Document:

Exhibit 10.3

 

October 1, 2003

 

Edward
Dinan

President
& CEO

Lawrence
Hospital Center

55
Palmer Avenue

Bronxville,
NY

10708

 

Re:  Reimbursement of Interest Expense

 

Dear
Mr. Dinan,

 

In connection
with First Consulting Group, Inc.’s (“FCG”) implementation of the Meditech
software system at Lawrence Hospital Center (the “Hospital”), FCG will agree to
reimburse the Hospital for actual interest amounts owed if the Hospital draws
working capital from a third party commercial line of credit or other loan
agreement due to an increase in the number of days that its patient accounts
receivable are outstanding (the “A/R Days Outstanding”).  FCG’s offer to reimburse such interest
amounts is subject to the terms and conditions contained in this letter
agreement.

 

FCG will
measure the A/R Days Outstanding for the Hospital during the four (4) month
period immediately preceding the 1st day of the month in which the
first services under the IT Outsourcing Agreement (the “Agreement”) between FCG
and Healthstar Network, Inc. (dba Stellaris Health Network) (“Stellaris”)
occur.  During such four month period,
the maximum monthly A/R Days Outstanding for the Hospital will be the “Baseline
DO Threshold.”  During the Interest
Payment Period (defined below), the Hospital will continue to operate in
accordance with its bad debt reserve and “write off” policies for the
calculation of A/R Days Outstanding in accordance with its past customs and
practices, but in any event the Hospital’s A/R Days Outstanding will be
calculated “net” of its bad debt reserves and its contractual allowances.

 

FCG will only
reimburse the Hospital’s actual interest charges (not to exceed the prime rate,
as reported in the Western Edition of the Wall Street Journal on the Hospital’s
borrowing date, plus 2.0%) incurred on incremental borrowings under its credit
facility up to the Maximum Principal Amount (defined below) for a period of 120
days after the Commencement Date (defined below) (the “Interest Payment
Period”).  The Hospital shall designate
its Commencement Date, and such date must be within 90 days after the “go live”
date of the “Billing Accounts Receivables” software systems in connection with
the Meditech software implementation by FCG (the “Commencement Date”).  FCG will only reimburse the Hospital’s interest
charges on principal amounts of indebtedness that have actually been drawn by
the Hospital during the Interest Payment Period, and then only based on a
principal amount determined by the difference between the A/R Days Outstanding
for the previous month-end less the Baseline DO Threshold (and only if such
difference is a positive number), multiplied by the Hospital’s average revenue
per day (as computed in the calculation of A/R Days Outstanding) during the 120
day period prior to the Commencement Date.

 

The
calculation in the preceding paragraph shall be conducted on the Commencement
Date and every 30 days thereafter during the Interest Payment Period.  The principal amount against which FCG will
reimburse interest expenses will be adjusted as a result of the monthly
calculation; however, FCG will not reimburse any interest expense on principal
amounts that exceed the lesser of (i) $2,838,000 or (ii) the Hospital’s average
revenue per day (as computed in the calculation of A/R Days Outstanding) during
the 120 day period prior to the Commencement Date, multiplied by 10.  Such maximum amount is the “Maximum
Principal Amount.”  For example,
(assuming the Hospital makes a draw on its credit facility, the Hospital does
not repay any such amounts and its average revenue per day is $250,000) if the
Hospital’s Baseline DO is 72 days, its A/R Days Outstanding on the Commencement
Date is 74 days, its A/R Days Outstanding on the 30th day after the
Commencement Date is 75 days, then the maximum principal amount for which FCG
would be obligated to pay the Hospital’s actual interest charges for the first
30 days after the Commencement Date is $500,000 and the maximum principal
amount FCG for which FCG would be obligated to pay the Hospital’s actual
interest charges for the 30th-60th days after the
Commencement Date is $750,000.

 

Further, if
the Hospital has repaid any draws under its credit facility during the Interest
Payment Period, then the principal amount against which FCG is obligated to
reimburse interest charges will be reduced by the amount that the Hospital
repaid to its lender. The Hospital will also be required to submit evidence to
FCG that it has drawn on its credit facility (including the principal amount
and applicable interest rate) and present FCG with an invoice for the interest
expense reimbursable under the terms of this letter agreement.  Such invoices will be paid with five
business days of receipt.  The Hospital
also agrees to promptly inform FCG of any repayments to its lender during the
Interest Payment Period.

 

Except for
FCG’s obligations that have accrued prior to the termination date of this
letter agreement, FCG’s obligations under this letter agreement shall
immediately cease upon the earlier to occur of the following: (i) the
termination of the Agreement by Stellaris or FCG for any reason, (ii) the 121st
day following the Commencement Date, (iii) Stellaris’ failure to timely pay all
undisputed fees associated with the Agreement that results in a material breach
of the Agreement, (iv) the dissolution or termination of Stellaris or the
Hospital as an operating business, (v) the insolvency of Stellaris or the
Hospital (determined if the entity is unable to pay its debts before they
become due or if the entity’s total liabilities exceed its total assets), (vi)
the appointment of a receiver for Stellaris or the Hospital’s business or
property or any assignment for the benefit of creditors, (vii) any type of
creditor workout, or the commencement of any proceeding under any bankruptcy or
insolvency laws by or against Stellaris or a Hospital, (viii) the commencement
of foreclosure or forfeiture proceedings by any creditor of Stellaris or the
Hospital, or by any governmental agency against any collateral securing any
loan or credit facility, (ix) Stellaris’ divestiture or sale of the Hospital.

 

 

If Stellaris and the Hospital
do not receive a Certificate of Need (if required) for the Meditech software
implementation by September 30, 2004, or Stellaris terminates the Letter
of Engagement with FCG to implement the Meditech software system, then FCG’s
obligations under this letter agreement will immediately terminate and this
letter agreement will be of no further force or effect.

 

FCG also
agrees to provide resources, to the extent mutually agreed, to help reduce the
Hospital’s A/R Days Outstanding prior to the Commencement Date and during the
Interest Payment Period.  Such FCG
assistance will provide value to the Hospital as they are skilled professionals
that generally provide consulting and operational services for other FCG
clients in the area of revenue cycle.

 

If
this letter agreement is acceptable to the Hospital, please acknowledge and
agree to these terms by countersigning below.

 

	
  Best
  regards,

  	
  Accept
  and Agree:

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  Luther
  Nussbaum

  	
  Name:

  
	
  Chief
  Executive Officer

  	
  Chief
  Executive Officer

  
				

 

2Exhibit
10.4

 

CONFIDENTIAL

 

 

October 1, 2003

 

 

Mr. Jon B. Schandler

President and CEO

White Plains Hospital Center

Davis Avenue at East Post Road

White Plains, NY 10601

 

 

Re:  FCG Loan Agreement

 

Dear Schandler,

 

In
an effort to provide working capital in the event of a potential increase in
the number of days that White Plains Hospital Center’s (“WP” or the “Hospital”)  patient accounts receivable
are outstanding (the “A/R Days Outstanding”) and the corresponding increase
in the dollar amount of patient accounts receivable outstanding (the “Actual A/R”) as a
result of the implementation of the Meditech software system, First Consulting
Group, Inc. (“FCG”)
is pleased to confirm its commitment to make a series of loans to WP in an
aggregate principal amount at any one time outstanding  not to exceed $4,080,000, on the terms and
subject to the conditions set forth in this letter agreement (the “FCG Loan Agreement”).  Each loan will be evidenced by a promissory
note (each, a “Note”)
in the form of Exhibit A hereto, duly completed and executed by WP and
delivered to FCG prior to FCG’s release of any funds pursuant to this FCG Loan
Agreement.  WP’s ability to borrow under
this FCG Loan Agreement is subject to the following terms and conditions:

 

Commencement Date:                           WP may only borrow under this FCG Loan
Agreement after the Commencement Date (defined below) and upon the satisfaction
of each “Condition to Borrow” (set forth below).  WP’s Commencement Date shall be within 90 days after the “go
live” date of the “Billing Accounts Receivables” software systems in connection
with the Meditech software implementation by FCG (the “Commencement Date”).  WP must designate a month end date as its
Commencement Date within such 90 day period. 
For example, if WP’s “go live” date occurs on June 15th,
it must designate a Commencement Date of June 30, July 31 or
August 31.

 

Maturity Dates:                                                          WP may borrow against this FCG Loan Agreement
on each of the Borrowing Dates (set forth below).  Any amount borrowed on a Borrowing Date will be treated as a
“term loan” and, consistent with the terms of the Notes, will be due and
payable upon the 90th day after such Borrowing Date (each, a “Maturity Date”).  For example, if WP borrows $500,000 on the
First Borrowing Date then such $500,000 amount will be due and payable on the
90th day following the First Borrowing Date.  Further, if WP is able to borrow $300,000 on
the Second Borrowing Date, then such amount would not be due and payable until
the 90th day following the Second Borrowing Date.  If the Maturity Date of an initial Borrowing
occurs on the same date as the Fourth and/or Fifth Borrowing Date, WP shall be
obligated to repay the initial loans on the applicable Maturity Dates and may
borrow again on the new Borrowing Date based on the terms and conditions set
forth in this FCG Loan Agreement.  Such
repayment and

 

1

 

borrowing processes will be conducted in a mutually agreeable and cost
efficient manner.

 

Baseline/Measurement:                 After the execution of the IT Outsourcing
Services Agreement (the “Agreement”) between FCG and Healthstar Network, Inc.
dba Stellaris Health Network (“Stellaris”) dated as of the date hereof, FCG will
conduct an analysis of WP’s A/R Days Outstanding and Actual A/R.  FCG will measure WP’s A/R Days Outstanding
and Actual A/R during the four (4) month period immediately preceding the 1st
day of the month in which the execution of the Agreement occurs (the “Baseline Measurement Period”).  During the Baseline Measurement Period, WP’s
maximum monthly A/R Days Outstanding will be the “Baseline DO Threshold” and WP’s maximum
monthly Actual A/R will be the “Baseline A/R Threshold.”  During the period that any amounts under the Notes are
outstanding, WP will continue to operate in accordance with its bad debt
reserve and “write off” policies for the calculation of A/R Days Outstanding
and Actual A/R in accordance with its past customs and practices.  Such customs and practices are described in
Exhibit B attached hereto, but in any event, WP’s Actual A/R and A/R Days
Outstanding will be calculated “net” of its bad debt reserves and its
contractual allowances.

 

Hospitals’ Obligations:                   WP agrees to perform the following tasks, and
implement and maintain the following processes and practices commencing upon
the execution of the Agreement and extending through the termination date of
this FCG Loan Agreement (each, a “Hospital Obligation”):

 

1.                                       The allowance schedule, A/R Days Outstanding
calculation, write-off policies (including bad debt, charity, courtesy, and
others ) and discount policies of WP that are described in Exhibit B attached
ereto shall remain constant.

 

2.                                       WP shall timely take all reasonable actions
recommended by FCG to reduce its Actual A/R and A/R Days Outstanding between
the date of the Agreement and the termination date of this FCG Loan
Agreement.  Such reasonable actions
shall include, without limitation, allowing FCG to use additional resources to
work with WP’s personnel to reduce the Actual A/R and the A/R Days Outstanding.  Specifically, FCG will be allowed to insert
resources, at FCG’s expense, to co-manage current accounts receivable within
120 days after the date of the Agreement to establish a detailed “workplan”
with goals and procedures to lower WP’s accounts receivable.  Such FCG resources will provide value to WP
as they are skilled professionals that generally provide consulting and
operational services for other FCG clients. 
The “workplan” will be created and mutually agreed upon by FCG and
WP.  WP will work with FCG to dedicate
sufficient staff (no less than the current staffing levels used to manage the
accounts receivable) to ensure the “workplan” is accomplished.  The FCG resource will have full access to
all patient accounting departments and accounts receivable information.

 

3.                                       The FTE level dedicated by WP during the
period between the date of the Agreement and the “go live” date of the Meditech
software system will average at least ninety percent (90%) of the amount of
FTEs dedicated to the collection of WP’s accounts receivable during the
Baseline Measurement Period.  Such

 

2

 

FTE level dedicated by WP after the “go live” date of the Meditech
software system will equal one hundred percent (100%) of the FTEs dedicated to
the collection of WP’s accounts receivable during the Baseline Measurement
Period.

 

4.                                       The WP Chief Financial Officer shall meet
with FCG at least once per month between the execution of the Agreement and the
termination date of this FCG Loan Agreement to discuss and act upon, among
other things, the topics set forth below:

 

a.                                       Current A/R Days Outstanding calculations

b.                                      Current allowance schedule 

c.                                       Current bad debt actual and provision

d.                                      Current hours worked within the patient
accounting department

e.                                       Current number of open account aged 

f.                                         Current dollars outstanding aged

g.                                      Aged trail balance report aged for the
following dollars ranges:

 

9,999,999.99 – 0

0 – 5,000.00

5,001.00 – 15,000.00

15,001.00 – 30,000.00

30,001.00 – 9, 999,999.99

 

h.                                      Monthly cash collections to include unposted

i.                                          Last 90 days of revenue

 

WP shall endeavor to make
all of the above listed information available to FCG, subject to the reporting
capabilities of WP’s financial systems. 
Any information or reports that WP does not currently generate must be
mutually agreed upon by WP and FCG.  The
financial information (or other reasonable information) discussed above must be
provided at least 5 working days prior to such monthly meetings.

 

Borrowing Mechanics:                     WP shall be entitled to borrow under this FCG
Loan Agreement on each of the following dates (each, a “Borrowing Date”):

 

a.                                       Commencement Date +25 days (“First Borrowing
Date”)

b.                                      Commencement Date + 55 days (“Second
Borrowing Date”)

c.                                       Commencement Date + 85 days (“Third Borrowing
Date”)

d.                                      Commencement Date + 115 days (“Fourth
Borrowing Date”)

e.                                       Commencement Date + 145 days (“Fifth
Borrowing Date”)

 

WP shall only be able to borrow under this FCG Loan Agreement to the
extent that the Conditions to Borrow (set forth below) have been satisfied and
it has not exceeded the maximum amount available to be borrowed under its FCG
Loan Agreement (e.g., $4,080,000).  On
each of the applicable Borrowing Dates, WP shall be able to borrow under this
FCG Loan Agreement by an amount equal to

 

3

 

the lesser of the following two calculations:

 

(i) the difference between the A/R Days Outstanding for the previous
month-end less its Baseline DO Threshold (and only if such difference is a positive
number), multiplied by $408,000; and

 

(ii)  the difference between the
Actual A/R for the previous month-end less its Baseline A/R Threshold (and only
if such difference is a positive number).

 

Based on the foregoing calculation, the amount WP can borrow on the
Second, Third, Fourth or Fifth Borrowing Dates shall be reduced by the
aggregate amount of any borrowings on a previous Borrowing Date that has not
been repaid.

 

For example, (assuming the above calculation is based on A/R Days
Outstanding) IF WP’s Baseline DO is 72 days, its A/R Days Outstanding on the
First Borrowing Date is 74 days and its A/R Days Outstanding on the Second
Borrowing Date is 75 days, THEN the maximum amount WP could request on the
First Borrowing Date is $816,000 and the maximum amount WP could request on the
Second Borrowing Date is $408,000.

 

Notwithstanding anything herein to the contrary, in no event shall WP
be able to borrow more than $4,080,000 under this FCG Loan Agreement.

 

Within 3 business days of the any Borrowing Date, WP shall submit FCG a
request to borrow (“Request”) which shall (i) state the amount that it would
like to borrow under this FCG Loan Agreement (based on the calculations set
forth above), and (ii) provide satisfactory evidence to FCG to support the amount
of its A/R Days Outstanding or its Actual A/R used in the calculation.  FCG shall have the option to audit the
Request, the costs of which shall be borne by WP if FCG finds any
inconsistencies or errors in the A/R Days Outstanding or Actual A/R determination
due to deviations from its past customs and practices for the retiring of bad
debt, etc.

 

Conditions to Borrow:                        In addition to other customary conditions,
each of the following conditions must be satisfied before WP may borrow under
its FCG Loan Agreement:

 

1.                                       All of its Hospital Obligations (defined
above) shall have been satisfied.

 

2.                                       WP shall have complied with the processes and
procedures under “Borrow Mechanisms” (set forth above).  Specifically, (i) WP can only borrow on a
Borrowing Date, and (ii) WP shall submit a Request to FCG and state the amount
of money it would like to borrow based on the calculations above.

 

3.                                       WP may not borrow under this FCG Loan
Agreement prior to the Commencement Date or after the Fifth Borrowing Date.

 

4.                                       WP may not borrow under this FCG Loan
Agreement if it has reached the maximum limit of this FCG Loan Agreement.

 

4

 

5.                                       No event shall have occurred which has had or
reasonably could have a material adverse effect on Stellaris or WP, and neither
Stellaris nor WP shall have suffered any material loss or damage to any of its
properties or assets since the Commencement Date, which change, loss or damage
materially affects or impairs the ability of Stellaris or WP to conduct its
business or satisfy its obligations under the FCG Loan Agreement.

 

6.                                       No Event of Default (defined below) by Stellaris or WP has occurred.

 

7.                                        WP shall have duly executed and delivered a
Note for the amount that it borrows on any Borrowing Date.

 

Events of Default:                                              In addition to other customary events of
defaults, the following shall constitute an “Event of Default:”

 

1.                                       The termination of the Agreement by Stellaris
or FCG for any reason, or a breach by WP of the terms of this FCG Loan
Agreement.

 

2.                                       Stellaris’ failure to timely pay all
undisputed fees associated with the Agreement, including all fees associated
with the Meditech software implementation and the transition services provided
by FCG.

 

3.                                       WP’s failure to timely pay all outstanding
principal amounts borrowed under this FCG Loan Agreement on the applicable
Maturity Date in accordance with the terms of the Note.

 

4.                                       Stellaris or WP’s default under any loan,
extension of credit, line of credit, credit facility, security agreement, or
other agreement that would materially affect Stellaris or WP’s property,
accounts receivable or the ability of WP to repay any amounts under this FCG
Loan Agreements or perform its obligations under any agreement related to this
FCG Loan Agreement.

 

5.                                       The dissolution or termination of Stellaris
or WP as an operating business, the insolvency of Stellaris or WP (determined
if the entity is unable to pay its debts before they become due or if its total
liabilities exceed its total assets), the appointment of a receiver for
Stellaris or WP’s business or property, any assignment for the benefit of
creditors, any type of creditor workout, or the commencement of any proceeding
under any bankruptcy or insolvency laws by or against Stellaris or WP.

 

6.                                       The commencement of foreclosure or forfeiture
proceedings, whether by judicial proceeding, repossession or any other method,
by any creditor of Stellaris or WP, or by any governmental agency against any
collateral securing any loan or credit facility.

 

7.                                       Any change in ownership of 25% or more of
Stellaris or WP.

 

8.                                       WP’s use of the funds borrowed from this FCG
Loan Agreement to repay any of its existing debt, except if required under
previously existing terms and WP does not have sufficient cash available on
hand.

 

5

 

9.                                       Stellaris’ divestiture or sale of WP shall
constitute an “Event of Default” under this FCG Loan Agreement.

 

Remedies upon Default:               Upon any Event of Default by WP or the
termination of the Agreement, FCG may immediately declare the entire unpaid
principal amount outstanding under this FCG Loan Agreement and the Notes to be
immediately due and payable, and terminate this FCG Loan Agreement.  Upon any Event of Default caused by
Stellaris, FCG may immediately terminate this FCG Loan Agreement and all
outstanding Notes under the FCG Loan Agreement will remain due and payable upon
their respective Maturity Dates.  If any
principal amounts are not immediately repaid upon the applicable Maturity
Dates, FCG shall begin to accrue interest charges (as set forth below) and
shall be entitled to take all necessary actions to enforce WP’s repayment
obligations. Upon any Event of Default caused by Stellaris, FCG shall be
entitled to terminate the Agreement for cause in accordance with the terms of
such Agreement.  Upon any Event of
Default by WP, FCG shall be entitled to suspend all services to WP under the
Agreement without being subject to any service level credits or other
penalties; provided that (i) FCG provides WP with reasonable written notice of
a proposed suspension, (ii) the suspension does not interfere with or have an
adverse effect on FCG’s rendition of services to the other Stellaris
Facilities; and (iii) FCG promptly recommences providing services to WP if WP
cures its default under this FCG Loan Agreement (including interest).

 

Termination:                                                                           This FCG Loan Agreement shall terminate upon
the earlier to occur of (i) the Fifth Borrowing Date, or (ii) an Event of
Default.  WP shall not be able to borrow
under this FCG Loan Agreement after such termination date.  Notwithstanding the foregoing, if Stellaris
and WP does not receive a Certificate of Need for the Meditech software
implementation (if required) by September 30, 2004 (or other mutually
agreed upon date), or the Letter of Engagement with FCG to implement the
Meditech software system or the Agreement is terminated, then this FCG Loan
Agreement shall immediately terminate.

 

Costs and Expenses:                                Each party shall be responsible for its own
fees and expenses of counsel and other professionals, and other obligations
incidental to the establishment of this FCG Loan Agreement.  WP shall not be responsible for any interest
charges on the Notes until after the applicable Maturity Date (or earlier in
the case of an Event of Default).  If
any principal amounts remain outstanding after the applicable Maturity Date (or
after an Event of Default) under the Notes, such outstanding principal amounts
will incur an interest charge at the prime rate, as reported in the Western
Addition of the Wall Street Journal, plus 4.0%).

 

Governing Law:                                                          The laws of the State of New York will govern
the terms of the FCG Loan Agreement.

 

6

 

Sincerely,

 

 

Luther Nussbaum,

Chief Executive Officer

 

 

Accepted and Agreed:

 

 

White Plains Hospital Center

 

 

	
   

  	
   

  	
   

  	
   

  
	
  Name:

  
	
  Chief Executive Officer

  

 

7

 

EXHIBIT A

FORM OF NOTE

 

PROMISSORY
NOTE

 

	
  $

  	
   

  	
   

  	
   

  	
  Borrowing Date:
               ,
  200  

  

 

FOR VALUE RECEIVED, on or before
             ,
200   (the “Maturity
Date”), the undersigned promises to pay to the order of First
Consulting Group, Inc. (“FCG”),
the principal sum of
                                                              
Dollars
($                      )
in immediately available funds, without interest.  If such principal amount is not paid on the Maturity Date, or if
any Event of Default under and as defined in that certain FCG Loan Agreement
dated October     , 2003 by and between the
undersigned, as borrower, and FCG, as lender, as amended, restated or otherwise
modified from time to time in accordance with the terms thereof (the “Loan Agreement”),
the undersigned promises to pay to the order of FCG, interest on the
outstanding principal balance hereof, until paid in full, at a rate per annum equal to the sum of (i) the
prime rate, as reported in the Western Addition of the Wall Street Journal, plus (ii) 4.0%, which
interest shall be computed for actual days elapsed on the basis of a year
consisting of 365 – or, when appropriate, 366 – days (but in no event in excess
of the maximum amount permitted by applicable law).  Capitalized terms used and not otherwise defined herein shall
have the meanings attributed thereto in the Loan Agreement.

 

The Loan evidenced hereby
may be prepaid by the undersigned at any time without premium or penalty. Each
payment of principal or interest hereunder shall be made in immediately
available funds.  If any payment shall
become due and payable on a Saturday, Sunday or legal holiday under the laws of
California or New York, such payment shall be made on the next succeeding
business day in both such states and any such extended time of the payment of
principal or interest shall be included in computing interest, if applicable,
at the rate this Note bears in connection with such payment.

 

Except as expressly set
forth in the Loan Agreement, upon the occurrence of an Event of Default (other
than an Event of Default arising from an Event of Bankruptcy with respect to
the undersigned), the outstanding principal balance hereof may be declared by
FCG to be immediately due and payable, whereupon the full unpaid amount of the
Loan evidenced hereby shall become immediately due and payable without further
notice, demand or presentment, all of which are hereby expressly waived.

 

THE UNDERSIGNED EXPRESSLY WAIVES ITS RIGHT TO TRIAL BY JURY
AND ANY PRESENTMENT, DEMAND, PROTEST OR NOTICE IN CONNECTION WITH THIS NOTE
NOW, OR HEREAFTER, REQUIRED BY APPLICABLE LAW AND AGREES TO PAY ALL REASONABLE
COSTS AND EXPENSES OF COLLECTION AND ENFORCEMENT HEREOF INCLUDING, WITHOUT
LIMITATION, ALL REASONABLE ATTORNEYS’ FEES AND DISBURSEMENTS.

 

THIS NOTE SHALL BE
GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK
WITHOUT REGARD TO THE PRINCIPLES OF CONFLICTS OF LAWS THEREOF.

 

WHITE PLAINS HOSPITAL
CENTER

	
  By:

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Title:

  	
   

  	
   

  
				

 

8

 

EXHIBIT B

CUSTOMS AND PRACTICES

 

9

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