Document:

Employment Agreement between DCP Holding Company and Anthony A. Cook

 Exhibit 10.1 
 FIFTH AMENDED AND RESTATED 
 DCP HOLDING COMPANY 

EMPLOYMENT AGREEMENT 
  

 
 This Agreement
is entered into as of January 1, 2010 (the “Effective Date”), by and between DCP Holding Company, an Ohio corporation, with its principal offices at 100 Crowne Point Place, Cincinnati, Ohio 45241 (“Company”), and Anthony A.
Cook (“Employee”). 
 In consideration of the mutual obligations and promises contained herein, and intending to be
legally bound, the parties hereto agree as follows: 
 1. EMPLOYMENT. Company hereby employs Employee as an employee of Company
and Employee hereby accepts such exclusive employment under the terms and conditions of this Agreement. 
 2. TERM. Subject to
the provisions in Section 7 hereof, the term of employment shall continue after the Effective Date for a period of one (1) year ending on December 31, 2010, and shall be automatically extended for successive one (1) year periods
on the same terms and conditions as stated herein, unless on or prior to November 15th of any year either party provides written notice to the other party of termination of this Agreement effective upon the expiration of the current one-year
term. 
 3. OFFICE AND DUTIES. During the term of his employment hereunder, Employee shall serve in the capacity of President
and Chief Executive Officer of the Company. In such capacity, Employee shall do all things necessary and incident to this position and otherwise shall perform such functions as the Board of Directors of the Company may establish from time to time
commensurate with Employee’s skill, position and background as reasonably determined by the Board. The performance of the duties hereunder shall be performed at such reasonable time and places as shall be determined by the Board. The Employee
shall report directly to the Board of Directors. A description of the current duties is attached hereto as Exhibit A. 
 4.
COMPENSATION AND BENEFITS. In consideration for Employee’s performance of services and the non-competition provisions as described below, and subject to modifications as may be approved from time to time by Company and Employee, Employee shall
receive, during the term of this Agreement, compensation and benefits as follows: 
 (A) Base Salary. Employee shall be paid a
base annual salary in accordance with the regular payroll practices of the Company and Exhibit B of this Agreement. Employee’s base annual salary for 2009 and all subsequent years of the term of this Agreement shall not be less than $314,000.00
or such higher amount as is reflected on subsequent agreed revisions of Exhibit B. 
 (B) Bonus. Employee will be eligible to
receive an annual bonus equal to 30% of annual base salary pursuant to the Annual Incentive Plan and a stock and cash award pursuant to the Long Term Incentive Plan in accordance with Exhibit B of this Agreement, as revised on an annual basis.

 (C) Employee Benefits. Employee will be eligible to participate in all health, welfare, insurance and other benefits
available to all other employees of the Company 
 (D) Vacations. Employee shall be entitled to vacation and personal time in
accordance with the Company’s PTO policy as it exists from time to time. 

 (E) Automobile Allowance. The Company will pay up to Five Hundred ($500.00) Dollars per
month for the lease of an automobile of Employee’s choice and will reimburse Employee for all documented fuel, insurance, maintenance and other operational costs. 
 (F) Payroll Withholdings. Employee authorizes the Company to deduct from any payment made pursuant to Section 4 hereof all amounts required to be withheld by federal, state and/or local taxing
authorities. 
 (G) Club Membership. The Company will pay up to Seven Thousand Two Hundred ($7,200) Dollars for 2009 for fees
and expenses for a club membership at Four Bridges Country Club. 
 (H) Annual Performance Review. The Employee’s
performance of his duties under this Agreement shall be reviewed by the Board of Directors or a committee of the Board of Directors at least annually and finalized within thirty (30) days of the receipt of the annual audited financial
statements. The Board of Directors or a committee of the Board of Directors shall additionally review the base salary, bonus and benefits provided to the Employee under this Agreement and may, in their discretion, adjust the same, as outlined in
Addendum B of this Agreement, provided, however, that Employee’s annual base salary shall not be less than the base salary set forth in Section 4(A) hereof. 
 5. EXPENSES. Company shall pay or reimburse Employee for all travel and out-of-pocket expenses reasonably incurred or paid by Employee in connection with the performance of his duties upon presentation of
expense statements or receipts or such other supporting documentation as the Company may reasonably require. 
 6. OUTSIDE
EMPLOYMENT. Employee shall devote his full time and attention to the performance of the duties incident to his position with the Company, and shall not have any other employment with any other enterprise or substantial responsibility for any
enterprise which would be inconsistent with Employee’s duty to devote his full time and attention to Company matters without the prior consent of the Board of Directors. 
 7. TERMINATION AND SEVERANCE PAY. 
 (A) Death. This Agreement shall be terminated
on the death of Employee, effective as of the end of the month in which his death occurs. 
 (B) Disability. This Agreement may
be terminated, at the option of the Company, if, because of a disability, Employee is unable to perform his job responsibilities after reasonable accommodations. This section will be applied consistent with the Company’s obligations under
applicable federal and state law, including the Americans with Disabilities Act Amendments Act. 
 (C) Termination - Good Cause.
Nothing in this Agreement shall be construed to prevent the Company from terminating Employee’s employment hereunder for good cause (“Good Cause”) at any time. For this purpose, Good Cause shall include the following: alcohol or other
drug dependence or addiction; conviction for any crime involving moral turpitude, fraud or misrepresentation, material neglect of duty; misappropriation, embezzlement or theft of Company funds or property; conduct which is materially injurious to
the reputation, business or business relationships of the Company; or material violation of Company policy or any of the provisions of this Agreement. The effective date of such termination for Good Cause shall be the date of receipt by Employee or
his legal representative of written notice of the termination stating the full basis for such cause or such later date as may be specified in such notice. Termination of Employee’s employment for Good Cause shall not constitute a breach of this
Agreement and Employee shall not be entitled to any compensation arising on or after the effective date of such termination. In the event the Company is sold, transferred and/or merged with or to another entity, it

  
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shall not be deemed an event of Good Cause to terminate Employee. if the new entity elects to retain Employee, Employee shall be terminated only in accordance with Section 7 of this
Agreement. 
 (D) Severance Pay. The Company may, by action of the Board, terminate this Agreement without Good Cause upon the
payment of the amounts described in this subparagraph. If, and only if, the Company terminates this Agreement either (i) in accordance with the notice provision of Section 2, or (ii) at any time during the term of this Agreement
without Good Cause, then the Employee shall be entitled to severance pay as determined herein. Employee shall receive the greater of (i) eight (8) months of severance pay or (ii) one (1) month of severance pay for each month
remaining under the initial or any renewal term of the Agreement. One month of severance pay shall equal one month of the Employee’s base salary as in effect on the date of termination. The Company shall pay such severance pay consistent with
the Company’s severance policy and practice, as it exists from time to time. If the Employee secures other employment during the time in which severance pay is to be paid pursuant hereto, then commencing with the date of such subsequent
employment, Employer shall reduce the remaining severance pay to be paid hereunder by one-half. Employee hereby agrees to notify the Company of any and all changes in his employment status and of the amount of all salary, wages, commission or other
income received from another Employer during the period he is entitled to severance pay. All bonuses to which Employee would otherwise be eligible during the year in which an Employee’s employment is terminated shall be pro-rated through the
date of termination regardless of whether such benefit is deemed to accrue or be payable after the date of termination. Moreover, during the stated severance pay period, Employee shall continue to receive the stated benefits as described in
Section 4(C), but not any other benefits described in Section 4(E) or 4(G). 
 (E) Termination – Good Reason.
Employee’s employment with the Company may also be terminated by the Employee for Good Reason. “Good Reason” means (i) a material breach by the Company of any provision of this Agreement, which breach is not cured or offending
conduct ceased by the Company within 30 days after the Company receives written notice thereof from the Employee; (ii) the assignment of duties or responsibilities to the Employee by the Board that are inconsistent with the Employee’s
position with the Company as of the date of this Agreement or reflect a material diminution in the status of the Employee within the Company. In the event Employee terminates employment for Good Reason, he shall be entitled to severance pay and
benefits as provided for in Section 7(D) above. 
 (F) Change of Control. In the event that, at any time during the
Employee’s employment under this Agreement, the Company experiences a Change of Control (as hereinafter defined), then, provided that Employee shall have executed a release in the form and substance acceptable to the Company and subject to the
other terms and conditions contained in this Agreement, the Employee may terminate his employment hereunder within fifteen (15) days of the occurrence of the Change of Control and, if so timely elected, shall be entitled to receive severance
benefits in accordance with and subject to the terms of Section 7(D) above. “Change of Control” means: (i) a change in the majority of members of the Board of Directors, or a change in any three members of the Board who are
dentists, unless, in either case, pursuant to the recommendation of the Nominating Committee of the Board; or (ii) the sale, lease or other disposition of all or substantially all of the assets of the Company; or (iii) an acquisition of
the Company by another corporation or entity by stock sale, consolidation, merger or other reorganization in which the holders of the Company’s outstanding voting stock immediately prior to such transaction own, immediately after such
transaction, securities representing less than 50% of the voting power of the corporation or other entity surviving such transaction 
 (G) Membership on Board. Employee’s membership on the Board of Directors shall cease concurrent with the effective date of termination (for any reason) of Employee’s employment. 

  
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 8. CONFIDENTIAL INFORMATION. Employee recognizes and acknowledges that
information gained by Employee while employed by the Company, including without limitation that concerning the Company’s customers, suppliers and participating providers, and the methods, techniques, devices and operations of the Company, as
they may exist from time to time, are of a confidential nature and are valuable, special and unique assets of the Company’s business. Employee shall not, during the term of or after the termination of employment, disclose in any way any such
confidential information to any person, firm, corporation or any other operation or entity, or use the same on the
Employee’s own behalf, for any reason or purpose.
Upon termination of employment, the Employee shall deliver up to the Company all lists of the Company’s customers, suppliers and participating providers, and all copies thereof (including without limitation electronically stored information),
and all notes, records, memoranda, complete correspondence files and other papers, and all copies thereof (including without limitation electronically stored information) relating to the methods, techniques, devices and operations of the Company,
and the Employee does not have, nor can Employee acquire, any property right therein or claim thereto or in the underlying confidential information. The parties acknowledge that the Employee has substantial skills and experience as an executive
which have been enhanced during the period of his employment by the Company. The intent of this Section 8 is not to preclude Employee from using such skills and experience in other permitted employment, but only to preclude the use of those
methods, techniques, devices and operations which are unique or proprietary to the Company. 
 9. DIVERSION OF BUSINESS. The
Employee shall not, during the period of employment by the Company and for a period ending six months following termination of employment (for any reason), either for the Employee or on behalf of any person, firm, corporation or any other operation
or entity, directly or indirectly: 
 (A) Divert or attempt to divert from the Company any business whatsoever by influencing or
attempting to influence, or soliciting or attempting to solicit any of the customers or participating providers of the Company with whom Employee may have dealt at any time or who were customers or participating providers of the Company on the date
of termination of the Employee’s employment or had been customers or participating providers of the Company prior thereto; or 
 (B) Divert or attempt to divert from the Company any person employed by the Company by influencing or attempting to influence such person to leave the Company’s employ. 

10. NON-COMPETITION AGREEMENT. For a period ending six (6) months from the termination of Employee’s employment with the
Company for any reason, Employee hereby agrees that he will not, directly or indirectly render any services as an officer, director, employee, agent, consultant or in any other capacity to, or own any interest (other than an interest of less than
five percent (5%) of the stock or a publicly held company), as an individual owner, stockholder, partner or in any other manner in any person, firm, corporation, partnership or other entity which is a competitive business (“Competitive
Business”) in any standard metropolitan statistical area in which the Company has customers or participating providers or has a Certificate of Authority to do business at the time of such termination. 

For the purpose of the Agreement, Competitive Business shall mean any business operation (including a sole proprietorship), which engages
in, as all or a significant part of its business, the business of a dental care health maintenance organization or engages in any other business in competition with the Company in any geographic area in which the Company then operates. 

  
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 11. ACKNOWLEDGMENT. The Company and Employee each hereby acknowledge and agree as follows:

 (A) The covenants, restrictions, agreements and obligations set forth herein are founded upon valuable consideration, and
with respect to the covenants, restrictions, agreements and obligations set forth in Sections 9 and 10 hereof, are reasonable in duration and geographic scope; 
 (B) In the event of a breach or threatened breach by Employee of any of the covenants, restrictions, agreements and obligations set forth herein, monetary damages or the other remedies at law that may be
available to the Company for such breach or threatened breach will be inadequate and, without prejudice to the Company’s right to pursue any remedies at law or in equity available to it for such breach or threatened breach, including, without
limitation, the recovery of damages from Employee, the Company will be entitled to injunctive relief; and 
 (C) In the event
that the covenant not to compete contained in Section 10 is the subject of an arbitratable dispute pursuant to Section 15 and is found to be invalid or unenforceable as to such time period and/or geographical area, it will be valid and
enforceable in such geographical area(s) and for such time period(s) which the arbitrator(s) determine to be reasonable and enforceable. Furthermore, any period of restriction or covenant herein stated shall not include any period of violation or
period of time required for arbitration or litigation to enforce such restriction or covenant. 
 12. INDEMNIFICATION. Company
shall indemnify and defend Employee for acts or omissions performed by the Employee in the scope of his employment and in a manner reasonably believed to be lawful providing that Employee’s acts or omission do not constitute gross negligence,
recklessness, willful misconduct, or the intentional infliction of harm. 
 13. ASSIGNMENT, SUCCESSORS AND ASSIGNS. This
Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective legal representatives, successors and assigns. The Company shall assign or otherwise transfer its rights under this Agreement to any successor or
affiliated business or corporation (whether by sale or stock, merger, consolidation, sale of assets or otherwise), but this Agreement may not be assigned, nor may the duties hereunder be delegated, by Employee. In the event that the Company assigns
or otherwise transfers its rights under this Agreement to any successor or affiliated business or corporation (whether by sale of stock, merger, consolidation, sale of assets or otherwise), for all purposes of this Agreement, the “Company”
shall then be deemed to include the successor or affiliated business or corporation to which the Company assigned or otherwise transferred its rights hereunder. Should an ownership transfer event as described above occur, the Company may choose not
to terminate this Agreement, in which case Section 7(D) (Severance Pay) would apply. Such action will not be deemed a Termination for Good Cause. 
 14. NOTICE. Any notice required or which may be given under the provisions of this Agreement shall be in writing and shall be personally delivered or sent by certified mail, return receipt requested. All
notices shall be deemed to have been given on the date personally delivered or, if mailed, on the date received or three business days after the date of mailing, whichever is earlier. If mailed to Company, such notice shall be mailed to its then
principal office. If mailed to Employee, it shall be addressed to Employee’s home address then shown on Company’s records. 
 15. GOVERNING LAW. This Agreement shall be subject to, governed by and interpreted in accordance with the laws of the State of Ohio without regard to its rules as to conflicts of laws. 

16. ARBITRATION OF DISPUTES. All disputes and controversies of every kind and nature between the Company and Employee arising out of or
in connection with this Agreement, including, but not 

  
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limited to, the existence, validity, interpretation or meaning, performance or nonperformance, breach, continuance, termination, or any claim of discrimination by the Employee, shall be submitted
to arbitration with the American Arbitration Association in Hamilton County, Ohio in accordance with its procedures and guidelines. The parties hereby agree that the decision of such arbitration shall be a binding and final decision upon the
parties. 
 17. SEVERABILITY. Each of the provisions of this Agreement shall stand independently and severally, and the
invalidity of any one Section or portion thereof shall not affect the validity of any other Section. In the event any Section or portion thereof shall be construed to be invalid, no other Section of this Agreement shall be affected thereby.

 18. SURVIVAL. Any provision of the Agreement which imposes an obligation after termination of employment under this Agreement
shall survive the termination of employment hereunder and shall be binding upon the parties hereto. 
 19. ENTIRE AGREEMENT.
This Agreement constitutes the entire agreement and understanding between the Company and Employee and shall supersede all prior oral or written statements of any kind whatsoever made by the parties. No statement subsequent to this Agreement
purporting to modify any of its terms and conditions shall be binding unless expressly agreed to in writing and signed by both the Company and Employee. The foregoing restrictions shall not apply with respect to any change by the Company of the
Employee’s compensation or benefits pursuant to Section 4 or to any change in the Employee’s title or duties to which Employee has acquiesced or consented. 
 20. WAIVER. No waiver by either party of any breach of this Agreement by the other party shall operate or be construed as a waiver of any subsequent breach of the same or any other provision. No waiver
shall be effective unless in writing. 
 IN WITNESS WHEREOF, the parties have hereunto set their hands effective as of the date
first above written. 
  

					
	EMPLOYEE:	 		 	COMPANY: DCP Holding Company
			
		 		 	 By:    /s/ Stephen T. Schuler, DMD

	 /s/ Anthony A. Cook
	 		 	     Stephen T. Schuler, DMD

	Anthony A. Cook	 		 	       Chairman of the Board

  
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 EXHIBIT “A” 
 DCP HOLDING COMPANY POSITION DESCRIPTION 
  

			
	POSITION TITLE:	  	President
		
	REPORTS TO:	  	Board of Directors
	PURPOSE:	  	Responsible for the direction and administration of DCP Holding Company in accordance with Board policy, sound business practices, and the legal requirements of Ohio, Indiana and
Kentucky.

 DUTIES AND RESPONSIBILITIES: 
  

	1.	ADMINISTRATIVE MANAGEMENT 

  

	 	A.	Direct all areas of staff and Human Resource Administration. 

  

	 	B.	Prescribe duties, limitations and responsibility of staff through effective position descriptions, encouraging success and ongoing communication.

  

	 	C.	Maintain effective, responsive and cost-conscious daily operations. 

  

	2.	BOARD RELATIONS 

  

	 	A.	Develop and recommend corporate objectives, plans and policies to the Board. 

 

	 	B.	Implement corporate objectives, plans and policies approved by the Board. 

  

	 	C.	Plan and coordinate all Board and Board Committee meetings with the Board Chair or Committee Chair. 

 

	 	D.	Establish effective communication and rapport with all Board Members. 

  

	3.	PROVIDER RELATIONS 

  

	 	A.	Recognizing providers are the DCP Holding Company product - continually promote their skills, quality, cost-effectiveness and value to all public.

  

	 	B.	Establish leadership, stability and effective communication with all DCP Holding Company providers. 

 

	 	C.	Continued awareness that the success of DCP Holding Company and their providers grow together. 

 

	4.	CUSTOMER RELATIONS 

  

	 	A.	Actively promote DCP Holding Company in all Marketing, Sales, Public Relations, and Community activity. 

 

	 	B.	Strategize that the DCP Holding Company product is placed effectively before the public with emphasis on “Agent/Broker” 

 

	 	C.	Continually monitor the success, quality and effectiveness of DCP Holding Company marketing 

 

	5.	CORPORATE PROFITABILITY 

  

	 	D.	Develop plans for future DCP Holding Company growth while ensuring the soundness of corporate finances and profitability. 

JOB SPECIFICATIONS: 
  

	 	•	 	 Degree in relevant field of study or related equal job experience, 

 

	 	•	 	 Five to seven years of related experience in the health/dental insurance field in an executive management position, where budgetary, policy and
operational decisions have been made. 

 EXHIBIT “B” ADDENDUM TO DCP HOLDING COMPANY PRESIDENT EMPLOYMENT 

AGREEMENT 
 The
salary range of the President shall be reviewed and adjusted annually as recommended by the Compensation and Benefits Committee and approved by the Board of Directors. The Base Compensation for 2010 shall be $314,000.00. 

ANNUAL INCENTIVE PLAN 
  

									
	 CASH AWARD
	  				  			
	 Threshold
	  	 	15% of Base	 	  	$	47,100.00	  
	 Target
	  	 	30% of Base	  	  	$	94,200.00	  
	 Stretch
	  	 	45% of Base	  	  	$	141,300.00	  
	 Maximum
	  	 	60% of Base	  	  	$	188,400.00	  

 LONG TERM INCENTIVE PLAN

  

									
	 A)    STOCK AWARD
	  	 	5% of Base	  	  	$	 15,700.00	  
	 B)     CASH AWARD
	  				  			
	 Threshold
	  	 	5% of Base	  	  	$	15,700.00	  
	 Target
	  	 	15% of Base	 	  	$	47,100.00	  
	 Stretch
	  	 	25% of Base	  	  	$	78,500.00	  
	 Maximum
	  	 	45% of Base	  	  	$	141,300.00	  

 2010 ANNUAL LONG TERM INCENTIVE BONUS DETAIL 

 

	A.	Stock Award/RSU 

The stock award for DCP’s President and CEO is authorized under the “DCP Holding Company Amended and Restated 2006 Dental Care
Plus Management Equity Incentive Plan”. Stock RSU’s are awarded in an amount equal to five percent (5%) of base salary and is considered “Long Term” as it vests incrementally over five years. There is no performance targets
other than longevity with the company. 
  

					
	 STOCK AWARD 5% BASE SALARY OF $314,000.00
	  	$	15,700.00	  

  

	B.	Cash Award 

 The
Long Term Cash Incentive is a bonus designed to motivate the CEO to achieve long term success for the company as well as assist in the retention of the President and CEO over time. Long Term Incentive bonus compensation is based on one criteria,
“Future Book Value of Common Stock” and it is based on achieving growth of the book value over a period of four years, 2009 through 2013. 
 BOOK VALUE OF COMMON STOCK, (12/31/2009 BOOK VALUE = $5,229,211) 
  

													
	 Level
	  	 Definition
	  	 4 Year Ave.
	  	Book Value 2014	 	  	Bonus paid	 
	 Threshold
	  	5% of Base	  	10%	  	$	7,656,088.00	  	  	$	15,700.00	  
	 Target
	  	15% of Base	  	12%	  	$	8,228,265.00	  	  	$	47,100.00	  
	 Stretch
	  	25% of Base	  	14%	  	$	8,831,929.00	  	  	$	78,500.00	  
	 Maximum
	  	45% of Base	  	16%	  	$	9,468,215.00	  	  	$	141,300.00	  

 Notes: 

 

	1.	If performance is under Threshold Level, no Long Term Incentive bonus is paid. 

	2.	No additional bonus is paid for performing beyond Maximum Level. 

	3.	Actual bonus paid is calculated and paid on a continuum between any two performance levels. 

	4.	Should Target Level or above be achieved for any two consecutive years prior to maturity, a 50% payout will be made. 

	5.	With Board of Director approval, a new four year performance measurement period begins each new year. 

 2010 ANNUAL INCENTIVE SHORT TERM BONUS DETAIL 

The Annual Incentive (Short Term Bonus) compensation is designed to motivate the CEO to meet and/or exceed goals for budget performance
on 1) 2010 Operating Revenue (OR), 2) 2010 Net Operating Income (NOI), and 3) Discretion/MOB (MOB). These performance criteria are weighted respectively as 40%, 40% and 20% of the total Annual Incentive Short Term Bonus. 

TOTAL OPERATING REVENUE (2010 BUDGET OF $76,506,039.00) 
  

													
	 Level
	  	 Definition
	  	 Performance
	  	2010 OR	 	  	Bonus paid	 
	 Threshold
	  	15% of Base	  	90% Budget	  	$	68,855,435.00	  	  	$	18,840.00	  
	 Target
	  	30% of Base	  	103% Budget	  	$	78,801,220.00	  	  	$	37,680.00	  
	 Stretch
	  	45% of Base	  	115% Budget	  	$	87,981,945.00	  	  	$	56,520.00	  
	 Maximum
	  	60% of Base	  	130% Budget	  	$	99,457,851.00	  	  	$	75,360.00	  

 NET OPERATING INCOME (2010 BUDGET
OF $1,202,027.00) 
  

													
	 Level
	  	 Definition
	  	 Performance
	  	2010 NOI	 	  	Bonus paid	 
	 Threshold
	  	15% of Base	  	90% Budget	  	$	1,081,824.00	  	  	$	18,840.00	  
	 Target
	  	30% of Base	  	103% Budget	  	$	1,238,088.00	  	  	$	37,680.00	  
	 Stretch
	  	45% of Base	  	115% Budget	  	$	1,382,331.00	  	  	$	56,520.00	  
	 Maximum
	  	60% of Base	  	130% Budget	  	$	1,562,635.00	  	  	$	75,360.00	  

 DISCRETION/MOB 

 

											
	 Level
	  	 Definition
	  	 Achievement
	  	 2010 MOB
	  	Bonus paid	 
	 Threshold
	  	15% of Base	  	90% of Goals	  		  	$	 9,420.00	  
	 Target
	  	30% of Base	  	103% Budget	  		  	$	18,840.00	  
	 Stretch
	  	45% of Base	  	115% Budget	  		  	$	28,260.00	  
	 Maximum
	  	60% of Base	  	130% Budget	  		  	$	37,680.00	  

 Notes: 

 

	1.	If performance is under Threshold Level in any criteria, no bonus is paid for that criteria. 

	2.	No additional Bonus is paid for performance beyond Maximum Level. 

	3.	Actual Bonus paid is calculated and paid on a continuum between any two performance levels.Amendment No. 2 to Revolving Note, Mortgage Modification Agreement

 Exhibit 10.6 
 AMENDMENT NO. 2 
 TO 

REVOLVING NOTE 
 This AMENDMENT NO. 2 TO REVOLVING NOTE (this “Amendment”) is made as of December 15, 2010 by and between DENTAL CARE PLUS, INC., an Ohio corporation (“Borrower”), and
FIFTH THIRD BANK, an Ohio banking corporation (“Lender”), under the following circumstances: 

A. Lender has made available to Borrower a $650,000.00 line of credit as evidenced by Borrower’s Revolving Note dated
as of December 18, 2008, as amended by Amendment No. 1 to Revolving Note dated as of December 15, 2009 (as amended hereby and from time to time, the “Note”). Capitalized terms not otherwise defined herein having the
respective meanings ascribed to those terms by the Note. 
 B. Borrower and Lender now desire to amend the Note
as set forth below 
 NOW THEREFORE, by mutual agreement of the parties and in mutual consideration of these premises and for
other good and valuable consideration, the receipt of which is hereby acknowledged, the parties hereby agree as follows: 

Section 1. Amendment to Note. The Note is hereby amended as follows: 

(a) The maximum principal amount of the Note is increased to $700,000.00. 

(b) The first paragraph of the Note captioned “Promise to Pay” is amended in its entirety to read as follows: 

“On or before December 15, 2011 (the “Maturity Date”), the undersigned, DENTAL CARE PLUS, INC., an Ohio
corporation, located at 100 Crowne Pointe Place, Cincinnati, Ohio 45241 (“Borrower”), for value received, hereby promises to pay to the order of FIFTH THIRD BANK, an Ohio banking corporation, located at 38 Fountain Square Plaza,
Cincinnati, Ohio 45263 (together with its successors and assigns, the “Lender”), the sum of Seven Hundred Thousand and 00/100 Dollars ($700,000.00) (as reduced by the Bank as set forth below, the “Borrowing”), plus interest as
provided herein, less such amounts as shall have been repaid in accordance with this Note. The outstanding balance of this Note shall appear on a supplemental bank record and is not necessarily the face amount of this Note, which record shall
evidence the balance due pursuant to this Note at any time. As used herein, “Local Time” means the time at the office of Lender specified in this Note.” 
 (c) The third paragraph under “(1) Financial Statements” in the “Affirmative Covenants” of the Note is amended in its entirety to read as follows: 

 “All of the statements referred to in (a) and (b) shall be in conformance
with the specific statutory financial reporting requirements applicable to Borrower, and Borrower shall give representatives of Lender access thereto at all reasonable times, including permission to examine, copy and make abstracts form any such
books and records and such other information which might be helpful to Lender in evaluating the status of the loans as it may reasonably request from time to time.” 
 (d) The following paragraph captioned “(3) Minimum Tangible Net Worth” is hereby inserted in the “Affirmative Covenants” of the Note: 

“(3) Minimum Tangible Net Worth. Borrower shall have, as at the end of each of its fiscal years, commencing with the fiscal
year of Borrower ending on December 31, 2010, a Tangible Net Worth equal to or greater than $2,500,000.00.” 
 (e) The
second sentence in the paragraph denoted as “Definitions” is hereby amended in its entirety to read as follows: 

“All financial terms used herein but not defined on the exhibits, in the Mortgage, if applicable, or any other Loan Document have
the meanings given to them by the specific statutory financial reporting requirements applicable to Borrower.” 
 (f) The
following defined term “Tangible Net Worth” is inserted under “Definitions” of the Note: 
 “Tangible
Net Worth” means, with respect to Borrower, the total of all assets minus all liabilities (or stockholders’ equity) plus any deferred acquisition liabilities (broker commissions and accrued premium tax) minus any deferred acquisition
assets (cost asset and prepaid expenses). 
 (g) The following “Event of Default” is hereby added to the “Events
of Default” under the Note: 
 “13. Borrower shall default, without any cure right or grace period, in the performance
of the affirmative covenant captioned “Minimum Tangible Net Worth.” 
 Section 2. Representations and
Warranties of Borrower. Borrower hereby represents and warrants that: 
 (a) The Note, as amended hereby, remains
unmodified and in full force and effect. 
 (b) No Event of Default is continuing under the Note. 

(c) All of the representations and warranties of Borrower set forth in the Note, as amended hereby, are true and correct in all material
respects as if made on such on the date 

  
 2 

 
of this Amendment. 
 (d) The Borrower has no cause of action, at law or
in equity, against Lender, including, without limitation, any offset, counterclaim or defense with respect to the Note, the loan evidenced thereby, the other Loan Documents, or any document executed and delivered in connection with the Note or the
other Loan Documents. 
 Section 3. Effective Date. This Amendment shall become effective as of its date upon
the execution and delivery of this Amendment by the parties hereto. 
 Section 4. Fees, Costs and Expenses.
Borrower hereby agrees to (a) pay to the Lender on the date hereof a note processing fee in the amount $400.00, (b) execute and deliver a amendment to the Mortgage and the related Assignment of Rents and Leases, in form and content
acceptable to Lender, increasing the principal amount secured thereby to $700,00.00, and (c) reimburse the Lender on demand for all costs and expenses incurred by the Lender in connection with this Amendment and the transactions contemplated
hereby, including its reasonable legal fees and expenses, recording costs and the costs of any endorsement to the title insurance policy insuring the Mortgage. Borrower hereby irrevocably authorizes and directs the Lender to debit its commercial
operating account at the Lender for the payment of such fees, costs and expenses. 
 Section 5.
Miscellaneous. Lender and Borrower hereby agree as follows: 
 (a) This Amendment is limited precisely as written and
shall not (i) constitute a consent under or waiver or modification of any other term or condition of the Note, or (ii) prejudice or otherwise effect any right or privilege which Lender now has or may have in the future under the Note.
Except as expressly amended and modified by this Amendment, the Note shall continue in full force and effect in accordance with its terms. 
 (b) This Amendment may be executed in any one or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. 

(c) This Amendment shall be governed by, and construed and enforced in accordance with, the laws of the State of Ohio. 

(d) Borrower authorizes any attorney of record to appear for it in any court of record in the State of Ohio, after any Obligation due
under the Note, as amended, becomes due and payable whether by its terms or upon default, waive the issuance and service of process, and release all errors, and confess a judgment against it in favor of the holder of such Obligation, for the
principal amount of such Obligation plus interest thereon, together with court costs and attorneys’ fees. Stay of execution and all exemptions are hereby waived. If an Obligation is referred to an attorney for collection, and the payment is
obtained without the entry of a judgment, Borrower shall pay to the holder of such obligation its attorneys’ fees. Borrower waives any conflict of interest caused by an attorney that represents Lender acting as attorney for Borrower as set
forth in this  

  
 3 

 
paragraph. Borrower also agrees that the attorney acting for Borrower as set forth in this paragraph may be compensated by Lender for such services, and each obligor waives any conflict of
interest caused by such compensation arrangement. 
 (Remainder of page is intentionally blank.) 

  
 4 

 IN WITNESS WHEREOF, Borrower and Lender have executed this Amendment by their duly
authorized representatives as of the date first above written in Cincinnati, Ohio. 
 WARNING - BY SIGNING THIS PAPER YOU GIVE UP YOUR
RIGHT TO NOTICE AND COURT TRIAL. IF YOU DO NOT PAY ON TIME A COURT JUDGMENT MAY BE TAKEN AGAINST YOU WITHOUT YOUR PRIOR KNOWLEDGE AND THE POWERS OF A COURT CAN BE USED TO COLLECT FROM YOU REGARDLESS OF ANY CLAIMS YOU MAY HAVE AGAINST THE CREDITOR
WHETHER FOR RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS PART TO COMPLY WITH THE AGREEMENT, OR ANY OTHER CAUSE. 
  

			
	DENTAL CARE PLUS, INC.
		
	By:	 	/s/ Anthony A. Cook
	Title:	 	President & CEO
	
	FIFTH THIRD BANK
		
	By:	 	/s/ Christopher S. Bell
	Its:	 	Vice President

  
 5 

 MORTGAGE MODIFICATION AGREEMENT 

THIS MORTGAGE MODIFICATION AGREEMENT (this “Modification”) is made as of December 15, 2010, by and between DENTAL
CARE PLUS, INC., an Ohio corporation (“Mortgagor”), and FIFTH THIRD BANK, an Ohio banking corporation (“Mortgagee”), under the following circumstances: 

A. Mortgagor executed and delivered to Mortgagee an Open-End Mortgage and Security Agreement dated December 18, 2008, and filed for
record on December 31, 2008 in Official Record Book 11032, Page 15, Document Number 08-0166880, of the Hamilton County Ohio Records (the “Mortgage”), which Mortgage encumbers, and is a valid lien on, the real property described
on Exhibit A hereto. 
 B. The Mortgage secures a Revolving Note executed by Mortgagor and made payable to the order of
Mortgagee, pursuant to which Mortgagor may borrow, on a revolving basis, an aggregate principal amount not to exceed $650,000 (the “Note”). 
 C. On the date hereof, the aggregate principal amount that Mortgagor may borrow under the Note, on a revolving basis, is being increased to $700,000. 

D. Mortgagee and Mortgagor now desire to amend the Mortgage as provided herein to increase the maximum amount of the unpaid principal
indebtedness secured by the Mortgage to $700,000. 
 NOW, THEREFORE, for valuable consideration, the receipt and
sufficiency of which the parties hereby acknowledge, it is agreed as follows: 
 1. The Mortgage is hereby amended as follows:

 (a) The “Maximum Amount Unpaid Principal Indebtedness” of the Mortgage is now $700,000. 

  
 6 

 (b) The first “WHEREAS” clause of the Mortgage is amended in its entirety to read
as follows: 
 “WHEREAS, Mortgagor is indebted to Mortgagee in the aggregate principal amount of Seven Hundred Thousand
Dollars ($700,000) pursuant to the Revolving Note executed by Mortgagor and made payable to the order of Mortgagee, in the principal amount of Seven Hundred Thousand Dollars ($700,000) (as amended from time to time, the “Note”), and all
agreements, instruments and documents executed or delivered in connection with the foregoing or otherwise related thereto (together with any amendments, modifications, or restatements thereof, the “Loan Documents”); and” 

(c) Section 6.13 of the Mortgage captioned “Future Advances” is hereby amended in its entirety to read as follows:

 “Future Advances. The parties hereto intend and agree that this Mortgage shall secure unpaid balances of any loan
advances, whether obligatory or not, and whether made pursuant to the Loan Documents or not, made by Mortgagee after this Mortgage is delivered to the Recorder for record to the extent that the total unpaid loan indebtedness, exclusive of interest
thereon, does not exceed the maximum amount of unpaid loan indebtedness which may be outstanding at any time, which is Seven Hundred Thousand Dollars ($700,000). Mortgagor further covenants and agrees to repay all such loan advances with interest,
and that the covenants contained in this Mortgage shall apply to such loan advances as well.” 
 2. Except as modified
hereby, the Mortgage shall remain unmodified and in full force and effect. 
 3. This Modification may be executed in any one or
more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. 

 IN WITNESS WHEREOF, the parties to hereto have executed this Modification as
of the date first written above. 
  

			
	MORTGAGOR:
	
	DENTAL CARE PLUS, INC., an Ohio corporation
		
	By:	 	/s/ Anthony A. Cook
		 	Title: President & CEO
	
	MORTGAGEE:
	
	 FIFTH THIRD BANK,

an Ohio banking corporation

		
	By:	 	/s/ Christopher S. Bell
		 	Title: Vice President

 Exhibit A – Site
Description 

  
 8 

					
	STATE OF OHIO	  	)	  	
		  	)	  	ss:
	COUNTY OF Hamilton	  	)	  	

 The foregoing instrument was acknowledged before me this 30th day of December, 2010, by Anthony A. Cook, the President &
CEO of Dental Care Plus, Inc., an Ohio corporation, on behalf of the company. 
 /s/ Beth A. Rogers 

Notary Public 
  

					
	STATE OF OHIO	  	)	  	
		  	)	  	ss:
	COUNTY OF Hamilton	  	)	  	

 The foregoing instrument was acknowledged before me this 30th day of December, 2010, by Christopher S. Bell, Vice President of
Fifth Third Bank, an Ohio banking corporation, on behalf of the corporation. 
 /s/ Beth A. Rogers 

Notary Public 
 This Instrument
Prepared By: 
 Arik A. Sherk, Esq. 

THOMPSON HINE LLP 
 10 West Second Street

 2000 Courthouse Plaza, NE 
 Dayton,
Ohio 45402-1758 
 (937) 443-6757 

  
 9 

 EXHIBIT A 
 Site Description 
 Situated in Section 35, Town 4, Entire Range 1,
Miami Purchase, Sycamore Township, City of Sharonville, Hamilton County, Ohio, being a 2.782 acre portion of a 5.280 acre parcel as conveyed to Miller Valentine Crowne Point Ltd. 

As recorded in Official Record 8264, Page 2141 and being more particularly described as follows: 

Beginning for reference at a P.K. Nail at the intersection of the centerline of Evendale Drive (Lockland Road) with the centerline of
Sharon Road; thence along the centerline of Evendale Drive, South 03o 48' 48" West, 327.26 feet to a point; 

Thence continuing along said centerline South 05o 37' 58" West, 153.68 feet to a point; 

Thence leaving said centerline and along the North line of a 1.2725 Acre parcel, North 87o 41' 35" West, 207.70 feet to
the east right-of way of Canal Road as shown on the dedication plat of Canal Road and Evendale Drive as recorded in Plat Book 299, Page 35; 
 Thence crossing said right-of-way, North 56o 13' 05" West, 106.62 feet to the point of tangency of a 537.50 foot radius curve; 

Thence with the West right-of way of Canal Road on a curve to the left having a radius of 537.50 feet an arc length of 248.60 feet whose
chord bears South 04o 06' 52" East, 246.39 feet to a point; 
 Thence continuing with said West right-of-way,
South 17o 21' 52" East, 178.90 feet to a point; 
 Thence on a curve to the right having a radius of 1115.50 feet
an arc length of 506.55 feet whose chord bears South 04o 21' 20" East, 502.21 feet to a point; 
 Thence on a
curve to the right having a radius of 40.00 feet and arc length of 61.43 feet whose chord bears South 52o 39' 08" West 55.57 feet to the North right-of-way of Crowne Point Drive and an iron pin found; 

Thence with the North right-of-way of Crowne Point Drive as recorded in Plat Book 272, Page 98, North 83o 21'00" West,
79.94 feet to a 5/8 inch iron pin found and the TRUE POINT OF BEGINNING of the parcel herein described: 
 Thence continuing
with the North right-of way of Crowne Point Drive, North 83o 21' 00" West, 432.67 feet to a 5/8 inch iron pin found; 

  
 10 

 Thence along a curve to the right having a radius of 970.00 feet an arc length of 17.29 feet
whose chord bears North 82o 50' 23" West 17.29 feet to a 5/8 inch iron pin found; 
 Thence leaving said
right-of-way, along a curve to the right having a radius of 14.50 feet. an arc length of 24.31 feet whose chord bears North 34o 18' 39" West, 21.56 feet to a 5/8 inch iron pin found on the East right-of-way of Crowne Point Place;

 Thence with said east right-of-way North 13o 42' 35" East 128.88 feet to a 5/8 inch iron pin found;

 Thence continuing along said East right-of-way, along a curve to the left having a radius of 530.00 feet an arc length of
68.02 feet whose chord bears North 10o 1' 58" East 67.98 feet to a 5/8 inch iron pin found; 
 Thence continuing
along said right-of-way, North 06o 21' 22" East 55.69 feet to a 5/8 inch iron pin set for the Northwest corner of the parcel herein described; 
 Thence leaving said right-of-way and along a new dividing line, South 83o 38' 38" East, 443.15 feet to a 5/8 inch iron pin set for the Northeast corner of said parcel and in the West line
of a 13.776 acre parcel; 
 Thence South 06o 21' 22" West, 270.16 feet to the TRUE POINT OF BEGINNING.

 Contains 2.782 acres more or less, subject to all legal highways and easements of record. 

The Basis of Bearing is the North right-of-way line of Crowne Point Drive (North 83o 21' 0" West) as recorded in Plat Book
272 Page 98. 
 The above described tract is subject to and granted an easement for sanitary sewer as recorded in Plat Book 273,
Page 16. 
 The above described tract is subject to and granted an easement for Cincinnati Gas & Electric as recorded
in Deed Book 3464, Page 40. 
 The above described tract is subject to and granted a permanent drainage and utility easement as
recorded in Plat Book 299, Pages 35-36. 
 Parcel ID: 608-16-62 

  
 11 

 MODIFICATION AGREEMENT – ASSIGNMENT OF RENTS AND LEASES 

THIS MODIFICATION AGREEMENT – ASSIGNMENT OF RENTS AND LEASES (this “Modification”) is made as of December 15,
2010, by and between DENTAL CARE PLUS, INC., an Ohio corporation (“Assignor”), and FIFTH THIRD BANK, an Ohio banking corporation (“Assignee”), under the following circumstances: 

A. Assignor executed and delivered to Assignee an Assignment of Rents and Leases dated December 18, 2008, and filed for record on
December 31, 2008 in Official Record Book 11032, Page 34, Document Number 08-0166881, of the Hamilton County Ohio Records (the “Assignment”), which Assignment encumbers, and is a valid lien on, all right, title and interest of
Assignor in and to all rents, issues, profits and privileges (now due or which may hereafter become due) of the real property described on Exhibit A hereto (the “Property”), and all leases now or hereafter existing on all or any part of
the Property. 
 B. The Assignment secures a Revolving Note executed by Assignor and made payable to the order of Assignee,
pursuant to which Assignor may borrow, on a revolving basis, an aggregate principal amount not to exceed $650,000 (the “Note”). 
 C. On the date hereof, the aggregate principal amount that Assignor may borrow under the Note, on a revolving basis, is being increased to $700,000. 

D. Assignee and Assignor now desire to amend the Assignment to reflect the increase in the aggregate principal amount of the Note to
$700,000. 
 NOW, THEREFORE, for valuable consideration, the receipt and sufficiency of which the parties hereby
acknowledge, it is agreed as follows: 
 1. The first “WHEREAS” clause of the Assignment is amended in its entirety to
read as follows: 

  
 12 

 “WHEREAS, Assignor is indebted to Assignee in the aggregate principal amount of Seven
Hundred Thousand Dollars ($700,000) pursuant to the Revolving Note executed by Assignor and made payable to the order of Assignee, in the principal amount of Seven Hundred Thousand Dollars ($700,000) (as amended from time to time, the
“Note”), and all agreements, instruments and documents executed or delivered in connection with the foregoing or otherwise related thereto (collectively, together with any amendments, modifications, or restatements thereof, the “Loan
Documents”).” 
 2. Except as modified hereby, the Assignment shall remain unmodified and in full force and effect.

 3. This Modification may be executed in any one or more counterparts, each of which shall be deemed an original, but all of
which together shall constitute one and the same instrument. 
 [Balance of Page Intentionally Omitted] 

  
 13 

 IN WITNESS WHEREOF, the parties to hereto have executed this Modification as of the
date first written above. 
  

			
	ASSIGNOR:
	
	DENTAL CARE PLUS, INC., an Ohio corporation
		
	By:	 	/s/ Anthony A. Cook
		 	Title: President & CEO
	
	ASSIGNEE:
	
	 FIFTH THIRD BANK,

an Ohio banking corporation

		
	By:	 	/s/ Christopher S. Bell
		 	Title: Vice President

 Exhibit A – Site
Description 

  
 14 

					
	STATE OF OHIO	  	)	  	
		  	)	  	ss:
	COUNTY OF Hamilton	  	)	  	

 The foregoing instrument was acknowledged before me this 30th day of December, 2010, by Anthony A. Cook, the President &
CEO of Dental Care Plus, Inc., an Ohio corporation, on behalf of the company. 
 /s/ Beth A. Rogers 

Notary Public 
  

					
	STATE OF OHIO	  	)	  	
		  	)	  	ss:
	COUNTY OF Hamilton	  	)	  	

 The foregoing instrument was acknowledged before me this 30th day of December, 2010, by Christopher S. Bell, Vice President of
Fifth Third Bank, an Ohio banking corporation, on behalf of the corporation. 
 /s/ Beth A. Rogers 

Notary Public 
 This Instrument
Prepared By: 
 Arik A. Sherk, Esq. 

THOMPSON HINE LLP 
 10 West Second Street

 2000 Courthouse Plaza, NE 
 Dayton,
Ohio 45402-1758 
 (937) 443-6757 

  
 15 

 EXHIBIT A 
 Site Description 
 Situated in Section 35, Town 4, Entire Range 1,
Miami Purchase, Sycamore Township, City of Sharonville, Hamilton County, Ohio, being a 2.782 acre portion of a 5.280 acre parcel as conveyed to Miller Valentine Crowne Point Ltd. 

As recorded in Official Record 8264, Page 2141 and being more particularly described as follows: 

Beginning for reference at a P.K. Nail at the intersection of the centerline of Evendale Drive (Lockland Road) with the centerline of
Sharon Road; thence along the centerline of Evendale Drive, South 03o 48' 48" West, 327.26 feet to a point; 

Thence continuing along said centerline South 05o 37' 58" West, 153.68 feet to a point; 

Thence leaving said centerline and along the North line of a 1.2725 Acre parcel, North 87o 41' 35" West, 207.70 feet to
the east right-of way of Canal Road as shown on the dedication plat of Canal Road and Evendale Drive as recorded in Plat Book 299, Page 35; 
 Thence crossing said right-of-way, North 56o 13' 05" West, 106.62 feet to the point of tangency of a 537.50 foot radius curve; 

Thence with the West right-of way of Canal Road on a curve to the left having a radius of 537.50 feet an arc length of 248.60 feet whose
chord bears South 04o 06' 52" East, 246.39 feet to a point; 
 Thence continuing with said West right-of-way,
South 17o 21' 52" East, 178.90 feet to a point; 
 Thence on a curve to the right having a radius of 1115.50 feet
an arc length of 506.55 feet whose chord bears South 04o 21' 20" East, 502.21 feet to a point; 
 Thence on a
curve to the right having a radius of 40.00 feet and arc length of 61.43 feet whose chord bears South 52o 39' 08" West 55.57 feet to the North right-of-way of Crowne Point Drive and an iron pin found; 

Thence with the North right-of-way of Crowne Point Drive as recorded in Plat Book 272, Page 98, North 83o 21'00" West,
79.94 feet to a 5/8 inch iron pin found and the TRUE POINT OF BEGINNING of the parcel herein described: 
 Thence continuing
with the North right-of way of Crowne Point Drive, North 83o 21' 00" West, 432.67 feet to a 5/8 inch iron pin found; 
 Thence along a curve to the right having a radius of 970.00 feet an arc length of 17.29 feet whose chord bears North 82o 50' 23" West 17.29 feet to a 5/8 inch iron pin found; 

  
 16 

 Thence leaving said right-of-way, along a curve to the right having a radius of 14.50 feet.
an arc length of 24.31 feet whose chord bears North 34o 18' 39" West, 21.56 feet to a 5/8 inch iron pin found on the East right-of-way of Crowne Point Place; 
 Thence with said east right-of-way North 13o 42' 35" East 128.88 feet to a 5/8 inch iron pin found; 
 Thence continuing along said East right-of-way, along a curve to the left having a radius of 530.00 feet an arc length of 68.02 feet whose chord bears North 10o 1' 58" East 67.98 feet to a
5/8 inch iron pin found; 
 Thence continuing along said right-of-way, North 06o 21' 22" East 55.69 feet to a 5/8
inch iron pin set for the Northwest corner of the parcel herein described; 
 Thence leaving said right-of-way and along a new
dividing line, South 83o 38' 38" East, 443.15 feet to a 5/8 inch iron pin set for the Northeast corner of said parcel and in the West line of a 13.776 acre parcel; 

Thence South 06o 21' 22" West, 270.16 feet to the TRUE POINT OF BEGINNING. 

Contains 2.782 acres more or less, subject to all legal highways and easements of record. 

The Basis of Bearing is the North right-of-way line of Crowne Point Drive (North 83o 21' 0" West) as recorded in Plat Book
272 Page 98. 
 The above described tract is subject to and granted an easement for sanitary sewer as recorded in Plat Book 273,
Page 16. 
 The above described tract is subject to and granted an easement for Cincinnati Gas & Electric as recorded
in Deed Book 3464, Page 40. 
 The above described tract is subject to and granted a permanent drainage and utility easement as
recorded in Plat Book 299, Pages 35-36. 
 Parcel ID: 608-16-62 

  
 17

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