Document:

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                                                                   Exhibit 10.22

                              EMPLOYMENT AGREEMENT

     This Employment Agreement, dated this 26th day of July, 2004, is between
CompBenefits Dental and Vision Company ("CompBenefits") and Mary Kay Gilbert
(the "Executive").

                                   WITNESSETH

     WHEREAS, CompBenefits desires to employ Executive in the capacity and on
the terms and conditions hereinafter set forth and Executive is willing to serve
in such capacity and on such terms and conditions.

     NOW, THEREFORE, in consideration of the mutual promises and covenants
herein contained, the parties hereto agree as follows:

     1. Employment. Subject to the provisions of Section 6, CompBenefits hereby
employs the Executive and the Executive accepts such employment upon the terms
and conditions hereinafter set forth.

     2. Term of Employment. The term of the Executive's employment pursuant to
this Agreement shall be effective as of the date of this Agreement, and shall
remain in effect for a period of five (5) years from said date or until
terminated in accordance with Section 6. The period during which the Executive
serves as an employee of CompBenefits or any of its subsidiary operations in
accordance with and subject to the provisions of this Agreement is referred to
in this Agreement as the "Term of Employment." If CompBenefits continues to
employ Executive beyond the Term of Employment without entering into a written
agreement extending the term of this Agreement, all obligations and rights under
this Agreement shall prospectively lapse as of the expiration date except for
Executive's obligations under Paragraph 8 and Executive shall be an at-will
employee of CompBenefits.

     3. Duties. During the Term of Employment, the Executive (a) shall serve as
an officer of CompBenefits, (b) shall perform such duties and responsibilities
as may be reasonably determined by the Chief Executive Officer or other designee
of CompBenefits consistent with the Executive's position as an officer of
CompBenefits, provided that such duties and responsibilities shall be within the
general area of the Executive's experience and skills, (c) upon the request of
the Board of Directors of CompBenefits, shall serve as an officer of any of its
subsidiaries; and (d) shall render all services incident to the foregoing. The
Executive agrees to use her best efforts in, and shall devote her full working
time, attention, skill and energies to, the advancement of the interests of
CompBenefits Dental and Vision Company, CompBenefits Corporation (parent company
of CompBenefits), and their subsidiaries and Affiliates and the performance of
her duties and responsibilities hereunder.

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     4. Compensation.

          (a) During the Term of Employment, CompBenefits shall pay the
Executive a salary ("Base Salary") at an annual rate as shall be determined from
time to time by the Chief Executive Officer of CompBenefits, provided, however,
that such rate per annum shall not be less than $185,000. Such salary shall be
subject to withholding under applicable law and shall be payable in periodic
installments in accordance with CompBenefits' usual practice for its executives,
as in effect from time to time.

          (b) Executive shall be paid a signing bonus of $25,000, which will be
provided to Executive in her paycheck on July 30, 2004. Should Executive resign
her position or be terminated for cause, this bonus is recoverable in full
within the first six (6) months of employment. Should Executive resign her
position or be terminated for cause after six (6) months but before one (1) year
of employment, 50% of said bonus shall be recoverable and Executive shall
reimburse the Company within thirty (30) days after her termination of
employment.

          (c) Subject to the provisions of Section 6, upon completion of each
calendar year and as determined by the Compensation Committee of the Board of
Directors and the Chief Executive Officer of the Company, the Executive shall be
eligible to receive a bonus to the extent payable pursuant to a bonus plan then
in effect from time to time for Executives of CompBenefits of equivalent
position and title ("Annual Bonus") (with a target percentage of Base Salary of
40% for 2004), provided (i) the Executive has not voluntarily terminated her
employment with the Company for other than Good Reason, or (ii) Executive's
employment has not been terminated for Cause by the Company at the time said
Annual Bonus, if any, is paid in the normal course (typically 2nd Quarter of the
following year). Notwithstanding the above and provided that Executive is
employed with the Company on March 1, 2005, it is agreed that Executive is
guaranteed a calendar year 2004 Annual Bonus payment of not less than $37,000
("Guaranteed Bonus"). Said Guaranteed Bonus shall be due and payable in the 2nd
Quarter of 2005.

          All compensation shall be subject to withholding under applicable law.

     5. Benefits.

          (a) During the Term of Employment, the Executive shall be entitled to
participate in any and all bonus plans, medical, pension and dental insurance
plans and disability income plans as in effect from time to time for executives
of CompBenefits. Such participation shall be subject to (i) the terms of the
applicable plan documents, (ii) generally applicable policies of CompBenefits,
and (iii) the discretion of the Board of Directors of CompBenefits or
administrative or other committee provided for in or contemplated by such plan.

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          (b) CompBenefits shall promptly reimburse the Executive for all
reasonable business expenses incurred by the Executive during the Term of
Employment in accordance with CompBenefits' practices for executives of
CompBenefits, as in effect from time to time.

          (c) During the Term of Employment, the Executive shall receive paid
vacation annually in accordance with CompBenefits' practices for executives of
CompBenefits, as in effect from time to time.

          (d) Except as contemplated by Sections 5 (b) and 5 (c), compliance
with provisions of this Section 5 shall in no way create or be deemed to create
any obligation, express or implied, on the part of CompBenefits or any of its
subsidiaries or Affiliates with respect to the continuation of any benefit or
other plan or arrangement maintained as of or prior to the date hereof or the
creation and maintenance of any particular benefit or other plan or arrangement
at any time after the date hereof. Notwithstanding the foregoing, the benefits
provided to the Executive during the Term of Employment will not be materially
less favorable in the aggregate than the benefits in effect for the executives
of CompBenefits as of the date of this Agreement.

     6. Termination of Employment of the Executive. This Agreement and the
Executive's employment with CompBenefits and/or its subsidiaries may be
terminated as follows:

          (a) At any time by the mutual consent of the Executive and
CompBenefits.

          (b) At any time for "cause" by CompBenefits upon written notice to the
Executive. For purposes of this agreement, a termination shall be for "cause"
if:

               (i) the Executive shall commit an act of fraud, embezzlement,
misappropriation or breach of fiduciary duty against CompBenefits or any of its
subsidiaries or affiliates or shall be convicted by a court of competent
jurisdiction or shall plead guilty or nolo contendere to any felony or crime
involving moral turpitude;

               (ii) the Executive shall commit a material breach of any of the
covenants, terms or provisions of Section 8 hereof;

               (iii) the Executive shall commit a material breach of any of the
covenants, terms or provisions hereof (other than pursuant to Section 8 hereof)
which breach has not been remedied within thirty (30) days after delivery to the
Executive by CompBenefits of written notice thereof; or

               (iv) the Executive shall consistently disobey reasonable
instructions from CompBenefits' Chief Executive Officer or his designee
consistent with the terms of this Agreement and Executive's duties, title, and
general area of expertise;

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               (v) the Executive shall fail or be unable to carry out
effectively Executive's duties and obligations to CompBenefits and/or its
subsidiaries, or to participate effectively and actively in the management of
CompBenefits as determined in the reasonable judgment of CompBenefits' Chief
Executive Officer, after written notice and a reasonable opportunity to cure
given the nature of failure as described in the written notice.

     Upon termination for cause as provided in this Section 6 (b), all
obligations of CompBenefits under this Agreement shall thereupon immediately
terminate other than any obligations with respect to earned but unpaid Base
Salary; provided CompBenefits shall have any and all rights and remedies under
this Agreement and applicable law.

          (c) Upon the earlier death or permanent disability (as defined below)
of Executive continuing for a period of ninety (90) days. Upon any such
termination of the Executive's employment, all obligations of CompBenefits under
this Agreement shall thereupon immediately terminate other than any obligations
with respect to (i) earned but unpaid Base Salary including any earned but
unpaid bonus from the previous calendar year, if applicable, through the date of
termination, (ii) bonus payments with respect to the calendar year which such
termination occurred on the basis of and to the extent contemplated in any bonus
plan then in effect with respect to executive officers of CompBenefits,
pro-rated on the basis of number of days of the Executive's actual employment
hereunder during such calendar year through such termination, and (iii) in the
case of permanent disability, continuation of health insurance benefits until
the first anniversary of the date of termination to the extent permitted under
Executive's group health insurance policy. As used herein, the definition of the
term "permanent disability" or "permanently disabled" shall parallel the
definition of same as provided under the long-term disability insurance policy
then in effect on executives of the Company. In the event that no such policy is
in existence at the time of the contended disability, "permanent disability"
shall be defined as the inability of the Executive, by reason of injury, illness
or other similar cause, to perform a major part of her duties and
responsibilities in connection with the conduct of the business and affairs of
CompBenefits.

          (d) At any time by the Executive upon sixty (60) days' prior written
notice to CompBenefits. Upon termination by the Executive as provided in this
Section 6 (d), all obligations of CompBenefits under this Agreement shall
thereupon immediately terminate other than any obligations with respect to
earned but unpaid Base Salary.

     7. Severance Payments Following a Change In Control.

          In the event of termination of the Executive within 18 months
following a Change In Control (as defined in paragraph 10(a)) by either (i)
CompBenefits without cause or (ii) by Executive for Good Reason (as defined
under Section 10(b)), then CompBenefits shall, in lieu of the payments and
arrangements specified above, pay the Executive severance pay in an amount equal
to one (1) times the Executive's Base Salary on the termination date ("Severance
Pay").

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Such Severance Pay shall be payable over twelve (12) months in equal monthly
installments and shall be subject to withholding to the extent required under
applicable law. The Severance Pay contemplated by this Section 7 is agreed by
the parties hereto to be in full satisfaction and compromise of any claim
arising out of Executive's employment by CompBenefits and the termination
thereof. Executive shall not be required to mitigate the amount of any payment
provided for in this Agreement by seeking other employment or otherwise.

          During the period of time during which the Severance Pay is being
remitted pursuant to the above, the Company will either continue the Executive's
health (medical) insurance as provided in Section 5 to the extent permitted
under applicable law and CompBenefits' group health insurance policies or
reimburse the Executive for her cost for comparable coverage to the extent such
coverage cannot be provided under such policies; provided that, notwithstanding
anything herein to the contrary, CompBenefits shall not be required to continue
to provide the Executive with health benefits under this paragraph to the extent
the Executive becomes entitled to receive benefits substantially similar to
those which the Executive otherwise would have been entitled to receive
hereunder.

     8. Non-Competition.

          (a) During any period in which the Executive serves as an employee of
CompBenefits and for the greater of (i) the period Executive continues to
receive Severance Pay, or (ii) a period of one (1) year after the date of
termination of the Executive's employment at any time, regardless of the
circumstances thereof, the Executive shall not, without the express written
consent of CompBenefits, directly or indirectly, engage, participate, invest in,
be employed by or assist, whether as owner, part-owner, shareholder, partner,
director, officer, trustee, employee, agent or consultant, or in any other
capacity, any Person other than CompBenefits and its Affiliates whose
activities, products, and/or services are in the Designated Industry. Without
limiting the foregoing, the foregoing covenant shall prohibit the Executive
during the period set forth above from (i) hiring or attempting to hire for or
on behalf of any Person in the Designated Industry any officer or Employee of
CompBenefits or any of its Affiliates, (ii) encouraging for or on behalf of any
such Person in the Designated Industry any officer or Employee to terminate her
or her relationship or employment with CompBenefits or any of its Affiliates,
(iii) soliciting for or on behalf of any such Person in the Designated Industry
any customer of CompBenefits or any of its Affiliates and (iv) diverting to any
such Person in the Designated Industry any customer of CompBenefits or any of
its Affiliates; provided, however, that nothing herein shall be construed as
preventing the Executive from making passive investments in a Person in the
Designated Industry if the securities of such Person are publicly traded and
such investment constitutes less than five percent of the outstanding shares of
capital stock or comparable equity interests of such Person. As of the date of
this Agreement, the Executive is not performing any other duties for, and is not
a party to any similar agreement with, any Person competing with CompBenefits or
any of its affiliates.

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          (b) In the course of performing services hereunder and otherwise, the
Executive has had, and it is anticipated that the Executive will from time to
time have, access to confidential records, data, customer lists, trade secrets
and similar confidential information owned or used in the course of business by
CompBenefits and its subsidiaries and affiliates (the "Confidential
Information"). The Executive agrees (i) to hold the Confidential Information in
strict confidence, (ii) not to disclose the Confidential Information to any
Person (other than in the regular business of CompBenefits), and (iii) not to
use, directly or indirectly, any of the Confidential Information for any
competitive or commercial purpose; provided, however, that the limitations set
forth above shall not apply to any Confidential Information which (A) is then
generally known to the public; (B) became or becomes generally known to the
public through no fault of the Executive; or (C) is disclosed in accordance with
an order of a court of competent jurisdiction or applicable law. Upon the
termination of the Executive's employment with CompBenefits, all data,
memoranda, customer lists, notes, programs and other papers and items, and
reproductions thereof relating to the foregoing matters in the Executive's
possession or control, shall be returned to CompBenefits and remain in its
possession.

          (c) For purposes of this Section 8, the following terms shall have the
meanings specified unless defined otherwise herein:

               (i) "Affiliates" shall mean any subsidiary company of
CompBenefits Dental and Vision Company, whether wholly or partially owned,
CompBenefits Corporation, parent company of CompBenefits Dental and Vision
Company, and any subsidiary company of CompBenefits Corporation, whether wholly
or partially owned.

               (ii) "Employee" shall mean any individual employed currently or
during a one-year period immediately prior to the date of any hiring or
solicitation for hire of such individual by CompBenefits or its Affiliates;

               (iii) "Designated Industry" shall mean (A) the business of
providing dental health care services and any and all activities relating
thereto, including, without limitation, the provision and administration of
discount fee-for-service dental plans, prepaid dental plans, PPO dental plans
and indemnity dental plans and operation and/or ownership of dental health care
practices, (B) the business of providing vision health care services and any and
all activities relating thereto, including, without limitation, the provision
and administration of discount fee-for-service vision plans, prepaid vision
plans, PPO vision plans and indemnity vision plans, and (C) any other revenue
generating business conducted by CompBenefits or its Affiliates;

               (iv) "Person" shall mean an individual, a corporation, an
association, a partnership, an estate, a trust, and any other entity or
organization.

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     9. Specific Performance: Severability. It is specifically understood and
agreed that any breach of the provisions of this Agreement including, without
limitation, Section 8 hereof by the Executive is likely to result in irreparable
injury to CompBenefits and its Affiliates, that the remedy at law alone will be
inadequate remedy for such breach and that, in addition to any other remedy it
may have, CompBenefits shall be entitled to enforce the specific performance of
this Agreement by the Executive and to seek both temporary and permanent
injunctive relief (to the extent permitted by law), without the necessity of
proving actual damages. In case any of the provisions contained in this
Agreement shall for any reason be held to be invalid, illegal or unenforceable
in any respect, any such invalidity, illegality or unenforceability shall not
affect any other provision of this Agreement, but this unenforceable provision
shall be limited or modified (consistent with its general intent) to the extent
necessary to make it valid, legal and enforceable, or if it shall not be
possible to so limit or modify such invalid, illegal or unenforceable provision
or part of a provision, this Agreement shall be construed as if such invalid,
illegal or unenforceable provision or part of a provision had never been
contained in this Agreement.

     10. Definitions.

          (a) For purposes of this Agreement, "Change In Control" shall mean any
of the following events:

               (i) the direct or indirect beneficial ownership (within the
meaning of Section 13(d) of the Securities Exchange Act of 1934, as amended (the
"Exchange Act") of a majority of the outstanding common stock of the Company is
acquired or becomes held by any person or group of persons (within the meaning
of Section 13(d)(3) of the Exchange Act);

               (ii) a change of stock ownership of the Company of a nature that
would be required to be reported in response to Item 6(e) of Schedule 14A
promulgated under the Exchange Act, and any successor Item of a similar nature;

               (iii) the stockholders of the Company shall approve (provided,
however, if the transaction approved by the stockholders is subsequently
terminated, and the Employee is still employed by the Company at the termination
of the transaction, then no "Change in Control" shall be deemed to have taken
place): (1) any consolidation, merger, share exchange or other extraordinary
transaction related to the Company where the stockholders of the Company,
immediately prior to the consolidation, merger, share exchange or other
extraordinary transaction, would not, immediately after the consolidation,
merger, share exchange or other extraordinary transaction, beneficially own,
directly or indirectly, shares representing in the aggregate 50 percent of the
voting securities of the corporation issuing cash or securities in the
consolidation, merger, share exchange or other extraordinary transaction (or of
its ultimate parent corporation, if any), (2) any lease, exchange, mortgage or
other transfer (in one transaction or series of transactions contemplated or
arranged by any party as a single plan) of all

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or substantially all of the assets of the Company and its subsidiaries (taken as
a whole), or (3) any plan or proposal for the liquidation or dissolution of the
Company.

          (b) For purposes of this Agreement, "Good Reason" shall mean the
following:

               (i) a reassignment of the Executive to a position not consistent
with the Executive's general area of knowledge, experience and skills;

               (ii) any material diminution of the Executive's Base Salary as in
effect immediately preceding a Change In Control;

               (iii) any relocation of Executive's principal place of employment
to more than 50 miles from the principal place of employment immediately
preceding a Change In Control;

               (iv) any failure of any successors to the Company to assume this
agreement; or

               (v) any breach of this Agreement by the Company not cured within
thirty (30) days after its receipt of notice from Executive of such breach.

     11. Notices. All notices, requests, demands and other communications
hereunder shall be in writing and shall be deemed to have been duly given if
delivered personally or mailed by certified or registered mail (return receipt
requested) as follows:

               To CompBenefits:

                    100 Mansell Court East
                    Suite 400
                    Roswell, Georgia 30076
                    Attention: Chief Executive Officer

               To the Executive:

                    Mary Kay Gilbert

or to such other address of which any party may notify the other parties as
provided above. Notices shall be effective as of the date of such delivery or
mailing.

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     12. Entire Agreement. This Agreement supersedes any and all other
agreements, either oral or in writing, by and between the parties hereto with
respect to the employment of Executive by CompBenefits and/or its Affiliates.
Each party to this Agreement acknowledges and agrees that no representations,
inducements, or other agreement, statement, or promise, oral or otherwise, not
contained in this Agreement shall be valid or binding.

     13. Arbitration. Disputes arising out of or relating to this Agreement
shall be determined by binding arbitration in accordance with the then current
Commercial Arbitration Rules of the American Arbitration Association, provided,
however, that any dispute arising out of the non-competition provision of this
Agreement (Section 8) shall not be subject to arbitration.

     14. Miscellaneous. This Agreement shall be governed by and construed under
the laws of the State of Georgia, and shall not be amended, modified or
discharged in whole or in part except by an Agreement in writing signed by both
of the parties hereto. The failure of either of the parties to require the
performance of a term or obligation or to exercise any right under this
Agreement or the waiver of any breach hereunder shall not prevent subsequent
enforcement of such term or obligation or exercise of such right or the
enforcement at any time of any other right hereunder or be deemed a waiver of
any subsequent breach of the provision so breached, or of any other breach
hereunder. This Agreement shall inure to the benefit of successors of
CompBenefits by way of merger, consolidation or transfer of all or substantially
all of the assets of CompBenefits, and may not be assigned by the Executive.

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     IN WITNESS WHEREOF, the parties have executed this Agreement under seal as
of the date first set forth above.

                                        COMPBENEFITS DENTAL & VISION COMPANY

                                        By: /s/ Kirk E. Rothrock
                                            ------------------------------------
                                        Name: Kirk E. Rothrock
                                        Title: Chief Executive Officer

                                        EXECUTIVE

                                        By: /s/ Mary Kay Gilbert
                                            ------------------------------------
                                        Name: Mary Kay Gilbert

                                       10<PAGE>

                                                                   Exhibit 10.24

                              EMPLOYMENT AGREEMENT

     THIS EMPLOYMENT AGREEMENT (the "Agreement") is made and entered into as of
the 13th day of July, 1998, by and between COMPDENT CORPORATION, a Delaware
corporation (the "Company") and KAREN B. MITCHELL (the "Employee").

                     I. Statement of Background Information

     The Employee has been an officer and a key employee of the Company and the
parties desire to ensure that the Employee's expertise, knowledge and experience
will continue to be available to the Company in providing full-service dental
benefits and offering network-based dental care, reduced fee-for-service, third
party administration and dental practice management (the "Business").

                           II. Statement of Agreement

     In consideration of the mutual covenants, promises and conditions set forth
in this Agreement, and for other good and valuable consideration, the parties
hereto hereby agree as follows:

1.   Employment. The Company hereby employs Employee in the position of Vice
     President of Human Resources and Assistant Corporate Counsel of the
     Company and/or such other position(s) as determined by the Board of
     Directors or its designees and consistent with the Employee's general area
     of experience, knowledge and skill, and Employee hereby accepts such
     employment upon the terms and conditions set forth in this Agreement. For
     purposes of Sections 6, 7 and 8 of this Agreement, "employment" shall mean
     any period of time during the term hereof which the Company is paying the
     Employee salary or wages. By execution of this Agreement, the parties
     hereby: (a) terminate, as of the date hereof, that certain employment
     agreement between the Company and Employee dated December 1, 1997 (the
     "Prior Employment Agreement") and (b) acknowledge and agree that no
     provisions of the Prior Employment Agreement shall survive the execution
     and delivery of this Agreement.

2.   Duties of Employee. Employee agrees to perform and discharge the duties
     which may be assigned to Employee from time to time by the Company's Board
     of Directors or its designees and consistent with the Employee's general
     area of experience, knowledge and skill. Employee also agrees to materially
     comply with all of the Company's material policies, standards and
     regulations and to follow the reasonable instructions and directives of
     Employee's superiors within the Company, as promulgated by the Board of
     Directors or its designees. Employee will devote her full professional and
     business related time, skills and commercially reasonable efforts

<PAGE>

     to the Business and Employee will not, during the term of this Agreement,
     be engaged (whether or not during normal business hours) in any other
     business or professional activity (excluding reasonable and appropriate
     charitable activities), whether or not such activity is pursued for gain,
     profit or other pecuniary advantage without the prior written consent of
     the Chief Executive Officer of the Company, which consent will not be
     unreasonably withheld.

3.   Term. The term of this Agreement will be for a period commencing on the
     date hereof and expiring on the later of the fifth anniversary of such date
     or, if there is a Change in Control (as defined herein) before such fifth
     anniversary date, the date which is 25 months following any Change in
     Control, subject to earlier termination as provided for in Section 4 below.

4.   Termination.

          (a) By the Company. Notwithstanding anything contained in Section 3 to
     the contrary, the Company may terminate this Agreement and all of its
     obligations hereunder immediately if any of the following events (any of
     which shall constitute "cause" for purposes of this Agreement) occur:

          (i) Employee (A) materially breaches any of the terms or conditions
     set forth in Sections 6, 7 or 8 of this Agreement including, without
     limitation, the failure to use commercially reasonable efforts in the
     performance of duties assigned to the Employee on a full time basis, or (B)
     materially breaches any of the other terms and conditions set forth in this
     Agreement and fails to cure such breach within twenty days after Employee's
     receipt from the Company of written notice of such breach, which notice
     shall describe in reasonable detail the basis for the Company's belief that
     Employee is in breach hereof;

          (ii) Employee commits any act in bad faith materially detrimental to
     the business or reputation of the Company;

          (iii) Employee is convicted of any crime involving fraud, deceit or
     moral turpitude or Employee intentionally engages in dishonest or illegal
     activities that have a material adverse effect upon the business or
     reputation of the Company; or

          (iv) Employee dies or becomes mentally or physically incapacitated or
     disabled so as to be unable to perform Employee's duties under this
     Agreement. For purposes of this Agreement. Employee shall be deemed to be
     mentally or physically incapacitated or disabled so as to be unable to
     perform her duties if and to the extent he becomes permanently disabled
     under the Company's long-term disability policy then in effect.

                                       -2-

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          The Company may also terminate the Employee's employment, upon
     reasonable written notice to the ' Employee, at any time subject to the
     fulfillment of the Company's obligations under this Agreement and such
     termination by the Company for any other reason shall be deemed termination
     "without cause."

          (b) By Employee. The Employee may terminate this Agreement:

          (i) if the Company materially breaches any of the terms or conditions
     set forth in this Agreement and fails to cure its breach within twenty days
     after its receipt from Employee of written notice of such breach, which
     notice describes in reasonable detail Employee's belief that the Company is
     in breach hereof; or

          (ii) for "good reason" (as herein defined) at any time during the
     two-year period following a Change in Control upon written notice to the
     Company.

     The Employee may also resign and terminate her employment on reasonable
     written notice at any time and such termination by Employee for any other
     reason (other than as provided in Sections 4(b)(i) or (ii)) and in such
     event, the Employee shall receive no severance benefits under this
     Agreement as a result of such termination.

          (c) Certain definitions.

          (i) For purposes of this Agreement, "good reason" shall mean the
     following:

               (A)  any material diminution of the Employee's duties or a
                    reassignment of the Employee to a position not consistent
                    with the Employee's general area of knowledge, experience
                    and skills, or the assignment of substantial additional
                    responsibilities to the Employee;

               (B)  any material diminution of the Employee's compensation or a
                    material diminution of the Employee's bonus, long-term
                    incentives, employee benefits or perquisites as in effect
                    immediately preceding the Change in Control;

               (C)  any relocation of Employee's principal place of employment
                    to more than 35 miles from the principal place of employment
                    immediately preceding the Change in Control;

               (D)  any material increase in Employee's travel obligations;

               (E)  any failure of any successors to the Company to assume this
                    agreement; or

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          (F)  any breach of this Agreement by the Company not cured within ten
               days after its receipt of notice from Employee of such breach (in
               the event of such a breach and a termination of this Agreement by
               Employee following a Change in Control, such termination shall be
               deemed to have occurred under Section 4(c)(i)(F) and not under
               Section 4(b)(i) of this Agreement).

     (ii) For purposes of this Agreement, "Change in Control" shall mean any of
the following events:

          (A)  the direct or indirect beneficial ownership (within the meaning
               of Section 13(d) of the Securities Exchange Act of 1934, as
               amended (the "Exchange Act") and Regulation 13D thereof) of a
               majority of the outstanding common stock of the Company is
               acquired or becomes held by any person or group of persons
               (within the meaning of Section 13(d)(3) of the Exchange Act);

          (B)  a change of stock ownership of the Company of a nature that would
               be required to be reported in response to Item 6(e) of Schedule
               14A promulgated under the Exchange Act, and any successor Item of
               a similar nature;

          (C)  the acquisition of beneficial ownership, directly or indirectly,
               by any person (as such term is used in Sections 13(d) and 14(d)
               of the Exchange Act) of securities of the Company representing 25
               percent or more of the voting power of the then outstanding
               securities of the Company;

          (D)  the stockholders of the Company shall approve (provided, however,
               if the transaction approved by the stockholders is subsequently
               terminated, and the Employee is still employed by the Company at
               the termination of the transaction, then no "Change in Control"
               shall be deemed to have taken place): (1) any consolidation,
               merger, share exchange or other extraordinary transaction related
               to the Company where the stockholders of the Company, immediately
               prior to the consolidation, merger, share exchange or other
               extraordinary transaction, would not immediately after the
               consolidation, merger, share exchange or other extraordinary
               transaction, beneficially own (as such term is defined in Rule
               13d-3 under the Exchange Act), directly or indirectly, shares
               representing in the aggregate 50 percent of the

                                       -4-

<PAGE>

               voting securities of the corporation issuing cash or securities
               in the consolidation, merger, share exchange or other
               extraordinary transaction (or of its ultimate parent corporation,
               if any), (2) any lease, exchange, mortgage or other transfer (in
               one transaction or series of transactions contemplated or
               arranged by any party as a single plan) of all or substantially
               all of the assets of the Company and its subsidiaries (taken as a
               whole), or (3) any plan or proposal for the liquidation or
               dissolution of the Company; or

          (E)  the following individuals cease for any reason to constitute a
               majority of the number of directors then serving: individuals
               who, on the date hereof, constitute the Board of Directors and
               any new director (other than a director whose initial assumption
               of office is in connection with an actual or threatened election
               contest, including but not limited to a consent solicitation,
               relating to the election of directors of the Company) whose
               appointment or election by the Board of Directors or nomination
               for election by the Company's stockholders was approved or
               recommended by a vote of at least two-thirds of the directors
               then still in office who either were directors on the date hereof
               or whose appointment, election or nomination for election was
               previously so approved or recommended.

     (iii) For purposes of this Agreement, "termination of employment,"
"termination of Employee" and "termination of this Agreement" shall have the
same meaning unless otherwise agreed to in writing by the parties hereto.

     (d) Severance Payments.

     (i) In the event of termination of the Employee by the Company without
cause or termination of this Agreement by Employee pursuant to Section 4(b)(i)
hereof, the Company shall: (A) pay to Employee an amount equal to one times the
Employee's annual salary in effect at the time of termination (not giving effect
to any salary reduction giving rise to such termination) and (B) either continue
the Employee's health (medical and dental) insurance as provided in Section 5(c)
for one year following the date of such termination to the extent permitted
under applicable law and the Company's group health insurance policies or
reimburse the Employee for her cost for comparable coverage to the extent such
coverage cannot be provided under such policies. Such severance pay shall be
payable in equal monthly installments over the one-year period beginning on the
date of termination of this Agreement and shall be subject to tax withholding to
the extent required under applicable law. Notwithstanding anything herein to the
contrary, the Company shall not be required to continue to

                                       -5-

<PAGE>

provide Employee with health benefits under this paragraph if Employee becomes
entitled to receive benefits substantially similar to those which Employee
otherwise would have been entitled to receive hereunder. This severance pay and
continuation of health benefits contemplated by this paragraph are agreed by the
parties hereto to be in full satisfaction and compromise of any claim arising
out of any termination of Employee's employment without cause or pursuant to
Section 4(b)(i).

     (ii) Notwithstanding anything herein to the contrary, in the event of
termination of the Employee by the Company without cause within the two-year
period following a Change in Control or termination by Employee under Section
4(b)(i) or (ii) of this Agreement, then in lieu of the severance pay and benefit
continuation provided in Section 4(d)(i) above, the Company shall: (A) pay to
Employee an amount equal to one and one-half times the Employee's annual salary
in effect at the time of termination (not giving effect to any salary reduction
giving rise to such termination), and (B) either continue the Employee's health
(medical and dental) insurance as provided in Section 5(c) for one and one-half
years following the date of such termination to the extent permitted under
applicable law and the Company's group health insurance policies or reimburse
the Employee for her cost for comparable coverage to the extent such coverage
cannot be provided under such policies. Such severance pay shall be payable in
equal monthly installments over the one and one-half year period beginning on
the date of termination of this Agreement and shall be subject to tax
withholding to the extent required under applicable law. Notwithstanding
anything herein to the contrary, the Company shall not be required to continue
to provide employee with health benefits under this paragraph if Employee
becomes entitled to receive benefits substantially similar to those which
Employee otherwise would have been entitled to receive hereunder.
Notwithstanding anything herein to the contrary, the Company shall not be
required to pay any amount (the "Excess Amount") that, upon advice of the
Company's independent tax advisor or counsel, would be in excess of 2.99 times
Employee's Base Amount, as defined in Section 280G(b)(3) of the Internal Revenue
Code of 1986, as amended (the "Code"), and, therefore, would trigger the tax
(the "Excise Tax") imposed by Section 4999 of the Code, unless Employee agrees
to be bound by the noncompetition provisions of Section 7 hereof for one
additional year following the termination. Payment of the Excess Amount shall be
consideration for the Employee agreeing to be bound by such noncompetition
provision for such additional year. Election by the Employee to receive the
Excess Amount and to be bound by the noncompetition provision shall be given in
writing to the Company not later than five days after the date on which the
Company notifies Employee in writing that an Excess Amount may be payable absent
such agreement and, upon receipt of such notice, the Company shall be obligated
to pay the Excess Amount to Employee.

     (e) Security Obligation. The Company shall establish and fund, not later
than 30 days prior to the consummation of a Change in Control, a grantor trust
in an amount

                                       -6-
<PAGE>

     sufficient to satisfy the Company's obligations under Section 4(d). If the
     Company fails to fund such trust within such thirty day period, the entire
     amount of the Company's severance obligations to the Employee will
     accelerate and become immediately due and payable.

          (f) Outplacement Services. If, pursuant to or within 24 months
     following a Change in Control, Employee terminates this Agreement pursuant
     to Sections 4(b)(i) or 4(b)(ii) or the Company terminates this Agreement
     without cause, the Company shall provide Employee with the services of an
     outplacement firm for a period of one year from the date of such
     termination.

5.   Compensation and Benefits.

          (a) Annual Salary. For all services rendered by Employee under this
     Agreement, the Company will pay Employee a base salary of at least
     ninety-six thousand dollars ($96,000) per annum in equal monthly
     installments, or a greater amount as determined by the Board of Directors
     of the Company.

          (b) Annual Bonus Payment. Upon completion of each fiscal year and as
     determined by the Board of Directors of the Company, Employee shall be
     eligible to receive a bonus ("Bonus") in accordance with any bonus plan
     then in effect for executives of the Company of equivalent position and
     title, provided Employee is employed by the Company at the end of such
     fiscal year. Notwithstanding anything herein to the contrary, Employee's
     bonus for any fiscal year ending after a Change in Control shall not be
     less than 30% of her base salary then in effect.

          (c) Other Benefits. Employee will be entitled to such fringe benefits
     as may be provided from time-to-time by the Company to its employees,
     including, but not limited to, group health insurance, disability, dental,
     retirement and any other fringe benefits now or hereafter provided by the
     Company to its employees, if and when Employee meets the eligibility
     requirements for any such benefit. The Company reserves the right to change
     or discontinue any employee benefit plans or programs now being offered to
     its employees; provided, however, that all benefits provided for employees
     of the same position and status as Employee will be provided to Employee on
     an equal basis and the aggregate of such benefits shall not be less than
     those currently in effect or otherwise be materially less favorable to the
     Employee.

          (d) Business Expenses. Employee will be reimbursed for all reasonable
     expenses incurred in the discharge of Employee's duties under this
     Agreement pursuant to the Company's standard reimbursement policies.

                                       -7-

<PAGE>

          (e) Vacation. Employee shall receive paid vacation annually in
     accordance with the Company's practices for employees of the Company of
     the same position and status as Employee.

          (f) Car Allowance. Employee shall receive a car allowance of $600 per
     month during the term of this Agreement. Employee otherwise shall bear all
     expenses and liabilities with respect to such car.

          (g) Withholding. The Company will deduct and withhold from the
     payments made to Employee under this Agreement, state and federal income
     taxes, FICA and other amounts normally withheld from compensation due
     employees.

6.   Non-Disclosure and Use of Confidential Information. Employee recognizes and
     acknowledges that the trade secrets and confidential information of the
     Company (the "Proprietary Information"), as they may exist from
     time-to-time, are valuable, special and unique assets of the Business.
     Employee further acknowledges that access to such Proprietary Information
     relating to the Business of the Company is essential to the performance of
     Employee's duties under this Agreement. Therefore, in order to obtain
     access to such Proprietary Information, Employee agrees that Employee will
     not, in whole or in part, disclose such Proprietary Information to any
     person, firm, corporation, association or any other entity for any reason
     or purpose whatsoever, nor will Employee make use of any such information
     for Employee's own purposes or for the benefit of any person, firm,
     corporation, association or other entity (except the Company). For purposes
     of this Agreement, the term "trade secrets" means the whole or any portion
     of any scientific or technical or non-technical information, design,
     process, procedure, formula, computer software product, documentation or
     improvement relating to the Business which: (1) derives economic value,
     actual or potential, from not being generally known to other persons who
     can obtain economic value from its disclosure or use; and (2) is the
     subject of efforts that are reasonable under the circumstances to maintain
     its secrecy or confidentiality. The term "confidential information" means
     any and all other data and information relating to the Business which: (1)
     has value to the Company; (2) is not generally known by its competitors or
     the public; and (3) is treated as confidential by me Company. The
     provisions of this Section 6 will apply during Employee's employment by the
     Company and, with respect to trade secrets, at any and all times thereafter
     and, with respect to confidential information, for three years thereafter.
     These restrictions will not apply to any Proprietary Information which: (i)
     is in the public domain, provided that Employee was not responsible,
     directly or indirectly, for such Proprietary Information entering the
     public domain without the Company's consent; (ii) becomes known to
     Employee, during the term of this Agreement, from a third party not known
     to Employee to be under a confidential relationship with the Company; or
     (iii) is required by law or governmental tribunal to be disclosed;
     provided, however, that if

                                       -8-

<PAGE>

     Employee is legally compelled to disclose any Proprietary Information,
     Employee will provide the Company with prompt written notice of such legal
     compulsion so that the Company may seek a protective order or other
     available remedy.

7.   (a)  Non-Competition Covenant. During the term of this Agreement and for a
          period of one year following termination of this Agreement for any
          reason, Employee will not, directly or indirectly, on Employee's own
          behalf or in the service of or on behalf of any other individual or
          entity, compete with the Company in the Business within the
          Geographical Area (as hereinafter defined). The term "compete" means
          to engage, directly or indirectly, on Employee's own behalf or in the
          service of or on behalf of any other individual or entity, either as a
          proprietor, employee, agent, independent contractor, consultant,
          director, officer, partner or stockholder (other than a stockholder of
          a corporation listed on a national securities exchange or whose stock
          is regularly traded in the over-the-counter market, provided that
          Employee at no time owns, directly or indirectly, in excess of five
          percent of the outstanding stock of any class of any such corporation)
          in providing management, executive, marketing, or other services. For
          purposes of this Agreement, the term "Geographical Area" means those
          areas in the United States and in foreign countries in which Employee
          is or has engaged in providing or marketing Business products or
          services as of the date of this Agreement. The Geographical Area
          currently includes Alabama, Arkansas, Colorado, Florida, Georgia,
          Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Mississippi,
          Missouri, New Jersey, North Carolina, Ohio, Oklahoma, Pennsylvania,
          South Carolina, Tennessee, Texas, Virginia and West Virginia. The
          Company may, from time to time and after giving Employee notice (but
          only while the Employee is employed by the Company), amend this
          Agreement to expand the Geographical Area to include additional areas
          in which the Company may conduct the Business after the date hereof.

     (b)  Non-interference. During the term of this Agreement and for a period
          of one year following termination of this Agreement for any reason,
          Employee will not, directly or indirectly, on Employee's own behalf or
          in the service of or on behalf of any other individual or entity,
          interfere with, disrupt, or attempt to disrupt the past, present or
          prospective relationships, contractual or otherwise, between the
          Company and any supplier, consultant, or client of the Company with
          whom Employee had material business contact during the two-year period
          ending on the date of the termination of this Agreement. The term
          "prospective relationship" is defined as any relationship where the
          Company has actively sought an individual or entity as a prospective
          supplier, consultant, or client.

                                       -9-

<PAGE>

     (c)  Construction. The parties hereto agree that any judicial authority
          construing all or any portion of this Section 7 or Section 8 below
          will be empowered to sever any portion of the Geographical Area,
          Business or time period, client base, prospective relationship or
          prospect list or any prohibited business activity from the coverage of
          such Section and to apply the provisions of such Section to the
          remaining portion of the Geographical Area, Business or time period,
          the client base or the prospective relationship or prospect list, or
          the remaining business activities not so severed by such judicial
          authority. In addition, it is the intent of the parties that the
          judicial authority replace each such severed provision with a
          provision as similar in terms to such severed provision as may be
          possible and be legal, valid and enforceable. It is the intent of the
          parties that Sections 7 and 8 be enforced to the maximum extent
          permitted by law. In the event that any provision of either such
          Section is determined not to be specifically enforceable, the Company
          shall nevertheless be entitled to bring an action to seek to recover
          monetary damages as a result of the breach of such provision by
          Employee.

8.   Non-Solicitation of Employees Covenant. Employee further agrees and
     represents that during Employee's employment by the Company and for a
     period of two years following any termination of this Agreement for
     whatever reason, Employee will not, directly or indirectly, on Employee's
     own behalf or in the service of, or on behalf of any other individual or
     entity, divert or solicit, or attempt to divert or solicit, to or for any
     individual or entity which is engaged in providing Business services, any
     person employed by the Company (a) who was employed by the Company during
     the two-year period ending on the date of the termination of this Agreement
     and (b) with whom Employee was familiar, whether or not such employee is a
     full-time employee or temporary employee of the Company, whether or not
     such employee is employed pursuant to a written agreement and whether or
     not such employee is employed for a determined period or at-will, except as
     agreed to by the Company.

9.   Existing Restrictive Covenants. Employee represents and warrants that
     Employee's employment with the Company does not and will not breach any
     agreement which Employee has with any individual or entity to keep in
     confidence confidential information or not to compete with any such
     individual or entity. Employee will not disclose to the Company or use on
     either of their behalf any confidential information of any other party
     required to be kept confidential by Employee.

10.  Return of Confidential Information. Employee acknowledges that as a result
     of Employee's employment with the Company, Employee may come into the
     possession and control of Proprietary Information, such as proprietary
     documents, drawings, specifications, manuals, notes, computer programs, or
     other proprietary material. Employee acknowledges, warrants and agrees that
     Employee will return to the Company all such items and any copies or
     excerpts thereof, and any other properties,

                                      -10-

<PAGE>

     client lists, client contracts, files or documents obtained as a result of
     Employee's employment with the Company, immediately upon the termination of
     Employee's employment with the Company.

11.  Remedies. Employee agrees and acknowledges that the violation of any of the
     covenants or agreements contained in Sections 6, 7, 8, 9 and 10 of this
     Agreement would cause irreparable injury to the Company, that the remedy at
     law for any such violation or threatened violation thereof would be
     inadequate, and that the Company will be entitled, in addition to any other
     remedy, to temporary and permanent injunctive or other equitable relief
     without the necessity of proving actual damages including, without
     limitation, the right to terminate all payments under this Agreement.
     Sections 4, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15,16, and 17 of this Agreement
     shall survive termination of the Employee's employment under this
     Agreement.

12.  Notices. Any notice or communication under this Agreement will be in
     writing and sent by registered or certified mail addressed to the
     respective parties as follows:

     If to the Company:                 If to the Employee:

     CompDent Corporation               Karen B. Mitchell
     100 Mansell Court East, Suite 400  77 East Andrews Dr. N.W.
     Roswell, Georgia 30076             Apartment 329
     Attention: David R. Klock          Atlanta, GA 30305

13.  Severability. Subject to the application of Section 7(c) to the
     interpretation of Sections 7 and 8, in case one or more of the provisions
     contained in this Agreement is for any reason held to be invalid, illegal
     or unenforceable in any respect, the same will not affect any other
     provision in this Agreement, and this Agreement will be construed as if
     such invalid or illegal or unenforceable provision had never been contained
     therein. It is the intent of the parties that this Agreement be enforced to
     the maximum extent permitted by law.

14.  Entire Agreement. This Agreement embodies the entire agreement of the
     parties relating to the subject matter hereof and supersedes all prior
     agreements, oral or written, regarding such subject matter. Except as
     otherwise provided in Section 7(a) of this Agreement, no amendment or
     modification of this Agreement will be valid or binding upon the parties
     unless made in writing and signed by the parties.

15.  Binding Effect. This Agreement will be binding upon the parties and their
     respective heirs, representatives, successors, transferees and permitted
     assigns, as applicable.

                                      -11-

<PAGE>

16.  Assignment. This Agreement is one for personal services and is not
     assignable by Employee. The Company may assign this Agreement to any of its
     affiliates; provided that the Company shall remain liable for the
     obligations of its affiliates under this Agreement.

17.  Governing Law. This Agreement is entered into and will be interpreted and
     enforced pursuant to the laws of the State of Delaware. The parties hereto
     hereby agree that the appropriate forum and venue for any disputes between
     any of the parties hereto arising out of this Agreement shall be any
     federal court in the State of Delaware and each of the parties hereto
     hereby submits to the personal jurisdiction of any such court. The
     foregoing shall not limit the rights of any party to obtain execution of
     judgment in any other jurisdiction. The parties further agree, to the
     extent permitted by law, that a final and unappealable judgment against
     either of them in any action or proceeding contemplated above shall be
     conclusive and may be enforced in any other jurisdiction within or outside
     the United States by suit on the judgment, a certified or exemplified copy
     of which shall be conclusive evidence of the fact and amount of such
     judgment.

                                      -12-

<PAGE>

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the day
and year first above written.

COMPDENT CORPORATION                    KAREN B. MITCHELL

By: /s/ David Klock                     By: /s/ Karen B. Mitchell
    ---------------------------------       ------------------------------------
Title: CEO

                                      -13-

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