Document:

Exhibit
10.2

memo

	
  TO

  	
  Jeff Mize

  
	
   

  	
   

  
	
  FROM

  	
  Chris Moore

  
	
   

  	
   

  
	
  RE

  	
  International Assignment

  
	
   

  	
   

  
	
  DATE

  	
  March 16, 2003

  

 

We are pleased to confirm
your international assignment to Frankfurt, Germany where you will serve as the
General Manager/Vice President of Vehicle Applications for Europe.  You will be conducting your responsibilities
via extended business trips until mid-summer and then will become a local hire
in Germany for a period intended to be less than 365 days (approximately mid-summer
2004).  Your seniority date with the
Company (March 5, 2001) will continue through this assignment as it relates to
years of service, stock option vesting, PTO benefit and 401k.

You are being promoted
for this assignment and your annual salary is $190,000 effective January 20,
2003.  You will continue to participate
in the NTC Sales Incentive Plan with a bonus potential of 0 to 35%.  When the Stock Plan Administrator authorizes
the next stock option grant, you will receive a new stock option grant commensurate
with the vice president level.  We are
unable to confirm an effective date for that stock grant.

During your assignment in
Europe, you will be entitled to a company car within the established
guidelines.  Your salary as a German
local hire will be 190,000 Euros with the same bonus potential.  You will be eligible for annual salary
increases based on performance, keeping in mind the possibility of salary
freezes as determined by the President and CEO. 
The Company will bear certain relocation costs associated with your
assignment and these are outlined in the attached document (Relocation
Assistance Summary – March 2003).  This
includes allowances for the sale of your house in California, moving, children’s
education, a monthly goods and services differential, and a housing cost
differential, as well as certain actual costs, e.g., moving and storage.  Unanticipated costs associated with your
relocation including taxes will be evaluated when they occur and at the end of
your assignment.  The Company will
provide tax preparation assistance for 2003 and 2004.

You understand that the
terms of this letter do not imply employment for a specific period and thus
your employment is at will; either you or the Company can terminate it at any
time, with or without cause.  Relocation
consideration, should termination occur during the assignment, is addressed in
the attached document.

When your international
assignment is completed (estimated to be the summer of 2004), the Company, in
its sole discretion, will either reassign you to a comparable position at the
vice president level somewhere in the Company, or, in the event that a
comparable position is not offered to you and the Company initiates your
termination (not including termination for cause), the Company will provide you
with the following:  severance pay equal
to six (6) months base cash compensation, payable either monthly or as an
initial lump sum, a bonus at 35% of your salary for the six months, and
continuation of the basic, non-elective medical, dental and vision benefits for
a period of six (6) months.  This
severance commitment is only applicable for this specific international
assignment.

	
  

  	
  Navigation Technologies Corporation

  
	
   

  	
  10400 West Higgins Road Rosemont Illinois 60018-3702
  USA

  
	
   

  	
  Tel + 847 795 7000 Fax + 1 847
  699 6556 www.navtech.com

  

 

May 7, 2007

We wish you the best of
success in your assignment.

Sincerely,

	
  /s/ Chris Moore

  	
  Date:

  	
  May 2, 2003

  	
   

  

Chris Moore

Vice President - Human Resources

Attachment – Relocation
Assistance Summary – March 2003

Agreed to and accepted:

	
  /s/ Jeff Mize

  	
  Date:

  	
  May 2, 2003

  	
   

  
	
  Jeff Mize

  

 

 2

Jeff
Mize - Relocation Assistance Summary

April 2003

The following outlines
the details of the relocation assistance that will be provided for your
European Assignment:

Moving and Storage – NT will select
and pay the mover for your household goods shipment from your current residence
to your new residence in Germany.  In
addition, NT will contract with mover for the storage of household goods that
will be stored during your assignment. 
Allowable expenses include:

·      Cost of packing and moving normal household
goods

·      Unloading boxes at the new residence

·      Disposal of empty boxes

NT will NOT pay for shipment of:

·      Boats, Campers or other over-sized
vehicles

·      Ammunition or fireworks

·      Swimming pools, hot tubs or spas

·      Any item that requires a special truck or
trailer

At the end of your
assignment, NT will select and pay for the household goods shipment from your
German residence as well as household goods placed in storage at the beginning
of your assignment to your new residence in the United States.

House Hunting Trip
- In order to expedite the settling-in process, NT will reimburse your spouse
and four children for coach travel to the new location while searching for your
new home.   Covered expenses include
round trip air transportation, reasonable lodging, a meal allowance and
appropriate ground transportation.

House Hunting Assistance  – NT will provide a
local house hunting assistance resource. 
This resource will provide assistance in selecting a suitable community,
school and other area facilities information, and arrange your house hunting
trip itinerary.

Closing Cost Current Home
– NT will provide a one-time relocation assistance bonus in the net amount of
$70,000, to apply toward the closing cost on your current residence.

Closing Cost Future Home
(intended to be in Chicago, Ill) – NT will reimburse you for certain closing
costs associated with the purchase of your new home.  The following expenses will qualify for
reimbursement:

·                  Attorney’s
fees up to a maximum of $500

·                  Loan
service, title examination, or recording fees

·                  Title
insurance fees

·                  Document
stamps or conveyance fees

·                  Taxes
on transfer of real estate that are reasonable and customary for that area

·                  Escrow
fees

·                  Appraisal,
survey and inspection

To obtain reimbursement, you will need to submit
a copy of your HUD Statement from the purchase of your new home.

Move Allowance
– NT will provide a one-time move allowance bonus in the gross amount of
$15,000.  If the housing you secure
causes you to exceed this amount based on expenses for kitchen and related
household appliances including basic electronic devices and equipment, the
Company will reimburse you for actual expenses based on submitted receipts.

Mortgage Rate Differential
- In the event that the interest rate of a 30 year fixed mortgage increases
above 5.75% at the time of the purchase of your new home, NT will provide a
one-time lump sum payment (less applicable taxes) to offset the increase of
your first year’s interest.  The payment
will be capped at a maximum of seven thousand five hundred dollars ($7,500.00)

Trip Home
– In addition to the house hunting trip, NT will provide one trip to the U.S.
per calendar year for your family. 
Covered expenses include round trip coach air transportation and
appropriate ground transportation.

Housing Differential
–NT will provide a monthly housing differential equal to the actual cost of
your German Residence less your current monthly mortgage payment (principle and
interest).

Goods and Services Differential
– NT will provide a monthly cost of living allowance in the amount of 700 Euros
(gross).  NT will also provide
reimbursement for overall incremental expenses (in excess of the monthly
allowance) for day-to-day goods and services (e.g., food, laundry, etc).  This differential will be reimbursed at the
end of your assignment; a monthly log of expense and receipts for audit
purposes must be provided by you to facilitate an assessment.

Health and Welfare Benefits –
NT will pay the incremental (your current monthly contribution, less actual
private insurance premium) premium cost of commensurate private insurance.

Education Expense
– NT will provide reimbursement for your children’s education expenses while in
Germany.  Language lessons should be
provided for the children at their school; if not, the Company will pay for the
incremental cost for language lessons for your children, your wife and you.

Automobile Lease
– NT will provide you with one company leased vehicle based on your position.

Duplicate Housing Expenses
– In the event that you are unable to sell your current residence prior to
moving to Germany, NT will provide reimbursement for duplicate costs associated
with the residence having the lowest expenses for up to 120
days.Exhibit
10.1

FOURTH
AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

THIS
FOURTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”) is
entered into as of March 22, 2007, among UNIVERSAL
AMERICAN FINANCIAL CORP., a New York corporation (the “Borrower”), the Banks party to the
Credit Agreement (hereinafter defined) and BANK OF AMERICA, N.A.,
as the Administrative Agent for the Banks.

The
Borrower, the Banks and the Administrative Agent are party to the Amended and
Restated Credit Agreement dated as of May 28, 2004, as amended by the
First Amendment to Amended and Restated Credit Agreement dated as of June 2,
2005, the Waiver and Second Amendment to Amended and Restated Credit Agreement
dated as of December 30, 2005 and the Third Amendment to Amended and restated
Credit Agreement dated as of November 29, 2006 (the “Credit Agreement”), and
have agreed, upon the following terms and conditions, to amend the Credit
Agreement in certain respects. 
Accordingly, for valuable and acknowledged consideration, the Borrower,
the Banks and the Administrative Agent agree as follows:

1.             Terms and
References.  Unless
otherwise stated in this Amendment, (a) terms defined in the Credit Agreement
have the same meanings when used in this Amendment and (b) references to “Sections” are to the Credit
Agreement’s sections.

2.             Amendments.

(a)           The definition of “Trust
Preferred Securities” in Section 9 is amended to read in its entirety as
follows:

“Trust
Preferred Securities” shall mean (i) the Floating Rate Junior Subordinated
Deferrable Interest Debentures issued by the Borrower pursuant to the Indenture
dated as of December 4, 2002 (as amended, modified or supplemented from
time to time), between the Borrower and State Street Bank and Trust Company of
Connecticut, National Association, as trustee, and the guaranty executed in
connection therewith, (ii) the Floating Rate Junior Subordinated Deferrable
Interest Debentures issued by the Borrower pursuant to the Indenture dated as
of March 27, 2003 (as amended, modified or supplemented from time to time),
between the Borrower and Wells Fargo Bank, National Association, as trustee,
and the guaranty executed in connection therewith, (iii) the Fixed/Floating
Rate Junior Subordinated Deferrable Interest Debentures issued by the Borrower
pursuant to the Indenture dated as of May 15, 2003 (as amended, modified or
supplemented from time to time), between the Borrower and U.S. Bank National
Association, as debenture trustee, and the guaranty executed in connection
therewith, (iv) the Floating Rate Junior Subordinated Debt Securities issued by
the Borrower pursuant to the Indenture dated as of May 22, 2003 (as
amended, modified or supplemented from time to time), between the Borrower and
the Wilmington Trust Company, as trustee, and the guaranty executed in
connection therewith, (v) the Floating Rate Junior Subordinated Deferrable
Interest Debentures issued by the Borrower pursuant to the Indenture dated as
of October 29, 2003 (as amended, modified or supplemented from time to
time), between the Borrower and U.S. Bank National Association, as debenture
trustee, and the guaranty executed in connection therewith and (vi) any
floating rate or fixed rate junior subordinated deferrable interest debentures
in an aggregate amount up to $100,000,000 (minus the

Fourth Amendment to

Amended and Restated Credit Agreement

 1
 

aggregate net cash proceeds in
excess of $50,000,000 of any issuances on or after March 22, 2007 by the
Borrower of its capital stock or other equity securities that is permitted by
Section 7.15), issued by the Borrower on or after March 22, 2007 pursuant to an
indenture and guaranty executed in connection therewith having terms (including
subordination provisions, redemption or prepayment rights or obligations,
tenor, deferral of interest rights, covenants and defaults) no less favorable
to the Banks than those set forth in the Trust Preferred Securities described
in clause (i) preceding as such Trust Preferred Securities are in effect on the
Effective Date.

(b)           Section 3.03(i)(d) is amended to read in its entirety as follows:

(d)           Not later than the Business Day following the date of the receipt
thereof by the Borrower and/or any of its Subsidiaries, an amount equal to 100%
(but 0% in the case of any Trust Preferred Securities issued on or after March
22, 2007; provided that the net cash proceeds of such Trust Preferred
Securities are invested by the Borrower in the growth of the businesses of the
Borrower and its Subsidiaries permitted hereunder and are not used to repay
Indebtedness or to pay dividends on the capital stock of the Borrower or to
redeem or purchase the capital stock of the Borrower) of the cash proceeds (net
of underwriting discounts and commissions and other fees, costs and expenses
incurred in connection therewith) of the incurrence of Indebtedness for
borrowed money or evidenced by bonds, notes, debentures or similar instruments
by the Borrower and/or any of its Subsidiaries (other than Indebtedness which
is permitted by Section 7.04 and is outstanding on the Effective Date and
Indebtedness which is permitted by Section 7.04(k), whether or not outstanding
on the Effective Date) shall be applied as a mandatory prepayment of the
Outstanding Amount of the Term Loans.

(c)           The
word “and” before clause (iv) of Section 3.03(i)(e) and the words “shall be
applied as a mandatory prepayment of the Outstanding Amount of the Term Loans”
at the end of clause (iv) of Section 3.03(i)(e) are deleted and a new clause
(v), reading it its entirety as follows, is added to the end of Section
3.03(i)(e):

and (v) up to $150,000,000
(minus the aggregate amount of any Trust Preferred Securities issued on or
after March 22, 2007) of net cash proceeds from the issuance on or after March
22, 2007 of shares of capital stock of the Borrower (provided that such net
cash proceeds are invested by the Borrower in the growth of the businesses of
the Borrower and its Subsidiaries permitted hereunder and are not used to repay
Indebtedness or to pay dividends on the capital stock of the Borrower or to
redeem or purchase the capital stock of the Borrower), shall be applied as a
mandatory prepayment of the Outstanding Amount of the Term Loans.

3.             Conditions
Precedent to Effectiveness of Amendment.  This Amendment shall not be effective until
the Administrative Agent receives: (a) counterparts of this Amendment executed
by the Borrower, the Subsidiary Guarantors, the requisite Banks and the
Administrative Agent; (b) payment of
all expenses, including legal fees and expenses of counsel to the
Administrative Agent, incurred by the Administrative Agent in connection with
this Amendment, to the extent invoiced to the Borrower on or prior to the date
hereof; and (c) such other agreements, documents, instruments and items as the
Administrative Agent may reasonably request, including, without limitation,
documents evidencing the

 2
 

due authorization of the execution, delivery and performance by the
Borrower and each of the Subsidiary Guarantors of this Amendment, the
incumbency of the officer of the Borrower and each of the Subsidiary Guarantors
executing this Amendment, and any other matters relevant thereto.

4.             Representations.  The
Borrower represents and warrants to the Administrative Agent and the
Banks as follows:  (a) the execution,
delivery and performance by the Borrower of this Amendment and the Credit
Agreement, as amended hereby, have been duly authorized by all necessary
corporate action; (b) all representations and warranties made or deemed made by
the Borrower in the Credit Documents are true and correct as of the date
hereof, except to the extent that such representations and warranties expressly
relate solely to an earlier date (in which case such representations and
warranties were true and accurate on and as of such earlier date) and except
for changes in factual circumstances not prohibited by the Credit Agreement;
and (c) no Default or Event of Default has occurred and is continuing as of the
date hereof.

5.             Effect of Amendment.  This Amendment is a Credit Document.  Except as expressly modified and amended by
this Amendment, all of the terms, provisions and conditions of the Credit
Documents shall remain unchanged and in full force and effect.  If any part of this Amendment is for any
reason found to be unenforceable, all other portions of it shall nevertheless
remain enforceable.  The Credit Documents
and any and all other documents heretofore, now or hereafter executed and
delivered pursuant to the terms of the Credit Agreement are hereby amended so
that any reference to the Credit Agreement shall mean a reference to the Credit
Agreement as amended hereby.

6.             Expenses.  The
Borrower shall pay all reasonable fees and expenses paid or incurred by the
Administrative Agent incident to this Amendment, including, without limitation,
the reasonable fees and expenses of the Administrative Agent’s counsel in
connection with the negotiation, preparation, delivery and execution of this
Amendment and any related documents.

7.             Governing Law.  This
Amendment shall be governed by and construed in accordance with and be governed
by the laws of the State of New York, without regard to conflict of laws
principles.

8.             Counterparts.  This
Amendment may be executed in any number of counterparts and by the parties
hereto in separate counterparts, each of which when so executed and delivered
shall be deemed to be an original and all of which taken together shall
constitute one and the same instrument.

9.             ENTIRETY.  THIS AMENDMENT, THE CREDIT AGREEMENT, AND THE
OTHER CREDIT DOCUMENTS EMBODY THE ENTIRE AGREEMENT BETWEEN THE PARTIES AND
SUPERCEDE ALL PRIOR AGREEMENTS AND UNDERSTANDINGS, IF ANY, RELATING TO THE
SUBJECT MATTER HEREOF.  THESE CREDIT
DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL
AGREEMENTS OF THE PARTIES.

10.           Parties.  This Amendment binds and inures to the
benefit of the Borrower, the Subsidiary Guarantors, the Administrative Agent,
the Banks and their respective permitted successors and assigns.

[REMAINDER OF PAGE INTENTIONALLY BLANK.

SIGNATURE PAGES FOLLOW.]

 3

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain Banks
party thereto.

	
  

  	
  UNIVERSAL AMERICAN FINANCIAL CORP.,
  as

  the Borrower

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Robert A.
  Waegelein

  	
   

  
	
   

  	
   

  	
  Robert Waegelein, Executive Vice President and

  Chief Financial Officer

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  BANK OF
  AMERICA, N.A., as a
  Bank

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Joseph L. Corah

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Joseph
  L. Corah

  
	
   

  	
   

  	
  Title:

  	
  Senior
  Vice President

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  

  	
  ACKNOWLEDGED:

  
	
   

  	
  BANK OF
  AMERICA, N.A., as
  the

  
	
   

  	
  Administrative Agent

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Amir Saleem

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Amir Saleem

  
	
   

  	
   

  	
  Title:

  	
  Vice President

  
						

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  LASALLE BANK, N.A.,
  as a Bank

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Andrew C. Haak

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Andrew C. Haak

  
	
   

  	
   

  	
  Title:

  	
  Senior Vice President

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  ING CAPITAL LLC,
  as a Bank

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Mark R. Newsome

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Mark R. Newsome

  
	
   

  	
   

  	
  Title:

  	
  Director

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  SUNTRUST BANK, as
  a Bank

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Christine E. Moss

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Christine E. Moss

  
	
   

  	
   

  	
  Title:

  	
  First Vice President

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  RAYMOND JAMES BANK, FSB,
  as a Bank

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Joseph A Ciccolini

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Joseph A. Ciccolini

  
	
   

  	
   

  	
  Title:

  	
  Vice President - Senior Corporate

  Banker

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  DENALI CAPITAL LLC, managing member
  of DC

  Funding Partners LLC, portfolio manager for

  DENALI CAPITAL CLO III LTD, or an affiliate

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ John P. Thacker

  	
   

  
	
   

  	
   

  	
  Name:

  	
  John P. Thacker

  
	
   

  	
   

  	
  Title:

  	
  Chief Credit Officer

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  DENALI CAPITAL LLC, managing member
  of DC

  Funding Partners LLC, portfolio manager for

  DENALI CAPITAL CLO IV LTD, or an affiliate

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ John P. Thacker

  	
   

  
	
   

  	
   

  	
  Name:

  	
  John P. Thacker

  
	
   

  	
   

  	
  Title:

  	
  Chief Credit Officer

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  GULF STREAM - COMPASS CLO 2002-1
  LTD, as a

  Bank

  
	
   

  	
   

  
	
   

  	
  By:

  	
  Gulf Stream Asset
  Management LLC, as

  
	
   

  	
  Collateral Manager

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Mark B. Mahoney

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Mark B. Mahoney

  
	
   

  	
   

  	
  Title:

  	
  Manager

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  GULF STREAM - COMPASS CLO 2004-1
  LTD, as a

  Bank

  
	
   

  	
   

  
	
   

  	
  By:

  	
  Gulf Stream Asset
  Management LLC, as

  
	
   

  	
  Collateral Manager

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Mark B. Mahoney

  	
   

  	 

	
   

  	
   

  	
  Name:

  	
  Mark B. Mahoney

  
	
   

  	
   

  	
  Title:

  	
  Manager

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Signature Page to that
certain Fourth Amendment to Amended and Restated Credit Agreement dated as of
the date first set forth above, among Universal American Financial Corp., as
the Borrower, Bank of America, N.A., as the Administrative Agent, and certain
Banks party thereto.

	
  

  	
  GULF STREAM - COMPASS CLO 2005-2
  LTD, as a

  Bank

  
	
   

  	
   

  
	
   

  	
  By:

  	
  Gulf Stream Asset
  Management LLC, as

  
	
   

  	
  Collateral Manager

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Mark B. Mahoney

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Mark B. Mahoney

  
	
   

  	
   

  	
  Title:

  	
  Manager

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

To induce the
Administrative Agent and the Banks to enter into this Amendment, the
undersigned consent and agree (a) to its execution and delivery and terms and
conditions thereof, (b) that this document in no way releases, diminishes,
impairs, reduces, or otherwise adversely affects any Liens, Subsidiary
Guaranties, assurances, or other obligations or undertakings of any of the
undersigned under any Credit Documents, and (c) that this Amendment binds each
of the undersigned and its successors and permitted assigns and inures to the
benefit of the Administrative Agent, the Banks, and their respective successors
and permitted assigns.

	
  WORLDNET SERVICES CORP., as a

  Guarantor

  	
  HERITAGE HEALTH SYSTEMS OF TEXAS,

  INC., as a Guarantor

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
   

  	
  /s/ Robert A. Waegelein

  	
   

  	
  By:

  	
   

  	
  /s/
  Theodore M. Carpenter, Jr.

  	
   

  
	
   

  	
  Name:

  	
  Robert A. Waegelein

  	
   

  	
  Name:

  	
  Theodore
  M. Carpenter, Jr.

  
	
   

  	
  Title:

  	
  Chief Financial Officer

  	
   

  	
  Title:

  	
  President

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  UNIVERSAL AMERICAN FINANCIAL

  SERVICES, INC., as a Guarantor

  	
  HHS TEXAS MANAGEMENT, INC.,
  as a

  Guarantor

  
	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
   

  	
  /s/ Robert A. Waegelein

  	
   

  	
  By:

  	
   

  	
  /s/
  Steven C. Holman

  	
   

  
	
   

  	
  Name:

  	
  Robert A. Waegelein

  	
   

  	
  Name:

  	
  Steven
  C. Holman

  
	
   

  	
  Title:

  	
  President

  	
   

  	
  Title:

  	
  Secretary

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  QUINCY COVERAGE CORPORATION, as
  a

  Guarantor

  	
  CHCS SERVICES INC.,
  as a Guarantor

  
	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
   

  	
  /s/ Robert A. Waegelein

  	
   

  	
  By:

  	
   

  	
  /s/
  Robert A. Waegelein

  	
   

  
	
   

  	
  Name:

  	
  Robert A. Waegelein

  	
   

  	
  Name:

  	
  Robert
  A. Waegelein

  
	
   

  	
  Title:

  	
  President

  	
   

  	
  Title:

  	
  Executive
  Vice President

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  HERITAGE HEALTH SYSTEMS, INC., as
  a

  Guarantor

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
   

  	
  /s/ Steven C. Holman

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Name:

  	
  Steven C. Holman

  	
   

  	
   

  	
   

  
	
   

  	
  Title:

  	
  Assistant Secretary

  	
   

  	
   

  	
   

  

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

 

	
  PSO MANAGEMENT OF TEXAS, LLC, as a

  Guarantor

  	
  HHS TEXAS MANAGEMENT, L.P.,
  as a

  Guarantor

  
	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  By:

  	
  HHS Texas Management, Inc.,
  its

  
	
  By:

  	
   

  	
  /s/
  Steven C. Holman

  	
   

  	
   

  	
  general partner

  
	
   

  	
  Name:

  	
  Steven
  C. Holman

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Title:

  	
  Vice
  President

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
  By:

  	
   

  	
  /s/
  Steven C. Holman

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
  Name:

  	
  Steven
  C. Holman

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
  Title:

  	
  Secretary

  
									

 

Signature Page to Fourth Amendment to Amended and
Restated Credit Agreement

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00123-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00123-of-00352.parquet"}]]