Document:

<PAGE>
                                                                   Exhibit 10.29

                     DEBT REPAYMENT AGREEMENT AND ASSIGNMENT

        This Debt Repayment Agreement and Assignment is made as of this 10th day
of July, 2002, by and between Matthew K. Fong ("Borrower") and American National
Financial, Inc. ("ANFI").

        WHEREAS, pursuant to the Employee Stock Purchase Plan and the
Non-Employee Director Stock Purchase Plan adopted September 29, 1999 by the
Board of Directors of ANFI (collectively, the "Purchase Plan"), ANFI was
authorized to loan to certain employees and non-employee directors an aggregate
of $2,000,000 for the purchase of ANFI common stock, no par value ("Common
Stock");

        WHEREAS, Borrower wishes to repay all principal and interest owed by
Borrower under the Plan as of June 30, 2002 (the "Indebtedness"), and ANFI
agrees to accept as repayment consideration for such amount, an amount of Common
Stock with a fair market value equal to the Indebtedness, such fair market value
determined by the average closing price of the Common Stock as reported by
Nasdaq for the 20 trading days preceding the date of this Agreement, or $14.97
per share;

        NOW, THEREFORE, in consideration of the foregoing, and for other good
and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, it is hereby agreed that:

        1.     Conveyance. For the repayment of the Indebtedness set forth
        below, Borrower hereby sells, assigns, conveys, transfers and delivers
        to ANFI the number of shares (the "Shares") of Common Stock set forth
        below:

<TABLE>
<CAPTION>
                                                                  Number of Shares
        Total Indebtedness (Principal + Interest)      (Total Indebtedness divided by $14.97)
        -----------------------------------------      --------------------------------------
<S>                                                    <C>
                         $113,248                                      7,565
</TABLE>

        2.     Acceptance. ANFI hereby accepts the foregoing sale and assignment
        of the Shares in total satisfaction of the Indebtedness set forth in
        Section 1.

        3.     Borrower's Representations. Borrower hereby represents and
        warrants to ANFI as of the date hereof as follows:

                      (a) Borrower is the sole owner and holder of the Shares
and has the full right to sell the Shares on the terms and conditions set forth
herein without consent of any third party.

<PAGE>

                      (b) This Agreement constitutes a legal, valid and binding
obligation of Borrower enforceable against Borrower in accordance with its
terms.

        4. Indemnification. Borrower agrees to indemnify, defend, reimburse and
hold harmless ANFI and ANFI's attorneys, employees, agents, affiliates,
successors and assigns from and against any and all losses, liabilities, damages
or expenses incurred with respect to a breach by Borrower of any representation
or warranty made by Borrower herein.

        5. Further Assurances. Borrower and ANFI shall each execute all
documents, instruments and agreements, and take all actions, as may be
reasonably required in order to consummate the transactions contemplated by this
Agreement.

        6. Miscellaneous. This Agreement shall be governed by and construed in
accordance with, the laws of the State of California. This Agreement contains
the entire agreement between the parties with respect to the subject matter
hereof and supersedes any prior agreements, understandings or negotiations. This
Agreement may not be amended except by a written amendment executed by Buyer and
Seller. This Agreement may be executed in counterparts, each of which shall be
deemed an original but all of which, taken together, shall constitute one and
the same document. This Agreement shall be binding upon, and shall inure to the
benefit of, the parties hereto and their respective successors and assigns.

                                   [signature page follows]

                                       2
<PAGE>

        Executed as of the date set forth above.

                                        Borrower:

                                        _______________________________________
                                        Matthew K. Fong

                                        ANFI:

                                        American National Financial, Inc.

                                        _______________________________________
                                        By:
                                        Its:

                                       3exv10w2

 

Exhibit 10.2

Old Gettysburg Associates II

4720 Old Gettysburg Road

Mechanicsburg, PA 17055

First Addendum to Lease Agreement

THIS FIRST AMENDMENT (this “first Amendment”) is made as of the 26th day of
February 2002, by and between OLD GETTYSBURG ASSOCIATES II, a Pennsylvania
limited partnership (“Landlord”) and SELECT MEDICAL CORPORATION, a Delaware
corporation (“Tenant”).

BACKGROUND:

	 	A.	 	Landlord and Tenant are parties to certain Office Lease Agreement
dated May 15, 2001 (the “Lease”), pursuant to which Landlord leased to
Tenant, and Tenant leased from Landlord, approximately 7,214 Rentable
square feet of space in the building located at 4720 Old Gettysburg
Road, Mechanicsburg, Pennsylvania. All capitalized terms not otherwise
defined herein shall have the meanings ascribed to them in the Lease.
	 
	 	B.	 	Tenant now desires to give back 4,583 RSF of space.

	 	 	NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein, and intending to be legally bound hereby, Landlord and
Tenant agree as follows:

	 	 	 	Effective on January 1, 2002, the following terms contained in the
Basic Lease Information shall be amended as follows:
Tenant agrees to forfeit 4,583 RSF, known as Suite 409.

	 	1.	 	Total area of the premises will be amended to 2,631
RSF.
	 
	 	2.	 	Tenant’s Proportionate Share will be 6%.
	 
	 	3.	 	The current monthly rental rate will be reduced by
$6,950.88.
	 
	 	4.	 	The new monthly rental rate is $3,990.35.
	 
	 	5.	 	Total Initial Annual Base Rental of $47,884.20.

	 	 	 	All other terms and conditions contained in the Lease and not amended
hereby remain in full force and effect.

 

 

	 	 	 	IN WITNESS WHEREOF, Landlord and Tenant have caused this First
Amendment to be duly executed as of February 26, 2002.

	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	Landlord:

Old Gettysburg Associates II

A Pennsylvania limited partnership	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	Witness:	 	
/s/ Laura J. Martin
	 	By:
	 	/s/ Michael E. Salerno
	 	Date: 3/5/02
	 	 	 	

	 	 	 	
	 	 
	 	 	 	 	 	 	 	Michael E. Salerno

Agent for Owner	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	 	 	 	 	Tenant:

Select Medical Corporation

A Delaware Corporation
	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	Attest:	 	
/s/ Michael E. Tarvin
	 	By:
	 	/s/ Scott A. Romberger
	 	Date: 2/26/02
	 	 	 	

	 	 	 	
	 	 	 
	 	 	 	
Michael E. Tarvin

Secretary
	 	 	 	Scott A. Romberger

Vice President	 	 

2exv10w3

 

Exhibit 10.3

Old Gettysburg Associates II

4720 Old Gettysburg Road

Mechanicsburg, PA 17055

Second Addendum to Lease Agreement

THIS SECOND AMENDMENT (this “Second Amendment”) is made as of the 26th day of
February 2002, by and between OLD GETTYSBURG ASSOCIATES II, a Pennsylvania
limited partnership (“Landlord”) and SELECT MEDICAL CORPORATION, a Delaware
corporation (“Tenant”).

BACKGROUND:

	 	A.	 	Landlord and Tenant are parties to certain Office Lease Agreement
dated May 15, 2001 (the “Lease”), as amended February 2002, pursuant to
which Landlord originally leased to Tenant, and Tenant leased from
Landlord, approximately 7,214 Rentable square feet of space, and then
was reduce to 2,631 RSF, in the building located at 4720 Old Gettysburg
Road, Mechanicsburg, Pennsylvania. All capitalized terms not otherwise
defined herein shall have the meanings ascribed to them in the Lease.
	 
	 	B.	 	Tenant now desire to lease additional space.
	 
	 	 	 	NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein, and intending to be legally bound hereby, Landlord and
Tenant agree as follows:
	 
	 	 	 	Effective on April 1, 2002, the following terms contained in the
Basic Lease Information shall be amended as follows:

	 	1.	 	Tenant agrees to lease an additional 3,206 RSF on the
fourth floor.
	 
	 	2.	 	Total area of the premises will be amended to 5,837
RSF.
	 
	 	3.	 	Tenant’s Proportionate Share will be 14%.
	 
	 	4.	 	The current monthly rental rate will be $4,862.43 for
the additional space or $18.20/RSF.
	 
	 	5.	 	Total monthly rental rate for the total 5,837 RSF
will be $8,852.78 or a total Initial Annual Base Rental of
$106,233.40
	 
	 	6.	 	Tenant shall take the space AS-IS.

	 	 	 	All other terms and conditions contained in the Lease and not amended
hereby remain in full force and effect.

 

 

	 	 	 	IN WITNESS WHEREOF, Landlord and Tenant have caused this Second
Amendment to be duly executed as of February 26, 2002.

	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	Landlord:

Old Gettysburg Associates II

A Pennsylvania limited partnership	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	Witness:	 	
/s/ Laura J. Martin
	 	By:
	 	/s/ Michael E. Salerno
	 	Date: 3/5/02
	 	 	 	

	 	 	 	
	 	 
	 	 	 	 	 	 	 	Michael E. Salerno

Agent for Owner	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	 	 	 	 	Tenant:

Select Medical Corporation

A Delaware Corporation
	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	Attest:	 	
/s/ Michael E. Tarvin
	 	By:
	 	/s/ Scott A. Romberger
	 	Date: 2/26/02
	 	 	 	

	 	 	 	
	 	 	 
	 	 	 	
Michael E. Tarvin

Secretary
	 	 	 	Scott A. Romberger

Vice President	 	 

2exv10w4

 

Exhibit 10.4

Old Gettysburg Associates II

4720 Old Gettysburg Road

Mechanicsburg, PA 17055

Third Addendum to Lease Agreement

         THIS THIRD AMENDMENT (this “third Amendment”) is made as of the 26th day of
February 2002, by and between OLD GETTYSBURG ASSOCIATES II, a Pennsylvania
limited partnership (“Landlord”) and SELECT MEDICAL CORPORATION, a Delaware
corporation (“Tenant”).

BACKGROUND:

	 	A.	 	Landlord and Tenant are parties to certain Office Lease Agreement
dated May 1, 2001 (the “Lease”), and Amendments I and II dated February
2002. All capitalized terms not otherwise defined herein shall have the
meanings ascribed to them in the Lease.
	 
	 	B.	 	Tenant now desires to lease additional space.
	 
	 	 	 	NOW, THEREFORE, in consideration of the mutual covenants and promises
contained herein, and intending to be legally bound hereby, Landlord and
Tenant agree as follows:
	 
	 	 	 	Effective on May 1, 2002, the following terms contained in the Basic
Lease Information shall be amended as follows:

	 	1.	 	Tenant agrees to lease an additional 5,577 RSF, known
as Suites 309 & 311.
	 
	 	2.	 	Total area of the premises will be amended to 11,414
RSF.
	 
	 	3.	 	Tenant’s Proportionate Share will be 27%.
	 
	 	4.	 	The current monthly rental rate for the additional
spaces will be $8,458.45.
	 
	 	5.	 	Monthly rental rate for the entire 11,414 RSF is
$17,311.23 or a total Initial Annual Base Rental rate of
$207,734.80.
	 
	 	6.	 	Owner will give Tenant a Tenant Improvement Allowance
of $5.00 per RSF or $27,885 to build out the new space.

	 	 	 	All other terms and conditions contained in the Lease and not amended
hereby remain in full force and effect.

 

 

	 	 	 	IN WITNESS WHEREOF, Landlord and Tenant have caused this Third
Amendment to be duly executed as of February 26, 2002.

	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	Landlord:

Old Gettysburg Associates II

A Pennsylvania limited partnership	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	Witness:	 	
/s/ Laura J. Martin
	 	By:
	 	/s/ Michael E. Salerno
	 	Date: 3/5/02
	 	 	 	

	 	 	 	
	 	 
	 	 	 	 	 	 	 	Michael E. Salerno

Agent for Owner	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	 	 	 	 	Tenant:

Select Medical Corporation

A Delaware Corporation
	 	 
	
	
	
	

	 	 	 	 	 	 	 	 	 
	
	
	
	

	 	Attest:	 	
/s/ Michael E. Tarvin
	 	By:
	 	/s/ Scott A. Romberger
	 	Date: 2/26/02
	 	 	 	

	 	 	 	
	 	 	 
	 	 	 	
Michael E. Tarvin

Secretary
	 	 	 	Scott A. Romberger

Vice President	 	 

2

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