Document:

Exhibit 10.6

                          REGISTRATION RIGHTS AGREEMENT

         This  Registration  Rights  Agreement  (this  "Agreement")  dated as of
November 2, 2000, is by and between PaperClip Software, Inc. (the "Company"),  a
Delaware  corporation  and  Access  Solutions  International,  Inc.,  a Delaware
corporation ("Purchaser").

         WHEREAS,  the  Company  and  Purchaser  have  entered  into a  Series A
Preferred  Stock  Purchase  Agreement  (the  "Purchase  Agreement")  dated as of
November  2, 2000,  pursuant to which the  Company  will issue and sell  certain
securities  to Purchaser on the terms and  conditions  set forth in the Purchase
Agreement; and

         WHEREAS,   but  for  the  Company's  execution  and  delivery  of  this
Agreement,  the  Purchaser  would  not be  willing  to enter  into the  Purchase
Agreement  or  to  consummate  the  transactions  thereby  contemplated,   which
transactions will benefit the Company.

         NOW  THEREFORE,  in  consideration  of the  foregoing and of the mutual
agreements  and  covenants  contained  herein,  and for other good and  valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto, each intending to be legally bound, do hereby agree as follows:

         1.  Definitions.  Capitalized  terms used and not otherwise  defined in
this  Agreement have the  respective  meanings  ascribed to them in the Purchase
Agreement. In addition, as used in this Agreement:

         "Commission" means the Securities and Exchange Commission.

         "Holders"  means the Purchaser and all persons to whom any  Registrable
Securities  are  transferred  in accordance  with the provisions of the Purchase
Agreement,  and  "Holder"  means  any one of the  Holders.  Unless  the  context
otherwise requires,  for all purposes of this Agreement, a Holder will be deemed
to hold, at any  particular  time, all shares of Common Stock issued or issuable
upon  conversion  of shares of Series A  Preferred  Stock held by such Holder at
such time.

         "Registered"  and  "registration"  (regardless of whether  capitalized)
refer  to a  registration  effected  by  preparing  and  filing  a  registration
statement in compliance  with the Securities Act and the declaration or ordering
by the Commission of the effectiveness of such registration statement.

         "Registrable  Securities"  means, at any particular time, all shares of
Common Stock issued or issuable in respect of (i)  Purchased  Securities  and/or
(ii) other shares of Series A Preferred  Stock held by parties to this Agreement
(except the Company).  Securities  will cease to be Registrable  Securities when
they have been sold pursuant to an effective  registration  statement  under the
Securities Act, or eligible to be sold pursuant to Rule 144 under the Securities
Act, or any other exemption from the registration requirements of the Securities
Act under which the  transferee  receives  securities  that are not  "restricted
securities" within the meaning of that term as defined in Rule 144(a)(3).

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         "Underwriters'  Maximum Number" means,  with respect to an underwritten
registration,  that number of  securities to which such  registration  should be
limited,   in  the  written  opinion  of  the  managing   underwriters  of  such
registration in the light of marketing factors.

         2. Piggyback Registrations.

         (a) Rights to Piggyback.

                  (i) If (and on each  occasion  that) the  Company  proposes to
register any of its securities under the Securities Act (except registrations of
securities  in  connection  with  (i)  an  employee  benefit  plan  or  dividend
reinvestment  plan or (ii) debt securities which are not convertible into equity
securities  of the  Company),  either for the  Company's  own account or for the
account of any of its security holders (each such  registration not withdrawn or
abandoned prior to the effective date thereof, a "Piggyback Registration"),  the
Company  will  give  written  notice  to  each  of the  Holders  of  Registrable
Securities of such proposal not later than the earlier to occur of (A) the tenth
day  following  the  receipt  by  the  Company  of  notice  of  exercise  of any
registration  rights by any  persons,  and (B) 30 days prior to the  anticipated
filing date of such Piggyback Registration.

                  (ii) Subject to the provisions contained in paragraphs (b) and
(c) of this  Section 2 and in the last  sentence  of this clause  (ii):  (A) the
Company  will be  obligated  to  include  in  each  Piggyback  Registration  all
Registrable  Securities  with respect to which the Company  receives,  within 20
days  after  the date on which the  Company  has  given  written  notice of such
Piggyback  Registration to Holders of Registrable Securities pursuant to Section
2(a)(i)  hereof,  the written  requests of such  Holders for  inclusion  in such
Piggyback  Registration,  and (B) the Company  will use its best efforts in good
faith to effect promptly the  registration of all such  Registrable  Securities.
Holders  will be  permitted  to  withdraw  all or any part of their  Registrable
Securities  from any Piggyback  Registration  at any time prior to the effective
date of such Piggyback Registration.

         (b) Priority in Piggyback Registrations. If a Piggyback Registration is
an underwritten registration, and the managing underwriters thereof give written
advice to the Company of an Underwriters'  Maximum Number, then: (i) the Company
will be entitled to include in such  registration that number of securities that
the Company proposes to offer and sell for its own account in such  registration
and which does not exceed the  Underwriters'  Maximum  Number;  (ii) the Company
will be obligated  to include in such  registration  that number of  Registrable
Securities  that have been  requested  by Holders and which is not more than the
difference between the Underwriters' Maximum Number and the number of securities
that the Company includes in such registration  under clause (i) above, and such
number of Registrable  Securities  will be allocated pro rata among such Holders
on the basis of the number of Registrable  Securities  held by each such Holder;
and (iii) if the Holders have been permitted to include in such registration all
shares  that they have  requested  so to include and the  Underwriters'  Maximum

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Number exceeds the sum of the number of Registrable  Securities that the Company
has been  requested to include in such  registration  for the account of Holders
and the number of securities that the Company proposes to offer and sell for its
own  account  in  such  registration,  then  the  Company  may  include  in such
registration  that number of other  securities  that persons  other than Holders
have  requested be included in such  registration  and which is not greater than
such excess.

         (c)  Selection of  Underwriters.  In any  Piggyback  Registration,  the
Company  will have the right to  select  the  investment  bankers  and  managing
underwriters in such registration.

         3. Lockup Agreements.

         (a)  Restrictions on Public Sale by Holders of Registrable  Securities.
Each Holder of Registrable  Securities,  any of whose Registrable Securities are
included in any underwritten  registration of the Company's  securities,  if the
Company or the managing  underwriters  so request of such Holders in  connection
with such  registration,  will not,  without  the prior  written  consent of the
Company or such  underwriters,  effect any public sale or other  distribution of
any Registrable Securities,  including any sale pursuant to Rule 144, during the
seven days prior to, and during the 90-day period  following the effective  date
of such underwritten  registration,  except in connection with such underwritten
registration;  provided  that each  officer and director of the Company and each
other  person  who is  also an  Affiliate  of the  Company  enter  into  similar
agreements  with respect to all equity  securities  of the Company held by them,
and provided,  further,  that to the extent that any such officer,  director, or
other  Affiliate  of the  Company  is  released  (in whole or in part) from such
lock-up agreement prior to its scheduled termination date, each Holder will have
a  proportionate  percentage of its  Registrable  Securities  released from such
lock-up agreement.

         (b) Restrictions on Public Sale by Company. The Company will not effect
any  public  sale or other  distribution  of equity  securities,  or  securities
exercisable or exchangeable for, or convertible into, equity securities,  during
the seven days prior to, and during the 90-day  period  following  the effective
date  of  such  underwritten  registration,   except  in  connection  with  such
underwritten registration.

         4. Registration  Procedures.  If (and on each occasion  that) the
Company  becomes  obligated  to  effect  any  registration  of  any  Registrable
Securities  hereunder,  the Company  will use its best  efforts in good faith to
effect  promptly  the  registration  of such  Registrable  Securities  under the
Securities  Act and to permit the public  offering and sale of such  Registrable
Securities  in  accordance  with the Holders'  intended  methods of  disposition
thereof,  and, in connection  therewith,  the Company,  as  expeditiously  as is
reasonably possible, will:

         (a) prepare and file with the Commission a registration  statement with
respect to such Registrable  Securities,  and use its best efforts in good faith
to cause such registration  statement to become and remain effective as provided
in this Agreement;

         (b)  prepare  and  file  with  the  Commission   such   amendments  and
supplements to such registration  statement and the prospectus  included in such
registration  statement  as may be  necessary  or  advisable  to  comply  in all

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material  respects with the provisions of the Securities Act with respect to the
disposition of all securities  covered by such registration  statement or as may
be necessary to keep such registration statement effective and current;

         (c) furnish to each  seller of  Registrable  Securities  such number of
copies of such registration statement, each amendment and supplement thereto (in
each case  including  all exhibits  thereto),  the  prospectus  included in such
registration statement (including each preliminary  prospectus),  and such other
documents as any such seller may  reasonably  request in order to facilitate the
disposition of the Registrable Securities held by such seller;

         (d) enter into such customary agreements and take all such other action
in  connection  therewith  as any  Holder  may  reasonably  request  in order to
expedite or facilitate the disposition of such Registrable Securities; and

         (e)  use its best efforts in good faith (i) to list the Registrable
Securities to be registered in such registration on each securities  exchange or
quotation system on which similar securities of the Company are then listed, and
(ii)  to  register  and  qualify  the  Registrable  Securities  covered  by such
registration   statement  under  such  securities  or  Blue  Sky  laws  of  such
jurisdictions as any Holder may reasonably request and do any and all such other
acts and things as may be  reasonably  necessary  or  advisable  to enable  such
Holder to consummate the  disposition in such  jurisdictions  of the Registrable
Securities held by such Holder.

         5.        Cooperation by Holders, Etc.

         (a) Each Holder requesting  registration of Registrable Securities will
furnish to the Company in writing such information as the Company may reasonably
require from such Holder, and otherwise reasonably cooperate with the Company in
connection  with any  registration  statement  with respect to such  Registrable
Securities.

         (b) The failure of any prospective seller of Registrable  Securities to
furnish any information or documents in accordance with any provision  contained
in this  Agreement  will not affect the  obligations  of the Company  under this
Agreement to any remaining  sellers who furnish such  information  and documents
unless in the reasonable  opinion of counsel to the Company or the underwriters,
such failure impairs or may impair the viability of the offering or the legality
of the registration statement or the underlying offering.

         (c) Each Holder of Registrable  Securities included in any registration
statement will not (until further  notice) effect sales thereof after receipt of
telegraphic  or written  notice from the Company to such Holder to suspend sales
to permit  the  Company  to correct or update  such  registration  statement  or
prospectus;  but the  obligations of the Company with respect to maintaining any
registration  statement  current and  effective  will be extended by a period of
days equal to the aggregate period any such suspensions are in effect.

         (d) At the end of any period  during  which the Company is obligated to
keep any registration  statement  current and effective as provided by Section 4
hereof (and any extensions  thereof  required by the preceding  paragraph (c) of
this  Section  5),  the  Holders  of  Registrable  Securities  included  in such

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registration  statement  will  discontinue  sales  of  shares  pursuant  to such
registration  statement  upon  notice  from the  Company to such  Holders of its
intention to remove from  registration  the shares covered by such  registration
statement  which remain unsold,  and such Holders will notify the Company of the
number of shares  registered  that remain unsold  promptly after receipt of such
notice from the Company.

         6. Registration Expenses.

         (a) The  Company  will be  responsible  for and will pay all  costs and
expenses  incurred  or  sustained  in  connection  with or  arising  out of each
registration  pursuant to this Agreement,  including,  without  limitation,  all
registration and filing fees, fees and expenses of compliance with securities or
Blue Sky laws (including  reasonable fees and  disbursements  of counsel for the
underwriters  in  connection  with  the Blue Sky  qualification  of  Registrable
Securities),  printing expenses,  messenger,  telephone,  and delivery expenses,
fees and disbursements of counsel for the Company, fees and disbursements of all
independent certified public accountants for the Company (including the expenses
relating to the preparation and delivery of any special audit or comfort letters
required by or incident to such  registration),  and fees and  disbursements  of
underwriters  (excluding  discounts and  commissions),  the reasonable  fees and
expenses of any special experts retained by the Company on its own initiative or
at  the  request  of  the  managing   underwriters   in  connection   with  such
registration,  and fees and expenses of all (if any) other  persons  retained by
the  Company,  provided  that  the  Holders  (and  not  the  Company)  shall  be
responsible for and will pay all fees, expenses and disbursement of all (if any)
counsel and other  persons  retained by the Holders (all such costs and expenses
that  are  the  responsibility  of  the  Company  as  aforesaid,   collectively,
"Registration  Expenses").  The  Company  will,  in any case,  pay its  internal
expenses  (including,  without  limitation,  all  salaries  and  expenses of its
officers and employees  performing legal or accounting  duties),  the expense of
any annual  audit,  and the fees and expenses  incurred in  connection  with the
listing of the  securities  to be  registered  on each  securities  exchange  or
quotation system on which similar securities of the Company are then listed.

         (b) The  Company  will  not  bear  the  cost  of nor pay for any  stock
transfer taxes imposed in respect of the transfer of any Registrable  Securities
to any purchaser  thereof by any Holder of Registrable  Securities in connection
with any registration of Registrable Securities pursuant to this Agreement.

         (c)  To  the  extent  that   Registration   Expenses  incident  to  any
registration are, under the terms of this Agreement,  not required to be paid by
the Company, each Holder of Registrable Securities included in such registration
will pay all Registration  Expenses that are clearly solely  attributable to the
registration  of  such  Holder's  Registrable  Securities  so  included  in such
registration,  and all other  Registration  Expenses not so  attributable to one
Holder  will be borne and paid by all  sellers of  securities  included  in such
registration  pro rata in  proportion to the number of securities so included by
each such seller.

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         7. Indemnification.

         (a) Indemnification by Company.  The Company will indemnify each Holder
joining in a registration  and each underwriter of the securities so registered,
the  officers,  directors,  and partners of each such person and each person who
controls  (within the meaning of the Securities  Act) any of the foregoing,  and
their respective successors and assigns, against any and all damages arising out
of or based  on any  untrue  statement  (or  alleged  untrue  statement)  of any
material fact contained in any prospectus,  offering  circular or other document
incident to any  registration,  qualification  or compliance  (or in any related
registration  statement,  notification  or the like) or any omission (or alleged
omission) to state therein any material  fact  required to be stated  therein or
necessary to make the statements therein not misleading, or any violation by the
Company  of  any  rule  or  regulation  promulgated  under  the  Securities  Act
applicable  to the 'Company  and relating to any action or inaction  required of
the  Company  in  connection  with  any  such  registration,  qualification,  or
compliance;  provided,  however, that the Company will not be liable in any such
case to the extent that any such damages arise out of or are based on any untrue
statement or omission based upon written information furnished to the Company in
an  instrument  duly  executed by any Holder or any such  underwriter,  officer,
director,  partner,  or controlling person and stated to be specifically for use
in such prospectus, offering circular, or other document.

         (b)  Indemnification by Each Holder.  Each Holder requesting or joining
in  a  registration  will  indemnify  each  underwriter  of  the  securities  so
registered,  the Company and its officers and directors and each person, if any,
who controls  (within the meaning of the  Securities  Act) any of the foregoing,
and their respective successors and assigns, against any and all damages arising
out of or based on any untrue  statement  (or alleged  untrue  statement) of any
material fact contained in any prospectus,  offering circular, or other document
incident to any  registration,  qualification  or compliance  (or in any related
registration  statement,  notification  or the like) or any omission (or alleged
omission) to state therein any material  fact  required to be stated  therein or
necessary to make the statement  therein not misleading,  but only if and to the
extent  that such  statement  or  omission  was made in  reliance  upon  written
information  furnished to such  underwriter or the Company in an instrument duly
executed by such Holder (or, with the knowledge of such Holder, duly executed on
behalf of such Holder) and stated to be specifically for use in such prospectus,
offering  circular,  or  other  document  (or  related  registration  statement,
notification, or the like) or any amendment or supplement thereto.

         (c) Indemnification Proceedings. Each party entitled to indemnification
pursuant to this  Section 7 (the  "indemnified  party")  will give notice to the
party  required  to  provide  indemnification  pursuant  to this  Section 7 (the
"indemnifying  party")  promptly after such  indemnified  party acquires  actual
knowledge of any claim as to which indemnity may be sought,  and will permit the
indemnifying  party (at its  expense)  to assume the defense of any claim or any
litigation  resulting  therefrom;  provided  that  counsel for the  indemnifying
party,  who will  conduct  the  defense  of such  claim or  litigation,  must be
acceptable to the indemnified  party, and the indemnified  party may participate
in such defense at such party's expense; and provided, further, that the failure
by any  indemnified  party to give notice as provided in this paragraph (c) will
not relieve  any  indemnifying  party of its  obligations  under this  Section 7
except if and to the  extent  that such  failure  results in a failure of actual
notice  to the  indemnifying  party  and such  indemnifying  party  is  actually
prejudiced  solely as a result of such failure to give notice.  No  indemnifying
party,  in the defense of any such claim or  litigation,  will,  except with the
consent of each  indemnified  party,  consent to entry of any  judgment or enter
into any settlement that does not include as an  unconditional  term thereof the

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giving by the claimant or plaintiff to such indemnified  party of a release from
all liability in respect to such claim or litigation. The reimbursement required
by this  Section 7 will be made by  periodic  payments  during the course of the
investigation or defense,  as and when bills are received or expenses  incurred,
and may be conditioned upon an undertaking by the indemnified party to reimburse
the indemnifying  party in the event the indemnified party is finally determined
by a court of competent jurisdiction not to be entitled to indemnification.

         8.  Contribution  in Lieu of  Indemnification.  If the  indemnification
provided for in Section 7 hereof is  unavailable to a party that would have been
an indemnified  party in respect of any damages  referred to therein,  then each
party that would have been an  indemnifying  party  thereunder  will, in lieu of
indemnifying such indemnified party, contribute to the amount paid or payable by
such  indemnified  party as a result of such  damages in such  proportion  as is
appropriate  to reflect the relative  fault of the  indemnifying  party and such
indemnified party, respectively,  in connection with the statements or omissions
which  resulted in such damages.  Relative fault will be determined by reference
to,  among other  things,  whether the untrue or alleged  untrue  statement of a
material  fact or the  omission  or alleged  omission  to state a material  fact
relates to  information  supplied  by or, with its  knowledge,  on behalf of the
indemnifying  party or such indemnified  party and the parties' relative intent,
knowledge,  access to  information  and  opportunity  to correct or prevent such
statement or  omission.  The Company and each Holder of  Registrable  Securities
agree that it would not be just and equitable if  contribution  pursuant to this
Section 8 were  determined  by pro rata  allocation  or by any  other  method of
allocation that does not take account of the equitable  considerations  referred
to above in this  Section 8. No person  guilty of  fraudulent  misrepresentation
(within the meaning of Section 11(f) of the Securities  Act) will be entitled to
contribution   from  any  person   who  was  not   guilty  of  such   fraudulent
misrepresentation.

         9. Rule 144 Requirements.  The Company will take all steps necessary to
make publicly  available  and available to the Holders,  pursuant to Rule 144 of
the Commission  under the Securities Act, such current public  information as is
necessary  to enable the  Holders  of  Registrable  Securities  to make sales of
Registrable  Securities  pursuant to that Rule.  The Company will furnish to the
Holders,  upon request at any time, a written  statement  signed by the Company,
addressed to each Holder, describing briefly the action the Company has taken or
proposes to take to comply with the current public  information  requirements of
Rule 144. Upon receipt of a certificate certifying (i) that such Holder has held
such  Purchased  Securities  for a period  of not less  than two  years (or such
lesser period after which the exemption from registration pursuant to which Rule
144(k) may be  available),  and (ii) that such Holder has not been an  affiliate
(as defined in Rule 144) of the Company during the preceding  three months,  the
Company will, at the request of any Holder of Purchased Securities,  remove from
the stock  certificates  representing such Purchased  Securities any restrictive
legend (or portion  thereof)  relating  to the  registration  provisions  of the
Securities Act.

         10.  Participation  in  Underwritten   Registrations.   No  person  may
participate in any underwritten  registration  pursuant to this Agreement unless
such person (a) agrees to sell such person's securities on the basis provided in
any  underwriting  arrangements  approved  by the  persons  entitled,  under the
provisions hereof, to approve such arrangements,  and (b) completes and executes

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all  questionnaires,   powers  of  attorney,  custody  agreements,  indemnities,
underwriting agreements, and other documents reasonably required by the terms of
such  underwriting  arrangements.  Any Holder of  Registrable  Securities  to be
included  in any  underwritten  registration  will be  entitled  at any  time to
withdraw  such  Registrable  Securities  from  such  registration  prior  to its
effective date in the event that such Holder  disapproves of any of the terms of
the related underwriting agreement.

         11.  Termination.  This Agreement  shall  terminate at such time as the
Holders are eligible to sell the Registrable Securities under Rule 144 and as to
any Registrable  Security on the date the Registrable  Security is sold pursuant
to an effective registration statement or pursuant to Rule 144.

         12.  Miscellaneous Provisions.

         (a)  Entire  Agreement;   Amendments,   Consents,  Waivers,  Etc.  This
Agreement,   together   with  the  Purchase   Agreement,   contains  the  entire
understanding and agreement among the parties,  or between or among any of them,
and supersedes and terminates any prior  understandings or agreements between or
among any of them, with respect to the subject matter hereof.  This Agreement or
any  provision  hereof may be amended or  terminated by agreement of the Company
and the Majority Holders,  and the observance of any provision of this Agreement
that is for the benefit of the Holders may be waived  (either  generally or in a
particular  instance,  and  either  retroactively  or  prospectively),  and  any
consent,  approval, or other action to be given or taken by the Holders pursuant
to this Agreement may be given or taken by the consent of the Majority  Holders;
provided, however, that any Holder may in writing waive, as to himself, herself,
or itself only, the benefits of any provision of this Agreement.

         (b) Notices.  All notices,  requests,  payments,  instructions or other
documents   to  be  given   hereunder   will  be  in   writing   or  by  written
telecommunication,  and will be deemed to have been duly given if  delivered  in
accordance with the Purchase Agreement.

         (c)  Counterparts.  This  Agreement  may be  executed by the parties in
separate  counterparts,  each of which when so executed and delivered will be an
original, but all of which together will constitute one and the same instrument.
In pleading or proving  this  Agreement,  it will not be necessary to produce or
account for more than one such counterpart.

         (d) Captions. The captions of sections or subsections of this Agreement
are for reference only and will not affect the interpretation or construction of
this Agreement.

         (e) Binding Effect and Benefits.  This Agreement will bind and inure to
the benefit of the parties hereto and their respective  successors and permitted
assigns. Except as otherwise provided in this Agreement,  the provisions of this
Agreement  that are for the  Holders'  benefit  will inure to the benefit of all
permitted transferees of Registrable Securities.  Nothing in this Agreement will
confer any rights or  remedies on any person  other than the parties  hereto and
their respective successors and permitted assigns.

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         (f)  Construction.  The language used in this Agreement is the language
chosen by the  parties to express  their  mutual  intent,  and no rule of strict
construction will be applied against any party.

         (g) Severability.  No invalidity or  unenforceability of any section of
this Agreement or any portion thereof will affect the validity or enforceability
of any other section or the remainder of such section.

         (h) Equitable Relief. Each of the parties  acknowledges that any breach
by such party of his, her, or its  obligations  under this Agreement would cause
substantial and irreparable  damage to one or more of the other parties and that
money damages would be an inadequate  remedy therefor.  Accordingly,  each party
agrees that the other parties or any of them will be entitled to an  injunction,
specific  performance,  and/or other  equitable  relief to prevent the breach of
such obligations.

         (i) Governing Law and Choice of Exclusive Forum. This Agreement will be
governed by and  interpreted  and construed in accordance  with the  substantive
laws of the State of Delaware, without reference to conflicts of law issues. The
parties  also  agree  that any and all  actions  concerning  or  related to this
Agreement  and the subject  matter hereof shall only be brought in the courts of
the State of Rhode  Island,  including  the federal  courts for the  District of
Rhode  Island,  and that said  courts  shall have  exclusive  jurisdiction  with
respect to such actions.

         IN WITNESS WHEREOF,  each of the parties has executed this Agreement as
an agreement under seal on and as of the date first above written.

                                    PAPERCLIP SOFTWARE, INC.

                                    By:
                                       -----------------------------------------

PURCHASER:                          ACCESS SOLUTIONS INTERNATIONAL, INC.

                                    By:
                                       -----------------------------------------

                                       9IHC Insurance Agency, LLC
                                                             Agency Agreement

     THIS  AGREEMENT  is made and entered as of the 31st day of  December  2002,
between IHC Health Plans,  Inc., a Utah  nonprofit  corporation  with  principal
offices in Salt Lake City,  Utah, plus IHC Benefit  Assurance  Company,  Inc., a
Utah  corporation  with its principal  office in Salt Lake City,  Utah,  both of
which are  together  herein  referred to as "IHC" (or "us" or "we"),  and Fringe
Benefit Analysts, Inc. (herein referred to as "Agency" or "you" or "your"), with
principal offices in Layton, Utah.

10/01

<PAGE>

                                            AGENCY AGREEMENT
                                            TABLE OF CONTENTS

Fact Sheet..................................................................  1
Table of Contents ..........................................................  2

ARTICLE I - APPOINTMENT
            ------------
          1.1 Appointment ..................................................  4
          1.2 Letters of Record ............................................  5
          1.3 Agents and Sub-agents ........................................  6

ARTICLE n - QUALIFICATIONS. DUTIES. RIGHTS. AND LIMITATIONS
            -----------------------------------------------
         2.1 Qualifications ................................................  6
         2.2 Duties ........................................................  8
         2.3 Rights ........................................................  9
         2.4 Limitations ...................................................  9
         2.5 Compliance with Title 18,
               United States Code, Sec.s 1033 and 1034 .....................  9

ARTICLE in - COMPENSATION
             ------------
         3.1 Commissions ................................................... 10
         3.2 Top Producer Bonus ............................................ 11
         3.3 IHC BrokerLine ................................................ 11

ARTICLE IV - TERM AND TERMINATION
             --------------------
         4.1 Termination of Agreement and Appointment ...................... 11
         4.2 Obligations of the Parties Upon Termination ................... 13
         4.3 Loss of Direct Agent Appointment. ............................. 13
         4.4 Continuously and Properly Licensed ............................ 14

ARTICLE V - GENERAL TERMS
            -------------
         5.1 Applicable Law; Arbitration ................................... 14
         5.2 Assignments ................................................... 14
         5.3 Calendar Days ................................................. 14
         5.4 Confidentiality ............................................... 15
         5.5 Exhibits ...................................................... 15
         5.6 Force Majeure ................................................. 15
         5.7 Indemnification ............................................... 15
         5.8 Modification of the Agreement ................................. 16
         5.9 Notices ....................................................... 16
          5.10 Section Headings ............................................ 17
          5.11 Severability ................................................ 17
          5.12 State and Federal Laws ...................................... 17
          5.13 Successors in Interest ...................................... 17
          5.14 Superseding Effect .......................................... 17
          5.15 Tax and Duties .............................................. 18

                                       2
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ARTICLE VI - CONFIDENTIALITY AND SECURITY OF MEMBER DATA
             -------------------------------------------
         6.1 Definitions ................................................... 18
         6.2 Access ........................................................ 18
         6.3 Use ........................................................... 18
         6.4 Disclosure .................................................... 19
         6.5 Safeguards .................................................... 19
         6.6 Accounting & Reporting of Uses & Disclosures .................. 19
         6.7 Access to Agency . ............................................ 19
         6.8 Amendment of Protected Information . .......................... 20
         6.9 Termination ................................................... 20
         6.10 Termination Procedure ........................................ 20
         6.11 IHC'S Right to Injunctive Relief.............................. 20
         6.12 Amendment of this Agreemeent ................................. 21
Signatures ................................................................. 22
Exhibits ................................................................... 23

                                       3
<PAGE>

                                   WITNESSETH
                                   ----------

         WHEREAS,  IHC serves as either an insurer or as an intermediary between
premium-based  and self-insured  employer groups and individuals and health care
providers,  and has made  arrangements with such providers to render health care
services pursuant to mutually agreeable terms; and

         WHEREAS,  Agency  is an  insurance  agency  licensed  to  perform  such
services by the Utah Department of Insurance; and

         WHEREAS,  Agency  desires to provide such services for IHC (on types of
business  offered  by IHC) to help  establish  a  relationship  between  IHC and
various  insured,  self-insured,  and other employer  groups and  individuals in
exchange for commissions and other compensation as set forth herein;

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

                                    ARTICLE I
APPOINTMENT
-----------
 1.1    Appointment. IHC hereby appoints Agency, who hereby accepts a
        nonexclusive, nontransferable right (without prior written approval of
        IHC) to serve as a marketing Agency for IHC, authorized (subject to the
        limitations in this Agreement) to solicit, negotiate, sell, and service
        IHC insurance and other service contracts, provided that no such
        contract will take effect without prior approval of the Underwriting
        Department of IHC. This Appointment is expressly made subject to the
        terms, conditions, limitations, and restrictions of this Agreement.

             Unless  specified  otherwise by us, this  Appointment and Agreement
        will also apply to any appointment subsequently granted to you by IHC to
        represent  IHC  in  the  promotion  of  any  other  IHC  product.   This
        Appointment will be limited to that geographical  region in which we are
        functioning,  but you will not have any exclusive  rights with regard to
        IHC plans or services within such area.

                                       4
<PAGE>

        IHC service contracts intended to be included in the terms of this
Agreement include products offered by IHC Health Plans, Inc. and IHC Benefit
Assurance Company, Inc. In addition, this contract extends to the products of
any other company that authorizes IHC Insurance Agency, LLC to solicit business.
It is agreed that any and all Agent or Agency Agreement(s) signed by the Agent
or Agency prior to this Agreement are null and void.

1.2   Letters  of   Record.   Letters   of  Record   received   from  other  IHC
      appointed/authorized  agents on any of your groups and individuals will be
      verified    by   us    with    the    employer/individual    as   to   the
      employer's/individual's  intent.  If verified,  you will be notified by us
      and  given  one week to obtain  from the  employer/individual  a Letter of
      Rescission  rescinding the new Letter of Record.  If no such rescission is
      obtained  in that  period,  then we will  recognize  the new  agent as the
      servicing  agent for that group or  individual,  and the new agent and not
      you will be entitled to receive the  commissions for premiums paid on that
      group or  individual  beginning  with the next premium due date  following
      receipt of the new Letter of Record.  Except as provided  below,  IHC will
      honor a new or change in Letter of Record only after one year or more from
      the initial effective date of the contract.  IHC will,  however,  initiate
      and/or  support  change  actions  at any time an agent  is  involved  with
      fraudulent  activities or  misrepresentations  or is terminated by IHC for
      cause,  and IHC will not pay an agent or agency involved in these types of
      activities  after  such a  change.  If a client  insists  on a  change  of
      representation during the first year of a new IHC contract and an agent is
      willing to service with no compensation until the first year renewal,  IHC
      will  honor  the  new  agent  representation,  but  will  continue  to pay
      commission to the initial agent until renewal. If IHC receives an agent of
      record letter dated more than 30 days prior to the first renewal,  it will
      be returned, as we will only accept letters with a date of 30 days or less
      prior to the initial renewal to transfer the account.

                                       5
<PAGE>

1.3   Agents and Sub-agents.  In the event that any agent or sub-agent  employed
      by or  associated  with  Agency  has five or more  groups and at least Two
      Million Five Hundred Thousand Dollars ($2,500,000) annual IHC premium, and
      desires to be released  from Agency in order to work  directly with IHC or
      another agency and to retain commissions on produced groups, then in IHC'S
      discretion,  such  agent/sub-agent  may  be  declared  by  IHC  to  be  an
      independent  agent and receive Top  Producer  Bonuses as  described in the
      standard IHC Agent Agreement on business placed after such time. Following
      such a change.  Agency will not be entitled to receive commissions on such
      independent  agent's  production  and will not be  entitled  to count such
      agent's production towards Agency's Top Producer Bonus.

      If any agent or sub-agent employed by or associated with Agency desires to
      break away from Agency prior to reaching the five  group/Two  Million Five
      Hundred  Thousand  Dollar  ($2,500,000)  annual IHC premium  level,  then,
      except as provided in the following sentence, such change may only be made
      upon  agent/sub-agent  obtaining a signed release from Agency or obtaining
      some other signed agreement between Agency and agent/sub-agent authorizing
      such  result.  If there is a dispute  or  unwillingness  on the part of an
      Agency to release any agent or  sub-agent  from the  Agency,  and no other
      mutual  written  agreement  addresses  such  release,  then  the  agent or
      sub-agent and related accounts will be released no later than 90 days from
      such  written   request,   whether  or  not  Agency  agrees.

                                   ARTICLE II
                                   ----------

      QUALIFICATIONS,  DUTIES,  MGHTS,  AND LIMITATIONS

2.1   Qualifications.  To qualify as an Agency  hereunder,  you must have and at
      all  times  maintain  a valid  and  current  license  issued  by the  Utah
      Department of Insurance,  authorizing  you to sell and service health care

                                       6
<PAGE>

      service  contracts.  You will notact as an agency for IHC at any time when
      your  license is  terminated,  lapsed,  or  suspended,  regardless  of the
      reason, and you agree to immediately notify IHC any time that your license
      is terminated,  lapsed, suspended, or otherwise not in effect. All persons
      required to be  individually  licensed to provide  services  through  your
      agency pursuant to this Agreement must be appropriately  licensed, and you
      agree to  require  and to verify  that each such  person is  appropriately
      licensed at all times and to terminate  from acting under the authority of
      this Agreement any person not appropriately licensed.

      Pursuant to the Violent  Crime  Control  and Law  Enforcement  Act of 1994
      (Title 18,  United  States  Code,  Sec.s 1033 and 1034),  to qualify as an
      Agency for IHC, and for any individual to qualify as your agent selling or
      offering  IHC   products,   you,   each  of  your   employees,   and  each
      agent/sub-agent  associated  with you must  have not ever at any time been
      convicted  or plead  guilty  or have  been  found to be guilty of a felony
      crime  involving  dishonesty,  breach of trust,  or any crime  related  to
      insurance.  As an express condition of this Agreement and your Appointment
      as an Agency for IHC, you certify and promise that none of your employees,
      agents,  or  sub-agents  have been  convicted or plead guilty or have been
      found to be guilty of any such crime,  and you promise to promptly  notify
      IHC, as well as the Utah  Commissioner  of Insurance in the event that any
      such person is either  charged with or  convicted  of any such crime.  You
      also hereby agree to obtain written consent from the Utah  Commissioner of
      Insurance  before  engaging in the business of  insurance.  Any failure on
      your part to immediately terminate from employment and/or association with
      you of any person  convicted of such a crime will result in termination of
      this Agreement.

                                       7
<PAGE>

2.2   Duties. To qualify for the commissions,  overrides,  and bonuses specified
      below, you must continue as the Agency of record for each fully insured or
      partially self-funded account. (See above.)

      You agree to provide a high level of customer  service and support to your
      customers.  You further  agree to provide  your  agents/sub-agents  with a
      level of  administrative  support that is  reasonably  necessary to assist
      them in providing  good  customer  support,  including  but not limited to
      promptly paying agents and sub-agents their share of commissions and other
      compensation received from IHC for IHC business.

      You agree to actively and in good faith promote our products,  plans,  and
      services in regard to initial sales,  customer support, and renewals.  You
      will  indemnify  us in full  against  any loss of  money  or of  property,
      including any incurred costs and/or  expenses which we sustain through any
      fraudulent or dishonest act or culpable  negligence on your part or on the
      part of anyone  working  for you,  including  but not  limited to any acts
      identified in 2.4 below.

      You will at all times maintain errors and omissions  insurance coverage on
      yourself and all your  employees,  and require  agents and  sub-agents  to
      provide  evidence of coverage at a minimum  amount of One Million  Dollars
      ($1,000,000).  You will provide  evidence of such  coverage to us prior to
      your  selling  the first group or  individual  policy for us, and you will
      provide  evidence  of  such  insurance  for  all  of  your  other  agents,
      sub-agents, and employees, with proof of coverage to us within thirty (30)
      days of the  appointment  or  employment  of such  individuals.  All  such
      coverage  will be  maintained  in force  after  such dates as long as this
      Agreement  is in effect,  and your  authority  to act as an Agency for IHC
      will be suspended any time such coverage is not in effect.

      You agree to abide by and conduct yourself with honesty and integrity,  in
      accordance  with  guidelines that may be promulgated and modified by us in
      "IHC BrokerLme" from time to time, and in all other respects  according to
      law.

                                       8
<PAGE>

2.3   Rights.  You will  have the  right to use sales  brochures,  rate  sheets,
      applications, certificates, and various other forms provided by us to help
      you perform your marketing responsibilities. However, you will not divulge
      proprietary information about us when identified in writing to you as such
      and will strictly abide by the provisions of the  confidentiality  section
      that appears below.

2.4   Limitations. As stated above, your Appointment as our Agency is limited to
      the geographical region in which we are functioning, but you will not have
      any  exclusive  rights with  regard to the plans or  services  within such
      area.  You will have no  authority  to make,  alter,  vary,  or  discharge
      contracts in the name of IHC or to waive or modify any terms or conditions
      of the  contracts  proposed by us,  including but not limited to having no
      authority to modify or waive any eligibility or enrollment  requirement or
      standard for any group or  individual.  Agency agrees to indemnify IHC if,
      solely as the result of representations made by the Agency to the customer
      or other conduct  forbidden by this paragraph,  IHC is required to provide
      any  coverage  or to pay any claim or claims that would not  otherwise  be
      covered.

2.5   Compliance  with Title 18.  United States Code.  Sec.s 1033 and 1034.  You
      certify and agree that none of your  officers,  agents,  or employees  has
      ever been convicted of a felony involving either dishonesty or a breach of
      trust,  or any crime  involving  the business of  insurance.  Your further
      certify and agree that you have made recent  inquiry of all your officers,
      agents, and employees regarding any possible past convictions and that you
      will,  at the time of employment  and  periodically  thereafter  (not less
      often  than  annually),  check and  recheck  such  officers,  agents,  and
      employees to determine your continued compliance with this paragraph.

                                       9
<PAGE>

      You agree that any officer,  agent,  or employee who is found to have been
      convicted  of any  such  crime  will  not be  involved  in any  way in any
      activities of any kind for IHC Health Plans,  Inc.,  whether  described in
      this  Agreement  or not,  unless  they have first been  expressly  granted
      authority to do so by the Utah  Commissioner  of  Insurance.  You agree to
      immediately  notify  us if at any time any of your  officers,  agents,  or
      employees  are ever  convicted of such a crime.  You  understand  that any
      violation by you of this paragraph will constitute grounds for immediately
      cancellation of this Agreement by IHC Health Plans, Inc.

                                   ARTICLE III

                                  COMPENSATION

3.1   Commissions.  Commissions paid by us for sales of eligible,  fully insured
      plans are based on monthly  premiums  earned and paid to us from group and
      individual  contracts or agreements  sold by you.  Payment of  commissions
      will be made on or about the fifteenth  (15th) of the month  following the
      month in which we receive the monthly premiums. The methods of determining
      commissions  payable  hereunder  are set forth in  Exhibits A, B, C, and D
      which are attached hereto and are, by this reference,  made a part of this
      Agreement. The schedule(s) of commissions may be changed by us at any time
      upon at least thirty (30) days prior written notice.

      Self-funded,   partially  self-funded,  and   administrative-services-only
      contracts,  and contracts  with large groups over 500 employees  (eligible
      for IHC or other carrier coverage in all locations) where arrangements are
      "net" of  commissions  or other  than  standard  commissions,  are all not
      covered by this Agreement.  Commissions or other  compensation  payable to
      you for such  arrangements must be separately  negotiated  between you and
      the Employer  prior to the effective  date of such plan  established  with
      IHC.

                                       10
<PAGE>

      Any deviations from the  compensation  requirements of this Agreement must
      be  negotiated  and agreed to by us in advance  of any  commitment  to any
      client/member, and must be in writing, signed by an officer of IHC.

3.2   Top Producer  Bonus.  In return for producing  health care premiums for us
      (on types of  business  offered by us),  you will  receive a Top  Producer
      Bonus payment when you have  generated a specified  minimum annual premium
      from groups  contracting with us for health care services.  In such event,
      you will be entitled to receive the Top Producer  Bonus  payment set forth
      in Exhibit D, which is, by this reference, made a part of this Agreement.

3.3   IHC  BrokerLine  - Policies  and  Procedures.  Additional  information  on
      compensation  and  policies and  procedures  will be provided by us to you
      from time to time in the publication  "IHC  BrokerLine."  Such information
      will  become a part of our  relationship  unless  you  object to it within
      thirty (30) days after receiving the publication.

                                   ARTICLE IV
                              TERM AND TERMINATION

4.1   Termination of Agreement and  Appointment.  This Agreement and Appointment
      will be for an initial term of one (1) year, and will automatically  renew
      from year to year unless terminated for any of the following:

      A.    Upon thirty (30) days advance written notice by either party for any
            reason, with or without cause (the parties agree that it will not be
            a breach of the implied  covenants  of good  faith/fair  dealing for
            either  party to  terminate  this  Agreement  either with or without
            cause);

      B.    Upon written notice,  if either party fails to comply with the terms
            or  conditions  of this  Agreement and fails to cure the same within
            thirty  (30) days of receipt of written  notice to cure,  except for
            those  things  designated  elsewhere  as  resulting  in an immediate
            termination or suspension of this Agreement; or

                                       11
<PAGE>

      C.    Immediately,  for any of the  following  events,  either  party  may
            terminate this Agreement by giving the other party written notice of
            such termination:

            (1)   The adjudication of either party to be bankrupt or insolvent;

            (2)   The filing by either party for bankruptcy or insolvency;

            (3)   The filing by either party for  reorganization or readjustment
                  under any law relating to insolvency or bankruptcy;

            (4)   The   appointment  of  a  receiver  with  respect  to  all  or
                  substantially all of the property of either party;

            (5)   Any  assignment by either party of its assets for the benefits
                  of  creditors;  (6) The  institution  by  either  party of any
                  proceedings  for liquidation or the winding up of its business
                  other than for purposes of reorganization,  consolidation,  or
                  merger;  (7) Agency's failure to obtain and/or maintain errors
                  and  omissions   liability   insurance  in  force  in  amounts
                  acceptable to us; or

            (8)   Agency's loss or  non-renewal of its license from the State of
                  Utah  to  sell  and  service   insurance   and  other  service
                  contracts,  or the institution of proceedings by the Insurance
                  Commissioner  for the cancellation  and/or  revocation of such
                  license.

            (9)   Death of agent or principal of agency.

            (10)  Employment   of  any  person  in  violation  of  2.1  of  this
                  Agreement.

            The Parties agree to promptly  notify each other upon the occurrence
            of any of the foregoing  grounds for termination.  The occurrence of
            either (7) or (8) or (9) or (10)  above  will  cause the  immediate,
            automatic suspension of Agency's appointment under this Agreement.

                                       12
<PAGE>

4.2   Obligations  of the Parties  Upon  Termination.  Upon  termination  of the
      Appointment  and this  Agreement,  neither  party  will  have any  further
      obligations except for compensation payable for business already in place;
      provided,   however,  that  no  compensation  will  be  payable  following
      termination  if the agent or agency has engaged in dishonest or fraudulent
      activities in the sale of such business, when the agency contract has been
      terminated for cause,  or when such  compensation  would be improper under
      applicable  insurance laws and  regulations.  Also,  upon the death of the
      agent, compensation will continue for a period not to exceed the lesser of
      90 days  from  date of death  or until an  "agent  of  record  letter"  is
      presented on such business.  In no event will any compensation be paid for
      more than six months following the termination of this Agreement.

      Since a sub-agent is not  permitted  to write any new IHC  business  after
      termination of the Agency Agreement until  transferring to a new appointed
      IHC agency,  sub-agents  will be  encouraged  by IHC to  transfer,  and no
      financial  obligations  by IHC to the  previous  agency will exist on such
      transferred  agents'  business.  Also,  at the point that the loss of such
      transferred   business   premiums   will  cause  the   previous   agency's
      qualification  for overrides or Top Producer  Bonus payments to terminate,
      no further overrides will be paid.

4.3   Loss of Direct  Agent  Appointment.  Any agent  appointed  directly to IHC
      Insurance  Agency,  LLC,  that  maintains  less than One Hundred  Thousand
      Dollars  ($100,000)  ofannualized  IHC Health Plans premium will no longer
      qualify for a direct  appointment  with IHC Health Plans,  and the agent's
      direct  appointment will be terminated.  Commissions on existing  business
      will  continue for a period not to exceed six months,  and no new business
      will be honored.  In order to submit new business and receive  commissions
      beyond six months,  the agent will need to be  appointed by an IHC General

                                       13
<PAGE>

      Agent. Any new directly appointed agent must reach therequired One Hundred
      Thousand Dollar  ($100,000)  level within twelve months from the effective
      date of their  Appointment  with IHC Health Plans.  4.4  Continuously  and
      Properly  Licensed.  Commissions  will be  payable  only so long as  Agent
      and/or Agency is (a) continuously and properly licensed and appointed, and
      (b)  continuously  recognized  as the  Agent of  Record  to  receive  said
      commissions.  Agent may not transfer, assign or dispose of any interest he
      or she may have under this Agreement without prior written consent of IHC.

                                    ARTICLE V
                                  GENERAL TERMS

 5.1  Applicable  Law:  Arbitration.   This  Agreement  will  be  construed  and
      interpreted in accordance  with the laws of the State of Utah. Any and all
      disputes arising under this Agreement,  if not resolved by informal means,
      will be submitted to binding arbitration  pursuant to the Utah Arbitration
      Act,  Section  78-31a-l  et seq.  U.C.A.  1953,  as  amended.  If any such
      arbitration  action is brought to enforce or interpret  the  provisions of
      this  Agreement,   the  prevailing  party  will  be  entitled  to  recover
      reasonable  attorney's  fees and all of its costs and expenses  related to
      the  arbitration,  and such amount will be awarded  and  judgment  entered
      thereon in addition to any other relief which may be awarded.

 5.2  Assignments.  You have  neither  the  power  nor the  right to  assign  or
      transfer  this  Agreement or  Appointment  or any right or  commission  or
      payment hereunder, or to delegate any duty under this Agreement, except as
      provided herein and only upon our advance written consent.  Likewise,  IHC
      cannot  assign this  Agreement  without the prior  written  consent of the
      other party.

 5.3  Calendar Days. Unless stated otherwise, all periods of days referred to in
      this Agreement will be measured in calendar days. 14
<PAGE>

5.4   Confidentiality. The parties agree that they will not divulge, furnish, or
      make   accessible  to  anyone  any  trade  secrets,   or  confidential  or
      proprietary information of the other party, identified as such in writing,
      without the advance, prior written consent of the other.

5.5   Exhibits.  The  following  Exhibits  are  hereby  incorporated  into  this
      Agreement by reference:

      A. Exhibit A entitled, "Computation of Agent or Agency Commissions"

      B. Exhibit B entitled,  "IHC  Commission  Schedule for the Small  Employer
      (SE) Product (2-50 EEs)"

      C. Exhibit C entitled,  "IHC  Commission  Schedule for  Individual  Health
      Plans (IHP)

      D. Exhibit D entitled, "Computation of Top Producer Bonus Payments"

      E. Exhibit E entitled, "Use and Disclosure of Protected Information"

5.6   ForceMajeure.  Either  party will be excused  for  failures  and delays in
      performance of its respective  obligations  under this Agreement caused by
      declared or undeclared war, riots or insurrections,  laws and regulations,
      strikes or lockouts,  floods,  fires,  explosions,  or other  catastrophes
      beyond the control and  without  the fault of such party.  This  provision
      will not, however, release such party from using its best efforts to avoid
      or remove such cause, and such party will continue  performance  hereunder
      with the utmost dispatch  whenever such causes are removed.  Upon claiming
      any such excuse or delay for  nonperformance,  such party will give prompt
      written  notice  thereof  to  the  other  party.  None  of the  bases  for
      termination specified above may be considered as an excuse for performance
      under this paragraph.

5.7   Indemnification.  You will  indemnify us and hold us harmless  against any
      and  all  claims,  actions,  damages,  liability  and  expense,  including
      reasonable attorney fees, in connection with or arising from or out of any
      occurrence reasonably related to this Agreement or your performance or the
      performance  of any of your  employees,  officers,  agents,  principals or
      affiliates.   This  indemnification  extends  to  principals,   employees,

                                       15
<PAGE>

      officers, agents and attorneys of IHC.

      In the event a lawsuit is initiated  against us  involving  IHC'S plan and
      you are also named as a defendant, we will hire and pay for an attorney to
      defend you in said lawsuit, subject, however, to the following:

      A.  If there is a conflict of interest in IHC'S  proceeding with assisting
          you in the subject  lawsuit,  then we will not be  obligated to either
          hire or pay for your  attorney or, if later  discovered we will not be
          obligated to continue paying your attorney.

      B.  If judgement  is rendered  against you in any such  lawsuit,  then you
          hereby  agree to  immediately  reimburse  IHC for all  attorney  fees,
          costs, and expenses paid on your behalf in the subject lawsuit.

5.8   Modification  of  the  Agreement.   This  Agreement  contains  the  entire
      understanding of the Parties. Except in the circumstances expressly stated
      in this Agreement,  any  cancellation,  modification,  or waiver of rights
      under this Agreement will be effective only if made in writing,  signed by
      the party against whom enforcement is sought.  No waiver of any particular
      breach or failure of  performance of this Agreement will be construed as a
      waiver of any other  rights under this  Agreement or of any other  similar
      breaches or failures of performance. No delay in acting with regard to any
      breach will be construed as a waiver of the breach.

5.9   Notices.  Any notices will be sufficiently  given if sent by registered or
      certified mail, postage prepaid, addressed or delivered as follows:

A. To IHC:                       David H. Olson
                                 IHC Health Plans, Inc.
                                 4646 West Lake Park Blvd., Suite N4-701
                                 Salt Lake City, Utah 84120-8212

B.   To Agent:                   At their current address.

                                       16
<PAGE>

      A party may change its  address  in writing to the other  party.  Any such
      notice  will be deemed to have been  given,  if mailed by first class U.S.
      mail to the last known address as provided herein,  on the fifth (5th) day
      after the date on which the notice is mailed.

5.10  Section  Headings,  The headings of Articles and Sections  herein are used
      for  convenience  and ease of  reference  and will not  limit the scope or
      content of the Articles or Sections.

5.11  Severabilitv.  In the event  that any  provision  of this  Agreement  will
      become or be unenforceable,  invalid,  void or voidable,  the same will be
      limited, construed or, if necessary, eliminated to the extent necessary to
      remove such defect and the remaining  provisions will continue to bind the
      Parties as though the unenforceable,  invalid,  void or voidable part were
      not a part of the Agreement.

5.12  State and Federal Laws.  The Parties  recognize that this Agreement at all
      times is subject to applicable state,  local and federal laws. The Parties
      further  recognize  that this  Agreement  will be subject to amendments in
      such laws and  regulations as are  applicable.  Any provisions of law that
      invalidate,  or  otherwise  are  inconsistent  with,  the  terms  of  this
      Agreement  or  that  would  cause  one or  both  of the  Parties  to be in
      violation  of law,  will be  deemed to have  superseded  the terms of this
      Agreement;  provided,  however,  that the Parties will exercise their best
      efforts to  accommodate  the terms and the intent of this Agreement to the
      greatest extent possible consistent with the requirements of law.

5.13  Successors   in   Interest.   Subject  to  the   foregoing   provision  on
      assignability,  this  Agreement  will inure to the  benefit and be binding
      upon the Parties,  their successors,  trustees,  assigns,  receivers,  and
      legal  representatives,  and will not  inure to the  benefit  of any other
      third person, firm, or corporation.

5.14  Superseding  Effect.  This  Agreement   supersedes  all  oral  or  written
      agreements,  if any,  between  the  Parties  and  constitutes  the  entire
      agreement  between  the  Parties  with  respect to the  matters  contained
      herein.

                                       17
<PAGE>

5.15  Taxes and Duties. The commissions, override bonus payments, and other fees
      as specified  herein are  exclusive of any taxes,  duties or other tariffs
      imposed by any governmental  agencies upon you. You are liable for any and
      all such taxes, duties, or tariffs,  including,  but not limited to, state
      and local sales,  use, and property  taxes,  exclusive of taxes based upon
      IHC'S income,  if any.

                                   ARTICLE VI
                  CONFIDENTIALITY AND SECURITY OF MEMBER DATA

6.1   Definitions.  For purposes of this Agreement, the following terms have the
      following  meanings:  "HIPAA" means the Health  Insurance  Portability and
      Accountability Act of 1996, Public Law 104-191 and regulations promulgated
      thereunder by the U.S. Department of Health and Human Services.

      "GLB"  means the  Gramm-Leach-Bliley  Act of 1999 (15  U.S.C.6801  through
      6820)  and  Utah  Administrative  Code  R5  90-206,  Privacy  of  Consumer
      Financial and Health Information Rule.

      "Protected  Information" means information  described in Exhibit E of this
      Agreement  that IHC discloses to Agency or that Agency creates or receives
      on behalf of IHC.

      "Disclosure"  means the  release,  transfer,  provision  of access  to, or
      divulging in any other manner of Protected  Information outside the entity
      holding the information.

      "Use" means the sharing, employment, application, utilization, examination
      or analysis of Protected  Information within an entity that maintains such
      information.

6.2   Access.  You will limit access to Protected  Information to your employees
      who need access to such information in order to complete their job duties.

6.3   Use. You may only use Protected  Information for those purposes  described
      in  Exhibit  E  of  this   Agreement,   for  the  proper   management  and
      administration   of  your   business,   and  to  carry   out  your   legal
      responsibilities.  Any other use must be approved by IHC in writing and in
      advance of the use.

                                       18
<PAGE>

6.4   Disclosure. You may only disclose Protected Information for those purposes
      described in Exhibit E of this Agreement and as required by law. Any other
      disclosure  must be  approved  by IHC in  writing  and in  advance  of the
      disclosure. 6.5 Safeguards. You will use appropriate safeguards to prevent
      access,  use or  disclosure  of Protected  Information  otherwise  than as
      provided for by this  Agreement.

6.6   Accounting  and  Reporting  of Uses  and  Disclosures.  You  will  make an
      accounting of and report to IHC the following uses and disclosures:

      A. Any use or disclosure you make in violation of this Agreement.

      B. All disclosures you make as required by law.

      C. As required by IHC, any use or disclosure not specifically permitted by
         this Agreement but approved by IHC in accordance with Section 3 or 4 of
         this Article.  For all such  accountings you will include:  the date of
         the use or disclosure, a brief description of the Protected Information
         used or disclosed,  and the purpose of the use or  disclosure  (or, for
         disclosures,  a copy  of  the  document  requesting  you  to  make  the
         disclosure).  Additionally,  for  disclosures you will also include the
         name and,  if known,  the  address of the  recipient  of the  Protected
         Information.  You will report such  accountings  to IHC within ten (10)
         working days of the use or disclosure requiring the accounting.

6.7   Access to Agency.  For purposes of complying with HIPAA and of determining
      compliance with this Agreement, you will give IHC access to the facilities
      that you use to maintain and process Protected Information,  as well as to
      your books,  records, and policies and procedures concerning access to and
      use and disclosure of Protected Information.  Additionally,  you will also
      give the  access  described  above to the  Department  of Health and Human
      Services ("HHS") as HHS deems necessary to determine IHC'S compliance with
      HIPAA.

                                       19
<PAGE>

6.8   Amendment  of Protected  Information.  As  determined  necessary by IHC to
      comply  with  HIPAA,  you agree to amend  Protected  Information  that you
      maintain as directed by IHC.

6.9   Termination.  If you breach any provision of this Article,  IHC may at its
      option:

      A. Exercise any of its rights of access under Section 7 of this Article.

      B. Require  you to submit to a plan of  monitoring  and  reporting  as IHC
         determines necessary to comply with this Agreement.

      C. Terminate this  Agreement,  with or without an  opportunity  for you to
         cure your  breach.  D.  Negotiate  a cure  period  for you to cure your
         breach.  IHC'S  remedies  under this  Section are  cumulative,  and the
         exercise of any particular remedy does not preclude the exercise of any
         other  remedy.  Additionally,  IHC may  exercise  the  remedies in this
         Section  notwithstanding  any other  provision  of this  Agreement  and
         without  limiting its rights and remedies  available in this  Agreement
         and under applicable law.

6.10  Termination Procedure. Upon termination of this Agreement, for any reason,
      you shall  return or  destroy  all  Protected  Information  that you still
      maintain  in any  form  and  shall  retain  no  copies  of such  Protected
      Information.  If return or destruction  is not feasible,  you shall notify
      IHC, continue to extend the protections of this Agreement and limit use of
      such  information  to those  purposes that make its return or  destruction
      infeasible.

6.11  IHC'S Right to Injunctive  Relief. You understand and agree that IHC has a
      fiduciary  responsibility  to protect the  confidentiality  of information
      about its members. If you should disclose any information  contrary to the
      terms of this Agreement, IHC'S damages would be substantial, but difficult
      to prove (e.g., loss of trust in IHC among its members). Consequently, IHC

                                       20
<PAGE>

      shall be entitled to obtain injunctive and other mandatory judicial relief
      against you to restrain and prevent any threatened, likely or possible use
      or disclosure in any manner contrary to the terms of this Agreement of any
      Protected Information.  You understand and agree that other remedies would
      be  inadequate,  due to IHC'S  fiduciary  responsibility  to  protect  the
      confidentiality of its members' information.

6.12  Amendment of this Agreement. You understand and agree that IHC may need to
      amend this Agreement from time to time in order to ensure IHC'S compliance
      with  HIPAA and GLB.  You agree to allow IHC to amend  this  Agreement  in
      order to comply with HIPAA and GLB by providing you a written copy of such
      amendment  thirty (30) days prior to the effective  date of the amendment.
      If you disagree  with any such  amendment,  you must notify IHC in writing
      within thirty (30) days of your receipt of IHC'S amendment. If you and IHC
      cannot agree on an amendment  within thirty (30) days  thereafter,  either
      party may terminate this Agreement on written notice to the other.

         IN WITNESS  WHEREOF,  the Parties  hereto have executed this  Agreement
which is effective as of the 31st day of December, 2001.

        IHC:                    By: /s/ David H. Olson
                                    --------------------------------------
                                        David H. Olson
                                        Vice President of Broker Relations

        AGENCY:                 By: /s/ Scott E. Deru
                                    --------------------------------------
                                        Scott E. Deru

          Typed or printed Name:    Fringe Benefit Analysts, LLC
                                    --------------------------------------
                             Title: Member/Manager

                                       21
<PAGE>

                                   EXHIBIT A
                   COMPUTATION OF AGENT OR AGENCY COMMISSIONS

         See Sec. 3.1

         For all Large Employer groups with fifty-one (51) eligible employees or
more  written  for IHC  Health  Plans or IHC  Benefit  Assurance  Company,  Inc.
(regardless  of product  name),  commissions  are  payable to you by us for your
production.  Such  commissions  are  computed and paid to you based upon monthly
premiums  actually paid to us from Employer Groups placed with such IHC plans by
you. Payment of the following  commissions will begin  approximately  forty-five
(45) days  after  the  enrollment  of a group,  and  payments  will be made on a
monthly basis thereafter.

         Commissions are payable on monthly premiums  received by us as follows,
beginning from the top of the scale for each group:

COMMISSION SCHEDULE
-------------------
         First year and renewal year  commissions are based per group on monthly
premiums as  received,  and are paid from the top of the scale on each case each
12 month plan year.

         From the first  submission of a group until the first  commission check
is  approximately  forty-five (45) days, so long as the premiums have been paid.
Subsequent checks will be cut by the fifteenth (15th) of the following month for
those cases which have paid premium.  Otherwise,  such  commissions will be paid
the month following receipt of premium.

           Annual Premium                          Agent Percentage
           --------------                          ----------------
           First $150,000                                  5%
           Next $200,000                                   4%
           Next $400,000                                   3%
           Next $700,000                                   2%
           Plus Next $1,500,000                            1%
           Excess of $2,950,000                            1/2%

         Groups of over five hundred (500) Employees  (eligible for IHC or other
carrier  coverage  in all  locations)  will use the  above  Standard  Scale or a
service  fee/commission may be negotiated and the premium adjusted  accordingly.
Such groups may be in the commission  pool, or may be quoted net of commissions,
so long as it is understood  that what one broker quotes all authorized  brokers
can quote, so that no broker has a commission advantage over another.

                                       22
<PAGE>

                                    EXHIBIT B

                             IHC COMMISSION SCHEDULE
          FOR THE SMALL EMPLOYER (SE) PRODUCT - TWO TO FIFTY EMPLOYEES

SMALL EMPLOYER GROUPS OF TWO TO TWENTY-FOUR (2-24) EMPLOYEES
------------------------------------------------------------
         For all Small Employer groups of two to twenty-four  (2-24)  employees,
the  following  commission  and  override  schedule  applies:

                         Percent of New
       IHC               or Renewal Rate                 Agent
       Rate             Increase from SE              Commissions
       Class*            "Street Rate"               (% of Premium)
       ------           ----------------             --------------
       04-30                  0%-14%                      9%
       31-50                 15%-31%                      7%
       51-80                 32%-57%                      5%
       81-92                  58%+                        4%

* as reflected on renewal rate illustration

         If a group has an adjustment on its rate class at renewal (up or down)
as a result of its claims history, the commission and override schedule shown
above will automatically then be implemented.

SMALL EMPLOYER GROUPS OF TWENTY-FIVE TO FIFTY (25-50) EMPLOYEES
---------------------------------------------------------------
         Effective May 1, 2000 for new and renewal, Small Employer groups of 25
or more employees will be paid on the basis of:

                               7% Level Commission

         Small Employer groups  originally  written with less than 25 employees,
but which  grow to 25 or more  employees  during the year and  maintain  size at
renewal,  will move to the 7% level commission upon renewal.  Groups  originally
written with 25 or more employees, but which diminish to fewer than 25 employees
during the year and maintain  size at renewal,  will move to the above rate tier
schedule for "Small Employer Groups of Two to Twenty-four (2-24) Employees" upon
renewal.
                                       23
<PAGE>

                                    EXHIBIT C

                          IHC COMMISSION SCHEDULE FOR
                         INDIVIDUAL HEALTH PLAN ("IHP")

DURATIONALLY RATED IHP
----------------------
         Durationally rated Individual Health Plans/Personal Care commission
schedule will be:

                                 12% First Year
                                  8% Second Year
                                  4% Each Year Thereafter

          For those individuals who reapply with full medical underwriting and
subsequently become eligible for the most favorable premium rates, the twelve
percent (12%) first year commission will again apply.

         Durationally  rated IHP premium  volume will also count  toward the Two
Million Five Hundred Thousand Dollar ($2,500,000) annual premium requirement for
Top Producer Override.

         "Durationally  rated" means  "block of  individual  business  contracts
filed with the State Insurance Department for a specific period of time."

NON-DURATIONALLY RATED IHP (PLANS EFFECTIVE PRIOR TO JANUARY 1999)
------------------------------------------------------------------
         The  commission   schedule  is  a  level  four  percent  (4%)  for  all
non-durationally  rated IHC Individual Health Plans ("IHP").  IHP contracts will
not count toward the five (5) group  requirement  for obtaining the Top Producer
Override,  but the IHP  premium  volume will count  toward the Two Million  Five
Hundred Thousand Dollar ($2,500,000) annual premium requirement.

                                       24
<PAGE>

                                    EXHIBIT D
                   COMPUTATION OF TOP PRODUCER BONUS PAYMENTS

         Top  Producer  bonus  payments are  determined  and paid on a different
basis  depending upon which IHC plan is involved.  No Top Producer Bonus is ever
payable unless and until the Agent (when Agent Agreement) or Agency (when Agency
Agreement)  has in place at least five (5) group  (Small  Employer or  non-Small
Employer, but not including Individual) contracts for IHC plans or policies. If,
at any time, Agent's or Agency's production drops below the Top Producer minimum
level(s)  on the Top  Producer  Bonus  lists  after once  having  exceeded  such
level(s), then Top Producer Bonuses will not be paid or payable,  subject to the
provisions  on the next page,  until the  agent's or agency's  production  again
exceeds such  level(s).  When  payable,  Top  Producer  Bonuses are added to the
regular commissions payable pursuant to Exhibit A.

TOP PRODUCER BONUSES - PERSONAL CARE/INDIVIDUAL POLICIES
--------------------------------------------------------
         For Personal  Care/Individual  contracts,  Top Producer  bonus payments
arepaid to you on account of your total agent or agency production when agent or
agency  reaches five (5) groups and Two Million Five  Hundred  Thousand  Dollars
($2,500,000) annualized premium. The bonus/override is a level two percent (2%).
The five (5) groups and Two Million Five Hundred Thousand  Dollars  ($2,500,000)
annualized  premium  requirement  can be  satisfied  by  Large  Employer,  Small
Employer groups and premiums, as well as Individual premium.

TOP PRODUCER BONUSES - LARGE EMPLOYER AND SMALL EMPLOYER WITH
TWENTY-FIVE TO FIFTY (25 TO 50) EMPLOYEES
-------------------------------------------------------------

         For all Large  Employer and Small  Employer with  twenty-five  to fifty
(25-50) employees health insurance  products written for IHC Health Plans or IHC
Benefit Assurance Company, Inc. (regardless of product name). Top Producer bonus
payments are paid to you monthly,  on monthly premiums received by IHC beginning
from the top of the scale on a group to group  basis,  on  account of your total
agent or agency production  volume, but only on business that exceeds the stated
premium levels in the following list:

                                                Percentage of Premium
                                                earned and paid that is
          Annual Premium                        added per group
          --------------                        -----------------------
          First $150,000                                2%
          Next $200,000                                 1 1/2%
          Next $400,000                                 1%
          Next $700,000                                 1%
          Next $1,500,000                               1%
          Excess of $2,950,000                            1/2%

                                       25
<PAGE>

TOP PRODUCER BONUS - SMALL EMPLOYER WITH TWO TO TWENTY-FOUR (2-24}
EMPLOYEES
------------------------------------------------------------------
         For Small Employer groups with two to twenty-four (2-24) employees, Top
Producer bonus payments are paid to you on account of your total agent or agency
production  when agent or agency  reaches  five (5) groups and Two Million  Five
Hundred Thousand Dollars  ($2,500,000)  annualized premium.  The five (5) groups
and Two Million Five Hundred Thousand Dollars  ($2,500,000)  annualized  premium
requirement  can be  satisfied  by Large  Employer,  Small  Employer  groups and
premiums, as well as Individual premium.

         The bonus/override is:

                IHC         Percent of New or Renewal         GA or Top
                Rate          Rate Increase from Small    Producer Override
                Class*         Employer "Street Rate"      (% of Premium)
                -----       --------------------------    -----------------
                04-30               0-14%                      2.25%
                31-50              15-31%                      1.75%
                51-80              32%-57%                     1.25%
                81-92               58%+                       1.00%

* as reflected on renewal rate illustration

         The previous schedule will be added to Agent or Agency  commissions for
all current groups,  on a per group basis,  from the effective date of the fifth
(5th) group. Thus, for the Top Producer, the commission schedule,  including Top
Producer  bonus  (override),  would  generally be (unless  Small  Employer  2-24
employees):

                  Annual Premium                    Agent Percentage
                  --------------                    ----------------
                  First $15 0,000                         7%
                  Next $200,000                           5 1/2%
                  Next $400,000                           4%
                  Next $700,000                           3%
                  Next $1,500,000                         2%
                  Excess of $2,950,000                    1%

         If the number of groups and premium  fall below the five (5) groups and
Two  Million  Five  Hundred  Thousand  Dollar  ($2,500,000)  level for three (3)
consecutive months, then the next and subsequent  commission checks will be paid
excluding overrides until the Top Producer requirements are again met.

         If a General  Agent ("GA") is  involved,  the GA will receive the above
Top Producer  overrides  based on a  combination  of all groups  produced by the
agents under his/her direction,  as long as the requirement of a minimum of five
(5) groups and Two Million Five Hundred Thousand Dollars ($2,500,000) annualized
premium is  attained  and  maintained.  If an agent  leaves the  agency,  future
overrides are forfeited on that agent,  unless  agreement has been authorized by
the GA and the agent for the accounts to remain the property of the GA.

                                       26
<PAGE>

         For a sub-agent to break away from his/her General Agent, the sub-agent
must have a release or other  agreement  signed by the General Agent  indicating
the General Agent's agreement to the change.  However,  if there is a dispute or
unwillingness  on the part of an agency to release any agent or  sub-agent  from
the agency, and no other mutual written agreement  addresses such release,  then
the agent or sub-agent and related accounts must be released within a period not
to exceed ninety (90) days from such written request.

         When an agent under the General Agent's  direction  personally  attains
the  requirement  of a minimum of five (5) groups and Two Million  Five  Hundred
Thousand Dollars ($2,500,000)  annualized premium, that agent will then have the
option to be  declared  an  independent  agent and if so,  will  receive the Top
Producer Bonus as described above.

         If an employer  negotiates a  commission  schedule  different  than the
foregoing,  this  Agreement  will then be  amended by a single  case  agreement,
declaring  payable  percentage  for that group only.  The single case  agreement
would replace  Exhibits A and B of this  Agreement and will specify the producer
commission  and  top  producer  override,  if  applicable.  No  such  negotiated
commission  schedule  will be binding  upon IHC unless  approved in writing,  in
advance by an officer of IHC. 27

                                       27
<PAGE>

                                   EXHIBIT E
                  USE AND DISCLOSURE OF PROTECTED INFORMATION

         This Exhibit sets forth the permitted uses and disclosures of Protected
Information by Agency  pursuant to Article VI-  Confidentiality  and Security of
Member Data - of the Agency Agreement.  This Exhibit may be amended from time to
time as provided for in Section 6.12 of the Agency Agreement.

         1. Definitions.
            ------------

            "Claims Experience  Information"  includes the following information
            on individual  claims: the diagnosis code(s) on the claim, the total
            amount paid on the claim,  a  description  of the  prognosis  of the
            individual  who received the services  billed for on the claim (e.g.
            whether the individual is likely to require additional  services for
            the diagnosis for which the claim was  submitted),  and the Group ID
            (which can indicate the individual's place of employment, whether or
            not the individual is on COBRA, whether the individual is a salaried
            or  hourly  employee,   and  the   individual's   plan  type.)  This
            information does not include any identifiable  information listed in
            Title 45 of Code of Federal  Regulations,  Section  164.514(b)(2)(i)
            (e.g. member number,  subscriber number, claim number,  member name,
            member  address,  member phone number,  and member birth date) other
            than an individual's  location of employment.  The claim attributes,
            as well as the range of individual  claims that IHC will disclose to
            Agency will be  determined at the  discretion of IHC'S  Underwriting
            Department.

            "Plan Sponsor" is defined as defined at Section 3(16)(B) ofERISA, 29
            U.S.C.  1002(16)(B).  Generally,  this is an  employer  or  employee
            organization (e.g. union).

            "Identifiable   Information"  is  information   that  identifies  an
            individual  or with respect to which there is a reasonable  basis to
            believe the information can be used to identify an individual.

            "Enrollment  Information" is information  requested on an enrollment
            form produced by IHC or a plan sponsor.

            "Underwriting  Information"  is  information  requested  on  an  IHC
            underwriting  risk  assessment   questionnaire,   Claims  Experience
            Information from another health insurer,  or other information about
            the health status of an individual.

            "Protected  Information"  includes  Claims  Experience  Information,
            Enrollment  Information,  Underwriting  Information,  and any  other
            Identifiable Information maintained by IHC. 28

                                       28
<PAGE>

         2.  Protected  Information  that IHC will disclose to Agency.  IHC will
             disclose to Agency,  Claims  Experience  Information and Enrollment
             Information  for groups  produced by the Agency.  IHC will disclose
             other  Protected  Information  (e.g.  status of individual  claims,
             appeals  and  grievance  related  information,  etc.) to  Agency if
             Agency  has  authorization  to do so from  the  member  to whom the
             Protected  Information  pertains.  Such  authorizations  must be in
             accordance with current IHC policies and procedures.

         3.  Protected  Information  that Agency may collect for IHC. Agency may
             collect  Enrollment  Information and  Underwriting  Information for
             IHC. Agency may not collect any other  Identifiable  Information on
             behalf of IHC.

         4.  Disclosures of Protected Information by Agency. Agency may:

             A.   Disclose Claims Experience  Information to the Plan Sponsor of
                  the  group  health  plan  that  incurred  the  claims  for the
                  purposes  of  allowing  the  Plan  Sponsor  to  (1)  shop  for
                  replacement  coverage and get meaningful bids from prospective
                  issuers  and  (2) to  decide  whether  or not  to  change  the
                  benefits  under  a group  health  plan  or  whether  or not to
                  terminate a group health plan.

             B.   Disclose  Enrollment  Information  to the Plan Sponsor and IHC
                  for enrollment related functions.

             C.   Disclose Underwriting Information only to IHC for underwriting
                  purposes.

         5.  Maintenance  and Use Protected  Information  by Agency.  Agency may
             maintain copies of Protected  Information and use this  information
             in order to verify that it accurately  transmitted the information.
             Agency may also use and disclose enrollment  information to IHC and
             the plan  sponsor  in order to  address  questions  related  to the
             enrollment process.

                                       29
<PAGE>

                   ADDENDUM TO IHC INSURANCE AGENCY, LLC, AND
                 FRINGE BENEFIT ANALYSTS, LLC, AGENCY AGREEMENT

Article 4.2 Obligations of the parties upon termination
            -------------------------------------------

            Line 6,  beginning with "Also,  upon ..." is changed to read:

            Also, upon the death of the agent,  compensation will continue for a
            period  not to  exceed  the  lesser of 90 days from date of death or
            until an "agent of record letter" is presented on such business,  or
            until an authorized letter of purchase,  merger or other transfer of
            IHC  business  to  the  surviving  and  appropriately  licensed  and
            appointed  agent  or  agency  is  provided.  In no  event  will  any
            compensation  be  paid  for  more  than  six  months  following  the
            termination  of this  Agreement,  unless or until proof of purchase,
            merser or  otherwise  transfer of IHC  business to another  properly
            licensed and appointed agency or asency is provided.

            No change in the last  paragraph, beginning  with "Since a sub-agent
            . . ."

                /s/ Scott E. Deru                                 12/31/01
                -----------------------------------------       ------------
                    Scott E. Deru                                  (Date)
                    Fringe Benefit Analysts, LLC

                /s/ David H. Olson                                11/20/01
                --------------------------------------------    ------------
                    David H. Olson                                 (Date)
                    VP of Broker Relations, IHC Health Plans

                                       30

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