Document:

Exhibit
      10.19

    BILL
      OF SALE

     

    TRUSTBENEFITS
      ONLINE, LLC, a Delaware limited liability company ("Seller"), hereby
      acknowledges that, for good and valuable consideration and effective as of
      the
      close of business January 31, 2008, it has set over, transferred, conveyed,
      granted, assigned and delivered unto BENEFITS TECHNOLOGIES, LLC, a Delaware
      limited liability company ("Buyer"), all of Seller's assets, properties, rights
      and interests, tangible and intangible, of every kind and wherever situated,
      described below (collectively, the "Assets"):

    

    (1)
      Those
      fixed assets included on the attached Schedule A.

     

    (2)
      Cash
      in the TBOL bank accounts at January 31, 2008.

     

    (3)
      Accounts receivable due from clients as of January 31, 2008 for services
      provided through January 31, 2008 and prepaid insurance premiums at January
      31,
      2008.

     

    (4)
      Security deposit and leasehold improvements related to the office lease in
      Emeryville.

    

    (5)
      All
      of the assets and property owned or leased by Seller related to the conduct
      of
      Seller’s business of designing, creating and maintaining interactive web sites
      for employee benefit plan participants and software application programs for
      the
      administration and management of employee benefit plans, including, without
      limitation: (i) intangible personal property including all software developed
      by
      TBOL for the Participant Access product and all related applications and all
      other products developed by employees of TBOL while in TBOL's employ, and (ii)
      all intellectual property developed by ATPA that is used in TBOL products,
      including the Oracle relational design and all objects that are part of the
      Oracle database.

    

    To
      have
      and to hold the Assets unto Buyer, and Buyer's successors and assigns, for
      Buyer's own use and benefit, forever.

    

    Seller
      represents and warrants that Seller has not encumbered or suffered the
      encumbrance of the Assets and will defend title to the Assets for the benefit
      of
      Buyer and Buyer's successors and assigns.

    

    WITNESS
      the hand of Seller on this 27th
      day of
      February, 2008.

     

    
      
        	 TRUSTBENEFITS
                ONLINE, LLC	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	By:	/s/
                Scott
                VanDeursen	 	 	 
	 	
                
Scott
                VanDeursen, ManagerExhibit
      10.20

    BUSINESS
      PROTECTION AGREEMENT - ATPA

    

    THIS
      BUSINESS PROTECTION AGREEMENT ("Agreement") is made this 27th
      day of
      February, 2008, by and between BENEFITS TECHNOLOGIES, LLC, a Delaware limited
      liability company (the "Company") and ASSOCIATED THIRD PARTY ADMINISTRATORS,
      a
      California corporation ("ATPA").

    

    BACKGROUND

    

    The
      Company, contemporaneously with the execution of this Agreement, is acquiring
      certain assets of ATPA and certain other companies. 

    

    The
      Company desires to assure, among other things, that it will be able to establish
      a relationship with ATPA's customers and continue ATPA's business without any
      interference from ATPA.

    

    For
      purposes of this Agreement, the Company includes the Company and the Company’s
      parents, subsidiaries, affiliates, successors and assigns.

    

    Therefore,
      pursuant to the terms of the Asset Contribution and Combination Agreement by
      and
      among ATPA, the Company, Trust Benefits Online, LLC (“TBOL”), Information
      Concepts, Inc. (“ICI”), Scott Vandeursen, Ronald D. Jensen and Bruce L. Biller
      dated January 31, 2008 (the "Purchase Agreement"), and as a condition of
      the Company's acquisition of certain of the assets of ATPA, the Company has
      required that this Agreement be executed.

    

    NOW
      THEREFORE, for good and valuable consideration, the receipt and sufficiency
      of
      which is hereby acknowledged, the parties, intending legally to be bound, agree
      as follows:

    

    1. RESTRICTIVE
      COVENANT.

     

    1.1 Definitions.

     

    1.1.1 "Customer":
      Any
      Person to which ICI, TBOL, ATPA or the Company has sold products or rendered
      services at any time during the twenty-four (24) month period immediately
      preceding the date of this Agreement.

     

    1.1.2 "Person":
      An
      individual, firm, corporation or other entity, and/or any principal, agent,
      employee, stockholder, partner, officer, member, or director
      thereof.

     

    1.1.3 "Prospective
      Customer":
      Any
      Person which has been actively solicited to purchase products or services from
      ICI, TBOL, ATPA or the Company at any time during the twenty-four (24) month
      period immediately preceding the date of this Agreement.

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

     

    1.1.4 "Referral
      Source":
      A
      Person who has referred customers to ICI, TBOL, ATPA or the Company at any
      time
      during the twenty-four (24) month period immediately preceding the date of
      this
      Agreement.

     

    1.2 Restrictions.
      For a
      period of sixty (60) months immediately following the date of this Agreement,
      ATPA shall not, directly or indirectly, for itself, or on behalf of any other
      person, firm, corporation or other entity, whether as principal, agent,
      employee, independent contractor, stockholder, joint venturer, partner, officer,
      member, director, sole proprietor, or otherwise:

     

    1.2.1 Customers
      or Prospective Customers.
      Call
      upon or otherwise communicate with any Customer or Prospective Customer for
      the
      purpose of rendering or offering to render services in competition with those
      rendered by the Company, or render such services to the Customer or Prospective
      Customer.

     

    1.2.2 Referral
      Sources.
      Call
      upon or communicate with any Referral Source for the purpose of soliciting
      the
      referral of customers or potential customers for services in competition with
      those rendered by the Company to any Person other than the Company.

     

    1.2.3 Other
      Employees.
      Solicit, participate in or promote the solicitation of any person who is
      employed by the Company on the date of this Agreement or who is employed by
      the
      Company on or after the date of this Agreement to leave the employ of the
      Company or hire or engage any person who was employed by the Company at any
      time
      during the twenty-four (24) months preceding the date of this Agreement or
      who
      is employed by the Company on or after the date of this Agreement.

     

    1.2.4 Disparaging
      Remarks.
      Make
      any disparaging remarks about the Company's business, products, services or
      personnel.

     

    1.2.5 Interference.
      Interfere in any way with the Company's business, prospects or
      personnel.

     

    1.2.6 Modification.
      ATPA
      acknowledges that the covenants contained in Section 1
      are
      necessary in order to protect the goodwill of the Company's business and that
      those covenants are reasonable. However, if any court determines that any
      restriction set forth in Section 1
      is
      unenforceable in accordance with its terms regarding duration, geographical
      limit, or scope of prohibited activity, then the covenant shall not terminate.
      Instead, with respect to its operation in the jurisdiction of the court which
      makes the adjudication, the covenant shall be deemed to have been amended to
      the
      extent required to render it valid and enforceable. The adjudication shall
      not
      be deemed to affect the validity or enforceability of the covenant in any
      jurisdiction other than the one in which the adjudication is made.

     

    
      
         

      

      
        -2-

        
          

        

      

      
         

      

    

     

    1.2.7 Retention
      by Company.
      Nothing
      in this Agreement shall prohibit or restrict ATPA from performing the prohibited
      activities under this Agreement for the Company, should ATPA be retained by
      the
      Company.

     

    2. REMEDIES.

     

    2.1 Extension.
      If ATPA
      violates any covenant contained in Section 1,
      then
      the Company shall not be deprived of the full benefit of the period of the
      covenant. Accordingly, the duration of the covenant shall be extended by the
      period of any violation of the covenant.

     

    2.2 Bond.
      The
      Company shall not be required to post a bond or any similar assurance if it
      brings any action in order to enforce any of the covenants contained in
Section 1.

     

    2.3 Relief.
      In the
      event of a breach of any of the covenants contained in Section 1,
      the
      Company shall be entitled to injunctive or other equitable relief because the
      non-violating party will be caused irreparable injury and damage as a result
      of
      the breach. This right to injunctive relief shall include the right to both
      preliminary and permanent injunctions.

     

    3. MISCELLANEOUS.

     

    3.1 Governing
      Law.
      The
      laws of the State of California shall govern the validity and construction
      of
      this Agreement and any dispute arising out of or relating to this Agreement,
      without regard to the principles of conflict of laws.

     

    3.2 Consent
      to Jurisdiction.
      The
      parties submit to the jurisdiction of all state and federal courts sitting
      in
      the State of California, the venue of the Superior Court for Los Angeles County,
      and the venue of the U.S. District Court for the Central District of California
      and all actions and proceedings arising out of or relating to this Agreement
      shall be heard and determined in a state or federal court in
      California.

     

    3.3 Severability.
      A
      ruling by any court that one or more of the provisions contained in this
      Agreement is invalid, illegal or unenforceable in any respect shall not affect
      any other provision of this Agreement so long as the economic or legal substance
      of the transactions contemplated hereby is not affected in any manner materially
      adverse to any party. Thereafter, this Agreement shall be construed as if the
      invalid, illegal, or unenforceable provision had been amended to the extent
      necessary to be enforceable within the jurisdiction of the court making the
      ruling and to preserve the transactions originally contemplated by this
      Agreement to the greatest extent possible.

     

    3.4 Counterparts.
      This
      Agreement may be executed in two or more counterparts, each of which shall
      be
      deemed an original. In that event, in proving this Agreement it shall only
      be
      necessary to produce or account for the counterpart signed by the party against
      whom the proof is being presented.

     

    
      
         

      

      
        -3-

        
          

        

      

      
         

      

    

     

    3.5 Headings.
      The
      section and subsection headings have been included for convenience only, are
      not
      part of this Agreement and shall not be taken as an interpretation of any
      provision of this Agreement.

     

    3.6 Binding
      Effect.
      This
      Agreement shall be binding upon and shall inure to the benefit of the parties
      and their respective heirs, legatees, personal representatives and other legal
      representatives, successors and permitted assigns. Except as otherwise
      specifically provided, this Agreement is not intended and shall not be construed
      to confer upon or to give any person other than the parties any rights or
      remedies. 

     

    3.7 Amendments
      and Modifications.
      This
      Agreement may be amended, waived, changed, modified or discharged only by an
      agreement in writing signed by all of the parties.

     

    3.8 Entire
      Agreement.
      This
      Agreement constitutes the entire agreement among the parties with respect to
      the
      matters contained herein, and there are no representations, warranties,
      covenants or obligations except as set forth in this Agreement. This Agreement
      supersedes all prior and contemporaneous agreements, understandings,
      negotiations and discussions, written or oral, of the parties, relating to
      any
      transaction contemplated by this Agreement. 

     

    3.9 Waiver.
      Failure
      to insist upon strict compliance with any of the terms, covenants or conditions
      of this Agreement shall not be deemed a waiver of that term, covenant or
      condition or of any other term, covenant or condition of this Agreement. Any
      waiver or relinquishment of any right or power hereunder at any one or more
      times shall not be deemed a waiver or relinquishment of that right or power
      at
      any other time. 

     

    3.10 Remedies
      Cumulative.
      The
      remedies set forth in this Agreement are cumulative and are in addition to
      any
      other remedies allowed by law. Resort to one form of remedy shall not constitute
      a waiver of alternate remedies.

     

    3.11 WAIVER
      OF RIGHT TO JURY TRIAL.
      BY
      EXECUTING THIS AGREEMENT, THE PARTIES KNOWINGLY AND WILLINGLY WAIVE ANY RIGHT
      THEY HAVE UNDER APPLICABLE LAW TO A TRIAL BY JURY IN ANY DISPUTE ARISING OUT
      OF
      OR IN ANY WAY RELATED TO THIS AGREEMENT OR THE ISSUES RAISED BY THAT DISPUTE.
      

     

    3.12 Background.
      The
      Background is a part of this Agreement.

     

    3.13 Costs
      of Litigation.
      If the
      Company files suit to enforce its rights under this Agreement, and the Company
      prevails, the Company shall be entitled to recover from any other party against
      whom the Company was successful all expenses incurred by it in preparing for
      and
      in trying the case, including, but not limited to, investigative costs, court
      costs and reasonable attorneys' fees (including expenses incurred to collect
      those expenses).

     

    3.14 Word
      Forms.
      Wherever used in this Agreement, the singular shall include the plural, and
      the
      plural shall include the singular. The use of any gender, tense or conjugation
      shall include all genders, tenses and conjugations.

     

    
      
         

      

      
        -4-

        
          

        

      

      
         

      

    

     

    3.15 Notices.
      Any
      notice or other communication ("Notice") required or permitted under this
      Agreement shall be in writing and either delivered personally or sent by
      facsimile, overnight delivery, express mail, or certified or registered mail,
      postage prepaid, return receipt requested. A Notice shall be addressed, in
      the
      case of the Company, to Bruce Biller at 2200
      E.
      Rte 66, Suite 102, Glendora, CA  91740,
      with a
      copy to Robert W. Shapiro, Shapiro Buchman Provine Patton, LLP, 1333 N.
      California Boulevard, Suite 350, Walnut Creek, CA 94596; or in the case of
      ATPA,
      at ATPA’s address as it appears on the signature page below. If sent by
      facsimile, a Notice shall be sent to the Company at (626)
      852-5587,
      with a
      copy to Robert W. Shapiro at (925) 944-9701, or to ATPA at the facsimile number
      of ATPA that appears on the signature page below, if any. Any party may
      designate, by Notice to the others, substitute addresses, addressees or
      facsimile numbers for Notices, and thereafter, Notices are to be directed to
      those substitute addresses, addressees or facsimile numbers. 

     

    [signature
      page follows]

     

    
      
         

      

      
        -5-

        
          

        

      

      
         

      

    

     

    WITNESS
      the hands of the parties the date first above written.

     

    
      	 	 	 
	 	BENEFITS
              TECHNOLOGIES, LLC
	 
 	 
 	 
 
	
            	By:  	/s/
              Leonard Neuhaus
	 	
              
Len
              Neuhaus, Chairman 

    

    

      	 	 	 
	 	ASSOCIATED
              THIRD
              PARTY ADMINISTRATORS
	 
 	 
 	 
 
	
            	By:  	/s/
              Rick
              Stierwalt 
	 	
              
                

              

              Rick Stierwalt

              President

            
	 	 
	
              Address:  

            	
              1640 South Loop Road

              Alameda, CA 94502

              Fax: (510)
                337-3060

            

    

     

    
      
         

      

      
        -6-

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