Document:

Exhibit
      10.15

    ASSET
      CONTRIBUTION AND COMBINATION AGREEMENT

    

    THIS
      ASSET CONTRIBUTION AND COMBINATION AGREEMENT (this "Agreement") is entered
      into
      on January 31, 2008, by and among TRUST
      BENEFITS ONLINE, LLC, a Delaware limited liability company ("TBOL"), INFORMATION
      CONCEPTS, INC., a California corporation ("ICI"), ASSOCIATED THIRD PARTY
      ADMINISTRATORS, INC., a California corporation ("ATPA"), SCOTT VANDEURSEN
      ("VanDeursen"), BRUCE L. BILLER (“Biller”), RONALD JENSEN (“Jensen”), and
      BENEFITS TECHNOLOGIES, LLC, a Delaware limited liability company (the "Company")
      (each party shall sometimes be referenced to herein
      as a
      "Party" and, collectively, as the "Parties"). 

     

    EXPLANATORY
      STATEMENT

     

    A. ATPA
      is a
      third party administrator of single and multi-employer employee benefit plans,
      including, without limitation, Taft-Hartley/ERISA benefit funds.

     

    B. TBOL
      is
      engaged in the business of designing, creating and maintaining interactive
      web
      sites for employee benefit plan participants and software application programs
      for the administration and management of employee benefit plans (the "TBOL
      Business").

     

    C. VanDeursen
      is the Chief Executive Officer of TBOL.

     

    D. ICI
      is
      engaged in the business of designing, creating and maintaining interactive
      web
      sites for Taft-Hartley employers and software application programs for the
      administration and management of employee benefit plans (the "ICI Business").
      Biller, the president of ICI, and Jensen, the vice president of ICI, together
      own all of the issued and outstanding capital stock of ICI (Biller and Jensen
      shall be referred to herein as the "ICI Stockholders").

     

    E. The
      Parties deem it advisable and in their best interests to contribute certain
      assets to the Company, so that, upon the consummation of the transactions
      contemplated by this Agreement, the Company will be capable of, among other
      things, designing, creating and maintaining interactive web sites for employee
      benefit plan participants and employers, and software application programs
      for
      the administration and management of employee benefit plans.

     

    F. ATPA
      and
      TBOL deem it advisable and in their best interest to contribute all of the
      assets relating to the TBOL Business to the Company, and
      certain assumed liabilities of the TBOL Business, in exchange for certain
      membership interests in the Company
      (the
      "ATPA Contribution"). The Parties agree that, at Closing (as defined below),
      the
      ATPA Contribution has a total value of $1 million.

     

    G. ICI
      and
      the ICI Stockholders deem it advisable and in their best interest to contribute
      all of those assets relating to the ICI Business to the Company and certain
      liabilities of the ICI Business, in exchange for a certain membership interest
      in the Company and the assumption of certain existing liabilities (the "ICI
      Contribution"). The Parties agree that, at Closing (as defined below), the
      ICI
      Contribution has a total value of $1 million.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    H. Prior
      to
      the execution of this Agreement, ATPA paid ICI nine hundred fifty thousand
      ($950,000) for, and ATPA has received, a non-exclusive beta license for certain
      software. 

     

    NOW,
      THEREFORE, in consideration of the mutual covenants of the parties as
      hereinafter set forth and other good and valuable consideration, the receipt
      and
      sufficiency of which hereby are acknowledged, the parties hereto hereby agree
      as
      follows: 

     

    1. CONTRIBUTION
      OF TBOL ASSETS TO THE COMPANY.
      

     

    1.1 Contribution
      of TBOL Assets to the Company.
      

     

    1.1.1 Immediately
      prior to the Closing, and as a condition precedent to the other transactions
      contemplated herein, ATPA shall transfer to TBOL (the "ATPA Assignment") the
      ATPA Assets (as defined in paragraph 1.1.4 below) free and clear of all Liens
      (as defined below).

     

    1.1.2 At
      Closing, TBOL shall contribute to the Company all of the TBOL Assets (as defined
      below) free and clear of all Liens.

     

    1.1.3 The
      term
      "TBOL Assets" shall mean (i) all of the ATPA Assets (as defined in paragraph
      1.1.4), and (ii) all assets and property owned or leased by TBOL that (together
      with the ATPA Assets) are necessary to conduct the TBOL Business, including,
      without limitation, the assets listed in Schedule 1.1.3
      as attached hereto and made a part hereof. 

     

    1.1.4 The
      term
      "ATPA Assets" shall mean all of the assets and property owned by ATPA (i.e.,
      as
      of the date hereof, prior to the consummation of the ATPA Assignment) that
      are
      necessary to conduct the TBOL Business and listed in Schedule
      1.1.4.

     

    1.1.5 The
      term
      "Liens" shall mean claims, liens, charges, restrictions, options, preemptive
      rights, mortgages, hypothecations, assessments, pledges, encumbrances, leases,
      conditional sales contracts, other title retentions, or security interests
      of
      any kind or nature whatsoever.

     

    1.2 Assumed
      TBOL Liabilities.
      At
      Closing, the Company shall assume and agree to pay, perform and discharge when
      due all Assumed TBOL Liabilities (as defined below) but excluding the Excluded
      TBOL Liabilities (as defined below).

     

    1.2.1 Assumed
      Contracts.
      At
      Closing, ATPA and TBOL, as the case may be, shall assign to the Company their
      respective contract rights with respect to those contracts identified as Assumed
      TBOL Contracts on Schedule 1.2.1
      and the Company shall assume the same (collectively, the "Assumed TBOL
      Contracts"). 

     

    1.2.2 TBOL
      401k Plan.
      At
      Closing, the TBOL 401k Plan (the "TBOL Plan") shall be retained as an obligation
      of TBOL, provided that, as soon as possible after the Closing, the Parties
      shall
      establish and implement an employee pension benefit plan, as defined in
      Section 3(2) of the Employee Retirement Income Security Act of 1974, as
      amended ("ERISA") for the benefit of Company employees (the “Company 401k Plan”)
      and shall thereafter, as soon as practicable and legally permissible, permit
      those employees of TBOL who become employees of the Company to join the Company
      401k Plan and to transfer individual account balances from the TBOL Plan to
      the
      Company 401k Plan.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    1.2.3 TBOL
      Liabilities.
      The
      Company shall assume at the Closing and thereafter pay and fully satisfy when
      due the indebtedness specifically listed on Schedule 1.2.3
      (the Assumed TBOL Contracts and those liabilities listed on Schedule
      1.2.3
      shall be referred to herein as the "Assumed TBOL Liabilities").

     

    1.2.4 Excluded
      TBOL Liabilities.
      Except
      as otherwise set forth herein, the Company will not assume, agree to pay,
      perform and discharge or in any way be responsible for any debts, liabilities
      or
      obligations of ATPA or TBOL of any kind or nature whether now or hereafter
      accrued and whether known, unknown, contingent or otherwise, including, without
      limitation, those liabilities listed on Schedule
      1.2.4
      (the "Excluded TBOL Liabilities"). The Excluded TBOL Liabilities shall remain
      the sole responsibility of and shall be paid, performed and discharged by TBOL
      and ATPA, as the case may be. 

     

    2. CONTRIBUTION
      OF ICI ASSETS TO THE COMPANY.
      

     

    2.1 ICI
      Assets.
      At
      Closing, ICI shall contribute to the Company all of the ICI Assets, free and
      clear of all Liens (except as otherwise set forth herein) including the Assumed
      Liabilities. The term “ICI Assets” shall mean all of the assets and property
      owned or leased by ICI that are necessary to conduct the ICI Business,
      including, without limitation, the assets described in Schedule 2.1.

     

    2.2 Excluded
      ICI
      Assets.
      Notwithstanding anything to the contrary contained herein, the ICI Assets do
      not
      include the assets not used in the ICI Business as specifically identified
      in
Schedule 2.2
      ("Excluded ICI Assets"). 

     

    2.3 Assumed
      Liabilities.
      At
      Closing, the Company shall assume and agree to pay, perform and discharge when
      due all of the Assumed ICI Liabilities (defined below), but excluding the
      Excluded ICI Liabilities. 

     

    2.3.1 Excluded
      ICI Liabilities.
      Except
      as otherwise set forth below, the Company will not assume, agree to pay, perform
      and discharge or in any way be responsible for any debts, liabilities or
      obligations of ICI of any kind or nature whether now or hereafter accrued and
      whether known, unknown, contingent or otherwise including, without limitation,
      those liabilities listed on Schedule
      2.3.1
      (the "Excluded ICI Liabilities"). The
      Excluded ICI Liabilities shall remain the sole responsibility of and shall
      be
      paid, performed and discharged by ICI.

     

    2.3.2 Assumed
      Contracts.
      At
      Closing, ICI shall assign to the Company its contract rights with respect to
      those contracts identified as Assumed Contracts on Schedule 2.3.2
      (collectively, the "Assumed ICI Contracts"). 

     

    2.3.3 ICI
      401k Plan.
      At
      Closing, the ICI 401k Plan (the "ICI Plan") shall be retained as an obligation
      of ICI subject to the provisions of section 2.5.5 below, provided that, as
      soon
      as possible after the Closing, the Parties shall establish and implement an
      employee pension benefit plan, as defined in Section 3(2) of the Employee
      Retirement Income Security Act of 1974, as amended ("ERISA") for the benefit
      of
      Company employees (the “Company 401k Plan”) and shall thereafter, as soon as
      practicable and legally permissible, permit those employees of ICI who become
      employees of the Company to join the Company 401k Plan and to transfer
      individual account balances from the ICI Plan to the Company 401k
      Plan.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    2.3.4 Assumed
      ICI Liabilities.
      The
      Company will assume at the Closing and thereafter pay and fully satisfy when
      due
      the indebtedness specifically listed on Schedule 2.3.4
      (the Assumed ICI Contracts and those liabilities listed on Schedule 2.3.4 shall
      be referred to herein as the "Assumed ICI Liabilities"). 

     

    2.4 New
      Promissory Notes.

     

    2.4.1 At
      Closing, the Company shall assume ICI's payment obligations in the approximate
      amounts set forth below (collectively, “Friendly Debt”), which are owed to each
      of the parties set forth opposite each dollar amount (each a "Note
      Holder"):

     

    2.4.1.1 Charles
      Biller - $50,000;

     

    2.4.1.2 Systems
      Solutions Group - $13,362;

     

    2.4.1.3 Fruth
      Consulting - $23,318;

     

    2.4.1.4 Ben
      Tapia
      - $24,000; and

     

    2.4.1.5 Vincenti,
      Lloyd & Stutzman - $22,100.

     

    2.4.2  At
      Closing, the Company shall execute and deliver a subordinated promissory note,
      in the form of Exhibit
      A (each,
      a "Subordinated Note"), to each Note Holder, whereby the Company shall satisfy
      the outstanding principal due thereunder from its "available cash," as that
      term
      is defined in the Subordinated Note, as approved by the Company’s Board of
      Directors. In
      addition, each Note Holder shall execute (i) an Intercreditor Agreement, in
      the
      form of Exhibit
      B, as
      attached hereto (the "Intercreditor Agreement") (which shall include a general
      release of ICI and the ICI Stockholders).

     

    2.5 Retained
      Obligations - Individual ICI Creditors.

     

    2.5.1 ICI
      shall
      retain the receivable from Adminisoft, Inc. and, to the extent expressly agreed
      by ICI, retain revenue from ICI’s discontinued VMS product (the “VMS Revenue”)
      and shall apply any collections from these revenue sources toward ICI's existing
      payable to the following parties in the approximate amounts set forth below
      (collectively, “Investor Debt”) which are owed to each of the parties set forth
      opposite each dollar amount (each an "Individual ICI Creditor"):

     

    2.5.1.1 Bruce
      Biller - $133,380;

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    2.5.1.2 Ron
      Jensen - $52,838; and

     

    2.5.1.3 Ken
      Lewis
      - $28,000.

     

    2.5.2 Except
      as
      otherwise set forth below, the obligations listed above in this Section
      2.5
      shall be satisfied, pari passu, from the gross revenue received from Adminisoft,
      Inc. under such ICI receivable and from the VMS Revenue. 

     

    2.5.3 In
      the
      event that the revenue from the sources described in section 2.5.2 has not
      satisfied the amounts owed to the Individual ICI Creditors by the earlier of
      (a)
      the date on which the payments from such sources fall below $2,000 for two
      (2)
      consecutive months, or (b) the thirty-six (36) month anniversary of the Closing
      Date (the "Adminisoft Payment Period"), then: (1) the Company shall assume
      such
      debts owed to the Individual ICI Creditors, and the Company shall provide each
      Individual ICI Creditor with a Subordinated Note, in the form of Exhibit A,
      for
      the outstanding balance owed to each Individual ICI Creditor, whereby the
      Company shall satisfy the outstanding principal due thereunder from its
      "available cash," as that term is defined in the Subordinated Note, as approved
      by the Company’s Board of Directors; and (2) ICI shall transfer and assign such
      revenues to the Company. In addition, as a condition precedent to the Company
      providing the Individual ICI Creditors the Subordinated Notes, each of the
      Individual ICI Creditors shall enter into an Intercreditor Agreement, in a
      form
      required by the Company, and similar to that provided in Section
      2.4.2
      above.

     

    2.5.4 Within
      15
      days following the end of each quarter during the term of the Adminisoft Payment
      Period, ICI shall deliver a written report (a "Report") to the Company, ATPA,
      TBOL and VanDeursen, which Report reflects (i) all gross receipts under the
      Adminisoft Obligation, including VMS, collected during the immediately preceding
      quarter, and all related underlying documentation related thereto as reasonably
      requested by the Company or any of the parties hereto; and (ii) the amount
      of
      all prior payments made to each of the Individual ICI Creditors and the
      outstanding principal and interest owed to each such creditor.

     

    2.5.5 Retained
      Obligations - Priority Institutional Creditors.
      In
      addition to the Individual ICI Creditor obligations, ICI shall retain the
      liability for the Wells Fargo, Employment Development Division, 401(k)
      liabilities, and certain related costs and expenses listed in Schedule
      2.3.1
      (collectively, the “Priority Institutional Creditors”). As an express condition
      to ICI’s willingness to enter into this Agreement and transfer the ICI Assets to
      the Company, and as part consideration therefore, ATPA and the Company have
      agreed to execute and deliver, or cause to be executed and delivered, that
      certain ICI “WebERF” Software License Agreement with ICI of even date in the
      form attached hereto as Exhibit
      C (the
“License Agreement”). Among other things, the License Agreement provides for the
      following: 

     

    2.5.5.1 The
      term
      of the License Agreement shall be that period of time that any amounts remain
      outstanding and owing to the Priority Institutional Creditors (the “License
      Agreement Term”); 

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    2.5.5.2 During
      the License Agreement Term, and so long as any amounts remain outstanding under
      obligations to the Priority Institutional Creditors, ICI shall retain ownership
      of the WebERF software product;

     

    2.5.5.3 During
      the License Agreement Term, ATPA shall receive and ICI shall provide certain
      ongoing license and maintenance rights and obligations, as applicable, with
      respect to the WebERF product, as set forth in the License Agreement, in
      exchange for the payments from ATPA provided therein; 

     

    2.5.5.4 At
      the
      end of the License Agreement Term, upon payment by the Company of any balance
      then outstanding with respect to the Priority Institutional Creditors, and
      upon
      ICI’s receipt of releases from the Priority Institutional Creditors regarding
      such obligations, the Company shall purchase the WebERF product from ICI for
      the
      sum of one-hundred dollars ($100.00); 

     

    2.5.5.5 The
      Company shall provide, at no cost to ICI, the workforce necessary to perform
      the
      License Agreement during the License Agreement Term; 

     

    2.5.5.6 To
      secure
      the performance of the License Agreement by ATPA, ATPA shall pledge one-half
      (1/2) of its membership interest in the Company (as of the date hereof, such
      pledge shall equal a twenty percent (20%) membership interest) (the “Pledge
      Amount”), which interest shall transfer to ICI upon default by ATPA under the
      License Agreement. The Pledge Amount shall be reduced by fifteen percent (15%)
      of the total initial Pledge Amount for every $100,000 paid pursuant to the
      License Agreement; provided
      that,
      during
      the License Agreement Term the Pledge Amount shall never be reduced below an
      amount such that the sum of ICI’s membership interest and the Pledge Amount is
      less than fifty-one percent (51%) of the total voting membership interest of
      the
      Company; and provided
      further,
      that in
      the event of issuances of additional voting membership interests of the Company
      or other diluting events during the License Agreement Term, the Pledge Amount
      shall be adjusted (including increased, as applicable, but not above one-half
      of
      ATPA’s total membership interest), to meet the minimum fifty-one percent (51%)
      requirement. 

     

    2.5.6 Within
      15
      days following the end of each quarter during the License Agreement Term, ICI
      shall deliver a written report (the "Report") to the Company, ATPA, TBOL and
      VanDeursen, which Report reflects the outstanding balance owed to the Priority
      Institutional Creditors.

     

    3. ISSUANCE
      OF UNITS.

     

    3.1 In
      exchange and as consideration for the contribution of the TBOL Assets to the
      Company at Closing, and the agreement to assume, pay, perform and discharge
      the
      Assumed TBOL Liabilities, the Company shall issue to ATPA that number of units
      of ownership in the Company (the "Units") which shall be equal to forty percent
      (40%) of the issued and outstanding Units
      in the
      Company.
      

     

    3.2 In
      exchange and as consideration for the contribution of the ICI Assets to the
      Company at Closing, and the agreement to assume, pay, perform and discharge
      the
      Assumed ICI Liabilities, the Company shall issue ICI that
      total number of Units which shall be equal to forty percent (40%) of the issued
      and outstanding Units
      in the
      Company.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    3.3 In
      exchange and as consideration for the contribution of one dollar ($1.00) from
      VanDeursen to the Company at Closing, the Company shall issue to VanDeursen
      that
      number of Units which shall be equal to twenty percent (20%) of the issued
      and
      outstanding Units in the Company.

     

    3.4 At
      Closing, the Company, ICI, ATPA and VanDeursen (ICI, ATPA and VanDeursen shall
      be collectively referred to as the "Members") shall execute the LLC Agreement,
      in the form attached hereto as Exhibit D.

     

    4. BUSINESS
      AGREEMENTS TO BE EXECUTED AT OR BEFORE CLOSING.

     

    4.1 At
      or
      before Closing, the Company shall enter into the following agreements (the
      "Services Agreements"):

     

    4.1.1 a
      consulting agreement, in the form of Exhibit E,
      whereby the Company will provide technical services to ATPA for existing Oracle
      based applications; 

     

    4.1.2 an
      administrative services agreement, in the form of Exhibit F,
      whereby ATPA shall agree to provide the Company with accounting and financial
      services and human resource services; 

     

    4.1.3 Conversion,
      Configuration and Implementation Services Agreement for ATPA's existing
      customers; 

     

    4.1.4 Software-As-A-Service Agreement to run ATPA's
      business on the Company's software;

     

    4.1.5 Non-Exclusive
      Beta License Agreement for ATPA's right to use PlanIt for its
      customers;

     

    4.1.6 Maintenance
      and Support Agreement once ATPA's customers go live on PlanIt;

     

    5. CLOSING.
      Closing
      of the transactions contemplated by this Agreement (the "Closing") shall take
      place at the offices of Shapiro Buchman Provine & Patton, LLP, 1333 N.
      California Boulevard, Suite 350, Walnut Creek, California, on or before 12:01
      a.m. on March 1, 2008 (the "Closing Date"), or at any other time or place upon
      which the parties agree (including, without limitation, by way of
      facsimile).

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    6. TRANSACTION
      DOCUMENTS TO BE DELIVERED AT CLOSING.

     

    6.1 Documents
      of TBOL and ATPA.
      At the
      Closing, ATPA and/or TBOL, as the case may be, shall deliver, execute and
      deliver, or cause to be executed and delivered to the Company:

     

    6.1.1 the
      LLC
      Agreement;

     

    6.1.2 the
      License Agreement;

     

    6.1.3 Services
      Agreements (as applicable); 

     

    6.1.4 a
      bill of
      sale executed by TBOL in the form of Exhibit G,
      whereby the TBOL Assets and the ATPA Assets will be assigned to the
      Company;

     

    6.1.5 an
      Assignment and Assumption Agreement, in the form of Exhibit H
      (the "TBOL Assignment Agreement") for the Assumed TBOL Liabilities;

     

    6.1.6 a
      Business Protection Agreement, in the form of Exhibit I
      for ATPA and TBOL;

     

    6.1.7 all
      written warranties, guarantees, or similar documents which are in ATPA's or
      TBOL's possession and which relate to the TBOL Assets;

     

    6.1.8 any
      transferable licenses applicable to the TBOL Business or the TBOL Assets and
      any
      forms which are necessary or required in order to assign or transfer to the
      Company those licenses and permits;

     

    6.1.9 the
      written certificate of TBOL's Secretary, in the form of Exhibit J;

     

    6.1.10 the
      written certificate of TBOL's President in the form of Exhibit L,
      certifying that all of the representations and warranties set forth in
Section 7
      are true and correct as of the Closing Date and that all of TBOL's covenants
      and
      obligations contained hereunder have been fully performed or satisfied, as
      the
      case may be, as of the Closing Date; 

     

    6.1.11 Certificate
      of Status from the State of Delaware certifying that TBOL is in good
      standing;

     

    6.1.12 a
      certified copy of the filed Certificate of Amendment changing TBOL's name to
      a
      name that does not use any word (other than a word indicating the limited
      liability company form) currently used in TBOL's name;

     

    6.1.13 Authorizing
      resolutions of TBOL approving the transaction contemplated by this Agreement,
      and the execution of the documents required hereunder; and

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    6.1.14 Authorizing
      resolutions of ATPA approving the transaction contemplated by this Agreement,
      and the execution of the documents required hereunder;

     

    6.1.15 Assignment
      and Assumption of Lease and Landlord Consent for the real property lease
      presently held by TBOL (the "TBOL Lease Assignment"); and

     

    6.1.16 The
      Assignment and Assumption of the co-location (Cage) Lease, and the Cage
      Equipment Lease (collectively, the "Cage Lease Assignment").

     

    6.2 Documents
      of ICI.
      At the
      Closing, ICI (or the ICI Stockholders, as the case may be) shall deliver,
      execute and deliver, or cause to be executed and delivered to the
      Company:

     

    6.2.1 the
      LLC
      Agreement;

     

    6.2.2 the
      License Agreement;

     

    6.2.3 the
      Services Agreements (as applicable) executed by the ICI Stockholders;

     

    6.2.4 a
      Bill of
      Sale executed by ICI, in the form of Exhibit N;
      whereby the ICI Assets will be assigned to the Company;

     

    6.2.5 an
      Assignment and Assumption Agreement, in the form of Exhibit O
      (the "ICI Assignment Agreement") for the Assumed ICI liabilities;

     

    6.2.6 a
      Business Protection Agreement, in the form of Exhibit I
      executed by ICI and the ICI Stockholders;

     

    6.2.7 the
      Subordinated Notes from the Note Holders;

     

    6.2.8 the
      Intercreditor Agreement from the Note Holders;

     

    6.2.9 all
      written warranties, guarantees, or similar documents which are in ICI's
      possession and which relate to the ICI Assets;

     

    6.2.10 any
      transferable licenses applicable to the ICI Business or the ICI Assets and
      any
      forms which are necessary or required in order to assign or transfer to the
      Company those licenses and permits;

     

    6.2.11 the
      written certificate of ICI's Secretary, in the form of Exhibit P;

     

    6.2.12 the
      written certificate of ICI's President in the form of Exhibit Q
      that all of the representations and warranties set forth in Section 10
      are true and correct as of the Closing Date and that all of ICI's covenants
      and
      obligations contained hereunder have been fully performed or satisfied, as
      the
      case may be, as of the Closing Date;

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    6.2.13 a
      Certificate of Status from the State of California certifying that ICI in good
      standing;

     

    6.2.14 Assignment
      and Assumption of Lease and Landlord Consent (the "ICI Lease Assignment") for
      the real property lease presently held by ICI (the "ICI Lease Assignment");
      and

     

    6.2.15 Authorizing
      resolutions of ICI’s Board of Directors and the ICI Stockholders approving the
      transaction contemplated by this Agreement, and the execution of the documents
      required hereunder.

     

    6.3 Documents
      of VanDeursen.
      At the
      Closing, VanDeursen shall deliver, execute and deliver, or cause to be executed
      and delivered to the Company:

     

    6.3.1 the
      LLC
      Agreement;

     

    6.3.2 the
      Services Agreements (as applicable);

     

    6.3.3 a
      Business Protection Agreement; and 

     

    6.3.4 One
      Dollar ($1.00).

     

    6.4 Documents
      of the Company.
      At or
      within a reasonable time after the Closing, the Company shall deliver, execute
      and deliver, or cause to be executed and delivered to the other Parties (as
      applicable):

     

    6.4.1 the
      LLC
      Agreement; 

     

    6.4.2 the
      Subordinated Notes (to the Note Holders) and the Intercreditor
      Agreement;

     

    6.4.3 Services
      Agreements; 

     

    6.4.4 the
      ICI
      Assignment Agreement;

     

    6.4.5 the
      TBOL
      Assignment Agreement;

     

    6.4.6 a
      Certificate of Status from the State of Delaware certifying that the Company
      is
      in good standing.

     

    6.4.7 Authorizing
      resolutions of the Company approving the transaction contemplated by this
      Agreement, and the execution of the documents required hereunder; 

     

    6.4.8 the
      ICI
      Lease Assignment.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    6.4.9 the
      TBOL
      Lease Assignment; 

     

    6.4.10 the
      Cage
      Lease Assignment; and

     

    6.4.11 the
      License Agreement.

     

    7. REPRESENTATIONS
      AND WARRANTIES OF ATPA AND TBOL.
      ATPA
      and TBOL, jointly and severally, represent and warrant to all of the other
      Parties, as of the date of this Agreement and as of the Closing,
      that:

     

    7.1 Organization
      of ATPA.
      ATPA is
      a corporation duly organized, validly existing, and in good standing under
      the
      laws of the State of California; is qualified to transact business as a foreign
      Company in and is in good standing under the laws of each other state or
      jurisdiction where the nature of its business or other activities requires
      it to
      be qualified; and has all requisite corporate power and authority to own,
      operate, and lease its properties, to carry on its business as now being
      conducted, to enter into this Agreement, and to carry out the contemplated
      transactions.

     

    7.2 Organization
      of TBOL.
      TBOL is
      a limited liability company duly organized, validly existing, and in good
      standing under the laws of the State of Delaware; is qualified to transact
      business as a foreign company in and is in good standing under the laws of
      each
      other state or jurisdiction where the nature of its business or other activities
      requires it to be qualified; and has all requisite company power and authority
      to own, operate, and lease its properties, to carry on its business as now
      being
      conducted, to enter into this Agreement, and to carry out the contemplated
      transactions. ATPA is the sole member of TBOL.

     

    7.3 Authorization.
      The
      execution, delivery and performance of this Agreement and the contemplated
      transactions have been duly approved by the directors and stockholders of ATPA
      and as otherwise required by the governing documents of ATPA and TBOL; this
      Agreement has been properly executed by the duly-authorized officers of ATPA
      and
      TBOL; and this Agreement is the valid and binding obligation of ATPA and TBOL
      and is enforceable in accordance with its terms. 

     

    7.4 No
      Violation.
      The
      execution, delivery and performance of this Agreement and the consummation
      of
      the contemplated transactions will not violate the terms of the charter or
      bylaws of ATPA, the certificate of formation or the limited liability company
      agreement of TBOL and any other agreement to which ATPA or TBOL is a party,
      or
      any order, judgment, or decree applicable to ATPA or TBOL.

     

    7.5 Title
      to TBOL Assets.
      Except
      as set forth on Schedule
      7.5,
      ATPA is the owner of and has good and marketable title to the ATPA Assets free
      and clear of all Liens. Immediately prior to Closing, TBOL will be the owner
      of
      and have good and marketable title to the TBOL Assets and the TBOL Business,
      free and clear of all Liens.

     

    7.6 Tangible
      TBOL Personal Property.
      Schedule 7.6
      attached to this Agreement contains a list of all tangible personal property
      used in the TBOL Business ("Tangible TBOL Personal Property") owned or leased
      by
      ATPA or TBOL (as such ownership is identified on that Schedule 7.6).
      In ATPA’s and TBOL's judgment, the Tangible TBOL Personal Property listed on
Schedule 7.6
      is all of the tangible personal property necessary for the conduct of the TBOL
      Business as previously and currently conducted.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    7.7 Intangible
      TBOL Personal Property.
      Schedule 7.7
      attached to this Agreement contains a list of all intangible personal property
      with respect to the TBOL Business, owned, leased or licensed by ATPA and TBOL
      (the "Intangible TBOL Personal Property"). This list was prepared in good faith
      by ATPA and TBOL for attachment to this Agreement. The Intangible TBOL Personal
      Property listed on Schedule 7.7
      is all of the intangible personal property, necessary for the conduct of the
      TBOL Business as previously and currently conducted.

     

    7.8 Contracts.
      Schedule 7.8
      attached to this Agreement contains a list of all oral or written contracts
      or
      commitments that relate to the TBOL Business and to which ATPA or TBOL is a
      party or by which it may be bound. This list was prepared in good faith by
      ATPA
      and TBOL for attachment to this Agreement and includes (without limitation):
      (i) each contract or commitment involving more than $10,000 for the
      purchase or sale of capital assets, equipment, supplies, products, or services;
      (ii) all contracts with or commitments involving more than $1,000 to any
      present or former employee or consultant; (iii) all non-competition
      covenants; (iv) all contracts or commitments evidencing loans or other
      financing; (v) all leases; and (vi) all other contracts and
      commitments which are, individually or in the aggregate, material as to amount
      or effect on the TBOL Business or any of the ATPA Assets or the TBOL Assets.
      Except as set forth in Schedule 7.8,
      each contract or commitment is valid, binding, and fully enforceable in
      accordance with its respective terms except to the extent that enforceability
      may be limited by (a) bankruptcy, insolvency, reorganization, moratorium,
      or similar laws now or hereafter in effect relating to the rights and remedies
      of creditors generally and (b) general principles of equity. Except as set
      forth in Schedule 7.8,
      each contract or commitment that contains a term of more than 60 days, or that
      is not terminable on 60 days or less notice, is fully and freely assignable
      to
      the Company without creating an event of default or imposing any other penalty.
      No occurrence or circumstance is known by ATPA or TBOL to exist which would
      constitute a breach or default thereunder by ATPA or TBOL or any other party
      under any contract or commitment. None of the contracts or commitments will
      be
      binding upon the Company or will impose any obligation upon the Company unless
      assumed by the Company.

     

    7.9 Consents
      and Approvals.
      Except
      as set forth on Schedule
      7.9, no
      consent, approval, or authorization of or designation, declaration, or filing
      with any governmental authority or other person or entity is required on the
      part of ATPA or TBOL in connection with the execution, delivery or performance
      of this Agreement or the consummation of the contemplated transactions or the
      operation of the TBOL Business by the Company.

     

    7.10 Other
      Agreements.
      Neither
      ATPA nor TBOL is a party to any agreement or instrument or subject to any
      charter or other company restriction or any judgment, order, writ, injunction,
      rule, or regulation which materially and adversely affects the TBOL Business
      or
      the operations, prospects, properties, assets, or condition (financial or
      otherwise) of TBOL.

     

    7.11 Suits
      and Proceedings.
      No
      suit, action, litigation, administrative proceeding, arbitration proceeding,
      governmental proceeding, investigation, inquiry, or other proceeding is pending
      or, to the knowledge of ATPA or TBOL, threatened against TBOL or the TBOL
      Business, including with respect to any claim by Thomas Havey LLP or Chris
      Arentz. TBOL has not received, and does not have reason to believe that it
      will
      receive, oral or written notice of any claim or violation under any inquiry,
      law, ordinance, requirement, regulation, or order applicable to the TBOL
      Business or the TBOL Assets, including with respect to any claim by Thomas
      Havey
      LLP or Chris Arentz.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    7.12 Impediments
      to Use, Etc.
      There
      exists no easement, license, grant, restrictive covenant, zoning ordinance,
      environmental law or ordinance, building ordinance, or any other law, rule,
      regulation, or impediment of any kind which prohibits, interferes with, limits
      or impairs, or would prohibit, interfere with, limit, or impair the use,
      operation or maintenance of the TBOL Business or the TBOL Assets. To the
      knowledge of ATPA and TBOL, no change in the environmental, zoning, or building
      laws, regulations, or ordinances is pending or threatened which might singularly
      or in the aggregate have a material adverse effect on the financial condition
      of
      the TBOL Business, or the TBOL Assets.

     

    7.13 Compliance
      with Laws.
      To the
      best of the knowledge of ATPA and TBOL, ATPA and TBOL have fully complied with
      all federal, state, and local laws, rules, regulations, and administrative
      directives which apply to or materially affect the conduct and operation of
      the
      TBOL Business.

     

    7.14 Tax
      Returns.
      Each of
      ATPA and TBOL has filed all tax returns, of every kind, nature, or description,
      required to be filed by ATPA and TBOL and has paid or remitted to the proper
      authority all taxes and assessments, including, without limitation, all excise
      taxes, sales taxes, payroll withholding taxes, FICA taxes, unemployment taxes,
      and personal property taxes, which are required to be paid or remitted by ATPA
      and TBOL, and has established adequate reserves for the payment of all taxes
      and
      other governmental charges for the current period which are not yet
      due.

     

    7.15 Financial
      Statements.
      TBOL's
      unaudited financial statements for the periods ending December 31, 2006 and
      September 30, 2007, copies of which are attached to this Agreement as
Schedule 7.15,
      are true, correct, and complete and have been prepared in accordance with
      generally accepted accounting principles applied on a consistent basis and
      fairly present the financial position of TBOL as of the date of the statements
      and the results of TBOL's operations for the periods covered by the statements.
      There has been no material adverse change in the financial condition of TBOL
      since the date of the most recent financial statements.

     

    7.16 Records
      of Business.
      The
      records of the TBOL Business are true and complete in all material respects,
      and
      there are no material matters as to which appropriate entries have not been
      made
      in the records.

     

    7.17 Change
      of Name, Etc.
      During
      the period that TBOL has been in existence, TBOL has not changed its name or
      been involved in any merger, reorganization, or other proceeding whereby its
      name has been changed.

     

    7.18 Trade
      Name.
      TBOL
      conducts the TBOL Business and has always conducted its business solely under
      the name of "Trust Benefits Online" or "TBOL" and under no other name. To the
      knowledge of ATPA and TBOL, no other person has a claim to the use of that
      name,
      and TBOL’s use of that name does not infringe upon or violate the proprietary
      right of any person or entity.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    7.19 Employee
      Benefits.
      Except
      as set forth in Schedule
      7.19,
      TBOL does not maintain or contribute to (nor has it ever maintained or
      contributed to): (i) any employee pension benefit plan, as defined in
      Section 3(2) of the Employee Retirement Income Security Act of 1974, as
      amended ("ERISA"); (ii) any employee welfare benefit plan, as defined in
      Section 3(1) of ERISA; (iii) any stock option, stock purchase, stock
      ownership, bonus, performance, or incentive plan or arrangement; (iv) any
      plan or program providing noncash compensation or benefits, whether or not
      taxable to the recipient; (v) any plan or arrangement providing
      compensation or benefits upon a severance of employment, reduction in hours,
      or
      change of employment classification; (vi) any vacation, sick, holiday, or
      other leave policy or program; or (vii) any other plan, agreement,
      arrangement, or understanding (whether oral or written) which is similar to
      any
      of the foregoing in respect of its employees. 

     

    7.20 Acquisition
      of Assets.
      To
      ATPA’s and TBOL's knowledge, ATPA and TBOL have acquired the TBOL Assets solely
      from persons or entities who sell similar property in the ordinary course of
      business. 

     

    7.21 Licenses
      and Permits.
      TBOL
      has all licenses and permits necessary to conduct the TBOL Business as it is
      now
      being conducted and has paid all fees and charges due in connection therewith,
      except where such failure would not have a material adverse effect.

     

    7.22 Insurance.
      TBOL
      has delivered to the other Parties true and complete copies of all policies
      of
      insurance under which TBOL is a party or is or has been covered at any time
      within the three (3) years preceding the date of this Agreement.

     

    7.23 Employees.
      Schedule 7.23
      to this Agreement contains a complete and accurate list of each employee of
      TBOL
      (the "TBOL Employees") that are (or have been in the past) involved in the
      TBOL
      Business, including each employee on leave of absence or layoff status, stating
      name, employer, current compensation paid or payable and any change in
      compensation since December 31, 2005, vacation accrued and service credited
      for purposes of vesting and eligibility to participate under any of the employee
      benefit plans. No TBOL Employee is a party to, or otherwise bound by, any
      agreement that in any way adversely affects or will affect the performance
      of
      the employee's duties as an employee of TBOL. To the knowledge of ATPA and
      TBOL,
      no key employee of TBOL intends to terminate that employee's employment with
      TBOL.

     

    7.24 Absence
      of Certain Changes and Events.
      Except
      as set forth on Schedule 7.24
      to this Agreement, since December 31, 2007, ATPA and TBOL have conducted the
      TBOL business only in the ordinary course and there has not been
      any:

     

    7.24.1 change
      in
      the authorized or issued capital stock of TBOL; grant of any stock option or
      right to purchase shares of capital stock of TBOL; issuance of any security
      convertible into such capital stock; grant of any registration rights; purchase,
      redemption, retirement, or other acquisition of any shares of any such capital
      stock; or declaration or payment of any dividend or other distribution or
      payment in respect of shares of such capital stock;

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    7.24.2 change
      in
      the outstanding ownership of TBOL; grant of any option or right to purchase
      ownership in TBOL; issuance of any security convertible into such ownership
      in
      TBOL; 

     

    7.24.3 payment
      or increase by ATPA or TBOL of any bonuses, salaries, or other compensation
      to
      any stockholder, director, officer, or (except in the ordinary course of
      business) employee of TBOL or entry into any employment, severance, or similar
      contract with any director, officer, or employee of TBOL;

     

    7.24.4 adoption
      of, or increase in the payments to or benefits under, any profit sharing, bonus,
      deferred compensation, savings, insurance, pension, retirement, or other
      employee benefit plan for or with any employees of TBOL;

     

    7.24.5 damage
      to
      or destruction or loss of any asset or property, whether or not covered by
      insurance, materially and adversely affecting the properties, assets, business,
      financial condition, or prospects of TBOL, taken as a whole;

     

    7.24.6 entry
      into, termination of, or receipt of notice of termination of (i) any license,
      distributorship, dealer, sales representative, joint venture, credit, or similar
      agreement, or (ii) any contract or transaction involving a total remaining
      commitment by or to TBOL of at least $10,000; 

     

    7.24.7 sale,
      lease, or other disposition of any asset or property, or mortgage, pledge,
      or
      imposition of any lien or other encumbrance on any material asset or property,
      including the sale, lease, or other disposition of any of the intellectual
      property assets;

     

    7.24.8 cancellation
      or waiver of any claims or rights with a value to TBOL in excess of $10,000;
      

     

    7.24.9 material
      change in the accounting methods used by TBOL; or

     

    7.24.10 agreement,
      whether oral or written, by ATPA or TBOL to do any of the
      foregoing.

     

    7.25 Disclosures.
      No
      representation, warranty, or covenant made by either ATPA or TBOL herein, or
      in
      any certificate or document furnished or delivered by either ATPA or TBOL to
      the
      Company, contains or will contain any untrue statement of a material fact or
      omits or will omit any material fact necessary to make the statements contained
      herein or therein not misleading.

     

    7.26 Representations
      and Warranties True as of Closing.
      All
      representations and warranties contained herein will be true and correct as
      of
      the Closing.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    7.27 Knowledge.
      For
      purposes of this Section 7,
      the terms "knowledge," and "known," and words of similar import shall mean
      the
      current, conscious and actual knowledge, after due inquiry and investigation,
      of
      the senior management of ATPA and TBOL.

     

    8. REPRESENTATIONS
      AND WARRANTIES OF ICI and ICI Stockholders.
      ICI and
      the ICI Stockholders, jointly and severally, represent and warrant to the other
      Parties, as of the date of this Agreement and as of the Closing,
      that:

     

    8.1 Organization
      of ICI.
      ICI is
      a Corporation duly organized, validly existing, and in good standing under
      the
      laws of the State of California; is qualified to transact business as a foreign
      corporation in and is in good standing under the laws of each other state or
      jurisdiction where the nature of its business or other activities requires
      it to
      be qualified; and has all requisite corporate power and authority to own,
      operate, and lease its properties, to carry on its business as now being
      conducted, to enter into this Agreement, and to carry out the contemplated
      transactions.

     

    8.2 Authorization.
      The ICI
      directors and the ICI Stockholders have duly approved the execution, delivery
      and performance of this Agreement and the contemplated transactions; this
      Agreement has been properly executed by the duly-authorized officers of ICI;
      and
      this Agreement is the valid and binding obligation of ICI and is enforceable
      in
      accordance with its terms. The ICI Stockholders own all of the issued and
      outstanding capital stock in ICI. 

     

    8.3 No
      Violation.
      Except
      as set forth in Schedule
      8.3, the
      execution, delivery and performance of this Agreement and the consummation
      of
      the contemplated transactions will not violate the terms of ICI's charter,
      bylaws, any agreement to which ICI is a party, or any order, judgment, or decree
      applicable to ICI.

     

    8.4 Title
      to Assets.
      Except
      as set forth in Schedule
      8.4, ICI
      is the owner of and has good and marketable title to the ICI Assets and the
      ICI
      Business, free and clear of all Liens.

     

    8.5 Tangible
      ICI Personal Property.
      Schedule 8.5
      attached to this Agreement contains a list of all material tangible personal
      property owned or leased by ICI (the "Tangible ICI Personal Property"). This
      list was prepared in good faith by ICI for attachment to this Agreement. In
      ICI's judgment, the Tangible ICI Personal Property listed on Schedule 8.5
      is all of the tangible personal property necessary for the conduct of the ICI
      Business as previously and currently conducted.

     

    8.6 Intangible
      ICI Personal Property.
      Schedule 8.6
      attached to this Agreement contains a list of all intangible personal property
      owned, leased or licensed by ICI (the "Intangible ICI Personal Property").
      This
      list was prepared in good faith by ICI for attachment to this Agreement. The
      Intangible ICI Personal Property listed on Schedule 8.6
      is, in ICI's judgment, all of the intangible personal property necessary for
      the
      conduct of the ICI Business as previously and currently conducted.

     

    8.7 Contracts.
      Schedule 8.7
      attached to this Agreement contains a list of all oral or written contracts
      or
      commitments to which ICI is a party or by which it is bound. This list was
      prepared in good faith by ICI for attachment to this Agreement and includes
      (without limitation): (i) each contract or commitment involving more than
      $10,000 for the purchase or sale of capital assets, equipment, supplies,
      products, or services; (ii) all contracts with or commitments involving
      more than $10,000 to any present or former employee or consultant;
      (iii) all non-competition covenants; (iv) all contracts or commitments
      evidencing loans or other financing; (v) all leases; and (vi) all
      other contracts and commitments which are, individually or in the aggregate,
      material as to amount or effect on ICI or any of the ICI Assets. Each contract
      or commitment listed in Schedule 8.7
      represents a valid, binding, and enforceable right or obligation in accordance
      with its respective terms except to the extent that enforceability may be
      limited by (a) bankruptcy, insolvency, reorganization, moratorium, or
      similar laws now or hereafter in effect relating to the rights and remedies
      of
      creditors generally and (b) general principles of equity. Except as set
      forth in Schedule 8.7,
      each contract or commitment that contains a term of more than 60 days, or that
      is not terminable on 60 days or less notice is fully and freely assignable
      to
      the Company without creating an event of default or imposing any other penalty.
      Except as set forth in Schedule
      8.7, no
      occurrence or circumstance is known by ICI to exist which would constitute
      a
      breach or default thereunder by ICI or any other party under any contract or
      commitment, which breach or default would have a material adverse effect on
      ICI
      or the ICI Assets. None of the contracts or commitments will be binding upon
      the
      Company or will impose any obligation upon the Company unless assumed by the
      Company.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    8.8 Consents
      and Approvals.
      Except
      as set forth in Schedule
      8.8, no
      consent, approval, declaration, or filing with any governmental authority or
      other person or entity is required on the part of ICI in connection with the
      execution, delivery or performance of this Agreement or the consummation of
      the
      contemplated transactions or the operation of the ICI Business by the
      Company.

     

    8.9 Other
      Agreements.
      ICI is
      not a party to any agreement or instrument or subject to any charter or other
      corporate restriction or any judgment, order, writ, injunction, rule, or
      regulation which materially and adversely affects the ICI Business, the ICI
      Assets, or the operations, prospects, properties, assets, or condition
      (financial or otherwise) of ICI.

     

    8.10 Suits
      and Proceedings.
      Except
      as set forth on Schedule
      8.10, no
      suit, action, litigation, administrative proceeding, arbitration proceeding,
      governmental proceeding, investigation, inquiry, or other proceeding is pending
      or, to the best of ICI's knowledge, threatened against ICI or the ICI Business.
      Except as set forth on Schedule
      8.10,
      ICI has not received, and does not have reason to believe that it will receive,
      oral or written notice of any claim or violation under any inquiry, law,
      ordinance, requirement, regulation, or order applicable to the ICI Business
      or
      the ICI Assets.

     

    8.11 Impediments
      to Use, Etc.
      To the
      best of ICI’s knowledge, there exists no easement, license, grant, restrictive
      covenant, zoning ordinance, environmental law or ordinance, building ordinance,
      or any other law, rule, regulation, or impediment of any kind which prohibits,
      interferes with, limits or impairs, or would prohibit, interfere with, limit,
      or
      impair the use, operation or maintenance of the ICI Business or the ICI Assets
      in any material way. To the best of ICI's knowledge, no change in the
      environmental, zoning, or building laws, regulations, or ordinances is pending
      or threatened which might singularly or in the aggregate have a material adverse
      effect on the financial condition of ICI, the ICI Business or the ICI
      Assets.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    8.12 Compliance
      with Laws.
      Except
      as set forth on Schedule
      8.12, to
      the best of ICI's knowledge, ICI has fully complied with all federal, state,
      and
      local laws, rules, regulations, and administrative directives which apply to
      or
      materially affect the conduct and operation of the ICI Business.

     

    8.13 Tax
      Returns.
      Except
      as set forth on Schedule
      8.13,
      ICI has filed all tax returns, of every kind, nature, or description, required
      to be filed by ICI and to its knowledge has paid or remitted to the proper
      authority all taxes and assessments, including, without limitation, all excise
      taxes, sales taxes, payroll withholding taxes, FICA taxes, unemployment taxes,
      and personal property taxes, which are required to be paid or remitted by
      ICI.

     

    8.14 Financial
      Statements.
      ICI's
      internally prepared, unaudited financial statements, comprised of a balance
      sheet and an income statement as of and for the period ending December 31,
      2007,
      copies of which are attached to this Agreement as Schedule 8.14,
      are true and correct in all material respects and fairly present the financial
      position of ICI as of the date of the statements and the results of ICI's
      operations for the periods covered by the statements. There has been no material
      adverse change in ICI's financial condition since the date of the most recent
      financial statement.

     

    8.15 Records
      of Business.
      The
      records of the ICI Business are true and complete in all material
      respects.

     

    8.16 Change
      of Name, Etc.
      During
      the period that ICI has been in existence, ICI has not changed its name or
      been
      involved in any merger, reorganization, or other proceeding whereby its name
      has
      been changed.

     

    8.17 Trade
      Name.
      ICI
      conducts its business and has always conducted its business solely under the
      name of "Information Concepts, Inc." and/or "ICI" and under no other name.
      To
      ICI's knowledge, no other person has a claim to the use of those names, and
      ICI's use of such names does not infringe upon or violate the proprietary right
      of any person or entity.

     

    8.18 Employee
      Benefits.
      Except
      as set forth on Schedule
      8.18,
      ICI does not maintain or contribute to (nor has it ever maintained or
      contributed to): (i) any employee pension benefit plan, as defined in
      Section 3(2) of the Employee Retirement Income Security Act of 1974, as
      amended ("ERISA"); (ii) any employee welfare benefit plan, as defined in
      Section 3(1) of ERISA; (iii) any stock option, stock purchase, stock
      ownership, bonus, performance, or incentive plan or arrangement; (iv) any
      plan or program providing noncash compensation or benefits, whether or not
      taxable to the recipient; (v) any plan or arrangement providing
      compensation or benefits upon a severance of employment, reduction in hours,
      or
      change of employment classification; (vi) any vacation, sick, holiday, or
      other leave policy or program or (vii) any other plan, agreement,
      arrangement, or understanding (whether oral or written) which is similar to
      any
      of the foregoing in respect of its employees. 

     

    8.19 [Intentionally
      Omitted].

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    8.20 Licenses
      and Permits.
      ICI has
      all licenses and permits necessary to conduct the ICI Business as it is now
      being conducted and has paid all fees and charges due in connection therewith,
      except where such failure would not have a material adverse effect.

     

    8.21 Insurance.
      ICI has
      delivered to the Company true and complete copies of all policies of insurance
      under which ICI is a party or is or has been covered at any time within the
      three (3) years preceding the date of this Agreement.

     

    8.22 Employees.
      Schedule 8.22
      to this Agreement contains a complete and accurate list of each employee of
      ICI
      (the "ICI Employees") that are (or have been in the past) involved in the ICI
      Business, including each employee on leave of absence or layoff status, stating
      name, employer, current compensation paid or payable and any change in
      compensation since December 31, 2005, vacation accrued and service credited
      for purposes of vesting and eligibility to participate under any of the employee
      benefit plans. No ICI Employee is a party to, or otherwise bound by, any
      agreement that in any way adversely affects or will affect the performance
      of
      the employee's duties as an employee of ICI. To the knowledge of ICI, no key
      employee of ICI intends to terminate that employee's employment with
      ICI.

     

    8.23 Absence
      of Certain Changes and Events.
      Except
      as set forth on Schedule
      8.23,
      since the date of the most recent financial statement, December 31, 2007, ICI
      and its subsidiaries have conducted their business only in the ordinary course
      and there has not been any:

     

    8.23.1 change
      in
      the authorized or issued capital stock; grant of any stock option or right
      to
      purchase shares of capital stock; issuance of any security convertible into
      such
      capital stock; grant of any registration rights; purchase, redemption,
      retirement, or other acquisition of any shares of any such capital stock; or
      declaration or payment of any dividend or other distribution or payment in
      respect of shares of capital stock;

     

    8.23.2 payment
      or increase by ICI of any bonuses, salaries, or other compensation to any ICI
      Stockholders or any stockholder, director, officer, or (except in the ordinary
      course of business) employee or entry into any employment, severance, or similar
      contract with any director, officer, or employee;

     

    8.23.3 adoption
      of, or increase in the payments to or benefits under, any profit sharing, bonus,
      deferred compensation, savings, insurance, pension, retirement, or other
      employee benefit plan for or with any employees;

     

    8.23.4 damage
      to
      or destruction or loss of any asset or property, whether or not covered by
      insurance, materially and adversely affecting the ICI Assets or any other
      properties, assets, business, financial condition, or prospects of ICI, taken
      as
      a whole;

     

    8.23.5 entry
      into, termination of, or receipt of notice of termination of (i) any license,
      distributorship, dealer, sales representative, joint venture, credit, or similar
      agreement, or (ii) any contract or transaction involving a total remaining
      commitment by or to ICI of at least $10,000;

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    8.23.6 sale,
      lease, or other disposition of any asset or property, or mortgage, pledge,
      or
      imposition of any lien or other encumbrance on any material asset or property,
      including the sale, lease, or other disposition of any of the intellectual
      property assets;

     

    8.23.7 cancellation
      or waiver of any claims or rights with a value to ICI in excess of
      $10,000;

     

    8.23.8 material
      change in the accounting methods used by ICI; or

     

    8.23.9 agreement,
      whether oral or written, by ICI or the ICI Stockholders to do any of the
      foregoing.

     

    8.24 Disclosures.
      No
      representation, warranty, or covenant made by ICI or the ICI Stockholders
      herein, or in any certificate or document furnished or delivered by ICI or
      to
      ICI Stockholders to any of the Parties, contains or will contain any untrue
      statement of a material fact or omits or will omit any material fact necessary
      to make the statements contained herein or therein not misleading.

     

    8.25 Warranties
      True as of Closing.
      All
      representations and warranties contained herein will be true and correct as
      of
      the Closing.

     

    8.26 Knowledge.
      For
      purposes of this Section 8,
      the
      terms knowledge," or "known," and words of similar import shall mean the
      current, conscious and actual knowledge, after due inquiry and investigation,
      of
      the ICI Stockholders.

     

    9. REPRESENTATIONS
      AND WARRANTIES OF VANDEURSEN

     

    VanDeursen,
      solely as an individual and Member of the Company and not on behalf of or with
      respect to ATPA or TBOL, represents and warrants to the other Parties, as of
      the
      date of this Agreement and as of the Closing, that:

    

    9.1 No
      Violation.
      The
      execution, delivery and performance of this Agreement and the consummation
      of
      the contemplated transactions will not violate the terms of any agreement to
      which VanDeursen is a party, or any order, judgment, or decree applicable to
      VanDeursen.

     

    9.2 Consents
      and Approvals.
      No
      consent, approval, or authorization of or designation, declaration, or filing
      with any governmental authority or other person or entity is required on the
      part of VanDeursen in connection with the execution, delivery or performance
      of
      this Agreement or the consummation of the contemplated
      transactions.

     

    9.3 Suits
      and Proceedings.
      No
      suit, action, litigation, administrative proceeding, arbitration proceeding,
      governmental proceeding, investigation, inquiry, or other proceeding is pending
      or, to the best of VanDeursen's knowledge, threatened against VanDeursen, or
      his
      property interests. VanDeursen has not received, and does not have reason to
      believe that it will receive, oral or written notice of any claim or violation
      under any inquiry, law, ordinance, requirement, regulation, or order applicable
      to him or his property.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    9.4 Tax
      Returns.
      VanDeursen has filed all tax returns, of every kind, nature, or description,
      required to be filed by VanDeursen and to its knowledge has paid or remitted
      to
      the proper authority all taxes and assessments, including, without limitation,
      all income taxes and personal property taxes, which are required to be paid
      or
      remitted by VanDeursen.

     

    9.5 Disclosures.
      No
      representation, warranty, or covenant made by VanDeursen herein, or in any
      certificate or document furnished or delivered by VanDeursen to any of the
      Parties, contains or will contain any untrue statement of a material fact or
      omits or will omit any material fact necessary to make the statements contained
      herein or therein not misleading.

     

    9.6 Warranties
      True as of Closing.
      All
      representations and warranties contained herein will be true and correct as
      of
      the Closing.

     

    10. CONDITIONS
      OF CLOSING - ICI AND ICI STOCKHOLDERS.

     

    10.1 Conditions.
      The
      obligations of ICI and ICI Stockholders are subject to the satisfaction of
      all
      of the following conditions as of the time of the Closing, except those which
      are waived in writing by ICI and ICI Stockholders:

     

    10.1.1 TBOL,
      ATPA and VanDeursen, as applicable, shall have delivered the documents and
      things required under Section 6.1 and 6.3 of this Agreement;

     

    10.1.2 The
      representations and warranties set forth in Section 7
      shall be true and complete as of the time of the Closing; and

     

    10.1.3 All
      documents referred to in Sections 6.1
      and 6.3 which are required to be delivered, or to be executed and delivered
      shall be delivered or executed and delivered, as the case may be.

     

    10.2 Failure
      of Condition.
      If any
      of the conditions set forth in this Section 10
      have not been satisfied as of the time of the Closing, then ICI may terminate
      this Agreement by written notice to ATPA and TBOL or ICI may waive the
      unsatisfied condition or conditions and proceed with the Closing. A waiver
      of
      any unsatisfied condition of the Closing shall not constitute a waiver any
      other
      condition or any right or remedy to which ICI may be entitled.

     

    11. CONDITIONS
      OF CLOSING - TBOL AND ATPA.

     

    11.1 Conditions.
      The
      obligations of TBOL and ATPA hereunder are subject to the satisfaction of all
      of
      the following conditions as of the time of the Closing, except those which
      are
      waived in writing by TBOL and ATPA:

     

    11.1.1 ICI,
      ICI
      Stockholders, and VanDeursen, as applicable, shall have delivered the documents
      and things required under Section 6.2 and 6.3 of this Agreement;

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    11.1.2 the
      representations and warranties set forth in Section 8
      shall be true and complete as of the time of the Closing;

     

    11.1.3 all
      documents referred to in Sections 6.2
      and 6.3 which are required to be delivered, or to be executed and delivered
      to
      the Company or the other Parties shall be delivered or executed and delivered,
      as the case may be; and

     

    11.2 Failure
      of Condition.
      If any
      of the conditions set forth in Section 11
      have not been satisfied as of the time of the Closing, then ATPA and TBOL may
      terminate this Agreement by written notice to the other Parties, or ATPA and
      TBOL may waive the unsatisfied condition or conditions and proceed with the
      Closing. A waiver of any unsatisfied condition of the Closing shall not
      constitute a waiver any other condition or any right or remedy to which ATPA
      and
      TBOL may be entitled.

     

    12. FURTHER
      ASSURANCES.
      The
      Parties hereto shall execute such further documents, and perform such further
      acts, as may be necessary to transfer and convey the TBOL Assets and the ICI
      Assets to the Company, as the case may be, all on the terms contained herein,
      and to otherwise comply with the terms of this Agreement and consummate the
      transactions contemplated herein. 

     

    13. SURVIVAL.
      The
      covenants, representations, and warranties set forth herein shall not merge
      into
      any bill of sale or other instrument of transfer executed and delivered at
      the
      Closing. Instead, all covenants, representations, and warranties set forth
      herein shall survive the Closing and shall continue in full force and effect
      until the applicable statutes of limitations thereon shall have
      expired.

     

    14. SALES
      AND OTHER TAXES.
      Any
      sales, use, excise, and/or similar taxes imposed upon, as an incident to, or
      as
      a result of the within sale shall be shared pari
      passu
      among
      the Parties. 

     

    15. INDEMNIFICATION.

     

    15.1 By
      ICI
      and ICI Stockholders.
      ICI and
      the ICI Stockholders shall defend, reimburse and indemnify TBOL, ATPA and
      VanDeursen (together, the "ICI Indemnities") and hold the ICI Indemnities
      harmless from, against, and in respect of, any and all claims, costs, expenses
      (including the reasonable fees of counsel), liabilities, obligations, losses,
      damages, actions, suits, or proceedings of any nature (unless due to a failure
      of ATPA or the Company to perform under the License Agreement): (i) arising
      in connection with the breach by ICI and/or ICI Stockholders of any
      representation, warranty, obligation or covenant made by ICI or the ICI
      Stockholders herein; (ii) arising from or in connection with the failure of
      ICI or the the ICI Stockholders to perform any covenant made by such parties
      herein; (iii) arising from or in connection with the assertion against any
      or all of the ICI Indemnities of any claim for payment or performance of any
      obligation, debt, or liability, whether fixed or contingent, in connection
      with
      the ICI Business or ICI Assets on account of any matter arising, occurring,
      or
      taking place prior to the Closing Date (including without limitation all tax
      claims of every kind, nature and description); (iv) arising from the
      Excluded ICI Liabilities and any contracts that is not an Assumed ICI Contracts;
      (v) arising from ICI’s 401(k) plan and the related liabilities listed in
      Schedule 2.3.1; or (vi) arising from or in connection with the assertion against
      the ICI Indemnities of any claim relating to any party’s ownership in
      ICI.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    15.2 By
      ATPA and TBOL.
      TBOL
      and ATPA (the "TBOL Indemnitor Parties"), jointly and severally, shall defend,
      reimburse and indemnify ICI and the ICI Stockholders (“TBOL Indemnities”) and
      hold the TBOL Indemnities harmless from, against, and in respect of, any and
      all
      claims, costs, expenses (including the reasonable fees of counsel), liabilities,
      obligations, losses, damages, actions, suits, or proceedings of any nature:
      (i) arising in connection with the breach by the TBOL Indemnitor Parties of
      any representation, warranty, covenant or obligation made by the TBOL Indemnitor
      Parties herein; (ii) arising from or in connection with the TBOL Indemnitor
      Parties' failure to perform any covenant made by the TBOL Indemnitor Parties
      herein; (iii) arising from or in connection with the assertion against the
      the TBOL Indemnities of any claim for payment or performance of any obligation,
      debt, or liability, whether fixed or contingent, in connection with the TBOL
      Business or the TBOL Assets on account of any matter arising, occurring or
      taking place prior to the Closing Date; (iv) arising from the Excluded TBOL
      Liabilities and any contract that is not an Assumed TBOL Contracts; ); (v)
      arising from TBOL’s 401(k) plan, (v) arising from or in connection with the
      assertion against the TBOL Indemnities of any claim relating to any party's
      ownership in TBOL; or (vi) arising from or in connection with the winding up
      or
      dissolution of TBOL.

     

    15.3 By
      VanDeursen.
      VanDeursen shall defend, reimburse and indemnify all other Parties and hold
      the
      other Parties harmless from, against, and in respect of any and all claims,
      costs, expenses (including the reasonable fees of counsel), liabilities,
      obligations, losses, damages, actions, suits, or proceedings of any nature:
      (i) arising in connection with the breach by VanDeursen of any
      representation, warranty, covenant or obligation made by VanDeursen; and
      (ii) arising from or in connection with VanDeursen's failure to perform any
      covenant made by VanDeursen herein.

     

    15.4 By
      Company.
      The
      Company shall defend, reimburse and indemnify the other Parties and hold the
      other Parties harmless from, against, and in respect of any and all claims,
      costs, expenses (including the reasonable fees of counsel), liabilities,
      obligations, losses, damages, actions, suits, or proceedings of any nature
      arising from or in connection with the assertion against any of the other
      Parties of any claim for payment or performance of any obligation, debt, or
      liability, whether fixed or contingent, in connection with (i) the ICI
      Business, the TBOL Business, the ICI Assets or the TBOL Assets on account of
      any
      matter arising, occurring or taking place after the Closing Date; or
      (ii) arising from the Assumed TBOL Liabilities, the Assumed TBOL Contracts,
      the Assumed ICI Liabilities or the Assumed ICI Contracts. 

     

    16. CONFIDENTIALITY.
      The
      Parties will keep the contents of this Agreement in confidence; will not discuss
      the transactions described herein with any person except their respective
      accountants and attorneys; and will not otherwise reveal the contents of this
      Agreement except (a) to the extent necessary to fulfill the conditions of
      Closing or to satisfy such party's obligations hereunder, or (b) as may be
      required by applicable law; provided,
      however
      each
      party's obligations under this Section 16
      shall cease to apply to any information that becomes generally known in the
      public realm, other than pursuant to a breach of this Section 16
      by such party.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    17. TRANSITION.
      

     

    17.1 TBOL,
      ATPA and VanDeursen shall cooperate and shall use their commercial reasonable
      efforts to assist the Company in the smooth transition of the ownership of
      the
      TBOL Assets and the TBOL Business; in the assumption of the Assumed ICI
      Liabilities; in the securing for the Company the services of those TBOL or
      ATPA
      employees whom the Company elects to employ; and in the preservation for the
      Company of the goodwill of TBOL's suppliers, customers, and others having
      business relations with TBOL and ATPA in connection with the TBOL
      Business.

     

    17.2 ICI
      and
      the ICI Stockholders shall cooperate and shall use their commercial reasonable
      efforts to assist the Company in the smooth transition of the ownership of
      the
      ICI Assets and the ICI Business; in the assumption of the Assumed ICI
      Liabilities; in the securing for the Company the services of those ICI employees
      whom the Company elects to employ; and in the preservation for the Company
      of
      the goodwill of ICI's suppliers, customers, and others having business relations
      with ICI in connection with the ICI Business.

     

    18. NOTICES.

     

    18.1 Manner.
      Any
      notice or other communication ("Notice") required or permitted under this
      Agreement shall be in writing and sent by overnight delivery, or certified
      mail,
      postage prepaid, return receipt requested.

     

    18.2 Addressee.
      A
      Notice shall be addressed as follows: 

     

    Notice
      to
      ATPA to:

    

    Associated
      Third Party Administrators

    Attention:
      Rick Stierwalt

    1640
      South Loop Road

    Alameda,
      California 94502

    

    Notice
      to
      TBOL to: 

    

    Trust
      Benefits Online, LLC

    Attention:
      Scott VanDeursen

    5980
      Horton Street Suite 345

    Emeryville,
      CA 94608

    

    Notice
      to
      ICI to:

    

    Information
      Concepts, Inc.

    2200
      E.
      Route 66

    Suite
      102

    Glendora,
      California 91740

    Attn:
      Bruce L. Biller, President

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    Notice
      to
      ICI Stockholders to:

    

    Information
      Concepts, Inc.

    2200
      E.
      Route 66

    Suite
      102

    Glendora,
      California 91740

    Attn:
      Bruce L. Biller, President

    

    Notice
      to
      Company to:

    

    _____________________________

    
      _____________________________

      
        _____________________________

        
          _____________________________

        

      

    

    

    Notice
      to
      VanDeursen to:

    

    Scott
      VanDeursen

    5980
      Horton Street Suite 345

    Emeryville,
      CA 94608

    

    18.3 Changes.
      Either
      party may designate, by Notice to the other, substitute addresses for Notices,
      and thereafter, Notices are to be directed to those substitute
      addresses.

     

    19. MISCELLANEOUS.

     

    19.1 Exhibits
      and Schedules.
      Each
Exhibit
      and
Schedule
      attached
      to this Agreement shall be deemed to be a part of this Agreement to the same
      extent as if set forth in this Agreement. Each fact or statement recited or
      contained in any Exhibit
      or
Schedule,
      certificate or other instrument delivered by or on behalf of any party to this
      Agreement or in connection with any transaction contemplated by this Agreement
      shall be deemed to be a representation and warranty by the party. If any
Exhibit or
      Schedule
      referred
      to shall not have been attached at the time of execution of this Agreement,
      or
      if any Exhibit
      or
Schedule
      shall be
      incomplete at the time of execution, it may, upon written approval of the
      Parties, later be attached or completed.

     

    19.2 Governing
      Law.
      The
      laws of the State of California shall govern the validity and construction
      of
      this Agreement and any dispute arising out of or relating to this Agreement,
      without regard to the principles of conflict of laws.

     

    19.3 Dispute
      Resolution/Binding Arbitration.

     

    19.3.1 All
      disputes arising under or in connection with this Agreement or among the
      Members, shall be submitted to a mutually agreeable arbitrator, or if the
      parties are unable to agree on an arbitrator within fifteen (15) days after
      a
      written demand for arbitration is made by either party, to JAMS/Endispute
      (“JAMS”) or successor organization, for binding arbitration in Los Angeles
      County by a single arbitrator who shall be a former California Superior Court
      judge. Except as may be otherwise provided herein, the arbitration shall be
      conducted under the California Arbitration Act, Code of Civil Procedure 1280
      et
      seq. The parties shall have the discovery rights provided in Code of Civil
      Procedure 1283.05 and 1283.1. The arbitration hearing shall be commenced within
      ninety (90) days after the selection of an arbitrator by mutual agreement or,
      absent such mutual agreement, the filing of the application with JAMS by either
      party hereto, and a decision shall be rendered by the arbitrator within thirty
      (30) days after the conclusion of the hearing. The arbitrator shall have
      complete authority to render any and all relief, legal and equitable,
      appropriate under California law, including the award of punitive damages where
      legally available and warranted. The arbitrator shall award costs of the
      proceeding, including reasonable attorneys’ fees and the arbitrator’s fee and
      costs, to the party determined to have substantially prevailed. Judgment can
      be
      entered in a court of competent jurisdiction.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    19.4 Severability.
      A
      ruling by any court that one or more of the provisions contained in this
      Agreement is invalid, illegal or unenforceable in any respect shall not affect
      any other provision of this Agreement so long as the economic or legal substance
      of the transactions contemplated hereby is not affected in any manner materially
      adverse to any party. Thereafter, this Agreement shall be construed as if the
      invalid, illegal, or unenforceable provision had been amended to the extent
      necessary to be enforceable within the jurisdiction of the court making the
      ruling and to preserve the transactions originally contemplated by this
      Agreement to the greatest extent possible.

     

    19.5 Counterparts.
      This
      Agreement may be executed by facsimile and in counterparts, each of which shall
      be deemed an original. In that event, in proving this Agreement it shall only
      be
      necessary to produce or account for the counterpart signed by the party against
      whom the proof is being presented.

     

    19.6 Headings.
      The
      section and subsection headings have been included for convenience only, are
      not
      part of this Agreement and shall not be taken as an interpretation of any
      provision of this Agreement.

     

    19.7 Binding
      Effect.
      This
      Agreement shall be binding upon and shall inure to the benefit of the parties
      and their respective successors and permitted assigns. Except as otherwise
      specifically provided, this Agreement is not intended and shall not be construed
      to confer upon or to give any person other than the parties any rights or
      remedies. 

     

    19.8 Amendments
      and Modifications.
      This
      Agreement may be amended, waived, changed, modified or discharged only by an
      agreement in writing signed by the party(ies) against whom enforcement is
      sought. 

     

    19.9 Entire
      Agreement.
      This
      Agreement constitutes the entire agreement between the Parties, and there are
      no
      representations, warranties, covenants or obligations except as set forth in
      this Agreement. This Agreement supersedes all prior and contemporaneous
      agreements, understandings, negotiations and discussions, written or oral,
      of
      the parties, relating to any transaction contemplated by this Agreement.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    19.10 Waiver.
      Failure
      to insist upon strict compliance with any of the terms, covenants or conditions
      of this Agreement shall not be deemed a waiver of that term, covenant or
      condition or of any other term, covenant or condition of this Agreement. Any
      waiver or relinquishment of any right or power hereunder at any one or more
      times shall not be deemed a waiver or relinquishment of that right or power
      at
      any other time. 

     

    19.11 Costs
      of Litigation.
      If
      either Party files suit to enforce its rights under this Agreement, the
      substantially prevailing party shall be entitled to recover from the other
      party
      all expenses incurred by it in preparing for and in trying the case, including,
      but not limited to, investigative costs, court costs and reasonable attorneys'
      fees (including expenses incurred to collect those expenses). 

     

    19.12 Further
      Assurances.
      The
      Parties shall execute and deliver or cause to be executed and delivered all
      further instruments and documents and shall take any other action as may be
      reasonably required to more effectively carry out the terms and provisions
      of
      this Agreement.

     

    19.13 Construction.
      Each
      Party has participated to a significant degree in the drafting and preparation
      of this Agreement. No provision of this Agreement shall be construed against
      any
      party on the basis of that party's being the "drafter."

     

    19.14 Word
      Forms.
      Wherever used in this Agreement, the singular shall include the plural, and
      the
      plural shall include the singular. The use of any gender, tense or conjugation
      shall include all genders, tenses and conjugations.

     

    19.15 Tax
      Consequences.
      No
      Party to this Agreement shall have recourse against any other party by reason
      that the execution of this Agreement or consummation of any transaction
      contemplated by this Agreement has or does not have any particular effect or
      result under the federal or any state or local tax law.

     

    19.16  Assignment.
      No
      Party shall transfer or assign any or all of its rights or interests under
      this
      Agreement or delegate any of its obligations without the prior written consent
      of the other party(ies). 

     

    19.17 Consents.
      In any
      instance where the consent of a party is required by this Agreement, the Party
      may withhold or delay that consent in its sole and absolute
      discretion.

    [Signatures
      on following page.]

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    IN
      WITNESS WHEREOF, the parties have entered into this Agreement as the date set
      forth above. 

     

    
      	
              ASSOCIATED
                THIRD PARTY ADMINISTRATORS

            	 	 	TRUST
              BENEFITS
              ONLINE, LLC
	 	 	 	 
	By:
 /s/
              Richard Stierwalt	 	 	By: 
              /s/ Scott Van Deursen
	
              
                

              

              Name:
 Richard
                Stierwalt

              Title:
                President/CEO

            	 	 	
              
                

              

              Name:
                Scott Van Deursen

              Title:
                President

            

       

      
        	
                INFORMATION
                  CONCEPTS, INC.

              	 	 	BENEFITS TECHNOLOGIES, LLC
	 	 	 	 
	By:
 /s/
                Bruce L. Biller	 	 	By: 
                /s/ Scott Van Deursen
	
                
                  

                

                Name:  Bruce
                  L. Biller

                Title:
                  President

              	 	 	
                
                  

                

                Name:
                  Scott Van Deursen

                Title:
                  CEO

              

      

    

    

    
      	
            	 	 	By: 
              /s/ Bruce L. Biller
	
               

            	 	 	
              
                

              

              Name:
                Bruce L. Biller

              Title:
                President, ICI

            

      	
            	 	 	By: 
              
	
               

            	 	 	
              
                

              

              Name:

              Title:

            

    

     

     

    /s/
      Bruce
      L. Biller 

    
      

    

    Bruce
      L.
      Biller

     

    

    /s/
      Ronald Jensen

    
      

    

    Ronald
      Jensen

     

    

    Scott
      VanDeursen

    
      

    

    Scott
      VanDeursen

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    ASSET
      CONTRIBUTION AND COMBINATION AGREEMENT

    

    TABLE
      OF EXHIBITS AND SCHEDULES

    

    Exhibit
      A
      - Form
      of Subordinated Promissory Note

    

    Exhibit
      B
      -
      Intercreditor Agreement

    

    Exhibit
      C
      -
      License Agreement

    

    Exhibit
      D
      - LLC
      Agreement

    

    Exhibit
      E
      -
      Consulting Agreement 

    

    Exhibit
      F
      -
      Administrative Services Agreement 

    

    Exhibit
      G
      - Bill
      of Sale (TBOL)

    

    Exhibit
      H
      - TBOL
      Assignment Agreement

    

    Exhibit
      I
      - Form
      of Business Protection Agreement

    

    Exhibit
      J
      -Secretary's Certificate - TBOL

    

    Exhibit
      K
      -
      Secretary's Certificate - ATPA

    

    Exhibit
      L
      -
      Closing Certificate - TBOL

    

    Exhibit
      M
      -
      Closing Certificate - ATPA

    

    Exhibit
      N
      - Bill
      of Sale (ICI)

    

    Exhibit
      O
      - ICI
      Assignment Agreement

    

    Exhibit
      P
      -
      Secretary's Certificate - ICI

    

    Exhibit
      Q
      -
      Closing Certificate - ICI

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    Schedule
      1.1.3
      - TBOL
      Assets

    

    Schedule
      1.1.4
      - ATPA
      Assets

    

    Schedule
      1.2.1-
      Assumed
      TBOL Contracts

    

    Schedule
      1.2.3
      -
      Assumed TBOL Liabilities

    

    Schedule
      1.2.4
      -
      Excluded TBOL Liabilities

    

    Schedule
      2.1
      - ICI
      Assets

    

    Schedule
      2.2
      -
      Excluded ICI Assets

    

    Schedule
      2.3.1
      -
      Excluded ICI Liabilities

    

    Schedule
      2.3.2
      -
      Assumed ICI Contracts

    

    Schedule
      2.3.4
      -
      Assumed ICI Liabilities

    

    Schedule
      7.5
      - Title
      to TBOL Assets

    

    Schedule
      7.6
      -
      Tangible TBOL Personal Property

    

    Schedule
      7.7
      -
      Intangible TBOL Personal Property

    

    Schedule
      7.8
      -
      Contracts (TBOL/ATPA)

    

    Schedule
      7.9
      -
      Consents and Approvals (TBOL/ATPA)

    

    Schedule
      7.15
      -
      Financial Statements (TBOL)

    

    Schedule
      7.19
      -
      Employee Benefits (TBOL)

    

    Schedule
      7.23
      -
      Employees (TBOL)

    

    Schedule
      7.24
      -
      Absence of Certain Changes and Events (TBOL/ATPA)

    

    Schedule
      8.3
      -No
      Violation (ICI)

    

    Schedule
      8.4
      -Title
      to Assets (ICI)

    

    Schedule
      8.5
      -Tangible ICI Personal Property

    

    Schedule
      8.6
      -
      Intangible ICI Personal Property

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    Schedule
      8.7
      -
      Contracts (ICI)

    

    Schedule
      8.8
      -
      Consents and Approvals (ICI)

    

    Schedule
      8.10
      - Suits
      and Proceedings (ICI)

    

    Schedule
      8.12
      -
      Compliance with Laws (ICI)

    

    Schedule
      8.13
      - Tax
      Returns (ICI)

    

    Schedule
      8.14
      -
      Financial Statements (ICI)

    

    Schedule
      8.18
      -
      Employee Benefits (ICI)

    

    Schedule
      8.22
      - ICI
      Employees

    

    Schedule
      8.23
      -
      Absence of Certain Changes and Events (ICI)Exhibit
      10.16

    ICI
      “WebERF” SOFTWARE LICENSE AGREEMENT

    

    Name
      and
      Address of Client:   

    Associated
      Third Party Administrators  

    1640
      South Loop Road

    Alameda,
      CA 94502 

    

    INFORMATION
      CONCEPTS, INC.(“ICI”) and ASSOCIATED THIRD PARTY ADMINISTRATORS, INC. ("Client")
      hereby agree as follows:

    

    
      	1.	
              GRANT

            

    

    

    
      	1.1	
              ICI
                grants to Client a two year, exclusive and non-transferable right
                and
                license to use the version of computer software programs and related
                documentation and materials together (the WebERF "Software") on the
                computer equipment (the "designated CPU") and at the location (the
                "Location") for uses identified in Schedule A.

            

    

    

    
      	2.	
              PROPRIETARY
                RIGHTS AND NONDISCLOSURE

            

    

    

    
      	2.1	
              The
                Software may be copied by Client for use within the scope of this
                License
                provided that Client may make only the number of copies that are
                needed
                for proper operation and backup. The original and all copies of the
                Software or any portion thereof made by Client shall be and remain
                the
                property of ICI, except as set forth herein. Client shall display
                the
                copyright and proprietary notices of ICI or any other person on all
                copies
                of the Software or any portion thereof in the same form as such notices
                appeared in the original Software.

            

    

    

    
      	2.2	
              Title
                to all intellectual property rights, including patent, trademark,
                copyright and trade secrets rights, related to the Software, including
                any
                modifications to the Software made by ICI at the request and expense
                of
                Client, shall remain with ICI, except as is expressly identified
                herein.

            

    

    

    
      	2.3	
              Client
                acknowledges and agrees that the Software and the systems, ideas,
                methods
                of operation, and information contained therein are proprietary "trade
                secret" information of ICI.

            

    

    

    
      	2.4	
              Each
                party shall maintain all proprietary information of the other party
                in
                strict confidence and take all reasonable steps necessary to ensure
                that
                such proprietary information is not disclosed to any person other
                than
                Client or ICI and their employees, agents and
                representatives.

            

    

    

    
      	2.5	
              ICI
                will instruct its personnel that any information received from Client
                marked as "Confidential" is proprietary to Client and is not to be
                disclosed to any person other than Client or ICI and their employees,
                agents and representatives.

            

    

    

    
      	2.6	
              Either
                party shall immediately notify the other of any factors or information
                of
                which it becomes aware which in any way suggests improper disclosure
                of
                confidential information of the
                other.

            

    

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

    
      	2.7	
              The
                covenants and provisions of this Section 2 shall survive the termination
                of this Agreement.

            

    

    

    
      	3.	
              TERM

            

    

    

    
      	3.1	
              ATPA
                shall receive and ICI shall provide certain ongoing license and
                maintenance rights and obligations with respect to the Web ERF software
                for two years unless and until terminated as provided below. At the
                end of
                two years, this software will be transferred and assigned to Trust
                Benefit
                Technologies, a Delaware limited liability company (“TBT”) for
                consideration of $100.00, plus any priority debt balance as described
                more
                fully set forth below.

            

    

    

    
      	4.	
              FEES

            

    

    

    
      	4.1	
              Client
                shall pay to ICI the license fees set forth in Schedule A for the
                two-year
                term at the time and place and in the manner specified in Schedule
                A.
                

            

    

    

    
      	4.2	
              All
                payments or reimbursements to ICI pursuant to this License shall
                be made
                without setoff or counterclaim and free and clear of and without
                deduction
                for any and all present and future tariffs, stamp duties, sales tax,
                use
                tax, personal property tax, value added tax, royalty withholding,
                levies,
                import taxes, imposts, or duties. 

            

    

    

    
      	4.3	
              Priority
                of Debt Balance of ICI. Certain priority debt balance of ICI, as
                defined
                in the “Asset Contribution and Combination Agreement” signed by and
                between the parties as monies currently owed or due to the California
                EDD,WFB or required to rectify default in the ICI 401K Plan. The
                monies
                set forth in Paragraph 4.1 and Exhibit A will be held in a
                segregated account and the debts paid monthly as set forth in
                Exhibit A until paid in full. Any remaining priority debt will be
                transferred to TBT with the Web ERF software after two
                years.

            

    

    

    
      	5.	
              INDEMNITY

            

    

    

    
      	 	
              ICI
                warrants that it has all the necessary authority to grant this license
                and
                it will defend, indemnify and hold Client harmless from and against
                any
                claim that the Software infringes any patent, copyright or other
                proprietary interest, subject to the
                following:

            

    

    

    
      	
              5.1

            	
              ICI
                at its own expense will defend any action brought against Client
                to the
                extent that such action is based on a claim that the Software infringes
                any patent, copyright, trade secret or other proprietary right of
                any
                third party, provided that ICI is notified in writing of the same
                within a
                reasonable
                period after Client receives notice of such action and the action
                does not
                stem from modifications Client has made to the Software and without
                which
                the suit would not have been brought.

            

    

    

    
      
        	5.2	
                In
                  any action solely for damages against Client, ICI shall have the
                  right to
                  control the defense of such action, including the right to determine
                  the
                  amount of any monetary settlement. Client may participate in the
                  defense
                  of any such action or proceeding through counsel of its choice
                  at ICI’s
                  expense. ICI shall have no responsibility or liability for any
                  settlement
                  made by Client without ICI's prior written
                  approval.

              

      

    

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    
      
        	5.3	
                In
                  any action against Client for injunctive relief, including without
                  limitation actions for damages and injunctive relief, Client shall
                  have
                  the right to control the defense of such action, including the
                  right to
                  settle the injunctive claims on any terms Client deems appropriate.
                  Client
                  shall have no responsibility or liability for any settlement of
                  claims for
                  injunctive relief made by ICI without Client’s prior express written
                  approval.

              

      

    

    

    
      	5.4	
              If
                ICI and/or Client are, or in the opinion of ICI are likely to be,
                subjected to or enjoined from using the Software by reason of a claim
                described in Section 5.1, ICI at its option and expense may procure
                the
                right for Client to continue to use the Software or replace or modify
                the
                Software to make it non-infringing.

            

    

    

    
      	6.	
              WARRANTY
                

            

    

     

    For
      the
      period and subject to the limitations specified in Section 7.1:

    

    
      	6.1	
              ICI
                warrants that the Software is free of defects which materially affect
                system performance and will perform in accordance with the Systems
                Specifications ("Specifications") delivered with the Software, and
                with
                the updated Specifications which may be delivered with any modifications,
                updates or enhancements that Client may receive from ICI pursuant
                to its
                warranty obligations, provided that the Software is run in accordance
                with
                its documentation and on compatible equipment and systems software
                and
                operated by persons of reasonable skill.

            

    

    

    
      
        	6.2	
                ICI
                  shall not be obligated to correct defects (a) unless Client has
                  applied
                  all corrections for the Software provided by ICI to Client prior
                  to such
                  notification by Client, (b) attributable to improper or incorrect
                  usage or
                  operation of the Software, (c) if any part of the Software has
                  been
                  altered, modified or converted (unless the alteration, modification
                  or
                  conversion was done by ICI as a result of its obligations under
                  Section
                  7.1) or (d) arising from hardware related problems or software
                  problems
                  due to interfacing of the Software with Client's hardware or
                  software.

              

      

    

    

    
      	6.3	
              THE
                FOREGOING WARRANTY IS IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR
                IMPLIED,
                INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY
                AND FITNESS FOR A PARTICULAR PURPOSE. ONLY AN AUTHORIZED OFFICER
                OF ICI
                MAY MAKE MODIFICATIONS TO THIS WARRANTY OR ADDITIONAL WARRANTIES,
                AND SUCH
                MODIFICATIONS OR ADDITIONAL WARRANTIES MUST BE IN WRITING. ACCORDINGLY,
                ADDITIONAL STATEMENTS SUCH AS THOSE MADE IN ADVERTISING OR PRESENTATIONS,
                WHETHER ORAL OR WRITTEN, DO NOT CONSTITUTE WARRANTIES BY ICI AND
                MAY NOT
                BE RELIED UPON AS SUCH. 

            

    

     

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

     

    
      	7.	
              LIMITATION
                OF REMEDIES

            

    

     

    ICI's
      entire liability under this Agreement and Client's exclusive remedies shall
      be
      as set forth in Articles 7 and 9.

    

    
      	7.1	
              For
                any claim concerning the performance or nonperformance by ICI pursuant
                to,
                or in any other way related to, the subject matter of this Agreement
                (other than a claim under the limited warranty), Client shall be
                entitled
                to recover its actual direct damages to the limits set forth
                below.

            

    

    

    
      	7.2	
              Except
                for the indemnifications required by Section 5 of this Agreement,
                which
                shall not be deemed to be liability for breach for purposes of this
                Section, in no event shall the cumulative liability of ICI for actual
                direct damages of Client arising out of this Agreement or with respect
                to
                the installation, use, operation or support of the Software exceed
                200% of
                the amount paid to ICI by Client for the use of the Software not
                including
                attorneys fees and costs. This limitation shall apply regardless
                of the
                form of action, whether in contract or tort, including
                negligence.

            

    

    

    
      	7.3	
              No
                action, regardless of form, arising out of this Agreement may be
                brought
                by Client or ICI more than two years after the circumstances giving
                rise
                to the action were first actually
                discovered.

            

    

    

    
      	8.	
              INSTALLATION
                / SUPPORT / MAINTENANCE

            

    

    

    
      	8.1	
              ICI
                shall be responsible for the initial physical installation of the
                Software
                with full and timely support and cooperation from Client who will
                provide
                the workforce necessary thereafter (except for ICI’s obligations under
                Paragraph 8.2). Such installation shall be deemed successful and
                complete upon the first to occur of (i) Client acknowledging to ICI
                successful installation, (ii) if Client so requests, ICI successfully
                verifying the installed Software by walking through an agreed series
                of
                on-line functions, (iii) forty-five (45) days after Client commences
                use
                of the Software in a production environment, unless within such period
                Client notifies ICI that it has rejected the Software, returns the
                Software to ICI and ceases all use of the same, or (iv) Client and
                ICI
                entering into a written agreement providing that the Software has
                been
                successfully installed, which agreement may be conditioned upon ICI’s
                correction of certain “punch list”
items.

            

    

    

    
      	
              8.2

            	
              Maintenance
                for two years shall the responsibility of ICI upon reasonable notice
                by
                client.

            

    

    

    
      	9.	
              DEFAULT

            

    

    

    
      	9.1	
              To
                secure the performance of this License Agreement, ATPA shall pledge
                one-half (1/2) of membership interest in TBT, which interests shall
                transfer to ICI upon default by ATPA under the License Agreement
                as
                provided hereunder. The membership interests that are subject to
                the
                pledge agreement shall be reduced by ten percent (10%) for every
                $100,000
                paid by ATPA to ICI pursuant to the License Agreement, provided that
                the
                pledge amount shall never be reduced below an amount such that the
                sum of
                ICI’s membership interest in the pledge amount is less than fifty-one
                percent (51%) of the total voting membership interest of the Company,
                and
                provided further that in the event of issuances of additional voting
                membership interests of the Company or other diluting events, the
                pledge
                amount shall be adjusted (including increased, as applicable, but
                not
                above one-half of ATPA’s total membership interest), to meet the minimum
                fifty-one percent (51%) requirement. A pledge agreement is attached
                hereto
                as Exhibit B.

            

    

     

    
      
        
        

      

      
        4

        
          

        

      

      
        
        

      

    

     

    
      	9.2	
              For
                purposes of this Agreement, event of default shall mean the failure
                to pay
                any amount due within forty-five (45) days after written notice that
                payment is delinquent (provided that the amount is not subject to
                a
                bonafide dispute), the material breach of any of the provisions of
                Section
                2, the filing of a voluntary insolvency or bankruptcy of a party,
                or the
                failure to obtain a dismissal or obtain court approval of a plan
                of
                reorganization within a reasonable period after commencement of any
                involuntary insolvency or bankruptcy proceeding against a
                party.

            

    

    

    
      	9.3	
              Upon
                the termination of this Agreement, ICI shall provide copies of the
                Software and associated documentation together with all other items
                to
                NEWCO provided that Client has fully paid for such
                items.

            

    

    

    
      	9.4	
              Any
                such termination shall be in addition to and not in lieu of any other
                remedies which the non-defaulting party may have against the defaulting
                party at law or in equity for the breach of this agreement.
                

            

    

    

    
      	9.5	
              Termination
                of this License shall not extinguish any liability or continuing
                obligation under it.

            

    

    

    
      	10.	
              GENERAL

            

    

    

    
      	10.1	
              This
                Agreement, including the attached Schedules, contains the entire
                agreement
                of the parties with respect to the subject matter hereof and supersedes
                all prior oral or written discussions, representations, understandings
                and
                agreements.

            

    

    

    
      	10.2	
              No
                amendment or modification of this Agreement will be effective for
                any
                purpose unless it is in writing and signed by the
                parties.

            

    

    

    
      	10.3	
              If
                any provision of this Agreement is invalid or otherwise unenforceable,
                the
                remaining provisions shall continue in full force and
                effect.

            

    

    

    
      	10.4	
              The
                waiver or failure of ICI or client to exercise in any respect any
                right
                provided for herein shall not be deemed a waiver of any further right
                hereunder.

            

    

    

    
      	10.5	
              Neither
                party shall be in default by reason of any failure in performance,
                other
                than the failure to make payments when due, if such failure arises
                from
                causes beyond the control of such party, including acts of God, natural
                disaster, strikes, freight embargo, a communication line failure
                or the
                failure of computer equipment or software not developed by
                ICI.

            

    

     

    
      
        
        

      

      
        5

        
          

        

      

      
        
        

      

    

     

    
      	10.6	
              This
                Agreement shall be binding upon each of the parties and their respective
                successors and permitted assigns. This license is strictly personal
                to
                Client. Client shall not sublicense, transfer or assign any of its
                rights
                or obligations hereunder to any other person, firm or corporation
                without
                the prior written consent of ICI. In the case of an assignment or
                transfer
                of all of Client's rights and obligations hereunder, ICI shall not
                unreasonably withhold consent. Any transaction or series of transactions
                as a consequence of which there is a Change in Control of Client
                shall be
                deemed to be an assignment. "Change in Control" shall mean: (i) The
                consummation of a merger or consolidation of the Company with or
                into
                another entity or any other corporate reorganization, if more than
                50% of
                the combined voting power of the continuing or surviving entity's
                securities outstanding immediately after such merger, consolidation
                or
                other reorganization is owned by persons who were not stockholders
                of the
                Company immediately prior to such merger, consolidation or other
                reorganization; or (ii) the sale, transfer or other disposition of
                all or
                substantially all of the Company's assets. A transaction shall not
                constitute a Change in Control if its sole purpose is to change the
                state
                of the Company's incorporation or to create a holding company that
                will be
                owned in substantially the same proportions by the persons who held
                the
                Company's securities immediately before such
                transaction.

            

    

    

    
      	10.7	
              Each
                party acknowledges that it has read this Agreement, understands it
                and
                agrees to be bound by its terms. Titles and paragraph headings are
                for
                convenient reference and are not a part of this Agreement. Words
                importing
                the singular shall include the plural number and vice versa and words
                importing the neutral gender shall include the masculine and feminine
                as
                the case may require.

            

    

    

    
      	10.8	
              Nothing
                contained in this Agreement shall be deemed or construed as creating
                a
                joint venture or partnership between ICI and Client. Neither party
                shall
                have any power or authority to bind the other or to act as an agent,
                employee or representative of the
                other.

            

    

    

    
      	10.9	
              Any
                notice required or authorized to be given hereunder may be given
                by
                prepaid first class mail letter or by private overnight carrier,
                addressed
                to the address set forth on the first page hereof or such other address
                as
                a party may specify by written notice. Notice shall be deemed given
                on the
                date of receipt.

            

    

    

    
      	10.10	
              This
                Agreement shall be construed and enforced in accordance with the
                laws of
                the State of California and the United States of America.
                

            

    

     

               
      Any controversy or claim arising out of or relating to this agreement, or the
      making, performance, or interpretation thereof including fee disputes or claims
      of malpractice, negligence, malfeasance or breach of fiduciary duty shall be
      resolved by binding arbitration in accordance with the then current applicable
      Rules of the American Arbitration Association, and the arbitration proceeding
      shall be held in Los Angeles, California, and the arbitrators shall follow
      California law, allow discovery where appropriate and be experienced in the
      subject matter of the matter in dispute. Judgment on the arbitration award
      may
      be entered in any court having jurisdiction over the subject matter of the
      controversy. 

     

    
      
        
        

      

      
        6

        
          

        

      

      
        
        

      

    

    

      NOTICE:
        THE PARTIES ARE AGREEING TO HAVE ANY DISPUTE ARISING OUT OF THE MATTERS INCLUDED
        IN THIS “ARBITRATION OF DISPUTES” PROVISION DECIDED BY NEUTRAL ARBITRATION AS
        PROVIDED BY CALIFORNIA LAW AND THE PARTIES ARE GIVING UP ANY RIGHTS THEY
        MIGHT
        POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. THE PARTIES
        ARE
        GIVING UP THEIR JUDICIAL RIGHTS TO APPEAL, UNLESS SUCH RIGHTS ARE SPECIFICALLY
        INCLUDED IN THE “ARBITRATION OF DISPUTES” PROVISION. IF ANY PARTY REFUSES TO
        SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, SUCH PARTY MAY BE
        COMPELLED TO ARBITRATE UNDER THE AUTHORITY OF THE CALIFORNIA CODE OF CIVIL
        PROCEDURE. THE PARTIES’ AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY.
        THE PARTIES HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES
        ARISING OUT OF THE MATTERS INCLUDED IN THE “ARBITRATION OF DISPUTES” PROVISION
        TO BINDING ARBITRATION. 

       

      
        
          
            	10.11	
                    Attorney’s
                      Fees.
                      Should any arbitration or litigation be commenced between the
                      parties to
                      this Agreement, concerning any provision of this Agreement
                      or the rights
                      and obligations of any party or the estate of any party in
                      relation
                      thereto, the party prevailing in such proceeding shall be entitled,
                      in
                      addition to such other relief as may be granted, to a reasonable
                      sum as
                      and for attorney’s fees and
                      costs.

                  

          

        

        
          	10.12	
                  Counterparts.
                    This Agreement may be executed in counterparts and facsimile
                    signatures
                    have the same force and effect as an original
                    signature.

                

        

      

       

      IN
        WITNESS WHEREOF, the parties have executed this Agreement as of the dates
        shown
        below.

       

      
        	
                INFORMATION
                  CONCEPTS, INC.

              	
                 

              	
                CLIENT:
                  ASSOCIATED THIRD PARTY ADMINISTRATORS

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 By

              	/s/ Bruce
                Biller	
                 

              	
                 By

              	/s/ Richard
                Stierwalt
	
                 

              	
                
                  
Authorized
                  Signature

              	
                 

              	
                 

              	
                
                  
Authorized
                  Signature

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                Bruce
                  Biller

              	
                 

              	
                 

              	
                Richard
                  Stierwalt

              
	
                 

              	
                
                  
Name

              	
                 

              	
                 

              	
                
                  
Name

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                President

              	
                 

              	
                 

              	
                CEO/President

              
	
                 

              	
                
                  
Title

              	
                 

              	
                 

              	
                
                  
Title

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                1/31/08

              	
                 

              	
                 

              	
                1/31/08

              
	
                 

              	
                
                  
Date

              	
                 

              	
                 

              	
                
                  
Date

              
	 	 	 	 	 
	BENEFITS
                TECHNOLOGIES, LLC 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	By	/s/
                Scott VanDeursen	 	 	 
	 	Authorized
                Signature	 	 	 
	 	 	 	 	 
	 	Scott
                VanDeursen	 	 	 
	 	
                 

                Name

              	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	CEO	 	 	 
	 	
                 

                Title

              	 	 	 
	 	
              	 	 	 
	 	1/31/08	 	 	 
	 	
                 

                Date

              	 	 	 

      

       

      
        
          
          

        

        
          7

          
            

          

        

        
          
          

        

      

       

      EXHIBIT
        A

      ICI
        SOFTWARE LICENSE AGREEMENT

       

      
        
          	1.	
                  Client's
                    Computer Facility Location, Address, Designated CPU and Permitted
                    Uses:

                

          	 	 

          	 	
                  Client
                    may run the Software on any CPU(s) owned or leased by Client.
                    

                

          	 	 

          	
                  2.

                	
                  Delivery
                    of Deliverables:

                

          	 	 

          	 	ICI shall deliver to Client a copy
                  of the
                  object code of the Software together with all documentation, written
                  descriptions (Specifications), applicable program narratives
                  and     references necessary to the full utilization
                  of the object code for the Software. 

          	 	 

          	
                  3.

                	
                  License
                    Fee:

                

          	 	 

          	 	$25,000 per month for two years
                  payable on the
                  1st
                  day of each month. 

          	 	 

          	
                  4.

                	
                  Payments
                    shall be paid to:

                

          	 	 

          	 	
                      INFORMATION
                    CONCEPTS, INC. 

                      2200
                    E.
                    Route 66, Suite 102

                      Glendora,
                    CA
                    91740

                      Attention:
                    _____________________

                

          	 	 

          	
                  5.

                	
                  Training
                    of Licensee Personnel

                

          	 	 

          	 	Specifications

          	 	 

          	 	
                  ICI
                    shall provide or have provided one (1) day of training, by at
                    least one
                    (but no more than three) qualified ICI personnel, in the use
                    of the
                    Software, to be attended by up to 10 Client employees, at Client’s
                    Alameda, California location or at such other location as the
                    parties may
                    agree.  The
                    starting dates of the training shall be as agreed by the parties,
                    but in
                    no case later than 180 days after the execution of this Agreement,
                    as
                    required.

                

        

         

      

      
        
          
          

        

        
          8

          
            

          

        

        
          
          

        

      

    

    
      

      
        	
                This
                  Exhibit A is hereby incorporated into and made a part of the ICI
                  Software License Agreement referenced above between ICI and
                  Client.

              
	
                 

              	
                 

              	
                 

              
	
                INFORMATION
                  CONCEPTS, INC.

              	
                 

              	
                CLIENT:
                  ASSOCIATED THIRD PARTY ADMINISTRATORS, INC.

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 By

              	 	
                 

              	
                 By

              	 
	
                 

              	
                
                  
Authorized
                  Signature

              	
                 

              	
                 

              	
                
                  
Authorized
                  Signature

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                
                  
Name

              	
                 

              	
                 

              	
                
                  
Name

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                
                  
Title

              	
                 

              	
                 

              	
                
                  
Title

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                 

              	
                 

              	
                 

              	
                 

              
	
                 

              	
                
                  
Date

              	
                 

              	
                 

              	
                
                  
Date

              

      

    

     

    
      
        
        

      

      
        9

        
          

        

      

      
        
        

      

    

     

    EXHIBIT B

    
      
        PLEDGE
          AGREEMENT

      

    

    

    THIS
      PLEDGE AGREEMENT
      (“Agreement”) is entered into as of this ____ day of ________________, 20____,
      by and among ASSOCIATED THIRD PARTY ADMINISTRATORS, INC. (“Pledgor”) and
      INFORMATION CONCEPTS, INC. (“Pledgee or Secured Party”).

    

    RECITALS

    

    A. PARTIES.
      The
      parties hereto have entered into a WebERF Software License Agreement (“License
      Agreement”) dated January _____, 2008, by and among ASSOCIATED THIRD PARTY
      ADMINISTRATORS, INC. (“ATPA”), and INFORMATION CONCEPTS, INC.
      (“ICI”).

    

    B. PURPOSE.
      Pursuant to the License Agreement, fifty percent (50%) of the membership
      interest owed by ATPA in Trust Benefit Technologies (“TBT”) one pledged as
      security for the monthly payments due for two years pursuant to
      Paragraph _____ and Exhibit A of the License Agreement
      (“Payments”).

    

    NOW,
      THEREFORE,
      in
      consideration of the mutual covenants, agreements, representations, and
      warranties contained in this Agreement, the parties hereto agree as
      follows:

    

    AGREEMENT

    

    1. INCORPORATION
      OF RECITALS.
      The
      Recitals set forth above are true and correct and are incorporated herein by
      this reference.

     

    2. PLEDGE.
      In
      consideration of the amount owed to Pledgee under the License Agreement, Pledgor
      hereby grants a security interest to Pledgee in the Pledged membership interest.
      

     

    3. DIVIDENDS
      OR DISTRIBUTIONS.
      During
      the term of this Agreement, and so long as Pledgor is not in default, Pledgor
      shall be entitled to receive any dividends or distributions declared on the
      Pledged Shares by the LLC.

     

    4. VOTING
      RIGHTS.
      During
      the term of this Agreement, and so long as Pledgor is not in default, Pledgor
      shall have the right to vote the Pledged membership interest on any matters.
      

     

    5. RESTRICTIONS
      ON SHARES.
      Pledgee
      acknowledges that he/she is aware that the Pledged Shares are subject to the
      Shareholders’ Agreement, and that the Shareholders’ Agreement places
      restrictions on any voting rights transfer of the Pledged Shares for the two
      years payment term set forth in the License Agreement.

     

    6. PAYMENT
      OF THE NOTE.
      Upon
      satisfactory written evidence that the payments have been fully paid, the
      License Agreement will terminate, the WebERF software will transfer immediately
      to TBT, and this Pledge Agreement will be extinguished.

     

    
      
        
        

      

      
        10

        
          

        

      

      
        
        

      

    

     

    7. OTHER
      COVENANTS OF PLEDGOR.
      Until
      such time as the Note has been fully paid, the parties hereto agree as follows:
      No membership interest(s) may be sold with voting rights for the two-year term
      of payments.

     

    8. DEFAULT.
      (a) In
      the event that Pledgor defaults in the performance of any of the terms of this
      Agreement or the License Agreement, Pledgee shall give written notice of the
      default (the “Notice”) to the Pledgor at the address set forth in
      Paragraph 12, below or at such other address as any party may direct in
      writing. Pledgor shall have forty-five (45) days from receipt of the Notice
      to
      cure the default. If the default is not cured within such forty-five (45) day
      period, (i) Pledgee may declare the entire balance due on the Note immediately
      due and payable and may thereafter proceed to collect the balance owing on
      the
      Note, plus any interest and reasonable costs of collection and reasonable
      attorney’s fees in connection therewith; or (ii) Pledgee may notify State in
      writing that Pledgor was given the forty-five (45) day written notice and failed
      to cure the default within such time period. Within ten (10) days of its receipt
      of such notice, ATPA shall deliver to Pledgee the blank endorsed membership
      certificate(s), evidencing the Pledged Interest(s). Upon Pledgee’s receipt of
      the certificates, the Pledged Shares shall be deemed to have been reissued
      by
      the Corporation with all the voting, dividend and other rights conferred upon
      a
      shareholder, on a sliding scale basis as set forth in Paragraph 9 (b)
      hereinbelow;

     

    (b)
      Upon
      a default and Pledgee properly following the default provisions in
      Paragraph 9(a) to secure the performance of this License Agreement, ATPA
      shall pledge one-half (1/2) of membership interest in TBT, which interests
      shall
      transfer to ICI upon default by ATPA under the License Agreement as provided
      hereunder. The membership interests that are subject to the pledge agreement
      shall be reduced by ten percent (10%) for every $100,000 paid by ATPA to ICI
      pursuant to the License Agreement, provided that the pledge amount shall never
      be reduced below an amount such that the sum of ICI’s membership interest in the
      pledge amount is less than fifty-one percent (51%) of the total voting
      membership interest of the Company, and provided further that in the event
      of
      issuances of additional voting membership interests of the Company or other
      diluting events, the pledge amount shall be adjusted (including increased,
      as
      applicable, but not above one-half of ATPA’s total membership interest), to meet
      the minimum fifty-one percent (51%) requirement. 

     

    9. WAIVER.
      Pledgee’s failure to promptly exercise any right or remedy provided herein or by
      law shall not be a waiver of any obligation of Pledgor nor shall it constitute
      a
      modification of this Agreement.

     

    10. AMENDMENTS.
      This
      Agreement may be amended only by written consent of all of the parties
      hereto.

     

    11. NOTICES.
      Any and
      all notices, demands, requests, or other communications required or permitted
      by
      this Agreement or by law to be served on, given to, or delivered to any party
      hereto by any other party to this Agreement shall be in writing and shall be
      transmitted to the last known address of the recipient. Notice may be given
      by
      U.S. first-class mail, postage prepaid; certified mail, return receipt
      requested; U.S. Express Mail; courier; facsimile, or by electronic transmission
      (“e-mail”). If sent by U.S. first-class mail, it shall be deemed given
      forty-eight (48) hours after mailing. With all other means of delivery, it
      shall
      be deemed given on the date confirmed by the transmitter.

     

    
      
        
        

      

      
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    12. ATTORNEY'S
      FEES.
      Should
      any arbitration or litigation be commenced between the parties to this
      Agreement, concerning any provision of this Agreement or the rights and
      obligations of any party or the estate of any party in relation thereto, the
      party prevailing in such proceeding shall be entitled, in addition to such
      other
      relief as may be granted, to a reasonable sum as and for attorney's fees and
      costs.

     

    13. ARBITRATION.
      Any
      controversy or claim arising out of, or relating to this Agreement, or the
      making, performance or interpretation thereof, which is not resolved through
      the
      mediation process referred to above, shall be resolved by binding arbitration
      in
      accordance with the Rules of the American Arbitration Association then existing,
      and judgment on the arbitration award may be entered in any court having
      jurisdiction over the subject matter of the controversy. Arbitration shall
      take
      place in Los Angeles, California. The arbitrators selected shall be persons
      experienced in the subject matter of the dispute. The parties shall have the
      right to discovery in accordance with Code of Civil Procedure Section
      1283.05.

     

    NOTICE:
      THE PARTIES ARE AGREEING TO HAVE ANY DISPUTE ARISING OUT OF THE MATTERS INCLUDED
      IN THIS "ARBITRATION OF DISPUTES" PROVISION DECIDED BY NEUTRAL ARBITRATION,
      AS
      PROVIDED BY CALIFORNIA LAW, AND THE PARTIES ARE GIVING UP ANY RIGHTS THEY MIGHT
      POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. THE PARTIES
      ARE
      GIVING UP THEIR JUDICIAL RIGHTS TO APPEAL, UNLESS SUCH RIGHTS ARE SPECIFICALLY
      INCLUDED IN THE "ARBITRATION OF DISPUTES" PROVISION. IF ANY PARTY REFUSES TO
      SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, SUCH PARTY MAY BE
      COMPELLED TO ARBITRATE UNDER THE AUTHORITY OF THE CALIFORNIA CODE OF CIVIL
      PROCEDURE. THE PARTIES' AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY.
      THE PARTIES HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES
      ARISING OUT OF THE MATTERS INCLUDED IN THE "ARBITRATION OF DISPUTES" PROVISION
      TO NEUTRAL ARBITRATION. 

     

    14. BINDING
      AGREEMENT.
      This
      Agreement shall bind and inure to the benefit of the parties hereto and their
      respective successors, assigns, personal representatives, heirs and
      legatees.

     

    15. SEVERABILITY.
      If any
      provision of this Agreement is held by a Court of competent jurisdiction to
      be
      invalid, void or unenforceable, the remaining provisions shall nevertheless
      continue in full force without being impaired or invalidated in any
      way.

     

    16. GOVERNING
      LAW.
      This
      Agreement shall be construed in accordance with, and governed by the laws of
      the
      State of California.

     

    17. ASSIGNMENT.
      The
      rights and obligations hereunder shall not be assignable by any party, except
      by
      Corporation to a wholly-owned subsidiary, division or affiliate, without the
      prior written consent of all parties hereto.

     

    
      
        
        

      

      
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      18. COUNTERPARTS.
      This
      Agreement may be executed in counterparts and facsimile signatures have the
      same
      force and effect as an original signature.

     

    IN
      WITNESS WHEREOF,
      the
      parties to this Agreement have duly executed it on the day and year first above
      written.

     

    
      
        	
                PLEDGOR:

              	 	 	 PLEDGEE:
	 	 	 	 
	
              	 	 	
              
	
                

              	 	 	
                

              

      

    

     

    
      
        
        

      

      
        13

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