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AMENDED AND RESTATED JOINT VENTURE AGREEMENT
BY AND AMONG

UNITY HEALTH PLANS INSURANCE CORPORATION

BLUE CROSS & BLUE SHIELD UNITED OF WISCONSIN

UNITED WISCONSIN SERVICES, INC.

AND

COMMUNITY HEALTH SYSTEMS, LLC

AMENDED AND RESTATED JOINT VENTURE AGREEMENT

    This AMENDED AND RESTATED JOINT VENTURE AGREEMENT ("Agreement") is made and entered into as of October 25, 1999, to become effective on the Effective
Date (as defined in Section 9.2), by and among Unity Health Plans Insurance Corporation, a stock insurance corporation organized under Chapter 611 of the Wisconsin Statutes ("Unity"),
Blue Cross & Blue Shield United of Wisconsin, a Wisconsin insurance corporation ("Blue Cross"), United Wisconsin Services, Inc., a Wisconsin business corporation ("UWS"), and Community
Health Systems, LLC, a Wisconsin limited liability company ("LLC") (collectively, "Parties").

RECITALS

    1. UWS,
UWS Acquisition Corporation, Blue Cross, HMO-W Incorporated, a Wisconsin business corporation, and HMO of Wisconsin Insurance Corporation (n/k/a
Unity Health Plans Insurance Corporation), a Wisconsin health maintenance organization ("HMOW") entered into that certain Agreement of Merger and Joint Venture dated as of October 11, 1994
("Previous Agreement").

    2. Simultaneous
with Closing under the Previous Agreement, the transactions contemplated in the Amended and Restated Joint Venture Agreement by and among Blue Cross,
UWS, University Health Care, Inc., a corporation organized under Chapter 181 of the Wisconsin Statutes ("UHC"), University Community Clinics, Inc. (then known as Health
Professionals, Inc.), a corporation organized under Chapter 181 of the Wisconsin Statutes ("UCC"), U-CARE HMO, Inc., a Wisconsin health maintenance organization which has
subsequently dissolved, and Health Professionals of Wisconsin, a Wisconsin business corporation ("HPW"), dated as of October 31, 1994 (the "Previous UHC Joint Venture Agreement"), also closed.

    3. Pursuant
to the Previous Agreement and the Previous UHC Joint Venture Agreement, a single joint venture (the "Unity Joint Venture") was created between the relevant
parties to the Previous Agreement and the Previous UHC Joint Venture Agreement.

    4. In
1995, HMOW changed its name to Unity Health Plans Insurance Corporation, which is the operating vehicle of the Unity Joint Venture.

    5. Blue
Cross, UWS, UHC, UCC and HPW entered into that certain Second Amended and Restated Joint Venture Agreement dated as of September 30, 1999 (the "UHC Joint
Venture Agreement") to amend and restate the terms and conditions of the joint venture formed pursuant to the Previous UHC Joint Venture Agreement (the "UHC Joint Venture").

    6. Blue
Cross and UWS desire to maintain their managed care operations in Southern Wisconsin, utilizing the provider relationships Unity and Community Physicians
Network, Inc., a member of LLC, ("CPN") have established in the region.

    7. LLC
represents the rural interests involved in the joint venture.

    8. The
Parties wish to continue to coordinate the design and marketing of Point of Service ("POS"), Health Maintenance Organization ("HMO"), and Third Party
Administration ("TPA") products and programs and such other products and programs as the Parties may from time to time agree.

    9. The
Parties desire, effective upon the Effective Date, to amend and restate the terms and conditions of the joint venture formed under the Previous Agreement, upon
the terms and conditions set forth in this Agreement and in the documents to be executed and performed pursuant to this Agreement, a list of which is attached hereto as Schedule 1
(collectively, "New Joint Venture Documents").

    10. The
Parties believe that the continuation of the Unity Joint Venture with UHC, UCC and HPW is in their best interests.

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    11. The
Parties believe that entering into this Agreement and the New Joint Venture Documents will better enable the Parties to satisfy their respective objectives
outlined above.

    In
consideration of the premises and the mutual promises and covenants hereinafter set forth, and other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the Parties agree as follows:

AGREEMENT

ARTICLE 1—CONTINUATION OF JOINT VENTURE

    1.1.  Joint Venture.  The Parties are entering into a series of related contracts with one another and
with certain third parties in order to produce, market, and administer managed care products which utilize a provider network. The joint venture continued pursuant to this Agreement (the "Joint
Venture") will coordinate the design and marketing of one or more POS and HMO products and programs, all of which may be fully insured or self-funded, a TPA program, and such other
products and programs as the parties may from time to time agree. The Joint Venture became operational when Closing occurred under the Previous Agreement.

    1.2.  Agency Relationship.  This Agreement shall not create any agency relationship between the Parties
other than those specifically enumerated herein and in the other New Joint Venture Documents. The relationships between the Parties are that of independent contractors in a cooperative arrangement. It
is not the intent of the Parties to create, nor should this Agreement be construed to create, a partnership or an employment relationship between the Parties. This Agreement creates no fiduciary
relationship between the Parties except as provided in Section 2.1.F.

    1.3.  Relationship to the UHC Joint Venture.  The transactions contemplated in the Previous UHC Joint
Venture Agreement closed on November 1, 1994, thereby creating the UHC Joint Venture. Accordingly, pursuant to the Previous Agreement and the Previous UHC Joint Venture Agreement, the business
of the Joint Venture and the business of the UHC Joint Venture were combined to create a single joint venture, which is referred to as the "Unity Joint Venture"

ARTICLE 2—GOVERNANCE

    2.1.  Governing Board.  

    The
Unity Joint Venture shall be managed by a governing board ("Governing Board") which shall consist of the members appointed as follows:

    A.
Unless and until the UHC Joint Venture terminates pursuant to Article 7 of the UHC Joint Venture Agreement:

	 

 	 
 	 

 
	 

UWS	 
 	 

Four members
	 

LLC	 
 	 

Four members
	 

UHC	 
 	 

Four members

    B.
On and after the termination of the UHC Joint Venture pursuant to Article 7 of the UHC Joint Venture Agreement:

	 

 	 
 	 

 
	 

UWS	 
 	 

Five members
	 

LLC	 
 	 

Five members

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    C. The
Parties shall cause the Governing Board to meet at least once in each fiscal quarter at the Unity Joint Venture's home office facility or such other place as the
Governing Board may from time to time agree. Any individual member of the Governing Board shall have the power and authority, upon three days written notice, to call a meeting of the Governing Board
to discuss and administer the business of the Unity Joint Venture. Members of the Governing Board may participate in meetings either telephonically or in person. The Unity Joint Venture shall not pay
members of the Governing Board.

    D. A
chair shall preside over each meeting of the Governing Board. The chair shall be a member of the Governing Board and the entities entitled to appoint members shall
each have the power to appoint the chair for a one year term on a rotating basis; provided, however, that the chair of the Governing Board shall not be the then active chief executive officer of
Unity. In addition to the members appointed to the Governing Board as set forth above, each entity that is entitled to appoint members of the Governing Board shall have the right to invite up to two
people (who may differ from meeting to meeting) as non-participating invitees to attend any meeting of the Governing Board and its committees ("Non-Participating Invitees").
The Non-Participating Invitees shall have the right to attend meetings of the Governing Board and of its committees, but shall have no right or authority to participate in any meeting,
including, without limitation, the right to discuss or vote on any matter brought before the Governing Board or any committee, unless the Non-Participating Invitee is a member of such
committee.

    E. Meetings
of the Governing Board and its committees shall be attended only by (i) people who are actually appointed as members of the Governing Board or the
relevant committee (ii) the Non-Participating Invitees; and (iii) any other person invited by the Governing Board or its committees in accordance with the voting requirement
set forth in Section 2.2. Any person invited by the Governing Board or its committees to attend their meetings shall attend only the portion of the meeting for which they were invited, and
shall be excused once the purpose of their attendance has been satisfied; provided, however, that this sentence shall not apply to any Non-Participating Invitee.

    F. Each
Non-Participating Invitee shall be deemed to owe to Unity the same fiduciary duty of loyalty that is owed by the members of the Governing Board. At
the request of any entity that is entitled to
appoint members to the Governing Board, each Non-Participating Invitee shall execute and deliver to Unity and the entity making the request an agreement confirming that the
Non-Participating Invitee owes such duty in a form attached as Exhibit 0. Notwithstanding the fiduciary duties owed by members of the Governing Board and the Non-Participating
Invitees, each member of the Governing Board and each Non-Participating Invitee shall be permitted to disclose (a "Disclosing Person") to his or her employer information concerning or
related to Unity's performance under any contract between Unity and the employer (it being understood and agreed that such information shall not include, without limitation, any information that would
have value to a competitor of Unity or any information that would cause Unity to lose the benefit of the attorney-client privilege in the reasonable judgement of UWS) disclosed at any meeting of the
Governing Board or its committees; provided, however, that the Disclosing Person shall have notified the Governing Board of the intended disclosure in advance. The previous sentence shall not apply
where the employer is a Party to this Agreement; it being understood and agreed by the Parties that members of the Governing Board and Non-Participating Invitees may disclose, subject to
the confidentiality provisions contained in Section 11.3, information concerning Unity to a Party to this Agreement.

    G. Unity
shall provide LLC's administrative manager with written notice of all meetings of the Governing Board and its committees in a manner substantially similar to
the notice provided to the members of the Governing Board or its relevant committees, as the case may be.

    2.2.  Voting Requirement.  Except as set forth herein, the Governing Board may not take any action
without the approval of at least eight of its members (five if the UHC Joint Venture terminates), which shall include at least one member elected by each entity appointing members to the Governing
Board. Without limiting its generality, the previous sentence shall apply to the appointment of the CEO of Unity. Notwithstanding the first sentence of this Section, any eight members of the Governing
Board may remove

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the
CEO of Unity, even if there is not at least one member elected by each entity appointing members to the Governing Board voting for such removal.

    2.3.  Duties of the Governing Board.  

    A.
The Governing Board shall be responsible for the general management of the Joint Venture. Notwithstanding the foregoing, the Underwriters (as defined in Section 0) shall have the
sole authority, without the approval of the Governing Board, to establish rates and arrange reinsurance for the Joint Venture business, consistent with the budget and business plan approved by the
Governing Board.

    B. The
Governing Board shall establish such books, records and accounts for the Joint Venture as it deems reasonably necessary and allow each of the Parties, upon
request, to review such books, records and accounts. The Governing Board shall maintain records of all of its meetings and actions taken in a manner substantially similar to that which a Board of
Directors of a corporation organized under Chapter 180 of the Wisconsin Statutes would maintain.

    2.4.  Committees.  The Governing Board may establish such committees as it may deem necessary or
appropriate; provided, however, that any committee so created must contain at least one member from each of the entities entitled to appoint members to the Governing Board.

    2.5.  Bylaws.  The Governing Board shall continue to be governed by its bylaws as in existence on the
date hereof, including any subsequent changes to such bylaws that may be made in accordance with their terms.

ARTICLE 3—REPRESENTATIONS AND WARRANTIES

    3.1.  LLC.  

    LLC
hereby represents and warrants to the UWS Entities as follows:

    A. LLC
is a Wisconsin limited liability company and is duly organized, validly existing and in good standing under the laws of the State of Wisconsin.

    B. LLC
(a) is duly qualified as a foreign limited liability company and is in good standing under the laws of each jurisdiction where the failure to qualify
would have a material adverse effect upon it; (b) has the requisite power and authority and the legal right to own, pledge and operate its properties, to lease the property it operates under
lease and to conduct its business as now conducted; (c) has all necessary licenses, permits, consents or approvals from or by, and has made all necessary filings with, and has given all
necessary notices to, all governmental authorities having jurisdiction, to the extent required for such ownership, operation and conduct except where the failure to obtain such licenses, permits,
consents or approvals or to make such filings will not have a material adverse effect upon it; (d) is in compliance with its articles of organization and operating agreement and all material
agreements to which it is a party or by which it is bound except where the failure to comply will not have a material adverse effect upon it; (e) is in compliance in all respects with all
applicable provisions of law except where the failure to comply will not have a material adverse effect upon it; and (f) has no subsidiaries.

    C. The
execution, delivery and performance of this Agreement and all documents to be executed and delivered by LLC hereunder, (a) are within its respective
power; (b) have been duly authorized by all necessary or proper action, including the consent of its members, managers, or board of directors, where required; (c) are not in
contravention of any provision of its respective articles of organization or operating agreement; (d) do not violate any law or regulation, or any order or decree of any court or governmental
instrumentality applicable to it; and (e) do not conflict with or result in the breach of, or constitute a default under, any indenture, mortgage, deed of trust, lease, agreement or other
instrument to which it is a party or by which it or any of its property is bound, and the same do not require the consent or approval of any governmental body, agency, authority or other entity other
than those that have been obtained. This Agreement has been duly executed and delivered by LLC and constitutes the legal, valid and binding

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obligation
of it, enforceable against it in accordance with its terms except as such enforceability may be limited by bankruptcy or similar laws affecting the enforceability of creditor's rights
generally and by general principles of equity.

    D. LLC
is not a party to any litigation or administrative proceeding, nor so far as is known by it is any litigation or adverse administrative proceeding or hearing
threatened against any entity which in either case relates to the execution, delivery or performance of this Agreement or the Joint Venture.

    E. No
information, exhibit or report, whether written or oral, furnished by LLC to Blue Cross or UWS in connection with the negotiation or execution of this Agreement
contained any misstatement of a material fact or omitted to state a material fact necessary to make the statements contained therein not misleading as of the date when made.

    3.2.  The UWS Entities.  

    Blue
Cross and UWS (together, the "UWS Entities") hereby represent and warrant to LLC as follows:

    A. Blue
Cross is a corporation duly organized, validly existing and in good standing under the laws of Wisconsin. UWS is a corporation duly organized, validly existing
and in good standing under the laws of Wisconsin.

    B. The
execution, delivery and performance of this Agreement and all documents to be executed and delivered by any of the UWS Entities hereunder (a) is within
its corporate power; (b) has been duly authorized by all necessary or proper corporate action, including the consent of shareholders where required; (c) does not contravene any provision
of its certificate or articles of incorporation or by-laws; (d) does not violate any law or regulation, or any order or decree of any court or governmental instrumentality
applicable to it; and (e) does not conflict with or result in the breach of, or constitute a default under, any indenture, mortgage, deed of trust, lease, agreement or other instrument to which
it is a party or by which it or any of its property is bound, and the same do not require the consent or approval of any governmental body, agency, authority or other entity other than those that have
been obtained. This Agreement has been duly executed and delivered by each of the UWS Entities and constitutes the legal, valid and binding obligation of each of the UWS Entities, enforceable against
it in accordance with its terms except as such enforceability may be limited by bankruptcy or similar laws affecting the enforceability of creditors rights generally.

    C. Each
of the UWS Entities (a) is duly qualified as a foreign corporation and in good standing under the laws of each jurisdiction where the failure to qualify
would have a material adverse effect upon it; (b) has the requisite corporate power and authority and the legal right to own, pledge and operate its properties, to lease the property it
operates under lease and to conduct its business as now conducted; (c) has all necessary licenses, permits, consents or approvals from or by, and has made all necessary filings with, and has
given all necessary notices to, all governmental authorities having jurisdiction, to the extent required for such ownership, operation and conduct except where the failure to obtain such licenses,
permits, consents or approvals or to make such filings will not have a material adverse effect upon it; (d) is in compliance with its certificate or articles of incorporation and
by-laws and all material agreements to which it is a party or by which it is bound except where the failure to comply will not have a material adverse effect upon it; and (e) is in
compliance in all respects with all applicable provisions of law except where the failure to comply will not have a material adverse effect upon it.

    D. None
of the UWS Entities is a party to any litigation or administrative proceeding, nor so far as is known by them is any litigation or adverse administrative
proceeding or hearing threatened against any entity which in either case relates to the execution, delivery or performance of this Agreement or the Joint Venture.

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    E. No
information, exhibit or report, whether written or oral, furnished by the UWS Entities to LLC in connection with the negotiation or execution of this Agreement
contained any misstatement of a material fact or omitted to state a material fact necessary to make the statements contained therein not misleading as of the date when made.

ARTICLE 4—COVENANTS

    4.1.  LLC.  

    A. Corporate Structure. LLC shall not change its structure or organization as presently in effect, or merge with or into
or consolidate with or into any other corporation or entity, unless LLC notifies
UWS at least 15 days in advance of the closing of any such transaction or restructuring and such successor corporation or entity agrees in writing to be bound by, and assume and discharge all
responsibilities and obligations of LLC under, this Agreement, the New Joint Venture Documents and all documents and agreements referred to herein and therein.

	4.2.
	UWS Entities.

    A.  Voting the Stock of Unity.  UWS shall vote the stock of Unity in such a way as to ensure that the
Governing Board constitutes all of the members of the Board of Directors of Unity and that the bylaws of Unity and the committee structure of the Board of Directors of Unity are substantially similar
to that established and maintained for the Governing Board.

    B.  Notice.  In the event that UHC has given notice to UWS of its option to reacquire the business of UHC
as set forth in Article 6 of the UHC Joint Venture Agreement, UWS shall promptly provide such notice to LLC.

    4.3.  Mutual Covenants.  

    A. Each
of the Parties shall use all reasonable efforts and act in good faith to take, or cause to be taken, all action, and to do or cause to be done, and to assist
and cooperate with the other Parties in doing, all things necessary, proper or advisable to consummate and make effective as promptly as possible the transactions contemplated by this Agreement,
including, without limitation, using all reasonable efforts to fulfill or cause the fulfillment of the conditions set forth in Article 10.

    B. In
consideration of the consulting services provided by LLC related to the HMO business of Unity, the Parties agree to cause Unity to pay to LLC, on the
20th day of each month during the term of this Agreement, a monthly fee equal to Four Thousand Dollars ($4,000).

ARTICLE 5—OPERATIONS OF THE JOINT VENTURE

    5.1.  Underwriting.  Unity shall be the underwriter of the HMO and HMO portion of the POS plans (the
indemnity portion to be underwritten by Blue Cross or an affiliate) offered by the Joint Venture (in such capacity, Blue Cross and its affiliates, and Unity, shall be referred to as "Underwriters").

    5.2.  Benefit Administration.  On self-funded programs, Unity shall administer benefits under
the HMO and POS plans (in such capacity, Unity shall be referred to as the "Administrator").

    5.3.  Administrative Services.  On or before the Effective Date, the Parties shall cause their members of
the Governing Board, and the board of directors of Unity, to approve and adopt the Statement of Policy on Administrative Services attached hereto as Exhibit 5.3 ("Administrative Services
Policy").

ARTICLE 6—OPTION TO REACQUIRE

    6.1.  Option: Expiration of Agreement.  LLC shall have the option to acquire, on the expiration of any
term of this Agreement (each, an "Expiration Date"), all of the stock of Unity (the "Unity Stock") subject to the terms and conditions set forth herein in Sections 6.1, 6.3, and 6.4. LLC shall
give written notice to

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the
UWS Entities of its intention to exercise this option on or before the 180th day prior to the
applicable Expiration Date, but not earlier than the 210th day prior to the applicable Expiration Date and, if the UHC Joint Venture Agreement has not been terminated, then LLC shall
give written notice to UHC; provided that if UHC has given notice of its option to reacquire the UHC Business as set forth in Article 6 of the UHC Joint Venture Agreement, then LLC must give
written notice on or before the 150th day prior to the applicable Expiration Date, but not earlier than the 180thday prior to the applicable Expiration Date.

    6.2.  Option: Change in Control.  LLC shall have the option to acquire, upon a Change in Control (as
defined in this paragraph below), the Unity Stock as of the Scheduled Closing Date (also as defined in this paragraph below), subject to the terms and conditions in Sections 6.2, 6.3, and 6.4.
UWS shall give written notice to LLC of any proposed Change in Control ("Change in Control Notice") on or before the sixtieth day prior to the closing of such Change in Control. The Change in Control
Notice shall describe in reasonable detail the parties to, and the essential terms and conditions of, the Change in Control, including the proposed closing date (the "Scheduled Closing Date"), but
excluding the price and any other confidential terms. LLC shall give written notice to the UWS Entities of its intention to exercise its option on or before the tenth day after the Change in Control
Notice, in which case LLC's acquisition of the Unity Stock shall close on the Scheduled Closing Date. In the event that LLC fails to so notify the UWS Entities in accordance with the previous
sentence, then its option set forth in this Section 6.2 shall expire, and the proposed Change in Control may proceed and close on whatever terms and conditions to which the buyer and seller may
agree; provided, however, that the identity of the buyer shall be as disclosed in the Change in Control Notice, or one of its affiliates. The term "Change in Control" shall mean a sale by UWS of
50 percent or more of the voting common stock of Unity to an entity that is not, on the date of this Agreement or at anytime thereafter, an affiliate of any UWS Entity; provided, however, that
any such sale shall not constitute a "Change in Control" if either (i) it occurs as a part of, or in connection with, a sale by any UWS Entity of any other Significant Affiliate or the business
operated by, or substantially all the assets of, any other Significant Affiliate (as defined in the next sentence) or (ii) (A) it occurs as part of, or in connection with, the sale of
any affiliate of Unity or the business or substantially all the assets of any such affiliate and (B) either (1) the GAAP net worth of Unity equals 50 percent or less of the GAAP
net worth of the business being sold, including Unity, in each case as of the end of the most recent quarter or (2) the gross revenue of Unity equals 50 percent or less of the gross
revenue of the business being sold, including Unity, in each case as of the end of the most recent year. "Significant Affiliate" shall mean any affiliate of Unity which has a GAAP net worth as of the
most recent quarter greater than or equal to $12 million or a Health Maintenance Organization affiliate of Unity which has a GAAP net worth as of the most recent quarter greater than or equal
to $5 million.

    6.3. LLC's
exercise of its right to acquire the Unity Stock pursuant to Sections 6.1 or 6.2 shall terminate the Joint Venture on the applicable Expiration Date
or the closing of the exercise of UHC's option under Section 6.2, as the case may be, unless the Parties agree otherwise.

    6.4.  Exercise Price and Terms.  The price at which LLC may purchase the Unity Stock shall be the then
current net worth of Unity as of the date of said purchase plus any amounts UWS paid to CPN pursuant to the Previous Agreement that were not distributed as contract signing incentives to primary care
physicians or used for the development, enhancement and maintenance of independent physician practices. The purchase price shall be paid in cash. Net worth shall be determined by applying the same
accounting principles as were applied in determining the price at which UWS acquired the stock of Unity pursuant to the Previous Agreement. In the event LLC exercises its option provided herein, the
assets and business of Unity shall include the remaining assets and business of Unity which existed immediately prior to the date of the Previous Agreement which have not been transferred, assigned or
conveyed (including the groups and members which were then with HMOW) and subsequently acquired assets plus an equitable division of new business obtained by the Joint Venture, but shall not
include other managed care business acquired by UWS with the Joint Venture or merged with the Joint Venture, including, without limitation, the business attributable to the UHC Joint Venture and its
proportionate share of subsequent

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growth.
Any tax liabilities resulting to Unity as a result of transferring or adjusting the business and assets of Unity to comply with the immediately preceding sentence shall be reimbursed by UWS in
the event such liabilities were not reflected in the net worth of Unity for purposes of determining the purchase price.

    In
the event LLC exercises the option to purchase the Unity Stock, UWS shall make warranties and representations to LLC similar to those as made by HMO-W, Incorporated to
UWS in the Previous Agreement. Attached as Exhibit 6.4 is the text of the warranties and representations made by HMO-W Incorporated to UWS as contained in the Previous Agreement.
The obligations of the Parties to close the reacquisition of the Unity Stock by LLC shall be subject to the receipt of all necessary approvals and consents of insurance regulatory authorities pursuant
to all applicable insurance laws and the receipt of all necessary approvals and consents by any other governmental or regulatory authority whose approval is required by law.

ARTICLE 7—TERM AND TERMINATION

    7.1.  Term.  The initial term of the Joint Venture shall expire on December 31, 2004, unless
earlier terminated in accordance with this Article 7. Thereafter, the Joint Venture shall automatically renew for additional five (5) year terms unless terminated in accordance with this
Article 7.

    7.2.  Termination.  The Joint Venture may be terminated only as follows.

    A.
The Joint Venture may be terminated at the end of the initial or any subsequent term by (i) LLC provided that it shall give written notice to the UWS Entities on or before
the 180th day prior to the scheduled Expiration Date, but not earlier than the 210th day prior to such scheduled Expiration Date and (ii) the UWS Entities, provided
that they shall give written notice to LLC on or before the 270th day prior to the scheduled Expiration Date, but not earlier than the 280th day prior to the scheduled
Expiration Date; provided, however, that if UHC has given written notice of termination of the UHC Joint Venture pursuant to Article 7.2 of the UHC Joint Venture Agreement, then LLC may within
thirty days give notice of termination effective 180 days thereafter or on a timetable as otherwise agreed by the parties.

    B.
The Joint Venture will automatically terminate (i) on the applicable Expiration Date if LLC exercises its right to reacquire the Unity Stock in accordance with
Section 6.1, and (ii) on the Scheduled Closing Date if LLC exercises its right to reacquire the Unity Stock in accordance with Section 6.2, in each case unless the Parties agree
otherwise.

    C.
The Joint Venture shall terminate 90 days after any Party shall notify the other Parties that (i) a Party to which such notifying party is not affiliated ("Breaching
Party") has breached any of its obligations under this Agreement or (ii) a representation or warranty of the Breaching Party has proven to have been materially false when made, unless under
either (i) or (ii) the Breaching Party shall have cured such breach or the condition which renders such representation or warranty to be false, or the Party giving notice shall have
waived such breach or falsehood in writing to the Other Parties on or before the expiration of such 90 day period; provided, however, that if such breach or condition is incurable, the Joint
Venture shall not terminate unless such breach or condition impairs or could reasonably be expected to impair in any material respect the operation of the Joint Venture or the interest of the
Party providing the notice under this Section 7.2.C or any of its affiliates. The Party notifying the other Parties as provided in the previous sentence shall promptly send a copy of such
notice to UHC.

    D.
The Joint Venture shall terminate at the election of UWS in the event that LLC becomes the subject of any bankruptcy, insolvency or similar proceedings.

    E.
The Joint Venture shall terminate at the election of LLC in the event that Blue Cross or UWS become the subject of any bankruptcy, insolvency or similar proceedings.

    7.3.  Effect of Termination of UHC Joint Venture.  In the event that the UHC Joint Venture Agreement is
subsequently terminated and this Agreement has not terminated on or before the date that the

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UHC
Joint Venture Agreement terminates, then the Joint Venture created pursuant to this Agreement shall continue in accordance with its terms without the business and other attributes of the UHC Joint
Venture, as if the UHC Closing did not occur.

    7.4.  Rights to Unity Name.  In the event that this Agreement expires or is terminated for any reason and
LLC exercises its option to acquire the Unity Stock in accordance with Article 6, the Parties acknowledge and agree that LLC, as the stockholder of Unity, shall have the sole right to use the
name "Unity Health Plans Insurance Corporation" and all derivations thereof, or any of the trademarks and marks used at any time by Unity or the Joint Venture.

    7.5.  Unity Stock and Termination for Cause by LLC.  In the event that LLC terminates the Joint Venture
in accordance with Section 7.2.C or Section 7.2.E, then LLC shall have the option to acquire, on the 60th day after the Joint Venture terminates (the "For-Cause
Option Exercise Date"), the Unity Stock in accordance with Article 6. LLC shall give written notice to the UWS Entities of its intention to exercise this option on or before the
10th day after the Joint Venture terminates, but no earlier than the day on which the Joint Venture terminates.

    7.6.  Unity Stock and Termination for Cause by the UWS Entities.  In the event that a UWS Entity
terminates the Joint Venture in accordance with Section 7.2.C or Section 7.2.D, then LLC shall have the right to exercise its option to acquire the Unity Stock in accordance with
Article 6 (i) at what would have been, but for such termination, the next applicable Expiration Date of this Agreement or (ii) ninety (90) days from the date of
termination, whichever is later. For all other purposes, this Agreement and the Joint Venture shall terminate, including, without limitation, LLC's right to (i) appoint members to the Governing
Board pursuant to Section 2.1; and (ii) receive the monthly consulting fee provided by Unity pursuant to Section 4.3.B.

ARTICLE 8—ARBITRATION

    8.1.  Negotiation.  In the event of any dispute between any of the UWS Entities on the one hand and LLC
on the other hand arising out of or relating to the formation, interpretation, performance or breach of this Agreement or any of the New Joint Venture Documents (including, without limitation, any
dispute concerning Unity's compliance with the Administrative Services Policy or the decision to terminate or not terminate any Administrative Services Agreement entered into pursuant to the
Administrative Services Policy), the UWS Entities and LLC shall use their best efforts to resolve such dispute. If they are unable to do so, such dispute shall be submitted to the Governing Board for
resolution. The Governing Board shall have the authority to consult legal, financial or other advisors for the purpose of resolving such dispute, and the fees and expenses of any such advisors shall
be shared equally by the
disputing parties. If the Governing Board is unable to resolve such dispute by the vote required by Article 2 within 30 days, such dispute may be submitted to arbitration in accordance
with Section 8.2.

    8.2.  Arbitration.  

    A.
Each side shall each appoint an individual as arbitrator and the two so appointed shall then appoint a third arbitrator. If either side refuses or neglects to appoint an arbitrator
within thirty (30) days of receipt of a written notice of demand for arbitration, the other side may appoint the second arbitrator. If the two arbitrators do not agree on a third arbitrator
within thirty (30) days of their appointment, each of the arbitrators shall nominate three individuals. Each arbitrator shall then decline two of the nominations presented by each of the other
arbitrators. The third arbitrator shall be chosen from the remaining two nominations by drawing lots. The arbitrators shall be active or former officer of an insurance or reinsurance company, managed
care organization, or Lloyd's of London underwriters. None of the arbitrators shall have a personal or financial interest in the result of the arbitration.

    B.
The arbitration hearings shall be held in Madison, Wisconsin, or such other place as may be mutually agreed. Each side shall submit its case to the arbitrators within thirty
(30) days of the selection of

9

the
third arbitrator or within such longer period as may be agreed by the arbitrators. The arbitrators shall not be obliged to follow judicial formalities or the rules of evidence except to the extent
required by governing law, that is, the state law of the situs of the arbitration as herein agreed; they shall make their decisions according to the practice of the insurance business. The decision
rendered by a majority of the arbitrators shall be final and binding on both sides and on Unity as appropriate. Such decision shall be a condition precedent to any right of legal action arising out of
the arbitrated dispute which any side may have against the others. Judgment upon the award rendered may be entered in any court having jurisdiction thereof.

    C.
Each side shall pay (i) the fee and expenses of its own arbitrator, (ii) one-half of the fee and expenses of the third arbitrator and
(iii) one-half of the other expenses that the Parties jointly incur directly related to the arbitration proceeding. Other than as set forth above, each Party shall bear its own
costs in connection with any such arbitration including, without limitation, (i) all legal, accounting, and other professional fees and expenses and (ii) all other costs and expenses
each Party incurs to prepare for such arbitration.

    D.
Except as provided above, arbitration shall be based, insofar as applicable, upon the Commercial Arbitration Rules of the American Arbitration Association.

ARTICLE 9—EFFECT OF AGREEMENT

    9.1.  Prior Agreement and Joint Venture Documents.  This Agreement amends and restates the Previous
Agreement in its entirety as of the Effective Date. This Agreement, and the New Joint Venture Documents, supersede all prior discussions and agreements between, and contain the sole and entire
agreement between, the Parties with respect to the subject matter hereof and thereof, on and after the Effective Date.

    Notwithstanding
the previous paragraph, the Previous Agreement and any related documents (including, without limitation, the Service Agreement, dated November 1, 1994, by and
between UWS and LLC (the "Service Agreement")) shall continue to govern the transactions, covenants, obligations, agreements, and representations and warranties of the Parties as provided therein
prior to the Effective
Date; provided, however, that notwithstanding anything in the Previous Agreement and related documents to the contrary, the Previous Agreement and related documents shall remain in full force and
effect until the Effective Date. Any disputes arising under or related to the Previous Agreement or any related documents shall be resolved in accordance with the arbitration provisions set forth in
Article 9 of the Previous Agreement; provided, however, that any disputes arising under the Service Agreement shall be resolved in accordance with Article 15 thereof. In addition, any
documents related to the Previous Agreement that are also identified on Schedule 1 as New Joint Venture Documents shall remain in full force and effect in accordance with their terms on and
after the Effective Date, except as amended pursuant to this Agreement. Any documents related to the Previous Agreement that are not identified in Schedule 1 shall be terminated as of the
Effective Date.

    9.2.  Effective Date.  The "Effective Date," as used in this Agreement, shall mean January 1,
2000.

    9.3.  Final Accounting.  The Parties acknowledge and agree that a final accounting ("Accounting") shall
be conducted pursuant to Section 3(e) of the Service Agreement within six (6) months from the Effective Date. The Accounting shall be deemed a final determination of the Parties'
obligations under Section 3(e) of the Service Agreement and any distribution made thereunder shall be deemed payment in full of the Total Service Payment (as defined in the Service Agreement);
provided, however, that in the event the Accounting is completed prior to July 1, 2000, the Parties shall remain responsible for any development that occurs on or before July 1, 2000,
and an appropriate true-up payment shall be made to the appropriate Party to reflect any such development. The Parties shall be deemed to release and discharge each other from any further
obligations under Section 3(e) of the Service Agreement upon the payment of any amount required by the Accounting and any true-up payments; provided, however, that

10

such
release and discharge shall not apply to any payment disputes between the Parties that are in arbitration on or before July 1, 2000.

ARTICLE 10—CONDITIONS

    10.1.  Condition to Obligations.  

    The
obligations of the Parties under this Agreement are subject to the fulfillment or waiver by the Parties (on or before October 30, 1999 in the case of subsections (i), (ii),
(iii) and (iv), and the Effective Date in the case of subsection (v)) of the following conditions precedent: (i) the execution and delivery by the parties to the UHC Joint Venture
Agreement of an amendment to the UHC Joint Venture Agreement which shall make the UHC Joint Venture Agreement consistent with this Agreement and the New Joint Venture Documents, as reasonably
determined by the UWS Entities and UHC, HPW and UCC; (ii) the execution and delivery of the UHC Provider Agreement (as defined in Section 5.5.A(ii) of the UHC Joint Venture
Agreement) by and among the UWS Entities and UHC or a binding letter of intent to enter into such agreement; (iii) the execution of provider agreements for UHC and University of Wisconsin
Medical Foundation, a Wisconsin nonprofit organization, that relate to the Joint Venture business ("CPN Provider Agreements") or binding letters of intent to enter into such agreements;
(iv) the execution of amended delegated services agreements by and between Unity and CPN for the provision of medical management and other related services for the Joint Venture; and
(v) the receipt of all necessary approvals and consents of insurance regulatory authorities pursuant to all applicable insurance laws and the receipt of all necessary approvals and consents by
any other governmental or regulatory authority whose approval is required by law.

    10.2.  Effect of the Failure of a Condition.  

    In
the event that any condition described in Section 10.1 fails and is not waived, and the Parties have complied with their obligation set forth in Section 4.3.A, then
this Agreement shall become void and shall have no further force or effect. In addition, in such event, the Parties agree that, notwithstanding the provisions of the Previous Agreement to the
contrary, the Previous Agreement shall not terminate prior to (i) February 1, 2000 if any of the conditions set forth in subsections (i), (ii), (iii) or (iv) of
Section 10.1 fail, and LLC may give notice under Section 4 of the Service Agreement no earlier than November 5th, 1999, nor later than November 15, 1999; and
(ii) the one-hundred twentieth (120th) day after the condition set forth in subsection (v) of Section 10.1 fails and LLC may give notice under
Section 4 of the Service Agreement no earlier than ninety (90) days, nor later than one hundred (100) days, after the condition in subsection (v) of Section 10.1
fails. LLC shall not give notice under Section 4 of the Service Agreement, except in accordance with the previous sentence.

ARTICLE 11—GENERAL PROVISIONS

    11.1.  Amendments.  This Agreement may only be amended by the consent of the Parties expressed in a
written addendum; and such addendum, when executed by all Parties, shall be deemed to be an integral part of this Agreement and binding on the Parties.

    11.2.  Successors and Assigns.  This Agreement shall inure to the benefit of and bind each of the Parties
and their successors and assigns. Except as may be permitted pursuant to Section 4.1.A or Section 6.2, neither this Agreement nor any right hereunder nor any part hereof may be assigned
by any Party without the prior written consent of the other Parties (including, without limitation, any assignment in connection with a voluntary dissolution or liquidation of a Party) and all
necessary regulatory authorities. For the avoidance of doubt, any of the UWS Entities may change their structure or organization, or merge with or consolidate with or into any other corporation or
entity, and this Agreement may be assigned to any such successor entity and this Agreement shall be binding upon and inure to its benefit.

11

    11.3.  Confidential Information.  The Parties acknowledge that all information of a given Party which has
or will come into the possession of another Party in connection with this Agreement is non-public, confidential or proprietary in nature. Each Party agrees to hold such information in the
strictest confidence, not to make use thereof other than for the performance of this Agreement, and not to release or disclose it to any third Party other than for the performance of this Agreement or
as required by law. In the event that any Party ("Disclosing Party") is requested pursuant to, or required by, applicable law or regulation or by legal process to disclose any such information of
another Party, the Disclosing Party shall provide such other Party with prompt notice of such request to enable such other Party to seek an appropriate protective order. The Disclosing Party shall
cooperate with such other Party in connection with such matter.

    11.4.  Interpretation.  This Agreement shall be interpreted to preserve the purposes of the Joint Venture
and to maintain its integrity. It is the intent of the Parties that minor, technical and immaterial violations of this Agreement and related documents and minor inconsistencies and ambiguities should
be resolved in favor of continuation of the Joint Venture.

    11.5.  Governing Law.  This Agreement will be governed by and construed in accordance with the laws of
the State of Wisconsin (without giving effect to principles of conflicts of laws) applicable to a contract executed and to be performed in such state.

    11.6.  Headings, etc.  The headings used in this Agreement have been inserted for convenience and do not
constitute matter to be construed or interpreted in connection with this Agreement. Unless the context of this Agreement otherwise requires, (a) words of any gender will be deemed to include
each other gender, (b) words using the singular or plural number will also include the plural or singular number, respectively, (c) the terms hereof, herein, hereby, and derivative or
similar words will refer to this entire Agreement, and (d) the conjunction "or" will denote any one or more, or any combination or all, of the specified items or matters involved in the
respective list.

    11.7.  Non-waiver.  The failure of any Party at any time to enforce any provision of this
Agreement shall not be construed as a waiver of that provision and shall not affect the right of any Party thereafter to enforce each and every provision of this Agreement in accordance with its
terms.

    11.8.  Severability.  If any provision of this Agreement is held to be illegal, invalid, or unenforceable
under any present or future law, and if the rights or obligations of any Party will not be materially adversely affected thereby, (a) such provision will be fully severable, (b) this
Agreement will be construed and enforced as if such illegal, invalid, or unenforceable provision had never comprised a part hereof, (c) the remaining provisions of this Agreement will remain in
full force and effect and will not be affected by the illegal, invalid, or unenforceable provision or by its severance herefrom, and (d) in lieu of such illegal, invalid or unenforceable
provision, there will be added automatically as part of this Agreement, a legal, valid, and enforceable provision similar in terms to such illegal, invalid, or unenforceable provision as may be
possible.

    11.9.  Notices.  Any notice or communication given pursuant to this Agreement must be in writing and will
be deemed to have been duly given if mailed (by registered or certified mail, postage prepaid, return receipt requested), or if transmitted by facsimile, or if delivered by courier, as follows:

To
Unity

Unity
Health Plans Insurance Corporation

840 Carolina Street

Sauk City, Wisconsin 53583-1374

Facsimile: 608-643-1450

Attention: Nick Reiland

12

To
Blue Cross

Blue
Cross & Blue Shield United of Wisconsin

401 West Michigan Street

Milwaukee, Wisconsin 53203

Facsimile: 414-226-6229

Attention: Penny Siewert

To
UWS

United
Wisconsin Services, Inc.

401 West Michigan Street

Milwaukee, Wisconsin 53203

Facsimile: 414-226-6229

Attention: Penny Siewert

To
LLC

Community
Health Systems, LLC

Facsimile:

Attention:

    All
notices and other communications required or permitted under this Agreement that are addressed as provided in this paragraph will, whether sent by mail, facsimile, or courier, be
deemed given upon the first business day after actual delivery to the party to whom such notice or other communication is sent (as evidenced by the return receipt or shipping invoice signed by a
representative of such party or by the facsimile confirmation). Any party from time to time may change its address for the purpose of notices to that Party by giving a similar notice specifying a new
address, but no such notice will be deemed to have been given until it is actually received by the party sought to be charged with the contents thereof.

    11.10.  Counterparts  This Agreement may be executed simultaneously in any number of counterparts, each
of which will be deemed an original, but all of which will constitute one and the same instrument.

13

    IN
WITNESS WHEREOF, the Parties have caused this Agreement to be executed by their duly authorized representatives as of the date first set forth above.

UNITY
HEALTH PLANS INSURANCE CORPORATION

By: 

Title: 

BLUE
CROSS & BLUE SHIELD UNITED OF WISCONSIN

By: 

Title: 

UNITED
WISCONSIN SERVICES, INC.

By: 

Title: 

COMMUNITY
HEALTH SYSTEMS, LLC

By: 

Title: 

14

SCHEDULE 1

	Name of Document

	 	Section of Joint Venture Agreement

	Non-Participating Invitee Agreement	 	2.1.F
	Statement of Policy on Administrative Services	 	5.3

15

EXHIBIT 2.1F

NON-PARTICIPATING INVITEE AGREEMENT TO BE BOUND

[See
attached document]

16

EXHIBIT 2.1.F

To                              

Chief
Executive Officer

Unity Health Plans Insurance

Dear
                            ,

    The
undersigned in consideration of being permitted to attend the meetings of the Board of Directors (the "Board") of Unity Health Plans Insurance Corporation ("Unity") and its
committees agrees to be bound by the fiduciary obligations of the members of the Board and any policies concerning conflicts of interest, disclosure, corporate opportunities and other policies or
rules as adopted by the Board for itself. Notwithstanding the fiduciary duties owed hereunder, the undersigned shall be permitted to disclose to his or her employer information concerning or related
to Unity's performance under any contract between Unity and the employer (it being understood and agreed that such information shall not include, without limitation, any information that would have
value to a competitor of Unity or any information that would cause Unity to lose the benefit of the attorney-client privilege in the reasonable judgement of UWS) disclosed at any meeting of the
Governing Board or its committees; provided, however, that the undersigned shall have notified the Governing Board of the intended disclosure in advance.

	 	
 Non-Participating Invitee
	 

 	 

 Date

17

EXHIBIT 5.3

STATEMENT OF POLICY ON ADMINISTRATIVE SERVICES

[See attached document]

18

EXHIBIT 6.4

REPRESENTATIONS AND WARRANTIES OF HMO-W TO UWS

AS CONTAINED IN THE PREVIOUS AGREEMENT

[See attached document]

19<PAGE>

                                                                    Exhibit 10.4

                             AGREEMENT OF SUB-LEASE

              Made and entered into at Tel Aviv on 26th August 1999

                                     Between

            RIT Technologies Ltd. Public Company Registration No. 52-004335-7
            of 24 Raoul Wallenberg Street, Tel Aviv 69719

            Hereinafter called - "RIT"

                                                                 OF THE ONE PART

                                       And

            RADVision Ltd., Private Company Registration No. 51-1651812
            of 24 Raoul Wallenberg Street, Tel Aviv 69719

            Hereinafter called - "RADVision"

                                                               OF THE OTHER PART

Whereas              RIT entered into contractual arrangements under an
                     Agreement of Lease dated 2nd November 1998 (hereinafter -
                     "the Principal Lease") with Vitalgo Textile Enterprises
                     Ltd., Zisapel Properties (1992) Ltd. and Klil & Michael
                     Properties (1992) Ltd. (hereinafter - "the Principal
                     Lessor") relating to the lease of a commercial area on the
                     entrance level of the building situate at 24 Raoul
                     Wallenberg Street, Ramat Ha'Hayil (hereinafter - "the
                     Principal Premises").
                     The Principal Lease is attached to this Agreement as
                     ANNEX A.

And Whereas          RADVision wishes to lease from RIT and RIT wishes
                     to let to RADVision under an unrestricted unprotected
                     sub-lease, an area of 215 square metres situate within the
                     area of the Principal Premises, as described in the plan
                     attached to this Agreement as ANNEX B (hereinafter - "the
                     Premises").

<PAGE>
                                       2

NOW THEREFORE IT IS DECLARED, STIPULATED AND AGREED BETWEEN THE PARTIES AS
FOLLOWS :

1.       PREAMBLE

         1.1      The preamble to this Agreement, together with the facts and
                  declarations included therein, and the Annexes to this
                  Agreement, constitute an integral part hereof.

         1.2      Paragraph headings in this Agreement are for convenience only
                  and do not constitute part of the Agreement nor shall they
                  serve for purposes of interpretation.

2.       LEASE

         2.1      RIT hereby lets the Premises to RADVision and RADVision hereby
                  leases the same from RIT for a period of 12 months with effect
                  from 1st September 1999, and terminating on 31st August 2000
                  (hereinafter - "the Lease Period") upon the conditions set
                  forth in this Agreement heretofore and hereunder and subject
                  to the conditions set forth in the Principal Lease.

         2.2      Subject to the faithful fulfilment by RADVision of the
                  provisions of this Agreement, and as long as RIT is still the
                  lessee of the Principal Premises, an option shall be granted
                  to RADVision to extend the Lease Period for a further period
                  until 31st August 2001 (hereinafter : "the Further Lease
                  Period").

         2.3      "The Lease Period", whenever this appears in this Agreement,
                  shall also be deemed to include the Further Lease Period or
                  the Further Lease Periods.

3.       CONSIDERATION

         3.1      RADVision undertakes to pay to RIT for each month of the lease
                  of the Premises a rental in a sum equal to $ 18.50 per square
                  metre, that is, an amount equal to 1,850 United States dollars
                  ($1,850 dollars) ($ 18.50 x 100 square metres).

         3.2      The rental shall be paid to RIT at the representative rate of
                  exchange of the United States dollar as at the date of payment
                  together with value added tax as applicable.

<PAGE>
                                       3

         3.3      The rental shall be paid to the Lessor 3 (three) monthly in
                  advance on the first day of each payment month, or on the
                  first business day next following the first day of the month,
                  should this fall on a Sabbath or Holiday. The rental for the
                  first month of the Lease Period shall be paid at the time of
                  signature of this Agreement.

         3.4      In addition to the foregoing rental, RADVision shall bear its
                  share, pro rata to its share of the Principal Premises, of the
                  management fee as set forth in paragraph 15 hereunder and in
                  Annex B 2 to the Principal Lease, and municipal rates debited.

         3.5      RADVision shall effect the foregoing payments to RIT against a
                  tax invoice.

4.       APPLICABILITY OF THE PRINCIPAL LEASE

         4.1      All the provisions of the Principal Lease, to the extent that
                  these relate to the Premises, shall MUTATIS MUTANDIS apply to
                  the lease pursuant to this Agreement.

         4.2      RADVision hereby agrees to assume all the obligations of the
                  Lessee as set forth in the Principal Lease, MUTATIS MUTANDIS,
                  in relation to the Premises which it hereby leases.

         4.3      For the sake of clarity, RADVision shall obtain the approval
                  of the Lessor with respect to any alterations which it intends
                  to carry out on the Premises and shall furnish such security
                  and/or insurance as shall be required by the Lessor concerning
                  the Premises.

5.       AREA COMMON TO RIT AND RADVISION

         5.1      Apart from the Premises as set forth in Annex B, RADVision
                  shall also be entitled to use the kitchen and toilets situate
                  within the area of the Principal Premises.

         5.2      RADVision shall be entitled to install a separate
                  communications cabinet inside the existing communications room
                  on the Principal Premises. For the sake of clarity, RADVision
                  shall be given no access to RIT's communication cabinet.

<PAGE>
                                       4

         5.3      In the light of the existence of the common area, the parties
                  hereby agree to respect the privacy of each of them and to
                  refrain from any act which may constitute a nuisance in
                  relation to the use by the other to its Premises.

            IN WITNESS WHREEOF. they have affixed their signatures :

RIT Technologies Ltd.                                         RADVision Ltd.

 /s/ OFER BENGAL                                        /s/ ALON MOALEM
------------------------------                         -----------------------
Ofer Bengal, Managing Director                         Alon Moalem, Controller

<PAGE>

                                  ANNEX A

Summary of Agreement of Lease, between RIT Technologies Ltd., Vitalgo Textile
Enterprises, Zisapel Properties (1992) Ltd. and Klil and Michael Properties
(1992) Ltd.--translated from Hebrew original

Date of Lease:           November 2, 1998.

Landlord:                Vitalgo Textile Industries Ltd.
                         Zisapel Properties (1992) Ltd.
                         Klil and Michael Properties (1992) Ltd.

Tenant:                  Rit Technologies Ltd.

Premises:                24 Raoul Wallenberg Street, Tel Aviv Israel.

Square Meters:           458 sq meters.

Permitted Use:           General office and manufacturing.

Term:                    40 months.

                         (a) Scheduled commencement date: August 1, 1998.
                         (b) Scheduled expiration date: December 2, 2001.

There is an option to extend the lease upon mutual consent for an additional
two years until December 2, 2003. ("Additional Period")

Basic Rent--(lease months 1-40)--$18.50 per square meter, i.e. $8473.

Additional Period Rent--additional 5.5% i.e. $19.51 per square meter,
i.e. $8935.58

Security Deposit:        approximately $8000 in bank guarantee.

<PAGE>

                                 ANNEX B

[This Exhibit consists of a two dimensional floor plan for the leased
premises at 24 Raoul Wallenberg Street Tel Aviv Israel consisting of
215 square meters. The floor plan shows a cross sectional view of room
divisions within the premises.]

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