Document:

<PAGE>

                                                                   EXHIBIT 10.43
                              EMPLOYMENT AGREEMENT
                              --------------------

     This Employment Agreement is made on April 1, 2000, between HARDEN &
COMPANY INSURANCE SERVICES INC. AKA Harden Group, and all subsidiaries
("Employer"), and THOMAS O. HEDFORD ("Executive").

                                    RECITALS
                                    --------

     A. Executive is and has been employed by Employer or its predecessor
company for more than five (5) years. Through such experience, he has acquired
outstanding and special skills and abilities and an extensive background in and
knowledge of Employer's business and the industry in which it is engaged.

     D. Employer desires assurance of the continued association and services of
Executive in order to retain his experience, skill, abilities, background and
knowledge, and is therefore willing to engage his services on the terms and
conditions set forth below.

     E. Executive desires to continue in the employ of Employer and is willing
to do so on those terms and conditions.

     NOW, THEREFORE, in consideration of the above recitals and of the mutual
promises and conditions in this Agreement, it is agreed as follows:

                              TERMS AND CONDITIONS
                              --------------------

     1.   Duties and Authority. Employer shall employ Executive as President,
          --------------------
Sales & Marketing of Employer. Executive's position as President, Sales &
Marketing is to remain in effect until changes are deemed necessary and approved
by action of the Employer.

     2.   Outside Business Activities. During his employment, Executive shall
          ---------------------------
devote his full energies, interest, abilities and productive time to the
performance of this Agreement and shall not, without Employer's prior written
consent, render to others services of any kind for compensation, or engage in
any other business activity that would materially interfere with the performance
of his duties under this Agreement.

     3.   Covenant Not to Compete During Employment Term. During the employment
          ----------------------------------------------
term, Executive shall not, directly or indirectly, whether as a partner,
employee, creditor, shareholder or otherwise, promote, participate in or engage
in any activity or other business competitive with Employer's business.

     4.   Term of Employment. Subject to earlier termination as provided in this
          ------------------
Agreement, Executive shall be employed beginning April 1, 2000 and ending March
31, 2002. Executive's compensation and benefits described under Section 6,
below, shall begin on April 1, 2000 and shall be prorated as necessary.

<PAGE>

     5.   Place of Employment.  Unless the parties agree otherwise in writing
          -------------------
during the employment term, Executive shall perform the services he is required
to perform under this Agreement at Employer's offices, located at 111 S.W.
Columbia, Suite 600, Portland, Oregon, provided, however, that Employer may from
time to time require Executive to travel temporarily to other locations on
Employer's business.

     6.   Executive's Compensation and Benefits.
          -------------------------------------

          (a)  Basic Salary. Employer shall pay a basic salary to Executive at a
               ------------
rate of $125,000 per year, payable on a semi-monthly basis, effective March 15,
2000. The basic salary payable to Executive under this Section 6(a) shall be
subject to increases based upon the personal performance of Executive and the
business performance of Employer as determined by periodic reviews and
evaluations to be conducted at least annually.

          (b)  Incentive Compensation. In addition to the basic salary provided
               ----------------------
for in Section 6(a) above, Employer shall pay to Executive as incentive
compensation a bonus up to $35,000 annually based on the following weighted
criteria:

          1/2  Annual 2000 revenue * $11,000,000; thereafter annual internal
               revenue growth greater than 10%; and

          1/2  Discretionary - based on customer retention; gross sales margins
               and new business and product development.

          (c)  Stock Options. In addition to the basic salary and incentive
               -------------
compensation, and as recognition of the contribution that Executive has made to
Employer, Employer shall grant to Executive additional stock options to acquire
no less than 100,000 shares of Anchor common stock pursuant to the Anchor
Pacific Underwriters, Inc. 1994 Stock Option Plan (the "Plan"). Executive's
Stock Option grant under the Plan shall be priced at 100% of the market price of
Employer's common stock on the date of grant. Executive's stock option under the
Plan shall become vested for exercise in annual increments of twenty five
percent (25%) of the shares subject to the option with the first increment
vesting on the first anniversary of the date of grant and shall be for a ten
(10) year term.

          (d)  Additional Benefits.  During the employment term, Executive shall
               -------------------
be entitled to receive all other benefits of employment generally available to
Employer's other executive and managerial employees when and as he becomes
eligible for them, including group health benefits, dental insurance, life
insurance (at three (3) times salary), and four (4) weeks of annual paid
vacation. Executive's vacation benefits shall be subject to Employer's policies
on limitations on accruing vacation time.

                                      -2-

<PAGE>

          (e)  Expenses. During the employment term, Employer shall reimburse
               --------
Executive for reasonable out-of-pocket expenses incurred in relation to
Employer's business, including all travel expenses, food and lodging while away
from home, subject to documentation to be submitted at least monthly and such
other policies as Employer may from time to time reasonably establish for its
employees.

          (f)  Automobile Allowance. During the employment term, Employer shall
               --------------------
furnish to Executive an automobile allowance of $700 per month as an alternative
to any other automobile travel expense otherwise payable under company policy.

     7.   Employer's Ownership of Intangibles. All processes, inventions,
          -----------------------------------
patents, copyrights, trademarks and other intangible rights that may be
conceived or developed by Executive, either alone or with others, during the
term of Executive's employment, whether or not conceived or developed during
Executive's working hours, and with respect to which the equipment, supplies,
facilities or trade secret information of Employer was used, or that relate to
the business of Employer or to Employer's actual or demonstrably anticipated
research and development, or that result from any work performed by Executive
for Employer, shall be the sole property of Employer. Executive shall disclose
to Employer all inventions conceived during the term of employment, whether or
not the property of Employer under the terms of the preceding sentence, provided
that such disclosure shall be received by Employer in confidence. Executive
shall execute all documents, including patent applications and assignments,
required by Employer to establish Employer's rights under this Section.

     8.   Indemnification by Employer. Employer shall, to the maximum extent
          ---------------------------
permitted by law, indemnify and hold Executive harmless against expenses,
including reasonable attorneys' fees, judgments, fines, settlements and other
amounts actually and reasonably incurred in connection with a proceeding arising
by reason of Executive's employment by Employer or any of its direct or indirect
subsidiaries. Employer shall advance to Executive any expenses incurred in
defending such proceeding to the maximum extent permitted by law.

     9.   Termination of Agreement.
          ------------------------

          (a)  Termination for Cause. Employer may terminate this Agreement at
               ---------------------
any time without notice if Executive commits any material act of dishonesty,
discloses confidential information, is guilty of gross carelessness or
misconduct, or unjustifiably neglects his duties under this Agreement. In the
event Executive is terminated for cause under this Section 9(a), he shall be
paid his basic salary due under Section 6(a) through the date of his
termination, all rights under Section 6(b) shall be lost.

          (b)  Termination on Resignation. Executive may terminate this
               --------------------------
Agreement by giving Employer two (2) months' prior written notice of his
resignation. In the event Executive resigns under this Section 9(b), on the date
of termination he shall be entitled to receive two(2) months' basic salary due
under Section 6(a), and any bonus due under Section 6(b) will be prorated
through the date of his resignation.

                                      -3-

<PAGE>

          (c)  Termination on Death. If Executive dies during the initial term
               --------------------
or during any renewal terms of this Agreement, this Agreement shall be
terminated on the last day of the calendar month of his death. In the event
Executive dies, he or his estate shall be entitled to the basic salary due under
Section 6(a) through the end of the month in which his death occurs, and any
bonus due under Section 6(b) shall be prorated through the end of the month in
which is death occurs.

     10.  Effect of Combination or Dissolution. This Agreement shall not be
          ------------------------------------
terminated by Employer's voluntary or involuntary dissolution or by any merger
in which Employer is not the surviving or resulting corporation, or on any
transfer of all or substantially all of Employer's assets. In the event of any
such merger or transfer of assets, the provisions of this Agreement shall be
binding on and inure to the benefit of the surviving business entity or the
business entity to which such assets shall be transferred.

     11.  Disclosure of Confidential Information and Trade Secrets Prohibited.
          -------------------------------------------------------------------
In the course of his employment, Executive may have access to confidential
information and trade secrets relating to Employer's business. Except as
required in the course of his employment by Employer, Executive will not,
without Employer's prior consent, either during his employment by Employer of
for three (3) years after termination of this employment, directly or
indirectly, disclose to any third person any such confidential information or
trade secrets.

     12.  Disclosure of Customer Information and Solicitation of Other Employees
          ----------------------------------------------------------------------
Prohibited. In the course of his employment, Executive will have access to
----------
confidential records and data pertaining to Employer's customers and to the
relationship between these customers and Employer's employees. Such information
is considered secret and is disclosed to Executive in confidence. During his
employment by Employer and for three (3) years after termination of that
employment, Executive shall not directly or indirectly, disclose or use any such
information, except as required in the course of his employment by Employer. In
addition, for three (3) years after termination of his employment, Executive
shall not induce or attempt to induce any employee of Employer to discontinue
employment with Employer for the purpose of employment with any competitor of
Employer.

     13.  Payment Upon Termination of Permanent Disability. Notwithstanding any
          ------------------------------------------------
provision of this Agreement, if Employer terminates this Employment Agreement
for any reason other than cause or Executive becomes permanently disabled or
unable to perform his duties as President, Employer shall pay Executive (i) an
amount equal to nine (9) months' basic salary due under Section 6(a), at
Executive's then current rate of compensation; (ii) any accrued, but unpaid,
bonus due under Section 6(b); and (iii) for a period of nine months, all
benefits, including the automobile allowance described in Section 6(f), to which
Executive would otherwise be entitled had the Agreement not been so terminated.
If Executive is permanently disabled, any obligations under this Section 13
shall be reduced, on a dollar-for-dollar basis, by any disability insurance
payments made to Executive during the nine (9) month period.

                                      -4-

<PAGE>

     14.  Miscellaneous Provisions.
          ------------------------

          (a)  Integration. This Agreement contains the entire agreement between
               -----------
the parties and supersedes all prior oral and written agreements,
understandings, commitments and practices between the parties, including all
prior employment agreements, whether or not fully performed by Executive before
the date of this Agreement. No amendments to this Agreement may be made except
by mutual consent and in writing signed by both parties.

          (b)  Choice of Law.  The formation, construction, and performance of
               -------------
this Agreement shall be construed in accordance with the laws of the State of
California.

          (c)  Notices. Any notice to Employer required or permitted under this
               -------
Agreement shall be given in writing by Executive, either by personal service or
by registered or certified mail, postage prepaid, addressed to Employer at its
then principal place of business. Any such notice to Executive shall be given in
a like manner and, if mailed, shall be addressed to Executive at his home
address then known in Employer's files. For the purpose of determining
compliance with any time limit in this Agreement, a notice shall be deemed to
have been duly given (i) on the date of service, if served personally on the
party to whom notice is given, or (ii) on the fifth business day after mailing,
if mailed to the party to whom the notice is to be given in the manner provided
in this Section.

          (d)  Remedies. If either party obtains a judgment against the order by
               --------
reason of breach of this Agreement, a reasonable attorneys' fee as fixed by the
court shall be included in such judgment.

          (e)  Severability. If any provision of this Agreement is held invalid
               ------------
or unenforceable, the remainder of this Agreement shall nevertheless remain in
full force and effect. If any provision is held invalid or unenforceable with
respect to particular circumstances, it shall nevertheless remain in full force
and effect in all other circumstances.

     Executed by the parties as of the day and year first above written.

                                     "Employer"
                                     HARDEN & COMPANY INSURANCE SERVICES, INC.,
                                     AKA HARDEN GROUP

                                     By:  /S/ [ILLEGIBLE]
                                        ----------------------------------------

                                     "Executive"

                                     By: /s/ Thomas O. Hedford
                                        ----------------------------------------
                                        Thomas O. Hedford

                                      -5-<PAGE>

                                                                   EXHIBIT 10.44

                  OVERHEAD SUPPORT & RESOURCE SHARING AGREEMENT

          This Overhead Support & Resource Sharing Agreement ("Agreement") is
made by and between Ward North America, Inc., a Georgia corporation, ("WNA") and
Anchor Pacific Underwriters, Inc., a Delaware corporation ("APU"), Ward Benefits
Administrators & Insurance Services, Inc., a Californina corporation, formerly
known as Harden & Company Insurance Services, Inc., ("WBA"); and Harden &
Company of Arizona, Inc., an Arizona corporation (Harden-AZ) and made effective
as of September 1, 2000 (the "Effective Date") with respect to the below
Recitals:

                                    RECITALS

          WHEREAS, WNA is a wholly-owned subsidiary of Ward North America
Holding, Inc., a California corporation ("WNAH"); and

          WHEREAS, in March 2000 WNAH purchased approximately 79% of the
outstanding capital stock of Anchor Pacific Underwriters, Inc., a Delaware
corporation ("APU"); and

          WHEREAS, WBA is a wholly-owned subsidiary of APU and Harden-AZ is a
wholly-owned subsidiary of WBA; and

          WHEREAS, WNA is engaged in the business of performing loss claims
administration and adjusting services with a national information systems and
communications infrastructure and centralized departments performing accounting,
human resources, legal, information technology, sales and marketing, treasury,
regulatory compliance, risk management, executive and other corporate
administrative functions; and

          WHEREAS, the operating results of Anchor, WBA, and Harden-AZ
(hereinafter collectively the "Supported Companies" and sometimes individually
"Supported Company") and WNA are reported on a consolidated basis by WNAH as a
result of its direct and indirect ownership interests in the parties; and

          WHEREAS, the Supported Companies and WNA entered into an agreement as
of the Effective Date for WNA to provide certain overhead support services to
the Supported Companies and for the parties to share WNA's overhead and
infrastructure resources on an equitable basis for their mutual benefit; and

          WHEREAS, the parties desire to more fully memorialize their agreements
and understandings concerning these matters by the execution and delivery of
this Agreement.

          NOW, THEREFORE, in consideration of the mutual covenants contained in
this Agreement, WNA and the Supported Companies hereby agree as follows:

                                       1

<PAGE>

          1.   Overhead Support Services. WNA agrees to provide the Supported
               -------------------------
Companies the overhead support services listed on Exhibit A (the "Support
Services") attached hereto and incorporated herein by reference and as may be
amended from time to time upon the mutual agreement of the parties during the
Term of this Agreement as defined in Section 4 herein. WNA agrees to perform all
Support Services in same manner and employing the same care and skill as
employed in the performance of such services on its own behalf.

               1.1  Ownership. The Supported Companies shall at all times retain
                    ---------
          all rights and ownership interests in all data, information, materials
          and other work product relating to the business of the Supported
          Companies developed by the parties, mutually or separately, through
          the performance of such Support Services hereunder.

          2.   Resource Sharing. WNA agrees to permit each of the Supported
               ----------------
Companies access to and the right to use the infrastructure resources and assets
described on Exhibit B (the "Shared Resources") attached hereto and incorporated
herein by reference and as may be amended from time to time upon the mutual
agreement of the parties during the Term of this Agreement as defined in Section
4 herein.

               2.1  Ownership. WNA shall retain at all ownership, possessory,
                    ---------
          occupancy, license and use rights in any and all tangible and
          intangible assets constituting the Shared Resources to which the
          Supported Companies are permitted access and the right to use during
          the Term of this Agreement. WNA does not grant the Supported Companies
          any right in any such Shared Resources that will survive the Term of
          this Agreement.

          3.   No Assumption of Liabilities. Except for the payment of the
               ----------------------------
Support Charges described in Section 4 herein and as may otherwise be expressly
stated herein, the Supported Companies' shall not assume nor he held responsible
for the payment or satisfaction of any portion of the costs incurred by WNA in
connection with the ownership, lease, license, use, maintenance, or operation of
the Shared Resources or WNA's costs and expenses incurred to provide the Support
Services.

          4.   Consideration Payable to WNA.
               ----------------------------

               4.1  Support Charges. The Supported Companies shall pay WNA the
                    ---------------
          sums specified in Exhibit C attached hereto ("Support Charges") in
          exchange for the Support Services provided by WNAH and the right to
          access, share and use the Shared Resources. Exhibit C shall be
          incorporated by reference into this Agreement and may be amended from
          time to time upon the mutual agreement of the parties.

               4.2  Payment. The Supported Companies will remit the sums stated
                    -------
          on Exhibit C to WNA within thirty (30) days after the end of each
          calendar month following the Effective Date.

               4.3  Demand Loans. The amount of any Support Charges remaining
                    ------------
          unpaid after their due date shall constitute a demand loan from WNA to
          the Supported Company

                                       2

<PAGE>

          and shall be reflected as such on the financial books and records of
          WNA and the affected Supported Company. Such loans shall bear no
          interest until written demand for payment is received from WNA.
          ("Demand Date"). The amount of any such outstanding demand loan
          ("Demand Loan") shall bear interest at the annual rate of eight
          percent (8%), compounded annually, from the Demand Date until paid.

               4.4  Promissory Notes. At WNA's election, any Supported Company
                    ----------------
          that is the obligor under a Demand Loan hereunder shall execute and
          deliver a promissory note evidencing the debt containing terms and
          conditions reasonably acceptable to WNA and its legal counsel.

          5.   Term of Agreement. This Agreement shall be deemed effective as of
               -----------------
the Effective Date defined above and shall remain in effect until September 1,
2002, unless terminated earlier as provided herein (the "Term").

               5.1  Termination.  This Agreement shall be terminated with out
                    -----------
                    cause:

                    (a)  immediately upon mutual written agreement of the
                         parties; or

                    (b)  by WNA upon three (3) months written notice to the
                         affected Supported Companies;

                    (c)  by any Supported Company with respect to that company
                         upon ten (10) days written notice to WNA.

               5.2  Termination Upon Default. The breach by either party of a
                    ------------------------
          material term or condition of this Agreement shall constitute an event
          of default ("Event of Default"). If such Event of Default is not cured
          by the defaulting party within ten (10) days after delivery of written
          notice describing the Event of Default, then the non-defaulting party
          shall be entitled, at its sole election, to terminate this Agreement
          without further notice.

               5.3  Termination by Reason of Bankruptcy. In the event of the
                    -----------------------------------
          occurrence of any of the following events, each party shall have the
          right to terminate this Agreement immediately upon providing written
          notice to the other party:

                    (a)  the commencement of any bankruptcy, insolvency,
                         reorganization, dissolution, liquidation of debt,
                         receivership or conservatorship proceeding or other
                         similar proceeding by or against the other party; or

                    (b)  the suspension or termination of business or
                         dissolution of, or the appointment of a receiver,
                         conservator, trustee or similar officer to take charge
                         of, a substantial part of the property of the other
                         party.

               5.5  Survival of Certain Obligations. The expiration or earlier
                    -------------------------------
          termination of this Agreement for any reason shall not terminate the
          Supporting Companies' indemnification obligations described in Section
          6 below.

                                       3

<PAGE>

          6.  Indemnification of WNA. The Supported Companies agree, jointly
              ----------------------
and severally, to indemnify WNA and its directors, officers, employees, agents,
parent corporation, and affiliates ("WNA Indemnified Parties") and hold each of
them harmless from and against and defend against, any and all claims, damages,
losses, penalties, expenses, costs and/or liabilities (including attorneys' fees
and court costs) that are caused by or result from any alleged breach by WNA of
any covenants provided herein or any alleged wilfull or negligent act or
omission of WNA in the performance of the Support Services or any claim arising
out of or related to the Supported Companies' use, occupancy, possession, or
sharing of the Shared Resources hereunder to the extent they are not caused by
or the result of the willful misconduct or gross negligence of WNA. The
Supported Companies' obligations to indemnify the WNA Indemnified Parties will
survive the expiration or termination of this Agreement by any party for any
reason.

          7.  Confidential Information.
              -------------------------

               7.1  Confidentiality Covenants. It is understood that the
                    -------------------------
          performance by WNA of the Support Services and the use of the Shared
          Resources by the parties could expose the parties to the private or
          confidential information of the others. Each party agrees to use the
          degree of care it exercises to protect its own private or confidential
          information to keep, and to have its employees and agents keep, any
          and all private or confidential information of the other parties
          strictly confidential and to use such information only for the purpose
          providing the Support Services or as necessary to use the Shared
          Resources. Each party acknowledges and agrees that, in the event of a
          breach or threatened breach by it of the provisions of this Section,
          the other parties will have no adequate remedy in money or damages
          and, accordingly, shall be entitled to an injunction against such
          breach. However, no specification in this Agreement of a specific
          legal or equitable remedy shall be construed as a waiver or
          prohibition against any other legal or equitable remedies in the event
          of a breach of any provision of this Agreement. Neither party shall
          provide any private or confidential information of the other party to
          third parties pursuant to an administrative or judicial subpoena,
          summons, search warrant, or other governmental order without providing
          prior notice to such other party, unless otherwise provided by law or
          court order.

               7.2  Limit of Confidentiality Obligations. The parties'
                    ------------------------------------
          obligations and agreements under Section 6.1 hereof shall not apply to
          any information supplied that:

                    (a)  was known to the receiving party prior to the
                         disclosure by the other; or

                    (b)  is or becomes generally available to the public other
                         than by breach of this Agreement; or

                    (c)  otherwise becomes lawfully available on a
                         non-confidential basis from a third party who is not
                         under an obligation of confidence to the other party.

          8.  Miscellaneous.
              -------------

                                       4

<PAGE>

               8.1  Assignment. WNA may not assign this Agreement in whole or in
                    ----------
          part without the other party's prior written consent, which consent
          may be withheld for any reason. Any attempted assignment without such
          consent shall be void.

               8.2  Waiver. No term or provision hereof will be deemed waived,
                    ------
          and no variation of terms or provisions hereof shall be deemed
          consented to, unless such waiver or consent shall be in writing and
          signed by the party against whom such waiver or consent is sought to
          be enforced. Any delay, waiver, or omission by any party to exercise
          any right or power arising from any breach or default of the other
          party in any of the terms, provisions, or covenants of this Agreement
          shall not be construed to be a waiver by such provider of any
          subsequent breach or default of the same or other terms, provisions,
          or covenants on the part of the other party.

               8.3  Governing Law. This Agreement and all rights and obligations
                    --------------
hereunder shall be governed by and construed in accordance with the laws of the
State of California except where USA federal law is applicable.

               8.4  Headings Not Controlling. Headings used in this Agreement
                    ------------------------
are for reference purposes only and shall not be deemed a part of this
Agreement.

               8.5  Force Majeure. Neither party shall be liable for a delay in
                    -------------
performance or failure to perform any obligation under this Agreement to the
extent such delay is due to causes beyond the control of that party and is
without its fault or negligence, including, but not limited to, acts of God,
labor disputes, governmental regulations or orders, civil disturbance, war
conditions, fires, or due to a failure by the other party to satisfy its
obligations under this Agreement.

                                        5

<PAGE>

          IN WITNESS WHEREOF, the parties have executed this Agreement by their
duly authorized officers effective as of September 1, 2000.

                                                WARD NORTH AMERICA, INC.

                                        By:

                                        Title:

                                        ANCHOR PACIFIC UNDERWRITERS, INC.

                                        By:

                                        Title:

                                        WARD BENEFITS AMINISTRATORS &
                                        INSURANCE SERVICES, INC.

                                        By:

                                        Title:

                                        HARDEN & COMPANY OF ARIZONA, INC.

                                        By:

                                        Title:

                                       6

<PAGE>

                                    EXHIBIT A

                            OVERHEAD SUPPORT SERVICES

WNA shall perform the following overhead support services during the term of
this Agreement:

     .    Executive Management - WNA to authorize and direct is executive
          officer employees, including its CEO, CFO, Executive Vice President,
          Senior and other Vice Presidents, to devote such portions of their
          business time and efforts as mutually deemed necessary and appropriate
          for the performance of executive management services on behalf of the
          Supported Companies.

     .    Accounting - Transition, centralize and fulfill such accounting
          department functions as may be requested by the Supported Companies
          from time to time, including but not limited to, compilation of
          financial data from various accounting systems; preparation of
          periodic financial statements and management reports; centralization
          of accounts receivable and accounts payable functions; tax return
          preparation, filing and annual reporting functions, trust accounting
          and reconciliation; maintenance of general ledger and fixed assets
          records, and process equipment lease applications, etc.

     .    Human Resources - Fulfill agreed upon human resource functions except
          recruitment of professional employees. WNA to provide the services of
          an adequately staffed Human Resource department to perform functions
          to include, payroll and benefits enrollment and administration; 401(K)
          profit sharing plan administration as authorized under plan documents;
          employment commencement and termination consulting and administration.

     .    Communications and Information Technology - Provide services of
          information technology and communications staff to Supported Companies
          including remote technical assistance for email, work station,
          business applications, and wide-area network maintenance. Services to
          include support for voice and data communications line installation
          and maintenance.

     .    Sales & Marketing - Provide certain centralized sales and marketing
          services to the Supported Companies through WNA's staff such as design
          and development of promotional marketing materials, joint use of trade
          show booths, procurement of printed materials and cross-selling by WNA
          sales personnel of Supported Company services to WNA customers and
          customers of its affiliates.

     .    Legal & Regulatory Compliance - Perform litigation management, general
          legal services, licensing, entity qualification and SEC reporting.

     .    Insurance & Risk Management - Prepare insurance and bond applications
          and maintain all appropriate insurance coverage.

                                       7

<PAGE>

                                    EXHIBIT B
                                        .
                                SHARED RESOURCES

WNA shall permit the Supported Companies to access and use the following
resources:

     .    Wide-area data network infrastructure, including hardware, systems
          software and data lines

     .    Telecommunications networks and service contract benefits

     .    Systems support software applications and network software licenses

     .    Desktop, enterprise, and server application software licenses not
          otherwise restricted by their terms

                                       8

<PAGE>

                                    EXHIBIT C

                  SUPPORT CHARGES - EFFECTIVE SEPTEMBER 1, 2000

In exchange for the Support Services and the use of the Shared Resources, the
Supported Companies will pay WNA the following consideration:

         Monthly Fee - The sum of $12,500 (jointly and severally as may be
         -----------
         allocated by agreement between the Supported Companies) per month
         during the Term of this Agreement.

         Direct Cost Responsibility & Reimbursement - In addition to the Monthly
         ------------------------------------------
         Fee, to the extent direct costs and expenses are solely attributable to
         one or more Supported Companies (such as transportation expenses for
         WNA personnel to travel to a Supported Company office to perform
         services) such costs shall be born by the Supported Company benefited
         by the expense. The benefited Company will pay such costs directly or
         shall reimburse WNA for such costs upon demand. Such costs remaining
         unpaid following demand for payment shall constitute demand loans by
         WNA as described in the Agreement.

                                               WARD NORTH AMERICA, INC.

                                           By:

                                           Title:

                                           ANCHOR PACIFIC UNDERWRITERS, INC.

                                           By:

                                           Title:

                                           WARD BENEFITS AMINISTRATORS &
                                           INSURANCE SERVICES, INC.

                                           By:

                                           Title:

                                       9

<PAGE>

                                            HARDEN  & COMPANY OF ARIZONA , INC.

                                            By:

                                            Title:

                                       10

<PAGE>

                                    EXHIBIT C

                   SUPPORT CHARGES - EFFECTIVE JANUARY 1, 2001

In exchange for the Support Services and the use of the Shared Resources, the
Supported Companies will pay WNA the following consideration:

         Percentage of Revenue Fee - Jointly and severally, an amount equal to
         -------------------------
         9% of the consolidated net revenue of the Supported Companies (as may
         be allocated and paid by agreement between the Supported Companies)
         each month during the Term of this Agreement.

         Direct Cost Responsibility & Reimbursement - In addition to the Monthly
         ------------------------------------------
         Fee, to the extent direct costs and expenses are solely attributable to
         one or more Supported Companies (such as transportation expenses for
         WNA personnel to travel to a Supported Company office to perform
         services) such costs shall be born by the Supported Company benefited
         by the expense. The benefited Company will pay such costs directly or
         shall reimburse WNA for such costs upon demand. Such costs remaining
         unpaid following demand for payment shall constitute demand loans by
         WNA as described in the Agreement.

                                              WARD NORTH AMERICA, INC.

                                      By:

                                      Title:

                                      ANCHOR PACIFIC UNDERWRITERS, INC.

                                      By:

                                      Title:

                                      WARD BENEFITS AMINISTRATORS &
                                      INSURANCE SERVICES, INC.

                                      By:

                                      Title:

                                       11

<PAGE>

                                          HARDEN  & COMPANY OF ARIZONA , INC.

                                          By:
                                                  ------------------------------
                                          Title:
                                                  ------------------------------

                                       12

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00033-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00033-of-00352.parquet"}]]