Document:

Exhibit 10.43

Exhibit 10.43

      THIRD
AMENDMENT TO CREDIT AGREEMENT 

        This
Third Amendment to Credit Agreement (this “Third Amendment to Credit
Agreement”) is made as of this 1st day of September, 2004, between
ASCENT ASSURANCE, INC. (the “Borrower”); the several entities identified
on the signature pages to the Credit Agreement (as defined below) as Lenders and each
other person that becomes a Lender (collectively, “Lenders,” and each
individually, a “Lender”); and CREDIT SUISSE FIRST BOSTON MANAGEMENT LLC
(formerly CREDIT SUISSE FIRST BOSTON MANAGEMENT CORPORATION) (“CSFBM”),
as Administrative Agent (In such capacity, the “Administrative Agent”), and as
Arranger (in such capacity, the “Arranger”). 

WITNESSETH 

        WHEREAS,
the Borrower, the Lenders, the Administrative Agent and the Arranger are parties to a
Credit Agreement dated as of April 17, 2001, as amended (the “Credit
Agreement”), providing, subject to the terms and conditions thereof, for
extensions of credit to be made by the Lenders to the Borrower; and 

        WHEREAS,
the parties wish to amend the Credit Agreement to eliminate certain financial covenants
and to amend the definition of “Indebtedness”; 

        NOW,
THEREFORE, in consideration of the mutual agreements herein contained and other good and
valuable consideration, the adequacy of which is hereby acknowledged, and subject to the
terms and conditions hereof, the parties hereto hereby agree as follows: 

        Section
1. Definitions. Except as otherwise defined in this Third Amendment to Credit
Agreement, terms defined in the Credit Agreement are used herein as defined therein. 

        Section
2. Amendments. Upon satisfaction of the conditions set forth in Section 4 of this
Third Amendment to Credit Agreement, the Credit Agreement shall, effective as of the date
hereof, be amended as follows: 

        2.1
Credit Agreement References. References in the Credit Agreement (including
references to the Credit Agreement as amended hereby) to “this Agreement” (and
indirect references such as ‘hereunder”, “hereby”, “herein”
and “hereof”) shall be deemed to be references to the Credit Agreement as
amended hereby. 

        2.2
Definitions. (a) Section 1.1 of the Credit Agreement shall be amended by adding the following
new definition:

        “Cutler
Employment Agreement” means the employment agreement dates as of September 1,
2004 between Borrower and Mr. Ben Cutler, as the same may be amended from time to time. 

             (b) 
          Section 1.1 of the Credit Agreement shall be amended by deleting the definition
          of “Indebtedness” and replacing it in its entirely with the following
          definition: 

        “Indebtedness”
means with respect to any Person at any date, (a) Debt for Borrowed Money of that Person,
(b) all indebtedness of that Person for the deferred purchase price of property or
services (other than current trade liabilities and accrued expenses incurred in the
ordinary course of that Person’s business and payable in accordance with customary
practices), (c) all outstanding reimbursement obligations of that Person in respect to of
outstanding letters of credit, acceptances and similar obligations issued or created for
the account of that Person, (d) all liabilities secured by any Lien on any property owned
by that Person even if that Person has not assumed ot otherwise become liable for the
payment thereof, (e) liabilities arising under Hedging Agreements of that person (other
than interest rate caps purchased by it), (f) all Guaranties of that person and (g) all
Capital Lease Obligations of that Person; provided that, notwithstanding the foregoing, no
present or future payment obligation of Borrower under the Cutler Employment Agreement
shall constitute “Indebtedness” for purposes of this Agreement. 

        2.3
Minimum Net Worth. Section 6.1(a) of the Credit Agreement shall be deleted in its entirety and
designated as "Reserved".

        Section
3. Reaffirmation of the Borrower. The Borrower hereby represents and warrants to
CSFBM that upon execution hereof no event of Default has occurred and is continuing under
the Credit Agreement and the Credit Agreement as so amended, shall remain in full force
and effect. 

        Section
4. Conditions Precedent. The effectiveness of this Third Amendment to Credit
Agreement is expressly conditioned upon CSFBM having received one or more counterparts of
this Third Amendment to Credit Agreement duly executed by the Borrower. 

        Section
5. Miscellaneous. Except as herein provided, the Credit Agreement and each other
Loan Document shall remain unchanged and in full force and effect. This Third Amendment
and each other Loan Document shall remain unchanged and in full force and effect. This
Third Amendment to Credit Agreement may be executed in two or more counterparts, each of
which shall be deemed an original, but all of which together shall constitute one and the
same document. This Third Amendment to Credit Agreement shall be governed by, and
construed in accordance with, the law of the state of New York. 

        IN
WITNESS WHEREOF, the parties hereto have caused this Third Amendment to Credit Agreement
to be duly executed and delivered as of the day and year first above written. 

BORROWER: 

	 	ASCENT ASSURANCE, INC.	
	 	By /Cynthia B.
Koenig/
 Name: Cynthia B. Koenig
Title:
Senior VP, CFO & Treasurer 

ADMINISTRATIVE AGENT AND
ARRANGER: 

	 	CREDIT SUISSE FIRST BOSTON MANAGEMENT LLC	
	 	By /Alan
Freudenstein/
 Name: Alan Freudenstein
Title:
President 

LENDERS: 

	 	CREDIT SUISSE FIRST BOSTON MANAGEMENT LLC	
	 	By /Alan
Freudenstein/
 Name: Alan Freudenstein
Title:
PresidentExhibit 10.44

Exhibit 10.44

First Amendment to
Pledge Agreement 

This First Amendment to Pledge
Agreement (the “First Amendment”) is made as of this 28th day of
October, 2004 by and among Ascent Assurance, Inc. (the “Pledgor”) and Credit
Suisse First Boston LLC (formerly known as Credit Suisse First Boston Management
Corporation) (the “Pledgee”). 

WITNESSETH 

WHEREAS, the Pledgor and the Pledgee
are parties to that certain pledge agreement dated as of April 17, 2001 (the “Pledge
Agreement”); 

WHEREAS, the Pledgor desires to sell
100% of the capital stock of Westbridge Printing Services, Inc., a wholly owned subsidiary
of Pledgor; 

NOW THEREFORE, for good and valuable
consideration, the receipt and adequacy of which are hereby acknowledged, the Pledgor and
Pledgee hereby agree as follows: 

ANEX 1 to the Pledge Agreement is
deleted in its entirety and replaced with the following: 

				
	 	Pledged Stock
	Company	No. of Shares	Class of Stock	Certificate Nos.	 
	Foundation Financial
Services, Inc.	1	common	2
	Pacific Casualty
	Company, Inc.	1,000	common	1

Section 2. ConditionsThe
effectiveness of this First Amendment is expressly conditioned upon receipt by Pledgee of
one or more copies of this First Amendment executed by the Pledgor. 

Section 3.  Release 

     	(a) 	 	
          The Pledgee shall deliver to the Pledgor all certificates (or, in the event that
          such certificates have been lost, stolen or destroyed, an affidavit of that
          fact) evidencing the Pledged Collateral solely with respect to Westbridge
          Printing Services, Inc. (the “WPS Collateral”). 

          

     	(b) 	 	
          The Pledgee shall execute and deliver such additional documents as may be
          necessary to evidence the release of any obligations of Pledgor solely with
          respect to the WPS Collateral. 

          

     	(c) 	 	
          The Pledgor is hereby released and discharged from its obligations under the
          Pledge Agreement with respect to the WPS Collateral. 

          

     	(d) 	 	
          Solely with respect to the WPS Collateral, the Pledgor hereby forever releases
          the Pledgee from all claims it may have against the Pledgee arising out of the
          Pledge Agreement and acknowledges that the Pledgee has no further obligations or
          liabilities owing to the Pledgor. 

          

Section 4. Ratification.
Except as modified above, all other terms and provisions of the Pledge Agreement, and any
other related agreements shall continue in full force and effect and are hereby ratified
and confirmed by the Pledgor and the Pledgee. 

Section 5.  Binding Effect.
This First Amendment shall be binding upon the Pledgor and its successors and assigns and
inure to the benefit of Pledgee and its successors and assigns. 

Section 6.  Entire Agreement.
This First Amendment contains the entire agreement between the parties relating to the
subject matter hereof and supercedes all oral statements and prior writings with respect
thereto. 

Section 7.  Counterparts. This
First Amendment may be executed in multiple counterparts, all of which taken together
shall constitute one instrument. 

Section 8.  Governing Law. THIS
FIRST AMENDMENT SHALL BE DEEMED TO BE A CONTRACT MADE UNDER AND GOVERNED BY THE INTERNAL
LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CONFLICT OF THE LAWS PRINCIPLES
THEREOF. 

IN WITNESS THEREOF, the parties
hereto have caused this First Amendment to be duly executed and delivered as of the day
and year first above written. 

PLEDGOR: 

ASCENT ASSURANCE, INC. 

By /Cynthia B. Koenig/ 
Name: Cynthia B. Koenig
Title: SVP, CFO & Treasurer

PLEDGEE: 

CREDIT SUISSE FIRST
BOSTON MANAGEMENT LLC 

By /Alan Freudenstein/ 
Name: Alan Freudenstein
Title: PresidentExhibit 10.45

Exhibit 10.45

Second Amendment and
Consent to Guaranty and Security Agreement 

This Second Amendment and Consent to
Guaranty and Security Agreement (the “Second Amendment”) is made as of this
28th day of October, 2004 by and among Foundation Financial Services, Inc.,
NationalCare® Marketing, Inc., Lifestyles Marketing Group, Inc., Precision Dialing
Services, Inc., Senior Benefits LLC and Westbridge Printing Services, Inc.
(“WPS”) each as a “Grantor” and Credit Suisse First Boston LLC
(formerly known as Credit Suisse First Boston Management Corporation) as “Secured
Party”. 

WITNESSETH 

WHEREAS, the Grantors and the Secured
Party are parties to the Guaranty and Security Agreement dated as of April 17, 2001 (the
“Guaranty Agreement”); 

WHEREAS, Ascent Assurance, Inc. (the
“Borrower”) and Secured Party are parties to that certain credit agreement dated
as of April 17, 2001 (the “Credit Agreement”); 

WHEREAS, the Borrower desires to sell
100% of the capital stock of WPS; 

NOW THEREFORE, for good and valuable
consideration, the receipt and adequacy of which are hereby acknowledged, the Grantors and
Secured Party hereby agree as follows: 

Section 1. Amendments. Upon
satisfaction of the conditions set forth in Section 2 of this Second Amendment, effective
as of the date hereof, the Guaranty Agreement shall be amended as follows: 

WPS is eliminated from the definition
of Grantor in the first paragraph of the Guaranty Agreement and all of its obligations as
a Grantor under the Guaranty Agreement are terminated. 

Section 2. Conditions. The
effectiveness of this Second Amendment is expressly conditioned upon receipt by Secured
Party of one or more copies of this Second Amendment executed by the Grantors. 

Section 3. Ratification.
Except as modified above, all other terms and provisions of the Guaranty Agreement, and
any other related agreements shall continue in full force and effect and are hereby
ratified and confirmed by each of the Grantors and the Secured Party. This Second
Amendment amends and shall be in addition to any previous amendments to the Guaranty
Agreement executed by Secured Party. 

Section 5. Binding Effect.
This Second Amendment shall be binding upon each of the Grantors and its successors and
assigns and inure to the benefit of Secured Party and its successors and assigns. 

Section 6. Entire Agreement.
This Second Amendment contains the entire agreement between the parties relating to the
subject matter hereof and supercedes all oral statements and prior writings with respect
thereto. 

Section 7. Counterparts. This
Second Amendment may be executed in multiple counterparts, all of which taken together
shall constitute one instrument. 

Section 8. Governing Law. THIS
SECOND AMENDMENT SHALL BE DEEMED TO BE A CONTRACT MADE UNDER AND GOVERNED BY THE INTERNAL
LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CONFLICT OF THE LAWS PRINCIPLES
THEREOF. 

IN WITNESS THEREOF, the parties
hereto have caused this Second Amendment to be duly executed and delivered as of the day
and year first above written. 

GRANTORS: 

FOUNDATION FINANCIAL SERVICES, INC.

By /Benjamin M. Cutler/
Name:
Benjamin M. Cutler
Title: President 

NATIONALCARE®MARKETING, INC.

By /Cynthia B. Koenig/ 
Name:
Cynthia B. Koenig 
Title: SVP & Treasurer 

LIFESTYLES MARKETING GROUP, INC.

By /Benjamin M. Cutler/
Name:
Benjamin M. Cutler
Title: President 

PRECISION DIALING SERVICES, INC.

By /Cynthia B. Koenig/ 
Name:
Cynthia B. Koenig 
Title: SVP, Treasurer 

SENIOR BENEFITS, LLC

By /Benjamin M. Cutler/
Name:
Benjamin M. Cutler 
Title: President and
Chief Executive Officer 

WESTBRIDGE PRINTING SERVICES, INC.

By /Cynthia B. Koenig/
Name:
Cynthia B. Koenig 
Title: Chief Financial
Officer 

SECURED PARTY: 

CREDIT SUISSE FIRST BOSTON MANAGEMENT LLC

By /Alan Freudenstein/ 
Name: Alan Freudenstein
Title:
President

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