Document:

<PAGE>
                                                                  EXHIBIT 10.94

                    RESPIRATORY THERAPY EQUIPMENT AGREEMENT

                                 BY AND BETWEEN

                     AMERICAN PHARMACEUTICAL SERVICES, INC.

                                      AND

                                       1
<PAGE>

                    RESPIRATORY THERAPY EQUIPMENT AGREEMENT

         This Respiratory Therapy Equipment Agreement ("Agreement") is made and
entered into as of the first day of January 2001, by and between American
Pharmaceutical Services, Inc., a Delaware corporation ("APS"), and
_____________________, a __________ corporation doing business as
_____________________________________, located at
______________________________________________ ("Facility").

                                    RECITALS

         WHEREAS, the Facility is engaged in the operation of a nursing
facility;

         WHEREAS, APS is in the business of selling and supplying equipment and
supplies related to the administration of respiratory therapy ("Respiratory
Therapy Equipment and Supplies") to residents of nursing, assisted living and
other long-term care facilities; and

         WHEREAS, the parties hereto desire to enter into this Agreement with
respect to the provision of the equipment and supplies related to the
administration of respiratory therapy identified on Exhibit A hereto (the
"Respiratory Therapy Equipment and Supplies") and as set forth herein by APS to
the Facility and to the residents of the Facility ("Residents");

         NOW, THEREFORE, for and in consideration of the foregoing recitals and
of the mutual promises contained in this Agreement the parties hereto hereby
agree as follows:

                                   ARTICLE I
                     REPRESENTATIONS AND WARRANTIES OF APS

1.1      Necessary Licenses and Qualifications. APS represents and warrants
         that it has and shall maintain for the term hereof all necessary
         qualifications, certificates, approvals, permits and licenses required
         pursuant to applicable federal, state and local laws and regulations
         to provide the Respiratory Therapy Equipment and Supplies under this
         Agreement.

1.2      Authority. APS represents and warrants that it has all necessary power
         and authority to execute, deliver and perform this Agreement.

                                   ARTICLE II
                   REPRESENTATIONS AND WARRANTIES OF FACILITY

2.1      Necessary Licenses and Qualifications. Facility represents and
         warrants that it has and shall maintain for the term hereof all
         necessary qualifications, certificates, approvals, permits and
         licenses required pursuant to applicable federal, state and local laws
         and regulations to operate the Facility.

2.2      Authority. Facility represents and warrants that it has all necessary
         power and authority to execute, deliver and perform this Agreement
         with respect to the Facility.

                                       2
<PAGE>

2.3      Professional Management Responsibility. Facility hereby represents and
         warrants that it retains professional management responsibility over
         all services furnished hereunder, and retains all management and
         administrative rights and responsibilities normally assumed by the
         operator of a nursing facility.

                                  ARTICLE III
                                  APS SERVICES

         APS shall provide the Respiratory Therapy Equipment and Supplies set
forth in this Article III to the Facility in compliance with the standards set
forth herein and as may be otherwise required by applicable law.

3.1      Respiratory Therapy Equipment and Supplies. APS shall provide
         Respiratory Therapy Equipment and Supplies to Residents of Facility in
         accordance with the order or prescription of each Resident's attending
         physician. Additionally, APS shall provide Respiratory Therapy
         Equipment and Supplies to the Facility described below:

         (a)      APS shall provide the Facility with an adequate supply of
                  cylinder oxygen to assure a safe supply for all the Residents
                  using oxygen.

         (b)      APS shall have support available for the Facility utilizing
                  Respiratory Therapy Equipment and Supplies provided by APS.
                  Such support shall include providing information and
                  instruction regarding the equipment provided to the Residents
                  receiving respiratory care.

3.2      APS General Service Requirements.

         (a)      APS agrees to provide all Respiratory Therapy Equipment and
                  Supplies pursuant to the terms of this Agreement Monday
                  through Friday during normal business hours and shall provide
                  on-call services twenty-four (24) hours per day, seven (7)
                  days per week throughout the calendar year.

         (b)      APS shall institute purchase order, invoice and product
                  shipment procedures to facilitate efficient and timely
                  ordering and delivery of Respiratory Therapy Equipment and
                  Supplies for use in connection with Residents. APS shall
                  arrange for the delivery of Respiratory Therapy Equipment and
                  Supplies at such time or times as are appropriate to
                  facilitate their use in the treatment of Residents for whom
                  the Respiratory Therapy Equipment and Supplies are ordered.

         (c)      APS shall provide to the Facility all forms APS deems
                  necessary for the proper execution of the Respiratory Therapy
                  Equipment and Supplies delivery system. Such forms include,
                  but shall not be limited to, order and re-order forms,
                  delivery receipt forms and communication orders.

         (d)      As permitted by applicable law, APS shall, from time to time,
                  make available to the Facility certain materials and
                  equipment necessary or appropriate for the ordering and
                  provision of the Respiratory Therapy Equipment and Supplies

                                       3
<PAGE>

                  provided hereunder. The materials and equipment so provided
                  may include, without limitation and as mutually agreed by the
                  parties hereto, telecommunications equipment, reference
                  books, films, slides, manuals and audio-visual equipment and
                  training aids. It is understood and agreed to by Facility
                  that all such items of material and equipment shall at all
                  times remain the property of APS and upon demand by APS shall
                  be returned to APS in their original condition subject to
                  normal wear and tear. Facility shall cause all such items to
                  be used solely in connection with the ordering or provision
                  of Respiratory Therapy Equipment and Supplies hereunder.

                                   ARTICLE IV
                 FACILITY OBLIGATIONS WITH RESPECT TO SERVICES

         In connection with the ordering and receipt of the Respiratory Therapy
Equipment and Supplies set forth in Article III, the Facility agrees that:

4.1      Resident Status. The Facility will notify APS as to the status of each
         Resident regarding source of reimbursement for Respiratory Therapy
         Equipment and Supplies and shall promptly notify APS as to changes of
         reimbursement. Notification shall include the provision to APS of
         copies of Medicare, Medicaid and insurance coverage cards.

4.2      Physician Orders. The Facility shall promptly notify APS regarding the
         physician order for Respiratory Therapy Equipment and Supplies,
         including any physician change orders.

4.3      Use of Material and Equipment Provided by APS. The Facility shall be
         liable for, and shall indemnify and defend APS from and against, any
         and all damages, costs, liabilities, expenses and losses, including,
         without limitation, the cost of repairs or replacement, whatsoever
         sustained or incurred as a result of casualty to or loss of, or the
         misuse or otherwise improper use of, any and all material and
         equipment provided by APS for the use of Facility in connection with
         the provision of Respiratory Therapy Equipment and Supplies pursuant
         to the terms hereof.

                                   ARTICLE V
                              BILLING AND PAYMENT

5.1      Billing and Payment for Respiratory Services and Supplies.

         (a)      The payment rates applicable to the Respiratory Therapy
                  Equipment and Supplies provided hereunder shall be as set
                  forth in Exhibit A attached hereto.

         (b)      Except as provided to the contrary in Section 5.1(c) below,
                  APS shall bill Residents and third party payors with respect
                  to Residents, as appropriate, for all Respiratory Therapy
                  Equipment and Supplies provided by APS to Residents under
                  this Agreement. Other than as expressly provided for herein
                  to the contrary, Facility shall have no obligation to pay APS
                  or liability to APS in connection therewith with respect to
                  any and all amounts that may be billed by APS directly to
                  third party payors or Residents pursuant to applicable law.

                                       4
<PAGE>

         (c)      APS shall bill Facility, and Facility shall be liable for
                  payment, with respect to all Respiratory Therapy Equipment
                  and Supplies provided to Residents:

                  (1)      for whom coverage is provided under Medicare Part A
                           at the time the Respiratory Therapy Equipment and
                           Supplies are provided hereunder;

                  (2)      for whom coverage is provided under Medicare Part B
                           consolidated billing requirements in effect at the
                           time the Respiratory Therapy Equipment and Supplies
                           are provided hereunder;

                  (3)      for whom coverage is provided under Medicaid payment
                           to Facility covering the Respiratory Therapy
                           Equipment and Supplies provided hereunder, or where
                           applicable federal or state law precludes direct
                           billing by APS of the Medicaid agency or the
                           Resident;

                  (4)      for whom payment is made by a third party payor to
                           Facility pursuant to the terms of a contract
                           governing payment for the Respiratory Therapy
                           Equipment and Supplies provided hereunder.

5.2      Reimbursement Denial.

         (a)      In the event APS claims and receives payment from Facility
                  for Respiratory Therapy Equipment and Supplies which are
                  later disallowed or recouped by Medicare, Medicaid or other
                  third party reimbursement source, APS will repay Facility for
                  such disallowed or recouped amounts. At its option, subject
                  to the provisions of Section 5.2(b) below, Facility may
                  either offset the amounts disallowed or recouped from any
                  payment due to APS or may require APS to immediately repay
                  Facility for the amount disallowed or recouped.

         (b)      In the event of a denial or disallowance received by the
                  Facility, the Facility will be responsible for notifying APS
                  within seven (7) business days and shall communicate the
                  exact nature of the denial or request for medical necessity
                  information.

         (c)      APS shall furnish to Facility all information necessary to
                  support and substantiate the claim for payment.

         (d)      Facility shall have sole discretion as to any election to
                  appeal, settle or compromise the amount that is disallowed or
                  recouped by Medicare, Medicaid or other third party
                  reimbursement source.

5.3      Monthly Billing and Payment. APS shall bill Facility on a monthly
         basis by the fifth (5th) working day of each month for Facility
         charges incurred during the past month. Facility shall pay APS within
         thirty (30) days of receipt of an invoice from APS. All

                                       5
<PAGE>

         amounts past due by more than thirty (30) days shall bear interest at
         the rate of one and one-half percent (1.5%) per month, or the maximum
         monthly rate of interest permitted by applicable law, whichever is
         less.

                                   ARTICLE VI
                              TERM AND TERMINATION

6.1      Term. The initial term of this Agreement shall commence on the date
         first written above and shall continue for a period of one (1) year.
         Thereafter, this Agreement shall automatically renew for successive
         one (1) year terms, and during any such renewal term either party
         shall have the right to terminate this Agreement without cause by
         providing to the other party not less than thirty (30) days prior
         written notice of termination.

6.2      Termination.

         (a)      This Agreement shall automatically terminate with respect to
                  the Facility upon the revocation or cancellation of the
                  Facility's license or certification.

         (b)      Upon the suspension of the Facility's license or
                  certification, APS shall have the right to terminate this
                  Agreement immediately upon written notice to Facility.

         (c)      If either party should materially fail to fulfill its
                  obligations or conditions set forth herein and such default
                  shall not be cured within thirty (30) days after written
                  notice from the other party specifying the nature of default,
                  the aggrieved party shall have the right to terminate this
                  Agreement by giving written notice of termination to the
                  defaulting party, and this Agreement shall terminate on the
                  thirtieth (30th) day after such notice is given. Either party
                  shall have the right to cure any such default up to, but not
                  after, the giving of such notice of termination.

         (d)      This Agreement may be terminated pursuant to the terms of
                  Section 8.10(b).

                                  ARTICLE VII
                                    RECORDS

7.1      Patient Records. APS shall maintain accurate patient records, adequate
         to meet the needs of various sources of payment for patient services
         (payors) from which the Facility may submit bills and expect payments.
         Records shall be maintained of the Respiratory Therapy Equipment and
         Supplies supplied to each Resident, in accordance with the directions
         for the Resident's attending physician and the Facility.
         Notwithstanding the foregoing, the production of medical records shall
         remain the responsibility of the Facility.

7.2      Government Access to Records. APS and its subcontractors shall make
         available, upon written request from the Secretary of the U.S.
         Department of Health and Human Services, or the Comptroller General of
         the United States General Accounting Office, or any of their duly
         authorized representatives, this Agreement, and the books, documents
         and records of APS that are necessary to verify the extent of costs
         incurred by Facility with

                                       6
<PAGE>

         respect to providing services under this Agreement for four (4) years
         thereafter the provision of such services.

7.3      APS Access to Records.

         (a)      The Facility shall give APS reasonable access to all resident
                  records, facilities and supplies necessary for the
                  performance of its duties herein.

         (b)      In the event of any dispute arising from any claim or bill
                  submitted by APS, Facility shall give APS access to all
                  reasonable and necessary documents and records to investigate
                  the accuracy of the claim. Such access shall be during normal
                  business hours following reasonable advance notice from APS.

                                  ARTICLE VIII
                                 MISCELLANEOUS

8.1      Freedom of Choice. Each Resident shall have the express right to
         purchase and obtain Respiratory Therapy Equipment and Supplies from
         the vendor or supplier of his or her choice, from time-to-time and at
         any time during the term hereof; provide, however that the Facility
         shall whenever possible use APS as its primary vendor, in all cases
         where an individual resident does not make a request for the services
         of another vendor.

8.2      Independent Contractors. In the performance by each party hereto of
         their respective obligations hereunder, the parties shall at all times
         hereunder be deemed to be independent contractors, and not the agent
         of the other. Except to the extent expressly provided for herein to
         the contrary, neither party shall have the right or power to bind the
         other.

8.3      Insurance.

         (a)      APS shall maintain, during the term of this Agreement,
                  liability insurance coverage for its acts and omissions in
                  amounts of no less than one million dollars per claim and
                  three million dollars annual aggregate. Prior to the
                  commencement of this Agreement, APS shall provide to Facility
                  a certificate of insurance indicating that such coverage is
                  in effect and providing that Facility will be notified at
                  least thirty (30) days prior to any modification,
                  cancellation, reduction or non-renewal of such coverage. Any
                  substantial change in coverage that might adversely affect or
                  actually materially adversely affects Facility shall be a
                  breach of this Agreement.

         (b)      Facility shall maintain, during the term of this Agreement,
                  liability insurance coverage for its acts and omissions in
                  amounts of no less than one million dollars per claim and
                  three million dollars annual aggregate. Prior to the
                  commencement of this Agreement, Facility shall provide to APS
                  a certificate of insurance indicating that such coverage is
                  in effect and providing that APS will be notified at least
                  thirty (30) days prior to any modification, cancellation,
                  reduction or non-renewal of such coverage. Any substantial
                  change in coverage that might

                                       7
<PAGE>

                  adversely affect or actually materially adversely affects APS
                  shall be a breach of this Agreement.

8.4      Indemnification.

         (a)      Facility shall defend, indemnify, protect and hold harmless
                  APS and its affiliates, and the officers, directors,
                  employees and agents of each of them, from and against any
                  and all liability, obligation, damage, loss, cost, claim,
                  judgment, settlement, expense or demand whatsoever, of any
                  kind or nature, including reasonable attorneys fees and
                  defense costs in connection therewith, arising directly or
                  indirectly from actions taken or omissions made by Facility
                  in its performance under this Agreement.

         (b)      APS shall defend, indemnify, protect and hold harmless
                  Facility and its affiliates, and the officers, directors,
                  employees and agents of each of them, from and against any
                  and all liability, obligation, damage, loss, cost, claim,
                  judgment, settlement, expense or demand whatsoever, of any
                  kind or nature, including reasonable attorneys fees and
                  defense costs in connection therewith, arising directly or
                  indirectly from actions taken or omissions made by APS or its
                  affiliates in its performance under this Agreement.

8.5      Governing Law. Disputes arising under this Agreement shall be governed
         according to the internal laws of the State of ____________, without
         regard to the conflicts of laws provisions thereof.

8.6      Compliance with Applicable Law. In all aspects relative to the
         performance of their respective obligations under this Agreement, both
         parties shall conduct their respective businesses in accordance with
         applicable law.

8.7      Successors and Assigns. This Agreement shall be binding upon either
         party's purchasers, transferees, successors and assigns, whether by
         operation of law or otherwise, including but not limited to the sale
         of the stock, assets or any other ownership interest of a party hereto
         to another, or the merger or consolidation of a party hereto into
         another, or any transaction by which a party to this Agreement
         transfers its business to another as to which the duties and
         obligations provided for under this Agreement by either or both
         parties hereto arise.

8.8      Waiver of Breach. The waiver of any breach of this Agreement by either
         party shall not constitute a continuing waiver or a waiver of any
         subsequent breach of either the same or any other provision of this
         Agreement.

8.9      Notices. Any notice or other communication made or contemplated to be
         made under this Agreement shall be in writing and shall be deemed to
         have been received by the party to whom it is addressed on the date of
         delivery, if delivered by hand, or three (3) business days after it is
         deposited in the United States Mail, postage prepaid, return receipt
         requested, or the next business day after it is transmitted by Federal
         Express or similar overnight delivery services, addressed, in the case
         of APS to:

                                       8
<PAGE>

                                    American Pharmaceutical Services, Inc.
                                    1771 W. Diehl Road, Ste. 210
                                    Naperville, Illinois 60563
                                    Attn:   President

                                    with a copy to:

                                    American Pharmaceutical Services, Inc.
                                    1771 W. Diehl Road, Ste. 210
                                    Naperville, Illinois 60563
                                    Attn:   General Counsel

                                    and in the case of Facility to:

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

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

                                    -----------------------------------
                                    Attn:  Administrator

         Either party may change its address for notices given hereunder by
         giving fifteen (15) days prior written notice in accordance with this
         Section 8.9.

8.10     Entire Agreement; Amendments.

         (a)      This Agreement, together with all Exhibits hereto, which are
                  incorporated herein and made a part hereof by this reference,
                  constitutes the entire Agreement between the parties hereto
                  and supersedes and cancels any other prior agreements or
                  understandings whether written, oral or implied. This
                  Agreement may not be amended except by an instrument in
                  writing signed by both the parties hereto.

         (b)      In the event of any material change in statutes, regulations,
                  or enforceable governmental policies applicable to either
                  party's obligations arising under this Agreement, or in the
                  event of the severance of any provision hereof pursuant to
                  Section 8.11, and either party is materially and adversely
                  affected thereby so as to materially diminish the benefits of
                  this Agreement reasonably intended by such affected party,
                  such affected party may provide notice of such material
                  adverse effect to the other, and request that this Agreement
                  be amended to resolve such material adverse effect. The
                  parties shall then be obligated to engage in good faith
                  negotiations in an attempt to agree upon an acceptable
                  amendment to this Agreement for the purpose of resolving the
                  material adverse effect. If the parties fail to agree to
                  amend this Agreement within thirty (30) days after receipt of
                  notice of material adverse effect, the affected party may
                  terminate this Agreement at any time thereafter, upon notice
                  given to the other party.

8.11     Severability. The invalidity or unenforceability of any term or
         provision hereof shall not affect the validity or enforceability of
         any other term or provision hereof.

                                       9
<PAGE>

8.12     Section Headings. The section headings contained in this Agreement are
         for reference purposes only and shall not affect the construction of
         this Agreement.

8.13     Nondiscrimination. APS shall provide all Respiratory Therapy Equipment
         and Supplies and otherwise perform all of its duties and
         responsibilities hereunder without unlawful discrimination on the
         basis of race, color, religion, national origin, sex ancestry,
         disability or any other basis protected by law.

                            [SIGNATURE PAGE FOLLOWS]
                                     * * *

                                      10
<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Agreement in
multiple counterparts, each of which shall be deemed to be an original, and all
of which together shall constitute this Agreement, effective as of the date
first written above.

AMERICAN PHARMACEUTICAL SERVICES, INC.

By:
   ------------------------------------
             Chris J. Mollet

Its:     Vice President

Date:    February ___, 2001

FACILITY

By:
   ------------------------------------
            Stefano M. Miele

Its:     Vice President

Date:    February ___, 2001

                                      11
<PAGE>

                                   EXHIBIT A

           RESPIRATORY THERAPY EQUIPMENT, SUPPLIES AND PAYMENT RATES

                             Respiratory Equipment

<TABLE>
<S>                                 <C>
Air Compression (50 psi)            $2.50 / day ($75.00 per month cap)

BiPAP                               $20.00 / day ($400.00 per month cap)

Concentrator                        $4.00 / day ($90.00 per month cap)

CPAP                                $7.00 / day ($175.00 per month cap)

IPPB                                $3.00 / day

Oxygen Analyzer                     $60.00 / month

Pulse Oximeter                      $75.00 / month

Suction Machine                     $1.20 / day

Treatment Nebulizer                 $1.00 / day
</TABLE>

                                      12
<PAGE>

                            GASEOUS OXYGEN PRODUCTS

                                 Gaseous Oxygen

<TABLE>
<S>                                          <C>
"D" Cylinder Contents                        $8.00 / each
"E" Cylinder Contents                        $10.00 / each
"M" Cylinder Contents                        $12.00 / each
"H" Cylinder Contents                        $14.00 / each
</TABLE>

                            Gaseous Equipment Rental

<TABLE>
<S>                                          <C>
"D" Cylinder Demmurge                        $3.00 / each
"E" Cylinder Regulator                       $12.00 / month
"E" Cylinder Cart                            $11.00 / month
"E" Cylinder Demmurge                        $3.00 /each
"E" Cylinder Rack (6)                        $15.00 / month
"E" Cylinder Rack (12)                       $20.00 / month
"M" Cylinder Demmurge                        $5.50 / each
"H" Cylinder Regulator                       $12.00 / month
"H" Cylinder Dolly                           $20.00 / month
"H" Cylinder Demmurge                        $5.50 / each
</TABLE>

Oxygen Delivery Fee

An emergency delivery charge per delivery based upon documented charges from
third party contractors may be passed on to the Facility.

Additional

APS will provide medical gas obtained by an oxygen vendor that is in compliance
with the FDA procedures. APS will obtain medical gas that is prepared in
accordance with purity standards of the United States Pharmacopoeia (USP).

                                      13
<PAGE>

                             LIQUID OXYGEN PRODUCTS

                             LIQUID OXYGEN CONTENTS

<TABLE>
<S>                                                          <C>
Stationary Unit - Liquid Contents                            $0.95 / lb
VGL Contents - Used for Stationary Refills                   $100.00 / VGL Unit
VGL Contents - Used for Piped in Oxygen                      $100.00 / VGL Unit
</TABLE>

                               RESERVOIRS RENTAL

<TABLE>
<S>                                                          <C>
Liquid Stationary Unit                                       $35.00 / month
Liquid Portable Unit                                         $25.00 / month
VGL Reservoir - Used for Stationary Refills                  $45.00 / month
VGL Reservoir - Used for Piped in Oxygen                     $45.00 month
</TABLE>

                               LIQUID BULK SYSTEM

<TABLE>
<S>                                                          <C>
Bulk Cryogenic Vessel                                        see below
Liquid Bulk Content                                          see below
</TABLE>

APS will assist the Facility with requirements justifying the installation of a
bulk cryogenic vessel on-site. The Facility will assume the responsibility for
the installation of an exterior "Bulk Liquid Cryogenic Vessel" if the Facility
so desires this type of oxygen delivery. APS will assist the Facility to
acquire expert advice for the layout and cost of such unit. The Facility will
be responsible for securing an adequate area to accommodate the unit/units and
manifold. The Facility will retain the responsibility for acquisition of a
cement base and the installation of appropriate fencing to secure the liquid
equipment and its contents. The cost of the bulk cryogenic vessel and bulk
liquid oxygen contents will be determined at that time. APS will arrange for
the transfilling of bulk liquid oxygen contents by using an oxygen vendor that
maintains standards in accordance with DOT regulations, maintains astringent
guidelines established by the Compressed Gas Association (CGA), and the FDA.

Oxygen Delivery Fee

An emergency delivery charge per delivery based upon documented charges from
third party contractors may be passed on to the Facility.

Additional

APS will provide cryogenic oxygen obtained by an oxygen vendor that is in
compliance with the FDA procedures. APS will obtain cryogenic oxygen that is
prepared in accordance with purity standards of the United States Pharmacopoeia
(USP). After receiving oxygen from the oxygen vendor, any Facility that
transfills cryogenic oxygen from a Liquid Oxygen System, to a Cryogenic Home
Vessel (CHV), a liquid stationary unit, will assume all responsibility for
maintaining FDA requirements, regulations, and documentation. APS does not
assume responsibility for any Facility transfilling liquid oxygen.

                                      14
<PAGE>

                            PREVENTATIVE MAINTENANCE

                       PREVENTATIVE MAINTENANCE ACTIVITY

<TABLE>
<S>                                                                     <C>
Preventative Maintenance on all APS-owned equipment                     Included in monthly rental fee

Preventative Maintenance on Facility-owned equipment in                 $10.00/modality/month plus APS'
buildings where the Facility is not utilizing a                         cost plus 25% on parts and filters
portion of APS' Respiratory Program (Facility
monthly invoice greater than $500.00)

Preventative Maintenance on Facility-owned equipment in                 $20.00/modality/month plus APS' cost
buildings where the Facility is not utilizing                           plus 25% on parts and filters
APS' Respiratory Program (Facility monthly invoice
less than $500.00)

Monthly Preventative Maintenance reports on all APS-owned               Included in monthly
rental fee equipment (sorted by region and Facility)

Monthly Preventative Maintenance reports on all                         $10.00 per month
Facility-owned equipment (sorted by region and Facility)
</TABLE>

Maintenance/Repair

-        APS personnel will provide preventative maintenance on Facility-owned
         items as requested.

-        APS will maintain documentation for preventative maintenance performed
         as requested.

-        Costs to repair Facility-owned equipment will include parts,
         accessories, and labor. These are additional charges to the Facility.

-        Repair costs will appear on the Facility invoice.

                                 MISCELLANEOUS

Reimbursement Denials

-        Subject to the provisions of Section 5.2 of this Agreement but
         notwithstanding the provisions of Section 5.2(d) of this Agreement,
         APS may request and Facility shall permit APS to further appeal a
         disallowance or recoupment under the circumstances described in
         Section 5.2.

                                      15<PAGE>
                                                                  EXHIBIT 10.95

                         CHEETAH MASTER LEASE AGREEMENT

         This Cheetah Master Lease Agreement ("Cheetah Master Lease") is made
by and between Studer/Morton Companies, Inc., a Texas corporation
("Studer/Morton"), and Living Centers of Texas, Inc., a Delaware corporation
("LCT"), duly authorized to do business in the State of Texas, each acting
herein by and through its duly authorized officers.

                                   RECITALS:

         1.       Studer/Morton, as the Lessor, with LCT, as Lessee, previously
entered into an agreement entitled "Master Lease Agreement" ("Morton Master
Lease") dated May 20, 1994, and 13 individual lease agreements, each entitled
"Lease Agreement" (individually a "Lease;" and collectively, the "Leases"),
relating to 13 long-term health care centers (collectively, the "Care Centers")
owned by Lessor. Five Leases (the "Cheetah Leases") cover the following Care
Centers: Care Inn of Llano; Care Inn of Sanger; Care Inn of Edna; Retama Manor
of Del Rio; and, Care Inn of Seguin (collectively, the "Cheetah Centers").
Eight Leases (the "Morton Leases") cover the following Care Centers: Care Inn
of Ganado; Care Inn of Gladewater; Victoria Linwood Place; Retama Manor
Victoria South; Victoria Care Inn West; Care Inn of Shamrock; Oak Crest Inn of
New Braunfels; and, Care Inn of San Marcos (collectively, the "Morton
Centers").

         2.       Studer/Morton, as Lessor, has entered into certain agreements
contemplating the transfer of the Cheetah Centers and the Cheetah Leases to
Cheetah Homes, Ltd., a Texas limited partnership ("Cheetah"), upon the
satisfaction of certain conditions, including, without limitation, the express
written consent of Bank One, Texas, National Association.

         3.       Concurrent with this Cheetah Master Lease, Studer/Morton and
LCT, are entering into amendments to the Cheetah Leases (the "Cheetah Lease
Amendments") and an amendment of the Morton Master Lease, eliminating the
Cheetah Centers from the Morton Master Lease, so that it covers only the Morton
Centers. Therefore, Studer/Morton and LCT now desire to enter this separate
Cheetah Master Lease for the Cheetah Centers.

         4.       Lessee filed a petition for relief under Chapter 11 of Title
11 of the United States Code on January 18, 2000.

         5.       The Bankruptcy Court having jurisdiction over Lessee's
bankruptcy case has entered an order authorizing Lessee to assume the Cheetah
Leases, as amended by the Cheetah Lease Amendments, to enter into this Cheetah
Master Lease and the Cheetah Lease Amendments, and to amend the Morton Master
Lease.

<PAGE>

         6.       This Cheetah Master Lease does not constitute an assignment
of the Cheetah Leases, as amended, to Cheetah.

                                  AGREEMENTS:

         NOW, THEREFORE, for adequate and sufficient consideration, intending
to be legally bound, Studer/Morton and LCT hereby agree as follows:

         1.       Effective Date. The Cheetah Lease Amendments and this Cheetah
Master Lease shall be effective January 25, 2001, on the terms and conditions
herein and therein set forth.

         2.       Lease. Studer/Morton does hereby and pursuant to the five
Cheetah Leases, as amended by the five Cheetah Lease Amendments ("Amended
Cheetah Leases"), lease to LCT and LCT does hereby and pursuant to the five
Amended Cheetah Leases lease from Studer/Morton, subject to the covenants,
agreements, terms, provisions and conditions contained herein and therein, for
the term and at the rental therein stated, the five Cheetah Centers.

         3.       Terms and Provisions Incorporated. The covenants, agreements,
terms, provisions and conditions contained and set forth in the Amended Cheetah
Leases are incorporated herein by this reference for all purposes the same as
if such were restated herein in their entirety.

         4.       Guaranty. The obligations of LCT under this Cheetah Master
Lease and the Amended Cheetah Leases, are guaranteed by a written Guaranty
dated May 20, 1994, from Living Centers of America, Inc., a Delaware
corporation, now known as Mariner Post-Acute Network, Inc. ("Mariner"), which
was partially ratified by Mariner pursuant to a Partial Ratification of
Guaranty dated January 25, 2001.

         5.       Single Agreement. This Cheetah Master Lease and the Amended
Cheetah Leases, are and shall constitute but a single agreement. A default
under this Cheetah Master Lease or any one of the Amended Cheetah Leases shall
be a default as to the Cheetah Master Lease and all of the Amended Cheetah
Leases, subject to this Cheetah Master Lease. The Amended Cheetah Leases, are
executed for convenience in (i) specifying certain terms and provisions
applicable only to the particular Cheetah Center covered by a particular
Amended Cheetah Lease, and (ii) permitting, as provided in each Amended Cheetah
Lease, the assignment and sublease thereof, only on those specified terms and
provisions.

         6.       Assignment and Sublease. LCT is and shall be permitted to
sublease or assign an Amended Cheetah Lease for any or all of the Cheetah
Centers on the terms and provisions set forth in each Amended Cheetah Lease.
Notwithstanding any such sublease or assignment, LCT shall remain primarily
liable for the full payment and performance of the obligations set forth herein
and in each and every Amended

                                       2
<PAGE>

Cheetah Lease. LCT agrees that Studer/Morton shall have the right to assign all
of the Amended Cheetah Leases to Cheetah without the prior written approval of
LCT. However, Studer/Morton will provide LCT with notice of the assignment. The
assignment shall be subject to the terms of this Cheetah Master Lease;
provided, however, Lessor and Lessee agree that as to the Amended Cheetah
Leases, but only as to the Amended Cheetah Leases to which this Cheetah Master
Lease applies and not to any other lease or master lease between Lessor and
Lessee, that notwithstanding anything to the contrary in any particular Amended
Cheetah Lease, including, without limitation, any otherwise applicable
limitation or prohibition on assignment or transfer, during the pendency of
Lessee's currently pending Chapter 11 case filed on January 18, 2000, and until
the effective date of a plan of reorganization in such Chapter 11 case, Lessee
may assign this Lease to any entity that satisfies the requirements for the
assignment of a lease under 11 U.S.C. ss.365.

         7.       Notices. Any notice to be given or to be served in connection
with this Agreement must be in writing, and may be given by certified or
registered mail or by overnight delivery by a nationally recognized delivery
service, and shall be deemed to have been given and received forty-eight (48)
hours after a certified or registered letter containing such notice, properly
addressed, with postage prepaid, is deposited in the United States mail, or the
next business day if delivered by the overnight delivery service addressed as
follows:

         If to Studer/Morton:       Stan Studer, Jr.
                                    8626 Tesoro Drive, Suite 202
                                    San Antonio, Texas 78217

                                    and

                                    Cliff Morton
                                    1919 Oakwell Farms Parkway, Suite 270
                                    San Antonio, Texas 78219

         If to LCT:                 Living Centers of Texas, Inc.
                                    One Ravinia Dr., Suite 1500
                                    Atlanta, Georgia 30346
                                    Attention: Treasurer

         Each party hereto shall have the right by giving written notice to the
other party hereto, to change the address of such party for the purpose of
notices under this paragraph 7.

         8.       Successors and Assigns. All of the covenants, agreements,
conditions and stipulations herein contained inure to the benefit of and are
binding upon Studer/Morton, its successors and assigns. All of the covenants,
agreements,

                                       3
<PAGE>

conditions and stipulations herein contained inure to the benefit of and are
binding upon LCT, its successors and assigns.

         9.       Partial Invalidity. If any term or provision of this Cheetah
Master Lease or the application thereof to any person or circumstance shall to
any extent be invalid or Cheetah Master Lease Agreement unenforceable, the
remainder of this Cheetah Master Lease, or the application of such term or
provision to any person or circumstances than those as to which it is invalid
or unenforceable, shall not be affected thereby, and each term of this Cheetah
Master Lease shall be valid and be in force to the fullest extent permitted by
law.

         10.      Descriptive Headings. The descriptive headings of this
Cheetah Master Lease are inserted for convenience in reference only and do not
in any way limit or amplify the terms and provisions of this Cheetah Master
Lease.

         11.      Modification. This Cheetah Master Lease may be modified only
by written agreement signed by Studer/Morton and LCT.

         12.      Governing Law. This Cheetah Master Lease shall be governed by
and interpreted in accordance with the laws of the State of Texas and
applicable federal laws.

         13.      Time is of the Essence. Time is of the essence in all things
under this Cheetah Master Lease.

         IN WITNESS WHEREOF, the parties have executed this Cheetah Master
Lease this 25th day of January, 2001.

                   [Signatures appear on the following page]

                                       4
<PAGE>

Studer/Morton:                               LCT:

Studer/Morton Companies, Inc.                Living Centers of Texas, Inc.

By:                                          By:
   -------------------------------              -------------------------------
    Clifford E. Morton, President            Its:
                                                 ------------------------------

STATE OF TEXAS
COUNTY OF BEXAR

         THIS INSTRUMENT was ACKNOWLEDGED BEFORE ME, on this ____ day of
_______________, 2001, by Clifford E. Morton, President of Studer/Morton
Companies, Inc., a Texas corporation, on behalf of said corporation.

                                             ----------------------------------
                                             Notary Public, State of Texas

STATE OF TEXAS
COUNTY OF BEXAR

         THIS INSTRUMENT was ACKNOWLEDGED BEFORE ME, on this ____ day of
_______________, 2001, by Boyd P. Gentry, Vice President of Living Centers of
Texas, a Delaware corporation, on behalf of said corporation.

                                             ----------------------------------
                                             Notary Public, State of Texas

                                       5

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}]]