Document:

Exhibit 10.13

Exhibit 10.13

FIRST AMENDMENT

to the

EMPLOYMENT AGREEMENT

Between Alliance HealthCard, Inc. (Access Plans, Inc.) and Brett Wimberley

THIS IS THE FIRST AMENDMENT TO THE EMPLOYMENT AGREEMENT dated February 28, 2007 (the “Agreement”),
by and between Alliance HealthCard, Inc. and its wholly-owned subsidiary, AHC-Benefit
Marketing Acquisition, Inc. (“AHC”) and Brett Wimberley (“Employee”) dated May 28, 2010.

W I T N E S S E T H:

WHEREAS, AHC and Employee entered into an Employment Agreement governing the terms of Employee’s
employment with AHC.

WHEREAS, Access Plans, Inc. became the parent of Alliance HealthCard, Inc. and its subsidiaries in
2009.

WHEREAS, the parties desire to amend the terms of the agreement and the Board of Directors has
approved said amendment.

NOW, THEREFORE, AHC and Employee hereby agree as follows:

	 	1.	 	Access Plans, Inc. shall become a party to the Agreement in substitution for AHC.

	 	2.	 	Paragraph 3. (a) Base Salary. shall be amended to reflect a basic annualized
salary of Three Hundred Thousand Dollars ($300,000) effective May 1, 2010.

Nothing in this Amendment is intended to modify, alter, reduce or change the rights or obligations
of the parties in the Agreement, except as expressly stated in this Amendment. It is the intent of
the parties that the terms and conditions of this Amendment be read and interpreted as being
additive to and in harmony with, and not contradictory to, the terms and conditions of the
Agreement.

 

 

 

IN WITNESS WHEREOF, on this date of May 28, 2010 the parties have executed and delivered this First
Amendment as set forth below:

	 	 	 	 	 	 	 	 	 
	AHC:	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Alliance HealthCard, Inc.	 	AHC-Benefit Marketing Acquisition, Inc.	 	 
	 
	 	 	 	 	 	 	 	 
	By:

	 	 	 	By:	 	 	 	 
	 

	 	 

	 	 	 	 

	 	 
	 
	 	 	 	 	 	 	 	 
	Bradley W. Denison 

Executive Vice President, 

General Counsel and Secretary	 	Bradley W. Denison 

General Counsel	 	 
	Date:

	 	 	 	Date:	 	 	 	 
	 

	 	 
	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Access Plans, Inc.	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	By:
	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Bradley W. Denison 

Executive Vice President, 

General Counsel and Secretary	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Date:
	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	EMPLOYEE:	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 
	Brett Wimberley	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Date:
	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 

 

- 2 -Exhibit 10.14

Exhibit 10.14

LEASE AGREEMENT

THE SUMMIT BUILDING

This lease agreement made and entered into as of the 1st day of February, 2004,
between Onward, L.L.C. an Oklahoma Corporation, hereinafter referred to as “Lessor”, and
Benefit Marketing Solutions, hereinafter referred to as “Tenant”.

WITNESSETH:

SEC. 1. LEASED PREMISES:

In consideration of the mutual covenants as set forth herein, Tenant and Lessor agree as follows:

	A.	 	Lessor hereby leases to Tenant and Tenant hereby leases from Lessor for the rental and on the
terms and conditions hereinafter set forth approximately 2474 square feet of rentable
space on the first floor as indicated on the plan attached hereto as Exhibit A., and known as
Suite 105 (Upstairs) in the office building located at 900 36th Avenue NW,
in the city of Norman, Cleveland County in the State of Oklahoma. Tenant assumes the
responsibility to verify the square footage.
	 
	B.	 	Lessor also leases to Tenant reasonable unassigned parking spaces.

SEC. 2. TERM:

Subject to and upon the conditions set forth herein, or any exhibit or addendum hereto, the term of
this lease shall be for a period of twelve (12) months, beginning February 1st, 2004
(“Commencement Date”) and shall end at midnight on January 31, 2005.

SEC. 3. USE: The leased premises shall be used and occupied by Tenant solely as General Office
and for no other purpose.

SEC. 4. SECURITY DEPOSIT: Security Deposit of $00.00. Upon the occurrence of any event of
default by Tenant, Lessor may, without prejudice to any other remedy, use the security deposit paid
to Lessor by Tenant as herein provided to the extent necessary to make good any arrears of rent and
any damage caused to the suite or building by the Tenant or other damage, injury, expense or
liability caused to Lessor by such event of default, any remaining balance of such security deposit
to be returned by Lessor to Tenant upon termination of this lease. Such security deposit shall not
be considered an advance payment of rental or a measure of Lessor’s damages in case of default by
Tenant.

 

 

 

SEC. 5. RENT: As consideration for the execution of this lease, lessee covenants, agrees and
promises to pay as basic rental, a total sum of $36,00.00 payable at the office of Lessor
in twelve (12) monthly installments of $3,000.00 in legal tender of the United
States of America, in advance, without demand and without deduction, on the first day of each
calendar month during the term hereof, provided however, that if the term of this Lease commences
on a date other than the first day of a calendar month, the first rental payment, to be made on
lease execution shall be the rental for the pro-rated rental remainder for the calendar month in
which the Lease term commences.

In addition to the foregoing rental, Tenant agrees to pay to Lessor as additional rental all
charges for any services, goods, or materials furnished by Lessor at Tenant’s request which are not
required to be furnished by Lessor under this Lease Agreement, as well as all other sums payable by
Tenant thereunder, within ten (10) days after lessor renders a statement therefore to lessee. All
past due installments shall bear late fee of $00.00.

SEC. 6. RENTAL EXCALATION:

	A.	 	“Base Year” as used herein means the calendar year 2003.

	B.	 	The total net rental area of the building is 14,435 square feet and for rental
escalation purposes, Tenant’s pro-rata share thereof is agreed to .05%.
	 
	C.	 	“Operating Expenses” for the base year is $5.30 per square foot.
	 
	D.	 	Tenant agrees to pay as additional rental its pro-rata share of increases in operational
expenses for the items set out in the sub-paragraphs below. Lessor shall, within nine
(9) months following the close of any calendar year for which additional rental is due
under the sub-paragraph below, give written notice thereof to the Tenant. The notice
shall include a computation of the additional rent, in reasonable detail, and Tenant agrees
to make payment of the additional rents to Lessor within thirty (30) days following receipt
of this notice Lessee shall have the right, at its expense and at a reasonable time, to
examine Lessor’s books relevant to additional rentals due under this paragraph.

	 	(i)	 	Services. Tenant agrees to pay, as additional rental, its proportionate share of
any increases in Lessor’s costs of providing repairs, management, maintenance and
operation of the building, repair and operation of the building, heating, air
conditioning, utilities, janitorial supplies, cleaning and other services, landscape,
parking and general maintenance and repairs in excess of Lessor’s costs of these
services for the Base Year, and any increases in subsequent calendar years, however,
that for purposes of calculations hereunder, any increases in utility rates (those for
water, sewer, electricity and other utilities servicing the building) in excess of such
rates as they exist on the Commencement Date hereof shall be a part of the increased
building operating costs without regard to the lease period.

 

 

 

	 	(ii)	 	Property Taxes. Lessor agrees to pay, as they become due, all real estate taxes,
which accrue against the leased premises during the term of this lease. Tenant agrees to pay,
as additional rental, its proportionate share of any increases in real estate taxes over the
taxes paid for the Base Year, and any increase in subsequent calendar year.
	 
	 	(iii)	 	Insurance. Tenant agrees to pay as additional rental, its proportionate share of
any increase insurance premiums Lessor is required to pay pursuant to the terms of this
Lease over the insurance premiums paid for the Base Year, and any increases in
subsequent calendar years. If an increase in the fire and extended coverage premiums
paid by Lessor for the building in which Tenant occupied space is caused by Tenant;
Tenant’s use and occupancy of the premises, or if Tenant wrongly vacates the premises
prior to the normal expiration of the lease and causes an increase, then Tenant shall pay
as additional rental the amount of the increase to Lessor.
	 
	 	(iv)	 	Base Rental. Anything herein to the contrary notwithstanding, in no event will the
Base Rental provided for herein ever be reduces.
If Additional Rental is due at the end of any calendar year, Tenant agrees to pay Lessor
without deduction or setoff, the Additional Rent as follows:
	 
	 	(v)	 	At the end of each calendar Year and within thirty (30) days from notice from the Lessor
that Additional Rent is due, Tenant shall pay Lessor Additional Rent not already paid by
Tenant pursuant to the provisions hereof, and
	 
	 	(vi)	 	Tenant agrees to pay Lessor for each month during each calendar year one-twelfth (1/12)
of such Additional Rental due for the preceding calendar year. On the first day of the
month next following written notice from Lessor that Additional Rent is due for the
immediately proceeding calendar year, Tenant shall pay additional sum necessary so that
Tenant shall have paid one-twelfth (1/12) of such Additional Rent for each month in the
then current year. Thereafter, Tenant shall pay on the first day of each month until a
subsequent adjustment in Additional Rent, one-twelfth (1/12) of such Additional Rent for
the immediately preceding calendar year.
	 
	 	(vii)	 	The rental payable during each calendar year of part thereof during the term of this Lease
subsequent to the base year for rental escalation as heretofore specified in the lease
shall be increased by Tenant’s percentage share, as specified in the Base Lease Information, of the
total dollar increase, if any, in Operating Expenses paid or incurred by Lessor in the
Base Year. Operating Expenses shall not include any capital costs made by Lessor.

SEC. 7. SERVICES AND UTILITIES Lessor, at its sole cost and expense will pay for all charges for
water and electricity used by Tenant while occupying the leased premises, with electricity for
ordinary office uses, ballastand lamp replacement for the building’s fluorescent fixtures located
in the demised premises, elevator service; janitorial service on a five-day week basis, in the
manner and to the extent deemed standard by Lessor during the periods and hours as services are
normally furnished to all tenants. Tenant will pay all telephone charges. Lessor agrees to furnish
Tenant with tempered and refrigerated water at those points of supply provided for

 

 

 

 general use of
other Tenants in the building; heated and refrigerated air conditioning in
 season, at temperatures and in amounts which Lessor considers standard. Lessor shall not be liable
in damages or otherwise for failure, stoppage or interruption of any such service, nor shall the
same be construed as eviction of Tenant, work or abatement of rent, or relieve Tenant from the
operation of any covenant or agreement; but in the event of any failure, stoppage or interruption
thereof, Lessor shall use reasonable diligence to resume service promptly. The work of the
building janitor shall not be hindered by Tenant. In the event Tenant desires heating and air
conditioning at times other than herein specified, Tenant agrees to pay entire cost thereof.

SEC. 8. MAINTENANCE, REPAIRS AND USE: Lessor shall, at its own cost and expense provide for the
cleaning and maintenance of the public portions of the building, including painting and landscaping
surrounding the building. Unless otherwise expressly stipulated herein, Lessor shall not be
required to make any improvements or repairs of any kind or character on the leased premises during
the term of this lease, except such repairs as may be required by normal maintenance operations,
which shall include repairs to the exterior walls, corridors, windows, roof and other structural
elements and equipment of the building, such additional maintenance as may be necessary because of
damages by persons other than Tenant, its agents, employees, invitees or visitors. Lessor shall
have sole control over the parking of automobiles and other vehicles and shall designate parking
areas and building service areas. Lessor may at its option and at the cost and expense of Tenant,
repair or replace any damage of injury done to the building or any part thereof, caused by Tenant,
Tenant’s agents, employees, licensees, invitees or visitors; Tenant shall pay the cost thereof to
Lessor on demand. Tenant further agrees to maintain and keep the interior of the leased premises
in good repair and condition at Tenant’s expense. Tenant agrees not to commit or allow any waste
or damage to be committed on any portion of the leased premises, and at the termination of this
lease, by lapse of time or otherwise, to deliver up the leased premises to Lessor in as good
condition as on date of possession by Tenant, ordinary wear and tear alone excepted, and upon such
termination of this lease, Lessor shall have the right to reenter and resume possession of the
leased premises. Tenant will not use, occupy or permit the use or occupancy of the leased premises
for any purpose which is directly or indirectly, forbidden by law, ordinance, or governmental or
municipal, regulation or order, or which may be dangerous to life, limb or property; or permit the
maintenance of any public or private nuisance; or do or permit any other thing which may disturb
the quiet enjoyment of any other tenant of the building; or keep any substance or carry on or
permit any operation which might emit offensive odors or conditions into other portions of the
building; or use any apparatus which might make undue noise or set up vibrations in the building;
or permit anything to be done which would increase the fire and extended coverage insurance rate of
the building or contents, and if there is any increase in such rates by reason of acts of Tenant,
then Tenant agrees to pay such increase promptly upon demand thereof by Lessor.

SEC. 9. QUIET ENJOYMENT:

Tenant, on paying the said rent and performing covenants herein agreed to be by it performed,
shall and may peaceably and quietly have, hold and enjoy the leased premises for the said term.

 

 

 

SEC. 10. ALTERATIONS:

Tenant covenants and agrees to keep the premises free of all liens for improvements or otherwise
and that it will make no structural change or major alteration without Lessor’s written consent in
advance, and without first furnishing the Lessor fifteen (15) days advance notice
outlining in detail the proposed changes or alterations.

SEC. 11. FURNITURE, FIXTURES AND PERSONAL PROPERTY:

Tenant may remove its office supplies and movable office furniture and equipment not attached
to the walls, ceiling or floors of the building provided: (a) such removal is made prior to the
termination of the term of this lease; (b) Tenant promptly repairs all damage caused by such
removal. All other property at the leased premises and any alterations of additions to the leased
premises including but not limited to wall-to-wall carpeting, paneling, desks, shelves, molding, or
wall covering and any other article attached or affixed to the floor, wall or ceiling of the leased
premises as a part thereof at the termination of this lease by lapse of time or otherwise.

SEC. 12. SUBLETTING AND ASSIGNING:

Tenant shall not assign this lease, or allow it to be assigned, in whole or in part, by operation
of law or otherwise, or mortgage or pledge the same, or sublet the leased premises, or any part
hereof, without the prior written consent of Lessor, which shall not be unreasonably withheld, and
in no event shall any such assignment or sublease ever release lessee from any obligation or
liability hereunder. No assignee or sublessee of the Premises or any portion thereof may assign or
sublet the Premises or any portion thereof.

If the Tenant desires to assign or sublet all or any part of the demised Premises, it shall discuss
same with Lessor at least thirty (30) days in advance of the date on which Tenant desires to make
such assignment or sublease, either directly or through any broker. When Tenant has obtained an
assignee or sublessee, Tenant shall provide Lessor with a copy of the proposed
assignment or sublease. Within twenty (20) days after Lessor’s receipt of Tenant’s proposed
assignment or sublease, Lessor shall have the option to:

	 	A.	 	Cancel the lease as to the Premises or portion thereof proposed to be
ascended or Sublet; or
	 
	 	B.	 	Consent to the proposed assignment or sublease, in which event,
however, if the
rent due and payable by any assignee or sublessee under any such permitted assignment
or sublease (or a combination of the rent payable under such assignment or sublease
plus any bonus or any other consideration therefore or any payment incident thereto) for the space assigned or sublet exceeds the hereinabove
provided rent payable under this Lease for such space, Tenant shall be bound and
obligated to pay Lessor all such excess rental and other excess consideration within
ten (10) days following receipt thereof by Tenant from such assignee or sublessee, as
the case by be: or
	 
	 	C.	 	Refuse its consent to the proposed assignment or sublease but allow
Tenant to continue in search for an assignee or sublessee that may be acceptable to
Lessor,
which option shall be deemed to be elected unless Lessor gives Tenant written notice
providing otherwise.

 

 

 

SEC. 13. FIRE AND CASUALTY:

The parties hereto mutually agree that if the leased premises are partially or totally destroyed by
fire or other casualty covered by the fire and extended coverage insurance to be carried by Lessor
under the terms hereof, then Lessor may at its option, repair and restore the leased premises as
soon as it is reasonably practicable, to substantially the same condition in which the leased
premises were before such damage, or it may terminate the lease; provided, however, that in the
event the leased premises are completely destroyed or so badly damaged that repairs cannot be
commenced within thirty (30) days and completed within six months thereafter, then this lease shall
be terminable as of the date of the occurrence of the damage or destruction, by either party hereto
by serving written notice upon the other; and provided further, that in any event if repairs have
not been commenced within thirty (30) days from the date of said damage and thereafter completed
within a reasonable time, in no case to exceed six months, this lease may be immediately terminated
by Tenant as of the date of the occurrence of the damage or destruction, by serving notice upon the
Lessor.

In the event the leased premises are completely destroyed or so damaged by fire or other casualty
covered by the fire and extended coverage insurance to be carried by Lessor under the terms hereof
that it cannot be reasonably be used by Tenant for the purposes herein provided and this lease is
not terminated as above provided, than there shall be a total abatement of rent until said premises
are made usable. In the event the leased premises are partially destroyed or damaged by fire or
other hazard so that such premises can be only partially used by Tenant for the purpose herein
provided, then there shall be a partial abatement in the rent corresponding to the time and extent
which such premises cannot be used by Tenant.

SEC. 14. CONDEMNATION:

In the event the building, leased premises, or any portion thereof shall be taken or condemned in
whole or in part for public purposes then the term of this lease shall, at the option of the
Tenant, forthwith cease and terminate, and the Lessor shall receive the entire award for land and
building; in the event Tenant does not terminate as herein provided, there shall be proportioned
reduction in the rent.

SEC. 15. DEFAULT BY TENANT:

Tenant shall make default in any covenant or agreement to be performed by it and if after written
notice from Lessor to Tenant (except for a default caused by the nonpayment of rent as set forth in
Section 5 Hereof, for which no notice is required) such default shall continue for a period of ten
(10) days or if the leasehold interest of Tenant shall be taken on execution or other process of
law or if Tenant shall petition under any provision the Bankruptcy Code of the United States or be
declared to be insolvent according to law, than and in any of said causes, the Lessor may
immediately or at any time thereafter, without further notice or demand, enter upon and into said
Premises or any part thereof and take absolute possession of the same fully and absolutely without
such reentry automatically working a forfeiture of the rents to be paid and the covenants to be
performed by Tenant for the full term of this lease and at the

 

 

 

 Lessor’s election, Lessor may either
lease or sublet such premises or any part thereof on such terms and

conditions and for such rents and for such time as the Lessor may reasonably elect and after
crediting the proceeds of any rent actually collected by Lessor from such relating on the rentals
stipulated to be paid under this lease by Tenant, collect from Tenant any balance remaining due on
the rent reserved under this lease, or Lessor may declare this lease forfeited and may take full
and absolute possession of said premises free from any subsequent rights or obligations of Tenant,
or at the option of Lessor, the entire rent for the balance of the term shall at once become due
and payable, as if by the terms of this lease it were all payable in advance. In the event of such
default and relating by Lessor, Tenant agrees to pay all cost of refurnishing and all costs of
relating premises.

All remedies herein given Lessor, including all those set forth as provided by law, shall be
cumulative, and the exercise of one or more of such remedies by Lessor shall not exclude the
exercise of any other consistent remedy, nor shall any waiver by Lessor, express or implied, of
any breach of any term, covenant or condition hereof be deemed a waiver of such term, condition or
covenant, or any subsequent breach of the same of any other term, covenant or condition hereof.
Acceptance of rent by Lessor from Tenant or any assignee, sublessee or other
Successor in interest to Tenant, with or without notice, shall never be construed as a waiver of
any breach of any term, condition or covenant of this lease. Failure of Lessor to declare any
default upon occurrence thereof; or delay in taking action with respect thereto shall not waive
default, and Lessor shall have the right to declare such default at any time and take such action
as may be authorized hereunder, in law or equity, or otherwise.

In addition to the payment of the rentals and the late payment charge as provided herein, the
Lessor and Tenant each agree to reimburse the other for all expenses incurred by either in
effecting enforcement of these lease provisions, which shall include but not be limited to
attorney’s fees and court costs. In the event of money judgment, attorney’s fees shall be a
maximum of fifteen percent (15%) thereof.

SEC. 16. HOLD HARMLESS:

Lessor and Tenant agrees that each will indemnify the other and hold the other harmless from and
against all fines, suits, claims, demands, liabilities and actions (including costs and expenses of
defending against such claims) resulting or alleged to result from any breach, violation or
non-performance of any covenant or condition hereof or from the use of occupancy of the leased
premises by Tenant or Tenant’s agents, employees, licensees, or invitees. Lessor shall not be
liable to Tenant or Tenant’s agents, employees, licensees, or invitees, for any damage to person or
property resulting from any act or omission or negligence of any co-tenant, visitor or other
occupant of the building except insofar as Lessor’s own negligence may contribute thereto.

SEC. 17. NONWAIVER:

Neither acceptance of rent by Lessor nor failure by Lessor to complain of any action, non-action or
default of Tenant, whether singular or repetitive, shall constitute a waiver of any of Lessor’s
rights hereunder. Waiver by Lessor of any right for any default of Tenant shall not constitute a
waiver of any right for either a subsequent default of the same obligation or any other default.
No act or thing done by Lessor or its agent shall be deemed to be an acceptance of surrender of
the leased premises and no agreement to accept a surrender of the leased premises shall be valid
unless it is in writing and signed by a duly authorized officer or agent of Lessor.

 

 

 

SEC. 18. RULES AND REGULATIONS:

Such reasonable rules and regulations applying to all Tenants in the building as may be hereafter
adopted by Lessor for the safety, care and cleanliness of the premises and the preservation of good
order thereon, are hereby made a part hereof and Tenant agrees to comply with all such rules and
regulations. Lessor shall have the right at all times to change rules and
Regulations or to amend them in any reasonable manner as may be deemed advisable by Lessor, all of
which changes and amendments will be sent by Lessor to Tenant in writing and shall be thereafter
carried out and observed by Tenant. (See Exhibit “B” attached).

SEC. 19. ASSIGNMENT BY LESSOR:

Lessor shall have the right to assign or transfer, in whole or in part every feature of its right
and obligations hereunder and in the building and leased premises. Such assignments or transfers
may be made to a corporation, trust, trust company, individual or group of individuals, and
howsoever made shall be in all things respected and recognized by Tenants.

SEC. 20. SEVERABILITY:

This Lease Agreement shall be construed in accordance with the laws of the State of Oklahoma. If
any clause or provision of this lease is illegal, invalid, or unenforceable, under present or
future laws effective during the term hereof, that the remainder of this lease shall not be
affected thereby, and it is also the intention of both parties that in lieu of each clause or
provision that is illegal, invalid or unenforceable, there be added as a part of this lease a
clause or provision as similar in terms to such illegal, invalid or unenforceable clause or
provisions as may be possible and be legal, valid and enforceable.

SEC. 21. SIGNS:

No signs of any kind or nature, symbol or identifying mark shall be put on the building, in the
halls, elevators, staircases, entrances, parking areas or upon doors, walls or windows, whether
plate glass or otherwise, of the leased premises nor within the leased premises so as to be visible
from the public areas or exterior of the building, without prior written approval of Lessor. All
signs or lettering shall conform in all respects to the sign and/or lettering criteria established
by Lessor.

SEC. 22. SUCCESSORS AND ASSIGNS:

The Lessor and Tenant agree that all provisions hereof are to be construed as covenants and
agreements as though the words imparting such covenants were used in each separate paragraph
hereof, and that, except as restricted by the provisions of the section entitled “Subletting and
Assigning” hereof, this lease agreement and all the covenants herein contained shall be binding
upon the parties hereto, their respective heirs, legal representatives, successors and assigns.

 

 

 

SEC. 23. HOLDING OVER:

In the event of holding over by Tenant after the expiration or termination of this lease, such hold
over shall be as a Tenant at will and all of the terms and provisions of this lease shall be
applicable during such period, except that Tenant shall pay Lessor as rental for the period of such
hold over an amount equal to twice the rent which would have been payable by Tenant had
such hold over period been a part of the original term of this lease, and Tenant will vacate said
premises and deliver the same to Lessor upon Tenant’s receipt of notice from Lessor to vacate
premises. The rental payable during such hold over period shall be payable to Lessor on demand.
No holding over by Tenant, whether with or without consent of Lessor, shall operate to extend this
lease except as herein provided.

SEC. 24. ENTIRE AGREEMENT

This instrument and any attached addenda or exhibits signed by the parties constitute the entire
agreement between Lessor and Tenants; no prior written or prior or contemporaneous oral promises or
representations shall be binding. This lease shall not be amended, changed or extended except by
written instrument signed by both parties hereto. Paragraph captions herein are for Lessor’s and
Tenant’s convenience only, and neither limit nor amplify the provisions of this instrument.

SEC. 25. NOTICES:

Whenever in this lease it shall be required or permitted that notice of demand be given or served
by either party to this lease to or on the other, such notice or demand shall be given or served
and shall not be deemed to have been given or served unless in writing and delivered personally or
forwarded by Certified or Registered Mail, postage pre-paid, addressed as follows:

To the Lessor

ONWARD, L.L.C.

2500 S McGee Drive, Suite 147

Norman, OK. 73072

To the Tenant

Benefit Marketing Solutions

900 36th Avenue, NW, Suite 105

Norman, OK. 73072

Such addresses may be changed from time to time by either party by serving notices as above
provided.

 

 

 

SEC. 26. TENANT’S INSURANCE:

	A.	 	All insurance required to be carried by Tenant hereunder shall be issued by responsible
insurance companies acceptable to Lessor and qualified to do business in the State of
Oklahoma. Each policy shall name Lessor, as an additional insured, as their respective
interest may appear. Each policy shall contain:

	 	(i)	 	A cross-liability endorsement
	 
	 	(ii)	 	A provision that such policy and the coverage evidenced thereby shall be primary
non-contributing with respect to any policies carried by Landlord and that any coverage
carried by Lessor shall be excess insurance, and
	 
	 	(iii)	 	A waiver by the insurer of any right of subrogation against Lessor, its agents,
employees and representatives, which arises or might arise by reason of any payment
under such policy or by reason of any act or omission of Lessor, its agents, employees
or representatives. A copy of each paid policy (authenticated by the insurer) or
certificate of the insurer evidencing the existence and amount of each
insurance policy required hereunder shall be delivered to Lessor before the date
Tenant if first given the right of possession of the Premises, and thereafter within
thirty (30) days after any demand by Lessor thereof. Lessor may, at any time and from
time to time, inspect and/or copy any insurance policies required to be
maintained by Tenant hereunder. No such policy shall be cancelable except after
twenty (20) days written notice to Lessor. Tenant shall furnish Lessor with renewals
or “binders” of any such policy at least ten (10) days prior to the expiration thereof.
Tenant agrees that if Tenant does not take out and maintain such insurance, Lessor
may (but shall not be required to) procure said insurance on Tenant’s behalf and
charge the Tenant the premiums payable upon demand. Tenant shall have the right
to provide such insurance coverage pursuant to blanket policies obtained by the
Tenant, provided such blanket policies expressly afford coverage to the Premises,
Lessor and Tenant as required by this Lease.

	A.	 	Beginning on the date Tenant is given access to the Premises for any purpose and
continuing until expiration of the Term, Tenant shall procure, pay for and maintain in
effect policies of casualty insurance covering:

	 	(i)	 	All Leasehold Improvements (including any alterations, additions or
improvements as may be made by Tenant, and;
	 
	 	(ii)	 	Trade Fixtures, merchandise and other personal property from time to time
in, or about the Premises, providing protection against any peril included within
the classification “Fire and Extended Coverage” together with insurance against
sprinkler damage, vandalism and malicious mischief. The proceeds of such
insurance shall be used for the repair or replacement of the property to be
insured. Upon termination of this lease following a casualty as set forth herein,
the proceeds under (i) shall be paid to Lessor, and the proceeds under )(ii) above
shall be paid to Tenant.

 

 

 

	B.	 	Beginning on the date Tenant is given access to the Premises for any purpose and
continuing until expiration of the Term, Tenant shall procure, pay for and maintain in
effect worker’s compensation insurance as required by law and comprehensive public
liability and property damage insurance with respect to the construction of improvements
on the Premises, the use, operation or condition of the Premises and the operations of
Tenant in, on or about the Premises, providing personal injury and broad form property
damage coverage for not less than Five Hundred Thousand Dollars ($500,00.00) combined
single limit for bodily injury, death and property damage liability.

SEC. 27. TENANT ESTOPPEL CERTIFICATES:

Within ten (10) days after written request from Lessor, Tenant shall execute and deliver to
Lessor’s designee a written statement certifying (a) that this Lease is unmodified and in full
force and effect, or is in full force and effect as modified and stating the modifications; (b)
the amount of Rent and the date to which Rent has been paid in advance; © the amount of any
security deposit with Lessor; and (d) that Lessor is not in default hereunder or, if Lessor is
claimed to be in default hereunder or, if Lessor is claimed to be in default, stating the nature of
any claimed default. Any such statement may be relied upon by any purchase, assignee or lender.
Tenant’s failure to execute and deliver such statement within the time required shall at Lessor’s
election be a default under this Lease and shall also be conclusive upon Tenant that; (1) this
lease is in full force and effect and has not been modified except as represented by Lessor; (2)
there are not uncured defaults in Lessor’s performance and that Tenant has no right to offset,
counterclaim or deduction against Rent; and (3) not more than one month’s Rent has been paid in
advance. Lessee shall be requited to execute such and Estoppel Certificate only if the matters
contained therein are in fact the truth. Any such statement may be relied upon by any purchaser,
assignee or lender.

SEC. 28. OTHER PROVISIONS:

Exhibits and Addenda

The exhibits and addenda listed below (unless lined out) are incorporated by reference in this
Lease.

A Exhibit “A” Floor Plan showing the Premises.

B. Exhibit “B” Rules and Regulations.

	 	 	 
	IN WITNESS WHEREOF the Lessor
acting herein by duly authorized individuals,
have caused those present to be executed which
shall have the force and effect of an original
on this
the 1st day of February, 2004.

	 	IN WIITNESS WHEREOF the
Tenant acting herein by duly
authorized individuals, have caused
those presents to be executed
which shall
have the force and effect of
an original on this the 1st day of February, 2004.
	 
	 	 
	Attest

	 	Attest
	Lessor:

	 	Tenant:

 

 

 

	 	 	 	 	 	 	 
	Onward, L.L.C.	 	Benefit Marketing Solutions 
	 
	 	 	 	 	 	 
	 	 	 
	Witness

	 	Date
	 	Witness
	 	Date
	 
	 	 	 	 	 	 
	 	 	 
	President/Landlord

	 	Date
	 	Tenant
	 	Date
	 

	 	 	 	(Brett Wimberley)	 	 

 

 

 

EXHIBIT “B”

RULES AND REGULATIONS

1. No sign, placard, picture, advertisement, name or notice shall be inscribed, displayed or
printed of affixed on or to any part of the outside or inside of the building
without the written consent of Lessor first had and obtained and Lessor shall have the right to
remove any such sign, placard, picture, advertisement, name or notice without notice to and at the
expense of the Tenant.

All approved signs or lettering on doors or windows shall be printed, painted, affixed or inscribed
at the expense of Tenant by a person approved by the Lessor.

Lessor shall not place anything or allow anything to be placed on or near the glass of any window,
door partition or wall which may appear unsightly from outside the Premises; provided, however,
that Lessor may furnish and install a Building standard window covering at all exterior windows.
Tenant shall not without prior written consent of Lessor cause or otherwise sunscreen any window.

	2.	 	The sidewalks, halls, passages, exits, entrances, elevators and stairways shall not be
obstructed by any of the Tenants or used by them for any purpose other than ingress and
egress from their respective Premises.

	3.	 	Tenant shall not alter any lock or install any new or additional locks of any bolts on any
doors or windows of the Premises.

	4.	 	The toilet rooms, urinals, wash bowls and other apparatus shall not be used for any purpose
other than that for which they were constructed and no foreign substance of any kind
whatsoever shall be thrown therein and the expense of any breakage, stoppage or damage
resulting from the violation of this rule shall be borne by the Tenant who, or whose employees
or invitees shall have caused it.

	5.	 	Tenant shall not overload the floor of the Premises or in any way deface the Premises of any
part thereof.

 

 

 

	6.	 	No furniture, freight or equipment of any kind shall be brought into the Building without the
prior notice to Lessor and all moving of the same into or out of the Building shall be done at
such time and in such manner as Lessor shall designate.
Lessor shall have the right to prescribe the weight, size and position of all safes and other
heavy equipment brought into the Building and also the times and manner of moving the same in
and out of the building. Safes or other heavy object shall, if considered necessary by Lessor,
stand on supports of such thickness as is necessary
to properly distribute the weight. Lessor will not be responsible for loss of or damage to any
such safe or property from any cause and all damage done to the Building by moving or
maintaining any such safe or other property shall be repaired at the expense of Tenant.

	7.	 	Tenant shall not use, keep or permit to be used or kept any foul or noxious gas or substance
in the Premises, or permit or suffer the Premises to be occupied or used in a manner offensive
or objectionable to the Lessor or other occupants of the Building by reason of noise, odors
and/or vibrations, or interfere in any way with other Tenants or those having business
therein, nor shall any animals or birds be brought in or kept in or about the Premises or the
Building.

	8.	 	No cooking shall be done or permitted by any Tenant on the Premises, nor shall the Premises
be used for the storage of merchandise, for washing clothes, for lodging, or for any improper,
objectionable or immoral purposes. However, Tenant may use a microwave to warm food for
Tenant and its employees.

	9.	 	Tenant shall not use or keep in the Premises or the Building any kerosene, gasoline or
inflammable or combustible fluid or material, or use any method of heating or air-conditioning
other than that supplied by the Lessor.

	10.	 	Lessor will direct electricians as to where and how telephone and telegraph wires are to be
introduced. No boring or cutting for wires will be allowed without the consent of the Lessor.
The location of telephones, call boxes and other office equipment affixed to the Premises
shall be subject to the approval of the Lessor.

	11.	 	On Saturdays, Sundays and legal holidays, and on other days between the hours of 6:00pm and
8:00am the following day, access to the building, or to the halls, corridors, elevators or
stairways in the Building, or to the Premises may be refused unless the person seeking access
is known to the person or employee of the Building in charge and has a pass or is properly
identified. The Lessor shall in no case be liable for damages for any error with regard to
the admission to or exclusion from the Building of any person. In case of invasion, mob,
riot, public excitement, or other commotion, the Lessor reserves the right to prevent access
to the Building during the continuance of the same by closing of the doors or otherwise, for
the safety of the tenants and protection of property in the building and the Building.

	12.	 	Lessor reserves the right to exclude or expel from the Building any person who, in the
judgement of Lessor, is intoxicated or under the influence of liquor or drugs, or who shall in
any manner do any act in violation of the rules and regulations of the Building.

 

 

 

	13.	 	No vending machine or machines of any description shall be installed, maintained or
operated upon the Premises without the written consent of the Lessor.
	 
	14.	 	Lessor shall have the right, exercisable without notice and without liability to Tenant,
to change the name and street address of the Building of which the Premises are a part.
	 
	15.	 	Tenant shall not disturb, solicit, or canvass any occupant of the Building and shall
cooperate to prevent the same.
	 
	16.	 	Without the written consent of Lessor, Tenant shall not use the name of the Building
in connection with or in promoting or advertising the business of Tenant except as Tenant’s
address.
	 
	17.	 	Lessor shall have the right to control and operate the public portions of the Building,
and the public facilities, and heating and air conditioning, as well as facilities furnished
for the common use of the tenants, in such manner as it deems best for the benefit of the
Tenant’s generally.
	 
	18.	 	All entrance doors in the Premises shall be left locked when the Premises are not in
use, and all doors opening to public corridors shall be kept closed for normal ingress and
egress from the Premises.
	 
	19.	 	The smoking of tobacco in the common areas of The Summit Building (lobby,
restrooms, halls and stairways) and the subject suite is not permitted.

 

 

 

ADDENDUM TO LEASE AGREEMENT

THE SUMMIT BUILDING

The Lease Agreement between Onward, L.L.C. (“Lessor”) and Benefit Marketing Solutions, L.L.C.
(“Tenant”) which was effective May 1, 2005 and amended effective August 1, 2006, August 1, 2008,
September 30, 2009 and is hereby amended effective September 30, 2010 as follows:

1. The parties hereto agree to the terms of this Addendum.

2. The parties acknowledge that the Lease Agreement was assigned by Onward, L.L.C. to Southwest
Brokers, Inc. on October 6, 2005 and Southwest Brokers, Inc. is now “Lessor”.

3. The parties agree that Sec. 1, Part A of the Lease Agreement is hereby deleted and replaced
with the following:

Effective November 1, 2009: Lessor hereby leases to Tenant and Tenant hereby
leases from Lessor for the rental and on the terms and conditions hereinafter set
forth approximately 6523 square feet of rentable space on the second floor
and known as Suite 105 (Upstairs — previously Suite 200), Suite 201, Suite
202, Suite 203 and Suite 204 in the office building located at 900
36th Avenue NW, in the city of Norman, Cleveland County in the State of
Oklahoma. Tenant assumes the responsibility to verify the square footage.

4. The parties agree that Sec 2 of the Lease Agreement is hereby modified to extend the term of
the lease until midnight on September 30, 2011.

5. The Tenant agrees to pay, on the first day of each calendar month during the term hereof,
$8,153.75.

IN WITNESS WHEREOF, the parties herein, by duly authorized representatives have executed this
Addendum as of the effective date written above.

	 	 	 	 	 	 	 
	Lessor:	Southwest Brokers, Inc.	 	 
	 
	 	 	 	 	 	 
	 

	 	By: 	 	 	 	 
	 

	 	 	 

Brett Wimberley, President
	 	 
	 
	 	 	 	 	 	 
	 

	 	Date: 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	Tenant:	Benefit Marketing Solutions, L.L.C.	 	 
	 
	 	 	 	 	 	 
	 

	 	By: 	 	 	 	 
	 

	 	 	 	 	 
	 

	 	 	Danny Wright, Chief Executive Offier

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