Document:

Exhibit
      10.21

    

    LIMITED
      LIABILITY COMPANY AGREEMENT OF 

     

    BENEFITS
      TECHNOLOGIES, LLC

    

    THIS
      LIMITED LIABILITY COMPANY AGREEMENT OF BENEFITS TECHNOLOGIES, LLC ("Agreement")
      is
      made as of January 31, 2008, by and among the initial Members listed in
Exhibit A
      to this
      Agreement, and pursuant to the Act and the Certificate of Formation, as either
      may be amended from time to time. In consideration of their mutual promises,
      the
      parties to this Agreement agree as follows:

     

    ARTICLE
      I

    Definitions

     

    As
      used
      herein, the following terms have the meanings respectively set forth after
      each
      one:

     

    1.1 "Act"
      shall
      mean the Delaware Limited Liability Company Act.

     

    1.2 "Affiliate"
      shall
      mean any individual, partnership, corporation, trust, or other entity or
      association, directly or indirectly, through one or more intermediaries,
      controlling, controlled by or under common control of a Member. The term
      "control," as used in the immediately preceding sentence, means, with respect
      to
      a corporation the right to exercise, directly or indirectly, more than fifty
      percent (50%) of the voting rights attributable to the controlled corporation,
      and, with respect to any individual, partnership, trust, other entity or
      association, the possession, directly or indirectly, of the power to direct
      or
      cause the direction of the management or policies of the controlled
      entity.

     

    1.3 "Agreement"
      means
      this Limited Liability Company Agreement as originally executed and as amended
      from time to time, as the context requires. Words such as "herein,"
      "hereinafter," "hereof," "hereto," "hereby" and "hereunder," when used with
      reference to this Agreement, refer to this Agreement as a whole unless the
      context otherwise requires.

     

    1.4 [Intentionally
      Omitted.]

     

    1.5 "Assumed
      ICI Liabilities"
      shall
      have the same meaning given such term in the Contribution
      Agreement.

     

    1.6 "ATPA"
      means
      Associated Third Party Administrators.

     

    1.7 "Biller"
      shall
      mean Bruce L. Biller.

     

    1.8 "Board"
      or
      "Board
      of Directors"
      shall
      mean the board of directors of the Company, as established pursuant to Article
      VI, below.

     

    1.9 "Capital
      Contribution"
      shall
      mean, with respect to any Member, the amount of money and the Adjusted Book
      Value of any property (other than money) contributed to the Company (net of
      liabilities secured by such contributed property that the Company is considered
      to assume or take subject to under Section 752 of the Code) with respect to
      the
      interest in the Company held by the Member.

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    1.10 "Capital
      Transaction"
      shall
      mean any transaction not in the ordinary course of business (other than a
      Capital Contribution from the Members) which results in the Company's receipt
      of
      cash or other consideration, including without limitation proceeds from a (a)
      sale of all or substantially all of the Company's Units, (b) sale of all or
      substantially all of the Company's assets, (c) merger, consolidation or
      reorganization in which the Company is not the surviving entity, (d) public
      offering, or (e) receipt of insurance or other proceeds derived from the
      involuntary conversion of Company property.

     

    1.11 "Cash
      Flow"
      means
      the sum of (a) all cash receipts from operations of the Company; plus (b) any
      other income or receipts of the Company; plus (c) distributions received by
      the
      Company from any entity in which the Company owns an interest; plus (d) any
      reserves previously set aside out of Cash Flow which were deemed available
      by
      the Board of Directors for distribution to the Members; less (e) cash funds
      used
      to pay current expenses (including fees payable to Members), fees and debt
      payments and to establish reasonable reserves for future expenses, fees and
      debt
      payments (including any payments or reserves required under the License
      Agreement); and less (f) amounts needed to repay any loans or assumed
      liabilities (including, without limitation, the Assumed ICI
      Liabilities).

     

    1.12 "Certificate
      of Formation"
      shall
      mean the certificate of formation referenced in Section 2.1 below.

     

    1.13 "Class
      A Member"
      or
      "Class
      A Members"
      means
      and refers to the Class A Member or Members designated as such in Exhibit A
      of this
      Agreement.

     

    1.14 "Class
      B Member"
      or
      "Class
      B Members"
      means
      and refers to the Class B Member or Members designated as such in Exhibit A
      of this
      Agreement.

     

    1.15 "Code"
      shall
      mean the Internal Revenue Code of 1986, as amended.

     

    1.16 "Company"
      shall
      mean the limited liability company formed in accordance with this
      Agreement.

     

    1.17 "Consent"
      shall
      mean the affirmative vote of the Class A Members holding in excess of fifty
      percent (50%) of the Units held by all Class A Members of the
      Company.

     

    1.18 "Contribution
      Agreement"
      shall
      mean that certain Asset Contribution and Combination Agreement dated as of
      the
      same date hereof by and among ICI, the ICI Stockholders, VanDeursen, ATPA,
      the
      Company and Trust Benefits Online, LLC.

     

    1.19 [Intentionally
      Omitted.]

     

    1.20 "Director"
      shall
      mean each individual designated as a Director pursuant to Article VI
      below.

     

    
      
         

      

      
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    1.21 "Economic
      Interest"
      shall
      mean the right to share in the net profits, net losses, deductions, tax credits
      or similar items and to receive Distributions from the Company, but does not
      include any voting or management rights or, unless otherwise provided in this
      Agreement, the right to receive information concerning the business and affairs
      of the Company.

     

    1.22 "Economic
      Interest Holder"
      shall
      mean the owner of an Economic Interest.

     

    1.23 "Full
      Satisfaction Date"
      shall
      mean the date on which all of the Priority Obligations have been satisfied
      in
      full, as more particularly defined in the License Agreement.

     

    1.24 "ICI"
      shall
      mean Information Concepts, Inc.

     

    1.25 "ICI
      Shareholders"
      shall
      mean Jensen and Biller.

     

    1.26 "Interest"
      shall
      mean a Person's share of the Profits and Losses of, and the right to receive
      distributions from, the Company.

     

    1.27 "Interest
      Holder"
      shall
      mean any Person who holds an Interest, whether as a Member or an Economic
      Interest Holder.

     

    1.28 "Jensen"
      shall
      mean Ronald D. Jensen.

     

    1.29 "License
      Agreement"
      shall
      mean the ICI “WebERF” Software License
      Agreement of even date between ATPA, ICI and the Company that is described
      in
      Section 4.4 of this Agreement.

     

    1.30 "Member"
      shall
      mean each Person signing this Agreement and any Person who subsequently is
      admitted as a member of the Company; and "Members"
      means
      the Members collectively.

     

    1.31 "Member
      Service Agreement"
      shall
      mean each member service agreement by and between the Company and each of
      Jensen, Biller, VanDeursen and any other Members that may enter into the same
      or
      similar agreement with the Company from time to time.

     

    1.32 "Percentage"
      or
      "Percentage
      Interest"
      means,
      as to a Member, the percentage determined by dividing the number of Units held
      by such member by the total number of Units held by all Members of the Company,
      and as to an Interest Holder who is not a Member, the Percentage of the Member
      whose interest has been acquired by such Interest Holder, to the extent the
      Interest Holder has succeeded to that Member's interest.

     

    1.33 "Person"
      shall
      mean and includes an individual, corporation, partnership, association, limited
      liability company, trust, estate or other entity.

     

    1.34 "Priority
      Obligations"
      shall
      mean the Assumed ICI Liabilities that are covered by the License
      Agreement.

     

    1.35 "Profit"
      and
      "Loss"
      shall
      mean for each taxable year of the Company or other period, an amount equal
      to
      the Company's taxable income or loss for the year or period, determined in
      accordance with Code Section 703(a), with the adjustments set forth in Section
      C.1.7 of Exhibit C
      to this
      Agreement.

     

    
      
         

      

      
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    1.36 "Property"
      means
      the tangible and intangible property contributed to or acquired by the
      Company.

     

    1.37 "Regulation(s)"
      shall
      mean the Treasury Regulations, including Temporary Regulations, from time to
      time adopted under the Code.

     

    1.38 "Supermajority
      Consent"
      shall
      mean, (a) as to the Members, the affirmative vote of the Class A Members holding
      in excess of seventy five percent (75%) of the Units held by all Class A Members
      of the Company, and (b) as to the Directors, the affirmative vote of seventy
      five percent (75%) of the Directors of the Company.

     

    1.39 "Unit"
      shall
      mean a Unit of ownership in the Company.

     

    1.40 "VanDeursen"
      shall
      mean Scott VanDeursen.

     

    Other
      terms are defined in the text of this Agreement; and, throughout this Agreement,
      those terms shall have the meanings respectively ascribed to them.

     

    ARTICLE
      II

    Organizational
      Matters

     

    2.1 Organization.
      The
      parties have organized the Company pursuant to the Act and the terms of this
      Agreement and, in furtherance of that purpose, have caused a Certificate of
      Formation to be prepared, executed and filed with the Secretary of State of
      the
      State of Delaware (the "Secretary
      of State"),
      a
      true and correct copy of which is attached as Exhibit D
      hereto.

     

    2.2 Name.
      The
      name of the Company shall be "Benefits
      Technologies, LLC"
      until
      changed by the Members.

     

    2.3 Purpose.
      The
      purpose of the Company shall be to engage in the business of providing
      administration and participant access licensed software products and/or hosted
      "Software as a Service" products to the employee benefits industry. The purpose
      of the Company shall not be a limitation of its powers and privileges, and
      the
      Company shall possess and may exercise all the powers and privileges granted
      by
      the Act or by any other law or by this Agreement, together with any powers
      incidental thereto. Subject to any limitations contained in the Certificate
      of
      Formation and this Agreement, the Company may carry on any lawful business,
      purpose or activity that has not been disapproved by the Board of Directors,
      subject to any restrictions in the Act.

     

    2.4 Term.
      The
      Company was organized on January 29, 2008, when the Certificate of Formation
      was
      filed with the Secretary of State. It shall continue until dissolved pursuant
      to
      the provisions of this Agreement.

     

    
      
         

      

      
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    2.5 Principal
      Place of Business.
      The
      principal place of business of the Company shall be 2200 East Route 66, Suite
      102, Glendora, California 91740.

     

    2.6 Registered
      Office and Registered Agent.

     

    (a) For
      purposes of Sections 18-104(a)(1) and 18-105 of the Act, the registered office
      of the Company is Parasec Incorporated, 15 East North Street, Dover, Delaware
      19901. The Board of Directors may change the registered office of the Company
      from time to time as permitted under the Act, provided that it shall give the
      Members written notice of such change.

     

    (b) For
      purposes of Section 18-104(a)(2) of the Act, the Company’s registered agent for
      service of process is Parasec Incorporated, whose address is 15 East North
      Street, in the City of Dover, County of Kent, State of Delaware 19901. The
      Board
      of Directors may change the Company’s registered agent from time to time as
      permitted under the Act, provided that it shall give the Members written notice
      of such change.

     

    ARTICLE
      III

    Capital
      Contributions

     

    3.1 Initial
      Capital Contributions.
      Each
      initial Member contributed to the Company the monies, properties and/or services
      specified in Exhibit A
      as that
      Member’s initial Capital Contribution.

     

    3.2 Additional
      Capital Contributions.
      Except
      as otherwise provided in this Agreement, no Member shall be required to make
      additional Capital Contributions. If approved by the Board, a Member may make
      additional Capital Contributions. In such event, all other Members shall have
      the opportunity, but not the obligation, to make additional Capital
      Contributions on a pro-rata basis in accordance with their respective Percentage
      Interests.

     

    3.3 Capital
      Accounts.
      The
      Company shall establish and maintain an individual Capital Account for each
      Member and Interest Holder consisting of that Member's initial Capital
      Contribution, (a) increased by that Member's additional Capital Contribution
      and
      share of profits, (b) decreased by that Member's share of losses and
      distributions, and (c) adjusted in accordance with the requirements of the
      Code,
      the Regulations thereunder, and Exhibit
      C.

     

    3.4 No
      Withdrawals of Capital.
      No
      Member or Economic Interest Holder shall have the right to withdraw, reduce
      or
      cause the redemption of his, her or its Capital Contributions or to demand
      and
      receive property of the Company or any Distribution in return for his, her
      or
      its Capital Contributions except as may be specifically provided in this
      Agreement or required by law. A Member or Economic Interest Holder, irrespective
      of the nature of his, her or its contribution, has only the right to demand
      and
      receive cash in return for his, her or its Capital Contribution. 

     

    3.5 No
      Interest.
      No
      Member or Economic Interest Holder shall be entitled to receive any interest
      on
      his, her or its Capital Contributions or Capital Account.

     

    
      
         

      

      
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    3.6 Priority.
      No
      Member shall have priority over any other Member with respect to the return
      of a
      Capital Contribution, or distributions or allocations of income, gain, losses,
      deductions, credits or items thereof, except as otherwise provided in this
      Agreement, including Section 4.4 below.

     

    3.7 Member
      Loans.
      Any
      Member, with the Consent of the Board of Directors, may lend money to the
      Company. If any Member makes any loan or loans to the Company, the amount of
      such loan shall not be treated as a contribution to the capital of the Company
      but shall be a debt due from the Company. Any Member’s loan to the Company shall
      have such terms and conditions as shall be agreed upon by the Board of Directors
      and the Member; provided, however, that if such terms are less favorable to
      the
      Company than the terms and conditions that could be obtained by the Company
      in
      an arm’s length transaction with a non-Member, such terms shall be approved by
      the Consent of the Members, excluding the Member making the Loan. Any Member’s
      loan to the Company shall be repaid from the excess cash of the Company as
      determined by the Board of Directors and as reflected in the Company's budget.
      None of the Members shall be obligated to loan money to the Company or to make
      additional Capital Contributions to the Company.

     

    ARTICLE
      IV

    Distribution
      and Allocation of Net Profits and Net Losses

     

    4.1 Distributions.
      The
      Company shall make Distributions of available Cash Flow to the Members and
      Interest Holders in proportion to their Percentage Interests (except where
      this
      Agreement requires that Distributions be made on another basis) at such times,
      in such amounts and in cash or in kind, as the Board determines; provided,
      however,
      that no
      Distribution of Cash Flow shall be made to the Members regardless of available
      Cash Flow until after the Full Satisfaction Date unless approved by the Board
      in
      accordance with Section 6.4.

     

    4.2 Allocation
      of Profit and Loss.
      The
      profits and losses and other similar items of the Company (including for income
      tax purposes all items of income, gain, loss, deduction, credit and preference)
      shall be allocated in the manner as set forth in the attached Exhibit C.
      

     

    4.3 Tax
      Distributions.
      Within
      90 days after the end of each fiscal year, the Company shall, to the extent
      there is Cash Flow available for distribution, distribute in cash to each Member
      an amount equal to the excess (if any) of (a) the product of (i) the Applicable
      Combined Tax Rate for the fiscal year to which such distribution relates and
      (ii) such Member's allocable share of the taxable income (if any) for the fiscal
      year to which such distribution relates; over (b) the sum of all distributions
      previously made under Section 4.2 to such Member with respect to such year.
      For
      purposes of this Agreement, the "Applicable
      Combined Tax Rate"
      means
      the highest marginal combined federal and state income tax rate applicable
      to
      individuals who are residents of California, provided, however, that the
      applicable state income tax rate shall be reduced to reflect the federal income
      tax deduction, if any, permitted for payment of state income taxes, as
      determined in good faith by the Board of Directors.

     

    4.4 License
      Agreement; Priority Obligations.
      The
      Company has entered into the License Agreement] of even date between ATPA,
      ICI
      and the Company, a copy of which is attached hereto as Exhibit B
      .
      Pursuant to the License Agreement, the Company has agreed to provide certain
      resources (including workforce) to ICI in the performance of the License
      Agreement, and in the event the Priority Obligations have not been satisfied
      by
      the two year anniversary of the License Agreement, the Company has agreed to
      satisfy the remaining balance of the Priority Obligations at that time. The
      Company shall take such steps as may be reasonably necessary or prudent to
      assure the performance of the Company's obligations under the License Agreement,
      including the establishment of reasonable reserves in the budget if deemed
      appropriate by the Board of Directors.

     

    
      
         

      

      
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    ARTICLE
      V

    Members

     

    5.1 Meetings
      of Members.
      Meetings of the Members shall be held at such times and places as the Board
      of
      Directors shall fix from time to time. In addition, unless otherwise prescribed
      by the Act, meetings of the Members may be called by Members holding more than
      ten percent (10%) of all Percentage Interests in the Company, or by any two
      (2)
      Directors, for the purpose of addressing matters on which Members may vote.
      No
      annual or regular meetings of Members shall be required.

     

    (a) Notice
      of Meetings.
      Notice
      of a Members’ meeting shall be given in writing and shall state the date, time,
      and place of the meeting and a description of the purposes for which the meeting
      is called, to each Member of record entitled to vote at the meeting. The written
      notice shall be sent or otherwise given not less than five (5), nor more than
      thirty (30), calendar days before the date of the meeting. No business, other
      than that set forth in the written notice, may be transacted at a meeting of
      the
      Members. A Member may waive notice of any meeting, before or after the date
      and
      time of the meeting as stated in the notice, by delivering a signed waiver
      to
      the Company for inclusion in the minutes. A Member's attendance at any meeting,
      in person (to include by officer or representative) or by proxy (a) waives
      objection to lack of notice or defective notice of the meeting, unless the
      Member at the beginning of the meeting objects to holding the meeting or
      transacting business at the meeting, and (b) waives objection to consideration
      of a particular matter at the meeting that is not within the purposes described
      in the meeting notice, unless the Member objects to considering the matter
      when
      it is presented.

     

    (b) Voting.
      Unless
      otherwise provided in the Act or this Agreement, the affirmative Consent of
      the
      Members on a matter brought before the Members shall constitute the act of
      the
      Members. Unless otherwise provided herein or under applicable law, each Member
      shall be entitled to cast one (1) vote for each Class A Membership Unit
      allocated to his/her/its Interest. With respect to meetings for the election
      of
      the Board of Directors, any Member shall be entitled to cumulate such Member’s
      votes for candidates and give one candidate a number of votes equal to the
      number of Directors to be elected multiplied by the number of votes to which
      such Member’s Units are entitled, or to distribute the Member’s votes on the
      same principle among any or all of the candidates, as the Member deems
      appropriate. The candidates receiving the highest number of votes up to the
      number of Directors to be elected shall be elected. 

     

    (c) Proxies.
      Proxies
      may be utilized as provided in the Delaware General Corporation
      Law.

     

    
      
         

      

      
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    (d) Conduct
      of Meetings.
      At any
      Members' meeting, the Chief Executive Officer shall preside at the meeting
      and
      shall appoint a person to act as secretary of the meeting. In the absence of
      the
      Chief Executive Officer, the President shall preside. The secretary of the
      meeting shall prepare minutes of the meeting which shall be placed in the minute
      books of the Company. Members may participate in any meeting through the use
      of
      conference telephones or similar communications equipment as long as all Members
      participating can communicate with one another. A Member so participating is
      deemed to be present in person at the meeting.

     

    (e) Quorum.
      The
      presence in person or by proxy of Members who have and hold more than fifty
      percent (50%) of the total issued voting Units shall constitute a quorum for
      any
      meeting of Members.

     

    (f) Written
      Consent.
      Any
      action that may be taken by the Members at a meeting may also be taken without
      a
      meeting if a consent in writing setting forth the action so taken is signed
      by
      Members having not less than the minimum votes that would be necessary to
      authorize that action at a meeting of the Members duly called and
      noticed.

     

    (g) Procedural
      Matters.
      Any
      procedural matters relating to meetings and actions of the Members not addressed
      by the foregoing provisions shall be governed by the provisions of the Delaware
      General Corporation Law dealing with meetings and actions of shareholders as
      if
      the Company were a Delaware corporation.

     

    5.2 Certificate
      of Interest.
      Each
      Membership Interest or Economic Interest may be represented by a certificate.
      However, nothing in this Agreement shall be deemed to require that a Membership
      Interest or Economic Interest be represented by a certificate. If a certificate
      is issued, it shall contain the following legend on its face:

     

    "THIS
      CERTIFICATE AND THE MEMBERSHIP INTEREST REPRESENTED HEREBY ARE SUBJECT TO AND
      SHALL BE TRANSFERRABLE ONLY IN ACCORDANCE WITH THE PROVISIONS OF THAT CERTAIN
      OPERATING AGREEMENT OF BENEFITS TECHNOLOGIES, LLC DATED AS OF JANUARY 31, 2008
      AMONG THE MEMBERS NAMED THEREIN, A COPY OF WHICH IS ON FILE AT THE OFFICE OF
      THE
      COMPANY.

    

    THE
      MEMBERSHIP INTEREST REPRESENTED BY THIS CERTIFICATE HAS NOT BEEN REGISTERED
      UNDER THE SECURITIES ACT OF 1933, AS AMENDED, AND THE RULES AND REGULATIONS
      THEREUNDER (THE “SECURITIES
      ACT”),
      OR
      UNDER THE SECURITIES OR INVESTOR PROTECTION LAWS OF ANY STATE, AND MAY NOT
      BE
      SOLD, TRANSFERRED, ASSIGNED, HYPOTHECATED OR OTHERWISE DISPOSED OF IN THE
      ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT FOR THE MEMBERSHIP INTEREST
      UNDER
      THE SECURITIES ACT AND APPLICABLE STATE LAWS OR AN EXEMPTION THEREFROM, OR
      AN
      OPINION OF COUNSEL THAT SUCH TRANSFER MAY BE LEGALLY EFFECTED WITHOUT SUCH
      REGISTRATION."

    

    5.3 Limitation
      on Liability of Members.
      No
      Member shall be liable under a judgment, decree or order of a court, or in
      any
      other manner, for a debt, obligation or liability of the Company whether that
      liability or obligation arises in contract, tort or otherwise by reason of
      being
      a Member. No Member shall be required to loan any funds to the
      Company.

     

    
      
         

      

      
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    5.4 Voting
      Rights of Members.
      Subject
      to the provisions of this Section 5.4, the following matters shall require
      the
      Consent of the Members: 

     

    (a) Amendment
      of the Certificate of Formation or this Agreement;

     

    (b) The
      merger of the Company into another entity, the merger of another entity into
      the
      Company or the consolidation of the Company with another entity;

     

    (c) The
      sale
      of substantially all of the assets of the Company;

     

    (d) Admission
      of a new Member;

     

    (e) The
      dissolution of the Company; 

     

    (f) Removal
      of a Director, with or without cause, and the filling of vacancies on the Board
      if there are no Directors in office, provided that, so long as no new Members
      are admitted in addition to the original members of the Company (ICI, ATPA
      and
      VanDeursen), and so long as the relative Membership Interests have not been
      adjusted between or among such original Members, vacancies in the Board of
      Directors shall be filled in accordance with Section 6.1(c); or

     

    (g) Sale
      of
      any debt or equity securities of the Company.

     

    The
      matters described in Section 5.4(a) and (d) above shall require the
      Supermajority Consent of the Members until the Priority Obligations are repaid
      in accordance with the terms of the Contribution Agreement. Thereafter, the
      matters described in Section 5.4(a) and (d) shall require the Consent of the
      Members. 

     

    5.5 Legal
      Representative or Successor of a Member.
      If a
      Member or Economic Interest Holder who is an individual dies or is adjudged
      to
      be incompetent to manage his or her person or property by a court of competent
      jurisdiction, such Member’s or Economic Interest Holder’s executor,
      administrator, trustee, guardian, conservator or other personal representative
      shall be entitled to such rights as are set forth in Article
      IX
      of this
      Agreement.

     

    5.6 Option
      Plan.
      The
      Company has issued initially only Class A Member Interests. It is agreed,
      however, that the Board of Directors may in the future establish an incentive
      plan (the "Option
      Plan")
      for
      the issuance of options (to purchase non-voting Class B Member Units) to
      Members, investors, employees and contractors, and any other permitted
      recipients under the Option Plan, which recipients, upon purchasing such Class
      B
      Member Units in accordance with the Option Plan, shall be admitted as Class
      B
      Members. The Company hereby authorizes one hundred thousand (100,000) non-voting
      Units to be reserved under the terms of the Option Plan for this purpose,
      subject to the determination of the terms and conditions of such Option Plan
      by
      the Board of Directors. 

     

    
      
         

      

      
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    6.1 Management
      by Board.

     

    (a) The
      business and affairs of the Company shall be managed under the direction of
      the
      Board, and the Board shall have all power and authority to manage and direct
      the
      business and affairs of the Company, subject to the provisions of Section 5.4
      and 6.1. The Board may delegate powers and authority to Board subcommittees
      and
      to Officers, subject to the provisions of this Agreement. Any power not
      delegated by the Board shall remain with the Board. Approval by or action taken
      by the Board in accordance with this Agreement shall constitute approval or
      action by the Company, subject to Sections 5.4 and 6.1.

     

    (b) The
      Board
      shall at all times consist of five (5) members (each, a "Director").
      Directors need not be Members. Each Director shall serve until his earlier
      resignation, removal, death, or inability to serve. Any Director may resign
      at
      any time upon written notice to the Company, and acceptance of the resignation
      is not necessary to make it effective. The
      initial Directors shall be Biller, Jensen, VanDeursen, Len Neuhaus, and Jim
      Vernor.

     

    (c) The
      initial Directors are appointed and agreed to in order to provide proportional
      representation of the initial members of the Company. Biller and Jensen are
      deemed to represent ICI (the “ICI Directors”), Len Neuhaus and Jim Vernor are
      deemed to represent ATPA (the “ATPA Directors”), and VanDeursen is deemed to
      represent himself. Until the admission of any Members in addition to the initial
      members or a change in the relative Membership Interests held by such initial
      members, ICI shall retain the right to appoint any new Director to replace
      an
      ICI Director who leaves the Board for any reason, ATPA shall retain the right
      to
      appoint any mew Director to replace an ATPA Director who leaves the Board for
      any reason, and the ICI Directors and the ATPA Directors shall together shall
      retain the right to appoint a new Director to replace VanDeursen if VanDeursen
      shall leave the Board for any reason. Thereafter, vacancies on the Board may
      be
      filled by the remaining Directors or, if no Directors are then serving, by
      Approval of the Members. 

     

    6.2 Notice
      of Board Meetings; Location; Waiver of Notice.
      Meetings of the Board are not required. However, regular meetings of the Board
      are intended to be held at least once each quarter at times and places fixed
      by
      the Board. Special meetings of the Board may be called by the Chief Executive
      Officer or by any two Directors upon forty-eight (48) hours prior notice, which
      notice shall identify the purpose of the special meeting or the business to
      be
      transacted; provided, however, that the failure to identify specifically an
      action to be taken or business to be transacted shall not invalidate any action
      taken or any business transacted at a special meeting. Meetings can be held
      in
      person, by telephone conference call or by other electronic means provided
      all
      participants can communicate with one another. Notice of a meeting may be waived
      before or after that meeting by a written waiver of notice signed by the
      Director entitled to notice. A Director’s attendance at a meeting shall
      constitute waiver of notice unless the Director states at the beginning of
      the
      meeting his or her objection to the transaction of business because the meeting
      was not lawfully called or convened.

     

    6.3 Quorum;
      Approvals; Proxies; Written Action.
      The
      presence of at least a majority of the Directors then in office shall constitute
      a quorum for the transaction of business at a Board meeting. The vote of a
      majority of those Directors constituting a quorum shall govern all of the
      Board’s actions and constitute approval by the Board. The Board may act without
      a meeting if the action taken is approved in advance or ratified in writing
      by
      the unanimous written consent of the Directors. The Board shall cause written
      minutes to be prepared of all actions taken by the Board and shall cause a
      copy
      thereof to be delivered to each Director within thirty (30) days thereafter.
      All
      procedural matters relating to meetings and actions of the Board not provided
      for in this Article VI shall be governed by the provisions of Delaware General
      Corporation Law relating to meetings and actions of the directors of a
      corporation as if the Company were a Delaware corporation .

     

    
      
         

      

      
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    6.4 Authority
      of the Board.
      The
      Board shall have, in addition to any other power granted to it in this
      Agreement, the right, power and authority to take the following
      actions:

     

    (a) Make
      overall policy decisions with respect to the business and affairs of the
      Company;

     

    (b) Approve
      the annual budget and strategic plan each Fiscal Year;

     

    (c) Approve
      any material amendments and supplements to a previously approved annual budget
      and strategic plan;

     

    (d) Approve
      all contracts that are proposed to be entered into between the Company and
      any
      Member or Affiliate of a Member;

     

    (e) Approve
      all Distributions to the Members, subject to the requirements of Section 4.1
      above;

     

    (f) Approve
      the conveyance, sale, transfer, assignment, pledge, encumbrances, or disposal
      of, or the granting of a security interest in, any assets of the Company, other
      than in the ordinary course of business or, if within the ordinary course of
      business, the amount involved exceeds $15,000 but is outside of the
      budget;

     

    (g) Approve
      the entry of the Company into any partnership, joint venture or other joint
      enterprise, other than in the ordinary course of business;

     

    (h) Approve
      the incurring of indebtedness by the Company other than in the ordinary course
      of business or in an amount in excess of $15,000 if in the normal course of
      business but outside of the budget;

     

    (i) Approve
      the making of any loan or guaranty by the Company other than in the normal
      course of business or, in an amount in excess of $15,000 if in the normal course
      of business but outside of the budget;

     

    (j) Approve
      the employment, appointment or removal of any Officer of the
      Company;

     

    (k) Approve
      any change in accounting principles used by the Company, except to the extent
      required by generally accepted accounting principles;

     

    
      
         

      

      
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    (l) Approve
      any tax accounting principles;

     

    (m) Approve
      the conduct of litigation to which the Company is a party; and

     

    (n) Approve
      the Option Plan, including the terms and conditions thereof.

     

    The
      matters described in Sections 6.4 (b)-(j) above shall require the Supermajority
      Consent of the Board until the repayment in full of the Priority Obligations.
      Thereafter, all matters described in Section 6.4 shall require the affirmative
      vote of a majority of the Directors. 

     

    6.5 Subcommittees.
      The
      Board may designate one or more subcommittees. Each subcommittee shall be
      comprised of the number of Directors the Board determines, but not fewer than
      two. Any subcommittee, to the extent approved by the Board, shall have and
      may
      exercise all the power and authority of the Board.

     

    6.6 No
      Individual Authority.
      Except
      as otherwise provided in this Agreement, no Director acting alone shall have
      any
      authority to act for, or undertake or assume any obligation or responsibility
      on
      behalf of, the Company.

     

    6.7 Liability
      for Certain Acts.
      The
      Officers and Directors do not, in any way, guarantee the return of the Members’
or Interest Holder’s Capital Contributions or a profit for the Members or
      Interest Holders from the operations of the Company. No Officer or Director
      shall be liable to the Company or to any Member or Interest Holder for any
      loss
      or damage sustained by the Company or any Member or Economic Interest Holder,
      unless the loss or damage shall have been the result of fraud, gross negligence,
      willful misconduct, material breach of this Agreement or a wrongful taking
      by
      such Officer or Director.

     

    6.8 Other
      Activities.
      No
      Director shall be required to manage the Company as the Director’s sole and
      exclusive function, and any Director or Officer may have other business
      interests and may engage in other activities in addition to those relating
      to
      the Company, provided, however, that any Officer who is a full-time employee
      of
      the Company shall devote substantially all of his or her working time to the
      business of the Company. Neither the Company nor any Member shall have any
      right, by virtue of this Agreement, to share or participate in such other
      investments or activities of a Director or Officer or to the income or proceeds
      derived therefrom. Members who are Directors or Officers agree, however, to
      avoid any business or venture which conflicts materially with, directly competes
      with, or indirectly competes to a material degree with the Company’s
      business.

     

    6.9 Compensation
      and Reimbursement.

     

    (a) No
      Director shall be entitled to compensation from the Company for services
      rendered to the Company as a Director except as shall be fixed from time to
      time
      by the Board, and no Director shall be prevented from receiving such
      compensation by reason of the fact that such person is also a Member. Upon
      the
      submission of appropriate documentation, each Director shall be reimbursed
      by
      the Company for reasonable out-of-pocket expenses incurred by such Director
      at
      the Company’s request.

     

    
      
         

      

      
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    (b) The
      Directors shall cause the Company to make an appropriate election to treat
      the
      expenses incurred by the Company in connection with the formation and
      organization of the Company to be amortized to the extent that such expenses
      constitute “organizational expenses” of the Company within the meaning of Code
      Section 709(b)(2).

     

    6.10 Budget.

     

    (a) Initial
      Budgets.
      The
      initial Budget for the Company attached hereto as Exhibit E
      has been
      approved by the Members (the "Approved
      Initial Budget").
      

     

    (b) Annual
      Approved Budget.
      Not
      less than one hundred twenty (120) days prior to the end of the Company's fiscal
      year, the Chief Executive Officer shall present to the Board of Directors a
      proposal for the Company’s annual budget for the following year. As soon as
      reasonably practicable thereafter, the Directors shall review such proposal
      and
      shall adopt a budget for the next calendar year no later than thirty (30) days
      prior to the end of the Company's fiscal year. Appropriate reserves for the
      satisfaction of the Company's obligations under the License Agreement, if deemed
      appropriate by the Board, shall be included in the budget until the Priority
      Obligations have been paid in full.

     

    ARTICLE
      VI

    Officers

     

    7.1 Appointment
      of Officers.
      The
      Board may appoint Officers of the Company who need not be Members. The Officers
      of the Company, if deemed necessary by the Board, may include a Chairman, Chief
      Executive Officer, President, Chief Technology Officer, one or more
      Vice-Presidents, Secretary, Assistant Secretary, and Chief Financial Officer.
      Any individual may hold any number of offices, and a Member or Director may
      serve as an Officer. The Officers shall exercise such powers and perform such
      duties as shall be determined from time to time by the Board. Each Officer
      of
      the Company shall serve at the pleasure of the Board and may be removed at
      any
      time by the Board with or without cause. Any Officer may resign at any time
      by
      giving written notice to the Board. Any resignation shall take effect at the
      date of the receipt of that notice or at any later time specified in that
      notice; and, unless otherwise specified in that notice, the acceptance of the
      resignation shall not be necessary to make it effective. Any resignation is
      without prejudice to the rights, if any, of the Company under any contract
      to
      which the Officer is a party. 

     

    (c) 7.2 Chairman
      of the Board.
      The
      Chairman of the Board, if such an officer be elected, shall, if present, preside
      at meetings of the Board of Directors and exercise and perform such other powers
      and duties as may from time to time may be assigned to him or her by the Board
      of Directors or as may be prescribed by this Agreement. The initial Chairman
      of
      the Board shall be Len Neuhaus.

     

    7.3 Chief
      Executive Officer; President.
      Subject
      to such supervisory powers, if any, as may be given by the Board of Directors
      to
      the Chairman of the Board, if there be such an officer, the President shall
      be
      the Chief Executive Officer of the Company and shall, subject to the control
      of
      the Board of Directors, have general supervision, direction, and control of
      the
      business of the Company. He or she shall preside at all meetings of the
      shareholders and, in the absence or nonexistence of a Chairman of the Board,
      at
      all meetings of the Board of Directors. He or she shall have the general powers
      and duties of management usually vested in the office of President of a Company,
      and shall have such other powers and duties as may be prescribed by the Board
      of
      Directors or this Agreement. He or she shall oversee the day-to-day affairs
      of
      the Company in accordance with the approved annual budget and strategic plan.
      The position described above, and the duties proscribed to such position, may
      be
      allocated between two individuals, with one serving as the Chief Executive
      Officer and the other as the President.

     

    
      
         

      

      
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    7.4 Chief
      Technology Officer.
      The
      Chief Technology Officer is responsible for the overall direction of all
      technology functions associated with the business of the Company. This includes
      information technology applications, product design, product research and
      development, database administration, and such other matters relating to the
      development of the Company's technology as may be directed by the Board.

    

    7.5 Vice
      President.
      The
      vice president shall oversee day-to-day operations of the Company not undertaken
      by the Chief Executive Officer, and perform those other duties as assigned
      by
      the Board or the Chief Executive Officer. In the absence of the Chief Executive
      Officer, a Vice President designated by the Board, if any, shall perform the
      duties of the Chief Executive Officer and when so performing shall have all
      the
      powers of and be subject to all the restrictions upon the Chief Executive
      Officer as may be established by the Board.

     

    7.6 Secretary.
      The
      Secretary shall perform such duties and shall have such powers as may from
      time
      to time be assigned by the Board or the Chief Executive Officer. In addition,
      the Secretary shall perform such duties and have such powers as are incident
      to
      the office of Secretary including, without limitation, the duty and power to
      give notice of all meetings of Members and the Board, the preparation and
      maintenance of minutes of the Board and Members’ meetings and other records and
      information required to be kept by the Company and for authenticating records
      of
      the Company, and to be custodian of the Company records. An Assistant Secretary
      shall, in the absence or disability of the Secretary, have all of the powers
      and
      duties of the Secretary.

     

    7.7 Chief
      Financial Officer.
      The
      Chief Financial Officer of the Company shall have such powers as may from time
      to time be assigned by the Board or the Chief Executive Officer. In addition,
      he
      or she shall perform such duties and have such powers as are incident to the
      position of Chief Financial Officer, including, without limitation, the duty
      and
      power to keep and be responsible for all funds and securities of the Company,
      to
      deposit funds of the Company depositories selected in accordance with this
      Agreement, to disburse such funds as ordered by the Board, making proper account
      thereof, and to render as required by the Board statements of all these
      transaction taken as Chief Financial Officer and of the financial condition
      of
      the Company. 

     

    7.8 Compensation.
      The
      compensation of the Officers shall be as determined by the Board, or in the
      case
      of individuals with whom the Company may enter into Member Services Agreements,
      the terms of such Member Services Agreements.

     

    7.9 General
      Principles Regarding Management.
      Notwithstanding the allocation of officiary positions, as outlined above, it
      is
      contemplated that the overall oversight and day-to-day management of the Company
      shall be accomplished cooperatively by and among Biller, Jensen and VanDeursen.
      In particular, and subject to the matter requiring the prior approval of the
      Members pursuant to Section
      5.4
      above,
      or the Board of Directors pursuant to Section
      6.4
      above,
      Biller, Jensen and VanDeursen shall comprise a Management Committee (the
      "Management
      Committee").
      The
      Management Committee shall work cooperatively with respect to the hiring and
      retention of employees, execution of contracts that bind the Company,
      expenditures in excess of $5,000 (and less than those required for approval
      by
      the Board), the procurement of insurance coverages, the coordinating of
      professional services, the execution of marketing strategies and general
      management oversight on issues that are not specifically delegated by the Board
      or the Management Committee to a particular officer or employee. In the event
      that there is not consensus on an issue under the Management Committee's
      oversight, the parties shall seek in good faith to obtain consensus. In the
      event a consensus cannot be obtained, then the decision shall be made by the
      Board of Directors.

     

    
      
         

      

      
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    ARTICLE
      VII

    Books,
      Records, Accounting, and Tax Elections

     

    8.1 Books
      and Records.
      The
      books and records shall be maintained in accordance with sound accounting
      practices. All books and records, except to the extent that the Board of
      Directors, in its sole and absolute discretion, believes it to be in the
      Company's best interest to keep those records confidential, shall be available
      at the Company's principal office for examination by any Class A Member or
      the
      Class A Member's duly authorized representative at any and all reasonable times
      during normal business hours. Except as expressly provided herein, each Member
      and each Director shall keep all confidential and proprietary information
      concerning the Company confidential and shall not use it for the Member's or
      Director’s own purposes or disclose it to any other Person. Each Member shall
      reimburse the Company for all costs and expenses incurred by the Company in
      connection with the Member's inspection of the Company's books and
      records.

     

    8.2 Annual
      Accounting Period.
      The
      Company will use the calendar year as its fiscal and taxable year, unless and
      until determined otherwise by the Board of Directors and approved by Consent
      of
      the Members. 

     

    8.3 Tax
      Matters Member.
      The
      Board of Directors shall designate the initial tax matters member of the Company
      (the "Tax
      Matters Member").
      The
      Tax Matters Member shall have all powers and responsibilities provided in Code
      Section 6221, et seq. and any other foreign tax laws, as applicable. The Tax
      Matters Member may be replaced at any time, and from time to time, by the vote
      of the Board of Directors, provided, however, that the designation of a new
      Tax
      Matters Member complies with Code Section 6221, et seq. The Tax Matters Member
      shall keep all Interest Holders informed of all notices from government taxing
      authorities that may come to the attention of the Tax Matters Member. The
      Company shall pay and be responsible for all reasonable third party costs and
      expenses incurred by the Tax Matters Member in performing its duties. An
      Interest Holder shall be responsible for any costs incurred by the Interest
      Holder with respect to any tax audit or tax related administrative or judicial
      proceeding against any Interest Holder, even though it relates to the Company;
      provided that the Tax Matters Member and the Company shall provide such
      assistance and information to the Interest Holder as may be reasonably requested
      by such Interest Holder, at the expense of the Interest Holder.

     

    
      
         

      

      
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    8.4 Annual
      Tax Information.
      Within
      ninety (90) days after the end of each taxable year of the Company, the
      Directors shall cause to be sent to each Person who was an Interest Holder
      at
      any time during the taxable year then ended, that tax information concerning
      the
      Company which is necessary for preparing the Interest Holder's income tax
      returns for that year. 

     

    8.5 Other
      Endeavors.
      Each
      Member acknowledges that the other Members are engaged in other business
      activities and ventures, and, except as hereinafter provided and as otherwise
      set forth in the Member Service Agreement, each acknowledges that nothing in
      this Agreement shall be deemed to give the other any interest in or right to
      participate in the other business activities of that Member, whether now
      conducted or hereafter undertaken.

     

    ARTICLE
      VIII

    Withdrawal,
      Assignments of Interests

     

    9.1 No
      Transfer.
      Except
      as provided in Section
      9.2
      below,
      no Member shall be entitled to Transfer all or any part of his or her Membership
      Interest in the Company except with the prior approval of a Majority of Members.
      Transfers in violation of this Section 9.1 shall be void.

     

    9.2 Permitted
      Transfers:

     

    (a) Subject
      to the provisions of Section
      9.3
      below,
      and the requirement that the transferee execute and deliver to the Company
      a
      written agreement in form satisfactory to the Company agreeing to be bound
      by
      the terms of this Agreement, the following transfers may be made without
      approval of the Members:

     

    (i) A
      Transfer during the lifetime of all or any fractional portion of an Economic
      Interest to a revocable trust created for the benefit of a Member or for the
      benefit of a Member and any combination of spouse and/or descendants (other
      gratuitous lifetime transfers require approval of a Majority of
      Members);

     

    (ii) A
      Transfer upon death under a will or trust or by intestacy of all or any portion
      of an Economic Interest to the spouse and/or lineal descendants of a Member
      or
      to trusts for their benefit;

     

    (iii) A
      Transfer of a Membership Interest or Economic Interest to another Member;

     

    (iv) A
      Transfer by ICI to one or both ICI Stockholders; or 

     

    (v) A
      Transfer of an Economic Interest to a transferee in accordance with the
      requirements of subsection (b) below.

     

    
      
         

      

      
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    (b) Before
      making any Transfer under subsection (a)(v) above, the transferor shall comply
      with the following requirements. The transferor shall give written Notice to
      the
      Company of the proposed Transfer stating the name, address and phone number
      of
      the proposed transferee, the price, if any, and all of the other terms and
      conditions of the proposed Transfer (the “Notice
      of Proposed Transfer”),
      and a
      copy of a written offer from the proposed transferee to purchase the Economic
      Interest. The Company shall have the first right to purchase the Economic
      Interest proposed to be transferred at the price and on the other terms and
      conditions stated in the Notice of Proposed Transfer. If the Members do not
      unanimously elect to cause the Company to purchase the entire Economic Interest
      proposed to be transferred, the Members (other than the transferor) shall have
      the right to purchase such part of the Economic Interest as the Company has
      elected not to purchase at the price and on the other terms and conditions
      stated in the Notice of Proposed Transfer in proportion to the respective
      Percentage Interests of those Members who wish to participate in the purchase.
      The rights of the Company and/or the other Members to purchase the Economic
      Interest proposed to be transferred must be exercised by giving written Notice
      to the transferor of the election to purchase not less than the entire Economic
      Interest within thirty (30) days after the Company’s receipt of the Notice of
      Proposed Transfer, failing which the transferor shall have the right to transfer
      the Economic Interest to the proposed transferee for the price and on the other
      terms and conditions stated in the Notice of Proposed Transfer during the
      ensuing sixty (60) days. The Company may require reasonable evidence that the
      Transfer of the proposed transferee was in compliance with the preceding
      sentence. If the Transfer is not completed within said sixty (60) day period,
      the procedures of this subsection (b) must be repeated. A purchase by the
      Company or other Members shall be closed at the Company’s principal office at
      10:00 a.m. on the sixtieth (60th)
      day
      after the Company’s receipt of the Notice of Proposed Transfer unless otherwise
      mutually agreed.

     

    9.3 Further
      Restrictions on Transfers of Economic Interests.
      In
      addition to other restrictions found in the Agreement, no Member shall Transfer
      all or any part of his or her Economic Interest in the Company: (a) without
      registration under applicable federal and state securities laws, or unless
      such
      Member delivers an opinion of counsel satisfactory to the Company that
      registration under such laws in not required; (b) if the Economic Interest
      is to
      be sold or exchanged, when added to the total of all other Economic Interests
      sold or exchanged in the preceding twelve (12) consecutive months prior thereto,
      would result in the termination of the Company under Code Section 708 or
      jeopardize the Company's election to be taxed as a partnership for federal
      income tax purposes or cause any assets of the Company to be deemed "plan
      assets" under ERISA.

     

    9.4 Substitution
      of Members after Transfer of Interest.
      A
      transferee of an Interest shall have the right to become a substitute Member
      only if: (a) the requirements of Section
      5.4(d)
      relating
      to the consent of the Members and Section
      9.3
      relating
      to securities and tax requirements have been met; (b) such Person executes
      an
      instrument satisfactory to the approving Members agreeing to be bound by the
      terms and provisions of this Agreement, and (c) such Person pays any reasonable
      expenses in connection with his, her or its admission as a new Member. An
      assignee who becomes a substituted Member has, to the extent assigned, the
      rights and powers of a Member. Until the assignee of an Interest in the Company
      becomes a substituted Member, the assignor continues to be a Member and to
      have
      the power to exercise the voting rights in connection with the subject
      Interest.

     

    
      
         

      

      
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    9.5 Effective
      Date of Permitted Transfer of an Interest.
      Any
      permitted Transfer of all or any portion of an Interest in the Company shall
      take effect on the first day of the month following (a) receipt by the Company
      from the transferee of written acceptance and adoption of the terms and
      provisions of this Agreement and (b) payment by the transferee of the reasonable
      expenses in connection with the Transfer. Profits, gains, losses, deductions
      and
      credits shall be allocated between transferor and transferee according to the
      relative number of days before and after such effective date unless otherwise
      required by the Code.

     

    9.6 Binding
      Effect.
      The
      provisions of this Agreement, including without limitation the transfer
      restrictions of this Article IX, shall be binding on all Interests and all
      transferees of Interests whether or not such transferees agree to be bound
      thereby.

     

    ARTICLE
      IX

    Dissolution
      and Winding Up

     

    10.1 Events
      of Dissolution.
      The
      Company shall be dissolved upon the occurrence of any of the following
      events:

     

    (a) by
      the
      Consent of the Members;

     

    (b) the
      sale
      of all or substantially all of the Company's assets; or

     

    (c) upon
      the
      entry of a decree of judicial dissolution with respect to the
      Company.

     

    10.2 No
      Further Business.
      On
      the
      dissolution of the Company, the Company shall engage in no further business
      other
      than that necessary to wind up the business and affairs of the Company in an
      orderly manner, liquidating its assets, disposing of and conveying its property,
      collecting and dividing its assets, satisfying the claims of its creditors
      and
      prescribing and defending actions by or against the Company in order to collect
      and discharge obligations. No Member shall take any action that is inconsistent
      with, or not necessary to or appropriate for, winding up the business and
      affairs of the Company. To the extent not inconsistent with the foregoing,
      all
      covenants and obligations in the Agreement shall continue in full force and
      effect until such time as the assets have been distributed and the Company
      has
      terminated.

     

    10.3 Responsibilities
      for Winding Up.
      The
      Board shall be responsible for overseeing the winding up and liquidation of
      the
      Company, shall take full account of the liabilities of the Company and assets,
      shall cause its assets to be liquidated as promptly as is consistent with
      obtaining the fair market value thereof, and shall cause the proceeds therefrom,
      to the extent sufficient therefore, to be applied and distributed as provided
      in
      Section 10.4. Alternatively, the Board may appoint one or more of the Members
      or
      Officers to wind up and liquidate the Company. The persons responsible for
      winding up the affairs of the Company shall give written notice of the
      commencement of winding up by mail for all known creditors and claimants whose
      addresses appear on the records of the Company. The persons winding up the
      affairs of the Company shall be entitled to reasonable compensation. The Company
      shall file a certificate of cancellation with the Delaware Secretary of State
      upon completion of the winding up process.

     

    
      
         

      

      
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    10.4 Order
      of Payment of Liabilities upon Dissolution.
      When
      settling accounts of the Company after dissolution, the Members shall settle
      the
      liabilities of the Company by making payments in the order required by the
      Act,
      the distributions required by Section 18-804 of the Act to be made first to
      Members in accordance with their then positive balance in their Capital Account
      balances after taking into account income and loss allocation for the Company's
      taxable year in which the Company is liquidated. 

     

    10.5 No
      Liability for Return of Contribution.
      No
      Member shall be personally liable for the return or repayment of all or any
      portion of the contributions of any other Member; any return or repayment shall
      be made solely from assets of the Company.

     

    ARTICLE
      X

    Notices

     

    11.1 Any
      notice, demand, consent, election, offer, approval, request or other
      communication ("notice") required or permitted under this Agreement must be
      in
      writing and either delivered personally, sent by certified or registered mail,
      postage prepaid, return receipt requested, or by facsimile. Any notice to be
      given hereunder by the Company shall be given by the Secretary.

     

    ARTICLE
      XI

    Injunctive
      Relief

     

    12.1 Irreparable
      injury will result from a breach of any provision of this Agreement, and money
      damages will be inadequate to fully remedy the injury. Accordingly, in the
      event
      of a breach or threatened breach of one or more of the provisions of this
      Agreement, any party who may be injured (in addition to any other remedies
      which
      may be available to that party) shall be entitled to one or more preliminary
      or
      permanent injunctions (i) restraining any act which would constitute a breach
      or
      (ii) compelling the performance of any obligation which, if not performed,
      would
      constitute a breach.

     

    ARTICLE
      XII

    Amendment

     

    13.1 Amendments
      to this Agreement may be adopted at any time by the Board of Directors with
      the
      Supermajority Consent of the Class A Members. The President shall execute,
      acknowledge, swear to and properly file any such amendment as attorney in fact
      on behalf of each Member.

     

    ARTICLE
      XIII

    Dispute
      Resolution

     

    14.1 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. 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

        
          

        

      

      
         

      

    

     

    ARTICLE
      XIV

    Miscellaneous

     

    15.1 This
      Agreement may be executed in counterparts and as so executed shall constitute
      one agreement binding on all parties, notwithstanding the fact that all parties
      have not signed the original or the same counterpart. This Agreement contains
      the entire understanding of the parties. It may not be changed orally, but
      only
      by a writing signed by all of the parties. The waiver of any breach of any
      term
      hereof shall not be construed as a waiver of any subsequent breach of that
      term,
      but the same shall continue in full force and effect. The terms and provisions
      hereof shall be binding upon and shall inure to the benefit of the parties,
      and
      their respective heirs, personal representatives, successors, and assigns.
      The
      parties shall execute any further instruments and shall perform any acts which
      are, or may become, necessary to effectuate and carry on the Company in
      accordance with this Agreement. The captions used herein are for convenience
      of
      reference only, and shall not be deemed to modify or construe any of the terms
      or provisions hereof. This Agreement shall be governed and construed in
      accordance with the laws of the State of Delaware. In this Agreement, the
      singular shall include the plural and the masculine gender shall include the
      feminine and neuter and vice versa, unless the context otherwise requires.
      

     

    
      
         

      

      
        20

        
          

        

      

      
         

      

    

    IN
      WITNESS WHEREOF, the initial Members have executed this Agreement as of the
      date
      first written above.

     

    
      	ASSOCIATED
              THIRD PARTY ADMINISTRATORS	 	 	 
	 	 	 	 
	By: 
/s/
              Richard Stierwalt	 	 	 
	
              
                

              

              Name:
                Richard Stierwalt

            	 	 	
            
	
              Title:
                President/CEO

            	 	 	 

    

     

    
      	
              INFORMATION
                CONCEPTS, INC.

            	 	 	 
	 	 	 	 
	By: 
/s/
              Bruce L. Biller	 	 	 
	
              
                

              

              Name:
                Bruce L. Biller

            	 	 	
            
	
              Title:
                President

            	 	 

    

     

     

    /s/
      Scott
      VanDeursen

    
      

    

    Scott
      VanDeursen

    

    
      
         

      

      
        21

        
          

        

      

      
         

      

    

    EXHIBIT
      A

     

    
      	
              Member's
                Name & Address

            	 	
              Capital
                Contribution1 

            	
               

            	
              Units

            	 
	 	 	 	 	 	 
	
              Class
                A Members

            	 	 	 	 	 
	 	 	 	 	 	 
	
              Associated
                Third Party Administrators

              1640
                South Loop Road

              Alameda,
                California 94502

            	 	
              $

            	
              1,000,000

            	 	 	
              400,000

            	 
	 	 	 	 	 	 	 	 
	
              Information
                Concepts, Inc.

              2200
                E. Route 66

              Suite
                102

              Glendora,
                California 91740

            	 	
              $

            	
              1,000,000

            	 	 	
              400,000

            	 
	 	 	 	 	 	 	 	 
	
              Scott
                VanDeursen

              5980
                Horton Street Suite 345

              Emeryville,
                CA 94608

            	 	
              $

            	
              1.00

            	 	 	
              200,000

            	 
	 	 	 	 	 	 	 	 
	
              Class
                B Members

            	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	
              None

            	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 
	
              Reserved
                Incentive Non-Voting Units

            	 	 	 	 	 	
              100,000

            	 

    

    

    
      
        

      

    

    
      
        1
          Pursuant
          to an Asset Contribution and Combination Agreement dated as of the date
          hereof
          (the "Contribution Agreement"), certain assets were contributed to the
          Company
          in exchange for Units issued to each of the Class A Members hereof. Each
          of the
          capital contribution amounts set forth above is the agreed upon fair market
          value of the assets, after offsetting any assumed liabilities, contributed
          to
          the Company under the Contribution Agreement.

         

        
          
             

          

          
            EXHIBIT
              A

            
              

            

          

          
             

          

        

      

    

    EXHIBIT
      B

     

    License
      Agreement

    

    (Attached)

    

    
      
         

      

      
        
          EXHIBIT
            B

        

        
          

        

      

      
         

      

    

    EXHIBIT
      C

     

    Special
      Tax Allocations

    

    C.1. Definitions

    

    C.1.1
      "Adjusted
      Book Value"
      shall
      mean, with respect to any asset, such asset's adjusted basis for federal income
      tax purposes, with the following exceptions and adjustments:

     

    (a) The
      initial Adjusted Book Value of any asset contributed to the Company by a Member
      shall be the fair market value of such asset (without reduction for liabilities
      secured by such asset) as determined by the contributing Member and the
      Company;

     

    (b) The
      Adjusted Book Values of all Company assets may be adjusted to equal their
      respective fair market values (without reduction for liabilities secured by
      such
      assets) as of the following times: (a) the acquisition of an additional interest
      in the Company by any new or existing Member in exchange for more than a de
      minimis Capital Contribution; (b) the distribution by the Company to an Interest
      Holder of more than a de minimis amount of Company property as consideration
      for
      an interest in the Company if it is reasonably determined that such adjustment
      is necessary or appropriate to reflect the relative economic interests of the
      Members in the Company; and (c) the liquidation of the Company within the
      meaning of Regulation Section 1.704-1(b)(2)(ii)(g);

     

    (c) The
      Adjusted Book Value of any Company asset distributed to any Interest Holder
      shall be the fair market value (without reduction for liabilities secured by
      such assets) of such asset on the date of distribution;

     

    (d) The
      Adjusted Book Values of Company assets shall be increased (or decreased) to
      reflect any adjustments to the adjusted basis of such assets pursuant to Code
      Section 734(b) or Code Section 743(b), but only to the extent that such
      adjustments are taken into account in determining Capital Accounts pursuant
      to
      Regulation Section 1.704-1(b)(2)(iv)(m) and Section 3.3 of the Agreement;
provided,
      however,
      that
      Adjusted Book Values shall not be adjusted pursuant to this subsection (d)
      to
      the extent it is determined that an adjustment pursuant to subsection (b) is
      necessary or appropriate in connection with a transaction that would otherwise
      result in an adjustment pursuant to this subsection (d); and

     

    (e) The
      Adjusted Book Value of each asset determined or adjusted pursuant to (a), (b)
      or
      (c) above shall thereafter be adjusted by the depreciation taken into account
      with respect to such asset in computing Profit or Loss.

     

    C.1.2
      "Adjusted
      Capital Account Deficit"
      shall
      mean, with respect to any Interest Holder, the deficit balance, if any, in
      the
      Interest Holder's Capital Account as of the end of the relevant taxable year,
      after giving effect to the following adjustments: (i) the deficit shall be
      decreased by any amounts which the Interest Holder is obligated to restore
      pursuant to Regulation Section 1.704-1(b)(2)(ii)(c) or is deemed obligated
      to
      restore pursuant to Regulation Section 1.704-2; and (ii) the deficit shall
      be
      increased by the items described in Regulation Sections 1.704-1(b)(2)(ii)(d)(4),
      (5) and (6). This definition is intended to comply with the provisions of
      Regulation Section 1.704-1(b)(2)(ii)(d) and shall be interpreted consistently
      therewith.

     

    
      
         

      

      
        EXHIBIT
          C

        
          

        

      

      
         

      

    

     

    C.1.3
      "Capital
      Account"
      shall
      mean the Capital Account to be maintained for each Interest Holder on the books
      of the Company in accordance with the following provisions:

     

    (a) An
      Interest Holder's Capital Account shall be credited with the Interest Holder's
      Capital Contributions, the amount of any liabilities assumed by the Interest
      Holder, the Interest Holder's share of Profit and any item in the nature of
      income or gain specially allocated to the Member;

     

    (b) An
      Interest Holder's Capital Account shall be debited with the amount of money
      and
      the fair market value of any property distributed to the Interest Holder (net
      of
      liabilities secured by such distributed property that such Interest Holder
      is
      considered to assume or take subject to under Section 752 of the Code), the
      amount of any liabilities of the Interest Holder assumed by the Company (other
      than liabilities assumed by the Company pursuant to the Agreement), the Interest
      Holder's distributive share of Loss and any item in the nature of expenses
      or
      losses specially allocated to the Member;

     

    (c) If
      an
      Interest Holder's interest in the Company is transferred pursuant to the terms
      of this Agreement, the transferee shall succeed to the Capital Account of the
      transferor to the extent the Capital Account is attributable to the transferred
      interest.

     

    It
      is
      intended that the Capital Accounts of all Interest Holders shall be maintained
      in compliance with the provisions of Regulation Section 1.704-1(b) and 1.704-2,
      and all provisions of this Agreement relating to the maintenance of Capital
      Accounts shall be interpreted and applied in a manner consistent with the
      Regulations.

     

    C.1.4
      "Member
      Loan Nonrecourse Deductions"
      shall
      mean any Company deductions that would be Nonrecourse Deductions if they were
      not attributable to a loan made or guaranteed by a Member within the meaning
      of
      Regulation Section 1.704-2(i).

     

    C.1.5
      "Minimum
      Gain"
      has the
      meaning set forth in Regulation Section 1.704-2(b). Minimum Gain shall be
      computed separately for each Interest Holder, applying principles consistent
      with both the foregoing definition and the Regulations promulgated under Section
      704 of the Code.

     

    C.1.6
      "Nonrecourse
      Deduction"
      has the
      meaning set forth in Regulation Section 1.704-2(b)(1). The amount of Nonrecourse
      Deductions for a taxable year of the Company equals the net increase, if any,
      in
      the amount of Minimum Gain during that taxable year, determined according to
      the
      provisions of Regulation Section 1.704-2(c).

     

    C.1.7
      "Profit"
      and
      "Loss"
      shall
      mean for each taxable year of the Company or other period, an amount equal
      to
      the Company's taxable income or loss for the year or period, determined in
      accordance with Code Section 703(a), with the following adjustments (i) all
      items of income, gain, loss, deduction, or credit required to be stated
      separately pursuant to Code Section 703(a)(1) shall be included in computing
      the
      Company's taxable income or loss; (ii) any tax exempt income of the Company,
      not
      otherwise taken into account in computing Profit or Loss, shall be included
      in
      computing the Company's taxable income or loss; and (iii) any expenditures
      of
      the Company described in Code Section 705(2)(B) (or treated as such pursuant
      to
      Regulation Section 1.704-1(b)(2)(iv) and not otherwise taken into account in
      computing Profit or Loss, shall be subtracted from taxable income or
      loss.

     

    
      
         

      

      
        EXHIBIT
          C

        
          

        

      

      
         

      

    

    

    C.2. Allocation
      of Profits and Losses other than for a Capital Transaction

    

    C.2.1 Allocation
      of Profit and Loss.
      After
      giving effect to the special allocation provisions set forth in Sections
      C.2.2(a) through C.2.2(g) below and C.2.3(a) through C.2.3(d) below, Profit
      or
      Loss (other than Profit or Loss resulting from a Capital Transaction, which
      Profit or Loss shall be allocated in accordance with the provisions of Section
      C3 below) shall be allocated to the Interest Holders in accordance with their
      respective Percentage Interests.

     

    C.2.2 Special
      Allocations of Items in the Nature of Income or Gain.
      Notwithstanding the allocations of Profit or Loss as set forth in Sections
      C2.1
      above:

     

    (a) If
      any
      Interest Holder unexpectedly receives any adjustment, allocation or distribution
      described in Regulation Section 1.704-1(b)(2)(ii)(d)(4), (5), or (6), which
      causes such Interest Holder to have an Adjusted Capital Account Deficit, items
      of Company income and gain shall be specially allocated to that Interest Holder
      in an amount sufficient to eliminate, to the extent required by the Regulations,
      the Adjusted Capital Account Deficit of the Interest Holder as soon as possible.
      This Section C.2.2(a) is intended to comply with, and shall be interpreted
      consistently with, the "qualified income offset" provisions of the Regulations
      promulgated under Code Section 704(b).

     

    (b) If
      there
      is a net decrease in Minimum Gain during any taxable year and if any Interest
      Holder has an Adjusted Capital Account Deficit as of the last day of that
      taxable year which exceeds the Interest Holder's share of the Minimum Gain
      as of
      that day, then all items of gross income and gain of the Company for that
      taxable year (and, if necessary, for subsequent taxable years) shall be
      allocated to those Interest Holders in the amount and in the proportions
      required to eliminate the excess as soon as possible. This Section C.2.2(b)
      is
      intended to comply with, and shall be interpreted consistently with, the
      "minimum gain chargeback" provisions of the Regulations promulgated under Code
      Section 704(b).

     

    (c) No
      Interest Holder shall be allocated Losses or deductions if the allocation causes
      an Interest Holder to have an Adjusted Capital Account Deficit. If any Interest
      Holder receives (1) an allocation of Loss or deduction (or item thereof) or
      (2)
      any distribution which causes the Interest Holder to have an Adjusted Capital
      Account Deficit at the end of any taxable year, then all items of income and
      gain of the Company (consisting of a pro rata portion of each item of Company
      income, including gross income and gain) for that taxable year shall be
      allocated to that Interest Holder, before any other allocation is made of
      Company items for that taxable year, in the amount and in proportions required
      to eliminate the deficit as soon as possible.

     

    (d) To
      the
      extent an adjustment to the adjusted tax basis of any Company asset pursuant
      to
      Code Section 734(b) or Code Section 743(b) is required, pursuant to Regulation
      Section 1.704-1(b)(2)(iv)(m), to be taken into account in determining Capital
      Accounts, the amount of the adjustment to the Capital Accounts shall be treated
      as an item of gain (if the adjustment increases the basis of the asset) or
      loss
      (if the adjustment decreases such basis); and the gain or loss shall be
      specially allocated to the Interest Holders in a manner consistent with the
      manner in which their Capital Accounts are required to be adjusted pursuant
      to
      that section of the Regulations.

     

    
      
         

      

      
        EXHIBIT
          C

        
          

        

      

      
         

      

    

     

    (e) Nonrecourse
      Deductions for a taxable year or other period shall be specially allocated
      among
      Interest Holders in proportion to their respective Percentage
      Interests.

     

    (f) Any
      Member Loan Nonrecourse Deduction for any taxable year or other period shall
      be
      specially allocated to the Interest Holder who bears the risk of loss with
      respect to the loan to which the Interest Holder Loan Nonrecourse Deduction
      is
      attributable in accordance with Regulation Section 1.704-2(b).

     

    (g) Any
      special allocations pursuant to Sections C.2.2(a),
      C.2.2(b) or C.2.2(c) hereof shall be taken into account in computing subsequent
      allocations of Profits or Losses pursuant to this Section C.2, as allowable
      under Code Section 704 and Regulations promulgated pursuant thereto, so that
      the
      net amount of any items so allocated and the Profits, Losses and all other
      items
      allocated to each Interest Holder pursuant to this Section shall, to the extent
      possible, be equal to the net amount that would have been allocated to each
      such
      Person pursuant to the provisions of this Section if those special allocations
      had not been required.

     

    C.2.3 Tax
      Allocations.

     

    (a) In
      accordance with Code Section 704(c) and the Regulations thereunder, income,
      gain, loss and deduction with respect to any property contributed to the capital
      of the Company shall, solely for tax purposes, be allocated among the Members
      so
      as to take into account any variation between the adjusted basis of the property
      to the Company for federal income tax purposes and its initial Adjusted Book
      Value, computed in accordance with Section C.1.1 hereof.

     

    (b) If
      the
      Adjusted Book Value of any Company asset is adjusted pursuant to Section C.1.1
      hereof, subsequent allocations of income, gain, loss and deduction with respect
      to the asset shall take account of any variation between the adjusted basis
      of
      the asset for federal income tax purposes and its Adjusted Book Value in the
      same manner as under Code Section 704(c) and the Regulations
      thereunder.

     

    (c) Any
      elections or other decisions relating to allocations shall be made by the Board
      in any manner that reasonably reflects the purpose and intention of this
      Agreement. Allocations pursuant to this Section C.2.3 are solely for purposes
      of
      federal, state and local taxes and shall not affect, or in any way be taken
      into
      account in computing, any Member's Capital Account or share of Profits, Losses,
      other items or distributions pursuant to any provision of this
      Agreement.

     

    (d) If
      all or
      part of a Member's Interest in the Company is assigned at any time other than
      at
      the end of the Company's taxable year, profits, gains, losses, deductions,
      and
      credits of the Company allocable to the Interest assigned will be divided
      between the assignor and the assignee by taking into account their varying
      interests during the period in accordance with Code Section 706(d) and the
      regulations thereunder using any conventions permitted by law and selected
      by
      the Board of Directors.

     

    
      
         

      

      
        EXHIBIT
          C

        
          

        

      

      
         

      

    

     

    C3. Allocation
      of Profits and Losses for a Capital Transaction

    

    C.3.1 Allocation
      of Profit and Loss.
      After
      giving effect to the special allocation provisions set forth in Sections
      C.2.2(a) through C.2.2(g) above and C.2.3(a) through C.2.3(d) above, Profit
      or
      Loss from a Capital Transaction shall be allocated to the Interest Holders,
      and
      distributed by the Company, in the following order and priority:

    

    (a)
      First, to the payment of all expenses of the Company incident to the Capital
      Transaction; then

     

    (b)
      Second, to the payment of debts and liabilities of the Company then due and
      outstanding (including all debts due to any Interest Holder); 

     

    (c) the
      balance shall be distributed as follows:

     

    (i)
      First, to those Interest Holders that have a positive Capital Account balance,
      to be distributed to such Interest Holders on a pari
      passu
      basis
      until their respective Capital Accounts have a zero balance;

     

    (ii)
      Second, to the Interest Holders in proportion to their Percentage
      Interests.

     

    C.3.2 Right
      to Assign Capital Proceeds.
      Interest Holders entitled to a priority distribution pursuant to Section
      C.3.1(c) above may assign, without the consent of the Members, some or all
      of
      his/her/its right to such distribution of Profit or Loss to another person
      or
      entity (including any other Interest Holder), subject to any requirements
      imposed by the Act or the Code.

    

    
      
         

      

      
        EXHIBIT
          C

        
          

        

      

      
         

      

    

    EXHIBIT
      D

     

    Certificate
      of Formation

    

    [Certificate
      of Formation of Benefits Technologies, LLC, was filed January 29, 2008 with
      Delaware Secretary of State.]

     

    
      
         

      

      
        EXHIBIT
          D

        
          

        

      

      
         

      

    

    EXHIBIT
      E

     

    Approved
      [Initial] Budget

    

    
      
         

      

      
        EXHIBIT
          EExhibit
      10.22

    

    PLEDGE
      AGREEMENT

    

    THIS
      PLEDGE AGREEMENT (“Agreement”) is entered into as of this 27th
      day
      of
      February, 2008, by and among ASSOCIATED THIRD PARTY ADMINISTRATORS (“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 31, 2008, by and among BENEFITS TECHNOLOGIES, LLC
      (“BT”), Pledgor and Pledgee. Capitalized terms not otherwise defined herein
      shall have the meaning given such terms in the License Agreement.

    

    B. PURPOSE.
      Pursuant to Paragraph 9.1 of the License Agreement, fifty percent (50%) of
      the
      membership interest owned by Pledgor in BT shall be pledged as security for
      the
      performance of Pledgor of its Obligations (defined below) under the License
      Agreement.

    

    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.
      To
      secure the prompt and complete payment and performance when due of the
      obligations of Pledgor under the License Agreement (the "Obligations"), Pledgor
      hereby grants a security interest to Pledgee in all of Pledgor's right, title
      and interest in and to the following: (a) one half (1/2) of the units comprising
      its membership interest in BT, and all of Pledgor's rights and benefits arising
      from such membership interest (the “Collateral" or "Pledged Interest”). Pledgor
      represents that as of the date hereof, Pledgor's units comprise a forty percent
      (40%) voting membership interest in BT, and that the Pledged Interest granted
      hereunder equals a twenty percent (20%) voting membership interest in BT.

     

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

     

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

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    5. RESTRICTIONS
      ON SHARES.
      Pledgee
      acknowledges that he/she is aware that the Pledged Shares are subject to the
      Limited Liability Company Agreement of BT (the “LLC Agreement”), and that the
      LLC Agreement places restrictions on the transferability of membership
      interests. 

     

    6. PAYMENT.
      Upon
      satisfactory written evidence that the payments under the License Agreement
      have
      been fully paid, including the receipt by Pledgee of releases from certain
      creditors specified in the License Agreement, the License Agreement will
      terminate, the WebERF software will transfer immediately to BT, and this Pledge
      Agreement will be extinguished.

     

    7. REPRESENTATIONS
      AND COVENANTS OF PLEDGOR.
      (a)
      Pledgor owns, and all times hereunder will own, the Collateral free and clear
      of
      all liens, restrictions, and limitations, other than those set forth in the
      LLC
      Agreement; (b) Pledgor has authority to enter into this Agreement, and this
      Agreement constitutes the legal, valid and binding obligation of Pledgor, and
      does not conflict with any other agreement, instrument or order to which Pledgor
      is subject; and (c) there are no options, privileges or rights, and there is
      no
      legal action pending or threatened, which would affect Pledgor's interest in
      and
      to the Collateral. During the term of this Agreement, Pledgor (i) will not
      transfer, assign or encumber the Collateral, except only pursuant to this
      Agreement and any documents entered into pursuant to this Agreement, and (ii)
      will take any action reasonably necessary or appropriate to protect and preserve
      Pledgee's interest in the Collateral, at Pledgor's expense.

     

    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 the License
      Agreement or at such other address as any party may direct in writing. If the
      default is not cured within the time frames required under the License
      Agreement, Pledgor shall deliver to Pledgee the blank endorsed membership
      certificate(s), evidencing the Pledged Interest. Upon Pledgee’s receipt of the
      certificates, the Pledged Interest shall be deemed to have been reissued by
      TBT
      to Pledgee with all the voting, dividend and other rights conferred upon a
      member, subject to any reduction that may have occurred prior to such date
      as a
      result of the sliding scale reduction in the Pledged Collateral set forth in
      subparagraph (b) herein below;

     

    (b)
      From
      and after the one year anniversary of the Effective Date (as defined in the
      License Agreement), and provided that Pledgor and BT have fully and timely
      performed their obligations under the License Agreement at all times prior
      thereto and there is no event of default existing (or circumstances which with
      the passage of time would constitute an event of default under the License
      Agreement), the membership interests that are subject to the Pledge Agreement
      shall be reduced by fifteen percent (15%) of the initial pledged amount for
      every $100,000 thereafter paid by Pledgor to Pledgee pursuant to the License
      Agreement. Notwithstanding the foregoing, it is agreed that the Pledged Interest
      shall never be reduced below an amount such that the sum of Pledgee’s membership
      interest and the pledged amount is less than fifty-one percent (51%) of the
      total voting membership interest of BT, and provided further that in the event
      of issuances of additional voting membership interests of BT or other diluting
      events, the Pledge Interest shall be adjusted (including increased, as
      applicable, but not above one-half of Pledgor's total membership interest),
      to
      meet the minimum fifty-one percent (51%) requirement. 

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    (c)
      In
      order to preserve and protect Pledgee's rights under this Agreement and in
      the
      Collateral, effective automatically upon the occurrence of a default that is
      not
      cured as required under this Section 8, Pledgor appoints Pledgee as its true
      and
      lawful attorney in fact, with full power of substitution to perform any and
      all
      acts which Pledgor is obligated to do or is entitled to do under this Agreement.
      In addition to any other remedies, in the event of a default that is not cured
      as required under this Section 8, all rights of Pledgor to vote the units
      comprising the Pledged Interest, and the right to receive any distributions
      or
      dividends shall cease, and Pledgee shall have the sole right to exercise such
      rights.

     

    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.

     

    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.
      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.

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    NOTWITHSTANDING
      THE FOREGOING, PLEDGEE SHALL BE ENTITLED TO ALL RIGHTS AND REMEDIES AVAILABLE
      TO
      IT UNDER THE UNIFORM COMMERCIAL CODE, AS ADOPTED IN CALIFORNIA, IN ENFORCING
      ITS
      RIGHTS, AND REALIZING UPON, THE COLLATERAL DELIVERED BY PLEDGEE PURSUANT TO
      THIS
      AGREEMENT.

     

    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.

     

    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:
	 	 	 	 	 
	INFORMATION
              CONCEPTS,
              INC.	 	ASSOCIATED
              THIRD
              PARTY ADMINISTRATORS
	 	 	 	 	 
	 	 	 	 	 
	By	/s/
              Bruce
              Biller	 	By	/s/
              Rick
              Stierwalt
	 	
              
Authorized
              Signature	 	 	
              
Authorized
              Signature
	 	 	 	 	 
	 	Name: Bruce
              Biller	 	 	Name: Rick
              Stierwalt
	 	Title:
              President	 	 	Title:
              President

    

     

    ACKNOWLEDGEMENT
      AND CONSENT REGARDING PLEDGED INTEREST

     

    To:
      Information Concepts, Inc.

     

    The
      undersigned acknowledges that Associated Third Party Administrators
      ("ATPA”)
      has
      granted to ICI a security interest in 50% of all of ATPA's right, title and
      interest in and to ATPA's units (the "Pledged Units") in Benefits Technologies,
      LLC.

    

    Therefore,
      intending that ICI may rely hereon in entering into an agreement with ATPA,
      the
      undersigned irrevocably and unconditionally consents to ATPA's grant to ICI
      of a
      security interest in the Pledged Units, and the resultant succession and
      substitution of ICI in the event of a default as provided for in the Pledge
      Agreement, and agrees to comply with the instructions of ICI in the enforcement
      of its rights under the Pledge Agreement.

    

    Agreed
      to
      and executed as of this 27th
      day of
      February, 2008.

     

    
      	 	 	 
	 	BENEFITS
              TECHNOLOGIES, LLC
	 
 	 
 	 
 
	
            	By  	/s/
              Leonard Neuhaus
	 	
              
Len
              Neuhaus, Chairman

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