Document:

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                                                                   EXHIBIT 10.60

                                      FIRST
                          AMENDMENT TO LEASE AGREEMENT

      This Amendment to Lease Agreement ("Amendment") is entered into this 5th
day of February, 2002, by and between MEDICAL SOCIETY OF NEW JERSEY, a New
Jersey private non-profit corporation (hereinafter designated as "Landlord")
with an office located at Two Princess Road, Lawrenceville, New Jersey 08648,
and NEW JERSEY STATE MEDICAL UNDERWRITERS, INC., a corporation of the State of
New Jersey (hereinafter designated as "Tenant") with an office located at Two
Princess Road, Lawrenceville, New Jersey 08648.

                                   WITNESSETH

      WHEREAS, by that certain Lease Agreement dated as of October 1, 2000 by
and between the parties hereto (the "Lease"), Landlord leased to Tenant a
certain portion of the premises (the "Original Premises") located at Two
Princess Road, Lawrenceville, New Jersey 08648 (the "Complex"), as identified in
the Lease, together with all rights and obligations as set forth in the Lease;
and

      WHEREAS, Landlord and Tenant desire to amend the Lease to increase,
effective as of March 1, 2002, the square footage of the Original Premises under
the Lease;

      WHEREAS, all capitalized terms not otherwise defined herein shall have the
meaning set forth in the Lease.

      NOW, THEREFORE, in consideration of the premises and of the mutual
promises and agreements herein contained, the parties, intending to be legally
bound, agree to amend the Lease as follows:

      1.    All terms and conditions of this Amendment shall be effective
commencing the first day of March, 2002.

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      2.    Tenant hereby leases from Landlord and Landlord hereby rents to
Tenant an additional One Thousand Seven Hundred Eighty-Eight (1,788) square feet
of space (designated as office space under the Lease) on the first (1st) floor
of the Complex (the "Additional Premises"), as shown on EXHIBIT A, attached to
this Amendment and made a part hereof. The Additional Premises consists of
Conference Room 1B, located on the first floor of the Complex, containing 594
square feet, and an additional 1,194 square feet of office space on the first
floor of the Complex. Effective March 1, 2002, the Original Premises, plus the
Additional Premises, (collectively the "Premises"), shall consist of a total of
46,575 square feet of space, comprising 24,077 square feet of office space and
1,568 square feet of warehouse space on the first floor, and 20,930 square feet
of office space on the second floor.

      3     The term of this Amendment shall commence on March 1, 2002 and shall
expire coterminously with the Lease expiration date of September 30, 2003, or
such date as the Lease shall otherwise terminate or expire in accordance with
its terms.

      4.    The Basic Rent for the Additional Premises shall be Thirty Thousand
Six Hundred Sixty-Four and 20/100 ($30,664.20) Dollars annually (calculated at
$17.15 per square foot), payable in equal monthly installments, in advance, of
Two Thousand Five Hundred Fifty-Five and 35/100 ($2,555.35) Dollars (the
"Additional Basic Rent"). Effective March 1, 2002, the Basic Rent for the
Premises (Original Premises and the Additional Premises) shall be $782,846.05
for each year of the Lease payable in advance on the first day of each month in
monthly installments of $65,237.17. The Basic Rent is calculated at $17.15 per
square foot for the office space and $7.00 per square foot for the warehouse
space.

      5     Tenant shall take the Additional Premises in its "AS-IS" condition.
Landlord shall have no obligation to make any alterations, additions, or
improvements to the Additional Premises. Tenant may, in its sole discretion,
elect to make alterations to the Additional Premises in accordance with Article
10 of the Lease.

      6.    Section 4.6 of the Lease, entitled, the "Tenant's Proportionate
Share" is amended to read in its entirety as follows:

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            "For the purposes hereof, Tenant's Proportionate Share shall be
            based upon a fraction whose numerator is the total square feet of
            the Premises and whose denominator is the total square feet of space
            at the Complex. Landlord represents that the Premises consist of
            46,575 square feet and that the Complex consists of 71,733 square
            feet of space, such that Tenant's Proportionate Share is 64.9%
            ("Proportionate Share"). In the event that the Complex should be
            expanded such that the amount of space at the Complex shall be
            increased, Tenant's Proportionate Share shall be recalculated using
            the fraction hereinabove stated.

      7.    Tenant's renewal options as set forth in Article 6 of the Lease
shall also apply to the Additional Premises.

      8.    Section 6.3(1) of the Lease is amended to read in its entirety as
follows:

Subject to the provisions and conditions set forth in subparagraph (2) below,
Basic Rent for the First Renewal Term shall be $821,102.00 per year payable in
equal monthly installments of $68,425.16 calculated at $18.00 per square foot
for the office space and $7.00 per square foot for the warehouse space, and for
the Second Renewal Term, $866,109.00 per year payable in equal monthly
installments of $72,175.75 calculated at $19.00 per square foot for the office
space and $7.00 per square foot for the warehouse space.

      9.    Section 7.2 of the Lease is amended to delete all references to
Conference Room/Meeting Room number 2. It being understood that Conference room
(1B) is a portion of the Additional Premises, shall be Tenant's exclusive space,
and shall not be included in the definition of "Common Areas" as set forth in
Section 7.2.

      10.   Except as specifically modified by this Amendment, all other terms,
conditions, covenants and stipulations contained in the Lease shall remain in
full force and effect. All terms not defined herein shall have the meaning
ascribed to them in the Lease. The word "Premises" as utilized in the Lease
shall include the word "Additional Premises" as set forth herein.

      11.   This Amendment shall be binding upon and inure to the benefit of the
parties hereto and their respective successors and assigns.

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      IN WITNESS WHEREOF, the parties hereto have executed this Amendment to
Lease Agreement as of the day and year first above written.

Attest:                                    Landlord:
                                           MEDICAL SOCIETY OF NEW JERSEY

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

                                           Tenant:
Attest:                                    NEW JERSEY STATE MEDICAL
                                           UNDERWRITERS, INC.

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

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                                    EXHIBIT A
                             THE ADDITIONAL PREMISES

                                       5<PAGE>

                                                                   EXHIBIT 10.61

                        SETTLEMENT AGREEMENT AND RELEASE

      This Settlement Agreement and Release ("Agreement"), made as of the 22 day
of February, 2002, by and between Daniel G. Smereck ("Smereck"), residing at 405
Sawyers Lane, Newton, Pennsylvania 18940 and The MIIX Group, Incorporated ("MIIX
Group") and New Jersey State Medical Underwriters, Inc. ("Underwriter")
(together, the "Company"), having offices at Two Princess Road, Lawrenceville,
New Jersey 08648. (Smereck and the Company are collectively referred to herein
as the "parties").

      WHEREAS, Smereck and the Company entered into an Employment Agreement
dated as of December 15, 1999 (the "Employment Agreement"), governing the rights
and duties between the parties with respect to the terms and conditions of
Smereck's employment with the Company; and

      WHEREAS, Smereck and MIIX Group are parties to a Stock Purchase and Loan
Agreement, dated as of June 22, 1999 (the "Stock Purchase and Loan Agreement"),
by which Smereck purchased 33,333 shares of MIIX Group common stock for a
purchase price of $450,000 and MIIX Group loaned to Smereck the funds necessary
to do so in the aggregate principal amount of $450,000; and

      WHEREAS, in connection with the Stock Purchase and Loan Agreement and as
evidence of Smereck's indebtedness to MIIX Group, Smereck executed a Promissory
Note, dated June 22, 1999, payable to MIIX Group in the principal amount of
$450,000, plus interest accrued thereon; and

      WHEREAS, Smereck's employment with the Company was terminated without
cause effective November 19, 2001; and

      WHEREAS, the Employment Agreement provides for certain payments and
benefits to be made to Smereck upon termination of his employment without cause
by the Company; and

      WHEREAS, the Stock Purchase and Loan Agreement provides that Smereck's
obligation to repay the loan made thereunder and the Promissory Note executed in
connection therewith shall be due and payable upon the termination of Smereck's
employment with the Company or, at his option, may be extended to the second
anniversary date of such termination of employment or the Maturity Date,
whichever is earlier; and

      WHEREAS, the parties desire to settle the terms of the severance to be
paid to Smereck pursuant to the Employment Agreement and Smereck's obligation to
pay the stock loan pursuant to the Stock Purchase and Loan Agreement and the
Promissory Note executed in connection therewith;

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      NOW, THEREFORE, in consideration of the mutual promises and undertakings
contained herein and intending to be legally bound hereby, the parties hereto
agree, as of the Effective Date of this Agreement, as follows:

      1.    Both Smereck and the Company agree to comply with their duties and
obligations with respect to Smereck's termination of employment without cause by
the Company and the severance payments to be made to Smereck as provided in
Sections 3.4 and 4. of the Employment Agreement. Nothing contained in this
Agreement shall be deemed to modify or amend the provisions of Sections 3.4 and
4. of the Employment Agreement and the parties shall be required to comply with
all of their duties and obligations as set forth therein without modification or
alteration.

      2.    Notwithstanding any provision of the Stock Purchase and Loan
Agreement or the Promissory Note executed in connection therewith to the
contrary, Smereck's obligation to pay the loan made to him by MIIX Group
pursuant to the Stock Purchase and Loan Agreement and the Promissory Note,
together with accrued interest thereon, shall be extended to November 19, 2006.

      3.    In consideration of the foregoing, Smereck hereby releases and
discharges the Company and its affiliates, their owners, principals, officers,
directors, employees and agents from any and all actions, causes of actions,
claims, or charges arising out of Smereck's employment and/or termination of
employment, including, but not limited to, wrongful or unlawful discharge,
violations of Title VII of the Civil Rights Act of 1964 as amended, the Civil
Rights Act of 1991, violations of the Equal Pay Act, violations of the Age
Discrimination in Employment Act of 1967 as amended, violations of the Americans
with Disabilities Act of 1991, violations of the New Jersey Law Against
Discrimination, violations of the New Jersey Conscientious Employee Protection
Act, violations of any state and/or municipal fair employment statutes or laws,
or violations of any other law, rule, regulation, or ordinance pertaining to
employment, wages, hours or any other terms and conditions of employment, and
termination of employment. In addition, in consideration of the provisions of
this Agreement, Smereck hereby further expressly agrees to waive any and all
rights under the laws of New Jersey or any other jurisdiction in the United
States that limit a general release to claims known or suspected to exist in
Smereck's favor as of the Effective Date of this Agreement. This is intended by
Smereck to completely release any and all claims including, but not limited to,
those of which the parties are not presently aware and those not mentioned
specifically in this release. This release applies to claims resulting from
anything that has occurred up to now.

      4.    SMERECK HAS TWENTY-ONE (21) DAYS TO INDICATE HIS DECISION TO ACCEPT
THIS AGREEMENT BY SIGNING IT, OR TO REJECT THE AGREEMENT BY NOT SIGNING IT.
SMERECK HAS SEVEN (7) DAYS AFTER HE SIGNS THE AGREEMENT TO CHANGE HIS MIND AND
REVOKE IT. THIS AGREEMENT BECOMES EFFECTIVE SEVEN (7) DAYS AFTER SMERECK HAS
SIGNED IT (THAT IS THE AGREEMENT'S "EFFECTIVE DATE") IF SMERECK HAS NOT
EXERCISED HIS RIGHT DURING THAT TIME PERIOD TO REVOKE THE AGREEMENT. SMERECK
ACKNOWLEDGES THAT HE HAS BEEN ADVISED THAT THIS IS A LEGAL DOCUMENT WHICH
CONTAINS A RELEASE OF LEGAL CLAIMS AND THAT HE SHOULD CONSULT AN ATTORNEY BEFORE
SIGNING THIS AGREEMENT. SMERECK ACKNOWLEDGES THAT HE HAS RETAINED HIS

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OWN COUNSEL AND THAT HIS OWN COUNSEL HAS REVIEWED THE AGREEMENT PRIOR TO SMERECK
SIGNING THE AGREEMENT.

      5.    It is agreed that the terms of this Agreement are confidential, and
Smereck agrees not to disclose the existence of this Agreement or any of its
terms to any person; provided, however, that it shall not be a breach of this
paragraph for Smereck to disclose the terms of this Agreement (i) to the
Internal Revenue Service or other duly constituted tax authorities in response
to a request therefor or for information about the subject matter thereof; (ii)
to a court in any lawsuit seeking relief under this Agreement; (iii) to his
attorneys, tax advisors and accountants; or (iv) as required by legal process,
provided Smereck gives notice to the Company prior to the production of
confidential information in response to such legal process sufficient to allow
the Company an opportunity to raise objections to such legal process.

      6.    This Agreement and the obligations and representations of the
parties hereto shall inure to the benefit of, and shall be binding upon, the
parties hereto and their respective successors, heirs and assigns.

      7.    This Agreement states the entire agreement between the parties and
may not be changed or amended except by the express written agreement of the
parties.

      8.    Each party agrees that the party has read, understands and has
consulted with the party's own legal counsel regarding this Agreement, and
executes the same as the party's free and voluntary act.

      9.    This Agreement shall be governed by and construed and interpreted in
accordance with the substantive law of the State of New Jersey, without regard
to choice-of-law rules.

      10.   This Agreement may be executed in counterpart and facsimile
signatures shall be deemed an original.

                                         THE MIIX GROUP, INCORPORATED

                                         By:
                                            ----------------------------------

                                         NEW JERSEY STATE MEDICAL
                                         UNDERWRITERS, INC.

                                         By:
                                            ----------------------------------

                                         -------------------------------------
                                                  DANIEL G. SMERECK

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