Document:

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                                                                    EXHIBIT 10.8

                           ADVISORY SERVICES AGREEMENT

                                     BETWEEN

                               MMM HOLDINGS, INC.
                          A CORPORATION ORGANIZED UNDER
                   THE LAWS OF THE COMMONWEALTH OF PUERTO RICO
                                    (ADVISOR)

                                       AND

                              MMM HEALTHCARE, INC.
                          A CORPORATION ORGANIZED UNDER
                   THE LAWS OF THE COMMONWEALTH OF PUERTO RICO
                                   (OPERATOR)

                                   DATED AS OF

                                 JANUARY 1, 2005

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                           ADVISORY SERVICES AGREEMENT

     This Advisory Services Agreement (the "Agreement"), dated as of January 1,
2005 by and between MMM Holdings, Inc., a corporation organized under the laws
of the Commonwealth of Puerto Rico (the "Advisor") and MMM Healthcare, Inc., a
corporation organized under the laws of the Commonwealth of Puerto Rico (the
"Operator").

                                   BACKGROUND

     A. Operator owns and runs a Medicare Advantage Plan in Puerto Rico (the "MA
Business").

     B. Aveta Health, Inc., (hereinafter "Aveta") is a corporation that, through
its subsidiaries and related companies, owns or operates a variety of health
care service businesses and other companies primarily focused on medical care
for the elderly. These businesses include (i) long term care and assisted living
facilities, (ii) operating or managing IPAs, Health Plans and other related
entities, (iii) providing services to or on behalf of a Health Plan in the areas
of medical management, risk adjustment, medical network operations or
administration, plan design, pricing, utilization or quality control revenues,
(iv) institutional pharmacy services, (v) providing hospice care, and (v)
investing in private equity, hedge funds, and real estate and other businesses.

     C. As a result, Aveta has available to it expertise in matters relating to
finance, accounting, law, and management of Health Plans, health care service
businesses and related businesses, as well as expertise in the areas of medical
management, management of care operations, and implementation of changes in
Medicare law and regulations, such as the implementation of the Medicare program
for prescription drug benefits (hereinafter referred to as "Part D") and changes
in methodology of premium payments (and related strategic and tactical
considerations) to health service organizations operating under Medicare
Advantage contracts with the Centers for Medicare & Medicaid Services ("CMS")
(such services are referred to hereinafter as "Risk Adjustment Services").

     D. Aveta is currently unwilling to establish operations directly in the
Commonwealth of Puerto Rico because it is reluctant to open itself to taxation,
regulation or litigation in Puerto Rico. Furthermore, Aveta does not have the
business structure to execute such services directly for MMM Healthcare in
Puerto Rico.

     E. Advisor has agreed to arrange for certain personnel of Aveta and related
entities to be available under the supervision of T.J. O'Donnell, LLC, a
consultant to Advisor to assist Holdings in providing services hereunder.

     F. Currently very few companies have developed expertise with respect to
the implementation of Part D and Risk Adjustment Services and there is not an
established unrelated company in the United States or in Puerto Rico able to
provide the services described herein in a manner acceptable to Operator.

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     G. Operator desires to engage Advisor to provide advice and consultation to
the Operator to assist it in managing the operations of the MA Business on
Operator's behalf.

     H. Advisor is willing to provide advisory and consulting services with
respect to the MA Business on the basis, terms and conditions set forth below.

                                      TERMS

     NOW, THEREFORE, in consideration of the mutual representations, covenants
and agreements set forth below, and intending to be legally bound, Operator and
Advisor agree as follows:

SECTION 1. APPOINTMENT OF ADVISOROperator hereby appoints and engages Advisor as
Advisor to the MA Business, and Advisor agrees to act as Advisor to the MA
Business to during the term of this Agreement upon the terms and conditions
hereinafter stated. In providing services hereunder, Advisor shall exercise
reasonable care and shall perform its duties hereunder in accordance with
industry best practices and accepted professional standards, and in any event,
shall exercise at least the same degree of diligence and skill applied by
Advisor in its other business operations. Advisor shall comply with Operator's
policies made known to Advisor by Operator. In the absence of any such policy,
Advisor shall exercise its reasonable judgment in performing its services
hereunder. Any advice, policy, process or procedure for the MA Business proposed
by Advisor, and any subsequent amendments or additions, hereunder shall be
subject to Operator's approval which approval may not be withheld or delayed in
Operator's sole and unfettered discretion. In providing services hereunder,
Advisor shall operate in compliance with the requirements of governmental
authorities and third party payors.

During the term of this Agreement, Operator shall retain authority over the MA
Business as required by law in accordance with the licenses held by the MA
Business. Nothing in this Agreement shall require or obligate Advisor to perform
any service or to undertake any responsibility with respect to any matter that
by law, regulation or requirement of a governmental authority or third party
payor is required to be the direct responsibility or obligation of a holder of
such licenses.

SECTION 2. TERM The term of this Agreement shall commence on the date hereof
(the "Commencement Date") and, unless the Agreement is sooner terminated
pursuant to Section 13, shall continue for a period ending on December 31, 2007
(the "Initial Term"). This Agreement shall automatically renew for a one (1)
year renewal term, unless either party delivers a written notice of non renewal
on or before September 30, 2006.

SECTION 3. SERVICES In connection with the MA Business, Advisor shall perform or
cause to be performed, the following services:

     3.1 Regulatory Approvals. Advisor shall assist Operator in its application
for, and to obtain and maintain, on behalf of Operator and in its name, all
necessary licenses, certifications, accreditations, permits, contracts and
approvals, and renewals thereof, to operate the MA Business to comply with all
applicable laws, rules and regulations and to be eligible for participation in
the Reforma or Medicaid Program in the commonwealth and states in which it

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operates, the federal Medicare Program and third-party payor programs. Such
assistance shall include if requested, preparation and filing of applications,
financial projections and other materials reasonably related to the regulatory
approvals; preparation for on-site inspections; preparation of plans of
correction or consent orders; and review and recommendation of agreements. Any
and all materials prepared by Advisor shall be subject to Operator's approval.

     3.2 Annual Budget. Annually during the term of this Agreement Advisor shall
assist Operator in preparing an annual budget covering the operations of and
proposed capital expenditures to be made with respect to the MA Business for the
next fiscal year. The Annual Budget shall include a capital budget outlining a
program of capital expenditures, in which each proposed capital expenditure will
be designated as either mandatory, highly recommended or desirable. The Annual
Budget shall include an operating budget setting forth an estimate of operating
revenues and expenses for the MA Business for the next fiscal year.

     3.3 Operations Management and Affairs. Advisor shall provide overall
operational advice to assist Operator in managing the operations and business
affairs of the MA Business, including, but not limited to, legal services, human
resources, quality control, utilization management, compliance, benefit design
sales and marketing and general administration.

     3.4 Risk Management and Insurance. Advisor shall assist Operator in
developing and implementing a program to identify and manage all business risks
and to purchase and maintain appropriate insurance coverage for such risks.

     3.5 Strategic Planning and Marketing: Advisor shall assist Operator in
developing a strategic plan and marketing program designed to maintain the
Operator's market share, to assist it in diversifying its products and services
and to identify opportunities for it to improve its profitability by controlling
costs, providing ancillary services, operating its own health facilities or
implanting other programs. Operator's efforts may also focus on identifying
(i)potential joint venture opportunities; (ii) potential shared service
opportunities; (iii) physician recruitment needs; (iv) diagnostic and treatment
opportunities; (v) alternative health care delivery system opportunities; (vi)
long term care opportunities; and (vii) networking opportunities with other
organizations. Advisor shall make specific recommendations to the Operator for
service implementation including possible changes in its organizational
structure. Advisor shall assist the Operator in the implementation of all
approved service opportunities, organizational structure changes and other
elements of the strategic plan.

     3.6 Financial Services In order to enable Operator to maintain its
financial viability, to continue to meet the needs of customers, to resolve
capital formation issues, to have adequate capital resources to replace capital
equipment and to meet the demands of a competitive health care environment,
Advisor shall (i) monitor the Operator's accounts receivable and recommend
actions including improved collection practices and procedures that may be
required to maximize the Operator's reimbursement and cash flow from all payors,
(ii) consult and assist in the preparation of and presentation to the Operator
of monthly financial statements containing a balance sheet and a statement of
income and expense in reasonable detail with narrative explanations of
significant financial changes, (iii) assist in the maintenance of positive
relationships with Federal, commonwealth and local officials as well as the
community and (iv) assist the Operator in developing and managing a treasury
function to manage its investments.

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     3.7 Management and Employees.

          (a) Advisor shall assist Operator in recruiting, hiring, training,
supervising and evaluating an adequate office staff and other administrative and
professional staff necessary for the operation of the MA Business. Except as
otherwise expressly provided herein, all MA Business employees shall be
employees of Operator and subject to Operator's personnel policies.

          (b) Advisor shall recommend general salary scales, personnel policies
and appropriate employee benefits for employees of the MA Business so that the
MA Business's salary scales and employee benefits are competitive with, but not
excessive with respect to, salaries and benefits paid by other comparable
businesses in the MA Business's general market area.

     3.8 Tax Services. The Advisor shall assist the Company and its subsidiaries
in (i) in preparing any Tax returns, tax elections, or other tax filings which
it is legally obligated to file, (ii) in preparing for any audits of, or
disputes with Taxing Authorities regarding, and Tax returns of the Operator,
(iii) maintaining the tax records of the Operator and its subsidiaries

     3.9 Regulatory Implementation Services. The Advisor shall assist the
Operator in implementing the provisions of the Medicare Modernization Act and
other statutory and regulatory changes, including implementation of Part D, Risk
Adjustment, and new CMS bidding procedures. This assistance shall include
assistance in interpreting and implementing the regulations, providing the
Operator with operational information and guidance, developing analytical tools
and information systems, developing appropriate business models and methods and
providing oversight and project management, all designed to allow Operator to
optimize its revenue and profitability, consistent with the regulations and its
quality systems.

SECTION 4. RESPONSIBILITIES OF ADVISOR IN PROVIDING SERVICES

     4.1 Compliance with Operator Policies. Manager shall comply with Operator's
policies made known to Manager by Operator.(a) Compliance with Regulatory
Requirements and Accreditation Standards. Advisor shall comply with the federal
and state regulatory requirements, state licensure requirements, and
accreditation standards applicable to the MA Business.

          (b) Services of Others. The Advisor may employ, retain or otherwise
avail itself of the services or facilities of other Persons for the purpose of
providing the Advisor, the Parent, the Company and its subsidiaries with such
advice and information as the Advisor may deem necessary, appropriate or
convenient for the discharge of its obligations hereunder or otherwise helpful
to the Company and its subsidiaries. All services provided hereunder shall be
provided at the offices of the Company in Puerto Rico. Advisor shall neither
knowingly employ, continue in employment nor contract with, any individuals or
entities who have been excluded from participation in any Federal, Commonwealth
or state health care program, and shall cause applicable licensure and registry
lists to be consulted, criminal background checks to be performed and federal
and state program exclusion and debarment lists to be checked ("Background
Checks") prior to employing or contracting with any person or entity.

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     4.2 Proprietary Property. Advisor retains all ownership and other rights in
all proprietary systems, policy and other manuals, materials and other
information, in whatever form, developed by Advisor prior to this Agreement or
developed in connection with the operation of the MA Business, whether by
Operator or Advisor. Nothing contained in this Agreement shall be construed as a
license or transfer of such information either during the term of this Agreement
or otherwise. Upon termination of this Agreement, or earlier upon Advisor's
request, Operator shall immediately return all such information to Advisor.

SECTION 5. RESPONSIBILITIES OF OPERATOR. Operator makes the following covenants
that are material covenants and upon which Advisor relies as an inducement to
enter into this Agreement:

     5.1 Cooperation. Operator shall cooperate with Advisor in every respect to
allow Advisor to perform its services under this Agreement and will furnish
Advisor with all information required by it for the performance of its services
under this Agreement. Operator shall permit Advisor full access to the MA
Business and will allow Advisor to examine and copy any data in the possession
and control of Operator affecting management and/or operation of the MA
Business.

     5.2 Operations Control. During the term of this Agreement, Operator shall
retain authority over the MA Business as required by law in accordance with the
licenses held by the MA Business.

     5.3 Inspection of Documents. Operator shall examine documents submitted by
Advisor and render reasonable decisions pertaining thereto, when required,
promptly, to avoid unreasonable delay in the progress of Advisor's work. In any
emergency situation (as reasonably determined by Advisor), Advisor shall not be
required to seek or obtain Operator's approval for any actions which Advisor, in
its sole judgment, deems necessary or appropriate to respond to such situations,
provided Advisor promptly thereafter reports such action to Operator in writing.
Operator shall execute and deliver any and all applications and other documents
that may be deemed by Advisor to be necessary or proper to be executed by
Operator in connection with the operation of the MA Business.

SECTION 6. COOPERATION BETWEEN OPERATOR AND ADVISORAdvisor and Operator shall
mutually cooperate with each other as follows:

     6.1 Mutual Cooperation and Restrictive Covenants. Advisor and Operator
shall mutually cooperate with each other as follows:

          (a) Compliance - On and after the Commencement Date, neither Operator
nor Advisor shall knowingly take any action or fail to take any action which may
cause any governmental authority or third party payor having jurisdiction over
the operation of the MA Business to institute any proceeding for the suspension,
rescission or revocation of any necessary license, permit, consent,
accreditation, certification or approval.

          (b) No Borrowing/Security Interest - Advisor, without the prior
written consent of Operator in each instance (which consent may be withheld in
Operator's sole and absolute discretion), shall not enter into any lease
agreement with respect to the MA Business, borrow

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money in the name of or on behalf of the MA Business, or grant any party a
security interest in or lien upon equipment, accounts receivable, or licenses
and permits related to the operation of the MA Business.

          (c) Affiliate Agreements - Advisor, without the prior written consent
of Operator in each instance (which consent shall not be unreasonably withheld
or delayed), shall not enter into any agreement with respect to the MA Business
with any third party providing goods or services to the MA Business that is an
Affiliate of Advisor. In the event of Operator approval, shall have a thirty
(30) day termination without penalty provision.

          (d) Compliance With Law - Advisor and Operator shall each use its best
efforts to abide by all relevant laws, ordinances, rules and regulations of
federal, state and local governing authorities, and any third party payors.

          (e) Records - Operator and Advisor shall each afford the other
reasonable access to records so as to permit the other to discharge its
obligations hereunder. Operator and Advisor shall each use its best efforts to
comply with all applicable federal and state laws and regulations relating to
the confidentiality of medical records and other personal information. Operator
and Advisor shall each treat information relating to the MA Business's financial
condition, businesses, and operations as confidential provided, however, that
Operator or Advisor may disclose information necessary to the performance of its
obligations hereunder or as required by law or court order. For a period of four
(4) years after the termination of this Agreement, Operator and Advisor will
provide each other with reasonable access to records relating to the subject
matter of this Agreement.

     6.2 HIPAA Compliance. Advisor acknowledges that it is a "Business
Associate" as defined by the Standards for Privacy of Individually Identifiable
Health Information (the "Privacy Rule") under the Health Insurance Portability
and Accountability Act of 1996 ("HIPAA"). Advisor shall comply with HIPAA and
protect the privacy of individually identifiable health information pursuant to
the Privacy Agreement set forth in Exhibit A hereto, which is incorporated by
this reference as if fully set out herein.

SECTION 7. FEES.

     7.1 Advisory Fee(a) Operator shall pay to Advisor an annual fee (the
"Advisory Fee") equal to (i) five million dollars ($5,000,000) plus (ii) thirty
percent (30%) of the Risk Adjustment Revenue (as defined below) of Operator for
such year; provided however that in no event shall the Advisory Fee exceed
fourteen million dollars ($14,000,000) for any year during the term of this
Agreement.

          (b) During the first year of this Agreement, Operator shall pay to
Advisor on the first day of each month one twelfth of the estimated Advisory
Fee; such monthly fee is agreed to be one million one hundred thousand dollars
($1,100,000).

          (a) For the purposes of this section, Risk Adjustment Revenue shall be
determined on an accrual basis in accordance with generally accepted accounting
principles, consistently applied and:

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          For 2005 "Risk Adjustment Revenue" means, (x) total premiums ("Total
          Premiums") attributable to 2005 payable to the Operator and its
          subsidiaries by the Centers for Medicare & Medicaid Services ("CMS")
          pursuant to Medicare Advantage contracts with CMS adjusted as if the
          risk adjustment factor for 2005 were the average risk adjustment
          factor for the Operator reflected on the Monthly Membership Report
          from CMS reflecting the final determination of the risk adjustment
          factor for the Operator for the month ended December 31, 2005, less
          (y) Total Premiums recalculated utilizing a risk adjustment adjusted
          as if the risk adjustment factor for 2005 were the average risk
          adjustment factor for the Operator reflected on the Monthly Membership
          Report from CM for the month ended December 31, 2004.

          For each year thereafter "Risk Adjustment Revenue" means, (x) Total
          Premiums attributable to such year payable to the Operator and its
          subsidiaries by the CMS pursuant to Medicare Advantage contracts with
          CMS adjusted as if the risk adjustment factor for such year were the
          average risk adjustment factor for the Operator reflected on the
          Monthly Membership Report from CMS reflecting the final determination
          of the risk adjustment factor for the Operator for the last month of
          such year, less (y) Total Premiums recalculated utilizing a risk
          adjustment adjusted as if the risk adjustment factor for 2005 were the
          average risk adjustment factor for the Operator reflected on the
          Monthly Membership Report from CM for the month ended immediately
          prior to the start of such year.

          (b) In the event that this Agreement is terminated prior to the
expiration of the Initial Term or any subsequent term, the Advisory Fee shall be
equitability prorated.

          (c) Within thirty (30) days after the calculation of the actual Risk
Adjustment Revenue for the prior calendar year, Operator shall remit to Advisor,
or Advisor shall remit to Operator, as the case may be, without interest, any
deficit or excess, as the case may be, in the Advisory Management Fee paid for
the prior calendar year over the sum of all monthly installments of estimated
fees for such period previously paid by Operator to Advisor.

     7.2 Expense Reimbursement. The Operator shall reimburse the Advisor for the
reasonable out-of-pocket expenses (the "Expenses") incurred by the Advisor in
the course of the performance of its duties under this Agreement, including
travel, entertainment, professional fees and brokerage commissions (but
excluding the administrative and overhead expenses of the Advisor, including all
costs and expenses on account of rent, salaries paid to its employees and those
of entities related to Advisor, wages and employee benefits, and accounting and
administrative costs). The Company shall pay the Advisor for such expenses at
the end of each month promptly upon the delivery by the Advisor of a
corresponding invoice and appropriate documentation.

SECTION 8. TAXES. Any federal, state or local taxes, assessments or other
governmental charges imposed on the MA Business and arising from Operator's
period of ownership are the obligations of Operator, not of Advisor. Advisor
shall pay or cause to be paid from the MA Business Operating Account all such
taxes, assessments or other governmental charges. Advisor

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may (and at Operator's discretion, Advisor shall at the Operator's expense)
contest the validity or amount of any such tax or imposition on the MA Business.

SECTION 9. LICENSES, PERMITS, CERTIFICATIONS AND LEGAL PROCEEDINGS.

     9.1 Licenses, Permits and Approvals. Advisor, shall assist Operator in its
application for, in the name of Operator, and to obtain and maintain, on behalf
of Operator, all necessary licenses, certifications, accreditations, permits and
approvals, and renewals thereof, to operate the MA Business to comply with all
applicable laws, rules and regulations and to be eligible for participation in
the Commonwealth's Reforma/Medicaid Program, the federal Medicare Program and
third-party payor programs. Such assistance shall include preparation and filing
of applications, financial projections and other materials reasonably related to
the regulatory approvals; preparation for on-site inspections; preparation of
plans of correction or consent orders; and review and recommendation of
agreements. Any and all materials prepared by Advisor shall be subject to
Operator's approval.

     9.2 Government Actions.. Neither Operator nor Advisor shall knowingly take
any action or fail to take any action which such party knows will cause any
governmental authority having jurisdiction over the operation of the MA Business
to institute any proceeding for the suspension, termination, rescission or
revocation of any necessary license, permit, accreditation, certification or
approval. Advisor shall not knowingly take any action or fail to take action
which Advisor knows will adversely affect Operator's right to accept and obtain
payments under Medicare, Medicaid or any other public or private third party
medical payment programs.

     9.3 Compliance. Operator shall comply with all federal, state and local
laws, rules and regulations and requirements which are applicable to Operator
provided that Operator, at its sole expense and without expense to Advisor,
shall have the right to contest by proper legal proceedings the validity, so far
as applicable to it, of any such law, rule, regulation or requirement, provided
that such contest shall not result in a suspension of operations of the MA
Business, and provided, further, Operator shall not be deemed to be in breach of
this covenant if Operator's failure to comply with any such law, rule,
regulation or requirement is the result of the gross negligence or willful
misconduct of Advisor.

SECTION 10. TRANSACTIONS WITH SPECIALISTSIn addition to the other advisory
services provided for in this Agreement, Advisor shall make available to the MA
Business for consultation and advice, when necessary, specialists in accounting,
budgeting, management, pharmacy services, personnel, purchasing, quality
assurance, policies and procedures, and third-party reimbursement.

SECTION 11. REPRESENTATIONS AND WARRANTIESOperator and Advisor make the
following representations and warranties to the other party:

     11.1 Status. The representing party is duly organized and validly existing
in good standing under the laws of the jurisdiction of formation, and has all
necessary power to carry on

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its business as now being conducted, to operate its properties as now being
operated, to carry on its contemplated business, to enter into this Agreement
and to observe and perform its terms.

     11.2 Authority and Due Execution. The representing party has full power and
authority to execute and to deliver this Agreement and all related documents and
to carry out the transactions contemplated by this Agreement. The execution of
this Agreement by such party will not, with the passing of time, the giving of
notice, or both, result in a default under or a breach or violation of such
party's: (i) organizational documents; or (ii) any law, regulation, court order,
injunction or decree of any court, administrative agency or governmental body;
or (iii) any mortgage, note, bond, indenture, agreement, lease, license, permit
or other instrument or obligation to which such party is now a party or by which
such party or any of its assets may be bound or affected. This Agreement
constitutes a valid and binding obligation of the representing party,
enforceable against such party in accordance with its terms, except to the
extent that its enforceability is limited by applicable bankruptcy,
reorganization, insolvency, receivership or other laws of general application or
equitable principles relating to or affecting the enforcement of creditors'
rights.

     11.3 Litigation. There is no litigation, claim, investigation, challenge or
other proceeding pending or, to the knowledge of the representing party,
threatened against such party, its properties or business which seeks to enjoin
or prohibit it from entering into this Agreement.

     11.4 Program Representations. With respect to any federal health care
program as defined in section 1128B of the Social Security Act (42 U.S.C.
1320a-7b(f)) or any State or Commonwealth health care program as defined in
section 1128B of the Social Security Act (42 U.S.C. 1320a-7b(h)) (collectively,
the "Programs"), neither party, nor any individual with a direct or indirect
ownership or control interest of five percent (5%) or more of such party, nor
any director, officer, agent or employee of such party has ever (i) been
debarred, suspended or excluded from any Program; (ii) been sanctioned under any
Program; or (iii) had a civil monetary penalty levied under any Program. Each
party covenants to immediately notify the other in writing if this
representation is no longer true.

SECTION 12. TERMINATION.

     12.1 Operator's Right To Terminate. The occurrence of one or more of the
following events (whatever the reason for such event and whether it shall be
voluntary or involuntary or be effected by operation of law or pursuant to any
judgment, decree or order of any court or any order, rule or regulation of any
administrative or governmental body) shall be a default. In that case, Operator
shall deliver to Advisor a notice of default in the manner described in Section
13 demanding that the Advisor remedy the default. If such default shall not have
been remedied, or steps initiated to remedy the same to the Operator's
reasonable satisfaction, within thirty (30) days after Advisor's receipt of the
notice of default, the Operator may terminate this Agreement, by delivering in,
the manner described in Section 12.5, written notice of termination with an
effective date not less than fourteen (14) days thereafter. Matters constituting
a default are:

          (a) failure on the part of the Advisor duly to observe or perform any
of the covenants or agreements made by Advisor under this Agreement;

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          (b) entry of a decree or order for relief in respect of the Advisor in
a court having jurisdiction in an involuntary case under applicable bankruptcy,
insolvency or other similar law now or hereafter in effect, or appointing a
receiver, liquidator, assignee, custodian, trustee, sequestrator (or similar
official) of the Advisor or for any substantial part of the property of the
Advisor or ordering the winding up or liquidation of the affairs of the Advisor,
and such decree or order shall remain unstayed and in effect for a period of 60
consecutive days;

          (c) commencement by the Advisor of a voluntary case under any
applicable bankruptcy, insolvency or other similar law now or hereafter in
effect, or consent to the entry of an order for relief in an involuntary case
under any such law, or consent to the appointment or taking possession by a
receiver, liquidator, assignee, custodian, trustee, sequestrator (or similar
official) of the Advisor or for any substantial part of the property of the
Advisor, or the Advisor shall make any general assignment for the benefit of
creditors;

          (d) If the Advisor is excluded by the United States Department of
Health and Human Services from participating in the Medicare and Medicaid
Programs, or is prevented by any administrative or judicial determination from
performing its duties hereunder;

          (e) If for any reason performance of the obligations under this
Agreement is made impossible by operation of or requirement of law;

          (f) If Advisor is convicted of any felony; or

          (g) willful misconduct, fraud or gross negligence in connection with
its management responsibilities hereunder.

     In addition, although not an Event of Default, if Operator leases or sells
the MA Business to another operator, Operator may terminate this Agreement with
thirty (30) days prior written notice to Advisor.

     12.2 Advisor's Right To Terminate.

Advisor may by giving thirty (30) days prior written notice to Operator,
terminate this Agreement upon the following occurrences:

          (a) If Operator defaults in the prompt and full performance of any
other of the covenants, obligations or agreements hereunder, and fails to
correct such failure within thirty (30) days of receipt of written notice from
the Advisor of such default (unless such default cannot reasonably be cured
within thirty (30) days, in which event such period shall be extended for an
additional thirty (30) days, provided the Operator shall have commenced in good
faith to cure such default within the first such thirty (30) day period and
shall proceed with all due diligence to correct such default thereafter).

          (b) If Operator fails to pay Advisor any fee due under this Agreement
within thirty (30) days when due;

          (c) If the Operator is excluded by the United States Department of
Health and Human Services from participating in the Medicare and Medicaid
Programs; failure on the part

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of the Advisor duly to observe or perform any of the covenants or agreements
made by Advisor under this Agreement;

          (d) entry of a decree or order for relief in respect of the Operator
in a court having jurisdiction in an involuntary case under applicable
bankruptcy, insolvency or other similar law now or hereafter in effect, or
appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator
(or similar official) of the Operator or for any substantial part of the
property of the Operator or ordering the winding up or liquidation of the
affairs of the Operator, and such decree or order shall remain unstayed and in
effect for a period of 60 consecutive days;

          (e) commencement by the Operator of a voluntary case under any
applicable bankruptcy, insolvency or other similar law now or hereafter in
effect, or consent to the entry of an order for relief in an involuntary case
under any such law, or consent to the appointment or taking possession by a
receiver, liquidator, assignee, custodian, trustee, sequestrator (or similar
official) of the Operator or for any substantial part of the property of the
Operator, or the Operator shall make any general assignment for the benefit of
creditors;

          (f) If for any reason performance of the obligations under this
Agreement is made impossible by operation of or requirement of law;

          (g) If Operator is convicted of any felony; or

          (h) willful misconduct, fraud or gross negligence in connection with
its management responsibilities hereunder.

     12.3 Transitional Obligations. In the event of the termination of this
Agreement, Advisor shall cooperate with Operator in transferring its services to
a new Advisor identified by Operator or to Operator. Advisor agrees to work
cooperatively with the new Advisor or Operator until all responsibilities are
effectively transferred. Upon termination and to the extent not in the
possession of the MA Business, Advisor shall provide to the MA Business copies
or originals of all books and records relating to the operation of the MA
Business. Such documents, records and information shall be timely provided upon
receipt of a written request and shall be provided in a form that is reasonably
useable and acceptable. In the event that any such books and records are in
computer useable form, Advisor shall provide Operator and the new Advisor with
reasonable access to such information including, without limitation, a copy of
the electronic records of the MA Business in the Advisor's possession.

     12.4 Effect of Termination. Upon any termination of this Agreement for any
reason whatsoever (i) all amounts payable to Advisor from Operator under this
Agreement or otherwise shall be immediately due and payable, including, without
limitation, all accrued but unpaid fees and expenses which accrued prior to such
termination but have not yet been paid to Advisor.

     12.5 Notices. Any notice, communication or demand requiring or permitted to
be given under this Agreement shall be in writing (including facsimile
communications) and shall be sent by first-class mail, or by
nationally-recognized overnight courier, or by facsimile transmission or by
personal delivery. All notices shall be sent to the applicable party at the
following addresses addressed as follows:

                                       12

<PAGE>

     To Operator, by addressing the same to:

          MMM Healthcare, Inc.
          350 Chardon Avenue, Suite 500
          Torre Cardon
          San Juan, PR 00918-2137
          Telecopy: 787-622-0470
          Telephone: 787-622-0479

     To Advisor by addressing the same to:

          MMM Holdings, Inc.
          c/o Aveta Health
          411 Hackensack Avenue, 7th Floor
          Hackensack, NJ 07601
          Attention: Timothy O'Donnell
          Telecopy: 201-346-8410
          Telephone: 201-346-8406

Any such properly given notice shall be effective on the earliest to occur of
receipt, telephone confirmation of receipt of facsimile communication, one
business day after delivery to a nationally recognized overnight courier, or
five business days after deposit in the mail, return receipt requested.

SECTION 13. COSTS AND EXPENSES; INDEMNITY AND INSURANCE.

     13.1 Costs and Fees. Except as otherwise expressly provided in this
Agreement, all fees, costs, expenses and purchases arising out of, relating to
or incurred in the operation of the MA Business, including, without limitation,
the fees, costs and expenses of consultants and professionals, shall be the sole
responsibility of Operator. Except as otherwise expressly provided in this
Agreement, Advisor, by reason of the execution of this Agreement or the
performance of its services under this Agreement, shall not be liable for or
deemed to have assumed any liability for such fees, costs and expenses, or any
other liability or debt of Operator whatsoever, arising out of or relating to
the MA Business or incurred at any of its administrative offices in the
performance of its obligations hereunder. Advisor shall have no obligations to
advance any sums required to maintain necessary licenses and permits and to
otherwise keep the MA Business operating as a pharmacy business, without
assurances that the necessary funds for the discharge of any such liability of
any such obligation will be punctually paid by Operator.

     13.2 Indemnification by Operator. Operator shall indemnify and hold Advisor
harmless from and against any and all claims, losses, costs, damages, and
liabilities, including reasonable attorneys' fees, incurred, caused or
occasioned by, in connection with or arising out of gross negligence or willful
misconduct of Operator, except if such claim, loss, cost, damage or liability
results from the gross negligence or willful misconduct of Advisor.

                                       13

<PAGE>

     13.3 Indemnification by Advisor. Advisor shall indemnify and hold Operator
harmless from and against any and all claims, losses, costs, damages, and
liabilities, including reasonable attorneys' fees, incurred, caused or
occasioned by, in connection with or arising out of the gross negligence or
willful misconduct of Advisor, its agents, employees or contractors, including,
without limitation, Advisor's violation or failure to perform, or
misrepresentation with respect to, any of the terms, covenants or conditions of
this Agreement, except if such claim, loss, cost, damage or liability results
from the gross negligence or willful misconduct of Operator.

SECTION 14. MISCELLANEOUS.

     14.1 Government Regulations In accordance with its obligations under this
Agreement, Operator and Advisor shall operate and maintain the MA Business in
compliance with the requirements of any statute, ordinance, law, rule,
regulation or order of any governmental or regulatory body having jurisdiction
over the MA Business. Notwithstanding anything to the contrary contained in this
Agreement, in the event that any Medicare and/or Medicaid law, rule, regulation
or payment policy, or any other applicable law or regulation, or any
interpretation thereof, at any time, is modified, implemented, threatened to be
implemented, or determined to prohibit, restrict or in any way materially change
the terms of this Agreement, or by virtue of the existence of this Agreement has
or will have a material adverse affect on either party, then Operator and
Advisor agree to negotiate in good faith to amend this Agreement in a manner
consistent with such change and the intent of the parties. If for any reason any
term or condition of this Agreement is found to be invalid or contrary to
government laws, rules, regulations or orders, Operator and Advisor agree to
immediately and in good faith modify such term or condition to comply with such
government law, rule, regulation or order.

     14.2 Limitations Each party's liability hereunder shall be limited to
actual damages suffered as a direct and proximate result of the other party's
breach under any provision of this Agreement. Advisor makes no warranties,
express or implied, and shall not assume any financial or other responsibilities
in connection with its obligations under this Agreement, except as specifically
provided in this Agreement.

     14.3 Assignment. Neither Advisor nor Operator shall assign its rights or
obligations under this Agreement without prior written consent of the other,
except that Operator may at any time assign its rights and obligations under
this Agreement to any party acquiring substantially all of its assets, stock or
membership interest.

     14.4 Retention of Control by Operator. Operator shall at all times continue
to exercise control over the assets and operations of the MA Business and
Advisor shall perform its responsibilities as described in this Agreement. By
entering into this Agreement, Operator does not delegate to Advisor any of the
powers, duties and responsibilities vested in the Operator by law, or by its
governance documents.

     14.5 Force Majeure. Neither Advisor nor Operator shall be deemed to be in
violation of this Agreement if it is prevented from performing any of its
obligations under this Agreement for any reason beyond its control including,
without limitation, strikes, lockouts, acts of God, unavailability of patients,
personnel or supplies, unforeseen changes in statutes, regulations or rules of
appropriate governmental or other regulatory authorities.

                                       14

<PAGE>

     14.6 Binding Agreement. The terms, covenants, conditions, provisions and
agreements contained in this Agreement shall be binding upon and inure to the
benefit of Operator and Advisor, their successors and assigns.

     14.7 Relationship of Parties. Nothing contained in this Agreement shall
constitute or be construed to be or to create a partnership, joint venture or
lease between Operator and Advisor with respect to the MA Business. Advisor at
all times shall act as an independent contractor to the Operator and shall not
hold itself out to third parties as a partner, joint venturer, or employee of
the Operator.

     14.8 Entire Agreement; Amendments. This Agreement (including the Exhibits
attached to and a part of this Agreement) contains the entire agreement between
the parties hereto with respect to the subject matter, and no prior oral or
written, and no contemporaneous oral, representations or agreements between the
parties with respect to the subject matter of this Agreement shall be of any
force and effect. Any additions, amendments or modifications to this Agreement
shall be of no force and effect unless in writing and signed by both Operator
and Advisor.

     14.9 Captions and Headings. The captions and headings throughout this
Agreement are for convenience of reference only, and the words contained therein
shall in no way be held or deemed to define, limit, describe, explain, modify,
amplify or add to the interpretation, construction or meaning of any provision
of or the scope or intent of this Agreement nor in any way affect this
Agreement.

     14.10 Governing Law. This Agreement is made under, and shall be construed
and enforced in accordance with, the laws of the Commonwealth of Puerto Rico
applicable to agreements made and to be performed solely therein, without giving
effect to principles of conflicts of law.

     14.11 Arbitration of Disputed Matters. Any dispute, controversy, or claim
arising out of or relating to this Agreement (a "Controversy"), shall be settled
by an arbitration panel (the "Arbitration Panel") in accordance with the
American Arbitration Association ("AAA") Rules of Procedure for Arbitration,
such arbitration to be held in San Juan, Puerto Rico.

          (a) The Arbitration Panel shall consist of one arbitrator selected by
agreement of Advisor and Operator. If they are unable to agree on such
selection, the Arbitration Panel shall consist of one arbitrator selected by
each of the parties hereto and the arbitrators thus selected shall select one
additional neutral arbitrator. No such arbitrator shall be a current or former
officer, director, member, shareholder or employee, or be serving in any current
capacity or within the two years prior to selection as an agent of, any party
hereto or any of its affiliates. If the matter involves accounting matters the
arbitrators shall be representatives of a firm or firms specializing in
accounting in the area of Health Plan operations.

          (b) It is agreed that if any party shall desire relief of any nature
whatsoever from any other party as a result of any Controversy, such party will
initiate such arbitration proceedings within a reasonable time. The parties
shall bear equally all costs of said arbitration (other than their own
attorney's fees and costs). The prevailing party in such arbitration shall be

                                       15

<PAGE>

entitled to reimbursement for its reasonable costs and expenses (including
reasonable attorney's fees) as part of any award. The arbitration panel shall
not have the authority to award punitive or exemplary damages. The parties agree
that the decision and award of the Arbitration Panel shall be final and
conclusive upon the parties, in lieu of all other legal, equitable or judicial
proceedings between them, and that no appeal or judicial review of the award or
decision of the Arbitration Panel shall be taken, but that such award or
decision may be entered as a judgment and enforced in any court having
jurisdiction over the party against whom enforcement is sought.

     14.12 Maintenance of Books, Records and Documents. Pursuant to section
1395x(v)(1)(l) of Title 42 of the United States Code and applicable rules and
regulations thereunder, until the expiration of four years after the termination
of this Agreement, Advisor shall make available, upon appropriate written
request by the Secretary of the United States Department of Health and Human
Services, the Comptroller General of the United States General Accounting
Office, or the applicable state agencies or departments, or any of their duly
authorized representatives, a copy of this Agreement and such books, documents
and records as are necessary to certify the nature and extent of the costs of
the services provided by Advisor under this Agreement. Advisor shall immediately
notify Operator if such access is requested. Advisor further agrees that in the
event it carries out any of its duties under this Agreement through a
subcontract with a value or cost of Ten Thousand Dollars ($10,000) or more over
a 12 month period, such subcontract shall contain a clause identical to that
contained in the first sentence of this Section.

          (a) Until the expiration of ten (10) years after the furnishing of
services pursuant to this Agreement, Advisor shall, as provided in section
1395x(v)(1)(l) of Title 42 of the United States Code and regulations promulgated
thereunder make available, upon written request, to the Secretary of the United
States Department of Health and Human Services, or upon request, to the
Comptroller General of the United States, or any of their duly authorized
representatives, this Agreement, and all books, documents and records of Advisor
that are necessary to verify the nature and extent of the costs of any services
furnished pursuant to this Agreement for which payment may be made under the
Federal Medicare Program.

          (b) If Advisor carries out any of the duties of this Agreement through
a subcontract or subcontracts with an aggregate value or cost of Ten Thousand
Dollars ($10,000) or more over a 12 month period with a related organization,
such subcontract or subcontracts shall contain a clause to the effect that until
the expiration of four years after the furnishing of such services pursuant to
such subcontract or subcontracts, the related organization shall, as provided in
section 1395x(v)(1)(l) of Title 42 of the United States Code, make available,
upon written request, to the above referenced Federal officials, or any of their
duly authorized representatives, the subcontract or subcontracts, and all books,
documents and records of such organization that are necessary to verify the
nature and extent of the costs of any services furnished pursuant to such
subcontract or subcontracts for which payment may be made under the Medicare
program.

     14.13 Further Assurances. At any time and from time to time during the term
of this Agreement, at either party's request, each party shall promptly execute
and deliver all such further agreements, certificates, instruments and
documents, including a certificate of Operator in a form reasonably satisfactory
to Advisor stating that this Agreement is in effect with respect to,

                                       16

<PAGE>

and is binding against, Operator, and each party shall perform such further
actions, as the other party may reasonably request in order to fully consummate
the transactions contemplated by this Agreement and carry out the purposes and
intent of this Agreement. In all matters referred to in this Agreement where a
party's consent or approval is required, such party agrees that it will not
unreasonably withhold or delay its consent or approval and where a party is
required to exercise any discretion or to make any determinations or judgments,
such determinations or judgments shall be reasonable.

     14.14 Certain Definitions.

          (a) Affiliate. The term "Affiliate," as used in this Agreement, means
a person that, directly or indirectly, controls or is controlled by, or is under
common control with, the person specified.

          (b) Person. The term "person," as used in this Agreement means any
individual, sole proprietorship, joint venture, corporation, partnership,
governmental body, regulatory agency or other entity of any nature.

     14.15 Severability. If any provision of this Agreement is construed to be
invalid, illegal or unenforceable, then the remaining provisions hereof shall
not be affected thereby and shall be enforceable without regard thereto.

     14.16 Waivers. No party's waiver of any term, provision, or condition of
this Agreement, whether by conduct or otherwise, in any one or more instances,
shall be deemed to be or construed as a further and continuing waiver by such
party of any such term, provision or condition of this Agreement.

     14.17 No Third-Party Rights. This Agreement shall not confer any rights or
benefits to or upon any person or entity not a party to this Agreement.

     14.18 Surviving Obligations. Upon termination or expiration of Operator's
appointment of Advisor under this Agreement, Advisor's obligation to provide
services and Operator's obligations to pay for such services provided shall
cease after such termination or expiration date. Other terms and provisions of
this Agreement shall survive any such termination or expiration to the extent
necessary for the implementation thereof.

     14.19 No Personal Liability. Neither this Agreement nor any term or
provision hereof shall create any personal liability whatsoever on the part of
any officer, director, Advisor, shareholder, partner, member, trustee, or
employee of any party hereto.

                                       17

<PAGE>

     14.20 Counterparts. This Agreement may be executed in any number of
counterparts, each of which when so executed and delivered shall constitute an
original hereof, and it shall not be necessary in making proof of this Agreement
to produce or account for more than one original counterpart hereof.

     IN WITNESS WHEREOF, the parties have caused this Agreement to be executed
on their behalf their duly authorized representatives, as of the day and year
first above written.

MMM HOLDINGS, INC.                      MMM HEALTHCARE, INC.

By: /s/ Howard Kamins                   By: /s/ Lawrence M. Dunn
    ---------------------------------       ------------------------------------
    Howard Kamins                           Lawrence M. Dunn
    Vice President                          Vice President

                                       18

<PAGE>

                                    EXHIBIT A
                                PRIVACY AGREEMENT

1.   Terms and Terminology.

     1.1 Terms. Terms used, but not defined in this Privacy Agreement shall have
the same meaning as those terms in 45 C.F.R. Part 160 and Part 164, Subparts A
and E.

     1.2 Privacy Rule. "Privacy Rule" shall mean the Standards for Privacy of
Individually Identifiable Health Information at 45 C.F.R. Part 160 and Part 164,
Subparts A and E.

2.   Obligations and Activities of Advisor

     2.1 Advisor agrees not to use or further disclose Protected Health
Information other than as permitted or required by this Privacy Agreement or as
required by law.

     2.2 Advisor agrees to use appropriate safeguards to prevent use or
disclosure of Protected Health Information other than as provided for by this
Privacy Agreement or the Privacy Rule.

     2.3 Advisor agrees to mitigate, to the extent practicable, any harmful
effect that is known to Advisor of a use or disclosure of Protected Health
Information in violation of the Privacy Rule.

     2.4 Advisor agrees to report to Operator any use or disclosure of Protected
Health Information made in violation of the Privacy Rule.

     2.5 Operator shall prepare a Notice of Information Practices for the MA
Business in accordance with 45 C.F.R. Section 164.520 and provide a copy to
Advisor.

     2.6 Advisor shall ensure that any agent, including a subcontractor, to whom
it provides Protected Health Information received from, or created or received
by Advisor in each case on behalf of Operator, agrees to the same restrictions
and conditions that apply through this Privacy Agreement to Advisor with respect
to such information.

     2.7 Advisor agrees to provide access, at the request of Operator, and in
the time and manner designated by Operator, to Protected Health Information in a
Designated Record Set, to Operator or, as directed by Operator, to an Individual
in order to meet the requirements of 45 C.F.R. Section 164.524.

     2.8 Advisor agrees to make any amendment(s) to Protected Health Information
in a Designated Record Set that Operator directs or agrees to pursuant to 45
C.F.R. Section 164.526 at the request of Operator or an Individual, and in the
time and manner designated by Operator.

                                       19

<PAGE>

     2.9 Advisor agrees to make internal practices, books, and records relating
to the use and disclosure of Protected Health Information received from, or
created or received by Advisor on behalf of, Operator available to the Operator,
or at the request of, Operator to the Secretary of HHS (the "Secretary"), in a
time and manner designated by the Operator or the Secretary, for the purposes of
the Secretary determining the Operator's compliance with the Privacy Rule.

     2.10 Advisor agrees to document such disclosures of Protected Health
Information and information related to such disclosures as would be required for
Operator to respond to a request by an Individual for an accounting of
disclosures of Protected Health Information in accordance with 45 CFR Section
164.528.

     2.11 Advisor agrees to provide to Operator or an Individual, in the time
and manner designated by Operator, information collected in accordance with
Section 2.12 of this Privacy Agreement, to permit Operator to respond to a
request by an Individual for an accounting of disclosures of Protected Health
Information in accordance with 45 CFR Section 164.528.

3.   Permitted Uses and Disclosures by Advisor.

     Except as otherwise limited in this Privacy Agreement, Advisor may use or
disclose Protected Health Information to perform functions, activities, or
services for itself and/or on behalf of Operator as specified in the Advisory
Services Agreement into which this Privacy Agreement has been incorporated by
reference (the "Service Agreement"), provided that such use or disclosure would
not violate the Privacy Rule if done by Operator.

4.   Obligations of Operator.

     4.1 Operator shall notify Advisor of any restriction to the use or
disclosure of Protected Health Information to which Operator has agreed in
accordance with 45 C.F.R. Section 164.522.

     4.2 Operator shall not request Advisor to use or disclose Protected Health
Information in any manner that would not be permissible under the Privacy Rule
if done by Operator.

5.   Term and Termination.

     5.1 Term. The Term of this Privacy Agreement shall be effective as of the
Commencement Date of the Service Agreement and shall terminate when all of the
Protected Health Information provided by Operator to Advisor, or created or
received by Advisor on behalf of Operator, is destroyed or returned to Operator,
or, if it is not feasible to return or destroy Protected Health Information,
protections are extended to such information, in accordance with the termination
provisions of this Section 5.

     5.2 Effect of Termination.

     (a) Except as provided in paragraph (b) of this Section 5.3, upon
termination of the Service Agreement for any reason, Advisor shall return or
destroy all Protected Health Information received from Operator, or created or
received by Advisor on behalf of Operator. This Section 5.2(a) shall apply to
Protected Health Information that is in the possession of

                                       20

<PAGE>

subcontractors or agents of Advisor. Advisor shall retain no copies of Protected
Health Information.

     (b) In the event that Advisor determines that returning or destroying such
Protected Health Information referred to in Section 5.2(a) is not feasible,
Advisor shall provide to Operator notification of the conditions that make
return or destruction not feasible. Upon mutual agreement of the parties that
return or destruction of the Protected Health Information is not feasible,
Advisor shall extend the protections of this Privacy Agreement to such Protected
Health Information and limit further uses and disclosures of such Protected
Health Information to those purposes that make the return or destruction
infeasible, for so long as Advisor maintains such Protected Health Information.

6.   Miscellaneous.

     6.1 Regulatory References. A reference in this Privacy Agreement to a
section in the Privacy Rule means the section as in effect or as amended, and
for which compliance is required.

     6.2 Amendment. Advisor and Operator agree to take such action to amend this
Privacy Agreement as is necessary for Operator to comply with the requirements
of the Privacy Rule and the Health Insurance Portability and Accountability Act
of 1996.

     6.3 Survival. The respective rights and obligations of Advisor under
Section 5 of this Privacy Agreement shall survive the termination of this
Privacy Agreement and the Service Agreement.

     6.4 Interpretation. Any ambiguity in this Privacy Agreement shall be
resolved in favor of a meaning that permits Operator to comply with the Privacy
Rule.

                                       21<PAGE>

                                                                    Exhibit 10.9

                                                                  Execution Copy

                              EMPLOYMENT AGREEMENT

          THIS EMPLOYMENT AGREEMENT ("Agreement") is entered into as of December
29, 2005, by and between AVETA INC., a Delaware corporation (the "Company"), and
TIMOTHY J. O DONNELL ("Executive").

          WHEREAS, Executive has expertise in operating health plans authorized
pursuant to the Medicare Advantage program and in risk adjustment, medical
network operations and administration (including plan design, pricing,
utilization and quality control);

          WHEREAS, the Company and related entities operate or intend to operate
various businesses (collectively, the "Business" and each element of the
foregoing, a component of the Business) including (i) a health plan (a "Health
Plan") authorized pursuant to the Medicare Advantage program, (ii) other
companies that (x) operate or manage Health Plan(s), (y) perform or arrange for
medical services for Health Plans (either on a capitated, risk sharing or fee
for service basis) and/or (z) provide services to or on behalf of Health Plans
in the areas of medical management, risk adjustment, medical network operations
or administration; plan design, pricing, utilization or quality control; and

          WHEREAS, the Company wishes to assure itself and related entities of
the services of Executive, and Executive wishes to provide such services, upon
the terms and conditions hereinafter set forth.

          NOW, THEREFORE, in consideration of and in reliance upon the foregoing
and the obligations and agreements contained herein, the Company and Executive
hereby agree as follows:

     1. Term. The term of this Agreement shall commence on the date hereof and
end on October 31, 2009, unless sooner terminated in accordance with this
Agreement (the "Employment Period").

     2. Position. (a) During the Employment Period, Executive shall serve as
President and Chief Executive Officer of the Company. In such position,
Executive shall have such duties and authority of a senior executive in a
similar position as shall be determined from time to time by the Board of
Directors of the Company (the "Board") or the Chairman of the Board. Executive
shall report to the Chairman of the Board.

          (b) During the Employment Period, Executive shall devote his full
business time and best efforts to the business and affairs of the Company and
shall perform his duties and responsibilities hereunder faithfully and
diligently; provided, however, that nothing in this Agreement shall preclude
Executive from engaging in charitable and community affairs, to the extent that
such activities do not inhibit or prohibit the performance of Executive's duties
under this Agreement or conflict in any way with the Business.

     3. Compensation.

          (a) Base Salary. During the Employment Period, the Company shall pay
Executive a base salary (the "Base Salary"), payable in regular installments in
accordance with

<PAGE>

the Company's usual payroll practices, as follows: (i) from the date hereof
through October 31, 2007, at the annual rate of $375,000, (ii) from November 1,
2007 through October 31, 2008, at the annual rate of $400,000, and (iii) from
November 1, 2008 through the end of the term of this Agreement, $425,000.

          (b) Annual Bonus. During the Employment Period, except as otherwise
provided in Sections 3(c), Executive shall be eligible to participate in the
Company's bonus and other incentive compensation plans and programs for the
Company's senior executives at a level commensurate with his position. Executive
shall have the opportunity to earn an annual target bonus measured against
objective financial criteria and personal goals to be determined by the Board
(or a committee thereof) of one hundred percent (100%) of Base Salary. For 2006,
the Executive's target bonus shall be measured against the objective financial
criteria and personal goals described on Attachment 3(b) to this Agreement.

          (c) 2005 Bonus. Executive shall be entitled to receive a minimum cash
bonus, pursuant to Section 3(b) above, on account of, and subject to, his
continued employment with the Company through the end of the calendar year
ending December 31, 2005 equal to four hundred thousand dollars ($400,000)
payable in accordance with the Company's policy for annual bonuses.

     4. Employee Benefits.

          (a) During the Employment Period, Executive shall be entitled to
participate in any employee benefit plan that the Company has adopted or may
adopt, maintain or contribute to for the benefit of its employees, subject to
satisfying the applicable eligibility requirements.

          (b) Executive shall be entitled to receive four weeks of annual paid
vacation, which vacation shall be taken in accordance with the Company's
vacation policy for the Company's senior executives. Executive shall also be
entitled to all paid holidays that the Company makes available to its employees.

     5. Business Expenses. During the Employment Period, reasonable business
expenses incurred by Executive in the performance of his duties hereunder shall
be reimbursed by the Company in accordance with Company policies.

     6. Termination. The Company or Executive may terminate this Agreement prior
to the expiration of the Employment Period under the following circumstances:

          (a) Death. This Agreement shall terminate automatically upon
Executive's death.

          (b) Total Disability. The Company may terminate this Agreement at any
time after Executive becomes Disabled. For purposes of this Agreement, Executive
shall be deemed "Disabled" upon Executive's inability to perform the duties and
responsibilities contemplated under this Agreement for a period of more than 90
consecutive days, or for an aggregate of 120 days during any 12 month period,
due to physical or mental incapacity or impairment, as determined in good faith
by the Company. Such termination shall become effective five days after the
Company gives notice of such termination to Executive.

                                  Page 2 of 13

<PAGE>

          (c) Termination by the Company without Cause. The Company may
terminate this Agreement at any time and for any reason or no reason upon
written notice to Executive.

          (d) Termination by the Company for Cause. The Company may terminate
this Agreement for Cause at any time after providing written notice to
Executive. For purposes of this Agreement, the term "Cause" shall mean any of
the following, as determined in good faith and on a reasonable basis by the
Company: (i) perpetration by Executive of malfeasance, misappropriation, fraud
or gross misconduct against or affecting the Company, or any of its parents,
subsidiaries, affiliates or successors (collectively, the "Company Group") or
any customer, client, agent or employee of the Company Group; (ii) any grossly
negligent, willful or intentional act by Executive that could reasonably be
expected to materially injure the reputation, business or business relationships
of any member of the Company Group; (iii) conviction of, or entry of a pleading
of guilty or no contest by, Executive with respect to a felony or other crime
involving moral turpitude, fraud or dishonesty; (iv) the neglect or failure or
refusal of Executive to perform in any material respect the duties hereunder;
(v) the breach of any covenant set forth in Sections 8, 9 or 10 hereof; or (vi)
any other material breach of this Agreement; provided, however, that in the
circumstances described in clauses (iv) or (vi) of this Section 6(d), Executive
has failed to cure such neglect, failure, refusal or breach within 10 days after
the receipt of written notice thereof describing in reasonable detail such
neglect, failure, refusal or breach and stating that such notice is being
delivered pursuant to this section.

          (e) Termination by Executive for Good Reason. Executive may terminate
this Agreement for Good Reason upon 60 days' written notice to the Company,
unless such events are corrected in all material respects by the Company within
30 days following written notification by Executive to the Company, provided
that such notice is given within 90 days of Executive's discovery of the Good
Reason event. "Good Reason" shall mean, without the express written consent of
Executive, the occurrence of any of the following events:

          (i) Executive shall (except temporarily during any period of
     disability or incapacity) cease to have a position, duties,
     responsibilities, authorities or titles consistent with that of Chief
     Executive Officer of the Company or any assignment to Executive of duties
     or responsibilities not commensurate with Executive's position as the Chief
     Executive Officer of the Company;

          (ii) any purported termination by the Company of Executive's
     employment which is not effectuated pursuant the express terms and
     provisions hereof;

          (iii) Executive shall cease to be a director of the Company, other
     than as a result of his voluntary resignation;

          (iv) the imposition of a requirement for the relocation of the
     Executive to a facility or a location more than fifty (50) miles from the
     Company's current headquarters location in Fort Lee, New Jersey ;

          (v) a reduction by the Company in Executive's Base Salary (unless
     there is a reduction of compensation applicable to senior executives
     generally); or

          (vi) a material breach by the Company of any provisions of this
     Agreement.

                                  Page 3 0f 13

<PAGE>

     7. Compensation Following and Effects of Termination Prior to October 31,
2009. In the event that this Agreement is terminated prior to October 31, 2009,
Executive shall be entitled to the following compensation and benefits upon such
termination:

          (a) Termination by Reason of Death or Disability. In the event that
this Agreement is terminated pursuant to Sections 6(a) or (b), the Company shall
pay the following amounts to Executive within five business days of such
termination (or, in the case of payments under Section 7(a)(iii) below, when
provided under the applicable plan, policy or practice):

               (i) any accrued but unpaid Base Salary (as determined pursuant to
Section 3(a) hereof) for services rendered to the date of termination;

               (ii) any accrued but unpaid expenses required to be reimbursed
pursuant to Section 5 hereof; and

               (iii) all other benefits, if any due Executive following
Executive's termination for death or Disability in accordance with the plans,
policies and practices of the Company.

          (b) Termination by the Company without Cause. In the event that
Executive's employment is terminated by the Company pursuant to Section 6(c),
the Company shall pay the following amounts to Executive within five business
days of the termination (or, in the case of payments under Section 7(b)(iv)
below, when provided under the applicable plan, policy or practice):

               (i) any accrued but unpaid Base Salary (as determined pursuant to
Section 3(a) hereof) for services rendered to the date of termination;

               (ii) any accrued but unpaid expenses required to be reimbursed
pursuant to Section 5 hereof;

               (iii) a lump sum payment equal to 12 times the Base Salary
payable for the month in which such termination occurred; and

               (iv) all other benefits, if any due Executive following
Executive's termination without Cause in accordance with the plans, policies and
practices of the Company.

          (c) Termination by the Company for Cause or as a result of resignation
of Executive. In the event that this Agreement is terminated by the Company for
Cause pursuant to Section 6(d) or as a result of resignation of Executive, the
Company shall pay the following amounts to Executive within five business days
of such termination (or, in the case of payments under Section 7(c)(iii) below,
when provided under the applicable plan, policy or practice):

               (i) any accrued but unpaid Base Salary (as determined pursuant to
Section 3(a) hereof) for services rendered to the date of termination;

                                  Page 4 of 13

<PAGE>

               (ii) any accrued but unpaid expenses required to be reimbursed
pursuant to Section 5 hereof; and

               (iii) all other benefits, if any due Executive following
Executive's termination for Cause or voluntary resignation in accordance with
the plans, policies and practices of the Company.

          (d) No Other Benefits or Compensation. Except as provided in this
Section 7, Executive shall not have any right to receive any other compensation
or payment, or to participate in any other plan, arrangement or benefit, with
respect to any future period after such termination.

          (e) Release. Any and all amounts payable and benefits or additional
rights provided to Executive upon termination of employment shall only be
payable if Executive delivers to the Company and does not revoke a general
release of all claims reasonably acceptable to the Company and to the Executive.

     8. Restrictive Covenants.

          (a) Proprietary Information. Executive acknowledges that the Company
will give Executive access to and use of Proprietary Information and
Confidential Records (as those terms are defined below) of members of the
Company Group. In consideration of being granted such access and use, Executive
covenants that he shall not during the Employment Period or at any time
thereafter, directly or indirectly, use for his own purpose or for the benefit
of any individual or entity other than any member of the Company Group, nor
otherwise disclose to any individual or entity, any Proprietary Information of
which Executive has knowledge, unless such disclosure has been specifically
authorized in writing by an officer of the Company or is required by law.
Executive acknowledges and understands that the term "Proprietary Information"
shall mean: (i) all inventions, know-how, technology, formulas, designs,
software, programs, algorithms, products, systems, applications, processes,
procedures, methods and improvements and enhancements, and all related
documentation, whether or not patentable, copyrightable or entitled to other
forms of protection, utilized by any member of the Company Group or which are
directly related to the Business; (ii) the name and/or address of any customer
or vendor of any member of the Company Group or any information concerning the
transactions or relations of any customer or vendor of any member of the Company
Group with any member of the Company Group, or any of their stockholders,
members, principals, directors, officers, employees or agents; (iii) any
financial information relating to any member of the Company Group and their
respective businesses, including, without limitation, information relating to
pricing or marketing methods, sales margins, cost or source of materials,
supplies or goods, capital structure, operating results or borrowing
arrangements; (iv) any information which is generally regarded as confidential
or proprietary in any line of business engaged in by any member of the Company
Group; (v) any business plans, budgets, advertising or marketing plans of any
member of the Company Group; (vi) any information contained in any of the
written or verbal policies and procedures or manuals of any member of the
Company Group; (vii) any information belonging to customers, vendors or
affiliates of any member of the Company Group or any other individual or entity
which any member of the Company Group has agreed to hold in confidence; and
(viii) all written, graphic and other material (in any medium whether in
writing,

                                  Page 5 of 13

<PAGE>

on magnetic tape or in electronic or other form) containing any of the
foregoing. Executive acknowledges and understands that information that is not
novel or is not copyrighted, trademarked or patented, or eligible for such or
any other protection, may nonetheless be Proprietary Information. The term
"Proprietary Information" shall NOT include information generally available to
the public.

          (b) Confidentiality and Surrender of Records. Executive shall not
during the Employment Period or at any time thereafter (irrespective of the
circumstances under which this Agreement terminates), except as required by law
or as is necessary for the performance of Executive's duties under this
Agreement, and only upon prior written notice thereof to the Company, directly
or indirectly, publish, make known or in any manner disclose any Confidential
Records to, or permit any inspection or copying of Confidential Records by, any
individual or entity. Executive shall not retain, and shall deliver promptly to
the Company, all copies of any of the same following termination of this
Agreement for any reason or upon request by the Company. For purposes of this
Section 8, "Confidential Records" means, without limitation, all correspondence,
memoranda, files, manuals, books, lists, financial, operating or marketing
records and customer and vendor records containing any Proprietary Information
(in any medium whether in writing, on magnetic tape or in electronic or other
form) or equipment of any kind which may be in Executive's possession or under
their control or accessible to Executive. All Confidential Records shall be and
remain the sole and exclusive property of the Company during the Employment
Period and thereafter.

          (c) Noncompetition; Nonsolicitation, Etc.. (i) Executive will be a key
representative of the Company and the Company Group and will possess unique
knowledge of the Company Group and its operations. The future prospects of the
Company Group are dependent in significant part on Executive's knowledge,
contacts and efforts and in the course of Executive's employment relationship
Executive will represent the Company Group in its dealings with payors,
providers, customers, suppliers and employees, and the competitive survival and
goodwill of the Company Group will be dependent upon its maintaining favorable
relations with payors, providers, customers, suppliers and employees. The
provisions contained in this Section 8(c) are required to preserve such future
prospects. Except as provided below, during the Employment Period and for a
period of 12 months thereafter (the "Restricted Period"), Executive shall not
without the prior written consent of the Board, either directly, indirectly,
separately or in association with others:

          (A) engage in the operation of or have any financial interest in
          (whether as an officer, employee, partner, owner, lender, shareholder,
          member, operator, consultant or otherwise) any person, firm,
          corporation or business that itself engages in, or through a
          subsidiary or affiliate engages in, any element of the Business in the
          Commonwealth of Puerto Rico or in any county in the United States in
          which a member of the Company Group operates or has applied to operate
          in the Business during the Employment Period; or

          (B) solicit, accept, or conduct, or cause or encourage others to
          solicit, accept or conduct Business with any person who, during the
          Employment Period or the one year period prior to the date hereof was
          a customer or with or to whom the Company or any other member of the
          Company Group made a proposal or offer

                                  Page 6 of 13

<PAGE>

          as a potential provider to, customer of, or payor to, the Company or
          any other member of the Company Group; or

          (C) employ, attempt to employ, or cause or encourage others to employ
          or interfere, or otherwise interfere or attempt to interfere, with the
          employment, contractual or other business relationships between the
          Company or any other member of the Company Group, on the one hand, and
          any of its officers, managers, partners, directors, employees,
          customers, providers, payors, suppliers or agents, on the other hand;
          or

          (D) directly or indirectly advise or encourage any director, officer,
          manager, employee, agent, consultant or representative or client of,
          or vendor or supplier to the Company or any other member of the
          Company Group to terminate his, her or its relationship with the
          Company or any other member of the Company Group or to reduce the
          amount of business it does with the Company or any other or any other
          member of the Company Group.

          (ii) Miscellaneous.

          (A) Nothing in this Agreement shall prohibit Executive from owning
          five percent (5%) or less of the issued and outstanding securities of
          a company which is engaged in the Business whose securities are listed
          on a national securities exchange or listed on the NASDAQ National
          Market System.

          (B) If any portion of the covenants set forth in this Section 8(c)
          above shall be held unreasonable because of the term, geographic
          zones, activities or services, or other matters covered thereby, the
          covenants shall nevertheless be enforced in such reduced scope or form
          as may be determined by an arbitrator.

          (C) Executive acknowledge that the Company would not enter into this
          employment relationship without the assurance that Executive will not
          engage in any of the activities prohibited by this Sections 8(c) for
          the periods set forth herein.

          (D) Executive agree to restrict his actions as provided for in this
          Section 8(c) and further acknowledge that the scope and duration of
          the restrictions set forth in this Section 8(c) are reasonable in
          light of the specific nature and duration of the employment
          relationship and the payments Executive are receiving pursuant to the
          terms of this Agreement, which payments benefit Executive directly.

          (E) For purposes of any provision of this Section 8(c), "directly or
          indirectly" means in Executive's individual capacity for Executive's
          own benefit or for the benefit of any other person, or as a
          shareholder, partner, member or other principal, officer, director,
          trustee, manager, employee, agent or consultant of or to any person
          whatsoever.

          (F) Executive acknowledges and agrees that, by virtue of Executive's
          position, services and access to and use of Confidential Records or
          Proprietary

                                  Page 7 of 13

<PAGE>

          Information (defined above), any violation by Executive of any of the
          undertakings contained in this Section 8(c) would cause the Company
          and other members of the Company Group immediate, substantial and
          irreparable injury for which they have no adequate remedy at law.
          Accordingly, Executive agree that in the event of Executive's breach
          or threatened breach of any said undertakings, the Company and other
          members of the Company Group will be entitled to temporary and
          permanent injunctive relief in any court of competent jurisdiction
          (without the need to post bond and without proving that damages would
          be inadequate).

          (G) The rights and remedies provided for in this Section 8(c) are
          cumulative and shall be in addition to rights and remedies otherwise
          available to the parties hereunder or under any other agreement or
          applicable law. If the final judgment of an arbitrator declares that
          any provision of this Section 8(c) is invalid or unenforceable, the
          parties hereto agree that the arbitrator making the determination of
          invalidity or unenforceability shall have the power, and is hereby
          directed, to reduce the scope, duration or area of the provision, to
          delete specific words or phrases and to replace any invalid or
          unenforceable provision with a provision that is valid and enforceable
          and that comes closest to expressing the intention of the invalid or
          unenforceable provision, and the provisions of this Section 8(c) shall
          be enforceable as so modified.

          (iii) Executive understands that the provisions of this Section 8(c)
          may limit Executive's ability to earn a livelihood in a business
          similar to the Business but nevertheless agrees and hereby
          acknowledges that the consideration provided under this Agreement is
          sufficient to justify the restrictions contained in such provisions.
          In consideration thereof and in light of Executive's education, skills
          and abilities, Executive agrees that Executive will not assert in any
          forum that such provisions prevent Executive from earning a living or
          otherwise are void or unenforceable or should be held void or
          unenforceable.

     9. Developments the Property of the Company. All discoveries, inventions,
ideas, technology, formulas, designs, software, programs, algorithms, products,
systems, applications, processes, procedures, methods and improvements and
enhancements conceived, developed or otherwise made or created or otherwise
produced by Executive at any time, alone or with others, and relating or useful
to the Business, whether or not subject to patent, copyright or other protection
and whether or not reduced to tangible form, during the Employment Period
("Developments"), shall be the sole and exclusive property of the Company.
Executive agrees to, and hereby does, assign to the Company, without any further
consideration, all Executive's right, title and interest throughout the world in
and to all Developments. Executive agrees that all such Developments that are
copyrightable may constitute works made for hire under the copyright laws of the
United States and, as such, acknowledge that the Company is the author of such
Developments and owns all of the rights comprised in the copyright of such
Developments and Executive hereby assigns to the Company without any further
consideration all of the rights comprised in the copyright and other proprietary
rights Executive may have in any such Development to the extent that it might
not be considered a work made for hire. Executive shall make and maintain
adequate and current written records of all Developments and shall disclose all
Developments promptly, fully and in writing to the Company promptly after
development of

                                  Page 8 of 13

<PAGE>

the same, and at any time upon request; provided, however, that Developments
excluded under the preceding sentence shall be received by the Company in
confidence. Furthermore, Executive hereby irrevocably constitutes and appoints
the Company and any officer, employee or agent thereof, with full power of
substitution, as Executive's true and lawful attorney-in-fact with full
irrevocable power and authority to take all appropriate action and to execute
any and all such assignments and other documents necessary to effectuate the
foregoing. Executive hereby agrees to execute and deliver to the Company such
documents and instruments as the Company may reasonably request from time to
time to effectuate the purposes of this section. With respect to Developments
that are not owned by or assigned to the Company pursuant to this Section 9,
Executive hereby agrees that the Company shall have, and Executive hereby grants
to the Company, a perpetual, worldwide, irrevocable, royalty-free, fully
paid-up, exclusive license to use for any and all purposes and in any manner any
such Developments that are within the scope of the Company's actual and
anticipated business.

     10. Cooperation. Executive shall, during the Employment Period and
thereafter, at the reasonable request of the Company, fully cooperate with any
member of the Company Group in connection with the prosecution or defense of any
claim, action, arbitration, suit or proceeding (each a "Claim") against or by a
third party relating to any member of the Company Group or Executive or the
performance of its or Executive's services hereunder or as an officer of any
member of the Company Group, including, without limitation, providing access to
Executive's files and records that are relevant to such Claim, and appearing as
a witness in any such Claim. In such event, Executive by the Company for his
reasonable out of pocket expenses and shall be paid a reasonable fee for his
services by the Company. During the Employment Period and thereafter, Executive
agrees to give the Company notice of any such Claim by a third party promptly
after receipt of any notice given in connection therewith to Executive by a
party other than the Company.

     11. Notices. For the purpose of this Agreement, notices and all other
communications provided for in this Agreement shall be in writing and shall be
deemed to have been duly given if delivered personally, if delivered by
overnight courier service, if sent by facsimile transmission or if mailed by
United States registered mail, return receipt requested, postage prepaid,
addressed to the respective addresses or sent via facsimile to the respective
facsimile numbers, as the case may be, as set forth below, or to such other
address as either party may have furnished to the other in writing in accordance
herewith, except that notice of change of address shall be effective only upon
receipt; provided, however, that (a) notices sent by personal delivery or
overnight courier shall be deemed given when delivered; (b) notices sent by
facsimile transmission shall be deemed given upon the sender's receipt of
confirmation of complete transmission, and (c) notices sent by United States
registered mail shall be deemed given two days after the date of deposit in the
United States mail.

          If to Executive, to:

          Timothy J.O Donnell
          c/o Aveta Inc.
          411 Hackensack Avenue, 7th Floor
          Hackensack, N.J. 07601

                                  Page 9 of 13

<PAGE>

          Telecopy: 201-346-8410

          If to the Company to:

          Aveta Inc.
          411 Hackensack Avenue, 7th Floor
          Hackensack, N.J. 07601
          Attention: General Counsel
          Telecopy: 201-346-8410

     12. Arbitration. Any dispute, controversy or claim arising under or in
connection with this Agreement or Executive's employment with the Company, other
than injunctive relief under Section 8 hereof, shall be settled exclusively by
arbitration, conducted before a single arbitrator in New York, New York in
accordance with the National Rules for the Resolution of Employment Disputes of
the American Arbitration Association then in effect. The decision of the
arbitrator will be final and binding upon the parties hereto. Judgment may be
entered on the arbitrator's award in any court having jurisdiction. The parties
acknowledge and agree that if the Executive is the prevailing party in any
arbitration, as determined by the arbitrator, he shall be entitled to receive
his reasonable attorneys' fees, costs of arbitration and other expenses incurred
in connection with the arbitration from the Company promptly upon presentment of
appropriate documentation. The arbitrator shall not have the authority to award
punitive or exemplary damages.

     13. Assignment. Executive shall not have the right to assign his interest
in this Agreement, any rights under this Agreement or any duties imposed under
this Agreement. This Agreement may be assigned by the Company to any successor
in interest to substantially all of the business operations of the Company. Such
assignment shall become effective when the Company notifies Executive of such
assignment or at such later date as may be specified in such notice. Upon such
assignment, the rights and obligations of the Company hereunder shall become the
rights and obligations of such successor company, provided that any assignee
expressly assumes the obligations, rights and privileges of this Agreement.

     14. Complete Understanding; Amendment; Waiver. This Agreement constitutes
the complete understanding between the parties with respect to the engagement of
Executive and supersedes all other prior agreements and understandings, both
written and verbal, between the parties with respect to the subject matter
hereof, and no statement, representation, warranty or covenant has been made by
either party with respect thereto except as expressly set forth herein. All
prior employment, consulting or other agreements between any member of the
Company Group and Executive with respect to the performance of any services by
Executive to any member of the Company Group (including, without limitation, the
Amended and Restated Consulting Agreement by and among Aveta Health, Inc. and
Executive dated as of November 1, 2004) or the payment of any royalties, license
fees or other similar fees to Executive, are hereby terminated. This Agreement
shall not be altered, modified, amended or terminated except by a written
instrument signed by each of the parties hereto. Any waiver of any term or
provision hereof, or of the application of any such term or provision to any
circumstances, shall be in writing signed by the party charged with giving such
waiver. Waiver by any party hereto of any

                                  Page 10 of 13

<PAGE>

breach hereunder by the other parties shall not operate as a waiver of any other
breach, whether similar to or different from the breach waived. No delay on the
part of the Company or Executive in the exercise of any of their respective
rights or remedies shall operate as a waiver thereof, and no single or partial
exercise by the Company or Executive of any such right or remedy shall preclude
other or further exercise thereof. Any provision in this Agreement (or any
agreement or arrangement referenced herein) that is inconsistent with the
requirements of Section 409A of the Internal Revenue Code of 1986, as amended
(the "Code"), including the timing of any payment, shall be deemed to be amended
to comply with Section 409A of the Code in the manner most favorable to
Executive (other than the requirement to pay a lump sum if a lump sum is not
otherwise provided for in this Agreement, applicable plan or document).

     15. Severability. If any provision of this Agreement or the application of
any such provision to any party or circumstances shall be determined by any
arbitrator to be invalid or unenforceable to any extent, the remainder of this
Agreement, or the application of such provision to such person or circumstances
other than those to which it is so determined to be invalid or unenforceable,
shall not be affected thereby, and each provision hereof shall be enforced to
the fullest extent permitted by law. To the extent that an arbitrator determines
that Executive breached any undertaking in Section 8, 9 or 10 hereof, the
Company's obligations to make payments hereunder shall immediately cease,
provided that the Company shall be liable for such payments in the event that
the determination of such arbitrator is overturned or reversed by any higher
arbitrator. If the final judgment of an arbitrator declares that any provision
of this Agreement, including, without limitation, any provision of Section 8, 9
or 10 hereof, is invalid or unenforceable, the parties hereto agree that the
arbitrator making the determination of invalidity or unenforceability shall have
the power, and is hereby directed, to reduce the scope, duration or area of the
provision, to delete specific words or phrases and to replace any invalid or
unenforceable provision with a provision that is valid and enforceable and that
comes closest to expressing the intention of the invalid or unenforceable
provision, and this Agreement shall be enforceable as so modified.

     16. Survivability. The provisions of this Agreement which by their terms
call for performance subsequent to termination of this Agreement, shall so
survive such termination.

     17. Governing Law; Consent to Jurisdiction. This Agreement shall be
governed by and construed under the Laws of the State of New York (without
regard to the conflict of law principles thereof). Each of the parties hereto
irrevocably agrees that any legal action or proceeding for recognition and
enforcement of any judgment in respect hereof shall be brought and determined in
the United States District Court for the Southern District of New York or if
such legal action or proceeding may not be brought in such court for
jurisdictional purposes, in the Supreme Court of New York.

     18. Titles and Captions. All paragraph titles or captions in this Agreement
are for convenience only and in no way define, limit, extend or describe the
scope or intent of any provision hereof.

     19. Withholding Taxes. The Company may withhold from any amounts payable
under this Agreement such Federal, state and local taxes as may be required to
be withheld pursuant to any applicable law or regulation.

                                  Page 11 of 13

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     20. Acknowledgment. The parties executing this Agreement acknowledge that
they have read this Agreement in detail and fully understand and accept every
provision and covenant the same.

     21. Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed to be an original but all of which
together will constitute one and the same instrument.

     22. Acceptance. Executive hereby represents that his performance and
execution of this Agreement does not and will not constitute a breach of any
agreement or arrangement to which he is a party or is otherwise bound,
including, without limitation, any noncompetition or employment agreement.

     IN WITNESS WHEREOF, each of the parties hereto has duly executed this
Employment Agreement as of the date first above written.

AVETA INC.

By: /s/ Joseph Mark
    ---------------------------------

TIMOTHY J. O DONNELL

/s/ Timothy J. O Donnell
-------------------------------------
Timothy J. O Donnell

                                  Page 12 of 13

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                                                                       Exhibit A

                                [Form of Release]

                                  Page 13 of 13

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