Document:

Exhibit 10.1

 

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

AETNA MARKETING AGREEMENT

FOR UPLINE LICENSED AGENTS AND AGENCIES

 

GROUP MEDICARE ADVANTAGE PLANS, MEDICARE
ADVANTAGE PLANS

WITH MEDICARE PRESCRIPTION DRUG COVERAGE AND

MEDICARE PRESCRIPTION DRUG PLANS

 

This Upline Marketing Agreement (this “Agreement”),
is made between Aetna Life Insurance Company, a Connecticut corporation, on behalf of itself and its affiliates (“Aetna”),
and the undersigned Upline (“Upline”) (individually, each a “Party,” and collectively, “Parties”).
This Agreement shall become effective as of the Effective Date (as defined herein).

 

Whereas, Aetna desires to contract with Upline in order for
Upline to provide certain Sales and Referral services as are defined in this Agreement for Medicare Advantage and Part D retiree
only employer group waiver plans (hereinafter “EGWP Products”) to employers, labor organizations, and the trustees
of a fund established by one or more employers or labor organizations (or combination thereof) (“Target Customers”);

 

Whereas, Upline desires to provide such Sales and Referral services
in connection with Target Customers of EGWP Products through its Principal and other Licensed Agents;

 

Whereas, Upline will secure additional arrangements with downstream
agencies consisting of at least one organization, all of whom shall be appropriately licensed to provide sales and referrals services
consistent with this Agreement;

 

Now, therefore, the Parties agree as follows:

 

To signify they have read, fully understand, and agree to the
terms and conditions of this Agreement set forth below, the Parties have signed below:

 

     

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

AETNA LIFE INSURANCE COMPANY

 

	By:	/s/ Richard Frommeyer, Jr.	 
	 	Name: Richard Frommeyer, Jr.	 
	 	Title: Vice President, Group Medicare	 
	 	 	 
	Date:	 	 

 

Effective Date of Agreement: June 30, 2016

 

Aetna’s signature on this Agreement shall be deemed null
and void if Aetna deems the following requirements not satisfied:

 

Upline’s (or if Upline is an entity, Principal’s)
background check is satisfactory in Aetna’s sole discretion;

 

Upline (or if Upline is an entity, Principal) does not appear
on the OIG List (defined herein) or Specially Designated Nationals and Blocked Persons list published by the Office of Foreign
Assets Control of the U.S. Department of Treasury;

 

Upline (and if Upline is an entity, Principal) is properly licensed
in the states in which Upline’s Licensed Agents intend to Sell;

 

Upline (and if Upline is an entity, Principal) is properly appointed,
as required by state law;

 

nomoreformsTM contracting process is complete.

 

For purposes of Section 10.6 of this Agreement:

 

Postage Address:

 

Aetna

Broker Services Department

2222 Ewing Road

Moon Township, PA 15108

Telephone Number: (866) 714-9301

Fax: (724)741-7285

Email Address: BrokerSupport@aetna.com

 

The Producer Guide, which supplements this Agreement, is binding
upon Upline and Licensed Agents. The Producer Guide and other information is available at:

 

UPLINE

(Type name of individual or entity entering into this Agreement)

Grandparents Insurance Solutions, LLC

 

	By:	/s/ Steven E. Leber	 
	 	 	 
	Name of Signatory: 	/s/ Steven E. Leber	 
	 	 	 
	Title:	 	 

 

If entity, indicate entity type (corporation, limited liability
company, etc.) and state of formation:

 

	Limited Liability Company	 
	Florida	 

 

Tax ID No.: 46-11407087____________

 

For purposes of Section 10.6 of this Agreement:

 

Name/Title of contact person:

__Steve Leber_____

Postage Address: __589 8th Avenue, New York,
NY 10018 ______________

 

Telephone Number: _(646) 839-8810__

Facsimile: _(646) 654-6106__

Email Address: Steve@Grandparents.com

 

    2 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

SECTION
1 - DEFINITIONS AND USAGE OF TERMS

 

For purposes of this Agreement, the following definitions will
apply:

 

Agent: means a Designated Agent, Downline Agent, Designated
Agent or Licensed Agent. The term Agent shall also include Principal unless otherwise indicated and who is ready to sell.

 

Annual Certification Process: means the mandatory training
programs, as applicable to Upline, Principal, Designated Agents, Licensed Agents and Downline Agents, and related testing for the
then current year as set forth in the Producer Guide.

 

Certified: means the status achieved based on successfully
completing the Annual Certification Process.

CMS: means the Centers for Medicare and Medicaid Services,
the agency within the Department of Health and Human Services that administers the Medicare program.

 

Complaint: means a review, investigation, proceeding,
CTM, complaint or inquiry, made by any individual, federal or state governmental authority, court or other tribunal of competent
jurisdiction regarding Upline, an Agent or Aetna, and with respect to an EGWP Product or any activities contemplated by this Agreement.

 

CTM: means a complaint identified in CMS’ complaint
tracking module.

 

Designated Agents: means, for purposes of Sales, any
licensed insurance agent or broker of any state or territory who (i) has been recruited by Downline Agent, and (ii) has entered
into an agreement with Downline Agent or is an employee of Downline Agent and shall participate in Selling.

 

Downline Agents: means, for purposes of Sales, any Licensed
Agent who (i) has been recruited by Upline, and (ii) has entered into an agreement with Upline to participate in Selling.

 

Effective Date: means the date specified on the signature
page.

 

Enrollee means a retire of a Target Customer who has signed
up for an EGWP Product offered by Aetna.

 

HIPAA: means the Health Insurance Portability and Accountability
Act of 1996, as amended from time to time.

 

    3 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

Laws: means any local, state, and federal laws, statutes,
regulations, rules, codes, ordinances, orders, decisions, licensing requirement, regulatory guidance, pronouncements, and instructions,
declarations, decrees, directives, legislative enactments, other binding restrictions or requirements of or by any governmental
authority, any interpretation of any of the foregoing by a governmental authority having jurisdiction or authority over the Parties
or any modified or supplemented version of the foregoing items, which applies to or affects the services provided or the other
obligations of the Parties hereunder. “Laws” includes, but is not limited to HIPAA, the regulations, guidance, and
instructions issued by CMS (including, but not limited to the MMG), the Medicare Improvement for Patients and Providers Act, the
False Claims Act (31 U.S.C. §§ 3729 et seq.), the anti-kickback statute (42 U.S.C. § 1320a-7b(b)), and laws or regulations
applicable to insurers, Licensed Agents and brokers.

 

Licensed Agent(s): means, for purposes of Sales, any
licensed insurance agent or broker of any state or territory who (i) is an employee of Upline who is appropriately licensed to
sell; or (ii) who has been recruited by Upline and has entered into an agreement with Upline to participate in Selling.

 

EGWP Product Enrollee: means an individual who is enrolled
in an EGWP Product pursuant to this Agreement.

 

MMG: means the Medicare Marketing Guidelines as published
annually by CMS.

 

Part D Plan(s): means those stand-alone Medicare Part
D prescription drug plans offered by Aetna, approved by CMS and available for Selling or Referring under this Agreement to an eligible
retiree of a Target Customer on a group basis.

 

Principal: means the individual who is an employee, owner,
member or partner of Upline, and appointed by Upline to act on behalf of Upline. Upline has granted such individual authority to
legally bind Upline to the terms and conditions of this Agreement. For purposes of this Agreement, Principal is Steve Leber, Upline’s
Chief Executive Officer.

 

Producer Guide: means an online guide (as updated periodically)
which contains Aetna’s rules and processes for Agents and Upline regarding Sales. The Producer Guide also includes sales
support tools and sales and distribution policies to guide Agents on the process of contracting, certifying, and managing Sales.
The Producer Guide is incorporated herein by reference.

 

Ready to Sell: means Upline, Principal or Agent, as applicable,
satisfies all of the following requirements (i) has completed and maintains compliance with all Aetna and CMS requirements for
Selling specified in the Producer Guide, (ii) is Certified, (iii) has been appointed by Aetna where required by Law, and (iv) has
received a written confirmation from Aetna specifying that Upline, Agent, Downline Agent or Designated Agent as applicable, has
completed all such requirements and may commence Selling a particular EGWP Product in a particular state, as specified therein.

 

Refer or Referral: means the transfer by a Licensed Agent
to Aetna of a Target Customer who has expressed interest in purchasing an EGWP Product but with whom a Licensed Agent was unable
to complete a Sale.

 

    4 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

Sale(s): means a completed contract with a Target Customer
relating to an EGWP Product for retirees or qualified individuals of a Target Customer that has been executed by Aetna as a direct
result of Upline’s, Principal’s, a Licensed Agent’s or a Downline Agent’s actions in compliance with this
Agreement and an individual’s completed enrollment in an EGWP Product and confirmation by CMS of such, or confirmation from
CMS that the Medicare beneficiary has chosen to remain enrolled in his/her existing EGWP Product.

 

Sell or Selling: means marketing, soliciting, offering
and/or presenting EGWP Products for a potential Sale to a Target Customer pursuant to this Agreement.

 

SECTION
2 - AUTHORIZATION

 

		2.1	Authorization of Upline. Subject to the terms and
conditions of this Agreement, Aetna hereby appoints and authorizes Upline to: (a) Sell EGWP Products to Target Customers in the
States set forth in Exhibit A through Agents; and (b) perform the duties described in this Agreement and in the Producer Guide,
as applicable, in accordance with Laws and such reasonable rules and instructions as may be provided in writing by Aetna to Upline.

 

		2.2	Limit of Authorization. Upline, and its Licensed
Agents, shall have no authority to: (a) make, alter, modify or discharge any policy or contract for Aetna; (b) extend any provision
of a policy or contract; (c) reject or make any other determination on a Target Customer’s contract or prospective EGWP
Product Enrollee’s enrollment application; (d) quote extra rates for special risks; (e) extend the time for making payments;
(f) make endorsements; (g) incur any debts or expenses for which Aetna may be liable; (h) waive, alter or amend the performance,
provisions, terms or conditions of any contract for Aetna; (i) accept or collect any applicable premiums for an EGWP Product or
money from a Target Customer; (j) adjust or settle any claim or commit Aetna to pay any loss occurring under an EGWP Product;
or (k) bind Aetna in any way. Except as permitted and/or required by this Agreement, Upline and Agents are not authorized to make
any payment to any party in connection with this Agreement or any EGWP Products.

 

		2.3	Applicability of Agreement. This scope of this Agreement
is limited to EGWP Products and associated Sales to and Referrals of Target Customers. Any other agreement between Aetna and Upline
currently in effect or subsequently entered into shall be governed by its respective terms with respect to the subject matter
therein.

 

    5 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

SECTION
3 - OBLIGATIONS OF UPLINE

 

		3.1	Generally Applicable to Sales,

 

		a.	Compliance.

 

The following provisions apply to Upline and Agents,
as applicable:

 

		(i)	Upline shall, and shall cause Agents to, adhere to Laws
and all of Aetna’s written policies, rules, and field communications applicable to Sales and Referrals of EGWP Products
(including those contained in the Producer Guide), any specific instructions provided by Aetna’s Vice President of Group
Medicare or his designee regard the Selling of and enrollment in EGWP Products, and the terms and conditions of this Agreement
(collectively referred to herein as “Aetna Requirements”).

 

		(ii)	Upline shall maintain appropriate licensure (including
agency licenses, as applicable) in accordance with Laws in each state in which an Agent is Selling. In addition, Upline shall
ensure that Agents are properly licensed in accordance with Laws in each state. Upline shall promptly notify Aetna within forty
eight hours (48) hours if Upline’s or any Agent’s license expires or is suspended or revoked.

 

		(iii)	Upline shall perform those services which are identified
in Exhibit C, which is attached hereto and incorporated herein by reference, and which services are further described in the Producer
Guide for both its Licensed Agents and Downline Agents and their Designated Agents.

 

		b.	Obligations of Upline with respect to Sales.

 

The following obligations are applicable to Upline,
Principal and Agents who are Selling or intend to Sell.

 

		(i)	In addition to other requirements set forth in this Agreement,
in order to Sell and receive compensation under this Agreement for a Sale (including subsequent Renewals) or a Referral, Principal
and any other Agent involved in the Sale or Referral must have and maintain Ready to Sell status.

 

		(ii)	Upline shall conduct periodic training programs on Selling
for its Licensed Agents and other employees. Upline shall ensure that none of its Agents Sells on Aetna’s behalf unless
such Agent is Ready to Sell.

 

		(iii)	Upline warrants it has at least three (3) Licensed Agents
directly employed by Upline who are licensed insurance agents who are properly Certified and appointed in all fifty (50) States.
During the Term of this Agreement, Upline shall continue to hire, recruit, and train Licensed Agents as needed for Sales, and
require each additional Agent to comply with all of the requirements under this Agreement.

 

    6 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(iv)	Solely with respect to the Principal, Upline agrees that
the Principal shall obtain a New York State insurance agent license to Sell the EGWP Products and shall obtain the appropriate
non-resident insurance agent licensure in the other 49 states by September 30, 2016; provided that such deadline for Principal
to secure all such licenses may be extended by one thirty (30) day extension. Upon receiving his New York health insurance agent
license, Principal shall immediately pursue all of the applicable requirements and become Ready to Sell by no later than October
1, 2016. Principal shall not engage in Selling or Refer a Target Customer to Aetna, nor shall Principal be eligible for any compensation
under this Agreement, until Principal is Ready to Sell.

 

		(v)	Upline shall obtain and maintain a copy of the following
for each Downline Agent, as applicable: (A) state insurance agent license for each state in which the Agent intends to Sell; (B)
a completed contract information sheet and hierarchy transmittal form; (C) a W-9 Request for Taxpayer ID Number; and (D) evidence
that each Agent is Certified. In addition, Upline shall provide Aetna with a copy of an executed agreement with each Downline
Agent (the “Downline Contract”). Upon request by Aetna, Upline shall submit copies of all of the foregoing documents
to Aetna, in a manner established by Aetna.

 

		(vi)	Upline agrees to work with Aetna to set up appropriate
processes for completion of any required documentation, including use of forms or the nomoreforms process for keeping track of
Agents and payments, as solely determined by Aetna including to meet compliance requirements.

 

		3.2	Downline Agent and their Designated Agents. Upline
warrants and represents that it is authorized to bind its Downline Agent(s) to comply with the terms and conditions of this Agreement
applicable to such Downline Agent(s). Upon notice to Upline and as frequently as determined by Aetna, Aetna shall have the right
to audit Upline’s payments to its Downline Agent(s) and their Designated Agents for Sales, as well as any charge backs assessed
against them.

 

		3.3	Presentation of EGWP Products for Sales.

 

		a.	Upline shall assist Agents with Selling EGWP Products.
Upline, in order to earn the Sales compensation under this Agreement, must be primarily responsible for the Sale as evidenced
by Upline’s or Principal’s designation as the Agent of Record by the Target Customer. Upline shall, and shall require
Agents, to:

 

		(i)	present EGWP Products to Target Customers in a factually
accurate manner and in accordance with Aetna Requirements;

 

		(ii)	not present the EGWP Products to groups or entities that
Upline and/or its Agent(s) know are not qualified for EGWP Products based upon CMS and/or Aetna criteria then in effect;

 

    7 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(iii)	not materially misrepresent Aetna, the EGWP Products or
Aetna’s health care delivery system; and

 

		(iv)	utilize only Aetna authorized or approved Selling materials.

 

		b.	Sales Events. If Upline or an Agent intends to conduct
a meeting or other event for a Target Customer, Upline shall provide advance written notice to Aetna’s Vice President of
Group Medicare or his designee at least ten (10) days in advance of such meeting. Upline shall not attend, conduct or participate
in such a meeting or event without providing Aetna with prior notice of any such meeting or event in accordance with Aetna Requirements
and obtaining Aetna’s consent to such meeting or event. In addition, Upline agrees to coordinate with Aetna as instructed
by Aetna’s Vice President of Group Medicare or his designee and comply with Aetna Requirements regarding the conduct of
any meeting or event with a Target Customer. Upline shall comply with any instruction by Aetna’s Vice President of Group
Medicare or his designee to discontinue or not initiate Selling with respect to a particular Target Customer for any reason including,
but not limited to, Aetna is already (directly or indirectly) pursuing the sale of an EGWP Product to such Target Customer.

 

		3.4	Complaints. Upline shall promptly report to Aetna
any Complaints of which Upline becomes aware, which shall include Complaints directed at Agents. Upline shall provide to Aetna
a copy of any Complaint. Upline shall cooperate, and shall cause its Agents to cooperate, with Aetna in the investigation and
resolution of any Complaint and in the implementation of any corrective action plan developed to respond thereto. Upon receipt
of a request from Aetna for information with respect to a Complaint, Upline shall, or shall require Agent to, respond to such
request no later than five (5) business days, or if required for Aetna to be in compliance with Laws, no later than forty-eight
(48) hours. If a Complaint is addressed to Aetna or relates to an EGWP Product, Aetna shall be solely responsible for developing
and submitting responses thereto. If a Complaint is addressed to Upline and pertains to Upline or an Agent’s sales practices
or activities not contemplated by this Agreement, Upline shall be responsible for developing a response thereto, which Upline
shall present to Aetna for its review approval before submission. Aetna shall be responsible for responding to any other Complaint.
Upline shall reimburse Aetna for any fines or penalties imposed, awarded or assessed against Aetna as result of Upline’s
or an Agent’s actions. Aetna may recoup such fines or penalties by offsetting such amounts against any compensation amounts
due from Aetna to Upline or Agents under this Agreement or other compensation due from Aetna to Upline or Agents.

 

		3.5	Inform Licensed Agents. Upline shall regularly inform
Agents through appropriate communications, including e-mails, mailings and seminars, of changes in Aetna Requirements. Upline
shall provide to Aetna a copy of any written material prepared by Upline and provided to Agents, whether provided via e-mail,
regular mail or in-person, for purposes of educating Agents on Aetna, EGWP Products and Aetna Requirements.

 

    8 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		3.6	Maintain Insurance. Upline shall maintain errors
and omissions insurance reasonably sufficient to cover any liability, but no less than the amounts specified in the Producer Guide
that shall also cover Agents. Such insurance policy must cover liability that Upline may incur as a result of Selling EGWP Products
and liability for Upline’s actions or omissions related in any way to this Agreement. For any Agents not covered by Upline’s
insurance, Upline shall require such Agents to maintain insurance in accordance with this Section.

 

		3.7	Maintenance of Records. Upline shall maintain, and
provide access to, complete and accurate records as set forth in Exhibit D (including Schedule D-l thereto), which
is attached hereto and incorporated herein by reference.

 

		3.8	Regulatory Provisions. Upline agrees that it will
comply with, and that it will require its Agents to comply with, all the provisions set forth in Exhibit D (including Schedule
D-l thereto). Upline shall place substantially similar provisions in its Downline Contracts.

 

		3.9	Appointment of Licensed Agents. Aetna and Upline
agree that Aetna may require Upline or Agent to be responsible for any fees associated with the appointment of the Agent by Aetna,
In its sole discretion, Aetna may refuse to appoint, refuse to grant Ready to Sell status, or discontinue or terminate the appointment
of any Licensed Agent, or any Downline Agent and their Designated Agents at any time. In the case of termination, Aetna will comply
with any written notice requirements of applicable state law.

 

		3.10	Upline and Agent Actions.

 

		a.	Upline shall notify Aetna within ten (10) calendar days
upon becoming aware of any information about Upline, or an Agent as to items (i), (ii), (iii), (iv), (v), (viii) (ix) and (x)
below. Further, upon notice from Aetna, Upline shall, as applicable, promptly cease, or prohibit such Agent from, Selling or Referring,
if Aetna determines Upline or such Agent:

 

		(i)	Is or has been charged with criminal conduct;

 

		(ii)	Is excluded from the Medicare program or any other federal
or state health care program;

 

		(iii)	Violated a law, regulation or CMS guidance regarding the
marketing, offering or sale or distribution of Medicare plans or products;

 

		(iv)	Intentionally or recklessly misrepresented the provisions,
benefits or any details in regards to an EGWP Product;

 

		(v)	Acted in a mannter that is materially detrimental to Aetna,
as determined by Aetna in its sole discretion.

 

    9 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(vi)	Caused an unacceptable number of CTMs as determined by
Aetna in Aetna’s sole discretion;

 

		(vii)	Has an unacceptable number of Rapid Disenrollments, Target
Customer applicant cancellations of enrollments in EGWP Products prior to the effective date of coverage, and/or material number
of disenrollments in EGWP Products by the EGWP Product Enrollee, as determined by Aetna, in Aetna’s sole discretion;

 

		(viii)	Failed to cooperate as determined solely by Aetna, in an
investigation of a Complaint;

 

		(ix)	Appeared on the “Specially Designated Nationals”
or “Blocked Persons List” published by the Office of Foreign Assets Control of the Department of Treasury; or

 

		(x)	Requested compensation for a Sale that Upline or Agent
did not Sell.

 

SECTION
4 - OBLIGATIONS OF AETNA

 

		4.1	Duty to Pay. For Sales and Referrals that comply
with the terms and conditions of this Agreement, Aetna shall make payment directly to Upline in accordance with Exhibit B.

 

		4.2	Monitoring by Aetna. Aetna shall monitor all responsibilities
performed by Upline on an ongoing basis. Aetna is ultimately responsible to CMS for the performance of all services under this
Agreement.

 

		4.3	Changes in EGWP Products. Aetna will provide written
notice to Upline of any changes to EGWP Products either within fifteen (15) days of CMS approval of such changes or ten (10) days
prior to the annual enrollment period.

 

		4.4	General Obligations of Aetna. Aetna shall be responsible
for the following:

 

		a.	Creating and furnishing to Upline all marketing materials,
which could include materials Upline has to print, for the EGWP Products and obtaining any required CMS approval for such marketing
materials;

 

		b.	Completing the contract and close the Sale with a Target
Customer from the Sales activity of Upline or Agents, including processing enrollment applications and submitting them to CMS,
enrolling qualified applicants in EGWP Products upon verification from CMS, and issuing required policies, certificates, ID cards
and correspondence;

 

		c.	Billing and collecting all premiums from Target Customers
and/or EGWP Product Enrollees, as applicable, in accordance with CMS requirements; and

 

    10 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		d.	Notifying Upline of any Target Customers that Upline and/or
its Agents should not target to Sell due to Aetna’s prior or current involvement including but not limited to other Aetna
representatives or other agent/broker actions that have/are taking place or are in progress with respect to any such Target Customer.

 

		4.5	Aetna may also implement certain remedial actions from
time-to-time to address inappropriate behavior by Upline, Principal, or any other Agent. These actions may include verbal warnings,
written warnings, addition of Upline, its Agents of Upline to Aetna’s agent oversight watch list, focused education of Upline,
Principal, Agent, direct oversight (e.g., ride-along assessment), re-training and re-testing on relevant criteria, commission
holds and probationary periods in accordance with the terms of this Agreement. Aetna may also report Upline, Principal or Agent
to CMS and/or the applicable state Departments of Insurance, as appropriate.

 

SECTION
5 - MEMBERSHIP

 

		5.1	No Rolling of Membership. Upline agrees that it
will not induce, or attempt to induce for Upline’s own benefit any EGWP Product Enrollee to terminate its relationship with
Aetna. This provision shall survive termination of this Agreement.

 

SECTION
6 - COMPENSATION

 

		6.1	Upline Compensation.

 

		a.	During the Term of this Agreement, Aetna will pay compensation
for all completed Sales, as described herein and as further detailed in Exhibit B. With respect to completed Sales made by Downline
Agent, Upline shall compensate the Downline Agent in accordance with the applicable Downline Contract. Upline agrees that if it
retains any fees from the compensation due a Downline Agent as consideration for Upline’s administrative services, including
for those services set forth on Exhibit C, Upline shall fairly compensate the Downline Agent and only retain an amount that is
fair market value for Upline’s services. Aetna may recoup, by means of an offset or otherwise, any compensation paid to
Upline that was not in accordance with the requirements of this Agreement or Aetna Requirements.

 

		b.	Downline Agent and Designated Agent Compensation.
Upline acknowledges and agrees that Upline is solely responsible for compensating its Downline Agent(s) and their Designated Agents
for any Sales. Upline agrees that such compensation is subject to and shall comply with Laws (including CMS requirements related
to the compensation of agents/brokers). Upline hereby represents that it has the authority to receive and accept compensation
payments on behalf of its Downline Agent(s) and their Designated Agents. Upline shall disclose to Aetna any compensation or performance
based compensation based on Sales as needed by Aetna or as required by Law for Aetna’s reporting purposes. To the extent
Aetna applies an offset, chargeback or reduction to compensation paid to Upline for a Sale by a Downline Agent, Upline shall apply
the same offset, chargeback or reduction to the Downline Agent, as applicable.

 

    11 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		c.	Aetna will pay compensation for completed Renewals in
accordance with the terms set forth in Exhibit B while this Agreement is in effect, and if the Agreement is terminated by a Party
without cause. However, in order to receive compensation for a Renewal, Upline must comply with the requirements set forth in
this Agreement, including all requirements in Exhibits B and C. In addition, if Upline or its Licensed Agents target (i) any of
Aetna’s existing EGWP customer business, or (ii) target and move any of Aetna’s existing group business to another
carrier or product, Aetna shall not pay any Renewals for any completed sales that are subject to completed Renewals. Further,
as a penalty for Upline moving any business from Aetna, Upline shall owe Aetna three (3) years of fees as set forth in Exhibit
B subsection A paragraph 2 for such customer based on the total number of EGWP Product Enrollees who were enrolled in such group
customer’s product at the time it was terminated and moved. .

 

		d.	Following termination of this Agreement, if an EGWP Product
Enrollee or Target Customer contacts Upline or one of its Agents seeking advice on EGWP Products, Upline or Agent shall direct
such EGWP Product Enrollee or Target Customer to Aetna’s customer service. Should Upline or Agent fail to do so, Aetna may,
in its sole discretion, terminate payment of compensation for Renewals applicable to such EGWP Product Enrollee.

 

		e.	Where Upline, Principal or Agent involved in a Sale ceases
to be Ready to Sell for any period during which compensation would be payable with respect to a Renewal (“Lapsed Period”)
compensation shall not be payable on such Renewal during the Lapsed Period. In the event Upline, Principal or Agent, as applicable,
subsequently becomes Ready to Sell to, no retroactive compensation shall be payable by Aetna, but Upline, Principal or Agent,
as applicable shall be eligible to earn compensation for Renewals again beginning the first day of the month following the end
of the Lapsed Period, however no Initial Fee (as defined in Exhibit B) shall be payable for new enrollments received after the
original effective date of a Target Customer’s group EGWP Product policy. -

 

		6.2	Electronic Payment. In general, all compensation
due under this Agreement will be made by electronic fund transfer. Upline must execute all documents reasonably necessary for
Aetna to effectuate electronic fund transfers into Upline’s bank account. Aetna may decline, in its sole discretion, to
pay compensation to Upline until such documentation is fully and accurately completed and Upline’s bank accepts such fund
transfers.

 

    12 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		6.3	Adjustment of Compensation. Aetna may adjust the
compensation in Exhibit B upon thirty (30) days’ prior written notice to Upline, or sooner if there is a change in Laws
affecting such compensation.

 

		6.4	Compensation Paid in Error.

 

		6.4.1	In the event Aetna pays compensation to Upline due to error,
regardless of the Party responsible for the error, Aetna may collect such amount thereof directly from Upline, or offset any future
compensation owed to Upline, within twenty four (24) months of discovering the erroneous payment. Aetna shall provide Upline with
information supporting the amount of any offset taken pursuant to this provision.

 

		6.4.2	In the case of an underpayment, Aetna shall pay such amount
due to Upline; provided, however, that: Aetna is not required to pay any amount due to Upline if (a) in the case of an underpayment
or no payment, Upline does not notify Aetna of such underpayment within twenty four (24) months of the date of the underpayment
or (b), for a missing payment, Upline does not notify Aetna of the missing payment within twenty four (24) months of the Target
Customer’s EGWP Product Enrollee’s policy effective date. If Aetna has initiated a collection related to compensation
overpayment within the twenty four (24) month period described in the preceding section, then there shall be no time limit, subject
to State law, on Aetna’s ability to pursue collections. The twenty four (24) month limitation on Aetna’s ability to
recoup or offset erroneous compensation (as described in 6.4.1 above) shall not apply, and there shall be no time limitation on
Aetna’s ability to recoup or offset amounts (i) in cases of fraud or violation of Laws by Upline or its Licensed Agents
or (ii) related to a determination by CMS that a person was improperly enrolled or not enrolled in an EGWP Product. In instances
where Upline or Agent was paid compensation that was in violation of Laws or which involved fraud, Aenta also shall have the right,
without time limitation, to offset any amounts due from Upline to Aetna under this Agreement against any amounts payable to Upline
under this Agreement or otherwise. These rights are in addition to any other rights or remedies Aetna may have under this Agreement
or otherwise.

 

		6.5	Termination of an EGWP Product. In accordance with
Laws, Aetna may terminate EGWP Product policies then in effect, and Aetna shall have the sole right at all times to reject any
applications for EGWP Products. Aetna shall recoup or offset any amounts owed to Aetna by Upline (including future compensation)
with respect to the time periods during which the EGWP Product policy was not in effect. Notwithstanding the foregoing, retroactive
terminations of an EGWP Product Enrollee’s coverage under any EGWP Product policy shall comply with Laws and the applicable
terms and conditions of the coverage.

 

    13 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		6.6	Direct Sales. In no event will any compensation
for an Initial EGWP Sale that is completed as defined in Exhibit B be paid to Upline on Sales made by anyone other than Upline
or its Agents. No payment shall be made for an EGWP Sale if Upline (or its Principal or Licensed Agent) is not the Agent of Record.

 

		6.7	Rapid Disenrollment. Unless otherwise permitted
by CMS guidance, if an EGWP Product Enrollee disenrolls or is disenrolled from an EGWP Product within three months of his or her
enrollment in an EGWP Product (a “Rapid Disenrollment”), no compensation shall be paid by Aetna to Upline or
for that Sale. If compensation is paid by Aetna for a Sale, and a Rapid Disenrollment thereafter occurs, then Upline shall refund
such compensation paid by Aetna for each such enrollee. Aetna may deduct any compensation amounts paid to Upline for a Rapid Disenrollment
from amounts Aetna otherwise owes to Upline. In order to not be a Rapid Disenrollment, the newly enrolled EGWP Product Enrollee
must remain enrolled with Aetna into the fourth month, i.e., if the individual enrolled with Aetna on January 1, the individual
must still be enrolled with Aetna on April 1 of the same calendar year. An enrollment that occurs during the fourth quarter of
a calendar year is also not considered a Rapid Disenrollment if such individual remains enrolled through the end of the same calendar
year. In addition, no recoupment, chargeback, refund or deduction shall be made if CMS guidance permits payment of compensation
for such Rapid Disenrollment with respect to the period that the EGWP Product Enrollee was actually enrolled.

 

		6.8	EGWP Product Changes. In the event that an EGWP
Product Enrollee changes Aetna plans, compensation shall be payable (or not payable) in accordance with Exhibit Bas a Renewal.

 

		6.9	Offsets. At any time, either before or after the
termination of this Agreement, Aetna shall have the right to offset any amounts due from Upline to Aetna under this Agreement
or otherwise against any amounts payable to Upline or its Agents. Aetna may utilize debt collection services and/or agent accreditation
services for purposes of collecting debts of Agents or Upline, the costs of which shall be borne by Upline. These rights are in
addition to any other rights or remedies Aetna may have under this Agreement or otherwise.

 

		6.10	Suspension of Payments. Aetna may suspend payments
of any kind to Upline and its Agents if Upline fails to comply with the requirements of this Agreement, is the subject of or involved
in any Complaint, or fails to cooperate in Aetna’s investigation of a Complaint. Aetna shall provide Upline and Agent with
notice of such suspension and such suspension shall remain in effect until the resolution of the issue that caused the suspension.
If this Agreement is terminated with cause by Aetna during a suspension of payments, Aetna will cease paying any unpaid and future
compensation both for Initial EGWP Sales and Renewals.

 

    14 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		6.11	No Additional Payment. Upline’s only form
of compensation for Sales to or Referrals of Target Customers for EGWP Products shall be the compensation set forth in Exhibit
B. Upline and Agents are prohibited from charging any Target Customer or EGWP Product Enrollee any fee or charge whatsoever
in connection with an EGWP Product under this Agreement.

 

SECTION
7 - MARKETING MATERIALS

 

		7.1	Promotional Material. Upline shall not broadcast,
publish, advertise or otherwise distribute any material not originated by Aetna or referring to Aetna or the EGWP Products, or
other insurance policies or products issued by Aetna or any of its affiliates, unless and until such material has been (a) submitted
to Aetna for review and (b) approved by Aetna in writing. Aetna will approve or disapprove such promotional materials in writing
within a reasonable time after submission (such time will include review and approval by CMS, where required).

 

		7.2	Upline Marketing and Printing. Upline shall pay
all expenses of operating its distribution channels. Costs for EGWP Product marketing materials shall be allocated as follows:

 

		7.2.1	Aetna shall furnish to Upline and Licensed Agents, at Aetna’s
expense, all standard EGWP Product forms, applications, and marketing materials that Aetna develops and utilizes for its own marketing
of such products. Such materials shall be provided in reasonable amounts, as determined by Aetna in its sole discretion, upon
a request by Upline or Licensed Agents.

 

		7.2.2	Any custom forms, applications, over-prints or marketing
materials requested and submitted to Aetna by Upline or an Agent, and approved by Aetna pursuant to this Section 7, shall be printed
and distributed at Upline’s or Agent’s expense, unless otherwise agreed to by Aetna.

 

		7.3	Ownership of Marks. The name, trade names, trademarks,
graphics, trade devices, service marks, insignias, symbols, codes, logotypes, logos, and other brand elements (collectively, the
“Marks”) and any advertising materials of a party are and at all times shall remain the property of the respective
party (“Owning Party”). The non-Owning Party shall not use any such advertising materials or Marks without
the prior written consent of the Owning Party, and shall otherwise use all such materials and Marks only in accordance with this
Section 7. For the avoidance of doubt, neither Upline nor any affiliate of Upline may use Aetna’s names or Marks (including
logos), or market or mention any Aetna Medicare Advantage plans or Aetna Part D plans or EGWP Products on any website or other
online digital assets, without obtaining Aetna’s prior written consent through the appropriate process outlined in the Producer
Guide.

 

    15 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		7.4	Co-Branding. In order to co-brand with Aetna, Upline
must obtain Aetna’s prior written consent. To the extent that Upline engages in co-branding with Aetna, the following provisions
shall apply:

 

		a.	Advertising and marketing campaigns, events and activities.
The Parties may engage in various means of featuring Aetna’s products and/or services in print or other advertising/communications
media, subject to the applicable filing and/or approval processes described in Section 7. Such advertising and marketing may also
include permissible promotion of co-marketed educational and wellness programs. The Parties shall cooperate in the development
of any campaign, event or activity designed to promote Aetna’s products in any way, directly or indirectly. This includes
educational campaigns, events or activities designed to educate prospective or existing Aetna members. At all times, Upline shall
obtain Aetna’s advance written approval for a campaign, event or activity. The Parties acknowledge and agree that it is
in the best interest of Aetna and Upline for Aetna to be involved in the early stages of any campaign, event or activity development
so that Aetna may conduct any analysis it deems necessary and approve or disapprove of a campaign, event or activity proposal
before significant resources are expended by either Party in its development.

 

		b.	Regulatory Compliance. The Parties agree and acknowledge
that all promotional and outreach activities undertaken under this Agreement shall comply with Laws (including, but not limited
to, the MMG and HIPAA).

 

SECTION
8 - TERM AND TERMINATION

 

		8.1	Term and Without Cause Termination. This Agreement
shall be effective as of the Effective Date for an initial term of one (1) years (“Initial Term”), thereafter, this
Agreement shall automatically renew for additional one (1) year terms (“Renewal Term”)(collectively Initial Term and
Renewal Term shall be referenced as ‘Term” and shall continue until terminated in accordance with the terms of this
Agreement). After the Initial Term, this Agreement may be terminated by a Party with at least ninety (90) days advance written
notice to the other Party at any time during the Term.

 

		8.2	Termination for Breach; Remedial Actions.

 

		8.2.1	Except for those defaults specified in Section 8.4 and
8.5 for which no cure period is provided, if either Party defaults in the performance of any of its duties or obligations under
this Agreement, the non-breaching party may terminate this Agreement upon fifteen (15) days prior written notice to the breaching
party; provided, however, that the breaching party shall have the opportunity during the fifteen (15) day notice period to cure
such breach, or, if Aetna is the non-breaching party, at Aetna’s option, the breaching party shall have the opportunity
to agree to a performance improvement plan which is designed to cure the breach to Aetna’s satisfaction (“Corrective
Action Plan”). If the breaching party fails to cure the breach and the Parties do not agree to a Corrective Action Plan,
this Agreement shall automatically terminate on the 16th day from the date of initial termination notice, without further action
of either Party being required. If the implementation of the Corrective Action Plan fails to cure the breach within the time set
forth in the Corrective Action Plan, Aetna may terminate this Agreement upon fifteen (15) days’ prior written notice to
Upline without providing an additional opportunity to cure. Any notice of termination delivered by a non-breaching party under
this Agreement shall specify the nature of the alleged default or breach underlying the termination.

 

    16 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		8.2.2	Agent Oversight. Aetna may terminate this Agreement in
the event that Upline fails to have at least three (3) Licensed Agents, and/or if Upline fails to provide a minimum level of services
and compliance oversight as required by Aetna and CMS over its Agents, as set forth in this Agreement and the Producer Guide and
Upline is unable to cure such failure within thirty (30) days of receipt of written notice from Aetna, which time frame may be
extended by Aetna, in its sole discretion.

 

		8.2.3	Aetna may terminate this Agreement upon thirty (30) days
prior written notice in the event Principal fails to cure any violation of the requirements of Section 3.1(b)(iv), Obligations
of Upline, with respect to Sales, prior to the expiration of such 30 day notice period.

 

		8.2.4	Aetna may terminate this Agreement if Upline fails to comply
with any remedial actions or alter/remedy any behaviors, warnings, education or other action directed by Aetna within thirty (30)
days of Upline receiving notice of same.

 

		8.2.5	If Upline, an Agent or Principal commits any of the actions
set forth in 3.1, Aetna shall have the right to terminate this Agreement in accordance with Section 8.2.1 or Section 8.3, as applicable.

 

		8.3	Immediate Termination of this Agreement with Cause by
Aetna. This Agreement may be terminated by Aetna immediately for cause upon the occurrence of any of the following:

 

		8.3.1	Upline’s exclusion from the Medicare Program or any
other federal or state health benefit program;

 

		8.3.2	Upline’s or its Principal’s appropriate license
being suspended, revoked, or not renewed in a state in which Upline is performing services under this Agreement on behalf of Aetna.

 

		8.3.4.	8.3.3     Any
charges or indictments for an act of embezzlement, theft, fraud or dishonesty, and any felony charges or indictments of Upline
or Principal that Aetna in its sole discretion determines would affect its reputation; An assignment of this Agreement by Upline
in violation of Section 10.4 hereof;

 

    17 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		8.3.5	Upline’s material violation of any law, regulation
or CMS guidance in the opinion of Aetna regarding the marketing or distribution of EGWP Products;

 

		8.3.6	Upline intentionally or recklessly misrepresents or induces
any broker, agent or producer to intentionally misrepresent the provisions, benefits or premiums of any EGWP Product;

 

		8.3.7	Upline causes an unacceptable number of CTMs as determined
by Aetna in its sole discretion;

 

		8.3.8	Upline appears on the Specially Designated Nationals or
Blocked Persons List published by the Office of Foreign Assets Control of the Department of Treasury;

 

		8.3.9	If required by Aetna, Upline’s failure to timely
provide an annual attestation concerning compliance with first tier, downstream, and related entities requirements; or

 

		8.3.10	Upline or its Agents made reckless, false, or misleading
statements concerning Aetna, its EGWP Products, the amount of compensation for Sales, or there are actions with a Target Customer(s)
which have the potential to cause Aetna either a compliance issue/action, the loss of good will, or other business with such Target
Customer at Aetna’ sole discretion.

 

		8.4	Immediate Termination of the Agreement with Cause by
Upline. This Agreement may be terminated by Upline immediately for cause upon the occurrence of any of the following:

 

		8.4.1	If Principal does not get his license by date set forth
in Section 3.1(b)(iv).

 

		8.4.2	Aetna’s criminal conduct or exclusion from the Medicare
Program or any other federal or state health benefit program;

 

		8.4.3	Aetna’s license being suspended, revoked or not renewed
in a state in which Aetna is offering a EGWP Product;

 

		8.4.4	Any act of embezzlement, theft, fraud or dishonesty by
Aetna or any affiliate of Aetna; or

 

		8.4.5	An assignment of this Agreement by Aetna in violation of
Section 10.4 hereof.

 

		8.5	Automatic Termination. This Agreement shall automatically
terminate upon the occurrence of (a) a Party’s inability to pay debts as they mature, making an assignment for the benefit
of creditors, or becoming the subject of a bankruptcy, insolvency or similar proceeding; or (b) a Party dissolves or is disqualified
to do business under applicable state or federal law.

 

    18 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		8.6	Termination of Contract with CMS. This Agreement
shall automatically terminate as of the date Aetna’s last contract with CMS is terminated or non renewed (by either CMS
or Aetna).

 

		8.7	Change of Control; Asset Transfer. For purpose of
this Section 8.6, “Change of Control” means “an effective transfer of fifty percent (50%) or more ownership
of Upline or any of Upline’s affiliates, where Upline and Upline’s affiliates, if any, are entities and not individuals.”
For purposes of this Section 8.6, “Asset Transfer” shall mean “the effective sale or transfer of fifty percent
(50%) or more of the assets of Upline or Upline’s affiliates.” Upon a Change of Control, Upline shall provide Aetna
with written notice promptly following the public announcement of the Change of Control, which notice shall include sufficient
evidence demonstrating such Change of Control or applicable state filings showing the effective date of the Change of Control.
Upon receipt of such notice, Aetna, at its discretion, may either acknowledge the terms of the documentation provided by Upline
or Upline’s affiliates, as applicable, evidencing the Change of Control or terminate this Agreement upon thirty (30) days
written notice, or sooner at Aetna’s sole discretion. Notwithstanding the foregoing, Aetna shall determine, in its sole
discretion, whether the evidence provided by Upline or Upline’s affiliate, as applicable, is sufficient documentation of
a Change in Control for purposes of compliance with the notice requirements of this Section 8.7.

 

Upon an Asset Transfer, Upline shall provide Aetna
with written notice promptly following the public announcement of the Asset Transfer. An Asset Transfer shall be subject to the
restrictions on assignment contained in Section 10.4 of this Agreement.

 

		8.8	Notice of Insolvency, Bankruptcy or Reorganization.
Each Party shall provide prompt notice to the other Party of any filing for insolvency, bankruptcy, reorganization, dissolution,
liquidation or winding down, or the institution of such or similar proceedings by or against a Party.

 

SECTION
9 - CONFIDENTIALITY

 

		9.1	Confidential Information. In order for the parties
to perform their respective obligations under this Agreement, it may be necessary or desirable for one party (“Disclosing
Party”) to disclose Confidential Information (hereinafter defined) to the other party (“Receiving Party”).
Receiving Party agrees that, except as required by Laws, neither it nor any of its employees or Licensed Agents will at any time,
either during or subsequent to the term of this Agreement, disclose to others, use, copy or permit to be copied, without the express
prior written consent of the Disclosing Party, Confidential Information of the Disclosing Party. Receiving Party agrees that any
such Confidential Information disclosed to it, its employees, or Licensed Agents shall be used only in connection with the legitimate
purposes of this Agreement (or a more limited purpose as specified in writing at the time of disclosure), shall be disclosed only
to those who have a need to know it, and shall be safeguarded with the same care normally afforded such confidential information
in the possession, custody or control of Receiving Party, provided, however, that such care shall be no less than reasonable care
necessary to safeguard the Confidential Information. Each party shall retain full ownership rights to its respective Confidential
Information and nothing herein shall be construed as granting a Receiving Party any rights or ownership interests in Confidential
Information shared by a Disclosing Party.

 

    19 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

“Confidential Information” shall mean
the information of Disclosing Party that relates to Disclosing Party’s past, present or future research or development activities,
business operations, technical information, products or financial condition, which is considered proprietary or confidential to
Disclosing Party (whether or not such information is marked “proprietary” or “confidential”), or by its
nature would be considered confidential, in any form disclosed. For the avoidance of doubt, Confidential Information shall include
the compensation fees set forth in Exhibit C, as well as information about Aetna products that are pending CMS approval.

 

The foregoing shall not apply when, after and to the
extent the Confidential Information disclosed (i) becomes generally available to the public through no fault of Receiving Party;
(ii) is subsequently received by Receiving Party in good faith from a third party without breaching any confidentiality obligation
between the third party and Disclosing Party; or (iii) is required by Laws to be disclosed; provided, however, Receiving Party
shall notify Disclosing Party prior to disclosure of any Confidential Information as required by Laws so that Disclosing Party
may seek an appropriate protective order or other remedy and shall only disclose the minimum amount of Confidential Information
necessary to comply with Laws.

 

The failure of either Party to comply with the provisions
of this Section 9.1 shall be a material breach of this Agreement. Each Party agrees and acknowledges that the restrictions contained
in this Section 9.1 are reasonable and necessary to protect the legitimate business interests of the Disclosing Party and that
any violation thereof would result in irreparable harm to the Disclosing Party. Accordingly, in the event of an actual or threatened
breach of the obligations contained in this Section 9.1, the Disclosing Party is entitled to seek injunctive relief or other equitable
remedy or damages in addition to those remedies provided under this Agreement to protect the confidentiality of Disclosing Party’s
Confidential Information.

 

Upon termination of this Agreement, each Receiving
Party shall, upon request of the Disclosing Party, return or destroy any Confidential Information of the Disclosing Party held
by the Receiving Party, its employees and Licensed Agents. Each Party agrees and acknowledges that compliance with this Section
9.1 is a continuing obligation and the confidentiality obligations contained herein shall survive the termination of this Agreement.

 

    20 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		9.2	Business Associate Agreement. Upline agrees to comply
with the business associate requirements set forth in Exhibit E, which is attached hereto and incorporated herein by reference.

 

SECTION
10 - MISCELLANEOUS

 

		10.1	Independent Contractor. Nothing contained herein
shall be construed to create the relationship of employer and employee, partners or joint ventures between the parties hereto.
Upline and its Agents shall be free to exercise its and their independent judgment in the performance of this Agreement, subject
only to the terms hereof and the written rules established by Aetna, and agreed to by Upline, from time to time.

 

		10.2	Compliance with Laws and Policies and Procedures.
Upline and Aetna shall at all times comply with Laws. Upline shall comply with all written policies and procedures established
by Aetna as have been provided to Upline (including those contained in the Producer Guide) and as may be amended from time to
time (of which amendments Upline shall be informed on a periodic basis).

 

		10.3	Non-Waiver of Covenants. Should Aetna or Upline
at any time fail to insist upon a strict performance of each and every provision of this Agreement incumbent upon the other to
be kept and performed or fail to adhere strictly to the terms and provisions hereof, or to any one of them, such failure shall
not be construed as a waiver of the party’s right to thereafter insist upon strict performance or seek enforcement of all
the terms and provisions of this Agreement.

 

		10.4	Assignment. This Agreement is not assignable by
Upline without the prior written consent of Aetna. Upline may not assign compensation paid under this Agreement except as is set
forth herein to a Downline Agent. Aetna may assign this Agreement to an affiliate or to a successor in interest.

 

		10.5	Contract Interpretation. If any section, clause,
paragraph, term or provision of this Agreement shall be found to be void and unenforceable by any court of competent jurisdiction,
such finding shall have no effect upon any other section, clause, paragraph, term or provision of this Agreement and the same
shall be given full force and effect.

 

		10.6	Notice. Whenever notice is to be given by either
party to the other, it must be done in writing by U.S. Mail, overnight delivery, or facsimile to the parties at the address set
forth on the signature page or for notices to Upline only, to the email address for Upline set forth on the signature page. All
notices are duly given: (i) when deposited in the U.S. mail or with a national overnight courier service (such as Federal Express),
(ii) upon transmittal of a facsimile transmission to the recipient Party at the facsimile number designated; or (iii) in the case
of notices to Upline, upon transmittal of an email transmission to the designated email address for Upline. If Aetna’s notice
address changes, Aetna will inform Upline of its changed address by providing notice consistent with this Section 10.6. If Upline’s
address or other contact information changes, Upline will promptly notify Aetna of such changed address or contact information
in accordance with the instructions set forth in the Producer Guide.

 

    21 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		10.7	Indemnity.

 

		a.	Upline shall indemnify Aetna (and any officer, director,
employee, shareholder, affiliated companies, representative or agent of Aetna) from and against any and all losses, claims, damages,
or liabilities, including any and all investigative, legal, and other expenses (including reasonable attorneys’ fees and
amounts paid in settlement) (“Losses”) suffered, incurred, or sustained by Aetna or to which Aetna becomes
subject resulting from, arising out of or relating to any claim as a result of any of the following by Upline, Principal or an
Agent: (i) breach of this Agreement, (ii) any negligence, intentional wrongful acts or omissions, in performance of, or failure
to perform, an obligations under this Agreement, (iii) an actual or alleged direct or indirect omission or commission that causes
Aetna to violate any Laws; (iv) any dispute involving any of Upline, Principal or another Agent; or (v) an action by any Agent
for compensation in connection with a Sale or Renewal; (vi) any representation that is misleading, reckless or false . Notwithstanding
the foregoing, Upline shall not be responsible for Losses to the extent any such Losses are found in a final judgment by a court
of competent jurisdiction to have resulted directly and solely from Aetna’s fraud, criminality or willful misconduct.

 

		10.8	Disputes. The Parties agree to act in respect of
all matters related to this Agreement in good faith. If Aetna and Upline cannot mutually resolve a dispute which arises out of
or relates to this Agreement, the dispute shall be decided through binding arbitration. To initiate arbitration, either Aetna
or Upline shall notify the other party in writing of its desire to arbitrate, stating the nature of its dispute and the remedy
sought. The party to which the notice is sent shall respond thereto in writing within ten (10) days of its receipt of such notice.
In such response, the party shall also assert any claim, defense and other dispute it may have which arises out of or relates
to this Agreement. Either party may file the dispute with American Arbitration Association under the Commercial Arbitration Rules.
Those rules will apply to the proceedings except as amended in this Agreement. The arbitration hearing shall be held before a
panel of three arbitrators, each of whom must be an arbitration panelist from American Arbitration Association and have experience
in health insurance or health insurance sales and marketing. Aetna and Upline shall each appoint one arbitrator by written notification
to the other party within 30 days of the date of the mailing of the notification initiating the arbitration. These two arbitrators
shall then select the third arbitrator. Should the two arbitrators be unable to agree upon the choice of a third arbitrator, each
party to this Agreement will appoint another arbitrator and the process shall be repeated until a third arbitrator is appointed.
Once the entire panel is chosen, the arbitrators are empowered to decide all substantive and procedural issues by majority vote.
The arbitration hearing shall be held in Philadelphia, Pennsylvania or Hartford, Connecticut, at Aetna’s option, unless
otherwise agreed. The arbitrators shall establish procedures warranted by the facts and issues of the particular case and the
parties agree to abide by such procedures but discovery, if allowed by the arbitrators, shall be limited to five depositions per
side and ten document requests. The decision of the arbitrators shall be final and binding upon the parties without appeal. Cost
and fees of the arbitrators shall be borne equally by the parties, unless otherwise awarded by the arbitrators to the prevailing
party. Notwithstanding any other provision of this Agreement, neither party is required to arbitrate any issue for which injunctive
relief is sought, and neither party shall be required to arbitrate any issue whatsoever in the event that the other party becomes
subject to the appointment of a receiver, liquidator, conservator or trustee or a state insurance regulatory authority in such
capacity.

 

    22 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		10.9	Governing Law and Venue. This Agreement shall be
governed by the laws of the Commonwealth of Pennsylvania without regard to its conflict of laws provisions. Venue for any action
shall be in a court located in Philadelphia, Pennsylvania.

 

		10.10	Titles and Headings. Titles and headings for the
paragraphs, subparagraphs or sections herein are for convenience only, are not part of this Agreement, and shall not define or
limit any of this Agreement’s terms.

 

		10.11	Survival. The following sections of this Agreement
shall survive the termination of this Agreement: 1, 2.3, 3.1(a), 3.1(b), 3.2, 3.4, 3.5„ 3.6, 3.7, 3.8, 3.9, 3.10,4.1, 5.1,
6.1, 6.2, 6.3, 6.4, 6.5, 6.7, 6.8, 6.9, 6.9, 6.10, 6.11, 7.3, 7.4, 8.6, 8.7, 9,10.2,10.3, 10.4,10.5,10.6, 10.7, 10.8,10.9,10.10,10.11,
10.12,10.15,10.16,10.17,10.18, Exhibit B, Exhibit C, and Exhibit D (including Schedule D-l thereto). Further, the parties agree
that any provision which survives termination may be amended following termination, in accordance with Section 10.14.

 

		10.12	Legal Actions Against Target Customers. Upline shall
not institute legal proceedings against any Target Customer for any cause arising out of the business transacted under this Agreement
unless Aetna shall have been notified in writing of such action or the proposed action prior to or simultaneously with the institution
of such legal proceedings.

 

		10.13	Subcontractors and Delegates. Except as expressly
provided in this Agreement, Upline shall not subcontract or delegate any functions under this Agreement without the prior written
consent of Aetna. Aetna may delegate performance of all or any part of this Agreement to one or more affiliates without notice
to or consent of Upline.

 

		10.14	Amendment. Except as otherwise provided herein (including,
without limitation, Section 6.2), this Agreement may be amended upon (i) the written agreement of both parties, or (ii) by Aetna,
upon thirty (30) days prior written notice to Upline of the amendment. In order to comply with Laws, Aetna may amend this Agreement
immediately upon notice to Upline.

 

		10.15	Entire Agreement. This Agreement, including all
appendices and schedules attached hereto, constitutes the entire contract between the parties with respect to the subject matter
hereof and supersedes all prior and contemporaneous agreements, express or implied, oral or written, of any nature whatsoever
with respect to the subject matter hereof.

 

    23 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		10.16	Principal. Upline hereby represents and warrants
that Upline has the authority to execute this Agreement on behalf of Principal, and bind Principal to the terms and conditions
hereof

 

		10.17	Use of Target Customer or Medicare Beneficiary Information.
Without prior written approval from Aetna, Upline may not use information it or its Licensed Agents obtain from Sales of Aetna’s
EGWP Product to prospective Target Customers or to their potential enrollees information with respect to an EGWP Product Enrollees
except for rendering services permitted under this Agreement or for providing the EGWP Product information about other Aetna products.

 

		10.18	Waiver of Multi-Plaintiff, Class, Collective and Representative
Actions. Except where prohibited by federal law, covered claims must be brought on an individual basis only, and arbitration
on an individual basis is the exclusive remedy. Neither Upline nor Aetna may submit a multi-plaintiff, class, collective or representative
action for resolution under this Agreement, and no arbitrator has authority to proceed with arbitration on such a basis. Upline
may not participate as a member or representative in any multi-plaintiff, class, collective or representative action against Aetna,
and are not entitled to any recovery in such an action in any forum. Any disputes concerning the validity of this multi-plaintiff,
class, collective and representative action waiver will be decided by a court of competent jurisdiction, not by the arbitrator.
In the event this waiver is found to be unenforceable, then any claim brought on a multi-plaintiff, class, collective or representative
basis must be filed in a court of competent jurisdiction, and such court shall be the exclusive forum for all such claims.

 

[Remainder of page left intentionally blank.]

 

    24 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

Exhibit A

States for Sales

 

Upline and its Licensed Agents and its Downline Agents and their
Designated Agents may provide Sales services as set forth in this Agreement in the following States:

 

All States where Upline and its Agents are Ready to Sell

 

Upline may not Sale or conduct activities under this Agreement
in the following States:

 

intentionally Left Blank

 

    25 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

Exhibit B

Compensation

 

		A.	Compensation for Sales

 

1.          Initial
EGWP Sales. Aetna shall pay Upline a per member fee for each completed Initial EGWP Sale for new individuals confirmed by CMS
to be an EGWP Product Enrollee enrolled in an Aetna EGWP Product (“Initial Fee”) as follows:

 

	[***]	[***]
	[***]	[***]
	[***]	[***]
	*PDP shall mean Prescription Drug Plan	 

 

An Initial EGWP Sale means the enrollment of an individual
who is a retiree of a Target Customer in an EGWP Product as a direct result of the Sales activity of Upline and in accordance with
the terms and conditions in this Agreement. No Initial Fee for Sales shall be payable to Upline for Initial EGWP Sales after the
Target Customer’s EGWP Product’s original effective date.

 

2.          Renewals.
After the Initial EGWP Sale, Aetna shall pay Upline a renewal fee for each subsequent renewal year that an EGWP Product Enrollee
is confirmed by CMS to be successfully enrolled in an EGWP Product for the Target Customer (“Renewal Fee”) provided
that all of the following is met: i) the Enrollee remains enrolled under the Target Customer’s EGWP Product(s); ii) CMS confirms
the enrollee is enrolled in an EGWP Product; iii) this Agreement remains in effect, is terminated by Aetna without cause or terminated
by Upline for cause; and iii), Aetna maintains a group policy/benefit/contract with such Target Customer for an EGWP Product as
follows:

 

	[***]	[***]
	[***]	[***]
	[***]	[***]

 

A Renewal means any EGWP Product Enrollee who continues
to be enrolled in an EGWP Product of a Target Customer from one CMS Contract Year to another.

 

		B.	Time Frame for Payment of Compensation: All compensation
shall be paid in accordance with Aetna’s regular commission time frame schedule, which is a February to March cycle on an
annual basis if all conditions in the Agreement and this Amendment are met. Any compensation due will be paid within 120 days
following the EGWP Product Enrollee’s original effective date of coverage.

 

    26 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		C.	CMS Requirements Control Compensation. All payments
made to Upline will be in accordance with CMS regulations and guidelines. In the event of any conflict between this Agreement
(including Exhibits B and C) and CMS requirements, CMS requirements shall control. Upline shall have no cause of action against
Aetna for any fee amounts that cannot be paid or is recouped by Aetna as a result of CMS requirements. The Parties agree that
if CMS prohibits the payment of a compensation for a Sale or requires the modification of the amount or method of compensation
payment under this Agreement, then Aetna may cease paying the compensation set forth above or modify the compensation amount or
method at any time to comply with CMS rules and regulations and Aetna may recoup any amount from Upline that is not in accordance
with Laws (including any CMS determination). In addition, the compensation set forth in this Agreement shall be automatically
amended (with or without a written document) if Laws so requires. Aetna shall use reasonable efforts to issue an amendment reflecting
such compensation changes.

 

		D.	Additional Requirements for Compensation Payments.

 

In order to be eligible to receive any compensation
as set forth above in Section A, whether for an Initial EGWP Sale or a Renewal, in addition to any other requirements set forth
in this Agreement, the requirements set forth below must be met:

 

		a.	Appropriately Licensed Agent at time of Sale (except for
LOAs and principals)

		b.	Complete the nomoreforums, or other designated form process
and the onboarding process as referenced in 3.1(vi).

		c.	Active license in State of Sale at time of Sale

		d.	Active appointment in State of Sale at time of Sale

		e.	Must adhere to Exhibit A for allowed States to market
in

		f.	Completed Annual Certification Process at time of Sale

		g.	License Agent of Upline must be Ready to Sell in State
of Sale

		h.	Notified Aetna of the initial and all subsequent Target
Customer meetings in accordance with Section 3.3(b) of the Agreement and the Aetna guidelines

		i.	Activities and services directly led to the Sale and the
completion of a contract with the Target Customer and Target Customer’s retirees becoming an EGWP Product Enrollee Schedule
of meetings and activities must be provided to the Vice President of Group Medicare or his designees

 

		E.	Disputes: All disputes concerning a Sale and whether
compensation is due shall first be resolved by the following informal dispute process before following the Dispute Process set
forth in Section 10.8 of the Agreement.

 

    27 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

Exhibit C

SCHEDULE OF ADMINISTRATIVE SERVICES

 

Upline may be providing certain administrative services to its
Downline Agents under this Agreement. The Producer Guide also sets for the administrative services that may provide Upline. Such
administrative services may include the following:

 

		1.	Agent Recruiting

 

		·	[***]

		·	[***]

		·	[***]

		·	[***]

 

		2.	Agent Training

 

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

 

		3.	Compliance

 

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

		·	[***]

 

		4.	Marketing

 

		·	[***]

		·	[***]

		·	[***]

 

    28 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

Exhibit D

Medicare Requirements

 

Licensed

 

		A.	First Tier or Downstream Entity Requirements

 

		1.	Acknowledgement. Aetna is required to identify and
oversee its First Tier Entities (as defined in Schedule D-l of ExhibitD) consistent with CMS requirements. Upline
acknowledges and agrees that it acts in a capacity as a First Tier Entity in the performance of Services for Aetna under the Agreement,
and shall comply, and shall cause its Downstream Entities to comply, with the requirements set forth in this Section A of this
ExhibitD and Schedule D-l of ExhibitD with respect to the provision of services under this Agreement, including
the performance of delegated activities in connection with Aetna’s Medicare Advantage and/or Part D Program. Except as provided
herein, all other provisions of this Agreement between Aetna and Upline not inconsistent herein shall remain in full force and
effect. This Section A of ExhibitD and Schedule D-l of the ExhibitD shall supersede and replace any inconsistent
provisions to such Agreement; to ensure compliance with required CMS provisions, and shall continue concurrently with the term
of such Agreement.

 

		2.	Upline represents and warrants that all provisions of Section
A of this ExhibitD and Schedule D-l shall apply equally to any employee, temporary employee, principal, partner, or other
individual that performs services under this Agreement. Upline shall take all steps necessary to cause such individuals to comply
with Section A of this ExhibitD and Schedule D-l and all Laws (including CMS instructions). Upline represents and
warrants that Upline has the authority to cause such individuals to comply with Exhibit D and Schedule D-l, and shall provide
written evidence of the same upon request. Upline also represents and warrants that all provisions of Section A of this ExhibitD
and Schedule D-l shall apply equally to any of Upline’s Downstream Entities, as defined by CMS and Schedule D-l.
Upline shall include in Upline’s contracts with Downstream Entities all of the contractual and legal obligations required
by Aetna in order for the Downstream Entity and Aetna to comply with Laws (including CMS instructions). Upline shall take all
steps necessary to cause its Downstream Entities to comply with Section A of this ExhibitD and Schedule D-l, and
Laws (including CMS instructions). To the extent CMS requires additional provisions to be included in such subcontracts, Aetna
shall amend its contracts with its Downstream Entities accordingly.

 

    29 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		3.	Maintenance of Records and Audits

 

		(a)	Aetna or its designee(s) shall have the right, but not
the obligation, to audit, inspect and copy, during regular business hours at Aetna’s cost and in a manner that does not
unreasonably interfere with Upline’s business, any books and records Upline maintains pursuant to this Agreement and the
services performed, upon ten (10) business days’ written notice to Upline; but only to the extent that such inspection is
not prohibited by Laws. To the extent that Aetna uses a third-party to audit Upline, such third party may not be a competitor
of Upline and shall execute confidentiality agreement acceptable to Upline, such acceptance shall not be unreasonably denied,
delayed or withheld.

 

		(b)	Upline shall maintain (and shall cause Downstream Entities
(as defined in Schedule D- 1 hereto) to maintain) operational, financial, administrative and medical records, contracts, books,
files and other documents (including, without limitation, records with respect to Sales, EGWP Product Enrollees’ applications
for coverage and other transactions with EGWP Product Enrollees and prospective EGWP Product Enrollees) for ten (10) years, or
longer to the extent required by Laws in connection with services performed under this Agreement (“Records”).
Such Records shall be maintained in a timely and accurate manner and shall, at a minimum, be reasonably sufficient to allow Aetna
to determine whether Upline and its Downstream Entities are performing their obligations under the Agreement consistent with the
terms of the Agreement and in accordance with Laws and to confirm that the data submitted by Upline and its Downstream Entities
for reporting and other purposes is accurate.

 

		(c)	In addition, to the extent applicable to Upline, Upline,
on behalf of itself and any Downstream Entities, agrees to comply with 42 C.F.R. § 422.2480(c) and 42 C.F.R. § 423.2480(c)
and to maintain all Records containing data used by Aetna to calculate Medicare Medical Loss Ratios (“MLRs”)
for EGWP Products and/or evidence needed by Aetna and/or federal governmental authorities with jurisdiction to validate MLRs (collectively,
“MLR Records”) for a minimum often (10) years from the date such MLRs were reported by Aetna to CMS.

 

		4.	Compliance with Law. Upline acknowledges that Aetna,
directly or indirectly, receives federal funds and that as a contractor of Aetna, the payments to Upline under this Agreement
are, in whole or in part, from federal funds. In carrying out its duties and obligations under this Agreement, Upline shall follow
and adhere to all Laws, including, but not limited to Title VI of the Civil Rights Act of 1964, as amended (42 U.S.C. §2000d
et. Seq.); sections 503 and 504 of the Rehabilitation Act of 1973, as amended (29 U.S.C. §§793 and 794); Title IX of
the Education Amendments of 1972, as amended (20 U.S.C. § 1681 et. Seq.); section 654 of the Omnibus Budget Reconciliation
Act of 1981, as amended (41 U.S.C. §9849); the Americans with Disabilities Act (42 U.S.C. §12101 et. Seq.); and the
Age Discrimination Act of 1975, as amended (42 U.S.C. §6101 et. Seq.); the Vietnam Era Veterans Readjustment Assistance Act
(38 U.S.C. § 4212); and applicable sections of the Medicare and Modernization Act of 2003, HIPAA and the HITECH Act of 2009,
together with all applicable implementing regulations, rules guidelines and standards as from time to time are promulgated thereunder.

 

    30 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		5.	Exclusion Screening and Related Requirements. Upline
understands and agrees that no person or entity that provides services, directly or indirectly, for any EGWP Products, may be
an individual or entity excluded from participation in Medicare under Section 1128 or 1128A of the Social Security Act. Upline
hereby certifies that no such excluded person or entity will be employed by or utilized by Upline or by any of Upline’s
Downstream Entities to directly or indirectly perform services under this Agreement. Upline agrees to review the Department of
Health and Human Services (“HHS”) Office of Inspector General List of Excluded Individuals and Entities and
the General Services Administration System for Awards Management (collectively, “Exclusion Lists”) to ensure that
no persons or entities employed by or utilized by Upline or by any of Upline’s Downstream Entities are included on such
Exclusion Lists. Upline agrees to review the Exclusion Lists prior to initially hiring, appointing or contracting with any new
employee, temporary employee or Downstream Entity and at least once per month thereafter to confirm that such persons and entities
are not included on such Exclusion Lists. Upline agrees that if any such person or entity utilized by Upline to directly or indirectly
to perform services under this Agreement appears on an Exclusion List and/or is excluded from participation in any federally-funded
health program, Upline will immediately remove the employee, temporary employee or Downstream Entity from any work related directly
or indirectly to EGWP Products, and take all corrective actions required under Laws, rules or regulations. In the event Upline
or any employee, temporary employee or Downstream Entity of Upline that directly or indirectly performs services under this Agreement
is listed in an Exclusion List after the Effective Date, Aetna shall have the right, in its sole discretion and judgment, to terminate
Upline’s provision of services to EGWP Products in accordance with the Agreement or to disqualify any such person or entity
on the Exclusion List from providing any part of the services under this Agreement. In addition, Upline shall, and shall cause
each individual or entity with whom it contracts or to whom it delegates any obligations under the Agreement to review the Specially
Designated Nationals and Blocked Persons list published by the Office of Foreign Assets Control of the U.S. Department of Treasury
prior to the initial hiring of any employee or engagement of any subcontractor (including any agent) to furnish services to Aetna,
and monthly thereafter, and to promptly notify Aetna of discovering any employee’s or subcontractor’s name on such
list. Upon such discovery by Upline or Aetna, Aetna reserves the right to block payments to Upline, and/or take any other actions
which may be required to comply with law. In the case an Agent appears on the Specially Designated Nationals and Blocked Persons
list, Aetna, in its sole discretion, may terminate the appointment of such Agent and/or any agreement between Aetna and such Agent.

 

    31 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		6.	Reporting and Disclosure; Submission of Encounter and
Other Data. Upon request by Aetna, Upline shall certify, and cause its Downstream Entities to certify, that any data and other
information submitted to Aetna are accurate, complete and truthful based on best knowledge, information and belief. Upline shall
provide reasonable cooperation and assistance with Aetna’s requests for information and shall promptly submit encounter
data, medical records and such other information as requested by Aetna to allow Aetna to respond in a timely manner to any data
validation audits or requests for information by CMS, and to monitor and audit the obligation of Upline and Downstream Entities
to provide accurate, complete and truthful data and other information. Upline agrees to immediately notify Aetna if any encounter
data that Upline submitted to Aetna is inaccurate, incomplete or erroneous, and cooperate with Aetna to correct erroneous encounter
data to ensure Aetna’s compliance with Medicare laws, rules and regulations and CMS instructions. This paragraph 6 shall
survive termination of the Agreement, regardless of the cause giving rise to termination

 

		7.	Offshore Services. Upline is prohibited from performing
on its own or using any individual or entity (“Offshore Entity”) (including but not limited to, any employee,
contractor, agent, representative or other individual or entity) to perform any services for EGWP Products if the individual or
entity is physically located outside of one of the fifty United States or one of the United States Territories (i.e., American
Samoa, Guam, Northern Marianas, Puerto Rico and the Virgin Islands) (“Offshore Services”) unless Aetna, in
its sole discretion and judgment, agrees in advance and in writing to the provision of Offshore Services by Upline or any Offshore
Entity as described above. Upline further represents and warrants that it does not and will not permit any EGWP Product Enrollees’
protected health information or other personal information to be accessible by any Offshore Entity, without prior written notice
to Aetna and Aetna’s prior written approval of such Offshore Entity. Upline agrees that Aetna has the right to audit any
Offshore Entity prior to the provision of Offshore Services for EGWP Products. Additionally, Upline acknowledges and agrees that
Offshore Services that involve Member PHI are subject to CMS reporting within thirty (30) days of: (1) performing, or contracting
with an Offshore Entity to perform, Offshore Services, and (2) any time Upline changes the Offshore Services that an Offshore
Entity will perform.

 

		8.	Compliance Program and Anti-Fraud Initiatives. Upline
shall (and shall cause its Downstream Entities to) institute, operate, and maintain an effective compliance program to detect,
correct and prevent the incidence of non-compliance with CMS requirements and the incidence of fraud, waste and abuse (FWA) relating
to the operation of Aetna’s Medicare Program. Such compliance program shall be appropriate to Upline’s or Downstream
Entity’s organization and operations and shall include:

 

    32 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(a)	written compliance policies and standards of conduct that
are comparable to Aetna’s compliance policies/Aetna Code of Conduct and articulate the entity’s commitment to comply
with federal and state laws, ethical behavior and compliance program operations. Upline will disseminate either Aetna’s
compliance policies/Aetna Code of Conduct or comparable versions to Upline’s employees, officers, and Downstream Entities
within 90 days of hire/contracting, when updates are made, and annually thereafter;

 

		(b)	reporting mechanisms communicated to Upline’s employees
and Downstream Entities for their use in adhering to the expectation that Upline, its employees and its Downstream Entities report
potential non-compliance or FWA issues (internally and to Aetna, as applicable) and understand their obligation to report. Upline
must publicize the reporting methods to Upline’s employees and Downstream Entities along with a no-tolerance policy for
retaliation or retribution for good faith reporting;

 

		(c)	completion of CMS’ Medicare Learning Network®
“Medicare Parts C and D Fraud, Waste, and Abuse Training and Medicare Parts C and D General Compliance Training” by
Upline’s employees, officers, and Downstream Entities initially within ninety (90) days of hire/contracting and at least
annually thereafter, unless exempt from Fraud, Waste, and Abuse training under relevant CMS regulations. Training may be completed
in one of two ways: (1) by completing the general compliance and FWA training modules located on the CMS Medicare Learning Network;
or (2) by downloading, viewing or printing the content of the then current CMS standardized training modules from the CMS website
to incorporate into Upline’s and/or Downstream Entity’s organization’s existing compliance training materials/systems.
The CMS training content may not be changed but Upline and/or its Downstream Entities may add to it to cover topics specific to
its organization;

 

		(d)	processes to oversee and ensure that Upline and Upline’s
Downstream Entities maintain compliance with processes to oversee and ensure that: (1) Upline and Upline’s Downstream Entities
maintain compliance with CMS compliance program requirements, and (2) Upline’s Downstream Entities perform the services
to be provided under this Agreement consistent with this Agreement and the agreement between Upline and such Downstream Entities.
Upline’s oversight under this Agreement shall include: (1) imposition of disciplinary actions, as needed, to ensure employee
compliance with CMS compliance program requirements, and (2) implementation of corrective actions (up to and including contract
termination), as needed, with respect to its Downstream Entities to ensure Downstream Entity compliance with applicable CMS requirements,
including the CMS compliance program requirements, this Agreement and Upline’s contract with the Downstream Entity; and

 

    33 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(e)	retention of evidence showing that Upline and Upline’s
Downstream Entities complied with the requirements set forth in this Section 8(e). Such evidence must be maintained for at least
the period of time specified in Section A (3) of this Exhibit D and shall be made available to Aetna and CMS, upon request.
Upline shall complete attestations in the form and manner requested by Aetna to confirm its compliance with this Section on an
annual basis.

 

		9.	Schedule D-l. Upline agrees to comply with all the
provisions set forth in Schedule D-l to this Exhibit D. All obligations set forth in Schedule D-l apply equally
to the Medicare Advantage Plans and Part D Plans, even if Schedule D-l only refers to Medicare Advantage Plans.

 

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Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

Schedule D-l

Medicare Contract

 

CMS requires that specific terms and conditions be incorporated
into the Agreement between a Medicare Advantage Organization or First Tier Entity and a First Tier Entity or Downstream Entity
to comply with the Medicare laws, regulations, and CMS instructions, including, but not limited to, the Medicare Prescription Drug,
Improvement and Modernization Act of 2003, Pub. L. No. 108-173,117 Stat. 2066 (“MMA”); and

 

Except as provided herein, all other provisions of the Agreement
between Aetna and Upline not inconsistent herein shall remain in full force and effect. This schedule shall supersede and replace
any inconsistent provisions to such Agreement, to ensure compliance with required CMS provisions, and shall continue concurrently
with the term of such Agreement.

 

NOW, THEREFORE, the parties agree as follows:

 

		A.	Definitions:

 

		1)	Centers for Medicare and Medicaid Services (“CMS”): the agency within the Department of Health and Human Services
that administers the Medicare program.

 

		2)	Completion of Audit: completion of audit by the Department of Health and Human Services, the Government Accountability Office,
or their designees of a Medicare Advantage Organization, Medicare Advantage Organization contractor or related entity.

 

		3)	Downstream Entity: any party that enters into a written arrangement, acceptable to CMS, with persons or entities involved with
the MA benefit, below the level of the arrangement between an MA organization (or applicant) and a first tier entity. These written
arrangements continue down to the level of the ultimate provider of both health and administrative services.

 

		4)	Final Contract Period: the final term of the contract between CMS and the Medicare Advantage Organization.

 

		5)	First Tier Entity: any party that enters into a written arrangement, acceptable to CMS, with an MA organization or applicant
to provide administrative services or health care services for a Medicare eligible individual under the MA program.

 

		6)	Medicare Advantage (“MA”): an alternative to the traditional Medicare program in which private plans run by health
insurance companies provide health care benefits that eligible beneficiaries would otherwise receive directly from the Medicare
program.

 

    35 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		7)	Medicare Advantage Organization (“MA organization”): a public or private entity organized and licensed by a State
as a risk-bearing entity (with the exception of provider-sponsored organizations receiving waivers) that is certified by CMS as
meeting the MA contract requirements.

 

		8)	Member or Enrollee: a Medicare Advantage eligible individual who has enrolled in or elected coverage through a Medicare Advantage
Organization.

 

		9)	Provider: (1) any individual who is engaged in the delivery of health care services in a State and is licensed or certified
by the State to engage in that activity in the State; and (2) any entity that is engaged in the delivery of health care services
in a State and is licensed or certified to deliver those services if such licensing or certification is required by State law or
regulation.

 

		10)	Related entity: any entity that is related to the MA organization by common ownership or control and (1) performs some of the
MA organization’s management functions under contract or delegation; (2) furnishes services to Medicare enrollees under an
oral or written agreement; or (3) leases real property or sells materials to the MA organization at a cost of more than $2;500
during a contract period.

 

		B.	Required Provisions:

 

Upline agrees to the following:

 

		1)	HHS, the Comptroller General, or their designees have the right to audit, evaluate, and inspect any pertinent information for
any particular contract period, including, but not limited to, any books, contracts, computer or other electronic systems (including
medical records and documentation of the first tier, downstream, and entities related to CMS’ contract with Aetna’s
Affiliates included in this Agreement, (hereinafter, “MA organization”) through 10 years from the final date of the
final contract period of the contract entered into between CMS and the MA organization or from the date of completion of any audit,
whichever is later. [42 C.F.R. §§ 422.504(i)(2)(i) and (ii)] and [42 CFR §423.505]

 

		2)	HHS, the Comptroller General, or their designees have the right to audit, evaluate, collect, and inspect any records under
paragraph 1 of this amendment directly from any first tier, downstream, or related entity. For records subject to review under
paragraph 1, except in exceptional circumstances, CMS will provide notification to the MA organization that a direct request for
information has been initiated. [42 C.F.R. §§ 422.504(i)(2)(ii) and (iii)] and [42 C.F.R. §423.505]

 

		3)	Upline will comply with the confidentiality and enrollee record accuracy requirements, including: (1) abiding by all Federal
and State laws regarding confidentiality and disclosure of medical records, or other health and enrollment information, (2) ensuring
that medical information is released only in accordance with applicable Federal or State law, or pursuant to court orders or subpoenas,
(3) maintaining the records and information in an accurate and timely manner, and (4) ensuring timely access by enrollees to the
records and information that pertain to them. [42 C.F.R. §§ 422.504(a)(13) and 422.118] and [42 CFR §423.136]

 

    36 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		4)	Enrollees will not be held liable for payment of any fees that are the legal obligation of the MA organization. [42 C.F.R.
§§ 422.504(i)(3)(i) and 422.504(g)(l)(i)] and [42 CFR §423.505(i)(3)(i)]

 

		5)	Any services or other activity performed in accordance with a contract or written agreement by Upline are consistent and comply
with the MA organization’s contractual obligations. [42 C.F.R. § 422.504(i)(3)(iii)] and [42 CFR §423.505(i)(3)(iii)]

 

		6)	Upline and any related entity, contractor or subcontractor will comply with all applicable Federal and Medicare laws, regulations,
and CMS instructions. [42 C.F.R. §§ 422.504(i)(4)(v)] and [42 CFR §423.505(i)(4)(iv)]

 

		7)	If any of the MA organization’s activities or responsibilities under its contract with CMS are delegated to any first
tier, downstream and related entity:

 

		(i)	The delegated activities and reporting responsibilities
are specified as follows:

 

Upline shall (a) solicit, procure and transmit enrollment
applications for Sales to eligible Medicare beneficiaries; (b) market EGWP Products; and (c) Refer Medicare beneficiaries to Aetna.
Please see Sections 2 and 3 of the Agreement.

 

		(ii)	CMS and the MA organization reserve the right to revoke
the delegation activities and reporting requirements or to specify other remedies in instances where CMS or the MA organization
determine that such parties have not performed satisfactorily.

 

		(iii)	The MA organization will monitor the performance of the
parties on an ongoing basis.

Please see Section 4.2 and ExhibitD

 

		(iv)	If the MA organization delegates the selection of providers,
contractors, or subcontractor, the MA organization retains the right to approve, suspend, or terminate any such arrangement.

 

[42 C.F.R. §§ 422.504(i)(4) and (5)]

 

In the event of a conflict between the terms and conditions
above and the terms of a related agreement, the terms above control.

 

    37 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

ExhibitE

BUSINESS ASSOCIATE AGREEMENT

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPAA)

 

This Business Associate Agreement (the “BAA”) is
made by and between Aetna (hereinafter the “Covered Entity”) and Upline (hereinafter the “Business Associate”),
and is effective as of the Effective Date. This BAA is attached to and incorporated into the Aetna Marketing Agreement for Upline
Licensed Agents and Agencies between Business Associate and Covered Entity (the “Agreement”). All capitalized terms
used herein but not otherwise defined shall have the meanings given to such terms in the Agreement. In conformity with the regulations
at 45 C.F.R. Parts 160-164 (the “Privacy and Security Rules”), Covered Entity will provide Business Associate with
access to, or have Business Associate create, maintain, transmit and/or receive certain Protected Health Information (as defined
below), thus necessitating a written agreement that meets the applicable requirements of the Privacy and Security Rules. Covered
Entity and Business Associate agree as follows:

 

		1.	Definitions. The following terms shall have the
meaning set forth below:

 

		(a)	ARRA. “ARRA” means the American Recovery
and Reinvestment Act of 2009

 

		(b)	Breach. “Breach” has the same meaning
as the term “breach” in 45 C.F.R. 164.402.

 

		(c)	C. F. R. “C.F. R.” means the Code of Federal
Regulations.

 

		(d)	Designated Record Set. “Designated Record
Set” has the meaning assigned to such term in 45 C. F. R. 160.501.

 

		(e)	Discovery. “Discovery” shall mean the
first day on which a Breach is known to Business Associate (including any person, other than the individual committing the breach,
that is an employee, officer, or other agent of Business Associate), or should reasonably have been known to Business Associate,
to have occurred.

 

		(f)	Electronic Protected Health Information. “Electronic
Protected Health Information” means information that comes within paragraphs 1 (i) or 1 (ii) of the definition of “Protected
Health Information”, as defined in 45 C. F. R. 160.103.

 

		(g)	Individual. “Individual” shall have
the same meaning as the term “individual” in 45 C. F. R. 160.103 and shall include a person who qualifies as personal
representative in accordance with 45 C. F. R. 164.502 (g).

 

		(h)	Protected Health Information. “Protected Health
Information” shall have the same meaning as the term “Protected Health Information”, as defined by 45 C. F.
R. 160.103, limited to the information created or received by Business Associate from or on behalf of Covered Entity.

 

    38 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(i)	Required by Law. “Required by Law” shall
have the same meaning as the term “required by law” in 45 C. F. R. 164.103.

 

		(j)	Secretary. “Secretary” shall mean the
Secretary of the Department of Health and Human Services or his designee.

 

		(k)	Security Incident. “Security Incident”
shall have the same meaning as the term “security incident” in 45 C.F.R. 164.304.

 

		(l)	Standard Transactions. “Standard Transactions”
means the electronic health care transactions for which HIPAA standards have been established, as set forth in 45 C. F. R., Parts
160-162.

 

		(m)	Unsecured Protected Health Information. “Unsecured
Protected Health Information” means Protected Health Information that is not secured through the use of a technology or
methodology specified by guidance issued by the Secretary from time to time.

 

		2.	Obligations and Activities of Business Associate.

 

		(a)	Business Associate agrees to not use or further disclose
Protected Health Information other than as permitted or required by this BAA or as Required by Law. Business Associate shall also
comply with any further limitations on uses and disclosures agreed by Covered Entity in accordance with 45 C.F.R. 164.522 provided
that such agreed upon limitations have been communicated to Business Associate in accordance with Section 4.1(c) of this BAA.

 

		(b)	Business Associate agrees to use appropriate safeguards
to prevent use or disclosure of the Protected Health Information other than as provided for by this BAA, including but not limited
to the safeguards described in Section 2(m) of this BAA.

 

		(c)	Business Associate agrees to mitigate, to the extent practicable,
any harmful effect that is known to Business Associate of a use or disclosure of Protected Health Information by Business Associate
in violation of the requirements of this BAA.

 

		(d)	Business Associate agrees to promptly report to Covered
Entity any use or disclosure of the Protected Health Information not provided for by this BAA of which it becomes aware.

 

    39 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(e)	Business Associate agrees to report to Covered Entity any
Breach of Unsecured Protected Health Information without unreasonable delay and in no case later than five (5) Business days after
Discovery of a Breach. Such notice shall include the identification of each Individual whose Unsecured Protected Health Information
has been, or is reasonably believed by Business Associate, to have been, accessed, acquired, or disclosed In connection with such
Breach. In addition, Business Associate shall provide any additional information reasonably requested by Covered Entity for purposes
of investigating the Breach. Business Associate’s notification of a Breach under this section shall comply in all respects
with each applicable provision of Section 13400 of Subtitle D (Privacy) of ARRA, 45 CFR 164.410, and related guidance issued by
the Secretary from time to time. Without limiting Covered Entity’s remedies under Section 6 or any other provision of this
BAA, in the event of a Breach involving Unsecured Protected Health Information maintained, used or disclosed by Business Associate,
Business Associate shall reimburse Covered Entity for the cost of providing any legally required notice to affected Individuals
and the cost of credit monitoring for such Individuals to extent deemed necessary by Covered Entity in its reasonable discretion.

 

		(f)	In accordance with 45 CFR 164.502(e)(l)(ii) and 164.308(b)(2),
if applicable, Business Associate agrees to ensure that any subcontractors that create, receive, maintain, or transmit Protected
Health Information on behalf of Business Associate agree in writing to the same restrictions and conditions that apply through
this BAA to Business Associate with respect to such information. In no event shall Business Associate, without Covered Entity’s
prior written approval, provide Protected Health Information received from, or created or received by Business Associate on behalf
of Covered Entity, to any employee or agent, including a subcontractor, if such employee, agent or subcontractor receives, processes
or otherwise has access to the Protected Health Information outside of the United States.

 

		(g)	Business Associate agrees to provide access, at the request
of Covered Entity, within ten (10) business days of the request from Covered Entity, to Protected Health Information in a Designated
Record Set, to Covered Entity or, as directed by Covered Entity, to an Individual in order to meet the requirements under 45 C.F.R.
164.524. Covered Entity’s determination of what constitutes “Protected Health Information” or a “Designated
Record Set” shall be final and conclusive. If Business Associate provides copies or summaries of Protected Health Information
to an Individual it may impose a reasonable, cost-based fee in accordance with 45 C.F.R. 164.524 (c)(4).

 

		(h)	Business Associate agrees to make any amendment(s) to Protected
Health Information in a Designated Record Set that the Covered Entity directs or agrees to pursuant to 45 C.F.R. 164.526 at the
request of Covered Entity or an Individual, within ten (10) business days of a request by Covered Entity. Business Associate shall
not charge any fee for fulfilling requests for amendments. Covered Entity’s determination of what Protected Health Information
is subject to amendment pursuant to 45 C.F.R. 164.526 shall be final and conclusive.

 

    40 

     

    

 

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(i)	Business Associate agrees to make (i) internal practices,
books, and records, including policies and procedures, relating to the use and disclosure of Protected Health Information received
from, or created or received by Business Associate on behalf of, Covered Entity, and (ii) policies, procedures, and documentation
relating to the safeguarding of Electronic Protected Health Information available to the Covered Entity, or at the request of
the Covered Entity to the Secretary, in a time and manner designated by the Covered Entity or the Secretary, for purposes of the
Secretary determining Covered Entity’s or Business Associate’s compliance with the Privacy and Security Rules.

 

		(j)	Business Associate agrees to document such disclosures
of Protected Health Information as would be required for Covered Entity to respond to a request by an Individual for an accounting
of disclosures of Protected Health Information in accordance with 45 C.F.R. 164.528.

 

		(k)	Business Associate agrees to provide to Covered Entity,
in the time and manner described below, the information collected in accordance with Section 2(j) of this BAA, to permit Covered
Entity to respond to a request by an Individual for an accounting of disclosures of Protected Health Information in accordance
with 45 C.F.R. 164.528. Business Associate agrees to provide such information to Covered Entity within thirty (30) business days
of receipt of a request from Covered Entity.

 

		(l)	Business Associate acknowledges that it shall request from
the Covered Entity and so disclose to its affiliates, Licensed Agents and subcontractors or other third parties, (i) the information
contained in a “limited data set,” as such term is defined at 45 C.F.R. 164.514(e)(2), or, (ii) if needed by Business
Associate, to the minimum necessary to accomplish the intended purpose of such requests or disclosures, in all cases, Business
Associate shall request and disclose Protected Health Information only in a manner that is consistent with guidance issued by
the Secretary from time to time.

 

		(m)	With respect to Electronic Protected Health Information,
Business Associate shall implement and comply with (and ensure that its subcontractors implement and comply with) the administrative
safeguards set forth at 45 C.F.R. 164.308, the physical safeguards set forth at 45 C.F.R. 310, the technical safeguards set forth
at 45 C.F.R. 164.312, and the policies and procedures set forth at 45 C.F.R. 164.316 to reasonably and appropriately protect the
confidentiality, integrity, and availability of the Electronic Protected Health Information that it creates, receives, maintains,
or transmits on behalf of Covered Entity. Business Associate acknowledges that, (i) the foregoing safeguard, policies and procedures
requirements shall apply to Business Associate in the same manner that such requirements apply to Covered Entity, and (ii) Business
Associate shall be liable under the civil and criminal enforcement provisions set forth at 42 U.S.C. 1320d-5 and 1320d-6, as amended
from time to time, for failure to comply with the safeguard, policies and procedures requirements and any guidance issued by the
Secretary from time to time with respect to such requirements.

 

    41 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(n)	With respect to Electronic Protected Health Information,
Business Associate shall ensure that any subcontractors that create, receive, maintain, or transmit Electronic Protected Health
Information on behalf of Business Associate, agree to comply with the applicable requirements of Subpart C of 45 C.F.R. Part 164
by entering into a contract that complies with 45 C.F.R. Section 164.314.

 

		(o)	Business Associate shall report to Covered Entity any Security
Incident of which it becomes aware, including Breaches of Unsecured Protected Health Information as required by 45 C.F.R. Section
164.410.

 

		(p)	If Business Associate conducts any Standard Transactions
on behalf of Covered Entity, Business Associate shall comply with the applicable requirements of 45 C.F.R. Parts 160- 162.

 

		(q)	During the term of this BAA, Business Associate may be
asked to complete a security survey and/or attestation document designed to assist Covered Entity in understanding and documenting
Business Associate’s security procedures and compliance with the requirements contained herein. Business Associate’s
failure to complete either of these documents within the reasonable timeframe specified by Covered Entity shall constitute a material
breach of this BAA.

 

		(r)	Business Associate acknowledges that, as of the Effective
Date, it shall be liable under the civil and criminal enforcement provisions set forth at 42 U.S.C. 1320d-5 and 1320d-6, as amended
from time to time, for failure to comply with any of the use and disclosure requirements of this BAA and any guidance issued by
the Secretary from time to time with respect to such use and disclosure requirements.

 

		(s)	To the extent Business Associate is to carry out one or
more of Covered Entity’s obligation(s) under Subpart E of 45 CFR Part 164, Business Associate shall comply with the requirements
of Subpart E that apply to Covered Entity in the performance of such obligation(s).

 

		(t)	To the extent that Business Associate provides services
to Covered Entity relating to individuals enrolled in state or federal programs (e.g., Medicare or Medicaid), Business Associate
shall comply with any additional restrictions or requirements related to the use, disclosure, maintenance, and protection of Protected
Health Information of individuals enrolled in such programs through Covered Entity. With respect to the Protected Health Information
of Medicare enrollees, Business Associate shall report privacy and security incidents and/or Breaches immediately, but not later
than one (1) day, to Covered Entity and include the information required under this Section 2 of this Addendum.

 

    42 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		3.	Permitted Uses and Disclosures by Business Associate.

 

		3.1	General Use and Disclosure. Except as otherwise
limited in this BAA, Business Associate may use or disclose Protected Health Information to perform its obligations and services
to Covered Entity, provided that such use or disclosure would not violate the Privacy and Security Rules if done by Covered Entity
or the minimum necessary policies and procedures of the Covered Entity.

 

		3.2	Specific Use and Disclosure Provisions.

 

		(a)	Except as otherwise prohibited by this BAA, Business Associate
may use Protected Health Information for the proper management and administration of the Business Associate or to carry out the
legal responsibilities of the Business Associate.

 

		(b)	Except as otherwise prohibited by this BAA, Business Associate
may disclose Protected Health Information for the proper management and administration of the Business Associate, provided that
disclosures are Required By Law, or Business Associate obtains reasonable assurances from the person to whom the information is
disclosed that it will remain confidential and used or further disclosed only as Required By Law or for the purpose for which
it was disclosed to the person, and the person notifies the Business Associate of any instances of which it is aware in which
the confidentiality of the information has been breached in accordance with the Breach and Security Incident notifications requirements
of this BAA.

 

		(c)	Business Associate shall not directly or indirectly receive
remuneration in exchange for any Protected Health Information of an Individual without Covered Entity’s prior written approval
and notice from Covered Entity that it has obtained from the Individual, in accordance with 45 C.F.R. 164.508, a valid authorization
that includes a specification of whether the Protected Health Information can be further exchanged for remuneration by Business
Associate. The foregoing shall not apply to Covered Entity’s payments to Business Associate for services delivered by Business
Associate to Covered Entity.

 

		(d)	Business Associate shall not de-identify any Protected
Health Information except as authorized by Covered Entity to provide data aggregation services to Covered Entity as permitted
by 42 C.F.R. 164.504(e)(2)(i)(B).

 

		(e)	Business Associate may use Protected Health Information
to report violation of law to appropriate Federal and State authorities, consistent with 164.502 (j)(l).

 

    43 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		4.	Obligations of Covered Entity.

 

		4.1	Provisions for Covered Entity to Inform Business Associate
of Privacy Practices and Restrictions.

 

		(a)	Covered Entity shall notify Business Associate of any limitation(s)
in Covered Entity’s notice of privacy practices that Covered Entity produces in accordance with 45 C.F.R. 164.520 (as well
as any changes to that notice), to the extent that such limitation(s) may affect Business Associate’s use or disclosure
of Protected Health Information.

 

		(b)	Covered Entity shall provide Business Associate with any
changes in, or revocation of, permission by Individual to use or disclose Protected Health Information, to the extent that such
changes affect Business Associate’s use or disclosure of Protected Health Information.

 

		(c)	Covered Entity shall notify Business Associate of any restriction
to the use or disclosure of Protected Health Information that Covered Entity has agreed to in accordance with 45 C.F.R. 164.522,
to the extent that such restriction may affect Business Associate’s use or disclosure of Protected Health Information.

 

		4.2	Permissible Requests by Covered Entity. Except as
may be set forth in Section 3.2, Covered Entity shall not request Business Associate to use or disclose Protected Health Information
in any manner that would not be permissible under the Privacy and Security Rules if done by Covered Entity.

 

		5.	Term and Termination.

 

		(a)	Term. The provisions of this BAA shall take effect
on the Effective Date and shall terminate as set forth in Section 5(b) below.

 

		(b)	Termination. Termination shall be governed by Section
8 of the Agreement.

 

		(c)	Effect of Termination.

 

		(1)	Except as provided in Section 5(c), upon termination of
this BAA, for any reason, Business Associate shall return or destroy all Protected Health Information received from Covered Entity,
or created, maintained, transmitted or received by Business Associate on behalf of Covered Entity. This provision shall apply
to Protected Health Information that is in the possession of subcontractors or Licensed Agents of Business Associate. Business
Associate shall retain no copies of the Protected Health Information.

 

    44 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(2)	In the event the Business Associate determines that returning
or destroying the Protected Health Information is infeasible, Business Associate shall provide to Covered Entity notification
of the conditions that make return or destruction infeasible. Upon mutual agreement of the Parties that return or destruction
of Protected Health Information is infeasible, per Section 5(a) above, Business Associate shall continue to extend the protection
of this BAA to such Protected Health Information and limit further uses and disclosures of such Protected Health Information for
so long as Business Associate maintains such Protected Health Information.

 

		6.	Indemnification. Indemnification shall be governed
by the indemnification provisions set forth in Section 10.7 of the Agreement.

 

		7.	Notices. Any notices or communications to be given
under this BAA shall be made to the address and/or fax numbers given below:

 

	To Business Associate:	 	To Covered Entity:
	To the address set forth on the signature page of the Agreement	 	Aetna 

HIPAA Member Rights Team 

151 Farmington Avenue, RT65  

Hartford, CT 06156  

Fax: (859) 280-1272  

Email: HIPAAFulfillment@aetna.com

 

Each Party named above may change its address in accordance
with Section 10.6 of the Agreement.

 

		8.	Miscellaneous.

 

		(a)	Regulatory References. A reference in this BAA to
a section in the Privacy and Security Rules means the section as in effect or as amended, and for which compliance is required.

 

		(b)	Amendment. Any amendment of this BAA shall be governed
by Section 10.14 of the Agreement.

 

		(c)	Survival. The respective rights and obligations
of Business Associate under Sections 5(c) and 6 of this BAA shall survive the termination of this BAA.

 

		(d)	Interpretation. Any ambiguity in this BAA shall
be resolved in favor of a meaning that permits Covered Entity to comply with the Privacy and Security Rules. In the event of any
inconsistency or conflict between this BAA and any other agreement between the Parties, the terms, provisions and conditions of
this BAA shall govern and control.

 

    45 

     

    

  

Pursuant to 17 CFR 240.24b-2, confidential
information has been omitted in places marked

“[***]” and has been filed separately
with the Securities and Exchange Commission

pursuant to a Confidential Treatment Application
filed with the Commission.

 

		(e)	No third party beneficiary. Nothing express or implied
in this BAA is intended to confer, nor shall anything herein confer, upon any person other than the Parties and the respective
successors or assigns of the Parties, any rights, remedies, obligations, or liabilities whatsoever.

 

		(f)	Governing Law. This BAA shall be governed by and
construed in accordance with the laws of the Commonwealth of Pennsylvania.

 

    46Exhibit 10.2

 

AGREEMENT

 

This agreement ("Agreement") is made and entered
into as of the 7th day of April, 2016 by and among Grandparents.com, Inc., a Delaware corporation (“GPCM”) and
Marsh & McLennan Agency LLC, a Delaware limited liability corporation ("MMA") (individually “Party”
and collectively “Parties”).

 

INTRODUCTION, PURPOSE AND SCOPE

 

GPCM and the Northeast Division of MMA (“MMA NE”) wish
to work together to explore, find and implement various insurance and insurance related products, solutions and programs, partnerships,
and business relationships in the senior, boomer and other markets.

 

Initially, the parties will focus on offering the products listed
on Schedule A attached hereto (the “Products”) on MMA’s insurance benefits portal known
as MMA Marketlink and through referrals to other regions of MMA.

 

GPCM is an organization and social media community that addresses
the senior market with a website, and various products and solutions for seniors and boomers including insurance solutions. GPCM
has a subsidiary named Grandparents Insurance Solutions LLC (“GIS”), which is a licensed insurance broker and permitted
to sell the Products in the states where such Products are approved for sale.

 

MMA is a licensed insurance producer and is in the business of providing
insurance brokerage and other insurance-related services to clients and MMA is licensed to sell the Products in the states where
such Products are approved for sale.

 

MMA offers insurance products to middle market companies and employers
including through MMA’s Marketlink portal.

 

GPCM and MMA desire to establish a framework pursuant to which MMA
NE would market Products to employer groups with employees 64 years and older for whom the Products are designed;

 

The purpose of this Agreement is to establish the terms and conditions,
scope of work and responsibilities of the Parties associated with their collaboration and agree to the following terms and conditions.

 

    	 	Page 1 of 11	 

     

    

 

TERMS AND CONDITIONS

		1.	Obligations

 

MMA NE will facilitate discussions between GPCM and the Trion division
of MMA regarding the inclusion of the Products on MMA Marketlink. MMA NE will use its reasonable efforts to offer the Products
to its employer group clients with a percentage of 64+ year olds and further may refer or otherwise encourage other regions of
MMA to offer the Products to their employer group clients having a similar profile.

 

GPCM will provide MMA with access to the Products. GPCM will also
use its reasonable efforts to provide for MMA with the opportunity to offer Products to residents at Century Village in Florida.

 

		2.	Terms and Conditions Apply to the Projects

 

Each of the projects, businesses or opportunities which are explored
or established by the Parties with each other will be subject to all the terms and conditions of this Agreement.

 

		3.	Amendments for Individual Projects

 

Any project may amend certain terms and conditions of this Agreement
by signing a separately negotiated amendment to this Agreement. In the event an Amendment is signed, all the other unchanged terms
and conditions of this Agreement will remain in effect.

 

		4.	Commission-Sharing

 

GPCM, through GIS, shall pay to MMA, 50% of net commissions received
by it for each Product sold by MMA pursuant to the terms of this Agreement. As used in this agreement, “net commissions”
shall mean gross commissions less all fees and expenses associated with a third party call center. Payment to MMA shall be made
within 60 days of GPCM’s receipt of such commission from Aetna and payment is subject to the terms of that certain Program
Agreement entered into between Aetna Life Insurance Company (together with American Continental Insurance Company, Continental
Life Insurance Company of Brentwood, Tennessee and Aetna Health and Life Insurance Company) and GPCM, dated as of October 9, 2013;
that certain Marketing Agreement for Upline Agents and Agencies entered into between Aetna Life Insurance Company and GIS, dated
as of October 29, 2014; and certain Marketing Agreement for Upline Agents and Agencies entered into between Aetna Life Insurance
Company and GPCM, dated as of October 31, 2014. Payment shall constitute payment in full for the performance hereunder and GPCM
shall not be responsible for paying any other fees, costs or expenses, except as provided in the Section 4 and as further provided
in Section 8(b). 

 

    	 	Page 2 of 11	 

     

    

 

		5.	Expenses

 

Each of the Parties shall bear their respective
expenses in fulfilling their respective responsibilities under this Agreement. The Parties acknowledge that the cost and expenses
associated with a third party call center shall be shared equally before the payment of the net commissions referred to in Section
4 above.

 

		6.	Exclusive Arrangement 

 

MMA NE agrees that during the Term and one year thereafter, it,
and its employees and agents will promote, market and sell the Products exclusively, and will not market, promote and sell any
other Medicare product or any product that is competitive with any of the Products. It is acknowledged and agreed that this exclusivity
applies only to MMA’s Northeast division and there is no intention to bind MMA as a whole or any other region or division
of MMA to this exclusivity. GPCM agrees that during the Term and one year thereafter, it, its employees and agents will not promote,
market and sell the Products to Aon or permit Aon to promote, market and sell the Products to Aon clients.

 

		7.	Relationship of Parties 

 

The Parties agree and acknowledge that each
is an independent contractor in performing its obligations under this Agreement. Neither Party shall have the power or authority
to bind, obligate, or commit the other Party, and shall not represent or hold him or herself out to have such power or authority.
Nothing in this Agreement shall be interpreted to indicate that the Parties are affiliates, partners, joint venturers, co-owners,
employers, fiduciaries or otherwise participants in a partnership, joint or common undertaking. GPCM shall have no authority with
respect to any client of MMA to solicit, sell or offer Products, accept applications, quote rates, bill or collect premiums or
settle claims or do any other act or make any statement which purports to bind MMA without MMA’s prior written consent.

 

		8.	Term and Termination

 

(a)          The Term of this Agreement shall commence as of the date
of this Agreement and terminate on the fifth annual anniversary of the date hereof (“Term”). It will automatically
renew for successive one year terms unless no later than ninety days prior to the end of the Term (or extended Term thereof), either
Party notifies the other Party in writing of its desire to not renew the Agreement.

 

Either Party may terminate this Agreement in the event that, less
than 10,000 Products are sold in each calendar year during the Term of this Agreement, commencing in the second calendar year and
measured on a calendar year basis. The notice shall be given ninety days prior to the end of the calendar year.

 

    	 	Page 3 of 11	 

     

    

 

Either Party may also terminate this Agreement immediately upon
Good Cause and with written notice stating the reasons therefore. There will be “Good Cause” if a Party (a)
commits a material breach of this Agreement and fails to cure such breach within thirty (30) days of receipt of a request in writing
from the notifying party to do so; (b) ceases doing business for any reason; (c) becomes insolvent or is generally unable to pay
its debts as they become due; (d) seeks protection under the United States Bankruptcy Code or similar protection from creditors;
(e) is subject to a bankruptcy, receivership, insolvency, reorganization, dissolution, liquidation or other similar proceeding
and it is not dismissed within sixty (60) days of filing; (f) reasonably determines that this Agreement, at any time, materially
conflicts with or is in material violation of any state or federal law, rule or regulation applicable to the activities of either
of the Parties hereunder, and such activities cannot be made to conform to the requirements of applicable law in the reasonable
judgment of the terminating Party (after good faith discussion and attempt of the Parties); or (f) is dissolved or liquidated.

 

(b)          Expiration or termination of this Agreement will not affect
any rights or obligations that are to survive the expiration or earlier termination of this Agreement or were incurred by the Parties
prior to such expiration or earlier termination. Following the Term, Aetna and GIS may offer to renew Products that are in force.
In the event that any Product has been issued to a policyholder prior to the expiration or termination of this Agreement and such
Product remains in force following such expiration or termination or is renewed after the expiration or termination of this Agreement,
MMA shall continue to receive its share of “net commissions” for all such Products so long as such Products continue
to be renewed. MMA agrees that upon the expiration or termination of this Agreement, MMA shall not, directly or indirectly, offer
competitive products to the Products to the existing Product policyholders and shall not attempt to convert existing Product policyholders
to a competing product.

 

In the event of expiration or termination of this Agreement, the
Parties will cooperate to wrap up any ongoing projects in a businesslike manner.

 

		9.	Audits and Enforcement

 

Each Party shall maintain accurate books and records regarding the
business conducted pursuant to this Agreement. Upon the reasonable request of a Party the other Party shall provide the other with
statements detailing an accounting of the expenses, revenues and other items incurred under this Agreement. Each Party shall have
the right at reasonable intervals and during normal business hours to examine the books, records and personnel of the other Party
to confirm a proper accounting.

 

    	 	Page 4 of 11	 

     

    

 

		10.	Non Circumvention

 

The Parties intend to work together to explore, find and implement
various insurance and insurance related products, solutions, programs, partnerships, and business relationships

 

in the senior, boomer and other markets. In the course of this cooperation,
the Parties will share with each other business ideas, business partners, connections, trade secrets and opportunities. Neither
Party will seek to circumvent this Agreement by taking any action, including, terminating it or evading it to benefit from any
business opportunity they investigated or approached jointly unless it is done in concert with the other Party or with the other
Party’s consent.

 

		11.	Mutual Representations, Warranties and Covenants

 

Each Party represents,
warrants and covenants to the other that all information supplied by it to the other to date is complete, truthful and accurate,
and warrants that all information to be supplied by it to the other from this date forward will be complete, truthful and accurate.
Each Party warrants that, in connection with its activities with or for the other, it and its owners, directors, officers, employees
and agents will comply with all laws, rules and regulations of all applicable jurisdictions, including but not limited to all anti-corruption
and anti-bribery laws such as the United States Foreign Corrupt Practices Act and the United Kingdom Bribery Act, whether or not
it is subject to those laws. Each Party agrees that it will not, directly or indirectly, give, authorize, promise, offer or facilitate
the giving of a bribe to any person, and will not, directly or indirectly, give, authorize, promise, offer, or facilitate the giving
of any money, entertainment, hospitality, travel, employment, contract, sponsorship, political contribution, charitable contribution,
or any other tangible or intangible thing of value to any person in exchange for a business advantage.

 

Each Party represents: (i) it has all licenses or other forms of
authorization necessary for it to undertake the activities contemplated by this Agreement and will provide the other Party with
certified copies of such licenses or authorizations as the other Party may reasonably request from time to time; and, (ii) other
than as disclosed to the other Party in writing, neither it nor any of its employees or agents has been convicted of or pleaded
guilty to a criminal offense, or is the subject of any government investigation for such offense. GPCM hereby acknowledges receipt
of a copy of Marsh & McLennan Companies’ Improper Payments Policy and Code of Conduct as set forth at http://www.mmc.com/about/code.php
and warrants it and its owners, directors, officers, employees and agents will comply with them in all respects relevant to this
Agreement.

 

Each party it has and shall maintain at its own
expense in full force and effect during the Term an errors and omissions insurance policy providing coverage of not less than $1
million per claim and $3 million in aggregate.

 

    	 	Page 5 of 11	 

     

    

 

		12.	Indemnification

 

Each Party shall defend, indemnify and hold harmless
the other Party and its officers, directors, shareholders, managers, members, employees, consultants and agents (collectively,
the “Indemnified Parties”), from and against any and all losses to the extent arising out of any negligent act
or omission of the indemnifying party in connection with the performance of its obligations under this Agreement. Notwithstanding
anything to the contrary in this Agreement, neither Party is obligated to indemnify or defend the other Party against any losses
arising out of or resulting, in whole or in part, from the other Party's willful, reckless or grossly negligent acts or omissions,
or bad faith failure to comply with any of its obligations set forth in this Agreement.

 

		13.	Confidentiality 

 

From time to time during the Term, either Party
(as the “Disclosing Party”) may disclose or make available to the other Party (as the “Receiving Party”)
information about its business affairs and services, confidential information and materials comprising or relating to Intellectual
Property, trade secrets, third-party confidential information and other sensitive or proprietary information, as well as the terms
of this Agreement, whether orally or in written, electronic or other form or media, and whether or not marked, designated or otherwise
identified as “confidential” (collectively, “Confidential Information”). Confidential Information
does not include information that, at the time of disclosure: (a) is or becomes generally available to and known by the public
other than as a result of, directly or indirectly, any breach of this Section by the Receiving Party or any of its Representatives;
(b) is or becomes available to the Receiving Party on a non-confidential basis from a third-party source, provided that such third
party is not and was not prohibited from disclosing such Confidential Information; (c) was known by or in the possession of the
Receiving Party or its Representatives prior to being disclosed by or on behalf of the Disclosing Party; (d) was or is independently
developed by the Receiving Party without reference to or use of, in whole or in part, any of the Disclosing Party's Confidential
Information; or (e) is required to be disclosed pursuant to applicable Law.

 

The Receiving Party shall, during the Term and
for two years from the termination of this Agreement: (x) protect and safeguard the confidentiality of the Disclosing Party's Confidential
Information with at least the same degree of care as the Receiving Party would protect its own Confidential Information, but in
no event with less than a commercially reasonable degree of care; (y) not use the Disclosing Party's Confidential Information,
or permit it to be accessed or used, for any purpose other than to exercise its rights or perform its obligations under this Agreement;
and (z) not disclose any such Confidential Information to any Person, except to the Receiving Party's Representatives who need
to know the Confidential Information to assist the Receiving Party, or act on its behalf, or to exercise its rights or perform
its obligations under this Agreement. The Receiving Party shall be responsible for any breach of this Section caused by any of
its Representatives. At any time during or after the Term, at the Disclosing Party's written request, the Receiving Party and its
Representatives shall promptly destroy all Confidential Information and copies thereof that it has received under this Agreement.

 

    	 	Page 6 of 11	 

     

    

 

		14.	Injunctive Relief

 

The Parties agree that a breach of the Confidentiality
Section, the Exclusive Arrangement Section, or the Non Circumvent Section, shall give rise to irreparable harm to the other Party
for which monetary damages would not be an adequate remedy. In the event of a breach or a threatened breach by such Party of any
such obligations, the other Party shall, in addition to any and all other rights and remedies that may be available to such Party
at law, at equity or otherwise in respect of such breach, be entitled to seek equitable relief, including a temporary restraining
order, an injunction, specific performance and any other relief that may be available from a court of competent jurisdiction, without
any requirement to post a bond or other security, and without any requirement to prove actual damages or that monetary damages
will not afford an adequate remedy.

 

		15.	Miscellaneous Provisions

 

(a) Further Assurances. Upon
a Party's reasonable request, the other Party shall execute and deliver all such further documents and instruments, and take all
such further acts, necessary to give full effect to this Agreement.

 

(b) Entire Agreement. This Agreement,
including the related schedules attached hereto, constitutes the sole and entire agreement of the Parties with respect to the
subject matter contained herein, and supersedes all prior and contemporaneous understandings, agreements, representations and
warranties, both written and oral, with respect to such subject matter.

 

(c) Notices. All notices, requests,
consents, claims, demands, waivers and other communications hereunder (each, a “Notice”) shall be in writing
and addressed to the parties at the addresses set forth below (or to such other address that may be designated by the receiving
party from time to time in accordance with this section). All Notices shall be delivered by personal delivery, nationally recognized
overnight courier (with all fees pre-paid), facsimile or e-mail of a PDF document during normal business hours (with confirmation
of transmission) or certified or registered mail (in each case, return receipt requested, postage prepaid). Except as otherwise
provided in this Agreement, a Notice is effective only (a) upon receipt by the receiving party, and (b) if the party giving the
Notice has complied with the requirements of this Section.

 

    	 	Page 7 of 11	 

     

    

 

If to GPCM:

 

Steve Leber

Chief Executive Officer

Grandparents.com, Inc.

589 Eighth Avenue, 6th Floor

New York, NY 10018

 

If to MMA:

 

Marsh & McLennan Agency LLC

360 Hamilton Avenue, Suite
930

White
Plains, NY 10601

 

(d) Headings. The headings in
this Agreement are for reference only and do not affect the interpretation of this Agreement.

 

(e) Severability. If any term
or provision of this Agreement is invalid, illegal or unenforceable in any jurisdiction, such invalidity, illegality or unenforceability
shall not affect any other term or provision of this Agreement or invalidate or render unenforceable such term or provision in
any other jurisdiction. Upon a determination that any term or provision is invalid, illegal or unenforceable, the Parties shall
negotiate in good faith to modify this Agreement to effect the original intent of the Parties as closely as possible in order
that the transactions contemplated hereby be consummated as originally contemplated to the greatest extent possible.

 

(f) Amendment and Modification.
No amendment to or modification of this Agreement is effective unless it is in writing, identified as an amendment to and signed
by an authorized representative of each Party.

 

(g) Waiver.  No waiver
under this Agreement is effective unless it is in writing, identified as a waiver to this Agreement and signed by an authorized
representative of the Party waiving its right. Any waiver authorized on one occasion is effective only in that instance and only
for the purpose stated, and does not operate as a waiver on any future occasion. None of the following constitutes a waiver or
estoppel of any right, remedy, power, privilege or condition arising from this Agreement: any failure or delay in exercising any
right, remedy, power or privilege or in enforcing any condition under this Agreement; or any act, omission or course of dealing
between the Parties.

 

(h) Cumulative Remedies. All rights
and remedies provided in this Agreement are cumulative and not exclusive, and the exercise by either Party of any right or remedy
does not preclude the exercise of any other rights or remedies that may now or subsequently be available at law, in equity, by
statute, in any other agreement between the Parties or otherwise.

 

    	 	Page 8 of 11	 

     

    

 

(i) No Third-Party Beneficiaries.
 Except with respect to the Indemnified Parties, this Agreement benefits solely the Parties to this Agreement and their respective
permitted successors and assigns and nothing in this Agreement, express or implied, confers on any other Person any legal or equitable
right, benefit or remedy of any nature whatsoever under or by reason of this Agreement.

 

(j) Choice of Law. This Agreement,
including all documents and exhibits, schedules, attachments and appendices attached to this Agreement and thereto, and all matters
arising out of or relating to this Agreement, shall be governed by, and construed in accordance with, the laws of the State of
New York without giving effect to any choice or conflicts of law provisions thereof.

 

(k) Choice of Forum. Each Party
irrevocably and unconditionally agrees that it will not commence any action, litigation or proceeding of any kind whatsoever against
the other Party in any way arising from or relating to this Agreement, including all exhibits, schedules, attachments and appendices
attached to this Agreement and thereto, and all contemplated transactions in any forum other than the United States District Court
for the Southern District of New York or, if such court does not have subject matter jurisdiction, the courts of the State of
New York, and any appellate court thereof. Each Party irrevocably and unconditionally submits to the exclusive jurisdiction of
such courts and agrees to bring any such action, litigation or proceeding only in such courts.

 

(l) Waiver of Jury Trial. Each
Party acknowledges and agrees that any controversy that may arise under this Agreement, including any exhibits, schedules, attachments
and appendices attached to this Agreement, is likely to involve complicated and difficult issues and, therefore, each such Party
irrevocably and unconditionally waives any right it may have to a trial by jury in respect of any legal action arising out of
or relating to this Agreement, including any exhibits, schedules, attachments or appendices attached to this Agreement, or the
transactions contemplated hereby.

 

(m) Counterparts. This Agreement
may be executed in counterparts, each of which is deemed an original, but all of which together are deemed to be one and the same
agreement. A signed copy of this Agreement delivered by facsimile, e-mail or other means of electronic transmission is deemed
to have the same legal effect as delivery of an original signed copy of this Agreement.

 

(n) Public Announcements. Neither
Party shall make any statement (whether oral or in writing) in any press release, external advertising, marketing or promotion
materials regarding the other Party or its business unless: (a) it has received the express written consent of the other Party;
or (b) it is required to do so by law.

 

    	 	Page 9 of 11	 

     

    

 

(o) Assignment. This Agreement
shall be binding upon and shall inure to the benefit of the Parties and their permitted transferees, successors and assigns, including
any entity which the parties hereto may merge or consolidate with or to which it may transfer substantially all of its assets.
The Parties shall not assign any aspect of its rights or responsibilities hereunder without written permission from the other
Party.

 

The Parties indicate their intention to be bound by the terms and
conditions of Agreement by their signatures below.

 

Agreed to and accepted

as of 7th day of April, 2016.

 

	GRANDPARENTS.COM, INC.	 
	 	 	 
	Signature:  	/s/ Steven E. Leber	 
	 	 	 
	Steve Leber	 
	 	 
	Chairman/CEO	 
	 	 
	Agreed to and accepted	 
	as of 13th day of April, 2016.	 
	 	 
	MARSH & McLENNAN AGENCY LLC	 
	 	 	 
	Signature:	/s/ Anthony C. Gruppo	 
	 	 	 
	Name: Anthony C. Gruppo	 
	 	 
	Title:  CEO MMA Northeast	 

 

    	 	Page 10 of 11	 

     

    

 

Schedule A

 

Medicare Supplement Plans

Medicare Advantage Plans

Stand Alone Part D Plans

Medicare Supplement Plan provided to members
of the AGA

 

    	 	Page 11 of 11

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