Document:

EXHIBIT 10(a)

                              ENDORSEMENT NO. 2

                                    to the

                              GUARANTY AGREEMENT
                           Effective:  July 1, 1996

                                 provided by

                         DORINCO REINSURANCE COMPANY
                                 in favor of
                STATE AND COUNTY MUTUAL FIRE INSURANCE COMPANY
                 as respects business produced and managed by
                 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS
                              or its subsidiary
                    AMERICAN HALLMARK GENERAL AGENCY, INC.

 IT IS  HEREBY AGREED,  effective  July 1,  2000,  that the  fifth,  seventh,
 eleventh and nineteenth paragraphs under PREAMBLE (as amended by Endorsement
 No. 1) shall be deleted and the following substituted therefor:

           "DORINCO has entered  into a Quota  Share Retrocession  Agreement,
      effective  July 1,   1996,   with  AMERICAN   HALLMARK   ('Retrocession
      Agreement'), pursuant  to which  AMERICAN  HALLMARK has  retroceded  to
      DORINCO  a  25%  share  of  the  Interest  and  Liabilities  under  the
      Reinsurance Agreement.  As respects subject business of the REINSURANCE
      AGREEMENT written or renewed on or after July 1, 1997, and before  July
      1, 2000, AMERICAN HALLMARK will retrocede to DORINCO a 50% share of the
      Interest and Liabilities under the Reinsurance Agreement.  As  respects
      subject business of the REINSURANCE AGREEMENT written or renewed on  or
      after July 1, 2000, AMERICAN HALLMARK will retrocede to DORINCO a  100%
      share of the Interest and Liabilities under the Reinsurance Agreement.

      NOW, THEREFORE, DORINCO hereby agrees, as respects subject business  of
      the REINSURANCE AGREEMENT written or renewed on or after July 1,  2000,
      to guarantee a 100% share of  the full and complete performance of  all
      terms,  conditions and covenants  by:  (a)  AMERICAN HALLMARK under the
      REINSURANCE  AGREEMENT  (Exhibit 'A');  (b) GENERAL  AGENCY  under  the
      GENERAL AGENCY AGREEMENT (Exhibit 'B'); and (c) AMERICAN HALLMARK under
      the  ADMINISTRATIVE  SERVICES AGREEMENT  (Exhibit 'C').  This  GUARANTY
      constitutes consideration by  DORINCO to  STATE AND  COUNTY MUTUAL  for
      entering into the subject agreements with AMERICAN HALLMARK and GENERAL
      AGENCY.

      If, by  action of  a  state insurance  regulatory  agency or  court  of
      competent jurisdiction, AMERICAN HALLMARK is  found to be insolvent  or
      is placed in supervision, conservation, receivership, rehabilitation or
      liquidation, or has  a receiver, supervisor  or conservator  appointed,
      then DORINCO shall fully assume 100% of AMERICAN HALLMARK's obligations
      owed to STATE AND COUNTY MUTUAL under the subject agreements, including
      but not limited to making all  payments that were required of  AMERICAN
      HALLMARK under the subject agreements.   STATE AND COUNTY MUTUAL  shall
      assign to  DORINCO its  right to  recover  from AMERICAN  HALLMARK  any
      claims payments or other payments made  by DORINCO to STATE AND  COUNTY
      MUTUAL by reason of  AMERICAN HALLMARK being found  to be insolvent  or
      placed in  supervision,  conservation receivership,  rehabilitation  or
      liquidation.   Notwithstanding  DORINCO's  agreement  to  fully  assume
      AMERICAN HALLMARK's obligations,  if AMERICAN  HALLMARK is found to  be
      insolvent or  is  placed in  supervision,  conservation,  receivership,
      rehabilitation or liquidation,  STATE AND  COUNTY  MUTUAL shall not  be
      required to pay to DORINCO any amounts paid by STATE AND COUNTY  MUTUAL
      to AMERICAN HALLMARK  as of  that date  and/or which  STATE AND  COUNTY
      MUTUAL is required to pay in the future to AMERICAN HALLMARK and/or its
      supervisor, conservator, rehabilitator or liquidator.

      In the event that either (i) the Texas Department of Insurance requires
      cancellation or disallows credit for reinsurance under the  REINSURANCE
      AGREEMENT or (ii) DORINCO's A.M. Best rating at any time is lower  than
      A-,  DORINCO  will  immediately  secure  100%  of  AMERICAN  HALLMARK's
      obligations  under  the  REINSURANCE  AGREEMENT  via  a  security  fund
      agreement to be executed by DORINCO and STATE AND COUNTY MUTUAL,  which
      security fund  agreement shall  be in  form and  content acceptable  to
      STATE AND COUNTY MUTUAL."

 The provisions of this Agreement shall remain otherwise unchanged.

 IN WITNESS WHEREOF, the parties hereto  by their respective duly  authorized
 representatives have executed this Endorsement as  of the dates first  above
 mentioned.

                               DORINCO REINSURANCE COMPANY

 Attest:                       By:  __________________________________

                               Title:  ________________________________

                               Date:  ________________________________

                               AMERICAN HALLMARK INSURANCE
                               COMPANY OF TEXAS

 Attest:                       By:  __________________________________

                               Title:  ________________________________

                               Date:  ________________________________

                               AMERICAN HALLMARK GENERAL
                               AGENCY, INC.

 Attest:                       By:  __________________________________

                               Title:  ________________________________

                               Date:  ________________________________EXHIBIT 10.10

                     EMPLOYMENT TERMINATION AND AGREEMENT

      CompuTrac, Inc.  has  elected,  by these  presents,  to  terminate  the
 employment agreement  between CompuTrac,  Inc. (CT)  and Harry  W.  Margolis
 (HWM)  dated January  1, 1998.  Termination is being  exercised pursuant  to
 Item 4(i) of said agreement.

      Said agreement is hereby terminated effective at the close of  business
 on January 31, 2001.  HWM and CT do hereby agree that the demand  promissory
 note in the amount  of $817,659.00, being  executed by CT  contemporaneously
 with the execution of  this agreement, shall  constitute full settlement  of
 any and all termination payments required under said agreement.  HWM and  CT
 further agree and acknowledge that other than accrued and unpaid salary  for
 the month of January 2001, no further monies  are due or owing to HWM  under
 the agreement being terminated.

      Neither the  Agreement  &  Conditional Collateral  Assignment  nor  the
 Monthly Employment Agreement  effective February  1, 2001,  are affected  by
 this termination.

      Dated this ____ day of January, 2001.

 Executive:                    CompuTrac, Inc.

 ___________________________   By:_______________________________
 Harry W. Margolis                  George P. Pardue
                               Its: Chief Financial OfficerEXHIBIT 10.11

                         MONTHLY EMPLOYMENT AGREEMENT

      THIS AGREEMENT ("Agreement"), is  made and entered into  as of the  1st
 day of  February,  2001,  by and  between  CompuTrac,  Inc.,  a  corporation
 organized under  the  laws  of the  State  of  Texas ("CT"),  and  Harry  W.
 Margolis, an individual residing in Frisco, Texas (HWM or Executive), hereby
 agree as follows:

 1.   Employment:

      CT hereby employs  HWM to serve  as the Chief  Executive Officer of  CT
 with such duties, authority  and powers in this  capacity as are  determined
 from time-to-time by the Board of Directors of CT.

 2.   Term of Agreement:

      This Agreement is on  a month-to-month basis and  may be terminated  by
 either party by  providing the other  party with 30-days  written notice  of
 termination.

 3.   Compensation:

      HWM's compensation shall be the sum of $10,000.00 per month.

 4.   Miscellaneous:

      i.  During the term of this Agreement, CT shall provide and pay for: an
 automobile for HWM, as well as  all operating and maintenance costs of  said
 automobile; all medical  costs incurred by  HWM for himself  or his  spouse,
 including medical insurance premiums; monthly membership costs of Stonebriar
 Country Club;  all  reasonable  expenses for  communications  and  equipment
 necessary to permit Executive to work out of his home; the historical  split
 dollar costs as defined in the Agreement & Conditional Collateral Assignment
 document between HWM  and CT; and,  such other benefits  as are provided  to
 other employees of CT.

       ii. Following termination of this Agreement, CT agrees to continue  to
 provide medical  insurance in  force  and effect  for  HWM and  his  spouse,
 comparable to  group coverage  existing as  of the  effective date  of  this
 agreement.  This  insurance will be  provided until the  earlier of (1)  the
 date that  HWM  notifies CT  that  adequate replacement  coverage  has  been
 obtained  or  (2)   availability  of  full   Medicare  coverage   (including
 prescription drugs) to HWM  and his spouse. If  no replacement coverage  has
 been obtained within four years following termination of this agreement, HWM
 shall, thereafter,  reimburse  CT for  the  annual cost  of  providing  such
 coverage, not to exceed the cost of premiums during the one year immediately
 preceding  the  termination  of  this  Agreement.    For  purposes  of  this
 provision, the spouse of HWM shall be a third party beneficiary.

      iii. Executive has and will acquire confidential information by  virtue
 of his  employment with  CT.   Executive  agrees  to keep  such  information
 confidential.   In  the  event  of  any  breach,  threatened  or  actual  by
 Executive, it is expressly agreed that the sole remedy available to CT shall
 be a matter of right to a writ of injunction to prevent such breach  without
 the necessity of posting a bond.  If Executive challenges the right of CT to
 obtain an injunction and a court  of competent jurisdiction determines  that
 as a matter of law the  remedy of injunction is  not available, CT may  then
 seek compensatory damages.

      iv.  All inventions, tradenames, trademarks, copyrights,  improvements,
 processes, devices and  computer software made,  discovered or developed  by
 Executive during the term of his employment with CT which may be directly or
 indirectly useful in or which relate to  any phase of the business in  which
 CT is engaged, is  actively planning to be  engaged, or in  which CT or  its
 predecessors have  been engaged,  shall be  the property  of CT.   Upon  the
 request and at the  expense of CT, Executive  shall make application in  due
 form to  any domestic  or  foreign registry  requested  by CT  for  patents,
 trademarks, copyrights or similar protection and  will assign to CT all  his
 rights, title  and interest  to  said inventions,  improvements,  processes,
 devices, computer software, patents, trademarks, tradenames and  copyrights,
 and shall execute any instruments necessary  or which CT may deem  desirable
 and  will  cooperate  with  CT  in  all  respects  in  connection  with  any
 continuations, renewals  or  reissues of  patents,  trademarks,  tradenames,
 copyrights or similar  protection or in  the conduct of  any proceedings  or
 litigation in  regard thereto.   Upon  termination  of employment  with  CT,
 Executive agrees to deliver to CT all records, documents, data and  computer
 media records  of CT  in his  possession or  custody.   Notwithstanding  the
 foregoing, upon termination of employment, Executive shall have a  perpetual
 non-exclusive free license to use, improve, sell or license any of  computer
 software, invention, process,  device or improvement  developed by or  under
 the direction  of  Executive during  his  employment  with CT,  so  long  as
 Executive's activities in this area are not competitive with the  activities
 or planned  activities  of  CT  at  the time  of  the  termination  of  this
 employment.

      v.   Executive   shall   not   be   required   to   mitigate   damages.

      vi.   The terms  hereof replace  and  control the  terms of  all  prior
 employment agreements, but do not affect the terms of the promissory note or
 collateral assignment agreements between HWM and CT.

 Dated this ______ day of  January, 2001, effective February 1, 2001.

 Executive:                         CompuTrac, Inc.

 ___________________________        By:_______________________________
 Harry W. Margolis                       George P. Pardue
                                    Its: Chief Financial Officer

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