Document:

healtholeary_spa.htm

    Exhibit
10.6

     

    
      STOCK
PURCHASE AGREEMENT

       

          THIS STOCK PURCHASE
AGREEMENT (this "Agreement") is made effective the 4th day of May,
2009 by and between, Healthcare Corporation of America, a New Jersey corporation
located
at 36 Kevin Drive, Flanders, New Jersey 07836 (the "Company) and Thomas J.
O'Leary, ("Purchaser")
located at 13 Blue Heron Drive, South Amboy, New Jersey.

       

          RECITALS

       

          WHEREAS, the Purchaser desires to
purchase certain shares of the Company's common stock
(the "Common Stock") on the terms and conditions set forth herein,
and

       

          WHEREAS, the
Company desires to issue and sell shares of the Common Stock to the Purchaser
on the terms and conditions set forth herein and

       

          AGREEMENT

       

          NOW,
THEREFORE, in
consideration of the foregoing recitals and the mutual promises
hereinafter set forth, and, other good and valuable consideration, the parties
hereto agree as
follows:

       

          1.           Authorization, Sale and
Issuance of Shares and Options

       

         1.1         Authorization.The Company shall
issue 140,000 shares of Common Stock (the "Shares")
no par value per share which shall be approximately equal to .56% of the
Company's issued
and outstanding common stock, to the Purchaser at a purchase price of $.50 per
share for an
aggregate value of $70,000.

       

          2.           Closing. May 4,
2009

       

          2.1         Delivery. Subject to
the terms of this Agreement at Closing May 4, 2009, the Company
will instruct Corporate Stock Transfer to deliver to the Purchaser the stock
certificates representing
the 100,000 shares purchased by the Purchaser from the Company.

       

          3.           Representations and Warranties of the Company. The
Company hereby represents and
warrants to the Purchaser as ofthe Closing date as follows:

       

          3.1         Organization and Standing:
Articles and Bylaws. The Company is and
will be a corporation
duly organized, validly existing, and in good standing under the laws of the
State of New
Jersey and will have all requisite corporate power and authority to carry on its
business as proposed
to be conducted.

         

          3.2         Comorate Power. The
Company will have at the Closing, requisite corporate power to
enter into this Agreement and to sell and issue the Shares. This Agreement shall
constitute
a valid and binding obligation of the Company enforceable in accordance with the
respective
terms, except as the same may be limited by bankruptcy, insolvency, moratorium,
and other
laws of general application affecting the enforcement of creditors'
rights.

      

      
        
          
          

        

        
          1

          
            

          

        

        
          
          

        

      

       

          3.3         Capitalization. The
authorized capital stock of the Company is 25,000,000 shares of Common
Stock, no par value per share.

       

          3.4         Authorization.

       

             (a)           Corporate Action. All
corporate action on the part of the Company necessary
for the authorization, execution and delivery of this agreement, the sale and
issuance
of the Shares and the performance of the Company's obligations hereunder will
be taken
prior to the Closing. This Agreement constitutes a valid and legally binding
obligation
of the Company, enforceable in accordance with its terms.

       

             (b)           Valid Issuance. The
shares, when issued in compliance with the provisions of this
Agreement will be duly authorized, validly issued, fully paid and
non-assessable, and will
be free of any liens or encumbrances caused or created by the Company,
provided,
however, that all such shares may be subject to restrictions on transfer under
state and
federal securities laws as set forth herein, and as they may be required by
future changes
in such laws.

       

             (c)           No Preemptive Rights.
Except as provided herein, no person currently has or will
have any right of first refusal or any preemptive rights in connection with the
issuance
ofthe Shares, or any future issuance of securities by the Company.

       

          3.5         Compliance with Other
Instruments. The Company will not be in violation
of any term of the Company's Articles or Bylaws, nor will the Company be in
violation of or in
default in any material respect under the terms of any mortgage, indenture,
contract, agreement,
instrument, judgment or decree, the violation of which would have a material
adverse effect on
the Company as a whole, and to the knowledge of the Company, is not in violation
of any
order, statute, rule, or regulation applicable to the Company, the violation of
which would have a
material adverse effect on the Company. The execution, delivery and performance
of and compliance
with this Agreement and the issuance and sale of the Shares will not (a) result
in any such
violation, or (b) be in conflict with or constitute a default under any such
term, or (c) result in the
creation of any mortgage, pledge, lien, encumbrance, or charge upon any of the
properties or assets
of the Company pursuant to any such term.

       

          4.           Representations and
Warranties of Purchaser and Restrictions on Transfer Imposed by the Securities
Act.

       

          4.1         Representations and
Warranties by the Purchaser. The Purchaser represents and warrants
to the Company as follows:

       

      
        
          
          

        

        
          2

          
            

          

        

        
          
          
       (a)           Investment Intent.
This Agreement is made with the Purchaser in reliance upon the
Purchaser's representations to the Company, evidenced by the Purchaser's
execution
of this Agreement, that the Purchaser is acquiring the Shares for investment for
the
Purchaser's own account, not as nominee or agent, and not with a view to or for
resale in
connection with, any distribution or public offering thereof within the meaning
of the
Securities Act and applicable law. The Purchaser has the full right, power, and
authority
to enter into and perform this Agreement.

      

       

             (b)           Shares not
Registered. The Purchaser understands and acknowledges that the
offering of the shares pursuant to this Agreement will not be registered under
the Securities
Act on the grounds that the offering and sale of securities contemplated by
this Agreement
are exempt from the registration under the Securities Act pursuant to Section
4(2)
thereof and exempt from registration pursuant to applicable state securities of
blue sky laws,
and that the Company's reliance upon such exemptions is predicated upon such
Purchaser's
representations set forth in this Agreement. The Purchaser acknowledges
and
understands that the Shares must be held indefinitely unlessthe Shares are
subsequently
registered under the Securities Act and qualified under state law or unless
an
exemption from such registration and such qualification is available. The
Company intends
to file an S-1 Registration and will include the Purchaser shares in said
filing.    

       

             (c)           No Transfer. Except
as set forth in Section 4.3 hereunder, the Purchaser covenants
that in no event will the Purchaser dispose of any of the Shares (other than in
conjunction
with an effective registration statement for the Shares under the Securities
Act in
compliance with Rule 144 promulgated under the Securities Act) unless and until
(i) the
Purchaser shall have notified the Company of the proposed disposition and shall
have
furnished the Company with a statement of the circumstances surrounding the
proposed
disposition, and (ii) if reasonable required by the Company, the Purchaser shall
have
furnished the Company an opinion of counsel satisfactory in form and substance
to the
Company to the effect that (x) such disposition will not require registration
under the Securities
Act, and (y) appropriate action necessary for compliance with the Securities
Act and
any other applicable state, local, or foreign law has been taken, and (iii) the
Company
has consented, which consent shall not be unreasonably withheld.

       

             (d)           Knowledge and
Experience. The Purchaser (i) has such knowledge and experience
in fmancial and business matters as to be capable of evaluating the merits and
risks of
the Purchaser's prospective investment in the Shares; (ii) has the ability to
bear the
economic risks of the Purchaser's prospective investment; (iii) has been
furnished with and
had access to such information as the Purchaser has considered necessary to
make a
determination as to the purchase of the Shares together with such additional
information
a is necessary to verify the accuracy of the information supplied; (iv) has had
all
questions which have been asked by the Purchaser satisfactorily answered by the
Company;
and (v) has not been offered the Shares by any form of advertisement, article,
notice,
or other communication published in any newspaper, magazine, or similar
medium;
or broadcast over television, or radio; or any seminar or meeting whose
attendees
have been invited by any such medium.

       

      
        
          
          

        

        
          3

          
            

          

        

        
          
          

        

         

               (e)           Form S-1. The
purchaser has received a copy of the Company's' S-l registration
filed with the Securities and Exchange Commission on April 22, 2009. the
S-1
registration contains information relative to the Company's' business plan,
management,
shareholders, forward looking statements and audited fmancial statements
for the
year ended December 31, 2009.

      

       

             (f)           Not Organized to
Purchase. The Purchaser has not been organized for the purpose
of purchasing the Shares.

       

          4.2         Legends. Each
certificate representing the Shares shall be endorsed with the following
legends:

       

             (a)           Federal Legend. The
securities represented by this certificate have not been
registered under the Securities Act of 1933, as amended (the "Act") and are
"restricted
securities" as defined in rule 144 promulgated under the Act. The securities
may not
be sold or offered for sale or otherwise distributed except (i) in conjunction
with an
effective registration statement for the shares under the Act, of (ii) pursuant
to an opinion
of counsel, satisfactory to the company, that such registration or compliance is
not
required as to said sale, offer, or distribution.

       

             (b)           Other Legends. With
respect to any other legends required by applicable law, the
Company need not register a transfer of legend Shares, and may also instruct the
transfer
agent not to register the transfer of the Shares, unless the conditions
specified in such
legend is satisfied.

       

          4.3         Rule 144. The
Purchaser is aware of the adoption of Rule 144 by the SEC promulgated
under the Securities Act, which permits limited public resale of securities
acquired in
a nonpublic offering, subject to the satisfaction of certain conditions. The
Purchaser understands
that under Rule 144, the conditions include, among other things: the
availability of certain,
current public information about the issuer and the resale occurring not less
than six months
after the party has purchased and paid for the securities to be
sold.

       

          5.           Conditions to
Closing.

       

          5.1         Conditions to the PARTIES
Obligations. The obligations of the PARTIES at the Closing
are subject to the fulfillment to their satisfaction, on or prior to the
Closing, of the following
conditions, any of which may be waived in accordance with the provisions
hereof.

       

             (a)           Representations and
Warranties Correct. Performance of Obligations The representations
and warranties made by the PARTIES in Section 3 hereof shall be true
and
correct when made and at the Closing. The PARTIES business and assets shall not
have been
adversely affected in any material way prior to the Closing. The PARTIES
shall
have performed in all material respects all obligations and conditions herein
required
to be performed or observed by it on or prior to closing.

       

       

      
        
          
          

        

        
          4

          
            

          

        

        
          
          

        

      

       

             (b)           Consents and Waivers.
The Company shall have obtained in a timely fashion
any and all consents, permits, and waivers necessary or appropriate for the
consummation
of the transactions contemplated by this Agreement.

       

          5.2         Conditions to Obligations
ofthe Company. The Company's obligation to sell the Shares at
the closing is subject to the condition that the representations and warranties
made by the
Purchaser in Section 4 hereof shall be true and correct when made, and on the
Closing.

       

          6.           AffIrmative Covenants of the
Company. The Company hereby covenants and agrees as
follows:

       

          6.1         Financial
Information. The Company will furnish holders of the Shares with
annual
audited financial statements together with such notes and commentary by the
management
as is usual and customary.

       

          7.           Registration Rights.
The Purchaser is not entitled to any registration rights under this
Agreement or associated with the purchase of the Shares. The purchase shall be
subject to such
private restrictions on the transfer of the Shares as are designated from time
to time by the Company or its investment bankers or
underwriters except that the shares will be added to the 1st amendment
to the S-l registration filed April 22, 2009 and thereby will be registered
shares based on
the effectiveness to the filing granted by the Securities and Exchange
Commission.

       

          8.           Risk Factors. The
securities offered hereby are speculative in nature and involve a high
degree of risk. They should be purchased only by Purchaser who can afford to
lose their entire
investment in the company, therefore, each prospective investor should, prior to
purchase, consider
very carefully the following risk factors.

       

          8.1         Arbitrary Determination of
Stock Price. The price of the Shares has been

      determined
arbitrarily by the Company. The price should not be regarded as an indication of
any

      future
market price of the Company's stock and has no relation to the value of the
Company's

      stock.

       

      8.2     Dependence on Key
Personnel. The success of the Company is dependent on the efforts
and abilities of its current officers and directors. If the Company were to lose
the services of such
officers, its business could be materially and adversely affected.

       

      8.3     Audited Financial
Statements. The Company has prepared or will cause to be prepared
current financial statements through the period ending December 31, 2008. The
balance
sheet and income statement included therein have been prepared in accordance
with generally
accepted accounting principles and audited by Moore Associates, Chartered
Accountants.

       

          8.4         Discretion in Application of
Proceeds. In order to accommodate changing circumstances,
the Company's management may allocate the proceeds of this fmancing in
accordance
with its needs and operation. Subject to the supervision of the Board of
Directors, the
Company's management will be given discretion in the application of the
proceeds.

       

      
        
          
          

        

        
          5

          
            

          

        

        
          
          

        

         

            8.5         Restrictions on
Transfer. The Shares may not be resold unless such sale is registered
or qualifies for an exemption from registration under the Act and all applicable
state securities
laws. The Shares should be considered a suitable investment only for Purchaser
whose financial
position is such that they will be able to hold the Shares for an indefinite
period. Some state
laws may impose additional restrictions on transfer of the
Shares.

      

       

          For all of
the reasons state in the risk factors and others, including, without limitation,
those set
forth herein, these shares involve a high degree of risk. Any purchaser
considering an investment
in the Securities offered should be aware of these factors. These securities
should Only be
purchased by Purchaser who can afford a total loss of their investment in the
company and have
no immediate need for a return of or on their investment.

       

          9.           Officers and
Directors.

       

          9.1         Directors of the
Company. Gary Sekulski and Joseph Drucker are the sole

      members
of the Board of Directors of the Company.

       

          9.2         Officers of the
Company. Gary Sekulski is Chief Executive Officer and President
and
Joseph Drucker is Secretary and Corporate Counsel and Jan Goldberg, Executive
Vice President,
Administration.

       

          10.         Miscellaneous.

       

          10.1      
Governing Law.
This Agreement shall be governed in all respects by the laws of the State
of New Jersey as such laws are applied to agreements between residents entered
into and to be
performed entirely within New Jersey.

       

          10.2      
Survival. The
representations, warranties, covenants and agreements made herein shall
survive the Closing of the Transactions contemplated hereby, notwithstanding any
investigation
made by the Purchaser. All statements as to factual matters contained in any
certificate
or other instrument delivered by or on behalf of the Company pursuant hereto or
in connection
with the transactions contemplated hereby shall be deemed to be representations
and warranties
by the Company hereunder as of the date of such certificate or
instrument.

       

          10.3      
Successors and
Assigns. Except as otherwise expressly provided herein, theprovisions
hereof shall inure to the benefit of, and be binding upon, the successors,
assigns heirs, executors,
and administrators of the parties hereto.

       

          10.4      
Entire Agreement. This
Agreement and the other documents delivered pursuant hereto
constitute the full and entire understanding and agreement between the parties
with regard to the
subjects hereof and thereof and they supersede, merge, and render void every
other prior written
and/or oral understanding or agreement among or between the parties
hereto.

       

       

      
        
          
          

        

        
          6

          
            

          

        

        
          
          

        

      

       

          10.5      
Notices, Etc.
All notices and other communications required or permitted hereunder
shall be in writing and shall be delivered personally, mailed by first class
mail, postage
prepaid, or delivered by courier or overnight delivery, addressed )a _ if to a
Purchaser, at such
Purchaser's address set forth above, or at such other address as such Purchaser
shall have furnished
to the Company in writing, or (b) if so the Company, at its address set forth at
the beginning
of this Agreement, or at such other address as the Company shall have furnished
to the Purchaser
in writing. Notices that are mailed shall be deemed received five (5) days after
deposit in the
United States mail. Notices sent by courier or overnight delivery shall be
deemed received two
(2)days after they have been so sent.

       

          10.6      
Severability.
In case any provision of this Agreement shall be found by a court of
law to be
invalid, illegal, or unenforceable, the validity, legality and enforceability of
the remaining
provisions of this Agreement shall not in any way be affected or impaired
thereby.

       

          10.7      
Finder's Price and
Other Fees

       

             (a)           The
Company (i) represents and warrants that it has retained no finder or
broker in
connection with the transactions contemplated by this Agreement, and (ii)
hereby
agrees to indemnify and to hold Purchaser harmless from and against any
liability for
commissions or compensation in the nature of a finder's fee to any broker or
other person or
firm and the costs and expenses of defending against such liability or asserted
liability)
for which the Company, or any of its employees or representatives, is
responsible.

       

             (b)           The
Purchaser (i) represents and warrants that the Purchaser has retained
no finder
or broker in connection with the transactions contemplated by this Agreement,
and (ii)
hereby agrees to indemnify and to hold the Company harmless from and against
any
liability for any commission or compensation in the nature of a finder's fee to
any broker or
other person or film (and the costs and expenses of defending against such
liability
or asserted liability) for which such Purchaser is responsible.

       

          10.8     
Expenses. the
Company and the Purchaser shall each bear their own expenses and legal
fees in connection with the consummation of this transaction.

       

          10.9      
Titles and
Subtitles. The titles of the sections and subsections of this Agreement
are for
convenience of reference and are not to be considered in construing this
Agreement.

       

          10.10    
Counterparts.
This Agreement may be executed in any number of counterparts, each of
which shall be an original, but all of which together shall constitute one
instrument.

       

      

      

       

      
        
          
          

        

        
          7

          
            

          

        

        
          
          

        

      

         

       

          10.11    
Delays or
Omissions. No delay or omission to exercise any right, power, or
remedy
accruing to the Company or to any holder of any securities issued or to be
issuedhereunder
shall impair any such right, poser, or remedy of the Company or such holder, nor
shall it be
construed to be a waiver of any breach or default under this Agreement, or an
acquiescence therein,
or of or in any similar breach or default thereafter occurring;not shall any
failure to exercise
any right, power, or remedy or any waiver of any single breach or a waiver of
any other right,
power or remedy or breach or default theretofore or thereafter occurring. All
remedies, either
under this Agreement, or by law or otherwise afforded to the Company or any
holder, shall be
cumulative ant not alternative.

       

       

          IN WITNESS WHEREOF,
the parties hereto have executed this Agreement this 4th
day of May,
2009.

       

      

      COMPANY:

       

      HEALTHCARE
CORPOTAION OF AMERICA

       

      /S/ GARY
SEKULSKI                                             

      GARY
SELKULSKI, CEO AND PRESIDENT

       

       

      
         

        PURCHASER

         

        /S/ THOMAS J.
O'LEARY                                         

        THOMAS
L. O'LEARY INVESTOR

      

      

      
      

       

      

       

      8health_marketingagree.htm

    Exhibit 10.7

     

    FINAL 8119/2009

     

    MARKETING
AGREEMENT

     

    This
Marketing Agreement (this "Agreement") is made and entered into as of the 1
st day of
February, 2009, (Effective Date) by Healthcare Corporation of America, its
subsidiaries,
including Prescription Corporation of America (PCA) and affiliates (hereinafter
collectively referred to as "HCA"), a New Jersey corporation with a mailing address of 36 Kevin Drive Suite 1 00, Flanders, New Jersey 07836 and NIA MY, LLC,a New
Jersey limited liability company and its parents, affiliates and subsidiaries,
d/b/a! "USC" with a principal place of business located at 66 Route 17
North
Paramus, NJ 07652 (hereinafter "NIA"); NIA and
HCA may be referred to within this Agreement, either separately as a "Party"
orcollectively
as the "Parties."

     

    RECITALS

     

    WHEREAS,
HCA is, inter alia, a closed door pharmacy
servicing nursing homes and assisted
living facilities, offering mail order and central fill programs to employers
including
non-profits (hospital, school districts colleges, universities and SOI(C) 3
organizations)
(the "Work Product"); and 

     

    WHEREAS,
NIA is a general insurance agency providing insurance sales, brokerage
services,
insurance consulting services and other financial and general consulting
services.

     

    WHEREAS,
NIA desires to perform certain marketing services for HCA and HCA desires
to utilize NIA's marketing services. 

     

    WHEREAS,
NIA is willing to assist HCA in marketing its Work Product to potential
customers
and consulting with HCA and potential customers to market HCA's Work
Product
to various 501 (c )(3) and
other qualified non-profit entities. NIA shall, from time to time,
fax lists of potential customers it desires to pursue to HCA. All
potential customers
on any list or document provided to HCA shall be deemed NIA's confidential
information
as that term is defined herein. Thereafter, HCA may instruct NIA not to
pursue
any such potential customer onthe list provided by N1A.
HCA shall notify NIA in
writing, within three (3) day if
HCA does not want NIA to pursue a potential customer on behalf
of HCA on such list. Anything to the contrary contained herein notwithstanding,
HCA may not instruct N1A not to pursue a customer on any such list if
NIA is
already providing insurance services to the prospective HCA customer. Nothing
herein
shall preclude NIA from soliciting the prospective customer for its own account.
An
approved customers shall be listed in an" Approved Customer" list maintained by
both NIA and
HCA. All potential customers disapproved by HCA shall be listed in a Schedule
of
"Disapproved Customers" maintained by both NIA and HCA; and

     

    WHEREAS,
the Parties have entered into discussions and disclosed certain business
contacts
and information to each other and each Party desires to protect the
information

     

                                                         

    
 

    
      
        Confidential

        
        

      

      
        1

        
          

        

      

      
        
        

      

    

    FINAL 8119/2009

     

     

    from
further unauthorized disclosure and attempt, through the disclosure of the
protected and
Confidential Information, to further their collective goal to increase sales of
HCA's Work
Product; and

     

    WHEREAS, each Party has made its
disclosures and discussions with the understanding that the
information and business contacts were being disclosed subject to certain
confidentiality
and non-circumvention terms, and the Parties wish to formalize that understanding
with respect to all such past disclosures and to all future disclosures and to
clarify
their understanding concerning compensation, fees and the conduct of their
activities;
and

     

    NOW,
THEREFORE, in consideration of the premises and the mutual covenants and
conditions
hereinafter set forth, the Parties hereby agree and state as
follows:

     

     

    ARTICLE
ONE

     

    SCOPE
OF AGREEMENT

     

    The
non-exclusive purpose of this Agreement is to set forth the terms of the
agreement between
NIA and HCA with respect to the grant by HCA to NIA to use, represent,
participate
in and market those certain concepts, programs, techniques, processes,
marketing
materials, sales materials, merchandising materials, and systems that
constitutes
HeA's Work Product. NIA also may utilize the HCA Work Product to supplement
the insurance products and services it offers for sale through its employees,
brokers
and other representatives.

     

    

    ARTICLE
TWO

     

    ENGAGEMENT
FOR SERVICES

     

    1. DUTIES
OF THE PARTIES:

     

    

    
      	
              A.  

            	
              HCA
      and NIA agree to work together and support each other's interests in (1)
      marketing
      and sale of HCA's Work Product. HCA shall. in its sole discretion, direct
      all insurance opportunities outside the County of Middlesex, NJ,
      identified by
      HCA and/or HCA's Agents to NIA for the sale of all such
      insurance.

            

    

    
    

    
    

    
    

     

    
      	
              B.  

            	
              HCA
      developed concepts, presentation materials (marketing, promotional and
      sales
      support), computer programs, proposal and administrative systems, formats,
      forms,
      computer screen shows, slides, and other materials, documents, techniques,
      processes
      and programs for use by NIA. Subject to the terms and conditions of this
      Agreement, HCA hereby grants to NIA the non-exclusive and non-transferable
      right to reproduce and use all forms, materials, documents, concepts,
      ideas,
      and other items provided to NIA by HCA hereunder (hereinafter referred to
      collectively
      as (the "Work Product") in accordance with and subject to the terms and
      conditions of this Agreement. HCA represents that all Work Product is true
      and accurate and NIA may rely on the contents thereof for all
      purposes.

            

    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
 

    
    

     

    
      
        Confidential

        
        

      

      
        2

        
          

        

      

      
        
        

      

    

    FINAL 8/19/2009

     

      C.
Training

    
    

       

        HCA will provide NIA with the necessary
training, information, and knowledge to
effectively represent the HCA Work Product.

     

      E. Acceptance
Procedure.

     

    
      	 	The
      following
      customer referral, the agreed acceptance procedure shall apply with respect
      to all prospective customers identified by NIA: (1) When NIA identifies a
      potential
      customer, NIA shall notify HCA in writing, providing the pertinent information
      concerning the customer; (2) HCA will review the potential customer information
      to determine if HCA wish NIA to pursue the marketing lead; (3) If HCA
      decides NIA should pursue the marketing lead and potential customer, HCA
      will
      create an acceptance document (hereinafter referred to as the "Acceptance
      Document")
      in the form attached hereto as Schedule ~, which it
      will send to NlA,
      within one (1) business day from acceptance from HCA, with an authorized
      officers'
      signature affixed thereto; and (4) HCA gives authorifl.to NIA
      to sign the acceptance
      document in the form attached as Schedule to confirm
      the
      customer relationship under this Agreement. (5) If HCA rejects the
      potential customer
      solicited by NIA either because it is an existing HCA client or it appears
      on
      a previously submitted existing "Approved Customer List" or is a potential
      customer
      being pursued by RCA or another RCA affiliate), HCA or the HCA affiliate
      may continue to pursue the potential
      customer.

    

     

    
      	F.	NIA
      is free to contract with other vendors to market their products and
      services. Except
      as limited by the terms of this Agreement, RCA also reserves the right to
      engage
      in direct solicitations itself of its own Work Product as it becomes
      available
      to both existing and new customers, as well as other providers
      (Insurance
      Companies, TPAs, Consultants, Brokers, etc.) subject to the terms and
      conditions
      of this Agreement. HCA will indemnify NIA for any RIP AA violations
      that result from RCA's solicitation describe in this Article Two (I)(F).
      NIA
      will be paid compensation for all business generated as a result of ReA's
      solicitation
      ofNIA's customers under this Section or this
  Agreement.

    

     

    
      	 G.	RCA
      developed concepts, presentation materials (marketing, promotional and
      sales
      support), computer programs, proposal and administrative systems, formats,
      forms,
      computer screen shows, slides, and other materials, documents, techniques,
      processes
      and programs for use by NIA. Subject to the terms and conditions of
      this
      Agreement, HCA hereby grants to NIA the non-exclusive and non-
      transferable
      right to reproduce and use all forms, materials, documents, concepts,
      ideas,
      and other items provided to NIA by HCA hereunder (hereinafter referred to
      collectively
      as (the "Work Product") in accordance with and subject to the terms
      and
      conditions of this Agreement. RCA represents that all Work Product is true
      and
      accurate and NIA may rely on the contents thereof for all
      purposes.

    

     

    
    

     

     

    
      
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              H. 

            	
              HCA,
      in its commercially reasonable discretion, and so long as in its commercially
      reasonable judgment there is not conflict of interest present, shall direct
      all group benefit opportunities identified by HCA its affiliates and/or
      HCA's
      Agents, in the State of New Jersey to NIA for the sale of a group benefit product
      that suits the respective party's needs and requirements (except Middlesex
      County which opportunities will be directed to NIA in the reasonable discretion
      of
  HCA.

            

    

    
    

    
    

    
    

    
      	
               
      

            	
            

    

    
    

    
    

    
      	
              I.
       

            	
              Non
      Solicitation of Prospects. Except in the situation that HCA or a
      previously authorized
      HCA Broker previously solicited a prospective prospect submitted by NIA,
      RCA may not solicit, either directly or indirectly any prospect that were
      provided
      by NIA pursuant to this Article 2 (I)(E) above unless NIA is paid compensation
      set forth in this Agreement. In the event that HCA does not accept a prospect
      submitted by NIA, it identifies, in writing, the date HCA or an HCA authorized
      broker solicited the
      prospect.

            

    

    
    

    
    

    
    

    
    

    
      	
               
      

            	
            

    

    
    

    
      	
              J.  

            	
              Anything
      to the contrary contained herein notwithstanding, if no sales activity has
      taken
      place with respect to a Schedule A customer for a period of nine (9) consecutive
      months then HCA, at their option, may provide written notice to NIA of
      the lack of sales activity with respect to such customer. If NIA fails to
      provide HeA
      evidence of some sales activity within thirty (30) days after receiving
      such notice,
      then HCA can respond to requests for support from non-NfA agents and brokers
      with respect to such customer. In the event of a notice is received from
      HCA
      under this Section, NIA shall not be entitled to any commission resulting
      from
      sales to customer. For purposes of this paragraph, sales activity with
      respect to
      a customer shall be either (i) active demonstrable solicitation of such
      customer by
      NIA, or; (ii) request for meetings or conference calls with such customer
      by NIA.

            

    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

     

    ARTICLE
THREE

     

    REPRESENTATIONS
AND WARRANTIES

     

    
      
        	 A.
       	The
      Parties hereby represent and warrant to each other that (i) they have all
      thenecessary
      power and authority to enter into this Agreement and that this Agreement
      and performance
      hereunder does not and will not violate the terms of any other contract,
      covenant
      or agreement between HCA or NIA and any other third party, now existing or
      hereinafter
      entered into; (ii) they are now and will remain in compliance with all
      applicable
      federal, state, or local laws, rules or regulations which pertain to this
      Agreement;
      (iii)
      they possess all licenses, permits and approvals necessary to
      actuate this Agreement;
      (iv) HCA has made all commercially reasonable efforts to assure that the
      Work
      Product is now and at all times during this agreement complies with all
      applicable Federal,
      state and local laws, orders and regulations; (v) they will not share any
      compensation
      earned under this Agreement with any other person or entity if the sharing
      of
      such compensation would be in violation of any law or regulation; and (vi)
      they shall at
      all times protect and preserve all goods and materials of NIA when such
      goods or materials
      are in the possession of
      HCA.

      

       

    

     

     

    
      
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        	 	RCA
      further represents and warrants that it has developed and owns the Work
      Product and
      that it has the right to allow NIA access to it in accordance with this
      Agreement. However,
      the parties recognize and acknowledge that other persons or entities may
      have or
      may subsequently develop programs, concepts or techniques similar to the
      Work Product,
      or any component thereof, and HCA does not warrant to NIA that HCA has the
      exclusive
      right to any of the concepts or ideas underlying or which form the basis
      of the HCA
      Work Product, or any component(s) thereof.
	 	 
	 B.	
                NIA
      hereby represents and warrants to HCA that (i) it has all necessary power
      and authority
      to enter into this Agreement and that this Agreement and performance
      hereunder
      does not and will not violate the terms of any other contract, covenant or
      agreement
      between NIA and any third party now existing; (ii) it possesses all
      licenses, permits
      and approvals necessary to actuate this Agreement; (Hi) it is now and will
      remain in
      compliance with all applicable federal, state, or local laws, rules or
      regulations which pertain
      to this Agreement; (iv) it is familiar with and in compliance with any
      legal requirements
      which relate to the discharge of its responsibilities in the provision of
      this Agreement;
      and (vi) it shall at all times use reasonable commercial efforts protect
      and preserve
      HCA's Confidential Information when it is in NIA's
      possession.

              
	 	 
	 C.	Each party
      represents, warrants and covenants to the other that (i) it has adopted
      and
      maintains policies to (a) ensure the security and confidentiality of
      customer records and
      information; (b) protect against
      any anticipated threats or hazards to the security orintegrity
      of customer records and information, (c) protect against unauthorized
      access to or
      use of customer records or information that could result in substantial
      harm or inconvenience
      to any customer, and (d) protect against unauthorized disclosure of non-
      public
      personal information to unaffiliated third parties. Each party agrees to
      promptly notify
      the other upon discovery of the loss or unauthorized disclosure of
      non-public personal
      information of the other party's customers. Each party represents,
      warrants and covenants
      that it agrees that all nonpublic personal information, including names,
      addresses,
      and other customer specific data, and any other information received by
      any party
      ("Private Information") shall remain confidential and shall not be
      disclosed to any third
      party except for the limited purposes of carrying out its obligations
      under this Agreement,
      including administration and servicing, or unless such Private Information
      is required
      to be disclosed by any regulatory authority or court of competent
      jurisdiction. Furthermore,
      except as provided above, such Private Information shall not be used by
      the party
      to whose attention it has come, or by any person or entity affiliated with
      such party, without
      the prior written consent of the other party for any purpose whatsoever.
      The obligations
      of confidentiality in this Paragraph shall not apply to information which
      a party
      independently develops, information which is or becomes known to the
      public other than
      by breach of this Paragraph or information rightfully received by a party
      from a third party
      without the obligation of confidentiality. The obligations of this
      Paragraph shall survive the termination ofthis Agreement or any part
      hereof

      

       

    

     

     

    
      
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    ARTICLE
FOUR

     

    TERM
AND TERMINATION

     

    
      	
              4.1

            	
              A.

            	
              The
      Initial Term of this Agreement shall commence on the Effective Date indicated
      above and will continue for one year from the Effective Date (the "Initial
      Term"). Upon the expiration of the Initial Term, this Agreement shall
      automatically
      be renewed for successive one-year terms (each a "Renewal Term"),
      unless either party notifies the other in writing, at least thirty (30)
      days prior
      to the applicable expiration date, of its intent to terminate the
      Agreement at the
      expiration of such Initial Term or Renewal Term. Subsequent to the initial
      term,
      this agreement may be terminated for convenience on one hundred eighty
      (180)
      days written notice by either
      party.

            

    

    
    

     

    
      	
              4.2

            	
              Notwithstanding
      any termination or the reason for such termination, whether with or
      without cause, NIA shall be vested in all compensation earned prior to the
      termination
      or pending at the time of such termination of this Agreement. Payment
      of compensation shall continue whether or not this Agreement is terminated
      for cause or without cause for so long as the Accepted Customers areutilizing
      services provided by HCA. HCA shall amend its Customer Agreement to disclose
      the fact NIA is vested in all such payments from HCA to NIA. Notwithstanding
      anything to the contrary contained herein, in the event that a
      pre-existing
      NIA client seeks to terminate their relationship with NIA to do business
      with
      a broker without a pre-existing contractual relationship with HCA, HCA
      shall
      service such client as a "house account" and not permit any non-qualified
      broker
      to service such client. NIA shall continue to receive all compensation due
      under
      this agreement for the "house accounts" unless such account(s) elect to
      terminate
      its relationship with NIA to do business with a broker with a preexisting
      contractual
      relationship with HCA. In the event the broker did not have a preexisting
      relationship with HCA, RCA will continue to pay NIA all sums due
      for
      the client hereunder. For the purpose of this Section 4.2, non-qualified
      broker is
      defined as a broker lacking a pre-existing written contractual
      relationship with
      HCA.

            

    

     

    
    

    
      	
              4.3

            	
              Termination
      for Cause. Any Party may terminate this Agreement immediately, upon
      written notice to the other Parties; (i)(ii)(iii)  in
      the event of fraud, gross and willful misconduct, or abandonment on the
      part
      of any Party; if
      any Party is convicted of any felony related to its business responsibilities;
      in
      the event of material breach of any material obligation under this
      Agreement,
      and after such breach remains uncured for a period of sixty (60)
      days after written notice thereof from the other Parties, or if such
      breach
      requires more than sixty (60) days to cure, and such cure is not commenced
      within sixty (60) days after written notice thereof, and thereafter
      diligently
pursued;

            

    

     

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              4.4

            	
              In
      the event this Agreement is terminated with or without cause, NIA shall
      continue
      to receive all compensation due them from HCA, for all existing customers
      with effective dates prior to the termination of this Agreement, in accordance
      with ARTICLE FOUR, as long as: (i)
      the
      existing customers retain the HCA product for the life of the customer
      contracts
      and shall include any and all subsequent extensions or automatic renewals
      resulting from the initial term
      thereof,

            

    

    
      	
               
      

            	
               

            

    

    
    

    
    

    
    

    
    

    
    

    
      	
               
      

            	
              4.5

            	
              Termination
      of the Agreement shall not relieve the parties of any obligations arising
      prior to such termination or, which, under the terms of this Agreement,
      continue
      after the termination, including without limitation Articles 5, 6, 7 and
      any
      other terms and conditions pertaining to such fees or compensation. In the
      event
      of termination by any party hereto, HCA and NIA shall agree on the wording
      of any notices to be sent to any customer, if necessary and subject to the
      requirements
      of any Applicable Laws, concerning any matter within the scope of this
      Agreement.

            

    

    
    

    
    

    
    

    
    

    
    

    
    

    
      	
               
      

            	
            

    

    
      	
               
      

            	
              4.6

            	
              Each
      party acknowledges and agrees that if it breaches any of the
      provisions of this
      Agreement, the other party may sustain irreparable harm, and therefore the
      breaching
      party hereby agrees that, in addition to any other remedies that the other
      party
      may have under this Agreement or any law, the other party shall be
      entitled to
      equitable relief, including but not limited to specific performance and/or
      temporary/permanent
      injunctions and/or restraining orders, restraining the breaching
      party from committing or continuing to commit the violation of the terms
      and conditions of this Agreement, and the breaching party shall be liable
      for all
      of the other party's expenses, including but not limited to reasonable
      legal fees,
      in obtaining such equitable relief. Except as otherwise specifically set
      forth herein,
      nothing in this section shall be deemed consent to injunctive relief
      against the
      Company, its subsidiaries or its
      agents.

            

    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

    
    

     

    
      	
               
      

            	
              4.7

            	
              Termination
      for Insolvency. This Agreement may be terminated at any time by either
      party, effective immediately upon written notice to the other party, if
      the other
      party: (i) applies for or consents to the appointment of, or the taking of
      possession
      of its property by, a receiver, custodian, trustee, rehabilitator or
      liquidator;
      (ii) admits in writing its inability to pay its debts as they become due;
      (iii)
      makes a general assignment for the benefit of creditors; (iv) is
      adjudicated as bankrupt
      or insolvent; (v) files a voluntary petition in bankruptcy or a petition
      or answer
      seeking reorganization, an arrangement with creditors or to take advantage
      of
      any insolvency law or an answer admitting the material allegations of a
      petition filed
      against it in any petition in bankruptcy, reorganization or insolvency
      proceeding;
      or (vi) initiates an action of dissolution or
      liquidation.

            

    

     

     

     

    
      
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    ARTICLE
FIVE

     

    COMPENSATION

     

    
      	
               
      

            	
              5.1

            	
              In
      consideration of the services rendered under this Agreement, HCA agrees to
      compensate
      NIA, the sum of Eleven Dollars and Fifty Cents ($11.50) per year per enrolled
      employee for all customer contracts executed as a result of this Agreement..
      The initial marketing fee due NIA shall be Eight Thousand ($8,000.00)
      Dollars per year based on the clients obtained by NIA for I-ICA at the
      time
      of the signing of this Agreement. Not later than ninety (90) days from the
      execution
      ofthis Agreement, HCA shall make the initial payment, to NIA, of Two Thousand
      Twenty Five ($2,025.00) Dollars. Thereafter HCA shall pay NIA the sum
      of Two Thousand ($2,000.00) Dollars per quarter adjusted based upon actual
      employees
      enrolled by NIA. The marketing fee for year 2 of this Agreement shall
      be
      adjusted to reflect a minimum fee equal to fees paid by HCA to NIA in year
      1 of
      the Agreement plus the actual quarterly employee enrollment payments.
      Payments
      to NIA will be made on a quarterly basis with payments due NIA on the
      fifteenth
      day following the end of the respective quarter. No payment due under
      this
      Agreement will be made more than fifteen days following the close of any
      quarter.
      During the term of this Agreement, NINs Consulting fee may not be
      unilaterally
      reducedby HCA. For any customer that NIA places with HeA, NIA will
      receive compensation from HCA as noted above, plus any additional bonus
      approved
      by HCA's board of
      directors.

            

    

     

    
    

    
    

    
      	
               
      

            	
              5.2

            	
              The
      Parties agree that NINs marketing fee shall be payable to NIA Group, LLC,
      at
      66 Route 17 North, Paramus, NJ 07652 as the sole designated payee for all
      fees due
      under this Agreement. RCA will also track revenue generated from the NIA
      customers
      solicited under this Agreement and provide a monthly HIPPA compliant
      statement of revenue to NIA that reflects the revenue and customer account,
      amount of product purchased from HCA, usage, product sold and any other
      data reasonably required by NIA to track sales under this
      Agreement.

            

    

     

    
    

    
      	
               
      

            	
              5.3

            	
              With
      respect to the sale of products and services, NIA will be notified by RCA
      of new
      products and services, such as PBM and Reinsurance as they are made available.
      NIA is not obligated to market any product it does not agree in writing
      to
      market on behalf of PCA. The failure of NIA to market any product shall
      not be
      deemed a default under this Agreement or cause to terminate this
      Agreement

            

    

     

    
    

    
      	
               
      

            	
              5.4

            	
              NIA
      shall have the right at any time, but not more than two times per calendar
      year,
      with reasonable advanced notice, to have a independent firm of public
      accountants
      review HCA's books and records to determine whether all payments due
      under this Agreement have been made as required. The independent firm of
      public
      accountants sign a reasonable nondisclosure agreement before beginning
      its
      review. For two (2) years after the last payment under this Agreement is
      due, HCA
      agrees to make and maintain sufficient books, records and a11i regarding
      the business activities under this Agreement in order to permit NIA's
      accountants
      to audit, calculate and confirm any amounts due with respect to this
      Agreement.
      Audits may not be conducted more than once every per calendar
      year.

            

    

     

     

     

    
      
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        	 	(a)
      during the term of this Agreement, and (b) for up to forty (40) months
      thereafter,
      in all events with the conduct and timing of such audit to becommercially
      reasonable. The cost for such audit shall be borne by NIA unless
      there
      is a ten (10%) discrepancy between the amount paid and the amount due. In
      such
      instance, HCA shall bear the costs of the audit. All information disclosed
      to NIA
      during the audit process shall remain confidential and may not be utilized
      by NIA
      in any manner.

      

       

    

    
    

    ARTICLE
SIX

     

    INDEMNIFICATION
I
NON-SOLICITATION

     

    
      	
               
      

            	
              6.1.

            	
              RCA,
      its subsidiaries, including subsidiaries and affiliates agree to
      indemnify, defend
      and hold NIA, its subsidiaries, officers, directors, employees and NIA's
      Agents
      harmless from and against any and all costs, expenses, losses, judgments,
      damages,
      liabilities and other amounts (including, without limitation, attorneys'
      fees
      and settlement amounts) arising in connection with any suit, claim or
      proceeding,
      or other action to the extent that such costs, expenses, losses, judgments,
      damages, liabilities or other amounts are attributable to the negligence
      or
      willful misconduct of RCA, and their respective officers, directors or
      employees,
      or are in any way connected with the material breach by HCA of any of
      their obligations, representations or warranties under this
      Agreement.

            

    

     

    
    

    
      	
               
      

            	
              6.2.

            	
              NlA
      agrees to promptly notify RCA of any potential claims or assertions that
      may,
      if proven true, result in any liability under this
      Agreement.

            

    

    
    

     

    
      	
               
      

            	
              6.3

            	
              No
      Solicitation of Employees. The parties agree that they will not, for a
      period of two
      (2) years from the termination of this Agreement, initiate contact with
      the other
      party's employees in order to solicit, entice or induce any employee to
      terminate
      an employment relationship with the other to accept employment with the
      party soliciting the said employee. Any employee that leaves NIA's employ
      or terminates
      their employer/employee relationship with NIA within twenty four (24)
      calendar months, from the end date of this Agreement, to work for HCA
      directly
      or indirectly, will be conclusively presumed to be HCA's employee and
      in
      such case HCA will pay NIA, a fee equal to three (3) times the employee's
      annual
      salary. All sums due will be paid within thirty (30) days of
      demand.

            

    

    
    

    
    

     

    
      	
               
      

            	
              6.4

            	
              The
      obligations of this Section 6 shall survive the termination of this
      Agreement or
      any part hereof.

            

    

     

     

     

    
      
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      ARTICLE
SEVEN

       

    

    CONFIDENTIALITY

     

    
      	
               
      

            	
              7.1.

            	
              HCA,
      its subsidiaries, PCA and affiliates expressly acknowledge that all information
      disclosed by NIA to HCA pursuant to this Agreement, as well as all non-public
      information about NIA's internal affairs, business plans, products, business
      practices and all information dealing with NIA's past, present or prospective
      customers (hereinafter "NIA Confidential Information") remains the exclusive
      property of NIA, and that NlA has proprietary rights in and to NIA's Confidential
      Information and that such NIA's' Confidential Informationconstitutes
      confidential information and trade secrets of NIA. HCA, its subsidiaries
      and affiliates expressly recognize that all NIA' s Confidential Information
      pertaining to the business of NIA received pursuant to the carryingout
      of this Agreement shall remain confidential and shall not be disclosed to
      any other
      person, firm or corporation except as required in the specific performance
      of this
      Agreement. The foregoing confidentiality obligation shall not apply to
      such Licensee
      Confidential Information which: (i) at the time of disclosure, is publicly
      available
      or in the public knowledge; (ii) after disclosure, lawfully becomes part
      of
      the public knowledge through publication or otherwise, but through no
      fault of the receiving party; (iii)
      the receiving party possesses at the time of disclosure of such
      Licensee Confidential Information and which was not acquired, directly or
      indirectly,
      from the disclosing party; (iv) was acquired by the receiving party from
      a third party who has the right to disclose such Licensee Confidential
      Information;
      (v) is independently developed by the receiving party without reference
      to the Licensee Confidential Information; or (vi) is required to be disclosed
      by law. RCA,
      its subsidiaries and affiliates nor any of their employees, officers
      oraffiliates shall use any ofNIA's Confidential Information learned in the
      course oftheir
      relationship with NIA for any purposes other than those contemplated by
      thisAgreement.
      HCA, its subsidiaries and affiliates and/or their employees,
      officersor
      affiliates shall not disclose any Licensee Confidential Information to any
      thirdparty
      except in order to perform its obligations under this
      Agreement.

            

    

     

    
      
        	
                 
      

              	
                7.2.

              	
                

                  The Parties
      acknowledge that all information, including without limitation
      information
      about the disclosed by RCA to NIA pursuant to this Agreement, as
      well
      as all non-public information about HeA's internal affairs, business
      plans, products,
      business practices (hereinafter "HCA Confidential Information")
      remains
      the exclusive property of HCA and that HCA has proprietary rights in
      and
      to the HCA Confidential Information and that such HCA's Confidential
      Information
      constitutes confidential information and trade secrets of HCA. NIA
      expressly
      recognizes that RCA Confidential Information pertaining to the
      business
      of HCA received pursuant to the carrying out of this Agreement shall
      remain
      confidential and shall not be disclosed to any other person, firm or
      corporation
      except as required in the specific performance of this Agreement.
      The
      foregoing confidentiality obligation shall not apply to such HCA
      Confidential Information
      which: (i) at the time of
      disclosure, is publicly available or in the public
      knowledge; (ii) after disclosure, lawfully becomes part of the public
      knowledge
      through publication or otherwise, but through no fault of the receiving
      party;

                

              

      

    

     

     

     

    
      
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      	 	(iii)
      the receiving party possesses at the time of disclosure of such RCA
      Confidential
      Information and which was not acquired, directly or indirectly, from
      the
      disclosing party; (iv) was acquired by the receiving party from a third
      party who
      has the right to disclose such RCA Confidential Information; (v) is
      independently
      developed by the receiving party without infringing on HCA rights;
      or
      (vi) is required to be disclosed by law. The
      obligations of this Section 7 shall survive the
      termination of this Agreement or any part
  hereof

    

     

    ARTICLE
EIGHT

     

    NOTICES

     

    
      	
               
      

            	
              8.1

            	
              Any
      notice or other request or communications required hereunder shall be in
      writing
      and shall be deemed given when personally delivered or sent by overnight
      carrier
      to the parties at the respective addresses set forth above or to such
      other address
      as the parties shall specify by notice
      similarly sent. If Notice to the NIA, notice
      shall be delivered to Roger Gross, Executive Vice President and Chief
      Operating
      Officer, with a copy to Steven L. Grossberg,
      President.

            

    

     

    
    

    ARTICLE NINE

     

    MISCELLANEOUS

     

    
      	
               
      

            	
              9.1

            	
              Governing Law and
      Jurisdiction. This
      Agreement shall be governed by and construed
      in accordance with the laws of the State of New Jersey applicable to contracts
      entered into therein, without reference to principles of choice of law or
      conflicts
      of laws. If any action or proceeding involving such questions arises under
      the Constitution, laws, or treaties of the United States of America, or if
      there
      is a diversity of citizenship between the parties thereto, so that it is
      to be brought
      in a United States District Court, it will be brought in the United States
      District
      Court for the District of New
      Jersey.

            

    

     

    
      	
               
      

            	
              9.2

            	
              Entire
      Agreement. The provisions, terms and conditions of this Agreement
      represent
      the entire agreement between the parties in relation to the subject matter
      hereof,
      and this Agreement supersedes any other agreement, understanding or representation,
      verbal or otherwise, relative to the subject matter hereof, between the
      parties prior to the time of execution of this Agreement. This Agreement
      shall be
      binding upon the heirs, executors, administrators, successors, permitted
      assigns or
      transferees of each Party and its shareholders, if any. This Agreement may
      be amended
      only by a written instrument executed by all of the
      Parties.

            

    

     

    
    

    
      	
               
      

            	
              9.3

            	
              Severability. If
      any clause, paragraph, term or provision of this Agreement shall be
      held or declared void or otherwise unenforceable by any court or other
      tribunal of
      competent jurisdiction, the same shall be deemed
      severed. and such holding declaration
      shall have no effect upon any other clause, paragraph, term, or provision
      of this Agreement, and this Agreement shall otherwise continue in and
      be
      given full force and
      effect.

            

    

     

     

     

    
      
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              9.4

            	
              No Waiver. No
      delay or omission on the part of any party in exercising any right under
      this Agreement shall operate as a waiver of any such right or of any other
      right.
      Waiver on anyone occasion shall not be construed as a bar to or waiver of
      any
      such right or remedy on any future
      occasion.

            

    

     

    
    

    
      	
               
      

            	
              9.5

            	
              Independent
      Contractors. Except as expressly provided herein, it is the express intention
      of the parties to be considered independent contractors and that nopartnership
      or joint venture shall be created as a result of this Agreement, that
      none
      of the parties shall be the agent, legal representative, franchisee or
      employee of
      another for any purpose whatsoever, and that no party is granted any right
      or authority
      to assume or create any obligation for or on behalf of, or in the name of,
      or
      in any way to bind another party. AU parties agree not to incur or
      contract any debt
      or obligation on behalf of any other party or commit any act, make any
      representation
      or advertise in any manner, which may adversely affect any right of
      another party or be detrimental to its good name and
      reputation.

            

    

    
    

     

    
      	
               
      

            	
              9.6

            	
              Amendments.
      Except as expressly provided herein, this Agreement may be amended
      or modified only by a written instrument executed by a duly authorized
      representative
      of each party.

            

    

     

    
    

    
      	
               
      

            	
              9.7

            	
              Force Majeure.
      As used herein, "Force
      Majeure" means any Act of God, act ofcivil
      or military authority, war, criminal act, fire, explosion, earthquake,
      flood, weather
      condition, power failure, labor problem, accident, or any other cause,
      beyond
      a party's or its designee's reasonable control. No failure or omission in
      the
      performance of any obligation hereunder shall be deemed a breach of this
      agreement or create any liability
      for damages if such failure arises from a Force Majeure
      event; provided, however, that the party unable to perform shall
      continue to
      exercise its best efforts to overcome the disability and find an
      alternative or substitute
      for the performance of its
      obligations.

            

    

     

    
    

    
      	
               
      

            	
              9.8

            	
              Counterparts.
      This Agreement may be executed in any number of counterparts, all
      of which when taken together will constitute a single
      instrument.

            

    

     

    
    

    
      	
               
      

            	
              9.9

            	
              Parties Executing. The parties
      executing this Agreement warrant that they have the
      requisite authority to do
so.

            

    

     

    
    

    
      	
               
      

            	
              9.10.

            	
              Insurance: NIA shall be required
      to maintain insurance for at least $1 million per occurrence/Sl
      S million annual aggregate, and HCA shall be required to maintain insurance
      for at least $1 million per occurrence/$15 million annual aggregate, covering
      negligent acts, errors, or omissions for the services HCA is providing
      under
      this Agreement. Such coverage shall be underwritten by "A" rated or better
      insurance
carriers.

            

    

     

     

     

    
      
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              9.11

            	
              Addenda. From time to time, the
      parties may mutually agree to modify this Agreement
      through an Addendum and execute it in writing as an
      attachment to this
      Agreement (each an "Addendum" and collectively the "Addenda"). To the
      extent
      that any provision of an Addendum conflicts with any provision of this
      Agreement
      that is not contained in an Addendum, the provision on the Addendum shall
      govern the construction and interpretation of this Agreement. To the
      extent that
      any provision of an Addendum conflicts with any provision of any other
      Addendum,
      the provision of the latest Addendum shall govern the construction and
      interpretation of this
      Agreement.

            

    

     

    
    

    
      	
               
      

            	
              9.12.

            	
              Recitals and Schedules Part of
      Agreement. The Recitals, Schedules, and Exhibits are
      an integral part of this Agreement, and any reference herein to this
      Agreement will
      be deemed to mean and include a reference to such Recitals, Schedules, and
      Exhibits.

            

    

     

    
    

    
      	
               9.13.

            	Construction. (a)
      It is hereby understood that the parties have jointly negotiated this
      Agreement.
      In the event of an ambiguity or question of intent or interpretation,
      this Agreement will be construed as if all parties jointly drafted
      it. No presumption or burden of proof will arise favoring or disfavoring
      any Party hereto by virtue of the authorship of any of the provisions
      of this Agreement.(b)
      Asused herein, (a) the term "person" means a natural person, a
      trustee,
      a Corporation, a partnership, a limited liability company and any
      other
      form of legal entity; and (b) all reference made in all genders (I) in
      the
      neuter, masculine, or feminine gender will be deemed to have been
      made
      in all genders, (ii) in the singular or plural number will be determined
      to have been made, respectively, in the plural or singular number
      as well and (iii) to a section, subsection, paragraph, or subparagraph
      will, unless therein expressly indicated to the contrary, be deemed
      to have been made to such section, subsection, paragraph, or subparagraph
      of this agreement.

    

     

     

     

    
      
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    SIGNATURE PAGE FOLLOWS

     

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

     

    HEALTHCARE
CORPORATION OF AMERICA, ITS SUBSIDIARIES, INCLUDING PRE CORPORATION
OF AMERICA (PCA) AND AFFILIATES:

    APPENDIX A TO FOLLOW

     

    
      
        	
                 

              	 	 	 	 
	
                /s/Roger
      Gross

              	 	 	
                /s/Gary
      J. Sekulski

              	 
	
                Name:
      Roger Gross

              	 	 	
                Name:
      Gary J. Sekulski

              	 
	
                Title:
      Executive Vice-President, and Cheif Operating Officer

              	 	 	
                Title:
      Cheif Executive Officer

              	 

      

     

     

     

    14

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