Document:

Exhibit
              10.5

             

          

          STOCK
            PLEDGE AGREEMENT

           

          This
            Stock Pledge Agreement (this “Agreement”),
            dated
            as of August 22, 2006, among Laurus Master Fund, Ltd. (the “Pledgee”),
            Patients & Physicians, Inc., a Delaware corporation (the “Company”),
            and
            each of the other undersigned parties (other than the Pledgee) (the Company
            and
            each such other undersigned party, a “Pledgor”
and
            collectively, the “Pledgors”).

           

          BACKGROUND

           

          The
            Company has entered into an Amended and Restated Securities Purchase
            Agreement,
            dated as of the date hereof (as amended, modified, restated or supplemented
            from
            time to time, the “Securities
            Purchase Agreement”)
            pursuant to which the Pledgee provides or will provide certain financial
            accommodations to the Company.

           

          In
            order
            to induce the Pledgee to provide or continue to provide the financial
            accommodations described in the Securities Purchase Agreement, each Pledgor
            has
            agreed to pledge and grant a security interest in the collateral described
            herein to the Pledgee on the terms and conditions set forth herein.

           

          NOW,
            THEREFORE, in consideration of the premises and for other good and valuable
            consideration the receipt of which is hereby acknowledged, the parties
            hereto
            agree as follows:

           

          1.  Defined
            Terms.
            All
            capitalized terms used herein which are not defined shall have the meanings
            given to them in the Securities Purchase Agreement.

           

          2.  Pledge
            and Grant of Security Interest.
            To
            secure the full and punctual payment and performance of (the following
            clauses
            (a) and (b), collectively, the “Indebtedness”)
            (a)
            the obligations under the Securities Purchase Agreement and the Related
            Agreements referred to in the Securities Purchase Agreement (the Securities
            Purchase Agreement and the Related Agreements, as each may be amended,
            restated,
            modified and/or supplemented from time to time, collectively, the “Documents”)
            and
            (b) all other indebtedness, obligations and liabilities of each Pledgor
            to the
            Pledgee whether now existing or hereafter arising, direct or indirect,
            liquidated or unliquidated, absolute or contingent, due or not due and
            whether
            under, pursuant to or evidenced by a note, agreement, guaranty, instrument
            or
            otherwise (in each case, irrespective of the genuineness, validity, regularity
            or enforceability of such Indebtedness, or of any instrument evidencing
            any of
            the Indebtedness or of any collateral therefor or of the existence or
            extent of
            such collateral, and irrespective of the allowability, allowance or disallowance
            of any or all of such in any case commenced by or against any Pledgor
            under
            Title 11, United States Code, including, without limitation, obligations
            or
            indebtedness of each Pledgor for post-petition interest, fees, costs
            and charges
            that would have accrued or been added to the Indebtedness but for the
            commencement of such case), each Pledgor hereby pledges, assigns, hypothecates,
            transfers and grants a security interest to Pledgee in all of the following
            (the
“Collateral”):

           

          (a)  the
            shares of stock set forth on Schedule
            A
            annexed
            hereto and expressly made a part hereof (together with any additional
            shares of
            stock or other equity interests acquired by any Pledgor, the “Pledged
            Stock”),
            the
            certificates representing the Pledged Stock and all dividends, cash,
            instruments
            and other property or proceeds from time to time received, receivable
            or
            otherwise distributed in respect of or in exchange for any or all of
            the Pledged
            Stock;

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

           

          (b)  all
            additional shares of stock of any issuer (each, an “Issuer”)
            of the
            Pledged Stock from time to time acquired by any Pledgor in any manner,
            including, without limitation, stock dividends or a distribution in connection
            with any increase or reduction of capital, reclassification, merger,
            consolidation, sale of assets, combination of shares, stock split, spin-off
            or
            split-off (which shares shall be deemed to be part of the Collateral),
            and the
            certificates representing such additional shares, and all dividends,
            cash,
            instruments and other property or proceeds from time to time received,
            receivable or otherwise distributed in respect of or in exchange for
            any or all
            of such shares; and

           

          (c)  all
            options and rights, whether as an addition to, in substitution of or
            in exchange
            for any shares of any Pledged Stock and all dividends, cash, instruments
            and
            other property or proceeds from time to time received, receivable or
            otherwise
            distributed in respect of or in exchange for any or all such options
            and
            rights.

           

          3.  Delivery
            of Collateral.
            

           

          (a)  All
            certificates representing or evidencing the Pledged Stock shall be delivered
            to
            and held by or on behalf of Pledgee pursuant hereto and shall be accompanied
            by
            duly executed instruments of transfer or assignments in blank, all in
            form and
            substance satisfactory to Pledgee. 

           

          (b)  On
            the
            Closing Date, (i) the Company shall make arrangements with Interwest
            Transfer Company, Inc. (the
            “Transfer
            Agent”)
            for
            the transfer to the Pledgee of the original share certificates of Finity
            Holdings, Inc. pledged to the Pledgee pursuant hereto, with the receipt
            of such
            share certificates by the Pledgee to occur no later than five business
            days
            after the date hereof, and (ii) the Company shall deliver a duly executed
            instrument of transfer or assignment in blank, in form and substance
            satisfactory to the Pledgee, in relation to the share certificates of
            Finity
            Holdings, Inc. pledged by the Company to the Pledgee.

           

          (c)  Each
            Pledgor hereby authorizes the Issuer upon demand by the Pledgee to deliver
            any
            certificates, instruments or other distributions issued in connection
            with the
            Collateral directly to the Pledgee, in each case to be held by the Pledgee,
            subject to the terms hereof. 

           

          (d)  Upon
            the
            occurrence and during the continuance of an Event of Default (as defined
            below),
            the Pledgee shall have the right, during such time in its discretion
            and without
            notice to the Pledgor, to transfer to or to register in the name of the
            Pledgee
            or any of its nominees any or all of the Pledged Stock. In addition,
            the Pledgee
            shall have the right at such time to exchange certificates or instruments
            representing or evidencing Pledged Stock for certificates or instruments
            of
            smaller or larger denominations.

           

          4.  Representations
            and Warranties of each Pledgor.
            Each
            Pledgor jointly and severally represents and warrants to the Pledgee
            (which
            representations and warranties shall be deemed to continue to be made
            until all
            of the Indebtedness has been paid in full and each Document and each
            agreement
            and instrument entered into in connection therewith has been irrevocably
            terminated) that:

           

          
            
              
              

            

            
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          (a)  the
            execution, delivery and performance by each Pledgor of this Agreement
            and the
            pledge of the Collateral hereunder do not and will not result in any
            violation
            of any agreement, indenture, instrument, license, judgment, decree, order,
            law,
            statute, ordinance or other governmental rule or regulation applicable
            to any
            Pledgor;

           

          (b)  this
            Agreement constitutes the legal, valid, and binding obligation of each
            Pledgor
            enforceable against each Pledgor in accordance with its terms;

           

          (c)  (i)
            all
            Pledged Stock owned by each Pledgor is set forth on Schedule
            A
            hereto
            and (ii) each Pledgor is the direct and beneficial owner of each share
            of the
            Pledged Stock;

           

          (d)  all
            of
            the shares of the Pledged Stock have been duly authorized, validly issued
            and
            are fully paid and nonassessable;

           

          (e)  no
            consent or approval of any person, corporation, governmental body, regulatory
            authority or other entity, is or will be necessary for (i) the execution,
            delivery and performance of this Agreement, (ii) the exercise by the
            Pledgee of
            any rights with respect to the Collateral or (iii) the pledge and assignment
            of,
            and the grant of a security interest in, the Collateral hereunder;

           

          (f)  there
            are
            no pending or, to the best of Pledgor’s knowledge, threatened actions or
            proceedings before any court, judicial body, administrative agency or
            arbitrator
            which may materially adversely affect the Collateral;

           

          (g)  each
            Pledgor has the requisite power and authority to enter into this Agreement
            and
            to pledge and assign the Collateral to the Pledgee in accordance with
            the terms
            of this Agreement;

           

          (h)  each
            Pledgor owns each item of the Collateral and, except for the pledge and
            security
            interest granted to Pledgee hereunder, the Collateral shall be, immediately
            following the closing of the transactions contemplated by the Documents,
            free
            and clear of any other security interest, pledge, claim, lien, charge,
            hypothecation, assignment, offset or encumbrance whatsoever (collectively,
            “Liens”);

           

          (i)  there
            are
            no restrictions on transfer of the Pledged Stock contained in the certificate
            of
            incorporation or by-laws (or equivalent organizational documents) of
            the Issuer
            or otherwise which have not otherwise been enforceably and legally waived
            by the
            necessary parties;

           

          (j)  none
            of
            the Pledged Stock has been issued or transferred in violation of the
            securities
            registration, securities disclosure or similar laws of any jurisdiction
            to which
            such issuance or transfer may be subject;

           

          
            
              
              

            

            
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          (k)  the
            pledge and assignment of the Collateral and the grant of a security interest
            under this Agreement vest in the Pledgee all rights of each Pledgor in
            the
            Collateral as contemplated by this Agreement; and

           

          (l)  The
            Pledged Stock constitutes one hundred percent (100%) of the issued and
            outstanding shares of capital stock of each Issuer.

           

          5.  Covenants.
            Each
            Pledgor jointly and severally covenants that, until the Indebtedness
            shall be
            indefeasibly satisfied in full and each Document and each agreement and
            instrument entered into in connection therewith is irrevocably
            terminated:

           

          (a)  No
            Pledgor will sell, assign, transfer, convey, or otherwise dispose of
            its rights
            in or to the Collateral or any interest therein; nor will any Pledgor
            create,
            incur or permit to exist any Lien whatsoever with respect to any of the
            Collateral or the proceeds thereof other than that created hereby. 

           

          (b)  Each
            Pledgor will, at its expense, defend Pledgee’s right, title and security
            interest in and to the Collateral against the claims of any other
            party.

           

          (c)  Each
            Pledgor shall at any time, and from time to time, upon the written request
            of
            Pledgee, execute and deliver such further documents and do such further
            acts and
            things as Pledgee may reasonably request in order to effectuate the purposes
            of
            this Agreement including, but without limitation, delivering to Pledgee,
            upon
            the occurrence of an Event of Default, irrevocable proxies in respect
            of the
            Collateral in form satisfactory to Pledgee. Until receipt thereof, upon
            an Event
            of Default that has occurred and is continuing beyond any applicable
            grace
            period, this Agreement shall constitute Pledgor’s proxy to Pledgee or its
            nominee to vote all shares of Collateral then registered in each Pledgor’s
            name.

           

          (d)  No
            Pledgor will consent to or approve the issuance of (i) any additional
            shares of
            any class of capital stock or other equity interests of the Issuer; or
            (ii) any
            securities convertible either voluntarily by the holder thereof or automatically
            upon the occurrence or nonoccurrence of any event or condition into,
            or any
            securities exchangeable for, any such shares, unless, in either case,
            such
            shares are pledged as Collateral pursuant to this Agreement.

           

          6.  Voting
            Rights and Dividends.
            In
            addition to the Pledgee’s rights and remedies set forth in Section 8 hereof, in
            case an Event of Default shall have occurred and be continuing beyond
            any
            applicable cure period, the Pledgee shall (i) be entitled to vote the
            Collateral, (ii) be entitled to give consents, waivers and ratifications
            in
            respect of the Collateral (each Pledgor hereby irrevocably constituting
            and
            appointing the Pledgee, with full power of substitution, the proxy and
            attorney-in-fact of each Pledgor for such purposes) and (iii) be entitled
            to
            collect and receive for its own use cash dividends paid on the Collateral.
            No
            Pledgor shall be permitted to exercise or refrain from exercising any
            voting
            rights or other powers if, in the reasonable judgment of the Pledgee,
            such
            action would have a material adverse effect on the value of the Collateral
            or
            any part thereof; and, provided,
            further,
            that
            each Pledgor shall give at least five (5) days’ written notice of the manner in
            which such Pledgor intends to exercise, or the reasons for refraining
            from
            exercising, any voting rights or other powers other than with respect
            to any
            election of directors and voting with respect to any incidental matters.
            Following the occurrence of an Event of Default, all dividends and all
            other
            distributions in respect of any of the Collateral, shall be delivered
            to the
            Pledgee to hold as Collateral and shall, if received by any Pledgor,
            be received
            in trust for the benefit of the Pledgee, be segregated from the other
            property
            or funds of any other Pledgor, and be forthwith delivered to the Pledgee
            as
            Collateral in the same form as so received (with any necessary
            endorsement).

           

          
            
              
              

            

            
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          7.  Event
            of Default.
            An
            Event of Default shall be deemed to have occurred and may be declared
            by the
            Pledgee upon the happening of any of the following events:

           

          (a)  An
“Event
            of Default” under any Document or any agreement or note related to any Document
            shall have occurred and be continuing beyond any applicable cure
            period;

           

          (b)  Any
            Pledgor shall default in the performance of any of its obligations under
            any
            agreement between any Pledgor and Pledgee, including, without limitation,
            this
            Agreement, and such default shall not be cured during any applicable
            cure
            period;

           

          (c)  Any
            representation or warranty of any Pledgor made herein, in any Document
            or in any
            agreement, statement or certificate given in writing pursuant hereto
            or thereto
            or in connection herewith or therewith shall be false or misleading in
            any
            material respect; 

           

          (d)  Any
            portion of the Collateral is subjected to a levy of execution, attachment,
            distraint or other judicial process or any portion of the Collateral
            is the
            subject of a claim (other than by the Pledgee) of a Lien or other right
            or
            interest in or to the Collateral and such levy or claim shall not be
            cured,
            disputed or stayed within a period of fifteen (15) business days after
            the
            occurrence thereof; or

           

          (e)  Any
            Pledgor shall (i) apply for, consent to, or suffer to exist the appointment
            of,
            or the taking of possession by, a receiver, custodian, trustee, liquidator
            or
            other fiduciary of itself or of all or a substantial part of its property,
            (ii)
            make a general assignment for the benefit of creditors, (iii) commence
            a
            voluntary case under any state or federal bankruptcy laws (as now or
            hereafter
            in effect), (iv) be adjudicated a bankrupt or insolvent, (v) file a petition
            seeking to take advantage of any other law providing for the relief of
            debtors,
            (vi) acquiesce to, or fail to have dismissed, within sixty (60) days,
            any
            petition filed against it in any involuntary case under such bankruptcy
            laws, or
            (vii) take any action for the purpose of effecting any of the
            foregoing.

           

          8.  Remedies.
            In case
            an Event of Default shall have occurred and been declared by the Pledgee,
            the
            Pledgee may: 

           

          (a)  Transfer
            any or all of the Collateral into its name, or into the name of its nominee
            or
            nominees;

           

          (b)  Exercise
            all corporate rights with respect to the Collateral including, without
            limitation, all rights of conversion, exchange, subscription or any other
            rights, privileges or options pertaining to any shares of the Collateral
            as if
            it were the absolute owner thereof, including, but without limitation,
            the right
            to exchange, at its discretion, any or all of the Collateral upon the
            merger,
            consolidation, reorganization, recapitalization or other readjustment
            of the
            Issuer thereof, or upon the exercise by the Issuer of any right, privilege
            or
            option pertaining to any of the Collateral, and, in connection therewith,
            to
            deposit and deliver any and all of the Collateral with any committee,
            depository, transfer agent, registrar or other designated agent upon
            such terms
            and conditions as it may determine, all without liability except to account
            for
            property actually received by it; and

           

          
            
              
              

            

            
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          (c)  Subject
            to any requirement of applicable law, sell, assign and deliver the whole
            or,
            from time to time, any part of the Collateral at the time held by the
            Pledgee,
            at any private sale or at public auction, with or without demand, advertisement
            or notice of the time or place of sale or adjournment thereof or otherwise
            (all
            of which are hereby waived, except such notice as is required by applicable
            law
            and cannot be waived), for cash or credit or for other property for immediate
            or
            future delivery, and for such price or prices and on such terms as the
            Pledgee
            in its sole discretion may determine, or as may be required by applicable
            law.

           

          Each
            Pledgor hereby waives and releases any and all right or equity of redemption,
            whether before or after sale hereunder. At any such sale, unless prohibited
            by
            applicable law, the Pledgee may bid for and purchase the whole or any
            part of
            the Collateral so sold free from any such right or equity of redemption.
            All
            moneys received by the Pledgee hereunder, whether upon sale of the Collateral
            or
            any part thereof or otherwise, shall be held by the Pledgee and applied
            by it as
            provided in Section 10 hereof. No failure or delay on the part of the
            Pledgee in
            exercising any rights hereunder shall operate as a waiver of any such
            rights nor
            shall any single or partial exercise of any such rights preclude any
            other or
            future exercise thereof or the exercise of any other rights hereunder.
            The
            Pledgee shall have no duty as to the collection or protection of the
            Collateral
            or any income thereon nor any duty as to preservation of any rights pertaining
            thereto, except to apply the funds in accordance with the requirements
            of
            Section 10 hereof. The Pledgee may exercise its rights with respect to
            property
            held hereunder without resort to other security for or sources of reimbursement
            for the Indebtedness. In addition to the foregoing, Pledgee shall have
            all of
            the rights, remedies and privileges of a secured party under the Uniform
            Commercial Code of New York (the “UCC”)
            regardless of the jurisdiction in which enforcement hereof is
            sought.

           

          9.  Private
            Sale.
            Each
            Pledgor recognizes that the Pledgee may be unable to effect (or to do
            so only
            after delay which would adversely affect the value that might be realized
            from
            the Collateral) a public sale of all or part of the Collateral by reason
            of
            certain prohibitions contained in the Securities Act, and may be compelled
            to
            resort to one or more private sales to a restricted group of purchasers
            who will
            be obliged to agree, among other things, to acquire such Collateral for
            their
            own account, for investment and not with a view to the distribution or
            resale
            thereof. Each Pledgor agrees that any such private sale may be at prices
            and on
            terms less favorable to the seller than if sold at public sales and that
            such
            private sales shall be deemed to have been made in a commercially reasonable
            manner. Each Pledgor agrees that the Pledgee has no obligation to delay
            sale of
            any Collateral for the period of time necessary to permit the Issuer
            to register
            the Collateral for public sale under the Securities Act.

           

          10.  Proceeds
            of Sale.
            The
            proceeds of any collection, recovery, receipt, appropriation, realization
            or
            sale of the Collateral shall be applied by the Pledgee as follows:

           

          
            
              
              

            

            
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          (a)  First,
            to
            the payment of all costs, reasonable expenses and charges of the Pledgee
            and to
            the reimbursement of the Pledgee for the prior payment of such costs,
            reasonable
            expenses and charges incurred in connection with the care and safekeeping
            of the
            Collateral (including, without limitation, the reasonable expenses of
            any sale
            or any other disposition of any of the Collateral), attorneys’ fees and
            reasonable expenses, court costs, any other fees or expenses incurred
            or
            expenditures or advances made by Pledgee in the protection, enforcement
            or
            exercise of its rights, powers or remedies hereunder;

           

          (b)  Second,
            to the payment of the Indebtedness, in whole or in part, in such order
            as the
            Pledgee may elect, whether or not such Indebtedness is then due;

           

          (c)  Third,
            to
            such persons, firms, corporations or other entities as required by applicable
            law including, without limitation, Section 9-615(a)(3) of the UCC;
            and

           

          (d)  Fourth,
            to the extent of any surplus to the Pledgors or as a court of competent
            jurisdiction may direct.

           

          In
            the
            event that the proceeds of any collection, recovery, receipt, appropriation,
            realization or sale are insufficient to satisfy the Indebtedness, each
            Pledgor
            shall be jointly and severally liable for the deficiency plus the costs
            and fees
            of any attorneys employed by Pledgee to collect such deficiency.

           

          11.  Waiver
            of Marshaling.
            Each
            Pledgor hereby waives any right to compel any marshaling of any of the
            Collateral.

           

          12.  No
            Waiver.
            Any and
            all of the Pledgee’s rights with respect to the Liens granted under this
            Agreement shall continue unimpaired, and Pledgor shall be and remain
            obligated
            in accordance with the terms hereof, notwithstanding (a) the bankruptcy,
            insolvency or reorganization of any Pledgor, (b) the release or substitution
            of
            any item of the Collateral at any time, or of any rights or interests
            therein,
            or (c) any delay, extension of time, renewal, compromise or other indulgence
            granted by the Pledgee in reference to any of the Indebtedness. Each
            Pledgor
            hereby waives all notice of any such delay, extension, release, substitution,
            renewal, compromise or other indulgence, and hereby consents to be bound
            hereby
            as fully and effectively as if such Pledgor had expressly agreed thereto
            in
            advance. No delay or extension of time by the Pledgee in exercising any
            power of
            sale, option or other right or remedy hereunder, and no failure by the
            Pledgee
            to give notice or make demand, shall constitute a waiver thereof, or
            limit,
            impair or prejudice the Pledgee’s right to take any action against any Pledgor
            or to exercise any other power of sale, option or any other right or
            remedy.

           

          13.  Expenses.
            The
            Collateral shall secure, and each Pledgor shall pay to Pledgee on demand,
            from
            time to time, all reasonable costs and expenses, (including but not limited
            to,
            reasonable attorneys’ fees and costs, taxes, and all transfer, recording, filing
            and other charges) of, or incidental to, the custody, care, transfer,
            administration of the Collateral or any other collateral, or in any way
            relating
            to the enforcement, protection or preservation of the rights or remedies
            of the
            Pledgee under this Agreement or with respect to any of the
            Indebtedness.

           

          
            
              
              

            

            
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          14.  The
            Pledgee Appointed Attorney-In-Fact and Performance by the
            Pledgee.
            Upon
            the occurrence of an Event of Default, each Pledgor hereby irrevocably
            constitutes and appoints the Pledgee as such Pledgor’s true and lawful
            attorney-in-fact, with full power of substitution, to execute, acknowledge
            and
            deliver any instruments and to do in such Pledgor’s name, place and stead, all
            such acts, things and deeds for and on behalf of and in the name of such
            Pledgor, which such Pledgor could or might do or which the Pledgee may
            deem
            necessary, desirable or convenient to accomplish the purposes of this
            Agreement,
            including, without limitation, to execute such instruments of assignment
            or
            transfer or orders and to register, convey or otherwise transfer title
            to the
            Collateral into the Pledgee’s name. Each Pledgor hereby ratifies and confirms
            all that said attorney-in-fact may so do and hereby declares this power
            of
            attorney to be coupled with an interest and irrevocable. If any Pledgor
            fails to
            perform any agreement herein contained, the Pledgee may itself perform
            or cause
            performance thereof, and any costs and expenses of the Pledgee incurred
            in
            connection therewith shall be paid by the Pledgors as provided in Section
            10
            hereof.

           

          15.  Waivers.
            THE
            PARTIES HERETO DESIRE THAT THEIR DISPUTES BE RESOLVED BY A JUDGE APPLYING
            SUCH
            APPLICABLE LAWS. THEREFORE, TO ACHIEVE THE BEST COMBINATION OF THE BENEFITS
            OF
            THE JUDICIAL SYSTEM AND OF ARBITRATION, THE PARTIES HERETO WAIVE ALL
            RIGHTS TO
            TRIAL BY JURY IN ANY ACTION, SUIT, OR PROCEEDING BROUGHT TO RESOLVE ANY
            DISPUTE,
            WHETHER ARISING IN CONTRACT, TORT, OR OTHERWISE BETWEEN PLEDGEE AND/OR
            ANY
            PLEDGOR ARISING OUT OF, CONNECTED WITH, RELATED OR INCIDENTAL TO THE
            RELATIONSHIP ESTABLISHED BETWEEN THEM IN CONNECTION WITH THIS AGREEMENT,
            ANY
            OTHER DOCUMENT OR THE TRANSACTIONS RELATED HERETO OR THERETO. 

           

          16.  Recapture.
            Notwithstanding anything to the contrary in this Agreement, if the Pledgee
            receives any payment or payments on account of the Indebtedness, which
            payment
            or payments or any part thereof are subsequently invalidated, declared
            to be
            fraudulent or preferential, set aside and/or required to be repaid to
            a trustee,
            receiver, or any other party under the United States Bankruptcy Code,
            as
            amended, or any other federal or state bankruptcy, reorganization, moratorium
            or
            insolvency law relating to or affecting the enforcement of creditors’ rights
            generally, common law or equitable doctrine, then to the extent of any
            sum not
            finally retained by the Pledgee, each Pledgor’s obligations to the Pledgee shall
            be reinstated and this Agreement shall remain in full force and effect
            (or be
            reinstated) until payment shall have been made to Pledgee, which payment
            shall
            be due on demand.

           

          17.  Captions.
            All
            captions in this Agreement are included herein for convenience of reference
            only
            and shall not constitute part of this Agreement for any other
            purpose.

           

          
            
              
              

            

            
              8

              
                

              

            

            
              
              

            

          

           

          18.  Miscellaneous.

           

          (a)  This
            Agreement constitutes the entire and final agreement among the parties
            with
            respect to the subject matter hereof and may not be changed, terminated
            or
            otherwise varied except by a writing duly executed by the parties
            hereto.

           

          (b)  No
            waiver
            of any term or condition of this Agreement, whether by delay, omission
            or
            otherwise, shall be effective unless in writing and signed by the party
            sought
            to be charged, and then such waiver shall be effective only in the specific
            instance and for the purpose for which given.

           

          (c)  In
            the
            event that any provision of this Agreement or the application thereof
            to any
            Pledgor or any circumstance in any jurisdiction governing this Agreement
            shall,
            to any extent, be invalid or unenforceable under any applicable statute,
            regulation, or rule of law, such provision shall be deemed inoperative
            to the
            extent that it may conflict therewith and shall be deemed modified to
            conform to
            such statute, regulation or rule of law, and the remainder of this Agreement
            and
            the application of any such invalid or unenforceable provision to parties,
            jurisdictions, or circumstances other than to whom or to which it is
            held
            invalid or unenforceable shall not be affected thereby, nor shall same
            affect
            the validity or enforceability of any other provision of this
            Agreement.

           

          (d)  This
            Agreement shall be binding upon each Pledgor, and each Pledgor’s successors and
            assigns, and shall inure to the benefit of the Pledgee and its successors
            and
            assigns.

           

          (e)  Any
            notice or other communication required or permitted pursuant to this
            Agreement
            shall be given in accordance with the Securities Purchase Agreement.
            

           

          (f)  This
            Agreement and the other Documents shall be governed by and construed
            and
            enforced in accordance with the laws of the State of New York applicable
            to
            contracts made and performed in such State, without regard to principles
            of
            conflicts of law.

           

          (g)  EACH
            PLEDGOR HEREBY CONSENTS AND AGREES THAT THE STATE OR FEDERAL COURTS LOCATED
            IN
            THE COUNTY OF NEW YORK, STATE OF NEW YORK SHALL HAVE EXCLUSIVE JURISDICTION
            TO
            HEAR AND DETERMINE ANY CLAIMS OR DISPUTES BETWEEN ANY PLEDGOR, ON THE
            ONE HAND,
            AND THE PLEDGEE, ON THE OTHER HAND, PERTAINING TO THIS AGREEMENT OR ANY
            OF THE
            OTHER DOCUMENTS OR TO ANY MATTER ARISING OUT OF OR RELATED TO THIS AGREEMENT
            OR
            ANY OF THE OTHER DOCUMENTS, PROVIDED,
            THAT
            EACH PLEDGOR ACKNOWLEDGES THAT ANY APPEALS FROM THOSE COURTS MAY HAVE
            TO BE
            HEARD BY A COURT LOCATED OUTSIDE OF THE COUNTY OF NEW YORK, STATE OF
            NEW YORK;
            AND FURTHER PROVIDED,
            THAT
            NOTHING IN THIS AGREEMENT SHALL BE DEEMED OR OPERATE TO PRECLUDE THE
            PLEDGEE
            FROM BRINGING SUIT OR TAKING OTHER LEGAL ACTION IN ANY OTHER JURISDICTION
            TO
            COLLECT THE INDEBTEDNESS, TO REALIZE ON THE COLLATERAL OR ANY OTHER SECURITY
            FOR
            THE INDEBTEDNESS, OR TO ENFORCE A JUDGMENT OR OTHER COURT ORDER IN FAVOR
            OF THE
            PLEDGEE. EACH PLEDGOR EXPRESSLY SUBMITS AND CONSENTS IN ADVANCE TO SUCH
            JURISDICTION IN ANY ACTION OR SUIT COMMENCED IN ANY SUCH COURT, AND EACH
            PLEDGOR
            HEREBY WAIVES ANY OBJECTION WHICH IT MAY HAVE BASED UPON LACK OF PERSONAL
            JURISDICTION, IMPROPER VENUE OR FORUM
            NON CONVENIENS.
            EACH
            PLEDGOR HEREBY WAIVES PERSONAL SERVICE OF THE SUMMONS, COMPLAINT AND
            OTHER
            PROCESS ISSUED IN ANY SUCH ACTION OR SUIT AND AGREES THAT SERVICE OF
            SUCH
            SUMMONS, COMPLAINT AND OTHER PROCESS MAY BE MADE BY REGISTERED OR CERTIFIED
            MAIL
            ADDRESSED TO SUCH PLEDGOR AT THE ADDRESS SET FORTH IN THE
            SECURITIES PURCHASE AGREEMENT
            AND THAT
            SERVICE SO MADE SHALL BE DEEMED COMPLETED UPON THE EARLIER OF SUCH PLEDGOR’S
            ACTUAL RECEIPT THEREOF OR THREE (3) DAYS AFTER DEPOSIT IN THE U.S. MAILS,
            PROPER
            POSTAGE PREPAID.

           

          
            
              
              

            

            
              9

              
                

              

            

            
              
              

            

          

           

          (h)  It
            is
            understood and agreed that any person or entity that desires to become
            a Pledgor
            hereunder, or is required to execute a counterpart of this Agreement
            after the
            date hereof pursuant to the requirements of any Document, shall become
            a Pledgor
            hereunder by (x) executing a Joinder Agreement in form and substance
            satisfactory to the Pledgee, (y) delivering supplements to such exhibits
            and annexes to such Documents as the Pledgee shall reasonably request
            and (z)
            taking all actions as specified in this Agreement as would have been
            taken by
            such Pledgor had it been an original party to this Agreement, in each
            case with
            all documents required above to be delivered to the Pledgee and with
            all
            documents and actions required above to be taken to the reasonable satisfaction
            of the Pledgee.

           

          (i)  This
            Agreement may be executed in one or more counterparts, each of which
            shall be
            deemed an original and all of which when taken together shall constitute
            one and
            the same agreement. Any signature delivered by a party by facsimile transmission
            shall be deemed an original signature hereto.

           

          [Remainder
            of Page Intentionally Left Blank]

           

           

           

           

          
            
              
              

            

            
              10

              
                

              

            

            
              
              

            

          

           

          IN
            WITNESS WHEREOF, the parties have duly executed this Agreement as of
            the day and
            year first written above.

           

          
            	 	 	 
	 	PATIENTS
&
                    PHYSICIANS, INC.
	 
 	 
 	 
 
	 	By:  	
                    /S/
                      Fred F.
                      Nazem

                  
	 	Name:	
                    
                      
 
Fred
                      F. Nazem

                  
	 	Title 	  CEO

          

           

          
            	 	 	 
	 	LAURUS
                    MASTER
                    FUND, LTD.
	 
 	 
 	 
 
	 	By:  	
                    /S/
                      David
                      Grin

                  
	 	Name:	
                    
 
David
                    Grin
	 	Title 	  Director

          

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

           

          SCHEDULE
            A
            to the
            Stock Pledge Agreement

           

          Pledged
            Stock

          
            	
                    Pledgor

                  	
                    Issuer

                  	
                    Class
                      of Stock

                  	
                    Stock
                      Certificate Number

                  	
                    Par
                      Value

                  	
                    Number
                      of Shares

                  
	
                    Patients
                      & Physicians, Inc.

                  	
                    Flagship
                      Patient Advocates, Inc. 

                  	
                    Common

                  	
                    62

                  	
                    $.001

                  	
                    100Exhibit
          10.6

      

       

      INDIVIDUAL
        REAFFIRMATION AND RATIFICATION AGREEMENT

       

      August
        22, 2006

       

      Laurus
        Master Fund, Ltd.

      c/o
        Laurus Capital Management LLC

      825
        Third
        Avenue

      New
        York,
        New York 10022

       

      Ladies
        and Gentlemen:

       

      Reference
        is made to (a) the Limited Guaranty, dated as of January 30, 2006 (as amended,
        restated, modified or supplemented from time to time, the “Nazem Guaranty”),
        entered into by Fred F. Nazem in favor of Laurus Master Fund, Ltd. (“Laurus”),
        (b) the Limited Guaranty, dated as of January 30, 2006 (as amended, restated,
        modified or supplemented from time to time, the “Flood Guaranty”), entered into
        by John H. Flood III in favor of Laurus, (c) the Limited Guaranty, dated
        as of
        January 30, 2006 (as amended, restated, modified or supplemented from time
        to
        time, the “Diamond Guaranty”), entered into by Jack Diamond in favor of Laurus,
        (d) the Limited Guaranty, dated as of January 30, 2006 (as amended, restated,
        modified or supplemented from time to time, the “C. Moody Guaranty”), entered
        into by Christopher Moody in favor of Laurus and (e) the Limited Guaranty,
        dated
        as of January 30, 2006 (as amended, restated, modified or supplemented from
        time
        to time, the “N. Moody Guaranty”), entered into by Neil Moody in favor of Laurus
        (the Nazem Guaranty, the Flood Guaranty, the Diamond Guaranty, the C. Moody
        Guaranty and the N. Moody Guaranty, each an “Existing Guaranty” and
        collectively, the “Existing Guaranties”).

       

      In
        consideration for the loan made by Laurus to Flagship Patient Advocates,
        Inc.
        (f/k/a Flagship Healthcare Management, Inc.), a Delaware corporation
        (“Flagship”), pursuant to an Amended and Restated Securities Purchase Agreement,
        dated as of the date hereof (as amended, restated, modified or supplemented
        from
        time to time, the “Purchase Agreement”) among Patients & Physicians, Inc.
        (f/k/a Finity Holdings, Inc.), a Delaware corporation (“Patients”), Flagship and
        Laurus, under which loans the undersigned has derived or expects to derive
        a
        financial advantage, each of the undersigned hereby: 

       

      (a)  represents
        and warrants to Laurus that he has reviewed and approved the terms and
        provisions of the Purchase Agreement and the Related Agreements (as defined
        in
        the Purchase Agreement; such Related Agreements collectively with the Purchase
        Agreement, the “August 2006 Agreements”); 

       

      (b)  acknowledges,
        ratifies and confirms that all of the terms, conditions, representations
        and
        covenants contained in the Existing Guaranty to which he is a party are in
        full
        force and effect and shall remain in full force and effect after giving effect
        to the execution and effectiveness of the August 2006 Agreements;

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      (c)  acknowledges,
        ratifies and confirms that (i) the defined term “Obligations” under the Existing
        Guaranty to which he is a party includes, without limitation, all obligations
        and liabilities of each of Flagship and Patients under the August 2006
        Agreements (including interest accruing after the filing of any petition
        in
        bankruptcy, or the commencement of any insolvency, reorganization or like
        proceeding, whether or not a claim for post-filing or post-petition interest
        is
        allowed or allowable in such proceeding), whether now existing or hereafter
        arising, direct or indirect, liquidated or unliquidated, absolute or contingent
        (collectively, the “Obligations”), (ii) all of the Obligations are secured by
        his Security Interest Grant (as defined below) and (iii) all of the Obligations
        benefit directly from the Existing Guaranty to which he is a party;

       

      (d)  acknowledges
        and confirms that (i) the occurrence of an Event of Default under any of
        the
        August 2006 Agreements shall constitute an event of default under the Existing
        Guaranty to which he is a party and (ii) the occurrence of an event of default
        under the Existing Guaranty to which he is a party shall constitute an Event
        of
        Default under the August 2006 Agreements;

       

      (e)  represents
        and warrants that no offsets, counterclaims or defenses exist as of the date
        hereof with respect to any of the undersigned’s obligations under the Existing
        Guaranty to which he is a party;

       

      (f)  acknowledges,
        ratifies and confirms (i) his grant to Laurus of a security interest and
        lien in
        the assets more specifically set forth in the Existing Guaranty to which
        he is a
        party (the “Security Interest Grant”) and (ii) that his Security Interest Grant
        (A) shall not be impaired, limited or affected in any manner whatsoever by
        the
        effectiveness of the August 2006 Agreements and (B) secures all Obligations;
        and

       

      (g)  releases,
        remises, acquits and forever discharges Laurus and Laurus’ employees, agents,
        representatives, consultants, attorneys, fiduciaries, officers, directors,
        partners, predecessors, successors and assigns, subsidiary corporations,
        parent
        corporations, and related corporate divisions (all of the foregoing hereinafter
        called the “Released Parties”), from any and all actions and causes of action,
        judgments, executions, suits, debts, claims, demands, liabilities, obligations,
        damages and expenses of any and every character, known or unknown, direct
        and/or
        indirect, at law or in equity, of whatsoever kind or nature, for or because
        of
        any matter or things done, omitted or suffered to be done by any of the Released
        Parties prior to and including the date of execution hereof, and in any way
        directly or indirectly arising out of or in any way connected to this
        Reaffirmation and Ratification Agreement, the Existing Guaranty to which
        he is a
        party, the August 2006 Agreements and any other document, instrument or
        agreement made by him in favor of Laurus.

       

      [The
        remainder of this page intentionally left blank.]

       

       

       

       

      
        
          
          

        

        
          2

          
            

          

        

        
          
          

        

      

       

      This
        agreement shall be governed by and construed in accordance with the laws
        of the
        State of New York.

       

      Very
        truly yours,

       

       
        /S/ Fred F.
        Nazem           

      FRED
        F.
        NAZEM

       

      Address:
        44 E. 73rd
        Street

      New
        York,
        NY 10021

      Telephone
        No.: 212-570-6757

      Facsimile
        No.: 212-340-9101

       

       
        /S/ John H. Flood
        III         

      JOHN
        H.
        FLOOD III

       

      Address:431
        Hillside Ave.

      Westfield,
        NJ 07090

      Telephone
        No.: 908-303-5776

      Facsimile
        No.: 212-499-2301

       

       
        /S/ Jack
        Diamond            

      JACK
        DIAMOND

       

      Address:

      c/o
        Brennan, Manna & Diamond

      75
        East
        Market

      Akron,
        OH
        44308

      Telephone
        No.: 330-253-1820

      Facsimile
        No.: 330-253-1824

       

       
        /S/ Christopher Moody    

      CHRISTOPHER
        MOODY

       

      Address:
        1618 Main Street

      Sarasota,
        FL 34236

      Telephone
        No.: 941-366-0975

      Facsimile
        No.: 941-365-7612

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

       
        /S/ Neil
        Moody             
 

      NEIL
        MOODY

       

      Address:
        1618 Main Street

      Sarasota,
        FL 34236

      Telephone
        No.: 941-366-0975

      Facsimile
        No.: 941-365-7612

       

      ACCEPTED
        AND AGREED TO:

       

      LAURUS
        MASTER FUND, LTD.

       

      By:  /S/
        David
        Grin                           

      Name:
        David Grin

      Title:
        Director

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