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                                                                   EXHIBIT 10.25

                                    AGREEMENT

            THIS AGREEMENT is entered as of this 1st day of September, 2003 by
and between Fortis Insurance Company and its affiliates Fortis Benefits
Insurance Company and John Alden Life Insurance Company ("Insurer"), whose
primary office is located at 501 West Michigan Street, Milwaukee, Wisconsin,
53203 ("Insurer") and National Administration Company ("NAC"), a Missouri
corporation, whose office is located at 1819 Clarkson Road, Suite 301,
Chesterfield, Missouri, 63017.

            WHEREAS, Insurer is engaged in the business of marketing insurance
products and has agents and employees at its disposal who commonly come into
contact with members of the public; and

            WHEREAS, the purpose of NAC is to act as Administrator for Health
Advocates Alliance, a Missouri domiciled non-profit corporation, whose executive
offices are located at 1918 Montana Drive, Springfield, Illinois, 62704, ("the
Association") and to provide informational, educational and other benefits and
services to Association members, and to help members take advantage of the mass
purchasing power and other benefit enhancements through health awareness; and

            WHEREAS, NAC desires to utilize the services of Insurer, its agents
and employees to procure new members for the Association and to collect required
fees and dues therefrom; and

            WHEREAS, Insurer desires to have access to and to utilize the
membership roster of the Association for the purpose of offering certain
Insurance products and/or services to members of the Association.

            NOW, THEREFORE, in consideration of the mutual promises contained
herein, the sufficiency of which are hereby acknowledged, the parties hereto
agree as follows:

I.    Authorization of Insurer

      NAC hereby authorizes Insurer, and Insurer hereby agrees to accept
      authorization from the Association, to offer products and services to new
      and existing members of the Association and to collect and remit, or
      provide for the collection and remittance of, fees and dues owing by such
      members to the Association through NAC.

II.   Duties of Insurer

      Insurer agrees to perform the following functions under this Agreement:

      A.    To use commercially reasonable efforts to offer its products and
            services to members of the Association;

      B.    To collect all membership fees, administrative fees, and dues, then
            in effect, for Association membership, including any renewal fees or
            dues from persons who enroll and continue to be members of
            Association, and to remit or cause to be
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            remitted all membership fees and dues to on a monthly basis. The
            membership fee for Association memberships solicited through Insurer
            shall be collected by the Insurer. In consideration for soliciting
            membership in the Association through its distribution network,
            billing and collecting membership fees and dues and providing
            marketing materials describing the benefits of Association
            membership, Insurer may retain a portion of the Association fee as
            identified in Exhibit A attached hereto. This amount may be
            collected monthly, quarterly, semi-annually or annually.

      C.    To forward or cause to be forwarded to the NAC, on a monthly basis,
            a list of all membership applications taken by Insurer, along with a
            separate listing of such members showing names, addresses, effective
            coverage dates and any cancellations, accompanied by applicable fees
            and dues, as stated in paragraph B above.

      D.    To refer to the NAC all member communication which it may receive
            from Association members, other than inquiries as to any insurance
            products offered through Insurer to members of Association.

      E.    To be responsible for the preparation, printing and costs of all
            marketing material to be utilized by Insurer in its efforts to
            secure additional members for Association; provided, further, that
            such marketing materials may not be used by Insurer without the
            prior review and written approval of the Association.

III.  Duties of the NAC

      NAC agrees to perform and be responsible for the cost of providing the
      following functions under this Agreement:

      A.    To provide for all administration of Association, including the
            obtaining of services or benefits to be automatically provided to
            all members, and to make payment to providers of such services or
            benefits, including those services listed on the attached Exhibit A,
            which may be modified from time to time by written agreement of the
            parties.

      B.    To print membership newsletter, kits and cards.

      C.    To provide Insurer access to Association's membership roster as
            required by Insurer for purposes of marketing insurance products
            and/or services to such members, provided that each insurance
            product or service shall have the prior written approval of NAC
            before Insurer may solicit Association members for any such
            insurance product or service, which approval shall not be
            unreasonably withheld.

      D.    To receive and administer all member inquiries concerning membership
            status and benefits and to furnish a toll free telephone number for
            members to use in such regard, except that the NAC shall refer to
            Insurer any inquiries relative to any insurance products offered
            through Insurer to Association members.
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      E.    To reasonably cooperate with Insurer with respect to insurance
            matters concerning Association members who are covered by, or may
            purchase coverage from, Insurer; provided, however, that applying
            for or obtaining any insurance products offered through Insurer
            shall not be a requirement for membership in Association.
            Termination or cancellation of any insurance product offered through
            Insurer shall have no effect on any person's membership in
            Association.

      F.    NAC shall be responsible for all services required by Association
            members that do not select a product or service from Insurer,
            including, but not limited to, the following: (i) generating and
            mailing dues notices; (ii) receiving and depositing dues; (iii)
            making disbursements to various service and benefit providers; and
            (iv) establishing and maintaining a database of these members.

      G.    NAC shall not offer any insurance products to its members other than
            those underwritten by Insurer or any insurance provider designated
            by Insurer.

IV.   Indemnification

      Insurer agrees to indemnify, and hold NAC harmless from, any loss or
      damage award, cost or expense, including reasonable attorney's fees and
      court or governmental agency costs which NAC may incur or be required to
      pay as a result of any action concerning the performance or
      non-performance of Insurer regarding the duties of the Insurer as
      specified in Article II of this Agreement.

      NAC agrees to indemnify, and hold Insurer harmless from, any loss or
      damage award, cost or expense, including reasonable attorney's fees and
      court or governmental agency costs which Insurer may incur or be required
      to pay as a result of any action concerning the performance or
      non-performance of NAC or the Association regarding the duties of NAC as
      specified in Article III of this Agreement.

V.    Confidentiality

      The parties to this Agreement acknowledge that the Association's
      membership list is the sole property and a trade secret of Association,
      and that Insurer's list of covered persons is the sole property and a
      trade secret of Insurer, and that each shall hold the other's list in
      strictest confidence to the extent such lists include members of
      Association who are also insured through Insurer. Subject to the provision
      of Article VII herein, neither Insurer nor NAC shall be authorized to
      utilize the other's list for any purpose whatsoever, other than as stated
      in this Agreement, nor to divulge to any third party the nature and
      provisions of this Agreement, other than as may be required by law, court
      order or regulatory authorities. This confidentiality requirement shall
      survive the expiration or termination of this Agreement. Additionally, to
      the extent such lists overlap on the date of such expiration or
      termination, NAC agrees not to divulge to any insurance marketing entity
      the identity of such members nor the nature and provision of this
      Agreement for a period of three (3) years from the date of such
      termination or cancellation. NAC further agrees to execute such documents
      as may be necessary in order for Insurer to be in compliance with federal
      and state privacy laws, including, but not limited to, the Health
      Insurance

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      Portability and Accountability Act and the Gramm-Leach-Bliley Act,
      including but not limited to, Insurer's Business Associate Agreement in
      the form attached as Exhibit B.

VI.   Exclusivity

      During the term of this Agreement and any extension thereof, and, prior to
      any termination of the Agreement, NAC agrees that: (a) Insurer shall be
      the sole insurance organization with which the NAC shall contract for
      purposes of soliciting prospective members for the Association and for
      marketing insurance products; and (b) Insurer shall be the sole insurance
      marketing organization which NAC shall allow to have access to
      Association's membership list. Nothing herein shall restrict the NAC from
      contracting with any non-insurance marketing organization for purpose of
      procuring new members for Association.

VII.  Term

      The initial term of this Agreement shall be a period of three (3) years
      commencing effective September 1, 2003 which term shall be automatically
      extended for an additional term of two (2) years, unless, one hundred
      twenty (120) days prior to the expiration of the initial three (3) year
      term, Insurer has given NAC or NAC has given Insurer, specific written
      notice of intent to terminate this Agreement. Any subsequent extension of
      this Agreement shall automatically be extended for an additional one (1)
      year term, unless one hundred twenty (120) days prior to the expiration of
      any subsequent one (1) year term, insurer provides NAC, or NAC provides
      Insurer, written notice of the intent to terminate this Agreement at the
      conclusion of such subsequent one (1) year term.

VIII. Termination

      A.    Either party may terminate this Agreement without cause upon six
            months advance written notice to the other party.

      B.    If either party defaults in fulfilling any of its obligations under
            this Agreement, the other party may serve a written fifteen (15) day
            notice upon the defaulting party, specifying the nature of said
            default, and, upon the expiration of said fifteen (15) days, if the
            defaulting party shall have failed to comply with the Agreement, or
            remedy such default, or if the said default or omission complained
            of shall be of a nature that cannot be completely cured or remedied
            in said fifteen (15) day period, then this Agreement, and terms
            hereunder, shall terminate and expire.

      C.    Either party may terminate any part of its obligations and duties
            under this Agreement immediately, upon receipt of a request or
            direction to terminate such activity, or of an allegation that such
            activity is unlawful, whether oral or written from authorized
            representatives of governmental agencies responsible for the
            regulation of Insurer, NAC or the Association, either formal or
            informal, concerning activities engaged in, pursuant to this
            Agreement. If either party shall desire to terminate any part of its
            obligations and duties under this Agreement, pursuant to the
            provisions of this paragraph B, such party shall send fifteen (15)
            days written notice of the same to the other party.
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      D.    Subsequent to the termination of this Agreement, Insurer will have
            no obligation whatsoever to continue to cause to be collected or
            remitted to NAC, membership fees and dues, as provided in Article II
            hereof, of those members of the Association who are no longer
            insured by Insurer.

IX.   Sole Agreement

      This Agreement embodies the entire agreement and understanding between the
      parties. There are no promises, terms, conditions, or obligations other
      than those contained herein, and this agreement shall supersede all
      previous communications, representations, or agreements, either verbal or
      written, between the parties hereto.

X.    Offset

      if, at any time, NAC is in possession of funds due the Insurer, and, at
      the same time the Insurer is in possession of funds due the Association,
      then the parties may offset amounts owed them from the funds by them owing
      to the other party.

XI.   Assignment

      Under no circumstances shall this Agreement, or any of the rights,
      responsibilities, or duties enumerated hereunder be assignable by either
      party without the prior written consent of the other party. The request
      for such written consent shall not be unreasonably withheld. NAC shall
      indemnify and hold harmless Insurer from any action brought by NAC or
      Association members against Insurer which concern matters arising out of
      the contractual relationship between NAC and Association.

XII.  Modification

      This Agreement may not be modified, altered or amended in any manner,
      except by an agreement in writing duly executed by the parties hereto, or
      as may be required by any law, regulation or governmental agency in order
      to be in compliance with law.

XIII. Severability

      Should any portion of this Agreement be void or invalid, the remaining
      portion of this Agreement shall be of full force and effect, as if the
      void or invalid portion was severable and not a part of this Agreement.

XIV.  Notices

      Any notices to be given hereunder by one party to the other may be
      effected either by personal delivery, in writing or by mail, registered or
      certified, postage pre-paid, with return receipt requested. Mailed notices
      shall be addressed to the parties at the addresses appearing in the
      introductory paragraph of this Agreement, but each party may change its
      address by written notice in accordance with this paragraph. Notices
      delivered personally shall be deemed communicated as of five (5) days
      after mailing.
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XV.   Governing Law

      This Agreement shall be governed and interpreted under the laws of the
      State of Wisconsin. Any legal proceeding to enforce, construe or otherwise
      declare the obligations of either party under this Agreement shall be
      brought in state court in the County of Milwaukee, Wisconsin.

XVI.  Relationship

      Nothing in this Agreement is intended to, nor does it, create the
      relationship of employer and employee, partner of joint venturer between
      Insurer and NAC or Insurer and Association.

XVII. Binding Effect

      This Agreement shall insure to the benefit of, and be binding upon, the
      parties hereto and their respective successors and assigns.

XVIII. No Implied Waiver

      The failure by any party hereto, from time to time, to exercise any right
      or power provided it herein shall not be construed as a waiver of such
      party to exercise such right or power at any subsequent time.

            IN WITNESS WHEREOF, the undersigned parties hereto have duly
executed this Agreement on the date and year first above written.

<TABLE>
<S>                                        <C>
NATIONAL ADMINISTRATION COMPANY            FORTIS INSURANCE COMPANY

By: /s/ Dale D. Turvey                     By: /s/ Scott G. Krienke
    -------------------------------            --------------------------------

Title: President                           Title: Vice President
       ----------------------------               -----------------------------
</TABLE><PAGE>

                                                                    Exhibit 4.10

                            CERTIFICATE OF AMENDMENT
                                       OF
                            CERTIFICATE OF FORMATION
                                       OF
                         SITHE PENNSYLVANIA HOLDINGS LLC

         1.       The name of the limited liability company is Sithe
Pennsylvania Holdings LLC.

         2.       The Certificate of Formation of the limited liability company
is hereby amended as follows:

         The present FIRST paragraph shall be deleted in its entirety and
replaced with the following new FIRST paragraph:

                  "FIRST: The name of the limited liability company (hereinafter
                  called the "limited liability company") is:

                           Reliant Energy Mid-Atlantic Power Holdings, LLC"

         The present SECOND paragraph shall be deleted in its entirety and
replaced with the following new SECOND paragraph:

                 "SECOND: The address of the registered office and the name and
                 the address of the registered agent of the limited liability
                 company required to be maintained by Section 18-104 of the
                 Delaware Limited Liability Company Act are:

                         The Corporation Trust Company
                         1209 Orange Street
                         New Castle County
                         Wilmington, Delaware 19801"

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                  IN WITNESS WHEREOF, the undersigned has executed this
         Certificate of Amendment of Sithe Pennsylvania Holdings LLC this 12th
         day of May, 2000.

                                      Reliant Energy Northeast Generation, Inc.,
                                      as sole member

                                      By: /s/ J. Douglas Divine
                                          ---------------------
                                              J. Douglas Divine
                                              President

<PAGE>

                            CERTIFICATE OF FORMATION

                                       OF

                         SITHE PENNSYLVANIA HOLDINGS LLC

                  The undersigned, an authorized natural person, FOR THE
purposes of forming a limited liability company, under the provisions and
subject to the requirements of the State of Delaware (particularly Chapter 18,
Title 6 of the Delaware Code and THE acts amendatory thereof and supplemental
thereto, and known, identified, and referred to as the "Delaware Limited
Liability Company Act"), hereby certifies that:

                  FIRST: The name of the limited liability company (hereinafter
called the "limited liability company") is:

                         SITHE PENNSYLVANIA HOLDINGS LLC

                  SECOND: The address of the registered office and the name and
the address of the registered agent of the limited liability company required to
be maintained by Section 18.104 of the Delaware Limited Liability Company Act
are:

                           The Corporation Trust Company
                           Corporation Trust Center
                           1209 Orange Street
                           Wilmington, New Castle County, Delaware 19801

Executed on December 28, 1998.

                                                  /s/ George Lofaso
                                                  ------------------------------
                                                  George Lofaso
                                                  Authorized Person

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                            CERTIFICATE OF AMENDMENT
                                       OF
                            CERTIFICATE OF FORMATION
                                       OF
                        SITHE PENNSYLVANIA HOLIDINGS LLC

                  1.       The name of the limited liabilIty company is Sithe
                           Pennsylvania Holdings LLC

                  2.       The Certificate of Formation of the limited liability
                           company is hereby amended as follows:

                  The present SECOND paragraph shall be deleted in its entirety
                  and replaced with the following new SECOND paragraph:

                  SECOND: The address of the registered office and the name arid
                  address of the registered agent of the limited liability
                  company required to be maintained by Section 18-104 of the
                  Delaware Limited Liability Company Act are:

                           United Corporate Services, Inc.
                           15 East North Street
                           Dover, Kent County, Delaware 19901

                  IN WITNESS WHEREOF, the undersigned has executed this
Certificate of Amendment of Sithe Pennsylvania Holdings LLC this 31st day of
March, 1999.

                                  Sithe Mid-Atlantic, Inc.,
                                  as sole member

                                  By: /s/ David L. Tohir
                                      ---------------------------
                                      Name: David L. Tohir
                                            ---------------------
                                      Title: President

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