Document:

LEASE AGREEMENT

         PARAMOUNT PROPERTIES, LLC, A FLORIDA LIMITED LIABILITY COMPANY,
                                   AS LANDLORD

                                       AND

                          SAFEGUARD HEALTH PLANS, INC.
                    ---------------------------------------
                                    AS TENANT

<PAGE>
                                 LEASE AGREEMENT
                                 ---------------

     THIS  LEASE  AGREEMENT  (the "Lease") is made and effective as of this 30th
day of August, 2002, by and between PARAMOUNT PROPERTIES, LLC, a Florida limited
liability  company, having an address of 2433 West Prospect Road, Tampa, Florida
33629-5353  ("Landlord"),  and  SAFEGUARD  HEALTH  PLANS,  INC.,  a  Florida
corporation,  having  an  address  of  95  Enterprise,  Suite  100, Aliso Viejo,
California  92656-2605  ("Tenant").

                              W I T N E S S E T H:

                                   ARTICLE ONE

             DEMISED PREMISES, TERM AND CONSTRUCTION OF IMPROVEMENTS
             -------------------------------------------------------

     Section  1.01.   Landlord, for and in consideration of the terms, covenants
and  conditions  herein  contained, does hereby demise, lease and let to Tenant,
and  Tenant  does  hereby  hire  and take from Landlord, upon and subject to the
terms,  covenants  and  conditions  herein  contained,  the interest of Landlord
(other  than  under  this  Lease),  in  the  following:

         Approximately  6,775  square  feet of useable area and 7,683
         square  feet of rentable area within the building located at
         3410  Henderson Boulevard, Tampa, Florida 33629, the land on
         which  the  building  is  located being legally described on
         Exhibit  A  attached hereto and made a part hereof, and said
         ----------
         space  within  the  building  being  depicted  on  Exhibit B
                                                            ---------
         attached  hereto  and  made  a  part  hereof  (the  "demised
         premises");

     TO  HAVE  AND  TO  HOLD  the demised premises for a term of three (3) years
commencing  on  [later of October 1, 2002, or the closing date of Stock Purchase
Agreement  between Safeguard Health Enterprises, Inc. and Paramount Dental Plan,
Inc.]  (the  "Commencement  Date"),  and  expiring  at midnight, three (3) years
thereafter  (the  "term").

     As used herein, the term "Lease Year" shall mean the successive twelve (12)
month  periods  commencing  as  of  the  Commencement  Date.

                                   ARTICLE TWO

                                      RENT
                                      ----

     Section  2.01.   Tenant  covenants  and agrees to pay to Landlord, promptly
when  due,  without  notice  of  demand  and without deduction or set-off of any
amount  for  any  reason whatsoever, a fixed "minimum rent" outlined as follows,
together  with  any  applicable  rent  taxes.  The  "minimum rent" shall be paid
according  to  the  following  schedule:

<PAGE>
          (a)     For  each  of  the  three (3) years of the term of this Lease,
     Tenant  shall  pay  annual minimum rent in the amount of One Hundred Twenty
     Seven  Thousand Six Hundred Thirty Six and No/100ths Dollars ($127,636.00),
     which amount shall be payable in monthly equal installments of Ten Thousand
     Six Hundred Thirty Six and 33/100ths Dollars ($10,636.33) a month. The rent
     is  calculated  based upon an assumed useable square footage of 6,600, plus
     908  square  feet  of  common  area.

The  minimum  rent  reserved  hereunder  shall  be  payable  in  equal  monthly
installments,  in advance, on the first (1st) day of each month during the Lease
term; provided, however, that upon the execution of this Lease by Tenant, Tenant
shall  pay  to  Landlord the installment of minimum rent due for the first (1st)
month  of  the  term  of  this  Lease  (together  with  applicable sales tax, as
described  below).  If  the  term commences on a date other than the first (1st)
day  of a calendar month or ends on a date other than the last day of a calendar
month,  monthly  rent  shall  be appropriately prorated based upon the number of
days  within  such  month  bears  to  the  total  number  of days in such month.

     Section  2.02.   Tenant  shall  pay  to Landlord, together with the monthly
installments  of  the  minimum  rent  due hereunder and with each installment of
additional  rent  due  hereunder,  the sales and use tax imposed by the State of
Florida  on  rental  payments  under  commercial  leases.

     Section  2.03.  All  amounts payable under Section 2.01 of this Article, as
well  as all other amounts payable by Tenant to Landlord under the terms of this
Lease, shall be paid at the office of Landlord set forth above, or at such other
place  as  Landlord  shall  from  time to time designate by notice to Tenant, in
lawful  money of the United States which shall be legal tender in payment of all
debts  and  dues,  public  and  private,  at  the  time  of  payment.

     Section 2.04. Any installment of rent or additional rent herein required to
be  paid  by  Tenant  which  is not paid when due, shall bear interest at a rate
equal  to  fifteen  percent  (15%) per annum from the date until paid, as a late
charge  for  the purpose of partially reimbursing Landlord for expenses incurred
by  reason  by  such  failure  by  Tenant  and  not  as  penalty  therefore.

     Section 2.05. For each calendar year during the term of this Lease (or part
thereof),  Tenant  will  pay  to  Landlord,  in  addition  to  the other rentals
specified  in  this  Article  Two, as additional rent, its pro rata share of the
common  area maintenance costs (the "CAM Costs") for the entire building and all
of the improvements located on the real property described on Exhibit A attached
                                                              ---------
hereto  (the "Development"). Landlord shall estimate the CAM Costs, and Tenant's
pro  rata  share  thereof,  at  the  commencement of each calendar year (or part
thereof), and Tenant shall pay one-twelfth (1/12th) thereof monthly, in advance,
on  the  first (1st) day of each month during the term hereof, together with the
payment  of  minimum  rent and applicable sales tax described herein.  After the
end  of  each  calendar  year  (or  part thereof) during the term of this Lease,
Landlord  shall  furnish  Tenant  a  statement of the actual CAM Costs and there
shall be an adjustment between Landlord and Tenant, with payment to or repayment
by  Landlord  (within  fifteen  (15) days of the determination of the actual CAM
Costs),  as  the  case  may  require, to the end that Landlord shall receive the
entire  amount  of Tenant's pro rata share of the actual CAM Costs due hereunder
for  said  calendar  year  (or  part  thereof),  or,  at  Landlord's option, any
overpayment  by  Tenant  shall  be  credited  on  account of the next succeeding
payment  by  Tenant  of  its  pro  rata  share  of  the CAM Costs due hereunder.
Landlord  and Tenant acknowledge and

<PAGE>
agree  that Tenant's "pro rata share" of the CAM Costs, for the purposes of this
Lease, shall be deemed to be fifty three and twenty seven one hundredths percent
(53.27%).

     The  term  "CAM Costs" as used herein shall mean and include the total cost
and  expense  incurred  by Landlord in operating, maintaining, and repairing the
Development,  building  and improvements and common facilities, actually used or
available for use by Tenant and employees, agents, servants, customers and other
invitees  of  Tenant,  excluding  only  items  of  expense  commonly  known  and
designated  as  debt  service.  CAM  Costs  shall  specifically include, without
limitation,  general  maintenance  and  repairs, the resurfacing, restriping and
cleaning  of  parking  and  driveway  areas,  cleaning  and repair of sidewalks,
maintenance  and  repair  of  the  building  roof and structure, maintenance and
repair  of  the heating, ventilating and air conditioning systems (to the extent
not  within  the  sole  responsibility  of  any  particular  tenant  within  the
building), plumbing and electrical systems serving the Development, a management
fee  (in  an  amount  consistent with the management fees payable with regard to
similar  buildings  in the Tampa, Florida metropolitan area) payable to Landlord
or  the  company  managing  the  Development  (if  any), gardening, landscaping,
irrigation,  and  repairs  thereto,  all  utilities serving the common areas and
facilities,  and  sanitary control, removal of trash, rubbish, garbage and other
refuse  from  the  Development.

     Section  2.06.   Tenant  shall  have  the right to examine and/or audit the
books  and  records  of Landlord with regard to CAM Costs, Real Estate Taxes and
Insurance  Premiums,  at  a  place  and time mutually acceptable to Landlord and
Tenant, upon delivery of a written request to Landlord.  If Tenant's examination
and/or audit of the books and records of Landlord with regard to CAM Costs, Real
Estate  Taxes  and  Insurance  Premiums  determines that the amount shown on the
statement  exceeded  the  actual  amount owed by Tenant under this Lease for any
period,  Landlord  shall  reimburse  the  difference to Tenant.  Any overpayment
shall  be  refunded  to  Tenant within ten (10) days after Landlord confirms the
amount  of  such  overpayment.

                                  ARTICLE THREE

                    INSURANCE EXPENSES, TAXES, OTHER CHARGES
                    ----------------------------------------

     Section  3.01.   For  each  calendar year during the term of this Lease (or
part thereof), Tenant will pay to Landlord as additional rent together with each
installment of minimum rent and each installment of CAM costs payable hereunder,
Tenant's  pro  rata  share  of  all  Real  Estate  Taxes  (as defined below) and
Insurance  Premiums (as defined below).  Landlord shall estimate the Real Estate
Taxes  and Insurance Premiums at the commencement of each calendar year (or part
thereof),  and  Tenant shall pay one-twelfth (1/12th) of Tenant's pro rata share
thereof  monthly,  in  advance,  together  with  the payment of minimum rent and
applicable  sales tax described herein.  After the end of each calendar year (or
part  thereof)  during  the  term of this Lease, Landlord shall furnish Tenant a
statement  of  the  actual  Real  Estate  Taxes  and  Insurance Premiums for the
previous  calendar  year  and  there shall be an adjustment between Landlord and
Tenant,  with  payment  to or repayment by Landlord (within fifteen (15) days of
the determination of Tenant's pro rata share of the actual Real Estate Taxes and
Insurance  Premiums),  as  the  case may require, to the end that Landlord shall
receive the entire amount of the actual Real Estate Taxes and Insurance Premiums
due  hereunder  for  said  calendar  year  (or  part thereof), or, at Landlord's
option,  any  overpayment  by  Tenant  shall  be credited on account of the next

<PAGE>
succeeding  payment  by  Tenant  of  its pro rate share of Real Estate Taxes and
Insurance  Premiums  due  hereunder.

     Section 3.02. For purposes hereof, "Real Estate Taxes" means all ad valorem
taxes  and assessments of every kind or nature which are now or may hereafter be
imposed or assessed by the State of Florida or any political subdivision thereof
upon  the  demised  premises during the term of this Lease. For purposes hereof,
"Insurance  Premiums"  means  the  annual  premiums  payable with respect to all
insurance  required  to  be  maintained  by  Landlord  hereunder.

     Section  3.03.  Throughout  the term hereof, Tenant will pay and discharge,
punctually  as  and  when the same shall become due and payable without penalty,
all  payment  due upon all rent or use taxes, personal property taxes, privilege
taxes,  excise  taxes,  business  and  occupation  taxes,  gross  sales  taxes,
occupational  license  taxes,  operating  permits  and  licenses  and  all other
governmental  impositions  and  charges  of  every  kind  and  nature within the
contemplation  of the parties hereto (each such charge which Tenant is obligated
to  pay  hereunder  being  hereinafter  sometimes  called a "Tax"), it being the
intention  of the parties hereto that, insofar as the same may lawfully be done,
Landlord  shall  be  free from all such expenses and all such rent or use taxes,
personal  property taxes, privilege taxes, excise taxes, business and occupation
taxes,  gross  sale  taxes,  occupational  license  taxes, operating permits and
licenses.  Tenant  covenants to furnish to Landlord, within forty-five (45) days
after  the  last  date  when  any Tax must be paid by Tenant as provided in this
Article,  official  receipts  of the appropriate taxing authority or other proof
satisfactory  to  Landlord,  evidencing  the  payment  thereof.

     Section  3.04.  It is expressly understood and agreed that Tenant shall not
be  required to pay any of the following taxes or governmental impositions which
shall  be  imposed  against  Landlord  by  any  governmental  authority, whether
federal,  state,  county,  city,  municipal,  or  otherwise,  to-wit:

          (a)     any  capital  stock  tax or other tax imposed against Landlord
     for  the  privilege  or  franchise  of  doing  business  as  a corporation;

          (b)     any  income tax levied upon or against the income of Landlord,
     including  any rental income derived by Landlord from the demised premises;

it  being further expressly understood and agreed, however, that nothing in this
Article  Three  shall  relieve  Tenant  of the obligation for the payment of any
gross  sales, occupational license, privilege, excise or other present or future
tax,  license,  fee or other charge imposed against Landlord by any governmental
authority,  whether  federal,  state,  county,  city, municipal or otherwise, in
respect  to  the  ownership,  leasing,  use,  occupation, management, operation,
maintenance,  repair  or  rebuilding  of  the  demised  premises  or any portion
thereof,  irrespective of whether the same shall be measured in whole or in part
by  the  rental  or  other  income  derived  therefrom  by  Landlord.

<PAGE>
                                  ARTICLE FOUR

                          USE AND COMPLIANCE WITH LAWS
                          ----------------------------

     Section  4.01.   Tenant agrees that, unless and to the extent that it shall
obtain Landlord's prior approval, it will not use the demised premises, nor will
it  suffer or permit the same to be used, for any purpose other than for general
office  purposes.

     Section  4.02.   Tenant shall throughout the term hereof, and at no expense
whatsoever  to Landlord, promptly comply, or cause compliance, with all laws and
ordinances  and  the  rules, regulations and requirements of all federal, state,
county  and  municipal  governments,  and  appropriate departments, commissions,
boards  and  officers  thereof,  foreseen  or  unforeseen,  ordinary  as well as
extraordinary,  and  whether  or  not  the  same  shall  presently be within the
contemplation  of the parties hereto or shall involve any change of governmental
policy  or require structural or extraordinary repairs, alterations or additions
and  irrespective  of  the  cost thereof, which may be applicable to the demised
premises,  including, without limitation, the fixtures and equipment thereof and
the  sidewalks  and curbs adjoining the demised premises or the use or manner of
use  of  the  demised  premises.

     Section  4.03.  Prior  to  the  Commencement Date, Landlord shall construct
within  the  demised premises those leasehold improvements which are depicted on
the  site  plan  attached  thereto  as  Exhibit B and made a part hereof, all at
Landlord's  sole  cost  and  expense.

                                  ARTICLE FIVE

                                 UTILITY CHARGES
                                 ---------------

     Section  5.01.    Tenant  agrees to pay or cause to be paid all charges for
gas,  water,  sewer,  electricity,  light,  heat,  power,  telephone  or  other
communication  service or other utility or service used, rendered or supplied to
the  demised  premises throughout the term hereof, and to indemnify Landlord and
save  it  harmless  against  any  liability  or damages on such account.  Tenant
acknowledges  that  the  electricity  serving  the  demised  premises  will  be
separately  metered  and Tenant shall be responsible for establishing an account
with  the  utility  provider  and  paying  the utility provider directly for all
electrical  service  provided  to  the  demised  premises.  Tenant  further
acknowledges  that  Tenant  shall, at its cost, be responsible for obtaining any
janitorial  service  which  may  be desired within the demised premises.  Tenant
expressly  agrees  that,  during  the  term hereof, any water, sewer, gas, heat,
electricity,  light,  power  or  any other utilities shall be furnished by third
party  utility  companies  and  not  by  Landlord.

<PAGE>
                                   ARTICLE SIX

                  INDEMNIFICATION AND NO LIABILITY OF LANDLORD
                  --------------------------------------------

     Section  6.01.   Tenant covenants and agrees, at its sole cost and expense,
to indemnify and save harmless Landlord against and from any and all loss, cost,
damage  or  claims  by  or on behalf of any person, firm or corporation, arising
from, in or about the demised premises during the term hereof (other than claims
arising  from  the  gross  negligence  or  willful  misconduct  of Landlord, its
servants,  agents  or  employees),  and  further  to indemnify and save Landlord
harmless  against  and  from  any breach or default on the part of Tenant in the
performance  of any covenant or agreement on the part of Tenant to be performed,
pursuant  to  the  terms of this Lease, or arising from any act or negligence of
Tenant,  or any of its agents, contractors, servants, employees or licensees, or
arising  from  any  accident,  injury or damage whatsoever caused to any person,
firm or corporation (other than those caused by Landlord or its servants, agents
or  employees)  occurring  during  the  term  hereof,  in  or  about the demised
premises, and from and against all costs, counsel fees, expenses and liabilities
incurred  in  or about any such claim, action or proceeding brought thereon; and
in  case  any  action or proceeding be brought against Landlord by reason of any
such  claim, Tenant upon notice from Landlord covenants to resist or defend such
action  or  proceeding  by  counsel  satisfactory  to  Landlord.

     Section  6.02.   In  the  event  of  any  judicial  proceeding commenced by
Landlord  or Tenant against the other under this Lease, the reasonable costs and
expenses (including reasonable attorneys' fees) of the prevailing party shall be
paid  by  the  other  party.

     Section  6.03.  Tenant further covenants and agrees that Landlord shall not
be  responsible or liable to Tenant, or any person, firm or corporation claiming
by,  through or under Tenant for, or by reason of, any defect in any building or
buildings  on  the  demised  premises,  or  in  any engines, boilers, elevators,
machinery,  electric  wiring  or  fixtures,  or  other equipment or apparatus or
appliances  in  any  such building, or for any failure or defect of water, heat,
electric  light  or power supply, or of any apparatus or appliance in connection
therewith,  or from any injury or loss or damage to person or property resulting
therefrom,  and  Landlord  shall  not be responsible or liable to Tenant, or any
person,  firm  or  corporation  claiming  by,  through  or under Tenant, for any
injury,  loss  or  damage  to  any persons or to the demised premises, or to any
property  of  Tenant,  or  of any other person, contained in or upon the demised
premises,  caused  by  or  arising  or  resulting  from  the electric wiring, or
plumbing, water, steam, sewerage, or other pipes, or by or from any machinery or
apparatus,  or  by or from any other defect whatsoever, or by or from any injury
or  damage caused by, arising or resulting from lightning, wind, tempest, water,
in,  upon  or  coming  through  or  falling  from the roof, skylight, trapdoors,
windows,  marquees,  metal  or  glass awning, or by or from other actions of the
elements,  or  from any injury or damage caused by or arising, or resulting from
acts  or  negligence  of  any  occupant  or occupants of adjacent, contiguous or
neighboring  premises,  or  any  other  cause  whatsoever; unless, however, such
events  occur  as  a  result  of  Landlord's  default  hereunder  or the grossly
negligent  act  or  omission  of  Landlord,  its  servants, agents or employees.

<PAGE>
                                  ARTICLE SEVEN

                             MAINTENANCE AND REPAIRS
                             -----------------------

     Section  7.01.   Tenant  shall,  throughout  the  term  hereof  until  the
surrender of the demised premises (which is governed by Article Sixteen hereof),
and at no expense whatsoever to Landlord, take good care of the demised premises
and, subject to the rights of Tenant under Article Nine of this Lease, shall not
do  or suffer any waste with respect thereto, and Tenant shall promptly make all
repairs to maintain the demised premises in good and lawful order and condition.
When  used  in  this  Article,  the  term  "repairs"  shall include replacement,
restoration  and/or  renewals  when  necessary. The provisions and conditions of
Article  Nine  applicable  to  changes  or  alterations shall similarly apply to
repairs required to be done by Tenant under this Article.  Tenant shall keep and
maintain  all  portions  of the demised premises, including, without limitation,
the  interior of the demised premises and all equipment and plumbing serving the
demised  premises,  in good working order and condition, free of accumulation of
water,  dirt  and  rubbish.    Except  as otherwise provided in Article Fifteen,
nothing herein contained shall be construed to prevent Tenant from removing from
the  demised  premises  its  own trade fixtures, furniture, and equipment on the
condition,  however,  that  Tenant  shall,  at  its own cost and expense, and it
hereby  agrees  to, repair any and all damages to the demised premises resulting
from  or  caused  by  the  removal thereof, and not from ordinary wear and tear.
Landlord  shall  be  responsible  for  maintaining  the HVAC systems serving the
demised  premises  and  the remainder of the building, and all costs incurred by
Landlord  in  maintaining  and  repairing  the  HVAC systems serving the demised
premises  and  the  remainder of the building shall be included in CAM costs and
reimbursed  to  Landlord  in  accordance  with  the terms of Section 2.05 above.

     Section  7.02.   Tenant  shall  permit  Landlord  and  the  authorized
representatives  of  Landlord  to  enter  the demised premises at all reasonable
times  during  usual  business hours for the purpose of exhibiting or inspecting
the  same  and  of  making  any  necessary  repairs  to the demised premises and
performing  any  work  therein  that  may  be necessary to comply with any laws,
ordinances,  rules, regulations or requirements of any public authority, or that
may  be  necessary  to  prevent  waste  or  deterioration in connection with the
demised  premises,  which Tenant is obligated, but has failed, to make, perform,
or prevent, as the case may be.  Nothing in this Lease shall imply any duty upon
the  part  of  Landlord to do any such work or to make any alterations, repairs,
additions  or improvements to the demised premises, of any kind whatsoever.  The
performance  thereof  by  Landlord  shall  not  constitute  a waiver of Tenant's
default in failing to perform the same.  Landlord shall not in any event (except
for  events caused by Landlord's default hereunder) be liable for inconvenience,
annoyance,  disturbance, loss of business or other damage of Tenant or any other
occupant of the demised premises or part thereof, by reason of making repairs or
the  performance  of  any work on the demised premises or on account of bringing
materials,  supplies  and  equipment into or through the demised premises during
the  course  thereof  and  the  obligations of Tenant under this Lease shall not
thereby  be  affected  in  any  manner  whatsoever.  Landlord shall, however, in
connection  with  the  doing  of  any  such  work cause as little inconvenience,
annoyance,  disturbance,  loss of business or other damage to Tenant or any such
other  occupant  as  may  be  reasonably  possible  in  the  circumstances.

<PAGE>
                                  ARTICLE EIGHT

                                 MECHANICS' LIEN
                                 ---------------

     Section  8.01.   Tenant  shall  not  suffer  or  permit  any liens to stand
against  the  demised premises or any part thereof by reason of any work, labor,
services  or  materials done for, or supplied, or claimed to have been done for,
or  supplied  to,  Tenant  or  anyone  holding  the demised premises or any part
thereof  through  or  under Tenant.  If any such lien shall at any time be filed
against  the  demised  premises, Tenant shall cause the same to be discharged of
record  within  thirty  (30)  days  after the date of filing the same, by either
payment,  deposit  or  bond.  If  Tenant  shall  fail to discharge any such lien
within  such period, then, in addition to any other right or remedy of Landlord,
Landlord  may,  but shall not be obligated to, procure the discharge of the same
either  by  paying amount claimed to be due by deposit in court or bonding.  Any
amount  paid or deposited by Landlord for any of the aforesaid purposes, and all
legal  and  other expenses of Landlord, including counsel fees, in defending any
such  action  or  in  or  about  procuring  the discharge of such lien, with all
necessary  disbursements in connection therewith, together with interest thereon
at  a  rate  of  eighteen  percent  (18%)  per annum from the date of payment or
deposit,  shall  become  due and payable forthwith by Tenant to Landlord, or, at
the  option  of  Landlord,  shall be payable by Tenant to Landlord as additional
rent,  as  provided  in  Article  Twelve  hereof.

     Section  8.02.   Nothing  in this Lease shall be deemed to be, or construed
in  any  way  as  constituting, the consent or request of Landlord, expressed or
implied,  by  inference or otherwise, to any person, firm or corporation for the
performance  of  any  labor  or  the  furnishing  of  any  materials  for  any
construction,  rebuilding, alteration or repair of or to the demised premises or
any part thereof, nor as giving Tenant any right, power or authority to contract
for  or  permit the rendering of any services or the furnishing of any materials
which  might  in  any  way  give  rise  to  the  right  to file any lien against
Landlord's  interest  in the demised premises.  Landlord shall have the right to
post and keep posted at all reasonable times on the demised premises any notices
which  Landlord  shall be required so to post for the protection of Landlord and
the demised premises from any such lien.  Tenant agrees to promptly execute such
instruments  in  recordable  form in accordance with the terms and provisions of
Florida  Statute  713.10.

                                  ARTICLE NINE

                                   ALTERATIONS
                                   -----------

     Section  9.01.   Tenant  agrees  that  it  will  make no alterations to the
building's  structure or systems or construct any additional improvements on the
demised  premises  without  the prior written consent of Landlord, which consent
may  be  withheld  in  Landlord's  sole  discretion  except  for  non-structural
improvements  to the interior of the demised premises, in which case the consent
of  Landlord  shall not be unreasonably withheld.  Tenant further agrees that it
will  not  make  any  other  alterations  or improvements which would change the
character  of  said  building  or buildings, or which would weaken or impair the
structural  integrity,  or  lessen  the  value  of  said  building or buildings.

<PAGE>
     Section  9.02.  Tenant  is granted the right, at its own cost, to make such
non-structural  alterations,  additions, enlargements and improvements in and to
the  building or buildings now or hereafter erected upon the demised premises as
it  may  deem  desirable  for  its  use,  but subject, however, to the following
provisions:

          (a)     The  same  shall  be  performed  in  a first-class workmanlike
     manner.

          (b)     Tenant  shall  cause  such  plans  and  specifications  to  be
     prepared  and  will  furnish  copies  thereof  to  Landlord  prior  to  the
     commencement  of  such  alterations,  and  no  work shall be done except in
     accordance  with  plans  and  specifications  approved  by Landlord. Tenant
     further  agrees  that,  before the commencement of any such alterations, it
     will  file  such  plans  and  specifications  with, and obtain the approval
     thereof  by, all municipal or other governmental departments or authorities
     having  jurisdiction  thereof.  The  originals  of  all  such  approvals,
     authorizations,  permits  and consents of governmental authorities shall be
     delivered  to  and retained by Landlord. Landlord shall execute and deliver
     to  Tenant  such  consents  by  Landlord  as  may  be  required by any such
     departments  or  authorities,  it  being understood, however, that any such
     consent  or  consents  by  Landlord  shall not operate or be construed as a
     consent by Landlord for the purpose of filing any lien or making any charge
     of  any  kind  whatsoever  against either Landlord or the demised premises.

          (c)     All  such  alteration  work  shall  be done subject to, and in
     accordance  with,  all  applicable  laws,  rules,  regulations,  and  other
     requirements  of  all  governmental authorities having jurisdiction thereof
     and  of  the  local  Board  of  Fire  Underwriters  or of any similar body.

          (d)     Tenant  shall procure and maintain such insurance, payment and
     performance  bonds  and other forms of indemnification, if any, as Landlord
     may  reasonably  require  in  connection  with  such  alteration  work.

          (e)     Tenant  shall  promptly pay and discharge all costs, expenses,
     damages  and  other  liabilities  which  may arise in connection with or by
     reason  of  such  alteration  work.

          (f)     Tenant  shall  pay  the  amount of any increase in premiums on
     insurance  policies  occasioned  by  the  making  of  any such alterations.

          (g)     Tenant's  contractor  must  be  approved  by  Landlord,  which
     approval  shall  not  be  unreasonably  withheld.

     Section  9.03.   All  such  alterations made by Tenant shall immediately be
and become part of the realty and the sole and absolute property of Landlord and
shall remain upon and be surrendered with the demised premises at the expiration
or  other  termination  of  this  Lease.

<PAGE>
                                   ARTICLE TEN

                              INSURANCE AND DAMAGE
                              --------------------

     Section  10.01.   Tenant  shall  at all times during the term of this Lease
and  at  its  sole  cost  and  expense, maintain in effect workers' compensation
insurance,  comprehensive  general,  public  liability  and  property  damage
insurance, issued by insurance companies licensed to do business in the State of
Florida,  having  minimum  limits of coverage as Landlord may reasonably request
from  time  to time but not less than Two Million Dollars ($2,000,000.00).  Said
insurance  shall  be  endorsed  to  name  Landlord  as  an  additional  insured
thereunder.  Said  insurance  shall be primary insurance as it respects Landlord
and not participating with any other available insurance.  In no event shall the
limits  of said policies be considered as limiting the liability of Tenant under
this  Lease.

     Section  10.02.   Subject  to  Tenant's  agreement to reimburse to Landlord
Tenant's  pro  rata  share  of  all of the premiums and other charges payable by
Landlord  in  obtaining  the insurance coverages listed below (collectively, the
"Insurance  Premiums")  as  provided  in  Section 3.01 above, Landlord agrees to
maintain,  throughout  the  term  hereof,  in insurance companies licensed to do
business  in  the  State  of  Florida, (a) public liability insurance protecting
Landlord  and  Tenant  against  claims  of  any  and  all  persons,  firms  and
corporations for personal injury, death or property damage occurring upon, in or
about  the  demised premises, or any elevators or escalators therein or thereon,
or  in or about the adjoining streets, sidewalks and passageways, such insurance
to  afford  protection  to  the  limit  of  not  less  than  One Million Dollars
($1,000,000.00)  in  respect  to  any  one occurrence, not less than Two Million
Dollars ($2,000,000.00) of general aggregate coverage, not less than Two Million
Dollars ($2,000,000.00) of products/completed operations aggregate coverage, and
not  less  than  One Million Dollars ($1,000,000.00) of personal and advertising
injury  coverage,  with  an  "umbrella"  affording  not  less than Three Million
Dollars  ($3,000,000.00)  of liability coverage, (b) "all risk" hazard insurance
insuring  the fixtures and improvements (specifically including, but not limited
to, the Building) located on the demised premises against loss or damage by fire
and other risks, (c) flood insurance in an amount up to the full insurable value
of  the building (if applicable), and (d) such other coverages as may ordinarily
be  maintained  by  a  reasonable  and  prudent  landlord  in the Tampa, Florida
metropolitan area.  Notwithstanding the foregoing, in no event shall Landlord be
responsible  for  maintaining  any  insurance  coverage with respect to Tenant's
personal  property,  furniture  and  fixtures.

     Section  10.03.  The  proceeds  of  any  insurance  policy  required  to be
maintained  hereunder  shall  belong  to Landlord. However, any proceeds derived
from  insurance  policies  which  Tenant may choose to carry on its own personal
property,  furniture  and  fixtures  shall  belong  to  Tenant.

     Section  10.04. If the demised premises are made materially untenantable by
fire  or  other  casualty,  Landlord  may  elect, at Landlord's sole discretion:

          (a)     to terminate this Lease as of the date of the fire or casualty
     by  notice  to  Tenant  within  thirty  (30)  days  after  that  date;  or

<PAGE>
          (b)     undertake  to repair, restore or rebuild the demised premises,
     to  the  extent  insurance  proceeds  are  available for the same, in which
     latter  event  this Lease shall not terminate but rent shall be abated on a
     per  diem  basis  while  the  premises  are  untenantable.

     In  the  event  of  termination of the Lease pursuant to this Section, rent
shall  be apportioned on a per diem basis and be paid to the date of the fire or
casualty.  In  no  event  shall  Landlord  be  liable  to Tenant for any damages
resulting  to  Tenant  from  the  happening of such fire or casualty or from the
repairing  or  reconstruction of the demised premises or from the termination of
this  Lease  as  herein provided, nor shall Tenant be relieved thereby or in any
such event from Tenant's obligations hereunder except to the extent and upon the
conditions  expressly  stated  in  this  Section.

     If  the  demised  premises  are  damaged  but  not  rendered  materially
untenantable  by  any of the events set forth above, rental shall abate from the
date  of  said  occurrence  in such proportion as the demised premises have been
damaged,  and  Landlord  shall,  to  the extent of available insurance proceeds,
restore  the  demised  premises  as  speedily as practicable whereupon full rent
shall  commence.

     In  no  event  shall rent abate if the damage or destruction of the demised
premises,  whether  total or partial, is the result of the negligence of Tenant,
its  agents,  employees,  guests  or  invitees.

     In  no  event  shall  Landlord  be required to repair or replace any of the
furniture,  equipment,  fixtures,  and  other  improvements  which may have been
placed  by  tenant  on  the  demised  premises.

     As  used herein, "materially untenantable" shall mean more than twenty-five
percent  (25%)  of  the demised premises are rendered unuseable by reason of the
casualty.

     Notwithstanding anything to the contrary provided herein, in no event shall
Landlord  be  obligated  to restore the demised premises following a casualty in
the  event the damage is not covered by standard "all risks" property insurance,
or  if  Landlord's lender requires that the insurance proceeds be applied to its
loan.

     Section 10.05.   Landlord and Tenant agree to cooperate with each other, to
such  extent  as such other party may reasonably require, in connection with the
prosecution  or  defense  of any action or proceeding arising out of, or for the
collection  of any insurance monies that may be due in the event of, any loss or
damage,  and  that  it  will  execute  and  deliver  to  such  other  party such
instruments  as  may  be  required  to  facilitate the recovery of any insurance
monies.

     Section 10.06. Tenant agrees to give prompt notice to Landlord with respect
to  all  fires  or  other  casualties  occurring  upon  the  demised  premises.

<PAGE>
                                 ARTICLE ELEVEN

                                  CONDEMNATION
                                  ------------

     Section  11.01.   If  title to the fee of the whole of the demised premises
or  so much thereof as to render the remainder no longer useful for its intended
use  herein  shall  be  taken  or  condemned by any competent authority, for any
public  or  quasi-public  use,  or  the demised premises cannot be restored to a
useful condition within six (6) months after being taken, this Lease shall cease
and  terminate,  and  all annual rent, additional rent and other charges paid or
payable  by  Tenant hereunder shall be apportioned, as of the date of vesting of
title  in such condemnation proceeding, and the total award made with respect to
the  demised  premises  shall  be  paid  to  Landlord.

     Section  11.02.   If title to the fee of less than the whole of the demised
premises shall be so taken or condemned or conveyed by Landlord in lieu thereof,
but the remainder is useful for its intended use herein and can be restored to a
useful  condition  within  six  (6)  months  after  being  taken,  then:

          (a)     Landlord  shall  be entitled to, and shall receive, the entire
     award  made  with  respect  to  the  demised  premises  except such portion
     thereof, if any, as shall be specifically allowed hereinafter as damages to
     Tenant,  and  Tenant hereby irrevocably assigns to Landlord all of Tenant's
     right,  title and interest in and to all such awards, except as to any such
     specific  award  made  with  respect  to  relocation  damages  to  Tenant.

          (b)     Landlord  shall  be entitled to terminate this Lease.  If this
     Lease  is  not  terminated  by Landlord, Landlord shall restore the untaken
     portion  of any building or buildings on the demised premises, so that each
     such building, respectively, shall constitute a complete architectural unit
     of  the  same general character and condition (as nearly as may be possible
     under the circumstances) as the building existing immediately prior to such
     condemnation  or  taking.

                                 ARTICLE TWELVE

                 LANDLORD'S RIGHT TO PERFORM TENANT'S COVENANTS
                 ----------------------------------------------

     Section  12.01.   Tenant  covenants and agrees that if it shall at any time
fail to make any payment or perform any act which Tenant is obligated to make or
perform under this Lease, then Landlord may, without waiving or releasing Tenant
from any obligations of Tenant in this Lease contained, and after written notice
thereof  to  Tenant, do so on Tenant's behalf, in such manner and to such extent
as  shall  be  necessary,  and, in exercising any such rights, pay necessary and
incidental  costs  and  expenses,  employ  counsel  and incur and pay reasonable
attorneys'  fees.  All sums so paid by Landlord and all necessary and incidental
costs  and  expenses  in  connection  with  the  performance  of any such act by
Landlord,  together with interest thereon at a rate of fifteen percent (15%) per
annum  from  the  date  of  the making of such expenditure by Landlord, shall be
deemed  additional  rent  hereunder  and,  except  as  otherwise  in  this Lease
expressly  provided,  shall be payable to Landlord on demand or at the option of
Landlord may be added to any rent then

<PAGE>
due or thereafter becoming due under this Lease, and Tenant covenants to pay any
such sum or sums with interest as aforesaid and Landlord shall have (in addition
to  any  other  right or remedy of Landlord) the same rights and remedies in the
event  of  the non-payment thereof by Tenant as in the case of default by Tenant
in  the  payment  of  the  rent.

                                ARTICLE THIRTEEN

                         DEFAULT PROVISIONS AND REMEDIES
                         -------------------------------

     Section  13.01.   This  Lease  and  the  demised  term  are  subject to the
limitation  that  if, at any time during the term hereof, any one or more of the
following  events  (herein called an "event of default") shall occur, that is to
say:

          (a)     if  Tenant  shall  fail to pay any installment of the rent set
     forth  in  Section  2.01  of this Lease, or any part thereof, when the same
     shall  become due and payable, and such failure shall continue for five (5)
     days  after  written  notice  thereof  from  Landlord  to  Tenant;  or

          (b)     if  Tenant  shall fail to pay any sum or other charge required
     to be paid by Tenant hereunder (other than the payment of the rental as set
     forth  in  said  Section  2.01), and such failure shall continue for thirty
     (30)  days  after  written  notice  thereof  from  Landlord  to  Tenant; or

          (c)     if  Tenant  shall  make  an  assignment for the benefit of its
     creditors;  or

          (d)     if  any  petition  shall be filed against Tenant in any court,
     whether  or  not  pursuant  to  any  statute of the United States or of any
     state,  in  any  bankruptcy,  reorganization,  composition,  extension,
     arrangement  or  insolvency  proceedings,  and  Tenant  shall thereafter be
     adjudicated  bankrupt,  or such petition shall be approved by the court, or
     the  court  shall  assume  jurisdiction  of  the subject matter, or if such
     proceedings  shall  not  be  dismissed  within  sixty  (60)  days after the
     institution  of  the  same;  or  if  any such petition shall be so filed by
     Tenant;  or

          (e)     if,  in any proceeding, a receiver or trustee be appointed for
     all  or  any  portion  of  Tenant's  property,  and  such  receivership  or
     trusteeship  shall not be vacated or set aside within sixty (60) days after
     the  appointment  of  such  receiver  or  trustee;  or

          (f)     if  Tenant  shall  assign, mortgage or encumber this Lease, or
     sublet  the  whole  or  any part of the demised premises, otherwise than as
     expressly  permitted  hereunder,  or  if this Lease or the estate of Tenant
     hereunder  shall be transferred, or passed to, or devolve upon, any person,
     firm  or  corporation  other than Tenant herein named, except in the manner
     permitted  hereunder;  or

          (g)     if  Tenant  shall  fail  to  perform  or  observe  any  other
     requirement  of  this  Lease  (not  hereinbefore  in  this  Section  13.01
     specifically  referred  to)  on  the  part  of  Tenant  to  be performed or
     observed,  and  such  failure  shall  continue  for  thirty (30) days after

<PAGE>
     notice  thereof  from Landlord to Tenant unless a shorter period of time is
     allowed  under  this  Lease;

then,  upon  the  happening  of  any one or more of the aforementioned events of
default, and the expiration of the period of time prescribed in any such notice,
Landlord  may  exercise  any  and  all  rights and remedies under this Lease and
Florida  law.  Upon the election of Landlord, this Lease and the term hereof, as
well  as  all of the right, title and interest of Tenant hereunder, shall wholly
cease  and expire  and Tenant shall then quit and surrender the demised premises
to  Landlord,  but  Tenant  shall nonetheless and in all events remain liable as
hereinafter  provided.

     Section  13.02.   Upon  an  event of default by Tenant, Landlord may at any
time  thereafter,  with or without further notice or demand and without limiting
Landlord in the exercise of any other right or remedy which Landlord may have by
reason  of  such  default  or  breach:

          (a)     terminate  Tenant's  possession of the demised premises by any
     lawful  means,  in  which  case this Lease shall terminate and Tenant shall
     immediately  surrender  possession  of the demised premises to Landlord. In
     such  event,  Landlord shall be entitled to recover from Tenant all damages
     incurred  by  Landlord  by reason of Landlord's default, including, but not
     limited  to,  the  cost  of  recovering possession of the demised premises,
     expenses of reletting, including necessary renovation and alteration of the
     demised  premises,  reasonable  attorneys'  fees,  and  any  real  estate
     commission  actually  paid  or  required  to  be  paid;

          (b)     re-enter  and  retake  possession  of the demised premises and
     relet  the  same for Tenant's account, holding Tenant liable in damages for
     all  expenses  incurred  by  Landlord  in  any  such  reletting  (including
     attorneys' fees, brokers' fees and commissions, repairs and remodeling) and
     for any difference between the amount of rents received from such reletting
     and  those  due  and  payable  under  the terms of this Lease. In the event
     Landlord  relets  the  demised  premises,  Landlord shall have the right to
     lease  or  let the demised premises or portions thereof for such periods of
     time  and  such  rentals  and  for  such  use  and  upon such covenants and
     conditions as Landlord, in its sole discretion, may elect, and Landlord may
     make  such  repairs  and  improvements  to  the  demised premises as may be
     necessary.  Landlord shall be entitled to bring such actions or proceedings
     advisable,  without  being  obligated  to  wait  until the end of the Term.
     Neither  Landlord's  commencement or maintenance of any one or more actions
     shall  bar  Landlord  from  bringing other or subsequent actions or further
     accruals,  nor  shall  anything  in this subparagraph (b) limit or prohibit
     Landlord's  right  at any time to accelerate all rents and charges due from
     Tenant  to  the end of the Term or to terminate this Lease by giving notice
     to  Tenant;

          (c)     declare  all  additional  rents  and  charges  due  hereunder
     immediately  due  and  payable, and thereupon all such rents and charges to
     the end of the term shall thereupon be accelerated; provided, however, such
     accelerated  amounts  shall  be  discounted  to their present value using a
     discount  rate  of  four  percent  (4%)  per  annum;  and provided further,
     however,  that nothing contained herein shall be deemed to relieve Landlord
     from  its  duty to endeavor to mitigate any damages suffered by Landlord to
     the  extent  required  by  Florida  law.  In the event that any charges due
     hereunder  cannot

<PAGE>
     exactly  be  determined  as of the date of acceleration, the amount of such
     charges  shall  be determined by Landlord in a reasonable manner based upon
     historical  increases  in  such  charges;

          (d)     pursue any other remedy now or hereafter available to Landlord
     under  the  laws  or  judicial  decisions  in  the  State  of  Florida.

     Pursuit  of any of the foregoing remedies shall not preclude pursuit of any
of  the  other  remedies  herein provided or any other remedies provided by law.
Tenant  hereby  waives any statutory notice of default.  Forbearance by Landlord
to  enforce  one  or  more  of remedies herein provided upon an event of default
shall  not  be deemed or construed to constitute a waiver of any other violation
or  default,  including  without  limitation  any  notices  required pursuant to
Florida  Statute  83.20.

                                ARTICLE FOURTEEN

                     CUMULATIVE REMEDIES-WAIVER-ORAL CHANGE
                     --------------------------------------

     Section 14.01.   Every term, condition, agreement or provision contained in
this  Lease  shall  be  deemed  to  be  also  a  covenant.

     Section  14.02.  The  specified remedies to which Landlord may resort under
the  terms  of this Lease are cumulative and are not intended to be exclusive of
any  other  remedies  or  means  of  redress  to  which Landlord may be lawfully
entitled  in  case of any breach or threatened breach by Tenant of any provision
of  this  Lease.

     Section  14.03.  The failure of Landlord to insist in any one or more cases
upon  the  strict  performance  of  any  of  the  terms,  covenants, conditions,
provisions  or  agreements  of  this  Lease  or  to  exercise  any option herein
contained  shall not be construed as a waiver or a relinquishment for the future
of any such term, covenant, condition, provision, agreement or option. A receipt
and  acceptance  by  Landlord of rent or any other payment, or the acceptance of
performance  of  anything required by this Lease to be performed, with knowledge
of  the  breach of any term, covenant, condition, provision or agreement of this
Lease,  shall  not  be  deemed  a  waiver  of  such  breach,  nor shall any such
acceptance of rent in a lesser amount than is herein provided for (regardless of
any  endorsement  on  any check, or any statement in any letter accompanying any
payment of rent) operate or be construed either as an accord and satisfaction or
in  any  manner  other  than  as  a payment on account of the earliest rent then
unpaid  by  Tenant,  and no waiver by Landlord of any term, covenant, condition,
provision  or  agreement  of this Lease shall be deemed to have been made unless
expressed  in  writing  and  signed  by  Landlord.

     Section  14.04. In addition to the other remedies provided Landlord in this
Lease,  Landlord  shall  be entitled to the immediate restraint by injunction of
any  violation  or  attempted  or  threatened  violation,  of  any of the terms,
covenants,  conditions,  provisions  or  agreements  of  this  Lease.

<PAGE>
     Section  14.05. This Lease may not be changed orally, but only by agreement
in  writing  signed  by  the  party  against  whom  enforcement  of  the change,
modification  or  discharge  is  sought  or  by  his  agent.

     Section  14.06.  Whenever the context hereof shall so require, the singular
shall  include  the  plural, the male gender shall include the female gender and
neuter  and  vice  versa.  This  Lease  and any related instruments shall not be
construed  more  strictly  against one party than against the other by virtue of
the  fact  that  initial drafts were made and prepared by counsel for one of the
parties, it being recognized that this Lease and any related instruments are the
product  of  extensive  negotiations  between  the  parties hereto and that both
parties  hereto  have  contributed  substantially  and  materially  to the final
preparation  of  this  Lease  and  all  related  instruments.

                                 ARTICLE FIFTEEN

                              SURRENDER OF PREMISES
                              ---------------------

     Section  15.01.    Tenant shall, upon the expiration or termination of this
Lease for any reason whatsoever, surrender to Landlord the buildings, structures
and  building  equipment  then  upon  the  demised  premises,  together with all
alterations  and  replacements thereof then on the demised premises, in the same
good  order,  condition  and  repair,  that the demised premises are in upon the
completion  of  the  construction contemplated hereby, except for reasonable and
ordinary  wear  and  tear.  (Wherever the term "reasonable and ordinary wear and
tear"  is used in this Lease, it should be understood to contemplate that Tenant
will  have  performed  a reasonable maintenance program during the term hereof.)
At  the  expiration  of  termination  of  this  Lease for any reason whatsoever,
Landlord  shall  have  the  right  to  inspect  the  demised premises through an
independent  licensed  engineer and/or contractor in order to determine that all
portions  of  the demised premises are in such good condition, ordinary wear and
tear  excepted.  Any  repairs  deemed necessary in the opinion of the inspecting
agent  may be paid for out of proceeds of the security deposit.  Title to all of
Tenant's  trade  fixtures,  furniture  and  equipment  installed  in the demised
premises  shall  remain  in  Tenant, and upon expiration or other termination of
this  Lease, the same may and, upon the demand of Landlord, shall be removed and
any  resultant  damage  to the demised premises shall be repaired, by and at the
expense of Tenant; provided, however, that if, upon any such expiration or other
termination of this Lease, Tenant shall be delinquent or in default under any of
the  provisions  hereof,  Tenant  shall  not,  without  Landlord's prior written
consent,  be  entitled to remove any such trade fixtures, furniture or equipment
unless  and until such delinquency or default shall have been cured, and if such
delinquency  or  default  shall not have been cured by Tenant within thirty (30)
days  after the date of such expiration or termination, all such trade fixtures,
furniture and equipment of Tenant shall, at Landlord's option, be and become the
absolute  property  of  Landlord;  and  provided  further,  however,  that
notwithstanding  anything  contained herein to the contrary, Tenant acknowledges
and agrees that any pictures, wall hangings and other artwork, oriental rugs and
vending  machines  located  within the demised premises on the Commencement Date
shall not be deemed to be the property of Tenant, but instead shall be deemed to
be  the  property  of Landlord and shall remain in the demised premises upon the
expiration  or  earlier  termination  of  this  Lease.

<PAGE>
     Section 15.02. If Tenant fails to vacate the demised premises at the end of
the  term,  then  Tenant shall be a tenant at sufferance and, in addition to all
other  damages  and  remedies to which Landlord may be entitled for such holding
over,  Tenant  shall pay, in addition to the other charges provided hereunder, a
daily  minimum  rent  equal to 150% of the daily minimum rent payable during the
last  month  of  the  term.

                                 ARTICLE SIXTEEN

                     ASSIGNMENT, SUBLETTING AND ENCUMBRANCES
                     ---------------------------------------

     Section  16.01.   Tenant  shall  not assign, mortgage or otherwise encumber
this Lease, or sublet all or any part of the demised premises, without the prior
written  consent  of  Landlord, which consent may be withheld in Landlord's sole
and absolute discretion; provided, however, that Tenant may assign this Lease to
Safeguard  Health  Enterprises,  Inc.,  a  Delaware  corporation,  or  any other
wholly-owned subsidiary of Safeguard Health Enterprises, Inc., without the prior
consent or approval of Landlord so long as (a) Tenant notifies Landlord upon the
occurrence  of  such  assignment,  and  (b) Tenant remains liable for all of the
duties  and  obligations  of  "Tenant"  hereunder.  No  permitted  assignment or
sublease of the whole or any part of the demised premises by Tenant shall in any
way affect or reduce any of the obligations of Tenant under this Lease, but this
Lease  shall  continue  in  full  force  and  effect, it being the intention and
meaning of the parties hereto that Tenant shall be and remain liable to Landlord
for  any  and  all  acts  and omissions of any and all assignees, subtenants and
similar  occupants.  The  consent  by Landlord to an assignment, encumbrance, or
subletting  shall  not  be construed in any way to relieve Tenant from obtaining
the  express  consent  in  writing  of  Landlord  to  any  further  assignment,
encumbrance,  or  subletting.

                                ARTICLE SEVENTEEN

                                  SUBORDINATION
                                  -------------

     Section 17.01.   Tenant agrees and acknowledges that all of Tenant's right,
title  and interest under this Lease is automatically subordinate to the lien of
any  existing  or future lender without any further act by Tenant; provided that
any future lender agrees not to disturb the rights of Tenant under this Lease as
long  as  Tenant  is  not  in  default  hereunder and Tenant agrees to attorn to
Landlord  as  part  of  a  commercially  reasonable  form  of  subordination,
non-disturbance  and  attornment  agreement.  However,  in order to manifest and
confirm  the  foregoing,  Tenant shall subordinate its leasehold interest in the
demised  premises  to  the  mortgage  lien of any financing Landlord may wish to
obtain at any time during the Lease term; provided that any future lender agrees
not to disturb the rights of Tenant under this Lease as long as Tenant is not in
default  hereunder  and  Tenant  agrees  to  attorn  to  Landlord  as  part of a
commercially  reasonable  form  of subordination, non-disturbance and attornment
agreement.  The  failure  of  Tenant  to  so  deliver  any  such  instrument  or
instruments  within  ten  (10)  days  after  demand in writing by Landlord shall
constitute  a  default  hereunder,  and Landlord shall be entitled to all of its
remedies.  Furthermore,  Tenant  hereby  appoints  Landlord  as  Tenant's
attorney-in-fact  to

<PAGE>
execute  such  instruments of subordination in the event Tenant fails to execute
such  instruments  within  ten  (10)  days  after  demand.

                                ARTICLE EIGHTEEN

                                  GOVERNING LAW
                                  -------------

     Section  18.01.   This  Lease shall be governed by the laws of the State of
Florida.  Tampa, Florida, shall be the location for the handling of all disputes
hereunder,  and all parties hereby consent to personal jurisdiction of any court
of  competent  jurisdiction  for  Tampa,  Florida.

                                ARTICLE NINETEEN

                              ESTOPPEL CERTIFICATE
                              --------------------

     Section  19.01.   Tenant agrees at any time and from time to time, upon not
less  than  ten  (10) days prior request by Landlord to execute, acknowledge and
deliver  to  Landlord  a  statement  in  writing  certifying  that this Lease is
unmodified  and  in  full  force and effect (or if there have been modifications
that  the  same  is  in  full  force  and  effect  as  modified  and stating the
modifications), and the dates to which the rent and other charges have been paid
in advance, if any, it being intended that any such statement delivered pursuant
to  this  Article  may be relied upon by any prospective purchaser of the fee or
mortgagee  or  assignee  of  any  mortgage upon the fee of the demised premises.
Furthermore,  Tenant  hereby  appoints  Landlord as Tenant's attorney-in-fact to
execute  such  instruments of subordination in the event Tenant fails to execute
such  instruments  within  ten  (10)  days  after  demand.

                                 ARTICLE TWENTY

                                     NOTICES
                                     -------

     Section 20.01.   All notices which are required or permitted hereunder must
be  in writing and shall be deemed to have been given, delivered or made, as the
case  may be, (notwithstanding lack of actual receipt by the addressee) (i) when
delivered by personal delivery or (ii) three (3) business days after having been
deposited  in  the  United  States mail, certified or registered, return receipt
requested, sufficient postage affixed and prepaid, or (iii) one (1) business day
after  having  been deposited with an expedited, overnight courier service (such
as  by way of example but not limitation, U.S. Express Mail or Federal Express),
addressed to the party to whom notice is intended to be given at the address set
forth  below:

          Landlord:           Paramount  Properties,  LLC
                              2433  West  Prospect  Road
                              Tampa,  Florida  33629-5353

<PAGE>
          With a copy to:     Jonathan P. Jennewein, Esquire
                              Hill,  Ward  &  Henderson,  P.A.
                              Suite  3700  -  Bank  of  America  Plaza
                              101  East  Kennedy  Boulevard
                              Tampa,  Florida  33602

          Tenant:             Safeguard Health Plans, Inc c/o Safeguard Health
                              Enterprises,  Inc.
                              95  Enterprise,  Suite  100
                              Aliso  Viejo,  California  92656-2605
                              Attn:  James  E.  Buncher,  President

          With a copy to:     Safeguard Health Plans, Inc. c/o Safeguard Health
                              Enterprises,  Inc.
                              95  Enterprise,  Suite  100
                              Aliso  Viejo,  California  92656-2605
                              Attn: Ronald I. Brendzel, Senior Vice-President

     Any  party  may  change the address to which its notices are sent by giving
the other party written notice of any such change in the manner provided in this
Section,  but  notice  of  change  of  address  is  effective only upon receipt.

                               ARTICLE TWENTY-ONE

                       INVALIDITY OF PARTICULAR PROVISIONS
                       -----------------------------------

     Section  21.01.   If any term or provision of this Lease or the application
thereof  to  any  person  or  circumstance,  shall  to  any extent be invalid or
unenforceable,  the  remainder of this Lease, or the application of such term or
provision to persons or circumstances other than those as to which it is invalid
or  unenforceable, shall not be affected thereby, and each term and provision of
this  Lease  shall be valid and enforced to the fullest extent permitted by law.

                               ARTICLE TWENTY-TWO

                             EXCULPATION OF LANDLORD
                             -----------------------

     Section  22.01.   Notwithstanding  anything  to  the  contrary  that may be
provided in this Lease, it is specifically understood and agreed, such agreement
being  a  primary consideration of the execution of this Lease by Landlord, that
there  shall  be  absolutely  no personal liability on the part of Landlord, its
successors,  assigns  or  any  mortgagee in possession (for the purposes of this
paragraph,  collectively  referred  to  "Landlord"),  with respect to any of the
terms,  covenants  and conditions of this Lease, and Tenant shall look solely to
the  equity of Landlord in the demised premises for the satisfaction of each and
every  remedy  of  Tenant  in  the event of any breach by

<PAGE>
Landlord  of  any  of  the  terms,  covenants and conditions of this Lease to be
performed  by Landlord, such exculpation of liability to be absolute and without
any  exceptions  whatsoever.

     Section  22.02.  In  the  event  the  original  Landlord  hereunder, or any
successor  owner  of  the  demised  premises,  shall  sell or convey the demised
premises,  all liabilities and obligations on the part of the original Landlord,
or  such  successor owner, under this Lease accruing thereafter shall terminate,
and thereupon all such liabilities and obligations shall be binding upon the new
owner.  Tenant  agrees  to  attorn  to  such  new  owner.

                              ARTICLE TWENTY-THREE

                         BINDING COVENANTS AND BENEFITS
                         ------------------------------

     Section  23.01.   Subject  to  the  provisions  of  this  Lease, the terms,
conditions,  covenants,  provisions  and  agreements  herein  contained shall be
binding  upon  and inure to the benefit of Landlord, its successors and assigns,
and  Tenant,  its  permitted  successors  and  assigns.

                               ARTICLE TWENTY-FOUR

                         NO PARTNERSHIP OR JOINT VENTURE
                         -------------------------------

     Section  24.01.   Landlord  and  Tenant are not and shall not in any way be
considered joint venturers, partners or agents of each other, it being expressly
understood  that  the  relationship  between  them  is solely that of lessor and
lessee and nothing more.  Neither party shall have the power to bind or obligate
the  other in any way unless and except as may be set forth specifically in this
Lease.

                               ARTICLE TWENTY-FIVE

                                   POSSESSION
                                   ----------

     Section  25.01.   Tenant shall have full rights of possession commencing on
the  Commencement  Date.

                               ARTICLE TWENTY-SIX

                                     BROKERS
                                     -------

     Section  26.01.   Landlord  and  Tenant  warrant each and to the other that
they  have  not  contracted  with any other broker or real estate salesperson in
connection  with  this  transaction  nor  are  they  responsible  for  any other
brokerage  fees,  commissions  or  finders fees arising out of this Lease.  Each
party  to this Agreement shall hold the other party harmless of and from any and
all  real  estate  brokers'  or  salesperson's  commissions  or finders' fees in
connection  with  this  transaction  which  are  determined  to be due from said
indemnifying  party  by  a  court  of  competent  and  final  jurisdiction.

<PAGE>
                              ARTICLE TWENTY-SEVEN

                                    RADON GAS
                                    ---------

     Section  27.01.   Radon is a naturally occurring radioactive gas that, when
it  has  accumulated  in a building in sufficient quantities, may present health
risks  to  persons who are exposed to it over time.  Levels of radon that exceed
federal  and  state  guidelines  have  been  found  in  buildings  in  Florida.
Additional  information  regarding  radon and radon testing may be obtained from
your  county  public  health  unit.

                              ARTICLE TWENTY-EIGHT

                              CAPTIONS AND HEADINGS
                              ---------------------

     Section  28.01.   The  captions  and headings throughout this Lease are for
convenience  and  reference only and the words contained therein shall in no way
be held or deemed to define, limit, describe, explain, modify, amplify or add to
the  interpretation, construction or meaning of any provision of or the scope or
intent  of  this  Lease  nor  in  any  way  affect  this  Lease.

                               ARTICLE TWENTY-NINE

                              WAIVER OF JURY TRIAL
                              --------------------

     Section  29.01.   AS  A MATERIAL INDUCEMENT TO THE EXECUTION OF THIS LEASE,
LANDLORD  AND  TENANT  AGREE THAT IN THE EVENT ANY LITIGATION ARISING OUT OF THE
TERMS  AND  PROVISIONS  OF  THIS  LEASE OR THE RELATIONSHIP BETWEEN LANDLORD AND
TENANT,  THEN NEITHER PARTY SHALL SEEK A JURY TRIAL IN SUCH PROCEEDING, IT BEING
EXPRESSLY  AGREED  AND  STIPULATED  BY  THE PARTIES HERETO THAT ANY DISPUTES ARE
BETTER  RESOLVED  BY  A  JUDGE.

<PAGE>
     IN  WITNESS  WHEREOF,  the  parties  hereto  have  caused  this Lease to be
executed  as  of  the  day  and  year  first  above  written.

                                   "LANDLORD"

                                   PARAMOUNT  PROPERTIES,  LLC,  a
                                   Florida  limited  liability  company

                                   By:    /s/ Nicholas  M.  Kavouklis
                                        --------------------------------------
                                        Nicholas M. Kavouklis, Managing Member

                                   "TENANT"

                                   SAFEGUARD  HEALTH  PLANS,  INC.,  a
                                   Florida  corporation

                                   By:       /s/  Stephen  J.  Baker
                                           -------------------------------------
                                   Name:     Stephen  J.  Baker
                                           -------------------------------------
                                   Title:    Executive Vice President and Chief
                                           -------------------------------------
                                             Operating Officer
                                           -------------------

                                   By:       /s/  Ronald  I.  Brendzel
                                           -------------------------------------
                                   Name:     Ronald  I.  Brendzel
                                           -------------------------------------
                                   Title:    Senior Vice President and Secretary
                                           -------------------------------------

(Corporate  Seal)

<PAGE>
                                LIST OF EXHIBITS
                                ----------------

EXHIBIT  A  -  Legal  Description  of  Development
----------

EXHIBIT  B  - Diagram of Demised Premises (attached to original lease agreement)
----------

<PAGE>PLEDGE AGREEMENT

     This  is a PLEDGE AGREEMENT (this "AGREEMENT") dated as of August 30, 2002,
between  SafeGuard  Health  Enterprises,  Inc.,  a  Delaware  corporation
("SAFEGUARD"),  and  Nicholas  M. Kavouklis, DMD, a Florida resident ("SELLER").

                                   BACKGROUND
                                   ----------

     Seller  sold to SafeGuard all of the issued and outstanding common stock of
Paramount  Dental  Plan, Inc., a Florida corporation ("PARAMOUNT") pursuant to a
Stock  Purchase  Agreement dated April 24, 2002 (the "STOCK PURCHASE AGREEMENT")
among  SafeGuard,  Seller, and Paramount.  As part of its purchase price for the
Paramount  shares,  SafeGuard  executed  and  delivered  to  Seller  a  Secured
Convertible Promissory Note dated the same date as this Agreement  (the "NOTE"),
in  the  principal  amount  of  $2,625,000.  Concurrently  with  closing of this
transaction,  Paramount  merged  into  SafeGuard  Health  Plans, Inc., a Florida
corporation  ("SAFEGUARD  FLORIDA"),  and  Paramount's  outstanding  shares were
cancelled.  This  Agreement  evidences  the  terms on which SafeGuard, to secure
repayment  of  the  Note,  grants  to  Seller  a  security interest in SafeGuard
Florida's  outstanding  shares of common stock.  Capitalized terms not otherwise
defined  in  this  Agreement  have  the  meanings  ascribed to them in the Stock
Purchase  Agreement.

                                 OPERATIVE TERMS
                                 ---------------

     SafeGuard  and  Seller  agree  as  follows:

     1.     GRANT  OF  SECURITY  INTEREST.  To  secure  prompt  payment  and
            -----------------------------
performance of its obligations under the Note and this Agreement, subject to the
provisions  of  Section  10  of  this Agreement, SafeGuard pledges and grants to
                -----------
Seller a security interest in the following property (the "PLEDGED COLLATERAL"):

          (a)     SECURITIES.  All  securities of SafeGuard Florida now owned or
                  ----------
     later  acquired  by  SafeGuard,  and  all  new, substituted, and additional
     documents,  instruments,  and  general  intangibles  issued with respect to
     those securities (collectively, the "PLEDGED SHARES"), and all now existing
     and  later  arising  rights  of the holder of the Pledged Shares. Unless an
     Event  of  Default (as defined below) occurs, SafeGuard will be entitled to
     all  voting  rights  associated  with  the  Pledged  Shares.

          (b)     PROCEEDS.  All  proceeds  of  the  Pledged  Collateral.  For
                  --------
     purposes  of  this  Agreement,  the  term  "proceeds"  includes whatever is
     receivable  or  received when Pledged Collateral or proceeds of the Pledged
     Collateral  are  sold,  collected,  exchanged,  or  otherwise  disposed of,
     whether  the disposition is voluntary or involuntary, and includes, without
     limitation,  all  rights  to  payment in whatever form and however arising.

     2.     REPRESENTATIONS  AND  WARRANTIES.  SafeGuard represents and warrants
            --------------------------------
the  following,  both on execution of this Agreement and continuously during its
term:

<PAGE>
          (a)     OWNERSHIP  OF PLEDGED COLLATERAL.  SafeGuard is sole legal and
                  --------------------------------
     equitable  owner  of  and  has  good  and  marketable  title to the Pledged
     Collateral  (or,  in  the case of after-acquired Pledged Collateral, at the
     time  SafeGuard  Florida acquires rights in the Pledged Collateral, will be
     the  sole  legal and equitable owner) and is record and beneficial owner of
     the  Pledged  Shares.  The  Pledged Shares constitute all of the issued and
     outstanding  securities  of  SafeGuard  Florida.

          (b)     CREATION,  PERFECTION, ANDPRIORITY.  The parties' execution of
                  ----------------------------------
     this  Agreement  and  SafeGuard's  delivery  to  Seller  of  a  certificate
     evidencing  the  Pledged  Shares  create  in  favor  of  Seller a perfected
     security interest in the Pledged Shares. Except for this security interest,
     no  person  or  entity  has  (or,  in  the  case  of after-acquired Pledged
     Collateral,  at  the  time  SafeGuard Florida acquires rights therein, will
     have)  any right, title, claim, or interest (by way of security interest or
     other  lien or charge) in the Pledged Collateral. The Pledged Shares do not
     include  any  uncertificated  securities.

     3.     COVENANTS  AND  AGREEMENTS  OF  SAFEGUARD.
            -----------------------------------------

          (a)     DELIVERY.  SafeGuard  shall  deliver to Seller the certificate
                  --------
     representing  the  Pledged  Shares  and  a  stock power with respect to the
     Pledged  Shares,  endorsed in blank. SafeGuard shall also deliver to Seller
     all  instruments,  documents,  chattel  paper,  and  other items of Pledged
     Collateral  for  which  a security interest may be perfected by possession,
     together  with  the  additional  writings  (including assignments and stock
     powers)  that  Seller  reasonably  requests,  provided,  however,  that the
                                                   --------   -------
     assignments  and stock powers may be used to transfer or assign the Pledged
     Collateral  only  when  an  Event of Default occurs. Seller shall cause all
     securities  included  in  the  Pledged  Shares to be or remain certificated
     securities. Seller will retain possession of the foregoing documents for so
     long  as  the  Note  remains  outstanding.

          (b)     PRESERVE  PLEDGED  COLLATERAL.  SafeGuard  shall  do  all acts
                  -----------------------------
     necessary  to  maintain,  preserve,  and  protect  the  Pledged Collateral.

          (c)     USE  OF  PLEDGED COLLATERAL. SafeGuard shall not use and shall
                  ---------------------------
     not  permit any Pledged Collateral to be used unlawfully or in violation of
     any  provision  of  this  Pledge Agreement, any other agreement with Seller
     related  to  the Pledged Collateral, or any applicable statute, regulation,
     or  ordinance  or  any policy of insurance covering the Pledged Collateral.

          (d)     PAY  TAXES.  SafeGuard  shall pay promptly when due all taxes,
                  ----------
     assessments,  charges, encumbrances and liens imposed upon or affecting any
     Pledged  Collateral.

          (e)     DEFEND  LITIGATION.  SafeGuard  shall appear in and defend any
                  ------------------
     action  or  proceeding  that  might affect SafeGuard's title to or Seller's
     interest  in  the  Pledged  Collateral.

<PAGE>
          (f)     POSSESSION  OF  PLEDGED  COLLATERAL.  SafeGuard  shall  not
                  -----------------------------------
     surrender  or  lose  possession  of (other than to Seller), sell, encumber,
     lease,  rent,  or  otherwise dispose of or transfer any Pledged Collateral,
     and  shall  keep  the  Pledged  Collateral  free of all levies and security
     interests  or  other liens or charges (including, but not limited to junior
     liens),  except  those  that  Seller  approves  in  writing.

          (g)     COMPLY  WITH  LAW.  SafeGuard  shall  comply  with  all  laws,
                  -----------------
     regulations,  and  ordinances  relating  to  possession,  maintenance,  and
     control  of  the  Pledged  Collateral.

          (h)     MAINTAIN  RECORDS;  NOTIFY  OF  CHANGES.  SafeGuard shall keep
                  ---------------------------------------
     separate,  accurate,  and complete records of the Pledged Collateral at its
     principal place of business and provide to Seller the records, reports, and
     information  relating  to  the Pledged Collateral that Seller requests from
     time  to  time.  SafeGuard shall give Seller thirty (30) days prior written
     notice  of any change in SafeGuard Florida's principal place of business or
     legal  name  or  trade  name(s).

          (i)     FURTHER  ASSURANCES.  SafeGuard  shall  procure,  execute, and
                  -------------------
     deliver  from  time  to time any stock powers, endorsements, notifications,
     registrations,  assignments,  financing  statements, certificates and other
     writings  deemed  necessary  or appropriate by Seller to perfect, maintain,
     and  protect  its  security  interest  in  the  Pledged  Collateral and the
     priority  of  the  security  interest.

          (j)     PAY  SELLER'S  COSTS  AND  EXPENSES. SafeGuard shall reimburse
                  -----------------------------------
     Seller on demand for costs and expenses, including reasonable attorney fees
     and  disbursements,  that  Seller  incurs in properly exercising any right,
     power,  or  remedy  provided  by  this  Agreement  or  by  law.

          (k)     DIVIDENDS ON PLEDGED SHARES. SafeGuard shall account fully for
                  ---------------------------
     and  promptly  deliver to Seller, in the form received, any dividend or any
     other  distribution  on account of the Pledged Shares whether in securities
     or  property by way of stock-split, spin-off, split-up or reclassification,
     combination  of  shares  or  the  like,  or  in case of any reorganization,
     consolidation,  or  merger;  provided, however, that until there shall have
                                  --------  -------
     occurred  an  Event of Default or a condition that with the passage of time
     or  notice  will  constitute  an Event of Default, SafeGuard may retain any
     cash  dividends  paid  on  account  of  the Pledged Shares. SafeGuard shall
     permit SafeGuard Florida to pay cash dividends only to the extent permitted
     by  the  terms  of  the  Note.

     4.     TERM  OF  PLEDGE;  RELEASE.   Except  as  otherwise provided in this
            --------------------------
Agreement,  equitable  title  to the Pledged Shares remains vested in SafeGuard.
Seller  holds the Pledged Shares only as security for the repayment of the Note.
Seller shall not encumber or dispose of the Pledged Shares, except in accordance
with  the provisions of this Agreement.  The Pledged Shares shall remain pledged
to Seller until all sums due under the Note and this Agreement have been paid in
full.  Any  release  of  the  Pledged  Collateral  from  this Agreement will not
release  SafeGuard  from continuing obligations under the Note. Upon the payment
and  performance in full of the Note, SafeGuard shall be entitled to the return,
upon  its  written request and at its expense, of

<PAGE>
such  of the Pledged Collateral as shall not have been sold or otherwise applied
pursuant  to  the  terms  of  this  Agreement.

     5.     EVENT  OF DEFAULT.  An "Event of Default" under this Agreement means
            -----------------
an  Event  of  Default  under  the  Note.

     6.     REMEDIES  UPON DEFAULT.  Upon the occurrence of an Event of Default,
            ----------------------
subject to the provisions of Section 10, Seller shall have, and may exercise any
                             ----------
one  or  more  of,  the  following  rights:

          (a)     Seller  may  vote  the Pledged Shares on all corporate matters
     and  sign  written  consents  in  lieu  of  meeting as owner of the Pledged
     Shares;

          (b)     Seller  may  take  absolute  title  to  the  Pledged Shares by
     completing  the  stock  power with respect to the Pledged Shares, and after
     this  transfer  Seller  will  solely  own  the  Pledged  Shares;

          (c)     Seller  may,  at its option, exercise any rights to convert or
     exchange  the Pledged Shares for other securities of SafeGuard Florida, and
     any  and  all  other  rights,  privileges,  options or powers pertaining or
     relating  to  the  Pledged  Shares.  SafeGuard  irrevocably constitutes and
     appoints  Seller  its  proxy  and  attorney-in-fact  with  full  power  of
     substitution to exercise any and all rights, privileges, options, or powers
     of  SafeGuard  pertaining  or  relating  to  the  Pledged  Shares;  or

          (d)     Seller  may  sell,  assign, and deliver all or any part of the
     Pledged  Shares  at  any private sale or at public auction, with or without
     demand or advertisement of the time or place of sale or adjournment thereof
     or  otherwise, for cash, for credit or for other property or consideration,
     for  immediate  or future delivery. Any sale or offer of the Pledged Shares
     by  Seller  pursuant to the terms of this Agreement shall be at SafeGuard's
     expense.  SafeGuard shall reimburse Seller for his costs and other expenses
     in having the Pledged Shares sold or offered for sale, including attorneys'
     fees.

     7.     APPLICATION  OF  PROCEEDS.  Seller  shall  apply the proceeds of any
            -------------------------
sale  of  all  or  any  part  of  the  Pledged Shares and any dividends or other
distributions  that  it directs to himself pursuant to the provisions of Section
                                                                         -------
3(k),  together with any other funds held by Seller under the provisions of this
----
Agreement,  after  deducting  all  costs  and  expenses  of collection, sale and
delivery  (including  without  limitation,  attorneys'  fees, paralegal fees and
expenses,  for  all  proceedings,  trials and appeals and all costs and expenses
incurred  by  Seller)  incurred by Seller, to the payment of all amounts due and
payable  on the Note and all other liabilities of SafeGuard to Seller.  After it
pays  in  full  these  amounts, Seller shall pay to SafeGuard the balance of any
such  proceeds.

     8.     PRIVATE  SALE  OF  PLEDGED  SHARES.  Subject  to  the  provisions of
            ----------------------------------
Section  10,  Seller  may  effect a private sale of Pledged Shares. In effecting
-----------
such  private sale, SafeGuard waives for itself or its assigns, to the extent it
is  legally  able  to  do  so,  any  requirement  (statutory  or  otherwise)  of
advertisement  (general  or  limited)  or public announcement as to the time and
place  of  the  sale  of  the  Pledged  Shares  by  Seller.

<PAGE>
     9.     RIGHT  TO  BID  OR  PURCHASE.  At  any sale made pursuant to Section
            ----------------------------                                 -------
6(d),  Seller  may bid for or purchase, free from any right of redemption on the
----
part  of  SafeGuard (all said rights being also waived and released), all or any
portion  of  Pledged  Shares  offered  for  sale and may make payment on account
thereof  by  using  any  outstanding balance of the Note as a credit against the
purchase  price,  and  Seller may, upon compliance with the terms of sale, hold,
retain  and  dispose  of  such  Pledged  Shares  without further accountability.
However,  notwithstanding  any of the foregoing, nothing in this Agreement shall
be  construed  as  a  requirement of Seller to sell, or attempt to sell, Pledged
Shares  upon  an  Event  of  Default.

     10.     GOVERNMENTAL  REQUIREMENTS.  SafeGuard  Florida  is  licensed  as a
             --------------------------
Prepaid  Limited  Health  Service  Organization  under  the laws of the State of
Florida.  Any  transfer  or  voting of the Pledged Shares by Seller requires the
prior  approval of the Florida Department of Insurance (the "DEPARTMENT").  This
Agreement  and the obligations of SafeGuard and the rights of Seller are subject
to  the Department's requirements and obtaining the Department's prior approval,
notwithstanding  any  provision of this Agreement to the contrary.  In the event
of  an  Event  of  Default  under  this  Agreement,  SafeGuard  shall assist and
cooperate  in  all  respects  in  the  process  pursuant to which Seller secures
approval  of  the  transfer  by  the  Department.

     11.     POWER  OF  ATTORNEY.
             -------------------

          (a)     SafeGuard irrevocably constitutes and appoints Seller (and his
     personal  representative  in the event of Seller's death or disability) the
     true  and  lawful  attorney-in-fact  of  SafeGuard  to  make,  execute,
     acknowledge,  swear  to  and  file  after  an  Event  of  Default:  (i) any
     application, request, certificate or other instrument which may be required
     to  be filed with the Department or any other governmental authority in the
     State  of Florida or any other jurisdiction whose laws may be applicable to
     effectuate  any  transfer  or  voting  of  the Pledged Shares by Seller, in
     accordance  with  the provisions of this Agreement; and (ii) any instrument
     which  the  Seller  deems  necessary  or  appropriate  to  facilitate  the
     implementation  of the terms of this Agreement, so long as such instruments
     do not alter the rights or obligations of SafeGuard under the terms of this
     Agreement.

          (b)     It  is  expressly acknowledged by SafeGuard that the foregoing
     power  of  attorney  is  coupled with an interest, is irrevocable and shall
     survive  the bankruptcy or insolvency of SafeGuard or any assignment of the
     Pledged  Shares  for  the  benefit  of  creditors.  The  foregoing grant of
     authority:  (i)  may  be  exercised  by  Seller  (or  Seller's  personal
     representative)  by  a  facsimile  signature,  and  (ii)  shall  not  cause
     SafeGuard to be liable in any manner for the act or omissions of Seller (or
     Seller's  personal representative) and is granted only to permit Seller (or
     Seller's  personal  representatives)  to  carry  out the provisions of this
     Agreement.

<PAGE>
     12.     MISCELLANEOUS.
             -------------

          (a)     NOTICES.  All  demands,  notices  and  other communications to
                  -------
     Seller  or SafeGuard provided for under this Agreement shall be provided as
     set  forth  in  the  Stock  Purchase  Agreement.

          (b)     GOVERNING  LAW.  The  validity,  construction, interpretation,
                  --------------
     and  enforceability  of this Agreement shall be governed by the laws of the
     State of Florida without giving effect to the choice of laws rules thereof.

          (c)     COUNTERPARTS.  This Agreement may be executed in any number of
                  ------------
     counterparts,  each  of  which  when  so  executed  will be deemed to be an
     original  and  all of which when taken together will constitute one and the
     same  agreement.

          (d)     SUCCESSORS  AND  ASSIGNS.  This Agreement is not assignable by
                  ------------------------
     any  party  without the prior written consent of the other parties, and any
     attempted assignment without the prior written consent of the other parties
     shall  be  invalid  and  unenforceable  against  the  other  parties.  This
     Agreement  is  binding  upon,  and inures to the benefit of, the respective
     heirs, authorized assignees, successors and personal representatives of the
     parties  to  it. The terms "SafeGuard Florida," "SafeGuard" and "Seller" as
     used  in  this Agreement shall include such persons' successors, authorized
     assigns,  heirs  and  personal  representatives.

          (e)     HEADINGS,  CAPTIONS  AND  PRONOUNS.  The  Section  headings,
                  ----------------------------------
     captions  or abbreviations are included solely for convenient reference and
     shall  not  control the meanings or interpretation of any of the provisions
     of this Agreement. As used herein, words in the singular include the plural
     and  the words in the masculine include the feminine and neuter gender, and
     vice  versa  whenever  the  context  so  requires.

          (f)     WAIVER.  No  waiver  of  any  breach  or  default  under  this
                  ------
     Agreement  shall  be  deemed  to  be  a  waiver of any subsequent breach or
     default.  SafeGuard  waives  any right to require Seller to proceed against
     any  person  or  entity  to exhaust any Pledged Collateral or to pursue any
     remedy  in  Seller's  power.

          (g)     INCORPORATION  OF  RECITALS.  The  recitals  set  forth at the
                  ---------------------------
     beginning  of this Agreement are hereby incorporated into this Agreement by
     this  reference  and  this Agreement shall be interpreted with reference to
     such  recitals.

          (h)     ENTIRE  AGREEMENT;SEVERABILITY.  This  Agreement  contains the
                  ------------------------------
     entire  pledge agreement between SafeGuard and Seller. This Agreement shall
     not  be  severable  in  any  way,  but if any provision shall be held to be
     invalid,  the  invalidity shall not affect the validity of the remainder of
     this  Agreement  and the remainder of this Agreement shall continue in full
     force  and  effect.

          (i)     AMENDMENT.  This  Agreement  may  not  be  amended or modified
                  ---------
     except  by  a  writing  signed  by  each  of  the  parties.

<PAGE>
          (j)     CUMULATIVE RIGHTS.  The rights, powers, and remedies of Seller
                  -----------------
     under  this  Agreement  shall  be  in  addition  to all rights, powers, and
     remedies given to Seller by virtue of any statute or rule of law, the Stock
     Purchase  Agreement  or any Related Agreement, all of which rights, powers,
     and  remedies  shall  be  cumulative  and  may be exercised successively or
     concurrently  without  impairing  Seller's security interest in the Pledged
     Collateral.

            {The remainder of this page is intentionally left blank.}

<PAGE>
                             STOCK PLEDGE AGREEMENT

                                 SIGNATURE PAGE

     The  undersigned  execute  the  Stock  Pledge  Agreement and authorize this
signature  page  to  be  attached to a counterpart of the Stock Pledge Agreement
executed  by  the  other  parties  to  the  Stock  Pledge  Agreement.

Executed as of the day and year first above written.

                                   "SAFEGUARD"

                                   SAFEGUARD  HEALTH  ENTERPRISES,  INC.,
                                   a  Delaware  corporation

                                   By:   /s/  Stephen J. Baker
                                        ---------------------------------------
                                        Stephen J. Baker
                                        Executive Vice President & Chief
                                        Operating Officer

                                   By:   /s/  Ronald I. Brendzel
                                        ---------------------------------------
                                        Ronald  I.  Brendzel
                                        Senior Vice President and Secretary

<PAGE>
                             STOCK PLEDGE AGREEMENT

                                 SIGNATURE PAGE

     The  undersigned  executes  the  Stock  Pledge Agreement and authorize this
signature  page  to  be  attached to a counterpart of the Stock Pledge Agreement
executed  by  the  other  parties  to  the  Stock  Pledge  Agreement.

Executed as of the day and year first above written.

                                              "SELLER"

                                                /s/  Nicholas M. Kavouklis, DMD
                                              ----------------------------------
                                              Nicholas M. Kavouklis, DMD

<PAGE>
                             IRREVOCABLE STOCK POWER

For  value  received,  the  undersigned does hereby sell, assign and transfer to
Nicholas  M.  Kavouklis,  DMD __________ shares of the common stock of SafeGuard
Health  Plans,  Inc.,  a  Florida  corporation represented by certificate number
__________  standing  in  the  name  of  the  under-signed  on the books of said
company.

The  undersigned  does  hereby  irrevocably  constitute  and  appoint
____________________  attorney  to  transfer the said stock on the books of said
company,  with  full  power  of  substitution  in  the  premises.

Dated August 30, 2002

                                  SAFEGUARD HEALTH ENTERPRISES, INC.,
                                  a Delaware corporation

                                       By:   /s/  James E. Buncher
                                            ------------------------------------
                                           James E. Buncher
                                           President and Chief Executive Officer

                                        By:   /s/  Ronald I. Brendzel
                                            ------------------------------------
                                            Ronald I. Brendzel
                                            Senior Vice President and Secretary

<PAGE>

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