceding the text of Sections included
in this Agreement are for convenience only and shall neither be deemed part of
this Agreement nor be given any effect in interpreting this Agreement. The use
of the masculine, feminine or neuter gender herein shall not limit any provision
of this Agreement. The use of the terms "including" or "include" shall in all
cases herein mean "including, without limitation" or "include, without
limitation," respectively. The Parties have jointly participated in the
negotiation and drafting of this Agreement. In the event of any ambiguity or if
a question of intent or interpretation arises, this Agreement shall be construed
as if drafted jointly by all Parties, and no presumption or burden of proof
shall arise favoring any Party by virtue of the authorship of any provisions of
this Agreement.

      27. ASSIGNMENT. This Agreement shall be binding upon and inure to the
benefit of the Parties and their respective successors and assigns.
Notwithstanding the foregoing, no assignment of

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any rights or obligations shall be made by either Party without the written
consent of the other Party, which consent shall not be unreasonably withheld.

      28. NO THIRD PARTY BENEFICIARIES. This Agreement is solely for the benefit
of the Parties hereto and no provision of this Agreement shall be deemed to
confer upon other third parties any remedy, claim, liability, cause of action or
other right.

      29. FURTHER ASSURANCES. Upon reasonable request of either Party, the other
Party will execute and deliver such other documents as may be required to
effectuate completely the purposes of this Agreement.

      30. SEVERABILITY. If any provision of this Agreement shall be held
invalid, illegal or unenforceable, the validity, legality or enforceability of
the other provisions hereof shall not be affected thereby, and there shall be
deemed substituted for the provision at issue a valid, legal and enforceable
provision as similar as possible to the provision at issue.

      31. REMEDIES CUMULATIVE. The remedies provided in this Agreement shall be
cumulative and shall not preclude the assertion or exercise of any other rights
or remedies available by law, in equity or otherwise.

      32. ENTIRE AGREEMENT; AMENDMENTS. This Agreement sets forth the entire
agreement and understanding of the Parties with respect to the matters set forth
herein and supersedes any and all prior written or oral discussions,
negotiations, proposals, agreements, arrangements and understandings among the
Parties relating thereto except as may be set forth in a contemporaneous or
subsequent written agreement signed by the Parties. The provisions of this
Agreement may not be modified, changed, amended or rescinded in any manner
except by a written instrument signed by an authorized representative of all of
the Parties hereto. However, the Parties agree that in event of a

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<PAGE>

conflict between the terms and provisions in this Agreement and the terms and
provisions of any insurance certificate or insurance policy provided by MEGA
under this Agreement, the language of such insurance certificates or insurance
policies shall control.

      33. GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of Texas, without reference to its choice
of law rules. Each Party to this Agreement irrevocably agrees that any legal
action or proceeding under, arising out of or in any matter relating to this
Agreement shall be brought in state or federal court in Tarrant County, Texas
and each Party hereby assents and submits to the personal jurisdiction by such
courts in any such action or proceeding.

      34. ARBITRATION. Any dispute or difference between the Parties with
respect to the operation or interpretation of this Agreement on which an
amicable understanding cannot be reached shall be decided by arbitration.
Arbitrators appointed pursuant to this Section 34 shall be empowered to decide
all questions or issues and shall be free to reach their decision from the
standpoint of equity and customary practices of the insurance industry (to the
extent consistent with the express terms of this Agreement) rather than strictly
from that of the law.

      The arbitration hearing shall be held in Tarrant County, Texas and shall
consist of three arbitrators who must be officers of life insurance companies
other than the Parties to this Agreement or their affiliates or subsidiaries.
Any Party electing to arbitrate a dispute hereunder shall give the other Party
written notice with a description of the dispute and the name of such Party's
arbitrator. Thereafter within fifteen (15) days of receiving such notice, the
Party receiving notice shall give notice to the other Party of the name of its
arbitrator. Within fifteen (15) days of the giving of notice of the second
arbitrator, the two arbitrators appointed by the Parties shall elect a third
arbitrator

                                       20
<PAGE>

before the arbitration begins. In the event that arbitrators are unable to agree
upon the choice of a third arbitrator within said fifteen (15) day period, both
Parties shall promptly request that such arbitrator be appointed by the American
Arbitration Association or its successor organization. Once appointed, the three
arbitrators shall decide matters by a majority vote. The decision of the
arbitrators shall be final and binding on the Parties, and from their written
decision there shall be no appeal. Both Parties shall have the right to enforce
the decision of the arbitrators in a court having jurisdiction over such matter.
The cost of arbitration, including the fees of the arbitrators, shall be borne
by the losing Party, unless the arbitrators decide otherwise.

      35. NOTICES. All notices, demands or other writings in this Agreement
provided to be given, made or sent by any Party hereto to the other, shall be
made in writing and deposited in the United States mail, registered or certified
mail, return receipt requested, postage prepaid and as follows:

            If to NMC:

                               NMC Holdings, Inc.
                       6500 N. Belt Line Road, Suite 200
                               Irving, Texas 75063
                       Attention: President NMC Holdings

            If to MEGA:

                   The MEGA Life and Health Insurance Company
                             9151 Grapevine Highway
                        North Richland Hills, Texas 76180
                              Attention: President

or to such other address as to which notice is given in accordance with the
provisions of this Section. Any notice, demand or other writing so given shall
be deemed effective four business days after being deposited in the United
States mail.

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<PAGE>

      36. COUNTERPARTS. This Agreement may be executed in counterparts, each of
which shall be deemed an original, but all of which shall constitute one and the
same instrument.

      37. SURVIVAL. On the termination of this Agreement, all the rights and
obligations of the parties to this Agreement shall terminate provided that (a)
the rights and obligations set forth in Sections 5, 10, 11, 12, 15, 18 and 23 of
this Agreement and (b) any rights, claims or relief, arising out of or by virtue
of any action or inaction of the Parties prior to the effective date of
termination shall survive such termination.

                  (REMAINDER OF PAGE INTENTIONALLY LEFT BLANK)

                                       22
<PAGE>

      IN WITNESS WHEREOF, the Parties have hereunto executed this Agreement to
be effective as of the 1st day of January 2005.

                                      NMC Holdings, Inc.
                                      a Nevada corporation

                                      By: /s/ Peter R. Anderson
                                          ---------------------------------
                                      Name: Peter R. Anderson
                                      Title: Treasurer

                                      THE MEGA LIFE AND HEALTH INSURANCE
                                      COMPANY, an Oklahoma corporation

                                       By: /s/ Jeffrey L. Stewart
                                           --------------------------------
                                       Name: Jeffrey L. Stewart
                                       Title: Vice President

                                       23
<PAGE>

                               AMENDMENT NO. 1 TO
                        ADMINISTRATIVE SERVICES AGREEMENT


     This Amendment No. 1 to Administrative Services Agreement ("Agreement") is
made and entered into effective as of July 1, 2005 by and between The MEGA Life
and Health Insurance Company, an Oklahoma domiciled life and health insurance
company ("MEGA"), and NMC Holdings, Inc., a Nevada corporation ("NMC") and each
of the subsidiaries of NMC Holdings, Inc. listed on Exhibit A to that certain
Administrative Services Agreement, effective January 1, 2005, between MEGA and
NMC (the "Services Agreement").

     WHEREAS, MEGA and NMC entered into the Services Agreement, pursuant to
which MEGA has agreed to issue life, health and accident insurance policies,
certificates and/or blanket coverages to NMC for the benefit of NMC Members in
certain states designated in the Services Agreement; and

     WHEREAS, MEGA and NMC desire to amend the Services Agreement in accordance
with the terms hereof;

     NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements hereinafter set forth, the receipt and sufficiency of which is
acknowledged by the Parties hereto, MEGA and NMC hereby agree as follows:

     1.   DEFINITIONS. Unless otherwise defined herein, all capitalized terms
used in this Amendment shall have the respective meanings assigned to them in
the Services Agreement.

     2.   AMENDMENTS. The Services Agreement is hereby amended as follows:

          2.1. Paragraph 19 of the Services Agreement is hereby deleted in its
     entirety and the following is inserted in lieu thereof:

     "19. NOTICE OF RATE ADJUSTMENTS. At the six (6) month and twelve (12) month
     anniversary of the effective date of this Agreement, and every six (6)
     months thereafter, MEGA shall have the right on at least thirty (30) days'
     prior written notice to adjust the premiums provided for in Section 3 to
     the extent that MEGA determines in good faith, using generally accepted
     actuarial assumptions and methodologies consistently applied, and taking
     into account incurred loss experience throughout the Term of this
     Agreement. Any increase or decrease in premiums pursuant to this Section 19
     shall be prospectively applied to new NMC memberships and renewals of then
     current Members after the effective date of any such increases. Exhibit C
     to the Agreement shall be amended from time to time to reflect such premium
     adjustments and to add and/or delete insurance products, as the case may
     be."

          2.2  Exhibit C to the Services Agreement is hereby deleted in its
     entirety and Exhibit C attached hereto is hereby inserted in lieu thereof:

     3.   CONFIRMATION OF SERVICES AGREEMENT. Except to the extent as amended
or modified hereby, the terms of the Services Agreement are hereby confirmed in
all respects and shall be and remain in full force and effect.

     4.   BOARD OF DIRECTORS APPROVAL. The effectiveness of this Amendment No. 1
shall be subject to the approval of a majority of the disinterested directors of
UICI (the parent company of







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<PAGE>


MEGA) in accordance with the policies and procedures adopted by the Board of
Directors of UICI governing the review and approval of transactions between UICI
and related parties.

     5.   COUNTERPARTS. This Amendment may be executed in counterparts,
including by facsimile signatures, each of which shall be deemed an original,
but all of which together shall constitute one and the same instrument.

     6.   INTERPRETATION. The headings preceding the text of Sections included
in this Amendment are for convenience only and shall neither be deemed part of
this Amendment nor be given any effect in interpreting this Amendment. The use
of the masculine, feminine or neuter gender herein shall not limit any provision
of this Amendment. The use of terms "including" or "include" shall in all cases
herein mean "including, without limitation" or "include, without limitation,"
respectively. The Parties have jointly participated in the negotiation and
drafting of this Amendment. In the event of any ambiguity or if a question of
intent or interpretation arises, this Amendment shall be construed as if
drafted jointly by all Parties and no presumption or burden of proof shall arise
favoring any Party by virtue of the authorship of any provisions of this
Amendment.

     IN WITNESS WHEREOF, the Parties have caused this Amendment to be executed
and delivered as of the date first above written.



                                     THE MEGA LIFE AND HEALTH INSURANCE COMPANY



                                     By: /s/ Glenn W. Reed
                                         ---------------------------------------
                                         Print Name: Glenn W. Reed
                                                     ---------------------------
                                         Title: Vice President
                                                --------------------------------



                                     NMC HOLDINGS, INC.



                                     By: /s/ Jeff Jensen
                                         ---------------------------------------
                                         Print Name: Jeff Jensen
                                                     ---------------------------
                                         Title: V.P.
                                                --------------------------------



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