Document:

EXHIBIT 10.7

                         AGREEMENT FOR PURCHASE AND SALE
                         -------------------------------

         THIS AGREEMENT (the "Agreement") is made and entered into this 7th day
of April, 2005, by and between NATIONAL RESIDENTIAL PROPERTIES, INC., a Nevada
corporation (hereinafter referred to as the "Seller") and BAY HARBOR ISLAND
ASSOCIATES, L.P., or its assigns (hereinafter referred to as the "Purchaser" or
"Buyer").

                              W I T N E S S E T H:
                              --------------------

         WHEREAS, Seller is the owner, in fee simple, of that certain parcel of
real property (the "Real Property"), situate, lying and being in Miami-Dade
County, Florida and described as follows:

                  Lots 17 and 18, Block 9, BAY HARBOR ISLAND, according to the
                  Plat thereof, as recorded in Plat Book 46, at Page 5, of the
                  Public Records of Miami-Dade County, Florida; and

         WHEREAS, the Purchaser desires to purchase the Real Property from the
Seller and the Seller desires to sell the Real Property to the Purchaser, all
subject to the terms and conditions set forth herein;

         NOW, THEREFORE, in consideration of the mutual covenants, stipulations
and agreements hereinafter made and for other good and valuable considerations,
the Seller and the Purchaser hereby agree as follows;

SECTION I.    SALE-PURCHASE.
              --------------

         The Seller agrees to sell, convey and assign to the Purchaser and the
Purchaser agrees to purchase from the Seller, the following described property
and rights, for the price and under the terms and conditions provided in this
Agreement.

         A. The fee simple title to the Real Property;

         B. Seller's interest, if any, in and to all, contract rights, riparian
rights, easements, privileges, servitudes, appurtenances and other rights
belonging to or inuring to the benefit of the Seller and pertaining to the Real
Property;

         C. Seller's interest, if any, in and to any adjacent streets,
rights-of-way, easements, strips of land or roadways adjoining the Real
Property;

         D. Seller's interest, if any, in and to all tangible and/or intangible
property and property rights pertaining to the Real Property (the "Tangible and
Intangible Personal Property") including, but not limited to, any rights to
water and sewer allocations, development rights, plat or temporary plat or any
other governmental approvals, credits for impact fees, payment for street
lighting and other special taxing district credits or benefits;

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         E. Seller's interest, if any, in and to all permits and licenses
pertaining to the Real Property (hereinafter collectively referred to as the
"Permits");

         F. Seller's interest, if any, in and to any approved site plans,
temporary plat approvals, architectural plans, development orders, soil tests,
surveys, engineering and traffic studies, engineering drawings, specifications,
studies, and other information that relate to, or have been prepared for, the
Real Property which are in Seller's possession and/or which are under the
control of the Seller (the "Documents");

         All of the foregoing is herein collectively referred to as the
"Property".

SECTION II.   PURCHASE PRICE.
              ---------------

         Seller agrees to sell the Property to the Purchaser and the Purchaser
agrees to purchase the Property from the Seller for a purchase price (the
"Purchase Price") in the amount of ONE MILLION FOUR HUNDRED THOUSAND AND NO/100
($1,400,000.00) DOLLARS.

SECTION III.  TERMS OF SALE.
              --------------

         A. Deposit. Simultaneously with the execution of this Agreement by the
Purchaser, the Purchaser shall deliver a deposit into escrow with FIRST AMERICAN
TITLE INSURANCE COMPANY (the "Escrow Agent"), in the amount of TEN THOUSAND AND
NO/100 ($10,000.00) DOLLARS. All funds deposited with the Escrow Agent pursuant
to the terms of this Agreement shall collectively be referred to as the
"Deposit". Unless Seller receives the Deposit with all interest earned thereon
as a result of Purchaser's default under this Agreement, all interest earned
upon the Deposit shall inure to the benefit of the Purchaser and shall be paid
to the Purchaser at the closing of the within transaction.

         B. Balance of Purchase Price. The balance of the Purchase Price (the
"Cash to Close") shall be due and payable by Purchaser, at Closing, by cashier's
check or by federally wire transferred funds. The Deposit shall be a credit to
the Cash to Close due from the Purchaser at the time of Closing.

SECTION IV.   EVIDENCE OF TITLE.
              ------------------

         Purchaser shall, within thirty (30) days (the "Title Review Period")
from and after the Effective Date (hereinafter defined), obtain a Commitment
(the "Commitment") for issuance of an Owner's Policy of Title Insurance with
respect to the Property. If the Commitment reveals that title to the Property is
not good, marketable and insurable, at regular rates and in accordance with the
standards adopted by the Florida Bar, then Purchaser shall notify Seller in
writing (the "Title Notice"), prior to the expiration of the Title Review
Period, specifying the alleged title defect(s). Seller shall have thirty (30)
days from receipt of the Title Notice within which to remove said alleged title
defects, and if Seller is unsuccessful in removing the alleged title defect(s)
within said thirty (30) day period, the Purchaser shall have the option to
either: (i) accept the title to the Property as it then is without reduction in
the Purchase Price or claim against Seller therefor; or (ii) demand the return
of the Deposit, with all interest earned thereon, which shall forthwith be
returned to Purchaser and thereafter Purchaser and Seller shall be released from
all further obligations under this Agreement, except for such obligations which
are

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<PAGE>
specified in this Agreement to survive the termination of this Agreement. If,
however, title to the Property is unmarketable because of liens in a liquidated
amount that can be released or satisfied by the payment of money alone then, at
the time of Closing, such liens shall be paid from the cash to close and the
amount due Seller shall be reduced by such amount. Seller agrees to use diligent
effort to cure the defects in title within the time limit provided herein, not
including the commencement and diligent prosecution of any suits.

SECTION V.    SURVEY.
              -------

         During the Title Review Period, the Purchaser shall have the right to
obtain, at Purchaser's expanse, a currently dated survey (the "Survey") of the
Property. If the Survey shows any material encroachments on the Property, the
same shall be treated as a defect in the title to the Property and such title
defect shall be governed by the provisions contained within Section IV of this
Agreement.

SECTION VI.   DOCUMENTS TO BE DELIVERED BY THE SELLER.
              ----------------------------------------

         Within three (3) days from the Effective Date, the Seller shall furnish
to the Purchaser copies of the following described documents (the "Seller's
Deliveries") pertaining to the Property:

         A. A copy of the Owner's Policy of Title Insurance issued in favor of
the Seller at the time of the acquisition of the Property by the Seller.

         B. Copies of all surveys of the Property, in Seller's possession.

         C. Copies of all environmental reports, soil studies, soil borings,
engineering studies and any other studies pertaining to the Property, in
Seller's possession.

         D. Copies of all building plans, site plans, marketing studies and
appraisals in Seller's possession, if any, pertaining to the Property,

         Other than the Seller's Deliveries, the Seller shall have no obligation
to furnish any documents or information to the Purchaser pertaining to the
Property, it being acknowledged by the Purchaser that the Purchaser, in
Purchaser's deliberations regarding the Property, shall be relying on
Purchaser's independent investigations and evaluation of the Property.

SECTION VI.   INSPECTION PERIOD.
              ------------------

         During the period (the "Inspection Period") commencing on the Effective
Date and expiring at 4:00 p.m. on the date which will be thirty (30) days from
the Effective Date, the Purchaser and its engineers, surveyors, agents and
representatives shall be entitled to conduct feasibility studies with respect to
the Property and inspect the physical condition of the Property. The Seller
shall cooperate, wherever possible, with the inspections being performed by the
Purchaser.

         In the event the Purchaser, for any reason whatsoever, is not satisfied
with the condition of the Property or Purchaser deems the Property is not
suitable for Purchaser's intended use, then

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<PAGE>
the Purchaser, prior to the expiration of the Inspection Period, may elect to
notify the Escrow Agent and the Seller of its election not to proceed with this
transaction and, thereupon, the Escrow Agent shall return the Deposit to the
Purchaser and this Agreement shall be null and void, except for such matters
which are specified in this Agreement to survive the termination of this
Agreement; provided, however, that the Deposit shall not be paid over by the
Escrow Agent to the Purchaser unless the Purchaser delivers to the Seller all
studies, reports, tests and other documentation pertaining to the Property
(collectively the "Work Product") obtained by the Purchaser from the Seller
during the Inspection Period. If, however, the Purchaser does not timely
exercise its right to rescind and withdraw from this Agreement, pursuant to the
provisions of this Section VII, then the Purchaser shall not, thereafter, be
permitted to withdraw from and cancel this Agreement pursuant to the provisions
of this Section VII. Further, in the event the Purchaser does not timely elect
to withdraw from and cancel this Agreement pursuant to the provisions of this
Section VII, then the Purchaser shall: (i) prior to the expiration of the
Inspection Period, tender an additional deposit to the Escrow Agent in the
amount of ONE HUNDRED THIRTY THOUSAND AND NO/100 ($130,000.00) DOLLARS; and (ii)
be deemed to be purchasing the Property in an "AS IS" "WHERE IS" condition
without relying upon any representation or warranty made on the part of the
Seller, except as may be specifically provided for in this Agreement.

         During the Inspection Period and thereafter, the Purchaser, Purchaser's
architects, surveyors, agents and engineers shall have the right, after twelve
(12) hours prior notice to the Seller, to go upon the Property and conduct any
and all surveys, marketing studies, soil tests, soil borings and similar
investigations as the Purchaser shall require, provided that the Purchaser shall
indemnify and save the Seller harmless with respect to any liabilities,
obligations, suits and demands arising out of or in connection with such
activities. In addition, prior to entry upon the Property by Purchaser and/or by
Purchaser's representatives, the Purchaser must obtain, and provide evidence of
same to the Seller, public liability insurance coverage (providing not less than
$1,000,000.00 of coverage) naming the Seller as an additional insured
thereunder. The Purchaser will immediately repair or cause to be repaired, any
damage to the Property occasioned by such activities.

SECTION VIII. CLOSING.
              --------

         The transactions contemplated by this Agreement shall be closed (the
"Closing") at the offices of LEOPOLD, KORN & LEOPOLD, P.A., 20801 Biscayne
Boulevard, Suite 501, Aventura, Florida 33180, commencing at 10:00 a.m. on the
date which will be one hundred twenty (120) days from the Effective Date;
provided, however, that the Purchaser, upon fifteen (15) days prior written
notice to the Seller, shall have the right to advance the date of Closing to an
earlier date.

SECTION IX.   CLOSING DOCUMENTS.
              ------------------

         At the time of Closing, Seller shall execute and/or deliver to
Purchaser executed originals of the following documents:

         A. Special Warranty Deed, in recordable form, conveying to the
Purchaser the fee simple interest of the Seller in and to the Property, subject
only to those matters of title which the

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<PAGE>
Purchaser is required to acquire the Property subject to, as provided in Section
IV of this Agreement.

         B. Assignment assigning to Purchaser all of Seller's rights, title and
interest in all of the documents delivered to Purchaser pursuant to Section VI
B, C, and D above, and certifying that all monies owed with respect to such
items have been paid in full.

         C. Affidavit in form sufficient to allow the title agent to delete all
standard survey, construction lien and parties in possession exceptions from the
Commitment.

         D. Closing Statement -- to be prepared by the joint efforts of the
Seller and the Purchaser by and through their respective attorneys.

         E. Affidavit complying with the rules and regulations promulgated under
FIRPTA.

         F. "Gap" Affidavit in form sufficient to allow the title agent to
delete the "gap" exception from the Commitment.

         G. Assignment of all of the Seller's right, title and interest, if any,
in and to: (i) the Tangible and Intangible Personal Property; (ii) the Permits;
and (iii) the Documents.

         H. Good Standing Certificate issued by the State of Nevada with respect
to the Seller.

         I. Corporate resolutions required by the Purchaser and title agent
issuing the Commitment.

         J. Such other documents as may be required by the title agent issuing
the Commitment to permit deletion of all Schedule B-1 Requirements from the
Commitment.

         K. Intentionally Omitted.

         L. Any other documents reasonably required by the applicable title
company to consummate the transactions contemplated by this Agreement.

At the time of Closing, Purchaser shall execute and/or deliver to Seller the
following:

         A. The Cash to Close.

         B. Closing Statement.

         C. Any other documents reasonably necessary to consummate the
transactions contemplated by this Agreement.

SECTION X.    POSSESSION.
              -----------

         Possession of the Property shall be delivered to Purchaser on the date
of Closing vacant and free of all tenancies.

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<PAGE>
SECTION XI.   REPRESENTATIONS OF SELLER.
              --------------------------

         The Seller hereby warrants and represents, to the best of its knowledge
and belief, the following to the Purchaser with the full understanding that the
Purchaser will rely upon said representations and warranties in closing the
transaction contemplated by this Agreement.

         A. Seller has the full right, power and authority to own and convey the
Property without the need for further consents or authorizations. All necessary
authorizations and approvals on the part of the Seller have been obtained
authorizing the Seller to execute this Agreement and to consummate the
transactions contemplated hereby.

         B. To Seller's knowledge, there are no suits (including, without
limitation, condemnation or eminent domain proceedings) or other legal
proceedings pending or threatened with respect to the Property or Seller. Seller
has not received any written or oral notice from any public or quasi-public
authority having powers of eminent domain or condemnation over the Property.

         C. Seller is neither a foreign person or foreign corporation, as those
terms are defined in Section 7701 of the Internal Revenue Code of 1054, as
amended, and at Closing, the Seller will execute an affidavit confirming this
representation.

         D. Seller represents that there are no contract rights, leases, use
rights or other rights of occupancy relating to the Property, nor any other
types of contracts relating to or affecting the Property.

         E. Seller represents that Seller has received no written notice as to
any pending or proposed special assessments which would affect the Property.

         F. Between the date of this Agreement and the date of Closing, the
Seller will not, without Purchaser's prior written consent, create or permit to
be created any encumbrances on the Property. For the purposes of this
subparagraph, the term "encumbrance" shall mean any liens, claims, options,
mortgages, encroachments, leases, easements, covenants, conditions or
restrictions.

         G. Seller has no actual or constructive notice from any person or
entity that, with respect to the Property, it or any predecessor-in-title to the
Property, is or was in violation of any applicable state or federal
environmental law or regulation pertaining to Hazardous Substances or Wastes. As
used in this Agreement, "Hazardous Substances or Wastes" means any substance
identified as a hazardous substance or waste in the Comprehensive Environmental
Response Compensation and Liability Act of 1980 (commonly known as "CERCLA"), as
amended, the Superfund Amendment and Reauthorization Act (commonly known as
"SARA"), the Resource Conservation and Recovery Act (commonly known as "RCRA")
or any applicable similar federal or state legislation regulating hazardous or
dangerous materials and substances.

         H. Seller has no actual or constructive notice that there are any above
ground or underground storage tanks located upon the Property.

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<PAGE>
         I. Seller has no actual or constructive knowledge of any existing,
proposed or contemplated laws that would prevent the development of the Property
for residential use.

         J. Intentionally Omitted.

         The warranties and representations set forth hereinabove shall be
deemed to be remade as of the date of Closing and shall survive the Closing for
a period of twelve (12) months.

         In the event that the Purchaser becomes aware prior to Closing that any
of the warranties or representation set forth in this Section XI, are untrue
(either at the time made or as the result of some change in facts occurring
after the execution of this Agreement but before Closing), then the Purchaser
shall promptly give written notice thereof to Seller and, after receipt of such
notice, Seller shall utilize its best efforts at its sole cost and expense,
including the institution and prosecution of appropriate suits, to render such
representation true and correct. Seller shall have at least thirty (30) days to
render such representation true and correct and the Closing shall be extended by
the number of days necessary to give Seller such time to perform. If Seller is
unable to render all such representations true and correct by Closing, as same
may have been extended as aforesaid, the Purchaser may either: (i) terminate
this Agreement and in such event all deposits placed hereunder by the Purchaser
(together with all interest earned thereon) shall be returned to the Purchaser
and the parties to this Agreement shall be relieved of all further obligations
under this Agreement; except for such obligations which are specified in this
Agreement to survive the termination of this Agreement; or (ii) elect to close
the contemplated transaction, notwithstanding the failure of such representation
and warranty, in which event such Closing shall be deemed as a waiver by the
Purchaser of the failure of such representation and warranty.

SECTION XII.  TIME OF THE ESSENCE AND COOPERATION.
              ------------------------------------

         Time of performance by each party of each and every provision or
covenant herein contained is of the essence of this Agreement. Any reference
herein to time periods of less than six (6) days shall, in the computation
thereof, exclude Saturdays, Sundays and legal holidays and any time period
provided for herein which shall end on a Saturday, Sunday or legal holiday,
shall extend to 5:00 p.m. of the next business day.

SECTION XIII. PRORATIONS AND ADJUSTMENTS.
              ---------------------------

         Real property taxes and assessments affecting the Property, based upon
the current year's assessment shall be prorated as of the Effective Date and if
the exact amount of the tax is unknown at the time of Closing, the same shall be
based upon the previous year's maximum discount amount and thereafter prorated
and adjusted between the parties when tax bills are issued (based on November
tax payment). In addition, all insurance premiums paid with respect to the
Property shall be prorated as of the Effective Date.

SECTION XIV.  EXPENSES.
              ---------

         Documentary stamps and surtax upon the Special Warranty Deed and the
cost of recording any corrective title instruments shall be paid for by Seller.
The cost to record the Special Warranty Deed, the cost of obtaining the
Commitment, the cost of obtaining the Survey

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<PAGE>
and the premium for issuance of the Owner's Policy of Title Insurance shall be
paid for by the Purchaser.

SECTION XV.   SPECIAL ASSESSMENT LIENS.
              -------------------------

         Certified, confirmed and ratified special assessment liens as of the
date of Closing are to be paid by Seller. Pending liens as of the date of
Closing shall be assumed by the Purchaser, provided, however, that where the
improvement has been substantially completed as of the date of Closing such
pending lien shall be considered as certified, confirmed or ratified and Seller
shall, at Closing, be charged an amount equal to the last estimate by the public
body of the assessment for the improvement. Such estimate shall, at the request
of either party to the transaction, be readjusted upon receipt of the actual
billing.

SECTION XVI.  CONDEMNATION.
              -------------

         In the event that the Property, or any portion thereof is taken by
eminent domain prior to Closing, or any governmental authority shall have
notified Seller that it proposes to take the Property, or any portion thereof,
by eminent domain proceedings, then and in that event, the following shall
apply:

         A. In the event that the eminent domain proceeding shall affect a minor
portion of the Property (and does not prevent construction of Townhomes pursuant
to the Approved Site Plan) then, and in that event, the Closing shall take place
in accordance with the provisions of this Agreement and, at the time of Closing,
Seller shall execute and deliver to Purchaser an assignment of the condemnation
award, in form and content reasonably satisfactory to the attorneys for the
Purchaser.

         B. In the event that the eminent domain proceeding shall affect a major
portion of the Property (for the purposes hereof, a "major portion of the
Property" shall mean a taking which would, in Purchaser's reasonable judgment,
materially affect the future operation of the Property for the specific use
intended by the Purchaser), then, and in that event, the Purchaser shall have
the option of either canceling this Agreement and receiving the return of all
deposits heretofore tendered by the Purchaser (in which event this Agreement
shall be null and void except for such matters which survive termination of this
Agreement) or proceeding with the Closing, in which event, at the time of
Closing, Seller shall execute and deliver an assignment of the condemnation
award to the Purchaser in form and content reasonably satisfactory to the
attorneys for such Purchaser.

         C. Seller shall promptly advise Purchaser of any notice of condemnation
that it may receive prior to Closing from any governmental or quasi-governmental
entity.

SECTION XVII. CONDITIONS TO PURCHASER'S OBLIGATIONS.
              --------------------------------------

         The Purchaser's obligation to complete the Closing under this Agreement
is expressly conditioned upon the following, and the Purchaser shall have the
right, exercisable at any time and from to time, to waive any one or more of
such conditions without affecting any of the Purchaser's other rights,
conditions or obligations:

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<PAGE>
         A. All of the representations and warranties of the Seller herein shall
be true and correct as of the date of Closing; and

         B. The Seller shall have performed all of the covenants and obligations
to be performed by the Seller under this Agreement.

SECTION XVIII. DEFAULT.
               --------

         If the Purchaser shall default with respect to its obligations
hereunder (and such default is not cured within five (5) days from the date the
Purchaser receives written notice of such default), all deposits heretofore
tendered or which should have been tendered by the Purchaser, together with all
interest earned thereon, shall be tendered to and shall be retained by the
Seller as full and complete liquidated damages, consideration for the execution
of this Agreement and in full settlement of any claims; whereupon all parties
shall be relieved of all further obligations under this Agreement (save and
except for all indemnification provisions contained in this Agreement which
shall continue in full force and effect and shall survive any termination of
this Agreement). If the Seller shall default with respect to its obligation
under this Agreement (and such default is not cured within five (5) days from
the date the Seller receives written notice of such default), the Purchaser may
only seek specific performance of the Seller's obligations hereunder or elect to
receive the return of the Deposit, together with all interest earned thereon. In
no manner and in no event shall the Purchaser have the right to recover damages
from the Seller arising from any default by the Seller with respect to the
Seller's obligations under this Agreement. The remedies set forth in this
Section XVIII shall be the Seller's and the Purchaser's sole and exclusive
remedies.

SECTION XIX.  NOTICES.
              --------
         Notice (the "Notice") to either party hereto shall be in writing and
shall be deemed duly given if sent (i) by United States mail, certified or
registered, return receipt requested, with postage prepaid, (ii) by a reputable
courier service (such as Federal Express), or (iii) by telex or telecopy, in
which event a photocopy of the Notice shall be sent by first class, registered
or certified mail or by a reputable courier service (such as Federal Express)
within twenty-four (24) hours after the telex or telecopy. In each event, the
Notice shall be addressed or sent by facsimile as follows:

              PURCHASER:                BAY HARBOR ISLAND ASSOCIATES, L.P.
                                        200 S. BROAD STREET
                                        SUITE 600
                                        PHILADELPHIA, PA 19102
                                        ATTENTION: SAMUEL W. SWITZENBAUM

                                        Telephone No.:    215-772-1100
                                        Facsimile No.:    215-772-9520

              With a Copy to:           DAVID S. MANDEL, ESQUIRE
                                        ASTOR WEISS KAPLAN & MANDEL, LLP
                                        200 S. BROAD STREET

                                        9
<PAGE>
                                        SUITE 600
                                        PHILADELPHIA, PA 19102

                                        Telephone No.:    215-790-0100
                                        Facsimile No.:    215-400-2225

              SELLER:                   NATIONAL RESIDENCE PROPERTIES
                                        6915 RED ROAD #222
                                        CORAL GABLES, FL  33143

                                        Telephone No.:    305-666-6565
                                        Facsimile No.:    305-666-3994
                                        Attention:  RICHARD ASTROM, President

              With a Copy To:           LEOPOLD, KORN & LEOPOLD, P.A.
                                        20801 Biscayne Boulevard, Suite 501
                                        Aventura, FL 33180

                                        Telephone No.:    (305) 935-3500
                                        Facsimile No.:    (305) 935-9042
                                        Attention:        GARY A. KORN, Esquire

SECTION XX.   BROKERS.
              --------

         The parties each represent and warrant to the other that no real estate
broker, salesman or finder has been involved in this transaction. If a claim for
brokerage in connection with the transaction is made by any broker, salesman or
finder, claiming to have dealt through or on behalf of one of the parties hereto
(the "Indemnitor"), said Indemnitor shall indemnify, defend and hold the other
party hereunder, and such other party's officers, directors, partners, agents
and representatives (collectively the "Indemnitee") harmless from all
liabilities, damages, claims, costs, fees and expenses whatsoever (including
reasonable attorneys' fees and court costs) with respect to said claim for
brokerage. The provisions of this paragraph shall survive the closing of the
transactions contemplated by this Agreement or the earlier termination of this
Agreement.

SECTION XXI.  ESCROW AGENT.
              -------------

         The Escrow Agent shall immediately deposit for collection and shall
hold all Deposits delivered to Escrow Agent. Escrow Agent shall not be
accountable for the yield earned on such escrow account, except for interest
actually earned.

         If there is any dispute as to whether the Escrow Agent is obligated to
deliver any monies which it holds or to whom said monies are to be delivered,
the Escrow Agent shall not be obligated to make any delivery, but in such event
the Escrow Agent may hold same until receipt by the Escrow Agent of an
authorization in writing signed by all of the parties having an interest in such
dispute directing the disposition of same; or, in the absence of such
authorization, the Escrow Agent may hold such monies with interest thereon until
the final determination of the rights of the parties pursuant to appropriate
legal proceedings. If such written authorization is

                                       10
<PAGE>
not given or such legal proceeding for determination not commenced and
diligently continued, the Escrow Agent may bring an appropriate action or
proceeding for leave to deposit the monies it holds in escrow in court, pending
such determination. In the event the Escrow Agent places the monies it holds in
escrow in the registry of the Court having jurisdiction with regard to this
transaction and files en action of interpleader naming the parties hereto, the
Escrow Agent shall be released and relieved from any and all further obligations
and liability hereunder. The Escrow Agent shall not be responsible for any acts
or omissions except for willful misconduct or gross negligence. In the event of
any dispute with regard to the monies which are being held by Escrow Agent, then
with respect to the costs and expenses incurred by Escrow Agent in connection
with the filing of an interpleader action (including, but not limited to,
reasonable attorneys' and paralegals' fees for Escrow Agent's attorneys) the
non-prevailing party hereby indemnifies and holds Escrow Agent harmless from all
loss, cost or expense including, but not limited to, attorneys' fees and court
costs through all trial and appellate levels incurred by Escrow Agent in
connection with this Agreement.

SECTION XXII. MISCELLANEOUS PROVISIONS.
              -------------------------

         A. The term "Effective Date", as used within this Agreement, shall be
the date when this Agreement shall have been fully executed by both the Seller
and the Purchaser and an executed copy of this Agreement has been received by
both the Seller and the Purchaser.

         B. At Closing, the Purchaser shall reimburse the Seller for the
following items, fees, costs and expenses, as set forth on Schedule "A" attached
hereto and made a part hereof:

                  1. All fees and costs paid by the Seller to Oscar Sklar,
Steven Goldner and the law firm of Bercow & Radell (and/or to entities
associated with each of the foregoing) in relation to the development of the
Property.

                  2. All loan extension fees, closing costs, lender's attorney
fees for extensions (such fees and closing costs not to exceed $12,500.00) and
interest payments tendered by the Seller to the holders of the first mortgage
and the second mortgage encumbering the Property , from and after March 29,
2005.

         C. THE PURCHASER ACKNOWLEDGES AND AGREES THAT EXCEPT FOR THE WARRANTIES
SET FORTH HEREIN AND IN THE CLOSING DOCUMENTS, PURCHASER SHALL ACCEPT THE
PROPERTY BEING PURCHASED IN AN "AS IS" AND "WHERE IS" CONDITION WITH ALL FAULTS
AND THERE ARE NO REPRESENTATIONS OR WARRANTIES, EXPRESSED OR IMPLIED, COLLATERAL
TO OR AFFECTING THE PROPERTY, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF
MERCHANTABILITY OR HABITABILITY. THE TERMS AND PROVISIONS OF THIS PARAGRAPH
SHALL SURVIVE CLOSING.

         D. This Agreement constitutes the entire agreement and understanding
between the parties with respect to the subject matter hereof and may not be
amended, modified, altered or changed in any respect whatsoever except by
further agreement in writing duly executed by the parties hereto.

                                       11
<PAGE>
         E. The captions of this Agreement are for convenience and reference
only and in no way define, describe, extend or limit the scope or intent of this
Agreement or the intent of any provision hereof.

         F. This Agreement shall be binding upon and shall inure to the benefit
of the parties hereto and their respective successors and personal
representatives. Wherever the context permits, singular shall include the plural
and vice versa and one gender shall include all genders.

         G. This Agreement shall be governed in its enforcement and construction
and interpretation by the laws of the State of Florida. All of the parties to
this Agreement have participated fully in the negotiation and preparation hereof
and, accordingly, this Agreement shall not be more strictly construed against
any one of the parties hereto.

         H. This Agreement may be executed in counterparts by the parties hereto
and each shall be considered an original insofar as the parties hereto are
concerned but together said counterparts shall comprise only one agreement.

         I. The rights of the Purchaser hereunder shall be assignable only with
the prior written consent of the Seller, which prior written consent shall not
be unreasonably withheld or delayed, except that the rights of the Purchaser
hereunder shall be assignable to an entity which is a subsidiary or an affiliate
of the Purchaser without the necessity of obtaining the prior written consent of
the Seller.

         J. All of the Exhibits attached to this Agreement are incorporated
into, and made a part of, this Agreement.

         K. In the event any term or provision of this Agreement shall be
determined by appropriate judicial authority to be illegal or otherwise invalid,
such provision shall be given its nearest legal meaning or be construed as
deleted as such authority determines, and the remainder of this Agreement shall
be construed to be in full force and effect.

         L. Radon is a naturally occurring radioactive gas that, when it has
accumulated in a building in sufficient quantities, may present health risks to
persons who are exposed to it over time. Levels of radon that exceed federal and
state guidelines have been found in buildings in Florida. Additional information
regarding radon and radon testing may be obtained from your county public health
unit.

                  (SIGNATURES CONTAINED ON THE FOLLOWING PAGE)

                                       12
<PAGE>

Signed, Sealed and Delivered              SELLER:
  in the Presence of:
                                          NATIONAL RESIDENTIAL PROPERTIES,
                                          INC, a Nevada corporation

                                          /s/ RICHARD ASTROM
                                          President

                                          PURCHASER:
                                          RAY HARBOR ISLAND ASSOCIATES, L.P.

                                          BY:  B.H.I.  LLC

                                          /s/   SAMUEL W. SWITZENBAUM
                                          --------------------------------------
                                          Samuel W. Switzenbaum, Managing Member

                                       13SUBLEASE AGREEMENT

THIS SUBLEASE AGREEMENT (this “Sublease”) is made and entered into effective this     day of                             , 2005 (the “Effective Date”), by and among BEARINGPOINT, INC., a Delaware corporation (“Sublandlord”); HEALTHAXIS, INC., a Pennsylvania corporation, and HEALTHAXIS, LTD., a Texas limited partnership (collectively, “Subtenant”, and the same are jointly and severally liable for the obligations of either of them hereunder; and Sublandlord and Subtenant may sometimes hereinafter be collectively referred to as the “Parties”).

RECITALS

A. GPI Plaza, LP, a Texas limited partnership (“Prime Landlord”), and KPMG LLP, a Delaware limited liability partnership (“Original Tenant”), entered into that certain Office Lease dated February 29, 2000 (the “Original Lease”), a copy of which is attached hereto as Exhibit A, pursuant to which Original Tenant leased approximately 76,059 rentable square feet of rentable area (as affected by the amendments described below, the “Premises”), all situated in that certain real property currently commonly known as 7301 North State Highway 161, Irving, Texas (the “Building”).

B. The Original Lease was subsequently assigned to and assumed by BearingPoint, LLC, a Delaware limited liability company (f/k/a KPMG Consulting, LLC) pursuant to the terms of that certain Assignment And Assumption Agreement dated February 1, 2000 (the “KPMG Assignment”), a copy of which is attached hereto as Exhibit B.

C. The Original Lease was subsequently assigned to and assumed by Sublandlord, pursuant to the terms of that certain Assignment And Assumption Agreement dated effective March 1, 2004 (the “BearingPoint Assignment”), a copy of which is attached hereto as Exhibit C.

D. The Original Lease was subsequently amended pursuant to the terms of that certain Second Amendment To Lease Agreement dated effective March 1, 2004, pursuant to which certain signage rights were granted to Prime Landlord (the “First Amendment”; and for the purposes of this Sublease, the Original Lease, the KPMG Assignment, the BearingPoint Assignment, and the First Amendment may sometimes hereinafter be collectively referred to as the “Prime Lease”), a copy of which is attached hereto as Exhibit D.

E. Sublandlord desires to sublease a portion of the premises demised under the Original Lease to Subtenant, and Subtenant desires to sublease such premises from Sublandlord, upon the terms and subject to the conditions set forth in this Sublease.

PROVISIONS

NOW THEREFORE, for and in consideration of the mutual covenants and agreements contained herein and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:

1. Recitals. Subtenant and Sublandlord acknowledge the above Recitals to this Sublease are true and correct, and the same are incorporated by reference into the body of this Sublease.

2. Sublease Premises. Sublandlord hereby subleases to Subtenant, and Subtenant hereby subleases from Sublandlord, a portion of the premises demised under the Original Lease, which the

Parties stipulate to contain 20,000 rentable square feet of office space situated on the 3RD Floor of the Building (the “Sublease Premises”), as more particularly shown on Schedule 2.

3. Furniture, Fixtures, And Equipment Included. Sublandlord shall grant to Subtenant its license to use those items of furniture, fixtures, and equipment described on Schedule 3(a) (the “Personalty”) throughout the Term. With respect thereto, and effective upon the Sublease Term Commencement Date, Sublandlord will deliver its License Agreement, identical in form to the License Agreement attached hereto as Exhibit 3(b). Provided an Event of Default is not then continuing under this Sublease, the Personalty shall be conveyed to Subtenant effective April 1, 2007 (the “Conveyance Date”). With respect thereto, and effective upon the Conveyance Date, Sublandlord shall deliver its Bill Of Sale And Assignment Of Interest, identical in form to the Bill Of Sale And Assignment Of Interest attached hereto as Exhibit 3(c).

4. Term. The initial term of this Sublease shall commence on April 1, 2005 (the “Sublease Term Commencement Date”), and continue through and including June 30, 2010 (the “Term”), unless sooner terminated as provided hereunder.

5. Rent.

(a) Base Rent. Base rent under this Sublease shall be payable commencing upon the Base Rent Commencement Date and continuing through June 30, 2010. Subtenant shall pay base rent to Sublandlord as follows:

(i) Commencing on the Rent Commencement Date and continuing through and including March 31, 2007, Base Rent shall be payable in the amount of Twenty-Three Thousand Three Hundred Thirty-Three And 33/100 Dollars ($23,333.33) per month, based upon a rate equal to Fourteen Dollars ($14.00) per rentable square foot. For the purposes of this Sublease, the term, “Rent Commencement Date,” shall mean January 1, 2006.

(ii) Commencing on April 1, 2007 and continuing through and including March 31, 2009, Base Rent shall be payable in the amount of Twenty-Five Thousand Four Hundred Sixteen And 67/100 Dollars ($25,416.67) per month, based upon a rate equal to Fifteen And 25/100 Dollars ($15.25) per rentable square foot.

(iii) Commencing on April 1, 2009 and continuing through and including June 30, 2010, Base Rent shall be payable in the amount of Twenty-Five Thousand Eight Hundred Thirty-Three And 33/100 ($25,833.33) per month, based upon a rate equal to Fifteen And 50/100 Dollars ($15.50) per rentable square foot.

For the purposes of this Sublease, each of the rental payments more particularly described in sub-Paragraphs 5(a)(i) through (iii) may sometimes hereinafter be collectively referred to as “Base Rent.” Each monthly installment of Base Rent shall be payable in advance on the first day of each calendar month without notice or demand and, unless provided herein, without set-off, deduction, or abatement. In the event the Term commences, expires, or is earlier terminated on a day which is not the first day of a given calendar month, Base Rent payments shall be prorated based upon the ratio the number of days elapsed from the date of commencement, expiration, or termination bears to a thirty (30) day month.

(b) Operating Expenses. In addition to Base Rent, commencing on the Sublease Term Commencement Date, Subtenant shall remit its allocation of Tenant’s Pro Rata Share of Operating

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Expenses as more particularly described in the Prime Lease, subject to the terms of this Sublease (“Subtenant OPEX”). Provided, however, for the purposes of this Sublease, the following defined terms within the Original Lease shall bear the following meanings, “Base Operating Expense,” shall mean an amount equal to the actual Operating Expenses for calendar year 2005 (the “Base Year”), as the same relate to the Sublease Premises; “Actual Operating Expense Increase” shall mean the actual Operating Expenses for the applicable calendar year, as the same relate to the Sublease Premises, less the Base Operating Expense; and “Estimated Operating Expense Increase” shall mean Sublandlord’s reasonable estimate of Subtenant OPEX for the applicable calendar year, less the Base Operating Expense; and the expression, “as the same relate to the Sublease Premises

,” shall mean twenty-six and 30/100 percent (26.30%). Notwithstanding the provisions of Section 5.01 of the Prime Lease, commencing April 1, 2006, and continuing throughout each Lease Year of the Term, Subtenant OPEX shall not be increased greater than three percent (3%) over Subtenant OPEX payable for the prior Lease Year. For the purposes of this Sublease, the term “Lease Year,” shall mean the twelve (12) month period commencing on the Sublease Term Commencement Date and each anniversary thereafter throughout the Term, and expiring on that date which arises 365 days following either of them. Expressed in formulaically, the obligation of Subtenant for the payment of Operating Expenses shall be:

Actual Operating Expense Increase:

	
	 	Actual Operating Expense for the calendar year then-ended, less Base Operating Expense, multiplied by 26.30, minus Estimated Subtenant OPEX remitted throughout the subject calendar year = Subtenant OPEX.

Estimated Operating Expense Increase:

Sublandlord’s Estimate of Subtenant OPEX for the current calendar year, less Base Operating Expense, multiplied by 26.30, divided by 12 = Estimated Subtenant OPEX

(c) Additional Rent. As Additional Rent under this Sublease, Subtenant shall pay additional charges due and owing under this Sublease, which additional charges shall include, without limitation, (i) the portion of Tenant’s Electricity Charge applicable to the Sublease Premises, which shall be based upon the ratio the rentable square footage of the Sublease Premises bears to the Premises, (ii) costs and expenses due from Subtenant and accruing to Sublandlord under this Sublease, to include, interest accruals on past-due Rent payments, costs of collection under this Sublease, and related expenses, if any, accruing to Sublandlord in enforcing its rights under this Sublease; (iii) the costs associated with Subtenant-requested after-hours HVAC service, excess electrical consumption, and related supplemental services which exceed Building standard provision therefor, payable at Sublandlord’s actual c

ost; (iv) Subtenant OPEX, as defined at Paragraph 5(b) above; and (v) an allocation of those costs deemed Rent under the Prime Lease, or arising from acts or omissions of Subtenant; provided, however, in the event any Rent assessment under the Prime Lease is assessed based upon Tenant’s Pro Rata Share, Subtenant shall remit 26.30% of such Rent assessment, which percentage evidences the ratio the rentable square footage of the Sublease Premises bears to the rentable square feet of the Premises. Except for the monthly payment of the Estimated Operating Expense Increase, which shall be payable monthly in conjunction with the payment of Base Rent, such additional charges shall be due and payable by Subtenant within thirty (30) days of receipt of invoice therefor received from Sublandlord.

(d) Security Deposit. Concurrently with the execution of this Sublease, Subtenant shall pay to Sublandlord the sum of Twenty-Five Thousand Eight Hundred Thirty-Three And 33/100 Dollars ($25,833.33), which amount is equal to one month Base Rent at the then-payable rate with respect

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to the final two (2) years of the Term (and, for the purposes of this Sublease, such monies on deposit with Sublandlord from time to time pursuant to this Paragraph 5(d)

 to time, without waiving any other remedy available to Sublandlord, use or draw on the Deposit, or any portion of it, to the extent necessary to cure or remedy the default or to compensate Sublandlord for all or a part of the damages sustained by Sublandlord resulting from Subtenant’s default. Subtenant shall immediately pay to Sublandlord within five (5) days following demand, the amount so applied in order to restore the Deposit to its original amount, and Subtenant’s failure to immediately do so shall constitute a default under this Sublease. If Subtenant is not in default with respect to the covenants and obligations set forth in this Sublease at the expiration or earlier termination of this Sublease, Sublandlord shall return the Deposit to Subtenant after the expiration or earlier termination of this Sublease. Sublandlord’s obligations with respect to the Deposit are those of a debtor and not a trustee. Sublandlord shall not be required to maintain the Deposit separate and apart from Sub

landlord’s general or other funds and Sublandlord may commingle the Deposit with any of Sublandlord’s general or other funds. Subtenant shall not at any time be entitled to interest on the Deposit.

(e) Late Fees and Returned Check Charges. In addition to any other remedy set forth in this Sublease, at law, or accruing to the Parties under the Prime Lease, if payment of Rent is not made by the fifth business day following the date on which such amount is due and payable, Subtenant shall pay to Sublandlord a late charge equal to the greater of (i) Two Hundred Fifty Dollars ($250.00), or (ii) five percent (5%) of such overdue payment. In the event any check of Subtenant is returned to Sublandlord for non-payment, Sublandlord shall assess an administrative charge in the amount of Fifty Dollars ($50.00) on each check so returned. Subtenant shall pay any late fee or returned check administrative charge on the first day of the month following the month in which such fee or charge was incurred. Upon incurrence, such fee or charge shall be deemed Additional Rent.

(f) Rent; Defined. For the purposes of this Sublease, Base Rent and Additional Rent, and the payment of any other monies payable by Subtenant under this Sublease may sometimes hereinafter be collectively referred to as “Rent”.

6. Sublease Premises Not Separately Demised. Sublandlord and Subtenant acknowledge and agree the Sublease Premises is not separately demised from the third floor Premises. Throughout the Term, Subtenant covenants it will honor the parameters of the Sublease Premises, as more particularly described on Schedule 2. In the event Subtenant desires to expand the Sublease Premises into the remaining third floor Premises (the “Expansion Premises”), such expansion shall be evidenced by a written amendment to this Lease. The rental rate for the Expansion Premises shall be the Base Rent and Additional Rent then-payable under this Sublease; provided, however, Subtenant’s allocation of Tenant’s Pro Rata Share shall be increased to reflect the inclusion of the Expansion Premises within the Sublease Premises.

7. Tenant Improvements. Subtenant acknowledges Subtenant shall be solely responsible and liable for constructing any and all improvements to the Sublease Premises. Sublandlord is not obligated to make any improvements to the Sublease Premises. Prior to commencing the construction of

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any work in the Sublease Premises, if any, Subtenant will deliver to Sublandlord full, complete working drawings and specifications for the improvements Subtenant desires to construct in the Sublease Premises, as well as the names, addresses, and qualifications of all prospective architects, engineers, and contractors which Subtenant intends to use for performance of the Sublease Premises improvements (collectively, the “TI Materials”). Sublandlord will notify Subtenant of its approval or disapproval of the TI Materials within fifteen (15) calendar days of receipt thereof by Sublandlord; in the event approval or disapproval is not received within such fifteen (15) calendar day period, the TI Materials shall be deemed approved by Sublandlord. Sublandlord shall not unreasonably withhold or condition its approval of the TI Materials; provided the TI Materials are approved by Prime Landlord. For the p

urposes of this Sublease, the approved working drawings and specifications are referred to as the “Plans and Specifications,” the improvements shown thereon are referred to as the “Tenant Improvements,” and the approved general contractor is referred to as the “Contractor”. Before commencing any Tenant Improvements, Subtenant will deliver to Sublandlord certificates evidencing proof of insurance of the type required below, as well as copies of all necessary permits and licenses. Throughout the performance of the Tenant Improvements, Subtenant shall maintain in full force and effect builder’s “all risk” insurance and general liability insurance in amounts, types, and with carriers reasonably acceptable to Sublandlord, as well as workers’ compensation coverage as required by law. Such insurance policies shall name Prime Landlord, Sublandlord, and such additional parties as Sublandlord may reasonably request, provided such beneficiary designation is allowed unde

r the Prime Lease, as additional insureds. In all events, Subtenant shall cause the Tenant Improvements to be constructed (a) promptly by the approved Contractor, (b) in a good and workmanlike manner, (c) in compliance with all applicable laws, ordinances, codes, permits, licenses and insurance requirements, (d) in full compliance with all of the reasonable rules and regulations applicable to third party contractors and suppliers performing work at the Building, (e) in compliance with any security requirements of Sublandlord or Prime Landlord, (f) subject to the approval of Sublandlord and Prime Landlord, (g) in compliance with the Prime Lease, and (h) entirely at Subtenant’s sole cost and expense.

Sublandlord may oversee the construction of the Tenant Improvements. Immediately after completing the Tenant Improvements, Subtenant shall furnish Sublandlord with a certificate of occupancy, requisite Contractor affidavits, full and final lien waivers (sufficient under Texas law to extinguish all lien rights), and receipted bills covering all labor and materials expended and used in connection with the Tenant Improvements. Subtenant hereby releases and will indemnify, protect, defend (with counsel reasonably acceptable to Sublandlord), and hold harmless Sublandlord, Prime Landlord, and their respective agents and employees from and against any and all claims, damages, causes of action, liabilities, or expenses in any manner relating to or arising out of any work performed, materials furnished, or obligations incurred by or for Subtenant or any person or entity claiming by, through, or under Subtenant, in connection with any Tenant Improveme

nts.

8. Parking. Throughout the Term and subject to the Prime Lease, Subtenant is hereby granted a limited license to utilize (a) surface parking spaces equal to ninety (90) unreserved spaces, and two (2) reserved spaces; and (b) covered parking spaces equal to twenty-five (25) unreserved spaces, and seven (7) reserved spaces, at no additional charge to Subtenant.

9. Subtenant Obligations.

(a) Repairs and Maintenance. Except for any Tenant Improvements, Subtenant shall maintain the Sublease Premises in the same condition in which the same was received by Subtenant on the Sublease Term Commencement Date, reasonable wear and tear excepted.

5

(b) Janitorial Services. Janitorial services shall be provided to the Sublease Premises subject to the provisions of the Prime Lease. Only to the extent building standard cleaning costs are not included in Operating Expenses, Subtenant shall enter into a direct contract with its own janitorial service company, or that approved by Prime Landlord, and Sublandlord shall bear no responsibility or liability to Subtenant with regard to such janitorial service or the daily maintenance and cleaning of the Sublease Premises.

10. Insurance.

(a) General Public Liability And Property Damage Coverage Required. Throughout the Term, Subtenant shall carry and maintain commercial general public liability and property damage insurance in the coverage types and amounts as required under the Prime Lease. Such policies shall be underwritten by such insurance companies as are satisfactory to Sublandlord, in its reasonable discretion. All such policies shall be issued by companies licensed to do business in the state in which the Sublease Premises is located. Each insurance policy maintained by Subtenant shall insure Subtenant, as principal insured, and provide Sublandlord and Prime Landlord with coverage as additional insureds, in connection with any liability arising out of events occurring on or about the Sublease Premises or with respect to the use and occupancy thereof. Each policy required hereunder shall contain a provision requiring each
insurer

 to provide Sublandlord and Prime Landlord with thirty (30) days written notice prior to canceling or terminating such policy for any reason, including expiration of the coverage period. Upon execution of this Sublease, Subtenant shall deposit a certificate evidencing such insurance coverages in the care of Sublandlord.

(b) All-Risk Property Insurance Coverage Required. Throughout the Term, Subtenant shall maintain all-risk property insurance for the full replacement value of Subtenant’s inventory, personal property, equipment, trade fixtures, and other personal property, including the Personalty, located in the Sublease Premises.

(c) Obligation of Subtenant; Premium Payment. Subtenant shall procure and pay for renewals of its insurance from time to time prior to the expiration thereof. Subtenant shall additionally deliver to Sublandlord any renewal policy or certificate at least thirty (30) days prior to the expiration of any existing policy.

(d) Waiver of Subrogation. Sublandlord and Subtenant each waives its right of recovery against the other and releases the other from any claim arising out of loss, damage, or destruction to the Sublease Premises and the personal property situated therein, whether or not such loss, damage, or destruction may be attributable to the fault or negligence of either Party or its respective agents, invitees, contractors, or employees. Each Party shall look solely to the proceeds of its casualty insurance policy (and to its own funds, to the extent it is self-insured) to compensate it for any such loss, damage, or destruction. Sublandlord and Subtenant acknowledge and agree any policies currently existing or obtained on or after the Effective Date (including any renewals of the same) shall include a clause or endorsement to the effect any such release shall not adversely affect or impair such policies or
prejudic
e the right of the releaser to recover thereunder.

11. Damage, Destruction or Condemnation of the Sublease Premises. In the event of damage or destruction of the Sublease Premises or the taking of all or any part thereof under the power of eminent domain, this Sublease shall terminate only if the Prime Lease is terminated as a result thereof. In the event of any such occurrence, Rent payable hereunder shall abate only as long as and to the extent the rent due from Prime Tenant to Prime Landlord under the Prime Lease with respect to the Sublease Premises

6

abates as a result thereof. Subtenant shall possess no claim against Sublandlord or Prime Landlord arising out of or related to any such damage or taking, or for any portion of the amount that may be awarded as a result; provided, however, Subtenant may assert any claim it may have against the condemnation authority for compensation associated with the loss of any property of Subtenant in connection with such action and for any relocation expenses compensable by statute, provided such awards are in addition to, and stated separately from, any award made in connection with the Building and the Premises. In no event shall Sublandlord or Prime Landlord be liable to Subtenant for any damages related to (a) business interruption or diminution in use of the Sublease Premises, or (b) the value of any unexpired portion of the Term.

12. Risk of Loss. All personal property, including the Personalty, of Subtenant and its employees, agents, contractors, or invitees in or about the Sublease Premises, or elsewhere on or about the Premises, shall be kept and stored at Subtenant’s sole risk. Subtenant shall hold Sublandlord harmless from any claims arising out of damage to, or loss of, the same, resulting from, but not limited to (i) any act (including theft) or omission, (ii) roof leaks, (iii) burst, ruptured, leaking, or overflowing pipes, heating or plumbing fixtures, (iv) fire or other casualty, (v) malfunction of electrical wires or fixtures, or (vi) failure of HVAC systems. Sublandlord shall not be liable for any interruption of or loss to Subtenant’s business arising from any of the above-described occurrences, or any indirect or consequential damages sustained by Subtenant arising out of the loss of or damage to any
such
property.

13. Representations And Warranties Of Sublandlord. As a material inducement to Subtenant to enter into this Sublease and consummate the transactions contemplated by this Sublease, Sublandlord represents and warrants to Subtenant, as follows:

(a) AS-IS Basis. Sublandlord makes no representation or warranty as to the Premises or the Sublease Premises, including, without limitation, any representation or warranty with respect to fitness for particular use; condition of the Premises, Sublease Premises, or the Personalty; applicable zoning restrictions imposed upon the Premises; or otherwise. The Sublease Premises is demised to Subtenant on an “AS IS” basis.

(b) Authority. Sublandlord is a corporation duly incorporated, validly existing, and in good standing under the laws of the State of Delaware, and has all requisite corporate power and authority to enter into this Sublease. The execution and delivery of this Sublease and the consummation of the transactions contemplated by this Sublease are duly authorized by all necessary action of Sublandlord.

(c) No Default. Sublandlord is not in default under the Prime Lease or, to its knowledge, any other instrument upon which its performance hereunder is or might be conditioned.

14. Representations And Warranties Of Subtenant. As a material inducement to Sublandlord to enter into this Sublease and consummate the transactions contemplated by this Sublease, Subtenant represents and warrants to Sublandlord, as follows:

(a) Sublease Premises; Inspection Thereof. Subtenant has been afforded the opportunity to undertake a full and complete investigation, examination, and inspection of the Sublease Premises. Subtenant has determined the Sublease Premises is suitable for Subtenant’s intended use, and Subtenant shall bear full responsibility and liability for any special requirements in connection with Subtenant’s use of the Sublease Premises.

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(b) Acceptance of the Sublease Premises. Subtenant accepts the Sublease Premises on an “AS IS” basis, without benefit of any representation or warranty of any kind by Sublandlord.

(c) Authority. HealthAxis, Inc. is a corporation duly incorporated, validly existing, and in good standing under the laws of the State of Pennsylvania, and has all requisite corporate power and authority to enter into this Sublease. HealthAxis, Ltd., is a limited partnership, duly formed, validly existing, and in good standing under the laws of the State of Texas, and has all requisite partnership power and authority to enter into this Sublease. The execution and delivery of this Sublease and the consummation of the transactions contemplated by this Sublease are duly authorized by all necessary actions of Subtenant, and upon execution by Subtenant, shall evidence an enforceable obligation of Subtenant.

15. Covenants of Sublandlord.

(a) Duty of Sublandlord; Prime Landlord Obligations. Sublandlord shall use its commercially reasonable efforts to cause Prime Landlord to observe or perform any obligations of Prime Landlord under the Prime Lease. In the event Subtenant discovers an existing event of default or non-performance by Prime Landlord, and Subtenant notifies Sublandlord of such default or non-performance, Sublandlord shall promptly notify Prime Landlord of such event of default or non-performance under the Prime Lease and request Prime Landlord to perform its obligations under the Prime Lease.

(b) Timely Payment. Sublandlord shall remit all payments required to be made to Prime Tenant under the Prime Lease as and when due, in order to maintain the Prime Lease in full force and effect.

(c) Continued Efficacy of Prime Lease. Sublandlord shall maintain the Prime Lease as it relates to the Sublease Premises during the entire term of this Sublease, subject, however, to any early termination of the Prime Lease, without the fault of Sublandlord.

(d) No Surrender. Sublandlord shall not surrender the Prime Lease to the Prime Landlord insofar as it relates to the Sublease Premises.

(e) Designated Sublease Administrator. Jones Lang LaSalle Americas, Inc. performs lease administration on behalf of Sublandlord. The point of contact with respect to the Sublease Premises at Jones Lang LaSalle Americas, Inc. is Amy Brooks, who may be reached at 904.359.9329.

16. Covenants of Subtenant.

(a) Inurement of Certain Prime Lease Provisions. Except as amended or modified by this Sublease, all rights, obligations, and duties of Tenant under the Prime Lease shall inure to Subtenant. Subtenant shall assume and perform all of the duties, covenants, agreements, and obligations of Prime Tenant, in its capacity as Tenant under the Prime Lease, as and when required by the Prime Lease, as applicable to the Sublease Premises.

(b) Obligations of Prime Landlord. Subtenant shall look solely to Prime Landlord for the performance of Prime Landlord’s obligations under the Prime Lease. Subtenant shall possess no claim against Sublandlord by reason of any default upon the part of the Prime Landlord.

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(c) Use of the Sublease Premises. Subtenant shall use and occupy the Sublease Premises solely for general office use.

(d) Compliance with Laws. Throughout the Term and at the sole expense of Subtenant, Subtenant shall comply with all current and future laws, statutes (including The Americans With Disabilities Act of 1990 (42 U.S.C., Section 1201, et seq.), ordinances, orders, rules, regulations, and requirements of all federal, state and municipal governments, any instrumentality thereof, and the regulations of the board of fire underwriters having jurisdiction over the Sublease Premises (collectively, “Applicable Laws”), to the extent Applicable Laws require compliance within the Sublease Premises.

17. Prime Lease Interpretation; Certain Provisions Excluded. The following Sections and Articles of the Prime Lease shall not be applicable to this Sublease: Sections 2.02, 2.04, 3.01, 3.02, 3.03, 3.04, 3.05, 4.01, 4.02; Exhibit D-1; Rider 1, Rider 1, Schedule 1, Rider 2, Rider 3, and Rider 4. Except as excluded by this Paragraph 17, each right, obligation, and duty accruing to Tenant under the Prime Lease shall accrue to Subtenant under this Sublease with respect to the Sublease Premises, and, subject to the provisions of this Sublease, each right, obligation, and duty accruing to Landlord under the Prime Lease shall accrue to Sublandlord under this Sublease with respect to the Sublease Premises. In the event of any conflict or inconsistency between the terms and provisions of this Sublease and the terms and provisions of the Prime Lease, the terms and provisions of this Sublease, with respect to

 such conflict or inconsistency, shall govern and be binding for all such purposes. Defined terms not otherwise defined in this Sublease shall bear the meanings ascribed to such terms in the Prime Lease.

18. Subordination to Prime Lease. This Sublease is and shall be subject and subordinate to the terms and provisions of the Prime Lease from time to time. The Parties acknowledge and agree a copy of the Prime Lease has been delivered to and examined by Subtenant. The terms, covenants, and conditions set forth in the Prime Lease are incorporated herein by reference, except to the extent they are inapplicable or modified by the provisions of this Sublease. By executing this Sublease, Subtenant is entitled to no greater rights in the Sublease Premises than accrue to Sublandlord under the Prime Lease. Nothing contained in this Sublease shall be construed to create privity of estate or contract by and between Subtenant and Prime Landlord.

19. Indemnification.

(a) Indemnification by Subtenant. Except for the negligence or willful misconduct of Sublandlord, Subtenant shall indemnify, defend, and hold Sublandlord, and its employees and agents harmless from and against, any liability, damage, cost, or expense of any kind or nature, including court costs and reasonable attorneys’ fees, resulting from any failure by Subtenant to perform, keep, or obey the terms of this Sublease and the requirements of the Prime Lease with respect to the Sublease Premises, as provided under Paragraph 17. The obligation to indemnify hereunder shall operate whether or not Subtenant has placed and maintained the insurance specified by this Sublease and whether or not proceeds from such insurance are actually collectible; provided, however, the indemnifying party shall be relieved of its obligations of indemnity hereunder pro tanto of the amount of proceeds actually
r
ecovered by the indemnified party under such insurance. Subtenant shall additionally indemnify and hold Sublandlord harmless, with respect to the Sublease Premises, to the same extent Sublandlord is required to indemnify and hold Prime Landlord harmless under the Prime Lease.

(b) Indemnification by Sublandlord. Except to the extent any liability, damage, cost, or expense results directly from the negligence or willful misconduct of Subtenant or its employees, agents or contractors, Sublandlord shall indemnify, defend, and hold Subtenant, and its employees and

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agents, harmless from and against any liability, damage, cost, or expense of any kind or nature, including court costs and reasonable attorneys’ fees, which Subtenant may incur by reason of the negligence or willful misconduct on the part of Sublandlord, its employees, and agents, or by reason of the failure by Sublandlord to perform or obey the terms of this Sublease. Notwithstanding the foregoing, except for the negligence or willful misconduct of Sublandlord, its employees and agents as provided above, Sublandlord shall not be liable to Subtenant for any loss suffered by Subtenant under any circumstance, including, but not limited to circumstances arising in connection with (i) the negligence of Prime Landlord, its agents, servants, invitees, contractors, or subcontractors; (ii) defects, errors, or omissions in the construction or design of the Sublease Premises or the Premises, including the struct

ural and nonstructural portions thereof; (iii) the loss of or injury to Subtenant, Subtenant’s property, or any item or action for which Subtenant is legally liable, from any cause whatsoever, including, but not limited to, theft or burglary; or (iv) any inspection, repair, alteration, addition, or the failure thereof undertaken or failed to be undertaken by Prime Landlord.

20. Sublease and Assignment. Subtenant shall not assign this Sublease or further sublease all or any portion of the Sublease Premises without the prior written consent of Sublandlord (which consent shall not be unreasonably withheld, conditioned, or delayed) and Prime Landlord. Subtenant shall not pledge its interest hereunder, allow liens to be placed on such interest, or suffer this Sublease or any portion thereof to be attached or taken upon execution. If consent is once given by Sublandlord to the assignment of this Sublease or the further sublease of the Sublease Premises or any interest therein, Sublandlord shall not be barred from subsequently refusing to consent to any further assignment or sublease, in its commercially reasonable discretion. Any attempt to sell, assign, or sublet without the consent of Sublandlord and Prime Landlord shall be deemed a default by Subtenant. If any assignment, subl

ease, or other transfer obligates the transferee to pay to Subtenant amounts in excess of the Rent due under this Sublease (whether by increased rent, a lump sum payment, payment for the sale, transfer or lease of Subtenant’s fixtures or improvements, or any other form), then Subtenant shall pay to Sublandlord fifty percent (50%) of any such excess, after deduction for the actual, out-of-pocket costs of subleasing or assignment, solely limited to costs of marketing, brokerage commissions, and costs of improvements to the Sublease Premises associated with such subleasing or assignment, as Additional Rent, within seven (7) business days after receipt thereof by Subtenant. This Sublease shall not be assigned by operation of law. A transfer of the controlling stock in Subtenant or a change in the entity structure of Subtenant shall be deemed an assignment of this Sublease, requiring the prior written consent of Sublandlord. In connection with any assignment occurring pursuant to the foregoing sentence, Subl

andlord shall use its commercially reasonable efforts to provide or deny such consent within three (3) business days of receipt of any such request to assign provided to Sublandlord by Subtenant, pursuant to this Sublease. Subtenant shall reimburse Sublandlord for all reasonable costs, including reasonable attorney’s fees, incurred by Sublandlord in connection with the review, approval, and preparation of documentation related to any requested assignment, sublease, or transfer by Subtenant.

21. Notices. All notices and other communications to be given under this Sublease shall be in writing and shall be deemed given (a) on the date of service, if served personally on the party to whom notice is to be given, (b) on the date of receipt, if delivered by telecopy or nationally recognized overnight courier, or (c) on the third business day after deposit in the U.S. mail, if mailed to the party to whom notice is to be given by first class mail, postage prepaid and properly addressed as follows:

	If to Sublandlord:
	 	BearingPoint, Inc.
 1676 International Drive
 McLean, Virginia 22102-4828
 Attention: Director, Real Estate

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	with a copy to:
	 	BearingPoint, Inc.
 1676 International Drive
 McLean, Virginia 22102-4828
 Attention: General Counsel

	and:
	 	Remittance Address for Rent, Also
 Jones Lang LaSalle
 214 Hogan Street, Suite 110
 Jacksonville, Florida 32202
 Attention: Lease Administration

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	If to Subtenant:
	 	Pre-Sublease Term Commencement Date
 HealthAxis, Ltd.
 5215 North O’Connor Boulevard, Suite 800
 Irving, Texas 75039

 Post-Sublease Term Commencement Date
 HealthAxis, Ltd.
 7301 North State Highway 161
 Irving, Texas 75039
 Attention: General Counsel

22. Effect of Prime Lease Termination. This Sublease is dependent and conditioned upon the continued existence of the Prime Lease. This Sublease shall automatically terminate upon the termination, cancellation, or expiration of the Prime Lease.

23. No Waiver. No provision of this Sublease shall be deemed to have been waived unless such waiver is evidenced by a writing signed by the Party charged with such waiver. A waiver by Sublandlord of any default, breach, or failure of Subtenant under this Sublease shall not be construed as a waiver of any subsequent or different default, breach, or failure.

24. Holding Over. If Subtenant or anyone claiming under or through Subtenant holds over following the expiration or earlier termination of the Term without the express written consent of Sublandlord, Subtenant shall become a tenant at sufferance only, at a rate equal to the greater of (a) 150% times the Base Rent then in effect pursuant to this Sublease; or (b) the rental rate per square foot in effect under the Prime Lease upon the date of such expiration. Subtenant shall additionally pay any amount payable as a result of such holdover, including any holdover cost or penalty assessed by Prime Landlord in connection with the Premises. Acceptance by Sublandlord of Rent after such termination shall not constitute a consent to a holdover hereunder or result in a renewal of this Sublease. The foregoing provisions of this paragraph are in addition to and do not affect Sublandlord’s right of

 reentry or any other right of Sublandlord hereunder or at law.

25. Successors and Assigns. All of the terms, covenants, provisions, and conditions of this Sublease shall be binding upon and inure to the benefit of the successors and assigns of each of Sublandlord and Subtenant.

26. No Joint Venture. This Sublease does not and shall not create the relationship of principal and agent, partnership, joint venture, or any other association between Sublandlord and Subtenant, except that of Sublandlord and Subtenant.

27. Brokerage. The Parties acknowledge and agree Sublandlord is represented by Jones Lang LaSalle Americas, Inc. (“JLL”), and Subtenant is represented by Jackson & Cooksey (“J&C”; and JLL and J&C may sometimes hereinafter be collectively referred to as the “Brokers”), in each case, in connection with the transaction contemplated by this Sublease. Other than performance of certain activities by the Brokers, each Party represents no real estate broker or agent is involved in this Sublease, and each shall indemnify and hold the other harmless from any breach by it of this representation. Sublandlord shall be responsible for the payment of any commission due to the Brokers pursuant to the provisions of separate agreements between the Brokers and Sublandlord, in each case, negotiated independently of the transaction contemplated
 by this Sublease.

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28. Severability. In the event any part of this Sublease is held to be unenforceable or invalid, for any reason, the balance of this Sublease shall not be affected and shall remain in full force and effect during the term of this Sublease.

29. Memorandum of Record. This Sublease shall not be recorded. In the event either Party so chooses, the Parties shall execute, in recordable form, a memorandum of this Sublease to be filed in the county in which the Premises is located. Each Party shall execute such memorandum within five (5) days of receipt of the same from Party requesting the same.

30. Choice of Law. This Sublease and all transactions contemplated by this Sublease shall be governed by, construed, and enforced in accordance with the laws of the State of Texas, without giving effect to the principles of conflicts of laws thereof.

31. Certain Statutory Rights, Waiver of Jury Trial, and Right to Counterclaim. SUBTENANT, FOR ITSELF, AND ALL PERSONS CLAIMING THROUGH OR UNDER IT, HEREBY EXPRESSLY WAIVES ANY AND ALL RIGHTS WHICH ARE OR MAY BE CONFERRED UPON SUBTENANT (A) BY ANY CURRENT OR FUTURE LAW, THE EFFECT OF WHICH WOULD GRANT A NEW TRIAL IN ANY ACTION FOR EJECTION UNDER ANY PROVISION OF LAW, AFTER REENTRY UPON THE SUBLEASE PREMISES, OR ANY PART THEREOF, BY SUBLANDLORD, OR (B) AFTER SERVICE OF ANY WARRANT TO DISPOSSESS OR JUDGMENT IN EJECTION. EACH OF SUBLANDLORD AND SUBTENANT HEREBY WAIVES ALL RIGHT TO TRIAL BY JURY IN ANY SUMMARY OR OTHER ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS SUBLEASE, THE RELATIONSHIP OF SUBLANDLORD AND SUBTENANT, THE SUBLEASE PREMISES, THE USE AND OCCUPANCY THEREOF, OR ANY CLAIM OF INJURY OR DAMAGES. SUBTENANT ADDITIONALLY HEREBY WAIVES ALL RIGHT TO ASSERT OR INTE

RPOSE A COUNTERCLAIM (OTHER THAN A COMPULSORY COUNTERCLAIM) IN ANY PROCEEDING OR ACTION TO RECOVER OR OBTAIN POSSESSION OF THE SUBLEASE PREMISES.

32. Counterparts. This Sublease may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which, when so executed and delivered, shall be deemed an original and all of which when taken together shall constitute but one and the same instrument. To facilitate execution, facsimile signatures shall be considered binding on the Parties; provided originals thereof are executed, delivered, and received promptly thereafter. Notwithstanding the foregoing, non-receipt of any original counterpart shall not affect the validity or enforceability of this Sublease, which shall attach upon receipt of a facsimile counterpart, as provided hereunder.

33. Exhibits and Schedules. All Exhibits and Schedules referred to herein are intended to be and hereby are specifically made a part of this Sublease.

34. Entire Agreement. This Sublease, including any exhibits or schedules hereto, contains the entire understanding among the Parties and supersedes any prior understanding or agreement between them respecting the within subject matter. There are no representations, warranties, agreements, arrangements, or understandings, oral or written, between or among the Parties relating to the subject matter of this Sublease which are not fully expressed herein.

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35. Effectiveness. This Sublease shall not be effective unless and until it has been signed by Sublandlord and Subtenant, and consented to by Prime Landlord.

[The Remainder of this Page Intentionally Left Blank.]

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Signature Page to Sublease Agreement

IN WITNESS WHEREOF, the Parties hereto have caused this Sublease to be executed as of the day and year first above written.

BEARINGPOINT, INC.

	By:  
	 	
James R. Chalkley
 Director, Real Estate & Support Services

HEALTHAXIS, INC.

	By:  
	 	
Name:

Title: 

HEALTHAXIS, LTD.

	By:  
	 	
John M. Carradine
President

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