Document:

ex10-3.htm

    Exhibit
10.3

    Free
For All Incorporated

    Rep
Code: RXC001

    
       

       

      
        RxCut
Plus ® 2009
Sponsor Agreement and Compensation Schedule

        

        FFA
shall pay to SPONSOR a processing fee as shown below for each processed claim,
for distributing the RxCut Plus savings cards, adjudicated at the negotiated
rates, which FFA collects its fee from participating
pharmacies.  Prescriptions that adjudicate at the pharmacies Usual
& Customary (U&C) price DO
NOT qualify for processing fee payments (approximately 20% are U&C
claims).   A  U&C claim occurs when the cash price
is lower than our discount price due to a sale or overstocked inventory at the
pharmacy. We guarantee our members the best price at the pharmacy. If the cash
price is better (U&C) the member pays the cash price and we do not add our
processing fee. In addition SPONSOR will also receive the processing fee listed
below for all laboratory and imaging services ordered through their SPONSOR card
number.

         

        Commission
Structure

        
          
            	
                    Monthly
      billable transactions

                  	
                    $1.25
      Gross per transaction less Sponsor/Client commission
  paid

                  
	
                    FFA
      Imaging and Labs per paid service ordered

                  	
                    $1.25
      Gross per transaction less Sponsor/Client commission
  paid

                  

          

        

        

        There
is initially a 60-90 day lag
on the initial payment due to plan set up and billing cycle
establishment.  After the set up period, commission will be
released monthly on or about the 15th
of the following calendar month for all prescriptions fees, received by FFA,
through the end of the previous month.  Commission checks must total a
minimum of fifty dollars ($50.00) to be issued.

         

        SPONSOR
is responsible for printing and Distributing RxCut Plus Savings Cards and
understands and agrees not to distribute the card or any marketing information
to any customer anywhere on the grounds (inside or out) of any
pharmacy.  A violation of this policy will result in immediate
TERMINATION of this agreement.

         

        FFA
is responsible for customer service, pharmacy help line, creating a co-branded
website, marketing and educational flyer with a unique group number(s) for
tracking Sponsors’ transactions. A web portal will be provided for Sponsor to
review weekly transactions.

         

        Agreement Term: This is a
vested lifetime agreement after a minimum of 5,000 annual transactions. FFA has
the right to terminate this agreement after one year, should the sponsor not
generate 5,000 transactions.

        

        Sponsor
Information:

        

        
          
            	
                    Full
      Name: Gerard J.
      Ferro

                  	
                    Title: 
      CEO

                  
	 
      	 
      
	
                    Company:
      Free For All,
      Inc.

                  	 
      
	 
      	 
      
	
                    SSN/EIN:

                  	 
      
	 
      	 
      
	
                    Billing
      Address: 6 Alton
      Avenue

                  	 
      
	 
      	 
      
	 
      	 
      
	
                    City,
      State, Zip: Voorhees, NJ
      08043

                  	 
	 
      	 
      
	
                    Email: 
      jerryferro@gmail.com

                  	
                    Phone: 
      609-774-5184

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

                  
	 
      	 
      
	
                    Free
      For All Incorporated

                  	
                    SPONSOR

                  
	
                    Company

                  	 
      
	 
      	 
      
	
                    Eric
      Shugarts

                  	
                    Gerard
      J. Ferro

                  
	
                    Name

                  	
                    PRINT
      Name

                  
	 
      	 
      
	
                    Chief
      Information Officer

                  	
                    ALL
      GROUPS

                  
	
                    Title

                  	
                    Group
      Number

                  
	 
      	 
      
	
                    /s/
      Eric Shugarts

                  	
                    /s/
      Gerard J. Ferro

                  
	
                    Signature

                  	
                    Signature

                  
	 
      	 
      
	
                    6/1/09

                  	
                    6/1/09

                  
	
                    Date

                  	
                    DateExhibit 4.67

          AMENDMENT NO. 2 AND ALLONGE TO REVOLVING LINE OF CREDIT NOTE

      This Amendment No. 2 and Allonge to Revolving Line of Credit Note (the
"Agreement") is by and between RBS Citizens, National Association, a national
bank having a lending office at 28 State Street, Boston, MA 02109 (the "Lender")
and National Investment Managers Inc., a Florida corporation having an address
of 485 Metro Place South, Suite 275, Dublin, OH 43017 (the "Borrower"). This
Agreement shall be considered an allonge to the Note (as defined below) and is
hereby firmly affixed to and made part of the Note.

                                R E C I T A L S
                                ---------------

A.    Reference is hereby made to a certain Revolving Line of Credit and Term
      Loan Agreement, dated as of November 30, 2007, by and between Borrower and
      Lender, as amended by (i) a certain Amendment No. 1 to Term Loan
      Agreement, dated March 31, 2008, (ii) a certain Amendment No. 2 to Term
      Loan Agreement, dated June 30, 2008, (iii) a certain Amendment No. 3 to
      Term Loan Agreement, dated June 30, 2008 (iv) a certain Amendment No. 4 to
      Term  Loan Agreement dated as of July 16, 2008 (v) a certain Amendment No.
      5 to Term Loan Agreement dated as of October 1, 2008, (vi) a certain
      Amendment No. 6 to Term  Loan Agreement dated as of November 26, 2008,
      (vii) a certain Amendment No. 7 to Term Loan Agreement dated as of March
      30, 2009, (viii) a certain Amendment No. 8 to Term Loan Agreement dated as
      of June 30, 2009 and (ix) a certain Amendment No. 9 to Term Loan Agreement
      of even date herewith (as amended, the "Loan  Agreement"). The loan
      obligations of Borrower to Lender are further evidenced by a certain
      Revolving Line of Credit Note dated November 30, 2007, from the Borrower
      to the Lender in the maximum principal amount of $2,000,000.00, as amended
      by a certain Amendment No. 1 and Allonge to Revolving Line of Credit Note
      dated as of March 30, 2009 (as amended, the "Note"). All capitalized terms
      used herein and not otherwise defined herein shall have the meanings as
      set forth in the Loan Agreement.

B.    Borrower has requested that Lender temporarily increase the maximum
      principal amount available under the Note to $2,500,000.00 from the date
      hereof until December 31, 2009.

C.    Lender has agreed to temporarily increase the maximum principal amount
      available under the Note to $2,500,000.00 from the date hereof until
      December 31,2009, provided that Borrower agrees with the terms set forth
      in this Agreement.

      NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, Lender and the Borrower hereby
agree to modify and amend the Note as follows:

1.    Section 1 of the Note is hereby amended to delete the definition of
      "Maximum Revolving Credit" in its entirety and to substitute the following
      new definition in its place:

      "1.5    Maximum
              Revolving Credit:  $2,500,000.00 until December 31, 2009, and
                                 thereafter reduced to $2,000,000.00."

--------------------------------------------------------------------------------
Amendment No. 2 and Allonge to Revolving Line of Credit Note         Page 1 of 3
<PAGE>

2.    Borrower hereby acknowledges that the obligations of Borrower under the
      Note, as amended hereby, shall be affected and governed by the Loan
      Agreement as amended by a certain Amendment No. 9 to Revolving Line of
      Credit and Term Loan Agreement of even date herewith by and between
      Borrower and Lender.

      No other changes are hereby made to the Note and Borrower reaffirms its
obligations under the Note in their entirety. This Agreement is not intended to
extinguish or affect any of the debt evidenced by the Note.

This Agreement is made in The Commonwealth of Massachusetts and shall be
construed in accordance with its laws. If any provision hereof is in conflict
with any statute or rule of law of The Commonwealth of Massachusetts or any
other statute or rule of law of any other applicable jurisdiction or is
otherwise unenforceable, such provisions shall be deemed null and void only to
the extent of such conflict or unenforceability and shall be deemed separate
from and shall not invalidate any other provision of this Agreement.

      This Agreement shall be binding upon and inure to the benefit of the
parties hereto and their respective successors and assigns, and no other parties
shall be a beneficiary hereunder.  Neither this Agreement nor any of the
provisions hereof can be changed, waived, discharged or terminated except by an
instrument in writing signed by the party against whom enforcement of the
change, waiver, discharge or termination is sought.

      This Agreement may be signed in counterparts, each of which shall be
deemed an original and all of which, when taken together, shall constitute one
and the same instrument. Signatures delivered by facsimile transmission shall
have the same force and effect as original signatures delivered in person.

                         [Signatures on following page]

--------------------------------------------------------------------------------
Amendment No. 2 and Allonge to Revolving Line of Credit Note         Page 2 of 3
<PAGE>

EXECUTED under seal as of the ___ day of September, 2009.

                                              LENDER:

                                              RBS CITIZENS, NATIONAL ASSOCIATION

 /s/ N. C. Hafen                              By:  /s/ David Bugbee
-------------------------                     ----------------------------
Witness                                       Name: David Bugbee
                                              Title: Senior Vice President

                                              BORROWER:

                                              NATIONAL INVESTMENT MANAGERS INC.

 /s/ Gail Ross                                By:  /s/ Steven J. Ross
-------------------------                     ----------------------------
Witness                                       Name: Steven J. Ross
                                              Title: Chief Executive Officer

--------------------------------------------------------------------------------
Amendment No. 2 and Allonge to Revolving Line of Credit Note         Page 3 of 3

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