Document:

CVS Contract

 Exhibit 10.1 – CVS Pharmacy, Inc. Contract 
  
 Agreement for Promotion, Fulfillment and Distribution 
 Of CVS Health Savings Pass/Alliance HealthCard 
  
 This AGREEMENT (the “Agreement”), by and between Alliance HealthCard (“AHC”) a Georgia corporation, located at 3500 Parkway Lane,
Suite 310, Norcross GA 30092 and CVS PHARMACY, INC., a Rhode Island corporation (“CVS”), for itself and as agent for and binding upon its Affiliates, located at One CVS Drive, Woonsocket, RI 02895 (referred to as “CVS”), (the
“Parties”) is made and entered into as of the latest of the signature dates set forth on the signature page below and shall be effective as of such date (the “Effective Date”). 
  
 WHEREAS, CVS is a leading drugstore and pharmacy chain with over 4,100
stores located in the United States. CVS owns and operates a site on the World Wide Web that can be located by using the following URL, http://www.CVS.com/ (referred to herein as “CVS.com“). 
  
 WHEREAS, AHC is in the business of providing network services,
administration and customer support programs, and desires to contract with CVS for the retail distribution of co-branded health card programs. 
  
 AND, WHEREAS, CVS and AHC wish to enter into an agreement to provide for the distribution of the Program to CVS customers. 
  
 TERMS 
  

	1.	The Co-Branded Program  

  
 AHC shall offer and sell a multi-service discount health card “Health Savings Pass” program (the “Program”) to
customers of CVS through its chain of retail pharmacies, and to offer a co-branded program for discounted health services as shown in Exhibit A. The parties hereby agree that any changes in pricing or services offered in connection with the Program
shall require the parties to execute a written amendment to this agreement. 
  

	2.	Obligations and Expenses of AHC  

  

	a.	Maintain and develop provider networks 

  

	b.	Provide fulfillment kit materials including membership card, member guide, and provider directory for all new subscribers 

  

	c.	Provide member support including 800 inbound number, customer enrollment in the service questions 

  

	d.	Enroll mail in application customers in the program 

  

	e.	Provide monthly credit card billing and renewals (annual) 

  

	f.	Provide weekly electronic eligibility files 

  

	g.	Provide reports on call center activity, renewals, cancellations, membership fee payment tail and other membership information 

  

	h.	Provide customer support including 800 inbound number, and respond to all Program questions. Refer all pharmacy related clinical questions to the CVS Pharmacy helpdesk.

  

	i.	Provide cash discounts on healthcare services detailed in Exhibit A 

  

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	3.	Obligations and Expenses of CVS 

  

	 	a.	Offer the Program (with membership card) for sale at the pharmacy counter at CVS locations, as feasible; 

  

	 	b.	Advertise and promote the Program; 

  

	 	c.	Re-price prescription drugs through a prescription benefit management affiliate 

  

	 	d.	Electronically send member eligibility data to AHC; 

  

	 	e.	Collect funds from member for in store Program applications completed at pharmacy location 

  

	 	f.	Handle all clinical related pharmacy questions 

  

	 	g.	Provide cash discounts on prescriptions to all Program members 

  

	4.	Exclusivity 

  

	4.1	During the term of this Agreement, AHC agrees to use CVS as the exclusive pharmacy provider for the Program or any similar program in all geographic markets where CVS has at least
one retail pharmacy or has announcement plans to operate stores therein. 

  

	4.2	During the term of this Agreement, CVS agrees to contract exclusively with AHC as the provider of network services for the Program. 

  

	5	AHC Change of Ownership  

  
 5.1 Right of First Refusal 
  
 If AHC receives a written offer that would result in a change in actual or beneficial ownership of more than 49% of its voting stock in one or more
related transactions, CVS will have the first right of refusal to match the offer price. AHC will notify CVS of such offer in writing via registered mail and CVS will have ten (10) days to match such offer. Failure of CVS to respond in writing
within ten (10) days of receipt of the notice will mean that CVS approves AHC to complete the original transaction offer; provided, however, that nothing contained herein shall affect CVS’s right to terminate this agreement pursuant to Section
7.3(3) below in the event the offer involves a competing entity (as defined in Section 7.3). 
  
 5.2 Merger  
  
 If AHC intends to merge with or sell its stock to a non-competing entity (as defined in Section 7.3 below) such that AHC would have less than 51%
ownership of its voting stock, AHC shall notify CVS of the potential transaction in writing via registered mail and CVS will have the right to approve the potential transaction. CVS will not unreasonably withhold its approval. If CVS fails to
respond in writing within 10 days of receipt of the notice of a potential merger or sale of stock, the potential transaction shall be deemed as approved. 
  

	6.	Revenue Sharing and other Compensation  

  
 Revenue sharing and other compensation between the parties is defined in Exhibit B. 
  
 6.1 CVS Reports and Payment CVS will remit payment to AHC for
all enrollment fees collected at each pharmacy along with supporting member documentation on a monthly basis. Payment shall include total pharmacy enrollment receipts collected for the calendar month. Payment shall be made by the 15th day of the following month pursuant to the revenue model shown in Exhibit B. 
  
 6.2 AHC Reports and Payment AHC will remit payment to CVS for
all enrollment fees with supporting member documentation on a monthly basis. Payment shall include total enrollment fees collected for the calendar month less refunds and adjustments. Payment will be made by the 15th day of the following month pursuant to the revenue model as shown in Exhibit B. 
  

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 6.3 Refunds and Adjustments AHC will make appropriate enrollment fee refunds to members for
the 30 day free trial within 30 days. AHC will make appropriate accounting adjustments such as credit card charge backs, insufficient fund checks, credit card fees, and other fees on a monthly basis. These refunds and adjustments will be reported
and accounted for in the monthly payment made to CVS by AHC. 
  
 6.4 Incentive Payment to CVS AHC agrees to pay CVS an incentive based on membership sales volume. The incentive will be paid quarterly by the 15th day of the month following the last calendar day of each quarter pursuant to the revenue model shown in Exhibit B.  
  

	7.	Term and Termination 

  
 7.1 Term. The term of this Agreement shall begin upon the Effective Date and shall continue for three years (the “Term”). 
  
 7.2 Extension of Term. This Agreement will automatically renew for an
additional Term unless either party delivers 180 days written cancellation prior to the end of the original Term, or any renewal Term. 
  
 7.3 Termination/Withdrawal. 
  

	 	a.	Either Party may terminate this Agreement upon thirty (30) days notice if: 

  
 (1) the other Party commits a material breach of this Agreement that is not cured within forty-five (45) days after an initial written
notice of the material breach is delivered to the breaching Party from the other Party; 
  
 (2) the other Party files a petition for bankruptcy or is adjudicated a bankrupt, or a petition in bankruptcy is filed against the other
Party and such petition is not dismissed within ninety (90) calendar days, or the other Party becomes insolvent or makes an assignment for the benefit of its creditors or an arrangement for its creditors pursuant to any bankruptcy law or the other
Party discontinues its business or a receiver is appointed for other Party or its business; or 
  
 (3) 
  

	 	b.	CVS may terminate this Agreement upon thirty (30) days notice: 

  
 (1) If AHC fails to make any payment due hereunder within thirty (30) days of written notice as provided herein that a payment was not received when due
and such failure is not due to the fault or breach of CVS or any of its Affiliates. 
  
 (2) AHC merges with or sells more than 40% of its voting stock or beneficial ownership to a “Competing Entity” of CVS. “Competing Entity” shall be defined as any entity that operates any retail,
Internet or mail service pharmacy franchise, chain or business. 
  
 7.4 Survival. Those provisions of this Agreement which by their nature extend beyond termination or expiration will survive and remain in effect until all obligations thereunder are satisfied, specifically provisions dealing with
confidentiality, title, indemnification, limitation of liability and payment of fees shall survive such termination or expiration. 
  

	8.	IP Rights and Control 

  

	8.1	AHC Grant of License. AHC hereby grants CVS a worldwide, non-exclusive license during the Term and any extensions thereof to display AHC’s trademarks, logos, service
marks and other graphical items in the form, and format and style guidelines provided by AHC(“AHC IP Materials”) on CVS.com and as otherwise set forth herein. Any other use or display of AHC IP Materials by CVS shall require the prior
written consent of AHC. 

  

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	8.2	CVS Grant of License. CVS hereby grants AHC a worldwide, non-exclusive license during the Term and any extensions thereof to display CVS’s trademarks, logos, service
marks and other graphical items in the form, and format and style guidelines provided by CVS, (“CVS IP Materials”) and as otherwise set forth herein. Any other use or display of CVS IP Materials by AHC shall require the prior written
consent of CVS 

  
 8.3 Ownership of Intellectual Property by
CVS. AHC acknowledges that, as between it and CVS, CVS owns or is the licensee of, all right, title and interest in and to all CVS’ trademarks, logos, service marks and other graphical items in the form, and format and style guidelines
provided by CVS (“CVS IP Materials”) as of the Effective Date of this Agreement, including the CVS trademarks, except for any AHC IP Materials displayed on such site. AHC understands and agrees that its use of any of the foregoing CVS IP
Materials in connection with this Agreement shall not create in it any right, title or interest, in or to such property, and that all such use and goodwill associated with any such use of the CVS IP materials shall inure to the benefit of CVS.

  
 8.4 Ownership of Intellectual Property by AHC. CVS acknowledges that,
as between it and AHC, AHC owns or is the licensee of, all right, title and interest in and to all IP Rights contained in the AHC IP Materials, including the AHC trademarks, except for any CVS trademarks displayed on such AHC IP Materials or the
Co-Branded site. CVS understands and agrees that its use of any of the foregoing AHC property in connection with this Agreement shall not create in it any right, title or interest, in or to such property, and that all such use and goodwill
associated with any such use of the AHC IP materials shall inure to the benefit of AHC. 
  
 8.5 Trademark Quality Control. Each Party’s use of the other’s trademarks on each Parties website and other materials and co-branded items shall be in accordance with such Party’s policies regarding trademark usage. In
the event that a Party determines that its trademarks are being used by the other Party in a manner that is inconsistent with its standards and reasonably demonstrates such inconsistency to the other Party, such other Party shall within thirty (30)
days thereafter cure such inconsistency; provided, however, that if either Party does not cure such inconsistency within such period, such Party shall be in breach of this Agreement. Each of the Parties hereto shall use the other Party’s logos
and/or trademarks in accordance with each Parties’ respective trademark and/or logo usage policies and in furtherance of the purposes of this agreement 
  
 8.6 Protection of Rights and Withdrawal. Each Party may cease use of any IP Materials of the other Party if the Party, in its sole discretion, determines that use,
display, transmission, or distribution of such the IP Materials of the other Party would (i) violate or infringe the copyright, trademark or other rights of any third party, or any other law, court order, Governmental Regulation or other ruling of
any governmental agency or entity, (ii) subject the Party to any liability, (iii) jeopardize the Party’s ability to protect its rights or its property in the manner deemed appropriate by that Party, or (v) violate any other rights of a third
party. 
  
 8.7 Editorial Control. CVS shall maintain sole and absolute
editorial and business control and discretion over the design aspects, substance and selection of all data and material for the Program and all services available. 
  

	9.	Confidentiality 

  
 9.1 The parties hereby agree to be bound by the confidentiality and non-disclosure agreement attached hereto as Attachment A and incorporated by reference
herein. 
  
 9.2 Announcements. No disclosure
concerning the details of this Agreement or the transactions contemplated hereby will be made by either Party without the prior written approval of the other, except to their respective representatives who are under an obligation of confidentiality
or as may be required by law. Either party may announce that a relationship has been formed to market a co-branded HealthCard. The parties agree to work with each other regarding announcements and press releases. 
  
 9.3 CVS Data Ownership. CVS shall own all data generated from
the Program including all member and/or patient specific information generated by the Program application or the Program execution. AHC shall maintain the Program’s toll free number, but agrees that all rights to own or control the
programs’ toll free number are reserved by and shall revert to CVS during the term of this agreement, any extension of this agreement and after expiration or termination of this agreement. 
  

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	10.	Warranties & Indemnification 

  
 10.1 AHC Warranties. AHC represents and warrants that AHC will provide services in a good and workmanlike manner and that the following performance
standards are satisfied throughout the term of the agreement: 
  
 10.2 Mutual Representations and Warranties. Each Party hereby represents and warrants to the other Party that: 
  
 a. It is a corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation and has all the
necessary power and authority (i) to conduct its business in the manner in which its business is currently being conducted, (ii) to own and use its assets in the manner in which its assets are currently owned and used, and (iii) to enter into this
Agreement and perform its obligations under this Agreement; and 
  
 b. Its execution and delivery of this Agreement, and the performance of its obligations and duties hereunder, do not and will not (i) conflict with or result in any breach of any provision of its certificate of incorporation or by-laws,
(ii) require any filing with, or permit, authorization, consent or approval of, any Governmental Body, (iii) result in a violation or breach of, or constitute a default (or give rise to any right of termination, cancellation or acceleration) under,
any terms, conditions or provisions of any note, bond, mortgage, indenture, lease, license, contract, agreement or other instrument or obligation to which it is a Party or by which any of its properties or assets may be bound, (iv) violate any
order, writ, injunction, decree, or Law applicable to it, 
  
 10.3
Infringement Indemnification by AHC. 
  
 a. AHC will
defend or settle any claim against CVS, (or third parties to whom CVS is authorized by AHC to resell or sublicense), that the Program delivered under this Agreement infringes a patent, copyright, trade secret, or trademark in the country where the
Program is used or sold, provided CVS: 
  
 (1) Promptly notifies
AHC in writing; and 
  
 (2) Cooperates with AHC in, and grants AHC
sole control of the defense or settlement. 
  
 b. AHC will pay
infringement claim defense costs (including reasonable attorney and other professional fees), settlement amounts and court-awarded damages. If such a claim appears likely, AHC may modify the Program, procure any necessary license, or replace it.

  
 10.4 AHC Liability Indemnification. AHC will indemnify
and hold harmless CVS against all claims, losses, actual damages (and not special or consequential damages), liabilities, costs, and expenses, including interest, penalties, cost of investigation and defense, and reasonable attorneys’ and other
professional fees and expenses to the extent such claims, losses and damages are due to a defect in the Program supplied hereunder or any materials, labeling, instructions, training or other materials approved or provided by AHC. AHC’s
obligation of defense and indemnification hereunder shall include claims, losses or damages arising from the Customer Services provided by CVS so long as the actions of CVS were in accordance the training provided by AHC and/or materials approved by
AHC. 
  
 CVS shall promptly notify AHC in writing of any claim for
indemnification; provided, however, that failure to give such notice shall not relieve AHC of any liability hereunder (except to the extent AHC has suffered actual material prejudice by such failure). CVS shall tender sole defense and control of
such claim to AHC. CVS shall, if requested by AHC, give reasonable assistance to AHC in defense of any claim. AHC shall reimburse the CVS for any reasonable legal expenses directly incurred from providing such assistance, as such expenses are
incurred. 
  
 AHC shall have the right to consent to the entry of
judgment with respect to, or otherwise settle, an indemnified claim with the prior written consent of CVS, which consent shall not be unreasonably withheld; provided, however, that CVS may withhold its consent if any such judgment or settlement
imposes any unreimbursed monetary or continuing non-monetary obligation on CVS or does not include an unconditional release of CVS and its Affiliates from all liability in respect of claims that are the subject matter of the indemnified claim.

  

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 10.5 Remedies Cumulative. 
  
 Except as otherwise expressly specified herein, the rights and remedies granted to each Party under this Agreement are
cumulative and in addition to, and not in lieu of, any other rights or remedies that such Party has under the express terms of this Agreement. 
  

	11.	Limitation of Liability 

  
 EXCEPT IN THE EVENT OF INTENTIONAL WRONGDOING OR A CLAIM PURSUANT TO INDEMNIFICATION OBLIGATIONS HEREIN, IN NO EVENT SHALL A PARTY TO THIS AGREEMENT BE
LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOST PROFITS, IN ANY WAY ARISING OUT OF OR RELATING TO THIS AGREEMENT, EVEN IN THE EVENT SUCH PARTY HAS BEEN ADVISED AS TO THE POSSIBILITY OF
SUCH DAMAGES. 
  

	12.	Insurance 

  
 Throughout the Term, each Party shall procure and maintain at its own expense, insurance, naming the other Party as an additional insured and an
additional loss payee which insurance must be satisfactory to other Party of the following types and in the following amounts: at least $3 million in general liability insurance. All insurance to be maintained by a Party under this Article 12 shall
be with companies licensed to do business in the states in which the parties do business. Each Party shall furnish to the other Party, upon request, certificates of insurance or other appropriate documentation (including evidence of renewal of
insurance) evidencing all coverage referenced in this Article. Such certificates or other documentation will include a provision whereby thirty (30) days’ notice must be received by the other Party prior to cancellation or material alteration
of the coverage by either a Party or the insurer in question. 
  

	15.	Miscellaneous 

  
 15.1 No Joint Venture. The sole relationship between the Parties shall be that of independent contractors. No partnership, joint venture, or other
formal business relationship is hereby created between the Parties hereto. Neither Party shall make any warranties or representations, or assume or create any obligations, on the other Party’s behalf except as may be expressly permitted
hereunder or in writing by such other Party. Each Party shall be solely responsible for the actions of all their respective employees, agents and representatives. 
  
 15.2 Governing Law. This Agreement shall be interpreted and construed in accordance with the laws of the State of
Rhode Island, without regard to the principles of conflicts of laws, and with the same force and effect as if fully executed and performed therein, and the laws of the United States of America. 
  
 15.3 Amendment or Modification. This Agreement may not be amended,
modified or supplemented by the Parties in any manner, except by an instrument in writing signed on behalf of each of the Parties by a duly authorized officer or representative. 
  
 15.4 No Assignment. CVS may transfer or assign any rights or delegate any obligations hereunder to an affiliate of
CVS, in whole or in part. Otherwise, neither party shall transfer or assign any rights or delegate any obligations hereunder to any third party in whole or in part, whether voluntarily or by operation of law. Any purported transfer, assignment or
delegation by either Party (except with respect to an Affiliate of the Party) shall be null and void and of no force or effect. An assignment will not relieve a Party to this Agreement of any obligations under this Agreement. Except as otherwise
provided in this Agreement, neither Party shall have the right to assign this Agreement and the obligations hereunder to any successor of such Party by way of merger, consolidation, reorganization, or the acquisition of substantially all of the
business and assets of the assigning Party relating to the Agreement. 
  

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 15.5 Notices. Any notice or other communication to be given hereunder shall be in writing and
shall be (as elected by the Party giving such notice): (i) personally delivered; (ii) transmitted by postage prepaid registered or certified mail, return receipt requested; (iii) deposited prepaid with a nationally recognized overnight courier
service; or (iv) sent by facsimile. Unless otherwise provided herein, all notices shall be deemed to have been duly given on: (a) the date of receipt (or if delivery is refused, the date of such refusal) if delivered personally or by courier; (b)
three (3) days after the date of posting if transmitted by mail; or (c) if transmitted by facsimile, the date a confirmation of transmission is received. Either Party may change its address for purposes hereof on not less than three (3) days prior
notice to the other Party. Notices hereunder shall be directed to, unless otherwise instructed by the receiving Party: 
  
 If to CVS, to: 
  
 CVS Pharmacy, Inc. 
 One CVS Drive 

Woonsocket, RI 02895 
 Attn: Senior Vice
President, Healthcare Services 
  
 With a copy to: 
  
 CVS Corporation 
 One CVS Drive 
 Woonsocket, RI 02895

 Attn: General Counsel 
  
 If to AHC, to: 
  
 Alliance HealthCard, Inc. 
 3500 Parkway Lane
Suite 310 
 Norcross, GA 30092 
 Attention: President 
  
 With a copy to: 
  
 Hunton and Williams 
 600 Peachtree St., Suite 4100 
 Atlanta, GA
30308 
 Attention: Dan Kennedy 
  
 15.6 Entire Agreement/Force Majeure. This Agreement represents the entire agreement of the Parties with respect to the subject matter hereof
and supersedes all prior and/or contemporaneous agreements and understandings, written or oral between the Parties with respect to the subject matter hereof. 
  
 Neither Party shall be liable for any delay or failure to perform hereunder if such failure or delay is due to a force beyond its control (“force
majeure”) such as flood, pestilence, war, insurrection, shortage of supplies, labor actions, and the like, so long as performance is resumed promptly after the conclusion of the force majeure event. 
  
 15.7. Waiver. Any of the provisions of this Agreement may be waived by
the Party entitled to the benefit thereof. Neither Party shall be deemed, by any act or omission, to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the waiving Party, and then only to the extent
specifically set forth in such writing. A waiver with reference to one event shall not be construed as continuing or as a bar to or waiver of any right or remedy as to a subsequent event. 
  
 15.8. No Third Party Beneficiaries. Nothing express or implied in this Agreement is intended to confer, nor shall
anything herein confer, upon any Person other than the Parties and the respective permitted successors or assigns of the Parties, any rights, remedies, obligations or liabilities whatsoever. 
  
 15.9. Fees and Expenses. Each Party shall be responsible for the
payment of its own costs and expenses, including attorney’s fees and expenses, in connection with the negotiation and execution of this Agreement. 
  
 15.10. Severability. If the application of any provisions of this Agreement to any particular facts of circumstances shall be held to be invalid or
unenforceable by any court of competent jurisdiction, then: (i) the validity and enforceability of such provision or provisions as applied to any other particular facts or circumstances and the validity of other provisions of this Agreement shall
not in any way be affected or impaired thereby; and (ii) such provision or provisions shall be reformed without further action by the Parties hereto and only to the extent necessary to make such provision or provisions valid and enforceable when
applied to such particular facts and circumstances. 
  

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 15.11. Counterparts; Facsimiles. This Agreement may be executed in any number of counterparts,
each of which when so executed and delivered shall be deemed an original, and such counterparts together shall constitute one and the same instrument. Each Party shall receive a duplicate original of the counterpart copy or copies executed by it.
For purposes hereof, a facsimile copy of this Agreement, including the signature pages hereto, shall be deemed to be an original. Notwithstanding the foregoing, the Parties shall each deliver original execution copies of this Agreement to one
another as soon as practicable following execution thereof. 
  
 15.12 Bookkeeping, Inspection. CVS shall have the right to audit AHC no more than twice per 12-month period, and only during reasonable business hours and upon reasonable notice to AHC, to determine the accuracy of revenues or the
allocation and payment of fees, as the case may be, owed or paid to CVS, or to determine AHC’s compliance with other provisions of the Agreement. If CVS discovers a shortfall in the amount of fees or revenues, as the case may be, paid by AHC
for any period during the Term, CVS shall promptly give notice thereof to AHC. If the shortfall is undisputed by AHC, AHC shall promptly remit the shortfall to CVS In addition, AHC shall pay any reasonable costs of CVS’ audit or review in the
event that CVS discovers a shortfall equal to at least Five (5%) of the total amount originally paid by AHC. 
  
 This Agreement is executed this day by the parties hereto: 
  

							
	 ATTEST:
	  	 	 	CVS PHARMACY, INC., AS BEHALF OF ITSELF AND AS
AGENT FOR ITS AFFILIATES
				
	 By:
	  	  

	 	 By:
	 	

	 Name:
	  	  

	 	 Name:
	 	

	 Title:
	  	  

	 	 Title:
	 	

			
	 ATTEST:
	  	 	 	ALLIANCE HEALTHCARD, INC.
				
	 By:
	  	  

	 	 By:
	 	

	 Name:
	  	  

	 	 Name:
	 	

	 Title:
	  	  

	 	 Title:
	 	

  

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 Attachment A 
  
 NONDISCLOSURE AGREEMENT 
  
 THIS AGREEMENT is made by and between Alliance HealthCard, Inc., a corporation organized under the laws of Georgia, hereinafter called
“Disclosee”, and CVS Pharmacy, Inc., its past, present and future parents, divisions, subsidiaries and its affiliate corporations (individually and collectively called the “Company”), effective as of the date set forth below. The
parties agree as follows: 
  
 1. Project Defined. Each
party has requested or may be receiving from the other party information of a non-public nature for use by each party and its officers, directors, agents, employees and representatives, including financial and legal advisers and, if either party is
a partnership, its partners (collectively, “representatives”) in connection with consideration by the parties of a possible partnership, joint venture, consortium relationship or other business combination or arrangement between the
parties. 
  
 2. Confidential Information Defined. The
parties acknowledge that, in the course of their consideration of and any concurrent or subsequent discussions between the Company and Disclosee or their representatives relating to the Project, each party may receive certain non-public and
confidential information from or about the other party or its affiliates, including but not limited to technical, financial and business information and models, names of potential customers or partners, proposed business deals, reports, plans,
market projections, software programs, data or any other confidential and proprietary information relating to the Project. All such technical, financial or other business information thus supplied by either party to the other or the other’s
representatives is hereinafter called the “Information”. The term “Information” as used herein also includes (i) the fact that the Information has been made available to or is being inspected or evaluated by the receiving party,
(ii) the fact that such discussions or negotiations are taking place concerning the Project or other related transactions between the Company and Disclosee and (iii) any of the terms, conditions or other facts with respect to the Project or other
related transactions, including the status thereof. Any Information supplied by either party to the other prior to the execution of this Agreement shall be considered in the same manner and be subject to the same treatment as the Information made
available after the execution of this Agreement. 
  
 3.
Exclusions from Definition. Except as provided in clauses (i)-(iii) of Paragraph 2 above, the term “Information” as used herein does not include any data or information which is already known to the receiving party at the time it is
disclosed to the receiving party, or which before being divulged by the receiving party (a) has become generally known to the public through no wrongful act of the receiving party; (b) has been rightfully received by the receiving party from a third
party without restriction on disclosure and without, to the knowledge of the receiving party, a breach of an obligation of confidentiality running directly or indirectly to the other party hereto; (c) has been approved for release by a written
authorization by the other party hereto; (d) has been disclosed pursuant to a requirement of a governmental agency or of law without similar restrictions or other protections against public disclosure, or is required to be disclosed by operation of
law; (e) is independently developed by the receiving party without use, directly or indirectly, of the Information received from the other party hereto; or (f) is furnished to a third party by the disclosing party hereunder without restrictions on
the third party’s right to disclose the information. 
  
 4.
Nondisclosure Obligation. Each party receiving any Information shall keep such Information confidential and shall not disclose such Information, in whole or in part, to any person other than its representatives who need to know such
Information in connection with the receiving party’s evaluation thereof and determination of business strategies, or other actions in connection with the Project (it being agreed and understood that such representatives shall be informed by the
receiving party of the confidential nature of the Information and shall be required by agreement with or fiduciary obligation to the receiving party to treat the Information confidentially), except with the prior written consent of the other party
hereto or as otherwise permitted hereunder. 
  
 5. Development
of Similar Technology. Notwithstanding anything to the contrary herein, both parties acknowledge that each has and will have under development, both internally and through third-party vendors, various projects relating to the subject matter of
the discussions and disclosures contemplated under this Agreement, including software development relating thereto. Nothing in this Agreement shall limit or restrict in any way either party’s ability to pursue and develop such software,
technology, Programs or services independently of the Information provided by the other party hereunder, without payment to the other party of any royalties, license fees or other amounts of any nature. 
  

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 6. Standard of Protection. For the purpose of complying with the obligations set forth herein, the
party receiving any Information shall use efforts commensurate with those that such party employs for the protection of corresponding sensitive information of its own, and such receiving party shall not be liable for any inadvertent disclosure of
Information provided that (i) it has used substantially the same degree of care to avoid disclosing such Information as it uses for its own information of like importance, and (ii) upon discovery of any inadvertent disclosure it shall use reasonable
efforts to prevent further disclosure of such Information. 
  
 7.
Compliance with Legal Process. In the event that the party receiving any Information is legally requested or required (by oral questions, interrogatories, requests for information or documents, subpoena, Civil Investigative Demand or similar
process or, in the opinion of counsel for such party, by federal or state securities or other statutes, regulations or laws) to disclose any Information, such party shall promptly notify the other party of such requests or requirement prior to
disclosure so that the other party may seek an appropriate protective order and/or waive compliance with the terms of this Agreement. If, however, in the opinion of counsel for the receiving party such party is nonetheless, in the absence of such
order or waiver, compelled to disclose such Information or else stand liable for contempt or suffer possible censure or other penalty or liability, then the receiving party may disclose such Information without liability to the other party
hereunder. 
  
 8. Ownership; Return of Information. No
license to a party, under any trademark, patent, copyright, mask work protection right or any other intellectual property right, is either granted or implied by the conveying of Information to such party. All Information (including tangible copies
and computerized or electronic versions thereof), shall remain the property of the furnishing party. Within ten (10) days following the receipt of a written request referencing this Agreement and this paragraph from either party furnishing
Information hereunder, the receiving party will deliver to the furnishing party all tangible materials containing or embodying the Information received from the furnishing party, except for materials containing Information which has been
incorporated into analyses, compilations, comparisons, studies or other documents prepared by the receiving party or its representatives, together with a certificate executed by the receiving party (or its president or any vice president) certifying
that all such materials in the receiving party’s possession have been delivered to the furnishing party or destroyed. That portion of the Information which has been incorporated into analyses, compilations, comparisons, studies or other
documents prepared by the receiving party or its representatives shall be held by the receiving party and kept confidential as provided above, or shall be destroyed. 
  
 9. Remedies for Breach. Each party understands and agrees that money damages would not be a sufficient remedy for any
breach of this Agreement and that the other party shall be entitled to seek injunctive or other equitable relief to remedy or forestall any such breach or threatened breach. Such remedy shall not be deemed to be the exclusive remedy for any breach
of this Agreement, but shall be in addition to all other rights and remedies available at law or in equity. 
  
 10. No Representations or Further Obligations. Neither this Agreement nor the disclosure or receipt of Information shall constitute or imply any
promise or intention to make any purchase of Programs or services by either party or any commitment by either party with respect to the present or future marketing of any Program or service. None of the Information which may be disclosed or
exchanged by the parties shall constitute any representation, warranty, assurance, guarantee or inducement by either party to the other of any kind, and in particular, with respect to the accuracy or completeness of any Information or the
non-infringement of trademarks, patents, copyrights, mask protection rights or any other intellectual property rights, or other rights of third persons or of either party. It is understood that this Agreement does not obligate either party to enter
into any further agreements or to proceed with any possible relationship or other transaction. 
  
 11. Term; Termination. Either party may terminate the exchange of Information under this Agreement at any time by written notice to the other specifically referencing this Agreement. In any event, however, the
obligations of each party to maintain the confidentiality of the Information it has received under this Agreement shall continue for a period of three (3) years after such termination. 
  
 12. No Waiver. No failure or delay by either party in exercising any right, power or privilege hereunder shall
operate as a waiver thereof, nor shall any single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege hereunder. 
  
 13. Amendment. This Agreement may not be modified, supplemented or
amended orally, but only by a writing signed by both parties hereto. 
  
 14. Governing Law. This Agreement shall be governed by and construed and enforced in accordance with the laws of the State of Rhode Island, without regard to its choice of law provisions. 
  

 49 

 IN WITNESS WHEREOF, the parties have executed and delivered this Nondisclosure Agreement effective as of
the date of execution by the last party to execute this Agreement, as set forth below. 
  

							
	 Disclosee:
	 	 Company:

	 Alliance HealthCard
	 	 CVS Pharmacy, Inc. and its affiliates

				
	 By:
	 	  

	 	 By:
	 	

	 Name:
	 	  

	 	 Name:
	 	

	 Title:
	 	  

	 	 Title:
	 	

	 Date:
	 	  

	 	 Date:
	 	

  

 50State Farm Contract

 Exhibit 10.2 – State Farm Mutual Automobile Insurance Company Contract 
  
 Agreement for Promotion, Fulfillment and Distribution 
 Of State Farm “Value Add” Product 
  
 This AGREEMENT (the “Agreement”), by and between Alliance HealthCard (“AHC”) a Georgia Corporation, located at 3500 Parkway Lane, Suite 310, Norcross
GA 30092 and State Farm Mutual Automobile Insurance Company, on behalf of itself and its subsidiaries and affiliates (“SF”), located at One State Farm Plaza, Bloomington, Illinois, 61710, (the “Parties”), is made and entered into
as of the latest of the signature dates set forth on the signature page below and shall be effective as of such date (the “Effective Date”). 
  
 WHEREAS, SF is a leading insurance company located in the United States. 
  
 WHEREAS, AHC is in the business of providing network services, administration and customer support programs, and desires to contract with SF for the administration and
distribution of health card programs. 
  
 AND, WHEREAS, SF and ARC wish to enter
into an agreement to provide for the distribution of the Program (as defined in Section 1) to SF Policyholders and Independent Contractor Insurance Agents. For purposes of this Agreement, Policyholders are defined as those State Farm clients who
State Farm believes may benefit from this Program. 
  
 TERMS 
  

	1.	The Program 

  
 AHC shall sell to SF a multi-service savings health card program (the “Program”) that SF will make available to its Policyholders as defined herein. The parties hereby agree that any changes in pricing or
services offered in connection with the Program shall require the parties to execute a written amendment to this agreement. 
  

	2.	Responsibilities of AHC 

  

	 	a.	Build, manage, administer and fulfill the Program 

  

	 	b.	Build, maintain and enhance the provider networks chosen by SF 

  

	 	c.	Insure that the provider vendor networks listed in Attachment B (“Provider Vendors”) deliver pricing, services, and savings as agreed to in their respective Requests for
Proposals submitted to AXIA Strategies and vendor agreements executed directly with ARC on behalf of the State Farm Good Neighbor Advantage Card Program. These vendor agreements define commitments by vendors with respect to pricing, relative savings
and fee schedules, size and scope of provider services as well as their ability to maintain and enhance the current level of services originally agreed to. A description of the pricing and services as agreed to by the Provider Vendors and defined in
the vendor agreements is outlined and summarized in Attachment B of this Agreement. 

  
 Any material change in the pricing, level of savings or ability of any of the vendors to deliver services as outlined in Attachment B, may be cause for SF
to replace an existing vendor with a new vendor of like services. SF agrees that vendor transition costs and incremental vendor fees will be incurred by SF. 
  

	 	d.	Design and provide subject to SF’s approval fulfillment kit materials including envelope with postage and the mailing of Good Neighbor Advantage membership card, SF Medicare
Supplement ill card, welcome letter, member guide, mail order pharmacy envelope, and provider directory (“Fulfillment Packet”) for all new policyholders enrolled in the Program. ARC must provide for the secure storage of blank membership
cards. 

  

 51 

 Additional fulfillment materials not described herein that impact weight and postage could result in
additional costs to SF, price to be agreed upon by both parties. 
  

	 	e.	AHC will provide 22,000 copies of a sample Fulfillment Packet to SF, at a cost of $.72 per packet. 

  

	 	f.	Provide Policyholder support including one State Farm owned 800 inbound number; vendor numbers including but not limited to, Nurse Line, Diabetes Supplies and Mail Order Pharmacy;
card replacement; locating a provider; and respond to all other customer service questions. 

  

	 	g.	Assign Client Manager and Account Team 

  

	 	h.	Assist with the design of two cards: 1) Good Neighbor Advantage Card, and 2) SF Medicare Supplemental Card 

  

	 	i.	Assist with Member Guide Design 

  

	 	j.	Review Vendors Credentialing and Quality Programs 

  

	 	k.	Pay Vendors Monthly 

  

	 	l.	Pay Fees for 800 number 

  

	 	m.	Coordinate SF Policyholder eligibility with selected vendors 

  

	 	n.	Manage Vendor Databases 

  

	 	o.	Develop, register, update, and maintain a SF Program Web-Site, at AHC’s cost, that contains Service Guide and provider locator information. SF’s Policyholders will be able
to access the Website directly or through a link from SF’s proprietary Website. 

  

	 	p.	AHC will own or license the Website. 

  

	 	q.	Obtain written SF approval on any SF customer facing artwork, printing, or web-site design proofs including any changes made to the above and future linking to other sites.

  

	 	r.	Reporting in a format similar to those reports provided by the vendors in their proposals. 

  

	3.	Responsibilities of SF 

  

	 	a.	Electronically send Policyholder eligibility data to AHC 

  

	 	b.	Communicate the Advantage Card Program to SF Independent Contractor Insurance Agents 

  

	 	c.	Assist AHC with collateral material design and copy review prior to fulfillment to SF policyholders 

  

	4.	Payment for Services 

  
 See Attachment A (“Payment Model”) 
  

	4.1	Payment SF will pay AHC within thirty (30) days of receipt of an accurate invoice. 

  

 52 

	5.	Term and Termination 

  

	 	5.1	Term. The term of this Agreement shall begin upon the Effective Date and shall continue for three (3) years (the “Term”). 

  

	 	5.2	Extension of Term. This Agreement will automatically renew for additional one (1) year terms. 

  

	 	5.3	Termination/Withdrawal. Either Party may terminate this Agreement upon thirty (30) days notice if: 

  
 (1) The other Party commits a material breach of this Agreement that is not
cured within forty-five (45) days after an initial written notice of the material breach is delivered to the breaching Party from the other Party. 
  
 (2) The other Party files a petition for bankruptcy or is adjudicated a bankrupt, or a petition in bankruptcy is filed against the other Party and such
petition is not dismissed within ninety (90) calendar days, or the other Party becomes insolvent or makes an assignment for the benefit of its creditors or an arrangement for its creditors pursuant to any bankruptcy law or the other Party
discontinues its business or a receiver is appointed for other Party or its business. 
  

	 	5.4	Termination for Convenience. Should either Party’s needs for this Agreement change or conclude before the end of the then current Term, either Party may terminate this
Agreement upon ninety (90) days of prior written notice. If SF exercises termination under this provision, then SF will reimburse AHC for the costs of un-used Advantage Card materials. 

  

	6.	IP Rights and Control 

  

	 	6.1	Work Made for Hire. 

  
 6.1.1 All materials (the “Materials”) provided to SF by AHC as a product of performing this Agreement, and the ideas and techniques contained
therein with respect to SF’s business, shall be the sole and absolute property of SF. 
  
 6.1.2 The parties agree that the Materials produced hereunder shall be considered a work made for hire. AHC further transfers, assigns, sells, and conveys all rights to the Materials hereunder, including but not
limited to copyright, trademark, trade secret, and patent rights. 
  
 6.2 AHC Grant of License. AHC hereby grants SF a worldwide, non-exclusive, royalty- free license during the Term and any extensions thereof to display, copy, distribute and use either in paper form or electronic form AHC’s
trademarks, logos, service marks and other graphical items in the form, and format and style guidelines provided by AHC, (“AHC IP Materials”) and as otherwise set forth herein. Any other use or display of ARC IP Materials by SF shall
require the prior written consent of AHC. 
  
 6.3 SF Grant of
License. SF hereby grants AHC a worldwide, non-exclusive license during the Term and any extensions thereof to display SF’s name, trademarks, logos, service marks and other graphical items in the form, and format and style guidelines
provided by SF, (“SF IP Materials”) and as otherwise set forth herein. This use or display of SF IP Materials by ARC will be solely for the purpose of fulfilling ARC obligations under this agreement. 
  
 6.4 Use Of The State Farm Name. Except as provided in Section 6.3
herein, anything in the Agreement to the contrary notwithstanding, AHC expressly agrees that it shall not disclose or otherwise identify SF or any of its affiliates or subsidiaries orally or in any of AHC’s advertising, publications, or other
media to be displayed or disseminated to AHC’s customers or other parties. 
  
 6.5 Ownership of Intellectual Property by SF. AHC acknowledges that, as between it and SF, SF owns or is the licensee of, all right, title and interest in and to all SF trademarks, logos, service marks and
other graphical items in the form, and format and style guidelines provided by SF (“SF IP Materials”) as of the Effective Date of this Agreement, including the SF trademarks, except for any ARC IP Materials displayed on 
  

 53 

 such site. ARC understands and agrees that its use of any of the foregoing SF IP Materials in connection
with this Agreement shall not create in it any right, title or interest, in or to such property, and that all such use and goodwill associated with any such use of the SF IP materials shall inure to the benefit of SF. 
  
 6.6 Ownership of Intellectual Property by AHC. SF acknowledges that,
as between it and AHC, AHC owns or is the licensee of, all right, title and interest in and to all IP Rights contained in the AHC IP Materials, including the ARC trademarks, except for any SF trademarks displayed on such ARC IP Materials or the
Co-Branded site. SF understands and agrees that its use of any of the foregoing ARC property in connection with this Agreement shall not create in it any right, title or interest, in or to such property, and that all such use and goodwill associated
with any such use of the ARC IP materials shall inure to the benefit of AHC. 
  
 6.7 Trademark Quality Control. Each Party’s use of the other’s trademarks on each Party’s web site and other materials and co-branded items shall be in accordance with such Party’s policies
regarding trademark usage. In the event that a Party determines that its trademarks are being used by the other Party in a manner that is inconsistent with its standards and reasonably demonstrates such inconsistency to the other Party, such other
Party shall within thirty (30) days thereafter cure such inconsistency; provided, however, that if either Party does not cure such inconsistency within such period, such Party shall be in breach of this Agreement. Each of the Parties hereto shall
use the other Party’s logos and/or trademarks in accordance with each Party’s respective trademark and/or logo usage policies and in furtherance of the purposes of this agreement. 
  
 6.8 Protection of Rights and Withdrawal. Each Party may cease use of
any IP Materials of the other Party if the Party, in its sole discretion, determines that use, display, transmission, or distribution of such the IP Materials of the other Party would (i) violate or infringe the copyright, trademark or other rights
of any third party, or any other law, court order, governmental regulation or other ruling of any governmental agency or entity, (ii) subject the Party to any liability, (iii) jeopardize the Party’s ability to protect its rights or its property
in the manner deemed appropriate by that Party, or (v) violate any other rights of a third party. 
  

	7.	Confidentiality 

  
 a. The Parties expressly acknowledge that in the course of their performance hereunder, they may learn or have access to certain confidential, patent,
copyright, business, trade secret, proprietary or other like information or products of the other Party or of third parties, including but not limited to the other Party’s vendors, consultants, suppliers or customers (the
“Information”). Anything in this Agreement to the contrary notwithstanding, the Parties expressly agree that they will keep strictly confidential any such Information that they learn. 
  
 b. SF and AHC agree that, for the purposes of this Agreement, third parties
whose duties for SF or whose duties as a subcontractor for ARC in performing AHC’s duties under this Agreement require access to the Information provided under this Agreement shall have access to the Information as required by such duties,
provided that: (i) such third parties have agreed in writing with either SF or AHC, in terms no less restrictive than the confidentiality obligations of this Agreement, to keep confidential the Information; (ii) such third parties have agreed in
writing with either SF or AHC not to use the Information for their own benefit or the benefit of any person or entity besides SF; and (iii) SF, when allowing such third parties access to AHC’s Information, will not exceed the license or use
restrictions in this Agreement. 
  
 c. AHC agrees not to use a
third party’s Information for its own benefit or the benefit of any person besides SF. 
  
 d. For purposes of this Section 7, the term “Disclosing Party” shall refer to the party to the Agreement providing the Information to the other party. The term “Receiving Party” shall refer to the
party receiving the Information in the course of its performance under this Agreement. The term “Information” shall not include products or information that: (i) are in the public domain or in the possession of the Receiving Party without
restriction at the time of receipt under this Agreement; (ii) are used or released with the prior written approval of the Disclosing Party; (iii) are independently developed by the Receiving Party, or (iv) are ordered to be produced by a court of
competent jurisdiction or appropriate regulatory authority, but in such case the Receiving Party producing the Information agrees to notify the Disclosing Party immediately and cooperate with the Disclosing Party in asserting a confidential or
protected status for the Information. 
  
 e. Each party expressly
further agrees that it shall return to the Disclosing Party upon the Disclosing Party’s request any such Information and copies thereof. The provisions of this Section 7 shall survive termination of this Agreement. 
  

 54 

 f. Each party agrees to comply with all applicable state and federal laws and regulations relating to
privacy and security of personal health data, including any and all regulations issued under the Health Insurance Portability and Accountability Act (HIP AA). Each party shall cooperate with the other party in taking such reasonable steps and
executing all documents reasonably requested by the other party to comply with all such state and federal laws and regulations. Each party agrees to promptly notify the other party orally and in writing of its discovery of any personal data in its
possession which is improperly used, copied or removed by anyone except an authorized representative. 
  

	8.	Subcontracting 

  
 AHC may not subcontract its duties under this Agreement to any other entity, except a subsidiary, unless such subcontracting is approved in advance by SF
in writing, which approval SF may in its sole discretion grant or deny. 
  
 AHC acknowledges that the Provider Vendors are considered AHC subcontractors under this Agreement. 
  

	9.	Warranties 

  
 9.1 AHC Warranties. AHC represents and warrants that AHC will provide services in a good and workmanlike manner and that the following performance
standards are satisfied throughout the term of the agreement: 
  
 9.2 Mutual Representations and Warranties. Each Party hereby represents and warrants to the other Party that: 
  
 a. It is a corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation and has all the
necessary power and authority (i) to conduct its business in the manner in which its business is currently being conducted, (ii) to own and use its assets in the manner in which its assets are currently owned and used, and (iii) to enter into this
Agreement and perform its obligations under this Agreement; and 
  
 b. Its execution and delivery of this Agreement, and the performance of its obligations and duties hereunder, do not and will not (i) conflict with or result in any breach of any provision of its certificate of incorporation or by-laws,
(ii) require any filing with, or permit, authorization, consent or approval of, any Governmental Body, (iii) result in a violation or breach of, or constitute a default (or give rise to any right of termination, cancellation or acceleration) under,
any terms, conditions or provisions of any note, bond, mortgage, indenture, lease, license, contract, agreement or other instrument or obligation to which it is a Party or by which any of its properties or assets may be bound, (iv) violate any
order, writ, injunction, decree, or Law applicable to it, 
  
 9.3 AHC Liability Indemnification. AHC will indemnify and hold harmless SF against all claims, losses, damages, liabilities, costs, and expenses, including interest, penalties, cost of investigation and defense, and reasonable
attorneys’ and other professional fees and expenses to the extent such claims, losses and damages are due to a defect in the Program or any materials, labeling, instructions, training or other materials caused or provided by AHC. 
  
 SF shall promptly notify AHC in writing of any claim for indemnification. SF
shall tender sole defense and control of such claim to AHC. SF shall, if requested by AHC, give reasonable assistance to AHC in defense of any claim 
  
 9.4 State Farm Liability Indemnification. SF will indemnify and hold harmless AHC against all claims, losses, damages, liabilities, costs, and
expenses, including interest, penalties, cost of investigation and defense, and reasonable attorneys’ and other professional fees and expenses to the extent such claims, losses and damages are due to a defect in the Program or any materials,
labeling, instructions, training or other materials caused by SF. 
  

 55 

 AHC shall promptly notify SF in writing of any claim for indemnification. AHC shall tender sole defense
and control of such claim to SF. ARC shall, if requested by SF, give reasonable assistance to SF in defense of any claim. 
  
 9.5 Remedies Cumulative. Except as otherwise expressly specified herein, the rights and remedies granted to each Party under this Agreement
are cumulative and in addition to, and not in lieu of, any other rights or remedies that such Party has under the express terms of this Agreement. 
  

	10.	Infringement Indemnification 

  
 AHC at its own expense shall defend and hold SF fully harmless against any action asserted against SF (and specifically including costs and reasonable attorneys’
fees associated with any such action) to the extent that it is based on a claim that use of the Materials or other deliverables AHC provides under this Agreement infringes any patent, copyright, license or other proprietary right of any third party.
SF shall promptly notify AHC in writing of any such claim. If as a result of any claim of infringement against any patent, copyright, license or other proprietary right of any third party, SF is enjoined from using the Materials or other
deliverables of this Agreement, or if AHC believes that the Materials or such deliverables are likely to become the subject of a claim of infringement, ARC at its option and expense will procure the right for SF to continue to use the Materials and
such deliverables, or replace or modify the Materials and such deliverables so as to make them non-infringing. 
  

	11.	Hold Harmless 

  
 Anything in the Agreement to the contrary notwithstanding, ARC expressly agrees that it shall indemnify and hold SF fully harmless against any loss, damages, claims, or expenses of any kind whatsoever sustained or
incurred by a third party (including costs and reasonable attorneys’ fees) as a result of the negligent or intentional acts or omissions of AHC, for which recovery is sought against SF by that third party. 
  

	12.	Limitation of Liability 

  
 EXCEPT IN THE EVENT OF INTENTIONAL WRONGDOING OR A CLAIM PURSUANT TO INDEMNIFICATION OBLIGATIONS HEREIN, IN NO EVENT SHALL A PARTY TO THIS AGREEMENT BE LIABLE FOR ANY
SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOST PROFITS, IN ANY WAY ARISING OUT OF OR RELATING TO THIS AGREEMENT, EVEN IN THE EVENT SUCH PARTY HAS BEEN ADVISED AS TO THE POSSIBILITY OF SUCH
DAMAGES. IN NO EVENT WHATSOEVER SHALL EITHER PARTY’S TOTAL LIABILITY TO THE OTHER PARTY FOR ANY OTHER DAMAGES WHATSOEVER EXCEED IN THE AGGREGATE THE SUM OF ONE MILLION DOLLARS ($1,000.000.00). 
  

	13.	Insurance 

  
 Throughout the Term, AHC shall procure and maintain at its own expense, insurance which must be satisfactory to SF of the following types and in the following amounts: at least $3 million in general liability
insurance. All insurance to be maintained by AHC under this Article 12 shall be with companies licensed to do business in the states in which the parties do business. AHC shall furnish to SF, upon request, certificates of insurance or other
appropriate documentation (including evidence of renewal of insurance) evidencing all coverage referenced in this Article. Such certificates or other documentation will include a provision whereby thirty (30) days’ notice must be received by SF
prior to cancellation or material alteration of the coverage by AHC or the insurer in question. 
  

	14.	Miscellaneous 

  

	 	14.1	Security; Audit 

  
 a. AHC agrees to follow reasonable industry standards for physical security for the Information it receives under this Agreement, including but not
limited to: (1) encryption of Information while in transit or stored on AHC’s network; (2) separation of SF Information from other records located at the AHC’s location; (3) restriction on a “need to know basis” for access to SF
Information at AHC’s location; (4) monitoring by appropriate systems to detect attacks or intrusions via internal or external sources; (5) protection against losses of the Information due to fire, water or other environmental causes; (6)
adequately developed and tested backup/recovery plans. 
  

 56 

 b. SF or its designated representative shall have the right (including but not limited to on-site visits
to AHC’s premises) to audit AHC’s records and systems related to the performance of this Agreement, on five (5) days prior written notice. AHC agrees to cooperate with SF to resolve any auditing concerns. 
  
 14.2 Assignment. Neither party shall transfer or assign any rights
hereunder to any third party in whole or in part, whether voluntarily or by operation of law. Any purported transfer or assignment by either Party (except with respect to an Affiliate of the Party) shall be null and void and of no force or effect.
An assignment will not relieve a Party to this Agreement of any obligations under this Agreement. Except as otherwise provided in this Agreement, neither Party shall have the right to assign this Agreement and the obligations hereunder to any
successor of such Party by way of merger, consolidation, reorganization, or the acquisition of substantially all of the business and assets of the assigning Party relating to the Agreement. 
  
 14.3 Notices. Any notice or other communication to be given hereunder
shall be in writing and shall be (as elected by the Party giving such notice): (i) personally delivered; (ii) transmitted by postage prepaid registered or certified mail, return receipt requested; (iii) deposited prepaid with a nationally recognized
overnight courier service; or (iv) sent by facsimile. Unless otherwise provided herein, all notices shall be deemed to have been duly given on: (a) the date of receipt (or if delivery is refused, the date of such refusal) if delivered personally or
by courier; (b) three (3) days after the date of posting if transmitted by mail; or (c) if transmitted by facsimile, the date a confirmation of transmission is received. Either Party may change its address for purposes hereof on not less than three
(3) days prior notice to the other Party. Notices hereunder shall be directed to, unless otherwise instructed by the receiving Party: 
  
 If to SF, to: 
  
 State Farm Mutual Automobile Insurance Company 
 Attn: Health Product Management Department 
 One State Farm Plaza 
 Bloomington, IL 61710 
  
 If to AHC, to: 
  
 Alliance HealthCard, Inc. 
 3500 Parkway Lane
Suite 720 
 Norcross, GA 30092 
 Attention: President 
  
 14.4 Force Majeure.
Neither Party shall be liable for any delay or failure to perform hereunder if such failure or delay is due to a force beyond its control (“force majeure”) such as flood, pestilence, war, insurrection, shortage of supplies, labor actions,
and the like, so long as performance is resumed promptly after the conclusion of the force majeure event. 
  
 14.5 Waiver. Any of the provisions of this Agreement may be waived by the Party entitled to the benefit thereof. Neither Party shall be deemed, by
any act or omission, to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the waiving Party, and then only to the extent specifically set forth in such writing. A waiver with reference to one event
shall not be construed as continuing or as a bar to or waiver of any right or remedy as to a subsequent event. 
  
 14.6 No Third Party Beneficiaries. Nothing express or implied in this Agreement is intended to confer, nor shall anything herein confer, upon any
Person other than the Parties and the respective permitted successors or assigns of the Parties, any rights, remedies, obligations or liabilities whatsoever. 
  

14.7 Fees and Expenses. Each Party shall be responsible for the payment of its own costs and expenses, including attorney’s fees and
expenses, in connection with the negotiation and execution of this Agreement. 
  
 14.8 Severability. If the application of any provisions of this Agreement to any particular facts of circumstances shall be held to be invalid or unenforceable by any court of competent jurisdiction, then: (i)
the 
  

 57 

 validity and enforceability of such provision or provisions as applied to any other particular facts or
circumstances and the validity of other provisions of this Agreement shall not in any way be affected or impaired thereby; and (ii) such provision or provisions shall be refined without further action by the Parties hereto and only to the extent
necessary to make such provision or provisions valid and enforceable when applied to such particular facts and circumstances. 
  
 14.9 Counterparts; Facsimiles. This Agreement may be executed in any number of counterparts, each of which when so executed and delivered shall be
deemed an original, and such counterparts together shall constitute one and the same instrument. Each Party shall receive a duplicate original of the counterpart copy or copies executed by it. For purposes hereof, a facsimile copy of this Agreement,
including the signature pages hereto, shall be deemed to be an original. Notwithstanding the foregoing, the Parties shall each deliver original execution copies of this Agreement to one another as soon as practicable following execution thereof.

  
 14.10 No Joint Venture. The sole relationship between
the Parties shall be that of independent contractors. No partnership, joint venture, or other formal business relationship is hereby created between the Parties hereto. Neither Party shall make any warranties or representations, or assume or create
any obligations, on the other Party’s behalf except as may be expressly permitted hereunder or in writing by such other Party. Each Party shall be solely responsible for the actions of all their respective employees, agents and representatives.

  
 14.11 Arbitration. 
  
 a. Any controversy or claim arising out of or relating to this Agreement as
amended shall be submitted to non-binding arbitration in accordance with the Center for Public Resources Rules for Non-Administered Administration of Business Disputes, by three arbitrators, of whom each party shall appoint one and the third shall
be chosen by the other two. The arbitration shall be governed by the United States Arbitration Act, 9 USC §§1-16, and judgment may be entered by any court having jurisdiction thereof. The place of arbitration shall be Chicago, Illinois.
The arbitrators are empowered by award damages in accordance with Section 19 (Limitation of Liability), and may not award punitive damages. 
  
 b. Either party may initiate litigation upon thirty (30) days’ written notice to the other party. 
  
 14.12 Governing Law. This Agreement shall be interpreted and
construed in accordance with the laws of the State of Illinois, without regard to the principles of conflicts of laws, and with the same force and effect as if fully executed and performed therein, and the laws of the United States of America.

  
 14.13 Amendment or Modification. This Agreement may
not be amended, modified or supplemented by the Parties in any manner, except by an instrument in writing signed on behalf of each of the Parties by a duly authorized officer or representative. 
  
 14.14 Entire Agreement. This Agreement represents the entire
agreement of the Parties with respect to the subject matter hereof and supersedes all prior and/or contemporaneous agreements and understandings, written or oral between the Parties with respect to the subject matter hereof. 
  
 14.15 Survival. Sections 6, 7, 9,10,11,12,14.11, and 14.12 shall
survive termination of this Agreement. 
  

 58 

 This Agreement is executed this day by the parties hereto: 
  

							
	ATTEST:	 	 STATE FARM MUTUAL AUTOMOBILE
 INSURANCE COMPANY

				
	 By:
	 	  

	 	 By:
	 	

	 Name:
	 	  

	 	 Name:
	 	

	 Title:
	 	  

	 	 Title:
	 	

	 Date:
	 	  

	 	 Date:
	 	

		
	ATTEST:	 	ALLIANCE HEALTHCARD, INC.
				
	 By:
	 	  

	 	 By:
	 	

	 Name:
	 	  

	 	 Name:
	 	

	 Title:
	 	  

	 	 Title:
	 	

	 Date:
	 	  

	 	 Date:
	 	

  

 59

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