Document:

Form of 2007 Grant Acceptance Agreement relating to Common Stock

 Exhibit 10.2 
 Prudential Financial, Inc. 
 Performance Shares 
 Grant Acceptance Agreement 
 (for executives subject to the reporting requirements under Section 16(a) of the U.S. Securities
Exchange Act of 1934, as amended) 
 February 13, 2007 (the “Grant Date”) 
 You have been granted a target number of XXX performance shares (the “Performance Shares”) on the Grant Date. The actual number of Performance
Shares you may receive will be determined pursuant to this Grant Acceptance Agreement (this “Agreement”) and the Prudential Financial, Inc. Omnibus Incentive Plan (the “Plan”) (capitalized terms used but not defined herein have
the meanings given such terms in the Plan). Each Performance Share represents a right to receive one share of Prudential Financial, Inc. common stock, par value $0.01 per share (“Common Stock”), in accordance with the terms and subject to
the conditions and restrictions set forth in this Agreement and the Plan. 
  

	Payment	Date: 

 Following approval by the Compensation Committee of the
Board of Directors of Prudential Financial, Inc. (“Prudential”), any shares of Common Stock to which you are entitled in respect of the Performance Shares will be delivered to you on February XX, 20010 (the “Payment Date”) or as
soon as administratively practicable thereafter, except as otherwise provided in this Agreement or the Plan. 
  

	Performance	Cycle: 

 The Performance Cycle begins January 1, 2007 and
expires on December 31, 2009 (the “Performance Cycle”). 
 See the brochure entitled 2007 Long-Term Incentive Program—Performance Shares
and Stock Options (the “Brochure”) for more information about this grant. This Agreement and the Brochure are subject to the terms, conditions and restrictions contained in the Plan. Except as specified otherwise, this Agreement and the
Brochure are not a substitute for the official Plan document, which governs the operation of the Plan. Also, this is not a stock certificate or negotiable instrument. 
 Your eligibility for the 2007 Long-Term Incentive Program (the “Program”), the benefits provided by the Program and all other terms and conditions of the Program and any long-term grant of Performance Shares
will be determined pursuant to, and are governed by, the provisions of the Plan document and this Agreement, including any decisions of the Committee designated under the Plan by the Prudential’s Board of Directors (the “Compensation
Committee” or the “Committee”). Except as specifically stated otherwise in this Agreement, if there is any discrepancy between the information in this Agreement or in the Brochure and the Plan document, or if there is a conflict
between information discussed by anyone acting on behalf of Prudential and the actual Plan document, the Plan document, as interpreted by the Committee (or its delegate), in its sole discretion, will always govern. 

	1.	Earnout: Performance Goals 

 Provided that you are
actively employed with Prudential or any of its direct or indirect subsidiaries (collectively, the “Company Group”) as of the Payment Date, you will receive a number of shares of Common Stock equal to the target number of Performance
Shares set forth above as adjusted based on achievement of the performance goals set forth below. One-half (1/2) of the target award is conditioned on achievement of average ROE goals over the Performance Cycle, and the other one-half
(1/2) of the target award is conditioned on achievement of EPS growth goals over the Performance Cycle, in each case, as set forth below. 
 ROE achievement means the average ROE for 2007, 2008 and 2009. ROE achievement is evaluated as follows: 
 TABLE 1

  

			
	 ROE Achievement
	  	 Payout as % of Target
 Number of Shares

	10.00% or less	  	0%
	10.50%	  	12.5%
	11.00%	  	25%
	11.50%	  	37.5%
	12.00%	  	50%
	12.75%	  	62.5%
	13.50%	  	75%
	14.25%	  	87.5%
	15.00%	  	100% (target)
	15.25%	  	112.5%
	15.50%	  	125%
	15.75%	  	137.5%
	16% or more	  	150% (maximum)

 EPS achievement means growth in EPS calculated based on the compounded annual growth rate
(“CAGR”) for the period from January 1, 2007, through December 31, 2009, against Prudential’s 2006 EPS (using the same definition). EPS achievement is evaluated as follows: 
 TABLE 2 
  

			
	 EPS Growth (CAGR 2007-2009)
	  	 Payout as % of Target
 Number of Shares

	6.00% or less	  	0%
	7.00%	  	12.5%
	8.00%	  	25%
	9.00%	  	37.5%
	10.00%	  	50%
	10.75%	  	62.5%
	11.50%	  	75%
	12.25%	  	87.5%
	13.00%	  	100% (target)
	13.25%	  	112.5%
	13.50%	  	125%
	13.75%	  	137.5%
	14.00% or more	  	150% (maximum)

  

 2 

 Subject to the terms, conditions and restrictions set forth herein and in the Plan, the number of shares
of Common Stock you may receive will equal the target number of Performance Shares set forth above multiplied by the average of the percentages opposite the actual “ROE Achievement” (in Table 1) and “EPS Growth” (in Table 2)
attained for the Performance Cycle, provided that if the actual ROE Achievement or EPS Growth is between any two data points set forth in the applicable table, the corresponding percentage will bear a linear relationship with the actual achievement
between such data points. Such resulting number of shares shall be rounded to the nearest whole number (the “Payout Amount”). 
 In
the event of a significant acquisition (as determined by the Committee in its sole discretion) involving Common Stock or a divestiture or other transaction involving Prudential or any other member of the Company Group during the Performance Cycle,
the Committee may, in its sole discretion, assess the impact of any such event on the average ROE and EPS growth goals set forth above and adjust such goals and related payout scales as the Committee, in its sole discretion, deems appropriate.

 Notwithstanding the foregoing, the Committee, in its sole discretion, may (i) under normal circumstances, adjust the Payout Amount,
within the 0% to 150% of the target number of Performance Shares, to take into account critical performance factors and other events, as the Committee deems desirable, and (ii) in the event of circumstances deemed to be extraordinary by the
Committee, make additional adjustments to the Payout Amount. 
 If you are one of the five most highly compensated executives of Prudential on
the Payment Date, the shares of Common Stock delivered hereunder will be reduced, to the extent necessary (but not below zero), so that the Fair Market Value of such shares on the date of delivery plus any annual incentive compensation otherwise
payable in respect of calendar year 2009 will not exceed six-tenths of one percent (0.6%) of Adjusted Operating Income for the year ending December 31, 2009. 
 ROE is defined as “Prudential’s operating return on average equity (based on after-tax adjusted operating income)” as publicly disclosed in Prudential’s Quarterly Financial Supplement
(“QFS”). ROE for each year in the Performance Cycle is defined as the average of the quarterly ROE figures for such year published in the QFS. 
 EPS is defined as the “Earnings Per Share of Common Stock (diluted): Financial Services Businesses after-tax adjusted operating income” as publicly disclosed in the QFS, normalized for significant one-time
charges or benefits that do not accurately reflect the operating performance of Prudential’s businesses as and to the extent determined by the Compensation Committee. 
  

 3 

 The Compensation Committee determines, in its sole discretion, ROE, average ROE, EPS, CAGR and the Payout
Amount. 
  

	2.	No Rights as a Shareholder; Dividend Equivalents 

 You, as a Participant, shall not have any right to vote on any matter submitted to Prudential’s stockholders until such time as Common Stock (if any) attributable to the Performance Shares has been issued to you. You shall be eligible
to receive Dividend Equivalents on the lesser of the (a) Payout Amount or (b) the target number of Performance Shares set forth above, based on any regular cash dividends declared on Common Stock from the Grant Date until the Payment Date
(or until the date of forfeiture if sooner). Any such Dividend Equivalents shall be (i) subject to the same restrictions and conditions as the Performance Shares and (ii) paid in cash on the Payment Date or as soon as administratively
practicable thereafter. There will be no reinvestment option or earned interest credits on any Dividend Equivalent. 
  

	3.	Taxes 

 Prudential (or, if appropriate, any other
member of the Company Group) shall have the right to deduct and report taxes (federal, state, local or foreign taxes, including social insurance taxes) or other obligations required to be withheld by law prior to distributions made to you.
Prudential (or, if appropriate, any other member of the Company Group) also shall have the right to require you to remit to Prudential (or, if appropriate, any other member of the Company Group) an amount necessary to satisfy any such taxes or other
obligations. 
  

	4.	Governing Law 

 The validity, construction and
effect of this Agreement and the plan shall be determined in accordance with the laws of the State of New Jersey without regard to principles of conflict of laws. 
  

	5.	Terms and Restrictions Upon Death, Disability and Other Termination of Employment 

  

	 	(a)	Notwithstanding any provisions of the Plan to the contrary, you agree that all outstanding Performance Shares shall automatically be forfeited and cancelled upon the termination,
for any reason, of your employment with any member of the Company Group, and no shares of Common Stock may thereafter be issued with respect to the Performance Shares, except as follows: 

  

	 	(1)	Death. In the event your employment with any member of the Company Group terminates by reason of death prior to the Payment Date, your estate will receive shares of Common
Stock calculated as if the target number of Performance Shares set forth above had, in fact, been earned upon your death or as soon as administratively practicable thereafter. 

  

	 	(2)	Disability. In the event your employment with any member of the Company Group terminates by reason of Disability prior to the Payment Date, you (or, if you subsequently die
before delivery of shares of Common Stock, your estate will receive shares of Common Stock calculated as if the target number of Performance Shares set forth above had, in fact, been earned upon the date of such termination (or death) or as soon as
administratively practicable thereafter. 

  

 4 

	 	(3)	Approved Retirement. In the event (i) your employment with any member of the Company Group terminates, (ii) you qualify for an Approved Retirement, and
(iii) you execute and submit by the date specified by Prudential, and do not later revoke, a separation agreement and/or release in a form and with terms and conditions satisfactory to Prudential (hereafter referred to as the
“Release”), the following provisions will apply: 

  

	 	(A)	If your employment terminates during 2007, and you have been an active employee of the Company Group for less than three full calendar months during 2007, the Performance Shares
will be forfeited and cancelled. 

  

	 	(B)	If your employment terminates during 2007, and you have been an active employee of the Company Group for at least three full calendar months during 2007, your target number of
Performance Shares will be reduced by multiplying the target number of Performance Shares set forth above by a fraction, the numerator of which is the number of full calendar months (a partial month worked shall be counted as a full month if you
were an active employee of the Company Group for 15 days or more in that month) of calendar year 2007 during which you have been an active employee of the Company Group, and the denominator of which is 12. If this results in a fractional share, the
number of Performance Shares will be rounded to the next higher integer. The remaining balance of the target number of Performance Shares, and any final number of Performance Shares that could have been awarded based on the target number, will be
forfeited and cancelled. 

  

	 	(C)	Except as provided in Subsection 5(a)(3)(A) above, you will receive a number of shares of Common Stock equal to the target number of Performance Shares set forth above, as adjusted,
if applicable, as described in Subsection 5(a)(3)(B) above, at the time specified in the second paragraph of this Agreement (entitled “Payment Date”). In the event of your death following such termination of employment and before delivery
of shares of Common Stock, your estate will receive such shares of Common Stock at the time specified in the immediately preceding sentence. 

  

	 	(4)	Any Other Reason. In the event (i) your employment with any member of the Company Group terminates for any reason other than one described in Subsections 5(a)(1),
(2) and (3) above, or Subsections 5(b) and (c) below, and (ii) you execute and submit by the date specified by Prudential, and do not later revoke, a Release, you (or, if you subsequently die before delivery of shares of Common
Stock, your estate) will receive a number of shares of Common Stock equal to the target number of Performance Shares set forth above multiplied by a fraction, the numerator of which is the number of full months in the Performance Cycle during which
you were an employee of the Company Group and the denominator of which is 36 (a partial month worked shall be counted as a full month if you were an active employee of the Company Group for 15 days or more in that month), upon the date of such
termination or as soon as administratively practicable thereafter. If this results in a fractional share, the number of Performance Shares will be rounded to the next higher integer. The remaining balance of the target number of Performance Shares,
and any final number of Performance Shares that could have been awarded based on the target number, will be forfeited and cancelled. 

  

 5 

	 	(b)	In the event your employment is terminated by any member of the Company Group for Cause, any outstanding Performance Shares shall be immediately forfeited and cancelled upon such
termination, and the Committee may require that you disgorge any payment, profit, gain or other benefit (including, but not limited to, any dividends or Dividend Equivalents) in respect of the Performance Shares or any prior performance share or
restricted unit awards received within a period of twelve (12) months prior to your termination of employment for Cause. For purposes of this Subsection 5(b), in the event your employment is terminated by any member of the Company Group for
Cause, the provisions of this Subsection 5(b) will apply notwithstanding any assertion (by you or otherwise) of a termination of employment for any other reason enumerated under this Section 5. 

  

	 	(c)	Upon the termination of your employment with any member of the Company Group as a result of your resignation, any outstanding Performance Shares shall be immediately forfeited and
cancelled. 

  

	 	(d)	Notwithstanding any other provisions of the Plan or this Agreement to the contrary, to the extent necessary to comply with the requirements of Code Section 409A, upon
termination of your employment with any member of the Company Group, delivery of shares of Common Stock hereunder may not be made before the date that is six (6) months after the date of such termination of employment (or, if earlier, the date
of your death). 

  

	6.	Covenant Not to Solicit; Other Terms and Restrictions 

  

	 	(a)	Restrictions During Employment. You agree that during your employment with any member of the Company Group, you shall not, other than on behalf of any member of the Company
Group, or as may otherwise be required in connection with the performance of your duties on behalf of any member of the Company Group, solicit or induce, either directly or indirectly, or take any action to assist any entity, either directly or
indirectly, in soliciting or inducing any employee of the Company Group (other than your administrative assistant) to leave the employ of the Company Group (“Induce Departures”). 

  

	 	(b)	Post-Employment Restrictions. You agree that you shall comply with the following restrictive covenants following the termination of your employment with any member of the
Company Group: 

  

	 	(1)	Non-solicitation. Until the Payment Date or, if later, the end of one year after the termination of your employment with any member of the Company Group for any reason, you
shall not Induce Departures or hire or employ, or assist in the hire or employment of, either directly or indirectly, any individual (other than your administrative assistant) whose employment by the Company Group ended within sixty (60) days
preceding that individual’s hire or employment by you or your successor employer; 

  

	 	(2)	Additional Restrictive Covenants. In the event of your Approved Retirement due to your voluntary termination of employment, you shall not compete with the Company Group in
any business in which the Company Group is engaged as of your last date of employment that operates in any geographic area in which the Company Group operates as of your last date of employment, for a period of one year following your termination of
employment, or until the Payment Date, whichever is the shorter period. 

  

 6 

	 	(c)	Restrictions Separable and Divisible. You hereby acknowledge that you understand the restrictions imposed upon you by Subsections 6(a) and (b) of this Agreement. You and
Prudential understand and intend that each such restriction agreed to by you will be construed as separable and divisible from every other restriction, and that the unenforceability, in whole or in part, of any restriction will not affect the
enforceability of the remaining restrictions and that one or more of all of such restrictions may be enforced in whole or in part as the circumstances warrant. Prudential may waive any of these restrictions or any breach in circumstances that it
determines, in its sole discretion, do not adversely affect its interests, but only in a writing signed by its Senior Vice President, Corporate Human Resources (or the successor to his or her human resource responsibilities), or his or her delegate.
No waiver of any one breach of the restrictions contained herein will be deemed a waiver of any other breach. 

  

	 	(d)	Remedies. You agree that the restrictions of Subsections 6(a) and (b) of this Agreement are fair, reasonable and necessary, and are reasonably required for the
protection of Prudential and any other member of the Company Group. You also agree and acknowledge that the amount of damages that would derive from the breach of these restrictions is not readily ascertainable and that the restrictions contained
herein are a significant portion of the consideration that you are conveying or have conveyed to Prudential in consideration of the grant of the Performance Shares evidenced by this Agreement. Accordingly, you agree that, in the event that you fail
to execute and submit or you revoke a Release described in Section 5 of this Agreement, or you breach any of the restrictive covenants set forth in Subsections 6(a) and 6(b) of this Agreement, all grants of Performance Shares shall be cancelled
immediately as of the date of such failure, as determined in the sole discretion of the Committee or its delegate. You also agree that if you breach any of the restrictive covenants set forth in Subsections 6(a) and 6(b) of this Agreement, in
addition to such equitable relief as may be available to Prudential as outlined below, you shall disgorge to Prudential all shares of Common Stock (rounded to the nearest whole share) received under the grant, or cash equal to the value of the
Performance Shares granted (using the current Fair Market Value of the Common Stock subject to the Performance Share when it was paid or payable). You shall disgorge such shares of Common Stock or make such payment within five (5) business days
of the date Prudential notifies you that a breach of the provisions of this Section 6 has occurred. If payment is not paid within such period, any subsequent payment shall be made with interest at a rate equal to the prime rate as reported in
The Wall Street Journal (Eastern Edition) on the date on which notice of your breach is sent to you by Prudential, plus two (2) percent. Interest payments shall be made in the form of cash only. You also acknowledge that, in the event
you breach any part of this Section 6, the damages to Prudential would be irreparable. Therefore, in addition to monetary damages and/or reasonable attorney’s fees, Prudential shall have the right to seek injunctive and/or other equitable
relief in any court of competent jurisdiction to enforce this covenant. Further, you consent to the issuance of a temporary restraining order to maintain the status quo pending the outcome of any proceeding. 

  

 7 

	7.	Compliance with Laws and Regulations 

 This award of
Performance Shares and the obligation of Prudential to deliver shares of Common Stock hereunder shall be subject in all respects to (a) all applicable federal, state, local and foreign laws, rules and regulations, and (b) any registration,
qualification, approvals or other requirements imposed by any government or regulatory agency or body which the Committee shall, in its sole discretion, determine to be necessary or applicable. Moreover, shares of Common Stock shall not be delivered
hereunder if such delivery would be contrary to applicable law or the rules of any stock exchange. 
  

	8.	Investment Representation 

 If at the time of any
delivery of shares of Common Stock hereunder, the Common Stock is not registered under the Securities Act of 1933, as amended (the “Securities Act”), or there is no current prospectus in effect under the Securities Act with respect to the
Common Stock, you shall, if requested by the Committee, execute, prior to the delivery of any shares of Common Stock to you by Prudential, an agreement (in such form as the Committee may specify) in which you represent and warrant that you are
acquiring the shares acquired under this Agreement for your own account, for investment only and not with a view to the resale or distribution thereof, and represent and agree that any subsequent offer for sale or distribution of any kind of such
shares shall be made only pursuant to either (a) a registration statement on an appropriate form under the Securities Act, which registration statement has become effective and is current with regard to the shares being offered or sold, or
(b) a specific exemption from the registration requirements of the Securities Act, but in claiming such exemption you shall, prior to any offer for sale of such shares, obtain a prior favorable written opinion, in form and substance
satisfactory to the Committee, from counsel for or approved by the Committee, as to the applicability of such exemption thereto. 
  

	9.	Agreement to Retain Shares 

 You agree to retain
ownership of 50% of the net shares of Common Stock acquired upon vesting of your Performance Shares. You also agree to hold all Common Stock retained pursuant to the preceding sentence until the later of (i) one year following the date of
acquisition of such Common Stock, or (ii) the date that you have satisfied the Share Ownership Guidelines set forth in a letter from Arthur Ryan dated April 4, 2002 (the “Guidelines”). Once you have satisfied the holding period
set forth in the preceding sentence, you may dispose of any Common Stock held in excess of the Guidelines, subject only to the Personal Securities Trading Policy, including the “Reporting Responsibilities and Procedures for Section 16
Officers and Directors and Control Persons of Prudential.” This agreement to retain Common Stock is applicable to this grant and for as long as you are an insider for purposes of Section 16 (a) of the U.S. Securities Exchange Act of
1934, as amended. 
  

	10.	Other Terms 

 This award of Performance Shares does
not entitle you to any benefit other than the benefits granted under the Plan. Any benefits granted under the Plan are not deemed compensation under any Prudential pension plan, welfare plan or any compensation plan or program and shall not be
considered as part of such compensation for purposes of calculating pension, bonuses, service awards, or in the event of severance, redundancy or resignation. 
  

 8 

 You understand and accept that the benefits granted under the Plan are entirely at the sole discretion of
Prudential, and that Prudential may modify, amend suspend or terminate the Plan or any and all of the policies, programs and plans described in this Agreement in whole or in part, at any time, without notice to you or your consent. Further, this
grant of Performance Shares does not give you the right to be granted any further Performance Shares or other forms of compensation or benefits at any time in the future. 
 Notwithstanding any provision of the Plan or this Agreement to the contrary, no acceleration of the time or schedule of any delivery of shares or other payment related to this award of Performance Shares shall be
permitted to the extent necessary to comply with Code Section 409A. The Committee may amend, modify, adjust or supplement any provision of this Agreement without your consent if the Committee, in its sole discretion, determines that such
amendment, modification, adjustment or supplementation is required or advisable for this award of Performance Shares or Prudential to comply with, or not violate, any applicable law, regulation or rule, including, without limitation, Code
Section 409A. 
 You understand and accept that if you gain access to unrestricted Common Stock related to the Performance Shares, or you
transfer Performance Shares or Common Stock at a time or in a manner not specifically authorized by the Plan, this Agreement, or Plan administrative rules (i.e., in “Error”), Prudential will be entitled to correct the Error, including
reversing the transaction and recouping any Common Stock or gain that you might receive as a result of the Error. 
 Nothing contained in this
Agreement or the Brochure is intended to constitute or create a contract of employment nor shall it constitute or create the right to remain associated with or in the employ of any member of the Company Group for any particular period of time.
Employment with any member of the Company Group is employment at will, which means that either you or any member of the Company Group may terminate the employment relationship at any time, with or without cause or notice. 
 I accept the terms of this Agreement, and acknowledge that I understand this Agreement and the terms of the Plan. I have received a copy of the Brochure as
currently in effect. 
  

 9Sublease Agreement

 Exhibit 10.1 
 SUBLEASE AGREEMENT 
 THIS SUBLEASE AGREEMENT (this “Sublease”) is entered into as of
the 9th day of February, 2007, by and between Vista Healthplan, Inc., a Florida corporation, whose address 300 South Park Road, Hollywood, Florida 33021 (the “Sublandlord”), and Rewards Network Services Inc., a Delaware corporation,
whose principal place of business for the purposes of this Sublease is 2 North Riverside Plaza, Suite 950, Chicago Illinois 60606 (the “Subtenant”). 
 RECITALS: 
 A. Metropolitan Life Insurance Company, a New York corporation whose address for
the purposes of this Sublease is 101 East Kennedy Boulevard, Suite 2330, Tampa, Florida 33602 (the “Master Landlord”), or its predecessor(s) in interest, entered into that certain Commercial Lease Agreement, dated as of
November 9, 1993, and modifications thereto (collectively the “Master Lease”) as listed below: 
 Subordination,
Nondisturbance & Attornment Agreement, dated November 24, 1993; 
 First Modification of Lease Agreement, dated
December 30, 1993; 
 First Modification of Subordination, Nondisturbance & Attornment Agreement, dated January 19, 1994;

 Second Modification of Lease Agreement, dated January 27, 1994; 
 Third Modification of Lease Agreement, dated January 19, 1995; 
 Fourth Modification of Lease Agreement, dated July 10, 1995; 
 Fifth Modification of Lease Agreement,
dated December 31, 1995; 
 Sixth Modification of Lease Agreement, dated October 28, 1996; 
 Seventh Modification of Lease Agreement, dated November 6, 2001; 
 Eighth Modification of Lease Agreement, dated April 14, 2003; 
 Notice of Sale, dated May 18, 2005.

 Pursuant to the Master Lease, Master Landlord leased to Sublandlord certain premises, in part, consisting of approximately eighty-three thousand seven
hundred eighty-five (83,785) rentable square feet (“Master Premises”) at the building (the “Building”) located at Venture Corporate Center III, 300 South Park Road, Hollywood, Florida 33021. A copy of the Master Lease as
described above has been provided by Sublandlord to Subtenant and is incorporated herein by reference. 
 B. By this provision of this
Sublease, Sublandlord represents it is not in default under the Master Lease and has agreed to sublease to Subtenant, and Subtenant has agreed to sublease from Sublandlord, a total of approximately twenty-one thousand eight hundred seventy-nine
(21,879) rentable square feet of office space comprising the entire third floor of the Master Premises generally depicted as the hatched areas shown in Exhibit A attached hereto (such space being subleased hereunder in its present,
“as-is” condition and configuration, and not as so depicted), and identified as Suite 300 (the “Subleased Premises”), in the Building described in Paragraph A above, subject to and in accordance with the provisions of the Master
Lease, as modified herein by this Sublease. 
 C. All capitalized terms used in this Sublease, which are not defined herein, shall have the
meanings set forth in the Master Lease. 
 NOW, THEREFORE, in consideration of the above recitals and the mutual agreements contained in this
Sublease, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Sublandlord and Subtenant hereby agree as follows: 

 1. Recitals. The Recitals set forth above are true and accurate and by this reference are
incorporated herein. 
 2. Agreement to Sublease; Commencement Date. Sublandlord hereby agrees to sublease and demise to
Subtenant, and Subtenant hereby agrees to sublease and accept from Sublandlord the Subleased Premises. Subtenant shall accept the Subleased Premises in its “AS-IS” condition (subject to the express representations of Sublandlord set forth
in Paragraph 25 hereof) and acknowledges that Sublandlord is under no obligation to improve or refurbish the Subleased Premises whatsoever other than pay the build-out allowance of up to $8.00 per Rentable Square Foot (“RSF”) for a total
of $175,032 pursuant to Paragraph 6(C) of this Sublease) and complying with all other terms of this Sublease and the Master Lease. 
 The
term of this Sublease (the “Sublease Term”) shall commence at 12:01 a.m. on July 1, 2007 (the “Rent Commencement Date”). Notwithstanding the foregoing Sublandlord shall deliver possession of the Subleased Premises to
Subtenant on or before March 1, 2007 for the installation of Subtenant’s equipment, improvements and fixtures. Subtenant’s occupancy of the Subleased Premises prior to the Rent Commencement Date for reasons other than the conduct of
business shall be subject to all the terms and provisions of this Sublease and the Master Lease, except for the obligation to pay any Monthly Rent and any applicable additional rent. 
 3. Sublease Term; Expiration. The Sublease Term shall commence on the Rent Commencement Date and shall expire at 11:55 p.m. on
June 30, 2009 (the “Sublease Term”), unless this Sublease is terminated earlier in accordance with the provisions hereof. 
 4. Commencement of Rent. The first month’s rent is due and payable upon execution of this Sublease by Subtenant. Payment of all other rent which is due under this Sublease, including Subtenant’s proportional share of
any other obligations due under this Sublease, if any, shall commence on the first day of the month following the Rent Commencement Date. 
 5. Incorporation of Master Lease; Relationship of Parties; Assumption of Obligations. 
 A.
Incorporation of Master Lease. Subtenant acknowledges that it has received and reviewed the Master Lease, and the terms of the Master Lease are incorporated herein by this reference. All of the provisions of the Master Lease (except those
expressly excluded pursuant to the provisions of this Sublease), as the same may be modified or supplemented by this Sublease, shall apply to this Sublease and the subtenancy hereby created, except that: 
 (i) except as this Sublease otherwise provides or the context otherwise dictates, in each instance, where the term “Tenant” is used in such
provisions, the term “Subtenant” shall be substituted; 
 (ii) except as this Sublease otherwise provides or the context otherwise
dictates, in each instance where the term “Landlord” is used, the term “Sublandlord” shall be substituted; provided, however, notwithstanding anything to the contrary contained herein, Sublandlord shall have no duty or obligation
to Subtenant to perform any of the obligations of Master Landlord or Sublandlord under the Master Lease except (A) as otherwise expressly provided in this Sublease, or (B) to maintain the Master Lease free from default by Sublandlord (in
its capacity as Tenant under the Master Lease). Sublandlord agrees upon written request by Subtenant to act on Subtenant’s behalf with respect to the enforcement of any rights of Sublandlord under the Master Lease in the 

 
event of any default by Master Landlord under the Master Lease; provided, however, Sublandlord shall not be obligated to incur any out-of-pocket costs or to
initiate litigation in connection therewith. Sublandlord agrees to allow Subtenant to commence litigation, if necessary, in Sublandlord’s name, to enforce Subtenant’s rights under this Sublease in which event Subtenant shall indemnify,
protect, defend and hold Sublandlord harmless from and against all claims, demands, liabilities, losses, costs or expenses (including reasonable attorneys’ fees) arising from such enforcement action(s) and Subtenant will not, without
Sublandlord’s prior consent which consent shall not unreasonably be delayed, withheld or conditioned, settle any such action(s) which would materially affect Sublandlord or Sublandlord’s rights or obligations under the Master Lease or
create any additional financial obligation on the part of Sublandlord. Notwithstanding anything to the contrary contained in this Sublease, Subtenant acknowledges and agrees that: (i) Sublandlord shall not be liable to Subtenant for any termination
of the Master Lease which is not the result of any action or failure to act of Sublandlord, and (ii) this Sublease is subordinate and subject to the Master Lease and that, except as otherwise set forth in the Consent to Sublease of Master Landlord,
any termination of the Master Lease may likewise terminate this Sublease without liability whatsoever to Sublandlord except that if such termination is the result of any action or failure to act of Sublandlord under the terms of the Master Lease,
then Sublandlord shall be liable to Subtenant as provided in Paragraph 18 of this Sublease; and 
 (iii) in each instance, where the term
“Premises” is used in such provisions, the term “Subleased Premises” shall be substituted. 
 (iv) notwithstanding
anything contained in this Sublease, the following provisions of the Master Lease shall not be incorporated in this Sublease and shall not be deemed obligations of Subtenant hereunder: Section 2 (“Demised Premises”); Section 3
(“Term”); Section 4 (“Tenant’s Plans and Specifications”); Section 5 (“Base Rent and Time of Payment”); Section 6 (“Additional Rent”); Section 9 (“Use”); Section 11 (“Assignment and
Subletting”); Section 14A and B (“Default by Tenant or Landlord”); Section 15 (“Contractual Security Interest”); and Sections A, B, C, D, E, F, G, H, J, K, L, P and Q of Section 44 (“Additional Provisions”). If
there is any conflict between the terms of this Sublease and the terms of the Master Lease, the terms of this Sublease shall control. 
 B. Assumption of Obligations by Subtenant. As an additional provision of this Sublease, Subtenant agrees that this Sublease is and at all times shall be subject and subordinate to the Master Lease and
the rights of the Master Landlord thereunder. Subtenant hereby expressly assumes and agrees: (i) to comply with all of the provisions of the Master Lease relating to the Subleased Premises (except those expressly excluded or modified herein); (ii)
to perform all of the obligations on the part of the “Tenant” to be performed under the terms of the Master Lease with respect to the Subleased Premises during the term of this Sublease (except those expressly excluded herein), and (iii)
to indemnify, protect, defend (with counsel reasonably acceptable to Sublandlord) and hold Sublandlord, its officers, employees agents, contractors and subcontractors free and harmless of and from all liability, judgments, costs, damages, claims,
demands, and expenses (including reasonable consultants’, attorneys’ and experts’ fees and costs) arising out of (A) Subtenant’s actual or alleged failure to comply with or to perform Subtenant’s obligations under this
Sublease or the obligations of the “Tenant” under the Master Lease with respect to the Subleased Premises (except those expressly excluded herein), (B) any act or failure to act by Subtenant in a manner which would constitute a breach
under the Master Lease by the tenant thereunder to the extent such obligation is assumed by Subtenant under this Sublease, and 

 
(C) Subtenant’s tortious conduct. The foregoing shall not apply to any liabilities arising from Sublandlord’s willful misconduct or
negligence. 
 C. Sublandlord’s Indemnification. Sublandlord shall indemnify, protect, defend (with counsel
reasonably acceptable to Subtenant) and hold Subtenant, its officers, employees, agents, contractors and subcontractors free and harmless of and from all liability, judgments, costs, damages, claims, demands, and expenses (including reasonable
consultants’, attorneys’ and experts’ fees and costs) arising out of (i) Sublandlord’s failure to comply with or to perform Sublandlord’s obligations under this Sublease or the obligations of the “Tenant”
under the Master Lease with respect to the Subleased Premises to the extent those obligations are not assumed by Subtenant under this Sublease, (ii) any act or failure to act by Sublandlord in a manner which would constitute a breach under the
Master Lease by the tenant thereunder to the extent such obligation is not assumed by Subtenant under this Sublease, (iii) any breach of Sublandlord’s representations set forth in Paragraph 25 hereof, (iv) any breach by Sublandlord in
its capacity as tenant under the Master Lease occurring prior to the Commencement Date of this Sublease, and (v) Sublandlord’s tortious conduct. The foregoing shall not apply to any liabilities arising from Subtenant’s willful
misconduct or negligence. 
 D. Survival. The indemnifications set forth in subparagraphs (B) and
(C) above shall survive the expiration or earlier termination of this Sublease. 
 6. Rent and Additional Rent.

 A. Monthly Rent. Subtenant shall pay Sublandlord the monthly rent (“Monthly Rent”) for the Subleased Premises as
follows: 
  

				
	 Period
	  	Monthly Rent
	 July 1, 2007 – June 30, 2008
	  	$	44,670.00
	 July 1, 2008 – June 30, 2009
	  	$	47,405.00

 Monthly Rent and any additional rent required under this Sublease shall be paid at the times and in the manner as
set forth in the Master Lease to Sublandlord at the following address: Vista Healthplan, Inc., 300 South Park Road, Hollywood, Florida 33021; provided, however, that Subtenant reserves the right, in the event and during the continuation of any
default by Sublandlord in the payment of rent under the Master Lease, to make all payments of its rental obligations hereunder directly to Master Landlord, and if Subtenant makes such payments directly to Master Landlord, then Subtenant shall
concurrently with any payment provide Sublandlord with reasonable evidence thereof. Subtenant shall deliver concurrently with the execution of the Sublease good and negotiable funds representing the Monthly Rent for the first month’s rent.

 The rental rate shall be inclusive of all operating expenses and real estate taxes. However, the rental rate shall be exclusive of
applicable sales tax, which shall be paid by Subtenant to Sublandlord with each payment of Monthly Rent at the then applicable tax rate. Operation of the HVAC system beyond the Building Hours, as defined in Paragraph 26 of this Sublease, shall be
additional rent not included in the base rental rate and shall be charged at a rate of $40.00 per hour of operation and on a proportional basis for each partial hour of operation. 
 Additionally, Subtenant shall be entitled to install an HVAC system or equipment that serves all or a portion of the Subleased Premises exclusively,
provided Subtenant also installs a timer on the system or equipment to permit Landlord’s measurement of Subtenant’s utilization of 

 
the same as Landlord may require. Subtenant shall reimburse to Sublandlord all power consumed by the same on an as-billed basis within thirty (30) days of
receipt of written invoice, such billing to be based upon the following formula: Hours of use X wattage for the equipment/1000 X Sublandlord’s per kilowatt power cost. 
 B. Payments of Additional Rent. Sublandlord agrees that Subtenant shall not be responsible for the cost of replacing any
such heating, ventilating and air conditioning system, except to the extent replacement is required as a result of the negligent acts or willful misconduct of Subtenant or its agents, employees or contractors. Notwithstanding any provision in this
Sublease or in the Master Lease to the contrary, in no event shall Subtenant be responsible for any capital expenditures resulting from any future change in any law, rule, regulation or ordinance affecting the Subleased Premises and/or the Building.

 C. Tenant Improvements. Within sixty (60) days of the date of execution of this Sublease, Sublandlord and
Subtenant shall agree to plans and specifications for tenant improvements to be made to the Subleased Premises. Sublandlord shall not unreasonably withhold, condition or delay its consent to any plans and specifications proposed by Subtenant. A copy
of the agreed plans and specifications shall be attached hereto as Exhibit B and submitted to the Master Landlord for approval. Upon receipt of said approval, Subtenant shall improve the Subleased Premises in accordance with such plans and
specifications, and Sublandlord shall reimburse to Subtenant within thirty (30) days following its receipt of Subtenant’s paid invoice for the same and final releases of lien from Subtenant’s contractor, subcontractors and suppliers the
lesser of Subtenant’s actual cost for the agreed improvements or to $8 per RSF as Sublandlord’s contribution to the improvements. 
 7. Insurance. Subtenant shall maintain insurance in the amounts and against such risks as are set forth in Paragraph 35 of the Master Lease during the Term of this Sublease, its extension or renewal thereof. During the term of
the Sublease, Subtenant shall provide Sublandlord with such documentation and certification as Sublandlord may reasonably require from time to time to confirm that subtenant’s insurance coverage remains in effect. The waiver of claims and
waiver of subrogation set forth in Paragraph 35 of the Master Lease shall be mutual as between Sublandlord and Subtenant. Subtenant shall have the right to satisfy its insurance requirements under a blanket policy or policies of insurance.

 8. Improvements to the Subleased Premises. Subtenant shall be allowed to only make alterations, additions or nonstructural
improvements (hereinafter referred to as “Alterations”) to the Subleased Premises, subject to its first obtaining the prior written consent of both (i) Master Landlord in accordance with Paragraph 23 of the Master Lease, and (ii)
Sublandlord, which consent by Sublandlord shall not be unreasonably withheld, conditioned or delayed. All Alterations by Subtenant shall be performed in accordance with the terms and conditions of the Master Lease at Subtenant’s sole cost and
expense (except as provided in Section 6 above) and shall be made in a good and workmanlike manner, lien free and in accordance with all applicable laws and regulations. All Alterations by Subtenant shall be conducted in such a manner as to minimize
any disruption to the business of Sublandlord or any other tenants in the Building. Subtenant will indemnify, hold harmless and defend Sublandlord, its officers, employees, and agents (with counsel reasonably acceptable to Sublandlord) against all
claims, judgments, damages, penalties, fines, costs, fees, losses, liabilities and expenses (including, without limitation, the reasonable fees and out-of-pocket expenses of consultants, attorneys, and experts) arising out of or in connection with
the removal of any such Alterations or any violation of the foregoing provisions of this paragraph or any violation of the Master Lease in connection with any Alterations. 

 9. Use. Notwithstanding any provision of the Master Lease to the contrary, subject to the
consent of Master Landlord, Subtenant and any permitted sublessee or assignee of Subtenant may use the Subleased Premises for general office purposes and related lawful uses. The Subleased Premises shall not be used for medical or governmental
purposes. 
 10. Right of Entry. Master Landlord’s right of entry as set forth in the Master Lease shall inure to the
benefit of both Master Landlord and Sublandlord, provided, however, that in no event shall either Master Landlord or Sublandlord enter the Subleased Premises without providing Subtenant with reasonable prior notice of such entry, except in the case
of an emergency, in which case Master Landlord and Sublandlord shall make all reasonable efforts to protect the confidentiality of information within the Subleased Premises. Neither the entry by either Master Landlord or Sublandlord shall disrupt or
interrupt the normal business operation of Subtenant. 
 11. Casualty and Condemnation. Notwithstanding any provision in this
Sublease, or in the Master Lease, to the contrary, Sublandlord shall have no liability for Master Landlord’s obligations under Paragraphs 17 and 18 of the Master Lease or any other provision of the Master Lease to repair or restore the
Subleased Premises or any part thereof in the event of damage by fire or other casualty or in the event of a condemnation, in whole or in part, of the Subleased Premises or the Building. To the extent Sublandlord shall be entitled to any abatement
of any rent with respect to any portion of the Subleased Premises under the Master Lease, Subtenant shall have a corresponding abatement, and to the extent that Sublandlord has the right to terminate the Master Lease pursuant to said Paragraphs,
Subtenant shall have a corresponding right to terminate this Sublease. In no case shall Sublandlord exercise any right to terminate the Master Lease without Master Landlord signing a non-disturbance agreement with Subtenant which shall recognize
Subtenant’s rights under the Sublease. Any notices to be provided by Subtenant pursuant to the Master Lease shall be provided to both Sublandlord and Master Landlord. Any notices received by Sublandlord pursuant to the Master Lease relating to
the Subleased Premises or which would materially affect the rights of Subtenant shall be promptly provided to Subtenant. If Master Landlord defaults in any of its obligations with respect to the Subleased Premises under the Master Lease, and
Sublandlord fails to diligently enforce its rights against the Master Landlord thereunder, then subject to the terms of Subtenant’s indemnification obligations set forth herein, Subtenant shall have the same rights which would have been
exercisable by Sublandlord under the Master Lease with respect to the Subleased Premises, to pursue a claim, action, proceeding or arbitration for injunction, damages, or other remedy against Master Landlord. 
 12. Notices. Notices shall be given to the parties in accordance with Paragraph 30 of the Master Lease or the provisions hereof, to the
parties at the following addresses: 
  

			
	If to Sublandlord, to:	  	 Vista Healthplan, Inc.
 1340 Concord
Terrace
 Sunrise, FL 33323
 Fax: (954)
858-3500

		
	and a copy to:	  	 General Counsel
 Vista Healthplan, Inc.
 1340 Concord Terrace
 Sunrise, FL 33323
 Fax:
                            

			
	If to Subtenant, to:	  	 Rewards Network Services Inc.
 2 North Riverside
Plaza
 Suite 950
 Chicago, IL 60606
 Attn: Laura Lazarczyk
 Fax: (312) 521-6768

		
	and a copy to:	  	 Gardner Carton & Douglas LLP
 191 North Wacker
Drive
 Suite 3700
 Chicago, IL 60606
 Attn: Thomas Buranosky
 Fax: (312) 569-3237

 13. Brokers. The parties warrant to each other that they have not directly or
indirectly dealt with any brokers concerning this Sublease other than Banks deOlazarra Properties Group, Inc., agent for Sublandlord, and Newmark Knight Frank, agent for Subtenant. Sublandlord agrees to be responsible for payment of any sums due the
parties’ respective agents named above. Each party agrees to defend, indemnify and hold the other and their officers, employees and agents (with counsel reasonably acceptable to the indemnified party) harmless from and against all other claims
judgments, damages, penalties, fines, costs, fees, liabilities, losses and expenses (including, without limitation, the reasonable fees and out-of-pocket expenses of consultants, attorneys and experts) in connection with commissions relating to the
execution and delivery of this Sublease (or out of negotiations between Sublandlord and Subtenant in respect to leasing of the Subleased Premises), which arise directly out of the indemnifying party’s breach of the provisions of this paragraph.

 14. Assignment and Subletting. Subtenant shall not, without the prior written consent of the Sublandlord transfer, assign or
sublet all or any portion of its interest under this Sublease, to any entity; provided, however, Subtenant may, without such consent, assign or sublet to any wholly-owned affiliate of Subtenant or Subtenant’s parent company which controls, is
controlled by or is under common control with the Subtenant, or to any entity resulting from the merger or consolidation with Subtenant, or to any person or entity which acquires all the assets of Subtenant as a going concern. Sublandlord shall not
unreasonably withhold, condition or delay its consent to any assignment or subletting. 
 15. Environmental Matters.
Notwithstanding any provision in this Sublease, or in the Master Lease, to the contrary, Subtenant shall not be responsible to Sublandlord or to Master Landlord for any toxic contamination on, at, or about the Subleased Premises, unless such
toxic contamination was directly caused by Subtenant’s construction of the Alterations or by any other activity of Subtenant, its agents, employees, invitees, subtenants or contractors on the Subleased Premises or at the Building. 

16. Parking. Parking shall be available to Subtenant, its employees and invitees on a basis of four spaces per one thousand square feet
of leased space. Parking is unassigned, unreserved, and uncovered. 
 17. Default of Subtenant. 
 A. Subtenant’s Default. The occurrence of any one or more of the following shall constitute a default hereunder by
Subtenant: 

 (i) failure to pay Monthly Base Rent or any Additional Rent when due, if the failure continues for five
(5) business days after written notice of non-payment has been received by Subtenant from Sublandlord; 
 (ii) failure to perform any
other provision of the Master Lease or this Sublease, if such failure to perform is not cured within thirty (30) business days after written notice has been received by Subtenant from Sublandlord, provided that, if the failure cannot reasonably
be cured within such thirty (30) business day period, Subtenant shall not be in default of this Lease if Subtenant commences to cure the failure within the thirty (30) business day period and diligently and in good faith continues to
prosecute such cure to completion; or 
 (iii) If any proceeding shall be instituted by or against Subtenant under the bankruptcy laws or
other debtor relief laws of the United States or any state, or if Subtenant shall make an assignment for the benefit of creditors, or if Subtenant’s interest herein shall be sold under execution or other legal process, or if a trustee in
bankruptcy or a receiver is appointed for Subtenant. 
 Subtenant shall not be deemed to be in default under this Sublease by virtue of any
default of Sublandlord under the Master Lease unless such default of Sublandlord was caused in whole or in part by the default of Subtenant under this Sublease. 
 B. Sublandlord’s Remedies. In the event of any default of Subtenant under this Sublease, Sublandlord may exercise all
of the rights and remedies of “Master Landlord” under Paragraph 14 of the Master Lease, as well as enforcing Subtenant’s indemnification obligations under Paragraph 6 hereof. In addition to Sublandlord’s rights of self-help set
forth elsewhere in this Sublease, if any, if Subtenant at any time fails to perform any of its non-monetary obligations under this Sublease within the applicable cure period following written notice from Sublandlord to Subtenant, then Sublandlord
shall have the right, but not the obligation, upon giving Subtenant at lease five (5) additional business days’ prior written notice of its election to do so (in the event of any emergency no prior notice shall be required), to perform
such obligations on behalf of and for the account of Subtenant and to take all such reasonable action to perform such obligations. In such event, Sublandlord’s reasonable and documented costs and expenses incurred therein shall be paid for by
Subtenant within thirty (30) days of receipt of written invoice and documentation from Sublandlord, with interest thereon at ten percent (10%) per annum from the date due until the date of payment. The performance by Sublandlord of any
obligation shall not constitute a release or waiver of Subtenant therefrom. Subtenant hereby waives any claim and releases Sublandlord and Sublandlord’s agents, contractors and employees from all liability for damage occasioned by any action
taken pursuant to this Paragraph, except to the extent resulting from the negligence or willful misconduct of Sublandlord, its agents, employees or contractors. 
 18. Sublandlord Default under Sublease and Master Lease. Sublandlord shall not be deemed to be in default under this Sublease by virtue of any default of Sublandlord under the Master Lease, which default
of Sublandlord was caused wholly or in part by the default of Subtenant under this Sublease. In the event of any default of Sublandlord under this Sublease or under the Master Lease, Subtenant may exercise all of the rights and remedies available to
it at law or in equity, as well as enforcing Sublandlord’s indemnification obligations under Paragraph 5 hereof. 
 19. Quiet
Enjoyment. Sublandlord covenants that Subtenant, on paying the rent and performing the covenants set forth in this Sublease and the Master Lease with respect to the Subleased Premises, shall peaceably and quietly hold and enjoy throughout
the Sublease Term, the Subleased 

 
Premises and such rights as the Subtenant may hold with respect to the remainder of the Building in accordance with and pursuant to the terms of this
Sublease without hindrance or molestation by Sublandlord or anyone for whose acts Sublandlord is responsible. Notwithstanding the foregoing, construction activities of the Sublandlord in portions of the Master Premises which are not part of the
Subleased Premises in conjunction with any sublease of the Building by Sublandlord, if any, which occurs after the Commencement Date, will not constitute a breach of this Paragraph, so long as Sublandlord uses commercially reasonable efforts to
minimize the adverse impact of such activities to prevent disruption and/or interruption to Subtenant’s business activity. 
 20.
Notices from Master Landlord. Promptly upon its receipt of same, Sublandlord shall deliver to Subtenant copies of all notices and/or communications regarding the Master Lease, Subtenant, this Sublease or Subtenant’s occupancy of the
Subleased Premises, which Sublandlord receives from Master Landlord. Promptly upon its receipt of same, Subtenant shall deliver to Sublandlord copies of all notices and/or communications regarding the Master Lease, Sublandlord, this Sublease or
Sublandlord’s occupancy of the balance of the Master Premises, which Subtenant receives from Master Landlord. 
 21.
Authority. Subtenant and Sublandlord (subject to obtaining Master Landlord’s consent) each hereby represent and warrant to the other that it has the full right, power and authority to enter into this Sublease upon the terms and
conditions set forth herein and that the person or persons or representatives executing this Sublease on its behalf is or are authorized to do so. 
 22. Financial Information. Notwithstanding any provision in the Master Lease or this Sublease to the contrary, in the event that Subtenant is ever obligated to provide Sublandlord or Master Landlord with financial information
about its operations, Subtenant’s delivery of Rewards Network Inc.’s most recent publicly disclosed financial statements and/or annual report shall satisfy Subtenant’s obligation. 
 23. Sublease Contingencies. The parties acknowledge that this Sublease is subject to, and contingent upon (i) the receipt by
Sublandlord and Subtenant of the accepted and executed Consent to Sublease of Master Landlord; and (ii) Subtenant securing a lease with Master Landlord for the Subleased Premises for a term of four years commencing upon the expiration of the
Sublease Term. Sublandlord shall concurrently with its execution of this sublease provide Subtenant with the Consent to Sublease required by subparagraph (i) above. 
 Subtenant shall have ten (10) business days from the date of execution of this Sublease by both parties to provide Sublandlord written documentation that the requirements of subparagraph (ii) above have been
satisfied. In the event that Subtenant fails to do so, this Sublease shall be null and void. 
 24. Costs. Sublandlord and
Subtenant shall each pay their respective costs and expenses incurred with regard to the negotiation, drafting and execution of this Sublease and the related documents. 
 25. Sublandlord Representations/Sublandlord Indemnification. Sublandlord represents to Subtenant that, as of the Delivery Date, (i) the Master Lease, as delivered to Subtenant, is a true, complete
and correct copy of the Master Lease, and there are not other agreements which modify its terms, (ii) the Master Lease is in full force and effect, and that there exists under the Master Lease no default or event of default by either Master
Landlord or Sublandlord, nor, to the best of Sublandlord’s knowledge, has there occurred any event of default which, with the giving of notice or the passage of time or both, could constitute such a default or event of default,
(iii) Sublandlord has not received any notification from municipal, state or federal authorities pertaining to all or any portion of the Subleased 

 
Premises or its occupancy thereof that requires any alteration, maintenance or restoration of all or any part of the Subleased Premises, and (iv) to the
best of Sublandlord’s knowledge, neither Master Landlord nor Sublandlord has failed to repair or maintain any portion or component of the Building or the Premises as required under the Master Lease. 
 26. Access, Security, & Hours of Operation. The Building Hours are the normal hours of operation for the Subleased Premises and
shall be Monday through Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. The Subtenant shall have access to the building twenty-four hours per day, seven days per week, fifty-two weeks per year, during the term of this Sublease.
Access during times other than the Building Hours shall be by way of a programmable security card system, which has been installed in the Building. 
 27. Miscellaneous. 
 A. Time of Essence. Time is of the essence of each provision of
this Sublease. 
 B. Consent of Parties. Whenever consent or approval of either party is required, regardless of
any reference to the words “sole” or “absolute”, such consent shall not be unreasonably withheld or delayed. Whenever this Sublease grants Sublandlord or Subtenant the right to take action, exercise discretion, establish rules
and regulations or make allocations or other determinations, Sublandlord and Subtenant shall act reasonably and in good faith and take no action which might result in the frustration of the other party’s reasonable expectations concerning the
benefits to be enjoyed under the Sublease. 
 C. Authority. If either party is a corporation, partnership or
other entity, each individual executing this Sublease on behalf of such entity represents and warrants that he/she is duly authorized to execute and deliver this Lease on behalf of such entity, and that this Lease is binding upon such entity in
accordance with its terms. 
 D. Successors. Except as otherwise provided in this Sublease, this Sublease shall
be binding upon and inure to the benefit of the parties and their respective heirs, personal representatives, successors and assigns. 
 E. Exhibits. All exhibits referred to are attached to this Sublease and incorporated by reference. 
 F. Interpretation of Lease. This Sublease shall be construed and interpreted in accordance with the laws of the state of Florida. The provisions of this Sublease shall be construed in accordance with the
fair meaning of the language used and shall not be strictly construed against either party. 
 G. Integrated Agreement;
Modification. This Sublease contains all the agreements of the parties and is intended by the parties to be a final, complete and exclusive statement of their entire agreement with respect to the subject matter of this Sublease. This
Sublease supersedes any and all prior and contemporaneous agreements and understandings of any kind relating to the subject matter of this Sublease. There are no other agreements, understandings, representations, warranties, or statements, either
oral or in written form, concerning the subject matter of this Sublease. No alteration, modification, amendment or interpretation of this Lease shall be binding on the parties unless contained in a writing, which is signed by both parties.

 H. Severability. The unenforceability, invalidity or illegality of any
provision shall not render the other provisions unenforceable, invalid or illegal and all remaining provisions of this Sublease shall remain in full force and effect to the maximum extent permitted by law. 
 I. Professional Fees and Costs. If either Sublandlord or Subtenant should bring suit against the other with respect to this
Sublease, then all costs and expenses, including without limitation, reasonable professional fees and costs such as appraisers’, accountants’ and attorneys’ fees and costs, incurred by the party which prevails in such action, whether
by final judgment or out of court settlement, shall be paid by the other party, which obligation on the part of the other party shall be deemed to have accrued on the date of the commencement of such action and shall be enforceable whether or not
the action is prosecuted to judgment or appeal. As used herein, attorneys’ fees and costs shall include, without limitation, reasonable attorneys’ fees, costs and expenses incurred in connection with any (i) postjudgment motions;
(ii) contempt proceedings; (iii) garnishment, levy, and debtor and third party examination; (iv) discovery; (v) bankruptcy litigation; and (vi) costs of appeal. 
 J. Terms and Headings. The words “Sublandlord” and “Subtenant” as used herein shall include the plural
as well as the singular. Words used in any gender include other genders. The paragraph headings of this Lease are not a part of this Sublease and shall have no effect upon the construction or interpretation of any part hereof. 
 K. Recording. Provided Master Landlord consents in accordance with the terms of the Master Lease, Subtenant may record a
short form memorandum of this Sublease upon written notice to Sublandlord and Master Landlord. 
 L. Sublandlord’s
Covenants. Sublandlord covenants, as a material part of the consideration for this Sublease, to keep and perform each and all of said terms, covenants and conditions for which Sublandlord is liable and that this Sublease is made upon the
condition of such performance. 
 M. Late Charges. If any payment is not
received by Sublandlord by 12:00 midnight on the 7th calendar day following the day on which the payment is due, a
late fee shall be due and payable by Subtenant to Sublandlord as additional rent equal to five percent (5%) of the delinquent payment. 
 N. Waiver. The failure of Subtenant to seek redress for violation of, or to insist upon the strict performance of, any term, covenant or condition of the Lease shall not be deemed a waiver of such
violation or prevent a subsequent act which would have originally constituted a violation from having all the force and effect of the original violation, nor shall any custom or practice which may become established between the parties in the
administration of the terms hereof be deemed a waiver of, or in any way affect, the right of Subtenant to insist upon the performance by Sublandlord of its obligations in strict accordance with said terms. Any payment of rents or other sums
hereunder by Subtenant shall not be deemed a waiver of any preceding breach by Sublandlord of any term, covenant or condition of this Sublease, regardless of Subtenant’s knowledge of such preceding breach at the time of payment of such rent or
other sums. Further, Subtenant does not waive any claim against Sublandlord arising from any intentional misconduct or negligence by Sublandlord resulting in any loss to Subtenant except to the extent that such loss is to property (rather than
injury to persons) and Subtenant is fully compensated for such loss by insurance proceeds. To the extent Subtenant is waiving its subrogation rights or is required to obtain waivers of subrogation rights with respect to its insurance policies, any
such waiver by Subtenant is expressly conditioned on such waiver not 

 
invalidating Subtenant’s insurance policies and the availability of waivers of subrogation rights under such insurance policies. 
 O. Arbitration. In the event of any dispute between Sublandlord and Subtenant other than with respect to any alleged
monetary default by Subtenant in the payment of Monthly Rent, such dispute shall be resolved through binding arbitration Any such arbitration shall be held and conducted, within thirty (30) days after the selection of an arbitrator. In the
event that the parties are unable to agree to an arbitrator within ten (10) business days following either party’s demand for arbitration, either party may petition the court for appointment of one or more arbitrators pursuant to
Section 682.04, Florida Statutes or its successor statute. The provisions of the Commercial Arbitration Rules of the American Arbitration Association shall apply and govern such arbitration, subject, however, to the following: 
 (i) Any demand for arbitration shall be in writing and must be made and served within a reasonable time after the claim, dispute or other matter in
questions has arisen and in no event shall the demand for arbitration be made after the date that institution of legal or equitable proceedings based on such claim, dispute, or other matter would be barred by the applicable statute of limitations.

 (ii) All proceedings involving the parties shall be reported by a certified shorthand court reporter and written transcripts of the
proceedings shall be prepared and made available to the parties. A party can require the arbitrator to make specific rulings on specific items or questions of fact. The arbitrator shall be bound by the provisions of this Sublease, and shall not add
to, subtract from or otherwise modify such provisions. Final decision by the arbitrator must be provided to the parties within thirty (30) days from the date on which the matter is submitted to the arbitrator. 
 (iii) The prevailing party (as defined below) shall be awarded reasonable attorneys’ fees, expert and nonexpert witness costs and expenses (including
without limitation the fees and costs of the court reporter described in Subparagraph (b) above), and other costs and expenses incurred in connection with the arbitration, unless the arbitrator for good cause determines otherwise. As used
herein, the term “prevailing party” shall mean the party, if any that the arbitrator determines is “clearly the prevailing party.” Costs and fees of the arbitrator shall be borne by the nonprevailing party, unless the arbitrator
for good cause determines otherwise. If there is no prevailing party, the parties shall bear their own fees and costs and split the fees and costs of the arbitrator and court reporter. 
 (iv) The award or decision of the arbitrator, which may include equitable relief, shall be final and judgment may be entered on it in accordance with
applicable law in any court having jurisdiction over the matter. The provisions of this Section are not intended to alter the applicable provisions of law, which provide the grounds on which a court may vacate an arbitration award. 
 28. Security Deposit. No security deposit shall be required of Subtenant. 
 29. Conflict of Terms. In the event of a conflict of terms between the Master Lease and this Sublease, the terms of this Sublease shall
prevail. 
 [Signatures appear on the following page.] 

 IN WITNESS WHEREOF, Sublandlord and Subtenant have executed this Sublease or have caused this
Sublease to be executed by their designated representatives as of the date first above written. 
  

					
	Sublandlord:	    	Vista Healthplan, Inc., a Florida corporation
			
		    		 	
		    	By:	 	 /s/ Linda Evans

		    	Name:	 	 Linda Evans

		    	Title:	 	 VP Corporate Services

		    		 	
		
	Subtenant:	    	Rewards Network Services Inc., a Delaware corporation
			
		    		 	
		    	By:	 	 /s/ Ronald L. Blake

		    	Name:	 	 Ronald L. Blake

		    	Title:	 	 President and Chief Executive Officer

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