Document:

<PAGE>

                                                                   Exhibit 10.48

                                 FIFTH AMENDMENT
                                       TO
                      LEASE AGREEMENT FOR OFFICE FACILITIES

     This Fifth Amendment to Lease Agreement for Office Facilities ("Fifth
Amendment") is made this 29TH day of OCT, 2001 by WRC PROPERTIES, INC., a
Delaware corporation ("Landlord"), and AMERICAN PREPAID PROFESSIONAL SERVICES,
INC., a Florida corporation and COMPBENEFITS CORPORATION, a Delaware
corporation (jointly and severally "Tenant").

     A. Landlord and ORAL HEALTH SERVICES, INC., formerly known as Oral Health
Services of Florida, Inc. ("Original Tenant"), entered into that certain Lease
Agreement for Office Facilities dated April 6, 1995 (the "Original Lease"),
pursuant to which Original Tenant leased the Premises known as Suites 400 and
325, containing approximately 15,969 square feet of Net Rentable Area (the
"Original Premises"), in the building known as 5775 Waterford, located at 5775
Blue Lagoon Drive, Miami, Florida (the "Building").

     B. Landlord and Original Tenant entered into that certain First Amendment
to Office Lease Agreement dated as of September 6, 1995 (the "First Amendment")
for the purpose of expanding the Original Premises to include Suite 320
containing approximately 2,079 square feet of Net Rentable Area, Suite 330
containing approximately 1,970 square feet of Net Rentable Area, and Suite 137,
containing approximately 292 square feet of Net Rentable Area (together the
"First Amendment Expansion Space"), located in the Building, and for the other
purposes stated therein.

     C. Landlord and Original Tenant entered into that certain Second Amendment
to Lease Agreement for Office Facilities dated February 11, 1997 (the "Second
Amendment") for the purpose of further expanding the Premises demised under the
Original Lease and the First Amendment to include an additional 1,056 square
feet of Net Rentable Area located on the third floor of the Building (the
"Second Amendment Expansion Space"), and for the other purposes stated therein.

     D. Landlord and Original Tenant entered into that certain Third Amendment
to Lease Agreement for Office Facilities dated June 11, 1997 (the "Third
Amendment") for the purpose of further expanding the Premises demised under the
Original Lease, the First Amendment and the Second Amendment to include an
additional 1,155 square feet of Net Rentable Area located on the third floor of
the Building (the "Third Amendment Expansion Space"), and for the other purposes
stated therein.

     E. Landlord and Original Tenant entered into that certain Fourth Amendment
to Lease Agreement for Office Facilities dated November 5, 1997 (the "Fourth
Amendment") for the purpose of further expanding the size of the Premises
demised under the Original Lease, the First Amendment, the Second Amendment and
the Third Amendment to include Suite 200 in the Building, containing
approximately 7,394 square feet of Net Rentable Area (the "Fourth Amendment
Expansion Space").

     F. Landlord, Original Tenant and CompDent Corporation entered into that
certain Consent to Assignment dated July 11, 2000 ("Consent") for the purpose of
evidencing

<PAGE>

Landlord's consent to the assignment of the Original Lease, the First Amendment,
the Second Amendment and the Third Amendment from Original Tenant to CompDent
Corporation, and for the other purposes set forth therein.

     G. CompDent Corporation changed its name to CompBenefits Corporation my
amendment to its Certificate of Incorporation dated July 12, 2000 filed with the
Secretary of State of the State of Delaware on July 12, 2000.

     H. The Original Lease, the First Amendment, the Second Amendment, the Third
Amendment, the Fourth Amendment and the Consent are referred to herein as the
"Lease". The Original Premises, the First Amendment Expansion Space, the Second
Amendment Expansion Space, the Third Amendment Expansion Space and the Fourth
Amendment Expansion Space are referred to herein as the "Existing Premises".

     I. Tenant wishes to extend the Term of the Lease, and the reduce the size
of the Existing Premises. Accordingly, Landlord and Tenant are entering into
this Fifth Amendment.

                                      TERMS

     NOW, THEREFORE, for Ten Dollars ($10.00) and the covenants and conditions
of this Amendment, the receipt and sufficiency of which are hereby conclusively
acknowledged, Landlord and Tenant agree as follows:

     1. Recitals. The above recitals are true and correct and are agreed to by
Landlord and Tenant as if such recitals were fully set forth herein.

     2. Terms. All undefined capitalized terms herein shall have the same
meanings as defined in the Lease.

     3. Lease Term. The Term of the Lease is hereby extended for a period of
five (5) years from the "Redefined Premises Commencement Date" as defined in
Exhibit "D" hereto.

     4. Tenant to Temporarily Vacate Suite 400. Tenant shall, on or before
September 7, 2001, vacate Suite 400 and remove all of its personal property and
trade fixtures therefrom. Notwithstanding the foregoing, Tenant may leave the
systems installed in the "Existing Telephone and Security Equipment Room"
designated in Exhibit "A" hereto until it causes the relocation of such
equipment to the "New Telephone and Security Equipment Room", also designated on
Exhibit "A" hereto, in accordance with the procedures set forth in Exhibit "D"
hereto.

     5. Interim Base Rental. For the period between May 16, 2001 and the date
that Tenant vacates Suite 400 in the condition required under Paragraph 4 above,
Tenant shall continue to pay Base Rent for the Premises as set forth in the
Lease, which is, as of March 1, 2001, the amount of $20.74 per square foot of
Net Rentable Area, as subsequently adjusted pursuant to Exhibit "C" to the
Original Lease. From and after the date that Tenant vacates Suite 400 in the
foregoing required condition until the "Redefined Premises Commencement Date" as
hereinafter defined, Tenant shall pay Base Rent for the Premises (but excluding
Suite 400)

<PAGE>

as set forth in the Lease and in accordance with the amount per square foot set
forth in this Paragraph 5, as adjusted from time to time.

     6. Interim Proportionate Share. For the period between May 16, 2001 and the
date that Tenant vacates Suite 400 in the condition required under the Paragraph
4 hereof, Tenant shall continue to pay its Proportionate Share of Operating
Expenses for the Premises as set forth in the Lease. From and after the date
that Tenant vacates Suite 400 in the condition required under Paragraph 4 hereof
until the Redefined Premises Commencement Date, Tenant's Proportionate Share of
Operating Expenses shall be 25.02264%. As set forth in the Lease, Tenant shall
pay its Proportionate Share of Operating Expenses for such period under this
Fifth Amendment to the extent Operating Expenses exceed the amount of $7.50 per
square foot per year.

     7. Interim Premises. From the date that Tenant vacates Suite 400 in the
condition required under Paragraph 4 above until the Redefined Premises
Commencement Date, the Premises demised under the Lease shall consist of 14,647
square feet of Net Rentable Area, and shall include each portion of the Premises
except for Suite 400 (the "Interim Premises") Tenant shall vacate the Interim
Premises in the condition required under the Lease on or before five (5)
business days following the Redefined Premises Commencement Date, and Tenant
shall pay all sums due under the Lease for the Interim Premises until it so
timely vacates the Interim Premises.

     8. Redefined Premises Commencement Date. The Redefined Premises
Commencement Date shall occur on the date that Landlord has substantially
completed the improvements to Suite 400 to be accomplished under the scope of
Exhibit "D" hereto. Notwithstanding the foregoing, in the event that Tenant
causes any delays as enumerated in Exhibit "D" hereto in the Redefined Premises
Commencement Date, it shall pay Base Rent and its Proportionate Share of
Operating Expenses for Suite 400 for each such day of Tenant delay.

     9. Redefined Premises. From and after the Redefined Premises Commencement
Date, Tenant's Premises under the Lease shall consist of Suite 400 and Suite 325
consisting of 15,969 square feet of Net Rentable Area, (the "Redefined
Premises"). Tenant's Proportionate Share of Operating Expenses shall be
27.2811%. From and after the Redefined Premises Commencement Date, Tenant shall
pay its Proportionate Share of Operating Expenses to the extent Operating
Expenses exceed $8.62 per square foot of Net Rentable Area. Tenant has been in
occupancy of the Redefined Premises, and accepts it in AS-IS condition subject
to the work to be performed by Landlord under Exhibit "D" hereto.

     10. Redefined Premises Base Rent. Tenant shall pay Base Rent for the
Redefined Premises in accordance with the following schedule, plus sales tax
thereon. Exhibit "C" to the Lease shall be deleted from and after the Redefined
Premises Commencement Date. "Year 1" in the following schedule shall commence on
the Redefined Premises Commencement Date.

<TABLE>
<CAPTION>
PERIOD    ANNUAL BASE RENT/SQ.FT.   ANNUAL BASE RENT   MONTHLY BASE RENT
------   ------------------------   ----------------   -----------------
<S>      <C>                        <C>                <C>
1        $21.00 1/16/02 - 1/17/03      $335,349.00         $27,945.75
2        $21.50 1/16/03 - 1/17/04      $343,333.50         $28,611.12
3        $22.00 1/16/04 - 1/17/05      $351,318.00         $29,276.50
</TABLE>

<PAGE>

<TABLE>
<S>      <C>                        <C>                <C>
4        $22.50 1/16/05 - 1/17/06      $359,302.50         $29,941.88
5        $23.00 1/16/06 - 1/17/07      $367,287.00         $30,607.25
</TABLE>

     11. Payment of Rent. Paragraphs 5.2 and 23.1(a) of the Original Lease are
hereby modified to provide that Tenant shall, with respect to its payments of
rent or additional rent under the Lease, receive notice and a ten (10) day
period to cure following such notice two (2) times in each calendar year before
such payment shall be considered late and before late charges shall apply.
Furthermore, late fees shall not commence to accrue unless Tenant's payment is
not received by the fifth day of the month in which it is due.

     12. Parking.

          a.   Other than the unreserved, allocated parking spaces under the
               Lease, Tenant has no further parking rights under the Lease or
               under any other agreements with Landlord and any other such
               agreements, whether express or implied, are hereby revoked.
               Without limitation of the foregoing, Tenant shall not be
               permitted to park or use for parking the undeveloped land parcel
               adjacent to and west of the building known as 5757 Waterford.

          b.   From and after the Redefined Premises Commencement Date, the
               second sentence of Paragraph 12.1 of the Original Lease shall
               provide that Tenant's allocated share of parking shall be 70
               spaces.

     13. Brokers. Tenant hereby warrants that it has had no dealings with any
real estate broker or agent in connection with the negotiation of this Fifth
Amendment other than The Hogan Group, which has represented Landlord, and CB
Richard Ellis, Inc., which has represented Tenant. Tenant agrees to and hereby
indemnifies Landlord from any claims for commission or expenses relating to any
claim by any other real estate broker or agent in connection with this Fifth
Amendment or otherwise relating to the Lease.

     14. Lease in Full Force and Effect. Tenant represents, warrants and
acknowledges that the Lease is unmodified, other than pursuant to the terms of
this Fifth Amendment, and is in full force and effect as modified herein, that
rent has been paid through the date hereof and that Landlord is not in default
in the performance of any covenant, agreement or condition contained in the
Lease, as modified, and that Tenant has no defense to the payment of any amounts
due under the Lease, as modified.

     15. Effect of Delivery. This Fifth Amendment shall not be effective, and
shall not be relied upon by either party, until such time as it has been
executed by a duly authorized officer of Landlord and a copy of this Fifth
Amendment, which has been fully executed by both Landlord and Tenant, is
delivered to Tenant.

                            (execution page follows)

<PAGE>

     IN WITNESS WHEREOF, Landlord and Tenant have executed this Fifth Amendment
on this _____ day of __________________, 2001.

                                        TENANT:

Witness as to AMERICAN PREPAID          AMERICAN PREPAID PROFESSIONAL SERVICES,
PROFESSIONAL SERVICES, INC.:            INC.

/s/ Rosa M. Vichcales                   By: /s/ Phyllis Klock
-------------------------------------       ------------------------------------
Signature                               Name: Phyllis Klock
                                        Title: President & COO
Rosa M Vichcales
Print Name

/s/ Kimela S. Comstock
-------------------------------------
Signature

Kimela S. Comstock
Print Name

Witness as to COMPBENEFITS
CORPORATION:                            COMPBENEFITS CORPORATION

/s/ Rosa M Vichcales                    By: /s/ Phyllis Klock
-------------------------------------       ------------------------------------
Signature                               Name: Phyllis Klock
                                        Title: President & COO
Rosa M Vichcales
Print Name

/s/ Kimela S. Comstock
-------------------------------------
Signature

Kimela S. Comstock
Print Name

Witness as to LANDLORD:                 LANDLORD:

                                        WRC PROPERTIES, INC.

/s/ Frances L. Cairo                    By: /s/ HARRY ST. CLAIR
-------------------------------------       ------------------------------------
Signature                               Name: HARRY ST. CLAIR
                                        Title: ASSISTANT SECRETARY
Frances L. Cairo
Print Name

/s/ Pauline Osborne-Ellis
-------------------------------------
Signature

Pauline Osborne-Ellis
Print Name

<PAGE>

                                   EXHIBIT "A"

  FLOOR PLAN OF THE REDEFINED PREMISES, SPECIFICALLY INDICATING THE LOCATION OF
THE "EXISTING TELEPHONE AND SECURITY EQUIPMENT ROOM" AND THE "NEW TELEPHONE AND
                            SECURITY EQUIPMENT ROOM"

<PAGE>

                                   EXHIBIT "D"

                              WORK LETTER AGREEMENT

     This Work Letter agreement (this "Work Letter") is attached to and made
part of that certain FIFTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
(the "Fifth Amendment") dated the ____________ day of ____________, 2001 by and
between WRC PROPERTIES, INC. ("Landlord") and AMERICAN PREPAID PROFESSIONAL
SERVICES, INC., a Florida corporation and COMPBENEFITS CORPORATION, a Delaware
corporation (jointly and severally "Tenant"). The terms, definitions and other
provisions of the Lease as modified by the Fifth Amendment are hereby
incorporated into this Work Letter by reference. This Work Letter addresses work
to be performed by Landlord in the Redefined Premises as defined in the Fifth
Amendment in the period between the date that Tenant vacates Suite 400 and Suite
325 in the condition required under the Fifth Amendment. All references herein
to the "Premises" are references to the Redefined Premises only.

     In consideration of the execution of the Lease and the mutual covenants and
conditions hereinafter set forth, Landlord and Tenant agree as follows:

1.   IMPROVEMENTS:

     (a) Tenant has previously been in occupancy of the Redefined Premises under
the Lease. This Work Letter sets forth the agreement with respect to the
construction of improvements to the Redefined Premises as defined in the Fifth
Amendment. All improvements to the Redefined Premises, whether constructed or
installed by Landlord or Tenant, shall be hereinafter referred to as the "Tenant
Improvements", which shall be comprised of materials at least equal to the
Building Grade as hereinafter defined.

     (b) In accordance with and subject to the provisions of this Work Letter,
Landlord shall, at Tenant's expense (subject to offset by the Tenant Improvement
Allowance as hereinafter defined), construct and install the Tenant
Improvements. Unless otherwise agreed in writing, Landlord shall use the
following Building Grade construction methods and materials where appropriate or
some other substantially comparable construction method or material deemed by
Landlord (in its sole discretion) to the Building Grade:

          (1) Interior Partitions: Taped, finished and painted (two coats of
flat latex, partitioning to be constructed with one layer of 1/2" drywall
mounted on each side of 3 5/8" metal studs, extending to the finished ceiling
height and having 2 1/2" vinyl base throughout.

          (2) Interior Demising Walls: Separation between Tenants consisting of
one layer of 5/8" of fire-rated drywall mounted on each side of 3 5/8" metal
studs, running from floor slab to ceiling slab, with 3 5/8" layer of insulation
in the wall cavity; Tenant to be responsible only for one-half of the cost of
such tenant separation and corridor walls. Any other unfinished concrete
surfaces (walls to columns) to be wrapped with drywall; Tenant to bear full cost
of such wrapped concrete walls. All demising walls to be taped, finished and
painted (two coats) and vinyl base installed in the same manner prescribed for
the interior partitions.

<PAGE>

          (3) Building Exterior Wall: All window openings will have Landlord
specified horizontal mini-blinds.

          (4) Entry Doors: Solid core wood veneer (8'6" height, 3' width) set in
metal frames. Maximum of two (2) entry doors per Tenant. Hardware to be lever
handle U.S. 32 polished stainless, hinges U.S. 26 polished chrome, closer and
U.S. 32 polished stainless floor stops.

          (5) Interior Doors: Solid core wood veneer (8'6" height, 3' width) set
in metal frames. Hardware to match Entry Doors, with closers only as required by
building code.

          (6) Carpeting: Minimum 32 ounce face weight, commercial grade, glue
down, throughout Premises.

          (7) Heating, ventilation and air conditioning: Low pressure ductwork
and flex duct air distribution system throughout the Premises with air
diffusers, as required.

          (8) Electrical: Wiring and conduit per code, as required for standard
wall-mounted duplex power outlets, switches and 2' x 4' parabolic lighting
fixtures with complete circuitry to electrical panels.

          (9) Lighting: 2' x 4' parabolic lay-in fixtures with three fluorescent
tubes each, with wiring, conduit and circuitry.

          (10) Telephone Outlets: Wall-mounted box with pull string or conduit
to top of partition for tenant telephone system.

          (11) Ceiling: 2' x 2' reveal edge lay-in acoustical ceiling tile and
1" wide metal grid.

          (12) Fire Protection and Security Equipment: Fully-recessed sprinkler
heads, centered in tile, exit lights, fire extinguishers and fire dampers as
required per code.

               (a) Landlord's obligation to construct any Non-Standard
          Improvements requested by Tenant shall be subject to the provisions of
          this Work Letter pertaining to (i) Landlord's review of the "Plans and
          Specifications" (as hereinafter defined) and (ii) any delay in
          "Substantial Completion" (as hereinafter defined) due to Tenant's
          specification of construction or materials other than Building Grade.

2.   TENANT IMPROVEMENT ALLOWANCE; TENANT'S COSTS:

     (a) Landlord shall provide Tenant with an allowance (the "Tenant
Improvement Allowance") as a credit against the cost of the Tenant Improvements,
including the Non-Standard Improvements. The Tenant Improvement Allowance shall
be equal to Twenty Three and 00/100 Dollars ($23.00) per square foot of Rentable
Area of the Premises, which equates to the total amount of Three Hundred Sixty
Seventy Thousand Two Hundred Eighty Seven and 00/100 ($367,287.00). To the
extent that the total cost of the Tenant Improvements (including the cost of the
Non-Standard Improvements) exceeds the Tenant Improvement Allowance, Tenant
shall pay the full amount of such excess ("Tenant Costs") as follows:

<PAGE>

          (1) Prior to commencement of construction of the Tenant Improvements,
Tenant shall pay Landlord an amount equal to fifty percent (50%) of the Tenant's
Costs, as such amount is then determined by reference to the "Construction
Budget" (as hereinafter defined).

          (2) Prior to taking occupancy of the Premises, Tenant shall pay
Landlord an amount equal to the remaining unpaid balance of Tenant's Costs, and
such amount can then be reasonably determined by Landlord based on available
information.

          (3) Within ten (10) days following Landlord's submittal to Tenant of a
final accounting of Tenant's Costs, Tenant shall pay Landlord the then remaining
balance of Tenant's Costs, or Landlord shall reimburse Tenant as to any excess
amounts previously paid, as the case may be.

          (4) Tenant's right to any undisbursed portion of the Tenant
Improvement Allowance shall expire one year following the Redefined Premises
Commencement Date.

     (b) Tenant's Costs represent a reimbursement of monies expended by Landlord
on Tenant's behalf. Payment when due shall be a condition to Landlord's
continued performance under this Work Letter. Any delay in construction of the
Tenant's Improvements or in Tenant taking occupancy of this Premises, resulting
from Tenant's failure to make any Tenant's Costs payment when due shall be
Tenant's responsibility. Tenant's failure to pay any portion of Tenant's Costs
when due shall constitute a default under the Lease (subject to any applicable
notice requirements or grace periods), entitling Landlord to all of its remedies
thereunder.

     (c) Tenant shall not receive any credit or payment for any unused portion
of the Tenant Improvement Allowance, and Tenant's right to any unused portion
shall expire one (1) year following the Redefined Premises Commencement Date as
defined in the Fifth Amendment.

3.   PLANS AND SPECIFICATIONS; CONSTRUCTION BUDGET:

     (a) The Tenant Improvements shall be completed in accordance with detailed
architectural and engineering working drawings and material specifications (the
"Plans and Specifications") which shall be prepared at Tenant's expense (subject
to offset by the Tenant Improvement Allowance) and shall be in a form and
content as necessary to allow Landlord's contractor(s) to obtain all required
building permits and approvals. The Plans and Specifications shall include the
following:

          (1)  fully dimensioned architectural plan;

          (2)  electric/telephone outlet diagram;

          (3)  reflective ceiling plan with light switches;

          (4)  mechanical plan;

          (5)  electric power circuitry diagram;

          (6)  schematic plumbing riser diagram (if any);

          (7)  all color and finish selections; and

          (8)  all special equipment and fixture specifications.

     (b) Tenant may utilize either the space planner architect designated by
Landlord ("Landlord's architect"), or some other licensed architect or space
planner in preparation of items (1) through (3), (7) and (8) as provided in
subparagraph (a) of this Section; provided that if Tenant elects to use some
other licensed architect or space planner, that portion of the Plans and
Specifications must

<PAGE>

be sealed as may be required for issuance of a building permit by an architect
duly licensed in the State of Florida. In any event, items (4), (5) and, if
necessary, item (6) must be prepared by the engineer(s) designated by Landlord
("Landlord's engineers"). Any charges to be paid to Landlord's architect and
engineers by Tenant in connection with the preparation of the Plans and
Specifications shall be deemed to be part of Tenant's costs.

     (c) Tenant shall pay the full cost (subject to offset by the Tenant
Improvement Allowance), as reasonably determined by Landlord, of the Plans and
Specifications prepared in connection with any Non-Standard Improvements.

     (d) Landlord shall cause the Plans and Specifications to be prepared and
submitted to the Tenant no later than September 12, 2001. Tenant shall then have
a period of not more than ten (10) days following such submittal in which to
review and approve the Plans and Specifications or state any objections to same
in writing. Tenant's approval shall not be unreasonably withheld, and any
objections shall be reasonable in nature and stated in sufficient detail so as
to allow necessary modification by Landlord. Landlord shall have a period of not
more than ten (10) days following receipt of Tenant's objection(s), if any, to
make necessary modifications to the Plans and Specifications and resubmit same
to Tenant in final form. Once accepted by Tenant in final form, the Plans and
Specifications may be modified only with Landlord's and Tenant's written
approval, and Tenant shall be liable for any additional costs incurred as a
result of any such change. Tenant's written approval can only be granted in
writing signed either by the President or Facilities Manager of CompBenefits
Corporation or by a representative of GS Consulting, Inc., Tenant's project
consultant, which approval shall include the cost of and delay associated with
the subject change.

     (e) Any delay by Tenant in approving the Plans and Specifications (or
granting detailed comments with respect to items which require modification) or
in responding to other Landlord submittals with the time periods set forth in
this Work Letter, in delaying Tenant payments as required herein, or in
relocating the contents of the Existing Telephone and Security Equipment Room
(as defined in the Fifth Amendment) to the New Telephone and Security Equipment
Room (as defined in the Fifth Amendment) shall be Tenant delay under this Work
Letter.

     (f) Within fifteen (15) days following receipt of the final approved Plans
and Specifications, Landlord shall have its contractor(s) prepare an estimated
budget of the cost of the Non-Standard Improvements, and shall submit same to
Tenant. The budget shall be in reasonable detail and shall reflect a unit cost
for all Non-Standard Improvements which is reasonable in amount, given the then
current market conditions pertinent to labor and material costs for such
construction. The cost of the Non-Standard Improvements, as set forth in the
budget shall also include the cost of all utilities, air-conditioning, elevator,
and security services provided during after hours construction. The budget shall
be used as a basis for calculating Tenant's Costs, if any. Following final
completion of the Tenant Improvements, Landlord shall provide Tenant with a
statement of actual costs of the Non-Standard Improvements including the cost of
any approved change orders.

4.   CONTRACTOR(S); PERMITS; PERFORMANCE BOND:

     (a) Landlord shall use its own contractor(s) and shall obtain all building
permits necessary to complete all Building Standard Improvements and any
Non-Standard Improvements, with the exception of any item(s), (whether or not
shown in the Plans and Specifications) which may be agreed in writing to be
constructed or installed by Tenant or Tenant's contractor(s).

<PAGE>

     (b) In the event that the parties hereto have agreed that Tenant will
undertake to provide some portion of the Tenant Improvements, Tenant shall use
licensed contractors, approved by Landlord, and shall be responsible for
obtaining all necessary permits and approvals at Tenant's sole expense. Tenant
shall advise its contractor(s), subcontractor(s) and material supplier(s) that
no interest of Landlord in the Premises, the Building or the Property shall be
subject to liens to secure payment of any amount due for work performed or
materials installed in the Premises and that Landlord has recorded a notice to
that effect in the public records of Miami-Dade County, Florida. Landlord shall
permit Tenant and Tenant's contractor(s) to enter the Premises prior to the
Commencement Date to accomplish any work as agreed, however Tenant agrees to
make diligent and commercially reasonable efforts to insure that its
contractor(s) does (do) not impede Landlord's contractor(s) in performance of
their respective tasks, and any interference by such contractors that results in
delay shall be Tenant delay hereunder. Landlord shall not be liable in any way
for any injury, loss, damage or delay which may be caused by or arise from such
entry by Tenant, its employees or contractor(s).

          (1) Landlord shall instruct its contractor not to commence any work in
the Existing Telephone and Security Equipment Room until Tenant's contractors
shall have first caused the relocation of the equipment located therein to the
New Telephone and Security Equipment Room or, in the alternative, to propose
safeguards to Tenant so that such contractor may protect such equipment in the
course of its installation of a new ceiling in the Existing Telephone and
Security Equipment Room in the event that such contractor finds such safeguards
to be practicable. Tenant shall be responsible, as an offset against the Tenant
Improvement Allowance, for the costs of any such safeguards. Tenant agrees that
Landlord shall not be required to complete the work to the Existing Telephone
and Equipment Room specified in the Plans and Specifications to be completed as
a condition of the Redefined Premises Commencement Date, and Landlord shall, if
such Room has not been completed before the Redefined Premises Commencement
Date, require its contractor to promptly complete such work following the
Redefined Premises Date and Tenant's written notice to Landlord that it has
removed the telephone and security equipment previously located therein.
Landlord shall instruct its contractor not to enter the Existing Telephone and
Security Equipment Room until Tenant has given notice to Landlord and its
contractor that it has completed the relocation referred to herein, or, in the
alternative, until Tenant has approved the safeguards to be proposed under this
subparagraph. Any additional costs associated with the phased completion of the
Existing Telephone and Security Equipment Room shall be Tenant's costs as offset
against the Tenant Improvement Allowance.

     (c) Landlord shall have the right to disapprove any of Tenant's contractors
or subcontractors if Landlord has reason to believe that such contractors or
subcontractors are: (i) not licensed as required by any governmental agency;
(ii) not technically qualified or sufficiently staffed to do the work; (iii) not
financially capable of undertaking the work; and/or (iv) incompatible with any
of Landlord's contractors or subcontractors working on the Building (such
incompatibility to include possible conflicts with any union contractors
employed by Landlord).

     (d) If the Non-Standard Improvements to be constructed and installed by
Landlord exceeds $100,000.00, Landlord, at its option, may require its
contractor(s) to provide a performance and payment bond(s) covering such
construction, the cost of which may be offset against the Tenant Improvement
Allowance. Should Tenant undertake construction of a portion of the Tenant
Improvements costing in excess of $100,000.00, then Tenant shall require its
contractor(s) to provide performance and payment bond(s) covering the total
value of such work. In any case, the cost of the

<PAGE>

performance and payment bond premiums shall be borne by Tenant, the cost of
which may be offset against the Tenant Improvement Allowance.

     (e) In the event that the total cost of the Tenant Improvements (including
the Non-Standard Improvements) to be constructed and installed by Landlord
exceeds $100,000.00, Landlord, at its option, may require its contractor(s) to
provide a performance and payment bond(s) covering such construction. Should
Tenant undertake construction of a portion of the Tenant Improvements costing in
excess of $100,000.00, then Tenant shall require its contractor(s) to provide
performance and payment bond(s) covering the total value of such work. In any
case, the cost of the performance and payment bond premiums shall be borne by
Tenant subject to Offset by the Tenant Improvement Allowance.

5.   CONSTRUCTION OF THE IMPROVEMENTS:

     (a) Landlord shall substantially complete the Building Standard
Improvements, and the Non-Standard Improvements, if any, in accordance with the
Plans and Specifications not later than one hundred twenty (120) days following
Tenant's approval of the Plans and Specifications, subject to delay for Tenant
Delay, force majeure, and other delays not subject to Landlord's reasonable
control. "Substantial Completion" shall mean that the Building Standard
Improvements and the, Non-Standard Improvements are sufficiently complete so as
to allow Tenant to occupy the Premises for the use and purposes intended without
unreasonable disturbance or interruption; provided that Landlord, its employees,
agents and contractors, shall be allowed to enter upon the Premises at any
reasonable time(s) following the Commencement Date as necessary to complete any
unfinished details, and such entry shall not constitute an actual or
constructive eviction of Tenant, in whole or in part, nor shall it entitle
Tenant to any abatement or diminution of rent or relieve Tenant from any
obligation under the Lease.

     (b) Tenant shall be responsible for any delay in Substantial Completion
past the scheduled date of substantial completion resulting from any of the
following causes:

          (1)  Tenant's failure to submit and/or approve the Plans and
               Specifications (or any necessary modifications or additions
               thereto) within the time periods specified in this Work Letter;
               or

          (2)  Tenant's failure to pay any portion of Tenant's Costs when due;
               or

          (3)  Tenant's specification of special materials or finishes, or
               special installations other than as may be specified by Landlord
               as Building Grade, which special items cannot be delivered or
               completed within Landlord's construction schedule (subject to
               Landlord's obligation to give Tenant notice of same as
               hereinafter provided); or

          (4)  any change in the Plans and Specifications caused and approved by
               Tenant, once finally approved and accepted by Landlord, even
               though Landlord may approve such change; as set forth in
               Subparagraph 3(d) above, such changes can be approved by Tenant
               only in writing signed either by the President or Facilities
               Manager of CompBenefits Corporation or by a representative of GS

<PAGE>

               Consulting, Inc., Tenant's project consultant, which approval
               shall include the cost of and delay associated with the subject
               change.

          (5)  the performance of or failure to perform any special work or
               installation by any person or firm employed by Tenant to do any
               work on the Premises; or

          (6)  any work stoppage or delay due to Tenant's failure to use union
               contractors or labor as required by Landlord; or

          (7)  any other delay in Substantial Completion directly attributable
               to the negligent or willful acts or omissions of Tenant, its
               employees, agents or contractor(s).

     (c)  In the event that any delay caused by Tenant results in a delay in
          Substantial Completion past the scheduled Redefined Premises
          Commencement Date as provided in the Fifth Amendment, then the
          Redefined Premises Commencement Date shall be adjusted on a day for
          day basis to correspond the number of delay days caused by Tenant, and
          the Redefined Premises Commencement Date will be deemed to have
          occurred and Tenant's rental obligations shall commence as of the date
          Landlord would have otherwise achieved Substantial Completion but for
          such Tenant's delay.

     (d)  All electrical permits and installations required as part of the
          systems furniture final installation are the responsibility of the
          Tenant and/or the system furniture installer.

     (e)  In conjunction with Landlord's review of the Plans and Specifications
          and preparation of the Construction Budget, Landlord shall advise
          Tenant of any special material, finish or fixture (other than Building
          Grade) requested by Tenant that will result in a delay in Landlord's
          construction schedule beyond the scheduled Commencement Date. In such
          event, Tenant shall either modify its specifications so as not to
          delay construction or be deemed to have accepted responsibility for
          any resulting delay.

6.   LOW VOLTAGE; PERMITS:

     The Tenant shall be responsible for providing their own telephone,
computer, and security cable and/or wiring for the Premises. This work as it
relates to low voltage wiring, requires permitting and inspections by Miami-Dade
County. Failure of Tenant's vendors or contractors to obtain required permits
and associated inspections will result in a Tenant-caused delay in occupying the
space. Landlord shall provide such assistance as Tenant may reasonably request
in association with permits, and Tenant shall reimburse Landlord for any
out-of-pocket expenses in connection with such assistance, the cost thereof
being a permissible offset against the Tenant Improvement Allowance.

7.   TENANT'S AS-BUILT VERIFICATION.

     In no event shall Tenant or any contractor, subcontractor, supplier or any
party acting by, through or under Tenant rely on the Plans and Specifications or
any Building plans submitted by Landlord for the purpose of determining final
measurements for any systems, furnishings, cabinets, electrical, mechanical or
plumbing installations or any other type of installation by Tenant whatsoever,
it being clearly understood that Tenant shall obtain field as-built measurements
and as-built plans for such purposes.

<PAGE>

                            (signature page follows)

<PAGE>

     EXECUTED BY the parties hereto simultaneously with the Fifth Amendment to
Lease and attached thereto as Exhibit "D".

Executed in the Presence of:            AMERICAN PREPAID PROFESSIONAL SERVICES,
                                        INC.

/s/ Rosa Vichcales                      By: /s/ Phyllis Klock
-------------------------------------       ------------------------------------
Signature                               Name: Phyllis Klock
                                        Title: President & COO
Rosa Vichcales
Print Name

/s/ Kimela S. Comstock
-------------------------------------
Signature

Kimela S. Comstock
Print Name

Witness as to COMPBENEFITS
CORPORATION:                            COMPBENEFITS CORPORATION

/s/ Rosa Vichcales                      By: /s/ Phyllis Klock
-------------------------------------       ------------------------------------
Signature                               Name: Phyllis Klock
                                        Title: President & COO
Rosa Vichcales
Print Name

/s/ Kimela S. Comstock
-------------------------------------
Signature

Kimela S. Comstock
Print Name

                                        WRC PROPERTIES INC.

/s/ Frances L. Cairo                    Signature: /s/ Harry St. Clair
-------------------------------------              -----------------------------
Signature                               Name: HARRY ST. CLAIR
                                        Title: ASSISTANT SECRETARY
Frances L. Cairo                        Date: 10/29/01
Print Name

/s/ Pauline Osborne-Ellis
-------------------------------------
Signature

Pauline Osborne-Ellis
Print Name<PAGE>

                                                                   Exhibit 10.49

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES

     This Sixth Amendment to Office Building Lease (hereinafter the "Sixth
Amendment") is made this day of April 19, 2006, by and between Metropolitan Life
Insurance Company, a New York corporation (as successor-in-interest from WRC
Properties, Inc.) (the "Landlord") and CompBenefits Dental and Vision, a Florida
Corporation (the "Tenant").

                                   WITNESSETH:

     WHEREAS, by lease dated April 6, 1995 (the "Lease"), Landlord leased to
Tenant certain premises at 5775 Waterford at Blue Lagoon (the "Building") 5775
Blue Lagoon Drive, Miami, Florida 33126 and being office space on the third
(3rd) and fourth (4th) floors, known as Suite 325 and Suite 400 (the
"Premises"), consisting of 15,969 rentable square feet; and

     WHEREAS, said Lease was amended by that certain First Amendment to Office
Lease Agreement dated September 6, 1995 (the "First Amendment"), Landlord and
Tenant agreed to expand the Original Premises by 4,341 rentable square feet,
known as Suite 137, 320 and 330; and

     WHEREAS, said Lease was further amended by that certain Second Amendment to
Lease Agreement dated February 11, 1997 (the "Second Amendment"), Landlord and
Tenant agreed to expand the Original Premises by 1,056 rentable square feet,
known as Suite 310; and

     WHEREAS, said Lease was further amended by that certain Third Amendment to
Lease Agreement for Office Facilities dated June 11, 1997 (the "Third
Amendment"), Landlord and Tenant agreed to expand the Original Premises by 1,155
rentable square feet, known as Suite 340; and

     WHEREAS, said Lease was further amended by that certain Fourth Amendment to
Lease Agreement for Office Facilities dated November 5, 1997 (the "Fourth
Amendment"), Landlord and Tenant agreed to expand the Original Premises by 7,394
rentable square feet, known as Suite 200; and

     WHEREAS, said Lease was further amended by that certain Fifth Amendment to
Lease Agreement for Office Facilities dated October 29, 2001 (the "Fifth
Amendment"), Tenant extended the Term of the Lease Agreement and reduced the
size of the Original Premises (15,969 rentable square feet)(the Lease, First
Amendment, Second Amendment, Third Amendment, Fourth Amendment and Fifth
Amendment hereinafter collectively referred to as the "Lease Agreement"); and

     WHEREAS, Tenant desires to extend the term of the Lease in accordance with
the terms hereinafter set forth; and

     WHEREAS, Landlord and Tenant wish to document their agreement with respect
thereto.

     NOW, THEREFORE, in consideration of the mutual covenants contained herein
and in consideration of TEN AND NO/100 DOLLARS ($10.00) and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, Landlord and Tenant hereby agree as follows:

1.   INCORPORATION OF RECITAL.

     The above recital is true and correct and is incorporated herein as if set
     forth in full.

2.   GENERAL PROVISIONS.

     All defined terms in this Sixth Amendment shall have the same meaning as in
     the Lease Agreement, except as otherwise noted. Except as amended and
     modified by this Sixth Amendment, all the terms, covenants, conditions and
     agreement of the Lease Agreement shall remain in full force and effect. In
     the event of any conflict, between the provisions of the Lease Agreement
     and the provisions of this Sixth Amendment, this Sixth Amendment shall
     control.

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 1 of 11

<PAGE>

3.   BASE RENTAL.

     Effective January 1, 2006, the Base Rental, as stated in Paragraph 10 of
     the Fifth Amendment shall be deleted in its entirety and the following
     shall be substituted in lieu thereof:

<TABLE>
<CAPTION>
                      Annual Rent Rate Per
                      Rentable Square Feet    Annualized     Monthly
From       To            of the Premises     Base Rental   Base Rental
----       --------   --------------------   -----------   -----------
<S>        <C>        <C>                    <C>           <C>
01/01/06   12/31/06          $21.25          $339,341.25   $28,278.44
01/01/07   12/31/07          $21.89          $349,561.41   $29,130.12
01/01/08   12/31/08          $22.54          $359,941.26   $29,995.11
01/01/09   12/31/09          $23.22          $370,800.18   $30,900.02
01/01/10   12/31/10          $23.92          $381,978.48   $31,831.54
01/01/11   12/31/11          $24.63          $393,316.47   $32,776.37
01/01/12   12/31/12          $25.37          $405,133.53   $33,761.13
01/01/13   12/31/13          $26.13          $417,269.97   $34,772.50
01/01/14   12/31/14          $26.92          $429,885.48   $35,823.79
01/01/15   12/31/15          $27.73          $442,820.37   $36,901.70
</TABLE>

4.   LEASE TERM.

     The Lease Term, as stated in Paragraph 3 of the Fifth Amendment, shall be
     extended such that the new expiration date shall become December 31, 2015.

5.   OPERATING EXPENSE ADJUSTMENTS.

     Tenant shall continue to pay as additional rent Tenant's pro rata share of
     Operating Expenses applicable to the Premises in accordance with the Lease
     Agreement, with the exception that effective on January 1, 2006, the
     Expense Stop with regard to the Premises shall be the greater of $10.07 per
     square foot per year or the actual Operating Expense amount for 2006.
     Effective January 1, 2006, Tenant's pro rata share is 27.28% which is
     calculated by dividing the agreed rentable area of the Premises (15,969
     RSF) by the total agreed rentable area of the Building (58,119 RSF).

6.   TENANT IMPROVEMENT ALLOWANCE.

     (a) Tenant, at its election, will submit plans before the end of 2006 for
     any improvements which require a permit.

     (b) Tenant's Plans shall be subject to Landlord's review and approval,
     which shall not be unreasonably withheld. Landlord shall accept or notify
     Tenant of its objections to Tenant's Plans within five (5) days after
     receipt thereof. Should Tenant fail to submit Tenant's Plans within the
     time period set forth in subsection (a) above, or fail to make any
     modifications Landlord may reasonably require within ten (10) days of
     notice thereof, then every day subsequent to the tenth (10th) day shall be
     a delay caused by Tenant and Paragraph 6 (g) of this Sixth Amendment shall
     apply. Notwithstanding Landlord's review and approval of Tenant's Plans,
     Landlord assumes no responsibility whatsoever, and shall not be liable for
     the manufacturer's, architect's, or engineer's design or performance of any
     structural, mechanical, electrical, or plumbing systems or equipment of
     Tenant.

     (c) Once Landlord approves Tenant's Plans, Tenant shall, at Tenant's
     expense, provide Landlord with three (3) sets of Tenant's Plans, which
     shall be signed and dated by both parties. Changes to Tenant's Plans shall
     be made thereafter only by written addendum signed by both parties.

     (d) Within fifteen (15) days following receipt of the final approved
     Tenant's Plans, Landlord shall prepare an estimated budget (the
     "Construction Budget") of the cost of the Tenant Improvements, and shall
     submit same to Tenant. The Construction Budget shall be in reasonable
     detail and shall reflect unit costs for all improvements which are
     reasonable and competitive in amount, given the then current market
     conditions pertinent to labor and material costs for such

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 2 of 11

<PAGE>

construction. Tenant shall have five (5) business days from receipt of the
Construction Budget to examine the Construction Budget and to notify Landlord of
its objections thereto. The Construction Budget shall not be deemed approved
until initialed by both parties. The Construction Budget shall be used as a
basis for calculating Tenant's Costs, as hereinafter defined, if any. Following
final completion of the Tenant Improvements, Landlord shall provide Tenant with
a statement of actual costs thereof, including the costs of any mutually
approved change orders.

     Within fifteen (15) days following receipt of the final approved Tenant's
Plans, Landlord shall also prepare a schedule (the "Work Schedule") which will
set forth the time table for completion of the Tenant Improvements, and shall
submit same to Tenant. Tenant shall then have five (5) business days from
receipt of the Work Schedule to examine the Work Schedule and notify the
Landlord of its objections thereto. The Work Schedule shall not be deemed
approved until initialed by both parties. The Work Schedule will set forth each
of the items of work to be done or approvals to be given by Landlord and Tenant
in connection with the completion of the Tenant Improvements. All Tenant
Improvements shall be performed in accordance with the Work Schedule.

(e) Following approval of the Construction Budget and Work Schedule and Tenant's
payment of Tenant's Costs, if any, Landlord shall commence and diligently pursue
construction of the Tenant Improvements in accordance with Tenant's Plans and
the Work Schedule. Landlord shall be paid a construction supervision fee in
consideration for its services hereunder equal to three percent (3%) of the
amount over the Tenant Improvement Allowance set forth in Paragraph 6 (i). Such
fee shall be payable by Tenant to Landlord one hundred percent (100%) upon
commencement of construction.

(f) Landlord shall obtain all building permits necessary to complete all Tenant
Improvements. Tenant shall bear the cost of all building permits.

(g) In connection with Landlord's review of Tenant's Plans and preparation of
the Construction Budget, Landlord shall advise Tenant in writing of any special
material, finish, or fixture requested by Tenant that will result in a delay in
Landlord's compliance with the Work Schedule. In such event, Tenant shall either
modify its specifications so as not to delay construction or be deemed to have
accepted responsibility for any resulting delay.

(h) Landlord shall provide Tenant with an allowance (the "Tenant Improvement
Allowance") as a credit against the cost of the Tenant Improvements.
Notwithstanding anything contained in the Lease to the contrary, the Tenant
Improvement Allowance shall be equal to TEN DOLLARS AND NO/100 ($10.00) per
square foot of Rentable Area of the Premises, which equates to the total amount
of ONE HUNDRED FIFTY NINE THOUSAND SIX HUNDRED NINETY AND 00/100 ($159,690.00).
To the extent that the total actual (as opposed to budgeted) costs of the Tenant
Improvements exceeds the Tenant Improvement Allowance, and Tenant has approved
all of such costs in writing in the Construction Budget or in change orders,
Tenant shall pay the full amount of such excess ("Tenant's Costs") as follows:

     (i)  Prior to commencement of construction of the Tenant Improvements,
          Tenant shall pay Landlord an amount equal to one hundred percent
          (100%) of Tenant's Costs, as such amount is then determined by
          reference to the Construction Budget.

     (ii) Within thirty (30) days following Landlord's submittal to Tenant of a
          final accounting of Tenant's Costs, Tenant shall pay Landlord the then
          remaining balance of Tenant's Costs, or Landlord shall reimburse
          Tenant any excess amounts previously paid, as the case may be.

(i) Tenant's Costs represent a reimbursement of monies expended by Landlord on
Tenant's behalf. Payment when due shall be a condition to Landlord's continued
performance under this Sixth Amendment. Any delay in construction of the Tenant
Improvements resulting from Tenant's failure to make any Tenant's Costs payments
when due shall be Tenant's responsibility. Tenant's failure to pay any portion
of Tenant's Costs when due shall constitute a default under the Lease (subject
to any applicable notice requirements or grace periods), entitling Landlord to
all of its remedies thereunder.

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 3 of 11

<PAGE>

     (j) In the event the total cost of the Tenant Improvements is less than the
     Tenant Improvement Allowance, Tenant shall not receive any credit or
     payment for any such unused portion of said Tenant Improvement Allowance.
     The Tenant Improvement Allowance is available for use anytime during 2006,
     including any work completed in 2007 based on any plans submitted by the
     end of 2006. The Allowance may be used for some additional costs including,
     but not limited to construction, the actual cost to move the furniture and
     boxes, low voltage cabling, phone and computer installation, or signage.

7.   BROKERS.

     Landlord and Tenant each represent and warrant one to the other that except
     as may be hereinafter set forth, neither of them has employed any broker in
     connection with the negotiations of the terms of this Sixth Amendment or
     the execution thereof. Landlord and Tenant hereby agree to indemnify and to
     hold each other harmless against any loss, expense or liability with
     respect to any claims for commissions or brokerage fees arising from or out
     of any breach of the foregoing representation and warranty. Landlord
     recognizes Taylor & Mathis of Florida, LLC and ICON Commercial Interests,
     L.L.C., as the sole brokers with whom Landlord has dealt in this
     transaction. ICON Commercial Interests, L.L.C shall be compensated in
     accordance with the terms and provisions of that certain Co-Brokerage
     Agreement dated March 22, 2006 attached hereto as Exhibit "B".

8.   PARKING.

     (a) During the Lease Term, Tenant shall have the non-exclusive use in
     common with Landlord, other Building Tenants, and their respective guests
     and invitees, of the non-reserved vehicle parking areas, driveways and
     pedestrian access to same located in the parking lot, subject to the rules
     and regulations promulgated by Landlord from time to time. Landlord shall
     provide for the use of Tenant and its employees three and a half spaces per
     one thousand rentable square feet leased (3.5/1000), unassigned parking
     spaces at all times (the "Spaces") in the parking lot, at no cost to
     Tenant.

     (b) Landlord shall have a right to designate the location of Tenant's
     parking and alter such designation upon reasonable notice to Tenant.
     Landlord shall also have the right to establish or modify the methods used
     to control parking in the parking lot, including without limitation the
     installation of certain control devices or the hiring of parking attendants
     or a managing agent.

     (c) Landlord shall have no liability whatsoever for any property damage or
     personal injury which might occur as a result of or in connection with the
     use of the Spaces by Tenant, its employees, agents, invitees and licensees,
     and Tenant hereby agrees to indemnify and hold Landlord harmless from and
     against any and all costs, claims, expenses, or causes of action which
     Landlord may incur in connection with or arising out of Tenant's use of the
     Spaces.

9.   PARAGRAPH 39.13 OF THE LEASE REVISED (NOTICES).

     Paragraph 39.13 of the Lease is amended to include overnight delivery
     service and to change the addresses set forth therein for Landlord and
     Tenant to the following:

     As to Landlord:          Metropolitan Life Insurance Company
                              c/o Taylor & Mathis of Florida, LLC
                              5775 Blue Lagoon Drive, Suite 102
                              Miami, Florida 33126
                              Attn: Property Manager

     With a Required Copy to:

                              Metropolitan Life Insurance Company
                              101 East Kennedy Boulevard, Suite 2330
                              Tampa, Florida 33602
                              Attn: Regional Director

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 4 of 11

<PAGE>

     As to Tenant:            CompBenefits Dental and Vision
                              5757 Blue Lagoon Drive Suite 400
                              Miami, Florida 33126
                              Attn: Office Manager

     With a Required Copy to  CompBenefits Dental and Vision
                              100 Mansell Court, East
                              Suite 400
                              Roswell, GA 30076
                              Attn: General Counsel

10.  OPTION TO RENEW.

     A. Landlord hereby grants Tenant the option to renew ("Renewal Option") the
     term of this Lease for two (2) additional term of sixty (60) months
     each (the "Renewal Term"), commencing as of the date immediately following
     the expiration of the Lease Term, such option to be subject to the
     covenants and conditions hereinafter set forth in this Paragraph.

     B. Tenant shall give Landlord written notice (the "Renewal Notice") of
     Tenant's election to exercise its Renewal Option not later than one hundred
     eighty (180) days prior to the expiration of the then current term of this
     Lease: provided that Tenant's failure to give the Renewal Notice by said
     date, whether due to Tenant's oversight or failure to cure any existing
     defaults or otherwise, shall render this Renewal Option null and void.
     Within twenty (20) days of receipt of such notice, Landlord shall advise
     Tenant of the new "Base Rental" for the Renewal Term, which Base Rental
     shall be calculated in accordance with Paragraph E(2) below. Tenant shall
     have twenty (20) days from the date of receipt of Landlord's determination
     of the Base Rental for the Renewal Term to elect to extend the term of the
     Lease. The failure of Tenant to respond within the twenty (20) day period
     shall be deemed the election of Tenant not to extend the term of the Lease.

     C. Tenant shall not be permitted to exercise this Renewal Option at any
     time during which Tenant is in default under this Lease, subject to
     applicable notice and grace periods (if any). In the event Tenant commits
     an event of Default following exercise of this Renewal Option but before
     commencement of the Renewal Term and fails to cure any default under this
     Lease prior to the commencement of any Renewal Term, subject to applicable
     notice and grace periods, such Renewal Term may be immediately canceled by
     Landlord or Landlord may elect to waive such default or Landlord may
     consider the Renewal Term to have been part of the Lease Term and
     immediately declare the Lease in Default and Tenant shall forthwith deliver
     possession of the Premises to Landlord as of the expiration or earlier
     termination of the then current Lease Term.

     D. Tenant shall be deemed to have accepted the Premises in "as-is"
     condition as of the commencement of each Renewal Term, subject to any other
     repair and maintenance obligations of Landlord under this Sixth Amendment,
     it being understood and agreed that Landlord shall have no additional
     obligation to renovate or remodel the Premises or any portion of the
     Building as a result of Tenant's renewal of this Sixth Amendment.

     E. The covenants and conditions of this Sixth Amendment in force during the
     original Lease Term, as the same may be modified from time to time, shall
     continue to be in effect during any Renewal Term, except as follows:

          (1) The "Commencement Date" for the purposes of this Sixth Amendment
          shall be the first day of each Renewal Term.

          (2) The "Base Rental" for the first year of each Renewal Term shall be
          an amount determined by Landlord on the basis of the then prevailing
          market rental rate for office space comparable to the Premises as
          reflected in one or more leases executed by Landlord with new Building
          tenants of similar quality and size within the twelve month period
          immediately preceding commencement of such Renewal Term. If Landlord
          has not executed any lease with new Building tenants in the preceding
          twelve month period, the prevailing market rental rate determination
          shall be based on new leases for premises

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 5 of 11

<PAGE>

          comparable to the Premises herein, as executed within said twelve
          month period by owners of other office building properties located in
          Miami, Florida, that are comparable to the Building.

          (3) The "Base Year" for each Renewal Term shall be the calendar year
          during which such Renewal Term commences.

          (4) Following expiration of the final Renewal Term as provided herein,
          Tenant shall have no further right to renew or extend this Sixth
          Amendment.

     F. Tenant's option to renew this Sixth Amendment shall not be transferable
     by Tenant, except in conjunction with a permissible assignment of Tenant's
     interest in the Lease and this Sixth Amendment in accordance with the
     applicable provisions hereof.

11.  RIGHT OF FIRST OFFER/REFUSAL.

     Tenant shall be granted a one-time Right of First Offer/Refusal on all
     contiguous space that is either currently available or "becomes available"
     (which shall mean the space is vacant and the Landlord has taken
     possession) on the second (2nd) and third (3rd) floors of the Building
     (which area is hereinafter referred to as the "Right of First Offer Space"
     as delineated on Exhibit "A-l" attached hereto) provided Tenant is not then
     in default hereunder beyond any applicable grace period. Landlord shall
     during the Term of this Lease, offer all or a portion of such space for
     lease to Tenant prior to offering such space for lease to any other person
     or entity by giving Tenant written notice of the terms and conditions on
     which Landlord is willing to lease such space to Tenant. Such right shall
     be subject to and subordinate to any other rights which may already exist
     and subject to the existing tenant's renewing in their current suite. Said
     written notice shall be sent to Tenant at the address stated in the notice
     provision provided in Paragraph 9 of this Sixth Amendment. Landlord shall
     give Tenant the opportunity to respond in writing to Landlord's notice
     within five (5) business days should Tenant be interested in leasing the
     Right of First Offer Space, in which case Landlord shall submit a bona fide
     offer to Tenant to Lease the Right of First Offer Space. Tenant shall then
     have five (5) business days to either accept the terms of Landlord's offer,
     which shall be at the same terms and conditions per Tenant's existing Lease
     or to decline the offer, in which case Landlord shall be free to lease the
     Right of First Offer Space to a third party prospect. If Tenant refuses
     Landlord's offer to Lease the Right of First Offer Space, than this
     Paragraph 11 shall be canceled in its entirety and of no further force or
     effect. In the case of space that is currently available (Right of First
     Refusal Space), Landlord shall notify Tenant when it receives a "bona-fide"
     offer from a third party to lease all or a portion of such space. Tenant
     shall then have five (5) business days to either accept the terms of
     Landlord's offer, which shall be at the same terms and conditions per
     Tenant's existing Lease or to decline the offer, in which case Landlord
     shall be free to lease the Right of First Refusal Space to a third party
     prospect at the same terms contained in the original offer. If, after
     ninety (90) days, Landlord does not execute a lease with the third party,
     the refusal right will remain in effect.

12.  TERMINATION OPTION.

     Tenant shall have a one-time right to cancel its lease effective
     immediately following the eighty-fourth (84th) month of the Lease Term,
     provided that Tenant is not in default of the Lease and upon payment to
     Landlord of a termination fee equal to the amount of the Landlord's
     unamortized up-front costs associated with this transaction, including but
     not limited to brokerage fees and tenant improvements and two (2) month's
     rent at the then current rate which equales to $184,873.36. The
     cancellation option is exercisable only by written notice delivered to
     Landlord no later than the seventy-second (72nd) month of the Lease Term
     (the "Notice Period") accompanied by the aforesaid termination fee. Tenant
     shall continue to pay Base Rent and any Additional Rent during the Notice
     Period.

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 6 of 11

<PAGE>

13.  BUILDING SIGNAGE.

     Paragraph 8 of the Master Lease shall be amended to incorporate the
     following:

     Landlord agrees to allow Tenant, at its sole option and its sole cost and
     expense, to remove the Oral Health Services of Florida signage currently
     located on the exterior of Building and replace it with CompBenefits' sign
     in the same location as well as to modify the current monument sign in the
     front of the Building.

14.  NO SET-OFF.

     Tenant acknowledges, certifies, affirms, and represents that there are no
     claims, offsets, or breaches of the Lease Agreement, or any action or
     causes of action by Tenant against Landlord directly or indirectly relating
     to the Lease Agreement.

15.  ASSIGNMENT AND SUBLETTING

     Paragraph 15 of the Master Lease shall be amended to incorporate the
     following:

     Any consent required for assignment or subletting shall not be unreasonably
     withheld nor delayed by Landlord. CompBenefits shall have the right to
     sublet or assign to a parent, subsidiary or affiliate without Landlord
     consent and such assignment shall not void the expansion, cancellation or
     renewal rights in the lease. CompBenefits will be allowed to retain 50% of
     any and all profits, net of all reasonable subleasing costs incurred by
     CompBenefits. CompBenefits shall have the right to advertise and market any
     sublease space to existing tenants in the project and any existing landlord
     prospects at the time. Any legal costs associated with Landlord's review of
     a sublease shall not exceed $500. Landlord shall have ten (10) business
     days to respond to CompBenefits' written request to sublease and shall have
     no rights to recapture.

16.  Paragraphs 28.4, and 39.17 of the Master Lease shall be intentionally
     omitted.

17.  Paragraph 29 of the Master Lease shall be amended as follows:.

     Landlord's security interest in Tenant's property shall only apply if
     Tenant is in default of the Lease, beyond any curable grace period.

18.  SATELLITE ANTENNA

     Tenant shall be permitted to install, maintain, repair and replace, at its
     sole cost and expense, a satellite antenna ("Antenna") which includes a
     satellite antenna, cabling and related equipment, on the roof area of the
     Building for the exclusive use of the Tenant. Under no circumstances will
     the Antenna be larger than 18 inches in diameter without Landlord's
     reasonable approval, and will not be visible above the Building's parapet.
     The methods and location of installation shall be reasonably acceptable to
     the Landlord, and the Tenant shall be responsible for, and procure at its
     sole cost and expense, any permits necessary for the installation and
     operation of said Antenna. The Antenna shall be installed so as to comply
     with all local building codes and so as not to interfere with the normal
     use of the Property by the Landlord or other tenants, or other tenants'
     communication equipment. Landlord agrees to reasonably cooperate with
     Tenant and its contractors in efforts to procure any necessary permits, and
     shall use good faith efforts to select an installation area with adequate
     reception. At any time during the Lease Term, Tenant may, at its option, or
     at the end of the Lease Term (as extended or renewed, if applicable) Tenant
     must, remove the Antenna and shall restore the portion of the roof or other
     location which may have been damaged by removal of the Antenna to the
     condition which existed prior to the installation, normal wear and tear
     excepted. Under no conditions shall the installation or removal puncture
     the roof membrane. Tenant or its agents or representatives shall, at all
     reasonable times, be permitted use of and access to the roof or other
     location for the purpose of examination and repair of the Antenna and any
     wiring or equipment incident thereto. Landlord will not knowingly construct
     any obstacle or permit an installation of a similar system on the Property
     after the Antenna installation which will interfere with the operation of
     the Antenna, provided, if such interference becomes reasonably necessary,
     Landlord shall provide prior written notification to

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 7 of 11

<PAGE>

     the Tenant and shall make reasonable attempts to relocate the Antenna, at
     the Landlord's expense, to a suitable location reasonably agreed to by the
     Tenant. In light of the specialized nature of the Antenna, notwithstanding
     anything contained in the Lease to the contrary, Tenant shall be permitted
     to utilize the services of its choice for installation, relocation, removal
     and repair of the Antenna, the selection of which shall require the
     reasonable approval of the Landlord. In the event the Landlord contemplates
     roof or other location repair or requires access which requires temporary
     removal or relocation of the Antenna, or which may result in an
     interruption of the Tenant's telecommunications service, the Landlord shall
     (except in the event of an emergency) formally notify the Tenant at least
     thirty (30) business days prior to such contemplated work in order to allow
     Tenant to make other arrangements for such services and to schedule removal
     or relocation by personnel of its choosing as provided for hereinabove.
     Except as provided to the contrary above all costs of removal, relocation
     and re-installation shall be borne by Tenant. Tenant shall indemnify and
     hold Landlord harmless from and against any liability, damages, cost and
     expense, including reasonable attorney's fees, incurred by Landlord and
     arising out of Tenant's installation, use, maintenance and/or removal of
     the Antenna.

     IN WITNESS WHEREOF, the parties hereto have herein set their hands and
seals, effective as of the date first above written.

                                        LANDLORD:

Signed, sealed and delivered            METROPOLITAN LIFE INSURANCE COMPANY,
by Landlord in the presence of:         a New York corporation

/s/ Andrew Kennedy                      By: /s/ Charles C. Davis, Jr.
-------------------------------------       ------------------------------------
Andrew Kennedy                              Charles C. Davis, Jr.
Print Name                                  Director - OIC
                                            Real Estate Investments

/s/  Illegible
-------------------------------------

-------------------------------------
Print Name

                                        TENANT:

Signed, sealed and                      CompBenefits Dental and
delivered by Tenant in the              Vision a Florida Corporation
presence of:

/s/ Kimela S. Comstock                  By: /s/ Bruce A. Mitchell
-------------------------------------       ------------------------------------
Kimela S. Comstock                      Print Name: Bruce A. Mitchell
Print Name                              Title: Executive Vice President

/s/ Nancy E. Collins
-------------------------------------
Nancy E. Collins
Print Name

                                                                          (SEAL)

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 8 of 11

<PAGE>

                                  EXHIBIT "A-1"

                                  (FLOOR PLAN)

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 9 of 11

<PAGE>

                                  (FLOOR PLAN)

            SIXTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES
                          CompBenefits Dental & Vision
                                  Page 10 of 11

<PAGE>

                                    EXHIBIT B

                             CO-BROKERAGE AGREEMENT
                        FOR 5775 WATERFORD AT BLUE LAGOON
                                 OFFICE BUILDING

     THIS AGREEMENT, made and entered into this 22ND day of MARCH, 2005, by and
between Taylor & Mathis of Florida, LLC, (hereinafter referred to as "Taylor &
Mathis") a Georgia corporation, and ICON Commercial Interests, LLC (hereinafter
referred to as "Co-Broker"); for that certain "Registered Tenant" of Co-Broker,
CompBenefits Corporation.

                                   WITNESSETH:

     WHEREAS, Metropolitan Life Insurance Company, ("Owner"), has appointed
Taylor & Mathis as the exclusive leasing agent for the Waterford Buildings at
Blue Lagoon (the "Building"), an office building located at 5775 Blue Lagoon
Drive, Miami, Florida; and

     WHEREAS, Co-Broker desires to assist Owner and Taylor & Mathis in securing
Registered Tenant for the Building, on the terms and conditions hereafter set
forth.

     NOW, THEREFORE, for and in consideration of the mutual covenants and
conditions hereinafter set forth, the parties hereto agree as follows:

1.   Co-Brokerage Relationship:

     Owner and Taylor & Mathis hereby engage Co-Broker to assist them in the
     negotiation and execution of a lease agreement for office space in the
     Building with Registered Tenant. Taylor & Mathis shall represent Owner in
     all negotiations. Taylor & Mathis shall be compensated directly by Owner,
     and Co-Broker shall be compensated by Owner as hereinafter set forth.

2.   Compensation:

     Subject to the provisions of Paragraphs 4(d) and 4(e) hereof, Owner shall
     pay, and Taylor & Mathis shall use reasonable efforts to induce Owner to
     pay Co-Broker a leasing commission calculated at (i) four percent (4%) of
     the gross aggregate rental schedule, to be paid pursuant to the Lease
     during the first five years of the expansion term of the Lease* and two
     percent (2%) for any remaining portion of the expansion portion of the
     Lease term up to the end of the tenth (10th) year and (ii) three percent
     (3%) of the gross aggregate rental schedule to be paid pursuant to the
     Lease during the first five years of the renewal term of the Lease and two
     percent (2%) for any remaining portion of the renewal portion of the Lease
     term up to the end of the tenth (1Oth) year and; provided that such base
     rental amount shall be reduced as necessary to reflect any rental abatement
     concessions; and further provided that said amount shall not include sales
     tax, lump sum or installment payments of tenant improvement cost, operating
     expenses pass-throughs, periodic adjustments in rent based on changes in
     any economic index, utility or other cost reimbursements, parking rental
     fees, or any other additional rent items due under said Lease, nor shall
     said commission include those items set forth in Paragraph 5 of this

*    minus the difference between what the Tenant was actually paying and the
     new rent.

                                       1

<PAGE>

     Agreement. There shall be no commission paid for any portion of the
     original Lease term beyond the end of the tenth (l0th) year.

3.   Method of Payment:

     Any compensation that Owner pays to Co-Broker under Paragraph 2 hereof
     shall be paid as follows:

     (a) One-half(1/2) of the amount thereof shall be paid to Co-Broker within
     thirty (30) days a formal, binding Lease is executed between Owner, as
     landlord, and the Registered Tenant in the form approved by Owner in its
     sole discretion; and

     (b) One-half(1/2) of the amount thereof shall be paid to Co-Broker within
     thirty (30) days of such time as the Registered Tenant actually occupies
     the Leased Premises in the Building, with all required deposits and
     improvement costs, if any, paid in accordance with the Lease and the rental
     payments (or free rental period) thereunder having commenced.

4.   Conditions to Compensation:

     (a) Notwithstanding any provision of this Agreement to the contrary, it is
     understood and agreed by the parties hereto that the compensation as
     provided in Paragraph 2 hereof shall not be considered earned and Owner
     shall not be under any obligation to pay such sum or any other sum, if, for
     any reason, a formal, binding lease is not fully executed between Owner and
     the Registered Tenant in the form approved by Owner in its sole discretion.

     (b) It is further understood and agreed by the parties hereto that any
     proposal or lease submitted by a Registered Tenant shall be considered an
     offer and that Owner may either approve or reject such offer within its
     sole discretion, with or without justification or explanation.

     (c) Acceptance by Owner of the Registered Tenant's offer shall be deemed to
     occur upon the mutual execution of a written lease agreement between Owner
     and the Registered Tenant in the form approved by Owner in its sole
     discretion.

     (d) Neither Owner nor Taylor & Mathis shall be obligated to reimburse any
     expense incurred by Co-Broker in connection with leasing the Building.

     (e) Notwithstanding any other provisions of this Agreement to the contrary,
     Taylor & Mathis shall have no obligation to pay Co-Broker the leasing
     commissions as provided in this Agreement.

     (f) Notwithstanding any other provisions of this Agreement to the contrary,
     each installment of the commission shall be earned and become due and
     payable only if, at the time such installment would otherwise become due
     and payable the Lease shall not have

                                       2

<PAGE>

     been terminated in connection with any default by the Registered Tenant
     under the Lease. If Owner terminates the Lease in connection with such
     default, then Co-Broker shall not be entitled to any remaining
     installment(s) of the commission. If such default occurs before Registered
     Tenant takes occupancy under the Lease, Co-Broker shall reimburse Owner for
     that portion of the commission already paid to Co-Broker pursuant to
     paragraph 3 (a); If such default occurs after Registered Tenant takes
     occupancy under the Lease, but prior to paying the first full month's rent,
     Co-Broker shall reimburse Owner for the portion of the commission already
     paid to Co-Broker pursuant to Paragraph 3(b), but Co-Broker shall be
     entitled to retain the portion of the leasing commission payable pursuant
     to Paragraph 3(a).

5.   Extensions and Renewals of Lease Term; Additions to Leased Premises; Other
     Options:

     No compensation shall be payable to Co-Broker as a result of either (i) any
     extension or renewal of the original term of the Lease, whether or not the
     extension or renewal is the result of the Registered Tenant's exercise of
     an option to extend or renew contained in the Lease; or (ii) (iii) the
     exercise of any other option to lease or purchase contained in the Lease;
     or (iv) the Registered Tenant's purchase of the Building or any interest
     therein; or (v) any of the transactions covered in the preceding clauses
     (ii) through (iv) involving any parent, subsidiary or affiliate of the
     Registered Tenant.

6.   Duration of Registration:

     Broker's registration will be honored by Taylor & Mathis for so long as
     active negotiations with Registered Tenant continue. In the event that
     Registered Tenant does not continue active negotiations with Owner or
     Taylor & Mathis, either directly or through Co-Broker, then ninety (90)
     days following the date such active negotiations cease, all obligations of
     the parties hereto with respect to such Registered Tenant shall terminate
     and shall be null and void, unless and until Co-Broker re-registers such
     prospective tenant in accordance with Paragraph 6 hereof.

7.   Negotiations with Registered Tenant:

     Co-Broker understands and agrees that at any time, and from time to time,
     Owner and Taylor & Mathis shall be permitted to communicate or negotiate
     directly with the Registered Tenant, with or without prior notice to
     Co-Broker of such communication or negotiation; provided that Owner or
     Taylor & Mathis, as the case may be, shall use their

                                       3

<PAGE>

     best efforts to keep Co-Broker advised of any and all communications and
     the status of any negotiations with the Registered Tenant.

8.   Representation and Warranties:

     (a) Co-Broker hereby represents and warrants that it is now, and shall at
     all times while this Agreement is in effect and at the time of receipt of
     any commissions, be duly licensed under the laws of the State of Florida,
     and any political subdivision thereunder to perform the services to be
     rendered and to receive commissions under this Agreement.

     (b) Neither Owner nor Taylor & Mathis make any representation or warranty
     as to any written or oral information or proposals given to Co-Broker or
     any Registered Tenant, all such information or proposals being subject to
     errors, omissions or withdrawal without notice.

9.   Indemnification:

     Co-Broker shall defend, indemnify and hold harmless Owner and Taylor &
     Mathis and their brokers, successors and assigns, from and against any
     claim for any commission or fee by any other broker or other third party
     arising out of the negotiation or execution of the Lease, including but not
     limited to any claim to any commission arising out of or in connection with
     any extension of the Lease or expansion of the Premises.

10.  Advertising of Property:

     Nothing herein shall be construed to give Co-Broker a right to advertise
     the Building for lease, and any such advertising of the Building by
     Co-Broker is hereby prohibited.

11.  Paragraph Captions:

     The paragraph captions used in this Agreement herein are for convenience
     only and neither limit nor amplify the content of the paragraphs which they
     describe.

12.  Notice:

     Any notice, demand or request to be given pursuant to this Agreement must,
     unless otherwise expressly provided herein, be in writing and given or
     served either: (i) by depositing the same in the United States mail,
     postpaid and certified and addressed to the party to be notified, with
     return receipt requested; or (ii) by delivering the same in person to an
     officer of such party; or (iii) by prepaid telegram. Any such communication
     shall be addressed to the party to be notified at the address stated in
     this Agreement, such address being subject to change by notice given in
     accordance with this Paragraph. Notice deposited in the mail in the manner
     hereinabove described shall be effective from and after the expiration of
     three (3) days after it is postmarked. Until further notice, the addresses
     for the parties shall be as follows:

                                        4

<PAGE>

     As to Taylor & Mathis: Taylor & Mathis of Florida, LLC
                            800 Douglas Road Suite 880
                            Coral Gables, Florida 33134
                            Attn: Brian S. Gale
                                  Managing Director
                                  Brokerage Services

     As to Co-Broker:       ICON Commercial Interests, LLC
                            Miami, FL
                            Attn: Eric M. Ramer

13.  Assignment:

     Co-Broker shall not be permitted to assign all or any part of its interest
     or obligations hereunder, except in connection with a written agreement by
     and between Co-Broker and any other cooperating broker(s) which has been
     submitted to and acknowledged by Taylor & Mathis in writing in accordance
     with this Agreement.

14.  Severability:

     If any term or provision of this Agreement or the application thereof to
     any person or circumstance shall to any extent be invalid or unenforceable,
     then the remainder of this Agreement, or the application of such term or
     provision to persons or circumstances other than those as to which it is
     held invalid or unenforceable, shall not be affected thereby, and each
     term and provision of this Agreement shall be valid and enforced to the
     fullest extent permitted by law.

15.  Governing Law:

     This Agreement and the rights and obligations of the parties hereto shall
     be interpreted, construed, and enforced in accordance with the laws of the
     State of Florida.

16.  Recordation:

     Co-Broker shall not record or enter this Agreement in the Public Records of
     of Dade County, Florida, in any way, shape or form, and any attempt to do
     so by Co-Broker shall render this Agreement null and void ab initio.

17.  Entire Agreement; Amendments:

     This Agreement contains the entire agreement between the parties. The
     provisions of this Agreement may not be modified or amended, except by an
     instrument in writing and

                                        5

<PAGE>

     signed by both parties hereto.

18.  Attorneys' Fees:

     In the event of any litigation arising out of this Agreement, the
     prevailing party shall be entitled to recover from the non-prevailing party
     its cost and expenses (including, without limitation, attorneys' fees at
     all levels including appeals).

     IN WITNESS WHEREOF, the parties hereto have set their hands and seals on
the day and year first above written.

WITNESSES AS TO TAYLOR & MATHIS:        TAYLOR & MATHIS OF FLORIDA, LLC

/s/ RYAN HOLTZMAN                       By: /s/ Brian S. Gale
-------------------------------------       ------------------------------------
Signature                                   Brian S. Gale
                                            Managing Director
RYAN HOLTZMAN                               Brokerage Services
Print Name

/s/ Nicole Dominguer
-------------------------------------
Signature

Nicole Dominguer
Print Name

                                        CO-BROKER:

WITNESSES AS TO CO-BROKER:              ICON COMMERCIAL INTERESTS, LLC

/s/ Gins E Dole                         By: /s/ HARRY DE ANTONIO
-------------------------------------       ------------------------------------
Signature                               Name: HARRY DE ANTONIO
                                              BK 3162088
Gins E Dole                             As Its: President/Owner/Broker
Print Name

-------------------------------------
Signature

-------------------------------------
Print Name

                                        6

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