Document:

Form of Special Committee Indemnification Agreement

    SPECIAL
      COMMITTEE INDEMNIFICATION AGREEMENT

     

    SPECIAL
      COMMITTEE INDEMNIFICATION AGREEMENT
      (this
      "Agreement")
      dated
      as of December 4, 2006, by and between Direct General Corporation (the
      "Company"),
      a
      Tennessee corporation, and _______________________ ("Indemnitee"):

     

    WHEREAS,
      the
      Indemnitee is provided indemnification pursuant to the Tennessee Business
      Corporation Act and the Charter and Bylaws of the Company;

     

    WHEREAS,
      the
      Board of Directors of the Company (the "Board")
      on
      June 5, 2006 authorized entering into an indemnification agreement with each
      of
      the members of the Special Committee first established by the Board on
      May 19, 2006 (the "Special
      Committee"),
      and
      Indemnitee has accepted appointment to the Special Committee in reliance upon
      the authorization by the Board; and

     

    WHEREAS,
      it is
      reasonable and prudent for the Company contractually to obligate itself to
      indemnify each member of the Special Committee;

     

    NOW,
      THEREFORE,
      in
      consideration of the premises, the mutual agreements herein set forth below
      and
      other good and valuable consideration, the receipt and adequacy of which are
      hereby acknowledged, the parties agree as follows:

     

    1.  Services
      by Indemnitee; Notice of Proceeding.

     

    (a)  Services.  
      Indemnitee may at any time and for any reason resign from the Board or the
      Special Committee.

     

    (b)  Notice
      of Proceeding.  
      Indemnitee shall promptly notify the Company in writing upon being served with
      any summons, citation, subpoena, complaint, indictment, information or other
      document relating to any Proceeding or matter that may be subject to
      indemnification or advancement of Expenses (as defined below) covered by this
      Agreement.

     

    2.  Indemnification.

     

    (a)  General.  
      The Company shall indemnify and advance Expenses to Indemnitee in connection
      with any action, suit, arbitration, alternate dispute resolution mechanism,
      investigation, administrative hearing or any other actual, threatened or
      completed proceeding whether civil, criminal, administrative or investigative,
      direct or derivative, other than one initiated directly by Indemnitee, and
      which
      arises out of or is related to service by Indemnitee as a member of the Special
      Committee and to which Indemnitee is or is threatened to be made a party (a
      "Proceeding").
      "Expenses"
      shall
      mean all reasonable attorneys' fees, retainers, court costs, transcript costs,
      fees of experts, witness fees, reasonable and necessary travel expenses,
      duplicating costs, printing and binding costs, telephone charges, postage,
      delivery service fees, and all other disbursements or expenses of the types
      customarily incurred in connection with prosecuting, defending, preparing to
      prosecute or defend, investigating, being or preparing to be a witness in a
      Proceeding, for which reasonable and appropriate documentation is presented
      to
      the Company in accordance with the Company's standard policies and procedures
      for submission and reimbursement of business expenses.

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    (b)  Proceedings.  
      Subject to the terms and conditions of this Agreement, the Company shall
      indemnify Indemnitee against Expenses, judgments, penalties, fines and amounts
      paid in settlements actually and reasonably incurred by Indemnitee or on
      Indemnitee's behalf in connection with such Proceeding or any claim, issue
      or
      matter therein. The Company may through counsel of its choosing participate
      with
      Indemnitee in the defense in a claim in any Proceeding. If the Company elects
      to
      participate with Indemnitee in the defense a claim, the Company shall be
      responsible for the costs of its legal counsel. Indemnitee shall not agree
      to or
      enter into any settlement or consent decree with respect to any claim without
      providing the Company with prior written notice. 

     

    (c)  Indemnification
      for Expenses As a Witness.  
      To the extent that Indemnitee is a witness in any Proceeding, Indemnitee shall
      be indemnified against all Expenses actually and reasonably incurred by
      Indemnitee or on Indemnitee's behalf in connection therewith.

     

    3.  Advancement
      of Expenses.  
      The Company shall advance all reasonable Expenses which were incurred by or
      on
      behalf of Indemnitee in connection with any Proceeding within 30 days after
      the
      receipt by the Company of a statement from Indemnitee requesting such advance,
      provided the statement is accompanied by appropriate documentation of such
      Expenses in accordance with the Company's usual policies for reimbursement
      of
      business expenses. An advance may be requested at any time prior to, during
      or
      after final disposition of such Proceeding. 

     

    4.  Entitlement
      to Indemnification.

     

    (a)  Request.  
      To obtain indemnification under this Agreement, Indemnitee shall submit to
      the
      Company a written request for indemnification, including such information as
      is
      reasonably available to Indemnitee to demonstrate that Indemnitee is entitled
      to
      indemnification, and including invoices or other appropriate support for the
      amount claimed in accordance with the Company's standard policies for of
      reimbursement of business expenses. 

     

    (b)  Payment.  
      Unless the procedures set forth in Section 6
      of this
      Agreement are invoked by the Company or unless Indemnitee shall permit the
      Company to defer payment, payment to Indemnitee shall be made within 30 days
      after receipt of such written request and invoices or other support as provided
      in Section 4(a), above.

     

    5.  Presumptions
      and Effect of Certain Proceedings.

     

    (a)  Burden
      of Proof. 
      In making a determination with respect to entitlement to Indemnification
      hereunder, the person or persons or entity making such determination shall
      presume that Indemnitee is entitled to indemnification under this Agreement
      if
      Indemnitee has submitted a request for indemnification in accordance with
      Section 4(a)
      of this
      Agreement, and the Company shall have the burden of proof to overcome that
      presumption in connection with the making by any person, persons or entity
      of
      any determination contrary to that presumption.

    
      
        
        

      

      
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    (b)  Effect
      of Other Proceedings.  
      The termination of any Proceeding or of any claim, issue or matter therein,
      by
      judgment, order, settlement or conviction, or upon a plea of nolo
      contendere
      or its
      equivalent, shall not (except as otherwise expressly provided in this Agreement,
      the Tennessee Business Corporation Act, as such may be amended from time to
      time, or by the Charter or Bylaws of the Company in effect on the date of this
      Agreement) of itself adversely affect the right of Indemnitee to indemnification
      or create a presumption that Indemnitee did not act in good faith or violated
      the duty of loyalty.

     

    (c)  Reliance
      as Safe Harbor.  For
      purposes of any determination of good faith by the Company under the Tennessee
      Business Corporation Act, Indemnitee shall be deemed to have acted in good
      faith
      if Indemnitee's action is based on the records or books of account of the
      Company, including financial statements, or on information supplied to
      Indemnitee by the officers of the Company in the course of their duties, or
      on
      the advice of legal counsel for the Company, the Board or any permanent or
      temporary committee thereof (including, without limitation, the Special
      Committee) or on information or records given or reports made to the Company,
      the Board or any permanent or temporary committee thereof (including, without
      limitation, the Special Committee) by an independent certified public
      accountant, investment banker or other expert selected with reasonable care
      by
      the Company, the Board or any permanent or temporary committee thereof
      (including, without limitation, the Special Committee). The provisions of this
      Section 5(c)
      shall
      not be deemed to be exclusive or to limit in any way the other circumstances
      in
      which the Indemnitee may be deemed to have met the applicable standard of
      conduct set forth under applicable law. 

     

    (d)
      Actions
      of Others.
      The
      knowledge and/or actions, or failure to act, of any director, officer, agent
      or
      employee of the Company shall not be imputed to Indemnitee for purposes of
      determining the right to indemnification under this Agreement.

    

    6.  Remedies
      of Indemnitee.

     

    (a)  Method
      of
      Determination. If the Company determines not to honor a written request for
      indemnification, it shall notify Indemnitee within 30 days of receipt of such
      request (a "Denial Notice"). Within 30 days of delivery of a Denial Notice
      to
      Indemnitee, Indemnitee may appeal the denial of indemnity by delivery of written
      notice (a "Denial Appeal") to the Company invoking its right to have an
      Independent Counsel consider its right to the indemnification
      requested.
      "Independent Counsel" shall
      mean a
      law firm, or a member of a law firm, that is experienced in matters of Tennessee
      corporation law and neither presently is, nor in the past five years has been,
      retained to represent: (i) the Company or Indemnitee in any matter material
      to
      either such party or (ii) any other party to the Proceeding giving rise to
      a
      claim for indemnification hereunder. Notwithstanding the foregoing, the term
      "Independent Counsel" shall not include any person who, under the applicable
      standards of professional conduct then prevailing, would have a conflict of
      interest in representing either the Company or Indemnitee in an action to
      determine Indemnitee's rights under this Agreement. The Independent Counsel
      shall represent the Board of Directors of the Company and shall be engaged
      to
      make a fair, disinterested evaluation of the Indemnitee's right, or lack
      thereof, to indemnification under the facts being considered by the Board,
      and
      shall not be bound by any duty to advocate the position of the Company
      (notwithstanding that the Company is paying the fees of the Independent Counsel,
      as provided below). The Independent Counsel shall consider the merits of
      Indemnitee's written request for indemnification and shall deliver a written
      opinion to the Board on the matter (with a copy to Indemnitee). 

    
      
        
        

      

      
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    (b)  Selection,
      Payment, Discharge, of Independent Counsel. 
      The Independent Counsel shall be selected, paid and discharged in the following
      manner:

     

    (1)  The
      Independent Counsel shall be selected by Indemnitee (unless Indemnitee shall
      request that such selection be made by the Board, in which event
      clause (2)
      of this
      Section 6(b)
      shall
      apply), and Indemnitee shall give written notice to the Company advising it
      of
      the identity of the Independent Counsel so selected.

     

    (2)  If
      Indemnitee requests that such selection be made by the Board, the Independent
      Counsel shall be selected by the Board, and the Company shall give written
      notice to Indemnitee advising Indemnitee of the identity of the Independent
      Counsel so selected.

     

    (3)  Following
      the initial selection described in clauses (1)
      and
(2)
      of this
      Section 6(b),
      Indemnitee or the Company, as the case may be, may, within 15 days after such
      written notice of selection has been given, deliver to the other party a written
      objection to such selection. Such objection may be asserted only on the ground
      that the Independent Counsel so selected does not meet the requirements of
      an
      "Independent Counsel" as defined in this Agreement, and the objection shall
      set
      forth with particularity the factual basis of such assertion. Absent a proper
      and timely objection, the person so selected shall act as Independent Counsel.
      If such written objection is made, the Independent Counsel so selected may
      not
      serve as Independent Counsel unless and until (1) a court has determined that
      such objection is without merit or (2) Indemnitee and the Company later agree
      in
      writing that such person may serve as Independent Counsel.

     

    (4)  Either
      the Company or Indemnitee may petition any court of competent jurisdiction
      if
      the parties have been unable to agree on the selection of Independent Counsel
      within 20 days after submission by Indemnitee of a written request for
      appointment of an Independent Counsel, pursuant to Section 6 (a) of this
      Agreement. Such petition may request a determination whether an objection to
      the
      party's selection is without merit and/or seek the appointment as Independent
      Counsel of a person selected by the Court or by such other person as the Court
      shall designate. A person so appointed shall act as Independent Counsel under
      Section 6(a)
      of this
      Agreement.

     

    (5)  The
      Company shall pay any and all reasonable fees and expenses of Independent
      Counsel incurred by such Independent Counsel in connection with acting pursuant
      to this Agreement, and the Company shall pay all reasonable fees and expenses
      incident to the procedures of this Section 6(b),
      regardless of the manner in which such Independent Counsel was selected or
      appointed.

     

    (c)  Cooperation. 
      Indemnitee shall cooperate with the person, persons or entity making the
      determination with respect to Indemnitee's entitlement to indemnification under
      this Agreement, including providing to such person, persons or entity upon
      reasonable advance request any documentation or information which is not
      privileged or otherwise protected from disclosure and which is reasonably
      available to Indemnitee and reasonably necessary to such determination. Any
      costs or expenses (including attorneys' fees and disbursements) incurred by
      Indemnitee in so cooperating with the person, persons or entity making such
      determination shall be borne by the Company (irrespective of the determination
      as to Indemnitee's entitlement to indemnification) and the Company hereby
      indemnifies and agrees to hold Indemnitee harmless therefrom.

    
      
        
        

      

      
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    (d)  Adjudication. 
      In the event of a Dispute, Indemnitee shall be entitled to an adjudication
      in a
      court of competent jurisdiction of Indemnitee's entitlement to such
      indemnification or advancement of Expenses. "Dispute"
      shall
      mean that any of the following have occurred, and Indemnitee has not agreed
      in
      writing to permit the Company to do the following:

     

    (1)  payment
      of indemnification is not made pursuant to Section 4(a)
      of this
      Agreement within 30 days after receipt by the Company of a written request
      therefor;

     

    (2)  advancement
      of Expenses is not timely made pursuant to Section 2(b)
      of this
      Agreement;

     

    (3)  payment
      of indemnification is not made within 30 days after a determination has been
      made that Indemnitee is entitled to indemnification pursuant to
      Section 6(a)
      of this
      Agreement; or

     

    (4)  if
      the
      determination of entitlement to be made pursuant to Section 6(a)
      of this
      Agreement has not been made within 60 days after receipt by the Company of
      a
      Denial Appeal. 

     

    (e)  De
      Novo Review.
       In the event that there is a Dispute involving disagreement between
      Indemnitee and the Company with a determination made by an Independent Counsel
      pursuant to Section 6(a)
      of this
      Agreement concerning Indemnitee's entitlement, or lack thereof, to
      indemnification, any judicial proceeding commenced pursuant to this
      Section 6
      shall be
      conducted in all respects as a
      de
      novo
      trial on
      the merits, and neither party shall be prejudiced by reason of the Independent
      Counsel's determination. In any such proceeding, the Company shall have the
      burden of proving that Indemnitee is not entitled to indemnification or
      advancement of Expenses, as the case may be.

     

    (f)  Procedures
      Valid. 
      The Company and Indemnitee shall be precluded from asserting in any judicial
      proceeding or arbitration commenced pursuant to this Section 6
      that the
      procedures and presumptions of this Agreement are not valid, binding and
      enforceable and shall stipulate in any such court that they are bound by all
      of
      the provisions of this Agreement.

     

    (g)  Expenses
      of Adjudication. 
      In the event that it is Indemnitee who, pursuant to this
      Section 6,
      seeks a
      judicial adjudication of Indemnitee's rights under, or to recover damages for
      breach of, this Agreement, and the final ruling in such adjudication is in
      favor
      of Indemnitee's claims, then Indemnitee shall be entitled to recover from the
      Company, and shall be indemnified by the Company against, any and all expenses
      (of the types described in the definition of Expenses in this Agreement)
      actually and reasonably incurred by Indemnitee in such adjudication.

    
      
        
        

      

      
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    7.  Non-exclusivity,
      Insurance, Subrogation.

     

    (a)  Non-Exclusivity. 
      The rights of indemnification and to receive advancement of Expenses as provided
      by this Agreement shall not be deemed exclusive of any other rights to which
      Indemnitee may at any time be entitled under applicable law, the Charter, the
      Bylaws, any agreement, a vote of stockholders or a resolution of directors,
      or
      otherwise. No amendment, alteration, rescission or replacement of this Agreement
      or any provision hereof shall be effective as to Indemnitee with respect to
      any
      action taken or omitted by such Indemnitee prior to such amendment, alteration,
      rescission or replacement.

     

    (b)  Insurance. 
      The Company may maintain an insurance policy or policies against liability
      arising out of this Agreement or otherwise.

     

    (c)  No
      Duplicative Payment. 
      The Company shall not be liable under this Agreement to make any payment of
      amounts otherwise indemnifiable hereunder if and to the extent that Indemnitee
      has otherwise actually received such payment under any insurance policy,
      contract, agreement or otherwise.

     

    8.  Miscellaneous
      Provisions.

     

    (a)  Term
      of Agreement.  
      This Agreement shall continue until and terminate upon the later of: (a) 10
      years after the date that Indemnitee has ceased to serve as a director, officer,
      employee, agent or fiduciary of the Company or (b) the final termination of
      all
      pending Proceedings in respect of which Indemnitee is granted rights of
      indemnification or advancement of expenses hereunder and of any proceeding
      commenced by Indemnitee pursuant to Section 6
      of this
      Agreement relating thereto.

     

    (b)  Counterparts.
      This
      Agreement may be executed in separate counterparts, each of which will be an
      original and all of which taken together shall constitute one and the same
      agreement, and any party hereto may execute this Agreement by signing any such
      counterpart.

     

    (c)  Severability. 
      Whenever possible, each provision of this Agreement shall be interpreted in
      such
      a manner as to be effective and valid under applicable law but if any provision
      of this Agreement is held to be invalid, illegal or unenforceable under any
      applicable law or rule, then such provision shall be deemed modified to the
      extent required to carry out the intent of this Agreement, and the validity,
      legality and enforceability of the other provisions of this Agreement will
      not
      be affected or impaired thereby.

     

    (d)  Successors
      and Assigns. 
      This Agreement shall be binding upon and inure to the benefit of the parties
      hereto and their respective heirs, personal representatives and successors
      and
      assigns.

     

    (e)  Modification,
      Amendment, Waiver or Termination. 
      No provision of this Agreement may be modified, amended, waived or terminated
      except by an instrument in writing signed by the parties to this Agreement.
      No
      course of dealing between the parties will modify, amend, waive or terminate
      any
      provision of this Agreement or any rights or obligations of any party under
      or
      by reason of this Agreement.

    
      
        
        

      

      
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    (f)  Notices. 
      All notices, consents, requests, instructions, approvals or other communications
      provided for herein shall be in writing and delivered by personal delivery,
      overnight courier, mail or electronic facsimile addressed to the receiving
      party
      at the address set forth herein. All such communications shall be effective
      when
      received at the address or facsimile number for notice, except for notices
      sent
      by U.S. mail, which shall be effective on the third day after deposit in the
      mail, properly addressed and postage prepaid. 

     

    
      	
              If
                to the Company:

               

              1281
                Murfreesboro Road

              Nashville,
                Tennessee 37217

              Attention:
                Ronald F. Wilson

            	
              If
                to the Indemnitee:

               

              _____________________

              _____________________

            
	 	 

    

    Any
      party
      may change the address set forth above by notice to each other party given
      as
      provided herein.

     

    (g)  Headings. 
      The headings and any table of contents contained in this Agreement are for
      reference purposes only and shall not in any way affect the meaning or
      interpretation of this Agreement.

     

    (h)  Governing
      Law. 
      ALL MATTERS RELATING TO THE INTERPRETATION, CONSTRUCTION, VALIDITY AND
      ENFORCEMENT OF THIS AGREEMENT SHALL BE GOVERNED BY THE INTERNAL LAWS OF THE
      STATE OF TENNESSEE, WITHOUT GIVING EFFECT TO ANY CHOICE OF LAW PROVISIONS
      THEREOF.

     

    (i)  Third-Party
      Benefit.
       Nothing in this Agreement, express or implied, is intended to confer upon
      any other person any rights, remedies, obligations or liabilities of any nature
      whatsoever.

     

    (j)  Jurisdiction
      and Venue. 
      THIS
      AGREEMENT MAY BE ENFORCED IN ANY FEDERAL COURT OR STATE COURT SITTING IN
      TENNESSEE, AND EACH PARTY CONSENTS TO THE JURISDICTION AND VENUE OF ANY SUCH
      COURT AND WAIVES ANY ARGUMENT THAT VENUE IN SUCH FORUM IS NOT CONVENIENT. IF
      ANY
      PARTY COMMENCES ANY ACTION UNDER ANY TORT OR CONTRACT THEORY ARISING DIRECTLY
      OR
      INDIRECTLY FROM THE RELATIONSHIP CREATED BY THIS AGREEMENT IN ANOTHER
      JURISDICTION OR VENUE, ANY OTHER PARTY TO THIS AGREEMENT SHALL HAVE THE OPTION
      OF TRANSFERRING THE CASE TO THE ABOVE-DESCRIBED VENUE OR JURISDICTION OR, IF
      SUCH TRANSFER CANNOT BE ACCOMPLISHED, TO HAVE SUCH CASE DISMISSED WITHOUT
      PREJUDICE.

     

    (k)  Tennessee
      Code. 
      The parties agree that notwithstanding any provision of this Agreement, no
      indemnification authorized by this Agreement shall be made if the Company proves
      that such payment is expressly prohibited by the provisions of the Tennessee
      Business Corporation Act, as such may be amended from time to time, or by the
      Charter or Bylaws of the Company in effect on the date of this Agreement. This
      Agreement shall not be deemed to deny Indemnitee the benefit of any future
      amendment to the Charter or Bylaws of the Company that expands the scope of
      Indemnitee's rights to indemnification or advancement of Expenses. Any amendment
      to the Charter or Bylaws of the Company that diminishes the scope of
      Indemnitee's rights to indemnification or advancement of Expenses shall not
      diminish Indemnitee's rights under this Agreement. 

    
      
        
        

      

      
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    (l)  Remedies. 
      The parties agree that money damages may not be an adequate remedy for any
      breach of the provisions of this Agreement and that any party may, in its
      discretion, apply to any court of law or equity of competent jurisdiction for
      specific performance and injunctive relief in order to enforce or prevent any
      violations this Agreement, and any party against whom such proceeding is brought
      hereby waives the claim or defense that such party has an adequate remedy at
      law
      and agrees not to raise the defense that the other party has an adequate remedy
      at law.

     

    

     

    

     

    

     

     

    

     

    

     

    

     

    

     

    

     

    

     

    

     

    

     

    

     

    [signature
      page follows]

    
      
        
        

      

      
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    IN
      WITNESS WHEREOF,
      the
      parties hereto have executed this Special Committee Indemnification Agreement
      as
      of the date set forth in the first paragraph.

     

                                                DIRECT
      GENERAL CORPORATION

     

                                                ______________________________________________

                                                William
      C. Adair, Jr.

                                                Chairman
      and Chief Executive Officer

     

     

                                                INDEMNITEE

     

                                                ______________________________________________

                                                

     

     

                                     

                                               

     

    
      9Exhibit 10.1

                          EXCLUSIVE REFERRAL AGREEMENT

         THIS EXCLUSIVE REFERRAL AGREEMENT (this "Agreement") is made effective
December 5, 2006, by and between DENTAL PATIENT CARE AMERICA, INC., a Utah
corporation ("DPCA"); DENTAL COOPERATIVE, INC., a Utah corporation ("COOP");
DENTAL PRACTICE TRANSITION, INC., a Utah corporation ("DPT"), and STILLWATER
NATIONAL BANK AND TRUST COMPANY (the "Bank").

                                   WITNESSETH:

         WHEREAS, DPCA, through its subsidiaries, is in the business of
providing services to dentists and the dental industry;

         WHEREAS, DPCA is developing a new line of business to be operated
through COOP, DPT or another subsidiary of DPCA that involves (a) the funding of
the acquisition and operation of dental practices of retiring dentists or
dentists that are relocating and (b) facilitating loans to the DPCA's affiliate
dental practices;

         WHEREAS, DPCA, COOP, and DPT require funding necessary to enable DPCA
to acquire the business and operations of dental practices from time to time;

         WHEREAS, DPCA, COOP, and DPT desire to offer the Bank the first right
to provide loans to Subscribers (as defined below) and to provide funding to
DPCA for the purpose of, among other things, enabling DPCA to acquire the
business and operations of dental practices from time to time;

         NOW THEREFORE, in consideration of the premises and of the mutual
covenants and agreements hereinafter set forth, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
DPCA, COOP, DPT, and the Bank mutually covenant and agree as follows.

1.       Definitions.

         1.1.     Affiliate. The term "Affiliate" means any person or entity
                  directly or indirectly controlling or controlled by or under
                  common control with another person or entity; provided that,
                  for purposes of this definition, "control" (including, with
                  correlative meanings, the terms "controlled by" and "under
                  common control with") means the possession, direct or
                  indirect, of the power to direct or cause the direction of the
                  management and policies of a person or entity, whether through
                  the ownership of voting securities or by contract or
                  otherwise.

         1.2.     COOP. The term "COOP" means Dental Cooperative, Inc., a Utah
                  corporation.

         1.3.     DPCA. The term "DPCA" means Dental Patient Care America, Inc.,
                  a Utah corporation, and its successors.

         1.4.     DPCA Group. The term "DPCA Group" means, individually and
                  collectively, DPCA, COOP, DPT, all existing and future
                  Subsidiaries of DPCA, and all existing and future Affiliates
                  of any of the foregoing.

         1.5.     Purchase Agreement. The term "Purchase Agreement" means each
                  Affiliate Member Practice Purchase Agreement, between one or
                  more members of the DPCA Group and a Subscriber, together with
                  all substantially similar agreements and all amendments,
                  modifications and replacements thereof, and any other
                  agreement or arrangement, whether written or oral, by which a
                  member of the DPCA Group provides services, agrees to purchase
                  the Subscriber's dental practice, or refers, endorses, or
                  otherwise promotes a lender's services to or for the benefit
                  of a Subscriber.

<PAGE>

         1.6.     Referral Period. The period beginning on the date of this
                  Agreement and ending on the fifth anniversary of this
                  Agreement.

         1.7.     Subscriber. The term "Subscriber" means each dental practice
                  or dental practitioner to whom a member of the DPCA Group
                  provides services, including without limitation, each dental
                  practice that is a party to a Purchase Agreement.

         1.8.     Subscriber Loans. The term "Subscriber Loans" means each loan
                  to a Subscriber pursuant to a Purchase Agreement.

         1.9.     Subsidiary and Subsidiaries. The term "Subsidiary" or
                  "Subsidiaries" means each present or future partnership,
                  limited partnership, limited liability company, corporation or
                  other entity of which DPCA owns, directly or indirectly, more
                  than 50% of the voting interests or voting stock.

         1.10.    Third Party Financing. The term "Third Party Financing" means
                  any loan, financing, or other extension of credit to any
                  member of the DPCA Group by a bank, savings and loan, or other
                  financial institution or any other third party, except (a)
                  credit card financing arrangements, purchase money equipment
                  financings, and other ordinary course of business financings
                  in the aggregate principal amount not to exceed $100,000, and
                  (b) loans and equity or debt financings by Heartland Dental
                  Care, Inc.

2.       Exclusive Referral.

         2.1.     Subscriber Loans. Each member of the DPCA Group grants to the
                  Bank the exclusive right of first refusal during the Referral
                  Period to act as the lender for each Subscriber Loan. The
                  Bank's right of first refusal will be exercised in accordance
                  with the provisions of paragraph 3 of this Agreement. During
                  the Referral Period, each member of the DPCA Group will
                  exclusively recommend, refer, endorse and otherwise promote
                  the Bank as the lender for all Subscriber Loans under each
                  Purchase Agreement, except as expressly provided in paragraph
                  3.4 of this Agreement.

         2.2.     Failure to Refer. If the DPCA Group fails to comply with its
                  obligations under paragraph 2.1 of this Agreement with respect
                  to a particular Subscriber, and the Subscriber enters into a
                  Subscriber Loan with a lender other than the Bank, then the
                  DPCA Group, jointly and severally, will pay the Damages
                  Payment (as defined below) to the Bank on or before the
                  earlier of (a) 10 days following such failure or (b) receipt
                  by DPCA of written demand by the Bank.

         2.3.     Damages Payment. The Damages Payment is the amount equal to
                  the greater of (a) the product of the maximum principal amount
                  of the applicable Subscriber Loan, times 2% or (b) $10,000.
                  The DPCA Group and the Bank agree that if the DPCA Group fails
                  to comply with its obligations under paragraph 2.1 of this
                  Agreement, and the Subscriber enters into a Subscriber Loan
                  with a lender other than the Bank, the Damages Payment will
                  constitute liquidated damages for the Bank's loss of the
                  opportunity to undertake the Subscriber Loan, to recover loan
                  origination expenses, and to realize profits over the balance
                  of the Subscriber Loan, the actual amount of which loss would
                  be impracticable or extremely difficult to calculate, and will
                  not be construed as a penalty.

         2.4.     Audit Rights. Each member of the DPCA Group irrevocably
                  authorizes the Bank to inspect personally, or through the
                  Bank's designated agents or representatives, the books of
                  account and all other records of the DPCA Group for the
                  purpose of determining the DPCA Group's compliance with
                  paragraphs 2.1 and 2.2 of this Agreement. DPCA will, and will
                  cause each member of the DPCA Group to, maintain at its
                  principal executive office a permanent, accurate set of books
                  and records of all Subscribers, Subscriber Loans, Purchase
                  Agreements, and such other records as reasonably necessary to
                  enable the Bank to conduct an effective audit. The Bank's
                  right to audit pursuant to this paragraph 2.4 may be exercised
                  during regular business hours at such time and from time to
                  time as determined in the Bank's sole discretion upon at least
                  24 hours notice to DPCA. As long as the DPCA Group is not in
                  breach of any of the terms of this Agreement, the Bank may not

                                       2
<PAGE>

                  conduct more than two audits each calendar year. Each audit
                  will be conducted at the Bank's expense, provided that DPCA
                  will pay the Bank's expenses for each audit that discloses the
                  breach by a member of the DPCA Group of its obligations under
                  paragraphs 2.1 and 2.2 of this Agreement.

3.       Referral Procedure. In connection with the negotiation and performance
         of each Purchase Agreement and at each other time a Subscriber requests
         or otherwise indicates an interest in or desire for a Subscriber Loan,
         the DPCA Group or applicable member of the DPCA Group and the Bank will
         take the following actions.

         3.1.     Notice to Bank. The DPCA Group will promptly deliver to the
                  Bank written notice stating the name of the Subscriber and the
                  proposed loan amount.

         3.2.     Due Diligence Delivery. The DPCA Group will collect the Due
                  Diligence Materials (as defined below) from the Subscriber and
                  other parties and deliver the Due Diligence Materials to the
                  representative of the Bank designated in writing to DPCA. The
                  "Due Diligence Materials" means the financial statements and
                  other information of the Subscriber and, if applicable, the
                  equity owners of the Subscriber, that is listed in Schedule
                  "1" to this Agreement, as such Schedule may be amended by the
                  Bank from time to time. The Due Diligence Materials will not
                  be deemed to have been delivered to the Bank until all items
                  comprising the Due Diligence Materials (other than items the
                  receipt of which is waived in writing by the Bank) have been
                  received by the Bank. In order to facilitate administrative
                  efficiencies, the DPCA Group will submit the Due Diligence
                  Materials only at such times as the aggregate principal amount
                  of all proposed Subscriber Loans for which such Due Diligence
                  Materials were collected equal at least $2,500,000.

         3.3.     General Lending Standards. Subject to the Due Diligence
                  Materials being satisfactory to the Bank, in the Bank's sole
                  discretion, and such internal approvals as may be required by
                  the Bank, the Bank agrees to undertake each Subscriber Loan on
                  the terms and conditions set forth in Schedule "2" to this
                  Agreement, as such Schedule may be amended by the Bank from
                  time to time, with the consent of DPCA.

         3.4.     Acceptance Period. For 30 days after the receipt of the Due
                  Diligence Materials (the "Acceptance Period"), the Bank will
                  have the preemptive right to undertake the Subscriber Loan.
                  The Bank's acceptance or refusal to undertake the Subscriber
                  Loan will be made by written notice to the Subscriber, with a
                  copy to DPCA. If the Bank delivers a notice of refusal or
                  fails to provide notice of acceptance within the Acceptance
                  Period, then the DPCA Group may refer the Subscriber to a
                  lender other than the Bank for purposes of facilitating the
                  Subscriber Loan that was the subject of the Due Diligence
                  Materials. Each subsequent Subscriber Loan for the particular
                  Subscriber will be subject to the Bank's right of first
                  refusal and the procedures set forth in paragraphs 2 and 3 of
                  this Agreement, respectively.

         3.5.     Bank's Discretion. Notwithstanding any provision of this
                  Agreement, the Bank is not obligated to commit to provide a
                  Subscriber Loan or to provide any financial or other services
                  to any Subscriber. The DPCA Group acknowledges and agrees that
                  the decision whether to undertake a Subscriber Loan or to
                  otherwise loan funds, extend credit, or make any financial
                  accommodation to or for the benefit of any Subscriber is in
                  the sole discretion of the Bank.

4.       First Refusal. Each member of the DPCA Group grants to the Bank the
         exclusive right of first refusal during the Referral Period to act as
         the lender for each member of the DPCA Group with respect to any Third
         Party Financing. In connection with each proposed Third Party
         Financing, the DPCA Group or applicable member of the DPCA Group and
         the Bank will take the following actions.

         4.1.     Notice to Bank. The DPCA Group will promptly deliver to the
                  Bank written notice describing the desired Third Party
                  Financing, the proposed use of funds, and all other material
                  information necessary fully apprise the Bank of the need,
                  purpose, and anticipated source of repayment of the Third
                  Party Financing.

         4.2.     DPCA Information. The DPCA Group will provide such due
                  diligence information and materials as requested by the Bank
                  in connection with its consideration whether to undertake the
                  Third Party Financing (the "DPCA Information"). The DPCA

                                       3
<PAGE>

                  Information will not be deemed to have been delivered to the
                  Bank until all items comprising the DPCA Information have been
                  received by the Bank.

         4.3.     Commitment Period. For 30 days after the receipt of the DPCA
                  Information (the "Commitment Period"), the Bank will have the
                  preemptive right to undertake the Third Party Financing on
                  such terms and conditions as determined by the Bank in the
                  Bank's sole discretion. The Bank's acceptance or refusal to
                  undertake the Third Party Financing will be made by written
                  notice to DPCA. If (a) the Bank delivers a notice of refusal
                  or fails to provide notice of acceptance within the Commitment
                  Period, or (b) DPCA declines to accept the terms and
                  conditions of the Third Party Financing offered by the Bank,
                  then the DPCA Group may offer the opportunity to provide the
                  Third Party Financing to a lender other than the Bank.
                  Notwithstanding the foregoing sentence, if the Bank offers to
                  provide the Third Party Financing, but DPCA declines to accept
                  the terms and conditions of such offer, then DPCA may not
                  undertake the Third Party Financing with a lender other than
                  the Bank on terms substantially similar to those offered by
                  the Bank for a period of six months following the date DPCA
                  declines the Bank's offer to provide that particular Third
                  Party Financing. Each subsequent Third Party Financing will be
                  subject to the Bank's right of first refusal and the
                  procedures set forth in this paragraph 4 of this Agreement.

         4.4.     Bank's Discretion. Notwithstanding any provision of this
                  Agreement, the Bank is not obligated to commit to provide any
                  Third Party Financing or to provide any financial or other
                  services to DPCA or any member of the DPCA Group. The DPCA
                  Group acknowledges and agrees that the decision whether to
                  undertake any Third Party Financing or to otherwise loan
                  funds, extend credit, or make any financial accommodation to
                  or for the benefit of DPCA or any member of the DPCA Group is
                  in the sole discretion of the Bank.

5.       Miscellaneous Provisions.

         5.1.     Time. Time is the essence of each provision of this Agreement.

         5.2.     No Assignment. This Agreement is not assignable without the
                  prior written consent of the other party. Any attempt to
                  assign any of the rights, duties, or obligations of this
                  Agreement without such consent is void.

         5.3.     Severability. If any provision or provisions of this Agreement
                  shall be held to be invalid, illegal, or unenforceable, the
                  validity, legality, and enforceability of the remaining
                  provisions shall not in any way be affected or impaired
                  thereby.

         5.4.     No Waiver. Neither party shall, by mere lapse of time, without
                  giving notice or taking other action hereunder, be deemed to
                  have waived any breach by the other party of any of the
                  provisions of this Agreement. Further, the waiver by either
                  party of a particular breach of this Agreement by the other
                  shall not be construed as nor constitute a continuing waiver
                  of such breach or of breaches of the same or other provisions
                  of this Agreement.

         1.1      Notices. Any notice, demand or communication required or
                  permitted to be given by any provision of the Loan Documents
                  will be in writing and will be deemed to have been given when
                  delivered personally or by telefacsimile, receipt confirmed,
                  to the party designated to receive such notice or on the date
                  following the day sent by overnight courier or on the third
                  (3rd) business day after the same is sent by certified mail,
                  postage and charges prepaid, directed to the following
                  addresses or to such other or additional addresses as any
                  party might designate by written notice to the other party:

                  DPCA, COOP,
                  DPT and the
                  DPCA Group:    2150 South 1300 East, Suite 500
                                 Salt Lake City, Utah  84106
                                 Attn: President

                                       4
<PAGE>

                    The Bank:   Stillwater National Bank and Trust Company
                                6301 Waterford Boulevard, Suite 101
                                Oklahoma City, Oklahoma 73118
                                Attn: Hal Fudge, President - Healthcare Lending

         5.5.     Construction. Nothing in the Loan Documents is intended to
                  constitute the Bank as a joint venturer with DPCA or any
                  member of the DPCA Group or to create a partnership. Except
                  for the terms defined in paragraph 1 of this Agreement, the
                  descriptive headings contained in this Agreement are for
                  convenience in reference and are not intended to be used in
                  the construction of the content of this Agreement.

         5.6.     Force Majeure. Neither party shall be in default if its
                  failure to perform any obligation hereunder is caused solely
                  by supervening conditions beyond that party's reasonable
                  control; provided, however, that in order to avail itself of
                  the excuse from performance under this Section, the party
                  seeking such excuse shall demonstrate diligence in attempting
                  to remedy any such supervening conditions.

         5.7.     Binding Effect. This Agreement will be binding on DPCA, COOP,
                  DPT, each member of the DPCA Group, and their respective
                  successors and permitted assigns and will inure to the benefit
                  of the Bank and the Bank's successors and assigns.

         5.8.     Entire Agreement. The parties hereto acknowledge that this
                  Agreement are the complete and exclusive statement of
                  agreement and supersedes all prior understandings and other
                  communications between the parties relating hereto. This
                  Agreement may be amended only by a subsequent writing that
                  specifically refers to this Agreement and that is signed by
                  both parties.

         5.9.     Governing Law. This Agreement is to be construed according to
                  the internal laws of the State of Oklahoma. All actions with
                  respect to this Agreement may be instituted in the courts of
                  the State of Oklahoma sitting in Oklahoma County, Oklahoma or
                  the United States District Court sitting in Oklahoma County,
                  Oklahoma, as the Bank might elect from time to time, and by
                  the execution and delivery of this Agreement, DPCA, COOP, and
                  DPT irrevocably and unconditionally submit to the jurisdiction
                  (both subject matter and personal) of each such court and
                  irrevocably and unconditionally waive: (a) any objection DPCA,
                  COOP, and DPT might now or hereafter have to the venue in any
                  such court; and (b) any claim that any action or proceeding
                  brought in any such court has been brought in an inconvenient
                  forum.

         5.10.    Fees and Expenses. As a material condition to the obligations
                  of the Bank under this Agreement, DPCA, COOP and DPT, jointly
                  and severally, agree to pay within 30 days from the date of
                  this Agreement all out of pocket fees and expenses, including
                  attorney fees and expenses, incurred by the Bank in connection
                  with the negotiation, preparation and completion of this
                  Agreement and the form of draft loan documents to be provided
                  to prospective Subscribers

         5.11.    Counterparts. This Agreement may be executed in counterparts
                  and, when so executed, each counterpart shall be deemed to be
                  an original, and said counterparts together shall constitute
                  one and the same instrument.

         IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed by their respective duly authorized representatives as set forth below.

                           DENTAL PATIENT CARE AMERICA, INC., a Utah
                           corporation

                           By:  /s/ Marlon R. Berrett
                               ----------------------------------------
                               Marlon R. Berrett, President

                                       5
<PAGE>

                           DENTAL COOPERATIVE, INC., a Utah corporation

                           By: /s/ Marlon R. Berrett
                               ----------------------------------------
                               Marlon R. Berrett, President

                           DENTAL PRACTICE TRANSITION, INC., a Utah corporation

                           By: /s/ Marlon R. Berrett
                               ----------------------------------------
                               Marlon R. Berrett, President

                           STILLWATER NATIONAL BANK AND TRUST COMPANY

                           By:  /s/ Hal Fudge
                               ----------------------------------------
                               Hal Fudge, President - Healthcare Lending

                                       6

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