Document:

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                                                                  EXHIBIT 10.102

                   (THIS AGREEMENT IS SUBJECT TO ARBITRATION)
                       ADMINISTRATIVE SERVICES AGREEMENT

      THIS AGREEMENT, effective January 1, 2005, is by and between The MEGA Life
and Health Insurance Company, an Oklahoma domiciled life and health insurance
company ("MEGA"), and NMC Holdings, Inc., a Nevada corporation and all
subsidiaries listed on EXHIBIT A ("NMC") (hereinafter collectively referred to
as the "Parties").

      WHEREAS, pursuant to a prior Administrative Services Agreement, MEGA is
providing insurance products to NMC; and

      WHEREAS, the Parties wish to enter into this Agreement to redefine and
expand the terms of their various duties and operations;

      NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements hereinafter set forth and for other good and valuable consideration,
the receipt and sufficiency of which is acknowledge by the Parties hereto, MEGA
and NMC do mutually agree as follows:

      1. TERM. The term (the "Term") of this Agreement shall commence on the
date hereof and shall continue through December 31, 2007.

      2. COVERAGES. This Agreement relates to insurance policies, insurance
certificates or blanket coverages for NMC's auto club members (the "Members") as
well as insurance policies, insurance certificates or blanket coverages to be
issued in the future under this Agreement. MEGA hereby agrees to issue life,
accident and health insurance policies, certificates or blanket coverages to NMC
for the benefit of NMC's Members in all states set forth on EXHIBIT B attached
hereto pursuant to memberships issued by NMC from time to time during the term
of this Agreement.

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      3. PREMIUM RATES. The premium rates for MEGA insurance policies, insurance
certificates or blanket coverages will be in accordance with the experience on
these insurance products and commencing January 1, 2005 shall be in accordance
with EXHIBIT C. These premiums may be adjusted as provided in Section 19. The
amount of premiums payable by NMC with respect to each Member shall be based
upon the applicable premium rate for the applicable plan at the time the
membership dues payment or installment is received by NMC.

      4. RIGHT TO OFFSET. MEGA is hereby authorized, to the extent permitted by
law, without notice and without any judicial action, to credit and offset any
and all amounts payable by MEGA to NMC (excluding amounts payable to members
insured by MEGA) towards the reduction of any debt or claim due to MEGA from
NMC. NMC is hereby authorized, to the extent permitted by law, without notice
and without any judicial action, to credit and offset any and all amounts
payable by NMC to MEGA (excluding amounts payable to members insured by MEGA)
towards the reduction of any debt or claim due to NMC from MEGA.

      5. BUSINESS PROCEDURES. The procedure to be followed by NMC and MEGA with
respect to the handling of such business shall be as follows:

      (a)   A monthly report in a form mutually agreed upon by MEGA and NMC will
            be filed by NMC with MEGA for each calendar month on or before the
            fifteenth day of the next month listing new memberships issued by
            NMC during the immediately preceding month and the portions of the
            dues that are payable to MEGA based on the new memberships less the
            amount of the premium portion of any membership dues refunded by NMC
            upon cancellation of any NMC memberships.

      (b)   Within two (2) business days after NMC is notified of a claim, NMC
            will furnish the

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            claim form to the Member for completion.

      (c)   MEGA is responsible for the processing and adjudication of the
            insurance claims submitted by members of NMC under the insurance
            policies issued by MEGA to NMC. NMC hereby agrees that MEGA shall
            have complete authority and responsibility for the adjudication of
            the claims under such policies. NMC further agrees that MEGA's
            claims decisions shall be final.

      (d)   NMC shall handle all correspondence of a routine nature and other
            general clerical and administrative functions necessary for
            satisfactory general administration of the various policies and
            service to the various members, and shall maintain files relating
            thereto.

      (e)   All payments made by NMC to MEGA shall be accompanied by a report in
            a form mutually agreed upon by MEGA and NMC showing the calculation
            of the amount due. All claims covered by the insurance shall be paid
            by number and name only.

      6. ADMINISTRATIVE DUTIES OF NMC. In consideration of the lower premium
costs to NMC for the insurance provided by MEGA under this Agreement, except as
otherwise provided in this Agreement, NMC agrees to perform all of the
administrative duties of NMC set forth in this Agreement at no expense to MEGA.
If MEGA desires NMC to perform administrative duties in addition to those set
forth in this Agreement, the scope of such additional administrative duties and
the administrative expenses thereof shall be as mutually agreed to by the
Parties. If NMC desires MEGA to perform administrative duties in addition to
those set forth in this Agreement, the scope of such additional administrative
duties and the administrative expenses thereof shall be as mutually agreed to in
writing by the Parties.

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      7. REPORTS AND INFORMATION.

      (a)   NMC REPORTS AND INFORMATION.

            i.    NMC shall provide MEGA with all such reports and other
                  information as MEGA shall reasonably request in writing,
                  including but not limited to, monthly dues reports, including
                  allocations of collections by state, parish, county,
                  municipality, or any other allocation required by law or
                  regulation.

            ii.   NMC also agrees that in all states identified by MEGA to NMC
                  in writing where it is required to do so, NMC will advise
                  insureds by written notice approved by MEGA of the identity of
                  and relationship among NMC and MEGA.

      (b)   MEGA REPORTS. MEGA will issue quarterly reports on the status of
            claims, reserves, fees, and balances in a mutually agreed format due
            by the end of the month following the calendar quarter.

      8. ADVERTISEMENTS. Should NMC desire to use any printed brochures,
advertising or other promotional material relating to MEGA's insurance coverage,
NMC shall, prior to distributing such material, submit them to MEGA and obtain
MEGA's prior written approval thereof. MEGA agrees to promptly review such
material and notify NMC of its denial or approval thereof. All costs of
printing, mailing and distribution of such material shall be borne by NMC.

      9. NEW PRODUCTS. NMC also agrees to reimburse MEGA for any approved
expenses incurred by MEGA as a result of filing new insurance products or
revising existing insurance products or for work done by MEGA at the request of
NMC that is not otherwise provided for under the terms of this Agreement. If
MEGA is requested by NMC to file new insurance products or

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revise existing insurance products or perform work that is not otherwise
provided for under this Agreement, then MEGA agrees to prepare a budget of
estimated expenses for such filings or work. If NMC shall approve such budget,
then MEGA shall make such filings or perform such services and NMC agrees to
reimburse MEGA's expenses up to the amount contained in the budget, with
reimbursement of any additional expenses of MEGA requiring NMC's prior approval.
MEGA will bill NMC for any such approved reasonable expenses and NMC will
reimburse MEGA within fifteen (15) days of the receipt of the bill.

      10. INSURANCE DEPARTMENT COMPLAINTS.

      (A)   RECEIVED BY NMC. NMC shall within two (2) business days of its
            receipt forward to MEGA all Insurance Department complaints,
            inquiries and lawsuits received by it relating to insurance
            coverages issued under this Agreement, and in addition upon request
            shall provide all information from its records which will assist
            MEGA in its response to any such complaints, inquiries or lawsuits.

      (b)   RECEIVED BY MEGA. MEGA shall within two (2) business days of its
            receipt forward to NMC copies of all Insurance Department
            complaints, inquiries and lawsuits received directly by MEGA
            relating to insurance coverages issued under this Agreement.

      11. LAWS AND REGULATIONS. NMC and MEGA shall comply with all applicable
federal and state laws and regulations of any federal or state regulatory agency
having jurisdiction over their respective businesses which in the case of NMC
shall include, but not be limited to, the solicitation of its motor club
memberships including, by way of illustration and not limitation, the licensing
of all persons engaged and authorized to carry out such solicitation, if so
required by a state.

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      12. RECORD KEEPING OF MEGA. During the Term of this Agreement and for a
period of five (5) years after the termination of this Agreement, MEGA shall
keep copies of all bank account records pertaining to insurance coverage issued
pursuant to this Agreement, and shall furnish NMC upon demand at NMC's expense
with copies of the records, which pertain to the Members.

      13. BOOKS AND RECORDS OF NMC. NMC also agrees to adhere to the following:

      (a)   The books and records pertaining to the insurance policies,
            certificates and coverages provided by MEGA shall be maintained in
            accordance with prudent standards of insurance record-keeping and
            applicable laws and regulations.

      (b)   Such books and records (paper or electronic whichever is
            appropriate) shall be the property of NMC and must be maintained for
            the term of this Agreement and for the five (5) year period
            following the end of this Agreement's term.

      (c)   All information contained in said books and records shall remain
            confidential. Government agencies regulating insurance shall have
            access to the books and records for the purposes of examination,
            audit and inspection.

      (d)   All such records shall be made available to MEGA during normal
            business hours for review, inspection, examination and reproduction
            at the cost of MEGA.

      (e)   Upon the termination of this Agreement, NMC will, if requested by
            MEGA and at MEGA's expense, deliver copies of such records to MEGA
            and give written notice to any regulatory authority identified by
            MEGA of the location of the books and records.

      (f)   MEGA and NMC mutually agree to audits if requested at their own
            expense of the records.

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      14. RECORDS INSPECTION. During the term of this Agreement and for a period
of five (5) years after the termination of this Agreement, the records of NMC
and MEGA relating to policies issued under this Agreement shall be open to
inspection during regular business hours by representative of the other Party to
enable such Party to fulfill its contractual obligations and to regulatory
agencies as required by applicable laws and regulations.

      15. CONFIDENTIALITY. Each of the Parties recognizes that in the course of
exercising its rights and performing its obligations under this Agreement it
will come into possession of confidential or proprietary information of the
other Party or of customers of the other Party ("Confidential Information").
Each Party agrees that it will not disclose to anyone not a Party to this
Agreement any Confidential Information of the other Party or its customers and
will not use any such Confidential Information except to the extent necessary to
carry out its obligations hereunder. Further, the Parties agree that the names
and addresses of Members together with the expiration date of their membership
with NMC are the property of NMC and confidential trade secrets of NMC. MEGA
covenants and agrees that both during the term of, and at all times after the
termination of this Agreement, MEGA will not, whether for its own account or for
the account of any other person, firm, corporation or business organization,
interfere with the NMC's relationship with, or solicit business from, or provide
or sell the name of any Member. MEGA agrees not to disclose to any person or use
any information provided by NMC under this Agreement (including, without
limitation, the names and addresses of Members), except as is necessary in
connection with providing the insurance coverages contemplated by this Agreement
and complying with applicable laws and regulations. Each Party agrees to comply
with the confidentiality requirements imposed on it by state and Federal law,
including, but not limited to, the Health Insurance Portability and

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Accountability Act of 1996 ("HIPPA"). Confidential Information does not include
information which (i) is or becomes generally available to the public other than
pursuant to a violation of this Agreement, (ii) was available to the Parties on
a non-confidential basis prior to its disclosure by the other Party or its
customer to such Party or (iii) became available to a Party on a
non-confidential basis from a third party who was not bound by a confidentiality
agreement with respect to such information.

      16. REPRESENTATIONS AND WARRANTIES.

      (a)   MEGA hereby represents and warrants to NMC as follows:

            i.    MEGA is a corporation duly organized, validly existing and in
                  good standing under the laws of the State of Oklahoma and has
                  all necessary corporate power and authority to enter into this
                  Agreement and to consummate the transactions contemplated
                  hereby and to perform its obligations hereunder.

            ii.   All corporate and other actions or proceedings required to be
                  taken by or on the part of MEGA to authorize and permit the
                  execution and delivery by it of this Agreement, the
                  performance by it of its obligations hereunder, and the
                  consummation by it of the transactions contemplated herein and
                  therein, have been duly and properly taken.

            iii.  This Agreement constitutes the legal, valid and binding
                  obligation of MEGA, enforceable against it in accordance with
                  its terms, except as such enforceability may be limited by
                  applicable bankruptcy, insolvency, moratorium, reorganization
                  or similar laws in effect which affect the enforcement of
                  creditors' rights generally and by equitable limitations on
                  the

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                  availability of specific remedies.

            iv.   MEGA is duly licensed and has authority to issue in the states
                  listed on EXHIBIT B and to issue insurance products listed on
                  EXHIBIT C and MEGA will obtain and retain all licenses
                  necessary to conduct MEGA's business during the Term hereof,
                  if any.

            v.    No authorization, approval, or consent of, and no filing or
                  registration with, any governmental authority or third party
                  is or will be necessary for the execution, delivery of this
                  Agreement, or performance by MEGA or for the validity or
                  enforceability thereof, except for such approvals or consents
                  which have been obtained or made.

      (b)   NMC hereby represents and warrants to MEGA as follows:

            i.    NMC is a Nevada corporation duly organized, validly existing
                  and in good standing and has all necessary corporate power and
                  authority to enter into this Agreement and to consummate the
                  transactions contemplated hereby and to perform its
                  obligations hereunder.

            ii.   All corporate and other actions or proceedings required to be
                  taken by or on the part of NMC to authorize and permit the
                  execution and delivery by it of this Agreement, the
                  performance by it of its respective obligations hereunder, and
                  the consummation by it of the transactions contemplated herein
                  and therein, have been duly and properly taken.

            iii.  This Agreement constitutes the legal, valid and binding
                  obligation of NMC, enforceable against it in accordance with
                  its terms, except as such

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                  enforceability may be limited by applicable bankruptcy,
                  insolvency, moratorium, reorganization or similar laws in
                  effect which affect the enforcement of creditors' rights
                  generally and by equitable limitations on the availability of
                  specific remedies.

            iv.   No authorization, license, approval, or consent of, and no
                  filing or registration with, any governmental authority or
                  third party is or will be necessary for the execution,
                  delivery of this Agreement, or performance by NMC or for the
                  validity or enforceability thereof, except for such approvals
                  or consents which have been obtained or made as of the date
                  hereof.

      17. STANDARD OF PERFORMANCE. NMC will use its best efforts to perform its
duties under this Agreement in a good and businesslike manner. MEGA also agrees
to perform its duties and obligations under this Agreement and the insurance
policies relating hereto in a good and businesslike manner.

      18. INDEMNIFICATION.

      (a)   INDEMNIFICATION BY MEGA. MEGA agrees to indemnify and hold harmless
            NMC and each of its respective directors, officers, employees, and
            agents harmless against any and all losses, damages (including,
            without limitation, actual damages, compensatory damages, punitive
            damages and extra-contractual damages), liabilities, penalties, cost
            and expenses (including, without limitation, attorneys' fees,
            investigation costs and all other reasonable costs associated with
            the defense thereof) (collectively, "Losses"), as incurred, arising
            out of or relating to its breach of its obligations under this
            Agreement.

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      (b)   INDEMNIFICATION BY NMC. NMC agrees to indemnify and hold harmless
            MEGA and each of its respective officers, directors and employees
            from and against any and all Losses, as incurred, arising out of or
            relating to its breach of its obligations under this Agreement.

      (c)   CONDUCT OF INDEMNIFICATION PROCEEDINGS.

            i.    If any proceeding shall be brought or asserted against any
                  person and/or entity entitled to indemnity hereunder (an
                  "Indemnified Party"), such Indemnified Party promptly shall
                  notify the person from who indemnity is sought (the
                  "Indemnifying Party") in writing, and the Indemnifying Party
                  shall assume the defense thereof, including the employment of
                  counsel reasonably satisfactory to the Indemnified Party and
                  the payment of all fees and expenses incurred in connection
                  with defense thereof; provided, however, that the failure of
                  any Indemnified Party to give such notice shall not relieve
                  the Indemnifying Party of its obligations or liabilities
                  pursuant to this Agreement, except (and only) to the extent
                  that it shall be finally determined by a court of competent
                  jurisdiction (which determination is not subject to appeal or
                  further review) that such failure shall have proximately and
                  materially adversely prejudiced the Indemnifying Party.

            ii.   An Indemnified Party shall have the right to employ separate
                  counsel in any such proceeding and to participate in the
                  defense thereof, but the fees and expenses of such counsel
                  shall be at the expense of such Indemnified Party or Parties
                  unless: (1) the Indemnifying Party has agreed in writing to
                  pay such

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                  fees and expenses; or (2) the Indemnifying Party shall have
                  failed promptly to assume the defense of such proceeding and
                  to employ counsel reasonably satisfactory to such Indemnified
                  Party in any such proceeding; or (3) the named Parties to any
                  such proceeding (including any impleaded Parties) include both
                  such Indemnified Party and the Indemnifying Party, and such
                  Indemnified Party shall have been advised by counsel that a
                  conflict of interest is likely to exist if the same counsel
                  were to represent such Indemnified Party and the Indemnifying
                  Party (in which case, if such Indemnified Party notifies the
                  Indemnifying Party in writing that it elects to employ
                  separate counsel at the expense of the Indemnifying Party, the
                  Indemnifying Party shall not have the right to assume the
                  defense thereof and such counsel shall be at the reasonable
                  expense of the Indemnifying Party). The Indemnifying Party
                  shall not be liable for any settlement of any such proceeding
                  effected without its written consent, which consent shall not
                  be unreasonably withheld. No indemnifying Party shall, without
                  the prior written consent of the Indemnified Party, cause any
                  settlement of any pending proceeding in respect of which any
                  Indemnified Party is a party, unless such settlement includes
                  an unconditional release of such Indemnified Party from all
                  liability on claims that are the subject matter of such
                  proceeding.

            iii.  All fees and expenses of the Indemnified Party (including
                  reasonable fees and expenses to the extent incurred in
                  connection with investigating or

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                  preparing to defend such proceeding in a manner not
                  inconsistent with this Section) shall be paid to the
                  Indemnified Party, as incurred, within ten (10) business days
                  of a detailed written notice thereof to the Indemnifying Party
                  (regardless of whether it is ultimately determined that an
                  Indemnified Party is not entitled to indemnification
                  hereunder; provided, that the Indemnifying Party may require
                  such Indemnified Party to undertake to reimburse all such fees
                  and expenses to the extent it is finally judicially determined
                  that such Indemnified Party is not entitled to indemnification
                  hereunder).

      19. NOTICE OF RATE INCREASES. At the six (6) month and twelve (12) month
anniversary of the effective date of this Agreement, and every six (6) months
thereafter, MEGA shall have the right on at least thirty (30) days prior written
notice to adjust the premiums provided for in Section 3 to the extent that MEGA
determines in good faith, using generally accepted actuarial assumptions and
methodologies consistently applied, and taking into account incurred loss
experience throughout the Term of this Agreement. Any increase in premiums
pursuant to this Section 19 shall be prospectively applied to new NMC
memberships and renewals of then current Members after the effective date of any
such increases.

      20. LIMITATION ON PROFIT. During the Term of this Agreement, MEGA agrees
that premium adjustments, as outlined in Section 19 will be appropriate and
intended to provide MEGA with a profit of eleven percent (11%) of the sum of
claims incurred, plus premium taxes and guaranty fund assessments actually paid,
over the term of this Agreement. Profit shall be computed based upon the
insurance policies subject to this Agreement pursuant to the following formula:

      Profit = gross premiums earned; less premium taxes and guaranty fund
      assessments

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      paid; less claims incurred; and less salary and employee benefits incurred
      by MEGA for any employee assigned exclusive and full time to NMC claims
      administration.

At the three (3) month anniversary of the effective date of the Agreement or
earlier upon the Parties' mutual consent and every three (3) months thereafter
during the terms of this Agreement, NMC shall have the right to receive a refund
of the premium paid by NMC to MEGA in excess of the Profit defined in this
Section 20.

      21. TERMINATION.

      (a)   CHANGE IN PREMIUM. NMC shall have the right within thirty (30) days
            following any change in premiums pursuant to Section 19 to terminate
            this Agreement; provided, however, NMC shall have the additional
            right upon giving such notice to extend the term on a month-to-month
            basis for up to a maximum of six (6) additional months, with MEGA
            retaining the right to adjust premiums for the period of extension
            as provided in Section 1.

      (b)   SALE OF ASSETS OF NMC. If any third party unaffiliated with the
            current owners of NMC acquires a majority of the capital stock of
            NMC, or NMC merges into another unaffiliated corporation and does
            not survive the merger, then MEGA shall have the right to give
            written notice by certified mail to NMC or the surviving corporation
            and take over the servicing for the insurance policies. If MEGA
            elects to take over servicing of the insurance policies, it shall
            have the right to terminate this Agreement by giving thirty (30)
            days written notice to NMC or the surviving corporation. After any
            such termination, NMC or the surviving corporation shall provide an
            accounting to MEGA, together with access during normal business
            hours to premium records,

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            and any other documents relating to the insurance and coverage for
            the Members.

      (c)   CHANGE IN FINANCIAL POSITION.

            i.    NMC's BANKRUPTCY OR INSOLVENCY. In the event of (a)
                  commencement of bankruptcy or insolvency proceedings against
                  NMC or (b) the cessation of business operations of NMC which
                  is not cured within thirty (30) days after written notice
                  thereof from MEGA, then in such case, MEGA shall have the
                  right to immediately terminate this Agreement upon written
                  notice to NMC.

            ii.   MEGA's CHANGE IN FINANCIAL POSITION. In the event (a) MEGA has
                  been placed in supervision (b) commencement of receivership,
                  rehabilitation or liquidation proceedings involving MEGA, (c)
                  MEGA has ceased business operations, (d) the license or
                  certificate of authority of MEGA to conduct a life and health
                  insurance business in any state has been suspended, lapsed,
                  revoked or terminated or (e) MEGA shall at any time fail to
                  obtain and maintain an A.M. Best Company rating of B or above
                  which is not cured within thirty (30) days after written
                  notice thereof, NMC shall have the right to immediately
                  terminate this Agreement upon written notice to MEGA.

      (d)   TERMINATION FOR CAUSE. In the event of a Party's material breach of
            the terms of this Agreement, which is not cured within thirty (30)
            days after written notice from the non-breaching Party, then in such
            case the non-breaching Party shall have the right to immediately
            terminate this Agreement upon written notice to the breaching Party.

      (e)   TERMINATION WITHOUT CAUSE. Either party shall have the right to
            terminate this Agreement upon one hundred and eighty (180) days
            prior written notice to the other

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      party.

      (f)   RUN- OFF AFTER TERMINATION WITHOUT CAUSE.

            i.    In the event of termination of this Agreement pursuant to
                  paragraph 21(e), the Parties agree to a twelve (12) month
                  run-off period from the effective date of the termination of
                  this Agreement pursuant to the terms of this paragraph (the
                  "Run-Off Period").

            ii.   During the Run-Off Period, the Parties agree that every three
                  (3) months NMC shall have the right to receive a refund of the
                  premium paid by NMC to MEGA in excess of the Profit defined in
                  Section 20. The Parties further agree during the Run-Off
                  Period that each Party shall have access to the books,
                  databases and records of every kind and character of the other
                  Party related to the insurance policies issued by MEGA to NMC
                  under the terms and provisions of this Agreement.

      (g)   MISCELLANEOUS. Upon termination of this Agreement, NMC shall be
            responsible for payments to MEGA for any amounts due for insurance
            coverage through the date of termination of this Agreement. Upon
            termination of this Agreement, MEGA shall remain liable for
            insurance coverages issued or serviced under this Agreement pursuant
            to the terms of such coverage. In addition, upon termination of this
            Agreement, MEGA shall refund any unearned premiums to NMC.

      22. RELATIONSHIP OF THE PARTIES. NMC's relationship with MEGA shall be
that of

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independent contractor and nothing in this Agreement shall be construed as
creating the relationship of employer and employee between MEGA and officers,
employees or assigns of NMC or the relationship of a partnership or joint
venture between the Parties. NMC's authority shall extend no further than is
expressly stated in this Agreement and no authority shall be implied from the
granting or denial of powers specifically mentioned herein. MEGA shall exercise
no control whatsoever over the hours, office location, rentals, or staff of
employees of NMC. This Agreement may not be assigned in whole or part by either
Party without the prior written consent of the other Party, except that NMC may
enter into agreements with an affiliate to assist it in providing services to
MEGA under this Agreement.

      23. AUDIT RIGHTS. NMC, itself or by its agents, shall have the right, on
reasonable written notice, during regular business hours and at NMC's expense,
to review and audit the books and records of MEGA relating to the obligations of
MEGA hereunder. NMC shall reimburse MEGA for expenses incurred by MEGA in
assisting NMC in such review and audit. The provisions of this Section 23 shall
survive for a period of two (2) years after the termination or expiration of
this Agreement.

      24. FORCE MAJEURE. Neither Party shall be held responsible for any delay
or failure in performance of any part of this Agreement to the extent such delay
or failure is caused by fire, flood, explosion, war, terrorist act, strike,
embargo, government requirement, civil or military authority, act of God, act or
omission of carriers or other similar causes beyond its control and without the
fault or negligence of the delayed or non-performing Party or its subcontractors
("Force Majeure Condition"). If any Force Majeure Condition occurs, the Party
delayed or unable to perform shall give immediate notice to the other Party,
stating the nature of the Force Majeure Condition and any

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action being taken to avoid or minimize its effect and its estimate of how long
such delay or failure will continue. If the Force Majeure Condition continues
for a period of at least one hundred eighty (180) days, either Party may
terminate this Agreement by delivery of written notice to the other Party.

      25. WAIVERS. The failure of either Party hereto at any time or times to
require performance of any provision hereof shall in no manner affect its right
at a later time to enforce the same or any other provision. No waiver by a Party
of any condition or of any breach of any term, covenant, representation or
warranty contained in this Agreement shall be effective unless in writing, and
no waiver in any one or more instances shall be deemed to be a further or
continuing waiver of any such condition or breach in other instances or a waiver
of any other condition or breach of any other term, covenant, representation or
warranty.

      26. INTERPRETATION. The headings preceding the text of Sections included
in this Agreement are for convenience only and shall neither be deemed part of
this Agreement nor be given any effect in interpreting this Agreement. The use
of the masculine, feminine or neuter gender herein shall not limit any provision
of this Agreement. The use of the terms "including" or "include" shall in all
cases herein mean "including, without limitation" or "include, without
limitation," respectively. The Parties have jointly participated in the
negotiation and drafting of this Agreement. In the event of any ambiguity or if
a question of intent or interpretation arises, this Agreement shall be construed
as if drafted jointly by all Parties, and no presumption or burden of proof
shall arise favoring any Party by virtue of the authorship of any provisions of
this Agreement.

      27. ASSIGNMENT. This Agreement shall be binding upon and inure to the
benefit of the Parties and their respective successors and assigns.
Notwithstanding the foregoing, no assignment of

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any rights or obligations shall be made by either Party without the written
consent of the other Party, which consent shall not be unreasonably withheld.

      28. NO THIRD PARTY BENEFICIARIES. This Agreement is solely for the benefit
of the Parties hereto and no provision of this Agreement shall be deemed to
confer upon other third parties any remedy, claim, liability, cause of action or
other right.

      29. FURTHER ASSURANCES. Upon reasonable request of either Party, the other
Party will execute and deliver such other documents as may be required to
effectuate completely the purposes of this Agreement.

      30. SEVERABILITY. If any provision of this Agreement shall be held
invalid, illegal or unenforceable, the validity, legality or enforceability of
the other provisions hereof shall not be affected thereby, and there shall be
deemed substituted for the provision at issue a valid, legal and enforceable
provision as similar as possible to the provision at issue.

      31. REMEDIES CUMULATIVE. The remedies provided in this Agreement shall be
cumulative and shall not preclude the assertion or exercise of any other rights
or remedies available by law, in equity or otherwise.

      32. ENTIRE AGREEMENT; AMENDMENTS. This Agreement sets forth the entire
agreement and understanding of the Parties with respect to the matters set forth
herein and supersedes any and all prior written or oral discussions,
negotiations, proposals, agreements, arrangements and understandings among the
Parties relating thereto except as may be set forth in a contemporaneous or
subsequent written agreement signed by the Parties. The provisions of this
Agreement may not be modified, changed, amended or rescinded in any manner
except by a written instrument signed by an authorized representative of all of
the Parties hereto. However, the Parties agree that in event of a

                                       19
<PAGE>

conflict between the terms and provisions in this Agreement and the terms and
provisions of any insurance certificate or insurance policy provided by MEGA
under this Agreement, the language of such insurance certificates or insurance
policies shall control.

      33. GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of Texas, without reference to its choice
of law rules. Each Party to this Agreement irrevocably agrees that any legal
action or proceeding under, arising out of or in any matter relating to this
Agreement shall be brought in state or federal court in Tarrant County, Texas
and each Party hereby assents and submits to the personal jurisdiction by such
courts in any such action or proceeding.

      34. ARBITRATION. Any dispute or difference between the Parties with
respect to the operation or interpretation of this Agreement on which an
amicable understanding cannot be reached shall be decided by arbitration.
Arbitrators appointed pursuant to this Section 34 shall be empowered to decide
all questions or issues and shall be free to reach their decision from the
standpoint of equity and customary practices of the insurance industry (to the
extent consistent with the express terms of this Agreement) rather than strictly
from that of the law.

      The arbitration hearing shall be held in Tarrant County, Texas and shall
consist of three arbitrators who must be officers of life insurance companies
other than the Parties to this Agreement or their affiliates or subsidiaries.
Any Party electing to arbitrate a dispute hereunder shall give the other Party
written notice with a description of the dispute and the name of such Party's
arbitrator. Thereafter within fifteen (15) days of receiving such notice, the
Party receiving notice shall give notice to the other Party of the name of its
arbitrator. Within fifteen (15) days of the giving of notice of the second
arbitrator, the two arbitrators appointed by the Parties shall elect a third
arbitrator

                                       20
<PAGE>

before the arbitration begins. In the event that arbitrators are unable to agree
upon the choice of a third arbitrator within said fifteen (15) day period, both
Parties shall promptly request that such arbitrator be appointed by the American
Arbitration Association or its successor organization. Once appointed, the three
arbitrators shall decide matters by a majority vote. The decision of the
arbitrators shall be final and binding on the Parties, and from their written
decision there shall be no appeal. Both Parties shall have the right to enforce
the decision of the arbitrators in a court having jurisdiction over such matter.
The cost of arbitration, including the fees of the arbitrators, shall be borne
by the losing Party, unless the arbitrators decide otherwise.

      35. NOTICES. All notices, demands or other writings in this Agreement
provided to be given, made or sent by any Party hereto to the other, shall be
made in writing and deposited in the United States mail, registered or certified
mail, return receipt requested, postage prepaid and as follows:

            If to NMC:

                               NMC Holdings, Inc.
                       6500 N. Belt Line Road, Suite 200
                               Irving, Texas 75063
                       Attention: President NMC Holdings

            If to MEGA:

                   The MEGA Life and Health Insurance Company
                             9151 Grapevine Highway
                        North Richland Hills, Texas 76180
                              Attention: President

or to such other address as to which notice is given in accordance with the
provisions of this Section. Any notice, demand or other writing so given shall
be deemed effective four business days after being deposited in the United
States mail.

                                       21
<PAGE>

      36. COUNTERPARTS. This Agreement may be executed in counterparts, each of
which shall be deemed an original, but all of which shall constitute one and the
same instrument.

      37. SURVIVAL. On the termination of this Agreement, all the rights and
obligations of the parties to this Agreement shall terminate provided that (a)
the rights and obligations set forth in Sections 5, 10, 11, 12, 15, 18 and 23 of
this Agreement and (b) any rights, claims or relief, arising out of or by virtue
of any action or inaction of the Parties prior to the effective date of
termination shall survive such termination.

                  (REMAINDER OF PAGE INTENTIONALLY LEFT BLANK)

                                       22
<PAGE>

      IN WITNESS WHEREOF, the Parties have hereunto executed this Agreement to
be effective as of the 1st day of January 2005.

                                      NMC Holdings, Inc.
                                      a Nevada corporation

                                      By: /s/ Peter R. Anderson
                                          ---------------------------------
                                      Name: Peter R. Anderson
                                      Title: Treasurer

                                      THE MEGA LIFE AND HEALTH INSURANCE
                                      COMPANY, an Oklahoma corporation

                                       By: /s/ Jeffrey L. Stewart
                                           --------------------------------
                                       Name: Jeffrey L. Stewart
                                       Title: Vice President

                                       23
<PAGE>

                               AMENDMENT NO. 1 TO
                        ADMINISTRATIVE SERVICES AGREEMENT

     This Amendment No. 1 to Administrative Services Agreement ("Agreement") is
made and entered into effective as of July 1, 2005 by and between The MEGA Life
and Health Insurance Company, an Oklahoma domiciled life and health insurance
company ("MEGA"), and NMC Holdings, Inc., a Nevada corporation ("NMC") and each
of the subsidiaries of NMC Holdings, Inc. listed on Exhibit A to that certain
Administrative Services Agreement, effective January 1, 2005, between MEGA and
NMC (the "Services Agreement").

     WHEREAS, MEGA and NMC entered into the Services Agreement, pursuant to
which MEGA has agreed to issue life, health and accident insurance policies,
certificates and/or blanket coverages to NMC for the benefit of NMC Members in
certain states designated in the Services Agreement; and

     WHEREAS, MEGA and NMC desire to amend the Services Agreement in accordance
with the terms hereof;

     NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements hereinafter set forth, the receipt and sufficiency of which is
acknowledged by the Parties hereto, MEGA and NMC hereby agree as follows:

     1.   DEFINITIONS. Unless otherwise defined herein, all capitalized terms
used in this Amendment shall have the respective meanings assigned to them in
the Services Agreement.

     2.   AMENDMENTS. The Services Agreement is hereby amended as follows:

          2.1. Paragraph 19 of the Services Agreement is hereby deleted in its
     entirety and the following is inserted in lieu thereof:

     "19. NOTICE OF RATE ADJUSTMENTS. At the six (6) month and twelve (12) month
     anniversary of the effective date of this Agreement, and every six (6)
     months thereafter, MEGA shall have the right on at least thirty (30) days'
     prior written notice to adjust the premiums provided for in Section 3 to
     the extent that MEGA determines in good faith, using generally accepted
     actuarial assumptions and methodologies consistently applied, and taking
     into account incurred loss experience throughout the Term of this
     Agreement. Any increase or decrease in premiums pursuant to this Section 19
     shall be prospectively applied to new NMC memberships and renewals of then
     current Members after the effective date of any such increases. Exhibit C
     to the Agreement shall be amended from time to time to reflect such premium
     adjustments and to add and/or delete insurance products, as the case may
     be."

          2.2  Exhibit C to the Services Agreement is hereby deleted in its
     entirety and Exhibit C attached hereto is hereby inserted in lieu thereof:

     3.   CONFIRMATION OF SERVICES AGREEMENT. Except to the extent as amended
or modified hereby, the terms of the Services Agreement are hereby confirmed in
all respects and shall be and remain in full force and effect.

     4.   BOARD OF DIRECTORS APPROVAL. The effectiveness of this Amendment No. 1
shall be subject to the approval of a majority of the disinterested directors of
UICI (the parent company of

                                       1
<PAGE>

MEGA) in accordance with the policies and procedures adopted by the Board of
Directors of UICI governing the review and approval of transactions between UICI
and related parties.

     5.   COUNTERPARTS. This Amendment may be executed in counterparts,
including by facsimile signatures, each of which shall be deemed an original,
but all of which together shall constitute one and the same instrument.

     6.   INTERPRETATION. The headings preceding the text of Sections included
in this Amendment are for convenience only and shall neither be deemed part of
this Amendment nor be given any effect in interpreting this Amendment. The use
of the masculine, feminine or neuter gender herein shall not limit any provision
of this Amendment. The use of terms "including" or "include" shall in all cases
herein mean "including, without limitation" or "include, without limitation,"
respectively. The Parties have jointly participated in the negotiation and
drafting of this Amendment. In the event of any ambiguity or if a question of
intent or interpretation arises, this Amendment shall be construed as if
drafted jointly by all Parties and no presumption or burden of proof shall arise
favoring any Party by virtue of the authorship of any provisions of this
Amendment.

     IN WITNESS WHEREOF, the Parties have caused this Amendment to be executed
and delivered as of the date first above written.

                                     THE MEGA LIFE AND HEALTH INSURANCE COMPANY

                                     By: /s/ Glenn W. Reed
                                         ---------------------------------------
                                         Print Name: Glenn W. Reed
                                                     ---------------------------
                                         Title: Vice President
                                                --------------------------------

                                     NMC HOLDINGS, INC.

                                     By: /s/ Jeff Jensen
                                         ---------------------------------------
                                         Print Name: Jeff Jensen
                                                     ---------------------------
                                         Title: V.P.
                                                --------------------------------

                                       2<PAGE>

                                                                 EXHIBIT 10.103

                                                                 EXECUTION COPY

                                   NASE - PDA

                            FIELD SERVICES AGREEMENT

      This agreement ("Agreement") is made and entered into effective as of
January 1, 2005 by and between Performance Driven Awards, Inc., a Texas
corporation ("PDA"), and the National Association for the Self-Employed, Inc., a
Texas non-profit corporation (the "NASE").

      WHEREAS, the NASE is a membership organization that provides and/or makes
available to its members a variety of business, financial, health and personal
benefits and/or services ;

      WHEREAS, the NASE desires to retain PDA to perform the Services (as
defined in Section 2, below) for the NASE for a mutually agreed upon fee; and

      WHEREAS, PDA is a nationwide sales and marketing organization that is
capable of performing the Services, and PDA desires to perform the Services for
the NASE on the terms and conditions contained herein:

      NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements hereinafter set forth, the receipt and sufficiency of which is
acknowledged by the Parties hereto, the NASE and PDA hereby agree as follows:

1. FSRs. PDA shall, during the Term of this Agreement, recruit, contract with,
train, supervise and compensate independent field service representatives
("FSRs") capable of performing the Services provided for herein.

2. SERVICES TO BE PERFORMED BY PDA. PDA agrees to perform and to cause the FSRs
to perform the following services (collectively, the "Services"):

      (a) To solicit for the NASE new "members" (as such term is defined in the
By-Laws of the NASE);

      (b) To work with the members of the NASE to encourage such members to
maintain their continued membership in the NASE and to renew any NASE benefit
programs in which such members may be enrolled;

      (c) To submit each application for membership or completed enrollment form
to the NASE within fifteen days of receipt of same from the member or
prospective member;

      (d) To collect and remit to the NASE or its designee the initial fees and
dues from applicants for membership in the NASE and any renewal fees and dues
from current members of the NASE in accordance with the schedule of fees and
dues set forth in SCHEDULE 1 attached hereto and made a part hereof, which
SCHEDULE 1 the NASE may revise upon not less than thirty (30) days' written
notice to PDA (the "Schedule of Fees and Dues");

      (e) To maintain such facilities at such locations as shall be agreed to
between PDA and the FSRs in order to facilitate the performance of the Services;

      (f) To arrange for the FSRs to acquire leads for use in soliciting new
memberships;

                                       1
<PAGE>

      (g) To render the reports to the NASE set forth in Section 4, below;

      (h) To take all reasonable steps designed to ensure that the marketing
materials used by the FSRs (i) comply with all applicable state and Federal laws
and (ii) have been approved by the NASE; and

      (i) To provide such other member recruitment, solicitation and retention
services as the NASE reasonably may request in writing.

3. LIMITATIONS ON PDA's AUTHORITY. It is agreed that PDA shall be subject to the
following limitations in carrying out its obligations hereunder:

      (a) Neither PDA nor any FSR shall have any authority, express or implied,
to bind the NASE except as is expressly provided herein;

      (b) Neither PDA nor any FSR shall have any authority to waive any
requisites or conditions of membership prescribed by the NASE or to quote
membership fees or dues that vary in any way from the schedule of fees and dues
provided from time to time by the NASE to PDA on SCHEDULE 1 hereto or any
revision thereof; and

      (c) PDA and the FSRs shall have the limited right and license to use the
trade names, "National Association for the Self-Employed," "National Association
for the Self-Employed, Inc." and "NASE" (collectively the "Trade Names") as well
as the trademarks "NASE" and the "NASE design mark" as shown on SCHEDULE 2
attached hereto (collectively, the "Trademarks") on advertising, promotional
materials, business cards, broadcast scripts, web site content and all other
forms of communication in any medium used to market NASE memberships. PDA will
use, and will use its best efforts to cause the FSRs to use, the Trade Names and
Trademarks in connection with marketing services that are of good quality and
high standard. Such uses of the Trade Names and Trademarks by PDA and the FSRs
shall inure solely to the benefit of the NASE.

      (d) All uses of the Trade Names and Trademarks must be submitted by PDA to
the NASE, prior to such use by PDA and/or the FSRs. PDA and/or the FSRs shall
have the right to use the Trademarks if the NASE does not respond to PDA within
ten (10) business days of PDA's submitting such advertising, promotional
materials and business cards to the NASE. PDA will comply, and will use its best
efforts to cause the FSRs to comply, with conditions set forth from time-to-time
by the NASE with respect to the form, style, appearance and manner of use of the
Trade Names and Trademarks. PDA further agrees to include, where practical, in
connection with the Trademarks, the proper designation "R" ((R)) or "TM," as
well as the recitation that the "[Mark] is a registered trademark of the
National Association for the Self-Employed." Upon termination of this Agreement,
all rights to use the Trade Names and Trademarks shall immediately cease. Upon
termination, PDA agrees to provide a full accounting to the NASE with respect to
all remaining advertising, promotional materials, business cards, broadcast
scripts, web site content and all other forms of communication in any medium
which have been produced, but which have not yet been distributed or used, and
its intended method of disposing of such materials.

4. PDA's REPORTS.

      (a) Annual Reports. Within ninety (90) days after the end of each calendar
year during the Term hereof, PDA shall submit written reports to the NASE
setting forth the following information:

            (i) FSR Report. The number of FSRs retained by PDA at the beginning
      of the year to solicit NASE memberships, the number of such FSRs newly
      contracted with by PDA during such

                                       2
<PAGE>

      year, the number of such FSRs whose contracts with PDA terminated during
      such year and the number of such FSRs under contract with PDA at the end
      of such year;

            (ii) New Member Report. The number of applications for NASE
      membership submitted by FSRs during such year and the number of new NASE
      memberships sold by FSRs during such year.

            (iii) Complaint Report. In summary form, the number, source
      (prospect, member, better business bureau, or other) and general nature of
      complaints made against FSRs and/or PDA in connection with their
      solicitation of NASE memberships during such year, the number of such
      complaints disposed of during such year and, in the case of any material
      complaints pending at year end, a brief description of the specific nature
      and status thereof;

            (iv) Litigation Report. The number of legal actions brought against
      FSRs and/or PDA with respect to the solicitation of new NASE members or
      PDA's carrying out of its other duties under this Agreement during such
      year, the number of such actions disposed of during the year and a brief
      description of any material litigation pending at year-end.

      (b) Quarterly Reports. Within thirty (30) days after the end of each
calendar quarter during the Term hereof (other than the fourth quarter of each
year), PDA shall also provide to the NASE an FSR Report, a New Member Report, a
Complaint Report and a Litigation Report, as described in Section 4(a) above, in
each case as of the end of and for such calendar quarter.

      (c) Other Reports. PDA shall also provide such other reports to the NASE
as may reasonably be requested by the NASE during the Term hereof.

5. COMPENSATION. The compensation payable to PDA hereunder is set forth in
SCHEDULE 3, which is attached hereto and made a part hereof, as the same may be
amended or supplemented from time to time by written agreement of the Parties.
Compensation based on NASE fees or dues shall be deemed to be earned by and
payable to PDA only upon actual receipt of the fees or dues from NASE applicants
or members. If any NASE fees or dues are refunded at any time and for any
reason, including rejection of an application or cancellation of a membership,
PDA shall refund, which may be by way of offset to the NASE, any compensation
PDA received that was based on such refunded fees or dues. The NASE reserves the
right to reject membership applications and to cancel memberships and to refund
to applicants and members all fees and dues related thereto. The obligation of
the NASE to pay fees to PDA shall survive any expiration or termination of this
Agreement as to memberships that are in place at such expiration or termination
for so long as such memberships are renewed.

6. CONFIDENTIALITY. Each of the Parties recognizes that in the course of
exercising its rights and performing its obligations under this Agreement it
will come into possession of confidential or proprietary information of the
other Party or of customers of the other Party ("Confidential Information").
Each Party agrees that it will not disclose to anyone not a Party to this
Agreement any Confidential Information of the other Party or its customers, nor
use any such Confidential Information except to the extent necessary to carry
out its obligations hereunder. Each Party agrees to comply with the
confidentiality requirements imposed on it by state and Federal law.
Confidential Information does not include information which (i) is or becomes
generally available to the public other than pursuant to a violation of this
Agreement, (ii) was available to a Party on a non-confidential basis prior to
its disclosure by the other Party or its customer to the such Party or (iii)
became available to a Party on a non-confidential basis from a third party who
was not bound by a confidentiality agreement with respect to such information.

                                       3
<PAGE>

7. REPRESENTATIONS AND WARRANTIES.

      (a) PDA hereby represents and warrants to the NASE as follows:

            (i) PDA is a corporation duly organized, validly existing and in
      good standing under the laws of the State of Texas and has all necessary
      corporate power and authority to enter into this Agreement and to
      consummate the transactions contemplated hereby and to perform its
      obligations hereunder.

            (ii) All corporate and other actions or proceedings required to be
      taken by or on the part of PDA to authorize and permit the execution and
      delivery by it of this Agreement, the performance by it of its obligations
      hereunder, and the consummation by it of the transactions contemplated
      herein and therein, have been duly and properly taken.

            (iii) This Agreement constitutes the legal, valid and binding
      obligation of PDA, enforceable against it in accordance with its terms,
      except as such enforceability may be limited by applicable bankruptcy,
      insolvency, moratorium, reorganization or similar laws in effect which
      affect the enforcement of creditors' rights generally and by equitable
      limitations on the availability of specific remedies.

            (iv) No authorization, approval, or consent of, and no filing or
      registration with, any Governmental Authority or third party is or will be
      necessary for the execution, delivery of this Agreement, or performance by
      PDA or for the validity or enforceability thereof, except for such
      approvals or consents as have been obtained or made.

      (b) The NASE hereby represents and warrants to PDA as follows:

            (i) The NASE is a non-profit corporation duly organized, validly
      existing and in good standing under the Texas Non-profit Corporation Act
      and has all necessary corporate power and authority to enter into this
      Agreement and to consummate the transactions contemplated hereby and to
      perform its obligations hereunder.

            (ii) All corporate and other actions or proceedings required to be
      taken by or on the part of the NASE to authorize and permit the execution
      and delivery by it of this Agreement, the performance by it of its
      obligations hereunder, and the consummation by it of the transactions
      contemplated herein and therein, have been duly and properly taken.

            (iii) This Agreement constitutes the legal, valid and binding
      obligation of the NASE, enforceable against it in accordance with its
      terms, except as such enforceability may be limited by applicable
      bankruptcy, insolvency, moratorium, reorganization or similar laws in
      effect which affect the enforcement of creditors' rights generally and by
      equitable limitations on the availability of specific remedies.

            (iv) No authorization, approval, or consent of, and no filing or
      registration with, any Governmental Authority or third party is or will be
      necessary for the execution, delivery of this Agreement, or performance by
      the NASE or for the validity or enforceability thereof, except for such
      approvals or consents as have been obtained or made.

For purposes of this Section 7, a "Governmental Authority" shall mean any nation
or government, any state or political subdivision thereof and any entity
exercising executive, legislative, judicial, regulatory, or administrative
functions of or pertaining to government.

                                       4
<PAGE>

8. INDEMNIFICATION.

      (a) Indemnification by PDA: PDA agrees to indemnify and hold harmless the
NASE and each of the NASE's officers, directors, employees and agents
(collectively, a "NASE Indemnified Party") from and against any and all losses,
damages (including, without limitation, actual damages, compensatory damages,
punitive damages and extra-contractual damages), liabilities, penalties,
regulatory fines, costs and expenses (including, without limitation, attorneys'
fees, investigation costs and all other reasonable costs associated with the
defense thereof) (collectively, "Losses"), as incurred, arising out of or
relating to the following:

            (i) any breach of, or any inaccuracy in, any representation or
      warranty made by PDA in this Agreement;

            (ii) any breach of, or failure by, PDA to perform any covenant or
      obligation of PDA set out in this Agreement, including without limitation
      any Losses arising out of any non-approved uses of the Trade Names and/or
      Trademarks by PDA and/or the FSRs;

            (iii) any violations or alleged violations of any state of federal
      statues, rules or regulations by PDA and/or any FSR; and

            (iv) any other Loss resulting from, or arising out of any acts,
      occurrences or matters caused by PDA, including but not limited to the
      independent FSRs under contract with PDA, provided that such Loss was not
      caused in whole or in material part by the act or omission of a NASE
      Indemnified Party.

      (b) Indemnification by the NASE. The NASE agrees to indemnify and hold
harmless PDA and each of PDA's officers, directors, employees and agents
(collectively, an "PDA Indemnified Party") from and against any and all Losses,
as incurred, arising out of or relating to the following:

            (i) any breach of, or any inaccuracy in, any representation or
      warranty made by the NASE in this Agreement;

            (ii) any breach of, or failure by, the NASE to perform any covenant
      or obligation set out in this Agreement; and

            (iii) any other Loss resulting from, or arising out of any acts,
      occurrences or matters caused by the NASE, provided that such Loss was not
      caused in whole or in material part by the act or omission of a PDA
      Indemnified Party and excluding any Losses incurred, arising out or
      relating to any claims that the NASE is not a valid association to which
      an association group policy of health insurance may be issued.

      (c) Conduct of Indemnification Proceedings.

            (i) If any proceeding shall be brought or asserted against any
      person and/or entity entitled to indemnity hereunder (an "Indemnified
      Party"), such Indemnified Party promptly shall notify the person from whom
      indemnity is sought (the "Indemnifying Party") in writing, and the
      Indemnifying Party shall assume the defense thereof, including the
      employment of counsel reasonably satisfactory to the Indemnified Party and
      the payment of all fees and expenses incurred in connection with the
      defense thereof; provided, however, that the failure of any Indemnified
      Party to give such notice shall not relieve the Indemnifying Party of its
      obligations or

                                       5
<PAGE>

      liabilities pursuant to this Agreement, except to the extent (and only to
      the extent) that it shall be finally determined by a court of competent
      jurisdiction (which determination is not subject to appeal or further
      review) that such failure shall have proximately and materially adversely
      prejudiced the Indemnifying Party.

            (ii) An Indemnified Party shall have the right to employ separate
      counsel in any such proceeding and to participate in the defense thereof,
      but the fees and expenses of such counsel shall be at the expense of such
      Indemnified Party or Parties unless: (1) the Indemnifying Party has agreed
      in writing to pay such fees and expenses; or (2) the Indemnifying Party
      shall have failed promptly to assume the defense of such Proceeding and to
      employ counsel reasonably satisfactory to such Indemnified Party in any
      such Proceeding; or (3) the named parties to any such proceeding
      (including any impleaded parties) include both such Indemnified Party and
      the Indemnifying Party, and such Indemnified Party shall have been advised
      by counsel that a conflict of interest is likely to exist if the same
      counsel were to represent such Indemnified Party and the Indemnifying
      Party (in which case, if such Indemnified Party notifies the Indemnifying
      Party in writing that it elects to employ separate counsel at the expense
      of the Indemnifying Party, the Indemnifying Party shall not have the right
      to assume the defense thereof and such counsel shall be at the reasonable
      expense of the Indemnifying Party). The Indemnifying Party shall not be
      liable for any settlement of any such proceeding effected without its
      written consent, which consent shall not be unreasonably withheld, delayed
      or conditioned. No Indemnifying Party shall, without the prior written
      consent of the Indemnified Party, effect any settlement of any pending
      proceeding in respect of which any Indemnified Party is a party, unless
      such settlement includes an unconditional release of such Indemnified
      Party from all liability on claims that are the subject matter of such
      proceeding.

            (iii) All fees and expenses of the Indemnified Party (including
      reasonable fees and expenses to the extent incurred in connection with
      investigating or preparing to defend such proceeding in a manner not
      inconsistent with this Section) shall be paid to the Indemnified Party, as
      incurred, within fifteen (15) business days of a detailed written notice
      thereof to the Indemnifying Party (regardless of whether it is ultimately
      determined that an Indemnified Party is not entitled to indemnification
      hereunder; provided, that the Indemnifying Party may require such
      Indemnified Party to undertake to reimburse all such fees and expenses to
      the extent it is finally judicially determined that such Indemnified Party
      is not entitled to indemnification hereunder).

9. RELATIONSHIP OF THE PARTIES. The relationship of the Parties created hereby
is that of independent contractors, and each Party has and retains the right to
full control over the performance of its obligations hereunder. Neither Party is
an employee, joint venturer, affiliate or partner of the other Party and neither
Party shall have any right or authority to create or assume any obligation of
any kind on behalf of the other Party. PDA shall be free to exercise its own
judgment, and FSRs shall be free to exercise their own judgment, as to the
persons from whom FSRs will solicit memberships for the NASE and the time and
place of such solicitations.

10. AUDIT RIGHTS. Each Party, for itself or by its agents, shall have the right,
on reasonable written notice to the other Party and during regular business
hours of the other Party, to review and audit the books and records of the other
Party relating to the obligations of the other Party hereunder. The requesting
Party shall reimburse the other Party for reasonable expenses, excluding
attorneys' fees, incurred by the other Party in assisting the requesting Party
in such review and audit. The provisions of this Section 10 shall survive for a
period of two (2) years after the termination or expiration of this Agreement.

11. FORCE MAJEURE. Neither Party shall be held responsible for any delay or
failure in performance

                                       6
<PAGE>

of any part of this Agreement to the extent such delay or failure is caused by
fire, flood, explosion, war, terrorist act, strike, embargo, government
requirement, civil or military authority, act of God, or other similar causes
beyond its control and without the fault or negligence of the other Party
("Force Majeure Conditions"). If any Force Majeure Condition occurs, the Party
delayed or unable to perform shall give immediate notice to the other Party,
stating the nature of the Force Majeure Condition and any action being taken to
avoid or minimize its effect and its estimate of how long such delay or failure
will continue. If the Force Majeure Condition continues for a period of at least
one hundred eighty (180) days, either Party may terminate this Agreement by
delivery of written notice to the other Party.

12. NOTICES. Any notice, request, instruction or other communication to be given
hereunder by a Party hereto shall be in writing and shall be deemed to have been
given, (i) when received if given in person or by a messenger or courier
service, (ii) on the date of confirmed transmission if sent by facsimile or
other wire transmission or (iii) three (3) Business Days after being deposited
in the U.S. mail, certified or registered, postage prepaid, addressed as
follows:

                        If to the NASE:

                        National Association for the Self-Employed, Inc.
                        Capital Center
                        1235 Main Street
                        Suite 100
                        Grapevine, TX 76051
                        Attention: Robert E. Hughes
                        Facsimile No.: (817) 251-1599

                        If to PDA:

                        Performance Driven Awards, Inc.
                        500 Grapevine Highway
                        Hurst, TX 76054
                        Attention: Donna E. Bruskie
                        Facsimile No.: (817) 255 3816

                        With a copy to:

                        UICI
                        9151 Grapevine Highway
                        North Richland Hills, Texas 76180
                        Attention: Executive Vice President and General Counsel
                        Facsimile No.: (817) 255-5394

or to such other individual or address as a Party hereto may designate for
itself by notice given as herein provided.

13. WAIVERS. The failure of either Party hereto at any time or times to require
performance of any provision hereof shall in no manner affect its right at a
later time to enforce the same or any other provision. No waiver by a Party of
any condition or of any breach of any term, covenant, representation or warranty
contained in this Agreement shall be effective unless in writing, and no waiver
in any one or more instances shall be deemed to be a further or continuing
waiver of any such condition or breach in other instances or a waiver of any
other condition or breach of any other term, covenant, representation or
warranty.

                                       7
<PAGE>

14. COUNTERPARTS. This Agreement may be executed in counterparts, including by
facsimile signatures, each of which shall be deemed an original, but all of
which together shall constitute one and the same instrument.

15. INTERPRETATION. The headings preceding the text of Sections included in this
Agreement are for convenience only and shall neither be deemed part of this
Agreement nor be given any effect in interpreting this Agreement. The use of the
masculine, feminine or neuter gender herein shall not limit any provision of
this Agreement. The use of the terms "including" or "include" shall in all cases
herein mean "including, without limitation" or "include, without limitation,"
respectively. The Parties have jointly participated in the negotiation and
drafting of this Agreement. In the event of any ambiguity or if a question of
intent or interpretation arises, this Agreement shall be construed as if drafted
jointly by all Parties and no presumption or burden of proof shall arise
favoring any Party by virtue of the authorship of any provisions of this
Agreement.

16. ASSIGNMENT. This Agreement shall be binding upon and inure to the benefit of
the Parties and their respective successors and assigns. Notwithstanding the
foregoing, no assignment of any rights or obligations shall be made by either
Party without the written consent of the other Party.

17. NO THIRD PARTY BENEFICIARIES. This Agreement is solely for the benefit of
the Parties hereto and no provision of this Agreement shall be deemed to confer
upon other third parties any remedy, claim, liability, cause of action or other
right.

18. FURTHER ASSURANCES. Upon reasonable request of either Party, the other Party
will execute and deliver such other documents as may be required to effectuate
completely the purposes of this Agreement.

19. SEVERABILITY. If any provision of this Agreement shall be held invalid,
illegal or unenforceable, the validity, legality or enforceability of the other
provisions hereof shall not be affected thereby, and there shall be deemed
substituted for the provision at issue a valid, legal and enforceable provision
as similar as possible to the provision at issue.

20. REMEDIES CUMULATIVE. The remedies provided in this Agreement shall be
cumulative and shall not preclude the assertion or exercise of any other rights
or remedies available by law, in equity or otherwise.

21. ENTIRE AGREEMENT; AMENDMENTS. This Agreement sets forth the entire agreement
and understanding of the Parties with respect to the matters set forth herein
and supersedes any and all prior written or oral discussions, negotiations,
proposals, agreements, arrangements and understandings among the Parties
relating thereto except as may be set forth in a contemporaneous or subsequent
written agreement signed by the Parties and except that nothing contained herein
shall affect any rights of either Party under that certain Enrollment Contract
between the NASE and Performance Driven Awards, Inc. ("PDA") dated January 1,
2002 which accrued as of the date hereof. The provisions of this Agreement may
not be modified, changed, amended or rescinded in any manner except by a written
instrument signed by an authorized representative of all of the Parties hereto.

22. GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of Texas, without reference to its choice
of law rules.

23. BINDING ARBITRATION. Any dispute, controversy, or claim among or between the
Parties relating to or arising from this Agreement shall be submitted to and
settled by binding arbitration ("Arbitration"), administered by the Dallas,
Texas office of the American Arbitration Association ("AAA") and

                                       8
<PAGE>

conducted pursuant to the current rules of the AAA governing commercial
disputes. The Arbitration hearing shall take place in Dallas, Texas, unless
otherwise agreed to by the Parties. Such Arbitration shall be before three
neutral arbitrators(the "Panel") licensed to practice law and familiar with
commercial disputes.Any award rendered in any Arbitration shall be final and
conclusive upon the Parties, and the judgment thereon may be entered in the
highest court of the forum (state or federal) having jurisdiction over the
issues addressed in the Arbitration. The administration fees and expenses of the
Arbitration shall be borne equally by the NASE and PDA, provided that each Party
shall pay for and bear the cost of its own experts, evidence, and attorney's
fees, except that, in the discretion of the Panel, any award may include the
cost of a Party's counsel and/or its share of the expense of Arbitration if the
Panel expressly determines that an award of such costs is appropriate to the
Party whose position substantially prevails in such Arbitration. To submit a
matter to Arbitration, the Party seeking redress shall notify in writing the
Party against whom such redress is sought, describe the nature of such claim,
the provision of this Agreement that has allegedly been violated and the
material facts surrounding such claim. The Panel shall render a single written
decision. The decision of the Panel shall be binding upon the Parties, and after
the completion of such Arbitration, the Parties may only institute litigation
regarding the Agreement for the sole purpose of enforcing the determination of
the Arbitration hearing or seeking injunctive or equitable relief.

24. TERM AND TERMINATION.

      (a) The term (the "Term") of this Agreement shall commence on the date
hereof and shall continue until December 31, 2005, and shall automatically be
extended from year to year thereafter unless either Party gives the other Party
not less than twelve (12) months' written notice that the Term will not be
extended. During the twelve (12) month termination period, the provisions of
this Agreement shall continue in full force and effect.

      (b) This Agreement may be terminated by either Party hereto (the
"Terminating Party") upon not less than forty-five (45) days' prior written
notice to the other Party (the "Defaulting Party") upon the occurrence of any of
the following events:

            (i) Any representation, warranty or certification made or deemed
      made by the Defaulting Party (or any of its respective officers) hereunder
      or in any certificate, report, notice, or financial statement furnished at
      any time in connection with the Agreement shall be false, misleading, or
      erroneous in any material respect when made or deemed to have been made.

            (ii) The Defaulting Party shall fail to perform, observe, or comply
      with any material covenant, agreement, or term contained in the Agreement
      and such failure shall continue for a period of thirty (30) days after the
      date the Terminating Party provides the Defaulting Party with notice
      thereof.

            (iii) The Defaulting Party shall admit in writing its inability to,
      or be generally unable to, pay its debts as such debts become due.

            (iv) The Defaulting Party shall (i) apply for or consent to the
      appointment of, or the taking of possession by, a receiver, rehabilitator,
      conservator, custodian, trustee, liquidator or the like of itself or of
      all or a substantial part of its property, (ii) make a general assignment
      for the benefit of its creditors, (iii) commence a voluntary case under
      the United States Bankruptcy Code (as now or hereafter in effect, the
      "Bankruptcy Code"), (iv) institute any proceeding or file a petition
      seeking to take advantage of any other law relating to bankruptcy,
      insolvency, reorganization, liquidation, dissolution, winding-up, or
      composition or readjustment of debts, (v) fail to controvert in a timely
      and appropriate manner, or acquiesce in writing to, any petition filed

                                       9
<PAGE>

      against it in an involuntary case under the Bankruptcy Code or under any
      other such law, or (vi) take any corporate or other action for the purpose
      of effecting any of the foregoing.

            (v) A proceeding or case shall be commenced, without the
      application, approval or consent of the Defaulting Party, in any court of
      competent jurisdiction, seeking (i) its reorganization, liquidation,
      dissolution, arrangement or winding-up, or the composition or readjustment
      of the Defaulting Party's debts, (ii) the appointment of a receiver,
      rehabilitator, conservator, custodian, trustee, liquidator or the like of
      such entity or of all or any substantial part of its property, or (iii)
      similar relief in respect of the Defaulting Party under any law relating
      to bankruptcy, insolvency, reorganization, winding-up, or composition or
      adjustment of debts, and such proceeding or case shall continue
      undismissed, or an order, judgment or decree approving or ordering any of
      the foregoing shall be entered and continue unstayed and in effect, for a
      period of sixty (60) or more days; or an order for relief against the
      Defaulting Party shall be entered in an involuntary case under the
      Bankruptcy Code.

            (vi) The Defaulting Party shall fail to discharge within a period of
      thirty (30) days after the commencement thereof any unstayed attachment,
      sequestration, forfeiture, or similar proceeding or proceedings involving
      an aggregate amount in excess of $1.0 million against any of its
      properties.

            (vii) A final judgment or judgments for the payment of money in
      excess of $1.0 million in the aggregate shall be rendered by a court or
      courts against the Defaulting Party and the same shall not be discharged
      (or provision shall not be made for such discharge), or a stay of
      execution thereof shall not be procured, within thirty (30) days from the
      date of entry thereof and the Defaulting Party shall not, within said
      period of thirty (30) days, or such longer period during which execution
      of the same shall have been stayed, appeal therefrom and cause the
      execution thereof to be stayed during such appeal.

            (viii) The Defaulting Party shall fail to pay when due any principal
      of or interest on any indebtedness for borrowed money in excess of
      $500,000, or the maturity of any such indebtedness shall have been
      accelerated, or any such indebtedness shall have been required to be
      prepaid in full prior to the stated maturity thereof, or any event shall
      have occurred that permits (or, with the giving of notice or lapse of time
      or both, would permit) any holder or holders of such indebtedness or any
      Person acting on behalf of such holder or holders to accelerate the
      maturity thereof or require any such prepayment.

                                       10
<PAGE>

      (c) The expiration or termination of this Agreement shall not affect the
NASE's obligation to compensate PDA under Section 5 hereof with respect to then
existing memberships for so long as such memberships are renewed.

      IN WITNESS WHEREOF, the Parties have caused this Agreement to be executed
and delivered as of the date first above written.

                        NATIONAL ASSOCIATION FOR THE SELF-EMPLOYED, INC.

                        By:  _________________________________________

                        Print Name:  _________________________________

                        Title:  ______________________________________

                        PERFORMANCE DRIVEN AWARDS, INC.

                        By:  _________________________________________

                        Print Name:  _________________________________

                        Title:  ______________________________________

                                       11

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