Document:

Unassociated Document

    Exhibit 10.21

     

    
      Final

      7/2/2007

       

      
        

         

        American
CareSource Holdings, Inc.

        Confidential
Materials Omitted and Filed Separately with the

        Securities
and Exchange Commission

        Confidential
Portions denoted by [***]

         

      

      
        ANCILLARY
CARE SERVICES

        NETWORK
ACCESS AGREEMENT

         

        This
Ancillary Care Services Network Access Agreement (the “Agreement”), dated as
of July 2, 2007, by and between American CareSource Holdings, Inc. d/b/a
Ancillary Care Services, Inc. (“ACS”), and Texas True
Choice, Inc. and its subsidiaries set forth on Schedule A attached hereto, which
may be updated from time to time (collectively, the “Client”) shall be
effective as of May 21, 2007, the “Effective
Date”.

         

        WHEREAS, ACS is engaged in the
business of developing, maintaining and providing access to networks of
providers engaged in ancillary health care services and in administrating
comprehensive ancillary health care services for various types of medical
benefit plans; and

         

        WHEREAS, Client desires to
utilize ACS’ Network Providers and active referral management services in order
to provide benefits for ancillary health care services to its Participants;
and

         

        WHEREAS, Client shall provide
claim consolidation and routing service to ACS to facilitate the automated
repricing of claims, generating reductions in various charges for ancillary
health care services that are Covered Services provided to Client
Participants;

         

        NOW, THEREFORE, in
consideration of the mutual covenants and agreements set forth in this Agreement
and other good and valuable consideration, the parties agree as
follows:

         

        
          	
                  1.

                	
                  DEFINITIONS

                

        

         

        1.1.           “Benefit Plans” means
any type of health care benefit provided either directly by Client to its
customers, including insured, health maintenance organization or self-insured
plans, or through administrative services contracts between Client and other
payors, including those with employers, third party administrators, affiliates
and subsidiaries.

         

        1.2.           “Covered Services” is
defined to include those ancillary care services included on Attachment A
hereto.

         

        1.3.           “Revenue” means the
amount of money ACS actually collects from the Payor.

         

        1.4.           “Network Provider”
means any provider of Covered Services that has agreed to participate as an ACS
network provider and is a party to an ACS Provider Agreement.

         

        1.5.           “Participant” means
any covered person under a Benefit Plan and who is entitled to benefits for
Covered Services.

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        1.6.           “Participant Expenses”
means any amounts that are the responsibility of the Participant or the
appropriate responsible party, other than ACS, to pay in accordance with his or
her Benefit Plan, including co-payments, coinsurance and
deductibles.

         

        1.7.           “Payor” means a payor
or entity providing or administering a Benefit Plan  on behalf of the
Client for the Participant.

         

        1.8.           “Provider Agreement”
means a contract by and between ACS and a Network Provider pursuant to which a
Network Provider shall provide certain ancillary services.

         

        
          	
                  2.

                	
                  REPRESENTATIONS
      AND OBLIGATIONS OF ACS

                

        

         

        2.1.           Network
Providers.

         

         (a)           Access to Network Providers and
Credentialing.  During the term of this Agreement, ACS warrants
that it shall maintain a fully credentialed network of ancillary care providers
and shall provide Client Participants access to its Network
Providers.

         

         (b)           Network Provider
Information.  ACS shall deliver the names and demographics for
each of its Network Provider to Client on a monthly basis in a mutually
agreed-upon electronic format.  Network Providers that have also
entered into agreements with the Client shall provide Covered Services to the
Client pursuant to its respective ACS Provider Agreement.  Client
shall take such action as is necessary to provide that the agreement between ACS
and the relevant Network Provider shall prevail over such existing
agreements.

         

         (c)           Requested Additions and Deletions of
Network Providers.  ACS shall use its best efforts to recruit
additional Network Providers to meet the needs of the Client when requested by
Client in writing.  If Client requests the deletion or suspension of a
Network Provider from the list of those Network Providers providing Covered
Services to Client Participants, ACS shall immediately contact Client to
determine the factual situation necessitating the change and shall work with
Client to obtain a mutually satisfactory solution.

         

         (d)           Activation
Date.  ACS shall notify each of its respective Network
Providers within ten (10) business days of the Effective Date of this Agreement
to inform the Network Providers that it shall begin to provide Covered Services
to Client Participants.

         

        2.2.           Claims Processing of Covered
Services and Repricing.

         

         (a)           ACS
shall require that Network Providers submit claims for Covered Services provided
to Client Participants to the electronic or U.S. mail addresses established by
Client or Payor.

         

        
          
            
            

          

          
            -2-

            
              

            

          

          
            
            

          

        

         

         (b)           ACS
shall provide repricing services for Client in accordance with this
Agreement.  ACS shall reprice claims using the customer fee schedule
calculations attached hereto as Attachment
B.

         

        2.3.           Payment of Network
Providers. Following receipt from Client of payment for Covered Services
provided to Client Participants, ACS shall pay the Network Providers who
provided the Covered Services in accordance with such Network Provider’s
respective ACS Provider Agreement.  ACS shall provide all Explanation
of Payment or Explanation of Benefits forms to such Network Providers when
payment is made, which shall allow the Network Provider to collect remaining
allowable Participant Expenses for the Covered Services.

         

        2.4.           Network Provider
Relations. ACS shall provide Network Provider relation services for
Network Providers for claims paid by ACS to the Network Provider, including
toll-free telephone lines, to address any payment or claims review issues
involving the payment of the claim under the ACS Provider
Agreement.

         

        2.5.           Assignment of Payment for
Services. ACS Provider Agreements shall allow for the assignment to
Payors of the right to collect payments for services provided.

         

        2.6.           Reports.  ACS
shall provide Client with information and reports on a monthly basis regarding
the amount of savings realized, payment activity, utilization data and such
other information as shall be mutually agreed upon, in such format, electronic
or hard copy, as agreed upon by the parties.

         

        2.7.           Binding
Effect.  ACS is a corporation duly existing and in good
standing under the laws of the State of Delaware, and it has the corporate
authority to enter into this Agreement.

         

        
          	
                  3.

                	
                  REPRESENTATIONS
      AND OBLIGATIONS OF CLIENT

                

        

         

        3.1.           Claims Routing
Services.  Client shall collect, consolidate and transmit
claims from Network Providers to ACS on a timely basis for
repricing.  Client shall accept change in “pay to” status of the claim
and route each repriced claim to the appropriate Payor.

         

        3.2.           Claims Processing of Covered
Services.  Payors shall collect, consolidate  and
adjudicate all claims from Network Providers in accordance with the eligibility
and benefit parameters specified by Participant’s benefit plan and subsequently
remit such claims to ACS for repricing in accordance with Section 2.2(b)
above.  Payment shall be made as provided in Section 4 of this
Agreement.  Payor shall ensure that each claim paid pursuant to this
Agreement is accompanied by applicable Explanation of Payment form or
Explanation of Benefits form to enable ACS to provide such information to the
Network Provider, including the amount of Participant Expense for each such
claim.  Payor shall prepare all Explanation of Benefits forms for
Participants reflecting the benefit payment amounts paid to ACS for claims from
Network Providers, as well as remaining amounts that may be Participant
Expenses.

         

        
          
            
            

          

          
            -3-

            
              

            

          

          
            
            

          

        

         

        3.3.           Network Provider
Information.  All Network Providers for Covered Services shall
be listed in all provider directories and resource materials for Client
Participants, regulatory authorities, and prospective participants and groups,
including printed and on-line or electronically-accessed
directories.  Client agrees to update these listings with information
provided by ACS at the same time that it routinely updates such listings for
Client contracted providers, but no less frequently than
monthly.  Client shall provide ACS with applicable Benefit Plan
coverage codes, eligibility verification contact information and related
information to allow ACS to furnish this information to its Network
Providers.

         

        3.4.           Licenses and Compliance with
Law; Binding Effect. Client represents and warrants that it holds, and
will throughout the term of this Agreement continue to hold, all licenses
required by applicable law to conduct its current healthcare
business.  Client further represents and warrants that it has the
corporate authority and is duly authorized to enter into this Agreement and to
bind its employees and agents pursuant to the terms of this
Agreement.  Client shall provide written notice to ACS within ten (10)
business days of (i) any formal proceeding, challenge or change concerning
Client’s licensure; or (ii) receipt of any notice from any governmental
authority of noncompliance with any applicable federal, state or local law and
regulations that would affect the terms or services provided pursuant to this
Agreement.

         

        3.5.           Preauthorization and
Referrals.  Payor shall continue to administer its
preauthorization and referral policies for Participants under its Benefit Plans,
including all requirements for preauthorization of Covered Services, for Network
Providers.

         

        3.6.           Use of Trademarks and
Name.  Client shall allow ACS to include Client’s name on all
Explanation of Payment or Explanation of Benefits forms sent to Network
Providers from ACS.  Any correspondence sent by ACS to Client
Participants concerning payments to Network Providers may also include such
information and, upon separate agreement, use of the Client trademarks or
service marks, or, alternatively, Client will provide paper forms including such
information for use by ACS exclusively for such Participants.

         

        3.7.           Applicability to Client
Benefit Plans.  Client shall provide ACS with a complete
listing of Payors (“Payors Listing”) that
shall use the Network Providers for Covered Services provided to Participants,
subject to the agreement of ACS.  The Payors Listing shall be
submitted to ACS on a monthly basis in a mutually agreed-upon electronic
format.  This Payors Listing shall include: group name, group number,
address, effective date of group, contact for benefits or eligibility and claim
submission address.  Any change or addition to such programs shall be
negotiated with ACS prior to implementation, and additions shall be provided at
least twenty business days prior to the effective date of the change to allow
ACS adequate time to provide such information to its Network
Providers.

         

        
          
            
            

          

          
            -4-

            
              

            

          

          
            
            

          

        

         

        
          	
                  4.

                	
                  PAYMENT
      FOR SERVICES AND
COMPENSATION

                

        

         

        4.1.           Client
Payments.  When Payor has finally adjudicated the repriced
Network Provider claims for Participants, it will remit all Benefit Plan
payments to ACS for each such Network Provider.  Payor will pay ACS
the repriced amount, less applicable Participant Expense.  Payor will
utilize ACS’ tax identification number for all such payments, recognizing the
assignment of the claim from the Network Provider to ACS.  Payments to
ACS shall be made as soon as possible following adjudication of the claim to
ensure satisfaction of timely claims payment guidelines.  Payments to
ACS shall be accompanied by accurate benefit explanations and calculation of
Participant Expenses that will allow ACS to make payment and provide appropriate
claims reconciliation information to Network Providers.  The parties
may agree to electronic transfers of payments and payment
information.

         

        [***]

         

        
          	
                  5.

                	
                  RECORDS,
      CONFIDENTIALITY AND HIPAA

                

        

         

        5.1.           Maintenance and Accuracy of
Records.  Both parties agree to maintain appropriate financial
and administrative records related to the services provided and claims processed
and paid under this Agreement and in accordance with applicable federal and
state laws and regulations in an accurate and timely manner.  All such
records shall be maintained for a minimum of three (3) years from the date of
the making of the record.

         

        5.2.           Audit.  During
the term of this Agreement and for at least three (3) years after any particular
transaction or payment obligation, Client shall keep and maintain detailed and
accurate books and records with regard to all claims for services provided by
ACS Network Providers.  ACS or its representatives shall be entitled,
at a mutually agreeable time and date but in any event upon no less than fifteen
(15) days prior written notice, to review, copy and audit such books and records
and/or compliance with the terms of this Agreement during Client’s normal
business office hours, all at ACS’ own expense; provided that Client will bear
any such reasonable expense if the review or audit shows an underpayment of more
than five percent (5%) for the period audited.  Underpayments by
Client shown by any such audit shall be immediately paid by Client to ACS along
with reimbursement of reasonable expenses incurred by ACS in conducting the
audit.  The audit rights granted pursuant to this Section 5.2 shall
also inure to Client with respect to ACS books and records as such relate to the
transactions contemplated by this Agreement, and ACS shall keep and maintain
detailed and accurate books and records with regard to such transactions during
the existence of this Agreement and for at least three (3) years after any
particular transaction or payment obligation.

         

        5.3.           Confidential Business
Information.  Client and ACS may from time to time receive
confidential and proprietary business information, claim information, legal
information or other information from the other party.  Client and ACS
agree that such information (including ACS lists of payments under Provider
Agreements, electronic claims processing systems, financial models and the
financial provisions of this Agreement and related information which shall all
be deemed confidential whether or not so marked) shall all be maintained in
confidence and shall not be disclosed to any person or entity, or used for any
purpose other than performance hereunder, except as authorized in writing by the
party providing the information or as otherwise required by law.

         

        
          
            
            

          

          
            -5-

            
              

            

          

          
            
            

          

        

         

        5.4.           Confidentiality of Records;
HIPAA.  ACS and Client shall safeguard the privacy of any
health information that identifies a particular Participant.  ACS and
Client shall abide by all federal and state laws regarding confidentiality and
disclosure of medical records and other health and Participant
information.  ACS recognizes that it may be considered to be a
Business Associate of Client under the federal Health Insurance Portability and
Accountability Act of 1996 (“HIPAA”), and agrees
to execute a Business Associate Agreement which shall be separately attached to
and made a part of this Agreement.

         

        
          	
                  6.

                	
                  TERM
      AND TERMINATION

                

        

         

        6.1.           Term;
Renewal.  This Agreement shall commence on the Effective Date
and shall continue in effect for a period of four (4) years unless terminated as
provided herein (the “Term”).  This
Agreement shall renew automatically for successive one-year terms unless either
party shall have delivered written notice of non-renewal to the other party at
least ninety (90) days prior to the expiration of the then current
term.

         

        [***]

         

        [***]

         

        
          	
                  7.

                	
                  MISCELLANEOUS

                

        

         

        7.1.           Entire Agreement;
Assignment.  This Agreement (including all Attachments hereto)
sets forth the entire agreement and understanding of the parties as to the
subject matter hereof and supersedes all prior or contemporaneous understandings
of any kind, whether written or oral.  Neither party may assign this
Agreement or its rights hereunder, or delegate its duties except as provided by
this Agreement, without prior written notice given to the other
party.

         

        7.2.           Amendment.  This
Agreement, including its Attachments, may be amended or modified at any time
during its term by written agreement of the parties.

         

        7.3.           Governing
Law.  This Agreement shall be construed in accordance with the
laws of the State of Delaware not including the choice of law rules
thereof.

         

        7.4.           Severability.  If
any part of this Agreement is held to be invalid, unenforceable, or illegal,
such determination shall not affect any other provision of this Agreement, and
this Agreement shall be construed as if the impermissible provision had never
been contained herein, unless this would substantially deprive a party of
benefits hereunder, in which case, either party may terminate this Agreement by
giving 90 days advance notice of such termination.

         

        
          
            
            

          

          
            -6-

            
              

            

          

          
            
            

          

        

         

        7.5.           Relationship of the
Parties.  ACS and Client are at all times acting and performing
as independent contractors under the terms of this Agreement.  Neither
party shall be considered a joint venture with the other
party.  Neither party shall have any liability for the general debts
nor obligations of the other party and each party shall hold the other party
harmless from and against such general debts and obligations.

         

        7.6.           Benefit.  This
Agreement shall be binding upon and inure to the benefit of each party and its
respective successors and permitted assigns.

         

        7.7.           Notice.  Any
notice or other communication required to be given hereunder shall be in writing
and shall be delivered personally, sent by recognized overnight courier service,
or sent by registered or certified mail, to the address shown on the signature
page or at such other address as either party may designate in writing delivered
to the other party.  Notice shall be effective upon receipt if
delivered personally or on the date indicated on the return receipt, if mailed,
or at such time as delivery is refused upon presentation.

         

        7.8.           Counterparts.  This
Agreement may be executed in any number of counterparts, each of which when so
executed shall be deemed to be an original and all of which when taken together
shall constitute one and the same agreement.

         

        IN
WITNESS WHEREOF, the parties have executed or caused this Ancillary Care
Services Network Access Agreement to be executed by their duly authorized
representatives to be effective as first stated above.

         

        
          
            
              	
                      “ACS”

                      AMERICAN
      CARESOURCE HOLDINGS, INC.

                      d/b/a
      ANCILLARY CARE SERVICES, INC.

                    	 
      
	 
      	 
      	 
      
	
                      BY:

                    	
                        /s/
      David S. Boone

                    	 
      	
                      7/2/07

                    
	
                      Name

                    	 
      	
                      Date

                    
	 
      	 
      	 
      	 
      
	
                      TITLE:

                    	
                      COO/CFO

                    	 
      	 
      
	 
      	 
      	 
      	 
      
	
                      “CLIENT”

                      TEXAS
      TRUE CHOICE, INC.

                    
	 
      
	
                      BY:

                    	
                        /s/
      Alan Scoggins

                    	 
      	
                      7/2/07

                    
	
                      Name

                    	 
      	
                      Date

                    
	 
      	 
      	 
      	 
      
	
                      TITLE:

                    	
                      COO

                    	 
      	 
      
	 
      	 
      	 
      	 
      

            

          

        

        

        -7-Lease Contract

Lessor: China Academy of Science & Tech Development Ltd. (CASTD)
Address: No.1 High-tech South St, NanShan District, Shenzhen
Post Code:
Agent:
Address:
Post Code:

Lessor: WealthCraft Systems (ShenZhen) Ltd. (WealthCraft)
Address:Room B01,B02, AnLian Plaza, 2222 JianTian Road, FuTian District,SZ
Post Code:
Enterprise Register/ID Number:
Agent:
Address:
Post Code:

      This Contract is issued According to ((People's Republic of China Contract
Law)), ((People's Republic of China City Housing Management Law)), ((ShenZhen
Housing leasing regulations)) and the details by WealthCraft & CASTD agreement.

1.    CASTD rent Room 701,703, Incubator Building, China Academy of Science &
      Tech Development, No.1 High-tech South Street, NanShan District, ShenZhen,
      the housing code:4403050070040700004000007 to WealthCraft. Leasing house
      total building area: 340.09 m^2, total floors: 9

<PAGE>

      Lease Obligee: China Academy of Science & Tech Development Ltd ; Real
      estate Certification Name / No: Shen Gui Jian Xu Zi No. [2002]N085

2.    The Rent fee per month per Square Meet is RMB 40.00 . Total monthly Rent
      fee is RMB 13,604.00

3.    WealthCraft should pay the first rent fee before Feb.10,2009 , amount of
      RMB 19,499.00 .

4.    WealthCraft should:
      |X| Before 10th of every month
      |_| Before ___ date ___ month of every quarter
      |_| Before ___date ___ month of every half year
      |_| Before ___ date ___month of every year
      Pay the rent fee to CASTD; CASTD should issue the invoice to WealthCraft
      when receiving the rent.

      (Mark |X| to choose above four payment types by the compromising of CASTD
      & WealthCraft)

5.    The Rental Period from Jan.13th ,2009 to Jan.12th ,2010
      The Period above should not exceed the Land-Use life, which is invalid for
      the exceeded period.

6.    Use for Rental: Plant
      If WealthCraft use the house for other purposes, should get the written
      permission from CASTD, and apply for housing using change to the
      department of housing management according to the relevant law &
      regulations

<PAGE>

7.    CASTD should deliver the house to WealthCraft before Dec.31st ,2008 and
      transact the relevant procedures.
      If CASTD deliver the house to WealthCraft later than above time,
      WealthCradft can request to postpone the valid period of the contract.
      CASTD & WealthCraft should sign to confirm and record in The Contract
      Authority.

8.    When delivery the house, CASTD & WealthCraft should confirm and list in
      attached according to the current condition, subsidiary property of the
      house.

9.    When CASTD deliver the house, can charge WealthCraft __/__ months rent
      for lease deposit, RMB 38,090.00
      CASTD should issue the invoice to WealthCraft when receiving the deposit.
      The condition for refund the deposit:
      1.___See Attached_____ ______________________________
      2.__________________________________________________________
      3.__________________________________________________________
      |_| Satisfy one of them.
      |_| Satisfy all
      (check |X| to choose the two manner)
      One of the below condition occurs, CASTD will not refund the deposit:
      1.__________________________________________________________
      2.__________________________________________________________
      3.__________________________________________________________

10.   During the period of rent, CASTD should pay the land-use fee and the tax
      according to housing rent, housing rental management fee, __/__ fee;
      WealthCraft should pay the utility fee, cleaning fee, management fee,
      RMB24/m^2 air condition using fee and other expenses result in using the
      house on time.

11.   CASTD should make sure that the delivered house and its subsidiary
      facilities can achieve the purpose for lease, and its security is
      consistent with the provisions of the relevant laws, regulations and
      statutes.
      WealthCraft have the right to request the compensation Because of CASTD's
      default which has taken the personal / property damage to WealthCraft in
      the rental house.

12.   WealthCraft should use the rental house and its subsidiary facilities
      reasonably, and should not use the house to engage contraband; CASTD
      should not disturb / obstruct WealthCraft's natural, reasonable house
      using.

13.   WealthCraft should inform CASTD in time and take effective measures if
      possibly to prevent more loss when the house appears unsecured, damaged,
      failure which are not result in WealthCraft's default during use; CASTD
      should arrange maintenance or consign WealthCraft to maintain in 7 days
      after get the inform from WealthCraft; WealthCraft is not able to inform
      CASTD or CASTD doesn't discharge obligation to repair in above period,
      WealthCraft can take the maintenance instead after record in Contract
      Authority.
      If the condition is too urgent to be maintained immediately, WealthCraft
      should arrange the maintenance first and inform to CASTD in time.
      The maintenance expenses related to above two condition (including
      WealthCraft's repair fees and the reasonable fees which is to prevent more
      loss) should be paid by CASTD. WealthCraft pay the relevant expenses if he
      doesn't fulfill his obligation which is mention in above, doesn't inform
      CASTD in time, doesn't take effective measures if possible to take more
      loss.

14.   WealthCraft should inform CASTD in time and take charge in maintenance or
      compensation when the house appears unsecured, damaged, failure which are
      result in WealthCraft's wrong or unreasonable use. CASTD can arrange the
      maintenance after record in Contract Authority as WealthCraft doesn't
      maintain or compensate, the maintenance fee should be paid by WealthCraft.

15.   During the valid period of the contract, CASTD & WealthCraft should sign
      another contract if one of them need to rebuild, ex-build, decorate the
      house.
      Above condition should be approval by relevant department before going
      along.

16.
      |_|   During the period of leasing, WealthCraft can sublet the house to
            others totally or partly and register in Leasing management
            department, the period of subletting should not be longer than the
            contract item.
      |_|   With the agreement of CASTD, WealthCraft can sublet the house to
            others totally or partly and register in Leasing management
            department, the period of subletting should not be longer than the
            contract item.
      |X|   During the period of leasing, WealthCraft should not sublet the
            house to others totally or partly.
            (Mark |X| to choose after compromising by CASTD & WealthCraft)

17.   During the valid period of the contract, CASTD should inform WealthCraft
      by written notice if CASTD need to transfer the property right of the
      leasing house, WealthCraft can take the preemption under the same
      condition.
      SASTD have the responsibility to inform the third party who has the new
      property right of the leasing house to go through this contract

<PAGE>

18.   During the valid period, the contract can be terminated or altered by one
      of the below conditions
      18.1. Contract is unable to be fulfilled by Force majeure
      18.2. The Leasing house is confiscated, bought, taken back, dismantled by
            The Government.
      18.3. CASTD & WealthCraft compromised.

19.      One of the below conditions occurred, CASTD could:
      |X| Apply for compensation to WealthCraft.
      |X| Hold the deposit
      |_| WealthCraft pay the penalty RMB __/__.
           (Mark |X| after compromising by CASTD & WealthCraft)
      19.1. WealthCraft delay the rent fee more than 30 days.
      19.2. CASTD probably loss the expenses more than RMB19,045.00 as
            WealthCraft's delay.
      19.3. WealthCraft engage contraband, which harm the interest of public and
            others.
      19.4. WealthCraft change the configuration or use of the leasing house.
      19.5. The house or its facility are seriously damaged as WealthCraft go
            against Article 14, doesn't take the responsibility of maintenance
            and its expenses.
      19.6. WealthCraft decorate the leasing house without the approval of CASTD
            and other relevant department.
      19.7. WealthCraft sublet the house to the third party without approval.
            CASTD can also terminate or change the contract besides investigate
            the liabilities of damage, compensation and broken.

20.   One of the below conditions occurred, CASTD could:
      |X| Apply for compensation to CASTD.

<PAGE>

      |X| Apply for the refund of deposit doubly.
      |_| CASTD pay the penalty RMB __/__
      (Mark |X| to choose after compromising by CASTD & WealthCraft)
      20.1. CASTD late deliver the house more than 30 days.
      20.2. CASTD against Article 11 that WealthCraft can't achieve the purpose
      for leasing.
      20.3. CASTD go against Article 13, doesn't take the responsibility of
      maintenance and its expenses.
      20.4. CASTD rebuild, ex-build, decorate the house without the approval of
      WealthCraft or other relevant department.
      WealthCraft can also terminate or change the contract besides investigate
      the liabilities of damage, compensation and broken. (WealthCraft should
      inform CASTD in written notice and return the house after receiving the
      compensation.)
      WealthCraft needn't to pay the rent fee during the period from informed by
      CASTD to receiving the compensation.

21.   WealthCraft should return the leasing house in 1 day after the deadline of
      the contract, and clear up the expenses which should be borne by
      WealthCraft while going through delivery formality with the house together
      with its facilities in good condition (except normal deterioration) CASTD
      have the right to take back the leasing house if WealthCraft is behind
      with leaving or delivery the house, and charge double rent fee according
      to the behind part.

22.   End the contract term, WealthCraft should apply for renewing in one month
      if needed, WealthCraft have the priority of reletting on the same
      condition. CASTD & WealthCraft should re-issue the contract and register
      in contract management department again.

<PAGE>

23.   CASTD & WealthCraft should perform every Article promised in the contract
      conscientiously. Who broke the Article should obligate the liability for
      breach of the contract.

24.   CASTD & WealthCraft can sign attached file according to the articles which
      are not listed in the contract, the signed and chopped attached file has
      the same efficacy with the contract as a part of it.
      CASTD & WealthCraft should register in the before contract management
      department when reaching an alteration agreement according to the
      contract. The registered agreement has the same efficacy with the
      contract.

25.   Any dispute between CASTD & WealthCraft shall be settled by friendly
      consultation; if failed to be settled by consultation, could apply for
      Mediation; failed to be mediated, could:
      |X|   Apply for mediation to ShenZhen Mediation committee.
      |_|   Apply for mediation to CIETAC(China International Economic and Trade
            Arbitration Commission) SZ Branck
      |_|   Apply for lawsuit to People's Court
      (Mark |X| to choose after compromising by CASTD & WealthCraft)

26.   The contract is effective on the date of signed.
      CASTD & WealthCraft should register or record in competent departments at
      higher levels in 10 days after the contract is signed.

27.   The contract takes Chinese version as original.

28.   The contract is quadruplication. CASTD keep 1, WealthCraft keep 1,
      contract record department keep 1, relevant department keep 1.

<PAGE>

CASTD (Sign & Chop):

Legal representative:
Telephone:
Bank Account Number:
Agent: (Sign & Chop):
                                                Date:

WealthCraft (Sign & Chop):

Legal representative:
Telephone:
Bank Account Number:
Agent: (Sign & Chop):

                                                Date:

Register / Record (Sign & Chop):

Contract Register Department (Sign & Chop):

                                                Date::

<PAGE>

                                            Appendix

1.    The Leasing period for decoration for free applied by CASTD is from 2008
      Year 12 Month 31 Day to 2009 Year 1 Month 12 Day, CASTD charge the rent
      fee to WealthCraft according the article listed in the contract no matter
      whether the decoration is done.

2.    WealthCraft should submit the decoration scheme to CASTD and get approval,
      during the decoration, WealthCraft should not destroy the leasing house
      and its relevant fixed facility, and should compensate to CASTD if
      destroyed. The property belong to CASTD after decoration which the part of
      fixed facility and electricity made by WealthCraft will influence the
      appearance and use of the leasing house, WealthCraft should not attorn or
      destroy it, and should compensate to CASTD if the use of the house is
      influenced result in destroy.

3.    During the lease, CASTD have the right to cut off the water, electricity
      or change the lock to press WealthCraft to pay the rent fee on time if
      WealthCraft delay the rent fee and other expenses more than 30 days.
      WealthCraft should not charge CASTD for compensation for above condition.

4.    End the contract, CASTD should refund all the deposit to WealthCraft if
      the house is on good condition and all the expenses are released.

5.    WealthCraft should inform CASTD before one month for terminate the lease
      in advance. CASTD will refund 50% of the deposit to WealthCraft if the
      house is on good condition and all the expenses are released.

6.    This appendix is part of the contract, article listed in this appendix is
      the standard if any dispute.

CASTD (Sign & Chop):                    WealthCraft (Sign & Chop):

Legal representative:                   Legal representative:

Agent:                                  Agent:

Date:                                   Date:

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