Document:

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                                                                   Exhibit 10.19

                                     FORM OF
                           WELLCARE HEALTH PLANS, INC.

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                        2004 EMPLOYEE STOCK PURCHASE PLAN

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                           WELLCARE HEALTH PLANS, INC.

                        2004 EMPLOYEE STOCK PURCHASE PLAN

<TABLE>
<S>                                                                                           <C>
1.    Purpose..............................................................................    1
2.    Definitions..........................................................................    1
3.    Eligibility..........................................................................    3
                 (a)  First Offering Date..................................................    3
                 (b)  Subsequent Offering Dates............................................    3
4.    Offering Periods.....................................................................    3
                 (a)  In General...........................................................    3
                 (b)  Automatic Reset of Offering Period...................................    3
                 (c)  Changes by Committee.................................................    4
5.    Participation........................................................................    4
                 (a)  Entry Dates..........................................................    4
                 (b)  Special Rule for First Offering Date.................................    4
6.    Plan Contributions...................................................................    4
                 (a)  Contribution by Payroll Deduction....................................    4
                 (b)  Payroll Deduction Election on Enrollment Agreement...................    4
                 (c)  Commencement of Payroll Deduction....................................    4
                 (d)  Automatic Continuation of Payroll Deductions.........................    5
                 (e)  Change of Payroll Deduction Election.................................    5
                 (f)  Automatic Changes in Payroll Deduction...............................    5
                 (g)  Special Rule for First Exercise Period of Initial Offering Period....    5
7.    Grant of Option......................................................................    6
                 (a)  Shares of Common Stock Subject to Option.............................    6
                 (b)  Exercise Price.......................................................    6
                 (c)  Fair Market Value....................................................    7
                 (d)  Limitation on Option that may be Granted.............................    7
                 (e)  No Rights as Shareholder.............................................    7
8.    Exercise of Options..................................................................    7
                 (a)  Automatic Exercise...................................................    7
                 (b)  Carryover of Excess Contributions....................................    8
9.    Issuance of Shares...................................................................    8
                 (a)  Delivery of Shares...................................................    8
                 (b)  Registration of Shares...............................................    8
                 (c) Compliance with Applicble Laws........................................    8
                 (d)  Withholding..........................................................    8
10.   Participant Accounts.................................................................    8
                 (a)  Bookkeeping Accounts Maintained......................................    8
                 (b)  Participant Account Statements.......................................    8
                 (c)  Withdrawal of Account Balance Following Exercise Date................    9
11.   Designation of Beneficiary...........................................................    9
                 (a)  Designation..........................................................    9
                 (b)  Change of Designation................................................    9
</TABLE>

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<TABLE>
<S>                                                                                           <C>
12.   Transferability......................................................................    9
13.   Withdrawal; Termination of Employment................................................   10
                 (a)  Withdrawal...........................................................    9
                 (b)  Effect of Withdrawal on Subsequent Participation.....................   10
                 (c)  Termination of Employment............................................   10
14.   Common Stock Available under the Plan................................................   10
                 (a)  Number of Shares.....................................................   10
                 (b)  Adjustments Upon Changes in Capitalization; Corporate Transactions...   10
15.   Administration.......................................................................   12
                 (a)  Committee............................................................   11
                 (b)  Requirements of Exchange Act.........................................   11
16.   Amendment, Suspension, and Termination of the Plan...................................   12
                 (a)  Amendment of the Plan................................................   12
                 (b)  Suspension of the Plan...............................................   12
                 (c)  Termination of the Plan..............................................   12
17.   Notices..............................................................................   13
18.   Expenses of the Plan.................................................................   13
19.   No Employment Rights.................................................................   13
20.   Applicable Law.......................................................................   13
21.   Additional Restrictions of Rule 16b-3................................................   13
22.   Effective Date.......................................................................   13
</TABLE>

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                           WELLCARE HEALTH PLANS, INC.

                        2004 EMPLOYEE STOCK PURCHASE PLAN

      1.    Purpose. The purpose of the Plan is to provide incentive for present
and future employees of the Company and any Designated Subsidiary to acquire a
proprietary interest (or increase an existing proprietary interest) in the
Company through the purchase of Common Stock. It is the Company's intention that
the Plan qualify as an "employee stock purchase plan" under Section 423 of the
Code. Accordingly, the provisions of the Plan shall be administered, interpreted
and construed in a manner consistent with the requirements of that section of
the Code.

      2.    Definitions.

            (a)   "Applicable Percentage" means the percentage specified in
Section 7(b), subject to adjustment by the Committee as provided in Section
7(b).

            (b)   "Board" means the Board of Directors of the Company.

            (c)   "Code" means the Internal Revenue Code of 1986, as amended,
and any successor thereto.

            (d)   "Committee" means the committee appointed by the Board to
administer the Plan as described in Section 15 of the Plan or, if no such
Committee is appointed, the Board.

            (e)   "Common Stock" means the Company's common stock, par value
$0.01 per share.

            (f)   "Company" means WellCare Group, Inc., a Delaware corporation
(to be renamed WellCare Health Plans, Inc. in connection with the consummation
of the initial public offering of its Common Stock).

            (g)   "Compensation" means, with respect to each Participant for
each pay period, the full base salary and overtime paid to such Participant by
the Company or a Designated Subsidiary. Except as otherwise determined by the
Committee, "Compensation" does not include: (i) bonuses or commissions, (ii) any
amounts contributed by the Company or a Designated Subsidiary to any pension
plan, (iii) any automobile or relocation allowances (or reimbursement for any
such expenses), (iv) any amounts paid as a starting bonus or finder's fee, (v)
any amounts realized from the exercise of any stock options or incentive awards,
(vi) any amounts paid by the Company or a Designated Subsidiary for other fringe
benefits, such as health and welfare, hospitalization and group life insurance
benefits, or perquisites, or paid in lieu of such benefits, or (vii) other
similar forms of extraordinary compensation.

            (h)   "Continuous Status as an Employee" means the absence of any
interruption or termination of service as an Employee. Continuous Status as an
Employee shall

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not be considered interrupted in the case of a leave of absence agreed to in
writing by the Company or the Designated Subsidiary that employs the Employee,
provided that such leave is for a period of not more than 90 days or
reemployment upon the expiration of such leave is guaranteed by contract or
statute.

            (i)   "Designated Subsidiaries" means the Subsidiaries that have
been designated by the Board from time to time in its sole discretion as
eligible to participate in the Plan.

            (j)   "Employee" means any person, including an Officer, whose
customary employment with the Company or one of its Designated Subsidiaries is
at least twenty (20) hours per week and more than five (5) months in any
calendar year.

            (k))  "Entry Date" means the first day of each Exercise Period.

            (l)   "Exchange Act" means the Securities Exchange Act of 1934, as
amended.

            (m)   "Exercise Date" means the last Trading Day ending on or before
each June 30 and December 31.

            (n)   "Exercise Period" means, for any Offering Period, each period
commencing on the Offering Date and on the first Trading Day after each Exercise
Date, and terminating on the immediately following Exercise Date.

            (o)   "Exercise Price" means the price per share of Common Stock
offered in a given Offering Period determined as provided in Section 7(b).

            (p)   "Fair Market Value" means, with respect to a share of Common
Stock, the Fair Market Value as determined under Section 7(c).

            (q)   "First Offering Date" means the commencement date of the
initial public offering contemplated by the Registration Statement on Form S-1
filed by the Company with the Securities and Exchange Commission.

            (r)   "Offering Date" means the first Trading Day of each Offering
Period; provided, that in the case of an individual who becomes eligible to
become a Participant under Section 3(b) after the first Trading Day of an
Offering Period, the term "Offering Date" shall mean the first Trading Day of
the Exercise Period coinciding with or next succeeding the day on which that
individual becomes eligible to become a Participant. Options granted after the
first day of an Offering Period will be subject to the same terms as the options
granted on the first Trading Day of such Offering Period except that they will
have a different grant date (thus, potentially, a different exercise price) and,
because they expire at the same time as the options granted on the first Trading
Day of such Offering Period, a shorter term.

            (s)   "Offering Period" means, subject to adjustment as provided in
Section 4(b) or 4(c), (i) with respect to the first Offering Period, the period
beginning on the First Offering Date and ending on December 31, 2005, and (ii)
with respect to each Offering Period

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thereafter, the period beginning on the January 1 immediately following the end
of the previous Offering Period and ending on the December 31 which is 24 months
thereafter.

            (t)   "Officer" means a person who is an officer of the Company
within the meaning of Section 16 under the Exchange Act and the rules and
regulations promulgated thereunder.

            (u)   "Participant" means an Employee automatically enrolled in the
Plan pursuant to Section 5(b) hereof, or an Employee who has elected to
participate in the Plan by filing an enrollment agreement with the Company as
provided in Section 5(a) hereof.

            (v)   "Plan" means this WellCare Health Plans, Inc. 2004 Employee
Stock Purchase Plan.

            (w)   "Plan Contributions" means, with respect to each Participant,
the lump sum cash transfers, if any, made by the Participant to the Plan
pursuant to Section 6(a) or 6(g)(ii) hereof, plus the after-tax payroll
deductions, if any, withheld from the Compensation of the Participant and
contributed to the Plan for the Participant as provided in Section 6 hereof, and
any other amounts contributed to the Plan for the Participant in accordance with
the terms of the Plan.

            (x)   "Subsidiary" means any corporation, domestic or foreign, of
which the Company owns, directly or indirectly, 50% or more of the total
combined voting power of all classes of stock, and that otherwise qualifies as a
"subsidiary corporation" within the meaning of Section 424(f) of the Code.

            (y)   "Trading Day" means a day on which the national stock
exchanges and the Nasdaq system are open for trading.

      3.    Eligibility.

            (a)   First Offering Date. Any individual who is an Employee as of
the First Offering Date shall be eligible to become a Participant as of the
First Offering Date.

            (b)   Subsequent Offering Dates. Any individual who has completed at
least three (3) months of employment with the Company or any Subsidiary and who
is an Employee as of the Offering Date of a given Offering Period shall be
eligible to become a Participant as of any Entry Date within that Offering
Period under the Plan.

      4.    Offering Periods.

            (a)   In General. The Plan shall generally be implemented by a
series of Offering Periods. The first Offering Period shall commence on the
First Offering Date and end on December 31, 2005, and succeeding Offering
Periods shall commence on the January 1 immediately following the end of the
previous Offering Period and end on the December 31 which is 24 months
thereafter.

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            (b)   Automatic Reset of Offering Period. If, however, the Fair
Market Value of a share of Common Stock on any Exercise Date (except the final
scheduled Exercise Date of any Offering Period) is lower than the Fair Market
Value of a share of Common Stock on the Offering Date, then the Offering Period
in progress shall end immediately following the close of trading on such
Exercise Date, and a new Offering Period shall begin on the next subsequent
January 1 or July 1, as applicable, and shall extend for a 24 month period
ending on December 31 or June 30, as applicable. Subsequent Offering Periods
shall commence on the January 1 or July 1, as applicable, immediately following
the end of the previous Offering Period and shall extend for a 24 month period
ending on December 31 or June 30, as applicable.

            (c)   Changes by Committee. Additionally, the Committee shall have
the power to make other changes to the duration and/or the frequency of Offering
Periods with respect to future offerings if such change is announced at least
five (5) days prior to the scheduled beginning of the first Offering Period to
be affected. In addition, the Committee may shorten the duration of any Offering
Period then in progress by requiring that it end immediately following the close
of trading on any Exercise Date within that Offering Period, if such change is
announced at least thirty (30) days prior to the Exercise Date on which the
Committee proposes that the Offering Period terminate.

      5.    Participation.

            (a)   Entry Dates. Employees meeting the eligibility requirements of
Section 3(b) hereof after the First Offering Date may elect to participate in
the Plan commencing on any Entry Date by completing an enrollment agreement on
the form provided by the Company and filing the enrollment agreement with the
Company on or prior to such Entry Date, unless a later time for filing the
enrollment agreement is set by the Committee for all eligible Employees with
respect to a given offering.

            (b)   Special Rule for First Offering Date. All Employees who are
eligible as of the First Offering Date shall automatically become Participants
in the Plan as of the First Offering Date.

      6.    Plan Contributions.

            (a)   Contribution by Payroll Deduction. Except with respect to the
first Exercise Period of the initial Offering Period, and except as otherwise
authorized by the Committee, all contributions to the Plan shall be made only by
payroll deductions. The Committee may, but need not, permit Participants to make
after-tax contributions to the Plan at such times and subject to such terms and
conditions as the Committee may in its discretion determine. All such additional
contributions shall be made in a manner consistent with the provisions of
Section 423 of the Code or any successor thereto, and shall be treated in the
same manner as payroll deductions contributed to the Plan as provided herein.

            (b)   Payroll Deduction Election on Enrollment Agreement. At the
time a Participant files the enrollment agreement with respect to an Offering
Period, the Participant may authorize payroll deductions to be made on each
payroll date during the portion of the Offering

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Period that he or she is a Participant in an amount not less than 1% and not
more than 10% of the Participant's Compensation on each payroll date during the
portion of the Offering Period that he or she is a Participant. The amount of
payroll deductions must be a whole percentage (e.g., 1%, 2%, 3%, etc.) of the
Participant's Compensation.

            (c)   Commencement of Payroll Deductions. Except as otherwise
determined by the Committee under rules applicable to all Participants, payroll
deductions for Participants enrolling in the Plan after the First Offering Date
under Section 5(a) shall commence with the earliest administratively practicable
payroll period that begins on or after the Entry Date with respect to which the
Participant files an enrollment agreement in accordance with Section 5(a).

            (d)   Automatic Continuation of Payroll Deductions. Unless a
Participant elects otherwise prior to the last Exercise Date of an Offering
Period, including the last Exercise Date prior to termination in the case of an
Offering Period terminated under Section 4(b) or 4(c) hereof, such Participant
shall be deemed (i) to have elected to participate in the immediately succeeding
Offering Period (and, for purposes of such Offering Period the Participant's
"Entry Date" shall be deemed to be the first day of such Offering Period) and
(ii) to have authorized the same payroll deduction for the immediately
succeeding Offering Period as was in effect for the Participant immediately
prior to the commencement of the succeeding Offering Period.

            (e)   Change of Payroll Deduction Election. A Participant may
decrease or increase the rate or amount of his or her payroll deductions during
an Offering Period (within the limitations of Section 6(b) above) by completing
and filing with the Company a new enrollment agreement authorizing a change in
the rate or amount of payroll deductions; provided, that a Participant may not
change the rate or amount of his or her payroll deductions more than once in any
Exercise Period. Except as otherwise determined by the Committee under rules
applicable to all Participants, the change in rate or amount shall be effective
as of the earliest administratively practicable payroll period that begins on or
after the date the Committee receives the new enrollment agreement.
Additionally, a Participant may discontinue his or her participation in the Plan
as provided in Section 13(a).

            (f)   Automatic Changes in Payroll Deduction. Notwithstanding the
foregoing, to the extent necessary to comply with Section 423(b)(8) of the Code,
Section 7(d) hereof, or any other applicable law, a Participant's payroll
deductions may be decreased, including to 0%, at such time during any Exercise
Period which is scheduled to end during the current calendar year that the
aggregate of all payroll deductions accumulated with respect to such Exercise
Period and any other Exercise Period ending within the same calendar year are
equal to the product of $25,000 multiplied by the Applicable Percentage for the
calendar year. Payroll deductions shall recommence at the rate provided in the
Participant's enrollment agreement at the beginning of the following Exercise
Period which is scheduled to end in the following calendar year, unless the
Participant terminates participation as provided in Section 13(a).

            (g)   Special Rule for First Exercise Period of Initial Offering
Period.

                  i.    Prior to Effectiveness of Form S-8. No payroll
deductions shall be made (and no payroll deduction elections shall be accepted)
by the Company for Participants

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during the first Exercise Period of the initial Offering Period prior to the
time that a registration statement with respect to the shares of Common Stock
being offered under the Plan has been filed with the Securities Exchange
Commission on Form S-8, and is effective. Each Participant shall be eligible to
purchase shares of Common Stock on the Exercise Date of the first Exercise
Period of the initial Offering Period in an amount equal to the lesser of (A)
the aggregate purchase price for 750 shares of Common Stock or (B) ten (10%)
percent of the Compensation that the Participant receives during the first
Exercise Period of the initial Offering Period.

                  ii.   After Effectiveness of Form S-8. Once the registration
statement with respect to the shares of Common Stock being offered under the
Plan has been filed with the Securities Exchange Commission on Form S-8, and is
effective, a Participant may, but need not, make a payroll deduction election
with respect to the first Exercise Period of the initial Offering Period by
filing an enrollment agreement containing the payroll deduction election with
the Company, as provided in Section 6(b) above. A Participant may elect a lower
level of participation than that provided in Section 6(g)(i) above with respect
to the first Exercise Period of the initial Offering Period at that time, or may
withdraw from the Plan. If a payroll deduction is elected under this Section
6(g)(ii), payroll deductions may commence as early as with the first pay period
beginning after the First Offering Date. Subject to the overall participation
level specified in Section 6(g)(i), the rate of payroll deduction during the
first Exercise Period of the initial Offering Period may exceed the maximum
permitted rate under Section 6(b) hereof to make up for the payroll deductions,
if any, which would otherwise have been made prior to the effectiveness of the
Form S-8 with respect to the Plan. If a payroll deduction election is made under
this Section 6(g)(ii), payroll deductions shall continue at the rate elected by
the Participant for subsequent Exercise Periods, unless the Participant makes a
change permitted under Section 6(e), or withdraws from the Plan under Section
13(a). Alternatively, the Committee may permit purchases on the first Exercise
Date of the initial Offering Period to be made by direct lump sum cash transfer
by the Participant.

                  iii.  Subsequent Exercise Periods. For all Exercise Periods
subsequent to the first Exercise Period of the initial Offering Period,
purchases generally must be made via payroll deduction. Participants in the
first Exercise Period of the initial Offering Period who do not make a payroll
deduction election pursuant to Section 6(g)(ii) must file an enrollment
agreement containing a payroll deduction election with respect to subsequent
Exercise Periods with the Company prior to the commencement of a subsequent
Exercise Period (unless a later time for filing is set by the Committee for all
Participants) in order to make further purchases under the Plan. Payroll
deductions for Participants required to file a payroll deduction election under
this Section 6(g)(iii) shall commence, except as otherwise determined by the
Committee under rules applicable to all Participants, effective as of the
earliest administratively practicable payroll period that begins on or after the
first day of the subsequent Exercise Period. A Participant who does not timely
file an enrollment agreement shall be treated as having withdrawn under Section
13(a) hereof.

      7.    Grant of Option.

            (a)   Shares of Common Stock Subject to Option. On a Participant's
Entry Date, subject to the limitations set forth in Section 7(d) and this
Section 7(a), the Participant shall be

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granted an option to purchase on each subsequent Exercise Date during the
Offering Period in which such Entry Date occurs (at the Exercise Price
determined as provided in Section 7(b) below) up to a number of shares of Common
Stock determined by dividing such Participant's Plan Contributions accumulated
prior to such Exercise Date and retained in the Participant's account as of such
Exercise Date by the Exercise Price; provided, that the maximum number of shares
a Participant may purchase during any Exercise Period shall be 750.

            (b)   Exercise Price. The Exercise Price per share of Common Stock
offered to each Participant in a given Offering Period shall be the lower of:
(i) the Applicable Percentage of the greater of (A) the Fair Market Value of a
share of Common Stock on the Offering Date or (B) the Fair Market Value of a
share of Common Stock on the Entry Date on which the Employee elects to become a
Participant within the Offering Period or (ii) the Applicable Percentage of the
Fair Market Value of a share of Common Stock on the Exercise Date. The
Applicable Percentage with respect to each Offering Period shall be 85%, unless
and until such Applicable Percentage is increased by the Committee, in its sole
discretion, provided that any such increase in the Applicable Percentage with
respect to a given Offering Period must be established not less than fifteen
(15) days prior to the Offering Date thereof.

            (c)   Fair Market Value. The Fair Market Value of a share of Common
Stock on a given date shall be determined by the Committee in its discretion;
provided, that if there is a public market for the Common Stock, the Fair Market
Value per share shall be either (i) the closing price of the Common Stock on
such date (or, in the event that the Common Stock is not traded on such date, on
the immediately preceding trading date), as reported by the National Association
of Securities Dealers Automated Quotation (Nasdaq) National Market System, (ii)
if such price is not reported, the average of the bid and asked prices for the
Common Stock on such date (or, in the event that the Common Stock is not traded
on such date, on the immediately preceding trading date), as reported by Nasdaq,
(iii) in the event the Common Stock is listed on a stock exchange, the closing
price of the Common Stock on such exchange on such date (or, in the event that
the Common Stock is not traded on such date, on the immediately preceding
trading date), as reported in The Wall Street Journal, or (iv) if no such
quotations are available for a date within a reasonable time prior to the
valuation date, the value of the Common Stock as determined by the Committee
using any reasonable means. For purposes of the First Offering Date, the Fair
Market Value of a share of Common Stock shall be the Price to Public as set
forth in the final prospectus filed by the Company with the Securities and
Exchange Commission pursuant to Rule 424 under the Securities Act of 1933, as
amended.

            (d)   Limitation on Option that may be Granted. Notwithstanding any
provision of the Plan to the contrary, no Participant shall be granted an option
under the Plan (i) to the extent that if, immediately after the grant, such
Employee (or any other person whose stock would be attributed to such Employee
pursuant to Section 424(d) of the Code) would own stock and/or hold outstanding
options to purchase stock possessing 5% or more of the total combined voting
power or value of all classes of stock of the Company or of any Subsidiary of
the Company, or (ii) to the extent that his or her rights to purchase stock
under all employee stock purchase plans of the Company and its Subsidiaries
intended to qualify under Section 423 of the Code accrue at a rate which exceeds
$25,000 of fair market value of stock (determined at

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the time such option is granted) for each calendar year in which such option is
outstanding at any time.

            (e)   No Rights as Shareholder. A Participant will have no interest
or voting right in shares covered by his option until such option has been
exercised.

      8.    Exercise of Options.

            (a)   Automatic Exercise. A Participant's option for the purchase of
shares will be exercised automatically on each Exercise Date, and the maximum
number of full shares subject to the option shall be purchased for the
Participant at the applicable Exercise Price with the accumulated Plan
Contributions then credited to the Participant's account under the Plan. During
a Participant's lifetime, a Participant's option to purchase shares hereunder is
exercisable only by the Participant.

            (b)   Carryover of Excess Contributions. Any amount remaining to the
credit of a Participant's account after the purchase of shares by the
Participant on an Exercise Date, or which is insufficient to purchase a full
share of Common Stock, shall remain in the Participant's account, and be carried
over to the next Exercise Period, unless the Participant withdraws from
participation in the Plan or elects to withdraw his or her account balance in
accordance with Section 10(c).

      9.    Issuance of Shares.

            (a)   Delivery of Shares. As promptly as practicable after each
Exercise Date, the Company shall arrange for the delivery to each Participant
(or the Participant's beneficiary), as appropriate, or to a custodial account
for the benefit of each Participant (or the Participant's beneficiary) as
appropriate, of a certificate representing the shares purchased upon exercise of
the Participant's option.

            (b)   Registration of Shares. Shares to be delivered to a
Participant under the Plan will be registered in the name of the Participant or
in the name of the Participant and his or her spouse, as requested by the
Participant.

            (c)   Compliance with Applicable Laws. The Plan, the grant and
exercise of options to purchase shares under the Plan, and the Company's
obligation to sell and deliver shares upon the exercise of options to purchase
shares shall be subject to compliance with all applicable federal, state and
foreign laws, rules and regulations and the requirements of any stock exchange
on which the shares may then be listed.

            (d)   Withholding. The Company may make such provisions as it deems
appropriate for withholding by the Company pursuant to federal or state tax laws
of such amounts as the Company determines it is required to withhold in
connection with the purchase or sale by a Participant of any Common Stock
acquired pursuant to the Plan. The Company may require a Participant to satisfy
any relevant tax requirements before authorizing any issuance of Common Stock to
such Participant.

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      10.   Participant Accounts.

            (a)   Bookkeeping Accounts Maintained. Individual bookkeeping
accounts will be maintained for each Participant in the Plan to account for the
balance of his Plan Contributions, options issued, and shares purchased under
the Plan. However, all Plan Contributions made for a Participant shall be
deposited in the Company's general corporate accounts, and no interest shall
accrue or be credited with respect to a Participant's Plan Contributions. All
Plan Contributions received or held by the Company may be used by the Company
for any corporate purpose, and the Company shall not be obligated to segregate
or otherwise set apart such Plan Contributions from any other corporate funds.

            (b)   Participant Account Statements. Statements of account will be
given to Participants semi-annually in due course following each Exercise Date,
which statements will set forth the amounts of payroll deductions, the per share
purchase price, the number of shares purchased and the remaining cash balance,
if any.

            (c)   Withdrawal of Account Balance Following Exercise Date. A
Participant may elect at any time within the first thirty (30) days following
any Exercise Period, or at such other time as the Committee may from time to
time prescribe, to receive in cash any amounts carried-over in accordance with
Section 8(b). An election under this Section 10(c) shall not be treated as a
withdrawal from participation in the Plan under Section 13(a).

      11.   Designation of Beneficiary.

            (a)   Designation. A Participant may file a written designation of a
beneficiary who is to receive any shares and cash, if any, from the
Participant's account under the Plan in the event of the Participant's death
subsequent to an Exercise Date on which the Participant's option hereunder is
exercised but prior to delivery to the Participant of such shares and cash. In
addition, a Participant may file a written designation of a beneficiary who is
to receive any cash from the Participant's account under the Plan in the event
of the Participant's death prior to the exercise of the option.

            (b)   Change of Designation. A Participant's beneficiary designation
may be changed by the Participant at any time by written notice. In the event of
the death of a Participant and in the absence of a beneficiary validly
designated under the Plan who is living at the time of such Participant's death,
the Company shall deliver such shares and/or cash to the executor or
administrator of the estate of the Participant, or if no such executor or
administrator has been appointed (to the knowledge of the Company), the Company,
in its discretion, may deliver such shares and/or cash to the spouse or to any
one or more dependents or relatives of the Participant, or if no spouse,
dependent or relative is known to the Company, then to such other person as the
Company may designate.

      12.   Transferability. Neither Plan Contributions credited to a
Participant's account nor any rights to exercise any option or receive shares of
Common Stock under the Plan may be assigned, transferred, pledged or otherwise
disposed of in any way (other than by will or the laws of descent and
distribution, or as provided in Section 11). Any attempted assignment, transfer,

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pledge or other distribution shall be without effect, except that the Company
may treat such act as an election to withdraw in accordance with Section 13(a).

      13.   Withdrawal; Termination of Employment.

            (a)   Withdrawal. A Participant may withdraw from the Plan at any
time after the Company's registration statement on Form S-8 with respect to the
Plan is effective by giving written notice to the Company. Payroll deductions,
if any have been authorized, shall cease as soon as administratively practicable
after receipt of the Participant's notice of withdrawal, and, subject to
administrative practicability, no further purchases shall be made for the
Participant's account. All Plan Contributions credited to the Participant's
account, if any, and not yet invested in Common Stock, will be paid to the
Participant as soon as administratively practicable after receipt of the
Participant's notice of withdrawal. The Participant's unexercised options to
purchase shares pursuant to the Plan automatically will be terminated. Payroll
deductions will not resume on behalf of a Participant who has withdrawn from the
Plan (a "Former Participant") unless the Former Participant enrolls in a
subsequent Offering Period in accordance with Section 5(a) and subject to the
restriction provided in Section 13(b), below.

            (b)   Effect of Withdrawal on Subsequent Participation. A Former
Participant who has withdrawn from the Plan pursuant to this Section 13(b) shall
not again be eligible to participate in the Plan prior to the beginning of the
Offering Period that commences at least 12 months from the date the Former
Participant withdrew, and the Former Participant must submit a new enrollment
agreement in order to again become a Participant as of that date.

            (c)   Termination of Employment. Upon termination of a Participant's
Continuous Status as an Employee prior to any Exercise Date for any reason,
including retirement or death, the Plan Contributions credited to the
Participant's account and not yet invested in Common Stock will be returned to
the Participant or, in the case of death, to the Participant's beneficiary as
determined pursuant to Section 11, and the Participant's option to purchase
shares under the Plan will automatically terminate.

      14.   Common Stock Available under the Plan.

            (a)   Number of Shares. Subject to adjustment as provided in Section
14(b) below, the maximum number of shares of the Company's Common Stock that
shall be made available for sale under the Plan shall be _______ shares, plus an
automatic annual increase on the first day of each of the Company's fiscal years
beginning in 2005 and ending in 2014 equal to the lesser of (i) 400,000 shares,
(ii) 1% of all shares of Common Stock outstanding on the last day of the
immediately preceding fiscal year, or (iii) a lesser amount determined by the
Board. Shares of Common Stock subject to the Plan may be newly issued shares or
shares reacquired in private transactions or open market purchases. If and to
the extent that any right to purchase reserved shares shall not be exercised by
any Participant for any reason or if such right to purchase shall terminate as
provided herein, shares that have not been so purchased hereunder shall again
become available for the purpose of the Plan unless the Plan shall have been
terminated, but all shares sold under the Plan, regardless of source, shall be
counted against the limitation set forth above.

                                       10

<PAGE>

            (b)   Adjustments Upon Changes in Capitalization; Corporate
Transactions.

                  i.    If the outstanding shares of Common Stock are increased
or decreased, or are changed into or are exchanged for a different number or
kind of shares, as a result of one or more reorganizations, restructurings,
recapitalizations, reclassifications, stock splits, reverse stock splits, stock
dividends or the like, upon authorization of the Committee, appropriate
adjustments shall be made in the number and/or kind of shares, and the per-share
option price thereof, which may be issued in the aggregate and to any
Participant upon exercise of options granted under the Plan.

                  ii.   In the event of the proposed dissolution or liquidation
of the Company, the Offering Period will terminate immediately prior to the
consummation of such proposed action, unless otherwise provided by the
Committee.

                  iii.  In the event of a proposed sale of all or substantially
all of the Company's assets, or the merger of the Company with or into another
corporation (each, a "Sale Transaction"), each option under the Plan shall be
assumed or an equivalent option shall be substituted by such successor
corporation or a parent or subsidiary of such successor corporation, unless the
Committee determines, in the exercise of its sole discretion and in lieu of such
assumption or substitution, to shorten the Exercise Period then in progress by
setting a new Exercise Date (the "New Exercise Date"). If the Committee shortens
the Exercise Period then in progress in lieu of assumption or substitution in
the event of a Sale Transaction, the Committee shall notify each Participant in
writing, at least ten (10) days prior to the New Exercise Date, that the
exercise date for such Participant's option has been changed to the New Exercise
Date and that such Participant's option will be exercised automatically on the
New Exercise Date, unless prior to such date the Participant has withdrawn from
the Plan as provided in Section 13(a). For purposes of this Section 14(b), an
option granted under the Plan shall be deemed to have been assumed if, following
the Sale Transaction, the option confers the right to purchase, for each share
of option stock subject to the option immediately prior to the Sale Transaction,
the consideration (whether stock, cash or other securities or property) received
in the Sale Transaction by holders of Common Stock for each share of Common
Stock held on the effective date of the Sale Transaction (and if such holders
were offered a choice of consideration, the type of consideration chosen by the
holders of a majority of the outstanding shares of Common Stock); provided, that
if the consideration received in the Sale Transaction was not solely common
stock of the successor corporation or its parent (as defined in Section 424(e)
of the Code), the Committee may, with the consent of the successor corporation
and the Participant, provide for the consideration to be received upon exercise
of the option to be solely common stock of the successor corporation or its
parent equal in fair market value to the per share consideration received by the
holders of Common Stock in the Sale Transaction.

                  iv.   In all cases, the Committee shall have sole discretion
to exercise any of the powers and authority provided under this Section 14, and
the Committee's actions hereunder shall be final and binding on all
Participants. No fractional shares of stock shall be issued under the Plan
pursuant to any adjustment authorized under the provisions of this Section 14.

                                       11

<PAGE>

      15.   Administration.

            (a)   Committee. The Plan shall be administered by the Committee.
The Committee shall have the authority to interpret the Plan, to prescribe,
amend and rescind rules and regulations relating to the Plan, and to make all
other determinations necessary or advisable for the administration of the Plan.
The administration, interpretation, or application of the Plan by the Committee
shall be final, conclusive and binding upon all persons.

            (b)   Requirements of Exchange Act. Notwithstanding the provisions
of Section 15(a) above, in the event that Rule 16b-3 promulgated under the
Exchange Act or any successor provision thereto ("Rule 16b-3") provides specific
requirements for the administrators of plans of this type, the Plan shall only
be administered by such body and in such a manner as shall comply with the
applicable requirements of Rule 16b-3. Unless permitted by Rule 16b-3, no
discretion concerning decisions regarding the Plan shall be afforded to any
person that is not "disinterested" as that term is used in Rule 16b-3.

      16.   Amendment, Suspension, and Termination of the Plan.

            (a)   Amendment of the Plan. The Board or the Committee may at any
time, or from time to time, amend the Plan in any respect; provided, that (i)
except as otherwise provided in Section 4(c) hereof, no such amendment may make
any change in any option theretofore granted which adversely affects the rights
of any Participant and (ii) the Plan may not be amended in any way that will
cause rights issued under the Plan to fail to meet the requirements for employee
stock purchase plans as defined in Section 423 of the Code or any successor
thereto. To the extent necessary to comply with Rule 16b-3 under the Exchange
Act, Section 423 of the Code, or any other applicable law or regulation), the
Company shall obtain shareholder approval of any such amendment.

            (b)   Suspension of the Plan. The Board or the Committee may, as of
the close of any Exercise Date, suspend the Plan; provided, that the Board or
Committee provides notice to the Participants at least five (5) business days
prior to the suspension. The Board or Committee may resume the normal operation
of the Plan as of any Exercise Date; provided further, that the Board or
Committee provides notice to the Participants at least twenty (20) business days
prior to the date of termination of the suspension period. A Participant shall
remain a Participant in the Plan during any suspension period (unless he or she
withdraws pursuant to Section 13(a)), however no options shall be granted or
exercised, and no payroll deductions shall be made in respect of any Participant
during the suspension period. Participants shall have the right to withdraw
carryover funds provided in Section 10(c) throughout any suspension period. The
Plan shall resume its normal operation upon termination of a suspension period.

            (c)   Termination of the Plan. The Plan and all rights of Employees
hereunder shall terminate on the earliest of:

                                       12

<PAGE>

                  i.    the Exercise Date that Participants become entitled to
purchase a number of shares greater than the number of reserved shares remaining
available for purchase under the Plan;

                  ii.   such date as is determined by the Board in its
discretion; or

                  iii.  the last Exercise Date immediately preceding the tenth
(10th) anniversary of the Plan's effective date.

      In the event that the Plan terminates under circumstances described in
Section 16(c)(i) above, reserved shares remaining as of the termination date
shall be sold to Participants on a pro rata basis, based on the relative value
of their cash account balances in the Plan as of the termination date.

      17.   Notices. All notices or other communications by a Participant to the
Company under or in connection with the Plan shall be deemed to have been duly
given when received in the form specified by the Company at the location, or by
the person, designated by the Company for the receipt thereof.

      18.   Expenses of the Plan. All costs and expenses incurred in
administering the Plan shall be paid by the Company, except that any stamp
duties or transfer taxes applicable to participation in the Plan may be charged
to the account of such Participant by the Company.

      19.   No Employment Rights. The Plan does not, directly or indirectly,
create any right for the benefit of any employee or class of employees to
purchase any shares under the Plan, or create in any employee or class of
employees any right with respect to continuation of employment by the Company or
any Subsidiary, and it shall not be deemed to interfere in any way with the
right of the Company or any Subsidiary to terminate, or otherwise modify, an
employee's employment at any time.

      20.   Applicable Law. The internal laws of the State of Delaware shall
govern all matters relating to this Plan except to the extent (if any)
superseded by the laws of the United States.

      21.   Additional Restrictions of Rule 16b-3. The terms and conditions of
options granted hereunder to, and the purchase of shares by, persons subject to
Section 16 of the Exchange Act shall comply with the applicable provisions of
Rule 16b-3. This Plan shall be deemed to contain, and such options shall
contain, and the shares issued upon exercise thereof shall be subject to, such
additional conditions and restrictions as may be required by Rule 16b-3 to
qualify for the maximum exemption from Section 16 of the Exchange Act with
respect to Plan transactions.

      22.   Effective Date. Subject to adoption of the Plan by the Board, the
Plan shall become effective on the First Offering Date. The Board shall submit
the Plan to the shareholders of the Company for approval within twelve months
after the date the Plan is adopted by the Board.

                                       13<PAGE>

                                                                   EXHIBIT 10.20

                    AMENDED AND RESTATED EMPLOYMENT AGREEMENT

            THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this "Agreement") is
dated as of June 28, 2004 among WellCare Group, Inc. a Delaware corporation
("WellCare"), Comprehensive Health Management, Inc., a Florida corporation that
is, as of the date hereof, under common control with WellCare (the "Company"),
and Todd S. Farha (the "Executive").

            WHEREAS, the Executive, the Company and WellCare Health Plans, Inc.,
a Delaware corporation formerly known as WellCare Acquisition Company, are
parties to that certain Employment Agreement, dated as of July 31, 2002 (the
"Original Employment Agreement"); and

            WHEREAS, the parties hereto wish to amend and restate the Original
Employment Agreement as set forth herein.

            NOW, THEREFORE, in consideration of the mutual covenants and
representations contained herein, and intending to be legally bound, the parties
hereto agree as follows:

            1.    Term.

            The Company will employ the Executive, and the Executive will serve
the Company, under the terms of this Agreement for an initial term (the "Term")
of three years, commencing on July 31, 2002 (the "Effective Date"). Effective as
of the expiration of such initial three-year Term and as of each third
anniversary date thereof, the Term shall be extended for an additional
three-year period unless, not later than three months prior to such respective
date, either party hereto shall have given notice to the other that the Term
shall not be so extended (a "Notice of Non-Renewal"). Notwithstanding the
foregoing, the Executive's employment by the Company may be terminated prior to
the completion of the then Term, as provided in Section 4 hereof. The period
beginning on the Effective Date and ending on the first to occur of (i) the last
day of the Term and (ii) the date the Executive ceases to be a full-time
employee of the Company for any reason shall be referred to herein as the
"Employment Period." In the event a Notice of Non-Renewal is delivered by either
party as provided above, then, as of the end of the Term, unless the Executive
is no longer an employee of the Company as of such time, the Executive shall
become an at-will employee of the Company.

            2.    Employment.

                  (a)   Positions and Reporting. The Company hereby employs the
Executive for the Employment Period as its Chief Executive Officer on the terms
and conditions set forth in this Agreement. During the Employment Period, (i)
the Executive shall also be Chief Executive Officer of WellCare and (ii) so long
as Holdings owns all of WellCare's issued and outstanding shares of common
stock, the Executive shall also be Chief Executive Officer of WellCare Holdings,
LLC, which as of the date hereof is the parent entity of WellCare ("Holdings").
During the Employment Period, the Executive shall report directly to and shall
be subject to the authority of the Board of Directors of Holdings, or, if
Holdings ceases to own all of

<PAGE>

WellCare's issued and outstanding shares of common stock, then to the Board of
Directors of WellCare (in either case, the "Board").

                  (b)   Authority and Duties.

                        (i)   The Executive shall exercise such authority,
perform such executive duties and functions and discharge such responsibilities
as are reasonably associated with and required by the Executive's position as
Chief Executive Officer of WellCare and the Company, commensurate with the
authority vested in the Executive pursuant to this Agreement and consistent with
the By-Laws of WellCare and the Company. During the Employment Period, the
Executive shall devote his full business time, skill and efforts to the business
and affairs of Holdings, WellCare and their respective subsidiaries (including
the Company) whether currently existing or hereafter acquired or formed
(collectively, the "WellCare Companies"). Executive shall perform his duties and
responsibilities to the best of his abilities in a diligent, trustworthy,
businesslike and efficient manner. Notwithstanding the foregoing, subject to
Section 8 hereof, the Executive may (i) make and manage personal passive
business investments of his choice and serve in any director or similar type
capacity with up to three civic, educational or charitable organizations, or any
trade association, without seeking or obtaining approval by the Board; (ii)
continue his ownership of (but not the management of) Northeast Mobile Systems
LLC ("NMS") and Medical Technology Management, LLC ("MTM"), provided such
activities described in (i) and (ii) above do not materially interfere or
conflict with the performance of his duties hereunder, and (iii) with the
approval of the Board, serve on the boards of directors of other corporations.
The Executive hereby agrees that he shall not use any WellCare Company, any
business relationship of any WellCare Company, or his position with any WellCare
Company for the benefit of NMS or MTM.

                        (ii)  The Executive shall serve as a member of the Board
during the Employment Period.

                  (c)   Place of Performance. The Executive's primary work
locations during the Employment Period shall be the Company's principal service
areas of the state of Connecticut and the metropolitan areas of Tampa, Florida
and New York City, New York; provided, however, that the Executive shall be
expected to undertake other reasonable travel on WellCare Companies' business.

            3.    Compensation and Benefits.

                  (a)   Salary. During the Employment Period, the Company shall
pay to the Executive, as compensation for the performance of his duties and
obligations under this Agreement, a base salary at the rate of $300,000 per
annum, payable in arrears not less frequently than monthly in accordance with
the normal payroll practices of the Company (the "Base Salary"). Such Base
Salary shall be subject to review each calendar year for possible increase by
the Board in its sole discretion, but shall in no event be decreased from its
then-existing level during the Employment Period.

                  (b)   Annual Bonus. The Executive shall earn bonus amounts for
each fiscal year of the WellCare Companies (or part thereof) during the
Employment Period, payable

                                        2
<PAGE>

in the form of cash, to be paid to the Executive within 10 days after the Board
has received and approved the WellCare Companies' audited financial statements
for such fiscal year. The determination of the bonus amount for any such fiscal
year (or part thereof) shall be based upon the satisfaction of performance
criteria for such fiscal year that will be established by the compensation
committee of the Board (the "Compensation Committee") (or the full Board, if no
such committee shall exist) in its discretion and upon consultation with the
Executive by no later than 30 days after the Board has approved the WellCare
Companies' budget for such fiscal year. Such performance criteria will include
corporate performance goals consistent with the WellCare Companies' business
plan and budget for such fiscal year, as well as individual objectives for the
Executive's performance that are separate from, but are consistent with, such
WellCare Companies' business plan and budget. The final determinations as to the
actual corporate and individual performance against the pre-established goals
and objectives, and the amounts of the bonus payout in relationship to such
performance, shall be made by the Compensation Committee (or Board, as
applicable) in its sole discretion.

                  (c)   Insurance Policies. The Company shall purchase, for up
to an annual premium amount of $5,000 and maintain in force during the
Employment Period, life and disability insurance on the Executive, the
beneficiary of which shall be designated by the Executive (the "Executive
Policies"). In the event that the Company cancels the Executive Policies
(whether or not in breach of this Agreement), the Executive shall have the
option to continue them in force at his own expense. Subject to insurability,
the Executive Policies shall be assigned to the Executive upon the termination
of Executive's employment with the Company. The Company (or any of the other
WellCare Companies) may also purchase "key-person" life insurance policies on
the Executive's life in such amounts and of such types as are determined by the
Board. The Executive shall cooperate fully with the Company in obtaining such
insurance and shall submit to such physical examinations and provide such
information as is reasonably required to obtain and maintain such policies.
Neither the Executive nor his successor-in-interest or estate shall have any
interest in any such key-person life insurance policies so obtained.

                  (d)   Other Benefits. During the Employment Period, the
Executive shall receive such other pension, health insurance, holiday, vacation
and sick pay benefits and other employee benefits (including participation in
any deferred compensation or other incentive plans) which the Company extends,
as a matter of policy, to its executive employees. Without limiting the
generality of the foregoing, the Executive shall be entitled to four weeks
vacation during each full calendar year of the Employment Period (which vacation
benefits shall be appropriately pro rated for any partial calendar year during
the Employment Period), which vacation shall be scheduled in the Executive's
discretion, subject to and taking into account the business exigencies of
WellCare Companies

                  (e)   Business Expenses. The Company shall promptly reimburse
the Executive for all documented reasonable business and travel expenses
incurred by the Executive in the performance of his duties hereunder in
accordance with the Company's standard policies and practices.

                  (f)   Travel Expenses; Housing and Automobile Allowance.
Without limiting the generality of Section 3(e), the Company shall reimburse the
Executive for all

                                        3
<PAGE>

reasonable expenses incurred by him in connection with his travel during the
Employment Period between the Company's principal service areas of Florida and
New York. In addition, during the Employment Period, the Company shall pay
directly up to $4,000 per month of the cost of Executive's living expenses in
New York, New York.

            4.    Termination of Employment Prior to the Expiration of the Term.

            Executive's employment with the Company may be terminated prior to
the expiration of the Term in any of the following ways:

                  (a)   Termination Upon Death or Disability. The Employment
Period shall end upon the death of the Executive. In the event of the Disability
(as hereinafter defined) of the Executive during the Term, the Company shall
have the right to terminate the Executive's employment with the Company by
giving 30-days' advance written notice to that effect to the Executive. For
purposes of this Agreement, the term "Disability" means any physical or mental
disability or incapacity that can be expected to result in death or that has
rendered the Executive unable to effectively carry out his duties and
obligations to the WellCare Companies or unable to effectively and actively
participate in the management of the WellCare Companies for a period of 90
consecutive days or for shorter periods aggregating to 120 days (whether or not
consecutive) during any consecutive 12 months of the Employment Period.

                  (b)   Termination for Cause. Prior to the expiration of the
Term, the Company may terminate the Executive's employment with the Company for
Cause (as hereinafter defined). For purposes of this Agreement and subject to
the Executive's opportunity to cure as provided in Section 4(e) hereof, the
Company shall have "Cause" to terminate the Executive's employment hereunder if
the Executive shall commit any of the following:

                        (i)   any act or omission, other than as a result of the
Executive's Disability, which shall represent a breach in any material respect
of any of the terms of this Agreement;

                        (ii)  bad faith in the performance of the Executive's
duties, consisting of willful acts or omissions, other than as a result of the
Executive's Disability, to the material detriment of any WellCare Company; or

                        (iii) any conviction or pleading of guilty to a crime
that constitutes a felony or that involves financial misconduct under the laws
of the United States or any political subdivision thereof;

provided, however, that any purported termination by the Company of the
Executive's employment hereunder for Cause shall only be effective upon the
affirmative vote of directors constituting at least two-thirds of the then
aggregate number of votes of the current members of the full Board, after a duly
constituted meeting of the Board held to consider such matter, with reasonable
advance notice to the Executive that such Board meeting is to occur, and with an
opportunity provided to the Executive to be represented at such Board meeting
with counsel.

                  (c)   Without Cause. Prior to the expiration of the Term, the
Company, effective upon the date specified in the notice of such termination,
may terminate the Executive's

                                        4
<PAGE>

employment with the Company for any reason whatsoever. Prior to the expiration
of the Term, the termination by the Company of the Executive's employment with
the Company for any reason other than Cause, Disability or death shall
constitute a termination "Without Cause" hereunder.

                  (d)   Termination for Good Reason. The Executive shall have
the right at any time to terminate the Executive's employment with the Company
for any reason. Prior to the expiration of the Term, the termination by the
Executive of the Executive's employment with the Company for any reason other
than for Good Reason (as hereinafter defined) or death shall constitute a
"Voluntary Resignation by Executive" hereunder. For purposes of this Agreement
and subject to the Company's opportunity to cure as provided in Section 4(e)
hereof, the Executive shall have "Good Reason" to terminate employment hereunder
if such termination shall be the result of:

                        (i)   a material diminution during the Employment Period
in the Executive's authority, duties or responsibilities as set forth in Section
2 hereof;

                        (ii)  the removal of the Executive from the Board, other
than pursuant to his removal from the Board for cause pursuant to a vote of the
equityholders of Holdings or WellCare, as the case may be, or due to Executive's
resignation from the Board;

                        (iii) a breach by the Company of any of the compensation
and benefits provisions set forth in Section 3 hereof;

                        (iv)  a material breach by the Company of any material
terms of this Agreement;

                        (v)   a change in the Executive's office location to a
point more than 50 miles from the Executive's offices in Tampa, Florida or New
York, New York.

                  (e)   Notice and Opportunity to Cure. Notwithstanding the
foregoing, prior to the expiration of the Term, it shall be a condition
precedent to the Company's right to terminate the Executive's employment for
Cause and the Executive's right to terminate employment for Good Reason that (i)
the party seeking the termination shall first have given the other party written
notice stating with specificity the reason for the termination ("breach") and
(ii) if such breach is susceptible of cure or remedy, a period of 30 days from
and after the giving of such notice shall have elapsed without the breaching
party having substantially cured or remedied such breach during such 30-day
period, unless such breach cannot be cured or remedied within 30 days, in which
case the period for remedy or cure shall be extended for a reasonable time (not
to exceed an additional 30 days) provided the breaching party has made and
continues to make a diligent effort to effect such remedy or cure.

            5.    Consequences of Termination of Employment Prior to the
Expiration of the Term.

                  (a)   Termination Without Cause or for Good Reason. In the
event of the termination of the Executive's employment with the Company, either
by the Company Without Cause or by the Executive for Good Reason, in each case,
prior to the expiration of the

                                        5
<PAGE>

Term, (i) the Company shall continue to pay the Executive his Base Salary for
twelve months following the effective date of such termination, (ii) on the date
twelve months after the effective date of such termination, the Company shall
pay the Executive an amount equal to Executive's target bonus (as determined by
the Compensation Committee of the Company's Board of Directors) for the
Company's fiscal year in which such termination occurs and (iii) the Company
shall continue for 12 months (the "Separation Period"), at the Company's
expense, coverage for the Executive (and his beneficiaries) under the group
medical care, disability and life insurance benefit plans or arrangements in
which he is participating at the time of termination, including, without
limitation, the Executive Polices; provided, however, that if such coverage is
precluded by the terms of the Company's benefit or insurance policies, the
Company shall make a cash payment to the Executive in an amount sufficient to
allow the Executive to obtain comparable benefits for such period; and provided,
further, that the Company's obligation to provide such coverage shall be
terminated if the Executive obtains equivalent substitute coverage from another
employer at any time during the Separation Period.

                  (b)   Termination Upon Disability. In the event of the
termination of the Executive's employment hereunder by the Company on account of
Disability prior to the expiration of the Term, (i) the Company shall continue
to pay the Executive his Base Salary for the shorter of (x) three months
following the effective date of such termination and (y) the then remainder of
the Term and (ii) the Company shall continue for three months, at the Company's
expense, coverage for the Executive (and his beneficiaries) under the group
medical care, disability and life insurance benefit plans or arrangements in
which he is participating at the time of termination, including, without
limitation, the Executive Polices; provided, however, that if such coverage is
precluded by the terms of the Company's benefit or insurance policies, the
Company shall make a cash payment to the Executive in an amount sufficient to
allow the Executive to obtain comparable benefits for such period; and provided,
further, that the Company's obligation to provide such coverage shall be
terminated if the Executive obtains equivalent substitute coverage from another
employer at any time during such continuation period.

                  (c)   Termination Upon Death. In the event of termination of
the Executive's employment with the Company prior to the expiration of the Term
on account of the Executive's death, the Company shall pay to the Executive's
heirs, estate or personal representatives under law, as applicable, a lump sum
cash payment equal to 3 months of the Executive's Base Salary. The Executive's
beneficiary or estate shall not be required to remit to the Company any payments
received pursuant to any Executive Policies.

                  (d)   Voluntary Resignation by Executive or Termination With
Cause. In the event of the termination of the Executive's employment hereunder
by the Company for Cause or by Voluntary Resignation by Executive, in each case,
prior to the expiration of the Term, the Company shall have no responsibility or
obligation to make any payments or provided any benefits to the Executive except
to the extent provided in Section 5(e) hereof.

                  (e)   Accrued Rights. Notwithstanding the foregoing provisions
of this Section 5, in the event of termination of the Executive's employment
with the Company for any reason, the Company shall pay to or on behalf of the
Executive all unpaid Base Salary accrued through the effective date of
termination and a lump sum cash payment for all unused vacation

                                        6
<PAGE>

accrued by the Executive through the effective date of termination, and the
Company shall provide to or on behalf of the Executive all payments and other
benefits accrued for the Executive through the effective date of termination
under all equity arrangements, benefit plans, programs and arrangements in which
the Executive participated during the Employment Period.

                  (f)   No Other Payment Obligations. Except as expressly
provided in Sections 5(a) through 5(e) above or as required by law, upon the
date the Executive ceases to be employed by the Company (i) all of Executive's
rights to salary, bonus and benefits hereunder shall cease and (ii) no other
severance or other compensation, or benefits shall be payable by any of the
WellCare Companies to Executive.

            5A.   Change in Control.

            Notwithstanding anything to the contrary in this Agreement, if a
"Change in Control" (as defined below) occurs during the term of this Agreement,
and if within two years following such Change in Control either (1) the Company
terminates Executive's employment Without Cause or (2) Executive terminates his
employment for Good Reason, such termination shall be treated as a termination
Without Cause or for Good Reason in accordance with Section 5(a) hereof, except
that the Company shall continue to pay the Executive his Base Salary for 24
months following the effective date of such termination.

            For purposes of this Agreement, the term "Change of Control" means:

            (i)   The acquisition by any "person" or "group" (as defined in or
pursuant to Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as
amended (the "Exchange Act")) (other than (A) Holdings, WellCare or any
subsidiary thereof, (B) any employee benefit plan of Holdings, WellCare or any
subsidiary thereof, or (C) Soros Private Equity Investors LP and/or its
affiliates), directly or indirectly, as "beneficial owner" (as defined in Rule
13d-3 under the Exchange Act) of securities of WellCare or Holdings representing
more than fifty percent (50%) of either the then outstanding shares or the
combined voting power of the then outstanding securities of such entity;

            (ii)  Either a majority of the directors of WellCare elected at
WellCare's annual stockholders meeting shall have been nominated for election
other than by or at the direction of the "incumbent directors" of WellCare, or
the "incumbent directors" shall cease to constitute a majority of the directors
of WellCare. The term "incumbent director" shall mean any director who was a
director of WellCare on the date hereof and any individual who becomes a
director of WellCare subsequent to the date hereof and who is elected or
nominated by or at the direction of at least two-thirds (2/3) of the then
incumbent directors;

            (iii) The stockholders of WellCare or Holdings approve (A) a merger,
consolidation or other business combination of such entity with any other
"person" or "group" (as defined in or pursuant to Sections 13(d) and 14(d) of
the Exchange Act) or affiliate thereof, other than (1) a merger of Holdings with
and into WellCare or (2) a merger or consolidation that would result in the
outstanding common stock of WellCare or Holdings, as applicable, immediately
prior thereto continuing to represent (either by remaining outstanding or by
being converted into common stock of the surviving entity or a parent or
affiliate thereof) more than

                                        7
<PAGE>

fifty percent (50%) of the outstanding common stock of WellCare or Holdings, as
applicable, or such surviving entity or a parent or affiliate thereof
outstanding immediately after such merger, consolidation or other business
combination, or (B) a plan of complete liquidation of WellCare or Holdings or an
agreement for the sale or disposition by WellCare or Holdings of all or
substantially all of such entity's assets (including if accomplished pursuant to
the sale of shares of equity securities (including by any consolidation, merger
or reorganization) of one or more subsidiaries of WellCare or Holdings which
collectively constitute all or substantially all of such entity's assets), other
than a merger of Holdings with and into WellCare; or

            (iv)  Any other event or circumstance which is not covered by the
foregoing subsections but which the Board determines to affect control of
WellCare or Holdings and with respect to which the Board of Directors adopts a
resolution that the event or circumstance constitutes a Change of Control for
purposes of this Agreement.

            5B.   Parachute Payments.

                  (a)   In the event that any payment or benefit received or to
be received by the Executive pursuant to the terms of this Agreement (the
"Payments") would be subject to the excise tax imposed by Section 4999 of the
Code (the "Excise Tax"), the Company shall pay to the Executive an additional
amount (the "Gross-Up Payment") such that the net amount of Payments retained by
the Executive shall be equal the amount the Executive would have retained if
none of such Payments were subject to the Excise Tax. In particular, the Company
will timely pay to the Executive an amount equal to the Excise Tax on the
Payments, any interest, penalties or additions to tax payable by the Executive
by reason of the Executive's filing income tax returns and making tax payments
in a manner consistent with an opinion of tax counsel selected by the Company
and reasonably acceptable to the Executive ("Tax Counsel"), and any federal,
state and local income tax and Excise Tax upon the payments by the Company to
the Executive provided for by this Section 5B(a). Notwithstanding the foregoing
provisions of this Section 5B(a), in the event the amount of Payments subject to
the Excise Tax exceeds the product ("Parachute Payment Limit") of 2.99 and the
Executive's applicable "base amount" (as such term is defined for purposes of
Section 4999 of the Code) by less than ten percent (10%) of the Base Salary, the
Executive shall be treated as having waived such rights with respect to Payments
designated by the Executive to the extent required such that the aggregate
amount of Payments subject to the Excise Tax is less than the Parachute Payment
Limit. "Code" refers to the Internal Revenue Code of 1986, as amended.

                  (b)   The Company shall obtain an opinion of Tax Counsel that
initially determines whether any of the Payments will be subject to the Excise
Tax and the amounts of such Excise Tax, which shall serve as the basis for
reporting Excise Taxes and federal, state and local income taxes on Payments
hereunder. For purposes of determining the amount of the Gross-Up Payment, the
Executive shall be deemed to pay federal income tax at the highest marginal
rates of federal income taxation applicable to individuals in the calendar year
in which the Gross-Up Payment is to be made and state and local income taxes at
the highest marginal rates of taxation applicable to individuals as are in
effect in the state and locality of the Executive's residence in the calendar
year in which the Gross-Up Payment is to be made, net of the maximum reduction
in federal income taxes that can be obtained from deduction of such

                                        8
<PAGE>

state and local taxes, taking into account any limitations applicable to
individuals subject to federal income tax at the highest marginal rates.

                  (c)   The Gross-Up Payments provided for in this Section 5B
shall be made as to each Payment upon the earlier of (i) the payment to the
Executive of any such Payment or (ii) the imposition upon the Executive or
payment by the Executive of any Excise Tax or any federal, state or local income
tax on any payment pursuant to this Section 5B.

                  (d)   If it is established pursuant to a final determination
of a court or an Internal Revenue Service proceeding or the opinion of Tax
Counsel that the Excise Tax is less than the amount taken into account under
Section 5B hereof, the Executive shall repay to the Company within five days of
the Executive's receipt of notice of such final determination or opinion the
portion of the Gross-Up Payment attributable to such reduction (plus the portion
of the Gross-Up Payment attributable to the Excise Tax and federal, state and
local income tax imposed on the Gross-Up Payment being repaid by the Executive
if such repayment results in a reduction in Excise Tax or a federal, state and
local income tax deduction) plus any interest received by the Executive on the
amount of such repayment. If it is established pursuant to a final determination
of a court or an Internal Revenue Service proceeding or the opinion of Tax
Counsel that the Excise Tax exceeds the amount taken into account hereunder
(including by reason of any payment the existence or amount of which cannot be
determined at the time of the Gross-Up Payment), the Company shall make an
additional Gross-Up Payment in respect of such excess within five days of the
Company's receipt of notice of such final determination or opinion.

            6.    Confidentiality.

                  (a)   The Executive acknowledges that, by reason of the
Executive's employment by the Company, the Executive will have access to
confidential information of the WellCare Companies ("Confidential Information").
The Executive acknowledges that such Confidential Information is a valuable and
unique asset of the WellCare Companies and covenants that, both during and after
the Employment Period, the Executive will not disclose any Confidential
Information to any Person (defined below) (except as the Executive's duties as
an employee or director of any of the WellCare Companies may require) without
the prior written authorization of the Board. The obligation of confidentiality
imposed by this Section 6 shall not apply to Confidential Information that
otherwise becomes known to the public through no act of the Executive in breach
of this Agreement or which is required to be disclosed by court order or
applicable law.

                  (b)   All records, designs, business plans, financial
statements, customer lists, manuals, memoranda, lists, research and development
plans, Intellectual Property and other property delivered to or compiled by the
Executive by or on behalf of any WellCare Company or its providers, clients or
customers that pertain to the business of any WellCare Company shall be and
remain the property of such WellCare Company and be subject at all times to its
discretion and control. Likewise, all correspondence, reports, records, charts,
advertising materials and other similar data pertaining to the business,
activities, research and development, Intellectual Property or future plans of
any WellCare Company that is collected by the Executive shall be delivered
promptly to such WellCare Company without request by it upon termination of the

                                        9
<PAGE>

Executive's employment. For purposes of this Section 6(b), "Intellectual
Property" shall mean patents, copyrights, trademarks, trade dress, trade
secrets, other such rights, and any applications.

            7.    Inventions.

            The Executive is hereby retained in a capacity such that the
Executive's responsibilities may include the making of technical and managerial
contributions of value to the WellCare Companies. The Executive hereby assigns
to the applicable WellCare Company all rights, title and interest in such
contributions and inventions made or conceived by the Executive alone or jointly
with others during the Employment Period which relate to the business of such
WellCare Company. This assignment shall include (a) the right to file and
prosecute patent applications on such inventions in any and all countries, (b)
the patent applications filed and patents issuing thereon, and (c) the right to
obtain copyright, trademark or trade name protection for any such work product.
The Executive shall promptly and fully disclose all such contributions and
inventions to the Company and assist the Company or any other WellCare Company,
as the case may be, in obtaining and protecting the rights therein (including
patents thereon), in any and all countries; provided, however, that said
contributions and inventions will be the property of the applicable WellCare
Company, whether or not patented or registered for copyright, trademark or trade
name protection, as the case may be. Notwithstanding the foregoing, no WellCare
Company shall not have any right, title or interest in any work product or
copyrightable work developed outside of work hours and without the use of any
WellCare Company's resources that does not relate to the business of any
WellCare Company and does not result from any work performed by the Executive
for any WellCare Company.

            8.    Unfair Competition.

                  (a)   Scope of Covenant. The Executive agrees that during the
Employment Period, and, subject to Section 8(e) hereof, for the one-year period
beginning on the last day of the Employment Period, the Executive shall not,
directly or indirectly, for himself or on behalf of or in conjunction with any
other person, company, partnership, business, group, venturer or other entity
(each, a "Person"), without the prior written consent of the Board:

                        (i)   engage as an officer, director, shareholder,
owner, partner, joint venturer, or in any managerial capacity, whether as an
employee, independent contractor, consultant or advisor (paid or unpaid), or as
a sales representative, or otherwise participate, in each case, in any business
that sells, markets, or provides any benefits or services, that are in direct
competition with the benefits or services provided by any WellCare Company
within any of the States of Florida, Connecticut, New York or any other state
that any WellCare Company is doing business (the "Territory") at the time
Executive ceases to be employed by the Company;

                        (ii)  recruit, hire or solicit any employee or former
employee of any WellCare Company or encourage any employee of any WellCare
Company to leave such WellCare Company's employ, unless such former employee has
not been employed by such WellCare Company for a period in excess of six months;
provided, however, that the provisions of this clause (ii) shall not apply to
any member of the Executive's immediate family;

                                       10
<PAGE>

                        (iii) call upon any Person who at that time is or, at
any time after the date one year prior to the date Executive ceases to be
employed by the Company, has been a provider, customer or agent of any WellCare
Company for the purpose of soliciting or selling benefits or services in
competition with any WellCare Company within the Territory; or

                        (iv)  request or advise any provider, customer or agent
of any WellCare Company to withdraw, curtail or cancel its business dealings
with such WellCare Company;

provided, however, that nothing in this Section 8(a) shall be construed to
preclude the Executive from making an investment in the securities of any
business enterprise whether or not engaged in competition with a WellCare
Company, to the extent that such securities are actively traded on a national
securities exchange or in the over-the-counter market in the United States or on
any foreign securities exchange; but only if such investment does not exceed two
percent (2%) of the outstanding voting securities of such enterprise; provided,
that such permitted activity shall not relieve the Executive from any other
provisions of this Agreement. If at any time during the one year period
beginning on the last day of the Employment Period, Executive desires to become
an employee of a division of a competitor of the WellCare Companies which
division is itself not engaged in competition with the WellCare Companies, then
Executive may request that the Company grant him a waiver of the provisions of
Section 8(a)(i) above with respect to his employment by such division so that
Executive may become an employee of such division without violating the
provisions of Section 8(a)(i) above, which waiver the Company (with the prior
approval of the Board) may grant (but shall be under no obligation to grant) to
Executive in its sole discretion.

                  (b)   Reasonableness. It is agreed by the parties that the
foregoing covenants in this Section 8 impose a reasonable restraint on the
Executive in light of the activities and business of the WellCare Companies on
the date of the execution of this Agreement and the current plans of the
WellCare Companies. The Executive acknowledges that the covenants in this
Section 8 shall not prevent the Executive from earning a livelihood upon the
termination of employment hereunder, but merely prevents unfair competition with
the WellCare Companies for a limited period of time.

                  (c)   Severability. The covenants in this Section 8 are
severable and separate, and the unenforceability of any specific covenant shall
not affect the provisions of any other covenant. In the event any court of
competent jurisdiction shall determine that the scope, time or territorial
restrictions set forth herein are unreasonable, then it is the intention of the
parties that such restrictions be enforced to the fullest extent that such court
deems reasonable, and this Agreement shall thereby be reformed.

                  (d)   Enforcement by the Company not Limited. All of the
covenants in this Section 8 shall be construed as an agreement independent of
any other provision in this Agreement, and the existence of any claim or cause
of action of the Executive against any WellCare Company, whether predicated in
this Agreement or otherwise, shall not constitute a defense to the enforcement
by the Company or WellCare of such covenants.

                                       11
<PAGE>

                  (e)   Delivery of a Notice of Non-Renewal by the Company.
Notwithstanding any other provision contained herein, if the Employment Period
ends as a result of the delivery of a Notice of Non-Renewal to the Executive by
the Company, then the provisions of clause (i) of Section 8(a) hereof shall not
apply to the Executive during the one-year period beginning on the last day of
the Employment Period unless the Company, in its sole discretion, elects, by
delivery of a written notice (a "Non-Compete Extension Notice") to the Executive
by no later than the last day of the Employment Period, to keep such provisions
of clause (i) of Section 8(a) hereof in effect for such one-year period, in
which case, as a result of the Company's valid delivery of such a Non-Compete
Extension Notice to the Executive (and under no other circumstances), the
Company shall be obligated to pay to Executive his Base Salary during such
one-year period.

            9.    Breach of Restrictive Covenants.

            The parties agree that a breach or violation of Sections 6, 7 or 8
hereof will result in immediate and irreparable injury and harm to the innocent
party, and that such innocent party shall have, in addition to any and all
remedies of law and other consequences under this Agreement, the right to seek
an injunction, specific performance or other equitable relief to prevent the
violation of the obligations hereunder.

            10.   Notices.

            For the purposes of this Agreement, notices, demands and all other
communications provided for in this Agreement shall be in writing and shall be
deemed to have been duly given when delivered or (unless otherwise specified)
mailed by United States certified or registered mail, return receipt requested,
postage prepaid, addressed as follows:

                  (a)   If to WellCare or the Company:

                           WellCare Health Plans, Inc.
                           6800 North Dale Mabry Highway, Suite 268
                           Tampa, FL 33614
                           Attention: Corporate Secretary
                           Fax: (813) 290-6210

                        With a copy, which shall not constitute notice, to:

                           Soros Private Equity Partners
                           888 Seventh Avenue, 28th Floor
                           New York, NY 10106
                           Attention: Neal Moszkowski
                           Fax: (212) 245-5154

                                       and

                                       12
<PAGE>

                           Kirkland & Ellis
                           153 East 53rd Street
                           New York, NY  10022
                           Attention:  W. Brian Raftery, Esq.
                           Fax: (212) 446-4900

                  (b)   If to the Executive:

                           at the Executive's last address or telecopy
                           number on the records of the Company

or to such other respective addresses as the parties hereto shall designate to
the other by like notice, provided that notice of a change of address shall be
effective only upon receipt thereof.

            11.   Non-Assignment; Successors.

            No party hereto may assign any rights or delegate any duties under
this Agreement without the prior written consent of the other parties hereto;
provided, however, that: (i) this Agreement shall inure to the benefit of and be
binding upon the successors and assigns of the Company and WellCare; and (ii)
this Agreement shall inure to the benefit of and be binding upon the heirs,
assigns or designees of the Executive to the extent of any payments due to them
hereunder. As used in this Agreement, the term "Company" shall be deemed to
refer to any such successor or assign of the Company referred to in the
preceding sentence.

            12.   Withholding of Taxes.

            All payments required to be made by the Company to the Executive
under this Agreement shall be subject to the withholding of such amounts, if
any, relating to tax, and other payroll deductions as the Company may reasonably
determine it should withhold pursuant to any applicable law or regulation.

            13.   Payments; Mitigation.

            All amounts payable by the Company to the Executive under this
Agreement shall be paid promptly on the dates required for such payment in this
Agreement without notice or demand. The Executive shall not be obligated to seek
other employment in mitigation of the amounts payable or the arrangements made
under any provision of this Agreement, and, except as specifically provided
herein, any such employment obtained by the Executive shall not reduce or affect
the amounts payable or the arrangements made under any provision of this
Agreement.

            14.   Director and Officer Insurance.

            During the Employment Period, the Company shall use its best efforts
to obtain and maintain director's and officer's insurance for the Executive (in
such amounts as are appropriate for executives of businesses comparable to that
of WellCare) and shall give timely notice to the Executive of termination of any
such insurance policy.

                                       13
<PAGE>

            15.   Indemnification.

            The Company and WellCare shall indemnify the Executive, in his
capacity as an officer of the Company and WellCare, to fullest extent permitted
under the Company's and WellCare's respective By-Laws (not including any
amendments or additions hereafter that limit or narrow, but including any that
add to or broaden, the protection afforded to the Executive by those provisions)
and applicable law.

            16.   Waiver of Breach.

            Any waiver of any breach of this Agreement shall not be construed to
be a continuing waiver or consent to any subsequent breach on the part either of
the Executive or of the Company or WellCare.

            17.   Severability.

            To the extent any provision of this Agreement or portion thereof
shall be invalid or unenforceable, including, without limitation, Sections 6, 7
and 8 hereof, the specific provision found invalid or unenforceable shall be
considered deleted therefrom to the extent invalid and/or unenforceable and the
remainder of such provision and of this Agreement shall be unaffected and shall
continue in full force and effect.

            18.   Governing Law.

            This Agreement shall be construed, interpreted and enforced in
accordance with the laws of the State of New York, without giving effect to the
choice of law provisions thereof.

            19.   Complete Agreement.

            This Agreement constitutes the entire agreement by WellCare, the
Company and the Executive with respect to the subject matter hereof and
supersedes any and all prior agreements or understandings between the Executive
and the WellCare Companies with respect to the subject matter hereof, including
any employment agreements, arrangements or understandings existing or that arose
prior to the Effective Date, whether written or oral, including without
limitation the Original Employment Agreement. This Agreement may be amended or
modified only by a written instrument executed by the Executive, WellCare and
the Company (with the prior approval of the Board).

            20.   Counterparts.

            This Agreement may be executed in one or more counterparts, each of
which shall be deemed to be an original but all of which together will
constitute one and the same instrument.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       14
<PAGE>

            IN WITNESS WHEREOF, the parties have executed this Amended and
Restated Employment Agreement as of the date first written above.

                                       WELLCARE:

                                       WELLCARE GROUP, INC.

                                       By: /s/ Thaddeus Bereday
                                           --------------------
                                           Name:
                                           Its:

                                       COMPANY:

                                       COMPREHENSIVE HEALTH MANAGEMENT, INC.

                                       By: /s/ Thaddeus Bereday
                                           --------------------
                                           Name:
                                           Its:

                                       EXECUTIVE:

                                       /s/ Todd S. Farha
                                       -----------------
                                       Todd S. Farha

<PAGE>

            By its countersignature hereto, WellCare Health Plans, Inc., a
Delaware corporation formerly known as WellCare Acquisition Company, hereby
agrees to the amendment and restatement of the Original Employment Agreement as
set forth in the foregoing Amended and Restated Employment Agreement.

                                       WELLCARE HEALTH PLANS, INC.

                                       By: /s/ Thaddeus Bereday
                                           --------------------
                                           Name:
                                           Its:

                                       16

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