Document:

Exhibit 10.11

                        ADMINISTRATIVE SERVICES AGREEMENT

                                  BY AND AMONG

                                  NCRIC, INC.,
                               NCRIC GROUP, INC.,
                                NCRIC MSO, INC.,
                COMMONWEALTH MEDICAL LIABILITY INSURANCE COMPANY,
                   NATIONAL CAPITAL INSURANCE BROKERAGE, LTD.,
                          NCRIC INSURANCE AGENCY, INC.,
                      NCRIC PHYSICIANS ORGANIZATION, INC.,
                               HCI VENTURES, LLC,
                                       AND
                          AMERICAN CAPTIVE CORPORATION

<PAGE>

                        ADMINISTRATIVE SERVICES AGREEMENT

      This Administrative Services Agreement ("Agreement") is made and entered
as of the 25th day of June, 2003, by and among NCRIC, Inc., a stock insurance
company organized under the laws of the District of Columbia ("NCRIC"); NCRIC
Group, Inc., a stock holding company organized under the laws of the State of
Delaware; NCRIC MSO, Inc., a corporation organized under the laws of the State
of Delaware; Commonwealth Medical Liability Insurance Company, a stock insurance
company organized under the laws of the District of Columbia; National Capital
Insurance Brokerage, Ltd., an insurance brokerage organized under the laws of
the District of Columbia; NCRIC Insurance Agency, Inc., an insurance agency
organized under the laws of the District of Columbia; NCRIC Physicians
Organization, Inc., a physicians organization organized under the laws of the
District of Columbia; HCI Ventures, LLC, a limited liability company organized
under the laws of Commonwealth of Virginia; and American Captive Corporation, a
protected-cell captive insurance company organized under the laws of the
District of Columbia (collectively, the "Affiliates").

                                    RECITALS

      Each of the Affiliates, in order to efficiently and effectively carry out
its operations, desires to engage one or more of its Affiliates (a "Service
Provider") to provide certain administrative and other services for and on
behalf of such Affiliate on the terms and conditions hereinafter set forth.

      NOW, THEREFORE, in consideration of the premises and the mutual covenants,
undertakings and agreements set forth herein, the parties mutually agree as
follows:

      1. Engagement of Service Providers. Each Affiliate hereby engages each
Service Provider to act as an independent contractor to provide the services set
forth, and to the extent contemplated, in Section 3 below (the "Services") to
such Affiliate. Each Affiliate hereby authorizes each Service Provider to
perform all acts necessary or appropriate to fulfill such engagement, and each
Service Provider hereby accepts such engagement and agrees to perform all acts
necessary or appropriate to fulfill such engagement, all in accordance with the
terms and conditions and subject to the limitations set forth in this Agreement.

      2. Term. This Agreement shall commence as of the date set forth above and
shall remain in effect until terminated by all the Affiliates pursuant to
written agreement. Any Affiliate may terminate this Agreement as it applies to
such Affiliate by giving written notice of such termination to each other
Affiliate at least sixty (60) days prior to the effective date of termination.
Upon termination of this Agreement by an Affiliate with respect to itself, each
Service Provider shall deliver to the terminating Affiliate all records and
information of every kind which relate to the provision of the Service
Provider's services under this Agreement and which are in the possession,
custody or control of the Service Provider. If the terminating Affiliate is a
Service Provider, such Service Provider shall also return to each Affiliate all
records and information of every kind which relate to the provision of the
Service Provider's Services under this Agreement to such Affiliate.

<PAGE>

      3. Services. During the term of each Service Provider's engagement under
this Agreement, each Service Provider shall undertake its best efforts to
provide the Services to an Affiliate at and upon the request of such Affiliate,
subject to each Service Provider's reasonable discretion to decline to provide
specific Services that may be requested by such Affiliate. All Services
performed under this Agreement shall be performed in accordance with good
business practices and industry customs. The Services which may be provided
include:

            (a) Administrative and clerical services, and such personnel as may
be required by an Affiliate for administrative and clerical tasks, to ensure the
smooth and orderly operation of such Affiliate's business;

            (b) Financial and accounting services, which may include (i)
recording and payment on behalf of an Affiliate of all employment-related
expenses of such Affiliate, including, but not limited to, payroll, payroll
taxes, employee fringe benefits, income tax withholdings (federal, state and
local), FICA, insurance and other expenses; provided, however, that any
employees of an Affiliate shall remain employees of such Affiliate and shall
not, by reason of the Service Provider's rendering of services in an agency
capacity, become employees of each Service Provider; (ii) the establishment and
maintenance of accounting journals, including cash receipts journals, cash
disbursements journals, general journals, and general ledgers; (iii) accounting
and managerial services which shall include, but not be limited to, maintenance
of purchase records, personnel and employment records and tax records; (iv)
performing all revenue accounting functions including invoicing of all sales,
collection of revenues, credit determinations, accounts receivable accounting
and reporting to an Affiliate; (v) maintaining adequate records and books of
account reflecting all financial transactions; and (vi) performing such other
services incidental to the foregoing as may from time to time be reasonably
requested by an Affiliate;

            (c) Support services including access to the Service Provider's
facilities and support personnel and the Service Provider's receptionist and
telephone answering service;

            (d) Utilization of the Service Provider's computer hardware and
software, including any necessary technical support;

            (e) Marketing, claims processing, underwriting and executive
management services; and

            (f) Assistance in the acquisition of furniture and equipment
reasonably necessary to an Affiliate's operations.

      4. Personnel and Hours. The number and hours of service of each Service
Provider's personnel assigned to perform the Services shall be determined by
Service Provider in its discretion, and such Service Provider shall have the
right to reasonably reduce or increase the number of its personnel providing the
Services from time to time without notice to or consent of an Affiliate. Such
personnel shall be and at all times remain the employees of the Service
Provider. In consultation

<PAGE>

with an Affiliate, the Service Provider shall define the duties and
responsibilities of personnel provided under this provision. The Service
Provider shall be solely responsible for hiring, training and firing such
personnel and for setting compensation and benefits and all other terms,
conditions and requirements of employment. The Service Provider shall be solely
responsible for all compensation and benefits owed to its personnel who perform
Services hereunder. The Service Provider shall be solely responsible for meeting
any and all legal obligations to such personnel which are imposed upon the
Service Provider as their employer or contractor, as the case may be.

      5. Remuneration for Services. During the term of this Agreement, each
Affiliate will pay to the Service Provider a quarterly service fee (the "Service
Fee"), in arrears, equal to the Service Provider's costs and expenses to provide
Services to such Affiliate in the preceding quarter; such payment shall include,
but not be limited to, reimbursement to the Service Provider of payroll-related
expenses, telephone expenses, postage, office equipment and supplies, overhead,
rent for equipment and office space, expenses associated with word processing
facilities and computer hardware, software and time sharing, and expenses of
receptionist and telephone answering services. The Service Fee will be billed by
invoice to each Affiliate stating in reasonable detail the Services rendered to
such Affiliate, fees charged therefore and costs and expenses incurred. The
Service Fee will be due and payable within thirty (90) days of invoice date.

      6. Financial Records. Each Service Provider shall maintain on a current
basis true, correct and complete books and records of moneys disbursed in
connection with the Service Provider's performance of the Services, and all
matters relating thereto.

      7. Independent Contractors. Each Affiliate hereby engages each Service
Provider as an independent contractor and the Service Provider and each
Affiliate is responsible only for its own actions. Neither a Service Provider
nor its employees, subcontractors or agents shall be deemed to be the servants
or employees of any Affiliate. Nothing in this Agreement shall be construed to
create a joint venture, partnership or any other relationship of any nature
which would create any liability or responsibility on the part of any party for
the debts, obligations or liabilities of any other party; provided, however,
that should a Service Provider become liable to any third party by reason of
providing services hereunder, the Affiliate on whose behalf the Services were
provided will (subject to paragraph 8) hold the Service Provider harmless from
and against all damages (including settlements) and expenses (including
attorneys' fees and expenses) incurred by the Service Provider in connection
with the defense of all such debts, obligations or liabilities, including, but
not limited to, defense of all actions, suits and proceedings and prosecution or
defense of any related appeal. Nonetheless, a Service Provider is not authorized
to enter into any contract on behalf of any Affiliate by reason of any term of
this Agreement without the prior written consent of such Affiliate.

      8. Limitation of Liability. Except as provided in this Agreement or
otherwise provided by law, Service Providers will incur no liability to any
Affiliate, or to others, in respect of any act or failure to act taken or done
in good faith by the Service Provider in performing its obligations under this
Agreement, and the Affiliate(s) on whose behalf such obligations were performed
will indemnify and hold such Service Provider harmless from and against all
damages (including settlements) and expenses (including attorneys' fees and
expenses) incurred by the Service Provider in connection

<PAGE>

with the defense of all such acts or failures to act, including, but not limited
to, defense of all actions, suits and proceedings and prosecution or defense of
any related appeal, and all claims or actions relating to the payroll services
rendered by the Service Provider on behalf of such Affiliate(s). Notwithstanding
the foregoing, no Affiliate shall be liable for, nor shall indemnify the Service
Provider for, any act or failure to act by the Service Provider which is due to
the gross negligence or willful misconduct of the Service Provider.

      9. Successors and Assigns. This Agreement shall inure to the benefit of
and be binding upon each Affiliate and the Service Providers, and their
respective successors and assigns.

      10. No Waiver. No delay or failure by any party in exercising any right
under this Agreement, and no partial or single exercise of that right, shall
constitute a waiver of that or any other right.

      11. Modification. No term or provision of this Agreement may be changed,
modified, terminated or discharged, in whole or in part, except by a writing
which is dated and signed by all parties hereto. No waiver of any of the
provisions or conditions of this Agreement or of any of the rights, powers or
privileges of a party hereto shall be effective or binding unless in writing and
signed by the party claimed to have given or consented to such waiver.

      12. Inclusion of a New Affiliate. If a Service Provider or any Affiliate
acquires or organizes another corporation, then such corporation may join in and
become a party to this Agreement by executing the master copy of this Agreement
which shall be maintained at NCRIC's headquarters. It will not be necessary for
each Affiliate to re-execute the Agreement; a new Affiliate may simply execute
the existing Agreement, and such Agreement shall be binding on such new
Affiliate and the Service Providers.

      13. Applicable Law. This Agreement shall be construed in all respects in
accordance with the laws of the District of Columbia (without giving effect to
the principles of conflict of laws thereof).

      14. Entire Agreement. This Agreement contains the entire agreement and
understanding of the parties concerning the subject matter hereof and supersedes
all prior and contemporaneous agreements, arrangements and understandings
between the parties concerning such subject matter.

      15. Notice. Any notice, instrument or communication required or permitted
under this Agreement shall be deemed to have been effectively given and made if
in writing and served either by personal delivery to the party for whom it is
intended, or by being deposited, postage prepaid, registered or certified mail,
return receipt requested, in the United States mail, addressed to the party for
whom it is intended to the following addresses:

      If to an Affiliate:               1115 30th Street, N.W.
                                        Washington, DC 20007

<PAGE>

      If to a Service Provider:         1115 30th Street, N.W.
                                        Washington, DC 20007

      Either party may change such address by notice given to the other party in
the manner set forth above.

      16. Not for the Benefit of Third Parties. This Agreement and each and
every provision hereof is for the exclusive benefit of the parties to this
Agreement and not for the benefit of any third party, and under no circumstances
shall the terms hereof be deemed to make a Service Provider or any Affiliate
responsible to any third party for any damages or other liabilities to such
third party.

      17. Captions. The captions in this Agreement are for convenience only and
shall not be considered a part of, or effect the construction or interpretation
of any provision of, this Agreement.

      IN WITNESS WHEREOF, the parties hereto, by their duly authorized officers,
have executed this Agreement as of the date first set forth above.

                                        NCRIC, INC.

                                        ________________________________________
                                        President

                                        NCRIC GROUP, INC.

                                        ________________________________________
                                        President

                                        NCRIC MSO, INC.

                                        ________________________________________
                                        President

                                        COMMONWEALTH MEDICAL LIABILITY
                                          INSURANCE COMPANY

                                        ________________________________________
                                        President

<PAGE>

                                        NATIONAL CAPITAL INSURANCE
                                          BROKERAGE, LTD.

                                        ________________________________________
                                        President

                                        NCRIC INSURANCE AGENCY, INC.

                                        ________________________________________
                                        President

                                        NCRIC PHYSICIANS ORGANIZATION, INC.

                                        ________________________________________
                                        President

                                        HCI VENTURES, LLC.

                                        By: NCRIC MSO, Inc., its Managing Member

                                        ________________________________________
                                        President

                                        AMERICAN CAPTIVE CORPORATION

                                        ________________________________________
                                        President

<PAGE>

                                TABLE OF CONTENTS

1.  Engagement of NCRIC ................................................      96

2.  Term ...............................................................      96

3.  Services ...........................................................      97

4.  Personnel and Hours ................................................      97

5.  Remuneration for Services ..........................................      98

6.  Financial Records ..................................................      98

7.  Independent Contractors ............................................      98

8.  Limitation of Liability ............................................      98

9.  Successors and Assigns .............................................      99

10. No Waiver ..........................................................      99

11. Modification .......................................................      99

12. Inclusion of a New Affiliate .......................................      99

13. Applicable Law .....................................................      99

14. Entire Agreement ...................................................      99

15. Notice .............................................................      99

16. Not for the Benefit of Third Parties ...............................     100

17. Captions ...........................................................     100Exhibit 10.12

                              TAX SHARING AGREEMENT

                                  BY AND AMONG

                               NCRIC GROUP, INC.,
                                  NCRIC, INC.,
                                NCRIC MSO, INC.,
                COMMONWEALTH MEDICAL LIABILITY INSURANCE COMPANY,
                   NATIONAL CAPITAL INSURANCE BROKERAGE, LTD.,
                          NCRIC INSURANCE AGENCY, INC.,
                      NCRIC PHYSICIANS ORGANIZATION, INC.,
                               HCI VENTURES, LLC,
                  HEALTHCARE COMPLIANCE PURCHASING GROUP, LLC,
                                       AND
                          AMERICAN CAPTIVE CORPORATION

                                      103
<PAGE>

                              TAX SHARING AGREEMENT
                              ---------------------

      THIS TAX SHARING AGREEMENT (the "Agreement") is entered into as of the 1st
day of January, 2002 by and among NCRIC Group, Inc., a stock holding company
organized under the laws of the District of Columbia ("Holding Company"); and
its subsidiaries, NCRIC, Inc., a stock insurance company organized under the
laws of the District of Columbia ("Reorganized Stock Company"); NCRIC MSO, Inc.,
a corporation organized under the laws of the State of Delaware ("NCRIC MSO");
Commonwealth Medical Liability Insurance Company, a stock insurance company
organized under the laws of the Commonwealth of Virginia ("CML"); National
Capital Insurance Brokerage, Ltd., an insurance brokerage organized under the
laws of the District of Columbia ("NCIB"); NCRIC Insurance Agency, Inc., an
insurance agency organized under the laws of the District of Columbia ("NIA");
and NCRIC Physicians Organization, Inc., a physicians organization organized
under the laws of the District of Columbia ("NCRIC PO"); and HCI Ventures, LLC,
a limited liability company organized under the laws of Virginia; and HealthCare
Compliance Purchasing Group, LLC, a limited liability company organized under
the laws of the District of Columbia; and American Captive Corporation, a
corporation organized under the laws of the District of Columbia (collectively,
the "Subsidiaries"). NCRIC Group Inc. and all Subsidiaries sometimes hereinafter
are referred to as "Member Companies" and, collectively, as the "Affiliated
Group."

                                    RECITALS:

      1. Pursuant to a Plan of Reorganization dated July 24, 1998, NCRIC
reorganized (the "Reorganization") into Reorganized Stock Company with NCRIC
Group, Inc. as a stock holding company. As a result of the Reorganization, NCRIC
Group, Inc. owns directly or indirectly 100% of the issued and outstanding
capital stock of each of the Subsidiaries.

      2. The Member Companies are members of an affiliated group within the
definition of section 1504(a) of the Internal Revenue Code of 1986, as amended
(the "Code").

      3. The Affiliated Group will file a consolidated federal income tax return
for the year commencing January 1, 2002 and subsequent years.

      4. It is the intention of the Member Companies that each Member Company
should contribute its fair and equitable share to the income and similar tax
liabilities payable by the Affiliated Group.

      5. The Member Companies, by execution of this Agreement, intend to set
forth in writing the manner in which the Member Companies share in the
allocation of such taxes and to use the method described in this Agreement as
the method for (i) allocating the consolidated tax liability of the Affiliated
Group among the Member Companies; (ii) reimbursing NCRIC Group, Inc. for the
payment of such tax liability; and (iii) providing for the allocation and
payment of any tax refunds.

                                      104
<PAGE>

      NOW, THEREFORE, in consideration of the premises and the mutual covenants
contained herein, the undersigned parties hereto agree as follows:

      1. Computation of Member Shares. For each taxable period, the Member
Companies' respective shares of tax liability shall be determined as follows:

         (a) Computation of Consolidated Tax. On or before the date provided by
law for payment of any federal income or similar tax by the Affiliated Group, a
computation shall be made of the Affiliated Group's consolidated tax liability,
including alternative minimum tax. The amount so computed is hereinafter
referred to as the "Consolidated Tax."

         (b) Separate Member Tax. If a Member generates a loss for a taxable
year, or credit that cannot be utilized to reduce such Member's separate return
tax liability ("Separate Tax") in the year that the loss or credit arises, such
loss or credit shall first be utilized to the extent it results in an actual
cash reduction in the Consolidated Tax liability for the taxable year in which
the loss or credit was generated or for prior taxable years during the covered
period to which such loss or credit could be carried under the applicable
carryback provisions of the Code (the carryback years).

         (c) Allocation. The Consolidated Tax shall be apportioned among the
Member Companies, under Treasury Regulation 1.1552-1(a)(2), based upon the ratio
of each Member Company's Separate Tax to the total of the Member Companies'
Separate Taxes. Accordingly, the amount of Consolidated Tax allocable to any
Member Company will be equal to the Consolidated Tax multiplied by a fraction,
the numerator of which is the Member Company's Separate Tax and the denominator
of which is the sum of the Separate Taxes for all Member Companies.

         (d) Entitlement to Payment or Credit . Notwithstanding that one or more
Member Companies may, in a particular tax period, realize losses, credits or
other tax benefits which, on a consolidated basis, reduce the Consolidated Tax,
such Member Company or Companies shall be entitled to payment or credit
therefor.

<PAGE>

      2. Payments by Member Companies. If for any taxable period there is a
Separate Tax with reference to a Member Company, then such Member Company shall
promptly pay to NCRIC Group, Inc. an amount equal to the Member Company's share
of the Consolidated Tax, and NCRIC Group, Inc. shall promptly pay to each loss
Company the allocated tax benefit.

      3. Estimated Tax Payments. In NCRIC Group, Inc.'s discretion, the
provisions for payment of the Consolidated Tax for a taxable period shall apply
to the payment of estimated tax installments due for such taxable period. In the
event NCRIC Group, Inc. provides notice to the Subsidiaries of liability for
estimated tax payments, each Subsidiary shall pay to NCRIC Group, Inc. its share
of each estimated tax payment within thirty (30) days of receiving such notice,
but in no event later than the due date for each such estimated tax payment. Any
amounts paid by a Subsidiary
                                      105
<PAGE>

on account of a separate return or separate estimated tax payments which are
credited against the Consolidated Tax shall be included in determining the
payments due from such Subsidiary. Any overpayment of estimated tax shall be
refunded to the Subsidiary.

      4. Audit Results. If, as a result of an amended return, audit, or other
adjustment, the Consolidated Tax is adjusted or it is determined that there was
an error in the computation of any payment hereunder, the liability of each
Member Company shall be redetermined to give effect to such adjustment or the
correction of such error. An appropriate return of payment or additional payment
shall promptly be made to or by each Member Company, as the case may be, within
ninety (90) days of NCRIC Group, Inc.'s providing notice of the adjustment,
together with interest thereon in accordance with Internal Revenue Service
requirements. Such return of payment or additional payment shall be made
regardless of whether at that date NCRIC Group, Inc. and all Member Companies
are still joining in consolidated returns.

      5. Separate Use of Losses. If part or all of an unused loss or tax credit
is allocated to a Member Company pursuant to Treasury Regulation 1.1502-79, as
in effect from time to time, and is carried back or forward to a year in which
such Member Company filed a separate return or a consolidated return with
another affiliated group, any refund or reduction in tax liability arising from
the carryback or carryover shall be paid by such Member Company to NCRIC Group,
Inc. Notwithstanding the above, NCRIC Group, Inc. shall determine whether an
election shall be made not to carry back part or all of a consolidated net
operating loss for any taxable year in accordance with Code section 172(b)(3).

      6. Payments Due. Except as otherwise provided in this Agreement, all
settlements between and among Member Companies of the Affiliated Group under
this Agreement shall be made within ninety (90) days after the date of filing of
the consolidated income tax return; provided further, where a refund from the
taxing authority is due to the Affiliated Group, NCRIC Group, Inc. may defer
payment to Member Companies for ninety (90) days after receipt of such refund.
All payments to be made to Member Companies shall be made in cash, in securities
eligible as investments by insurers under the insurance laws of their
domiciliary jurisdictions, at market value, or any combination of cash or
eligible securities, or, in NCRIC Group, Inc.'s discretion, by credit against
offsetting liabilities owed by the Member Company entitled to such payment.

      7. Termination. This Agreement shall terminate if:

         (a) the undersigned parties agree in writing to such termination;

         (b) A Member Company's membership in the Affiliated Group ceases or is
terminated for any reason whatsoever; or

         (c) The Affiliated Group fails to file a consolidated return for any
taxable year when due.

                                      106
<PAGE>

      Notwithstanding the termination of this Agreement, its provisions shall
remain in effect with respect to any period of time during the tax year in which
termination occurs, for which the income of the terminating party must be
included in the consolidated return.

      8. Assignment. The respective rights and obligations of each of the
parties to this Agreement may not be assigned by any party without the prior
written consent of the other parties hereto.

      9. Binding Effect. This Agreement is binding upon and inures to the
benefit of the Member Companies and to any successor of a Member Company,
whether by merger or otherwise, to the same extent as though such successor were
an original party hereto.

      10. Arbitration. Any disputes arising out of the interpretation or
implementation of the terms and conditions of this Agreement shall be submitted
to binding arbitration in accordance with the rules then in effect of the
American Arbitration Association.

      11. Access to Materials. Notwithstanding termination of this Agreement,
and during its term, all materials, including, but not limited to, tax returns,
supporting schedules, work papers, correspondence and other documents relating
to consolidated income tax returns filed by the Affiliated Group shall be made
available to any party to this Agreement during regular business hours.

      12. Inclusion of a New Member Company. If during a consolidated return
period any Member Company acquires or organizes another corporation that is
required to be included in the consolidated return (or if any corporation which
qualifies for the Affiliated Group but is not now included in the consolidated
return elects to be included in the return), then such corporation shall join in
and become a party to this Agreement by executing the master copy of this
Agreement which shall be maintained at NCRIC Group, Inc.'s headquarters. It will
not be necessary for each Member to re-execute the Agreement; the new Members
may simply execute the existing Agreement, and such Agreement shall be binding
on the new Members and all of the then existing Members.

      13. Effective Date. This Agreement shall be effective for the first
federal income or similar tax return due for the year commencing January 1,
2002.

      14. Entire Agreement. This Agreement contains the entire agreement of the
parties relating to the subject matter hereof, and there are no agreements,
representations or warranties not contained herein.

      15. Modification. This Agreement may not be modified or amended except by
written instrument executed with the same formality as this Agreement.

                                      107

<PAGE>

      16. Prior Agreements. This Agreement supersedes all prior agreements
between NCRIC Group, Inc. and its affiliates with respect to any period to which
a federal income or similar tax return subject to this Agreement relates.

      IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed on the day and year first above written.

                                    NCRIC GROUP, INC.

                                    --------------------------------------------
                                    President

                                    NCRIC, INC.

                                    --------------------------------------------
                                    President

                                    NCRIC MSO, INC.

                                    --------------------------------------------
                                    President

                                    COMMONWEALTH MEDICAL LIABILITY
                                    INSURANCE COMPANY

                                    --------------------------------------------
                                    President

                                    NATIONAL CAPITAL INSURANCE
                                    BROKERAGE, LTD.

                                    --------------------------------------------
                                    President

                                      108

<PAGE>

                                    NCRIC INSURANCE AGENCY, INC.

                                    --------------------------------------------
                                    President

                                    NCRIC PHYSICIANS ORGANIZATION, INC.

                                    --------------------------------------------
                                    President

                                    HCI VENTURES, LLC

                                    By:     NCRIC MSO, Inc., its Managing Member

                                    --------------------------------------------
                                    President

                                    HEALTHCARE COMPLIANCE PURCHASING
                                    GROUP, LLC

                                    --------------------------------------------
                                    President

                                    AMERICAN CAPTIVE CORPORATION

                                    --------------------------------------------
                                    President

                                      109

<PAGE>

                                TABLE OF CONTENTS
                                -----------------

1.       Computation of Member Shares........................................105

2.       Payments by Member Companies........................................105

3.       Estimated Tax Payments..............................................105

4.       Audit Results.......................................................106

5.       Separate Use of Losses..............................................106

6.       Payments Due........................................................106

7.       Termination.........................................................106

8.       Assignment..........................................................107

9.       Binding Effect......................................................107

10.      Arbitration.........................................................107

11.      Access to Materials.................................................107

12.      Inclusion of a New Member Company...................................107

13.      Effective Date......................................................107

14.      Entire Agreement....................................................107

15.      Modification........................................................107

16.      Prior Agreements....................................................108

                                      110

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