Document:

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                                                                   Exhibit 10.18

             USI MARKETING SUPPORT AGREEMENT FOR VOLUNTARY BENEFITS
                                  ("AGREEMENT")

     This Agreement is entered into as of November 13 2001, by and between
UnumProvident Corporation, a Delaware corporation located at One Fountain
Square, Chattanooga, Tennessee 37402 ("Unum") and USI Insurance Services Corp.,
a Delaware corporation located at 50 California Street, 24th Floor, San
Francisco, California ("USI").

                               W I T N E S S E T H
                               - - - - - - - - - -

     WHEREAS, USI wants Unum to pay to USI a Voluntary Benefits Marketing
Service Fee ("MSF") in the sum of Five Hundred Thousand Dollars and No Cents
($500,000.00)("Principal Sum") to be used for the following purpose: Marketing,
through its network of retail insurance brokerage and administrative service
companies, Unum or its subsidiaries' Voluntary Benefits products.

     WHEREAS, Unum is willing to pay to USI the Principal Sum for such purpose
with the understanding that the Principal Sum, or a portion thereof, remains
subject to reimbursement pursuant to the terms and conditions contained herein.

     NOW THEREFORE, it is understood and agreed as follows:

     l.   Marketing Service Fee Advance. Subject to the terms and conditions
          ------------------------------
contained herein, Unum shall pay to USI the Principal Sum upon execution of this
Agreement.

     2.   Principal Sum Reimbursement. On November 1, 2004 (the "Determination
          ----------------------------
Date") Unum shall determine how much, if any, of the Principal Sum paid to USI
shall be subject to reimbursement as follows:

          Unum will deduct two percent (2.0%) of the Eligible New Paid
     Annualized

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     Voluntary Workplace Benefits Premium, which is cumulatively produced from
     October 1, 2001 through October 1, 2004 in excess of $16,000,000.00 but not
     over $41,000,000.00 from the Principal Sum.

          Eligible New Paid Annualized Voluntary Workplace Benefits Premium
shall be limited to all New Paid Annualized Voluntary Workplace Benefits Premium
attributable to CBP Technologies, Inc. ("CBP") from the following:

          a. 100% of the eligible New Paid Annualized Voluntary Workplace
     Benefit Premium for the business referred to Unum by CBP.

          b. 100% of the eligible New Paid Annualized Voluntary Workplace
     Benefit Premium for the business referred to Unum by USI but not enrolled
     by CBP; however, CBP must notify Unum in writing of these situations on or
     before the applicable annual calculation of the Eligible New Paid
     Annualized Voluntary Workplace Benefit Premium.

          c. CBP's percentage share of the eligible New Paid Annualized Premium
     for the business referred to CBP by Unum. Should CBP receive 100% of the
     eligible New Paid Annualized Voluntary Workplace Benefit Premium for the
     business referred to CBP by Unum, CBP will notify Unum what the share CBP
     is directly paying to the other agents(s).

          Eligible New Paid Annualized Voluntary Workplace Benefits Premium will
be calculated based on first month paid premium, annualized from new
applications written on Unum or its subsidiaries for the following Voluntary
Workplace Benefits Products:

               PS 1000
               PS 2000
               Critical Illness

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               PS Protector
               PS Enhancer
               PS Term

          and any other Voluntary Workplace Benefit Products developed through
Unum or its Subsidiaries' Voluntary Workplace Benefits departments

     3.   Reimbursable Principal Sum.
          ---------------------------

          a. The Principal Sum outstanding on October 1, 2004 shall be
     determined by Unum on November 1, 2004 which sum shall be amortized over a
     twenty-four (24) month period beginning October 1, 2004 and payable by USI
     in twenty-two (22) equal monthly installments of principal and interest at
     a rate per annum of 2% over the rate of interest publicly announced on
     November 1, 2001 by SunTrust Bank, Chattanooga, N.A. or its successor, from
     time to time in Chattanooga, Tennessee as its "Base" or "Prime" rate, with
     payments due on the first business day of each month beginning December 1,
     2004 and ending October 1, 2006.

          b. In the event any monthly payment due and payable herein shall
     become overdue for a period in excess of ten (10) days, a charge of 4% of
     such overdue payment may be charged by Unum for the purpose of defraying
     the expense incident to handling such overdue payment. This provision shall
     not be deemed to excuse a late payment or be deemed a waiver of any other
     rights Unum may have including the right to declare the entire unpaid
     principal and interest due and payable.

     4.   Acceleration of Principal Sum.
          ------------------------------

          The Outstanding Principal Sum shall become due and payable within
thirty (30) days after USI receives written notice should USI fail to produce
Eligible New Paid Annualized

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Voluntary Workplace Benefits Premium in the amount of $4,000,000.00 or greater
for the period 9/1/2001 through 8/30/2002; $6,500,000.00 or greater for the
period 9/1/2002 through 8/30/2003; $10,000,000.00 or greater for the period
9/1/2003 through 8/30/2004. In the event USI exceeds the Annual Target, as
defined below, in any of the above referenced periods, that excess amount will
be carried over as a credit to be applied in any subsequent period where there
is a shortfall.

          The Annual Target for the period 9/1/2001 through 8.30/2002 shall be
$8,000,000.00. The Annual Target for the period 9/1/2002 through 8/30/2003 shall
be $13,000,000.00. The Annual Target for the period 9/1/2003 through 8/30/2004
shall be $20,000,000.00.

          Should Unum express its right to accelerate the return of the
Principal Sum under this section, USI may deduct from the Principal amount to be
returned to Unum before two percent (2%) of the New paid Annualized Voluntary
Workplace Benefits Premium generated from October 1, 2001 to the date USI
receives the written reimbursement request.

     5.   Conditions Precedent. Prior to closing, Unum shall have received from
          ---------------------
USI's Senior Vice President and General Counsel, in form and content acceptable
to Unum, the following:

          a. The most recent certified copy of the Certificate of Good Standing;
     and

          b. Opinion of Counsel Letter from attorney for USI that this Agreement
     is valid and enforceable against USI according to its terms.

     6.   Methods of Payment. Payments of principal and interest shall be
          -------------------
payable in lawful money of the United State of America and shall be delivered to
Unum Corporation, One

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Fountain Square, Chattanooga, Tennessee 37402, Attention: Ken Chambers 6S, or
such other location as Unum may designate from time to time.

     7. Prepayment. USI shall have the right to prepay the Principal Sum in
        ----------
whole or in part, but not less than $25,000.00 without penalty, plus accrued
interest, at any time before October 1, 2006. All such prepayments will be
applied upon installments of most remote maturity.

     8. Representations. USI hereby warrants and represents to Unum that:
        ---------------

          a. All necessary administrative and governmental approvals, if any,
     have been obtained regarding the transaction for which USI will use the
     proceeds of the payment hereunder.

          b. The execution, delivery and performance by USI of this Agreement,
     has been duly authorized by the necessary and appropriate parties and are
     within the corporate power of USI, and this Agreement is enforceable in
     accordance with its terms and will not result in a breach of any term or
     condition of USI's charter or by-laws or any indenture, mortgage, deed of
     trust, loan agreement or any other agreement to which USI is a party.

          c. USI's network of retail insurance brokerage companies are
     fully-licensed agencies in all material respects under the laws of the
     state in which they are located and are corporations duly organized and
     validly existing under those laws.

          d. Except as otherwise disclosed to Unum in writing, there are no
     proceedings, litigations, or investigations pending, or to the knowledge of
     USI threatened, against or affecting USI in or before any court,
     governmental authority, agency, arbitration board or tribunal that
     individually or in the aggregate involve the reasonable

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     possibility of materially and adversely affecting the condition (financial
     or otherwise) of USI or the ability of USI to perform this Agreement.

          e. Except as otherwise disclosed to Unum in writing, there has been no
     material change in the business prospects, profits, property or condition
     (financial or otherwise) of USI in the last six months, except changes in
     the ordinary course of business, none of which individually or in the
     aggregate has been materially adverse.

          f. Financial statements were supplied to Unum by USI. USI understands
     that Unum has relied on such financial statements in making the advance
     hereunder, and such financial statements contain no material errors or
     omissions and correctly state the financial position of USI in all material
     respects.

     9. Covenants. USI covenants that so long as the Principal Sum and any
        ---------
interest thereon is subject to reimbursement:

          a. USI shall furnish such financial information as, from time to time,
     Unum may request, including, but not limited to, certified financial
     statements on an annual basis.

          b. USI shall continue to be contracted with Unum to write the types of
     insurance for which it is presently contracted with Unum, subject to Unum's
     right to terminate any or all of the agency agreement(s) between USI and
     Unum or any of its affiliated companies, as provided in those agreements,
     at any time during the term of this Agreement. In the event of a
     termination of any agency agreement, USI and Unum agree that such
     terminated agency's production level for the prior periods will be credited
     through the Determination Date for the purpose of determining any
     reimbursable amount due to Unum under this Agreement.

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          c. USI shall comply in all material aspects with the provisions of
     ERISA.

          d. USI shall not change its legal name or operate or do business
     under, as, or in any name other than the name represented in this Agreement
     without prior written notice to Unum.

     10. Events of Default. Upon the occurrence of any of the following events
         -----------------
("Events of Default"), and notwithstanding Unum's previous knowledge thereof,
the principal unpaid balance of the Principal Sum, together with the interest
thereon, shall become due and payable on demand of Unum without presentation,
demand for payment, notice of dishonor, protest or notice of protest of any
kind, all of which are hereby expressly waived by USI:

          a. Any default by USI in the payment, when due, of any part of the
     principal of or interest on the Principal Sum.

          b. Any warranty or representation by USI contained in this Agreement
     or in any instrument furnished in compliance with this Agreement is false
     or incorrect in any material respect.

          c. USI fails to perform or observe any covenant contained in this
     Agreement.

          d. USI fails to comply with any other provision of this Agreement and
     such failure continues for more than thirty (30) days after USI has
     knowledge or notice of such failure.

          e. USI shall (i) become insolvent or bankrupt, or cease, be unable, or
     admit in writing its inability to pay its debts as they mature, or make a
     general assignment for the benefit of, or enter into any composition or
     arrangement with, creditors; (ii) apply for, or consent (by admission of
     material allegations of a petition or otherwise) to the appointment of a
     custodian, receiver, trustee or liquidator of it or of a substantial part
     of

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     its assets, or authorize such application or consent; (iii) permit or
     suffer proceedings seeking such appointment to be commenced against it
     without such authorization, consent or application; (iv) authorize or file
     a voluntary petition in bankruptcy or apply for or consent (by admission of
     material allegations of a petition or otherwise) to the application of any
     bankruptcy, reorganization, readjustment of debt, insolvency, dissolution,
     liquidation or other similar law of any jurisdiction, or authorize such
     application or consent; (v) permit or suffer proceedings to such end to be
     instituted against it without such authorization, application or consent;
     or (vi) permit or suffer all or any substantial part of its property to be
     sequestered or attached by court order.

          f. Any attachment, seizure, garnishment, or levy with respect to any
     property of USI by any creditor.

          g. USI's failure to remit payables consisting of collected insurance
     premiums to the appropriate insurance companies in accordance with each
     such company's requirements.

          h. Any failure by USI to hold collected insurance premiums in trust
     for the appropriate insurance companies in accordance with each such
     company's requirements.

     11. Remedies. Upon the occurrence of an Event of Default, and
         --------
notwithstanding Unum's previous knowledge thereof, Unum and any of its
subsidiaries may without notice to USI:

          a. Take any action to enforce payment of the Principal Sum or
     performance of any of the covenants contained in this Agreement.

          b. Withhold and apply to amounts due Unum hereunder:

               (1) Insurance commissions due USI; and

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               (2) Sums due USI earned through any excess commission or
          marketing support programs.

          c. USI will pay to Unum such amount as shall be sufficient to cover
     the cost and expense of collection, including, without limitation,
     reasonable attorneys' fees, expenses and disbursements, and any
     out-of-pocket costs and expenses of Unum incurred in connection with
     analyzing, evaluating, protecting, ascertaining, defending or enforcing any
     of its rights as set fourth herein.

     12. Waiver. Neither the failure nor any delay on the part of USI or Unum to
         ------
exercise any right, power or privilege hereunder shall operate as a waiver
thereof, nor shall any single or partial exercise of any such right, power or
privilege preclude any other or further exercise thereof, or the exercise of any
other right, power or privilege.

     13. Benefits. This Agreement shall be binding upon and inure to the benefit
         --------
of USI and Unum, and their respective successors and assigns, and any
subsidiaries or subsidiaries of either, whether now or hereafter formed.

     14. Construction. This Agreement shall be governed by and construed in
         ------------
accordance with the laws of the State of Tennessee. In the event any portion of
this Agreement shall be unenforceable under the laws of the State of Tennessee,
the remaining portion of this Agreement shall remain in effect.

     15. Notices. Any notices or communications required to be given hereunder
         -------
shall be in writing and sent postage prepaid, certified mail-return receipt
requested - to the other part at the address on the first page of this Agreement
or as designated by USI or Unum. Such notices shall be deemed delivered when
sent. Each such notice shall be marked to the attention of "Vice

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President, National Practice, Leader Voluntary Workplace Benefits" if to Unum
and "President" if to USI.

     16. Rating, Underwriting and Marketing Practices. This Agreement and any
         --------------------------------------------
other documents related thereto {"these Agreements"} are not contingent upon
Unum's rating, underwriting or marketing practices. These Agreements do not
expressly or impliedly obligate Unum to accept insurance business from USI that
does not comply with Unum's rating, underwriting or marketing practices as they
may exist and change from time to time during the term of these Agreements. USI
agrees that changes in rating, underwriting or marketing practices may be made
within Unum's sole discretion and that such changes shall not impair or in any
way affect USI's obligations under these Agreements. USI also agrees that Unum
may terminate any or all of the agency agreements between USI and Unum, or any
of its affiliated companies, as provided in said agreements, at any time during
the term of these Agreements and that such termination will not impair or in any
way affect USI's obligations under this Agreement.

     17. Entire Agreement. This Agreement constitutes the entire agreement
         ----------------
between the parties relating to the matters contained herein and supersedes all
previous communications, representations or agreements, either oral or written,
with respect to the subject matter hereof. Any modification to this Agreement
must be in writing and signed by authorized officers of both parties.

     18. Headings. The section headings herein are included for convenience only
         --------
and shall not be deemed to be a part of this Agreement.

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IN WITNESS WHEREOF, the parties have executed this Agreement as of November 13,
2001.

UNUMPROVIDENT CORPORATION                 USI INSURANCE SERVICES CORP.
         ("Unum")                                    ("USI")

By: /s/ Thomas A. H. White                By: Bernard H. Mizel
   ---------------------------------         -----------------------------------
Name: Thomas A. H. White                  Name: Bernard H. Mizel
Title: Vice President                     Title: CEO

                                       11<PAGE>

                                                                   Exhibit 10.19

                        MARKETING AND SERVICING AGREEMENT

          This Marketing and Servicing Agreement (the "Agreement") is entered
into as of January 16, 2002 by and among Sovereign Bank, a federal savings bank
("Sovereign") and USI Insurance Services Corp., a Delaware corporation ("USI").

                                   BACKGROUND
                                   ----------

          A. USI, through its consolidated subsidiaries, is a distributor of
insurance related financial services and outsourcing capabilities to middle
market companies in the United States, including but not limited to, employer
paid health insurance, employer paid welfare insurance, property insurance,
casualty insurance, workers compensation insurance, bond and surety insurance
coverage, 401K plans, non-qualified executive benefit plans services, life and
disability insurance, insurance-related risk management consulting services, and
voluntary worksite marketing products (as delivered through workplace counselors
in either a standalone enrollment process or through employers' general
benefits-wide enrollment processes) but excluding payroll processing services
(which, for the purposes of this Agreement, shall be defined to include,
integrated HRMS; payroll tax filing services for businesses through itself and
through other vendors; standalone tax filing services through itself and through
other vendors; standalone check printing services; and standalone W-2 printing
services) that are not associated with USI's insurance-related products (all
such products and services, whether offered by USI or its subsidiaries, shall be
known collectively as "USI Products and Services") to its customers.

          B. Sovereign is a federal savings bank that provides, through itself,
its affiliates and its subsidiaries, banking services in the Northeast United
States, including but not limited to general consumer and business banking, cash
management, commercial lending, equipment lending, equipment leasing, commercial
real estate lending, auto finance, asset based and other specialty lending, and
residential mortgage lending (all such products and services, whether offered by
Sovereign or its subsidiaries, shall be known collectively as "Sovereign
Products and Services").

          C. Sovereign and USI wish to form a business relationship whereby each
will refer to the other prospective customers who are businesses ("Business
Customers") in the States of Connecticut, Delaware, Maine, Massachusetts, New
Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Maryland and the
District of Columbia (the "Territory"). Subject to the terms hereof, the parties
also expect to market their products and services to individuals associated with
such Business Customers ("Business-Related Individuals").

          Now, therefore, the parties agree as follows:

          1. Sovereign Prospects and Eligible Customers. Sovereign shall inform
             ------------------------------------------
USI of Sovereign's Business Customers who may be interested in USI Products and
Services ("Sovereign Prospects") by submitting to USI referral data sheets in a
mutually agreeable format. The referral data sheets shall include specification
of the USI Products and Services believed to be of interest to the Sovereign
Prospect. The referral data sheets may be sent to USI by fax, by mail, or by
electronic mail to a designated USI address; or by any other mutually agreeable
method. Sovereign shall not be required to refer any Sovereign customer or any
particular Sovereign customer to USI. USI may reject a Sovereign Prospect if (a)
the Sovereign Prospect is an existing customer of USI; (b) USI has previously
received a referral of that Sovereign

<PAGE>

Prospect; or (c) for any reason or no reason. A Sovereign Prospect referred to
USI by Sovereign, and each Business-Related Individual, who purchases USI
Products and Services at any time during the term of this Agreement will be
deemed a "Sovereign Eligible Customer." Nothing in this Agreement shall prohibit
USI from administering or terminating any relationship with any Sovereign
Eligible Customer at any time, in USI's sole discretion.

          2. USI Prospects and Eligible Customers. USI shall inform Sovereign of
             ------------------------------------
USI's Business Customers who may be interested in Sovereign Products and
Services ("USI Prospects") by submitting to Sovereign referral data sheets in a
mutually agreeable format. The referral data sheets shall include specification
of the Sovereign Products and Services believed to be of interest to the USI
Prospect. The referral data sheets may be sent to USI by fax, by mail, or by
electronic mail to a designated Sovereign address; or by any other mutually
agreeable method. USI shall not be required to refer any USI customer or any
particular USI customer to Sovereign. Sovereign may reject a USI Prospect if (a)
the USI Prospect is an existing customer of Sovereign; (b) Sovereign has
previously received a referral of that USI Prospect; or (c) for any reason or no
reason. A USI Prospect referred to Sovereign by USI, and each Business-Related
Individual, who purchases Sovereign Products and Services at any time during the
term of this Agreement will be deemed a "USI Eligible Customer." Nothing in this
Agreement shall prohibit Sovereign from administering or terminating any
relationship with any USI Eligible Customer at any time, in Sovereign's sole
discretion.

          3. Sovereign Fees. For the purposes of this Agreement, "USI Products
             --------------
and Services Eligible Revenue" is all commissions, fees and other revenues, of
any sort, in cash or in kind, that USI or its subsidiaries receives as a result
of sales of USI Products and Services to Sovereign Eligible Customers net of
amounts paid to outside producers; contingent commissions, overrides and bonuses
received by USI from third parties; interest income; and return commissions due
as a result of cancellations and reductions of coverage and all other rebates,
refunds and other adjustments. In consideration of Sovereign's referrals under
this Agreement, USI will pay Sovereign or a designated affiliate of Sovereign a
fee ("Sovereign Fees") equal to twenty percent (20%) of the USI Products and
Services Eligible Revenue received during the term of this Agreement and, to the
extent provided in Paragraph 11, thereafter; provided, however, that the parties
agree to increase the Sovereign Fees if the USI Products and Services Eligible
Revenue received reach certain thresholds. The increase in Sovereign Fees shall
apply only to USI Products and Services Eligible Revenue received in excess of
the applicable thresholds. These thresholds are as follows: (a) if the USI
Products and Services Eligible Revenue received during the term of this
Agreement meets or exceeds $1 million, the Sovereign Fees will be increased to
twenty-two percent (22%); (b) if the USI Products and Services Eligible Revenue
received during the term of this Agreement meets or exceeds $2 million, the
Sovereign Fees will be increased to twenty-four percent (24%); (c) if the USI
Products and Services Eligible Revenue received during the term of this
Agreement meets or exceeds $3 million, the Sovereign Fees will be increased to
twenty-six percent (26%); (d) if the USI Products and Services Eligible Revenue
received during the term of this Agreement meets or exceeds $4 million, the
Sovereign Fees will be increased to twenty-eight percent (28%); and, (e) if the
USI Products and Services Eligible Revenue received during the term of this
Agreement meets or exceeds $5 million, the Sovereign Fees will be increased to
thirty percent (30%). USI will pay Sovereign Fees on a quarterly basis within
forty-five (45) days after the close of each calendar quarter during which USI
received USI Product and Service Eligible Revenue. All payments of Sovereign
Fees will be accompanied by a report indicating the name and address of each
Sovereign Eligible Customer resulting in received USI Products and Services
Eligible

<PAGE>

Revenue for that quarter, as well as the following corresponding information:
the date of the referral, the USI Product(s) or Service(s) sold, the service
commencement date, the amount of the USI Products and Services Eligible Revenue
received, any rebates, refunds, return commissions and other adjustments on
account of such quarter or prior periods and the amount of the Sovereign Fees
associated with such Sovereign Eligible Customer. Fees payable in any question
shall be adjusted to account for any rebates, refunds, return commissions,
errors or other adjustments from prior periods. USI will have no obligation with
respect to any referral not meeting the criteria set forth in Paragraph 1(a) or
(b) for payment of Sovereign Fees, except as the parties may otherwise agree in
writing prior to any such referral. Following termination of this Agreement, USI
will pay Sovereign Fees in accordance with Paragraph 11 hereof.

          4. USI Fees. For purposes of this Agreement, the definition of
             --------
"Sovereign Products and Services Eligible Revenue" shall be as mutually agreed
by the parties. An addendum setting forth such agreement shall be signed by both
parties and attached hereto as an Exhibit. Sovereign will pay USI a fee ("USI
Fees") equal to a mutually agreed-upon percent of Sovereign Products and
Services Eligible Revenue received during the term of this Agreement. Sovereign
and USI will negotiate the USI Fees arrangement in good faith and as soon as
practicable following the execution of this Agreement. Sovereign will pay USI
Fees on a quarterly basis within forty-five (45) days after the close of each
calendar quarter during which Sovereign received Sovereign Products and Services
Eligible Revenue. All payments of USI Fees will be accompanied by a report
indicating the name and address of each USI Eligible Customer resulting in
received Sovereign Products and Services Eligible Revenue for that quarter, as
well as the following corresponding information: the date of the referral, the
Sovereign Product(s) or Service(s) sold, the service commencement date, the
amount of the Sovereign Products and Services Eligible Revenue received, any
rebates, refunds, return commissions and other adjustments on account of such
quarter or prior periods and the amount of the USI Fees associated with such USI
Eligible Customer. Fees payable in any quarter shall be adjusted to account for
any rebates, refunds, return commissions, errors or other adjustments from prior
periods. Sovereign will have no obligation with respect to any referral not
meeting the criteria set forth in Paragraph 1(a) or (b) for payment of USI Fees,
except as the parties may otherwise agree in writing prior to any such referral.
Following termination of this Agreement, Sovereign will pay USI Fees in
accordance with Paragraph 11 hereof.

          5. Referral and Marketing Activities. Sovereign and USI will work
             ---------------------------------
together diligently and in good faith to provide to the other appropriate,
qualified referrals of customers located in the Territory and to cooperatively
promote, market and cross-sell the parties' products and services in the
Territory. The parties agree:

               (a) To commit and deploy internal management and staffing
resources toward the successful planning, implementation, execution and on-going
performance management of such referral and cross-selling activities;

               (b) To develop and use mutually agreeable identification and
branding of products and services under the name "Sovereign USI" and further
refine, as appropriate, in a manner which reflects the arrangements contemplated
by this Agreement and maintains the distinctiveness and character of the
trademarks, service marks and other intellectual property rights of the parties,
in such manner as the parties may mutually agree in writing;

<PAGE>

               (c) In areas in which resources are not sufficient now or in the
future, to procure quality personnel and provide comprehensive training to them
to properly execute on referral and sales efforts involving the parties'
customers and clients, in such manner as the parties may mutually agree in
writing; and

               (d) To educate their sales and support teams about the referral
relationship established by this Agreement and about the products and services
of the other, and to instruct such teams, as appropriate, to cooperate with the
other when customers or prospects wish to explore purchase of the other party's
products and services.

          6. Referral Issue Resolution Process. Sovereign and USI will each
             ---------------------------------
appoint a representative to resolve referral and referral process-related
issues, which representatives will have the authority to resolve referral and
referral process-related conflicts. Sovereign's appointed representative shall
be at the senior management level and USI's representative shall be at the
executive management level of USI Northeast, Inc. If either party disputes
whether a Prospect was, in fact, an existing customer of the other party, such
dispute shall be resolved by reasonable documentation showing such customer
relationship. If a customer has significant personnel or facilities located
partly in and partly outside of the Territory, the parties will mutually agree
whether such customer falls within the Territory for the purposes of this
Agreement.

          7. Marketing Materials. The parties will create and provide mutually
             -------------------
agreeable marketing materials to support the referral activity discussed herein,
which may be distributed only to customers located in the Territory. The level
of participation and responsibility of the parties will be as is mutually agreed
from time to time and may include joint material development, joint
marketplace/tradeshow presence, mutual sponsorship of events, presence at the
other party's sales conferences or other events or conferences, and other
potential marketing efforts collectively undertaken by the parties. Unless
otherwise agreed in writing between the parties, each party will bear its own
expenses incurred in marketing activities supporting the referral relationship.
Neither party shall distribute any marketing materials (including
advertisements, promotional brochures, user guides, press releases, public
announcements, web pages, web banners, metatags, or other notices in printed or
electronic form) without the prior approval of the other party whenever such
materials contain a reference to the other party, the other party's products or
services, or the other party's proprietary logos, trademarks or service marks.
Neither party shall, pursuant to this Agreement or otherwise, have or acquire
any right, title or interest in or to the other party's trademarks or trade
names. Each party's use of the other party's trademarks shall be pursuant to the
other party's trademark policies and procedures in effect from time to time.
Neither party shall have the right to use any trademark of the other party
except to refer to the other party's products or services in accordance with the
provisions of this Agreement.

          8. Interface Integration. The parties will work together to develop,
             ---------------------
as soon as reasonably practicable given each party's available technical
resources, any sales and service management or referral data base interfaces
jointly determined by them to be necessary to implement the parties' mutual
success under this Agreement. Each party will be responsible for its interface
development costs. The parties shall work together in good faith to determine
how the interfaces developed pursuant to this paragraph will be owned. Such
interfaces shall be used solely for furthering the purposes of this agreement.

<PAGE>

          9. Term. This Agreement shall commence on the date hereof and remain
             ----
in effect until terminated pursuant to the provisions of Paragraph 10.

          10. Termination.
              -----------

               (a) Either party may terminate this Agreement for any reason at
any time during the term by providing at least one hundred and eighty (180) days
prior written notice to the other party.

               (b) Upon the occurrence of a material breach of this Agreement,
the party not in breach shall have the right to terminate this Agreement upon
written notice to the other party and the failure of the other party to cure
such breach within sixty (60) days after the date of such written notice.

               (c) Either party may terminate this Agreement if the other party
has entered into a transaction in which such party either sells all or
substantially all of its assets or is involved in a merger, consolidation,
reorganization, or sale or transfer of stock or other ownership interests and,
as a result of such transaction, the entity acquiring such assets or directly or
indirectly owning or controlling the acquiring or surviving entity following
consummation of such transaction is a competitor to the other party to this
Agreement, either directly or indirectly through entities under its ownership or
control.

               (d) Either party may terminate this Agreement immediately if any
voluntary or involuntary case, action or proceeding is commenced or filed by or
against the other party under any bankruptcy, reorganization, insolvency or
other similar law now or hereafter in effect; or a custodian, receiver, trustee,
assignee for the benefit of creditors generally (or other similar official) is
appointed to take possession, custody or control of all or a substantial portion
of the property of such party.

          11. Obligations of the Parties Upon Termination.
              -------------------------------------------

               (a) Upon termination of this Agreement for any reason, the
parties will perform in good faith all of the obligations set forth in this
Paragraph 11 during the transition periods specified herein (or as may be agreed
to), and to otherwise cooperate responsibly in such transition. The parties'
non-solicitation obligations set forth herein do not prohibit either party from
conducting mass marketing campaigns or any other type of marketing which is not
directly aimed at the Joint Customers, as that term is defined herein.

               (b) In the event this Agreement is terminated pursuant to
Paragraph 10(a) or 10(c) hereto, termination shall take effect as set forth in
such Paragraphs and:

                    (i) USI shall have the following obligations, so long as
                    Sovereign is in material compliance with its obligations
                    hereunder:

                         A. effective upon termination, USI may cease paying
                         Sovereign Fees set forth in Paragraph 3 hereof and, for
                         a period of two (2) years thereafter (the "Two Year
                         Run-Off Period"), shall pay Sovereign a run-off fee
                         ("Run-Off Fee") of twenty percent (20%) of the USI
                         Products and Services Eligible Revenue received during
                         the Two Year Run-Off Period; and

<PAGE>

                         B. during the Two Year Run-Off Period and for a period
                         of one (1) year thereafter, USI and its subsidiaries
                         shall refrain from soliciting any Sovereign Eligible
                         Customers who are, at the time of the proposed
                         solicitation, still doing business with USI and USI
                         Eligible Customers who are, at the time of the proposed
                         solicitation, still doing business with Sovereign
                         ("Joint Customers") to terminate their relationships
                         with Sovereign or to purchase products and services
                         competitive with the Sovereign Products and Services
                         from other institutions.

                    (ii) Sovereign shall have the following obligations, so long
                    as USI is in material compliance with its obligations
                    hereunder:

                         A. effective upon termination, Sovereign may cease
                         paying the USI Fees set forth in Paragraph 4 hereof
                         and, for the Two Year Run-Off Period, shall pay USI a
                         Run-Off Fee of a percentage to be mutually agreed-upon
                         by the parties in good faith (and set forth in an
                         addendum to be signed by both parties and attached
                         hereto) of the Sovereign Products and Services Eligible
                         Revenue received during the Two Year Run-Off Period;
                         and

                         B. during the Two Year Run-Off Period and for a period
                         of one (1) year thereafter, Sovereign and its
                         subsidiaries shall refrain from soliciting any Joint
                         Customers to terminate their relationship with USI or
                         to purchase products and services competitive with the
                         USI Products and Services through other brokers or
                         service providers.

               (c) In the event this agreement is terminated pursuant under
Paragraph 10(b), 10(d) or Paragraph 21 hereof, then termination shall take
effect as set forth in such Paragraphs and:

                    (i) effective upon termination, USI may cease paying the
                    Sovereign Fees set forth in Paragraph 3 hereof and, for the
                    Two Year Run-Off Period, shall pay Sovereign a Run-Off Fee
                    of twenty percent (20%) of the USI Products and Services
                    Eligible Revenue received during the Two Year Run-Off
                    Period, provided that Sovereign is in material compliance
                    with its obligations hereunder and;

                    (ii) effective upon termination, Sovereign may cease paying
                    the USI Fees set forth in Paragraph 4 hereof and, for the
                    Two Year Run-Off Period, shall pay USI a Run-Off Fee of (in
                    an amount to be mutually agreed-upon by the parties in good
                    faith and set forth in an addendum to be signed by both
                    parties and attached hereto) of the Sovereign Products and
                    Services Eligible Revenue received during the Two Year
                    Run-Off Period, provided that USI is in material compliance
                    with its obligations hereunder.

<PAGE>

          12. Accountings and Audits. Each party shall maintain records of all
              ----------------------
activities subject to payments pursuant to this Agreement and furnish to the
other, no less frequently than quarterly, a statement in such form and detail as
to permit the parties to verify the receipt of all payments provided for herein.
Each party shall allow the other party and its representatives, including
independent certified public accounting firms designated by the other party, to
have access, at a mutually agreed upon time during normal business hours, to the
records and books of account that relate solely to the Agreement for the purpose
of determining whether the appropriate payments have been made under this
Agreement. Such audits may not be required more often than once every calendar
year and shall relate only to the shorter period of (a) the previous twenty-four
months and (b) the previous twenty-four months less any previously audited
period. If any such audit properly determines a discrepancy, the audited party
shall pay the amount of the fees due and, if there was an underpayment of
greater than five percent (5%), the reasonable auditor's fees of the auditing
party.

          13. Restrictions.
              ------------

               (a) Sovereign represents and warrants that neither it nor its
subsidiaries has entered, and agrees that neither shall enter, into any
servicing or referral agreement primarily focused on activities within the
Territory that provides for Sovereign or its subsidiaries, during the term of
this Agreement, to provide referral and cross-selling services with respect to
products and services of the type described in this Agreement to Business
Customers for the benefit of an insurance brokerage or insurance-related
financial services company. Specifically excluded from the preceding sentence
shall be agreements currently existing or under negotiation between Sovereign or
its subsidiaries and third parties as disclosed on Schedule I and any renewals,
extensions or replacements of such agreements that are substantially similar in
scope. Sovereign does not authorize USI to take any actions or provide any
service hereunder that would conflict with, or cause Sovereign to be in breach
of, any exclusive arrangements with third parties as listed on Schedule I and
any renewals, extensions or replacements of such agreements that are
substantially similar in scope..

               (b) USI represents and warrants that neither it nor its
subsidiaries has entered, and agrees that neither shall enter, into any
servicing or referral agreement primarily focused on activities within the
Territory that provides for USI or its subsidiaries, during the term of this
Agreement, to provide referral and cross-selling services with respect to
products and services of the type described in this Agreement to Business
Customers for the benefit of a bank, savings association, credit union or other
institution regulated by the Office of Thrift Supervision, the Office of the
Comptroller of the Currency, the Federal Deposit Insurance Corporation, the
Federal Reserve Board or state agencies charged with regulating the same types
of institutions.

               (c) This Agreement does not prohibit Sovereign from referring any
business traditionally performed by law firms or accounting firms to any other
entity or entering into an agreement for such business or services nor prohibit
either party from making referrals of any business to third parties, provided
that, on an annual aggregate basis, such referrals would have generated
Sovereign Products and Services Eligible Revenue or USI Products and Services
Eligible Revenue (as the case may be) in an amount equal to less than five
percent (5%) of the Sovereign Products and Services Eligible Revenue. Nothing in
this Agreement prevents Sovereign or USI from marketing their products and
services to Business-Related Individuals who were introduced via Paragraphs 1
and 2 hereof. Except as stated above, the business

<PAGE>

relationship between the parties shall be non-exclusive and shall not restrict
either party from doing business with any third party.

          14. Independent Contractor Relationship. This Agreement is not
              -----------------------------------
intended to nor does it constitute or create a joint venture, partnership, or
other relationship of any kind except as specifically described in this
Agreement. Neither party shall have authority to bind the other. Each party
shall be and remain an independent contractor and shall be solely responsible
for all its employees and other obligations arising in respect of its
performance of obligations under this Agreement. Except for any representations
that may be contained in any web page (or promotional materials) that may be
prepared jointly and agreed to by both parties, neither party shall be
authorized to make representations to any third party regarding the other party
or its products or services.

          15. Indemnification by Sovereign. Sovereign shall indemnify, defend
              ----------------------------
and hold harmless USI from and against any and all costs, expenses, liabilities,
losses, damages, injunctions, suits, actions, fines, penalties, levies,
assessments and claims and demands of every kind or nature, including legal
costs and attorneys fees, made by or on behalf of any party, person or
governmental authority, arising out of or resulting from the inaccuracy or
breach of any representation or warranty of Sovereign contained in this
Agreement; any breach or default by Sovereign of any covenant, obligation or
agreement of Sovereign contained in this Agreement; or any negligent, willful,
fraudulent or dishonest act or omission of Sovereign or its agents or employees.

          16. Indemnification by USI. USI shall indemnify, defend and hold
              ----------------------
harmless Sovereign from and against any and all costs, expenses, liabilities,
losses, damages, injunctions, suits, actions, fines, penalties, levies,
assessments and claims and demands of every kind or nature, including legal
costs and attorneys fees, made by or on behalf of any party, person or
governmental authority, arising out of or resulting from the inaccuracy or
breach of any representation or warranty of USI contained in this Agreement; any
breach or default by USI of any covenant, obligation or agreement of USI
contained in this Agreement; or any negligent, willful, fraudulent or dishonest
act or omission of USI or its agents or employees.

          17. Limitation of Liability. Neither party shall be liable to the
              -----------------------
other for any loss of profits or any special, incidental or consequential
damages even if it has knowledge of the possibility of such potential loss or
damage. Neither party's liability under this Agreement shall exceed the total
referral fees received by it from the other party under this Agreement; provided
that such limitation of liability shall not apply to liability of either party
due to fraud and other intentional tortious or criminal acts.

          18. Confidentiality.
              ---------------

               (a) References in this Section to the "disclosing party" shall
mean the party which discloses its own Confidential Information (defined below)
to the other party, and the "recipient party" shall mean the party receiving
such Confidential Information.

               (b) The parties agree that it is the obligation of the recipient
party to maintain the confidentiality of information provided by the disclosing
party in connection with this Agreement. The parties shall treat as strictly
confidential, and shall not use, disclose or permit to be used or disclosed at
any time; except as specifically permitted in writing by the

<PAGE>

disclosing party, proprietary or confidential information of the disclosing
party or that of its parent, affiliates, or subsidiaries, whether the recipient
party has such information in its memory or it is embodied in writing,
electronic or other physical form. Confidential or proprietary information shall
include the Customer lists covered under Section 6 hereto and any other
non-public information of the disclosing party, its parent, affiliates, or
subsidiaries such as, without limitation, any development, sales, financial or
accounting procedures, accounts, operations, techniques, methods, business
plans, trade secrets, any and all information regarding the disclosing party's
business or how the disclosing party does business or other property belonging
to the disclosing party ("Confidential Information"). The recipient party shall
promptly advise the disclosing party in writing of any unauthorized use or
disclosure of Confidential Information. Each party agrees to maintain and cause
its employees, agents, contractors, subsidiaries and subcontractors to maintain
the terms and conditions of this Agreement strictly confidential, and not to
disclose same to any third party, except as expressly permitted in writing by
the disclosing party. Each party agrees that its officers, directors, employees,
agents, contractors, subsidiaries and subcontractors shall abide by the terms of
this paragraph and that the recipient party shall be liable for any unauthorized
use or disclosure of Confidential Information by any such person.

               (c) Each party shall limit the dissemination of the Confidential
Information within its own organization, including its parent, affiliate,
subsidiary or successor in interest, or within any subcontractors, to such
individuals whose duties justify the need to know the Confidential Information.

               (d) Confidential Information shall not include information that:
(i) is authorized by the disclosing party in writing to be disclosed; (ii) is or
becomes publicly available through no fault of the recipient party or any of the
recipient party's directors, officers, employees, agents, contractors,
subsidiaries or subcontractors; or (iii) is independently developed by the
recipient party without any use or knowledge of the Confidential Information.

               (e) If any Confidential Information is required to be disclosed
by law, the recipient party shall promptly notify the disclosing party prior to
disclosing such Confidential Information unless prohibited by the terms of such
legal requirement.

               (f) Upon written request following the termination of this
Agreement, the recipient party shall promptly return to the disclosing party all
Confidential Information, including all materials, data, forms, and all other
materials and information provided by the disclosing party. That portion of the
Confidential Information which is copied or stored in electronic form will be
promptly deleted or destroyed upon the disclosing party's request, such
destruction to be confirmed in writing to the disclosing party.

               (g) A recipient party recognizes that the disclosing party's
Confidential Information is of a special, unique, extraordinary and intellectual
character, which gives it peculiar value, the loss of which may not be
reasonably or adequately compensated in damages in any action at law and that a
breach by the recipient party of this Agreement may cause the disclosing party
irreparable injury and damage. A recipient party agrees that the disclosing
party shall be entitled to the remedies of injunction, specific performance and
other equitable relief to prevent a breach of this Agreement by the recipient
party without the necessity of proving damages and that the disclosing party
shall not be required to post bond or any other form of guarantee as a condition
of such relief. This provision shall not, however, be construed

<PAGE>

as a waiver of any rights which the disclosing party may have for damages or
otherwise, nor shall it limit in any way any other remedies which may result
from the breach of this Agreement.

               (h) The parties acknowledge that they each have special
obligations under the United States Gramm-Leach-Bliley Act in regard to
non-public information of its consumer customers and other confidential
information. The parties agree to abide by the provisions of Exhibit A in regard
thereto, which shall be cumulative to and not in derogation of any other
provisions hereof regarding confidentiality of information.

          19. Legal Compliance; No Conflicts. Each party represents, warrants
              ------------------------------
and covenants to the other that in performing its obligations under this
Agreement it shall, in all material respects, comply with all applicable
federal, state and local laws and regulations including, but not limited to,
those set forth in Section 305 of the Gramm-Leach-Bliley Act, as amended, and
that it is free of any contractual or legal obligations that would prevent it
from entering into this Agreement.

          20. Insurance Sales Activities. In no event shall this Agreement be
              --------------------------
construed to require Sovereign to undertake any activity that would require
Sovereign to be licensed as an insurance agent or broker or that would otherwise
constitute a violation of any applicable statute, rule, or regulation relating
to the sale of insurance, except to the extent conducted by a duly licensed
affiliate of Sovereign. USI shall not be required to make referral or other
payments to Sovereign to the extent they are prohibited by regulation under such
any such statute, rule or regulation, other than to a duly licensed affiliate of
Sovereign in compliance therewith.

          21. Force Majeure. Neither party shall be liable or deemed to be in
              -------------
default for any delay or failure in performance under this Agreement when such
failure or delay is due or attributable to or arises out of any Force Majeure
Event, to the extent that the event is not within the reasonable control of the
party whose performance under this Agreement is affected thereby and provided
that a notice of occurrence of any Force Majeure Event is given by the affected
party to the other party within a period of five (5) business days of such
occurrence. The term "Force Majeure Event" as used in this Agreement includes
the following events: war, hostilities, acts of the public enemy, sabotage,
revolution, insurrection, riot or disorder; terrorist attacks, confiscation,
embargo, nationalization or other similar government action, interference by, or
restriction or onerous regulations imposed by civil or military authorities,
whether legal or de facto and whether purporting to act under some constitution,
decree, law or otherwise; act of God, fire, frost, earthquake, storm, lightning,
flood, or perils of the sea; epidemic, strikes, lockouts or other labor
disturbance; or any other cause (except financial) in the same class or kind as
those set forth above and beyond the reasonable control of such party. If the
Force Majeure Event continues unabated for an uninterrupted period of thirty
(30) days, then either party would be entitled to terminate this Agreement by
notice in writing to the other whereupon this Agreement would stand terminated
and the parties would proceed pursuant to Paragraph 11. A Force Majeure event
does not excuse payment of any fees owed hereunder.

          22. Survival. The following provisions shall survive any termination
              --------
of this Agreement: Section 11 (Obligations of the Parties Upon Termination),
(Section 12 (Accountings and Audits), Sections 15 and 16 (Indemnification),
Section 17 Limitation of Liability), Section 18 (Confidentiality) and Section 23
(Publicity).

<PAGE>

          23. Publicity. Neither USI nor Sovereign shall undertake any
              ---------
advertising, promotional disclosures, press releases or other public
announcements, regarding or related to this Agreement, without prior written
approval of the other party; provided, however, that neither party shall be
prohibited hereby from making disclosures to the extent required by law.

          24. Notices. All notices given under this Agreement shall be in
              -------
writing and delivered or transmitted by fax or mail to the address set forth
below or such other address as a party may from time to time specify in writing
to the other party, and shall be deemed effective upon the earlier of receipt by
the sending party of confirmation of receipt of fax, or receipt by recipient.
The addressees to which notice are initially to be sent are as follows:

          If to Sovereign to:

          Sovereign Bank
          Attn: Tye M. Barnhart, Senior Vice President
          1130 Berkshire Boulevard
          Wyomissing, PA 19610

          with a copy to:

          Sovereign Bank
          David A. Silverman, General Counsel
          1130 Berkshire Boulevard
          Wyomissing, PA 19610

          If to USI to:

          USI Insurance Services Corporation
          President and Chief Operating Officer
          50 California Street, 24th Floor
          San Francisco CA 94111
          Fax: (415) 983-1000

          with a copy to:

          USI Insurance Services Corporation
          Senior Vice President and General Counsel
          50 California Street, 24th Floor
          San Francisco CA 94111
          Fax: (415) 837-1650

          25. Attorneys' Fees. In the event of litigation or arbitration between
              ---------------
the parties concerning this Agreement, the prevailing party will be entitled to
recover reasonable costs and expenses incurred in the litigation or arbitration,
and any appeal therefrom, including costs, reasonable attorneys' fees and
reasonable experts' fees.

          26. Governing Law. This Agreement shall be governed by the laws of the
              -------------
State of Delaware, without reference to its conflict or choice of law
principles.

<PAGE>

          27. Non-Assignment. Neither this Agreement, nor any rights or
              --------------
obligations in this Agreement, shall be assigned or otherwise transferred by
either party without the written consent of the other party, which consent shall
not be unreasonably withheld. If any assignment is made, by operation of law or
otherwise, in violation of this provision, then this Agreement shall terminate.
Any change of control of either party shall be subject to Paragraph 10(c) of
this Agreement.

          28. Amendment. No modification of this Agreement shall be valid unless
              ---------
set forth in writing and signed by both parties.

          29. Entire Agreement. This Agreement constitutes the entire agreement
              ----------------
between the parties with respect to the subject matter hereof and supersedes all
previous proposals, both oral and written, negotiations, representations,
commitments, writings and all other communications between the parties.

          IN WITNESS WHEREOF, the parties hereto, by their duly authorized
representatives, have executed and delivered this Agreement as of the date set
forth above.

                                            SOVEREIGN BANK

                                            By: /s/ Illegible
                                                -------------------------------
                                            Name: Illegible
                                                  -----------------------------
                                            Its:  S V P, Corporate Development
                                                  -----------------------------

                                            USI INSURANCE SERVICES CORPORATION

                                            By: /s/ Bernard H. Mizel
                                                -------------------------------
                                            Name: Bernard H. Mizel
                                                  -----------------------------
                                            Its:  CEO
                                                  -----------------------------

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