Document:

Exhibit
4.83

    

     

    
      AMENDMENT NO. 9
TO

       

      SECURITIES PURCHASE AND LOAN
AGREEMENT

       

      This
Amendment No. 9 to Securities Purchase and Loan Agreement (this “Agreement”) is made
as of the 12th day of
August, 2010 by and among NATIONAL INVESTMENT MANAGERS INC., a Florida
corporation (the “Company”), each of
the guarantors identified as such on the signature pages hereto (each a “Guarantor,” and
collectively, the “Guarantors”),
WOODSIDE CAPITAL PARTNERS IV, LLC (“Woodside IV”),
WOODSIDE CAPITAL PARTNERS IV QP, LLC (“Woodside IV QP”),
WOODSIDE CAPITAL PARTNERS V, LLC, as assignee of Woodlands Commercial Bank
(f/k/a Lehman Brothers Commercial Bank) (“Woodside V”),
WOODSIDE CAPITAL PARTNERS V QP, LLC, as assignee of Woodlands Commercial Bank
(f/k/a Lehman Brother Commercial Bank) (“Woodside V QP”, and
together with Woodside IV, Woodside IV QP, and Woodside V, the “Holders”) and
WOODSIDE AGENCY SERVICES, LLC as collateral agent for the Holders (the “Collateral
Agent”).

       

      RECITALS

       

      WHEREAS, the Company, the
Holders and the Collateral Agent are parties to that certain Securities Purchase
and Loan Agreement, dated November 30, 2007 (as amended, restated, supplemented
or otherwise modified from time to time, the “Securities Purchase
Agreement”).  Capitalized terms used but not defined herein
shall have the same meanings herein as in the Securities Purchase
Agreement.

       

      WHEREAS, the Company has
requested that the Holders convert the 6% per annum cash interest payments under
the Securities Purchase Agreement (commencing with the cash interest payment due
on July 1, 2010) to paid-in-kind interest so that the Company will have cash on
hand to make (a) payments under, and in accordance with, its key employee
retention plan (the “KERP”), (b) payments
to the Company’s lead director (the “Lead Director
Payments”), and (c) the Additional Recapitalization Payments (as defined
below).

       

      WHEREAS, subject to the terms
and conditions contained herein, the Holders are willing to convert the 6% per
annum cash interest payments under the Securities Purchase Agreement (commencing
with the cash interest payment due on July 1, 2010) to paid-in-kind interest so
that the Company will have cash on hand to make (a) KERP payments, (b) Lead
Director Payments and (c) Additional Recapitalization Payments.

       

      NOW, THEREFORE, with the
foregoing Recitals incorporated by reference and made a part hereof, in
consideration of the mutual agreements contained in the Financing Agreements and
herein, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

       

      1. Conversion
of Interest.

       

      (a) Notwithstanding
anything to the contrary contained in Section 3.5 of the Securities Purchase
Agreement, and so long as (i) any cash savings resulting from the conversion
described below are applied by the Company to make KERP payments, Lead Director
Payments and Additional Recapitalization Payments in accordance with the revised
rolling monthly cash flow projection through January 2, 2011 (the “Budget”) attached
hereto as Schedule
1 and approved by the Holders in accordance with Section 6(a)(ii)(C) of
Amendment No. 8 to Securities Purchase and Loan Agreement, dated as of April 26,
2010 (“Amendment No.
8”) among the parties hereto, (ii) the total amount of KERP payments to
all members of management of the Company shall not exceed $20,000 for any month,
and (iii) the total amount of Lead Director Payments shall not exceed $35,000
for any month, the 6% per annum cash interest payments under the Securities
Purchase Agreement (commencing with the cash interest payment due and payable on
July 1, 2010) (the “Converted Interest
Amount”) shall not be payable in cash, but shall instead be compounded
monthly by adding the Converted Interest Amount to the principal amount of the
Notes and shall be due and payable, in cash, at the earliest of (x) the dates
set forth in clause (b), (c) or (d) below, (y) the Maturity Date and (z) on the
date of any repayment or prepayment of the Notes (with respect to the portion of
such Notes so repaid or prepaid).

       

      
        
           

        

        
           

          
            

          

        

        
           

        

        
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      (b) In the
event that the Company fails to pay in full the total amount of KERP payments,
the Lead Director Payments and the Additional Recapitalization Payments (the
“Total Amount”)
in accordance with the Budget on or prior to the last day of any calendar month
(or with respect to the month of July, on or prior to August 13, 2010), then the
Company shall, on the last day of such calendar month (or with respect to the
month of July, August 13, 2010), pay to the Holders in cash (notwithstanding
clause (a) above) an amount equal to the difference between the Total Amount and
the actual amount of KERP payments, Lead Director Payments and Additional
Recapitalization Payments made for such month, which amount shall be applied to
any cash interest payment due on the first day of such month (or with respect to
the payments to be made on or prior to August 13 for the month of July, July 1,
2010) pursuant to Section 3.5 of the Securities Purchase Agreement (without
giving effect to clause (a) above).

       

      (c) In the
event that any Default or Event of Default (other than the Identified Events of
Default, as such term is defined in Amendment No. 8) shall have occurred or any
Termination Event (as defined in Amendment No. 8) shall have occurred, then, in
each case, the Company shall on the first day of each calendar month occurring
after such Default, Event of Default or Termination Event, pay to the Holders in
cash the 6% per annum cash interest payment pursuant to Section 3.5 of the
Securities Purchase Agreement (without giving effect to clause (a)
above).

       

      (d) On
November 5, 2010, December 3, 2010 and January 7, 2011, the Company shall pay to
the Holders in cash an amount equal to the amount by which the Company’s actual
net cumulative cash position (total receipts less disbursements) exceeds
$500,000 plus the amount set forth in Budget as of such date (provided that such
payment shall not exceed the sum of the amounts described in clauses (i) and
(ii) of this paragraph (d)), which cash amount shall be applied (i) first, to
any cash interest payment due on the first day of such month pursuant to Section
3.5 of the Securities Purchase Agreement (without giving effect to clause (a)
above) and (ii) second, to any prior Converted Interest Amounts until such
amounts are paid in full.

       

      2. Expanded
Role of Advisor; Additional Recapitalization Payments.  The
Holders hereby consent to the Company engaging its advisor, Carl Marks Advisory
Group LLC (or such other advisor reasonably acceptable to the Holders), on
expanded terms to assist in an additional review of the Company’s financial and
operational systems and reporting so long as (a) the additional payments due and
payable to Carl Marks Advisory Group LLC (or such other advisor reasonably
acceptable to the Holders) for such expanded services shall not exceed $12,000
per month (the “Additional Advisor
Payments”) and (b) all other terms, arrangements and conditions to such
expanded services shall be reasonably satisfactory to the
Holders.  For purposes of this Agreement, “Additional Recapitalization
Payments” shall mean the sum of the Additional Advisor Payments and any
additional recapitalization expenses of the Company set forth in the Budget,
including field incentive plans.

       

      
        
           

        

        
           

          
            

          

        

        
           

        

        
          
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      3. Increase
in Interest Rate.  Notwithstanding anything to the contrary
contained in Section 3.5 of the Securities Purchase Agreement, the interest rate
otherwise applicable to the unpaid principal amount of the Notes outstanding
from time to time shall increase by (a) 2% per annum on October 1, 2010 and (b)
an additional 1% per annum on January 1, 2011 (the “Additional PIK
Interest”).  The Additional PIK Interest shall be compounded
monthly by adding the Additional PIK Interest to the principal amount of the
Notes and shall be due and payable, in cash, at the Maturity Date and on the
date of any repayment or prepayment of the Notes (with respect to the portion of
such Notes so repaid or prepaid).  Notwithstanding anything contained
to the contrary in this Section 3, (a) in the event that all Obligations are
paid in full in cash on or prior to the Maturity Date, the Additional PIK
Interest shall be waived and forgiven and (b) during the Forbearance Period (as
defined in Amendment No. 8) only, with respect to any month, if the outstanding
balance of the Converted Interest Amount is zero for at least 22 days of such
month, then the applicable per annum Additional PIK Interest rate shall be
reduced by fifty percent (50%) for such month.

       

      4. Confirmation
of Indebtedness; Ratification of Loan Documents.

       

      (a) The
Company hereby agrees and acknowledges that:

       

      (i) as of the
date hereof, the Company is indebted to the Holders for (a) indebtedness to
the Holders in connection with the Financing Agreements in an aggregate
outstanding principal amount equal to $14,133,859.61, plus accrued and unpaid
interest thereon, as provided in the Financing Agreements; and (b) for all
accrued and unpaid fees and expenses of the Collateral Agent and the Holders
(including, but not limited to, reasonable fees and disbursements of counsel to
the Collateral Agent) and all other Obligations under the Financing Agreements
(including, without limitation, any amounts the Company is obligated to pay the
Holders or the Collateral Agent, for the pro rata account of each
Holder, pursuant to the terms of this Agreement;

       

      (ii) as of the
date hereof, (A) there exists no defense to the repayment by the Company of the
Obligations, and (B) the Company does not have any Claim (as defined below)
against the Collateral Agent or any Holder in respect of any matter relating to
or arising under this Agreement or any of the Financing Agreements or any of the
transactions contemplated hereby or thereby;

       

      (iii) the
Company remains obligated to pay all principal, interest, fees and other amounts
owing to the Collateral Agent and the Holders under and in respect of the
Financing Agreements when due and payable in accordance with the terms thereof;
and

       

      
        
           

        

        
           

          
            

          

        

        
           

        

        
          
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      (iv) the liens
and security interests granted in favor of the Collateral Agent for the benefit
of the Holders under the terms of the Financing Agreements secure payment of the
Obligations and all other obligations under the Financing Agreements, are
perfected, effective, enforceable and valid and that such liens and security
interests are, in each case, junior only to the Senior Liens (as defined in the
Intercreditor Agreement) pursuant to the terms of the Intercreditor Agreement,
except to the extent otherwise expressly permitted by the Securities Purchase
Agreement or the other Financing Agreements.

       

      (b) The
Company hereby (i) ratifies, confirms, and approves each of the terms and
conditions, and its liabilities and obligations under, each of the Financing
Agreements (ii) for the avoidance of doubt grants to the Collateral Agent, for
the benefit of the Holders, a continuing security interest in and lien on the
Collateral as security for the performance of the Company’s obligations under
the Financing Agreements and (iii) acknowledges and agrees that its liabilities
and obligations under the Securities Purchase Agreement and the other Financing
Agreements are owing without offset, defense or counterclaim.  The
Company further acknowledges and agrees that except as specifically modified by
this Agreement, (1) all terms and conditions of the Securities Purchase
Agreement and the other Financing Agreements shall be unaffected hereby and
shall remain in full force and effect (including, without limitation, all terms,
conditions, agreements and covenants contained in Amendment No. 8 (including,
without limitation, Section 6(c) of Amendment No. 8)) and nothing herein shall
derogate from the existing obligations, agreements and requirements set forth in
the Securities Purchase Agreement and the other Financing Agreements and (2) it
shall continue to make all payments required under the Securities Purchase
Agreement when due, except to the extent that any such payments shall be
prohibited pursuant to the terms of the Intercreditor Agreement.

       

      (c) Without
limiting any other provision of this Agreement, the Company acknowledges and
agrees that the Holders are entering into this Agreement in reliance upon, among
other things, all other agreements and representations of the Company,
including, without limitation, those agreements and representations of the
Company set forth in the Financing Agreements and the agreements,
acknowledgements, ratifications and provisions set forth in this Section
4.

       

      5. No
Present Claims; Release.  The Company and each Guarantor
acknowledges and agrees that: (a) it does not have any claim or cause of
action against the Collateral Agent or any of the Holders (or any of their
respective predecessors, directors, officers, employees, agents, affiliates or
attorneys); (b) it does not have any offset right, counterclaim or defense of
any kind against the Obligations or any portion thereof; and (c) the Collateral
Agent and the Holders have heretofore properly performed and satisfied in a
timely manner all of their respective obligations and commitments to the
Company.  The Collateral Agent and the Holders wish (and the Company
and Guarantors agree) to eliminate any possibility that any past conditions,
acts, omissions, events or circumstances would impair or otherwise adversely
affect any of the rights, interests, security and/or remedies of the Collateral
Agent, on behalf of the Holders, or the Holders.  For and in
consideration of the agreements contained in this Agreement and other good and
valuable consideration, the Company and each Guarantor unconditionally and
irrevocably releases, waives and forever discharges the Collateral Agent and the
Holders, together with their respective predecessors, successors, assigns,
subsidiaries, affiliates, agents and attorneys (collectively, the “Released Parties”),
from the following (each a “Claim”): (x) any and
all liabilities, obligations, duties, promises or indebtedness of any kind of
the Released Parties to the Company or the Guarantors which existed, arose or
occurred at any time from the beginning of the world to the execution of this
Agreement, and (y) all claims, offsets, causes of action, suits or defenses of
any kind whatsoever (if any), which the Company or any Guarantor might otherwise
have against the Released Parties, or any of them, in either case (x) or (y) on
account of any condition, act, omission, event, contract, liability, obligation,
indebtedness, claim, cause of action, defense, circumstance or matter of any
kind which existed, arose or occurred at any time from the beginning of the
world to the execution of this Agreement.

       

      
        
           

        

        
           

          
            

          

        

        
           

        

        
          
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      6. Representations
and Warranties.  The Company hereby
represents and warrants to the Holders that:

       

      (a) the
execution, delivery, and performance of this Agreement, the Securities Purchase
Agreement and the other Financing Agreements are within the Company’s corporate
powers and have been duly authorized by all necessary corporate
action.  This Agreement has been duly executed and delivered by the
Company and constitutes, and each of the other previously executed Financing
Agreements to which the Company is a party constitute, legal, valid and binding
obligations of the Company, enforceable against the Company in accordance with
their respective terms;

       

      (b) all
financial information delivered by the Company to the Collateral Agent, for the
benefit of the Holders, or the Holders fairly presents in all material respects
the financial position of the Company as at the dates thereof and the results of
operations and cash flows of the Company for each of the periods then ended,
subject, in the case of any such unaudited financial statements, to changes
resulting from audit and normal year-end adjustments and the absence of
footnotes;

       

      (c) the
Company has read and fully understands each of the terms and conditions of this
Agreement and is entering into this Agreement freely and voluntarily, without
duress, after having had an opportunity for consultation with independent
counsel of its own selection and not in reliance upon any representations,
warranties or agreements made by the Collateral Agent or the Holders and not set
forth in this Agreement;

       

      (d) each of
the representations and warranties in the Securities Purchase Agreement (as
amended hereby), as updated by Schedules thereto previously delivered to the
Holders, and each of the other Financing Agreements (other than the
representations and warranties set forth in Sections 4.5 and 4.8 of the
Securities Purchase Agreement) remain true, complete and correct in all material
respects as of the date hereof (except to the extent such representations and
warranties expressly relate solely to an earlier date);

       

      (e) after
giving effect to Section 1(a) of this Amendment, no Default or Event of Default
(other than the Identified Events of Default, as such term is defined in
Amendment No. 8) has occurred and is continuing and no Default or Event of
Default shall occur or result from the consummation of this Agreement and the
transactions contemplated hereby; and

       

      (f) after
giving effect to Section 1(a) of this Amendment, no Termination Event (as
defined in Amendment No. 8) has occurred.

       

      
        
           

        

        
           

          
            

          

        

        
           

        

        
          
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      7. Conditions
Precedent.  The satisfaction of each of the following shall
constitute conditions precedent to the effectiveness of this
Agreement:

       

      (a) The
Holders shall have received this Agreement fully executed by each of the parties
hereto;

       

      (b) The
Holders shall have received the KERP, in form and substance satisfactory to the
Holders;

       

      (c) The
Holders shall have received the Budget, in form and substance satisfactory to
the Holders;

       

      (d) The
Holders shall have received a copy of a fully executed consent to this Agreement
from the Senior Creditor;

       

      (e) The
Holders shall have received a copy of a fully executed amendment to the
Intercreditor Agreement, executed by the Holders, the Collateral Agent and the
Senior Creditor;

       

      (f) The
Holders shall have received evidence that all corporate action (including,
without limitation, board resolutions) has been taken by the Company to approve
this Agreement;

       

      (g) The
Collateral Agent shall have received payment in full of any costs and expenses
(including, without limitation, the fees of Morgan, Lewis & Bockius LLP, its
legal counsel) incurred by the Collateral Agent in connection with the Financing
Agreements and this Agreement;

       

      (h) The
representations and warranties set forth in this Agreement, the Securities
Purchase Agreement, as updated by Schedules thereto previously delivered to the
Lender, and each of the other Financing Agreements (other than the
representations and warranties set forth in Sections 4.5 and 4.8 of the
Securities Purchase Agreement) shall be true and correct in all material
respects on and as of the date hereof, as though made on such date (except to
the extent such representations and warranties expressly relate solely to an
earlier date);

       

      (i) After
giving effect to Section 1(a) of this Amendment, no Default or Event of Default
(other than the Identified Events of Default, as such term is defined in
Amendment No. 8) shall have occurred and be continuing on the date hereof, nor
shall any Default or Event of Default result from the consummation of the
transactions contemplated herein;

       

      (j) No
injunction, writ, restraining order, or other order of any nature prohibiting,
directly or indirectly, the consummation of the transactions contemplated herein
shall have been issued and remain in force by any court or other governmental
authority against the Company, the Collateral Agent or any Holder;
and

       

      (k) After
giving effect to Section 1(a) of this Amendment, no Termination Event (as
defined in Amendment No. 8) shall have occurred.

       

      
        
           

        

        
           

          
            

          

        

        
           

        

        
          
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      The date
upon which the last of the foregoing events shall have occurred shall be
referred to as the “Effective
Date.”

       

      8. Control.
 The Company
acknowledges and agrees that the Collateral Agent and the Holders have not
exerted any measure of control over the Company, its business or any property
(real and/or personal) of the Company, nor does the business plan of the Company
relating to the agreements herein provide for or contemplate any of the
aforementioned measures of control.  As such, the Company acknowledges
and agrees that the Collateral Agent and the Holders have not taken, nor does
said plan provide for or contemplate the Collateral Agent or any of the Holders
taking, any action that would make the Collateral Agent or any of the Holders an
“insider” or a “joint venture partner” of the Company.

       

      9. Business
Purpose; Compliance With Usury Laws.  The Company represents
and warrants to the Holders that the extensions of credit made under the
Securities Purchase Agreement (the “Loans”) are made
solely for business purposes.  All agreements between the Company, the
Collateral Agent and the Holders are hereby expressly limited so that in no
event whatsoever, whether by reason of acceleration of maturity of the
indebtedness evidenced by the Financing Agreements or otherwise, shall the
amount paid or agreed to be paid to the Holders for the use or the forbearance
of the indebtedness evidenced by the Financing Agreements exceed the maximum
rate of interest permissible under applicable law.  As used herein,
the term "applicable
law" shall mean the law in effect as of the date hereof, provided, however, that in the
event there is a change in the law which results in a higher permissible rate of
interest, then such indebtedness shall be governed by such new law as of its
effective date.  In this regard, it is expressly agreed that it is the
intent of the Company, the Collateral Agent and each of the Holders in the
execution and delivery of this Agreement to contract in strict compliance with
the laws that are applicable to the Loans as set forth in the Financing
Agreements from time to time in effect.  If, under or from any
circumstances whatsoever, fulfillment of any provision hereof or of any of the
Financing Agreements at the time performance of such provision shall be due,
shall exceed the limits prescribed by such applicable law, then the obligation
to be fulfilled shall automatically be reduced to such applicable limit, and if
under or from any circumstances whatsoever any of the Holders should ever
receive as interest an amount which would exceed the highest lawful rate, such
amount which would be excessive interest shall be applied to the reduction of
the principal balance evidenced hereby and not to the payment of
interest.

       

      10. Assignment.  The
Company may not assign, delegate or transfer this Agreement or any of its rights
or obligations hereunder any delegation, transfer or assignment in violation
hereof shall be null and void.  No rights are intended to be created
under this Agreement for the benefit of any third party donee, creditor or
incidental beneficiary of the Company or any other person or entity other than
the Holders.  Each Holder’s ability to assign, sell or transfer all of
any part of this Agreement shall be governed by the Securities Purchase
Agreement.  The Company hereby agrees that, upon receiving notice
information for said assignee, the Company shall deliver to said assignee any
and all notices and reports to said assignee that the Company is required to
provide to the Collateral Agent or the Holders under the Financing
Agreements.

       

      11. Entire
Agreement; Amendments and Waivers.  There are no other
understandings, express or implied, between the Collateral Agent, the Holders,
the Company or Guarantor regarding the subject matter hereof.  This
Agreement may not be amended or modified, and no provision of this Agreement may
be waived, orally but only by a written agreement executed and approved in
accordance with Section 19 of the Securities Purchase Agreement.

       

      
        
           

        

        
           

          
            

          

        

        
           

        

        
          
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      12. Choice of
Law.  The validity of this Agreement, its construction,
interpretation and enforcement, and the rights of the parties hereunder, shall
be determined under, governed by, and construed in accordance with the laws of
the Commonwealth of Massachusetts without regard to conflicts of laws
principles.

       

      13. Construction.  This
Agreement constitutes a Financing Agreement.  Upon and after the
Effective Date, each reference in the Securities Purchase Agreement to “this
Agreement,” “hereunder,” “herein,” “hereof” or words of like import referring to
the Securities Purchase Agreement, and each reference in the other Financing
Agreements to “the Securities Purchase Agreement,” “thereunder,” “therein,”
“thereof,” or words of like import referring to the Securities Purchase
Agreement, shall mean and be a reference to the Securities Purchase Agreement as
amended hereby.

       

      14. Counterparts;
Delivery by Facsimile or Electronic Mail.  This Agreement may
be executed in any number of counterparts and by different parties in separate
counterparts, each of which when so executed and delivered, shall be deemed an
original, and all of which, when taken together, shall constitute one and the
same instrument.  Delivery of an executed counterpart of a signature
page to this Agreement by facsimile or electronic mail shall be as effective as
delivery of a manually executed counterpart of this Agreement.  Any
party delivering an executed counterpart of this Agreement by facsimile or
electronic mail also shall deliver a manually executed counterpart of this
Agreement but the failure to deliver a manually executed counterpart shall not
affect the validity, enforceability, and binding effect of this
Agreement.

       

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      IN
WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as
of the date first above written.

       

      

      

      NATIONAL
INVESTMENT MANAGERS, INC.

      

      

      

      By:_/s/ Steven J.
Ross______________________

      Name:
Steven J. Ross

      Title:
CEO

      

      
        
           

        

        
           

          
            

          

        

        
           

        

        
          
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      WOODSIDE CAPITAL PARTNERS IV,
LLC, as a Holder

      

      By:    Woodside
Opportunity Partners, LLC, its Manager

      By:    Woodside Capital
Management, LLC, its Manager 

      

      By: /s/ Daphne
Firth                                                                                     

      Name:
Daphne Firth

      Title:
Executive Vice President

      

      WOODSIDE CAPITAL PARTNERS IV QP,
LLC, as a Holder

      

      By:    Woodside
Opportunity Partners, LLC, its Manager

      By:    Woodside Capital
Management, LLC, its Manager 

      

      By: /s/ Daphne
Firth                                                                                                

      Name:
Daphne Firth

      Title:
Executive Vice President

      

      
        WOODSIDE CAPITAL PARTNERS V,
LLC, as a Holder

      

      

      
        	
                 
      

              	
                By:

              	
                Woodside
      Opportunity Partners II, LLC, its
Manager

              

      

      
        	
                 
      

              	
                By:

              	
                Woodside
      Capital Management, LLC, its
Manager

              

      

      

      By: /s/ Daphne
Firth                                                                                                

       Name:
Daphne Firth

       Title:
Executive Vice President

      

      
        WOODSIDE CAPITAL PARTNERS V QP,
LLC, as a Holder

      

      

      
        	
                 
      

              	
                By:

              	
                Woodside
      Opportunity Partners II, LLC, its
Manager

              

      

      
        	
                 
      

              	
                By:

              	
                Woodside
      Capital Management, LLC, its
Manager

              

      

      

      By: /s/ Daphne
Firth                                                                                                

       Name:
Daphne Firth

       Title:
Executive Vice President

      

      WOODSIDE AGENCY SERVICES, LLC,
as Collateral Agent

      

      By:       Woodside
Capital Management, LLC, its Manager

      

      By: /s/ Daphne
Firth                                                                                     

       Name:
Daphne Firth

       Title:
Executive Vice President

       

      
        
           

        

        
           

          
            

          

        

        
           

        

        
          
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      Guarantors’
Acknowledgement

      

      Each of the undersigned Guarantors
hereby (a) acknowledges and consents to the foregoing Agreement and the
Company’s execution thereof; (b) joins the foregoing Agreement; (c) ratifies and
confirms all of their respective obligations and liabilities under the Financing
Agreements to which any of them is a party and ratifies and confirms that such
obligations and liabilities extend to and continue in effect with respect to,
and continue to guarantee and secure, as applicable, the Obligations under the
Securities Purchase Agreement and other Financing Agreements; (d) acknowledges
and confirms that the liens and security interests granted pursuant to the
Security Documents are and continue to be valid and perfected liens and security
interests, junior in priority only to the liens and security interests of the
Senior Creditor pursuant to the Intercreditor Agreement, that secure all of the
Obligations on and after the date hereof; and (e) acknowledges, affirms and
agrees that, as of the date hereof, such Guarantor does not have any defense,
claim, cause of action, counterclaim, offset or right of recoupment of any kind
or nature against any of their respective obligations, indebtedness or
liabilities to the Collateral Agent or any Holder.

       

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      ABR
ADVISORS, INC.

      ALAN
N. KANTER & ASSOCIATES, INC.

      ALASKA
PENSION SERVICES, LTD.

      ASSET
PRESERVATION CORP.

      BENEFIT
DYNAMICS, INC.

      
        	
                 
      

              	
                BENEFIT
      MANAGEMENT INC.

              

      

      
        	
                 
      

              	
                BPI/PPA,
      INC.

              

      

      
        	
                 
      

              	
                CALIFORNIA
      INVESTMENT ANNUITY SALES, INC.

              

      

      
        	
                 
      

              	
                CIRCLE
      PENSION, INC.

              

      

      COMPLETE
INVESTMENT MANAGEMENT, INC. OFPHILADELPHIA

      HADDON
STRATEGIC ALLIANCES, INC.

      LAMORIELLO
& CO., INC.

      NATIONAL
ACTUARIAL PENSIONSERVICES, INC.

      NATIONAL
ASSOCIATES, INC., N.W.

      PENSION
ADMINISTRATION SERVICES,INC.

      PENSION
TECHNICAL SERVICES, INC.(d/b/a REPTECH CORP.)

      PENTEC,
INC.

      PENTEC
CAPITAL MANAGEMENT, INC.

      SOUTHEASTERN
PENSION SERVICES,INC.

      STEPHEN
H. ROSEN & ASSOCIATES, INC.

      THE
PENSION ALLIANCE, INC.

      THE
PENSION GROUP, INC.

      VEBA
ADMINISTRATORS, INC.

      VALLEY
FORGE ENTERPRISES, LTD.

      V.F.
ASSOCIATES, INC.

      VF
INVESTMENT SERVICES CORP.

      VALLEY
FORGE CONSULTINGCORPORATION

       

      By:/s/ Steven J.
Ross                                                                

      
        	
                 
      

              	
                Name:
      Steven J. Ross

              

      

      Title:  CEOExhibit
10.75

       

      
        EMPLOYMENT
AGREEMENT

         

        This
Employment Agreement (“Agreement”) is entered on November 30, 2007 (the
“Execution Date”) and is effective as of the closing of the Lehman/Woodside
financing (“Effective Date”) between National Investment Managers Inc.
(“Company”) and Steven J. Ross (“Executive”).

         

        RECITALS

         

        Company
wishes to employ Executive as its Chief Executive Officer and Executive wishes
to accept such employment under the terms and conditions set forth in this
Agreement.

         

        IT IS AGREED as
follows:

         

        1. Employment.  Company
hereby employs Executive as its Chief Executive Officer.  Executive
accepts such employment.

         

        2. Term.  The term of
employment under this Agreement shall commence on the Effective Date and shall
continue, unless otherwise terminated earlier under Section 11, until December
31, 2009.  The Term shall be automatically extended for an additional
one (1) year period unless at least thirty (30) days prior to such anniversary
date, either Company or Executive furnishes the other with written notice that
the Term not be so extended.

         

        3. Duties.  Executive
shall devote his full-time efforts to the proper and faithful performance of all
duties customarily discharged by a Chief Executive Officer, consistent with
Company policies and budgets and directives of Company’s Board of Directors,
together with any additional duties assigned to him from time to time by the
Board of Directors.  Executive agrees to use his best efforts and
comply with all fiduciary and professional standards in the performance of his
duties.  Executive shall provide services to any subsidiary of Company
without additional compensation and benefits beyond those set forth in this
Agreement.  Executive shall serve on the Board(s) of Directors of
Company and any subsidiary.

         

        4. Base
Salary.  Executive shall be paid an initial base salary of Four
Hundred Seventy-Five Thousand Dollars ($475,000.00) per annum for the Term
payable, less applicable withholding, in equal monthly payments or more
frequently in accordance with Company’s regular practice.  Upon
extension of the Term, Executive’s base salary will be set by the Compensation
Committee of Company; provided, however, that Executive’s base salary shall not
be reduced from the base salary in effect prior to the extension of the
Term.  In addition to his base salary, Executive shall receive
non-cash compensation for service on the Board of Directors in an amount
consistent with the non-cash compensation of other non-employee Board members,
including annual stock option grants issued to Board members.

         

        5. Bonus.  Executive
shall be eligible to receive an incentive bonus during each fiscal year of the
Term.  The annual bonus shall be targeted at fifty percent (50%) of
Executive’s base salary based upon the achievement of certain targets to be
determined by the Company’s Board of Directors; provided, however, the annual
bonus for the second year of the contract shall be targeted at sixty-five
percent (65%) of Executive’s base salary based upon the achievement of certain
targets to be determined by the Company’s Board of Directors.  The
Executive remains eligible for payment of the 2007 fiscal year
bonus.

         

        
          
             

          

          
             

            
              

            

          

          
             

          

          
            Exhibit
10.75

             

          

        

        6. Restricted
Stock.  700,000 shares of Restricted Stock provided for in the
October 24, 2006 Employment Agreement and not yet issued shall be issued on
January 2, 2008.  Executive shall receive an additional grant of
200,000 shares of restricted stock in the Company, of which 100,000 shares are
to be issued on December 31, 2008, and 100,000 shares on December 31, 2009, or
immediately upon contract termination.  Executive is granted piggyback
registration rights on all shares issued pursuant to this contract.

         

        7. Stock
Options.  Executive retains previously granted stock options to
acquire 400,000 shares of common stock of the Company.  Provided that
(i) Executive’s employment shall not have been terminated by the Company for
Cause or (ii) Executive’s employment shall not have been terminated due to
Disability, or (iii) Executive shall not have terminated his employment for
other than Good Reason, Executive shall also receive an option grant to purchase
800,000 shares of the Company stock at $0.57, of which 400,000 will vest on
December 31, 2008 and 400,000 will vest on December 31, 2009.

         

        8. Change of
Control.

         

        
          	
                  (a)  

                	
                  Definitions

                

        

         

        
          	
                  (i)  

                	
                  A
      "Change of Control" shall be deemed to have occurred if any of the
      following occurs with respect to the
Company

                

        

         

        
          	
                  (1)  

                	
                  Any
      person or group of persons (within the meaning of the Securities Exchange
      Act of 1934) shall have acquired beneficial ownership (within the meaning
      of Rule 13D-3 promulgated by the Securities and Exchange Commission under
      the Securities Exchange Act of 1934,) of 50% or more of the issued and
      outstanding shares of capital stock of the Company having the right to
      vote for the election of directors of the Company under ordinary
      circumstance;

                

        

         

        
          	
                  (2)  

                	
                  a
      merger or consolidation in which the Company is not the surviving
      entity;

                

        

         

        
          	
                  (3)  

                	
                  the
      sale, exchange, or transfer of all or substantially all of the assets of
      the Company;

                

        

         

        
          	
                  (4)  

                	
                  a
      liquidation or dissolution of the Company;
or

                

        

         

        
          	
                  (5)  

                	
                  a
      repayment in full in cash of all obligations of Lehman and Woodside,
      including the financing debt which closes as of the date
      hereof.

                

        

         

        
          
             

          

          
            2

            
              

            

          

          
             

          

        

        
          Exhibit
10.75

           

        

        
          	
                  (b)  

                	
                  Effect
      of Change of Control on Shares and Options.  In the event of an
      eligible Change of Control, any unissued Shares or Options shall be vested
      immediately and issued.  The vesting of the Shares or Options
      permissible solely by reason of this Section 8(b) shall be conditioned
      upon the consummation of the Change of
Control.

                

        

         

        9. Benefits.

         

        
          	
                  (a)  

                	
                  Executive
      shall be entitled to participate in all Company sponsored retirement
      plans, 401(k) plans, life insurance plans, medical insurance plans,
      short-term and long-term disability insurance plans, and such other
      benefit plans generally available from time to time to executive
      management of the Company for which he qualifies under the terms of the
      plans.  Executive’s participation in and benefits under any
      benefit plan shall be on the terms and subject to the conditions specified
      in such plan.  The Company shall supplement the insurance
      coverage and benefits in a separate executive benefits plan, including
      supplementary health insurance coverage, a minimum of $1 million life
      insurance coverage and appropriate long-term disability coverage, to be
      fully paid by Company.

                

        

         

        
          	
                  (b)  

                	
                  Executive
      will receive at least four (4) weeks of paid vacation per
      year.

                

        

         

        
          	
                  (c)  

                	
                  Executive
      shall receive a housing and office allowance of Five Thousand Dollars
      ($5,000.00) per month.

                

        

         

        
          	
                  (d)  

                	
                  The
      Company shall maintain directors’ and officers’ insurance for the benefit
      of Executive of the type and with at least the same coverage as the
      directors’ and officers’ insurance currently in
  effect.

                

        

         

        10. Reimbursement of
Expenses.  The Company will reimburse Executive for the
ordinary and necessary expenses incurred by him in the performance of his duties
under this Agreement in accordance with the Company’s policies in effect from
time to time (it being understood that such expenses shall not include housing
expenses in the New York area or office expenses in California, it being
understood that the allowance set forth in Section 9(c) may be applied in
payment of such expenses).

         

        11. Termination of
Employment.

         

        
          	
                  (a)  

                	
                  Executive’s
      employment under this Agreement may be terminated at any time by the Board
      of Directors of Company for Cause.

                

        

         

        
          	
                  (b)  

                	
                  Executive’s
      employment under this Agreement shall terminate upon expiration of the
      Term without extension as described in Section
  2.

                

        

         

        
          	
                  (c)  

                	
                  Executive’s
      employment under this Agreement shall terminate upon his resignation or
      death.

                

        

         

        
          	
                  (d)  

                	
                  Executive’s
      employment under this Agreement shall terminate upon written notice by
      Company to Executive of a termination due to
  Disability.

                

        

         

        
          
             

          

          
            3

            
              

            

          

          
             

          

        

        
          Exhibit
10.75

           

        

        
          	
                  (e)  

                	
                  If
      Executive’s employment terminates for Cause, Company shall be obligated
      only to continue to pay Executive’s base salary and, to the extent earned,
      accrued and unpaid, annual incentive bonus and vacation pay, and furnish
      the then existing benefits under Section 9 up to the date of termination;
      provided, that if Executive’s employment is terminated as a result of
      Executive’s Disability, Executive shall remain eligible for benefits under
      any long-term disability program of Company, as amended from time to time,
      as long as his Disability continues.  Executive shall also be
      entitled to reimbursement of all
expenses.

                

        

         

        
          	
                  (f)  

                	
                  If
      Executive’s employment is terminated by Company or Board of Directors
      other than for Cause (which shall not include termination in connection
      with non-renewal pursuant to Section 2), or in the event the Executive
      terminates employment for Good Reason, or in the event of a Change in
      Control, in addition to the amounts payable under Section 11(e), Executive
      shall be entitled to receive (a) a lump sum payment equivalent to one year
      of his current base salary and the targeted bonus compensation pursuant
      hereto payable for such year and medical and other insurance benefits
      under Section 9(a) for a period of twelve (12) months or (b) if there are
      more than twelve (12) months remaining in the Term at the time of
      termination, payment of current base salary for such period in excess of
      twelve (12) months and any targeted bonus compensation (if any) for any
      subsequent year during the Term, in each case, payable as and when such
      amounts would have been paid in the absence of termination; provided that,
      in the event of termination in the event of a Change of Control, the
      amounts set forth in this clause (b), if any, shall be paid upon
      termination in a lump sum.  Further, if Executive’s employment
      is terminated by Company or Board of Directors other than for Cause (but
      excluding termination in connection with non-renewal pursuant to Section
      2), or in the event the Executive terminates employment for Good Reason,
      or in the event of a Change in Control, in addition to the amounts payable
      under Section 11(e) and 11(f), Executive shall be entitled to receive any
      restricted stock not yet issued at the time of termination, including the
      100,000 shares due December 31, 2009, will be issued to Executive, and any
      options granted Executive not yet vested will fully
      vest.  Further, (a) if Executive’s employment is terminated due
      to non-renewal by Company pursuant to Section 2 at the end of the Term
      where the Executive has offered to continue Executive’s employment on
      substantially similar terms, but Company declines, Executive shall be
      entitled to receive a lump sum payment equivalent to nine (9) months of
      his current base salary, (b) if Executive’s employment is terminated due
      to a non-renewal by Executive pursuant to Section 2 at the end of the Term
      where the Company has offered to continue Executive’s employment on
      substantially similar terms, but Executive declines, no additional
      payments will be made, and (c) in the event of any other non-renewal at
      the expiration of the Term, no additional payments will be
      made.  As a condition to the salary and benefit continuation
      under this Section 11(f), Executive must first execute and deliver to
      Company, in a form prepared by Company, a release of all claims against
      Company and other appropriate parties, excluding Company’s performance
      under this Section 11(f) and of Executive’s vested rights under any
      Company sponsored retirement plans, 401(k) plans and stock ownership
      plans.  Executive shall also be entitled to reimbursement of all
      expenses.

                

        

         

        
          
             

          

          
            4

            
              

            

          

          
             

          

          
            Exhibit
10.75

             

          

        

        12. Definitions.  The
meaning of certain terms in this Agreement are as follows:

         

        
          	
                  (a)  

                	
                  “Cause”
      shall consist of any of the
following:

                

        

         

        
          	
                  (i)  

                	
                  the
      Executive is convicted of, or has pleaded guilty or entered a plea of nolo
      contendere to, a felony (under the laws of the United States or any state
      thereof);

                

        

         

        
          	
                  (ii)  

                	
                  fraudulent
      conduct by the Executive in connection with the business or other affairs
      of the Company or any related company or the theft, embezzlement, or other
      criminal misappropriation of funds by the Executive from the Company or
      any related company;

                

        

         

        
          	
                  (iii)  

                	
                  the
      Executive’s failure to perform the duties of Chief Executive Officer,
      after reasonable notice has been provided of such non-performance and, if
      such failure is curable, Executive has not cured such failure within a
      reasonable period following such notice;
or

                

        

         

        
          	
                  (iv)  

                	
                  the
      Executive’s failure to comply with reasonable directives of the Board
      which are communicated to him in writing, after reasonable notice has been
      provided of such non-performance and, if such failure is curable,
      Executive has not cured such failure within a reasonable period following
      such notice.

                

        

         

        
          	
                  (b)  

                	
                   “Disability”
      means the inability of Executive, due to injury, illness, disease or
      bodily or mental infirmity, to engage in the performance of his material
      duties of employment with Company as determined in good faith by Company,
      for (i) any period of one hundred twenty (120) consecutive days or (ii) a
      period of one hundred eighty days (180) in any continuous twenty-four (24)
      month period, provided that interim returns to work of less than ten (10)
      consecutive business days in duration shall not be deemed to interfere
      with a determination of consecutive absent days if the reason for absence
      before and after the interim return are the same.  Benefits to
      which Executive is entitled under any disability policy or plan provided
      by Company shall reduce the base salary paid to Executive during any
      period of Disability on a dollar-for-dollar
  basis.

                

        

         

        
          	
                  (c)  

                	
                  “Good
      Reason” means (a) any material reduction in the Base Salary or executive
      duties and responsibilities of the Executive or (b) any material breach by
      the Company of this Agreement that continues without cure for a period of
      thirty (30) days after notice of such breach is given by Executive to the
      Company.

                

        

         

        13. Confidential
Information.  During Executive’s employment with the Company
and at all times after the termination of such employment, regardless of the
reason for such termination, Executive shall hold all Confidential Information
relating to the Company in strict confidence and shall not use, disclose or
otherwise communicate the Confidential Information to anyone other than the
Company without the prior written consent of the
Company.  “Confidential Information” includes, without limitation,
financial information, trade secrets, business plans, business methods or
practices, market studies, customer lists, referral lists and other proprietary
business information of the Company.  “Confidential Information” shall
not include information which is or becomes in the public domain through no
action by Executive or information which is generally disclosed by the Company
to third parties without restrictions on such third
parties.  Executive shall return all Confidential Information to the
Company upon termination of employment.

         

        
          
             

          

          
            5

            
              

            

          

          
             

          

        

        
          Exhibit
10.75

           

        

        14. Solicitation of
Customers.  During his employment with the Company and for a
period after the termination of Executive’s employment, regardless of the reason
for the termination, equal to one (1) year in addition to the period for which
Executive receives payment of his base salary under Section 11(e) of (f) (the
“Non-Solicitation Period”), Executive shall not influence or attempt to
influence, directly or indirectly, any customer of the Company to divert its
business away from the Company.

         

        15. Soliciting
Employees.  Executive agrees that during his employment with
the Company and during the Non-Solicitation Period, he will not directly or
indirectly solicit any person who is then, or at any time within six months
prior thereto was, an employee of the Company to work for any person or
entity.

         

        16. Non-Competition.  During
his employment with the Company and for a period after termination of
Executive’s employment, regardless of the reason for the termination, equal to
one (1) year in addition to the period for which Executive receives payment of
his base salary under Section 11(e) or (f), Executive shall not, directly or
indirectly, in any capacity:

         

        
          	
                  (a)  

                	
                  Engage,
      own or have any interest in;

                

        

         

        
          	
                  (b)  

                	
                  Manage,
      operate, join, participate in, accept employment with, render advice to,
      or become interested in or be connected
with;

                

        

         

        
          	
                  (c)  

                	
                  Furnish
      consultation or advice to; or

                

        

         

        
          	
                  (d)  

                	
                  Permit
      his name to be used in connection
with;

                

        

         

        any
person or entity that is engaged in the business of retirement plan consulting,
design or administration.  Notwithstanding the foregoing, holding five
percent (5%) or less of an interest in the equity, stock options or debt of any
publicly traded company shall not be considered a violation of this Section
16.

         

        17. Remedies.  In the
event of a material breach or threatened material breach of Section 13, Section
14, Section 15 or Section 16, Company, in addition to its other remedies at law
or in equity, shall be entitled to injunctive or other equitable relief in order
to enforce or prevent any violations of the aforementioned
Sections.  In the event of any such material breach, if applicable
Company may immediately cease payment of Executive’s base salary and the
providing to Executive of benefits under Section 11(e) or (f).

         

        
          
             

          

          
            6

            
              

            

          

          
             

          

        

        
          Exhibit
10.75

           

        

        18. Severability and
Savings.  Each provision in this Agreement is separate. If
necessary to effectuate the purpose of a particular provision, the Agreement
shall survive the termination of Executive’s employment with the
Company.  If any provision of this Agreement, in whole or in part, is
held to be invalid or unenforceable, the parties agree that any such provision
shall be deemed modified to make such provision enforceable to the maximum
extent permitted by applicable law. As to any provision held to be invalid or
unenforceable, the remaining provisions of this Agreement shall remain in
effect.

         

        19. Binding
Effect.  This Agreement shall be binding upon and shall inure
to the benefit of Company and its successors and assigns. This Agreement shall
be binding upon and inure to the benefit of Executive, his heirs and personal
representatives.  This Agreement is not assignable by
Executive.

         

        20. Miscellaneous.

         

        
          	
                  (a)  

                	
                  No
      provision of this Agreement may be modified, waived or discharged unless
      such waiver, modification or discharge is agreed to in writing and signed
      by the Company and Executive.  The waiver or nonenforcement by
      the Company of a breach by Executive of any provision of this Agreement
      shall not be construed as a waiver of any subsequent breach by
      Executive.

                

        

         

        
          	
                  (b)  

                	
                  Any
      notice under this Agreement must be in writing and delivered personally or
      by overnight courier, sent by facsimile transmission or mailed by
      registered or certified mail to the parties at their respective
      addresses.

                

        

         

        
          	
                  (c)  

                	
                  This
      Agreement shall be governed by the laws of the State of
      California.

                

        

         

        
          	
                  (d)  

                	
                  This
      Agreement may be executed in counterparts, which together shall constitute
      one Agreement.

                

        

         

        
          	
                  (e)  

                	
                  By
      their signatures below, the parties acknowledge that they have had
      sufficient opportunity to read and consider, and that they have carefully
      read and considered, each provision of this Agreement and that they are
      voluntarily signing this Agreement.

                

        

         

        
          	
                  (f)  

                	
                  All
      notices and other communications under this Agreement shall be in writing
      and may be given by personal delivery, registered or certified mail,
      postage prepaid, return receipt requested or generally recognized
      overnight delivery service.  Notices shall be sent to the
      appropriate party at the following
addresses:

                

        

         

                              Executive:  7
Canyon Rim, Newport Coast, CA 92657

         

                                              Company:  545
Metro Place South, Suite 100, Dublin, OH 43017

        

                                All
such notices and communications shall be deemed received upon (a)
actual

                                receipt
by addressee or (b) actual delivery to the appropriate address.

         

        
          
             

          

          
            7

            
              

            

          

          
             

          

        

        
          Exhibit
10.75

        

        
          	
                  (g)  

                	
                   This
      Agreement may be executed in counterparts, both of which shall be
      considered an original, but both of which together shall constitute the
      same instrument.

                

        

         

        
          	
                  (h)  

                	
                  This
      Agreement contains the complete statement of all arrangements between the
      parties with respect to its subject matter, supersedes all prior
      agreements between them with respect to that subject matter, and may not
      be changed or terminated orally.  Any amendment or modification
      must be in writing and signed by the party to be
  charged.

                

        

         

        21. Indemnification. The Company
shall defend, indemnify and hold harmless Executive (and his heirs and personal
representatives) in his capacity as an officer of the Company to the fullest
extent permitted by applicable law against any losses or damages incurred by
Executive in connection with any action, suit or proceeding to which Executive
may be made a party by reason of his being or having been an officer or director
of the Company, or because of actions taken by Executive which were believed by
Executive to be in the best interests of the Company and not in violation of
applicable law, and Executive shall be entitled to be covered by any directors’
and officers’ liability insurance policies which the Company maintains for the
benefit of its directors and officers, subject to the limitations of any such
policies. The Company shall have the right to assume, with legal counsel of its
choice, who shall be reasonably acceptable to Executive, the defense of
Executive in any such action, suit or proceeding for which the Company is
providing indemnification to Executive. Should Executive determine to employ
separate legal counsel in any such action, suit or proceeding, any costs and
expenses of such separate legal counsel shall be the sole responsibility of
Executive unless the Executive shall have reasonably concluded, based upon the
written of legal counsel to the Executive, a copy of which shall be furnished to
the Company, that there may be conflicts in the defenses available to the
Executive which are different from or additional to those available to the
Company (if the Company is also a party or potential party to the claim), in
which case the reasonable costs and expenses of such separate legal counsel
shall be borne by the Company. If the Company does not assume the defense of any
such action, suit or proceeding, the Company shall, upon the request of the
Executive, promptly advance or pay any amount for costs or expenses, including
the reasonable fees of counsel retained by Executive, incurred by Executive in
connection with such action, suit or proceeding; provided that Executive agrees
in writing to repay any such amounts advanced if it is ultimately determined by
a court of competent jurisdiction that Executive is not entitled to such
indemnification. Executive shall be entitled to indemnification under this
clause regardless of any subsequent amendments of the Certificate Of
Incorporation or By-Laws of the Company.

         

        The
parties have executed this Agreement as of the Execution Date.

        

        By: /s/ Steven J.
Ross

        Steven J. Ross

        

        

        National Investment Managers
Inc.

        By: /s/ Richard J.
Berman

        Richard Berman, Chairman

         

        
          
             

          

          
            8

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