Document:

EX-4.4:

 

Exhibit 4.4

[FORM OF CUSTODIAN AGREEMENT]

 

    
Name
    of Organization
    

 

    (“Organization”)

 

    
Type
    of Organization

    

    

 

 

	 	 	 	 	 
	

    o  Corporation
    

	
 
	
    o  Limited
    Liability Company (LLC)
    
	
 
	
    o  General
    Partnership (GP)
    

	

    o  Trust
    

	
 
	
    o  Limited
    Liability Partnership (LLP)
    
	
 
	
    o  Limited
    Partnership (LP)
    

    o  Other

(Specify)   

 

    Organized Under the Laws

of   

 

    
Definitions

    

    

 

    “Agreement/Resolutions”
    means this Agreement/Resolutions.
    

 

    “Governing
    Body” means, if the
    Organization is (i) a trust, all of its trustees,
    (ii) a limited partnership, all of its general partners,
    (iii) a corporation, all of its directors, (iv) a
    general partnership or limited liability partnership, all of its
    partners, (v) a limited liability company, all of its
    managers, if manager-managed, or all of its members, if member
    managed, and (vi) any other entity, the governing body of
    such entity.
    

 

    “HSBC”
    means each of HSBC Bank USA, National Association, HSBC Private
    Bank International and HSBC Brokerage (USA) Inc. and any other
    broker-dealer affiliate of any of them, as applicable, and their
    respective successors and assigns.
    

 

    “HSBC
    Group” means each
    of HSBC Holdings plc, its subsidiaries and affiliates
    (including, without limitation, HSBC), and their respective
    successors and assigns.
    

 

    “Representative”
    refers to any person listed as a Representative in the
    corresponding section below.
    

 

    
Certification

    

    

 

    Each of the undersigned certifies
    that:
    

 

 

		
	    • 
	    This Agreement/Resolutions constitutes (i) the
    certification of the individual signatories executing this
    Agreement/Resolutions, (ii) the agreement of the
    Organization, binding on the Organization through the
    signatures(s) of its duly authorized representatives signing
    this Agreement/Resolutions, and (iii) the written consent
    of the members of the Governing Body of the Organization, duly
    adopting, as the agreements and resolutions of the Organization,
    each paragraph set forth below in the section
    “Agreement/Resolutions.”

	 
	    • 
	    This Agreement/Resolutions, including, without limitation, the
    appointment of the Representatives and the powers and authority
    granted to the Representatives and HSBC and the HSBC Group, has
    been duly authorized, granted, made, adopted, or consented to,
    and not rescinded or amended, by the Organization’s
    Governing Body, shareholders, members, beneficiaries or other
    persons, as required and applicable. Neither the execution of
    this Agreement/Resolutions nor any action taken or to be taken
    under this Agreement/Resolutions are or will be in contravention
    of any provisions of the Organization’s organizational
    documents (whether memorandum, certificate or articles of
    incorporation or association, bylaws, partnership agreement,
    operating agreement, trust agreement or other charter or ruling
    documents, as applicable) or governing law.

    

    1

 

 

			
	 	 	    This Agreement/Resolutions and actions taken or to be taken
    pursuant hereto have been duly authorized by all necessary
    action on behalf of the Organization, as required by and
    applicable to the Organization, and in compliance with any and
    all agreements and laws binding on the Organization and its
    Governing Body, shareholders, members, beneficiaries or other
    persons, as applicable.
	 
	 	    • 
	
    The Representatives section below accurately sets out the
    respective titles, functions and signatures of the persons named
    in that section.

	 
	 	    • 
	
    The signatories to this Agreement/Resolutions are all of the
    members of the Organization’s Governing Body, and, if
    applicable, any additional person or persons who are authorized
    to bind the Organization as officers or other authorized
    signatories thereof.

	 
	 	    • 
	
    The Organization is duly organized and validly existing under its
    jurisdiction of organization and is in good standing there and
    in each other jurisdiction in which it is qualified to do
    business (such other jurisdictions being the only ones in which
    such qualification is necessary). The name, type and
    jurisdiction of organization of the Organization are as
    indicated above.

 

    Agreement/Resolutions

 

    Deposits and
    Withdrawals
    

 

			
	 	    • 
	
    HSBC is hereby designated as a depositary of the Organization,
    under the terms of HSBC’s rules and service agreements, as
    applicable, and as in effect from time to time, for the funds
    and assets of the Organization whether at HSBC’s head
    office or at any of its branches;

	 
	 	    • 
	
    HSBC is authorized to accept for deposit for the Account of the
    Organization for credit, collection or otherwise, any and all
    instruments or items, whether indorsed by any person or by hand
    stamped impression in the name of the Organization, or without
    indorsement;

	 
	 	    • 
	
    HSBC is authorized to pay, cash or otherwise honor and charge to
    the Organization any and all checks, drafts, notes, acceptances
    and other instruments, items, and orders for the payment or
    withdrawals of monies, credits, items and property at any time
    held by or through HSBC for the Account of the Organization,
    including those which may cause an overdraft, when made, signed,
    given, drawn, accepted or indorsed on behalf of the Organization
    by any one of the Representatives;

	 
	 	    • 
	
    HSBC is authorized to pay any such instrument, item or order, or
    make any such charge, and also to receive the same from the
    payee or any other holder without limit as to amount and without
    inquiry as to the circumstances of issue or the disposition of
    proceeds even if drawn to the individual order of any signing
    person, or payable to HSBC or any other person for such other
    person’s Account, or tendered in payment of such
    person’s individual obligation and whether drawn against an
    Account in the name of the Organization, or in the name of any
    officer, agent, employee, director, manager, member, trustee,
    partner, settlor or beneficiary of the Organization, and, at the
    option of HSBC, even if the Account shall not be in credit to
    the full amount of such instrument, item, order or charge;

	 
	 	    • 
	
    If due, in whole or in part, to any unauthorized act of an
    officer, agent, employee, director, manager, member, trustee or
    partner of the Organization (for example, the unauthorized
    issuance, endorsement or alteration of a check or draft of the
    Organization), HSBC makes unauthorized payments from the
    Organization’s Account or otherwise suffers a loss, the
    loss shall be borne in full by the Organization and HSBC shall
    not be required to re-credit the Account of the Organization. In
    addition, the Organization shall indemnify and pay to HSBC on
    demand the amount of any and all of its losses, costs, damages
    or expenses (including but not limited to attorney’s fees
    and disbursements) which HSBC has suffered and which result from
    or arise in whole or part out of the unauthorized act;

	 
	 	    • 
	
    Where HSBC has a duty to exercise ordinary care or to meet
    reasonable commercial standards, that duty shall not exceed the
    obligation to recognize (i) a forged signature of its
    depositors, (ii) alterations, or (iii) other defects;
    in each case, if readily apparent and recognizable on the face
    of the instrument by an ordinary bank teller; and

	 
	 	    • 
	
    Where a depositor has provided HSBC with documentation stating that an employee is authorized to draw checks, HSBC may pay said checks without inquiry.

2

 

    
Securities,
    Investments and Trading

 

 

    Each Representative is authorized, acting singly, on behalf of
    the Organization, with any entity within the HSBC Group:

 

			
	•	 
	
    To purchase and sell (INCLUDING SHORT SALES), tender, lend,
    convert or exercise and otherwise trade and deal, at the
    Organization’s risk, on margin or otherwise, in any kind of
    U.S. and foreign (including emerging markets, speculative and
    high-risk) shares, stocks, commodities, bonds, notes, other
    obligations, mutual and other funds, precious metals, metals,
    foreign exchange, financial assets, annuities, indices, futures,
    warrants and when-issued securities, and any and all other
    registered or unregistered, listed or over the counter, rated,
    low-rated or unrated securities and other investments in any
    currency, as well as derivatives, contracts, rights, and
    interests in, on and in respect of any of the above (including
    without limitation transactions which would result in uncovered
    short positions in option contracts or in the uncovering of any
    existing short position in option contracts) and any and all
    other financial products and investments (the
    “Securities”);

	 
	•	 	
    To execute agreements, give receipts and instructions, make
    withdrawals and authorize deliveries (including to bearer and to
    any person designated by such Representative) of any kind, open
    any Accounts of any type, and to do, and omit to do, any other
    act with respect to any Securities; and

	 
	•	 	
    To appoint anyone (including HSBC or another HSBC Group member)
    as discretionary or non-discretionary investment advisor or
    other type of advisor to the Organization.

 

    
Credit,
    Security Interests, Discount, Subordination

 

 

    Each Representative is authorized, acting singly, on behalf of
    the Organization:

 

			
	•	 	
    To borrow money, obtain, guarantee and repay credit from any
    entity within the HSBC Group on any terms without restriction or
    limitation, and to make and deliver notes, drafts, acceptances,
    applications and agreements for letters of credit, guarantees,
    indemnities, any other obligation of the Organization therefor,
    and other agreements or undertakings; to enter into margin
    agreements with any entity within the HSBC Group; in each case
    in form and substance satisfactory to such entity, as applicable;

	 
	•	 	
    As security for any and all obligations of the Organization, or
    of any other natural or legal person (including without
    limitation the Representatives), to any entity within the HSBC
    Group, whether past, present or future, to grant security
    interests in, assign, pledge, create any lien, charge or
    encumbrance upon, withdraw, deliver, exchange or substitute,
    instruments, deposits, Securities and any other property held by
    or belonging to the Organization, with full authority to
    indorse, assign or guarantee the same in the name of the
    Organization, to execute and deliver security agreements and all
    instruments and agreements of assignment, transfer,
    hypothecation, powers of attorney, mortgage, pledge, trust,
    control, and others, in form and substance satisfactory to such
    entity; and

	 
	•	 	
    To discount any bills receivable and other negotiable or
    non-negotiable paper; to subordinate and assign any obligations
    and debts owed to the Organization by another or others, an in
    connection therewith, execute and deliver instruments of
    subordination and assignment and other agreements in form and
    substance satisfactory to the applicable entity within the HSBC
    Group.

 

    
Additional
    Authority

 

 

    Each Representative is authorized, acting singly, to enter into
    any agreement related to any of the above, and to enter into any
    other agreements of any kind, or to open any Accounts of any
    kind and for any purpose, in each case with any entity within
    the HSBC Group. Each Representative is authorized, acting
    singly, to do any and all acts, and execute any and all
    releases, representations, indemnifications, settlements and
    documents which the Representative may deem necessary or
    desirable to carry out the purpose of this Agreement/Resolutions
    or any provision in it or in any agreement or document referred
    to in this paragraph. Each Representative may exercise its
    authority in any manner authorized by the HSBC Group, including,
    without limitation, in person, in writing (including by fax), by
    phone, e-mail or other electronic medium, and the HSBC Group
    shall be entitled to rely on and is authorized to honor
    instructions and agreements given to it pursuant to any of these
    methods without any further inquiry.

3

 

    Indemnification

 

    The Organization and its partners (other than the limited
    partners of a limited partnership), members, trustees, agents
    and attorneys-in-fact and their respective successors, assigns,
    heirs, executors and legal representatives (collectively, the
    “Indemnifying Persons”) agree, jointly and severally,
    to hold the HSBC Group and the employees, officers, directors
    and agents of any of them (“Indemnified Persons”)
    harmless from, and indemnify the Indemnified Persons against,
    any and all claims, actions, suits, proceedings, liabilities,
    damages, costs, losses, expenses (including attorneys’ fees
    and disbursements) based on, arising out of, attributable to or
    resulting from, whether directly or indirectly, this
    Agreement/Resolutions and its provisions, and any act or failure
    to act by any Indemnified Person in reliance thereon.

 

    Governing
    Law; Jurisdiction; Waiver of Jury Trial

 

    If this Agreement/Resolutions relates to Accounts established
    and/or maintained at (i) HSBC Bank USA, National
    Association (other than in the State of California) or HSBC
    Brokerage (USA) Inc. or any other broker-dealer affiliate of any
    of them, it shall be subject to the laws of the State of New
    York, without regard to conflicts of law principles thereof, and
    actions relating to this Agreement/Resolutions may be commenced
    only in New York state or federal court in New York County;
    (ii) HSBC Private Bank International, it shall be subject
    to the laws of the State of Florida, without regard to conflicts
    of law principles thereof, and actions relating to this
    Agreement/Resolutions may be commenced only in Florida state or
    federal court in Dade County, (iii) branches of HSBC Bank
    USA, National Association located in the State of California, it
    shall be subject to the laws of the State of California, without
    regard to conflicts of law principles thereof, and actions
    related to this Agreement/Resolutions may be commenced only in a
    California state or federal court in Los Angeles County. The
    Organization, each of the undersigned and each Indemnifying
    Person hereby submits, in such circumstances, to the
    jurisdiction of such above referenced courts for any dispute
    arising directly or indirectly out of this
    Agreement/Resolutions, each agrees that service of process in
    such action shall be valid when made by registered or certified
    mail to their last address in the records of the relevant entity
    in the HSBC Group, and each waives any objection it may have to
    jurisdiction or venue in such court or any objection or defense
    of inconvenient forum in such court. EACH APPLICABLE ENTITY
    IN THE HSBC GROUP, THE ORGANIZATION, EACH OF THE UNDERSIGNED AND
    EACH INDEMNIFYING PERSON HEREBY WAIVE ANY RIGHT SUCH PERSON OR
    ENTITY MAY HAVE TO A JURY TRIAL IN SUCH COURTS WITH RESPECT TO
    ALL MATTERS ARISING OUT OF OR RELATED TO THIS
    AGREEMENT/RESOLUTIONS.

 

    Ratification/Revocation

 

		
	    • 
	    All transactions and agreements previously entered into, and all
    acts done or omitted in the name of or for the Account of the
    Organization, with or through the HSBC Group, including, but not
    limited to, transactions and agreements such as those indicated
    in this Agreement/Resolutions, are hereby ratified, confirmed and
    approved.

	 
	    • 
	    The relevant HSBC branch or office may rely on this
    Agreement/Resolutions as to the Organization’s Accounts
    with it until it receives written notice of revocation at the
    address of the office or branch where such Account is maintained
    or to such other address specified in writing by HSBC, and has
    had a reasonable opportunity to act on it. In the case of a
    partnership or limited liability partnership, each partner
    (other than the limited partners of a limited partnership) will
    remain jointly and severally liable for all obligations of the
    partnership, or of any present or future partner, incurred or
    contracted before receipt of notice and opportunity to act on
    such notice by the relevant HSBC office, as to any dissolution
    or termination of the partnership (whether by the death,
    resignation or removal of any partner or otherwise). All notices
    shall be sent to the relevant HSBC branch or office at its
    address or to such other address specified in writing by HSBC.
    This Agreement/Resolutions is in addition to, and not in
    replacement of, designations of authority previously or
    simultaneously provided to HSBC, all of which may continue to be
    relied upon by HSBC. Unless specifically designated as a
    revocation, this Agreement/Resolutions and future designations
    of Representatives or other authorized persons shall be
    cumulative and will be deemed additions, not substitutions.
    Any one of the following: corporate secretary or any officer,
    general partner, partner (other than a limited partner of a
    limited partnership), member, manager or trustee (in the case,
    respectively, of a corporation, limited partnership, partnership
    or limited liability partnership, limited liability company or trust, as the case may be) is hereby authorized to change
    existing and to provide new designations of Representatives or
    other authorized persons. HSBC may, but is not required to,
    request confirmation of authority of any Representative.

4

 

    Representatives
    

 

    As certified above, each of the Representatives is listed below.

 

    [Specify name, title or function of representatives of the
    Organization who have power and authority to act under this
    Agreement/Resolutions and bind the Organization (e.g.:
    president, general partner, manager, member, agent,
    attorney-in-fact, investment advisor, trustee).]

 

	 	 	 	 	 
	
    Print Name
	
 
	
    Title/Function
	
 
	
    Signature 

    

	 
	
1

	
 
	
 
	
 
	
 

	
 
	
 
	
 
	
 
	
 

	

    2

	
 
	
 
	
 
	
 

	
 
	
 
	
 
	
 
	
 

	

    3

	
 
	
 
	
 
	
 

	
 
	
 
	
 
	
 
	
 

	

    4

	
 
	
 
	
 
	
 

	
 
	
 
	
 
	
 
	
 

	

    5

	
 
	
 
	
 
	
 

	
 
	
 
	
 
	
 
	
 

	

    6

	
 
	
 
	
 
	
 

	
 
	
 
	
 
	
 
	
 

 

    Special Provisions
    (if any)

 

 

    Signatures
    (see signature
    instructions on next page)

 

    Certification, consent and agreement:

 

    Date _
    _

 

	 	 	 
	
    Print 

    
	
 
	
 

	 
	

    Name/Title

	
 
	
    Signature

	
 

	
 

	

    Name/Title

	
 
	
    Signature

	
 

	
 

	

    Name/Title

	
 
	
    Signature

	
 

	
 

	

    Name/Title

	
 
	
    Signature

	
 

	
 

	

    Name/Title

	
 
	
    Signature

	
 

	
 

	

    Name/Title

	
 
	
    Signature

	
 

	
 

	

    Name/Title

	
 
	
    Signature

	
 

	
 

 

    Corporations only
    

 

		
	    Seal:                     	
    If the Organization has not added its seal, the Organization
    warrants to HSBC that in accordance with the laws under which
    the Organization was incorporated this document will be valid
    without the seal being impressed hereon.

    

    5

 

    Instructions for Signatures
    

 

    U.S. Corporations: Provide signatures of the vice
    president (or above) and secretary.

 

    U.S. Limited Partnership (LP): Provide signatures of
    all general partners.

 

    U.S. General Partnership and Limited Liability
    Partnership (GP and LLP): Provide signatures of all partners.

 

    U.S. Limited Liability Company (LLC): Provide signatures
    of all members or of all managers if manager-managed, and in
    addition, if it has officers, its vice president (or above) and
    secretary.

 

    U.S. Trust: Provide signatures of all trustees.

 

    Foreign Corporations and Other Foreign Organizations:
    Provide signatures of all required directors and trustees, as
    applicable. If corporation has an attorney-in-fact please also
    provide his/her signature.

 

    All: If there are insufficient spaces above for the
    signatures of all required signatories, please make one or more
    additional copies of preceding page and provide additional
    signatures on such copy (or copies).

    

    6<PAGE>
                                                                   EXHIBIT 10.1

                           AMENDMENT TO LOAN AGREEMENT

This Amendment to Loan Agreement is made on September 27, 2006 ("Effective
Date") between FAMILY HOME HEALTH SERVICES INC., a Nevada corporation
("Borrower"), of 801 W. Ann Arbor Trail, Suite 200, Plymouth, Michigan
48170-1694 and COMERICA BANK, a Michigan banking corporation ("Bank"), whose
address is 500 Woodward Avenue, Detroit, Michigan 48226.

PRELIMINARY STATEMENT: Borrower and Bank entered into an Amended and Restated
Loan Agreement dated April 5, 2006 ("Loan Agreement") providing terms and
conditions governing certain loans and other credit accommodations extended by
Bank to Borrower ("Indebtedness"). Borrower and Bank have agreed to amend the
terms of the Loan Agreement as provided in this Amendment. Borrower has
requested that Bank make additional loans or other credit available under the
Loan Agreement.

AGREEMENT:  Accordingly, Borrower and Bank agree as follows:

1. Capitalized Terms. In this Amendment, capitalized terms that are used without
separate definition shall have the meanings given to them in the Loan Agreement.

2. Amendments. The Loan Agreement is amended as follows:

         2.1 The following term, defined in the Loan Agreement, is given the
following amended definition:

                  "Line of Credit Amount" means, as of any applicable date of
         determination, One Million Eight Hundred Thousand Dollars ($1,800,000).

         2.2 Section 6.16 is added to the Agreement and shall read as follows:

                  "6.16 Mandatory Prepayment. Upon the earlier of (a) the
         receipt of additional equity from Barron or (b) December 31, 2006,
         Borrower shall prepay the Term Loan so that the outstanding principal
         balance of the Term Loan is less than $1,500,000."

3. Representations. Borrower represents and agrees that:

         3.1 Except as expressly modified in this Amendment, the
representations, warranties, and covenants set forth in the Loan Agreement and
in each related document, agreement, and instrument remain true and correct,
continue to be satisfied in all respects, and are legal, valid and binding
obligations with the same force and effect as if entirely restated in this
Amendment.

         3.2 When executed, this Amendment will be a duly authorized, legal,
valid, and binding obligation of Borrower enforceable in accordance with its
terms.

         3.3 There is no default continuing under the Loan Agreement, or any
related document, agreement, or instrument, and no event has occurred or
condition exists that is or, with the giving of notice or lapse of time or both,
would be such a default.

4. Conditions. The effectiveness of this Amendment is conditioned upon
Borrower's payment of a $5,000 amendment fee to Bank and delivery to Bank of all
documents required by Bank.

<PAGE>

5. Waiver of Default. Bank waives any default or Event of Default under the Loan
Agreement arising out of Borrower's failure to comply with Sections 6.2 and 6.3
for the periods ending December 31, 2005, March 31, 2006 and June 30, 2006,
("Identified Default") but not for any subsequent time or period. This provision
is not a waiver of or consent to any other event, condition, transaction, act or
omission whether related or unrelated to the Identified Default.

6. No Other Changes. Except as specifically provided in this Amendment, it does
not vary the terms and provisions of any note, mortgage, security agreement, or
other document, instrument, or agreement evidencing, securing or relating to the
Indebtedness or the Loan Agreement ("Loan Documents"). This Amendment shall not
impair the rights, remedies, and security given in and by the Loan Documents.
The terms of this Amendment shall control any conflict between its terms and
those of the Loan Agreement.

7. Ratification. Except for the modifications under this Agreement, the parties
ratify and confirm the Loan Agreement and the Loan Documents and agree that they
remain in full force and effect.

8. Further Modification; No Reliance. This Amendment may be altered or modified
only by written instrument duly executed by Borrower and Bank. In executing this
Amendment, Borrower is not relying on any promise or commitment of Bank that is
not in writing signed by Bank.

9. Confirmation of Lien Upon Collateral. Borrower acknowledges and agrees that
the obligations of Borrower under the Loan Agreement and the Loan Documents and
the individual advances under the Indebtedness, are secured by the Collateral
(as defined in the Loan Agreement) and that the Loan Agreement and the Loan
Documents constitute valid, legal, and binding agreements and obligations of
Borrower. The Collateral is and shall remain subject to and encumbered by the
lien, charge, and encumbrance of any applicable Loan Document, and nothing
herein contained shall affect or be construed to affect the lien or encumbrance
created by any applicable Loan Document respecting the Collateral, or its
priority over other liens or encumbrances.

10. Successors and Assigns. This Amendment shall inure to the benefit of and be
binding upon the parties and their respective successors and assigns.

11. Governing Law. The parties agree that the terms and provisions of this
Amendment shall be governed by and construed in accordance with the internal
laws of the State of Michigan, without regard to principles of conflicts of law.

12. No Defenses. Borrower acknowledges, confirms, and warrants to Bank that as
of the date hereof Borrower has absolutely no defenses, claims, rights of
set-off, or counterclaims against Bank under, arising out of, or in connection
with, this Amendment, the Loan Agreement, the Loan Documents and/or the
individual advances under the Indebtedness, or against any of the indebtedness
evidenced or secured thereby.

13. Expenses. Borrower shall promptly pay all out-of-pocket fees, costs,
charges, expenses, and disbursements of Bank incurred in connection with the
preparation, execution, and delivery of this Amendment, and the other documents
contemplated by this Amendment.

14. Counterparts. This Amendment may be executed in one or more counterparts,
and by separate parties on separate counterparts, all of which shall constitute
one and the same agreement.

                                      -2-

<PAGE>

This Amendment to Loan Agreement is executed and delivered as of the Effective
Date.

COMERICA BANK                              FAMILY HOME HEALTH SERVICES INC.

By:                                        By:
    -----------------------------              --------------------------------
       Timothy J. Campbell                          Kevin Ruark
Its:   Vice President                      Its:     CEO

                    ACKNOWLEDGEMENT AND CONSENT OF GUARANTORS

         Each of the undersigned has guaranteed the payment and performance of
the Indebtedness by Borrower pursuant to Guaranty dated November 10, 2005. Each
of the undersigned acknowledges and consents to the execution, delivery and
performance of the foregoing Amendment to Loan Agreement and agrees that its
guaranty remains in full force and effect.

Signature:
           -----------------------------
Name:    Kevin Ruark
Dated:
       ---------------------------------

Signature:
           -----------------------------
Name:    James Pilkington
Dated:
       ---------------------------------

                                      -3-

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