Document:

EXHIBIT 10.11
                                  -------------

      REPRESENTATIVE AGREEMENT, DATED JULY 1, 2002, BETWEEN THE COMPANY AND
                                  STUART GRAFF

                            REPRESENTATIVE AGREEMENT

THIS  AGREEMENT,  made as of the 1st day of July,  2002,  is entered into by and
between MEDSTRONG INTERNATIONAL CORPORATION ("Company"), a Delaware corporation,
with its principal office located at 500 Silver Spur Road,  Rancho Palos Verdes,
California  90274,  and Stuart Graff  ("Representative"),  an  individual  whose
corporate office is situated at 2300 Corporate Boulevard,  N.W., Suite 214, Boca
Raton, FL 33481.

                                   WITNESSETH:

WHEREAS,  the  Company  desires  to  appoint  Representative  as an  independent
representative of the Company; and

WHEREAS, Representative is willing to accept such appointment in accordance with
the terms and conditions hereof.

NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency
of which is hereby acknowledged, the parties hereto agree as follows:

1.   APPOINTMENT.
     ------------

Company hereby appoints  Representative,  and Representative  hereby accepts the
appointment,  as an  independent  representative  for Company upon the terms and
subject to the conditions hereinafter set forth.

2.   REPRESENTATIVE'S RESPONSIBILITIES.
     ----------------------------------

          (a)  Representative  shall solicit sales of those Company products and
each account more specifically  identified and recorded in the attached addenda.
Such  solicitation  shall be at the sole  cost and  expense  of  Representative.
Pricing for all Products  shall be determined by Company in its sole  discretion
and shall be communicated in writing to Representative. For each Product sold by
Representative,  and for subsequent  renewals thereof,  Representative  shall be
entitled to receive a commission in accordance  with the terms and provisions of
Section 4.

          (b) Representative's sole responsibility under this Agreement shall be
as set forth above and  Representative  shall have no  obligation to perform any
obligations  of Company with respect to any  Product.  Company  shall be free to
engage other  representatives to render any services including,  but not limited
to, those performed by Representative.

                                       57
<PAGE>

          (c)  Representative  hereby agrees that,  throughout  the term of this
Agreement and any extension and/or renewal thereof, and for an additional period
of one  (1)  year  thereafter,  Representative  will  not  undertake  any of the
responsibilities  set forth herein,  or otherwise  affiliate  itself in any way,
with respect to any product and/or  program which competes in any way,  directly
or indirectly, with any of the Products or any other Company program.

          (d)  Representative  acknowledges  Company's claim of ownership to the
names,  trademarks,  logos or service  marks used to promote  its  Products  and
agrees to use the above only as provided for by this  Agreement.  Representative
further acknowledges and agrees that all writings,  works, and other products of
Representative's  services  under this Agreement  shall belong to Company,  that
such items constitute  works-made-for-hire and belong solely to Company and that
Representative  shall sign such further  instruments as Company may from time to
time request to evidence this fact.  Representative hereby grants to Company all
patents,  trademarks,  service marks, copyrights, and other rights in and to any
and all products of the work of Representative under this Agreement.

3.   COMPANY'S RESPONSIBILITIES.
     ---------------------------

          In  addition  to its  responsibilities  set  forth  elsewhere  in this
Agreement, Company shall:

          (a) Determine, in its sole and absolute discretion,  whether or not it
desires  to  transact  business  with any  individual  or account  solicited  by
Representative hereunder;

          (b) Supply Representative with such sales and promotional material, as
Company  may  deem  necessary,   without  charge  to   Representative,   to  aid
Representative  in the  performance  of  its  responsibilities  hereunder.  Upon
termination  of  this  Agreement,  or at  any  time  so  requested  by  Company,
Representative shall return to Company all such unused materials; and

          (c) Have the right to alter and modify any of the terms and conditions
of  any  Product   developed   by  Company  and  its  sole   responsibility   to
Representative shall be to provide  Representative with prompt written notice of
such changes.

4.   CONSIDERATION.
     --------------

          (a) In consideration for Representative's services hereunder,  Company
shall pay  Representative a commission  calculated as a percentage of the actual
amount  received  by  Company  with  respect  to the  sale  of a  Product  to an
individual or account  solicited by Representative  and all subsequent  renewals
thereof (the "Sale Proceeds"). Representative shall receive five percent (5%) of
the sale proceeds, net amount, received by company per unit..

          (b) Company shall remit  commissions  for all sales and renewals on or
before the twenty-fifth (25th) day of the month immediately  following the month
in which Company receives the corresponding Sale Proceeds.  Representative shall
receive as renewal commission,  fifteen percent (15%) of the net amount retained

                                       58
<PAGE>
by the Company after all wholesale  customer  commissions have been paid.sale In
the event that Company is required to return  (cancellations)  any Sale Proceeds
to a  purchaser  and  Representative  has  already  received  the  corresponding
commission,  Company  shall be entitled to offset the amount of such  commission
against future amounts Company may owe to Representative.

5.   EXPENSES.
     ---------

          Unless   otherwise   agreed   prior   to   the   incurrence   thereof,
Representative  shall be solely  responsible for all costs and expenses incurred
by  Representative  in carrying out his obligations and  responsibilities  under
this Agreement.

6.   TERM AND TERMINATION.
     ---------------------

          The term of this Agreement  shall commence on the date first set forth
above and shall  continue for a period of one year.  Thereafter,  this Agreement
shall be automatically renewed on an annual basis unless one party gives written
notice of  termination  to the other not less than  sixty (60) days prior to the
termination  of the then current term.  This Agreement also may be terminated by
either party for cause.  In the event one party is in breach of its  obligations
hereunder,  the  non-breaching  party shall provide written notice of the breach
and the breaching party shall have thirty (30) days after receipt of said notice
to effect a cure of said breach. Failure to effect a cure within the thirty (30)
day period shall result in an immediate termination hereof.  Termination of this
Agreement for whatever cause shall not release either party from any obligations
created  hereunder  which,  by  their  specific  terms,  survive  expiration  or
termination of this Agreement;  provided, however, that notwithstanding anything
to the contrary set forth above,  Representative  shall no longer be entitled to
solicit sales of Products after the termination of this Agreement.

7.   INDEMNITY.
     ----------

          Each party to this Agreement shall indemnify, defend and hold harmless
the other  party  and any of its  affiliates  or  subsidiaries  (including  such
party's directors,  officers and employees) from and against any and all claims,
suits, losses,  liabilities,  damages,  judgments,  awards,  expenses and costs,
including  reasonable  attorneys'  fees,  arising  in  any  way  from:  (i)  any
activities of such party outside the scope of this Agreement; (ii) any breach by
such  party of any of the  terms and  conditions  of this  Agreement;  (iii) any
failure on the part of such party to pay any taxes,  whether  federal,  state or
local,  and whether  income,  payroll or  otherwise;  or (iv) any taxes,  debts,
liabilities, obligations of every kind and description of such party.

8.   INDEPENDENT CONTRACTOR RELATIONSHIP.
     ------------------------------------

          Representative  is an  independent  contractor and is not an employee,
servant,  partner or joint  venture  partner  of  Company.  Except as  otherwise
expressly  provided for herein, no employee of Representative  shall be entitled
to  any   benefits   which   employees  of  Company  are  entitled  to  receive.
Representative  is responsible for all taxes with respect to amounts received by
Representative pursuant to this Agreement.

                                       59
<PAGE>
9.   CONFIDENTIALITY.
     ----------------

          During the term of this Agreement and thereafter, neither party hereto
will,  directly or  indirectly,  disclose or use any  confidential  information,
records,  trade secrets or any other secret or  confidential  matter relating to
the  clients,  employees,  business,  products or  services of the other  party,
whether  or not it is  identified  as  secret  or  confidential,  without  first
obtaining the prior written consent of such party. This covenant  includes,  but
is not  limited  to:  disclosing  or  using  information  concerning  customers,
customer  requirements,   trade  secrets,  markets,  costs,  products;   product
development,  marketing and business plans or strategies; divulging the identity
of clients or employees; or soliciting clients or employees.

10.  MISCELLANEOUS.
     --------------

          This Agreement  supersedes all prior  agreements  between the parties,
may not be assigned by Representative  without Company's prior written approval,
cannot be  modified  unless in  writing  signed by both  parities,  and shall be
construed in  accordance  with the laws of the State of  California.  Notices or
other communications required or permitted hereunder shall be sufficiently given
if sent by first class mail, postage prepaid, to the parties at their respective
addresses  set forth  herein or to such other  address as shall be  furnished in
writing  by the  party  to whom  notice  is  given  and  such  notice  or  other
communication shall be deemed to have been given as of the date so mailed.

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

                                    MEDSTRONG INTERNATIONAL CORPORATION

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

                                    Name:
                                         ------------------------------------

                                    Title:
                                          -----------------------------------

                                    REPRESENTATIVE

                                    -----------------------------------------

                                    Stuart Graff

                                       60
<PAGE>

                                   ADDENDUM A
                           TO REPRESENTATIVE AGREEMENT

The initial account closed by the Stuart Graff/Mark Ceslowitz collaboration is:

                  Trip Mate Insurance Agency
                  9225 Ward Parkway
                  Kansas City, MO  65114

Representative commission paid by the Company is to be split fifty/fifty and
distributed as follows:

Fifty percent (50%) sent to:

Mark Ceslowitz, President
Travmark.com, Inc.
46 W. 83rd Street, Suite D
New York, NY  10024
Telephone (212) 439-9184 - Federal Tax ID 13-4102640

Fifty percent (50%) sent to:

Stuart Graff
2300 Corporate Boulevard N.W., Suite 214 Boca Raton, FL 33481-0997 Telephone
(561) 988-4000 -- SS No. ###-##-####

                                       61EXHIBIT 10.12
                                  -------------

             AGREEMENT, DATED JULY 1, 2002, BETWEEN THE COMPANY AND
                        TRIP MATE INSURANCE AGENCY, INC.

                    AGREEMENT FOR HEALTH INFORMATION SERVICES

          THIS  AGREEMENT  ("Agreement"),  effective  as of the 1st day of July,
2002,  is  entered  into  by and  between  MEDSTRONG  INTERNATIONAL  CORPORATION
("MIC"), a Delaware corporation, with its principal office located at 500 Silver
Spur Road,  Rancho  Palos  Verdes,  California  90274,  and TRIP MATE  INSURANCE
AGENCY, INC. ("TMI"), a Kansas corporation, with its principal office located at
9225 Ward Parkway, 2nd Floor, Kansas City, MO 64114 .

          WHEREAS, MIC is a member-based provider of health information services
to consumers;

          WHEREAS,  among the  services  provided by MIC is Patient Data Quickly
("TRAVELER  PDQ"),  a membership  program that allows  individuals  to store and
update their medical records online for  confidential and  instantaneous  future
access;

          WHEREAS,   TMI  is  an  administrator  of  travel  insurance  programs
("Plans") for the travel industry  underwritten by certain insurance  companies,
Monumental  Life  Insurance   Company,   Monumental  General  Casualty  Company,
Stonebridge  Casualty  Insurance  Company,  Life Investors  Insurance Company of
America and Kingsway  General  Insurance  Company,  here inafter  referred to as
"Insurers"; and

          WHEREAS,  TMI and MIC desire to make  TRAVELER  PDQ  available  to all
individuals that purchase Plans administered by TMI;

          NOW, THEREFORE, for good and valuable consideration,  receipt of which
is hereby acknowledged, the parties hereto agree as follows:

1.   OFFERING:
     --------

     Throughout  the term of this  Agreement,  TMI will  make  available  to all
     persons who  purchase a Plan a TRAVELER  PDQ  membership.  The TRAVELER PDQ
     membership  shall commence on the date the membership is registered after a
     Plan is  purchased  and shall  terminate on the earlier of (i) the date the
     trip  covered by any such Plan is  completed,  or (ii) the  termination  of
     coverage for an Insured under any such Plan.

                                       62
<PAGE>
2.   PAYMENT:
     -------

a)   For the period from July 1, 2002 through and  including  December 31, 2002,
     TMI shall pay MIC an amount  equal  one-half of one  percent  (0.5%) of the
     total written  premiums  received by TMI for all persons reported to TMI as
     having purchased coverage under a Plan.

b)   Beginning January 1, 2003, said amount shall automatically  increase to one
     percent  (1.0%) of total  written  premiums as reported to TMI,  subject to
     adjustment as follows:  commencing on January 1, 2003,  and on each January
     1st and July 1st thereafter  (individually,  a "Review Date"),  MIC and TMI
     shall review the total number of Plan  purchasers who have been reported to
     TMI to determine the percentage of such purchasers who actually  registered
     their TRAVELER PDQ  memberships  with MIC. The initial review shall include
     all Plan  purchasers  who reported to TMI between July 1, 2002 and December
     31, 2002.

         All subsequent reviews shall include all Plan purchasers who were
         reported to TMI between January 1, 2003 and the date of such review.

         Upon determining such percentage, the amount paid by TMI to MIC for
         each TRAVELER PDQ membership shall be adjusted in accordance with the
         following:

         --------------------------------------------    -----------------------
         If registered memberships ratio is:             Then the fee to MIC is:
         --------------------------------------------    -----------------------
         Less than 10% registered                        1.0% of written premium
         --------------------------------------------    -----------------------
         At least 10% but less than 15% registered       1.5% of written premium
         --------------------------------------------    -----------------------
         15% or more registered                          2.0% of written premium
         --------------------------------------------    -----------------------

         All payment adjustments shall be effective as of the applicable Review
         Date forward and shall remain in full force and effect until the next
         Review Date.

c)   For all Plan purchases  reported to TMI in a given calendar month,  payment
     for the  corresponding  TRAVELER PDQ  memberships  shall be made to MIC not
     later than the thirty first (31st) day of the immediately succeeding month.
     It is understood and agreed by both parties that all such payments shall be
     made net of Plan cancellations reported to TMI.

d)   In addition to the adjustments  required under Section 2(b) above,  amounts
     to be paid to MIC by TMI may be further  adjusted  in  accordance  with the
     provisions of Section 4(c) relating to call center services.

3.   VOLUME ASSUMPTIONS:
     ------------------

     MIC has  entered  into  this  Agreement,  and  has  agreed  to the  payment
     structure set forth in Section 2 above,  in reliance on the  representation
     by TMI that it expects to  generate  not less than  Forty  Million  Dollars
     ($40,000,000) in annual written Plan premium for the 2003 calendar year. In
     the event that TMI generates  calendar year annual  written Plan premium of
     $35,000,000  or less for 2003,  the parties  agree to enter into good faith

                                       63
<PAGE>
     discussions to re-negotiate  the financial terms of this Agreement.  In the
     event the  parties  are unable to reach an  agreement  to  renegotiate  the
     financial  terms,  MIC  may  elect  to  terminate  the  agreement  under
     Section  6.c.

4.   REGISTRATION:
     ------------

a)   MIC shall offer Plan purchasers the option of online  registration  through
     MIC's website.  Purchasers  electing to use this option shall receive their
     membership  numbers and  membership  cards  directly from MIC in electronic
     format.

b)   For  purchasers  electing  not to use online  registration,  TMI will offer
     telephonic  service through TMI's call center  facilities at TMI's expense.
     For  each  Plan  purchaser   electing  this  option  to  register   his/her
     membership,  MIC will  receive  registration  materials  directly  from the
     member to be registered  and will input the  information  into its database
     and shall  electronically,  or by mail or fax, send membership  numbers and
     membership cards directly to the so registered member.

         This method of registration and the corresponding responsibilities of
         each party under Section 4 (b) may be revised from time to time by the
         mutual written agreement of both parties.

c)   In the event that TMI is unable to provide the services detailed in Section
     4 (b),  and TMI  requests  MIC to use its call  center  for  such  purpose,
     amounts being paid by TMI to MIC for TRAVELER PDQ memberships in accordance
     with Section 2 hereof shall be doubled for so long as MIC shall be required
     to use its call center (i.e. if MIC was receiving 1.5% of written  premiums
     for each membership,  it shall receive 3.0% of written premiums during such
     period).

5.   ANNUAL MEMBERSHIPS:
     ------------------

a)   MIC will solicit all Plan purchasers for annual memberships and upgrades of
     their TRAVELER PDQ memberships at MIC's expense. The benefits, services and
     content of any such annual  memberships or upgrades of memberships  must be
     approved by TMI before its use by MIC to solicit Plan  purchasers.  Subject
     to the provisions of Section 5(b) below,  MIC shall pay TMI an amount equal
     to twenty  percent  (20%) of the purchase  price of any  membership  and/or
     upgrade of a  TRAVELER  PDQ  membership  by a Plan  purchaser  ("Membership
     Fee").  This  Membership  Fee shall be payable for any such  memberships or
     upgrades  for which  payment in full was received by MIC during the term of
     this Agreement.

b)   TMI  agrees  that  monies  due TMI under  Section 5, item (a) above will be
     subject to adjustment as follows:

     (i)   MIC will deposit monies due TMI under the provisions of Section 5 (a)
           for the period July 1, 2002 to December 31, 2003, and each successive
           calendar year, in a  fiduciary  bank account in trust for the benefit
           of TMI;

                                       64
<PAGE>
     (ii)  The parties  shall compute the "Desired  Amount"  which is defined as
           follows:  "Desired   Amount"  means  the  total  amount   derived  by
           multiplying the number of registered members by $5.00.

     (iii) MIC will deduct  from any amount due under  Section 5 item (a) above,
           any negative difference  derived when subtracting the Desired Amount,
           as defined herein, from the compensation provided MIC under Section 2
           hereof,  for the period July 1, 2002 to December 31,  2003,  and each
           successive calendar year;

     (iv)  Any balance due after  adjustment as detailed in Section 5, items (b)
           (i) and (ii) shall be paid to TMI on or before  February 15, 2004 and
           on or before each successive February 15th.

6.   TERM AND TERMINATION:
     --------------------

a)   The initial term ("Initial Term") of this Agreement shall from July 1, 2002
     to June 30, 2005. Unless otherwise terminated pursuant to the terms hereof,
     this Agreement shall  automatically  renew for additional  one-year periods
     beginning July 1, 2005.

b)   Either party may terminate this Agreement,  without cause, as of the end of
     the  Initial  Term or any  renewal  term by giving  written  notice of such
     termination not less than ninety (90) days prior to the end of such term.

c)   MIC may  terminate  this  agreement in the event that TMI fails to generate
     calendar year annual  written plan premium of  $35,000,000 or add for 2003,
     or for a subsequent  calendar  year period,  by giving TMI ninety (90) days
     written notice of such termination.

d)   TMI may terminate  this agreement in the event that the ratio of registered
     memberships to the total number of plan purchasers is 2.50% or less for the
     twelve-month  period  ending  june 30,  2004 by giving MIC ninety (90) days
     written notice of such termination.

e)   This  agreement may also be terminated  immediately  upon written notice as
     follows:

     1)   by mutual written agreement of the parties;

     2)   If a party  commits  a  material  breach of this  Agreement,  and such
          breach is not cured for a period of 30 days  after  written  notice is
          given to the breaching  party  specifying the nature of the breach and
          requesting  that it be cured  within the thirty (30) day period to the
          satisfaction of the non-breaching party;

                                       65
<PAGE>
     3)   In the event any party  files  bankruptcy,  becomes  insolvent,  has a
          receiver of its assets  appointed,  make a general  assignment for the
          benefit   of   creditors,   or  has  any   procedure   commenced   for
          reorganization of its affairs.

f)   Upon  termination  of this  Agreement  by  either  party,  all  obligations
     hereunder shall cease, except as follows:

     1)   that MIC will provide the contracted  member  services until such time
          as all memberships hereunder expire, and

     2)   that each party shall be entitled to receive any and all  compensation
          that became due the party prior to such termination.

7.   EXCLUSIVITY:
     -----------

     MIC hereby grants to TMI, throughout the Initial Term of this Agreement,
     and each successive term thereof the exclusive right to represent, sell and
     implement the TRAVELER PDQ program to the travel industry so long as TMI
     maintains the premium volumes set forth below.

     ----------------------------------   --------------------------------------
     For calendar year:                   Premium volume:
     ----------------------------------   --------------------------------------
     2003                                 $40,000,000
     ----------------------------------   --------------------------------------
     2004                                 $44,000,000
     ----------------------------------   --------------------------------------
     2005                                 $48,400,000
     ----------------------------------   --------------------------------------
     Each successive calendar year        10% increase in premium volume from
                                          prior year
     ----------------------------------   --------------------------------------

     Notwithstanding the foregoing, TMI acknowledges that, from time to time,
     MIC may seek TMI's written approval to offer the TRAVELER PDQ program
     through certain travel organizations. TMI hereby agrees to consider and
     respond to all such requests, in writing, within 20 days of receipt by TMI.

8.   PROMOTIONAL MATERIALS:
     ---------------------

a)   All  promotional and point of sale materials to be used by TMI with respect
     to the TRAVELER PDQ program  shall be produced at the sole cost and expense
     of  TMI.  MIC  shall  participate  with  TMI in  the  development  of  such
     promotional materials as TMI shall reasonably request.

b)   Any scripts,  advertising copy, brochures, and other marketing materials of
     any kind whatsoever,  whether written or oral, that include the name or any

                                       66
<PAGE>

     trade  name,  trademark,  service  mark or other  proprietary  intellectual
     property of a party shall be approved by such party,  in writing,  prior to
     the use thereof,  except that no such material  shall include any reference
     to the Insurers or their products.

9.   INDEMNIFICATION:
     ---------------

     TMI agrees to indemnify and hold  harmless  MIC, its  officers,  employees,
     affiliates  and  agents,  from any and all  claims,  lawsuits  or  damages,
     (including any punitive or extra contractual  damages) or other liabilities
     resulting  from  the  acts or  omissions  of TMI,  its  affiliates,  or its
     officers,  employees or representatives,  in connection with this Agreement
     whether or not negligent, grossly negligent, intentional or otherwise.

     MIC agrees to indemnify and hold  harmless  TMI, its  officers,  employees,
     affiliates,   and  agents  from  any  and  all  claims,  lawsuits,  damages
     (including any punitive or extra contractual  damages) or other liabilities
     resulting  from  the  acts or  omissions  of  MIC,  its  affiliates  or its
     officers,  employees or  representatives in connection with this Agreement,
     whether or not negligent, grossly negligent, intentional or otherwise.

10.  CONFIDENTIALITY OF INFORMATION:
     -------------------------------

     Under  this  Agreement,  MIC  will  receive  information  from  TMI  or TMI
     customers which is personal and private information such as customer names,
     addresses and personal medical  information  ("Confidential  Information").
     MIC agrees that all Confidential  Information  shall be maintained with due
     regard for the individuals' right of confidentiality and in compliance with
     applicable federal and state privacy laws.

11.  INFORMATION AND REPORTS:
     -----------------------

a)   Each  payment  made  to MIC  pursuant  to  Section  2(d)  hereof  shall  be
     accompanied by a report prepared by TMI, in a format reasonably  acceptable
     to MIC,  containing such information as MIC shall  reasonably  request with
     respect to the purchasers of Plans for the corresponding month.

b)   Each payment made to TMI pursuant to Section 5 hereof shall be accompanied
     by a report prepared by MIC, in a format reasonably acceptable to TMI,
     containing such information as TMI shall reasonably request with respect to
     the annual memberships and/or upgrades of TRAVELER PDQ memberships by Plan
     purchasers for the corresponding period including, but not limited to:

          (i)  memberships  and  upgrades,  by month,  for  which  MIC  received
               payment in full during such period;

          (ii) cancellations,  by month, of previously reported  memberships and
               upgrades processed during such period; and

                                       67
<PAGE>
          (iii) details of the calculation set forth in Section 5(b) herein.

12.  NOTICES:
     -------

     Any and all  notices  required to be given  under this  Agreement  or which
     either of the  parties  may desire to give shall be in writing and shall be
     served by (i) registered or certified mail, postage prepaid, return receipt
     requested, (ii) any recognized national or international overnight delivery
     service to the addresses set forth below, or (iii) via facsimile;

     Mr. Jerry Farrar, President/CEO            Mr. Bradley G. Finkle, President
     Medstrong International Corporation        Trip Mate Insurance Agency, Inc.
     500 Silver Spur Road, 3rd Floor            9225 Ward Parkway, 2nd Floor
     Rancho Palos Verdes, California 90274      Kansas City, MO 64114.
     Fax No: (310) 544-7100                     Fax No: (816) 523-3379

13.  ASSIGNMENT:
     -----------

     This Agreement shall not be assignable by either party without the express
     written consent of the other party, which consent may denied at the sole
     discretion of such other party.

14.  GOVERNING LAW; SECTION HEADINGS:
     -------------------------------

     The laws of the State of Kansas shall govern this Agreement. The section
     headings are for purposes of convenience only, and shall not be deemed to
     constitute a part of this Agreement or to affect the meaning of this
     Agreement in any way.

                                       68
<PAGE>
         IN WITNESS WHEREOF, the duly authorized representatives of the parties
hereto have executed this Agreement, effective as of the date first set forth
above.

MEDSTRONG INTERNATIONAL CORPORATION

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

Name:
   ----------------------------------

Title:
   ----------------------------------

Date:
   ----------------------------------

TRIP MATE INSURANCE AGENCY, INC.

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

Name:
   ----------------------------------

Title:
   ----------------------------------

Date:
   ----------------------------------

                                       69

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