Document:

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                                                                   EXHIBIT 10.12

                      ADMINISTAFF, INC. 2001 INCENTIVE PLAN

                           RESTRICTED STOCK AGREEMENT

            This Restricted Stock Agreement ("Agreement") is between
ADMINISTAFF, INC. (the "Company") and (the "Grantee"), an employee of the
Company or one of its Subsidiaries, regarding an award ("Award") of ____________
shares of Common Stock (as defined in the ADMINISTAFF, INC. 2001 INCENTIVE PLAN
(the "Plan"), such Common Stock comprising this Award referred to herein as
"Restricted Stock") awarded to the Grantee on February 1, 2005 (the "Award
Date"), such number of shares subject to adjustment as provided in Section 13 of
the Plan, and further subject to the following terms and conditions:

            1. RELATIONSHIP TO PLAN. This Award is subject to all of the terms,
conditions and provisions of the Plan and administrative interpretations
thereunder, if any, which have been adopted by the Committee thereunder and are
in effect on the date hereof. Except as defined herein, capitalized terms shall
have the same meanings ascribed to them under the Plan.

            2. VESTING SCHEDULE.

            (a) The Award hereby granted shall become vested in three (3)
cumulative annual installments, with one-third (1/3) of the Restricted Stock
becoming vested on the first (1st) anniversary of the Award Date, another
one-third (1/3) becoming vested on the second (2nd) anniversary of the Award
Date, and the remaining one-third (1/3) becoming vested on the third (3rd)
anniversary of the Award Date.

            (b) All shares of Restricted Stock subject to this Award shall vest,
irrespective of the limitations set forth in subparagraph (a) above, provided
that the Grantee has been in continuous Employment since the Award Date, upon
the occurrence of:

                  (i) a Change in Control or

                  (ii) the Grantee's termination of Employment by reason of
            death or Disability.

            (c) For purposes of this Agreement:

                  (i) "Disability" means physical or mental impairment (a) which
            causes a Grantee to be unable to perform the normal duties for an
            Employer as determined by the Committee in its sole discretion; and
            (b) which is expected either to result in death (or blindness) or to
            last for a continuous period of at least twelve (12) months. The
            Committee may require that the Grantee be examined by a physician or
            physicians selected by the Committee.

                  (ii) "Employment" means employment with the Company or any of
            its Subsidiaries.

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            3. FORFEITURE OF AWARD. Except as provided in any other written
agreement between the Grantee and the Company, if the Grantee's Employment
terminates other than by reason of death or Disability, all unvested Restricted
Stock as of the termination date shall be forfeited.

            4. ESCROW OF SHARES. During the period of time between the Award
Date and the earlier of the date the Restricted Stock vests or is forfeited (the
"Restriction Period"), the Restricted Stock shall be registered in the name of
the Grantee and held in escrow by the Company, and the Grantee agrees, upon the
Company's written request, to provide a stock power endorsed by the Grantee in
blank. If any certificate is issued during the Restriction Period, it shall bear
a legend as provided by the Company, conspicuously referring to the terms,
conditions and restrictions described in this Agreement. Upon termination of the
Restriction Period, a certificate representing such shares shall be delivered
upon written request to the Grantee as promptly as is reasonably practicable
following such termination.

            5. CODE SECTION 83(b) ELECTION. The Grantee shall be permitted to
make an election under Code Section 83(b), to include an amount in income in
respect of the Award of Restricted Stock in accordance with the requirements of
Code Section 83(b).

            6. DIVIDENDS AND VOTING RIGHTS. The Grantee is entitled to receive
all dividends and other distributions made with respect to Restricted Stock
registered in his name and is entitled to vote or execute proxies with respect
to such registered Restricted Stock, unless and until the Restricted Stock is
forfeited.

            7. DELIVERY OF SHARES. The Company shall not be obligated to deliver
any shares of Common Stock if counsel to the Company determines that such sale
or delivery would violate any applicable law or any rule or regulation of any
governmental authority or any rule or regulation of, or agreement of the Company
with, any securities exchange or association upon which the Common Stock is
listed or quoted. The Company shall in no event be obligated to take any
affirmative action in order to cause the delivery of shares of Common Stock to
comply with any such law, rule, regulation or agreement.

            8. NOTICES. Unless the Company notifies the Grantee in writing of a
different procedure, any notice or other communication to the Company with
respect to this Award shall be in writing and shall be:

            (a) by registered or certified United States mail, postage prepaid,
      to Administaff, Inc., Attn: Corporate Secretary, 19001 Crescent Springs
      Drive, Kingwood, Texas 77339; or

            (b) by hand delivery or otherwise to Administaff, Inc., Attn:
      Corporate Secretary, 19001 Crescent Springs Drive, Kingwood, Texas 77339.

            Notwithstanding the foregoing, in the event that the address of the
Company is changed prior to the date of any exercise of this Award, notice of
exercise shall instead be made pursuant to the foregoing provisions at the
Company's then current address.

                                      -2-
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            Any notices provided for in this Agreement or in the Plan shall be
given in writing and shall be deemed effectively delivered or given upon receipt
or, in the case of notices delivered by the Company to the Grantee, five days
after deposit in the United States mail, postage prepaid, addressed to the
Grantee at the address specified at the end of this Agreement or at such other
address as the Grantee hereafter designates by written notice to the Company.

            9. ASSIGNMENT OF AWARD. Except as otherwise permitted by the
Committee, the Grantee's rights under the Plan and this Agreement are personal;
no assignment or transfer of the Grantee's rights under and interest in this
Award may be made by the Grantee other than by will or by the laws of descent
and distribution or by a qualified domestic relations order, and this Award is
payable during his lifetime only to the Grantee, or in the case of a grantee who
is mentally incapacitated, this Award shall be payable to his guardian or legal
representative.

            10. PAYMENT OF PAR VALUE. The Company's obligation to deliver the
shares of Restricted Stock to Grantee upon the vesting of such shares shall be
subject to the payment in full of the requisite par value per share of the
shares of Restricted Stock prior to such issuance (collectively, the "Par
Value"). If the Company has not received from Grantee cash, a check or other
available funds for the full amount of the Par Value by 5:00 P.M. Central
Standard Time within thirty (30) days after the Award Date, or Grantee has not
made by that date such other provision for the payment of the Par Value in form
satisfactory to the Committee or Board in its sole discretion, the Company shall
pay the Par Value of the shares of Restricted Stock on behalf of Grantee and
will report the amount of such payment as income to Grantee for the taxable
period of Grantee during which the shares of Restricted Stock are granted.
Grantee acknowledges and agrees that he shall be responsible for the payment of
any and all federal, state and local taxes on such income if the Company pays
the Par Value on behalf of Grantee.

            11. WITHHOLDING. The Company's obligation to deliver shares of
Restricted Stock to the Grantee upon the vesting of such shares shall be subject
to the satisfaction of all applicable federal, state and local income and
employment tax withholding requirements (the "Required Withholding"). The
Company shall withhold from the Restricted Stock that would otherwise have been
delivered to the Grantee the number of shares necessary to satisfy the Grantee's
Required Withholding, and deliver the remaining whole shares of Restricted Stock
to the Grantee, unless the Grantee has made arrangements with the Company for
the Grantee to deliver to the Company cash, a check or other available funds for
the full amount of the Required Withholding by 5:00 p.m. Central Standard Time
on the date the shares of Restricted Stock become vested. The amount of the
Required Withholding and the number of shares of Restricted Stock to be withheld
by the Company, if applicable, to satisfy the Grantee's Required Withholding,
shall be based on the Fair Market Value of the shares of vested Restricted Stock
on the date prior to the applicable date of vesting.

            12. STOCK CERTIFICATES. Certificates representing the Common Stock
issued pursuant to the Award will bear all legends required by law and necessary
or advisable to effectuate the provisions of the Plan and this Award. The
Company may place a "stop transfer" order against shares of the Common Stock
issued pursuant to this Award until all restrictions and conditions set forth in
the Plan or this Agreement and in the legends referred to in this Section 12
have been complied with.

                                      -3-
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            13. SUCCESSORS AND ASSIGNS. This Agreement shall bind and inure to
the benefit of and be enforceable by the Grantee, the Company and their
respective permitted successors and assigns (including personal representatives,
heirs and legatees), except that the Grantee may not assign any rights or
obligations under this Agreement except to the extent and in the manner
expressly permitted in Section 9 of this Agreement.

            14. NO EMPLOYMENT GUARANTEED. No provision of this Agreement shall
confer any right upon the Grantee to continued Employment with the Company or
any Subsidiary.

            15. CODE SECTION 409A COMPLIANCE. If any provision of this Agreement
would result in the imposition of an excise tax under Section 409A of the Code
and related regulations and Treasury pronouncements ("Section 409A"), that
provision will be reformed to avoid imposition of the excise tax and no action
taken to comply with Section 409A shall be deemed to impair a benefit under this
Agreement.

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

            17. AMENDMENT. Except as set forth herein, this Agreement cannot be
modified, altered or amended except by an agreement, in writing, signed by both
the Company and the Grantee.

                                            ADMINISTAFF, INC.

Award Date:  February 1, 2005               By:  _____________________________ _
                                            Name:  Paul J. Sarvadi
                                            Title: Chairman of the Board and
                                                   Chief Executive Officer

            The Grantee hereby accepts the foregoing Restricted Stock Agreement,
subject to the terms and provisions of the Plan and administrative
interpretations thereof referred to above.

                                                GRANTEE:

Date:  February __, 2005
                                                ________________________________

                                                Grantee's Address:
                                                ________________________________

                                                ________________________________

                                                ________________________________

                                      -4-<PAGE>
                                                                   Exhibit 10.26

*** INDICATES MATERIAL HAS BEEN OMITTED PURSUANT TO A CONFIDENTIAL TREATMENT
REQUEST FILED WITH THE SECURITIES AND EXCHANGE COMMISSION. A COMPLETE COPY OF
THIS AGREEMENT HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
COMMISSION.

                 AMENDMENT TO VARIOUS AGREEMENTS BETWEEN UNITED
          HEALTHCARE INSURANCE COMPANY AND ADMINISTAFF OF TEXAS, INC.

WHEREAS, United HealthCare Insurance Company ("United HealthCare") and
Administaff of Texas, Inc. ("Administaff") entered into certain agreements
establishing a minimum premium arrangement ("Minimum Premium Arrangement") for
the provision of medical and dental benefits to Administaff Inc.'s employees;
and

WHEREAS, those agreements were the Security Deposit Agreement (effective
December 21, 2001), the Minimum Premium Administrative Services Agreement ("MP
Services Agreement") (effective January 1, 2002), and the Minimum Premium
Financial Agreement ("MP Financial Agreement") (effective January 1, 2002); and

WHEREAS, United HealthCare and Administaff have agreed to amend the Agreements;

NOW THEREFORE, the Security Deposit Agreement, the MP Services Agreement and MP
Financial Agreement are amended as follows effective as of the dates indicated
below:

The Security Deposit Agreement

1.    Section 1 of the Security Deposit Agreement is amended to delete the third
sentence and substitute the following:

      Effective December 31, 2003, the required Security Deposit shall be
      Seventeen Million, Five Hundred Thousand and No/100 Dollars ($17,500,000).
      On or before January 31, 2004, United HealthCare shall remit to
      Administaff the excess of the actual Security Deposit as of December 31,
      2003 over the required $17,500,000.

2.    Effective June 20, 2003, Section 1 of the Security Deposit Agreement is
amended to add the following as a new paragraph at the end of Section 1.

      Upon Administaff's request, United HealthCare and Administaff will
      negotiate in good faith the terms of an agreement under which a premium
      stabilization reserve or its equivalent ("PSR") held by United HealthCare
      would be substituted for all or some of the Security Deposit provided for
      herein. Any such PSR would, when combined with the remaining Security
      Deposit, if any, provide United HealthCare the same overall level of risk
      protection as the Security Deposit existing at the time of such PSR
      negotiation.

The MP Financial Agreement

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1.    Effective April 1, 2002, section 1(s) of the MP Financial Agreement is
amended by adding the following sentence at the end:

      The additions, deletions and substitutions agreed to by the Employer and
      the Company shall be reflected on Exhibit D.

2.    Effective January 1, 2004, the MP Financial Agreement is amended by adding
a new section 2(e) to provide as follows:

      (e)   Removal of Dental Benefits. Effective January 1, 2004, the Agreement
            shall not include or provide dental benefits under the Minimum
            Premium Arrangement, and shall be construed to be so amended,
            including the following changes: (i) the definition of "Health
            Benefits" in section 1(i) shall not include dental benefits, (ii)
            the Maximum Monthly Employer Benefit Obligation described in section
            1(m) shall be calculated without including the Dental Policy, (iii)
            "Policy" as defined in section 1(s) shall not include the Dental
            Policy or any other policy providing dental benefits to Employees,
            (iv) "Non-MP Policy as defined in section 1(p) shall not include the
            Dental Policy or any other policy providing dental benefits to
            Employees, and (v) the MP Premium described in section 3(a) shall be
            calculated without including the Dental Policy. The Company shall
            cause the dental benefits to be so removed in a manner consistent
            with funding and accounting actions required upon termination of the
            Agreement as set forth in Exhibit A, including the Company's (I)
            funding of dental claims incurred under the Dental Policy prior to
            January 1, 2004, but paid on or after such date, (II) issuance of a
            final accumulated surplus/deficit accounting with respect to the
            Dental Policy as a Final Termination Review within 195 calendar days
            of December 31, 2003, and (III) adjustment of the IBNR Reserve in a
            manner consistent with the Final Termination Review with respect to
            the Dental Policy; provided that the Company shall issue an
            accumulated surplus/deficit accounting with respect to the Dental
            Policy as an Initial Termination Review by February 15, 2004.

      (f)   After December 31, 2003, the Dental Policy (or any policy providing
            dental benefits) shall not be included in any determination of
            Accumulated Surplus or Accumulated Deficit or in any Initial or
            Final Termination Review required under Exhibit A, except for the
            Initial and Final Termination Reviews with respect to the Dental
            Policy described in section 2(e).

3.    Section 1(m) of the MP Financial Agreement is amended effective January 1,
2003, by deleting the provisions of section 1(m) in their entirety and
substituting the following provision:

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      (m)   "Maximum Monthly Employer Benefit Obligation" for an Arrangement
            Month shall be the amount determined in Exhibit D hereto. The
            Maximum Monthly Employer Benefit Obligation for an Arrangement Month
            (other than the first Arrangement Month of an Arrangement Quarter)
            shall be increased by the amount by which the Maximum Employer
            Benefit Obligation in the prior Arrangement Month exceeded the
            Health Benefits Paid in that Month.

4.    Section 3(a) of the MP Financial Agreement is amended effective January 1,
2003, by deleting the provisions of section 3(a) in their entirety and
substituting the following:

      (a)   MP Premium. The MP Premium for the Policies for the Arrangement
            Month shall be the amount determined pursuant to Exhibit D hereto.
            The MP premium is due on the first day of the Arrangement Month to
            which it applies. As provided in section 1(v) of the Agreement, the
            MP Premium may include any adjustments authorized in Exhibit E of
            the MP Administrative Services Agreement in respect of previous
            Arrangement Months including any additions, terminations or changes
            in coverage not known at the beginning of the Arrangement Month to
            which such MP Premium applies.

5.    Effective January 1, 2004, Exhibit A to the MP Financial Agreement is
amended by deleting section 1 and substituting the following:

      The Policies. The Employer has entered into a Minimum Premium Arrangement
      covering certain of the Company's insurance policies or HMOs. The
      Arrangement covers those Policies identified in section 1(s) of the
      Agreement. The Company has also issued Non-MP Policies to the Employer
      which policies are not subject to the Minimum Premium Arrangement; these
      policies are identified in Exhibit B.

6.    Effective January 1, 2004, Exhibit A to the MP Financial Agreement is
amended by adding a new Appendix II, and by deleting the first sentence in
section 2.a and substituting the following:

      A monthly composite rate for the Policies and the Non-MP Policies
      collectively ("Monthly Payable Rate") is established for each Arrangement
      Quarter as provided in this Exhibit A, and effective January 1, 2004, as
      further provided in Appendix II to this Exhibit.

7.    Effective January 1, 2004, Exhibit A to the MP Financial Agreement is
amended by adding the following provisions after the first paragraph of section
4.a:

      In addition, effective January 1, 2004, in setting the Monthly Payable
      Rate, the Company shall take into account an Accumulated Deficit or
      Accumulated Surplus no earlier than the first Arrangement Quarter
      beginning 90 days after the

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      Quarterly Review. In the case of an Accumulated Deficit, the Company shall
      recover such Accumulated Deficit over no fewer than *** successive
      Arrangement Quarters beginning at least 90 days after the Quarterly
      Review; provided, however, that if the Accumulated Deficit as of the end
      of an Arrangement Quarter that is the subject of the Quarterly Review
      exceeds *** of the "Aggregate Premiums" for such Arrangement Quarter, the
      Company may recover such Accumulated Deficit over fewer than ***
      Arrangement Quarters. For this purpose, "Aggregate Premiums" for an
      Arrangement Quarter shall be the product of (A) the Monthly Payable Rate
      for such quarter, (B) the number of Employees covered under the Policies
      and Non-MP Policies as of the 15th of the last month of the preceding
      Arrangement Quarter, and (C) three (3).

8.    Effective October 1, 2003, section 6.h of Exhibit A to the MP Financial
Agreement is amended by deleting the second and third sentences thereof and
substituting the following sentence:

      The Expense Percentage for the Policies and the Non-MP Policies is set
      forth in Exhibit D to the Agreement.

9.    Effective January 1, 2003, the MP Financial Agreement is amended by adding
new Exhibit D, attached hereto.

MP Services Agreement

1.    Effective January 1, 2004, the MP Services Agreement is amended by
deleting section 6(b)(iii) and substituting the following:

      except as provided in Exhibit F to the Agreement, each Employee is offered
      concurrently no more than *** option in addition to the Company's dental
      benefit plan (where offered);

2.    Effective January 1, 2004, section 6 of the MP Services Agreement is
amended to add the following sentence at the end of subsection (b).

      For purposes of this section (6)(b), "the Plan" shall mean the plan of
      benefits provided by the Employer under both the Policies and the Non-MP
      Policies.

3.    Effective January 1, 2004, the MP Services Agreement is amended by
deleting section 8(b) and substituting the following:

      In the event that a state or other jurisdiction, in accordance with
      existing or future law, imposes upon the Company the duty to act as agent
      for collection of any Tax imposed on the Plan or the Employer or with
      respect to any aspect of the Plan, a Policy, a Non-MP Policy, the MP
      Financial Agreement, or the Agreement, the Employer will pay over any such
      amount to the Company when requested to do so by the Company, subject to
      receipt by the Employer from the Company of

                                       4
<PAGE>

      prompt notice concerning such matter and exercise by the Employer of its
      rights as stated under subsection 8(a) above.

4.    Effective January 1, 2004, Exhibit F of the MP Services Agreement is
amended to add the following to the end of section A:

      For purposes of this Exhibit F, "Employees" shall include employees of the
      Employer covered under Non-MP Policies as well as the Policies.

5.    Effective June 20, 2003, Exhibit F of the MP Services Agreement is amended
by adding the following new section 8:

      8.    Process for Considering Alternative Vendors in Special Markets

      a.    Effective January 1, 2004, the special procedures for alternate
            vendors described in this section 8 shall apply to the following
            markets ("Special Markets"):

            i.    ***

            ii.   ***

            iii.  ***

            iv.   ***

            v.    ***

            vi.   ***

      b.    The Employer and the Company shall discuss in detail whether and
            upon what terms the offering of vendors other than the Company
            ("Alternate Vendors") in the Special Markets would be a viable
            alternative to the current approach in any or all of the Special
            Markets, including but not limited to, the following:

                  i.    pricing, product and other competitive information;

                  ii.   the specific advantages expected to be gained from
                        offering an Alternate Vendor;

                  iii.  the anticipated process and terms for introducing and
                        offering an Alternate Vendor's product, including price,
                        contribution, product and benefit plan design
                        differences, and employee vs Client selection process;
                        and

                  iv.   whether some combination of different or additional
                        Company offerings would best serve the Employer,

                                       5
<PAGE>

      c.    Following these discussions, the Employer may offer an Alternate
            Vendor in a Special Market without regard to notice and cure
            provisions of section 5 of this Exhibit F. Any vendor changes made
            by the Employer pursuant to this section shall be memorialized in an
            amendment to this Exhibit F. Taking into account the discussions
            with the Employer, the Company's existing offerings, and the size
            and product distribution of the existing membership in the Special
            Market, the Company shall elect one of the following:

                  i.    Continue to offer to the Employer an *** and/or ***
                        option at the Client level. (All co-employees of a
                        Client would be offered ***.);

                  ii.   Continue to offer to the Employer an *** and/or ***
                        option at the employee level, where Clients may elect
                        more ***.

                  iii.  Discontinue offering any option to the Employer in the
                        Special Market.

      d.    If the Employer offers one or more Alternate Vendors in a Special
            Market, this change in product offering may result in changes in the
            Monthly Payable Rate, Quoted Premiums or premiums of Non-MP
            Policies; provided however that any such rate or premium change for
            a Special Market would not be effective before the later of (i) the
            date the Alternate Vendor's coverage becomes effective and (ii) the
            first of the month following 30 days advance written notice of such
            rate or premium change by the Company to the Employer.

UNITED HEALTHCARE                            ADMINISTAFF OF
INSURANCE COMPANY                            TEXAS, INC.

By: /s/ Simeon Schindelman                   By: /s/ Richard Rawson
    ------------------------------               -----------------------------
          Authorized Signature                           Authorized Signature

 Name: Simeon Schindelman                     Name: Richard Rawson

  Title: President, Small Business             Title: President

  Date:11/9/04                                 Date: December 3, 2004

                                       6
<PAGE>

                                    EXHIBIT A

                                   APPENDIX II

               METHODOLOGY FOR ESTABLISHING MONTHLY PAYABLE RATES

1.    Paragraph 2 of Exhibit A of the MP Financial Agreement provides that the
      Company will establish for each Arrangement Quarter the Monthly Payable
      Rate, a monthly *** rate for the Policies and the Non-MP Policies
      collectively (for purposes of this Appendix II, the "MPR"), which rate
      will then be used to establish the monthly premiums for the Policies and
      Non-MP Policies. Certain components of the Company's methodology for
      determining the MPR for an Arrangement Quarter are reflected in a rate
      calculation worksheet that is provided by the Company to the Employer when
      the Company communicates the new MPR to the Employer pursuant to section
      4.a of Exhibit A ("Rate Calculation Worksheet"),

2.    Effective for the Arrangement Quarter beginning January 1, 2004, the
      methodology used by the Company for establishing the MPR shall include the
      following components:

      a.    In estimating future PEPM claims, the Company shall utilize (i) the
            claims paid in the *** months preceding the month in which the MPR
            is established, and (ii) the covered Employee headcount for the ***
            month period beginning two months before the *** month period used
            in item (i) (such two-month earlier period hereinafter referred to
            as the "Base Period"). For example, assuming the MPR for the second
            Arrangement Quarter of 2004 is established by the Company in
            December 2003, the Company would use the paid claims experience from
            *** through ***, and the covered Employee headcount for the period
            *** through ***.

      b.    Any adjustment to the MPR due to changes in health cost risk factors
            shall be actuarially justifiable (i.e., using credible database and
            tools agreed upon by Employer and Company). The Company's tabular
            data used to make the adjustments shall be documented and discussed
            in the

<PAGE>

            Rate Calculation Worksheet, and the Company shall not change such
            tabular data more frequently than annually.

      c.    The Company shall apply rate adjustments to reflect changes in the
            following health cost risk factors between the Base Period and the
            Arrangement Quarter for which the MPR is being developed.
            (Continuing the example from subparagraph (a), the base period is
            *** through *** and Arrangement Quarter for which the MPR is being
            developed is the second Arrangement Quarter of 2004.)

             i.      Age

             ii.     Gender distribution

             iii.    Family size distribution

             iv.     Geographic distribution

             v.      Enrollment distribution by plan type (HMO, PPO, etc)

             vi.     Plan design changes

      d.    In estimating future PEPM claims, the Company shall apply cost
            change trend factors for medical claims and prescription drug claims
            separately. In addition, the trend period will be the period between
            the mid-point of the Base Period and the mid-point of the
            Arrangement Quarter for which the MPR is being developed.

      e.    The Company shall establish trend factors based on a reasonable
            assessment of risk and cost changes in projecting future medical and
            prescription drug claims. The Company shall limit the change in
            trend factors used to project medical and prescription drug claims
            to an increase of *** above the trend factors used to establish the
            Monthly Payable Rate for the prior Arrangement Quarter. This change
            in trend factor limitation will not be applicable if:

             (i)   the Employer modifies its management practices such that, for
                   the Arrangement Month in which the

<PAGE>

                  trend factor is established, there has been (a) more than a
                  *** increase in the number of Clients (as defined in the MP
                  Services Agreement) with less than *** enrollees over the
                  number of such Clients in the last month of the immediately
                  preceding Arrangement Quarter, or (b) more than a *** increase
                  in the number of COBRA enrollees over the number of COBRA
                  enrollees covered in the last month of the immediately
                  preceding Arrangement Quarter , or

            (ii)  for the Arrangement Month in which the trend factor is
                  established, the age/gender factor has increased more than ***
                  over the factor for the last month of the immediately
                  preceding Arrangement Quarter.

      In the event the threshold in any of the conditions listed in (i) or (ii)
      above is exceeded, the trend factors used to project medical and
      prescription drug claims may be increased up to *** above the trend
      factors used in the immediately preceding Rate Calculation Worksheet.

      f.    The Company shall reflect administration, profit/risk charge, and
            premium tax as separate items in the Rate Calculation Worksheet.

3.    The Company may change the rate setting methodology described in this
      Appendix II upon 180 days notice to the Employer.

4.    The Company shall report to the Employer in detail on the establishment of
      the MPR in the Rate Calculation Worksheet.

<PAGE>

                           EXHIBIT B - NON-MP POLICIES

The insurance policies, HMO contracts and similar arrangements on the following
list are considered "Non-MP Policies" for purposes of the Agreement. Such list
shall be deemed modified by the Current Policy List provided by the Company as
part of the Quarterly Review, unless the Employer objects within 30 calendar
days of receipt.

<TABLE>
<CAPTION>
UNET POLICY
  NUMBER                      MARKET                           EFFECTIVE DATE    TERMINATION DATE
--------------------------------------------------------------------------------------------------
<S>               <C>                                          <C>              <C>
                  Select HMO - Downstate New York
701648AA                       ACTIVE                            01/01/02
701648AB                       COBRA                             01/01/02
701648B                        ACTIVE w/o Dental                 01/01/04
701648BQ                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Select HMO - New Jersey
701648AC                       ACTIVE                            01/01/02
701648AD                       COBRA                             01/01/02
701648BR                       ACTIVE w/o Dental                 01/01/04
701648BS                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Select HMO - Illinois
701648AE                       ACTIVE                            01/01/02
701648AF                       COBRA                             01/01/02
701648BT                       ACTIVE w/o Dental                 01/01/04
701648BU                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Select HMO - Texas
701648AG                       ACTIVE                            01/01/02       12/31/03
701648AH                       COBRA                             01/01/02       12/31/03
--------------------------------------------------------------------------------------------------
                  Select HMO - Upstate New York
701648BJ                       ACTIVE                            01/01/02
701648BK                       COBRA                             01/01/02
701648DS                       ACTIVE w/o Dental                 01/01/04
701648DT                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Florida
701648AI                       ACTIVE                            01/01/02
701648AJ                       COBRA                             01/01/04
--------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
UNET POLICY
  NUMBER                     MARKET                            EFFECTIVE DATE    TERMINATION DATE
--------------------------------------------------------------------------------------------------
<S>               <C>                                          <C>               <C>
701648BZ                       ACTIVE w/o Dental                 01/01/04
701648C                        COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Arizona
701648AP                       ACTIVE                            01/01/02
701648AT                       COBRA                             01/01/02
701648CS                       ACTIVE w/o Dental                 01/01/04
701648CT                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Ohio
701648AX                       ACTIVE                            01/01/02
701648BA                       COBRA                             01/01/02
701648CU                       ACTIVE w/o Dental                 01/01/04
701648CV                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Georgia
701648BB                       ACTIVE                            01/01/02
701648BC                       COBRA                             01/01/02
701648CY                       ACTIVE w/o Dental                 01/01/04
701648CZ                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Kentucky
701648BD                       ACTIVE                            01/01/02
701648BE                       COBRA                             01/01/02
701648D                        ACTIVE w/o Dental                 01/01/04
701648DL                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Texas
701648BF                       ACTIVE                            01/01/02
701648BG                       COBRA                             01/01/02
701648DN                       ACTIVE w/o Dental                 01/01/04
701648DP                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Utah
701648BL                       ACTIVE                            01/01/02
701648BN                       COBRA                             01/01/02
701648DU                       ACTIVE w/o Dental                 01/01/04
701648DV                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Missouri
--------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
UNET POLICY
  NUMBER                      MARKET                           EFFECTIVE DATE    TERMINATION DATE
--------------------------------------------------------------------------------------------------
<S>               <C>                                          <C>               <C>
701648BP                       ACTIVE                            01/01/02
701648BX                       COBRA                             01/01/02
701648DX                       ACTIVE w/o Dental                 01/01/04
701648DY                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Arkansas
701648CA                       ACTIVE                            01/01/02
701648CB                       COBRA                             01/01/02
                  HMO Choice - Arkansas
701648DZ                       ACTIVE w/o Dental                 01/01/04
701648E                        COBRA w/o Dental                  01/01/04
------------------------------------------------------------- ------------------------------------
                  Choice HMO - Mississippi
701648CC                       ACTIVE                            01/01/02
701648CD                       COBRA                             01/01/02
701648EA                       ACTIVE w/o Dental                 01/01/04
701648EB                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - District of Columbia
701648CG                       ACTIVE                            01/01/02
701648CH                       COBRA                             01/01/02
701648EE                       ACTIVE w/o Dental                 01/01/04
701648EF                       COBRA w/o Dental                  01/01/04
---------------------------------------------------------------- ---------------------------------
                  Choice HMO - Virginia
701648CI                       ACTIVE                            01/01/02
701648CJ                       COBRA                             01/01/02
701648EG                       ACTIVE w/o Dental                 01/01/04
701648EH                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Tennessee
701648CE                       ACTIVE                            01/01/02
701648CF                       COBRA                             01/01/02
701648EC                       ACTIVE w/o Dental                 01/01/04
701648ED                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Louisiana
701648BH                       ACTIVE                            01/01/02
701648BI                       COBRA                             01/01/02
--------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------
UNET POLICY
  NUMBER                          MARKET                       EFFECTIVE DATE    TERMINATION DATE
--------------------------------------------------------------------------------------------------
<S>               <C>                                          <C>               <C>
701648DQ                       ACTIVE w/o Dental                 01/01/04
701648DR                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Colorado
701648AK                       ACTIVE                            01/01/02
701648AN                       COBRA                             01/01/02
701648CQ                       ACTIVE w/o Dental                 01/01/04
701648CR                       ACTIVE w/o Dental                 01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Alabama
701648CN                       ACTIVE                            01/01/02
701648CP                       COBRA                             01/01/02
701648EK                       ACTIVE w/o Dental                 01/01/04
701648EL                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Select EPO - Wisconsin
701648DI                       ACTIVE & COBRA                    01/01/02
701648DI                       ACTIVE & COBRA w/o Dental         01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Fairfax VA
701648CK                       ACTIVE                            01/01/02
701648CL                       COBRA                             01/01/02
701648EI                       ACTIVE w/o Dental                 01/01/04
701648EJ                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Select EPO - South Carolina
701648DH                       ACTIVE & COBRA                    01/01/02
701648DH                       ACTIVE & COBRA                    01/01/04
                               w/o Dental
--------------------------------------------------------------------------------------------------
                  Choice HMO - Iowa
701648AS                       ACTIVE                            02/01/03
701648AU                       COBRA                             02/01/03
701648EQ                       ACTIVE w/o Dental                 01/01/04
--------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
UNET POLICY
  NUMBER                      MARKET                           EFFECTIVE DATE    TERMINATION DATE
--------------------------------------------------------------------------------------------------
<S>               <C>                                          <C>               <C>
701648ER                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
                  Choice HMO - Rhode Island
701648AV                       ACTIVE                            05/01/03
701648AY                       COBRA                             05/01/03
701648ES                       ACTIVE w/o Dental                 01/01/04
701648ET                       COBRA w/o Dental                  01/01/04
--------------------------------------------------------------------------------------------------
701648AZ          Choice EPO - Indiana
                               ACTIVE & COBRA                    08/01/03
--------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
PRIME                            EFFECTIVE        TERMINATION
POLICY #        POLICYHOLDER       DATE              DATE
----------     --------------    -----------      -----------
<S>            <C>               <C>              <C>
247936              ***          1/1/2002
247974              ***          1/1/2002          5/28/2003
247977              ***          1/1/2002          3/1/2002
247989              ***          1/1/2002          5/27/2003
247996              ***          1/1/2002          9/1/2002
248003              ***          1/1/2002          3/1/2003
248006              ***          1/1/2002          1/22/2002
248026              ***          1/1/2002
248030              ***          1/1/2002
248035              ***          1/1/2002          1/1/2002
248041              ***          1/1/2002          2/1/2004
248056              ***          1/1/2002          1/11/2002
248063              ***          1/1/2002          1/1/2004
248110              ***          1/1/2002
248128              ***          1/1/2002
248131              ***          1/1/2002          10/1/2003
248133              ***          1/1/2002
248135              ***          1/1/2002          2/22/2002
248144              ***          1/1/2002          8/15/2003
248151              ***          1/1/2002          8/1/2002
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
PRIME                                     EFFECTIVE           TERMINATION
POLICY #         POLICYHOLDER               DATE                 DATE
--------         ------------             ---------           -----------
<S>              <C>                      <C>                 <C>
248163               ***                  1/1/2002             1/1/2002
248165               ***                  1/1/2002             7/1/2002
248180               ***                  1/1/2002             6/1/2002
248197               ***                  1/1/2002             11/1/2002
248208               ***                  1/1/2002             6/16/2002
248241               ***                  1/1/2002
248263               ***                  1/1/2002             11/22/2002
248271               ***                  1/1/2002
248291               ***                  1/1/2002             3/4/2003
248306               ***                  1/1/2002             5/1/2003
248314               ***                  1/1/2002             9/4/2002
248324               ***                  1/1/2002
248325               ***                  1/1/2002             5/31/2002
248339               ***                  1/1/2002             9/8/2003
248346               ***                  1/1/2002
248352               ***                  1/1/2002             3/30/2002
248370               ***                  1/1/2002             6/1/2002
248371               ***                  1/1/2002             4/28/2002
248372               ***                  1/1/2002
248373               ***                  1/1/2002             2/25/2002
248374               ***                  1/1/2002
248375               ***                  1/1/2002
248376               ***                  1/1/2002             11/1/2002
248379               ***                  1/1/2002             5/31/2002
248382               ***                  1/1/2002
248384               ***                  1/1/2002
248388               ***                  1/1/2002
248390               ***                  1/1/2002             6/26/2002
248396               ***                  1/1/2002             4/15/2003
248399               ***                  1/1/2002
248404               ***                  1/1/2002             7/1/2002
248405               ***                  1/1/2002
248407               ***                  1/1/2002             12/2/2002
248408               ***                  1/1/2002
248409               ***                  1/1/2002
248410               ***                  1/1/2002             7/1/2002
248411               ***                  1/1/2002
248412               ***                  1/1/2002             3/1/2002
248413               ***                  1/1/2002             6/1/2003
248414               ***                  1/1/2002
248415               ***                  1/1/2002
248416               ***                  1/1/2002
248417               ***                  1/1/2002             6/12/2003
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
PRIME                                     EFFECTIVE           TERMINATION
POLICY #         POLICYHOLDER               DATE                 DATE
--------         ------------             ---------           -----------
<S>              <C>                      <C>                 <C>
248418               ***                  1/1/2002
248421               ***                  1/1/2002             6/1/2002
248429               ***                  1/1/2002
248433               ***                  1/1/2002             1/1/2002
248442               ***                  1/1/2002
248457               ***                  1/1/2002             1/1/2003
248463               ***                  1/1/2002             10/26/2002
248466               ***                  1/1/2002
248473               ***                  1/1/2002
248474               ***                  1/1/2002             6/15/2002
248478               ***                  1/1/2002             8/8/2002
248480               ***                  1/1/2002
248486               ***                  1/1/2002
248494               ***                  1/1/2002             4/1/2003
248495               ***                  1/1/2002             7/1/2002
248497               ***                  1/1/2002
248501               ***                  1/1/2002
248516               ***                  1/1/2002             1/1/2003
248519               ***                  1/1/2002
248521               ***                  1/1/2002             1/1/2003
248524               ***                  1/1/2002             10/16/2002
248528               ***                  1/1/2002
248532               ***                  1/1/2002             2/1/2003
250136               ***                  1/1/2002             7/1/2002
250197               ***                  1/7/2002             7/1/2003
250201               ***                  1/1/2002
250656               ***                  1/1/2002             6/1/2003
250657               ***                  1/1/2002             1/1/2003
250658               ***                  2/1/2002
250659               ***                  2/1/2002             2/1/2004
250660               ***                  1/1/2002
250669               ***                  2/15/2002            12/9/2002
252657               ***                  3/1/2002
252926               ***                  3/1/2002             6/1/2002
253683               ***                  3/4/2002             3/18/2002
253774               ***                  3/1/2002             2/19/2003
253775               ***                  3/1/2002
253778               ***                  2/27/2002            8/28/2002
254553               ***                  4/1/2002             5/21/2002
254678               ***                  4/1/2002             5/31/2002
254741               ***                  4/1/2002
255675               ***                  4/1/2002             10/9/2002
255701               ***                  4/1/2002
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
PRIME                                     EFFECTIVE           TERMINATION
POLICY #         POLICYHOLDER               DATE                 DATE
--------         ------------             ---------           -----------
<S>              <C>                      <C>                 <C>
255709               ***                  4/1/2002             4/1/2002
256410               ***                  2/4/2002             2/4/2002
256498               ***                  2/4/2002             8/12/2002
256505               ***                  4/1/2002             1/2/2004
257668               ***                  4/15/2002            5/2/2003
261873               ***                  6/1/2002
262606               ***                  7/1/2002             1/1/2003
262614               ***                  6/1/2002
262616               ***                  6/1/2002
262666               ***                  6/1/2002             3/6/2003
263961               ***                  6/7/2002             8/1/2002
264562               ***                  7/1/2002
264565               ***                  7/1/2002
266459               ***                  7/28/2002            5/2/2004
266473               ***                  7/28/2002
267825               ***                  9/1/2002             3/3/2004
268747               ***                  9/1/2002             1/15/2004
271606               ***                  10/1/2002            1/1/2003
272924               ***                  11/1/2002            5/1/2003
273651               ***                  10/16/2002
274488               ***                  11/20/2002           1/1/2003
277124               ***                  1/1/2003
278257               ***                  12/1/2002
279171               ***                  1/1/2003             7/1/2003
279197               ***                  1/6/2003             2/12/2004
279225               ***                  12/15/2002           4/15/2003
281742               ***                  1/1/2003
282005               ***                  1/1/2003             12/1/2003
282007               ***                  1/1/2003
282062               ***                  1/6/2003             3/1/2004
286373               ***                  2/1/2003
288802               ***                  3/1/2003             3/2/2004
303058               ***                  7/1/2003
303075               ***                  5/1/2003
303083               ***                  5/1/2003
310924               ***                  5/22/2003
311776               ***                  8/11/2003
314764               ***                  7/1/2003
314770               ***                  7/1/2003
315038               ***                  7/1/2003             4/1/2004
326974               ***                  9/1/2003
334639               ***                  9/14/2003
338429               ***                  10/1/2003
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
PRIME                                     EFFECTIVE           TERMINATION
POLICY #         POLICYHOLDER               DATE                 DATE
--------         ------------             ---------           -----------
<S>              <C>                      <C>                 <C>
345349               ***                  9/1/2003
348740               ***                  10/1/2003            3/1/2004
348746               ***                  10/1/2003            3/1/2004
353316               ***                  11/1/2003
369064               ***                  1/1/2004
378384               ***                  1/1/2004             1/1/2004
391528               ***                  3/1/2004
395396               ***                  3/1/2004
399283               ***                  2/16/2004
400182               ***                  2/16/2004
420189               ***                  5/3/2004
421616               ***                  6/1/2004
250579               ***                  1/16/2002            5/1/2002
250671               ***                  1/22/2002            3/4/2002
251016               ***                  1/13/2002
256129               ***                  3/1/2002             7/1/2002
256904               ***                  1/1/2002             6/1/2002
256960               ***                  3/20/2002            6/1/2002
257422               ***                  3/26/2002            6/1/2002
257424               ***                  4/9/2002             4/9/2002
259230               ***                  4/2/2002             11/1/2002
259740               ***                  4/14/2002            7/9/2002
260298               ***                  4/2/2002             8/2/2002
260303               ***                  4/16/2002            7/16/2002
263976               ***                  4/3/2002             6/26/2002
265506               ***                  6/20/2002            3/24/2003
265510               ***                  6/1/2002             11/1/2002
265515               ***                  6/1/2002             9/21/2002
265560               ***                  6/1/2002             10/12/2002
268687               ***                  7/1/2002             7/1/2002
268689               ***                  8/8/2002             11/1/2002
268694               ***                  7/24/2002            11/24/2002
269888               ***                  8/1/2002             8/1/2002
269896               ***                  8/1/2002             8/1/2002
269898               ***                  8/1/2002             8/1/2002
269899               ***                  7/18/2002            11/17/2002
274864               ***                  10/15/2002           4/15/2003
274873               ***                  10/16/2002           1/13/2003
274875               ***                  10/16/2002           12/1/2002
274880               ***                  10/16/2002           11/16/2002
274914               ***                  10/16/2002           11/16/2002
275044               ***                  9/12/2002            11/30/2002
280221               ***                  12/1/2002            3/1/2003
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
PRIME                                     EFFECTIVE           TERMINATION
POLICY #         POLICYHOLDER               DATE                 DATE
--------         ------------             ---------           -----------
<S>              <C>                      <C>                 <C>
280224               ***                  11/1/2002            2/1/2003
280225               ***                  1/1/2003             7/1/2003
280327               ***                  12/4/2002            6/4/2004
281701               ***                  1/1/2003             10/3/2003
282549               ***                  12/10/2002           2/10/2004
283649               ***                  11/20/2002           2/20/2004
286556               ***                  12/27/2002           9/1/2003
288804               ***                  1/21/2003            6/4/2004
293814               ***                  2/1/2003             5/27/2003
293891               ***                  2/27/2003            12/1/2003
310933               ***                  5/1/2003             11/1/2003
315060               ***                  6/12/2003            7/1/2003
315099               ***                  6/12/2003            10/1/2003
315132               ***                  6/2/2003             10/1/2003
343286               ***                  8/21/2003            12/17/2003
355898               ***                  9/15/2003
360528               ***                  9/1/2003             2/1/2004
373490               ***                  11/11/2003
375159               ***                  12/3/2003
386745               ***                  2/1/2004
388711               ***                  11/26/2003           1/1/2004
390767               ***                  2/1/2004
390903               ***                  2/6/2004
390937               ***                  1/7/2004
397824               ***                  3/3/2004
397852               ***                  3/3/2004
397859               ***                  3/3/2004
397876               ***                  3/3/2004
397881               ***                  3/3/2004             5/4/2004
398067               ***                  3/3/2004
398089               ***                  3/15/2004
398122               ***                  3/3/2004
398159               ***                  3/3/2004
406144               ***                  2/19/2004
421429               ***                  4/16/2004
421796               ***                  5/6/2004
</TABLE>

<PAGE>

                     EXHIBIT D - POLICIES, RATES AND FACTORS

I.    The definition of "Policy" for purposes of section 1(s) shall be as
      follows:

      -     Effective January 1, 2002:

            (i)   Policy No. 701648 (Medical DA, DB, DC, DD, CX, DK)("Medical
                  Policy")

            (ii)  Policy No. 701648 (Dental DA)("Dental Policy")

      -     Effective April 1, 2002:

            (i)   Policy No. 701648 (Medical DA, DB, DC, DD, CX, DK)("Medical
                  Policy")

            (iii) Policy No. 701648 (Dental DA)("Dental Policy")

      -     Effective January 1, 2003:

            (i)   Policy No. 701648 (Medical DA, DC, DD, CX, DK, AQ,
                  AR)("Medical Policy")

            (ii)  Policy No. 701648 (Dental DA)("Dental Policy")

      -     Effective January 1, 2004:

            (i)   Policy No. 701648 (Medical DA, DC, DD, CX, DK, AQ,
                  AR)("Medical Policy")

II.   The "Maximum Monthly Employer Benefit Obligation" shall be the sum of the
      following:

      -     Effective January 1, 2003:

            -     *** of the Quoted Premium for each Medical Policy

            -     *** of the Quoted Premium for each Dental Policy

      -     Effective October 1, 2003:

            -     *** of the Quoted Premium for each Medical Policy

            -     *** of the Quoted Premium for each Dental Policy
<PAGE>

      -     Effective January 1, 2004:

            -     *** of the Quoted Premium for each Medical Policy

            -     Not applicable for any dental policy issued by the Company to
                  the Employer

III.  The "MP Premium" shall be the sum of the following:

      -     Effective January 1, 2003:

            -     *** of the Quoted Premium for each Medical Policy

            -     *** of the Quoted Premium for each Dental Policy

      -     Effective October 1, 2003:

            -     *** of the Quoted Premium for each Medical Policy

            -     *** of the Quoted Premium for each Dental Policy

      -     Effective January 1, 2004:

            -     *** of the Quoted Premium for each Medical Policy

            -     Not applicable for any dental policy issued by the Company to
                  the Employer

IV.   Effective October 1, 2003, the "Expense Percentage" shall be *** for the
      Dental Policies, the Medical Policies and the Non-MP Policies providing
      medical or dental benefits.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00078-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00078-of-00352.parquet"}]]