Document:

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                                                                   EXHIBIT 10.15

                           BUSINESS SERVICES AGREEMENT

         THIS BUSINESS SERVICES AGREEMENT, as amended and restated
("Agreement"), effective as of September 1, 1994 (the "Effective Date"), by and
among ORTHODONTIC CENTERS OF GEORGIA, INC., a Delaware corporation ("OCS");
HECTOR M. BUSH, D.M.D., an individual residing in the State of Georgia ("Dr.
Bush"), and HECTOR M. BUSH, P.C., (the "PC" and together with Dr. Bush, the
"Orthodontic Entity") (OCS, Dr. Bush and the PC also sometimes hereinafter
referred to individually as a "Party" and collectively as the "Parties").

                                    RECITALS:

         WHEREAS, the Orthodontic Entity owns and operates a professional
orthodontic practice (the "Practice") with offices located in the facilities
identified in Exhibit 1.3 and furnishes orthodontic care to the general public
through the services of Dr. Bush and such other orthodontist(s) and dentists who
may be employed by the PC from time to time;

         WHEREAS, Dr. Bush is an orthodontic dentist who is duly licensed to
practice orthodontic dentistry in the State of Georgia;

         WHEREAS, Dr. Bush is the sole owner of the PC;

         WHEREAS, OCS is a wholly owned subsidiary of Orthodontic Centers of
America, Inc. ("OCA"). OCS and OCA have expertise in providing non-clinical,
non-professional business services to orthodontic and dental practices;

         WHEREAS, the Orthodontic Entity wants OCS to provide it with all of the
non-clinical, non-professional business services required by the Orthodontic
Entity for the operation of the Practice, in order to help the Orthodontic
achieve the Orthodontic Entity's goals of increasing the business efficiency of
and patient satisfaction with the Practice, and enhancing the growth and
development of the Practice; and

           WHEREAS, at all times, the Orthodontist shall exercise independent
clinical judgment and shall retain sole authority and responsibility for all
professional dental acts in connection with the operation of Practice.

         NOW THEREFORE, in consideration of the foregoing, and of the mutual
covenants and agreements herein contained, the Parties agree as follows:

              I. NO ACTIONS CONSTITUTING THE PRACTICE OF DENTISTRY.

         The Parties expressly agree that OCS is not authorized or qualified to
engage in the practice of dentistry, as defined under the laws of the State of
Georgia ("Practice of Dentistry"). If a court or other governmental authority of
competent jurisdiction makes a final decision that any term of this Agreement
causes OCS to engage in the Practice of Dentistry or otherwise violate the
dental practice laws of the State of Georgia ("Dental Practice Laws") or if
legal counsel to OCS and the Orthodontist mutually agree to the same, then such
term shall be deemed waived and unenforceable and its nonperformance shall not
constitute a breach or default of this Agreement. Additionally, the Parties
shall reform this Agreement as provided for in Section 7.12.

                           II. RESPONSIBILITIES OF OCS

         2.1. General. OCS shall provide the Orthodontic Entity with
comprehensive administrative, business, and marketing support and advice, and
such facilities, equipment, and support personnel as reasonably required by the
Orthodontic Entity to operate its practice, as determined by the Orthodontic
entity in consultation with OCS, including without limitation the specific
services discussed hereinafter in this Article II of this Agreement. (The
services provided by OCS to the Orthodontic Entity under this Agreement are
collectively referred to as the

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"Business Services".) The Orthodontic Entity hereby engages OCS to be its sole
and exclusive agent and provider of the Business Services during the term of
this Agreement.

         2.2. Offices

         (a) Lease/Sublease of Office(s). OCS, or an entity retained by OCS,
shall lease or otherwise arrange for the offices facilities in which the
Practice is operated, subject to the approval of the Orthodontic Entity (which
will not be unreasonably withheld or delayed) (each such office facility is
individually referred to as an "Office" and all such office facilities are
collectively referred to as the "Offices" or the "Center"). OSC shall and hereby
does sublease each Office to the Orthodontic Entity in accordance with the terms
of this Agreement. The Orthodontic Entity shall hereby and does sublease each
Office from OCS subject to terms, covenants and conditions of the "Primary
Lease" (as defined hereinafter) for that Office, except the terms of this
Agreement are hereby expressly incorporated into and shall control any
inconsistency with such Primary Lease(s). For the purposes of this Agreement, a
"Primary Lease" means the Lease Agreement between OCS, or an affiliate of OCS,
and the lessor or landlord of each Office, for an Office, including any
amendments, modifications or other written terms, covenants and conditions.

         (b) Office Upkeep. OCS shall be responsible for maintaining the Offices
in good working order, condition and repair. OCS shall pay rental and other
payments due under each Primary Lease to the applicable Landlord. Rental, other
payments due under each Primary Lease, and any maintenance costs and expenses
shall be deemed a Center Expense and included in the Base Management Fees.

         (c) Use of Office(s). The Orthodontic Entity shall use the Offices
exclusively for the operation of the Practice, except as expressly agreed to by
OCS in writing in advance.

         (d) Term of Sublease. The term of the sublease for a particular Office
shall be the lesser of the term of this Agreement or the term of the Primary
Lease for the Office, unless terminated earlier as provided herein.

         (e) Offices Included in Agreement. Unless and until the Parties
mutually agree otherwise, this Agreement shall include the two Offices
identified in Exhibit 2.2 attached hereto. This Agreement shall also include any
new or different offices that are added to this Agreement in accordance with
Subsection 2.3(f) immediately below ("New Office(s)").

         (f) Addition and Removal of Offices from Agreement. New Offices may be
added to this Agreement only with the mutual, written consent of the Parties.
Existing Offices (including any Original Offices) may be removed from this
Agreement only with the mutual, written consent of the Parties. If the Parties
mutually agree in writing to add a New Office or remove an existing Office from
this Agreement, this Agreement shall be automatically amended to include the New
Office or remove the existing Office, as appropriate. Whenever a Primary Lease
for an Office is entered into or terminated, Exhibit 1.3 shall be automatically
amended to include or delete the address for that Office, as appropriate.

         2.3. Equipment, Furniture and Improvements.

         (a) Lease of Furniture, Fixtures and Equipment. OCS shall provide the
Orthodontic Entity with all of the furniture, fixtures, other leasehold
improvements and equipment reasonably required by the Orthodontic Entity for the
operation of the Practice during the term of this Agreement. (The furniture,
fixtures, other leasehold improvements and equipment provided by OCS to the
Orthodontic Entity are collectively referred to as the "Furniture, Fixtures and
Equipment".) OCS shall hold title to and be the owner of the Furniture, Fixtures
and Equipment, and shall and hereby does lease to the Orthodontic Entity all of
the Furniture, Fixtures and Equipment during the term hereof. The Orthodontic
Entity shall and hereby does lease and thereby obtain exclusive custody of and
control over the Furniture, Fixtures and Equipment during the term hereof,
subject to the terms of this Agreement; however, the Orthodontic Entity agrees
not to remove the Furniture, Fixtures and Equipment from the Offices.

         (b) Related Services. In addition to the duties referred to in
subsection (a) above, OCS shall be responsible for acquiring new Furniture,
Fixtures and Equipment in consultation with and subject to the approval of

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the Orthodontic Entity (which will not be unreasonably withheld or delayed);
maintaining the Furniture, Fixtures and Equipment in good working order,
condition and repair; paying all license fees, assessments, charges and taxes
imposed upon the ownership, leasing, sale, possession or use of the Furniture,
Fixtures and Equipment; and insuring the Furniture, Fixtures and Equipment
against risks of loss or damage.

         (c) Agreement Concerning Costs and Expenses. The cost and expense for
the maintenance and repair of Furniture, Fixtures and Equipment and all fees,
assessments, charges, expenses and taxes and all insurance premiums paid by OCS
on the Furniture, Fixtures and Equipment, whether or not the Furniture, Fixtures
and Equipment is acquired during the term of this Agreement, are and shall be a
Center Expense and shall be included in the Base Management Fees.

         2.4. Personnel and Payroll. The Parties expressly acknowledge and agree
that the Orthodontic Entity shall exercise control over all decisions relating
to office personnel and hours of practice. Subject to the foregoing, OCS shall
consult with and advise the Orthodontic Entity on the Center's staffing needs
and on the hiring and employment of the Center's staff. OCS shall employ all of
the Center's staff, except for orthodontists, dentists and dental hygienists, if
any. Additionally, OCS shall be responsible for staff scheduling and for the
performance of all payroll and payroll accounting functions. OCS shall advise
the Orthodontic Entity on the establishment of incentive and profit sharing
plans for the Center's staff to reward individuals for contributing to increased
productivity in the Center.

         2.5. Computer Systems. OCS will provide the Orthodontist with computer
software and systems and computer-related services including the following: use
during the term of this Agreement of the OCA Software and Documentation (as
defined hereinafter), error corrections, bug fixes, patches and other updates to
the OCA Software; provision of the computer-related Documentation; support and
assistance in installing and running the OCA Software; programming changes;
advice and assistance in procuring any new or additional computer hardware
required for the Practice; and all other computer-related services reasonably
required for the day-to-day operations of the Practice from time to time. For
the purposes of this Agreement, "Documentation" means all manuals, user
documentation and other related materials, as may be amended, supplemented or
modified from time to time by OCS, pertaining to the OCA Software, which are
furnished to the Orthodontist by OCS in connection with the OCA Software. "OCA
Software" means (i) the computer programs in machine readable object code form,
and (ii) the Internet based software and data, and any subsequent error
corrections, bug fixes, patches, updates or other modifications supplied to the
Orthodontist by OCS pursuant to this Agreement.

           2.6. Purchasing and Inventory Maintenance. In consultation with the
Orthodontic Entity, OCS shall be responsible for the performance of the
Orthodontic Entity's purchasing and inventory maintenance functions, including
the following: purchasing services for all inventory and supplies required by
the Orthodontic Entity for the Practice; negotiations with vendors to obtain
discounts on supplies and inventory (all discounts will be passed through to the
Orthodontic Entity); inventory management services for all inventory and
supplies maintained by the Orthodontic Entity for the Practice; and all other
related purchasing and inventory management services reasonably required for the
day-to-day operations of the Practice from time to time. However,
notwithstanding anything to the contrary, and, consistent with the provisions of
Section 2.1, the Orthodontic Entity will have sole authority over and
responsibility for all decisions concerning the inventory and supplies to be
utilized by the Practice (i.e., the Orthodontic Entity will not be required by
OCS to utilize any particular type of inventory or supply, or order any specific
quantity of any inventory or supply). Additionally, the Orthodontic Entity shall
be responsible for oversight and supervision with respect to all clinical
supplies, as required under applicable law.

         2.7. Bookkeeping and Accounting and Related Services. OCS shall provide
the Orthodontist with all bookkeeping and accounting and related financial
services reasonably required for the day-to day operations of the Practice,
including the following: bookkeeping and accounting services; administration and
payment of accounts and trade payables; payroll administration services;
preparation of monthly, quarterly and annual financial statements and related
reports, which shall reasonably summarize the Practice's financial operations;
audits; bank statement reconciliations; financial statement reconciliations; and
all other related bookkeeping, accounting and financial management services as
may reasonably be required for the day-to-day operations of the Practice from
time to time.

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         2.8. Legal Compliance and Services. OCS shall provide the Orthodontist
with legal services for the Practice's routine operations (but not including
professional liability or malpractice defense).

         2.9. Marketing. The Parties expressly acknowledge and agree that the
Orthodontic Entity shall exercise control over all policies and decisions
relating to pricing, credit, refunds, warranties and advertising. Subject to the
foregoing, in consultation with the Orthodontic Entity, OCS shall design and
execute a marketing plan to promote the Orthodontist's professional services.
Such marketing plan may include, as OCS and the Orthodontic Entity determine to
be appropriate, newspaper, yellow pages, and radio and television advertising,
special promotions and pricing programs, and direct marketing to employers,
insurance companies, and other payers. In connection with such marketing plan,
OCS shall advise the Orthodontic Entity in establishing and maintain on behalf
of the Orthodontic Entity a plan for patients' payment for orthodontic services
on an installment plan basis. All marketing activities hereunder shall be
conducted in compliance with all applicable laws and regulations governing
advertising by the dental profession.

         2.10. Planning. OCS will assess the potential of and advise the
orthodontic Entity on the establishment of New Offices, and will provide
assistance to the Orthodontic Entity in the opening of such New offices,
including assistance in the location of such Offices and in the sale of existing
Offices, as appropriate.

         2.11. Billing and Collections and Related Services. OCS shall be
responsible for (i) billing and collecting payments for all professional
services rendered by the Orthodontist(s) or clinical staff to patients, with all
such billing and collecting to be done in the name of the Orthodontic Entity;
(ii) receiving payments from patients, insurance companies and all other third
party payers; (iii) taking possession of and endorsing in the name of the
Orthodontic Entity any notes, checks, money orders, insurance payments and other
instruments received in payment of accounts receivable; (iv) performance of all
payroll functions; (v) preparing and submitting to the Orthodontist monthly
operating data and quarterly financial reports with respect to the operations of
the Center; and (vii) paying all Center Expenses, as set forth in Section 4.1.
No funds from the Medicare and Medicaid programs shall be billed or collected by
the Orthodontic Entity. The Orthodontic Entity hereby appoints OCS for the term
of this Agreement to be its true and lawful attorney-in-fact for the purposes
set forth above in this section.

         2.12. Handling of Practice Funds

         (a) Orthodontic Entity Account. All monies collected for the
Orthodontic Entity by OCS pursuant to Section 2.12 above shall be deposited into
an account (the "Orthodontic Entity Account") with a bank whose deposits are
insured with the Federal Deposit Insurance Corporation. The Orthodontic Entity
Account shall contain the name of the Orthodontic Entity, but OCS shall make all
disbursements therefrom. OCS shall account for all monies so disbursed from the
Orthodontic Entity Account. (The funds deposited into the Orthodontic Entity
Account, after their deposit, are defined as the "Practice Funds".) From time to
time, the Practice Funds may be transferred by OCS from the Orthodontic Entity
Account to central bank accounts of OCS and OCA and aggregated with other funds
maintained in such account(s).

         (b) Authorized Payments. The Practice Funds will be applied for the
following purposes and in the following order of priority: (i) payment of the
Orthodontic Entity's management and service fees, as provided for in Article IV;
(ii) payment of any loan repayment obligations or other liabilities of the
Orthodontic Entity to OCS under this; and (iii) distribution to the Orthodontic
Entity of the sums provided for in Section 4.1(a)(ii)(1) and (2). (These
payments and distributions are collectively defined as the "Authorized
Payments".)

         (c) Agreements Concerning Orthodontic Entity Account. During the term
of this Agreement, OCS shall have signatory authority over the Orthodontic
Entity Account, and shall be responsible for making the Authorized Payments (to
the extent Practice Funds are available for these payments). OCS covenants and
agrees that it will make the Authorized Payments in accordance with the terms of
this Agreement. Until OCS completes a final audit and accounting, the
Orthodontic Entity shall not make any withdrawals from the Practice Funds, make
any modification to the Orthodontic Entity Account or close the Orthodontic
Entity Account without the prior express written consent of OCS. The Orthodontic
Entity acknowledges and agrees that these controls are necessary in order for
OCS to perform the Business Services and to assure that the Authorized Payments
will be applied as provided for in this Agreement. In the event the funds in the
Orthodontic Entity Account will, at any time, be insufficient to cover current
expenses, OCS shall notify the Orthodontic Entity and OCS may advance to the

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Orthodontic Entity the necessary funds to pay current expenses for the benefit
of the Orthodontic Entity, which advances will be deemed to be loans to the
Orthodontic Entity to be repaid upon such terms and at such rate of interest as
agreed to by the Orthodontic Entity and OCS, which indebtedness shall be deemed
a Center Expense for purposes of Article IV hereof.

                   III. OBLIGATIONS OF THE ORTHODONTIC ENTITY

         3.1. The Orthodontic Entity's Control over Practice of Dentistry. The
Orthodontic Entity shall have complete and sole responsibility, authority and
control of the Practice of Dentistry in connection with the Practice's
operations, including without limitation: employment, hiring, termination and
compensation of all Professional Staff; rendering of all professional
orthodontic and dental services to patients; professional supervision of all
Professional Staff and Office Staff; examination, diagnosis and treatment of all
patients; decisions concerning types of orthodontic and dental services to be
provided to patients; selection of the drugs, supplies and equipment to be used
in the rendering of orthodontic and dental services to patients; decisions
concerning amount of fees to be charged for orthodontic and dental goods and
services, refunds and credit terms; preparation and maintenance of all the
Patient Records (discussed further in Section 2.3; exercise of independent
judgment regarding patient diagnosis and treatment; and ownership and
proprietorship of the Practice.

         3.2. Practice Management and Approval of Certain Business Operations.
Notwithstanding the authority granted to OCS pursuant to Article II of this
Agreement, it is expressly acknowledged and agreed by the Parties that the
Orthodontic Entity shall be solely responsible for the management of the
Practice, including approval over the following matters (in addition to the
Practice of Dentistry, as discussed in Section 2.1), provided that such approval
shall not be unreasonably withheld by the Orthodontic Entity: hiring,
termination compensation of all professional employees of the PC ("Professional
Staff") and all other staff of the Practices who are employed at the Offices
("Office Staff"); the entering into and termination of Primary Leases; decisions
concerning Office layouts; the acquisition of Furniture, Fixtures and Equipment;
and advertising content.

         3.3. Patient Records and Professional Assets. The Orthodontic Entity
shall have sole and exclusive responsibility to prepare and maintain accurate,
complete and timely dental records on all patients of the Practice ("Patient
Records"), in compliance with all applicable federal, state and local laws and
regulations. The Patient Records and other Professional Assets shall be the
property and remain under the control and custody of the Orthodontic Entity at
the Offices at all times during the term of this Agreement. OCS's access to the
Patient Records shall be subject to all applicable laws and regulations
governing the confidentiality of such records.

         3.4. Compliance with Applicable Laws and Standards. The Orthodontic
Entity shall be responsible for assuring that at all times during the term of
this Agreement (i) the Professional Staff are in compliance and good standing
under all applicable Dental Practice Laws, dental professional and ethical
standards and any other state or federal laws or regulations; (ii) the
Professional attend continuing professional education courses and participate in
quality assurance/utilization review programs as required under applicable
professional licensing and accreditation laws and programs; and (iii) the
Orthodontic Entity is in compliance with any other federal, state and local laws
and regulations applicable to the operations of the Practice, including without
limitation all applicable federal, state and local laws and regulations
respecting employment, employment practices, discrimination, reimbursement, and
sexual harassment. The Orthodontic Entity shall immediately inform OCS of any
legal action against the Orthodontic Entity, the Professional Staff of the
Office Staff ("Legal Action"), and the Orthodontic Entity shall immediately
disclose all underlying facts, documents and circumstances related to or
associated with the Legal Action. The Orthodontic Entity shall immediately
report to OCS deficiencies discovered in the performance of any of the
Professional Staff and shall take appropriate action to immediately remedy such
deficiencies.

         3.5. Operating Schedule. The Orthodontic Entity covenants and agrees
that throughout the term of this Agreement (i) it will operate the Practice as a
full-time business; (ii) the Offices will be open to the public at hours
reasonably convenient to the public and sufficient to meet patient needs; and
(iii) Dr. Bush will provide professional orthodontic services to the patients of
the Practice on a full-time basis (except for reasonable vacations, holidays,
sick days and personal days, and community service, civic and charitable
activities).

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         3.6. Professional Expenses. The Orthodontic Entity shall be solely
responsible for the cost of professional licensure fees and board certification
fees, membership in professional associations, and continuing professional
education incurred by Dr. Bush and all other Professional Staff of the Practice.

         3.7. Professional Insurance Eligibility. The Orthodontic Entity shall
cooperate in the obtaining and retaining of professional liability insurance by
assuring that each of its Orthodontists is insurable, and participating in an
on-going risk management program.

         3.8. Joint and Several Liability of Dr. Bush and the PC. Dr. Bush and
the PC mutually agree that all obligations, duties and liabilities of the
Orthodontic Entity under this Agreement shall be the joint and several
obligations, duties and liabilities of Dr. Bush and the PC, unless expressly
provided for otherwise. Dr. Bush hereby personally guarantees the PC's
performance of its obligations, duties and liabilities under this Agreement.

                           IV. FINANCIAL ARRANGEMENTS

         4.1. Management Fees: OCS shall receive a Base Management Fee and, as
provided for below, and an Additional Management, as follows, subject to the
provisions of Section 4.4 below:

         (a)      A Base Management Fee equal to the result of:

                  (i)      the sum of (1) 24.12% of the Initial Monthly Contract
                           Balances and (2) the Monthly Contract Residuals; less

                  (ii)     the sum of (1) 50% of Net Operating Margin, as
                           calculated on the cash method of accounting, and (2)
                           $83.33 (or such other agreed upon amount) per Patient
                           Hour (together, the "Base Management Fee"); and

                  (iii)    the Lease Amounts as defined below;

         (b)      commencing on the first anniversary of this Agreement, an
                  Additional Management Fee of $-0-; and

         (c)      payments due under all leases executed by the Orthodontic
                  Entity pursuant to Sections 2.3 and 2.4 (the "Lease Amounts");

         (d)      except as otherwise provided, the amounts to be paid to OCS
                  under this Section 4.1 shall be payable monthly. The amounts
                  shall be estimated based upon the previous month's operating
                  results of the Center. Adjustments to the estimated payments
                  shall be made to reconcile actual amounts due under this
                  Section 4.1, by the end of the following month. Upon
                  preparation of quarterly financial statements, final
                  adjustments to the service fee for the quarter shall be made
                  and any additional payments owing to OCS or the Orthodontic
                  Entity shall then be made. Any audit adjustments shall be
                  reflected in the calculations for the fourth quarter.

         4.2. Accounts Receivable. On approximately the first business day of
each month, OCS shall purchase the accounts receivable of the Orthodontic Entity
arising during the previous month, by payment of cash, or other readily
available funds into an account of the Orthodontic Entity. The consideration for
the purchase shall be an amount equal to all fees accrued and booked each month
(net of Adjustments) less the Base Management Fee and the Additional Management
Fee, if applicable, due to OCS under Section 4.1 above.

         4.3. Center Expenses. OCS shall be responsible for the payment of all
Center Expenses, as defined below, during the term of this Agreement without
reimbursement by the Orthodontic Entity, unless otherwise agreed to by the
Parties.

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         4.4. Definitions. For the purposes of this Agreement, the following
definitions shall apply:

              (a)      "Adjusted Gross Center Revenue" shall mean Gross Revenue
                       of the Center less any Adjustments.

              (b)      "Adjustments" shall mean any adjustments to Gross
                       Revenues for uncollectible accounts, professional
                       courtesies and other activities that do not generate a
                       collectible fee.

              (c)      "Center Expenses" shall mean all operating and
                       non-operating expenses incurred in the operation of the
                       Center, including, without limitation:

                       (i)      Salaries, benefits, and other direct costs of
                                all employees of OCS at the Center, including
                                dental assistants (but excluding all
                                Orthodontists);

                       (ii)     Direct costs of all employees or consultants of
                                OCA who provide services at or in connection
                                with the Center required for improved clinic
                                performance, such as work management, materials
                                management, purchasing, charge and coding
                                analysis, and business office consultation;

                       (iii)    Corporate overhead charges or any other expenses
                                of OCA or any corporation affiliated with OCA
                                other than the kind of items listed above;

                       (iv)     Personal property and intangible taxes assessed
                                against OCS's assets used in connection with the
                                operation of the Center, commencing on the date
                                of this Agreement;

                       (v)      Interest expense on indebtedness incurred by OCS
                                or OCA to finance any of its obligations
                                hereunder or services provided hereunder;

                       (vi)     Malpractice insurance expenses and Orthodontist
                                recruitment expenses;

                       (vii)    In the event an opportunity arises for
                                additional Orthodontists to become employed by
                                or merge with the Orthodontic Entity, actual
                                out-of-pocket expenses of OCS or OCA personnel
                                working on a specified merger, whether or not
                                such merger is completed;

                       (viii)   Amortization of intangible asset value as a
                                result of each such merger;

                       (ix)     Repayment of any funds loaned to the Orthodontic
                                Entity by OCS or OCA in connection with the
                                operation of the Center;

                       (x)      Other expenses incurred by OCS in carrying out
                                its obligations under this Agreement; and

                       (xi)     Other expenses incurred by OCS in carrying out
                                its obligations under this Agreement.

         "Center Expenses" shall not include:

                       (i)      Any federal or state income taxes; or

                       (ii)     Any expenses which are expressly designated
                                herein as expenses or responsibilities of the
                                Orthodontic Entity.

              (d)      "Contract" shall mean this Agreement entered into by
                       patients with the Orthodontic Entity for the provision of
                       orthodontic services at a predetermined fee for an
                       estimated period of treatment.

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              (e)      "Gross Revenue" shall mean all fees and charges recorded
                       or booked each month (net of Adjustments) by or on behalf
                       of the orthodontic Entity as a result of professional
                       orthodontic services personally furnished to patients by
                       the Orthodontist and other fees or income generated in
                       their capacity as a professional prior to any
                       Adjustments.

              (f)      "Initial Monthly Contract Balances" shall mean the
                       aggregate of the total value of the new contracts entered
                       into by patients each month with the Orthodontic Entity
                       for the provision of orthodontic services.

              (g)      "Monthly Contract Residuals" shall mean the lesser of (i)
                       the result of 75.88% of the Initial Monthly Contract
                       Balances divided by the number of months of treatment
                       provided for in the Contract less 1, or (ii) the
                       remaining balance due under the Contract divided by the
                       remaining term of this Agreement.

              (h)      "Net Operating Margin" shall mean the result of Adjusted
                       Gross Center Revenue less (i) Center Expenses, (ii) an
                       amount equal to $22.22 per Patient Hour and (iii) salary
                       expenses paid by the Orthodontic Entity to the
                       Orthodontist for services provided at the Center, which
                       amount shall be equal to $83.33 (or such other amount)
                       per Patient Hour in accordance with the employment
                       agreement entered into by the Orthodontist with the
                       Orthodontic Entity, and (iv) any debt service related to
                       the Center.

              (i)      "Orthodontic Service Revenue" shall mean all fees and
                       charges actually recorded or booked each month (net of
                       Adjustments) by or on behalf of the Orthodontic Entity as
                       a result of professional orthodontic services personally
                       furnished to patients by Orthodontic Entities and other
                       fees or income generated in their capacity as
                       professionals.

              (j)      "Patient Hour" shall mean each hour of operation of the
                       Center during which patients of the Orthodontist are
                       being treated

         4.5. Additional Offices. In the event the Parties agree to add any New
Offices in which the Orthodontic Entity will provide services, the management
fees payable to OCS shall be determined by aggregating the results of the
operations of each such New Office with the results of the operations of the
existing Offices, and such fees payable to OCS shall be calculated pursuant to
the provisions of Sections 4.1(b) and (c). All other provisions of this Article
IV shall apply to any such New Offices.

                           V. INSURANCE AND INDEMNITY

         5.1. Insurance to be Maintained by the Orthodontic Entity. Throughout
the term of this Agreement, the Orthodontic Entity shall maintain comprehensive
professional liability insurance with limits of not less than Five Hundred
Thousand Dollars ($500,000) per claim and with aggregate policy limits of not
less than One Million Dollars ($1,000,000) per orthodontist and dentist
providing services at the Center and a separate limit for the Orthodontic
Entity. The Orthodontic Entity shall be responsible for all such liabilities in
excess of the limits of such policies. OCS agrees to negotiate for and cause
premiums to be paid with respect to such insurance. Premiums and deductibles
with respect to such policies shall be a Center Expense.

         5.2. Insurance to be Maintained by OCS. Throughout the term of this
Agreement, OCS will use reasonable efforts to provide and maintain, as a Center
Expense, (i) comprehensive professional liability insurance for all professional
employees of OCS with limits as determined reasonable by OCS; and (ii)
comprehensive general liability and property insurance covering the Center
premises and operations.

         5.3. Tail Insurance Coverage. The Orthodontic Entity will cause each
individual orthodontist and dentist providing services at the Center to enter
into an agreement with the Orthodontic Entity that upon termination of such
orthodontist's or dentist's relationship with the Orthodontic Entity, for any
reason, tail insurance coverage will be purchased by each orthodontist and
dentist. Such provisions may be contained in employment agreements, restrictive
covenant agreements or other agreements entered into by the Orthodontic Entity
and the individual

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orthodontists or dentists, and the Orthodontic Entity hereby covenants with OCS
to enforce such provisions relating to the tail insurance coverage or to provide
such coverage at the expense of the Orthodontic Entity.

         5.4. Additional Insureds. The Orthodontic Entity and OCS agree to use
their reasonable efforts to have each other named as an additional insured on
the other's respective professional liability insurance programs.

         5.5. Indemnification. The Orthodontic Entity shall indemnify, hold
harmless and defend OCS, its officers, directors, shareholders and employees,
from and against any and all liability, loss, damage, claim, causes of action,
and expenses (including reasonable attorneys' fees), whether or not covered by
insurance, caused or asserted to have been caused, directly or indirectly, by or
as a result of the performance of medical or orthodontic services or the
performance of any intentional acts, negligent acts or omissions by the
Orthodontic Entity and/or its affiliates, its shareholders, agents, employees
and/or subcontractors (other than OCS) during the term hereof. OCS shall
indemnify, hold harmless and defend the Orthodontic Entity, directors,
shareholders and employees, from and against any and all liability, loss,
damage, claim, causes of action, and expenses (including reasonable attorneys'
fees), caused or asserted to have been caused, directly or indirectly, by or as
a result of the performance of any intentional acts, negligent acts or omissions
by OCS and/or its shareholders, agents, employees and/or subcontractors (other
than the Orthodontic Entity) during the term of this Agreement.

                            VI. TERM AND TERMINATION

         6.1. Term of Agreement. This Agreement shall commence on the date
hereof (September 1, 1994) and shall expire on the 20th anniversary hereof
unless earlier terminated pursuant to the terms hereof. OCS, in its sole
discretion, shall have the option to renew this Agreement for up to two (2)
additional twenty- (20) year periods by giving notice to the Orthodontic Entity
or its successors or assigns of such renewal of this Agreement.

         6.2. Termination by the Orthodontic Entity. The Orthodontic Entity may
terminate this Agreement as follows:

              (i)      In the event of the filing of a petition in voluntary
                       bankruptcy or an assignment for the benefit of creditors
                       by OCS, or upon other action taken or suffered,
                       voluntarily or involuntarily, under any federal or state
                       law for the benefit of debtors by OCS, except for the
                       filing of a petition in involuntary bankruptcy against
                       OCS which is dismissed within thirty (30) days
                       thereafter, the Orthodontic Entity may give written
                       notice of the immediate termination of this Agreement.

              (ii)     In the event OCS shall materially default in the
                       performance of any duty or obligation imposed upon it by
                       this Agreement and such default shall continue for a
                       period of ninety (90) days after written notice thereof
                       has been given to OCS by the Orthodontic Entity, the
                       Orthodontic Entity may terminate this Agreement.

         6.3. Termination by OCS. OCS may terminate this Agreement as follows:

              (i)      In the event of the filing of a petition in voluntary
                       bankruptcy or an assignment for the benefit of creditors
                       by the Orthodontic Entity, or upon other action taken or
                       suffered, voluntarily or involuntarily, under any federal
                       or state law for the benefit of debtors by the
                       Orthodontic Entity, except for the filing of a petition
                       in involuntary bankruptcy against the Orthodontic Entity
                       which is dismissed within thirty (30) days thereafter,
                       OCS may give written notice of the immediate termination
                       of this Agreement.

              (ii)     In the event the Orthodontic Entity shall materially
                       default in the performance of any duty or obligation
                       imposed upon it by this Agreement, and such default shall
                       continue for a period of ninety (90) days after written
                       notice thereof has been given to the Orthodontic Entity
                       by OCS, OCS may terminate this Agreement.

                                       9
<PAGE>

         6.4. Actions after Termination. Upon termination of this Agreement by a
Party for any reason or upon expiration of this Agreement, the Orthodontic
Entity shall:

              (i)      Purchase all improvements, additions or leasehold
                       improvements which have been made by OCS and which relate
                       solely to the performance of its obligations under this
                       Agreement at adjusted book value;

              (ii)     Assume all debt and all contracts, payables and leases
                       which are obligations of OCS and which relate solely to
                       the performance of its obligations under this Agreement
                       or the properties subleased by OCS; and

              (iii)    Purchase from OCS at book value all of the equipment of
                       the Center, including all replacements and additions
                       thereto made by OCS pursuant to the performance of its
                       obligations under this Agreement, and all other assets,
                       including inventory and supplies, tangibles and
                       intangibles, set forth on the balance sheet prepared for
                       the month most recently ended prior to the date of such
                       termination in accordance with GAAP to reflect operations
                       of the Center, depreciation, amortization and other
                       adjustments of assets shown on such balance sheet.

         6.5. Closing of Repurchase by the Orthodontic Entity and Effective Date
of Termination. The Orthodontic Entity shall pay cash for the repurchased
assets. The amount of the purchase price shall be reduced by the amount of debt
and liabilities of OCS assumed by the Orthodontic Entity and shall also be
reduced by any payment OCS has failed to make under this Agreement. The
Orthodontic Entity and any Orthodontist associated with the Orthodontic Entity
shall execute such documents as may be required to assume the liabilities set
forth in Section 6.4(c) and shall use its best efforts to remove OCS from any
liability with respect to such repurchased assets and with respect to any
property leased or subleased by OCS. The closing date for the repurchase shall
be determined by the Orthodontic Entity, but shall in no event occur later than
one hundred eighty (180) days from the date of the notice of termination. The
termination of this Agreement shall become effective upon the closing of the
sale of the assets and the Orthodontic Entity. From and after any termination,
each of the Parties shall provide the other Party(ies) with reasonable access to
books and records then owned by it to permit such requesting Party(ies) to
satisfy reporting and contractual obligations which may be required of it.

         6.6. Patient Records. Upon termination of this Agreement, the
Orthodontic Entity shall retain all patient medical records maintained by the
Orthodontic Entity or OCS in the name of the Orthodontic Entity. During the term
of this Agreement, and thereafter, the Orthodontic Entity or its designee shall
have reasonable access during normal business hours to the Orthodontic Entity's
and OCS's records, including, but not limited to, records of collections,
expenses and disbursements as kept by OCS in performing OCS's obligations under
this Agreement, and the Orthodontic Entity may copy any or all such records.

                           VII. INDEPENDENT CONTRACTOR

         7.1. Orthodontic Entity's Control Over Professional Services.
Notwithstanding the authority granted to OCS herein, OCS and the Orthodontic
Entity mutually agree that Dr. Bush, personally or through the PC or any of the
PC's Professional employees or agents, shall have control or supervision over
the provision of all professional services, with the sole authority to direct
the professional, and ethical aspects of his orthodontic practice, and to select
the course of treatment for a patient or the manner in which such treatment is
carried out. OCS will have no authority, directly or indirectly, to perform, and
will not perform, any orthodontic function.

         7.2. Independent Relationship. The Orthodontic Entity and OCS intend to
act and perform as independent contractors, and the provisions hereof are not
intended to create any partnership, joint venture, agency or employment
relationship between the Parties. The Orthodontic Entity will not have any claim
under this Agreement, or otherwise, against OCS for vacation pay, sick leave,
unemployment insurance, worker's compensation, disability benefits or employee
benefits of any kind.

                                       10
<PAGE>

         7.3. Other Professionals. Except to the extent provided for in Section
8.1, no provision of this Agreement is intended to limit OCS's right, authority,
or ability under applicable law to contract with other dentists or
orthodontists, or to employ, contract with, or enter into any partnership or
joint venture with any healthcare professional.

                             VIII. MUTUAL AGREEMENTS

         8.1. OCS Covenant Not to Compete. The Orthodontic Entity acknowledges
and agrees that OCS' general intent is to develop affiliations with dental
practices at generally the same level of density as the development of retail
shopping malls and "Home Depot," "Toys `R Us" and other retail enterprises with
a similar development philosophy. Therefore, OCS agrees that, during the term of
this Agreement, it will not affiliate with more "Advertising Practices" within
the "DMA" (as those terms are defined hereinafter) than the higher of the total
number of "Toys `R Us" or "Home Depot" stores or regional shopping malls located
within the DMA, or, if these entities do not exist in the DMA or if their
development in the DMA does not follow standard national development patterns,
such other retail enterprise as OCS may reasonably designate that does have a
presence and does develop stores in the DMA with the same level of geographic
density as generally followed by "Toys `R Us" and "Home Depot" stores and
regional shopping malls, nationally. For the purpose of this Agreement,
"Advertising Practice" means any orthodontic practice operating within the DMA
which advertises to the general public through printed media (including
newspapers and magazines), electronic media (including television, radio and the
Internet), outdoor advertising, direct mail or "mailer" advertising, or yellow
pages advertising more than a quarter page in size. "DMA" means the Designated
Market Area in which the cities of Atlanta and Macon, Georgia are encompassed,
as defined in the most current publications of Nielsen Media Research or its
successor, and represents the primary broadcast area for television broadcasting
in the greater Atlanta and Macon, Georgia markets.

         8.2. Orthodontic Entity's Covenant Not to Compete.

         (a) Acknowledgments. The Orthodontic Entity acknowledges and agrees
that: (i) pursuant to Section 8.1 of this Agreement, OCS has agreed to restrict
the number of other orthodontic practices with whom OCS may associate within the
DMA during the term of this Agreement, in the event of termination of this
Agreement, the development by OCS of such business relationships is likely to
require a minimum of two years, and certain business practices engaged in by the
Orthodontic Entity during such period of time would seriously impede OCS'
ability to develop business relationships with other orthodontic practices in
the DMA; (ii) the covenants and agreements set forth in this Section are an
essential inducement and consideration for OCS to have entered into this
Agreement; (iii) the restrictions imposed herein are not greater than are fair
and reasonable and necessary for the protection of OCS in light of the
substantial harm that OCS will suffer should the Orthodontic Entity breach any
of the provisions of said covenants or agreements; and (iv) by reason of the
abilities and experience of the Orthodontic Entity, the enforcement of the
covenants and agreements set forth in this Section will not prevent him/her from
obtaining other suitable employment or earning a livelihood.

         (b) Non-Compete Agreements during Term of Agreement. The Orthodontic
Entity covenants and agrees that, during the term of this Agreement, Dr. Bush
will devote his full professional time exclusively to the operation of the
Practice, and the Orthodontic Entity will not, directly or indirectly, in any
capacity, except pursuant to the affiliation with OCS contemplated in this
Agreement, do any of the following:

                  (i) Own any interest in, manage, be employed or contracted by,
         participate in, operate, control or provide any services to, any
         orthodontic practice other than the Practice, or practice orthodontic
         dentistry other than in the Offices or otherwise compete with the
         Practice in the operation or development of any orthodontic practice;

                  (ii) Solicit any patients, staff or referral sources of the
         Practice (other than solicitations for the Practice itself); or

                  (iii) Own any interest in, manage, be employed or contracted
         by, participate in, operate, control or provide any services to any
         enterprise engaged in the provision of management or business services
         to orthodontic practices similar to those set forth in this Agreement.

                                       11
<PAGE>

         (c) Non-Compete Agreements Following Termination of Agreement. The
Orthodontic Entity additionally covenants and agrees that for a period of two
(2) years following the expiration or termination of this Agreement for any
reason, except under the circumstances discussed in Subsection 7.2(d) below, the
Orthodontic Entity shall not directly or indirectly in any capacity do any of
the following:

             (i)      Solicit any patients, staff or referral sources of the
                      Practice;

             (ii)     Own any interest in, manage, be employed or contracted by,
                      participate in, operate, control or provide any services
                      to any enterprise engaged in the provision of management
                      or business services to orthodontic practices similar to
                      those set forth in this Agreement; or

             (iii)    Directly or indirectly own any interest in, manage, be
                      employed or contracted by, participate in, operate,
                      control or provide any services to any dental or
                      orthodontic practice operating within a radius extending
                      five (5) miles in all directions from any Office included
                      in this Agreement, unless the Orthodontic Entity purchases
                      such restrictive covenant from OCS as provided for in
                      Section 5.4(a).

          (d) Exceptions to Non-Compete Agreements Following Termination.
Notwithstanding anything in this Agreement to the contrary, the Orthodontic
Entity's covenants and agreements not to compete provided for in Section 8.2(c)
will not apply in the event of termination of this Agreement by the Orthodontic
Entity for cause pursuant to Section 5.2.

         8.3. Remedies; Severability. In the event the Orthodontic Entity
violates any of the covenants and agreements set forth in Section 8.2 above, the
Orthodontic Entity agrees and stipulates that OCS shall be entitled to its
actual damages, plus an additional amount of $200,000, and reimbursement of its
attorney fees and legal expenses and shall be entitled to any other legal,
injunctive or equitable relief or remedies to which it may be entitled.
Regarding any act or lawsuit by OCS to obtain injunctive or other equitable
relief, the Orthodontic Entity hereby waives any requirement on the part of OCS
of proving actual damages and waives any requirement for securing or posting any
bond. If any provisions of Sections 8.2 or 8.3 shall be determined to be invalid
or unenforceable, either in whole or in part, such Section(s) shall be deemed
amended to delete or modify, as necessary, the offending provisions and such
Section shall be reformed to alter the balance of the Section to render the same
valid and enforceable to the fullest extent permissible, as aforesaid.
Additionally, the provisions of Sections 8.2 and 8.3 shall be deemed to be valid
to the extent of any lesser area or for any lesser duration permitted by law if
the area and duration set forth herein is deemed to be too broad by a court of
competent jurisdiction. The provisions of Section 8.2 and 8.3 shall be construed
as an agreement independent of the other provisions of this Agreement. The
existence of any claim or cause of action by the Orthodontic Entity against OCS
shall not constitute a defense to the enforcement by OCS of the provisions of
Sections 8.2 or 8.3.

         8.4. Proprietary Information of OCS. The Orthodontic Entity
acknowledges and agrees that all "Proprietary Information of OCS" (as defined
hereinafter) provided to the Orthodontic Entity pursuant to this Agreement shall
be considered the property of OCS. The Orthodontic Entity further agrees that it
shall not, directly or indirectly, disclose, exploit, rent, sell or utilize any
Proprietary Information of OCS other than as required to fulfill its obligations
under this Agreement, unless otherwise required by law, regulation, valid court
order or unless expressly authorized in advance by OCS in writing. For the
purposes of this Agreement "Proprietary Information of OCS" means all
confidential information relating to OCS, OCA and any subsidiary or affiliate
thereof (collectively, the "OCS Affiliated Parties), and all business
information and materials of the OCS Affiliated Parties (in whatever medium). It
is expressly understood, acknowledged and agreed that the OCS Proprietary
Information includes, without limitation, the OCA Software and Documentation.

         8.5. Proprietary Information of the Orthodontic Entity. OCS
acknowledges and agrees that all "Proprietary Information of the Orthodontic
Entity" (as defined hereinafter) provided to OCS by the Orthodontic Entity
pursuant to this Agreement shall be considered the property of the Orthodontic
Entity. OCS further agrees that it shall not, directly or indirectly, disclose,
exploit, rent, sell or utilize the Proprietary Information of the Orthodontic
Entity other than as required to fulfill its obligations under this Agreement,
unless otherwise required by law, regulation, valid court order or unless
expressly authorized in advance by the Orthodontic Entity in writing.
Notwithstanding the foregoing, it is expressly acknowledged and agreed by the
Orthodontic Entity that, in the event

                                       12
<PAGE>

of termination of this Agreement by OCS for cause, OCS or orthodontists
affiliated with OCS may use patient lists and related information of the
Orthodontic Entity to solicit patients of the Practice, or, subject to all
applicable dental practice laws or laws governing the confidentiality of patient
records and the consent of the patients in question, arrange for the transfer of
patient records to such Orthodontic Entities. For the purposes of this Agreement
"Proprietary Information of the Orthodontic Entity" means all confidential
information relating to the Orthodontic Entity and any subsidiary or affiliate
thereof (collectively, the "Orthodontic Entity Affiliated Parties"), and all
business information and materials of the Orthodontic Entity Affiliated Parties
(in whatever medium).

                       IX. REPRESENTATIONS AND WARRANTIES

         9.1. Representations and Warranties of the Orthodontic Entity. The
Orthodontic Entity makes the following representations and warranties to OCS:

         (a) Dr. Bush is, and shall remain throughout the term hereof, licensed
to practice dentistry in the State of Georgia without restriction and is not
subject to any disciplinary or corrective action.

         (b) The PC is a professional corporation, duly organized and validly
existing and in good standing under the applicable laws of the State of Georgia.

         (c) Dr. Bush is, and shall remain throughout the term hereof, the sole
record and beneficial owner of all of the capital stock of the PC

         (d) Each of Dr. Bush and the PC has all necessary capacity, power and
authority to enter into this Agreement and perform its obligations under this
Agreement.

         (e) The execution, delivery and performance of this Agreement by each
of Dr. Bush and the PC have been duly authorized by all necessary laws,
resolutions and corporate action, and will not materially breach, conflict with
or violate any contract, obligation, covenant not to compete, restrictive
covenant or other agreement to which Dr. Bush or the PC is a party. This
Agreement constitutes the valid and enforceable obligations of each of Dr. Bush
and the PC in accordance with its terms.

         9.2. Representations and Warranties of OCS. OCS makes the following
representations and warranties to the Orthodontic Entity:

         (a) OCS is a corporation, duly organized and operating under the
applicable laws of the State of Delaware and qualified to do business in the
State of Georgia. OCS has all necessary corporate power and authority to enter
into this Agreement and perform its obligations under this Agreement.

         (b) The execution and performance of this Agreement by OCS have been
duly authorized by all necessary laws, resolutions and corporate action, and
will not materially breach, conflict with or violate any contract, obligation,
covenant not to compete, restrictive covenant or other agreement to which OCS is
a party. This Agreement constitutes the valid and enforceable obligations of OCS
in accordance with its terms.

                              X. GENERAL PROVISIONS

         10.1. Assignment. OCS shall have the right to assign its rights
hereunder to any person, firm or corporation under common control with OCS
without the consent of the Orthodontic Entity. Except as set forth above,
neither OCS nor the Orthodontic Entity shall have the right to assign their
respective rights and obligations hereunder without the written consent of the
other Party(ies). Subject to this provision, this Agreement shall be binding
upon the Parties, and their successors and assigns.

         10.2. Whole Agreement; Modification. The Parties hereby agree to amend
and restate the terms of the Agreement as set forth herein. This Agreement as
set forth herein supercedes and replaces in its entirety any prior agreements
between the Parties relating to the subject matter hereof. There are no other
agreements or understandings, written or oral, between the Parties regarding
this Agreement, the Exhibits and the Schedules, other

                                       13
<PAGE>

than as set forth herein. This Agreement shall not be modified or amended except
by a written document executed by the Parties, and such written modification(s)
shall be attached hereto.

         10.3. Notices. All notices required or permitted by this Agreement
shall be in writing and shall be addressed as follows:

               To OCS:               Orthodontic Centers of Texas, Inc.
                                     3850 North Causeway Boulevard, Suite 1040
                                     Metairie, Louisiana 70002
                                     Attn: Bartholomew F. Palmisano, Sr.

               With a copy to:       Waller Lansden Dortch & Davis, PLLC
                                     Nashville City Center
                                     511 Union Street, Suite 2100
                                     Nashville, Tennessee 37219-8966
                                     Attn: N. Krugman, Esq.

               To the                Hector M. Bush, P.C.
               Orthodontic Entity:
                                     --------------------------------------

                                     --------------------------------------

                                     Attn: Dr. Hector M. Bush

or to such other address as the Parties shall notify each other.

         10.4. Waiver of Provisions. Any waiver of any terms and conditions
hereof must be in writing, and signed by the Parties. The waiver of any of the
terms and conditions of this Agreement shall not be construed as a waiver of any
other terms and conditions hereof.

         10.5. Governing Law. The validity, interpretation and performance of
this Agreement shall be governed by and construed in accordance with the laws of
the state of Georgia. The Parties acknowledge that OCS is not authorized or
qualified to engage in any activity, which may be construed or deemed to
constitute the practice of dentistry or orthodontics. To the extent any act or
service required of OCS in this Agreement should be construed or deemed, by any
governmental authority, agency or court to constitute the practice of dentistry
or orthodontics, the performance of said act or service by OCS shall be deemed
waived and forever unenforceable and the provisions of Section 10.12 shall be
applicable.

         10.6. Events Excusing Performance. No Party shall be liable to another
Party for failure to perform any of the services required herein in the event of
strikes, lock-outs, calamities, acts of God, unavailability of supplies or other
events over which that Party has no control for so long as such events continue,
and for a reasonable period of time thereafter.

         10.7. Compliance with Applicable Laws. The Parties shall comply with
all applicable federal, state and local laws, regulations and restrictions in
the conduct of their obligations under this Agreement.

         10.8. Severability. The provisions of this Agreement shall be deemed
severable and if any portion shall be held invalid, illegal or unenforceable for
any reason, the remainder of this Agreement shall be effective and binding upon
the Parties.

         10.9. Additional Documents. Each of the Parties agrees to execute any
document or documents that may be requested from time to time by the other
Party(ies) to implement or complete such Party's obligations pursuant to this
Agreement.

                                       14
<PAGE>

         10.10. Attorneys' Fees. If legal action is commenced by a Party to
enforce or defend its rights under this Agreement, the prevailing Party(ies) in
such action shall be entitled to recover its costs and reasonable attorneys'
fees in addition to any other relief granted.

         10.11. Confidentiality. No Party hereto shall disseminate or release to
any third party any information regarding any provision of this Agreement, or
any financial information regarding the other (past, present or future) that was
obtained by the other in the course of the negotiation of this Agreement or in
the course of the performance of this Agreement, without the other Party(ies)'
written approval; provided, however, the foregoing shall not apply to
information which is required to be disclosed by law including securities laws,
or pursuant to court order.

         10.12. Contract Modifications for Prospective Legal Events. In the
event any state or federal laws or regulations, now existing or enacted or
promulgated after the effective date of this Agreement, are interpreted by
judicial decision, a regulatory agency or legal counsel for all of the Parties
in such a manner as to indicate that the structure of this Agreement may be in
violation of such laws or regulations, the Orthodontic Entity and OCS shall
amend this Agreement as necessary. To the maximum extent possible, any such
amendment shall preserve the underlying economic and financial arrangements
between the Orthodontic Entity and OCS.

         10.13. Remedies Cumulative. No remedy set forth in this Agreement or
otherwise conferred upon or reserved to any Party shall be considered exclusive
of any other remedy available to any Party, but the same shall be distinct,
separate and cumulative and may be exercised from time to time as often as
occasion may arise or as may be deemed expedient.

         10.14. Language Construction. The language in all parts of this
Agreement shall be construed, in all cases, according to its plain meaning,
except where the context expressly indicates otherwise, and the Parties
acknowledge that each Party and its counsel have reviewed and revised this
Agreement and that the normal rule of construction to the effect that any
ambiguities are to be resolved against the drafting Party shall not be employed
in the interpretation of this Agreement.

         10.15. No Obligation to Third Parties. None of the obligations and
duties of OCS or the Orthodontic Entity under this Agreement shall in any way or
in any manner be deemed to create any obligation of OCS or of the Orthodontic
Entity to, or any rights in, any person or entity not a party to this Agreement.

                        [Signatures appear on next page]

                                       15
<PAGE>

         IN WITNESS WHEREOF, the Parties have executed this Agreement as of the
date first written above.

                                     THE PC:
                                     HECTOR M. BUSH, P.C.

                                     By: /s/ Hector M. Bush, DMD
                                     Print Name: Hector M. Bush, DMD
                                     Title: President

                                     DR. BUSH:
                                     HECTOR M. BUSH, DMD

                                     /s/ Hector M. Bush, DMD
                                     (Signature)

                                     OCS:
                                     ORTHODONTIC CENTERS
                                     OF GEORGIA, INC.

                                     By: /s/ Bartholomew F. Palmisano, Sr.
                                     Print Name: Bartholomew F. Palmisano, Sr.
                                     Title: President

                                       16<PAGE>
                                                                   EXHIBIT 10.16

                     ORTHODONTIC CENTERS OF LOUISIANA, INC.
                           BUSINESS SERVICES AGREEMENT

         THIS BUSINESS SERVICES AGREEMENT (the "Agreement"), effective October
1, 1996, by and among ORTHODONTIC CENTERS OF LOUISIANA, INC., a Louisiana
corporation ("OCS"); JACK P. DEVEREUX, D.D.S., M.S., P.C., a Louisiana
professional corporation (the "PC"); and JACK P. DEVEREUX, D.D.S., M.S., a
licensed orthodontist (the "Orthodontist") .

                                   I. RECITALS

         1.1 The PC is a professional corporation, duly organized and operating
under the applicable laws and regulations of the State of Louisiana.

         1.2 The Orthodontist is an orthodontist duly licensed and practicing
under the dental laws and regulations of the State of Louisiana. The
Orthodontist owns all of the outstanding shares of capital stock of the PC.

         1.3 The PC owns and operates an orthodontic practice (the "Practice")
located at the offices identified in the Office Subleases attached hereto (the
"Center").

         1.4 The PC provides orthodontic services to the public through the
services of the Orthodontist.

         1.5 OCS is a wholly owned subsidiary of Orthodontic Centers of America,
Inc., a Delaware corporation ("OCA"), and has expertise in the provision of
business, administrative and financial services to orthodontists, to assist
orthodontists in the development and operation of their orthodontic practices.

         1.6 The parties desire to enter into this Agreement to further detail
OCS' responsibilities concerning the provision of business, administrative and
financial services to the PC, and the PC's and Orthodontist's obligations to
OCS.

         1.7 The parties desire that the business arrangements between them
provide for the Orthodontist's and PC's sole responsibility for and control over
all professional matters and all business aspects of the Practice's operations
that constitute the practice of dentistry under the dental laws and regulations
of the State of Louisiana.

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

                         II. OPERATION OF THE PRACTICE--
                                   OCS' DUTIES

         2.1 GENERAL. (a) OCS agrees to provide the PC with the business and
administrative support and services, non-orthodontic staffing, offices and
equipment, and financial services required by the PC for the day-to-day
operations and the growth of the Practice. These services are discussed in more
detail in the remainder of this Agreement and in Exhibits A and B attached to
this Agreement and incorporated by reference herein. The PC hereby appoints OCS
as its sole and exclusive agent for the provision of the services described in
this Agreement, and OCS accepts such appointment.

         (b) It is understood, acknowledged and agreed that the Orthodontist
operates orthodontic offices in New Orleans and Slidell, Louisiana (the "New
Orleans Office" and the "Slidell Offices" respectively), and Picayune,
Mississippi (the "Picayune Office"). It is further understood, acknowledged and
agreed that, unless the context specifically indicates otherwise, the offices
included in this Agreement include the New Orleans Office and the Slidell Office
only, that references to the "Practice" in this Agreement include said Louisiana
offices only, and that the management of the Picayune Office is provided for in
a separate Business Services Agreement, which shall be attached as Exhibit E to
this Agreement (the "Picayune Agreement").

<PAGE>

         2.2 LIMITS ON OCS' AUTHORITY. The parties expressly acknowledge that
OCS is not authorized or qualified to engage in any activity that may be deemed
or construed to constitute the practice of dentistry under the laws of the State
of Louisiana. To the extent that any act or service required of OCS under this
Agreement should be construed by a court of competent jurisdiction to represent
the practice of dentistry, the requirement to perform that act or service shall
be deemed waived and unenforceable and shall not constitute a breach or default
by OCS under this Agreement, and the parties shall take the actions contemplated
by Section 9.12 hereof.

         2.3 DUTY TO CONSULT. OCS agrees that it will consult with the PC on an
ongoing basis, to assure that the services provided by OCS to the PC under this
Agreement are commensurate with the PC's assessment of its business and
administrative requirements.

         2.4 OFFICES AND EQUIPMENT. The parties understand, acknowledge and
agree to the following:

         (a) OCS will enter into a lease or leases for the Center's offices (the
"Office Lease(s)"), and sublease the offices to the PC pursuant to an Office
Sublease or Subleases, copies of which are attached to this Agreement as Exhibit
C and incorporated by reference herein. The parties will enter into a new Office
Sublease in the form of Exhibit C, each time that OCS enters into a new Office
Lease on behalf of the PC. It is understood and agreed that, initially, the
offices initially included in this Agreement will consist of the New Orleans
Office and the Slidell Office only, which are located at the addresses specified
in the Office Subleases attached. Additional offices in the State of Louisiana
may be included in this Agreement by mutual agreement between the PC, the
Orthodontist and OCS, pursuant to Section 7.5 of this Agreement. It is agreed
that the PC's rentals under the Office Subleases will be an amount equal to
OCS's rentals under the corresponding Office Leases. It is acknowledged and
agreed that the Slidell Office is located in an office building owned by the
Orthodontist, and that OCS will enter into an Office Lease for such building, on
mutually acceptable terms, providing for an annual rent of $_____________ and an
initial term of ______ years, with ____ options in favor of OCS to renew the
term of such Office Lease for an additional term of ________ years.

         (b) OCS will acquire or otherwise arrange for all of the furniture,
fixtures and equipment required by the PC for the operation of the Practice (the
"Fixed Assets"), and lease them to the PC pursuant to a Fixed Asset Lease in the
form attached to this Agreement as Exhibit D and incorporated by reference
herein. As OCS acquires new Fixed Assets for the Center, the Fixed Asset Lease
will automatically be amended to include said Fixed Assets. The PC's monthly
rental for any Fixed Assets acquired from the Orthodontist by OCS of even date
herewith will be a nominal amount. The PC's monthly rentals for any new Fixed
Assets which may be acquired by OCS on behalf of the PC under this Agreement
will be deemed to consist of the loan repayments made by the PC to OCS for the
Fixed Assets in question, pursuant to Section 4 of Exhibit B attached hereto.
After any such Fixed Asset loans are repaid in full by the PC, the monthly
rentals for such Fixed Assets will revert to a nominal amount.

         (c) While OCS may make recommendations to the PC, and the PC has
contracted with OCS in part to secure OCS' advice, on such matters, all
decisions concerning office locations, office layouts, rental rates, office
lease terms, and the acquisition of Fixed Assets for the Center shall require
the PC's approval.

         (d) Notwithstanding the fact that the PC will be leasing its offices
and the Fixed Assets from OCS, the PC shall have complete control and custody
over its offices and the Fixed Assets, commensurate with the control maintained
over leased/subleased property by a lessee/sublessee under standard commercial
leases/subleases.

         2.5 OFFICE STAFF. The parties understand, acknowledge and agree that
OCS will employ and provide the PC with all of the staffing required for the
Center's operations, except for the orthodontists (the "Office Staff"). It is
further acknowledged and agreed that, while OCS may make recommendations to the
PC, and the PC has contracted with OCS in part to secure OCS' advice, on such
matters, all decisions concerning staffing levels, staff compensation, the
hiring and termination of staff, and like matters shall require the PC's
approval.

                                       2
<PAGE>

         2.6 BILLING AND COLLECTIONS. OCS will provide billing and collections
services for all patient services rendered at the Center, provided that all
billings and collections will be done in the name of the PC. Pursuant to its
performance of the billings and collections function, OCS will take possession
of and endorse in the name of the PC all payments from patients, insurance
companies and other third party payors, and promptly deposit all such funds in
the PC Account discussed in Section 2.7 below. The PC hereby appoints OCS for
the term of this Agreement to be its true and lawful attorney-in-fact for the
purposes set forth in this section. OCS will prepare and submit financial
reports to the PC detailing billings and collections on a monthly basis.

         2.7 BANKING ARRANGEMENTS. All monies collected for the PC by OCS
pursuant to Section 2.6 above shall be deposited into an account which shall
contain the name of the PC (the "PC Account") with a bank whose deposits are
insured with the Federal Deposit Insurance Corporation. OCS shall have signatory
authority over the PC Account and will be responsible for making all
disbursements from the account. The disbursements shall be limited to payment of
the expenses and fees of the PC authorized in Article IV and Exhibit B to this
Agreement. OCS shall make all disbursements promptly when payable, and shall
account to the PC for all funds disbursed from the PC Account.

         2.8 PAYMENT OF AND REIMBURSEMENT FOR CENTER EXPENSES. It is understood,
acknowledged and agreed that OCS will advance the costs and expenses associated
with its performance of the business and administrative functions on behalf of
the PC provided for in this Agreement (the "Center Expenses"), but that OCS will
be reimbursed for these costs and expenses by the PC, pursuant to Article IV and
Exhibit B of this Agreement.

         2.9 BOOKKEEPING SERVICES. It is understood, acknowledged and agreed
that OCS will be responsible for providing bookkeeping and accounting services
for the Practice. OCS represents and agrees that it will perform such services
for the Practice in accordance with generally accepted business principals,
consistently applied.

                        III. OPERATION OF THE PRACTICE--
                     THE ORTHODONTIST'S AND THE PC'S DUTIES

         3.1 PROFESSIONAL RESPONSIBILITIES. (a) The PC shall have complete and
sole responsibility for all professional aspects of the Practice, including
without limitation the following:

             (i)     The employment of all orthodontists associated with the
                     Center;

             (ii)    The rendering of all professional orthodontic services and
                     any dental services incidental thereto;

             (iii)   The professional supervision of all orthodontists and
                     Office Staff; and

             (iv)    All decisions concerning the scheduling of patients, the
                     types of orthodontic and dental services to be provided to
                     patients and the drugs, supplies and equipment to be used
                     in the rendering of orthodontic services to patients.

         (b) The PC shall require that all orthodontists employed at the Center
comply at all times with the applicable dental professional and ethical
standards, requirements, laws and regulations of the State of Louisiana and any
other applicable state and federal laws and regulations. The PC shall require
that each orthodontist employed at the Center attend continuing professional
education courses and participate in quality assurance/utilization review
programs as required under applicable professional licensing and accreditation
laws and programs. In the event that any disciplinary, professional malpractice
or other actions are initiated against any orthodontist employed at the Center
relating to his or her professional performance, the PC shall immediately inform
OCS of the action, and the underlying facts and circumstances. Deficiencies
discovered in the performance of any orthodontist employed at the Center shall
be reported immediately to OCS, and appropriate steps shall be taken by the PC
at once to remedy such deficiencies.

         3.2 CONTROL OF BUSINESS OPERATIONS. Notwithstanding the authority
granted to OCS pursuant to Article II of this Agreement, it is expressly
acknowledged and agreed by the parties that the PC shall have approval over the
following business functions:

                                       3
<PAGE>

             (i)     The hiring, termination and compensation of the Office
                     Staff;

             (ii)    Recruitment, hiring, termination and compensation of
                     orthodontists;

             (iii)   Decisions concerning office locations and layouts; and

             (iv)    Marketing, expressly including all policies and decisions
                     relating to pricing, credit, refunds, warranties and to the
                     content and placement of advertising.

         3.3 EMPLOYMENT OF ORTHODONTISTS. The PC and the Orthodontist expressly
represent and agree that:

             (i)     The Orthodontist will be employed by the PC and provide
                     orthodontic services to the public exclusively through
                     his/her association with the PC;

             (ii)    The Orthodontist will devote full time to his/her
                     orthodontic practice at the Center, and maintain an active
                     orthodontic practice at each Center office throughout the
                     term of this Agreement; and

             (iii)   All orthodontists who practice at the Center will be duly
                     licensed and certified orthodontic specialists, and will be
                     in good standing under all applicable licensing and laws,
                     regulations and programs.

         3.4 PATIENT RECORDS. The PC will prepare and maintain at the Center
accurate, complete and timely records on all services rendered to patients at
the Center. All patient records shall be the property and remain under the
control and custody of the PC at all times during and after the term of this
Agreement. The records shall be prepared and maintained in compliance with all
applicable state and federal laws and regulations. Subject to the last sentence
of Section 7.4, OCS shall have access to the patient records of the PC only for
the limited purposes necessary to perform its duties under this Agreement, and
subject to all applicable laws and regulations governing the confidentiality of
such records.

         3.5 BUSINESS SYSTEMS. The PC understands, acknowledges and agrees that,
in order for OCS to perform the services for which it is responsible under this
Agreement, the PC must operate with computer, management information and
business systems which meet certain specifications. Accordingly, the PC agrees
to utilize computer, management information and business systems recommended or
approved by OCS in the operation of the Practice, or, with OCS' prior approval,
such other computer, management information or business systems as may be
reasonably acceptable for these purposes.

                           IV. FINANCIAL ARRANGEMENTS

         4.1 SERVICE FEE. Each month, the PC will pay a service fee to OCS (the
"Monthly Service Fee") that includes:

             (i)     Dollar-for-dollar reimbursement of the Center Expenses
                     incurred by OCS for the applicable period. A discussion of
                     Center Expenses is included in Exhibit B attached to this
                     Agreement and incorporated by reference herein;

             (ii)    A flat fee of $22.22 per Patient Hour, to cover consulting
                     and other services not charged to the PC as a Center
                     Expense (the "Base Consulting Fee"); and

                                       4
<PAGE>

             (iii)   A performance fee equal to 50% of the Practice's Net
                     Operating Margin, as discussed in Exhibit B (the
                     "Performance Fee").

         4.2 AGGREGATION OF RESULTS. It is understood, acknowledged and agreed
that, for the purposes of the financial calculations called for in this Article
IV and Exhibit B attached, including without limitation the determination of the
Monthly Service Fees payable by the PC pursuant to Section 4.1 above and Section
1(b) of Exhibit B and the determination of whether any Guarantee Amounts may be
payable by the PC to OCS pursuant to Section 1(c) of Exhibit C, the results of
the operations of the offices included in this Agreement will be aggregated with
the results of the operations of the offices included in the Picayune Agreement.

         4.3 NO DIVIDING OF FEES. The parties mutually acknowledge and agree
that the fees provided for in this Agreement in no way represent the division,
splitting or other allocation of fees, and do not in any way relate to patient
referrals. The parties further acknowledge and agree that the fees provided for
in this Agreement represent fair market value for the services to be provided by
OCS hereunder.

         4.4 THE PC'S EXPENSES. It is understood, acknowledged and agreed that
The PC is solely responsible for the salary, benefits, professional liability
insurance and other employee expenses of the Orthodontist and all other
orthodontists employed by the PC, as further discussed in Exhibit B.

         4.5 ACCOUNTS RECEIVABLE. On approximately the first business day of
each month, OCS shall purchase the accounts receivable of the PC arising from
services performed during the previous month, by payment of cash, or other
readily available funds into an account of the PC. The consideration for the
purchase shall be an amount equal to all fees recorded each month (net of
Adjustments) less the Monthly Service Fee. For the purposes of this Section,
"Adjustments" shall mean any adjustments to fees for uncollectible accounts,
professional courtesies and other activities that do not generate a collectible
fee.

          4.6 ADDITIONAL OFFICES. In the event the PC opens any additional
offices which are covered under this Agreement, the fees payable to OCS pursuant
to this Article V shall be determined by aggregating the results of the
operations of each additional office with the results of the operations of the
existing office or offices.

         4.7 FINANCIAL SUPPORT. OCS will make loans available to the PC to cover
the PC's operating costs during the first three years of this Agreement, as
provided in Exhibit B attached hereto and incorporated by reference herein.

                           V. INSURANCE AND INDEMNITY

         5.1 INSURANCE TO BE MAINTAINED BY THE PC. The PC covenants and agrees
that throughout the term of this Agreement, it will maintain comprehensive
professional liability insurance with limits of not less than $500,000 per claim
and with aggregate policy limits of not less than $1,000,000 per each
orthodontist employed by the PC, and a separate limit for the PC. The PC shall
be responsible for all such liabilities in excess of the limits of such
policies. OCS agrees to negotiate for and cause premiums to be paid with respect
to such insurance. Premiums and deductibles with respect to such policies shall
be borne by the PC.

         5.2 INSURANCE TO BE MAINTAINED BY OCS. Throughout the term of this
Agreement, OCS will provide and maintain, as a Center Expense, (i) comprehensive
professional liability insurance for any professional employees of OCS with
limits as determined reasonable by OCS; and (ii) comprehensive general liability
and property insurance covering the Center premises, equipment, supplies and
operations.

         5.3 TAIL INSURANCE COVERAGE. The PC will cause each orthodontist
employed by the PC to agree that upon termination of such orthodontist's
employment with the PC for any reason, tail insurance coverage will be purchased
by such orthodontist, providing for professional liability and malpractice
coverage during the time the orthodontist was employed by the PC.

                                       5
<PAGE>

         5.4 ADDITIONAL INSUREDS. The PC and OCS agree to use their reasonable
efforts to have each other named as an additional insured on the other's
respective professional liability insurance programs.

         5.5 INDEMNIFICATION. The PC and Orthodontist shall jointly and
severally indemnify, hold harmless and defend OCS and its officers, directors,
shareholders and employees, from and against any and all liability, loss,
damage, claim, causes of action, and expenses (including reasonable attorneys'
fees), whether or not covered by insurance, caused or asserted to have been
caused, directly or indirectly, by or as a result of the performance of medical
or orthodontic services or the performance of any intentional acts, negligent
acts or omissions by the PC and/or the Orthodontist or its or their agents,
employees and/or subcontractors (other than OCS) during the term hereof. OCS
shall indemnify, hold harmless and defend the PC and Orthodontist and its or
their employees, from and against any and all liability, loss, damage, claim,
causes of action, and expenses (including reasonable attorneys' fees), caused or
asserted to have been caused, directly or indirectly, by or as a result of the
performance of any intentional acts, negligent acts or omissions by OCS and/or
its shareholders, agents, employees and/or subcontractors during the term of
this Agreement.

                            VI. TERM AND TERMINATION

         6.1 TERM OF AGREEMENT. This Agreement shall commence on the date hereof
and shall have a term of 40 years.

         6.2 TERMINATION FOR CAUSE. In the event that OCS, on the one hand, or
the PC or the Orthodontist, on the other hand, shall materially default in the
performance of any duty, obligation, covenant or agreement imposed upon it or
them, or made by it or them, pursuant to this Agreement and such default shall
continue for a period of 30 days after written notice thereof has been given to
the defaulting party by the non-defaulting party, the non-defaulting party may
terminate this Agreement immediately upon written notice to the defaulting
party. For the purposes of this Section, any default by the Orthodontist shall
be deemed a default by the PC and any default by the PC shall be deemed a
default by the Orthodontist.

         6.3 TERMINATION BY REASON OF INSOLVENCY. In the event of the filing of
a petition in voluntary bankruptcy or an assignment for the benefit of creditors
or upon other action taken or suffered, voluntarily or involuntarily, under any
federal or state law for the benefit of debtors by OCS, except for the filing of
a petition in involuntary bankruptcy against a party which is dismissed within
30 days' thereafter, the PC and Orthodontist may give written notice of the
immediate termination of this Agreement.

         6.4 TERMINATION WITHOUT CAUSE. Notwithstanding anything contained
herein to the contrary, the Orthodontist and the PC have the right to terminate
this Agreement without cause at any time after the seventh year of this
Agreement upon 90 days' prior written notice to OCS (the "Notice of Intent to
Terminate"), subject to the following:

         (a) Prior to termination of this Agreement, the PC and the Orthodontist
must sell their interest in the Practice (which for the purposes of this section
shall be deemed to include the New Orleans Office, the Slidell Office and the
Picayune Office) to another licensed orthodontist who is reasonably acceptable
to OCS (the "Successor Orthodontist") and who, as a condition of such sale,
agrees to assume the obligations and liabilities (other than the obligations and
liabilities under Section 6.6(b)(iii) hereof) of the PC and the Orthodontist
under this Agreement for, at a minimum, the remaining balance of the term of
this Agreement (a "Sale of the Practice"). OCS and the Orthodontist and PC will
use reasonable best efforts to locate and recruit a Successor Orthodontist to
enter into a transaction for the Sale of the Practice pursuant to this section.
Notwithstanding the foregoing, in the event that, despite the parties'
reasonable best efforts, a Successor Orthodontist is not located within two
years' of the date of the Notice of Intent to Terminate, the PC and the
Orthodontist may nonetheless terminate this Agreement without cause upon written
notice to OCS, provided that, in such event, the provisions of Section 6.6(a)
and 6.6(b)(i) and (ii), but not Section 6.6(b)(iii), will apply.

         (b) In the event of a Sale of the Practice to a Successor Orthodontist
pursuant to Section 6.4(a) above, the Practice's operations must be maintained
by the PC and the Orthodontist and the Successor Orthodontist without
interruption throughout such transaction. OCS will assist the PC and
Orthodontist in recruiting a Successor Orthodontist, if requested by the PC.

                                       6
<PAGE>

         6.5 TERMINATION BY REASON OF DEATH OR DISABILITY OF ORTHODONTIST. In
the event of the death of the Orthodontist or the inability of the Orthodontist
by reason of psychological or physical disability to perform Orthodontist's
duties under this Agreement, which such disability continues for more than 90
consecutive days, OCS will use best efforts to recruit a Successor Orthodontist
to enter into a Sale of the Practice with the Orthodontist or his/her estate,
and to operate the Practice during the interim. OCS will continue such efforts
for a minimum of 90 days from the date of the Orthodontist's disability or
death, unless OCS agrees to extend such recruitment efforts. This Agreement will
terminate upon the earlier of the following: (i) the closing of Sale of the
Practice to the Successor Orthodontist, or (ii) either party's written notice to
the other (after a minimum of 90 days from the date of the Orthodontist's
disability or death) that it does not wish to continue the recruitment efforts
for a Successor Orthodontist.

         6.6 CONDITIONS UPON TERMINATION OF THIS AGREEMENT.

         (a) Termination for Any Reason: If this Agreement terminates for any
reason, the following conditions shall apply (in addition to the conditions of
Subsections 6.6(b) through (f) below, as applicable):

             (i)     The PC and the Orthodontist shall promptly return to OCS
                     all proprietary information of OCS then in their
                     possession;

             (ii)    OCS shall promptly return to the PC all proprietary
                     information of the PC and/or the Orthodontist then in OCS'
                     possession;

             (iii)   The PC and the Orthodontist shall promptly repay OCS all
                     outstanding advances, loans and other amounts owed to OCS,
                     with applicable interest; and

             (iv)    OCS shall render a final accounting for monies deposited
                     in, and disbursed from, the PC Account.

         (b) Termination for Cause by OCS: If OCS terminates this Agreement for
cause pursuant to Section 6.2, or if the PC and/or the Orthodontist attempt to
terminate this Agreement without cause, without complying with the requirements
of Section 6.4 above, the following conditions shall apply:

             (i)     At OCS' option, the PC and the Orthodontist may be required
                     to assume all debt, contracts, leases, and financial
                     obligations of any kind which OCS has entered into on
                     behalf of or for the benefit of the PC pursuant to this
                     Agreement;

             (ii)    At OCS' option, the PC and the Orthodontist may be required
                     to purchase from OCS all of the Fixed Assets which OCS has
                     acquired for the PC and provided the PC pursuant to this
                     Agreement. The purchase price for the Fixed Assets will be
                     equal to their net book value, determined in accordance
                     with generally accepted accounting principles, as shown on
                     the balance sheet of OCS as of the date of termination,
                     less any payments previously made by the PC for the Fixed
                     Assets (the "Fixed Assets' Adjusted Net Book Value"); and

             (iii)   The Orthodontist and the PC shall purchase from OCS all
                     intangible assets owned by OCS which are associated with
                     the Center, for a purchase price equal to such assets' net
                     book value as shown on the balance sheet of OCS as of the
                     date of such termination and determined in accordance with
                     GAAP (the "Intangible Assets' Net Book Value").

         (c) Termination for Cause by the PC: If the PC terminates this
Agreement for cause pursuant to Section 6.2, or because of OCS' insolvency
pursuant to Section 6.3, the following conditions shall apply:

                                       7
<PAGE>

             (i)     The PC shall have the right, at its option, to assume all
                     debt, contracts, leases, and financial obligations of any
                     kind which OCS has entered into on behalf of or for the
                     benefit of the PC pursuant to this Agreement; and

             (ii)    The PC shall have the right to purchase from OCS all of the
                     Fixed Assets which OCS has acquired for the PC pursuant to
                     this Agreement for a purchase price equal to the Fixed
                     Assets' Adjusted Net Book Value;

         (d) Termination Because of Death or Disability. If this Agreement
terminates because of the Orthodontist's death or disability pursuant to Section
6.5, the following conditions shall apply:

             (i)     If the Orthodontist's death or disability occurs within the
                     first three years of this Agreement and a Sale of the
                     Practice is consummated with a Successor Orthodontist
                     pursuant to Section 6.5 above, the PC and the Orthodontist
                     agree that a portion of the proceeds from the sale,
                     representing the unamortized portion of the Guarantee given
                     by the Orthodontist and the PC in Section 1(c) of Exhibit B
                     (assuming a three year amortization schedule) will be paid
                     to OCS, in fulfillment of said Guarantee.

             (ii)    If a Sale of the Practice to a Successor Orthodontist is
                     not consummated, then, at the request of OCS, the following
                     conditions shall apply:

                          (A)      The PC and the Orthodontist (or the
                                   Orthodontist's estate) shall assume all debt,
                                   contracts, leases, and financial obligations
                                   of any kind which OCS has entered into on
                                   behalf of or for the benefit of the PC
                                   pursuant to this Agreement; and

                          (B)      The PC and the Orthodontist (or the
                                   Orthodontist's estate) shall purchase from
                                   OCS all of the Fixed Assets which OCS has
                                   acquired for the PC and provided to the PC
                                   pursuant to this Agreement for a purchase
                                   price equal to the Fixed Assets' Adjusted Net
                                   Book Value.

         (e) Financing of Sale of Practice. In the event that a Sale of the
Practice occurs in connection with the Orthodontist's death, disability or
permanent retirement from the practice of dentistry, OCS may, at its option and
subject to approval by the executive committee of the Board of Directors of OCA,
finance the Sale of the Practice to the purchasing orthodontist, provided that
the amounts financed shall bear interest at the Prime Interest Rate, as
published from time to time in the Wall Street Journal, plus 1.5% per annum, and
shall be repayable in equal installments of principal and interest commencing as
of the first day of the first full month following the consummation of such sale
and continuing thereafter on the first day of each month over a period of 60
months.

         (f) Survival of Obligations. It is expressly agreed by the parties that
the obligations of this Section 6.6 shall survive the termination or expiration
of this Agreement.

         6.7 CROSS TERMINATION. It is expressly agreed by the parties that a
termination of this Agreement for any reason shall automatically serve to
terminate the Picayune Agreement on the same basis, and that a termination of
the Picayune Agreement for any reason shall automatically serve to terminate
this Agreement on the same basis. It is further agreed that the Picayune Office
shall be included in this Agreement for the purposes of determining the parties'
obligations pursuant to this Article VI in the event of termination.

                                       8
<PAGE>

                             VII. MUTUAL AGREEMENTS

         7.1 NON-COMPETE OF OCS. The PC and the Orthodontist acknowledge,
understand and agree that OCS' general intent is to develop affiliations with
orthodontic offices in the geographic areas which OCS serves at the same level
of density as generally guides the development of regional shopping malls and
"Home Depot," "Toys 'R Us" and other retail enterprises with a similar
development philosophy. Therefore, OCS agrees that, during the term of this
Agreement, it will not affiliate with more orthodontic offices, including the
Center, in the Slidell, Louisiana Area of Dominant Influence, as defined
hereinafter (the "ADI"), than the higher of the total number of "Toys 'R Us" or
"The Home Depot" stores or regional shopping malls in the ADI, or such other
retail enterprise as designated by OCS in its reasonable discretion. For the
purpose of this Agreement, the Slidell, Louisiana Area of Dominant Influence
shall mean the primary broadcast area for radio and television broadcasting in
the Slidell, Louisiana market, as defined by Nielson Media Research. OCS further
agrees that under no circumstances will it enter into an affiliation with any
orthodontic offices within a two mile radius of the Center offices.

         7.2 AGREEMENTS OF PC RELATING TO ADVERTISING, RELATED MATTERS. (a) The
PC and the Orthodontist jointly acknowledge and agree that pursuant to Section
7.1 of this Agreement, OCS has agreed to restrict the number of other
orthodontists it may associate with in the specified area during the term of
this Agreement; that in the event of termination of this Agreement, the
development by OCS of such business relationships is likely to require a minimum
of two years; and that certain business practices engaged in by the PC and
Orthodontist during such period of time would seriously impede OCS's ability to
develop business relationships with other orthodontists in such area.
Accordingly, the PC and the Orthodontist jointly and severally agree that,
during the term of this Agreement and for two years following termination for
any reason (the "Restricted Period"), except for termination for cause by the PC
or termination by the PC as a result of OCS' insolvency, the Orthodontist and PC
will not directly or indirectly, in any capacity, participate in, be an investor
in or provide any services to any orthodontic practice in the ADI which
advertises to the public through printed media, including newspapers and
magazines, electronic media (including television, radio and the Internet),
outdoor advertising, direct mail or "mailer" advertising, or yellow pages
advertising more than a quarter page in size ("Prohibited Advertising
Practices"). The PC and the Orthodontist additionally agree that they will not
solicit any patients of the PC during the term of this Agreement to patronize
any orthodontic practice other than the Practice which is the subject of this
Agreement, nor will they solicit any of the Practice staff to work for any other
orthodontic practice. OCS expressly acknowledges and agrees that the
restrictions of this Section 7.2 shall not prevent the PC or the Orthodontist
from participating in any orthodontic practice which does not engage in
Prohibited Advertising Practices.

         (b) The PC and the Orthodontist jointly and severally agree that in the
event of violation by either of them of the covenants and agreements provided
for in Section 7.2(a) above, OCS shall be entitled to reimbursement of its legal
expenses and the greater of (i) its actual damages or (ii) $200,000, it being
further provided that this Agreement with respect to damages shall in no way
disentitle OCS to any other legal or equitable relief or remedies to which it
may be entitled.

         (c) If any provisions of this Section 7.2 shall be determined to be
invalid or unenforceable, either in whole or in part, this section shall be
deemed amended to delete or modify, as necessary, the offending provisions and
to alter the balance of this section in order to render the same valid and
enforceable to the fullest extent permissible, as aforesaid. Additionally, the
provisions of this section shall be deemed to be valid to the extent of any
lesser area or for any lesser duration permitted by law if the area and duration
set forth herein is deemed to be too broad by a court of competent jurisdiction.
The provisions of this Section shall be construed as an agreement independent of
the other provisions of this Agreement. The existence of any claim or cause of
action by the PC or the Orthodontist against OCS shall not constitute a defense
to the enforcement by OCS of the provisions of this Section 7.2.

         7.3 CONFIDENTIALITY AGREEMENT OF THE PC AND THE ORTHODONTIST. The PC
and the Orthodontist jointly and severally acknowledge and agree that all
business information and materials provided to them by OCS pursuant to this
Agreement shall be considered the property of OCS ("OCS Proprietary
Information"), and further agree that they shall not rent, sell, or utilize OCS
Proprietary Information in any business activity or for any business purpose
other than as required to fulfill their obligations under this Agreement. The PC
and the Orthodontist jointly and severally agree, and

                                       9
<PAGE>

shall cause their employees, agents and shareholders to agree, that OCS
Proprietary Information shall be kept confidential and, unless otherwise
required by law, regulation or valid court order, shall not be disclosed to any
person except as authorized by OCS in writing. Upon termination of this
Agreement, the PC and the Orthodontist jointly and severally agree that they
shall promptly return to OCS all OCS Proprietary Information then in their
possession. The PC and Orthodontist further expressly agree that, in the event
of either of their violation of any of the covenants and agreements contained in
this Section, they shall be jointly and severally liable for the damages and
subject to the injunctive and other equitable relief provided for in Section 7.2
hereof.

         7.4 CONFIDENTIALITY AGREEMENT OF OCS. OCS acknowledges and agrees that
all business information and materials provided to them by the PC and the
Orthodontist pursuant to this Agreement shall be considered the property of the
PC and the Orthodontist ("PC Proprietary Information"), and further agrees that
it shall not rent, sell, or utilize PC Proprietary Information in any business
activity or for any business purpose other than as required to fulfill its
obligations under this Agreement. OCS further agrees, and shall cause its
employees, agents and shareholders to agree, that PC Proprietary Information
shall be kept confidential and, unless otherwise required by law, regulation or
valid court order, shall not be disclosed to any person except as authorized by
the PC in writing. Upon termination of this Agreement, OCS agrees that it shall
promptly return to the PC all PC Proprietary Information then in its possession.
Notwithstanding the foregoing, it is expressly acknowledged and agreed by the PC
and the Orthodontist that, in the event of termination of this Agreement for
cause by OCS or termination without cause by the PC or the Orthodontist, the
requirements of this Section shall not prohibit OCS or orthodontists associated
with OCS from using patient lists and related information of the PC to solicit
patients of the PC, or, subject to all applicable laws governing the
confidentiality of patient records and the consent of the patients in question,
arranging for the transfer of patient records to such other orthodontists.

         7.5 DEVELOPMENT AND OPERATION OF NEW ORTHODONTIC OFFICES. The parties
agree that they will consult with each other on the development of new
orthodontic offices within the ADI (a "New Office"). If OCS and the PC jointly
agree on the development of a New Office, OCS agrees that it will provide the
financing for the New Office's start-up costs, including but not limited to
working capital needs and the acquisition of Fixed Assets and initial supplies.
Any amounts loaned by OCS to the PC to finance Start Up Costs for a New Office
will be amortized over a five year period and repaid out of the New Office's
profits. The interest charged by OCS to the PC will be equal to 1.5% over the
prime interest rate, per annum, as published from time to time in the Wall
Street Journal. The PC and the Orthodontist will sign promissory notes for any
such loans, with terms reasonably acceptable to OCS, and such promissory notes
will be attached as Exhibits to this Agreement. Any New Offices developed by the
parties pursuant to this Section 7.5 will be automatically included in this
Agreement as a component of the Center, and the parties' responsibilities and
obligations in respect to the New Office's operations will be as described in
this Agreement.

                          VIII. INDEPENDENT CONTRACTOR

         OCS intends to act and perform as an independent contractor of the PC
and the Orthodontist, and the provisions hereof are not intended to create any
partnership, joint venture, agency or employment relationship between the
parties. The PC and the Orthodontist will not have any claim under this
Agreement, or otherwise, against OCS for vacation pay, sick leave, unemployment
insurance, worker's compensation, disability benefits or employee benefits of
any kind.

                             IX. GENERAL PROVISIONS

         9.1 ASSIGNMENT. OCS shall have the right to assign this Agreement to
Orthodontic Centers of America, Inc. ("OCA") or another wholly-owned subsidiary
of OCA. Except as set forth above, neither OCS nor the PC or Orthodontist shall
have the right to assign their respective rights and obligations hereunder
without the written consent of the other party. Subject to this provision, this
Agreement shall be binding upon the parties hereto, and their successors and
assigns.

         9.2 WHOLE AGREEMENT; MODIFICATION. The parties agree to amend and
restate the terms of this Agreement as set forth herein. This Agreement as set
forth herein supercedes and replaces in its entirety any prior agreements

                                       10
<PAGE>

between the parties relating to this subject matter hereof. There are no other
agreements or understandings between the parties regarding the subject matter of
this Agreement and its Exhibits, except for this Agreement and its Exhibits, as
set forth herein. This Agreement and its Exhibits shall not be modified or
amended except by a written document executed by both parties to this Agreement,
and such written modification(s) shall be attached hereto.

         9.3 NOTICES. All notices, consents, waivers, and other communications
under this Agreement must be in writing and will be deemed to have been duly
given when (a) delivered by hand (with written confirmation of receipt), (b)
sent by facsimile (with written confirmation of receipt), provided that a copy
is mailed by registered mail, return receipt requested, or (c) when received by
the addressee, if sent by a nationally recognized overnight delivery service
(receipt requested), in each case to the appropriate addresses and facsimile
numbers set forth below (or to such other addresses and facsimile numbers as a
party may designate by notice to the other parties):

         To PC or
         Orthodontist:             Jack P. Devereux, D.D.S., M.S., P.C.
                                   100 Wycliff Court
                                   Slidell, Louisiana  70461
                                   Facsimile No.: (504) 643-6385
                                   Attention:  Jack P. Devereux, D.D.S., M.S.

         With a copy to:           Sessions & Fishman, L.L.P.
                                   201 St. Charles Avenue, 35th Floor
                                   New Orleans, Louisiana 70170
                                   Facsimile No.: (504) 582-1555
                                   Attention: David H. Bernstein, Esq.

         To OCS:                   Orthodontic Centers of Louisiana, Inc.
                                   3850 North Causeway Blvd., Suite 990
                                   Metairie, Louisiana  70002
                                   Facsimile No.: (504) 834-3663
                                   Attention:  Bartholomew F. Palmisano, Sr.

         With a copy to:           Waller Lansden Dortch & Davis
                                   A Professional Limited Liability Company
                                   511 Union Street, Suite 2100
                                   Nashville, Tennessee  37219
                                   Facsimile No.: (615) 244-6804
                                   Attention:  Theodore W. Lenz, Esq.

         9.4 WAIVER OF PROVISIONS. Any waiver of any terms and conditions hereof
must be in writing, and signed by the parties hereto. The waiver of any of the
terms and conditions of this Agreement shall not be construed as a waiver of any
other terms and conditions hereof.

         9.5 GOVERNING LAW. The validity, interpretation and performance of this
Agreement shall be governed by and construed in accordance with the laws of the
State of Louisiana.

         9.6 EVENTS EXCUSING PERFORMANCE. Neither party shall be liable to the
other party for failure to perform any of the services required herein in the
event of strikes, lock-outs, calamities, acts of God, unavailability of supplies
or other events over which that party has no control for so long as such events
continue, and for a reasonable period of time thereafter.

         9.7 COMPLIANCE WITH APPLICABLE LAWS. Both parties shall comply with all
applicable federal, state and local laws, regulations and restrictions in the
conduct of their obligations under this Agreement.

                                       11
<PAGE>

         9.8 SEVERABILITY. The provisions of this Agreement shall be deemed
severable and if any portion shall be held invalid, illegal or unenforceable for
any reason, the remainder of this Agreement shall be effective and binding upon
the parties.

         9.9 ADDITIONAL DOCUMENTS. Each of the parties hereto agrees to execute
any document or documents that may be requested from time to time by the other
party to implement or complete such party's obligations pursuant to this
Agreement.

         9.10 ATTORNEYS' FEES. If legal action is commenced by either party to
enforce or defend its rights under this Agreement, the prevailing party in such
action shall be entitled to recover its costs and reasonable attorneys' fees in
addition to any other relief granted.

         9.11 CONTRACT MODIFICATIONS FOR PROSPECTIVE LEGAL EVENTS. In the event
any state or federal laws or regulations, now existing or enacted or promulgated
after the effective date of this Agreement, are interpreted by judicial
decision, a regulatory agency or legal counsel for both parties in such a manner
as to indicate that the structure of this Agreement may be in violation of such
laws or regulations, the PC and OCS shall amend this Agreement as necessary. To
the maximum extent possible, any such amendment shall preserve the underlying
economic and financial arrangements between the PC and OCS.

         9.12 REMEDIES CUMULATIVE. No remedy set forth in this Agreement or
otherwise conferred upon or reserved to any party shall be considered exclusive
of any other remedy available to any party, but the same shall be distinct,
separate and cumulative and may be exercised from time to time as often as
occasion may arise or as may be deemed expedient.

         9.13 LANGUAGE CONSTRUCTION. The language in all parts of this Agreement
shall be construed, in all cases, according to its plain meaning, except where
the context of this Agreement expressly indicates otherwise, and the parties
acknowledge that each party and its counsel have reviewed and revised this
Agreement and that the normal rule of construction to the effect that any
ambiguities are to be resolved against the drafting party shall not be employed
in the interpretation of this Agreement.

         9.14 NO OBLIGATION TO THIRD PARTIES. None of the obligations and duties
of any party under this Agreement shall in any way or in any manner be deemed to
create any obligation to, or any rights in, any person or entity not a party to
this Agreement.

         9.15 ENTIRE AGREEMENT/AMENDMENTS. This Agreement supersedes all
previous contracts and agreements between the parties respecting the subject
matter of this Agreement. As between or among the parties, no oral statements or
prior written material not specifically incorporated herein shall be of any
force and effect. This Agreement may be executed in two or more counterparts,
each and all of which shall be deemed an original and all of which together
shall constitute but one and the same instrument and shall not be amended,
altered or changed except by a written amendment signed by the parties hereto.

         9.16 DISPUTE RESOLUTION. If a dispute arises from or related to this
Business Services Agreement or the breach thereof, and the dispute cannot be
settled through direct discussions, the parties agree to endeavor first to
settle the dispute in an amicable manner by non-binding mediation administered
by the American Arbitration Association under its Commercial Mediation Rules
before resorting to arbitration. Thereafter, any unresolved controversy or claim
arising from or related to this Agreement or breach thereof shall be settled in
accordance with its Commercial Arbitration Rules and judgement on the award
rendered by the arbitrator(s) may be entered in any court having jurisdiction
thereof.

                                       12
<PAGE>

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

                                   THE PC:

                                   JACK P. DEVEREUX, D.D.S., M.S., P.C.

                                   By:    /s/ Jack P. Devereux, D.D.S., M.S.
                                          (Signature)

                                          Jack P. Devereux, D.D.S., M.S.
                                          (Printed Name)

                                          President
                                          (Title)

                                   THE ORTHODONTIST:

                                   JACK P. DEVEREUX, D.D.S., M.S.

                                   /s/ Jack P. Devereux, D.D.S., M.S.
                                   (Signature)

                                   OCS:

                                   ORTHODONTIC CENTERS OF LOUISIANA, INC.

                                   By:    /s/ Bartholomew F. Palmisano, Sr.
                                          (Signature)

                                          Bartholomew F. Palmisano, Sr.
                                          (Printed Name)

                                          President
                                          (Title)

                                       13

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