Document:

flhealthykidscontract.htm

    
Exhibit 10.1

      Back to Form 8-K

      MEDICAL
SERVICES CONTRACT

      

      FLORIDA
HEALTHY KIDS CORPORATION

      

      AND

      

      HEALTHEASE

      

      FOR

      

      Bay,
Citrus, Clay, Duval, Martin, Nassau, and Washington Counties

      

      AND

      

      WELLCARE
OF FLORIDA/STAYWELL HEALTHPLAN

      

      FOR

      

      Broward,
Miami-Dade, Hernando, Hillsborough, Orange, Osceola, Palm Beach, and St. Lucie
Counties

      

      October
1, 2008

      

        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 1 of
57

            
              

            

          

          
             

          

        

      FLORIDA
HEALTHY KIDS CORPORATION

      CONTRACT
FOR MEDICAL SERVICES

      

      TABLE OF
CONTENTS

      

      

      SECTION
1                                DEFINITIONS

       

      
        
          	
                  1-1

                	
                  “Applicant”

                
	
                  1-2

                	
                  “Children’s
      Medical Services network” (CMS network)

                
	
                  1-3

                	
                  “Commencement
      Date”

                
	
                  1-4

                	
                  “Comprehensive
      Medical Care Services”

                
	
                  1-5

                	
                  “Contract
      Year”

                
	
                  1-6

                	
                  “Co-Payment”

                
	
                  1-7

                	
                  “Effective
      Date”

                
	
                  1-8

                	
                  “Enrollee”

                
	
                  1-9

                	
                  “Executive
      Director”

                
	
                  1-10

                	
                  “Florida
      Statutes” (F.S.)

                
	
                  1-11

                	
                  “Program”

                
	
                  1-12

                	
                  “Providers”

                
	
                  1-13

                	
                  “Request
      for Proposals”

                
	
                  1-14

                	
                  “State
      Children’s Health Insurance Program (SCHIP)” or “Title
  XXI”

                
	
                  1-15

                	
                  “Subcontractor”

                

        

SECTION
2                                FHKC

      

        
          	
                  2-1

                	
                  Coordination
      of Benefits

                
	
                  2-2

                	
                  Enrollee
      Identification

                
	
                  2-3

                	
                  Payment
      to INSURER

                

        

SECTION
3                                INSURER
RESPONSIBILITIES

       

      
      

       

      
        	
                3-1

              	
                Access
      to Care

              

        
        

      

                      3-1-1       Provider
Credentialing

      
        	
                 
      

              	
                A.

              	
                Primary
      Care Providers

              

      

      
        	
                 
      

              	
                B.

              	
                Facility
      Standards

              

      

      
        	
                 
      

              	
                C.

              	
                Behavioral
      Health Care and Substance Abuse
Providers

              

      

      3-1-2      
Geographical Access

      
        	
                 
      

              	
                A.

              	
                Primary
      Care Medical Providers

              

      

      
        	
                 
      

              	
                B.

              	
                Specialty
      Care Medical Providers

              

      

      3-1-3       Appointment
Standards

      A.          Definitions

      B.        
  Appointment Access

      
        	
                3-2

              	
                Failure
      to Provide Access

              

      

      
        	
                3-3

              	
                Integrity
      of Professional Advice to Enrollees

              
	 3-4	Benefits
	 3-5	Claims
      Payment
	 3-6	Continuation
      of Coverage upon Termination of this
Contract

      

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 2 of
57

          
            

          

        

        
           

        

      

      3-7           Effective
Date of Coverage

      3-8           Eligibility

      A.    
       Program Eligibility

      B.            Requests
for Eligibility Review

      C.        
   Eligibility Dispute Process

      3-9           Enrollee
Protections from Collections

      3-10         Enrollment
Procedures

      3-11         Extended
Coverage

      3-12         Fraud

      3-13         Grievances
and Complaints

      3-14         Indemnification

      3-15         Insurance

      3-16         Lobbying
Disclosure

      3-17         Medical
Records Requirements

      A.           Medical
Quality Review and Audit

      B.        
   Privacy of Medical Records

      C.         
  Requests by Enrollees for Medical Records

      3-18         Membership
and Marketing Materials

      A.           Use
of FHKC and Florida KidCare Marketing Materials

      B.          
 Member Materials

      C.      
     FHKC Approval and Review

      D.       
    Direct Marketing Restrictions

      E.            Use
of Insurer’s Name

      3-19         Notification
Requirements

      A.           Immediate
Notification Requirements

      B.      
     Monthly Notification Requirements

      3-20         Premium
Rate Provisions

      3-20-1     Premium
Rate

      3-20-2     Additional
Requirements for Premium Rates

      A.         
  Minimum Medical Loss Ratio

      B.           
Maximum Administrative Component

      3-20-3     Experience
Adjustment

      3-21           Premium
Rate Modifications

      3-21-1     Annual
Adjustment Request

      3-21-2     Annual
Premium Rate Adjustment Denials

      3-21-3     Change in
Benefit Schedule

      3-21-4     Specialty
Fee Arrangements

      3-22         Quality
Assurance

      3-23       
 Records Retention and Accessibility

      3-24        
Refusal of Coverage

      3-25         Regulatory
Filings

      3-26        
Reporting Requirements

      3-27         Subrogation
Rights

      3-28         Termination
of Participation

      3-29         Use
of Subcontractors and Affiliates

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 3 of
57

          
            

          

        

        
           

        

      

      SECTION
4                                TERMS
AND CONDITIONS

      

      4-1           Amendment

      4-2           Assignment

      4-3           Attachments

      4-4           Attorney
Fees

      4-5           Bankruptcy

      4-6           Change
of Controlling Interest

      4-7           Confidentiality

      4-8           Conflicts
of Interest; Non-Solicitation

      4-8-1       Conflicts
of Interest

      4-8-2       Gift
Prohibitions

      4-8-3       Non-Solicitation

      4-9           Effective
Dates

      4-10         Entire
Understanding

      4-11         Force
Majeure

      4-12         Governing
Law; Venue

      4-13         Independent
Contractor

      4-14         Name
and Address of Payee

      4-15         Notice
and Contact

      4-16         Severability

      4-17         Survival

      4-18         Termination
of Contract

      A.           Termination
for Lack of Funding

      B.          
 Termination for Lack of Payment or Performance

      C.          
 Termination for Material Breach

      D.           
Termination upon Revision of Applicable Law

      E.            
Termination By FHKC

      

      ATTACHMENTS

      A.     
      Certification Regarding
Debarment

      B.            Certification
Regarding Lobbying

      C.   
        HIPAA Business Associate (BA)
Agreement

      D.     
      Enrollee Benefit Schedule

      E.    
       List of Required Reports

      F.       
    Disclosure Form

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 4 of
57

          
            

          

        

        
           

        

      

      CONTRACT
TO PROVIDE COMPREHENSIVE MEDICAL SERVICES

      

      THIS Contract is entered into between
the Florida Healthy Kids Corporation (“FHKC”) and WellCare of Florida,
Inc.  (“INSURER”).

      

      SECTION
1                                DEFINITIONS

      

      As used
in this Contract, the term:

      

      
        	
                1-1

              	
                “Applicant”
      means a parent or guardian of a child or a child whose disability of
      nonage had been removed under chapter 743, F.S. who applies for
      determination of eligibility for health benefits coverage under ss.
      409.810-820 F.S.

              

      

      

      
        	
                1-2

              	
                “Children’s
      Medical Services network” (CMS network) means the statewide managed care
      system which includes health care providers, as defined in Section
      391.021(1), F.S., which is financed by Title XXI. CMS network as used
      under this Contract does not include any additional programs and services
      by or through CMS network or which are not funded by Title XXI (such
      services colloquially and collectively known in the regular course of
      business as “the CMS Safety Net
Program”).

              

      

      

      
        	
                1-3

              	
                “Commencement
      Date” means that date on which INSURER commenced performance of
      Comprehensive Medical Care Services to
  Enrollees.

              

      

      

      
        	
                1-4

              	
                “Comprehensive
      Medical Care Services” means those services, medical equipment and
      supplies to be provided by INSURER in accordance with the standards set by
      FHKC and further described in Attachment
C.

              

      

      

      
        	
                1-5

              	
                “Contract
      Year” means October 1 through September 30th.

              

      

      

      
        	
                1-6

              	
                “Co-Payment”
      means the payment required of the Enrollee at the time of obtaining
      service.

              

      

      

      
        	
                1-7

              	
                “Effective
      Date” means the last date on which the last Party to this Contract
      signed.

              

      

      

      
        	
                1-8

              	
                “Enrollee”
      means an individual who meets FHKC standards of eligibility and has been
      enrolled in the Program.

              

      

      

      
        	
                1-9

              	
                “Executive
      Director” means the Executive Director of FHKC as appointed by the FHKC
      Board of Directors.

              

      

      

      
        	
                1-10

              	
                “Florida
      Statutes” (F.S.) means the Florida Statutes as amended from time to time
      by the Florida Legislature during the term of this
    Contract.

              

      

      

      
        	
                1-11

              	
                “Program”
      means the program administered by FHKC as created by and governed under
      section 624.91, F.S. and related state and federal
  laws.

              

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 5 of
57

          
            

          

        

        
           

        

      

      

      
        	
                1-12

              	
                “Providers”
      means those providers set forth in INSURER’s Response to the Request for
      Proposals (RFP) and the Enrollee handbook as from time to time may be
      amended.

              

      

      

      
        	
                1-13

              	
                “Request
      for Proposals” means the invitation document issued by FHKC to interested
      parties inviting INSURER and other entities to submit proposals for the
      provision of Comprehensive Medical Care
  Services.

              

      

      

      
        	
                1-14

              	
                “State
      Children’s Health Insurance Program (SCHIP)” or “Title XXI” shall mean the
      program created by the federal Balanced Budget Act of 1997 as Title XXI of
      the Social Security Act.

              

      

      

      
        	
                1-15

              	
                “Subcontractor”
      means any entity or person with whom INSURER has executed a contract to
      perform services covered under this Contract that may have otherwise been
      provided for directly by INSURER.

              

      

      

      SECTION
2                                FHKC

      

      2-1           Coordination
of Benefits

      

      FHKC
agrees that INSURER may coordinate health benefits with other insurers as
provided for in section 624.91 (5)(c), F.S. and this
Contract.  INSURER also agrees to coordinate benefits with any other
insurer under contract with FHKC to provide comprehensive dental care benefits
to Enrollees, including the provision of prescription coverage by the Enrollee’s
health insurer if prescribed by the Enrollee’s dental provider.

      

      If
INSURER identifies an Enrollee covered through another health benefits program,
INSURER shall notify FHKC. FHKC shall decide whether the Enrollee may continue
coverage through FHKC in accordance with the eligibility standards adopted by
FHKC and in accordance with any applicable state or federal laws.

      

      2-2           Enrollee
Identification

      

      FHKC
shall promptly furnish to INSURER enrollment information to sufficiently
identify Enrollees in the Comprehensive Medical Care Services Plan authorized by
this Contract in accordance with the following:

      

      
        	
                 
      

              	
                A.

              	
                Not
      less than seven (7) working days prior to the start of the coverage month,
      FHKC shall provide INSURER a listing of Enrollees eligible for coverage
      that month.

              

      

      

      
        	
                 
      

              	
                B.

              	
                By
      the third (3rd) day after the effective date of coverage, FHKC shall also
      furnish INSURER a supplemental listing of eligible Enrollees for that
      coverage month. INSURER shall adjust enrollment retroactively to the first
      (1st) day of that month.

              

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 6 of
57

          
            

          

        

        
           

        

      

      
        	
                 
      

              	
                C.

              	
                FHKC
      may request INSURER accept additional Enrollees after the supplemental
      listing for enrollment retroactive to the first (1st) of that coverage
      month.  Such additions will be limited to those Enrollees who
      made timely payments but were not included on the previous enrollment
      reports.  If such additions exceed more than one percent (1%) of
      that month’s enrollment, INSURER reserves the right to deny FHKC’s
      request.

              

      

      

      2-3           Payment
to INSURER

      

      FHKC will
promptly forward the authorized premiums established under Section 3-17 on or
before the first (1st) day of
each month this Contract is in force beginning October 1,
2008.  Premiums are past due if not paid by the fifteenth (15th) day of
each month.  If premiums are past due, INSURER may terminate coverage
under this Contract after giving FHKC notice of the intent to
terminate.  Termination of coverage shall be retroactive to the last
day for which premium payment has been made.

      

      SECTION
3                                INSURER
RESPONSIBILITIES

      

      3-1           Access
to Care

      

      
        	
                 
      

              	
                INSURER
      shall meet or exceed the appointment and geographic access standards for
      pediatric medical care existing in the community and as specifically
      provided in this Contract.

              

      

      

      
        	
                 
      

              	
                INSURER
      shall maintain a medical provider network, under staff or contract,
      sufficient to permit reasonably prompt medical and dental services to all
      Enrollees in accordance with the terms of this
  Contract.

              

      

      

      3-1-1       Provider
Credentialing

      

      A.      
     Primary Care Providers

      

      INSURER’s
primary care Provider network shall include only board certified pediatricians
and family practice physicians or physician extenders working under the direct
supervision of a board certified practitioner to serve as primary care
physicians in its provider network.

      

      All
primary care physicians must provide covered immunizations to
Enrollees.

      

      INSURER
shall include only licensed dentists and specialists practicing within the scope
of their professional license to serve as Providers under this
Contract.

      

      INSURER
may request that an individual Provider be granted an exemption to this
requirement by making such a request in writing to FHKC and submitting the
proposed Provider’s curriculum vitae and stating a reason why the Provider
should be granted an exception. Such requests will be reviewed by FHKC on a case
by case basis and a written response will be made to INSURER on the outcome of
the request.

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 7 of
57

          
            

          

        

        
           

        

      

       

      A medical
home, as defined by the American Academy of Pediatrics, with a board certified
pediatrician or family practice physician or an exemption provider, must be
identified for each Enrollee.

      

      B.           
 Facility Standards

      

      Facilities
used for Enrollees shall meet applicable accreditation and licensure
requirements and meet facility regulations specified by the Agency for Health
Care Administration.

      

      C.       
     Behavioral Health Care and Substance Abuse
Providers

      

      INSURER
must maintain a provider network either directly or indirectly that includes
qualified provider for child and adolescent substance abuse and behavioral
health care services.

      

      INSURER
and its subcontractors agree to adopt section 394.491, F.S. and Chapter 397,
F.S. as guiding principles in the delivery of services and supports to Enrollees
with mental health and substance abuse disorders.

      

      INSURER
shall ensure that all direct behavioral health services provided to children and
adolescents under this Contract are delivered by individuals or entities who
meet the minimal licensure and credentialing standards set forth in statutes and
rules of the Department of Children and Family Services, the Department of
Health, and the Division of Medical Quality Assurance of the Agency for Health
Care Administration, pertinent to the treatment and prevention of mental health
and substance abuse disorders in children and adolescents.

      

      INSURER,
at a minimum, shall include within its subcontracted behavioral health care
resources a psychiatric hospital licensed under Chapter 395, F. S., a crisis
stabilization unit licensed under Chapter 394, F. S., and an addiction receiving
facility, licensed under Chapter 397, F. S., which an enrolled child or
adolescent may access as needed.

      

      INSURER’s
provider network shall also include board certified child psychiatrists or
practitioners licensed to practice medicine, osteopathic medicine, psychology,
clinical social work, mental health counseling, or marriage and family therapy
with a minimum of 2 (two) years full-time, post graduate, paid experience
providing mental
health and/or substance abuse services in a setting that specializes in
providing mental health and/or substance abuse services to children and/or
adolescents.

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 8 of
57

          
            

          

        

        
           

        

      

       

      3-1-2                     
 Geographical Access

      

      A.          
 Primary Care Medical Providers

      

      Geographical
access to board certified family practice physicians, pediatric physicians,
primary care providers or Advanced Registered Nurse Practitioner’s (ARNP),
experienced in child health care, of approximately twenty (20) minutes driving
time from residence to Provider. This driving time limitation may be reasonably
extended in those areas where such limitation with respect to rural residences
is unreasonable.  In such instance, INSURER shall provide access for
urgent care through contracts with the closest available Providers.

       

      B.        
    Specialty Care Medical Providers

      

      Specialty
medical services, ancillary services and hospital services are to be available
within sixty (60) minutes driving time from Enrollee’s residence to Provider.
The driving time limitation may be reasonably extended or waived in those areas
where such limitation with respect to rural residences is
unreasonable.

      

      

      3-1-3                      Appointment
Standards

      

      A.       
    Definitions

      

      For the
purposes of this Section, the following definitions shall apply:

      

      
        	
                 
      

              	
                1.

              	
                “Emergency
      care” means the level of care required for the treatment of an injury or
      acute illness that, if not treated immediately, could reasonably result in
      serious or permanent damage to the Enrollee’s
  health.

              

      

      

      
        	
                 
      

              	
                2.

              	
                “Urgently
      needed care” or “Urgent Care” means the level of care that is required
      within a twenty-four (24) hour period to prevent a condition from
      requiring emergency care.

              

      

      

      
        	
                 
      

              	
                3.

              	
                “Routine
      care” means the level of care can be delayed without anticipated
      deterioration in the Enrollee’s condition for a period of seven (7)
      calendar days.

              

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 9 of
57

          
            

          

        

        
           

        

      

      
        	
                 
      

              	
                4.

              	
                “Routine
      physical examinations” means the Enrollee’s annual physical examination by
      the Enrollee’s primary care provider in accordance with the schedule
      established by the American Academy of
  Pediatrics.

              

      

      

      B.        
   Appointment Access

      

      INSURER
shall provide timely treatment for Enrollees in accordance with the following
standards:

      

      1.           Emergency
care shall be provided immediately.

      

      
        	
                 
      

              	
                2.

              	
                Urgently
      needed care shall be provided within twenty-four (24)
    hours.

              

      

      
        	
                 
      

              	
                3.

              	
                Routine
      care of Enrollees who do not require emergency or urgent care shall be
      provided within seven (7) calendar days of the Enrollee’s request for
      services.

              

      

      
        	
                 
      

              	
                4.

              	
                Routine
      physical examinations shall be provided within four (4) weeks of the
      Enrollee’s request.

              

      

      
        	
                 
      

              	
                5.

              	
                Follow-up
      care shall be provided as medically
appropriate.

              

      

      

      
        	
                 
      

              	
                By
      utilization of the foregoing standards, FHKC does not intend to create
      standards of care or access to care different than those deemed acceptable
      within INSURER’s service area. Rather, FHKC intends that INSURER and its
      Providers timely and appropriately respond to Enrollee needs, as they are
      presented, in accordance with standards of care existing within the
      service area.  In applying these standards, INSURER and Provider
      shall give due regard to the level of discomfort and anxiety of the
      Enrollees and their families.

              

      

      

      3-2           Failure
to Provide Access

      

      In the
event FHKC determines that INSURER or its Providers, has failed to meet the
access standards established in this Contract, FHKC shall notify INSURER of its
non-compliance. Such notice may be provided via facsimile or other means,
specifying the failure in such detail as will reasonably allow INSURER to
investigate and respond within five (5) business days for non-emergency care.
Response to emergency or urgent non-compliance issues must be immediate upon
receipt of notice.

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 10
of 57

          
            

          

        

        
           

        

      

      If any
such failure to provide access constitutes a material breach of this Contract,
as determined by FHKC in its sole discretion, such material breach shall entitle
FHKC to unilaterally terminate this Contract.  Termination for
material breach shall proceed pursuant to Section 4-18(C).

       

      Upon FHKC
identifying a material breach by INSURER, to address the ongoing health care
needs of Enrollees, FHKC may direct Enrollees to seek such services outside of
INSURER’s Provider network. Should FHKC direct such action, INSURER shall be
financially responsible for all such services.

      

      3-3           Integrity
of Professional Advice to Enrollees

      

      INSURER
must comply with section 457.985, Code of Federal Regulation (CFR) which
prohibits INSURER from interfering with the advice of health care professionals
to Enrollees and requires that professionals engaged in the performance of
INSURER’s duties under this Contract give information about treatments to
Enrollees and their families as provided by law.

      

      Likewise,
INSURER agrees to comply with section 457.985, CFR and any other applicable
federal or state laws and regulations related to physician incentive plans
including any disclosure requirements related to such incentive
plans.

      

      3-4           Benefits

      

      INSURER
agrees to make its provider network available to Enrollees in those counties
designated under Section 3-20 and to provide the Comprehensive Medical Care
Services in this Contract.

      

      3-5           Claims
Payment

      

      INSURER
will pay any claims from its offices located at 8735 Henderson Road, Renaissance
2, Tampa, FL 33634 or any other designated claims office located in its service
area.  INSURER will pay clean claims filed within thirty (30) business
days or request additional information of the claimant necessary to process the
claim.

      

      3-6           Continuation
of Coverage upon Termination of this Contract

      

      INSURER
agrees that, upon termination of this Contract for any reason, unless instructed
otherwise by FHKC, it will continue to provide inpatient services to Enrollees
who are then inpatients until such time as Enrollees have been appropriately
discharged.  However, INSURER shall not be required to provide such
extended benefits beyond twelve (12) calendar months from the date the Contract
is terminated.

      

      
 

       

      
        
          Florida Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 11
of 57

          
            

          

        

        
           

        

      

      
        If
INSURER terminates this Contract at its sole option and through no fault of
FHKC, and if on the date of termination an Enrollee is totally disabled and such
disability commenced while coverage was in effect, that Enrollee shall continue
to receive all benefits otherwise available under this Contract for the
condition under treatment which caused such total disability until the earlier
of:                    

         

                     
  A.          
 Expiration of the contract benefit period for such benefits;

         

      

      
        	
              	
                B.

              	
                Determination
      by the Medical Director of INSURER that treatment is no longer medically
      necessary;

              

      

       

      
        	
                 
      

              	
                C.

              	
                Expiration
      of twelve (12) months from the date of termination of coverage;
      or,

              

      

      

      
        	
                 
      

              	
                D.

              	
                Election
      by a succeeding carrier to provide replacement coverage without limitation
      as to the disabling condition.

              

      

      

      However,
these benefits will be provided only so long as the Enrollee is continuously
totally disabled and only for the illness or injury which caused the total
disability.

      

      For
purposes of this section, an Enrollee who is “totally disabled” shall mean an
Enrollee who is physically unable to work, as determined by the Medical Director
of INSURER, due to an illness or injury at any gainful job for which the
Enrollee is suited by education, training, experience or
ability.  Pregnancy, childbirth or hospitalization in and of
themselves does not constitute “total disability”. In the case of maternity
coverage, when an Enrollee is eligible for such coverage and when not covered by
a succeeding carrier, a reasonable period of extension of benefits shall be
granted.  The extension of benefits shall be limited to the maternity
services and newborn care benefits provided under this Contract and shall not be
based on total disability.

      

      3-7           Effective
Date of Enrollee Coverage

      

      Coverage
for every Enrollee shall become effective at 12:01 a.m. EST/EDT, on the first
day of the Enrollee’s first coverage month, as determined by FHKC.

      

      3-8           Eligibility

      

      INSURER
shall accept those Enrollees which FHKC has determined meet the Program’s
eligibility requirements.

      

      A.           Program
Eligibility

      

      The following eligibility criteria for
participation in the Program must be met:

      

      
        	
                 
      

              	
                1.

              	
                Enrollees
      must be children who are age five (5) years through eighteen (18) years.
      Age eligibility shall end on the last day of the month in which the
      Enrollee attains age nineteen (19).

              

      

      

      
        	
                 
      

              	
                2.

              	
                Enrollees
      must meet the eligibility criteria established under section 624.91, F.S.
      and as implemented by the FHKC Board of
  Directors.

              

      

       

      
        
          
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Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
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                3.

              	
                Eligible
      Applicants may enroll during time periods established by FHKC Board of
      Directors in accordance with section 624.91,
  F.S.

              

      

      

      
        	
                 
      

              	
                4.

              	
                Determination
      of eligibility for the Program is made solely by
  FHKC.

              

      

      
        	
                 
      

              	
                B.

              	
                Requests
      for Eligibility Review

              

      

      

      
        	
                 
      

              	
                If
      INSURER has reasonable cause to believe that an Enrollee is not eligible
      for the Program because that Enrollee should in fact be placed in a
      different state or federal program for such services which eligibility
      would render that Enrollee ineligible for the Program, INSURER may request
      in writing that FHKC review the eligibility of that Enrollee. FHKC shall
      ensure that all records and findings maintained by FHKC concerning a
      particular eligibility determination will be made available to INSURER
      with reasonable promptness to the extent permitted under sections 624.91
      and 409.821, F.S. regarding confidentiality of information held by FHKC
      and the Florida KidCare program.

              

      

      

      C.         
  Eligibility Dispute Process

      

      
        	
                 
      

              	
                If
      after review under this section, INSURER and FHKC dispute whether or not
      an Enrollee is eligible for the Program, upon payment of a one hundred
      dollar ($100.00) fee to FHKC from INSURER, FHKC will seek an independent
      determination of eligibility from the entity administering the comparable
      federal or state insurance program for which INSURER alleges the Enrollee
      is eligible.  Both INSURER and FHKC agree to be bound by the
      response of the entity receiving the request under this
      provision.  INSURER and FHKC agree that the rights and remedies
      provided under this section shall be exclusive as to eligibility
      disputes.

              

      

      

      
        	
                 
      

              	
                If
      an Enrollee is determined not to be eligible for the Program and INSURER
      included that Enrollee in an actuarial memorandum to support a premium or
      rate modification request under this Contract, then INSURER shall submit
      to FHKC a revised supporting actuarial memorandum which excludes that
      Enrollee.

              

      

      

      3-9           Enrollee
Protections from Collection

      

      Neither
INSURER nor any representative of INSURER shall collect or attempt to collect
from an Enrollee any money for services covered by the Program or any monies
owed by FHKC to INSURER.

      

      3-10           Enrollment
Procedures

      

      
        	
                 
      

              	
                Within
      five (5) business days of receipt of an enrollment file specified under
      Section 2-2, INSURER shall provide each Enrollee with an enrollment
      package. The enrollment package shall include, at a minimum, the following
      items:

              

      

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 13
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                A.

              	
                A
      membership card displaying the Enrollee’s name, identification number and
      effective date of coverage as well as any other information required by
      state or federal law.

              

      

            

      
        	 	B.	  An
      Enrollee handbook that complies with any federal or state requirements and
      has been approved by FHKC.  The handbook shall include a
      description of how to access services, a listing of any Co-Payment
      requirements, INSURER’s grievance process and the covered benefits.
      Co-Payment requirements shall specifically explain that in the event the
      Enrollee fails to pay the required Co-Payment, INSURER may decline to
      provide non-emergency or non-urgently needed care unless the Enrollee
      meets the conditions of waiver of Co-Payments described in Attachment
      D.
	
                 
      

              	
                C.

              	
                A
      current listing of all participating primary care physicians, specialists
      and other medical providers that includes the address, office hours and
      any age limitations for each
Provider.

              

      

      

      
        	
                 
      

              	
                Any
      cancellation of Enrollees from coverage shall be processed timely by
      INSURER upon receipt of the monthly enrollment files. INSURER will provide
      written notice of the effective date of cancellation, by regular mail, to
      each affected Enrollee within five (5) business days of receipt of such
      information.

              

      

      

      
        	
                 
      

              	
                INSURER
      must also comply with the guidance issued by the Office of Civil Rights of
      the United States Department of Health and Human Services (“Policy
      Guidance on Title VI Prohibition against National Origin Discrimination as
      it Effects Persons with Limited English Proficiency) regarding the
      availability of information and assistance for persons with limited
      English proficiency.

              

      

      

      3-11         Extended
Coverage

      

      Except
for terminations resulting from fraud, INSURER agrees to offer individual
coverage to all terminated Enrollees without regard to health condition
status.

      

      
        	
                3-12

              	
                Fraud

              

      

      

      
        	
                 
      

              	
                The
      following acts by a FHKC Applicant, Enrollee or other person are
      considered Fraud:

              

      

      

      
        	
                 
      

              	
                A.

              	
                Knowingly
      failing by any false statement, misrepresentation, impersonation, or other
      fraudulent means, to disclose any material fact necessarily used in making
      the determination as to such person’s qualification to receive
      Comprehensive Medical Care Services coverage under the
      Program;

              

      

      

      
        	
                 
      

              	
                B.

              	
                Knowingly
      failing to disclose a change in circumstances in order to obtain or
      continue to receive Comprehensive Medical Care Services under the Program
      to which he or she is not entitled or in an amount larger than that to
      which he or she is entitled.

              

      

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 14
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        	 	C.	Using
      or attempting to use, transfer, acquire, traffic, alter, forge, or possess
      a FHKC identification card to which he or she is not
      entitled.

      

       

      
        	
                 
      

              	
                D.

              	
                Committing
      any act subject to prosecution under Section 409.814,
  F.S.

              

      

      

      
        	
                 
      

              	
                E.

              	
                Aiding
      or abetting another person in the commission of any act under this
      definition.

              

      

      

      INSURER
shall have in place appropriate preventative and detection measures which ensure
against fraud as defined in this Contract.  FHKC shall have access to
monitor such fraud and abuse prevention activities conducted by INSURER. If
INSURER obtains information demonstrating or indicating fraud by subcontractors,
Applicants or Enrollees, INSURER shall report its findings to FHKC for
investigation.

      

      3-13         Grievances
and Complaints

      

      INSURER
agrees to provide a grievance process for all Enrollees. Any such grievance
process shall be governed by applicable federal and state laws and
regulations.

      

      INSURER
shall provide to FHKC a copy of INSURER’s current grievance process for
Enrollees upon execution of this Contract and then annually by July 1st.  Additionally,
INSURER shall provide FHKC with notice of any proposed changes to the process.
Such changes must be reviewed and approved by FHKC prior to
implementation.

      

      INSURER
shall maintain a record of all formal and informal grievances that includes the
date, name, nature and disposition of each grievance. INSURER shall provide FHKC
with a quarterly report of all grievances and complaints received by INSURER
involving Enrollees. The report shall list the number of grievances received
during the quarter and the disposition of those grievances. INSURER shall also
inform FHKC of any grievances that are referred to the Statewide Subscriber
Assistance Panel or its successor prior to their presentation at the
panel.

      

      3-14         Indemnification

      

      INSURER
agrees to indemnify and hold FHKC harmless from any losses resulting from
negligent, dishonest, fraudulent or criminal acts of INSURER, its officers, its
directors or its employees, whether acting alone or in collusion with
others.

      

      INSURER
shall indemnify, defend and hold FHKC and its officers, employees and agents
harmless from all claims, suits, judgments or damages, including court costs and
attorney fees, arising out of negligence or intentional torts by
INSURER.

      

      INSURER
shall hold Enrollees harmless from all claims for payments of covered services,
except Co-Payments, including court costs and attorney fees arising out of or in
the course of this Contract pertaining to covered services.  In no
case will FHKC or Enrollees be liable for any debts of INSURER.

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 15
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      INSURER agrees to indemnify, defend and hold
harmless FHKC, its officers, agents and employees from:

       

                     
A.           Any claims
or losses attributable to a service rendered by any subcontractor, person or
firm performing or supplying services, materials, or supplies in connection with
the performing or supplying of services, materials or supplies in connection
with the performance of this Contract regardless of whether or not FHKC knew or
should have known of such improper service, performance, materials or
supplies.

      

      
        	
                 
      

              	
                B.

              	
                Any
      failure of INSURER, its officers, employees or subcontractors to observe
      Florida law, including but not limited to labor laws and minimum wage
      laws, regardless of whether FHKC knew or should have known of such
      failure.

              

      

      

      
        	
                 
      

              	
                With
      respect to the rights of indemnification given herein, INSURER agrees to
      provide FHKC, if known to INSURER, timely written notice of any loss or
      claim and the opportunity to mitigate, defend and settle such loss or
      claim as a condition of indemnification.  With respect to the
      right of indemnification given herein, FHKC agrees to provide to INSURER,
      if known, timely written notice of any loss or claim and the opportunity
      to mitigate, defend and settle such loss or claim as a condition to
      indemnification.

              

      

      

      3-15     
   Insurance

      

      INSURER
shall not commit any work in connection with this Contract until it has obtained
all types and levels of insurance required and approved by the appropriate state
regulatory agencies.  The insurance includes but is not limited to
worker’s compensation, liability, fire insurance and property
insurance.  FHKC shall be provided proof of coverage of insurance by a
certificate of insurance within ten (10) business days of contract execution.
Continuing evidence of insurance coverage must be provided to FHKC by July
1st
of each year.

      

      FHKC
shall be exempt from and in no way liable for any sums of money that may
represent a deductible in any insurance policy. The payment of such deductible
shall be the sole responsibility of INSURER or subcontractor holding such
insurance.  The same holds true of any premiums paid on any insurance
policy pursuant to this Contract.  Failure to provide proof of
coverage shall constitute a material breach under Section 4-18(C).

      

      3-16         Lobbying
Disclosure

      

      INSURER
shall comply with applicable state and federal requirements for the disclosure
of information regarding lobbying activities of INSURER, subcontractors or any
authorized agent.  Certification forms shall be filed by INSURER
certifying that no state or federal funds have been or will be used in lobbying
activities.

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 16
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      3-17         Medical
Records Requirements

       

      INSURER
shall require Providers to maintain medical records for each Enrollee under this
Contract in accordance with applicable federal and state law.

      

      A.           Medical
Quality Review and Audit

      

      FHKC
shall conduct an independent medical quality review of INSURER during this
Contract term.  The independent auditor’s report will include a
written review and evaluation of care provided to
Enrollees.  Additional reviews may also be conducted after completion
of the baseline review at the discretion of FHKC.  INSURER agrees to
cooperate in all evaluation efforts conducted or authorized by
FHKC.

      

      B.        
   Privacy of Medical Records

      

      INSURER
shall maintain all individual medical records with confidentiality and in
accordance with state and federal guidelines.  INSURER agrees to abide
by all applicable state and federal laws governing the confidentiality of minors
and the privacy of individually identifiable health
information.  INSURER’s policies and procedures for handling medical
records and protected health information shall comply with the Health Insurance
Portability and Accountability Act of 1996 (HIPAA), as amended from time to
time, and shall include provisions for when an Enrollee’s protected health
information may be used or disclosed without consent or
authorization.

      

      C.       
    Requests by Enrollees for Medical Records

      

      INSURER
will guarantee that each Enrollee or Applicant for the Enrollee may request and
receive a copy of records and information pertaining to that Enrollee in a
timely manner.  Additionally, the Enrollee or Applicant may request
that such records be corrected or supplemented.

      

      3-18         Membership
and Marketing Materials

      

      A.           Use
of FHKC and Florida KidCare Marketing Materials

      

      INSURER
shall not utilize the marketing materials, logos, trade names, service marks or
other materials belonging to FHKC without FHKC’s written
consent.  Written authorization must be received for each individual
use or activity.

      

      INSURER
also may not utilize any marketing materials, logos, trade names, service marks
or other materials identifying the Florida KidCare program without obtaining
prior written authorization from the state agency holding the rights to such
names or marks.

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 17
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                      B.       
    Member Materials

      
        	
                 
      

              	
                INSURER
      is responsible for all preparation, cost and distribution of member
      handbooks, plan documents and other membership materials, as well as
      orientation for Enrollees.  Materials must be appropriate to the
      population served including, but not limited to, alternate language access
      in accordance with federal requirements, and must be unique to the
      Program.

              

      

      

      C.       
    FHKC Approval and Review

      

      All
Enrollee handbooks, forms and member materials must be approved by FHKC prior to
distribution.  In addition, INSURER agrees to annually provide FHKC
with a copy of all previously approved membership materials for review by July
1st.

      

      D.       
    Direct Marketing Restrictions

      

      INSURER
may engage in marketing activities subject to the prior written review and
approval of any such events, materials and activities by FHKC. INSURER will
submit scheduled events at least one (1) week in advance of the event if
materials for such event have not been previously approved by FHKC. All other
events must be approved at least twenty-four (24) hours in advance. INSURER will
use only marketing materials which have been approved in writing by
FHKC.

      

      INSURER
may also implement retention efforts directed at its current Enrollees subject
to the review and written approval of FHKC.

      

      E.     
      Use of Insurer’s Name

      

      INSURER
consents to the use of its name in any marketing and advertising or media
presentations describing FHKC which are developed and disseminated by FHKC.
INSURER reserves the right to review and concur in any such marketing materials
prior to dissemination.

      

      3-19         Notification
Requirements

      

      A.           Immediate
Notification Requirements

      

      INSURER shall immediately notify FHKC
in writing of:

      

      
        	
                 
      

              	
                1.

              	
                Any
      judgment, decree or order rendered by any court of any jurisdiction or
      Florida administrative agency enjoining INSURER from the sale or provision
      of services under Chapter 641, Part II,
F.S.

              

      

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 18
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                2.

              	
                Any
      petition by INSURER in bankruptcy or for approval of a plan of
      reorganization or arrangement under the Bankruptcy Act or Chapter
      631, Part I, F.S. or an admission seeking relief provided
      therein.

              

      

      
      

      
        	
                 
      

              	
                3.

              	
                Any
      petition or order of rehabilitation or liquidation as provided in Chapter
      631 or 641, F.S.

              

      

      

      
        	
                 
      

              	
                4.

              	
                Any
      order revoking INSURER’s Certificate of
  Authority.

              

      

      

      
        	
                 
      

              	
                5.

              	
                Any
      administrative action taken by the Department of Financial Services,
      Office of Insurance Regulation or the Agency for Health Care
      Administration in regard to
INSURER.

              

      

      

      
        	
                 
      

              	
                6.

              	
                Any
      medical malpractice action filed in a court of law in which an Enrollee is
      a party (or in which Enrollee’s allegations are to be
      litigated).

              

      

      

      
        	
                 
      

              	
                7.

              	
                The
      filing of an application for change in ownership with the Florida
      Department of Financial Services or the Office of Insurance
      Regulation.

              

      

      

      
        	
                 
      

              	
                8.

              	
                Any
      pending litigation or commencement of legal action involving INSURER in
      which liability for or INSURER’s obligation to pay could exceed five
      hundred thousand dollars ($500,000.00) or ten percent (10%) of INSURER’s
      surplus.

              

      

      

      B.           
Monthly Notification Requirements

      

      INSURER
shall inform FHKC monthly of any changes to the provider network that differ
from the network presented in the original bid proposal, including
discontinuation of any primary care providers or physician practice associations
or groups with Enrollees on its panels.  FHKC may require INSURER to
provide FHKC with evidence that its provider network continues to meet the
access to care requirements under this Contract.

       

      
        
          Florida
Healthy Kids Corporation  

          October
1, 2008 

          /s/
RR FHKC

           /s/
HS INSURER

          
          

        

        
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      3-20     
   Premium Rate Provisions

      

      3-20-1                      Premium
Rate

      

      The
premium rate charged for the provision of Comprehensive Medical Care Services
for October 1, 2008 through September 30, 2009 shall be as follows:

      

      As to
HealthEase:

      

      
        	
                COUNTY

              	
                PER
      MEMBER PER MONTH

              
	
                Bay

              	
                $110.38

              
	
                Citrus

              	
                $95.63

              
	
                Clay

              	
                $92.99

              
	
                Duval

              	
                $92.99

              
	
                Martin

              	
                $103.00

              
	
                Nassau

              	
                $92.99

              
	
                Washington

              	
                $110.38

              

      

      

      As to StayWell:

      

      
        	
                COUNTY

              	
                PER
      MEMBER PER MONTH

              
	
                Broward

              	
                $111.18

              
	
                Miami-Dade

              	
                $104.20

              
	
                Hernando

              	
                $102.45

              
	
                Hillsborough

              	
                $100.45

              
	
                Orange

              	
                $110.10

              
	
                Osceola

              	
                $84.16

              
	
                Palm
      Beach

              	
                $90.79

              
	
                St.
      Lucie

              	
                $94.71

              

      

       

      3-20-2     Additional
Requirements for Premium Rates

      

      
        	
                 
      

              	
                A.

              	
                Minimum
      Medical Loss Ratio

              

      

      

      
        	
                 
      

              	
                The
      minimum medical loss ratio shall be eighty-five (85%)
    percent.

              

      

      
      

      

      INSURER
must submit a quarterly medical loss ratio report with results presented by
month incurred, by county as well for INSURER’s entire block of business covered
under this Contract.  The report is due by the fifteenth of the month
following the close of the quarter as follows:

      
        
          	
                   

                	 
      

                  January
      1 – March 30:

                	
                  April
      15th

                
	
                   

                	 
      

                  April
      1 – June 30:

                	
                  July
      15th

                
	
                   

                	 
      

                  July
      1 – September 30:

                	
                  October
      15th

                
	
                   

                	 
      

                  October
      1 – December 31:

                	
                  January
      15th

                

        

         

        
          
            
              Florida
Healthy Kids Corporation

              October
1, 2008

              /s/
RR FHKC

              /s/
HS INSURER

               

            

            
              Page 20
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      If the
reporting deadline falls on a holiday or weekend, the report is due on the next
business day.

      

      
        	
                 
      

              	
                B.

              	
                Maximum
      Administrative Component

              

      

      

      The
maximum administrative component shall not exceed fifteen (15%)
percent.

      

      
        3-20-3     Experience
Adjustment

         

        In the
event that the actual medical loss ratio (MLR) that the INSURER achieves for
this CONTRACT is better than eighty five percent (85%), calculated in
the

      

      same
manner as the premium development and allocation methodology utilized in
INSURER’s ITN response. INSURER shall return to FHKC a share of the dollar
difference between the INSURER’s actual MLR for said period and the projected
minimum MLR of eighty five percent (85%) based on the following tiered
Experience Adjustment schedule:

      

      
         

        
          	 	 A.	 Tier
      I:  MLR of 84.99 to 82.00
      Percent:              
      	  50% to
      FHKC
	 	 	 (84.99% to
      82.00%)	 
	 	 B.   	Tier II: MLR of
      81.99 Percent of Less:  	 100% to
      FHKC
	 	 	 (81.99%
      or less)	 

        

          

      

      If
INSURER’s actual MLR is less than eighty-five percent (85%) during a Contract
Year, but not lower than eighty two percent (82%), INSURER shall return to FHKC
fifty percent (50%) of the difference between the actual MLR and the projected
minimum MLR of eighty five percent (85%), pursuant to sub-paragraph 3-20-3A Tier
I.

      

      If
INSURER’S actual MLR is less than eighty-two percent (82%) during any Contract
Year, INSURER shall return to FHKC the sum of the Tier I and Tier II experience
adjustment pursuant to sub- paragraph 3-20-3A and B, as follows:

      

      
        	
                 
      

              	
                1)

              	
                fifty
      percent (50%) of the difference between INSURER’s actual MLR of eighty-two
      percent (82%) and the minimum MLR of eighty-five percent (85%),
      and

              

      

      

      
        	
                 
      

              	
                2)

              	
                one
      hundred percent (100%) of the difference between INSURER’s actual MLR and
      the Tier II maximum MLR of eighty-two percent
  (82%).

              

      

      

      INSURER
shall provide FHKC with a written copy of its findings for each Contract year by
April 1st.  If
any payments are due under this provision, INSURER shall forward such payment
within thirty (30) days of its written notification. INSURER may be subject to
audit or verification by FHKC or its designated agents.

      

      FHKC
shall determine the adequacy of the information supplied under this section and
whether or not the calculation has been accurately performed.

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 21
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        The
calculation shall be reported in a format approved by FHKC and FHKC may also
request supporting documentation. After receipt of INSURER’S submission, FHKC
may request that the calculation also be provided on a county by county
basis.

        

        INSURER’S
submission must include the following minimum information:

        

        Insurer
Name:

        Contract
Year:

        Counties
Included in Calculation:

      

      
                       
Total Premiums Paid to INSURER during Contract Year: $

      Actual
Incurred Claims for Contract
Year:                                          
   $

      Medical
Loss Ratio
Achieved:                                                                 $

      

      Apply
adjustment percentage in accordance with Section 3-20-3.

      

      Amount
Due to
FHKC:                                                                              $

      

      3-21         Premium
Rate Modifications

      

      INSURER
shall provide an actuarial memorandum to FHKC supporting any premium rate
adjustment requested under this section prior to any adjustment taking
effect.

      

      3-21-1     Annual
Adjustment Request

      

      Upon
request by INSURER, the Board of Directors of FHKC may approve an annual
adjustment to the premium rate. Prior to any submission deadline, FHKC will
provide INSURER with any trend information or other actuarial standards that may
be applied to any rate requests by FHKC’s consulting actuary during the review
process.

      

      Each
adjustment request must meet all of the following conditions:

      

      
        	
                 
      

              	
                A.

              	
                Any
      request to adjust the premium rate for the upcoming Contract Year must be
      received by FHKC by April 1st
      (first).

              

      

      

      
        	
                 
      

              	
                B.

              	
                INSURER’S
      request for an adjustment must be accompanied by a supporting actuarial
      memorandum which includes a breakdown of the rate utilizing the following
      categories:

              

      

      

      
        	
                 
      

              	
                Primary
      Care Physicians

              

      

      
        	
                 
      

              	
                Specialty
      Care

              

      

      
        	
                 
      

              	
                Hospital
      Inpatient

              

      

      
        	
                 
      

              	
                Hospital
      Outpatient

              

      

      
        	
                 
      

              	
                Pharmacy

              

      

      
        	
                 
      

              	
                Durable
      Medical Equipment

              

      

      
        	
                 
      

              	
                Behavioral
      Health

              

      

      
        	
                 
      

              	
                Substance
      Abuse

              

      

      
        	
                 
      

              	
                Other
      Services (Provide details)

              

      

      
        	
                 
      

              	
                Administration

              

      

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 22
of 57

            
              

            

          

          
             

          

        

      

       

      
        	
                 
      

              	
                C.

              	
                Any
      proposed premium rate adjustment must include all counties covered by the
      currently approved premium rate and be presented in the same format as
      submitted by INSURER under the ITN
process.

              

      

        

      
        	 	D.    	The
      proposed premium rate shall not be excessive or inadequate in accordance
      with the standards established by the Department of Financial Services or
      the Office of Insurance Regulation for such
  determination.

      

       

      
        	
                 
      

              	
                E.

              	
                All
      approved rate adjustment requests under this Section are effective October
      1st through September 30th

              

      

      

      
        	
                 
      

              	
                F.

              	
                Non-compliance
      with any reporting requirements under this Contract may result in the
      denial of a rate adjustment request submitted by INSURER at FHKC’s sole
      discretion, and such denial is not subject to the provisions of Section
      3-21-2.

              

      

      

      3-21-2                      Annual
Premium Rate Adjustment Denials

      

      In the
event that INSURER’s annual premium rate adjustment is denied by the Board of
Directors of FHKC, and INSURER desires to appeal such decision, INSURER may
request that an independent actuary be retained to determine whether or not the
proposed rate is excessive or inadequate.

      

      
        	
                 
      

              	
                A.

              	
                Any
      request for a review of a denied premium rate must be submitted by INSURER
      to FHKC in writing within fourteen (14) business days of the date of the
      board meeting in which the Board of Directors denied the premium rate
      request.

              

      

      

      
        	
                 
      

              	
                B.

              	
                Within
      fourteen (14) calendar days of receipt of such request, FHKC shall provide
      INSURER with a list of three (3) qualified, independent actuaries and also
      provide the curriculum vitae for each proposed independent
      actuary.  INSURER shall select an independent actuary from the
      list provided by FHKC no later than fourteen (14) calendar days following
      receipt of all information from
FHKC.

              

      

      

      
        	
                 
      

              	
                FHKC
      shall ensure that none of the three (3) qualified independent actuaries
      offered for selection has a working or personal relationship with FHKC’s
      contracted actuary. INSURER shall ensure that the actuary selected from
      the three (3) qualified, independent actuaries received from FHKC does not
      have a historical or current working relationship with INSURER or any
      working or personal relationship with an employee of INSURER or a
      Consultant/Contractor of INSURER involved in the course of this review or
      the original filing for a rate increase outside the scope of this
      project.

              

      

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 23
of 57

            
              

            

          

          
             

          

        

      

       

      
        	
                 
      

              	
                C.

              	
                The
      Letter of Engagement will be executed by the selected independent actuary,
      FHKC and INSURER.

              

      

      
        	
                 
      

              	
                D.

              	
                FHKC
      and INSURER are financially responsible for the fees incurred by the
      independent actuary for this dispute process and shall each pay fifty
      percent (50%) of the total costs.

              

      

      

      
        	
                 
      

              	
                E.

              	
                All
      communications after execution of the Letter of Engagement and up through
      the submission of the final report by the independent actuary shall
      include both FHKC and INSURER, no communication may take place between the
      contracted independent actuary and just one (1) of the other
      parties.  If such communication takes place, the independent
      actuary will be disqualified and the Letter of Engagement terminated,
      immediately, and the review process begins again with a different
      independent actuary, pursuant to this
section.

              

      

      

      
        	
                 
      

              	
                F.

              	
                The
      selected independent actuary will only review the original rate request as
      filed by INSURER, any reports developed by FHKC or FHKC’s consulting
      actuary and any supplemental communications regarding the proposed rate in
      existence prior to denial of the rate by the FHKC board of
      directors.  No new information may be considered during the
      review process, unless both FHKC and INSURER in writing agree to the
      provision of such information.

              

      

      

      
        	
                 
      

              	
                F.

              	
                In
      conducting the review, the independent actuary
  may:

              

      

      

      
        	
                 
      

              	
                a.

              	
                Uphold
      the rate requested by INSURER; or

              

      

      
        	
                 
      

              	
                b.

              	
                Deny
      the rate requested by INSURER.

              

      

      

      If the
independent actuary denies the rate requested by the INSURER, the independent
actuary may recommend a revised rate.  In no event may the independent
actuary’s recommended rate be higher than the original rate requested by the
INSURER.

      

      Acceptance
of the revised rate is at the discretion of the FHKC Executive Director after
consulting with FHKC’s actuary.  If the revised rate is denied by the
Executive Director, the premium rate shall continue at the previous, most
recently approved rate.  INSURER may submit a written request for a
review of that determination at the next regularly scheduled meeting of the FHKC
Board of Directors following the Executive Director’s decision.

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 24
of 57

            
              

            

          

          
             

          

        

      

       

      
        	
                 
      

              	
                G.

              	
                The
      independent actuary’s findings as described in Paragraph E of this Section
      must be in writing and communicated to both FHKC and INSURER within thirty
      (30) calendar days after execution of the Letter of Engagement by all
      parties.

              

      

      

      
        	
                 
      

              	
                H.

              	
                The
      effective date of any premium rate adjustment based upon the actuary’s
      determination shall be October 1st (first) or the first of
      the month following receipt of the independent actuary’s findings,
      whichever occurs first.

              

      

      
      

      
        	
                 
      

              	
                I.

              	
                The
      findings of the independent actuary to either uphold or deny the rate will
      be binding.  However, if the independent actuary finds that the
      rate should be denied, then at the discretion of the Executive
      Director:

              

      

      

      
        	
                 
      

              	
                a.

              	
                if
      the independent actuary provides a new recommended rate, the recommended
      revised rate may be implemented; or

              

      

      
        	
                 
      

              	
                b.

              	
                The
      previous, most recently approved rate may be continued for the upcoming
      Contract Year.

              

      

      

      3-21-3                      Change
in Benefit Schedule

      

      
        	
                 
      

              	
                INSURER
      understands that changes in federal and state law may require amendments
      to the Enrollee Benefit Schedule during the Contract
      term.  Should such changes be necessary, FHKC shall notify
      INSURER in writing of the required change and INSURER shall have thirty
      (30) days to agree to the amended benefit
  schedule.

              

      

      

      
        	
                 
      

              	
                If
      the change in the benefit schedule results in a reduction in a benefit
      level or increases in co-payments, FHKC may require that INSURER reduce
      its premium rate by an amount actuarially equivalent to the benefit
      reduction.

              

      

      

      If
benefits or co-payments are modified under this Section, INSURER may submit a
request for a rate adjustment to accommodate this modification. Final
determination of the INSURER’s compliance under this Section shall be made by
FHKC and shall not be subject to the provisions of Section 3-21-2.

      

      
        	
                 
      

              	
                 If
      INSURER elects not to implement the necessary change, FHKC may terminate
      this Contract by providing INSURER with a written notice of intent to
      terminate and include a termination date of not less than ninety (90) days
      from the date of the written notification or earlier if required by
      law.

              

      

      

      3-21-4                      Specialty
Fee Arrangements

      

      
        	
                 
      

              	
                FHKC
      shall have the right to negotiate specialty fee arrangements with
      non-INSURER affiliated providers and make such rates available to
      INSURER.  In such cases, if there is a material impact on the
      premium rate, it will be adjusted by INSURER in a manner consistent with
      sound actuarial practices.

              

      

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 25
of 57

            
              

            

          

          
             

          

        

      

       

      3-22         Quality
Assurance

      

      INSURER
shall maintain a quality assurance program throughout the term of this Contract
for Enrollees. If INSURER has an existing program it must satisfy FHKC’s quality
assurance standards. Additionally, INSURER shall provide FHKC with notice of any
proposed changes to the quality assurance program. Such changes must be reviewed
and approved by FHKC prior to implementation.

      3-23           Records
Retention and Accessibility

      

      
        	
                 
      

              	
                A.

              	
                INSURER
      agrees to maintain books, records and documents in accordance with
      generally acceptable accounting principles which sufficiently and properly
      reflect all expenditures of funds provided by FHKC under this
      Contract.

              

      

      

      
        	
                 
      

              	
                B.

              	
                INSURER
      shall have all records used or produced in the course of the performance
      of this Contract available at all reasonable times for inspection, review,
      audit or copying to FHKC, any vendor contracted with FHKC or any state or
      federal regulatory agency as authorized by law or FHKC.  Access
      to such records will be during normal business hours and will be either
      through on-site review of records or through the mail. These records shall
      be retained for a period of at least five (5) years following the term of
      this Contract, except if an audit is in progress or audit findings are yet
      unresolved, in which case records shall be kept until all tasks are
      completed.

              

      

      

      
        	
                 
      

              	
                C.

              	
                INSURER
      agrees to cooperate in any evaluative efforts conducted by FHKC or an
      authorized subcontractor of FHKC both during and for a period of at least
      five (5) years following the term of this Contract.  These
      efforts may include a post-Contract
audit.

              

      

      

      
        	
                 
      

              	
                D.

              	
                Additionally,
      INSURER agrees to provide to FHKC, by July 1st
      (first) each year, an audited financial statement for INSURER’S preceding
      fiscal year.  If such is not customarily available in the
      ordinary course of INSURER’S business, then a written statement from an
      accountant verifying the financial stability of INSURER shall be submitted
      and be subject to the approval of the FHKC Board of
    Directors.

              

      

      

      
        	
                 
      

              	
                E.

              	
                INSURER
      shall include all the requirements of this subsection in all approved
      subcontracts and assignments and INSURER agrees to require subcontractors
      and assignees to meet these
requirements.

              

      

      

      
        	
                 
      

              	
                It
      is expressly understood that evidence of INSURER’S refusal to
      substantially comply with this provision or such failure by INSURER’S
      subcontractors, assignees or affiliates performing under this Contract
      shall constitute a material breach and renders this Contract subject to
      unilateral cancellation by FHKC.

              

      

      

        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 26
of 57

            
              

            

          

          
             

          

        

      

       

      
        3-24         Refusal
of Coverage

        

        INSURER
shall not refuse to provide coverage to any Enrollee on the basis of past or
present health status.

        

        3-25         Regulatory
Filings

      

      
 

      INSURER
will forward all regulatory filings relating to this Contract to FHKC for its
review and approval. Once such regulatory filings are approved, FHKC will submit
such filings to the extent required by law or as desired by FHKC to the
Department of Financial Services or other appropriate regulatory entity on
INSURER’s behalf.

      

      3-26         Reporting
Requirements

      

      INSURER
shall comply with all reporting requirements under this Contract in the manner
and timeframes specified for each report and as listed under Attachment
E.

      

      INSURER
shall also provide quarterly encounter and claims data for all services rendered
under this Contract including any services provided by contracted Providers.
Such data shall be submitted on a quarterly basis utilizing a process and format
established by FHKC. FHKC may amend the process, format or requirements during
the Contract term and INSURER shall incorporate any such changes no later than
the third (3rd)
quarter’s report after notification of such changes by FHKC.

      

      INSURER
is responsible for guaranteeing that all subcontractors comply with these
reporting requirements.  INSURER also agrees to attest to the
accuracy, completeness and truthfulness of claims and payment data that are
submitted to FHKC under penalty of perjury.  Access to Enrollee claims
data by FHKC, the State of Florida, the federal Centers for Medicare and
Medicaid Services and the Department of Health and Human Services Inspector
General will be allowed to the extent permitted by law.

      

      The
timetable for the delivery of quarterly statistical reports is as
follows:

      

      
        	
                Encounters
      and Claims Processed During:

              	
                Claims
      Data Due to FHKC by:

              
	
                January
      1st –
      March 31st

              	
                April
      15th

              
	
                April
      1st –
      June 30th

              	
                July
      15th

              
	
                July
      1st –
      September 30th

              	
                October
      15th

              
	
                October
      1st –
      December 31st

              	
                January
      15th

              

      

      

      Failure
to provide these reports in a timely manner shall constitute a material breach
as defined under Section 4-18(C).

      

      3-27         Subrogation
Rights

      

      In the
event INSURER provides medical services or benefits to Enrollees who suffer
injury, disease or illness by virtue of the negligent act or omission of a third
party, INSURER shall be entitled to seek reimbursement from the Enrollee or
third party, at the prevailing rate, for the reasonable value of the services or
benefits provided.  INSURER shall not be entitled to reimbursement in
excess of the Enrollee’s monetary recovery for medical expenses provided from
the third party.  INSURER is solely responsible for the coordination
of benefits with any other third party payor in accordance with section 624.91,
F.S. Nothing in this section as to coordination of benefits shall limit the
Enrollee’s right to receive direct health services under this
Contract.

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 27
of 57

          
            

          

        

        
           

        

      

      

      3-28         Termination
of Participation

      

      An
Enrollee’s coverage under this Program shall terminate on the last day of the
month in which the Enrollee:

      

      
        	
                 
      

              	
                A.

              	
                Ceases
      to be eligible to participate in the
Program;

              

      

      

      
        	
                 
      

              	
                B.

              	
                Establishes
      residence outside of the service area;
or

              

      

      

      
        	
                 
      

              	
                C.

              	
                Is
      determined to have acted fraudulently as fraud is defined in this
      Contract.

              

      

      

      Termination
of coverage and the effective date of that termination shall by determined
solely by FHKC.

      

      3-29         Use
of Subcontractors or Affiliates

      

      INSURER
may contract with subcontractors or affiliates to deliver services under this
Contract subject to the following conditions.

      

      
        	
                 
      

              	
                A.

              	
                INSURER
      identified the subcontractor or affiliate in its response to the RFP for
      covered by this Contract.

              

      

      

      
        	
                 
      

              	
                B.

              	
                INSURER
      has provided FHKC with a copy of the current contract or other written
      agreement and any amendments for services under this Contract between
      INSURER and the subcontractor or affiliate. FHKC shall have the right to
      withhold its approval of any such contracts, agreements and
      amendments.

              

      

      

      
        	
                 
      

              	
                C.

              	
                INSURER’S
      Contract with the subcontractor or affiliate fully complies with all terms
      and conditions of this Contract between INSURER and
  FHKC.

              

      

      

      
        	
                 
      

              	
                D.

              	
                INSURER
      agrees to provide FHKC with timely notice of termination of such
      agreements with any subcontractor or affiliate.  On a quarterly
      basis, INSURER shall provide FHKC with an attestation as to the adequacy
      of the INSURER’s network.

              

      

      

      
        	
                 
      

              	
                E.

              	
                INSURER
      shall provide FHKC with timely notice of INSURER’S intent to contract with
      any new subcontractors or affiliates for services covered under this
      Contract.  Prior to execution, INSURER shall forward for FHKC’s
      review and approval any proposed agreement for services with
      subcontractors or affiliates.

              

      

      

      
        	
                 
      

              	
                F.

              	
                By
      July 1st
      each year, INSURER agrees to provide FHKC with an annual report listing,
      for the previous calendar year, all subcontractors or affiliates that
      performed services under this Contract for
  INSURER.

              

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 28
of 57

          
            

          

        

        
           

        

      

      All
agreements between INSURER and its subcontractor or affiliates to provide
services under this Contract shall be reduced to writing and shall be executed
by both parties. All such agreements shall also be available to FHKC within
seven (7) business days of request for production.

      

      Failure
of INSURER to comply with the provisions of this section shall constitute a
material breach as provided under Section 4-18(C) of this Contract.

      

      SECTION
4                                GENERAL
TERMS AND CONDITIONS

      

      4-1           Amendment

      

      This
Contract may be amended by mutual written consent of the parties at any time.
This Contract shall automatically be amended to the extent necessary from time
to time to comply with state or federal laws or regulations or the requirements
of FHKC’s contract with the Agency for Health Care Administration (AHCA) upon
notice by FHKC to INSURER to that effect.

      

      4-2           Assignment

      

      This
Contract and the monies that may become due under it may not be assigned by
INSURER without the prior written consent of FHKC.  Any purported
assignment without such consent shall be deemed null and void.

      

      FHKC may
assign this Contract and the monies that may become due under it. Prior to any
such assignment, FHKC shall provide at least ninety (90) days written notice to
INSURER indicating its intention to assign the Contract. INSURER may elect to
terminate the Contract at the end of the next Contract term by providing written
notice to FHKC at least one-hundred and twenty (120) calendar days before the
end of the Contract term unless otherwise required by law.

      

      
        	
                4-3

              	
                Attachments

              

      

      

      Attachments
A through F are all incorporated into this Contract by reference.  In
any conflict between these Attachments and this Contract, the Contract provision
shall control.

      

      
        	
                4-4

              	
                Attorney
      Fees

              

      

      

      In the
event of any legal action, dispute, litigation or other proceeding with relation
to this Contract, FHKC shall be entitled to recover from INSURER its attorney
fees and costs incurred, whether or not suit is filed, and if filed, at both
trial and appellate levels.  Legal actions are defined to include
administrative proceedings.  It is understood that the intent of this
provision is to protect the Enrollees who receive health insurance benefits
through the Program and rely upon the continuation of the
Program.

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 29
of 57

          
            

          

        

        
           

        

      

      4-5           Bankruptcy

      

      FHKC
shall have the absolute right to elect to continue or terminate this Contract,
at its sole discretion, in the event INSURER or any of its approved
subcontractors file a petition for bankruptcy or for approval of a plan of
reorganization or arrangement under the Bankruptcy Act. INSURER shall give FHKC
notice of the intent to petition for bankruptcy or reorganization or arrangement
at the time of the filing and immediately provide a copy of such filing to FHKC.
FHKC shall have thirty (30) calendar days upon receipt of such notice to elect
continuation or termination of this Contract.

      

      4-6           Change
of Controlling Interest

      

      FHKC
shall have the absolute right to elect to continue or terminate this Contract,
at its sole discretion, in the event of a change in the ownership or controlling
interest of INSURER or any of its approved subcontractors.  INSURER
shall give FHKC notice of regulatory agency approval, if applicable, prior to
any transfer or change in control. FHKC shall have thirty (30) calendar days to
elect continuation or termination of this Contract upon receipt of such
notice.

      

      4-7           Confidentiality

      

      INSURER
shall treat all information, particularly personal or identifying information
relating to Applicants or Enrollees that is obtained through its performance
under this Contract, as confidential information to the extent confidential
treatment is provided under state and federal laws including sections 624.91 and
409.821, F.S. regarding confidentiality of information held by FHKC and the
Florida KidCare Program.  INSURER shall not use any information
obtained in any manner except as necessary for the proper discharge of its
obligations and to secure its rights under this Contract.  Such
information shall not be divulged without written consent of FHKC, the Applicant
or the Enrollee.  This provision does not prohibit the disclosure of
information in summary, statistical or other form which does not identify
particular individuals.

      

      INSURER
and FHKC mutually agree to maintain the integrity of all proprietary information
to the extent provided under the law.  Neither party will disclose or
allow others to disclose proprietary information as determined by law by any
means to any person without prior written approval of the other
party.  All proprietary information will be so
designated.  This requirement does not extend to routine reports and
membership disclosure necessary for efficient management of the
Program.

      

      INSURER
understands that FHKC may be subject to the Florida Public Records Act, Section
119.07, F.S. and therefore all such information may be considered a public
record and open to inspection. Thus, unless otherwise confidential or exempted
by law, INSURER shall allow public access to all documents, papers, letters,
electronic correspondence or other material subject to the provisions of Chapter
119, F.S. and made or received by INSURER in conjunction with this
Contract.  However, INSURER agrees to advise FHKC prior to the release
of any such information.

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 30
of 57

          
            

          

        

        
           

        

      

       

      4-8           Conflicts
of Interest; Non-Solicitation

      

      4-8-1       Conflicts
of Interest

      

      INSURER
confirms that to the best of its knowledge, the responsibilities and duties
assumed pursuant to this Contract are not in conflict with any other interest to
which INSURER is obligated or from which INSURER benefits.  Further,
INSURER agrees to inform FHKC immediately after becoming aware of any conflicts
of interest which it may have with the interests of FHKC, as set forth in this
Contract and which may occur in the future.

      

      Within
ten (10) days of contract execution, INSURER shall submit the attached
disclosure form identifying any relationships, financial or otherwise with any
FHKC Board Member, FHKC Ad Hoc Board Member or any employee of
FHKC.

      

      
        	
                               
      4-8-2

              	
                Gift
      Prohibitions

              

      

      

      In
accordance with FHKC Corporate Policies, INSURER affirms its understanding that
FHKC Board Members, FHKC Ad Hoc Board Members and FHKC Employees are prohibited
from accepting any gifts, including but not limited to, any meal, service or
item of value even de minimus from those entities that conduct or seek to
conduct business with FHKC.

      

      4-8-3       Non-Solicitation

      

      INSURER
recognizes and acknowledges that as a result of this Contract INSURER will come
into contact with employees of FHKC and that these employees have received
considerable training by FHKC.  INSURER agrees not to solicit, recruit
or hire any individual who is employed by FHKC during the term of this
Contract.  This prohibition shall be in effect for both the term of
this Contract and twelve (12) months immediately following its
termination.

      

      4-9           Effective
Dates

      

      
        	
                 
      

              	
                1.

              	
                This
      Contract shall begin on October 1, 2008 (“Commencement
    Date”).

              

      

      

      
        	
                 
      

              	
                2.

              	
                This
      Contract shall end on September 30,
2009.

              

      

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 31
of 57

            
              

            

          

          
             

          

        

      

       

      This
Contract may be extended at FHKC’s discretion for a maximum of three (3) one (1)
year additional periods beyond the initial term indicated above.  FHKC
agrees to notify INSURER by June 1, 2009, if FHKC does not intend to exercise
the first
one year extension option; by June 1, 2010 if FHKC has exercised the first
option, FHKC does not intend to exercise the second one (1) year extension
option; and by June 1, 2011 if FHKC has exercised both prior extensions and FKHC
does not intend to exercise the final one (1) year extension. In no event shall
this contract extend beyond September 30, 2012.

      

      Upon the
expiration of the Contract, should FHKC choose to use another vendor, INSURER
shall ensure a smooth transition.

      

      4-10         Entire
Understanding

      

      This
Contract with all Attachments incorporated by reference embodies the entire
understanding of the parties relating to the subject matter of this Contract,
and supersedes all other agreements, negotiations, understanding, or
representations, verbal or written, between the parties relative to the subject
matter hereof.

      

      4-11         Force
Majeure

      

      Neither
party shall be responsible for delays of failure in performance of its
obligations under this Contract resulting from acts beyond the control of the
party.  Such acts shall include, but are not limited to, blackouts,
riots, acts of war, terrorism, epidemics, government regulations on statutory
amendments adopted following the date of execution of this Contract, fire
communication line failure, computer hardware failure, computer executive
software failure, power failure or shortage, fuel shortages, hurricanes or other
natural disasters.

      

      4-12         Governing
Law; Venue

      

      This
Contract shall be governed by applicable state and federal laws and regulations
as such may be amended during the term of the Contract, whether or not expressly
included or referenced in this Contract.

      

      INSURER
agrees to comply with the following provisions as such may from time to time be
amended during the term of this Contract:

      

      
        	
                 
      

              	
                A.

              	
                Title
      VI of the Civil Rights Act of 1964, as amended, 42 U.S.C. 2000d et seq.,
      which prohibits discrimination on the basis of race, color or national
      origin.

              

      

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 32
of 57

            
              

            

          

          
             

          

        

      

       

      
        	
                 
      

              	
                B.

              	
                Section
      504 of the Rehabilitation Act of 1973, as amended, 29 U.S.C. 794, which
      prohibits discrimination on the basis of
  handicap.

              

      

      

      
        	
                 
      

              	
                C.

              	
                Title
      XI of the Education Amendments of 1972, as amended 29, U.S.C. 601 et seq.,
      which prohibits discrimination on the basis of
  sex.

              

      

      

      
        	
                 
      

              	
                D.

              	
                The
      Age Discrimination Act of 1975, as amended, 42 U.S.C. 6101 et seq., which
      prohibits discrimination on the basis of
age.

              

      

      

      
        	
                 
      

              	
                E.

              	
                Section
      654 of the Omnibus Budget Reconciliation Act of 1981, as amended, 42
      U.S.C. 9848, which prohibits discrimination on the basis of race, creed,
      color, national origin, sex, handicap, political affiliation or
      beliefs.

              

      

      

      
        	
                 
      

              	
                F.

              	
                The
      American Disabilities Act of 1990, P.L. 101-336, which prohibits
      discrimination on the basis of disability and requires accommodation for
      persons with disabilities.

              

      

      

      
        	
                 
      

              	
                G.

              	
                Section
      274A (e) of the Immigration and Nationalization Act, FHKC shall consider
      the employment by any contractor of unauthorized aliens a violation of
      this Act.

              

      

      

      
        	
                 
      

              	
                H.

              	
                OMB
      Circular A-110 (Appendix A-4) which identifies procurement procedures
      which conform to applicable federal law and regulations with regard to
      debarment, suspension, ineligibility, and involuntary exclusion of
      contracts and subcontracts and as contained in Attachment A of this
      Contract.  Covered transactions include procurement contracts
      for services equal to or in excess of one hundred thousand dollars
      ($100,000.00) and all non-procurement
  transactions.

              

      

      

      I.        
     Title XXI of the federal Social Security
Act.

      

      J.             All
applicable state and federal laws and regulations governing FHKC.

      

      
        	
                 
      

              	
                K.

              	
                All
      regulations, guidelines and standards as are now or may be lawfully
      adopted under the above statutes.

              

      

      

      INSURER
agrees that compliance with this assurance constitutes a condition of continued
receipt of or benefit from funds provided through this Contract and such
compliance is binding upon INSURER, its successors, transferees and assignees
for the period during which services are provided.  INSURER further
agrees that all contractors, subcontractors, subgrantees or others with whom it
arranges to provide goods, services or benefits in connection with any of its
programs and activities are not discriminating against either those whom they
employ nor those to whom they provide goods, services or benefits in violation
of the above statutes, regulations, guidelines and standards.

      

      It is
expressly understood that evidence of INSURER’S refusal or failure to
substantially comply with this section or such failure by INSURER’S
subcontractors or anyone with whom INSURER affiliates in performing under this
Contract shall constitute a material breach and renders this Contract subject to
unilateral cancellation by FHKC.

      

      Any legal
action with respect to the provisions of this Contract shall be brought in
federal or state court in Leon County, Florida.

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 33
of 57

          
            

          

        

        
           

        

      

      
        	
                4-13

              	
                
                  Independent
      Contractor

                

              	
                 

              

      

      

      The
relationship of INSURER to FHKC shall be solely that of an independent
contractor.  The parties acknowledge and agree that neither party has
the authority to make any representation, warranty or binding commitment on
behalf of the other party, except as expressly provided in this Contract or as
otherwise agreed to in writing by the parties, and nothing contained in this
Contract shall be deemed or construed to (i) create a partnership or joint
venture between the parties or any affiliate, employee or agent of a party; or
(ii) constitute any party or any employee or agent of a party as an employee or
agent of the other party.

      

      4-14         Name
and Address of Payee

      

      The name
and address of the official payee to whom the payment shall be
made:

      

      For
INSURER:       WellCare of Florida,
Inc.

      Name:                     Robert
Diaz, Vice President, Regulatory Affairs and Quality

      Assurance

      Address:                5404
Cypress Center Drive, Suite 300, Tampa, FL 33609

      Email:                      robert.diaz@wellcare.com

      

      4-15         Notice
and Contact

      

      All
notices required under this section shall be in writing and may be delivered by
certified mail with return receipt requested, by facsimile with proof of
receipt, by electronic mail with proof of receipt or in person with proof of
delivery.

      

      Notice
required or permitted under this Contract shall be directed as
follows:

      

      For
FHKC:

      Jennifer
Kiser Lloyd

      Florida
Healthy Kids
Corporation           or          Florida
Healthy Kids Corporation

      Post
Office Box
980                                                  661
East Jefferson Street, 2nd
Floor

      Tallahassee,
FL  32302                                            Tallahassee,
FL 32301

      850-224-0615
(Fax)

      lloydj@healthykids.org

      

      For
INSURER:       WellCare of Florida,
Inc.

      Name:                     Robert
Diaz, Vice President, Regulatory Affairs and Quality Assurance

       

      Address:                5404
Cypress Center Drive, Suite 300, Tampa, FL 33609

      Phone/fax:              (813)
206-1758/ (813) 675-2740

      Email:                      robert.diaz@wellcare.com

      

        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 34
of 57

            
              

            

          

          
             

          

        

      

       

      In the
event that different contact persons are designated by either party after
execution of this Contract, notice of the name and address of the new contact
will be sent to the other party and be attached to the originals of this
Contract.

       

      4-16           Severability

      

      If any of
the provisions of this Contract are held to be inoperative by a court of
competent jurisdiction, such a provision shall be severed from the remaining
provisions of the Contract which shall remain in full force and
effect.

      

      
        	
                4-17

              	
                Survival

              

      

      

      The
provisions of the following sections: Records Retention and Accessibility;
Attorney Fees; Confidentiality; Conflicts of Interest; Non-Solicitation and
Governing Law; Venue shall survive any termination of this
Contract.

      

      4-18         Termination
of Contract

      

      A.           Termination
for Lack of Funding

      

      This
Contract is subject to the continuation and approval of funding to FHKC from
state, federal and other sources.  FHKC shall have the absolute right,
in its sole discretion, to terminate this Contract if funding for the Program is
to be changed or terminated such that this Contract should not be
sustained.  FHKC shall send INSURER notice of termination and include
a termination date of not less than thirty (30) calendar days from the date of
the notice.

      

      
        	
                 
      

              	
                B.

              	
                Termination
      for Lack of Payment or Performance

              

      

      

      If FHKC
fails to make payments in accordance with the schedule included in this
Contract, INSURER may suspend work and pursue the appropriate remedies for
FHKC’s breach of its payment obligations. INSURER must provide FHKC at
least thirty (30) calendar days written notice of any suspension due to lack of
payment and allow FHKC an opportunity to correct the default prior to suspension
of work.

      

      If
INSURER fails to make timely progress on the objectives of this Contract or
fails to meet the deliverables described under this Contract in the time and
manner prescribed, FHKC may terminate this Contract on not less than thirty (30)
calendar days notice.  At its discretion, FHKC may allow INSURER to
cure any performance deficiencies prior to final termination.

       

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 35
of 57

            
              

            

          

          
             

          

        

      

       

      C.           
    Termination for Material Breach

      

      In the
event INSURER materially breaches this
Contract, FHKC shall give INSURER notice of such breach
and INSURER shall
have thirty (30) calendar days from receipt of this notice to cure the breach or
at FHKC’s sole discretion, permit the INSURER to submit a corrective action to
cure the breach.

      
         

      

      If the
breach is not cured to the satisfaction of FHKC and FHKC elects to terminate
this agreement, the notice of termination shall be sent in accordance with the
notification requirements of this Contract. The notice of termination shall
specify the nature of the termination, the extent to which performance of work
under the Contract is termination and the date on which such termination shall
become effective.  The notice of termination shall specify the nature
of the termination, the extent to which performance of work under the Contract
is terminated, and the date on which such termination shall become effective.
FHKC may terminate this Contract upon no less than twenty-four (24) hours
notice.

      

      Waiver of
breach of any provision of this Contract shall not be deemed to be a waiver of
any other breach and shall not be construed to be a modification of the terms of
this Contract.

      

      D.         
  Termination upon Revision of Applicable Law

      

      FHKC and
INSURER agree if federal or state revisions of any applicable laws or
regulations restrict FHKC’s ability to comply with the Contract, make such
compliance impracticable, frustrate the purpose of the Contract or place the
Contract in conflict with FHKC’s ability to adhere to its statutory purpose,
FHKC may unilaterally terminate this Contract.  FHKC shall send
INSURER notice of termination and include a termination date of not less than
thirty (30) calendar days from the date of notice.

      

      E.       
    Termination by FHKC

      

      Notwithstanding
any other termination provisions, FHKC may terminate this Agreement or any part
of this Agreement, without penalty or cost to FHKC, at its convenience, and such
termination will be effective at such time as is determined by
FHKC.

      

      THREE
(3) SIGNATURE PAGES FOLLOW

      

      THE
REMAINDER OF THIS PAGE LEFT INTENTIONALLY BLANK

       

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

          
          

        

        
          Page 36
of 57

          
            

          

        

        
          
          

        

      

      

      IN
WITNESS WHEREOF, the parties have caused this Contract, to be executed by their
undersigned officials as duly authorized.

      

      FOR

      ENTITY:                HealthEase
of Florida, Inc.

      

      
        

        /s/ Heath
Schiesser                                              

      

      NAME:                  Heath
Schiesser

      TITLE:                  Chief
Executive Officer

      DATE
SIGNED:

      

      The
foregoing instrument was acknowledged me before this 17th day of July, 2008, by Heath Schiesser, as CEO on behalf of HealthEase of Florida,
Inc.  He/She is personally known to me or has produced
________________ as identification.

      

       

      

      /s/
Cathleen
McGlynn           
    

      Notary
Public  

       

      February
14,
2010             
          

      My
Commission Expires

      
        

        /s/ Michael
Haber        
             
WITNESS
#1 SIGNATURE

      

      
         

         Michael
Haber          
         
       

      

      WITNESS
#1 PRINT NAME

      

      
        /s/
Kerrian
Thomas                    

        WITNESS
#2 SIGNATURE

      

      
        

      

      Kerrian
Thomas          
              

      WITNESS
#2 PRINT NAME

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

          
          

        

        
          Page 37
of 57

          
            

          

        

        
          
          

        

      

      

      FOR

      ENTITY:                WellCare
of Florida, Inc./StayWell Health Plan of Florida

      

      
        /s/ Heath
Schiesser                                              

NAME:                  Heath
Schiesser

      

      TITLE:                  Chief
Executive Officer

      DATE
SIGNED:

      
 

      The
foregoing instrument was acknowledged me before this 17th day of July, 2008, by Heath Schiesser, as
CEO on behalf of WellCare of Florida,
Inc.  He/She is personally known to me or has produced
________________ as identification.

      

      

      /s/
Cathleen McGlynn           
   

       Notary
Public

       

      February
14,
2010                       

      My
Commission Expires

      
        

        /s/ Michael
Haber            
          

      

      WITNESS
#1 SIGNATURE

      
        

        Michael
Haber                           

WITNESS
#1 PRINT NAME

      

      

      
        /s/ Kerrian Thomas 
                  

      

      WITNESS
#2 SIGNATURE

      
         

        Kerrian Thomas    
              
       

      

      WITNESS
#2 PRINT NAME

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 38
of 57

          
            

          

        

        
           

        

      

      FOR

      FLORIDA
HEALTHY KIDS CORPORATION:

      

      

      
        /s/ Rich
Robleto                                                    

      

      NAME:           
       Rich Robleto

      TITLE:                   Executive
Director

      DATE
SIGNED:

      

      The
foregoing instrument was acknowledged me before this 13th day of 
August, 2008, by Rich Robleto, as Executive Director on behalf of
FHKC.  He/She is personally known to me or has
produced ________________ as identification.

      

      

      

      

      /s/
Amber N.
Floyd                    

      Notary
Public

       

      Nov.
14,
2009                             

      My
Commission Expires

      
        
/s/ Amber N.
Floyd                  
           

        WITNESS
#1 SIGNATURE

      

      
         

        Amber N.
Floyd                         

      

      WITNESS
#1 PRINT NAME

      

      /s/ Ashley
Holton                     

      WITNESS
#2 SIGNATURE

      
        

        Ashley
Holton                          

      

      WITNESS
#2 PRINT NAME

      

      Reviewed
by:

       

      Jennifer K.
Lloyd                                   Date: 
8/13/08

      Signature of: Jennifer K.
Lloyd

      Director
of External Affairs

       

      Joan
Anderson                              Date: 
7/22/08

      Printed Name: Joan Humphrey
Anderson

      FHKC
General Counsel

      Florida
Bar Number: 0294063

       

      
        
          Florida Healthy Kids
Corporation

          October
1, 2008

          /s/
RR FHKCs

          /s/
HS INSURER

          
          

        

        
          Page 39
of 57

          
            

          

        

        
          
          

        

      

       

      
        
           

          
            	
                     

                    ATTACHMENT
      A

                    CERTIFICATION
      REGARDING DEBARMENT, SUSPENSION, INELIGIBILITY and VOLUNTARY
      EXCLUSION

                    CONTRACTS
      AND SUBCONTRACTS

                  

          

           

        

      

      This
certification is required by the regulations implementing Executive Order 12549,
Debarment and Suspension, signed February 18, 1986. The guidelines were
published in the May 29, 1987, Federal Register (52 Fed. Reg., pages
20360-20369).

      

      INSTRUCTIONS

      

      
        	
                A.

              	
                Each
      entity whose contract\subcontract equals or exceeds twenty five thousand
      dollars ($25,000) in federal monies must sign this certification prior to
      execution of each contract\subcontract.  Additionally, entities
      who audit federal programs must also sign, regardless of the contract
      amount. The Florida Healthy Kids Corporation cannot contract with these
      types of Entities if they are debarred or suspended by the federal
      government.

              

      

      

      
        	
                B.

              	
                This
      certification is a material representation of fact upon which reliance is
      placed when this contract\subcontract is entered into.  If it is
      later determined that the signer knowingly rendered an erroneous
      certification, the Federal Government may pursue available remedies,
      including suspension and/or
debarment.

              

      

      

      
        	
                C.

              	
                INSURER
      shall provide immediate written notice to the contract manager at any time
      INSURER learns that its certification was erroneous when submitted or has
      become erroneous by reason of changed
  circumstances.

              

      

      

      
        	
                D.

              	
                The
      terms “debarred,” “suspended,” “ineligible,” “person,” “principal,” and
      “voluntarily excluded,” as used in this certification, have the meanings
      set out in the Definitions and Coverage sections of rules implementing
      Executive Order 12549.  You may contact the Contract manager for
      assistance in obtaining a copy of those
  regulations.

              

      

      

      
        	
                E.

              	
                INSURER
      agrees by submitting this certification that, it shall not knowingly enter
      into any subcontract with a person who is debarred, suspended, declared
      ineligible, or voluntarily excluded from participation in this
      contract/subcontract unless authorized by the Federal
      Government.

              

      

      

      
        	
                F.

              	
                INSURER
      further agrees by submitting this certification that it will require each
      subcontractor of this contract/subcontract whose payment will equal or
      exceed twenty five thousand dollars ($25,000) in federal monies, to submit
      a signed copy of this
certification.

              

      

      

      
        	
                G.

              	
                The
      Florida Healthy Kids Corporation may rely upon a certification of INSURER
      that it is not debarred, suspended, ineligible, or voluntarily excluded
      from contracting\subcontracting unless it knows that the certification is
      erroneous.

              

      

      

      
        	
                H.

              	
                This
      signed certification must be kept in the contract manager’s
      file.  Subcontractor’s certifications must be kept at the
      contractor’s business location.

              

      

      

      
        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 40
of 57

            
              

            

          

          
             

          

        

      

       

      CERTIFICATION

      

      INSURER
certifies, by signing this certification, that neither INSURER nor its
principals is presently debarred, suspended, proposed for debarment, declared
ineligible, or voluntarily excluded from participation in this
contract/subcontract by any federal agency.

      

      Where
INSURER is unable to certify to any of the statements in this certification,
INSURER shall attach an explanation to this certification.

       

      
        	 /s/ Heath
      Schiesser, Chief Executive
    Officer  	7-17-08                                  
      
	 WellCare of
      Florida, Inc.	 Date
	 8735 Henderson
      Road	 
	 Renaissance
      2	 
	 Tampa, FL
      33634	 

      

       

      

      REMAINDER
OF THIS PAGE LEFT INTENTIONALLY BLANK

       

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

          
          

        

        
          Page 41
of 57

          
            

          

        

        
          
          

        

      

       

      
        	
                ATTACHMENT
      B

                CERTIFICATION
      REGARDING LOBBYING

                CERTIFICATION
      FOR CONTRACTS, GRANTS, LOANS AND COOPERATIVE
  CONTRACTS

              

      

      

      

      The
undersigned certifies, to the best of his or her knowledge and belief,
that:

      

      
        	
                (1)

              	
                No
      federal appropriated funds have been paid or will be paid, by or on behalf
      of the undersigned, to any person for influencing or attempting to
      influence an officer or employee of any agency, a member of congress, an
      officer or employee of congress or an employee of a member of congress in
      connection with the awarding of any federal contract, the making of any
      federal grant, the making of any federal loan, the entering into of any
      cooperative Contract and the extension, continuation, renewal, amendment
      or modification of any federal contract, grant, loan or cooperative
      Contract.

              

      

       

      
        	
                (2)

              	
                If
      any funds other than federal appropriated funds have been paid or will be
      paid to any person for influencing or attempting to influence an officer
      or employee of any agency, a member of congress, an officer or employee of
      congress or an employee of a member of congress in connection with this
      federal contract, grant, loan or cooperative Contract, the undersigned
      shall complete and submit Standard Form-LLL, “Disclosure Form to Report
      Lobbying,” in accordance with its
instructions.

              

      

       

      
        	
                (3)

              	
                The
      undersigned shall require that the language of this certification be
      included in the award documents for all subawards at all tiers (including
      subcontracts, subgrants and contracts under grants, loans and cooperative
      Contracts) and that all subrecipients shall certify and disclose
      accordingly.

              

      

      

      This
certification is a material representation of fact upon which reliance was
placed when this transaction was made or entered into.  Submission of
this certification is a prerequisite for making or entering into this
transaction imposed by section 1352, Title 31, U.S. Code.  Any person
who fails to file the required certification shall be subject to a civil penalty
of not less than ten thousand dollars ($10,000.00) and not more than one hundred
thousand dollars ($100,000.00) for each such failure.

       

       

      
        	 /s/ Heath
      Schiesser, Chief Executive
    Officer  	7-17-08                                  
      
	 WellCare of
      Florida, Inc.	 Date
	 8735 Henderson
      Road	 
	 Renaissance
      2	 
	 Tampa, FL
      33634	 

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 42
of 57

          
            

          

        

        
           

        

      

       

      
        	
                ATTACHMENT
      C

                REGARDING HEALTH INSURANCE
      PORTABILITY AND ACCOUNTABILITY ACT OF 1996 COMPLIANCE:

                BUSINESS
      ASSOCIATE (BA) AGREEMENT

              

      

      

      THIS BA
AGREEMENT (Attachment C), is entered into and made between Florida Healthy Kids
Corporation, a Florida non-profit corporation, (FHKC) (the “Covered Entity”) and
WellCare Health Plans, Inc. (the “BA”) and is incorporated in the Services
Contract (Contract) between FHKC and WellCare Health Plans, Inc.

      

      
        	
                1.

              	
                HIPAA
      Compliance.  FHKC and BA agree to comply with the Health
      Insurance Portability and Accountability Act of 1996, Pub. L. No. 104-191,
      as amended from time to time (“HIPAA”).  Pursuant to HIPAA, FHKC
      meets the definition of a covered entity and BA meets the definition as a
      business associate.  As a covered entity, FHKC must obtain and
      document satisfactory assurances from business associates, such as BA,
      that BA shall appropriately safeguard the individually identifiable health
      information which is personal health information (“PHI”) and/or electronic
      protected health information (“EPHI”) though a written contract or other
      written agreement such as this
Attachment.

              

      

      

      
        	
                2.

              	
                Definitions For Use in
      This Attachment.  Terms used, but not otherwise defined,
      in this Attachment and the Contract shall have the same meaning as those
      terms in 45 C.F.R. Parts 160, 162 and
164.

              

      

      

      
        	
                3.

              	
                Privacy Obligations
      and Activities of BA.  BA shall ensure compliance with
      the HIPAA Standards for Privacy of Individually Identifiable Health
      Information, 45 C.F.R. Part 160 and Part 164 (the “Privacy
      Rule”).  Without limiting the generality of the foregoing, BA
      agrees that it will, in accordance with HIPAA, comply with the
      following:

              

      

      
        	
                 
      

              	
                BA
      agrees to not use or disclose personal health information PHI other than
      as permitted or required by this Attachment, the Contract or as Required
      By Law.

              

      

      
        	
                 
      

              	
                BA
      agrees to use appropriate safeguards to prevent use or disclosure of PHI
      other than as provided for by this Attachment and the
      Contract.

              

      

      
        	
                 
      

              	
                BA
      shall implement administrative, physical, and technical safeguards that
      reasonably and appropriately protect the confidentiality, integrity, and
      availability of EPHI that it creates, receives, maintains or transmits on
      behalf of the Covered Entity.

              

      

      
        	
                 
      

              	
                BA
      agrees to mitigate, to the extent practicable, any harmful effect that is
      known to BA of a use or disclosure of PHI by BA in violation of the
      requirements of this Attachment, the Contract and
  HIPAA.

              

      

      
        	
                 
      

              	
                BA
      agrees to report to Covered Entity any use or disclosure of PHI not
      provided for by this Attachment and the Contract of which it becomes
      aware, within twenty (20) business
days.

              

      

      
        	
                 
      

              	
                BA
      shall promptly report to Covered Entity any “security incident” of which
      it becomes aware; as such term is defined in the HIPAA Security
      Rule.  

              

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 43
of 57

          
            

          

        

        
           

        

      

      
        	
                 
      

              	
                At
      the request of Covered Entity, BA shall identify: the date of the security
      incident, the scope of the security incident, the BA’s response to the
      security incident and the identification of the party responsible for
      causing the security incident, if
known.

              

      

      
        	
                 
      

              	
                BA
      agrees to ensure that any agent, including a subcontractor, to whom it
      provides PHI and/or EPHI received from, or created or received by BA on
      behalf of Covered Entity, agrees to the same restrictions and conditions
      that apply through this Attachment and the Contract to BA with respect to
      such information.

              

      

      
        	
                 
      

              	
                BA
      agrees to provide access, at the written request of Covered Entity, within
      ten (10) business days of the written request (five (5) additional
      business days are permitted if written request provided by the U.S. Postal
      Service (“USPS”)), to PHI in a Designated Record Set (“DRS”), to Covered
      Entity or, as directed by Covered Entity, to an Individual in order to
      meet the requirements under 45 CFR §164.524.  In the event any
      Individual requests access to PHI directly from BA, BA shall forward
      written notice of such request, to Covered Entity within ten business (10)
      days (five (5) additional business days are permitted if written notice
      provided by U.S.P.S.).  Any denials of access to the PHI
      requested shall be the responsibility of Covered
  Entity.

              

      

      
        	
                 
      

              	
                BA
      agrees to make any amendment(s) to PHI in a DRS that the Covered Entity
      directs or agrees to pursuant to 45 CFR §164.526 at the written request of
      Covered Entity or an Individual, within twenty (20) business days of the
      written request (five (5) additional business days are permitted if
      written request provided by
U.S.P.S.).

              

      

      
        	
                 
      

              	
                BA
      agrees to make internal practices, books, and records, including policies
      and procedures and PHI, relating to the use and disclosure of PHI received
      from, or created or received by BA on behalf of, Covered Entity available
      to the Covered Entity and to the Secretary, within fifteen (15) business
      days notice of the Secretary’s request (five (5) additional business days
      permitted if notice provided by U.S.P.S.) or in the time and manner
      designated by the Secretary, for purposes of the Secretary determining
      Covered Entity's HIPAA compliance.

              

      

      
        	
                 
      

              	
                BA
      agrees to document such disclosures of PHI and information related to such
      disclosures as would be required for Covered Entity to respond to a
      request by an Individual for an accounting of disclosures of PHI in
      accordance with 45 CFR §164.528.

              

      

      
        	
                 
      

              	
                BA
      agrees to provide to Covered Entity, or an Individual at the request of
      the Covered Entity, within fifteen (15) business days (five (5) additional
      business days are permitted if written notice provided by U.S.P.S.) of
      written notice by Covered Entity to BA that Covered Entity has received a
      request for an accounting of PHI disclosures regarding an Individual
      during the six (6) years prior to the date on which the accounting was
      requested, information collected in accordance with Section 2.i. of this
      Attachment, to permit Covered Entity to respond to a request by an
      Individual for an accounting of disclosures, pursuant to 45 CFR
      §164.528.

              

      

      1. 

      
        	
                4.

              	
                Security.  BA
      shall ensure compliance with the HIPAA Security Standards for the
      Protection of Electronic Protected Health Information (“EPHI”), 45 C.F.R.
      Part 160 and Part 164, Subparts A and C (the “Security Rule”), with
      respect to Electronic Protected Health Information covered by this
      Contract effective on the compliance date for initial implementation of
      the security standards set for in 45 C.F.R. §164.318.
  

              

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 44
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                Without
      limiting the generality of the foregoing, BA agrees that it will, in
      accordance with HIPAA:

              

      

      
        	
                 
      

              	
                Implement
      administrative, physical, and technical safeguards that reasonably and
      appropriately protect the confidentiality, integrity, and availability of
      the Electronic Protected Health Information that it creates, receives,
      maintains, or transmits on behalf of Covered Entity as required by 45
      C.F.R. Part 164, Subpart C.

              

      

      
        	
                 
      

              	
                Ensure
      that any agent, including a subcontractor, to whom it provides such
      information, agrees to implement reasonable and appropriate safeguards to
      protect it;

              

      

      
        	
                 
      

              	
                Report
      to the Covered Entity any security incident of which it becomes
      aware;

              

      

      
        	
                 
      

              	
                Ensure
      the confidentiality, integrity, and availability of all Electronic
      Protected Health it creates, receives, maintains, or
      transmits;

              

      

      
        	
                 
      

              	
                Protect
      against any reasonably anticipate threats or hazards to the security or
      integrity of such information;

              

      

      
        	
                 
      

              	
                Protect
      against any reasonably anticipated uses or disclosures of such information
      that are not permitted or required under HIPAA;
  and

              

      

      
        	
                 
      

              	
                Ensure
      compliance with 45 C.F.R. Part 164, Subpart C (Security Standards for the
      Protection of Electronic Protected health Information) by its
      workforce.

              

      

      2. 

      
        	
                5.

              	
                Electronic Transaction
      And Code Sets.  BA shall comply with the HIPAA Standards
      for Electronic Transactions and Code Sets, 45 C.F.R. Parts 160 and 162,
      with respect to Electronic Protected Health Information covered by this
      Contract.  Without limiting the generality of the foregoing, BA
      agrees that it will, in accordance with 45 C.F.R. §
      162.923(c):

              

      

      
        	
                 
      

              	
                Comply
      with all applicable requirements of 45 C.F.R. Part 162;
  and

              

      

      
        	
                 
      

              	
                Require
      any agent or subcontractor to comply with all applicable requirements of
      45 C.F.R. Part 162.

              

      

      3. 

      
        	
                6.

              	
                Permitted Uses and
      Disclosures by BA - General Use and Disclosure
      Provisions.  Except as otherwise limited in this
      Attachment, BA may use or disclose PHI to perform functions, activities,
      or services for, or on behalf of, Covered Entity as specified in the
      Contract, provided that such use or disclosure would not violate HIPAA if
      done by Covered Entity or the minimum necessary policies and procedures of
      Covered Entity.

              

      

      

      
        	
                7.

              	
                Permitted Uses and
      Disclosures by BA - Specific Use and Disclosure
      Provisions.

              

      

      
        	
                 
      

              	
                Except
      as otherwise limited in this Attachment and the Contract, BA may use PHI
      for the proper management and administration of BA or to carry out BA’s
      legal responsibilities.

              

      

      
        	
                 
      

              	
                Except
      as otherwise limited in this Attachment and the Contract, BA may disclose
      PHI for the BA’s proper management and administration, provided that
      disclosures are Required By Law, or BA obtains reasonable assurances from
      the person to whom the information is disclosed that the information
      will remain confidential and used or further disclosed only as Required By
      Law or for the purpose for which it was disclosed to the person, and the
      person notifies BA of any instances of which it is aware in which the
      confidentiality of the information has been
    breached.

              

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 45
of 57

          
            

          

        

        
           

        

      

      
      

      
        	
                 
      

              	
                Except
      as otherwise limited in this Attachment and the Contract, BA may use PHI
      to provide Data Aggregation services to Covered Entity as permitted by 42
      C.F.R. §164.504(e)(2)(i)(B).

              

      

      
        	
                 
      

              	
                BA
      may use PHI to report violations of law to appropriate Federal and State
      authorities, consistent with 42 C.F.R.
  §164.502(j)(1).

              

      

      4. 

      
        	
                8.

              	
                Provisions for Covered
      Entity to Inform BA of Privacy Practices and
      Restrictions.

              

      

      
        	
                 
      

              	
                Covered
      Entity shall notify BA of any limitation(s) in its notice of privacy
      practices of Covered Entity in accordance with 45 CFR §164.520, to the
      extent that such limitation may affect BA's use or disclosure of
      PHI.

              

      

      
        	
                 
      

              	
                Covered
      Entity shall notify BA of any changes in, or revocation of, permission by
      Individual to use or disclose PHI, to the extent that such changes may
      affect BA's use or disclosure PHI.

              

      

      
        	
                 
      

              	
                Covered
      Entity shall notify BA of any restriction to the use or disclosure of PHI
      that Covered Entity has agreed to in accordance with 45 CFR §164.522, to
      the extent that such restriction may affect BA's use or disclosure of
      PHI.

              

      

      5. 

      
        	
                9.

              	
                Term and
      Termination.

              

      

      
        	
                 
      

              	
                Term.  The
      Term of this Attachment shall be effective concurrent with the Contract,
      and shall terminate when all of the PHI provided by Covered Entity to BA,
      or created or received by BA on behalf of Covered Entity, is destroyed or
      returned to Covered Entity, or, if it is infeasible to return or destroy
      PHI, protections are extended to such information, in accordance with the
      termination provisions in this
Section.

              

      

      
        	
                 
      

              	
                Termination for
      Cause. Upon Covered Entity's knowledge of a material breach by BA,
      Covered Entity shall either:

              

      

      
        	
                 
      

              	
                Provide
      an opportunity for BA to cure the breach or end the violation and
      terminate this Attachment and/or the Contract if BA does not cure the
      breach or end the violation within thirty (30) calendar days (five (5)
      additional calendar days are permitted if written notice provided by
      U.S.P.S.) of Covered Entity’s notice to BA of the Covered Entity knowledge
      of the BA’s material breech; or

              

      

      
        	
                 
      

              	
                Immediately
      terminate this Attachment and the Contract if BA has breached a material
      term of this Attachment and/or the Contract and cure is not possible; as
      determined at the sole discretion of Covered Entity;
  or

              

      

      
        	
                 
      

              	
                If
      neither termination nor cure is feasible, Covered Entity shall report the
      violation to the Secretary.

              

      

      
        	
                 
      

              	
                Effect of
      Termination.

              

      

      
        	
                 
      

              	
                Except
      as provided in paragraph (ii) of this Section, upon termination of this
      Attachment and the Contract, for any reason, BA shall return or destroy
      all PHI received from Covered Entity, or created or received by BA on
      behalf of Covered
Entity.  

              

      

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 46
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                This
      provision shall apply to PHI that is in the possession of any
      subcontractors or agents of BA, and BA has the duty to insure that any of
      its subcontractors or agents complies with these termination
      provisions.  Neither BA, nor any of its subcontractors or
      agents, shall retain any copies of PHI upon termination of this Attachment
      and the Contract.

              

      

      
        	
                 
      

              	
                In
      the event that BA determines that returning or destroying the PHI is
      infeasible, BA shall provide to Covered Entity written notification of the
      conditions that make return or destruction infeasible thirty (30) calendar
      days (five (5) additional calendar days are permitted if written notice
      provided by U.S.P.S.) prior to the termination of the Contract or within
      thirty (30) calendar days (five (5) additional calendar days are permitted
      if written notice provided by U.S.P.S.) of BA’s notice of Covered Entity’s
      knowledge of a material breach of this Attachment and/or the
      Contract.  Upon mutual agreement of the parties that return or
      destruction of PHI is infeasible; BA shall extend the protections of this
      Attachment and the Contract such PHI and limit further uses and
      disclosures of such PHI to those purposes that make the return or
      destruction infeasible, for so long as BA maintains such
    PHI.

              

      

      
        	
                10.

              	
                Miscellaneous.

              

      

      
        	
                 
      

              	
                Regulatory
      References. A reference in this Attachment and the Contract to a
      section in HIPAA means the section as in effect or as
    amended.

              

      

      
        	
                 
      

              	
                Amendment. The
      parties agree to take such action as is necessary to amend this Attachment
      and the Contract, from time to time, as is necessary for Covered Entity to
      comply with the requirements of
HIPAA.

              

      

      
        	
                 
      

              	
                Survival. The
      respective rights and obligations of BA under Section 9.c., “Effect of
      Termination,” of this Attachment shall survive the termination of this
      Attachment and the Contract.

              

      

      
        	
                 
      

              	
                Interpretation.
      Any ambiguity in this Attachment and the Contract shall be resolved to
      permit Covered Entity to comply with
HIPAA.

              

      

      

      TWO
(2) HIPAA BA SIGNATURE PAGES FOLLOW

      

      THE
REMAINDER OF THIS PAGE LEFT INTENTIONALLY BLANK

       

      
        
          Florida
Healthy Kids Corporation

          October 1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

          
          

        

        
          Page 47
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      IN
WITNESS WHEREOF, the arties have caused this Attachment A, BA AGREEMENT, to be
executed by their undersigned officials as duly authorized.

      

      

      FOR

      ENTITY:                      WellCare
of Florida, Inc.

      

      

      

      
        /s/ Heath
Schiesser                                               

      

      NAME:                      Heath
Schiesser

      TITLE:                      Chief
Executive Officer

      DATE
SIGNED:

      

      The
foregoing instrument was acknowledged me before this 17th day of July ,2008, by Heath Schiesser, as CEO on behalf of WellCare of Florida,
Inc.  He/She is personally known to me or has produced
________________ as identification.

      

      

      /s/
Cathleen
McGlynn              

       Notary
Public

       

      February
14,
2010                      

      My
Commission Expires

      
        

        /s/ Michael
Haber                      

      

      WITNESS
#1 SIGNATURE

      
        

        Michael
Haber                           

      

      WITNESS
#1 PRINT NAME

       

      /s/ Kerrian
Thomas                    

      WITNESS
#2 SIGNATURE

       

      Kerrian
Thomas                         

      WITNESS
#2 PRINT NAME

       

      
        
          Florida
Healthy Kids Corporation    

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

          
          

        

        
          Page 48
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      FOR

      FLORIDA
HEALTHY KIDS CORPORATION:

      

      

      
        /s/ Rich
Robleto                                                    

      

      NAME:                      Rich
Robleto

      TITLE:                      Executive
Director

      DATE
SIGNED:

      

      

      The
foregoing instrument was acknowledged me before this 13th day of August, 2008, by Rich Robleto, as Executive Director on behalf of
FHKC.  He/She is personally known to me or has
produced ________________ as identification.

      

      

      

      

      /s/
Amber N.
Floyd                   

       Notary
Public

       

      Nov.
14,
2009                             

      My
Commission Expires

      
        

        

        /s/ Amber N.
Floyd                  

      

      WITNESS
#1 SIGNATURE

      
        

        Amber N.
Floyd                        

      

      WITNESS
#1 PRINT NAME

      

      

      
        /s/ Ashley
Holton                     

      

      WITNESS
#2 SIGNATURE

      
        

        Ashley
Holton                          

      

      WITNESS
#2 PRINT NAME

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 49
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        ATTACHMENT
D – ENROLLEE BENEFIT SCHEDULE

      

      

      
        	
                 
      

              	
                I.

              	
                Minimum
      Enrollee Benefits Schedule

              

      

       

      INSURER
agrees to provide, at a minimum, those benefits that are prescribed by state law
for the Program.  If INSURER requires clarification of any coverage or
co-payment requirements, INSURER shall consult with FHKC to confirm coverage
requirements.

       

      INSURER
shall pay an Enrollee’s covered expenses up to a lifetime maximum of one million
dollars ($1,000,000.00) per covered enrollee.

       

      II.    Health
Care Benefits

       

      The
following health care benefits are included under this Contract:

       

      

      
        	
                BENEFIT

              	
                LIMITATIONS

              	
                CO-PAYMENTS

              
	
                A.  Inpatient Services

                All
      covered services provided for the medical care and treatment of an
      Enrollee who is admitted as an inpatient to a hospital licensed under part
      I of Chapter 395.

                Covered
      services include: physician’s services; room and board; general nursing
      care; patient meals; use of operating room and related facilities; use of
      intensive care unit and services; radiological, laboratory and other
      diagnostic tests; drugs; medications; biologicals; anesthesia and oxygen
      services; special duty nursing; radiation and chemotherapy; respiratory
      therapy; administration of whole blood plasma; physical, speech and
      occupational therapy; medically necessary services of other health
      professionals.

              	
                All
      admissions must be authorized by INSURER.

                The
      length of the patient stay shall be determined based on the medical
      condition of the Enrollee in relation to the necessary and appropriate
      level of care.

                Room
      and board may be limited to semi-private accommodations, unless a private
      room is considered medically necessary or semi-private accommodations are
      not available.

                Private
      duty nursing limited to circumstances where such care is medically
      necessary.

                Admissions
      for rehabilitation and physical therapy are limited to fifteen (15) days
      per contract year.

                Shall
      not include experimental or investigational procedures defined as a drug,
      biological product, device, medical treatment or procedure that meets any
      one of the following criteria, as determined by INSURER:

                1.  Reliable
      evidence shows the drug, biological product, device, medical treatment, or
      procedure when applied to the circumstances of a particular patient is the
      subject of ongoing phase I, II or III clinical trials; or,

                2.  Reliable
      evidence shows the drug, biological product, device, medical treatment or
      procedure when applied to the circumstances of a particular patient is
      under study with a written protocol to determine maximum tolerated dose,
      toxicity, safety, efficacy, or efficacy in comparison to conventional
      alternatives; or,

                3.  Reliable
      evidence shows the drug, biological product, device, medical treatment, or
      procedure is being delivered or should be delivered subject to the
      approval and supervision of an Institutional Review Board (IRB) as
      required and defined by federal regulations, particularly those of the
      U.S. Food and Drug Administration or the Department of Health and Human
      Services.

              	
                NONE

              

      

       

      
        
          Florida Healthy Kids
Corporation

          October
1, 2008

          s/s/
RR FHKC

          /s/
HS INSURERf

          
          

        

        
          Page 50
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                B.  Emergency Services

                Covered
      Services include visits to an emergency room or other licensed facility if
      needed immediately due to an injury or illness and delay means risk of
      permanent damage to the Enrollee’s health.

              	
                Must
      use an INSURER designated facility or provider for emergency care unless
      the time to reach such facilities or providers would mean the risk of
      permanent damage to Enrollee’s health.

                INSURER
      must also comply with the provisions of s. 641.513, Florida
      Statutes.

              	
                Ten
      dollars ($10.00) per visit waived if admitted or authorized by primary
      care physician

              
	
                C.
      Maternity Services and

                     Newborn Care

                Covered
      services include maternity and newborn care, prenatal and postnatal care,
      initial inpatient care of adolescent participants, including nursery
      charges and initial pediatric or neonatal examination.

              	
                Infant
      is covered for up to three (3) days following birth or until the infant is
      transferred to another medical facility, whichever occurs
      first.

                Coverage
      may be limited to the fee for vaginal deliveries.

              	
                NONE

              
	
                D.  Organ Transplantation

                      Services

                Covered
      services include pretransplant, transplant, post discharge services and
      treatment of complications after transplantation.

              	
                Coverage
      is available for transplants and medically related services if deemed
      necessary and appropriate within the guidelines set by the Organ
      Transplant Advisory Council or the Bone Marrow Transplant Advisory
      Council.

              	
                NONE

              
	
                E.
      Outpatient Services

                Preventive,
      diagnostic, therapeutic, palliative care, and other services provided to
      an Enrollee in the outpatient portion of a health facility licensed under
      Chapter 395.

                Covered
      services include well-child care, including those services recommended in
      the Guidelines for Health Supervision of Children and Youth as developed
      by Academy of Pediatrics; immunizations and injections as recommended by
      the Advisory Committee on Immunization Practices; health education
      counseling and clinical services; family planning services, vision
      screening; hearing screening; clinical radiological, laboratory and other
      outpatient diagnostic tests; ambulatory surgical procedures; splints and
      casts; consultation with and treatment by referral physicians; radiation
      and chemotherapy; chiropractic services; and  podiatric
      services.

              	
                Services
      must be provided directly by INSURER or through pre-approved
      referrals.

                Routine
      hearing screening must be provided by primary care physician.

                Family
      planning limited to one annual visit and one supply visit each ninety (90)
      days.

                Chiropractic
      services shall be provided in the same manner as in the Florida Medicaid
      program.

                Podiatric
      services are limited to one (1) visit per day totaling two (2) visits per
      month for specific foot disorders. Dental services must be provided by an
      oral surgeon for medically necessary reconstructive dental surgery due to
      injury.

                Immunizations
      are to be provided by the primary care physician.

                 

                Treatment
      for temporomandibular joint (TMJ) disease is specifically
      excluded.

                Shall
      not include experimental or investigational procedures defined as a drug,
      biological product, device, medical treatment or procedure that meets any
      one of the following criteria, as determined by INSURER:

                1.  Reliable
      evidence shows the drug, biological product, device, medical treatment, or
      procedure when applied to the circumstances of a particular Enrollee is
      the subject of ongoing phase I, II or III clinical trials;
or,

                2.  Reliable
      evidence shows the drug, biological product, device, medical treatment or
      procedure when applied to the circumstances of a particular Enrollee is
      under study with a written protocol to determine maximum tolerated dose,
      toxicity, safety, efficacy, or efficacy in comparison to conventional
      alternatives; or,

                3.  Reliable
      evidence shows the drug, biological product, device, medical treatment, or
      procedure is being delivered or should be delivered subject to the
      approval and supervision of an Institutional Review Board (IRB) as
      required and defined by federal regulations, particularly those of the
      U.S. Food and Drug Administration or the Department of Health and Human
      Services.

              	
                None
      Co-Payment for well child care, preventive care or for routine vision and
      hearing screenings.

                Five
      dollars ($5.00) per office visit

              

      

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

          
          

        

        
          Page 51
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                F.
      Behavioral Health
      Services

                Covered
      services include inpatient and outpatient care for psychological or
      psychiatric evaluation, diagnosis and treatment by a licensed mental
      health professional.

              	
                All
      services must be provided directly by INSURER or upon approved
      referral.

                Inpatient
      services are limited to not more than thirty (30) inpatient days per
      contract year for psychiatric admissions, or residential services in lieu
      of inpatient psychiatric admissions; however, a minimum of ten (10) of the
      thirty (30) days shall be available only for inpatient psychiatric
      services when authorized by INSURER physician.

                Outpatient
      services are limited to a maximum of forty (40) outpatient visits per
      contract year.

              	
                INPATIENT:
      NONE

                OUTPATIENT:
      Five dollars

                ($5.00)
      per visit.

              
	
                G.  Substance Abuse Services

                Includes
      coverage for inpatient  and outpatient care for drug and alcohol
      abuse including counseling and placement assistance.

                Outpatient
      services include evaluation, diagnosis and treatment by a licensed
      practitioner.

              	
                All
      services must be provided directly by INSURER or upon approved
      referral.

                Inpatient
      services are limited to not more than seven (7) inpatient days per
      contract year for medical detoxification only and thirty (30) days
      residential services.

                Outpatient
      visits are limited to a maximum of forty (40) visits per contract
      year.

              	
                INPATIENT:
      NONE

                OUTPATIENT:

                Five
      dollars ($5.00) per visit.

              

      

       

      
        
          Florida Healthy Kids
Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

          
          

        

        
          Page 52
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                H.  Therapy Services

                Covered
      services include physical, occupational, respiratory and speech therapies
      for short-term rehabilitation where significant improvement in the
      Enrollee’s condition will result.

              	
                All
      treatments must be performed directly or as authorized by
      INSURER.

                 

                Limited
      to up to twenty-four (24) treatment sessions within a sixty (60) day
      period per episode or injury, with the sixty (60) day period beginning
      with the first (1st)
      treatment.

              	
                Five
      dollars ($5.00) per visit.

              
	
                I.  Home Health Services

                Includes
      prescribed home visits by both registered and licensed practical nurses to
      provide skilled nursing services on a part-time intermittent
      basis.

              	
                Coverage
      is limited to skilled nursing services only.

                Meals,
      housekeeping and personal comfort items are excluded.

                Services
      must be provided directly by INSURER.

                Private
      duty nursing is limited to circumstances where such care is medically
      appropriate.

                 

              	
                Five
      dollars ($5.00) per visit.

              
	
                J.  Hospice Services

                Covered
      services include reasonable and necessary services for palliation or
      management of an Enrollee’s terminal illness.

              	
                Once
      a family elects to receive hospice care for an Enrollee, other services
      that treat the terminal condition will not be covered.

                Services
      required for conditions totally unrelated to the terminal condition are
      covered to the extent that such services are otherwise covered under this
      contract.

              	
                Five
      dollars ($5.00) per visit.

              
	
                K.
      Nursing Facility
Services

                Covered
      services include regular nursing services, rehabilitation services, drugs
      and biologicals, medical supplies, and the use of appliances and equipment
      furnished by the facility.

              	
                All
      admissions must be authorized by INSURER and provided by an INSURER
      affiliated facility.

                Participant
      must require and receive skilled services on a daily basis as ordered by
      an INSURER physician.

                The
      length of the Enrollee’s stay shall be determined by the medical condition
      of the Enrollee in relation to the necessary and appropriate level of
      care, but maybe no more than one hundred (100) days per contract
      year.

                Room
      and board is limited to semi-private accommodations unless a private room
      is considered medically necessary or semi-private accommodations are not
      available.

                Specialized
      treatment centers and independent kidney disease treatment centers are
      excluded.

                Private
      duty nurses, television, and custodial care are excluded.

                Admissions
      for rehabilitation and physical therapy are limited to fifteen (15) days
      per contract year.

              	
                NONE

              

      

       

       

      
        
          Florida Healthy Kids
Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

          
          

        

        
          Page 53
of 57

          
            

          

        

        
          
          

        

      

       

      
        	
                L.
      Durable Medical
          Equipment and
      Prosthetic

                      Devices

                Equipment
      and devices that are medically indicated to assist in the treatment of a
      medical condition and specifically prescribed as medically necessary by
      Enrollee’s INSURER physician.

              	
                Equipment
      and devices must be provided by authorized INSURER supplier.

                Covered
      prosthetic devices include artificial eyes, limbs, braces and other
      artificial aids.

                Low
      vision and telescopic lenses are not included.

                 

                Hearing
      aids are covered only when medically indicated to assist in the treatment
      of a medical condition.

              	
                NONE

                 

              
	
                M.  Refractions

                Examination
      by a INSURER optometrist to determine the need for and to prescribe
      corrective lenses as medically indicated.

              	
                Enrollee
      must have failed vision screening by primary care physician.

                 

                Corrective
      lenses and frames are limited to one (1) pair every two (2) years unless
      head size or prescription changes.

                 

                Coverage
      is limited to Medicaid frames with plastic or SYL non-tinted
      lenses.

              	
                Five
      dollars ($5.00) per visit.

                 

                Ten
      dollars ($10.00) for corrective lenses.

              
	
                M.
      Pharmacy

                Prescribed
      drugs for the treatment of illness or injury or injury.

              	
                Prescribed
      drugs covered under this Agreement shall include all prescribed drugs
      covered under the Florida Medicaid program.  INSURER is
      responsible for the coverage any drugs prescribed by Enrollee’s dental
      provider under Healthy Kids.

                INSURER
      may implement cost utilization controls or a pharmacy benefit management
      program if FHKC so authorizes.

                Brand
      name products are covered if a generic substitution is not available or
      where the prescribing physician indicates that a brand name is medically
      necessary.

                All
      medications must be dispensed through INSURER or an INSURER designated
      pharmacy.

                All
      prescriptions must be written by the Enrollee’s primary care physician,
      INSURER approved specialist or consultant physician or Enrollee’s dental
      provider.

              	
                Five
      dollars ($5.00) per prescription for up to a thirty one (31) day
      supply.

                 

                 

              
	
                N.  Transportation Services

                Emergency
      transportation as determined to be medically necessary in response to an
      emergency situation.

              	
                Must
      be in response to an emergency situation.

                 

              	
                Ten
      dollars ($10.00) per service

              

      

       

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 54
of 57

          
            

          

        

        
           

        

      

      III.           Cost
Sharing Provisions

       

      INSURER
shall comply with all cost sharing restrictions imposed on Enrollees by federal
or state laws and regulations, including the following specific
provisions:

      

      A.           Special
Populations

      

      FHKC
shall provide to INSURER on a monthly basis those Enrollees identified as Native
Americans or Alaskan Natives who are prohibited from paying any cost sharing
amounts, including co-payments.

       

      
        	
                 
      

              	
                B.

              	
                Cost
      Sharing Limited to No More than Five Percent (5%) of
    Family’s

              

      

       

                              Income

      

      FHKC will
also identify to INSURER other Enrollees who have met federal requirements
regarding maximum out of pocket expenditures. Enrollees identified by FHKC as
having met this threshold are not required to pay any further cost sharing for
covered services for a time specified by FHKC.

      

      INSURER
is responsible for informing its Providers of these provisions and ensuring that
such Enrollees incur no further out of pocket costs for covered services and are
not denied access to services. FHKC will provide these Enrollees with a letter
indicating that they may not incur any cost sharing obligations.

      

      IV.           Prior
Authorization Requirements

      

      All
requirements for prior authorizations must conform with federal and state
regulations and must be completed within fourteen (14) days of request by the
Enrollee. Extensions to this process may be granted in accordance with federal
or state regulations.

      
        
          Florida
Healthy Kids Corporation

          October
1, 2008

          /s/
RR FHKC

          /s/
HS INSURER

           

        

        
          Page 55
of 57

          
            

          

        

        
           

        

      

       

      
         ATTACHMENT
E – LIST OF REQUIRED REPORTS

      

      

      The
following chart summarizes the reports required under this Contract according to
the frequency of submission.  Monthly reports are due on the fifteenth
(15th) of
each month for the prior month; quarterly reports are due by the fifteenth
(15th) of
each month following the end of each quarter and annual reports are due by July
1st
(first) unless otherwise noted.

      

      This
chart is provided for reference purposes only; the provisions of the Contract
and any reporting requirements included herein will control.

      

      
        	
                At
      Contract Execution

              	
                Immediately

              	
                Monthly

              	
                Quarterly

              	
                Annually

              
	
                Insurance
      Coverages (Section 3-15)

              	
                Section
      3-19 Requirements (Section 3-19)

              	
                Provider
      Network Changes (Section 3-19)

              	
                Statistical
      Claims Data Reporting (Section 3-26)

              	
                Grievance
      Process

                (Section
      3-13)

              
	
                Lobbying
      Disclosures

                 (Section
      3-16)

              	
                Grievances
      before the Subscriber Assistance Panel

                (Section
      3-13)

              	 
      	
                Reports
      of filed Grievances (Section 3-13)

              	
                Lobbying
      Certification

                (Section
      3-16)

              
	
                Quality
      Assurance Plan (Section 3-22)

              	
                Termination
      of subcontractors or affiliates

                (Section
      3-29)

              	 
      	
                Medical
      Loss Ratio Reports

                (Section
      3-20-2)

              	
                Experience
      Adjustment – April 1

                 (Section
      3-20-3)

              
	
                Conflicts
      of Interest Disclosure Form

                (Section
      4-8)

              	
                Change
      of ownership or controlling interest

                (Section
      4-6)

              	 
      	
                Network
      Adequacy Attestations

                (Section
      3-29)

                 

              	
                Audited
      financial statements (Section 3-23)

                 

              
	 
      	
                Change
      of Notice and Contract Contact (Section 4-15)

              	 
      	 
      	
                Listing
      of Subcontractors and affiliates (Section 3-29)

                 

              
	 
      	
                Conflicts
      of Interest Disclosure Form (Section 4-8)

              	 
      	 
      	
                Member
      materials

                (Section
      3-18)

              
	 
      	 
      	 
      	 
      	
                Proof
      of insurance coverage (3-15)

              

      

      

        
          
            Florida
Healthy Kids Corporation

            October
1, 2008

            /s/
RR FHKC

            /s/
HS INSURER

             

          

          
            Page 56
of 57

            
              

            

          

          
             

          

        

      

       

      ATTACHMENT
F – DISCLOSURE FORM

      

      INSURER
NAME:   _____________________________

      

      The
following are relationships, business and personal, that may create a conflict
of interest that INSURER is hereby disclosing:

      

      
        	
                Type
      of Relationship

                (Business,
      Personal)

              	
                Name
      of Organization or Individual

              	
                Status
      of Organization or Individual

                (Current
      Contractor, Applicant, Enrollee, etc.)

              	
                Term
      of Relationship

              
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      

      

      

      By my
signature, I certify that the information contained in this report and any
attachments to this document are true representations. INSURER understands that
if any information is found to be false that the Contract between FHKC and
INSURER may be terminated at FHKC’s sole discretion.

      

      Submitted
By:                                                                                     Date
of Submission:

      

      /s/ Heath
Schiesser                                                                            7-17-08                                           

      (Signature
Above)

      Name:
Heath Schiesser

      Title:
Chief Executive Officer

       

      
      

       

      
        	 Florida Healthy Kids
      Corporation	
                /s/
      RR FHKC

              
	 October 1,
      2008	
                 /s/ HS
      INSURER

              

      

      Page 57 of
57EX-10.1

THE MIDLAND BUILDING

LEASE

Between

250 East Broad Street Properties, LLC

(“Landlord”)

(“Tenant”)

Ohio Indemnity Company

August 11, 2008

LEASE SUMMARY

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	A.
	 	Date of Execution	 	August 14, 2008	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	of Lease:	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	B.
	 	Landlord:	 	250 East Broad Street Properties, LLC	 	 	 	 
	C.
	 	Address of Landlord:	 	250 East Broad Street Properties, LLC	 	 	 	 
	 	 	 	 	 	 	250 East Broad Street, Suite 1250	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	Columbus, Ohio 43215	 	 	 	 	 	 	 	 
	D.
	 	Tenant:	 	Ohio Indemnity Company	 	 	 	 	 	 	 	 
	E.
	 	Address of Tenant:	 	250 E. Broad Street – 7th Floor	 	 	 	 
	 	 	 	 	 	 	Columbus, OH 43215	 	 	 	 	 	 	 	 
	F.
	 	Building:	 	The office building located at 250 E. Broad Street in Columbus, Ohio 43215
	G.
	 	Leased Premises:	 	That portion of the Building outlined on Exhibit A and known as Suite 700.
	 	 	 	 	 	 	The leased premises contains 11,700 square feet of rentable space and are
	 	 	 	 	 	 	located on the 7th floor.	 	 	 	 	 	 	 	 
	H.
	 	Permitted Use:	 	General office use.	 	 	 	 	 	 	 	 
	I.
	 	Lease Term:	 	Seven (7) Years	 	 	 	 	 	 	 	 	 	 	 	 
	J.
	 	Commencement Date:	 	January 1, 2009	 	 	 	 	 	 	 	 	 	 	 	 
	K
	 	Termination Date:	 	December 31, 2015	 	 	 	 	 	 	 	 
	L.
	 	Full Service Rent:	 	Lease	 	PRSF	 	Monthly    Full	 	Annual
	 
	 	 	 	 	 	Period	 	Full Service Rent	 	Service Rent	 	Full Service Rent
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Year 1:	 	$16.00/SF	 	$	15,600.00	 	 	$	187,200	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Year 2:	 	$	16.50	 	 	$	16,087.50	 	 	$	193,050	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Year 3:	 	$	17.00	 	 	$	16,575.00	 	 	$	198,900	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Year 4:	 	$	17.50	 	 	$	17,062.50	 	 	$	204,750	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Year 5:	 	$	18.00	 	 	$	17,550.00	 	 	$	210,600	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Year 6:	 	$	18.50	 	 	$	18,037.50	 	 	$	216,450	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Year 7:	 	$	19.00	 	 	$	18,525.00	 	 	$	222,300	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	M.
	 	Tenant Improvements:	 	Landlord will turnkey tenant improvements at its cost per the signed off
	 	 	 	 	 	 	drawings dated August 4, 2008	 	 	 	 	 	 	 	 

1

	 	 	 	 	 	 	 	 	 
	N.
	 	Payment Due Dates:	 	All monthly installments of the Full
	 
	 	 	 	 	 	Service Rent shall be due and payable in
	 
	 	 	 	 	 	advance on or before the first
	 
	 	 	 	 	 	(1st) day of each calendar
	 
	 	 	 	 	 	month during the Lease Term.
	O.
	 	Security Deposit:	 	$	15,600.00	 
	P.
	 	Real Estate Brokers:	 	CB Richard Ellis representing the Landlord.
	 
	 	 	 	 	 	CB Richard Ellis representing the Tenant.
	Q.
	 	Parking:	 	Tenant will have the right to the
	 
	 	 	 	 	 	following guaranteed reserved  parking
	 
	 	 	 	 	 	spaces in the attached garage for the
	 
	 	 	 	 	 	initial term:
	 
	 	 	 	 	 	(24) spaces @ $100 /space/month
	 
	 	 	 	 	 	Parking shall increase $5.00 per space per
	 
	 	 	 	 	 	year during the term of this lease.
	 
	 	 	 	 	 	Tenant shall also have the temporary use
	 
	 	 	 	 	 	of an additional 11 spaces in the garage
	 
	 	 	 	 	 	at the aforementioned rates.  Landlord
	 
	 	 	 	 	 	shall have the right to terminate the
	 
	 	 	 	 	 	temporary parking by giving tenant 90 days
	 
	 	 	 	 	 	notice.
	R.
	 	Proportionate Share:	 	 	5.25% (11,700/222,878	)
	S.
	 	Rent Abatement:	 	Tenant will receive five (5) months of
	 
	 	 	 	 	 	full service rent abatement at the
	 
	 	 	 	 	 	beginning of this lease term.
	T.
	 	Storage:	 	Tenant shall have the right to lease its
	 
	 	 	 	 	 	existing storage space containing
	 
	 	 	 	 	 	approximately 1,600 sq. ft. on the
	 
	 	 	 	 	 	3rd floor of the building for
	 
	 	 	 	 	 	$933.33 per month.  Landlord reserves the
	 
	 	 	 	 	 	right to relocate said storage at its cost
	 
	 	 	 	 	 	to other available storage in the building
	 
	 	 	 	 	 	should it come available.  The size of any
	 
	 	 	 	 	 	such substitute storage space shall be
	 
	 	 	 	 	 	equal to or greater than the original
	 
	 	 	 	 	 	storage space.  Tenant’s monthly storage
	 
	 	 	 	 	 	fee for the substitute storage space shall
	 
	 	 	 	 	 	remain the same.

2

LEASE

THE MIDLAND BUILDING

COLUMBUS, OHIO

THIS LEASE made as of this 11th day of August, 2008 (this “Lease”) between 250 East Broad
Street Properties, LLC, (“Landlord”), and Ohio Indemnity Company, an Ohio Corporation, whose
address is 250 East Broad Street, Columbus, OH 43215 (“Tenant”).

WITNESSETH:

Landlord hereby agrees to lease to Tenant, and Tenant hereby agrees to accept, the premises
(the “Premises”) designated on the plan attached hereto as Exhibit A and commonly described as
space on the seventh (7th) floor containing approximately 11,700 square feet of
“Rentable Area” in the building known as The Midland Building (the “Building”) located on a parcel
of land at the northeast corner of 5th Street and East Broad Street, in the City of Columbus,
Franklin County, Ohio (the “Land”), subject to the terms and conditions of this Lease. Tenant
shall also have the right to lease storage space (“Storage Space”) as described in the Lease
Summary. During the Lease Term, Tenant shall have the nonexclusive right to use all areas in and
around the Building made available from time to time by Landlord for the common use of the
occupants of the Building (“common areas”).

In consideration thereof, Landlord and Tenant covenant and agree as follows:

1. TERM.

The term of this Lease (the “Term”) shall commence on January 1, 2009 (the
“Commencement Date”) and end on December 31st, 2015 (the “Termination Date”),
unless sooner terminated (or extended) as provided herein.

2. FULL SERVICE RENT.

A. Full Service Rent. Tenant shall pay Full Service Rent in the amount set forth in
the Lease Summary. All Rental payments due until this Lease shall be payable by the Tenant on the
first (1st) day of every month to the Landlord as follows, or to such other place as
Landlord shall from time to time designate. Notwithstanding anything to the contrary set forth in
this Lease, Tenant will also receive rent abatement as set forth in the Lease Summary.

250 East Broad Street Properties, 250 E. Broad Street, Suite 1250, Columbus, Ohio 43215

B. Operating Expense Payments. Tenant shall pay its Proportionate Share of any
increase in Operating Expenses over and above the Operating Expenses in the base year, subject,
however, to the “cap” described below. Base year will be calendar year 2009.

Proportionate Share shall mean the percentage set forth in the Lease Summary, using the
percentage calculated by dividing the rentable area of the Premises by the rentable area of the
Building. Landlord represents and warrants that the rentable areas of the Building and Premises
have been calculated in accordance with applicable BOMA standards.

“Cap” on Controllable Operating Expenses: The forgoing notwithstanding, the amount that
Tenant shall be required to pay each year as its Proportionate Share of Controllable Operating
Expenses in excess of base year Controllable Operating Expenses shall not increase by more than
four percent (4%) over the amount payable therefor for the previous calendar year. Those expenses
which are included within the definitions of “Operating Expenses” and “Controllable Operating
Expenses” are set forth below. The amount payable by Tenant under this paragraph B as Tenant’s
Proportionate Share of Operating Expenses in excess of base year Operating Expenses, after
applying the “cap” on Controllable Operating Expenses described above, is sometimes referred to
herein as Tenant’s “Operating Expense Payment(s).”

Beginning with calendar year 2010, Tenant shall pay Operating Expenses Payments
monthly along with the Full Service Rent based upon Landlord’s estimate of the Operating Expenses
which will be incurred during each calendar year during the Lease Term. Tenant’s Operating
Expense Payments for the first calendar year of the Lease Term are included in the Full Service
Rent for the first year. Landlord will use its best efforts to notify Tenant by the end of each
calendar year during the Lease Term of the amount of Tenant’s estimated Operating Expense Payment
for the upcoming calendar year.

As soon as reasonably practicable after the end of each calendar year (but no later than one
hundred twenty (120) days after the end of such year), Landlord will deliver to Tenant a written
operating expense statement, reasonably itemized, showing the actual Operating Expenses and actual
Controllable Operating Expenses for such calendar year, the sum of the payments made by Tenant for
such year as its estimated Operating Expenses Payments, and the amount of Tenant’s actual Operating
Expenses Payments for such year. If the sum of the estimated Operating Expense Payments paid by
Tenant during such calendar year exceeds Tenant’s actual Operating Expense Payments for such year,
then Landlord will pay such excess amount to Tenant within thirty (30) days after the date on which
the amount of such excess Operating Expense Payments are determined but in any event no later than
120 days after the end of such year; or if the Lease Term has ended, Landlord shall refund such
excess amount to Tenant. If the sum of the estimated Operating Expense Payments paid by Tenant
during such calendar year is less than Tenant’s actual Operating Expense Payments for such year,
then Tenant will pay the deficiency to Landlord with thirty (30) days after Tenant’s receipt of
Landlord’s written operating expense statement. If the Lease Term begins on a day other than
January 1st or expires on a date other than December 31st, Tenant’s Operating Expense Payments for
the first and last calendar year during which the Lease Term is in effect will be prorated to take
into consideration the number of days during such calendar year in which the Lease Term is in
effect.

Tenant will have the right, upon reasonable prior written notice to Landlord, to audit and
inspect Landlord’s books and records with respect to Landlord’s computation of its Operating
Expenses for any particular calendar year. Any such right of audit and inspection for a particular
calendar year must be exercised, if at all, within one hundred twenty (120) days after Tenant’s
receipt of Landlord’s operating expense statement for such calendar year. If Tenant fails to so
exercise its audit and inspection right within such 120-day period, then its rights with respect to
the subject calendar year will terminate for all purposes of this Lease. If any audit or
inspection conducted by Tenant discloses an overage in the amount billed to Tenant over the amounts
actually due from Tenant hereunder, then Landlord will reimburse Tenant: (a) for such overage; and
(b) to the extent such overage exceeds five (5%) of the amount actually due from Tenant hereunder,
for all reasonable out-of-pocket costs and professional fees incurred by Tenant in connection with
its auditing and inspection of Landlord’s books and records. The reimbursements referred to in the
immediately preceding sentence will be made by Landlord to Tenant within thirty (30) days after
Landlord’s receipt of a detailed invoice identifying the amounts of such reimbursements. Except as
otherwise expressly provided herein, Tenant will bear all costs associated with the auditing and
inspection of Landlord’s books and records.

C. Definitions of Operating Expenses

(1) “Tenant’s Proportionate Share of Operating Expenses” shall mean a percentage
factor, determined by dividing the rentable square footage contained in the Premises by the
rentable square footage contained in the Building, multiplied by the amount of Operating
Expenses.

(2) “Base Year” shall mean calendar year 2009.

(3) “Operating Expenses” shall mean those expenses paid or incurred by or on behalf of
Landlord in respect to the operation of the Building, including without limitation, real
estate taxes, utilities, maintenance, repairs, payroll, management fees, and janitorial
services. Landlord shall provide janitorial services Monday through Friday with major
holidays excepted. “Controllable Operating Expenses” shall mean all Operating Expenses
excluding real estate taxes, utility costs, and insurance premiums.

The foregoing notwithstanding, the following items shall be excluded from Operating
Expenses:

(a) The cost of any special service rendered to a tenant of the Building which is not
rendered generally to the other tenants of the Building;

(b) Costs of initial improvements to, or initial alterations of, space leased or to be
leased to any tenant of the Building for the sole benefit of such tenant, and the cost of
correcting defects in the original construction of the Building;

(c) Costs and expenses incurred in connection with leasing space in the Building, such
as leasing commissions, tenant allowances, space planner fees, advertising and promotional
expenses, legal fees for the preparation of leases, and rent payable with respect to any
leasing office;

(d) Costs of capital improvements to the building;

(e) Principal or interest payments on loans secured by mortgages on the Building or on
the Lot, and any rental under any ground or underlying lease or leases of the Building;

(f) Interest or penalties for late payments by Landlord, except to the extent resulting
from a default by Tenant;

(g) The cost of repairing or restoring any substantial portion of the Building damaged
by fire or other casualty to the extent such casualty is customarily insured against by
landlords of office buildings of similar size, age and construction in the same urban area;

(h) The cost of repairs, alterations or replacements required as a result of the
exercise of any right of eminent domain;

(i) The cost of items and services which are reimbursable by Tenant or other tenants of
the Building or which are paid directly by Tenant or other tenants to third persons, and any
other costs for which Landlord received reimbursement;

(j) Costs incurred in advertising and promotional activities for the Building;

(k) Costs of performing any clean up, remediation, evaluation or other costs associated
with Hazardous Materials (as defined below) at the Project;

(l) Costs associated for collection of rent from other tenants AFTER they have
defaulted on their lease payment or any other costs incurred by Landlord in connection with
the enforcement of leases against the tenants of the Building, including without limitation
legal fees and arbitration and mediation costs; and

(m) Depreciation.

If the Building is only partially occupied during any calendar year, Landlord shall estimate
the Operating Expenses for the calendar year as if the Building were at least ninety-five percent
(95%) occupied.

If Landlord is permitted by a taxing authority to pay real estate taxes or assessments in
installments, then, for purposes of this section, Landlord shall be deemed to have elected to pay
the taxes and assessments in installments over the longest time period permitted, and the amount of
such taxes and assessments included in Operating Expenses for any given year shall be the sum of
such installments allocable to such year.

3. USE OF THE PREMISES.

A. Reserved Areas. This Lease does not give Tenant any right to use, and Landlord
hereby excludes and reserves for its sole and exclusive use, the following areas in and about the
Premises: janitor closets, stairways and stairwells outside Tenant’s finished space, fan,
mechanical, electrical, telephone and similar rooms (other than those installed for Tenant’s
exclusive use); elevator, pipe and other vertical shafts, flues and ducts; all areas above the
acoustical ceiling and below the finished floor covering installed in the Premises; all other
structural or mechanical elements serving other areas of the Building; and all subterranean,
mineral, air, light and view rights.

B. Permitted Use. Tenant shall use and occupy the Premises for any general office
purpose and incidental related purposes consistent with the operation of a first-class office
building in Columbus, Ohio.

C. Compliance with Laws. Tenant shall not use or permit the use of any part of the
Premises for any purpose prohibited by law or in any manner that would create any nuisance or
interfere with, annoy or disturb any other tenant or Landlord in its operation of the Building.
Tenant shall, at its sole expense, comply with and conform to all of the requirements of all
governmental authorities having jurisdiction over the Building which relate in any way to the
condition, use and occupancy of the Premises throughout the entire Term of this Lease. Tenant
represents and warrants that, on the Commencement Date, the Premises and Building will be in
compliance with all applicable laws.

D. Hazardous Materials. Tenant agrees that it will not use, handle, generate, treat,
store or dispose of, or permit the handling, generation, treatment, storage or disposal of any
Hazardous Materials (as defined hereinafter) in, on, under, around or above the Premises, the
Building or the Land, now or at any future time and will indemnify, defend and save Landlord
harmless from any and all actions, proceedings, claims, costs, expenses and losses of any kind,
including, but not limited to, those arising from injury to any person, including death, damage to
or loss of use or value of real or personal property, and costs of investigation and cleanup in
connection with the existence of Hazardous Materials on the Premises caused by Tenant during the
Term hereof. The term “Hazardous Materials”, when used herein, shall include, but shall not be
limited to, any substances, materials or wastes to the extent quantities thereof are regulated by
the City of Columbus or any other local governmental authority, the State of Ohio, or the United
States of America because of toxic, flammable, explosive, corrosive, reactive, radioactive or other
properties that may be hazardous to human health or the environment, including asbestos and
including any materials or substances that are listed in the United States Department of
Transportation Hazardous Materials Table, as amended, 49 C.F.R. 172.101, or in the Comprehensive
Environmental Response, Compensation and Liability Act, as amended, 42 U.S.C. subsections 9601 et
seq., or the Resource Conservation and Recovery Act, as amended, 42 U.S.C. subsections 6901 et
seq., or any other applicable governmental regulation imposing liability or standards of conduct
concerning any hazardous, toxic or dangerous substances, waste or material, now or hereafter in
effect. Tenant does hereby indemnify, defend and hold harmless the Landlord and its agents and
their respective officers, directors, beneficiaries, shareholders, partners, agents and employees
from all fines, suits, procedures, claims and actions of every kind, and all costs associated
therewith (including attorneys’ and consultants’ fees) arising by, through or under Tenant, its
agents, employees, contractors, servants and invitees and out of or in any way connected with any
deposit, spill, discharge or other release of Hazardous Materials caused by Tenant that occurs
during the Term of this Lease, at or from the Premises, or which arises at any time from Tenant’s
use or occupancy of the Premises, or from Tenant’s failure to provide all information, make all
submissions, and take all steps required by all applicable governmental authorities. Tenant’s
obligations and liabilities under this paragraph shall survive the expiration of the Term of this
Lease. Landlord represents and warrants to Tenant that, to the best of Landlord’s knowledge, on
the Commencement Date, there shall be no Hazardous Materials at the Premises or elsewhere at the
Project.

4. POSSESSION.

A. Possession of the Premises shall be tendered to Tenant by Landlord on the Commencement Date
provided Landlord has substantially completed its express obligations set forth in the Work Letter
attached hereto as Exhibit [B] and made a part hereof (the “Work Letter”). If Landlord is unable to
complete substantially such obligations by the specified Commencement Date or Landlord is unable to
tender possession on such date by reason of the holding over or retention of possession by any
tenant or occupant, this Lease shall nevertheless continue in force and effect, but the
Commencement Date shall be delayed until such time as such obligations of Landlord are
substantially completed or Landlord has tendered possession, as the case may be, and Landlord shall
have no other liability whatsoever on account of such delay. However, there shall be no
postponement of the Commencement Date to the extent that Landlord’s obligations are not
substantially completed because of any delays caused by Tenant as described in the Work Letter.
Landlord’s obligations shall not be deemed incomplete if only insubstantial details of
construction, decoration or mechanical adjustments remain to be done. The determination of
Landlord’s architect or interior space planner for the Building shall be final and conclusive on
Tenant as to whether such obligations have been substantially completed.

B. If Landlord’s obligations to improve the Premises, if any, are substantially completed
prior to the Commencement Date and Landlord and Tenant agree, without in any way being bound to so
agree, Tenant may take possession of the Premises or part thereof prior to the Commencement Date.
In such event, all of the covenants and conditions of this Lease shall be binding upon the parties
hereto with respect to such whole or part of the Premises as of the date when Tenant took
possession and Tenant shall pay Full Service Rent at the initial annual rate stated herein, without
abatement, prorated for the period of such occupancy prior to the Commencement Date. If less than
the whole Premises are occupied and the unoccupied portions have not been substantially completed
due to the fault of Landlord. Rent shall also be prorated based on the percentage the occupied
portion comprises the full Premises.

C. Under no circumstances shall the occurrence of any of the events described in this Section
be deemed to accelerate or defer the Termination Date.

D. The Tenant’s taking possession of any portion of the Premises shall be conclusive evidence
that such portion of the Premises was in good order and satisfactory condition when the Tenant took
possession, except as to defects contained on a punch list to be prepared and signed by Landlord
and Tenant based on an inspection made prior to the date on which Tenant takes possession of such
portion of the Premises and except for defects not reasonably discoverable upon an ordinary
inspection of the Premises; provided, however, that if the Premises are not available to Tenant for
such inspection prior to the date on which Tenant takes possession, such punch list shall be
prepared and signed by Landlord and Tenant within seven (7) days after Tenant takes possession of
such portion of the Premises. Landlord shall promptly correct all defects noted on such agreed
punch list. No promise of the Landlord to construct, alter, remodel or improve the Premises or the
Building and no representation by Landlord or its agents respecting the condition of the Premises
or the Building have been made to Tenant or relied upon by Tenant other than as may be contained in
this Lease.

5. SERVICES.

A. Landlord’s Repair and Maintenance. Subject to the condemnation and casualty
provisions contained in this Lease and except as otherwise expressly provided herein, Landlord will
maintain and repair the common areas of the Project, including lobbies, stairs, elevators,
corridors, and restrooms, the windows in the Building, the mechanical, plumbing and electrical
equipment serving the Building, the parking garage, the roof and structure of the Building, and the
walkways, driveways, and landscaped areas at the Project, if any, in reasonably good order and
condition. Landlord shall maintain the Building in a first-class condition comparable to other
Class A office buildings in the area in which the Building is located.

B List of Services. Landlord will furnish the Premises with services, including
without limitation:

(1) electricity for lighting and the operation of low-wattage office machines (such as
desktop calculators, personal computers and photocopy machines) during Business Hours,
although Landlord will not be obligated to furnish more power to the Premises than is
proportionally allocated to the Premises under the Building design;

(2) heat and air conditioning reasonable required for the comfortable occupation of the
Premises during Business Hours;

(3) access and elevator service (at least one passenger elevator shall be in service 24 hours
day/7 days per week);

(4) lighting replacement during Business Hours (for building standard lights, but not
for any special Tenant lights, which will be replaced at Tenant’s sole cost and expense);

(5) restroom supplies;

(6) window washing with reasonably frequency, as determined by Landlord; and

(7) daily cleaning service on weekdays, (in accordance with Exhibit C, which is
attached hereto).

As used herein, “Business Hours” means 8:00 am to 5:00 pm Mondays
through Fridays.

Tenant’s Computer Server Room: With reference to subparagraph B(2) above, Landlord, at no
additional expense to Tenant, shall maintain the temperature in Tenant’s computer server room at
72° F or cooler (but no colder than 60° F) on a 24 hour/day, 7 days/week basis.

Landlord may provide, but will not be obligated to provide, any such services (except access
and elevator service) on holidays or weekends. Electricity will be available to the Premises and
will, at Landlord’s option, be separately metered or directly sub metered for the Premises. The
cost of electricity at such secondary rates as applicable will be due and payable by the Tenant as
billed during the Term of this Lease. There shall be a minimum of one (1) security guard on site
at all times and security guard in the garage during business hours. There shall provide a card
access system to the garage, building elevators, and building exterior for after hour
accessibility.

Tenant will have the right to purchase the use during Business Hours and non-Business Hours
the services described in clauses (b) (1) and (2) in excess of the amounts Landlord has agreed to
furnish so long as:

(1) Tenant gives Landlord reasonable prior written notice of its desire to do so;

(2) the excess services are reasonably available to Landlord and to the Premises; and

(3) Tenant pays as Additional Rent (at the time the next payment of Monthly Rent is
due) the cost of such excess service charged by Landlord from time to time for providing
such additional or excess services.

C. Tenant’s Costs. Whenever equipment or lighting (other than building standard
lights) is used in the Premises by Tenant and such equipment or lighting affects the temperature
otherwise normally maintained by the design of the Building’s air conditioning system, Landlord
will have the right, after prior written notice to Tenant, to install supplementary air
conditioning facilities in the Premises or otherwise modify the ventilating and air conditioning
system serving the Premises; and the cost of such facilities, modifications, and additional service
will be paid by Tenant as Additional Rent. If Landlord reasonably believes that Tenant is using
more power than normal business usage then Tenant may be billed extra service charges.

D. Limitation on Liability. Landlord will use reasonable efforts to diligently remedy
any interruption in the furnishing of such services. Landlord reserves the right temporarily to
discontinue such services at such times as may be necessary by reason of accident; repairs,
alterations or improvements; strikes; lockouts; riots; acts of God; governmental preemption in
connection with a national or local emergency; any rule, order, or regulation of any governmental
agency; conditions of supply and demand that make any product unavailable; Landlord’s compliance
with any mandatory governmental energy conservation or environmental protection program, or any
voluntary energy conservation program at the request of or with consent or acquiescence of Tenant;
or any other happening beyond the control of Landlord. Landlord will not be liable to Tenant or
any other person or entity for direct or consequential damages resulting from the admission to or
exclusion from the Building or Project of any person. In the event of invasion, mob, public
excitement, strikes, lockouts, or other circumstances rendering such action advisable in Landlord’s
sole opinion, Landlord will have the right to prevent access to the Building or Project during the
continuance of the same by such means as Landlord, in its sole discretion, may deem appropriate,
including without limitation locking doors and closing parking areas and other common areas.
Unless caused by the willful acts of Landlord, its employees, agents or contractors or Landlord’s
breach of this Lease, Landlord will not be liable for damages to person or property or for injury
to, or interruption of, business for any discontinuance nor will such discontinuance in any way be
construed as an eviction of Tenant or cause an abatement of Rent or operate to release Tenant from
any of Tenant’s obligations under this Lease.

	6.	 	TENANT CARE OF PREMISES:

Tenant will maintain the Premises (including Tenant’s equipment, personal property, and trade
fixtures located in the Premises) in their condition at the time they were delivered to Tenant,
reasonable wear and tear excluded. Tenant will immediately advise Landlord of any damage to the
Premises. All damage or injury to the Premises, the Project, or the fixtures, appurtenances, and
equipment in the Premises or the Project that is caused by Tenant, its agents invitees or employees
may be repaired, restored, or replaced by Landlord, at the expense of Tenant. Such expense (plus
15% of such expense for Landlord’s overhead) will be collectible as Additional Rent and will be
paid by Tenant within 10 days after delivery of the statement for such expense.

7. ADDITIONS AND ALTERATIONS

Tenant shall not, without the prior written consent of Landlord (not to be unreasonably
withheld), make any alterations, improvements or additions to the Premises. Landlord’s refusal to
give said consent shall be conclusive. If Landlord consents to said alterations, improvements or
additions, it may impose such reasonable conditions with respect thereto as Landlord deems
appropriate, including, without limitation, requiring Tenant to furnish Landlord with security for
the payment of all costs to be incurred in connection with such work, insurance against liabilities
which may arise out of such work, plans and specifications plus permits necessary for such work and
“as-built” drawings or an accurately marked record set of drawings showing the actual location of
said alterations, improvements and additions. The work necessary to make any alterations,
improvements or additions to the Premises, whether prior to or subsequent to the Commencement Date,
shall be done at Tenant’s expense by employees of, or contractors hired by, Landlord except to the
extent Landlord gives its prior written consent to Tenant’s hiring its own contractors (which
consent shall not be unreasonably withheld, except that Landlord may arbitrarily withhold consent
in cases involving Building systems such as plumbing, HVAC and electrical). Tenant shall promptly
pay to Landlord or the Tenant’s contractors, as the case may be, when due, the cost of all such
work and of all decorating required by reason thereof. Tenant shall also pay to Landlord a
percentage of the cost of such work (such percentage to be established on a uniform basis for the
Building) sufficient to reimburse Landlord for all overhead, general conditions, fees and other
costs and expenses arising from Landlord’s involvement with such work forthwith upon being billed
for the same. Upon completion of such work Tenant shall deliver to Landlord, if payment is made
directly to contractors, evidence of payment, contractors’ affidavits and full and final waivers of
all liens for labor, services or materials all in form satisfactory to Landlord. Tenant shall
defend and hold Landlord and the Land and Building harmless from all costs, damages, liens and
expenses related to such work. All work done by Tenant or its contractors pursuant to this Section
shall be done in a first-class workmanlike manner using only good grades of materials and shall
comply with all insurance requirements and all applicable laws and ordinances and rules and
regulations of governmental departments or agencies.

8. COVENANT AGAINST LIENS.

Tenant has no authority or power to cause or permit any lien or encumbrance of any kind
whatsoever, whether created by act of Tenant, operation of law or otherwise, to attach to or be
placed upon Landlord’s title or interest in the Land, Building or Premises, and any and all liens
and encumbrances created by Tenant shall attach to Tenant’s interest only. Tenant covenants and
agrees not to suffer or permit any lien of mechanics or materialmen or others to be placed against
the Land, Building or the Premises with respect to work or services claimed to have been performed
for or materials claimed to have been furnished to Tenant or the Premises, and, in case of any such
lien attaching, or claim thereof being asserted, Tenant covenants and agrees to cause it to be
immediately released and removed of record. In the event that such lien is not released and removed
within thirty (30) days, Landlord, at its sole option, may take all action necessary to release and
remove such lien (without any duty to investigate the validity thereof) and Tenant shall promptly
upon notice reimburse Landlord for all sums, costs and expenses (including reasonable attorney’s
fees) incurred by Landlord in connection with such lien.

9. INSURANCE.

A. Waiver of Subrogation. Notwithstanding anything in this Lease to the contrary,
Landlord and Tenant each hereby waive any and every claim for recovery from the other for any and
all loss of or damage to the Building or Premises or to the contents thereof, which loss or damage
is covered by valid and collectible physical damage insurance policies, or which would be covered
if insurance required hereunder were in effect. Inasmuch as this mutual waiver will preclude the
assignment of any such claim by subrogation (or otherwise) to an insurance company (or any other
person), Landlord and Tenant each agree to give to each insurance company which has issued, or in
the future may issue, to it policies of physical damage insurance, written notice of the terms of
this mutual waiver, and to have said insurance policies properly endorsed, if necessary, to prevent
the invalidation of said insurance coverage by reason of said waiver.

B. Coverage. Tenant shall purchase and maintain insurance during the entire Term for
the benefit of Tenant and Landlord (as their interest may appear) with terms, coverages and in
companies satisfactory to Landlord, and with such increases in limits as Landlord may from time to
time request, but initially Tenant shall maintain the following coverages in the following amounts:

(1) Commercial general liability insurance, naming Landlord and Landlord’s management
agent as additional insureds, covering any liability for bodily injury, personal injury and
property damage arising out of Tenant’s operations, assumed liabilities or use of the
Premises, for limits of liability not less than:

	 	 	 
	Bodily Injury Liability

	 	$2,000,000 each occurrence

$2,000,000 annual aggregate
	Personal Injury Liability

	 	$2,000,000 annual aggregate
	Property Damage Liability

	 	$1,000,000 each occurrence

$1,000,000 annual aggregate

(2) Physical damage insurance covering all office furniture, trade fixtures, office
equipment, merchandise and all other items of Tenant’s property on the Premises. Such
insurance shall be written on an “all risks” of physical loss or damage basis, for the full
replacement cost value of the covered items and in amounts that meet any coinsurance clause
of the policies of insurance.

(3) To the extent applicable, “dram-shop” insurance or host liquor liability insurance
naming Tenant, Landlord, Landlord’s beneficiary and Landlord’s management agent covering any
liability that might arise from the sale, provision or use of alcoholic beverages by Tenant
on the Premises in an amount reasonably satisfactory to Landlord from time to time in light
of statutory limits.

Tenant shall, prior to the Commencement Date, furnish to Landlord certificates evidencing
such coverage, which certificates shall state that such insurance coverage may not be
changed or canceled without at least ten days prior written notice to Landlord and Tenant.

C. Avoid Action Increasing Rates. Tenant shall comply with all applicable laws and
ordinances, all orders and decrees of court and all requirements of other governmental authorities,
and shall not, directly or indirectly, make any use of the Premises which may thereby be prohibited
or be dangerous to person or property or which may jeopardize any insurance coverage or may
increase the cost of insurance or require additional insurance coverage. If by reason of the
failure of Tenant to comply with the provisions of this Section, any insurance premium is
increased, Tenant shall make immediate payment of the increased insurance premium upon demand by
Landlord or if insurance coverage is jeopardized, Landlord shall have the option to terminate this
Lease by written notice to Tenant.

D. Landlord’s Insurance. Landlord shall insure the Building on an “all risks” of
physical loss or damage basis, in an amount equivalent to the full replacement cost of the
Building, and shall maintain commercial general liability insurance as is customarily maintained by
landlords of first class office buildings in downtown Columbus, Ohio. These insurance provisions
shall in no way limit or modify Tenant’s obligations under the provisions of this Lease. All
insurance premiums on such policies and the deductible portion of any claims thereunder shall be
included in Operating Expenses.

10. FIRE OR CASUALTY.

A. If the Premises or the Building (including machinery or equipment used in its operation)
shall be damaged by fire or other casualty and if such damage does not render all or a substantial
portion of the Premises or Building untenantable and if such damage is covered by Landlord’s
insurance, then Landlord shall repair and restore the same with reasonable promptness, subject to
reasonable delays for insurance adjustments and delays caused by matters beyond Landlord’s
reasonable control, but shall not be obligated to expend therefore an amount in excess of the
proceeds of insurance recovered with respect thereto. If any such damage renders all or a
substantial portion of the Premises or Building untenantable or if such damage is uninsured and not
covered by customary fire and extended coverage insurance or if any damage by fire or other
casualty occurs within two (2) years of the Termination Date which renders all or a substantial
portion of the Premises untenantable, Landlord and Tenant shall each have the right to terminate
this Lease as of the date of such damage (with appropriate prorations of Rent being made for
Tenant’s possession subsequent to the date of such damage of those tenantable portions of the
Premises) upon giving written notice to the other party at any time within one hundred twenty (120)
days after the date of such damage. If the Lease is no so terminated, Landlord shall have no
liability to Tenant, and Tenant shall not be entitled to terminate this Lease, by virtue of any
delays in completion of such repairs and restoration. Rent, however, shall abate on those portions
of the Premises as are, from time to time, untenantable as a result of such damage.

B. Landlord shall repair or restore any portion of the alterations, additions or improvements
in the Premises or the decorations thereto to the extent that such alterations, additions,
improvements and decorations were provided by Landlord at the beginning of the Term. Landlord
shall have no further obligation pursuant to this Lease to repair or restore any alterations,
additions or improvements in the Premises or the decorations thereto. If Tenant desires any other
or additional repairs or restoration and if Landlord consents thereto, the same shall be done at
Tenant’s sole cost and expense subject to all of the provisions of Section 7 hereof. Tenant
acknowledges that Landlord shall be entitled to the full proceeds of any insurance coverage,
whether carried by Landlord or Tenant, for damage to alterations, additions, improvements or
decorations which would become Landlord’s property upon the termination of this Lease.

11. WAIVER OF CLAIMS — INDEMNIFICATION.

To the extent not prohibited by law, Landlord and Landlord’s partners, affiliates, officers,
agents, servants and employees shall not be liable for any damage either to person, property or
business or resulting from the loss of use thereof sustained by Tenant or by other persons due to
the Building or any part thereof or any appurtenances thereof becoming out of repair, or due to the
happening or any accident or event in or about the Building, including the Premises, or due to any
act or neglect of any tenant or occupant of the Building or of any other person. This provision
shall apply particularly, but not exclusively, to damage caused by gas, electricity, snow, ice,
frost, steam, sewage, sewer gas or odors, fire, water or by the bursting or leaking of pipes,
faucets, sprinklers, plumbing fixtures and windows, and shall apply without distinction as the
person whose act or neglect was responsible for the damage and whether the damage was due to any of
the causes specifically enumerated above or to some other cause of an entirely different kind;
provided however, that the provisions of this section shall not excuse Landlord for liability for
damage or loss resulting from the willful acts of Landlord, its employees, agents or contractors.
Tenant further agrees that all personal property upon the Premises, or upon loading docks,
receiving and holding areas, or freight elevators of the Building, shall be at the risk of Tenant
only, and that Landlord shall not be liable for any loss or damage thereto or theft thereof.
Without limitation of any other provisions thereof, Tenant agrees to defend, protect, indemnify and
save harmless Landlord and Landlord’s beneficiary and their respective partners, affiliates,
officers, agents, servants and employees from and against all liability to third parties arising
out of the use of the Premises or acts of Tenant or its servants, agents, employees, contractors,
suppliers, workers or invitees while within the Premises.

12. NONWAIVER.

No waiver of any provision of this Lease shall be implied by any failure of Landlord to
enforce any remedy on account of the violation of such provisions, even if such violation be
continued or repeated subsequently, and no express waiver shall affect any provision other than the
one specified in such waiver and that one only for the time and in the manner specifically stated.
No receipt of monies by Landlord from Tenant after the termination of this Lease shall in any way
alter the length of the Term or of Tenant’s right of possession hereunder or after the giving of
any notice shall reinstate, continue or extend the Term or affect any notice given Tenant prior to
the receipt of such monies, it being agreed that after the service of notice or the commencement of
a suit or after final judgment for possession of the Premises, Landlord may receive and collect any
Rent due, and the payment of said Rent shall not waive or affect said notice, suit or judgment.

13. CONDEMNATION.

A. In the event all or substantially all of the Building or the Premises is taken or condemned
by eminent domain or by any conveyance in lieu thereof (such taking, condemnation or conveyance in
lieu thereof being hereinafter referred to as “condemnation”), the Term shall cease and this Lease
shall terminate on the earlier of the date the condemning authority takes possession or the date
title vests in the condemning authority. In the event any portion of the Building shall be taken by
condemnation (whether or not such taking includes any portion of the Premises), which taking, in
Landlord’s judgment, is such that the Building cannot be restored in an economically feasible
manner for use substantially as originally designed, then Landlord shall have the right, at
Landlord’s option, to terminate this Lease, effective as of the date specified by Landlord in a
written notice of termination from Landlord to Tenant. In the event that a portion, but less than
substantially all, of the Premises shall be taken by condemnation, then this Lease shall be
terminated as of the date of such condemnation as to the portion of the Premises so taken, and,
unless Landlord exercises its option to terminate this Lease set forth in this Section, this Lease
shall remain in full force and effect as to the remainder of the Premises. In the event of
termination of this Lease pursuant to the provisions of this Section, the Rent shall be apportioned
as of such date of termination; provided, however, that those provisions of this Lease which are
designated to cover matters of termination and the period thereafter shall survive the termination
hereof.

B. All compensation awarded or paid upon a condemnation of any portion of the Building shall
belong to and be the property of Landlord without participation by Tenant. Nothing herein shall be
construed, however, to preclude Tenant from prosecuting any claim directly against the condemning
authority for loss of business, loss of good will, moving expenses, damage to, and cost of removal
of, trade fixtures, furniture and other personal property belonging to Tenant; provided, however,
that Tenant shall make no claim which shall diminish or adversely affect any award claimed or
received by Landlord.

C. If any portion of the Land other than the Building is taken by condemnation or if the
temporary use or occupancy of all or any part of the Premises shall be taken by condemnation during
the Term, this Lease shall be and remain unaffected by such condemnation, and Tenant shall continue
to pay in full the Rent payable hereunder. In the event of any such temporary taking for use or
occupancy of all or any part of the Premises, Tenant shall be entitled to appear, claim, prove and
receive the portion of the award that represents the cost of restoration of the Premises and the
use or occupancy of the Premises after the end of the Term hereof. In any event of any such
condemnation of any portion of the Land other than the Building, Landlord shall be entitled to
appear, claim, prove and receive all of the award.

14. ASSIGNMENT AND SUBLETTING.

A. Subject to any provisions of this Section to the contrary, Tenant shall not, without the
prior written consent of Landlord (not to be unreasonably withheld), (i) assign, convey or mortgage
this Lease or any interest hereunder; (ii) permit to occur or permit to exist any assignment of
this Lease, or any lien upon Tenant’s interest, voluntarily or by operation of law; (iii) sublet
the Premises or any part thereof; or (iv) permit the use of the Premises by any parties other than
Tenant and its employees. Any such action on the part of Tenant shall be void and of no effect.
There shall be no partial assignment of Tenant’s interest in this Lease. The term “sublease” and
all words derived therefrom, as used in this Section, shall include any subsequent sublease or
assignment of such sublease and any other interest arising under such sublease. Landlord’s consent
to any assignment, subletting or transfer or Landlord’s election to accept any assignee, subtenant
or transferee as the tenant hereunder and to collect rent from such assignee, subtenant or
transferee shall not release Tenant or any subsequent tenant from any covenant or obligation under
this Lease. Landlord’s consent to any assignment, subletting or transfer shall not constitute a
waiver of Landlord’s right to withhold its consent to any future assignment, subletting, or
transfer. Landlord may condition its consent upon execution by the subtenant or assignee of an
instrument confirming such restrictions on further subleasing or assignment and joining in the
waivers and indemnities made by Tenant hereunder.

B. If Tenant desires the consent of Landlord to an assignment or subletting, Tenant shall
submit to Landlord at least thirty (30) days prior to the proposed effective date of the assignment
or sublease a written notice which includes:

(1) all documentation then available related to the proposed sublease or assignment
(copies of final executed documentation to be supplied on or before the effective date); and

(2) sufficient information to permit Landlord to determine the identity and character
of the proposed subtenant or assignee and the financial condition of the proposed assignee.

C. If Landlord does not terminate this Lease, in whole or in part, it may, nevertheless
withhold its consent to such assignment or subletting if:

(1) in the reasonable judgment of Landlord the subtenant or assignee is of a character
or engaged in a business or attracts a volume, frequency or type of employee or visitor
which is not in keeping with the standards maintained by Landlord in the Building or that
will impose an excessive demand on or use of the facilities or services of the Building;

(2) in the reasonable judgment of Landlord the subtenant or assignee does not have a
financial condition comparable to other tenants in the Building;

(3) in the reasonable judgment of Landlord the purpose for which the subtenant or
assignee intends to use the subleased space is in violation of the terms of this Lease or
the lease of any other tenant in the Building which prohibits such use;

(4) the subtenant or assignee is a governmental authority or agency or an organization
or persons enjoying sovereign or diplomatic immunity; or

(5) such assignment or subletting would cause a default under another lease in the
Building or under any ground lease, deed of trust, mortgage, restrictive covenant, easement
or other encumbrance affecting the Land.

D. In addition to withholding its consent, Landlord shall have the right to terminate this
Lease as to that portion of the Premises which Tenant seeks to assign or sublet, whether by
requesting Landlord’s consent thereto or otherwise. Landlord may exercise such right to terminate
by giving written notice to Tenant at any time prior to Landlord’s written consent to such
assignment or sublease. In the event that Landlord exercises such right to terminate, Landlord
shall be entitled to recover possession of, and Tenant shall surrender such portion of, the
Premises on the later of (i) the proposed date for possession by such assignee or subtenant, or
(ii) ninety (90) days after the date of Landlord’s notice of termination to Tenant.

E. In the event that Landlord consents to any assignment or sublease of any portion of the
Premises, as a condition of Landlord’s consent, if Landlord so elects to consent, Tenant shall pay
to Landlord its reasonable attorneys’ fees and other reasonable costs and expenses incurred by
Landlord in connection with such assignment or sublease plus any profit derived by Tenant from such
assignment or sublease. Tenant shall furnish Landlord with a statement certified by an independent
certified public accountant, setting forth in detail the computation of profit (which computation
shall be based upon generally accepted accounting principles), and Landlord, or its
representatives, shall have access to the books, records and papers of Tenant in relation thereto,
and to make copies thereof. Any rent in excess of that paid by Tenant hereunder for the Premises
so assigned or sublet realized by reason of such assignment or sublease shall be deemed an item of
such profit payable to Landlord. If a part of the consideration for such assignment or sublease
shall be payable other than in cash, the payment to Landlord shall shall be payable in accordance
with the foregoing percentage of the cash and other non cash considerations in such form as is
satisfactory to Landlord. Such profits shall be paid to Landlord promptly by Tenant upon Tenant’s
receipt of such excess rent from such assignee or subtenant or at such other time as Tenant shall
realize its profits from such assignment or sublease. If such sublease or assignment is part of a
larger transaction in which other assets of Tenant are being transferred, the consideration for the
assignment or sublease shall be the fair market value of such assignment or the fair market rental
for such sublease, as reasonably determined by Landlord.

F. Tenant acknowledges that this Lease is a lease of nonresidential real property and,
therefore agrees that Tenant, as the debtor in possession, or the trustee for Tenant (collectively
“the Trustee”) in any proceeding under Title 11 of the United States Bankruptcy Code relating to
bankruptcy, as amended, or under any similar federal or state statute (collectively, the
“Bankruptcy Code”), shall not seek or request any extension of time to assume or reject this Lease
or to perform any obligations of this Lease which arise from or after the order of relief.

If the Trustee proposes to assume or to assign this Lease or sublet the Premises (or any
portion thereof) to any person who shall have made a bona fide offer to accept an assignment of
this Lease or a subletting on terms acceptable to the Trustee, the Trustee shall give Landlord, and
lessors and mortgagees of Landlord of which Tenant has notice, written notice setting forth the
name and address of such person and the terms and conditions of such offer, no later than twenty
(20) days after receipt of such offer, but in any event no later than ten (10) days prior to the
date on which the Trustee makes application to the bankruptcy court for authority and approval to
enter into such assumption and assignment or subletting. Landlord shall have the prior right and
option, to be exercised by written notice to the Trustee given at any time prior to the effective
date of such proposed assignment or subletting, to accept an assignment of this Lease or subletting
of the Premises upon the same terms and conditions and for the same consideration, if any, as the
bona fide offer made by such person, less any brokerage commissions which may be payable out of the
consideration to be paid by such person for the assignment or subletting of this Lease.

The Trustee shall have the right to assume Tenant’s rights and obligations under this Lease
only if the Trustee: (i) promptly cures, or provides adequate assurance that the Trustee will
promptly cure, any default under this Lease; (ii) compensates, or provides adequate assurance that
the Trustee will promptly compensate, Landlord for any actual pecuniary loss incurred by Landlord
as a result of Tenant’s default under this Lease; and (iii) provides adequate assurance of future
performance under this Lease. Adequate assurance of future performance by the proposed assignee
shall include, as a minimum, that (a) the Trustee or any proposed assignee of this Lease shall
deliver to Landlord a security deposit in an amount equal to at lease three (3) months’ Rent
accruing under this Lease and (b) any proposed assignee of this Lease shall provide to Landlord an
audited financial statement, dated no later than six (6) months prior to the effective date of such
proposed assignment or sublease with no material change therein as to the effective date, which
financial statement shall show the proposed assignee to have a net worth equal to at least twelve
(12) months’ Rent accruing under this Lease, or in the alternative, the proposed assignee shall
provide a guarantor of such proposed assignee’s obligations under this Lease, which guarantor shall
provide an audited financial statement meeting the above requirements of this clause (b) and
execute and deliver to Landlord a guaranty agreement in form and substance acceptable to Landlord.
All payments of Rent required of Tenant under this Lease, whether or not expressly denominated as
such in this Lease, shall constitute rent for the purposes of Title 11 of the Bankruptcy Code.

The parties agree that for the purposes of the Bankruptcy Code relating to (i) the obligation
of the Trustee to provide adequate assurance that the Trustee will “promptly” cure defaults and
compensate Landlord for actual pecuniary loss, the word “promptly” shall mean that cure of defaults
and compensation will occur no later than sixty (60) days following the filing of any motion or
application to assume this Lease; and (ii) the obligation of the Trustee to compensate or to
provide adequate assurance that the Trustee will promptly compensate Landlord for “actual pecuniary
loss,” the term “actual pecuniary loss” means, in addition to any other provisions contained herein
relating to Landlord’s damages upon default, payments of Rent, including interest at the interest
rate on all unpaid Rent, all attorneys’ fees and related costs of Landlord incurred in connection
with any default of Tenant and in connection with Tenant’s bankruptcy proceedings.

Any person or entity to which this Lease is assigned pursuant to the provisions of the
Bankruptcy Code shall be deemed, without further act or deed, to have assumed all of the
obligations arising under this Lease and each of the conditions and provisions hereof on and after
the date of such assignment. Any such assignee shall, upon the request of Landlord, forthwith
execute and deliver to Landlord an instrument, in form and substance acceptable to Landlord,
confirming such assumption.

G. Tenant shall pay to Landlord its reasonable attorney’s fees and other reasonable costs and
expenses incurred by Landlord in reviewing the documentation and determining whether to consent to
any proposed sublease or assignment, regardless of whether Landlord consents or does not consent.

H. Notwithstanding anything in this Section to the contrary, Tenant shall have the right, upon
ten (10) days’ prior written notice to Landlord, (a) to sublet all or part of the Premises to any
related corporation or other entity which controls Tenant, is controlled by Tenant or is under
common control with Tenant with Tenant; or (b) to assign this Lease to a successor corporation or
other entity into which or with which Tenant is merged or consolidated or which acquired
substantially all of Tenant’s assets and property; provided that (i) such successor corporation or
entity assumes all of the obligations and liabilities of Tenant and shall have net worth at least
equal to the net worth of Tenant as of the date of this Lease, as determined by generally accepted
accounting principles, and (ii) Tenant provides in its notice to Landlord the information required
in this Section. For the purpose hereof “control” shall mean ownership of not less than 50% of all
the voting stock or legal and equitable interest in such corporation or entity.

15. SURRENDER OF POSSESSION.

All alterations, improvements and additions to the Premises, whether temporary or permanent in
character, made or paid for by Landlord or Tenant (excluding Tenant’s trade fixtures, equipment and
other personal property of Tenant), shall without compensation to Tenant become Landlord’s property
at the termination of this Lease by lapse of time or otherwise and shall be relinquished to
Landlord in good condition, ordinary wear and tear excepted. Upon the expiration of the Term or
upon the termination of Tenant’s right of possession, whether by lapse of time or at the option of
Landlord as herein provided, Tenant shall forthwith surrender the Premises to Landlord in good
order, repair and condition, ordinary wear and tear excepted. Tenant shall not be required to
remove any alterations, improvements or additions to the Premises unless, as a condition of
obtaining Landlord’s consent to the making of such alterations, improvements or additions, Landlord
notified Tenant in writing that the same must be removed at the end of the Lease Term. Prior to
the termination of the Term or of Tenant’s right of possession Tenant shall remove its office
furniture, trade fixtures, office equipment and all other items of Tenant’s movable property on the
Premises. Tenant shall pay to Landlord upon demand the cost of repairing any damage to the Premises
and to the Building caused by any removal. If Tenant shall fail or refuse to remove any property
which it is required to remove from the Premises, Tenant shall be conclusively presumed to have
abandoned the same, and title thereto shall thereupon pass to Landlord without any cost either by
set-off, credit, allowance or otherwise, and Landlord may at its option accept the title to such
property or at Tenant’s expense may (i) remove the same or any part in any manner that Landlord
shall choose, repairing any damage to the Premises caused by such removal, and (ii) store, destroy
or otherwise dispose of the same without incurring liability to Tenant or any other person.

16. HOLDING OVER.

Tenant shall pay to Landlord an amount as Rent equal One Hundred Fifty Percent (150%) of
one-twelfth of the Full Service Rent, plus one-twelfth of the Additional Rent payable by Tenant
during the previous Calendar Year herein provided, during each month or portion thereof for which
Tenant shall retain possession of the Premises or any part thereof after the expiration or
termination of the Term or of Tenant’s right of possession, whether by lapse of time or otherwise,
and also shall pay all direct damages sustained by Landlord on account thereof. At the option of
Landlord, expressed in a written notice to Tenant and not otherwise, any such holding over for a
period of more than sixty (60) days shall constitute a renewal of this Lease for a period of one
(1) year at the greater of the fair market rental for the Premises, as reasonably determined by
Landlord, or the Full Service Rent during the preceding year and the Additional Rent that would be
applicable for such year if the Term were one year longer. Under no circumstances will holdover be
considered a renewal unless Landlord exercised above option.

17. ESTOPPEL CERTIFICATE.

Tenant agrees that, from time to time upon not less than ten (10) business days’ prior request
by Landlord, Tenant, or Tenant’s duly authorized representative having knowledge of the following
facts, will deliver to Landlord a statement in writing certifying to the best of such person’s
knowledge (i) that this Lease is unmodified and in full force and effect (or if there have been
modifications, a description of such modifications and that the Lease as modified is in full force
and effect); (ii) the dates to which Rent and other charges have been paid; (iii) that the Landlord
is not in default under any provision of this Lease, or, if in default, the nature thereof in
detail; and (iv) such further matters as are set forth on the form of estoppel certificate attached
hereto as Exhibit [E] and made a part hereof, or as may be requested by Landlord, it being intended
that any such statement may be relied upon by any prospective assignee of any tenant of the
Building, any mortgagees or prospective mortgagees thereof, or any prospective assignee of any
mortgagee thereof, or any prospective and/or subsequent purchaser or transferee of all or a part of
Landlord’s interest in the Land and/or Building. Tenant shall execute and deliver whatever
instruments may be required for such purposes, and in the event Tenant fails so to do within ten
(10) business days after demand in writing, Tenant shall be considered in default under this Lease.

18. OBLIGATIONS TO MORTGAGEES.

A. Subordination. This Lease is subject and subordinate to all present and future
ground or underlying leases of the Land and to the lien of any mortgages or trust deeds now and
hereafter in force against the Land or Building and to all renewals, extensions, modifications,
consolidation and replacements thereof, and to all advances made or hereafter to be made upon the
security thereof; provided however that the subordination of this Lease to future ground leases or
mortgages shall be conditioned upon Tenant’s receipt of a commercially reasonable subordination,
non-disturbance and attornment agreement from the holder of such ground lease or mortgage. Tenant
shall at Landlord’s request execute such further instruments or assurances as Landlord may deem
necessary to evidence, confirm or effectuate such subordination of this Lease thereto or, if
requested, to make Tenant’s interest in this Lease superior thereto. If any mortgage shall be
foreclosed or property encumbered thereby is transferred in lieu of foreclosure, or if any ground
or underlying lease be terminated, (i) the liability of the mortgagee or trustee hereunder or
purchaser at such foreclosure sale or the liability of a subsequent owner designated as Landlord
under this Lease shall exist only so long as such trustee, mortgagee, purchaser or owner is the
owner of the Land or Building and such liability shall not continue or survive after further
transfer of ownership; and (ii) upon the request of the mortgagee, trustee or ground lessor, Tenant
will attorn, as Tenant under this Lease, to the purchaser at any foreclosure sale under any
mortgage or the ground lessor, by executing such instruments as may be required by the mortgagee,
trustee or ground lessor.

B. Notice to Landlord and Mortgagee. In the event of any act or omission by Landlord
which would give Tenant the right to damages from Landlord or the right to terminate this Lease,
Tenant will not sue for such damages or exercise any such right to terminate until (i) it shall
have given written notice of the act or omission to Landlord and to the holder(s) of the
indebtedness or other obligations secured by any mortgage or deed of trust affecting the Premises
or of any ground or underlying lease, if the name and address of such holder(s) have been furnished
to Tenant, and (ii) a reasonable period of time, in light of the time required to effect a remedy
and of the impact of the act or omission on Tenant’s business operations on the Premises, for
remedying the act or omission has elapsed following the giving of the notice, during which time
Landlord and such holder(s), or either of them, their agents or employees, will be entitled to
enter upon the Premises and do therein whatever may be necessary to remedy the act or omission.

19. CERTAIN RIGHTS RESERVED BY LANDLORD.

Landlord shall have the following rights, each of which Landlord may exercise without notice
to Tenant and without liability to Tenant for damage or injury to property, person or business on
account of the exercise thereof, and the exercise of any such rights shall not be deemed to
constitute an eviction or disturbance of Tenant’s use or possession of the Premises and shall not
give rise to any claim for set-off or abatement of rent or any other claim:

A. To change the name or street address of the Building.

B. To install, affix and maintain any and all signs on the exterior or interior of the
Building.

C. To decorate or to make repairs, alterations, additions, or improvements, whether structural
or otherwise, in and about the Building, or any part thereof, and for such purposes to enter upon
the Premises, and during the continuance of any of said work, to temporarily close doors,
entryways, public space and corridors in the Building and to interrupt or temporarily suspend
services or use of facilities, all without affecting any of Tenant’s obligations hereunder, so long
as the Premises are reasonably accessible and usable for the conduct of Tenant’s normal business.
Except in case of emergency repairs, Landlord will give Tenant reasonable advance notice of any
contemplated stoppage or entry upon the Premises and will use reasonable efforts to avoid
unnecessary inconvenience to Tenant by reason thereof.

D. To furnish door keys or magnetic cards for the entry door(s) in the Premises at the
commencement of the Lease and to retain at all times, and to use in appropriate instances, keys to
all doors within and into the Premises. Tenant agrees to purchase only from Landlord additional
duplicate keys as required, to change no locks, and not to affix locks on doors without the prior
written consent of the Landlord. Notwithstanding the provisions for Landlord’s access to the
Premises, Tenant relieves and releases the Landlord of all responsibility arising out of theft,
robbery, pilferage and personal assault. Upon the expiration of the Term or Tenant’s right to
possession, Tenant shall return all keys to Landlord and shall disclose to Landlord the combination
of any safes, cabinets or vaults left in the Premises.

E. To designate and approve all window coverings used in the Building.

F. To approve the weight, size and location of safes, vaults, vertical files and other heavy
equipment and articles in and about the Premises and the Building so as not to exceed the legal
live load per square foot designated by the structural engineers for the Building, and to require
all such items and furniture and similar items to be moved into or out of the Building and Premises
only at such times and in such manner as Landlord shall direct in writing. Tenant shall not install
or operate, machinery or any mechanical devices of a nature not directly related to Tenant’s
ordinary use of the Premises without the prior written consent of Landlord. Movements of Tenant’s
property into or out of the Building or Premises and within the Building are entirely at the risk
and responsibility of Tenant and Landlord reserves the right to require permits before allowing any
property to be moved into or out of the Building or Premises.

G. To establish controls for the purpose of regulating all property and packages, both
personal and otherwise, to be moved into or out of the Building and Premises and all persons using
the Building after normal office hours.

H. To regulate delivery and service of supplies and the usage of the loading docks, receiving
areas and freight elevators.

I. To show the Premises to prospective tenants at reasonable times and, if vacated or
abandoned, to show the Premises at any time and to prepare the Premises for re-occupancy.

J. To enter the Premises at any reasonable time and upon reasonable prior notice to Tenant to
inspect the Premises (except that prior notice shall not be required in an emergency).

K. To grant to any person or to reserve unto itself the exclusive right to conduct any
business or render any service in the Building. If Landlord elects to make available to tenants in
the Building any services or supplies, or arranges a master contract therefore, Tenant agrees to
obtain its requirements, if any, therefore from Landlord or under any such contract, provided that
the services and charges therefor are reasonable.

L. To close the Building after regular working hours and on Saturdays, Sundays and legal
holidays subject, however, to Tenant’s right to admittance to the Premises under such regulations
as Landlord may prescribe from time to time, which may include, but shall not be limited to, a
requirement that persons entering or leaving the Building identify themselves to a watchman by
registration or otherwise and establish their right to enter or leave the Building. Such
regulations may include, but shall not be limited to, the requiring of identification from Tenant’s
employees, agents, clients, customers, invitees, visitors and guests.

M. To close the Building in the event of a public emergency or upon the order of a public
authority with competent jurisdiction to do so.

20. RULES AND REGULATIONS.

Tenant agrees to observe the rules and regulations for the Building attached hereto as Exhibit
[D] and made a part hereof. Landlord shall have the right from time to time to prescribe additional
reasonable rules and regulations which, in its judgment, may be desirable for the use, entry,
operation and management of the Premises and Building, each of which rules and regulations and any
amendments thereto shall become a part of this Lease upon delivery thereof to Tenant. Tenant shall
comply with all such rules and regulations; provided, however, that such rules and regulations
shall not contradict or abrogate any right or privilege herein expressly granted to Tenant.
Landlord shall enforce the rules and regulations uniformly against all occupants of the Building.

21. LANDLORD’S REMEDIES.

If default shall be made in the payment of the Rent or any installment thereof or in the
payment of any other sum required to be paid by Tenant under this Lease or under the terms of any
other agreement between Landlord and Tenant, or if default shall be made in the observance or
performance of any of the other covenants or conditions in this Lease which Tenant is required to
observe and perform, and such default shall continue for thirty (30) days after written notice to
Tenant, or if a default involves a hazardous condition and is not cured by Tenant immediately upon
written notice to Tenant, or if the interest of Tenant in this Lease shall be levied on under
execution or other legal process, or if any voluntary petition in bankruptcy or for corporate
reorganization or any similar relief shall be filed by Tenant, or if any involuntary petition in
bankruptcy shall be filed against Tenant under any federal or state bankruptcy or insolvency act
and shall not have been dismissed within sixty (60) days from the filing thereof, or if a receiver
shall be appointed for Tenant or any of the property of Tenant by any court and such receiver shall
not have been dismissed within sixty (60) days from the date of its appointment, or if Tenant shall
make an assignment for the benefit of creditors, or if Tenant shall admit in writing Tenant’s
inability to meet Tenant’s debts as they mature, or if Tenant shall abandon or vacate the Premises
during the Term (herein, a “default”) then Landlord may treat the occurrence of any one or more of
the foregoing events as a breach of this Lease, and thereupon at its option may, with or without
notice or demand of any kind to Tenant or any other person, have any one or more of the following
described remedies in addition to all other rights and remedies provided at law or in equity or
elsewhere herein:

A. Landlord may terminate this Lease and the Term created hereby, in which event Landlord may
forthwith repossess the Premises and be entitled to recover forthwith, in addition to any other
sums or damages, for which Tenant may be liable to Landlord, as damages a sum of money equal to the
excess of the present value of the Rent provided to be paid by Tenant for the balance of the Term
over the present value of the fair market rent for the Premises, after deduction of all anticipated
expenses of reletting, for said period. For the purpose of determining present value, Landlord and
Tenant agree that the interest rate shall be the rate applicable to the then-current yield on
obligations of the U.S. Treasury having a maturity date on or about the Termination Date. Should
the present value of the fair market rent for the Premises, after deduction of all anticipated
expenses of reletting, for the balance of the Term exceed the present value of the Rent provided to
be paid by Tenant for the balance of the Term, Landlord shall have no obligation to pay to Tenant
the excess or any part thereof or to credit such excess or any part thereof against any other sums
or damages for which Tenant may be liable to Landlord.

B. Landlord may terminate Tenant’s right of possession and may repossess the Premises by
forcible entry and detainer suit, by taking peaceful possession or otherwise, without terminating
this Lease, in which event Landlord may, but shall be under no obligation to, relet the same
(except to the extent required by applicable law) for the account of Tenant, for such rent and upon
such terms as shall be satisfactory to Landlord. For the purpose of such reletting, Landlord is
authorized to decorate, repair, remodel or alter the Premises. If Landlord shall fail to relet the
Premises, Tenant shall pay to Landlord as damages a sum equal to the amount of the Rent reserved in
this Lease for the balance of the Term as such Rent shall become due and payable hereunder from
time to time during the Term. If the Premises are relet and a sufficient sum shall not be realized
from such reletting after paying all of the costs and expenses of all decoration, repairs,
remodeling, alterations area additions and the expenses of such reletting and of the collection of
the rent accruing therefrom to satisfy the Rent provided for in this Lease, Tenant shall satisfy
and pay the same upon demand therefore from time to time. Tenant shall not be entitled to any rents
received by Landlord in excess of the Rent provided for in this Lease. Tenant agrees that Landlord
may file suit to recover any sums falling due under the terms of this Section from time to time and
that no suit or recovery of any portion due Landlord hereunder shall be any defense to any
subsequent action brought for any amount not theretofore reduced to judgment in favor of Landlord.

In addition to all other damages, in either case (i) or (ii) above, Tenant hereby acknowledges
that any abatement of Full Service Rent at the beginning of the Term, any allowance provided by
Landlord to or for the benefit of Tenant and all commissions paid by Landlord in connection with
this Lease (collectively, the “Incentives”), have been provided by Landlord upon the express
condition that Tenant shall not default in the payment of Rent during the Term. If Tenant does
default in the payment of Rent hereunder, then Landlord shall be entitled to recover as damages, an
amount equal to the unamortized portion of the Incentives. The Incentives will be amortized evenly
over the Term, with interest at l2%, as if the sum of the Incentives were the principal balance of
a mortgage loan for such period at such interest rate being repaid in equal monthly installments of
principal and interest.

22. EXPENSES OF ENFORCEMENT.

Either party hereto shall pay to the other (the “Prevailing Party”), upon demand, all costs,
charges and expenses, including the fees and out-of-pocket expenses of counsel, agents and others
retained by the Prevailing Party, incurred in successfully enforcing the other party’s obligations
hereunder. Tenant shall pay upon demand all Landlord’s costs, charges and expenses, including the
fees and out-of-pocket expenses of counsel, agents and others retained by Landlord, incurred by
Landlord in any litigation, negotiation or transaction in which Tenant causes Landlord without
Landlord’s fault to become involved or concerned.

23. COVENANT OF QUIET ENJOYMENT.

Landlord covenants that Tenant, on paying the Rent, charges for services and other payments
herein reserved and on keeping, observing and performing all the other terms, covenants,
conditions, provisions and agreements herein contained on the part of Tenant to be kept, observed
and performed, shall, during the Term, peaceably and quietly have, hold and enjoy the Premises
subject to the terms, covenants, conditions, provisions and agreements hereof.

24. SECURITY DEPOSIT.

Tenant hereby deposits with Landlord the sum of Fifteen Thousand six hundred Dollars
($15,600.00) (hereinafter referred to as “Collateral”), as security for the prompt, full and
faithful performance by Tenant of each and every provision of this Lease and of all obligations of
Tenant hereunder.

A. If Tenant fails to perform any of its obligations hereunder, Landlord may use, apply or
retain the whole or any part of the Collateral for the payment of (i) any Rent or other sums of
money which Tenant may not have paid when due, (ii) any sum expended by Landlord on Tenant’s behalf
in accordance with the provisions of this Lease, and/or (iii) any sum which Landlord may expend or
be required to expend by reason of Tenant’s default, including, without limitation, any damage or
deficiency in or from the reletting of the Premises as provided in Section 21. The use, application
or retention of the Collateral, or any portion thereof, by Landlord shall not prevent Landlord from
exercising any other right or remedy provided by this Lease or by law (it being intended that
Landlord shall not first be required to proceed against the Collateral) and shall not operate as a
limitation on any recovery to which Landlord may otherwise be entitled. If any portion of the
Collateral is used, applied or retained by Landlord for the purposes set forth above, Tenant
agrees, within thirty (30) days after the written demand therefore is made by Landlord, to deposit
cash with the Landlord in an amount sufficient to restore the Collateral to its original amount.

B. If Tenant shall fully and faithfully comply with all of the provisions of this Lease, the
Collateral, or any balance thereof, shall be returned to Tenant without interest within ten days
after the expiration of the Term or upon any later date after which Tenant has vacated the
Premises. In the absence of evidence satisfactory to Landlord of any permitted assignment of the
right to receive the Collateral, or of the remaining balance thereof, Landlord may return the same
to the original Tenant, regardless of one or more assignments of Tenant’s interest in this Lease or
the Collateral. In such event, upon the return of the Collateral, or the remaining balance thereof
to the original Tenant, Landlord shall be completely relieved of liability under this Section or
otherwise with respect to the Collateral.

C. Tenant acknowledges that Landlord has the right to transfer or mortgage its interest in the
Land and the Building and in this Lease and Tenant agrees that in the event of any such transfer or
mortgage, Landlord shall have the right to transfer or assign the Collateral to the transferee or
mortgagee. Upon such transfer or assignment and the transferee’s assumption of Landlord’s
obligations hereunder with respect to the Collateral, Landlord shall thereby be released by Tenant
from all liability or obligation for the return of such Collateral and Tenant shall look solely to
such transferee or mortgagee for the return of the Collateral.

25. REAL ESTATE BROKER.

Tenant represents that Tenant has dealt with (and only with) CB Richard Ellis, Inc. as brokers
in connection with this Lease, and that insofar as Tenant knows, no other broker negotiated this
Lease or is entitled to any commission in connection therewith. Tenant agrees to indemnify, defend
and hold Landlord, its beneficiaries or its partners, and any of its or their employees, agents,
legal representatives, officers, partners, successors or assigns harmless from and against any
claims made by any broker or finder other than the brokers named above for a commission or fee in
connection with this Lease, provided that Landlord has not in fact retained such broker or finder.

26. MISCELLANEOUS.

A. Rights Cumulative. All rights and remedies of Landlord under this Lease shall be
cumulative and none shall exclude any other rights and remedies allowed by law.

B. Interest. All payments becoming due under this Lease and remaining unpaid when due
shall bear interest until paid at the Applicable Rate.

C. Terms. The necessary grammatical changes required to make the provisions hereof
apply either to corporations, partnerships or other entities or individuals, men or women, as the
case may require, shall in all cases be assumed as though in each case fully expressed.

D. Binding Effect. Each of the provisions of this Lease shall extend to and shall, as
the case may require, bind or inure to the benefit not only of Landlord and of Tenant, but also of
their respective successors or assigns, provided this clause shall not permit any assignment by
Tenant contrary to the provisions of Section 14 hereof.

E. Lease Contains All Terms. All of the representations and obligations of Landlord
and Tenant are contained herein and in all Exhibits attached hereto, and no modification, waiver or
amendment of this Lease or of any of its conditions or provisions shall be binding upon the
Landlord or Tenant unless in writing signed by Landlord and Tenant or by their duly authorized
agents empowered by a written authority signed by Landlord or Tenant, as the case may be.

F. Delivery for Examination. Submission of the Lease for examination shall not bind
Landlord or Tenant in any manner, and no Lease or obligations of the Landlord or Tenant shall arise
until this instrument is signed by both Landlord and Tenant and delivery is made to each.

G. No Air Rights. No rights to any view or to light or air over any property, whether
belonging to Landlord or any other person, are granted to Tenant by this Lease.

H. Modification of Lease. If any lender requires, as a condition to its lending funds
the repayment of which is to be secured by a mortgage or trust deed on the Land and Building or
either, that certain modifications be made to this Lease, which modifications will not require
Tenant to pay any additional amounts or otherwise change materially the rights or obligations of
Landlord or Tenant hereunder, Tenant shall, upon Landlord’s request, execute appropriate
instruments effecting such modifications. Landlord shall pay to Tenant its reasonable attorney’s
fees and other reasonable costs and expenses incurred by Tenant in connection therewith.

I. Substitution of Other Premises. At any time hereafter, but no more than once
during the Term, Landlord may (upon thirty (30) days prior written notice) substitute for the
entire Premises other premises in the Building (herein referred to as the “New Premises”) provided
that the New Premises shall be usable for Tenant’s purpose and provided that Tenant’s existing
telephone numbers are preserved; and if Tenant is already in occupancy of the Premises, then in
addition Landlord shall pay the reasonable out of pocket expenses of Tenant’s moving from the
Premises to the New Premises and for improving the New Premises to that they are substantially
similar to the Premises. The leasehold improvements to be constructed by Landlord in the New
Premises shall be comparable in quality to the leasehold improvements in the Premises. Landlord
shall pay all installation costs for Tenant’s computer cabling and phone lines. The usable area of
the New Premises shall not be any smaller than the usable area of the Premises. If the New Premises
are larger, rent payable hereunder shall remain the same as if such relocation had not occurred.
The New Premises shall be functionally equivalent to the Premises in terms of layout and the number
of work areas and offices and shall have no less than the number of offices with windows as the
Premises. Landlord shall pay for new suite signage to replace Tenant’s then existing signage and
for the cost of printing a reasonable supply of stationary bearing Tenant’s new suite number.

J. Transfer of Landlord’s Interest. Tenant acknowledges that Landlord has the right
to transfer its interest in the Land and Building and in this Lease, and Tenant agrees that in the
event of any such transfer, Landlord shall automatically be released from all liability under this
Lease arising after the date of such transfer and Tenant agrees to look solely to such transferee
for the performance of Landlord’s obligations hereunder arising after the date of such transfer.
Tenant further acknowledges that Landlord may assign its interest in this Lease to a mortgage
lender as additional security and agrees that such an assignment shall not release Landlord from
its obligations hereunder and that Tenant shall continue to look to Landlord for the performance of
its obligations hereunder.

K. Landlord’s Title. Landlord’s title is and always shall be paramount to the title
of Tenant. Nothing herein contained shall empower Tenant to commit or engage in any act which can,
shall or may encumber the title of Landlord.

L. Prohibition Against Recording. Neither this Lease, nor any memorandum, affidavit
or other writing with respect thereto, shall be recorded by Tenant or by anyone acting through,
under or on behalf of Tenant, and the recording thereof in violation of this provision shall make
this Lease null and void at Landlord’s election.

M. Captions. The captions of Sections and subsections are for convenience only and
shall not be deemed to limit, construe, affect or alter the meaning of such sections or
subsections.

N. Covenants and Conditions. All of the covenants of Tenant hereunder shall be deemed
and construed to be “conditions,” if Landlord so elects, as well as “covenants” as though the words
specifically expressing or importing covenants and conditions were used in each separate instance.

O. Only Landlord/Tenant Relationship. Nothing contained in this Lease shall be deemed
or construed by the parties hereto or by any third party to create the relationship of principal
and agent partnership, joint venturer or any association between Landlord and Tenant, it being
expressly understood and agreed that neither the method of computation of Rent nor any act of the
parties hereto shall be deemed to create any relationship between Landlord and Tenant other than
the relationship of landlord and tenant.

P. Application of Payments. Landlord shall have the right to apply payments received
from Tenant pursuant to this Lease (regardless of Tenant’s designation of such payments) to satisfy
any obligations of Tenant hereunder, in such order and amounts, as Landlord in its sole discretion,
may elect.

Q. Definition of Landlord and Tenant. All indemnities, covenants and agreements of
Landlord and Tenant contained herein which inure to the benefit of Landlord and Tenant,
respectively, shall be construed to also inure to the benefit of Landlord and Tenant and their
respective successors and assigns.

R. Time of Essence. Time is of the essence of this Lease and each of its provisions.

S. Time for Performance. Whenever under the terms of this Lease the time for
performance falls on a Saturday, Sunday or legal holiday universally recognized in the City of
Columbus, such time for performance shall be on the next day that is not a Saturday, Sunday or
legal holiday.

T. Governing Law. Interpretation of this Lease shall be governed by the laws of the
State of Ohio.

U. Partial Invalidity. If any term, provision or condition contained in this Lease
shall, to any extent, be invalid or unenforceable, the remainder of this Lease (or the application
of such term, provision or condition to persons or circumstances other than those in respect to
which it is invalid or unenforceable) shall not be affected thereby, and each and every other term,
provision and condition of this Lease shall be valid and enforceable to the fullest extent possible
permitted by law.

27. NOTICES.

All notices to be given under this Lease shall be in writing and (i) delivered personally
(effective the day delivered), (ii) deposited in the United States mail, certified or registered
mail with return receipt requested, postage prepaid (effective upon the earlier of actual receipt
or three (3) business days after the date upon which such notice is deposited in the United States
mail) or (iii) sent by reputable overnight courier (effective the business day following delivery
to such courier), addressed as follows:

A. If to Landlord:

250 East Broad Street Properties, LLC

250 East Broad Street, Suite 1250

Columbus, Ohio 43215

Attention: Ken Romes

or to such other person or such other address designated by notice sent by Landlord to Tenant.

B. If to Tenant:

Ohio Indemnity Company

250 E. Broad Street, Suite 700

Columbus, Ohio 43215

Attention: President

or to such other person or such other address as is designated by Tenant in a notice to Landlord.

28. LIMITATION ON LANDLORD’S LIABILITY.

It is expressly understood and agreed by Tenant that none of Landlord’s covenants,
undertakings or agreements are made or intended as personal covenants, undertakings or agreements
by Landlord, its beneficiaries or its partners, and any liability for damage or breach or
nonperformance by Landlord shall be collectible only out of Landlord’s interest in the Building and
no personal liability is assumed by, nor at any time may be asserted against, Landlord, its
beneficiaries or its partners or any of its or their officers, agents, employees, legal
representatives, successors or assigns, all such liability, if any, being expressly waived and
released by Tenant.

	 	 	 
	LANDLORD:

	 	

	250 East Broad Street Properties, LLC

	By:

	 	/s/ Dirk M. Cantrell
	
 
	 	 
	Name:

	 	Dirk M. Cantrell Secretary/Treasurer
	TENANT:

	 	

	Ohio Indemnity Company

	 

	An Ohio corporation

	 	

	By:

	 	/s/ John S. Sokol
	
 
	 	 
	Name:

	 	John S. Sokol
	
 
	 	 
	Its:

	 	President
	
 
	 	 

STATE OF OHIO,

COUNTY OF FRANKLIN, SS:

The foregoing instrument was acknowledged before me this 14th day of August, 2008 by Dirk M.
Cantrell, Secretary/Treasurer of 250 East Broad Street Properties, LLC, on behalf of the limited
partnership.

/s/ Keith R. Kotowicz

Notary Public

STATE OF OHIO,

COUNTY OF      Franklin     , SS:

The foregoing instrument was acknowledged before me this 11th day of August, 2008 by
     John S. Sokol     , the      President     of Ohio
Indemnity Company, an Ohio corporation, on behalf of the corporation.

/s/ Tina Hawley

Notary Public

3

EXHIBIT A

FLOOR PLAN OF PREMISES

4

EXHIBIT [B]

WORKLETTER

TENANT CONSTRUCTION AGREEMENT

THE MIDLAND BUILDING

COLUMBUS, OHIO

This is the Tenant Construction Agreement referred to in the foregoing Lease (the “Lease”)
wherein Ohio Indemnity Company (“Tenant”) has agreed to lease certain space from 250 East Broad
Street Properties, LLC (“Landlord”) at The Midland Building, Columbus, Ohio. All capitalized terms
used herein shall have the respective meanings assigned to them in the Lease or in this Agreement.

Landlord and Tenant agree as follows:

1. Landlord’s Work. Landlord, at Landlord’s sole cost and expense, will turnkey the
improvements per the attached floorplan dated August 4, 2008 and per the Final Plans and
Specifications (as defined below) (herein, “Landlord’s Work.”). Landlord’s Work shall include
without limitation (i) the demolition of the existing improvements in the Premises; however,
Landlord may retain any doors, partitions, ceiling systems and other salvageable materials and/or
elements which could be incorporated into the Plans (as hereinafter defined), and (ii) leveling the
floor of the Premises to acceptable tolerances. All standard ceiling and above work will be
responsibility of Landlord. Any additional items requested by Tenant in writing that are not
included in the Final Plans and Specifications will be at Tenant’s cost, provided that Landlord
shall not install any such additional items until Tenant has approved of such costs in writing.
Landlord shall complete Landlord’s Work in a good and workmanlike manner.

2. Plans. Tenant agrees to cause its interior space planner (the “Interior Space
Planner”) to deliver to Landlord on or before August 11, 2008, singleline space plans for the
Premises (“Preliminary Space Plans”).

Promptly after Landlord has approved the Preliminary Space Plans, Tenant shall work with
Landlord’s designated architect in preparing architectural construction drawings (including (1)
furniture plans showing details of space occupancy, (2) sprinkler locations, (3) reflected ceiling
plans, (4) partition and door location plans, (5) electrical and telephone plans noting any special
requirements, (6) fire safety systems, (7) detail plans and (8) finish plans and schedules) with
the goal of providing such architectural construction drawings and specifications to Landlord on
or before September 8, 2008.

All plans shall be subject to Landlord’s approval (not to be unreasonably withheld), and if
Landlord does not approve the same, Landlord shall advise Tenant generally of the changes required
in such plans, drawings and specifications so that they will meet Landlord’s approval. Tenant shall
cause the Interior Space Planner to deliver to Landlord revised architectural drawings and
specifications noting the changes.

The final plans and specifications, as approved by Landlord and Tenant, are sometimes referred
to herein as the “Final Plans and Specifications”. Tenant represents to Landlord that Tenant has
reviewed its needs with the Interior Space Planner and that Tenant has assured itself that the
Plans can be delivered as hereinabove required. Tenant agrees to cooperate with the Interior Space
Planner and to furnish to the Interior Space Planner all information requested by the Interior
Space Planner as promptly as possible and in any event in sufficient time to cause the Plans to be
prepared and delivered timely. Landlord shall bear the expense of all construction drawings and
plans prepared by Landlord’s architect.

Tenant’s obligation to pay Rent under the Lease shall not commence until Landlord shall have
substantially completed Landlord’s Work, provided, however, that the payment of Rent shall not be
affected or deferred on account of any delay in substantially completing said work which results
from:

(a) Tenant’s failure to comply with the time periods for submissions, reviews and
approvals stated in paragraph 2 hereof; or

(b) The performance of any work by Tenant or any person, firm, or corporation employed
by Tenant; or

(c) Tenant’s request for changes in the Final Plans and Specifications (notwithstanding
Landlord’s approval of such changes) after issuance for bidding or construction; or

(d) Any default by Tenant or its agents in Tenant’s obligations under this Agreement.

3. Access by Tenant Prior to Completion of Landlord’s Work. Landlord will permit
Tenant and Tenant’s agents, suppliers, contractors and workmen to enter the Premises prior to the
completion of Landlord’s Work, provided that Tenant and its agents, contractors, workmen, and
suppliers and their activities in the Premises and Building will not interfere with or delay the
completion of Landlord’s Work and will not interfere with other activities of Landlord or occupants
of the Building. Landlord shall have the right, on notice to Tenant, to cause Tenant or any such
agent, contractor, workman or supplier to leave the Premises and the Building if Landlord
determines that any such interference or delay has been or may be caused. Without limiting the
foregoing, Tenant acknowledges that Landlord may, at its discretion, bar the entry of any such
agent, contractor, workman or supplier if such entry would cause labor problems or labor disharmony
at the Building. Tenant agrees that any such entry into the Premises shall be at Tenant’s own risk
and Landlord shall not be liable in any way for any injury, loss or damage which may occur to any
of Tenant’s property and Tenant agrees to protect, defend, indemnify and save harmless Landlord,
its affiliates, beneficiaries, partners and their respective agents from all liabilities, costs,
damages, fees and expenses arising out of or connected with the activities of Tenant or its agents,
contractors, suppliers or workmen in or about the Premises. In addition, prior to the initial entry
to the Premises by Tenant and by each contractor or subcontractor for Tenant, Tenant shall furnish
Landlord with policies of insurance covering Landlord as an insured party with such coverages and
such amounts as Landlord may then reasonably require in order to insure Landlord against liability
for injury or death or damage to property of Landlord or its tenants by reason of such entry and
any activity or work carried on in or about the Premises.

5

BUILDING RULES AND REGULATIONS

- AGREEMENT FOR CONSTRUCTION -

Project: Midland Building – General Improvements

Contractor/Sub-contractors, Suppliers, Material Men, etc., shall be advised of the following
building rules and regulations concerning their proper conduct within the building. All referenced
material, labor, services, taxes, after-hours costs, shipping, permits, fees or construction and/or
other reference processes performed by Contractor, shall be hereinafter referred to as “Work.”
When AIA Document A107 is the contract, the “Owner,” “Landlord” and “Building Management” may be
one and the same.

It is the General Contractor’s responsibility to ensure everyone reads and understands
these rules and regulations. Ignorance of same is not a waiver of liability or responsibility.
Failure to comply with any of these rules may result in your contract being canceled and/or your
people being asked to leave the job site. The General Contractor is ultimately responsible for the
conduct of his Sub-contractors. The signature block on the last page of this Agreement shall act as
the written approval and a representative of the Building Management has executed acceptance of all
requirements after it.

Building Engineers on site are Lloyd Wickline and Troy Peters.

1. It is the intent of these Rules and Regulations to encompass all applicable labor material
and equipment necessary to completely finish the Work described by Building Management in a
workmanlike manner.

Where the Contractor wishes to make substitutions for items specifically called out on drawings,
specifications, etc., Contractor shall submit in writing to the architect and/or Building
Management: samples, technical data, performance data, etc., as required. Such material shall be
submitted far enough in advance to allow time for review and written approval without causing delay
in the Work. Any substitutions used without written approval shall be subject to rejection and
replacement at Contractor’s expense. The entire system to which the substitution applies and all
Work installed in connection with the substitution must function as a unit as originally intended.

Contractor shall pay for cost of any change in Work due to improper checking and coordination by
Contractor. Contractor shall also be responsible for all additional costs in the re-coordination
of trades and replacement of material.

2. If the Contractor defaults or persistently fails and/or neglects to carry out the Work and/or
correct any Work rejected by the Building Management, in accordance with the Contract Documents
and/or Building Rules and Regulations Agreement, the Owner, after twenty-four (24) hours written
notice to the Contractor, without prejudice to any other remedy he may have, may make good such
deficiencies. Owner may also deduct the cost thereof including compensation for additional
services made necessary from the payment then or thereafter due the Contractor. The Owner may
terminate the Contract and take possession of the site and of all materials, equipment, tools,
construction equipment and machinery thereon owned by the Contractor and finish the Work by
whatever method he deems expedient. If the remaining balance of the Contract Sum is greater than
the expense of finishing the Work, the excess shall be paid to the Contractor. If the remaining
balance is less than the expense of finishing the Work, the Contractor shall pay the difference to
the Owner.

3. Prior to starting any work in the building, Contractor, at its sole expense, should have a
current Policy of Public Liability Insurance naming (Owner) 250 East Broad Street Property, LLC,
and the tenant if applicable and CB Richard Ellis as additionally insured, on file with the
Management Office. Policy will insure against loss, injury, death or damage of persons or property,
including the premises and the building arising out of such Work, with the limits of not less than
$1,000,000 per occurrence for bodily injury and $1,000,000 per occurrence for property damage.
Building Management based on the nature of the Work being performed may increase said amount. Also,
Contractor must keep current insurance certificates on all Sub-contractors. Any
Contractor/Sub-contractor performing work found not to have current insurance will be immediately
ordered off the premises.

4. Contractors working in or about the property must have prior written approval from the Building
Management before any type of Work may commence. A list of subcontractors must be filed with
Building Management and proper notice will be given to the building engineers before construction
begins. Any persons not on the approved Contractor list will be denied access to the property — no
exceptions. This list will include phone numbers and contacts for each Contractor/Sub-contractor,
including home and emergency telephone numbers.

5. An initial walk through of the job will be conducted prior to construction. The Contractor’s
superintendent, the building engineer and security will review rules and regulations, as well as
check for existing conditions of the premises.

6. Prior to the commencement of Work, the Contractor shall provide Building Management with a
projected schedule showing the major items of Work with the dates of their start and finish with
significant milestones for Management to inspect. A projected date of final completion shall also
be included. This date shall be the time when all trades have completed their Work, the suite has
been Certified by the City as ready for occupancy, and the job is ready to be turned over to the
tenant or Building Management.

7. All Contractors must be licensed in the state in which the Work is performed, and have work
experience in commercial properties. Written documentation/certification and previous job
references are required prior to the commencement of any type of Work.

8. Where applicable, permits must be obtained from the City Building Department or other governing
agency prior to the commencement of Work. Permits must be posted at the job site in accordance to
the governing body. All construction Work will require a permit. An officer of 250 East Broad
Street Property must approve any exceptions in writing. Approval of drawings, details, schedules,
etc., by the Building Management shall not relieve the Contractor from the responsibility for
compliance with local, county, state or federal laws, rules, ordinances, or Rules and Regulations
of commissions, boards, or other authorities having jurisdiction.

9. All Contractors shall keep the premises and improvements free and clear of all liens arising out
of or claimed by reason of any Work performed, materials furnished or obligations incurred. The
Contractor is responsible for the payment of all bills for labor and materials furnished by, or to
the Sub-Contractors and himself on this project, and the Contractor will also deliver to the Owner
a Waiver of Liens from himself and each if his Sub-Contractors, if any, and at such time he will
certify that he is submitting such lien waivers for all Sub-Contractors involved.

10. No one shall be allowed to endanger the buildings, its premises or its occupants in any manner
whatsoever. If such a situation occurs, the Contractor, Sub-Contractor, supplier, etc. shall
immediately take steps to correct and eliminate the hazardous condition. In the event that the
Contractor’s personnel fail to perform in a satisfactory manner, the Building Management reserves
the right to immediately take steps to remedy the hazard at the Contractor’s expense.

11. It is imperative that good business/professional conduct be maintained by all Contractors’
personnel while they are on the property and that they are properly dressed for the environment
they are working in and the job being done. Contractor shall not employ any unfit person or anyone
not skilled in the task assigned to him. Respect must be shown to the building tenants at the
Midland Building at all times. Rude and obscene behavior, including foul and abusive language,
will not be tolerated. Offenders will be asked to remove themselves from the premises and shall
not be permitted to return.

12. Contractor is not permitted to post any sign on the job site advertising the name of the
Contractor or Sub-Contractor.

13. All Contractors’ personnel will enter and exit through a designated entrance and possibly a
designated freight elevator. Use of building main floor, lobbies, or elevator lobbies is
prohibited for storing material even on a temporary basis. Specific building moving and freight
policies are established and must be reviewed with Building Management. Where applicable such
freight policies may include fines for breaking such policies.

14. The Building Management prior to the commencement of the project must approve hours in which
the Work will commence and end each day. No variation to the agreed upon hours will be permitted
unless authorization is obtained from the Building Management. The Contractor’s Rules and
Regulations as stated herein will further limit hours. Building Management must be notified of
“after hours” Work in advance. (See Security Access Instructions for details) “After hours” work
is defined to be before 7:00 a.m. and after 6:30 p.m. All Contractors working over the weekend and
after the normal hours shall provide the Management Office a list of workers prior to the worker
being on site or they will be denied access. The list should also include an estimated time the
Contractors will be working, the location of the work to be done and a 24-hour emergency contact
for the Supervisor of the Work.

15. All deliveries are to be accepted, moved and delivered to the contracted suite prior to 7:00
a.m., stocking will not be allowed during business hours. When accepting deliveries, Masonite must
be laid to protect floor finishes. It is the Contractor’s responsibility to keep public areas
clean at all times.

16. All construction waste and debris shall be removed between the hours of 6:30 p.m. to 7:00 a.m.
No construction waste or debris may be placed in the building dumpster /compactor. The Contractor
will provide for removal of waste and debris from the building at his own expense. If a dumpster
is required (space allowing), the location shall be authorized by the Building Management and will
meet the Management’s standard relating to safety and aesthetics daily. It will be the
responsibility of the Contractor to keep the area around the container neat and orderly daily. It
will be important to assure that a trail of debris in not left between the Work area and refuse
container.

17. Construction personnel shall at all times maintain the highest level of project cleanliness.
All construction debris shall be removed through the service elevator or stairs on a daily basis
and shall never be allowed to produce a fire hazard. In the event that the Contractor fails or
refuses to keep the demised premises free of accumulated waste, the Management Office reserves the
right to enter said premises and remove the debris at the Contractor’s expense. In addition, all
public areas, i.e., corridors, Restrooms, janitor’s closets, etc. shall be maintained and kept free
of construction debris, dust, etc.

Specific Restrooms will be designated for Contractor use. Anyone found using Restrooms other than
specified, or janitorial closets will be subject to dismissal. No one is permitted to use the
janitorial closets without Management’s permission. Upon completion of each tenant improvement,
the Contractor will be responsible for restoring the facility to its original state. All carpeted
corridors will be protected by carpet mask (Polytech brand only) flush with the base, from the
point of entry to the job site to the Restroom. Walk-off mats will be placed at all locations
where Contractors enter public areas of the building. These walk-off mats will be maintained and
cleaned daily, or more frequently if required, so that construction material is not transferred
unto any other areas of the building. Any flammable or hazardous materials (i.e., paint) may only
be stored on premises with permission of the Management Office who shall designate an area for such
storage.

18. Pre-filters shall be installed over all induction unit openings on floors under construction.
If building filters or equipment require replacement or cleaning due to construction dust, the
Contractor will be charged.

19. The Contractor should cover air transfers when working next to tenanted space to control the
transmission of dust and dirt. Covering must be removed at the completion of daily construction.
Keep all tenant entrance and exit doors closed to restrict the movement of dust or dirt. Close off
temporary openings with polyurethane. Due to local fire codes, no openings may be made on a
tenanted floor to the corridor unless the door will remain closed, unless materials are being
delivered. All HVAC filters in fan rooms shall also be delivered in operable condition at time of
completion (thus a temporary filter should be added to the existing filter).

20. Electrical Panels must be closed up at the end of each working day. (Interior panels can be
covered or barricaded). Doors to all electrical rooms must remain locked when not occupied or
protected by barrier. No storage is allowed in the electrical room. DO NOT TAPE OVER LOCKS TO
LEAVE DOOR OPEN OR USE ANY MECHANICAL DEVICE TO PROP OPEN. REPEATED VIOLATIONS WILL BE FINED
$150.00 PER EVENT.

21. Any and all safety equipment, such as traffic control, flagmen, barricades, rigging, fire
extinguishers, first aid supplies, etc., as may be necessary or required by any agency having
jurisdiction, shall be the sole responsibility of and at the expense of Contractor. It is the
responsibility of the Contractor to protect all individuals surrounding the Work area. All
liability shall be the responsibility of the Contractor. Contractor/Sub-contractor shall inaugurate
and maintain an accident prevention program and an employee safety-training program. Proof of
compliance may be requested by building management. All employees on the job, regardless of whose
direct payroll they are on, shall be required to respond to safety instructions from the
Contractor’s supervision. Persons who do not respond shall be removed from the job.

22. All Contractors are to take precautions to prevent the accidental tripping of the fire alarm
system. The smoke detectors must be covered during working hours and uncovered at the end of the
working day.

False alarms shall be fines at First offense: $200

	 	 	 	 	 
	Second offense:
	 	$	300	 
	Third offense:
	 	$	500	 

23. No gasoline operated devices, i.e., concrete saws, coring machines, welding machines, etc.,
shall be permitted within the building premises. All work requiring such devices shall be by means
of electrically operated substitutes.

24. All approved gas and oxygen canisters shall be properly chained and supported to eliminate all
potential hazards. At the completion of use, said containers shall be removed from the building.

25. Please contact the Management Office to schedule work on the following building systems: 24-
hours in advance (Any disruption of services will be scheduled at the Management Office’s
discretion.)

a. Domestic water.

b. Fire alarm or speaker.

	 	c.	 	Electrical tie-ins to base building or the addition of equipment to any are
other than the tenant suite except sub panels located within the tenant premises.

d. Sprinkler system.

e. Any work that will take place outside the demised tenant space.

f. Any tie-ins that may affect other tenant spaces.

Note: If a utility or building alarm is turned off for Contractor’s work, Contractor must notify
the Management Office upon completion so the system can be turned back on as soon as possible.

26. Construction personnel are not permitted to block open stairway doors. These doors provide the
fire protection required by code. Continued violation of this provision shall be subject to a $
150 fine. Janitorial doors shall be kept closed at all times on occupied tenant floors.

27. No graffiti or vandalism will be tolerated. Any individual caught in the act shall be
immediately removed from the premises and will not be allowed to return. In addition, all repairs
will be at the Contractor’s expense.

28. No tobacco smoking or chewing will be permitted in the building. No radios or
other sound producing equipment will be permitted in the building.

29. Since Work will occur while other businesses in the building are operating, noise is a major
consideration. Therefore, excessive noise, which may disturb tenants, will force us to halt Work
temporarily. No hammer drilling, core drilling or any tenant disturbances will be allowed between
the hours of 7:00 a.m. and 6:00 p.m., Monday through Friday. It is the responsibility of the
Contractor to instruct all construction personnel that noise will be minimized at all times. The
Building Management shall determine acceptable noise level.

	30.	 	Wet paint sign must be posted in all public areas when appropriate.

31. The odors, which arise when various construction procedures are done, can cause discomfort to
the tenants of the building. Examples of these odor concerns are carpet adhesive, wallpaper
sizing, wood stains and finishes and painting. These activities which sometimes produce odor
problems for tenants in the building will be done during evening non-business hours, as approved by
the Building Manager. Also, the engineering staff should be alerted to arrange for added
ventilation.

32. Contractor shall provide temporary electrical devices within the demised premises for their
Sub-contractor’s use. Contractor will not be permitted to run extension cords through public space
on occupied floors or through occupied tenant spaces.

33. The Contractor shall use reasonable measures to minimize energy consumption in the construction
area when possible. The Building shall pay for normal electrical consumption during the
construction process. All lights and equipment must be extinguished at the end of the Contractor’s
business day. In the event that the Contractor continues to leave lights and equipment on during
off-hours, the Management Office reserves the right to receive just compensation for excessive
electrical consumption.

34. Contractor/Sub-contractor may park in designated spaces only. Any vehicles found in
unauthorized spaces will be subject to posted parking rates. Specific instructions should be
obtained from each Building Management.

35. No work is to be performed, nor materials stored in any area other than suite under
construction without prior written authorization. No staging of trucks or materials will be
allowed in areas that may affect traffic flow to the adjoining properties.

	36.	 	Rubber wheels are required on all vehicles transporting materials in the Building.

37. All equipment and material will be designed and attached for seismic loading in accordance with
governmental agencies having jurisdiction over the work.

38. The following briefly describes the standard billing provisions, unless specified otherwise,
the following format will be followed:

	 	a.	 	Contractor shall submit, within five (5) calendar days of execution of this
agreement, a schedule of values for contractor work broken down by trade, quantity of
items and subcontractor.

	 	b.	 	Contractor shall, once a month, submit a copy of the payment request
accompanied by unconditional lien releases from the general contractor and all
subcontractors who have previously filed preliminary notices with an acceptance letter
of completed work from General Contractor. A copy of the schedule of values must
support each request.

By executing this Agreement, the Contractor represents that he has or will, prior to commencement
of Work, determine and verify all field measurements, field construction criteria, materials,
catalogue numbers and similar data and that he has checked and coordinated all drawings,
specifications, etc.

The Contractor accepts and is willing to perform all Work in a workmanlike manner and in accordance
with standard practice. Any extra cost based on drawings or changes shall be brought to the
attention of Building Management in writing and if not mentioned, it will be assumed that no extra
cost is involved for making a change, deviation or omission from the original drawings, details or
specifications.

The undersigned acknowledges receipt and acceptance of the Contractor’s Rules and Regulations as
stated. The undersigned will take full responsibility for;

	1.	 	Communicating Rules and Regulations to all Contractor’s personnel and Sub-contractors;

2. Enforcing Rules and Regulations in regards to employees of Contractor and Sub-contractors.

6

EXHIBIT [C]

CLEANING SPECIFICATIONS 

1. TENANTED AREAS

Nightly

Carpeted Areas- All carpeted floors will be vacuumed daily, moving all light furniture.
All furniture will be replaced to its original position. Vacuum under all desks and large
furniture, where possible.

Uncarpeted Floors- All hard-surfaced floors will be dust mopped nightly, using a
treated dust mop, moving all light furniture. All furniture will be replaced to its original
position. Mop under desks and large furniture where possible. Spot clean where necessary to
remove spills and smudges and spray buff as necessary.

Dusting- Hand dust and wipe clean with a damp or treated cloth all office furniture,
files, fixtures, paneling, window sills, and all other horizontal surfaces nightly. No feather
dusters allowed.

Furniture and Accessories- Spot clean all furniture and file cabinets to remove
streaks, spills, stains and finger marks. Damp dust telephone accessories as necessary. Empty,
clean and damp dust all waste receptacles, replacing liners where necessary. Wash waste
receptacles as necessary. Wash blackboards and chalk trays. Glass furniture tops to be damp
wiped and polished nightly.

Doors and Walls- All doors, jambs, walls, window mullions and glass partitions to be
cleaned removing all finger marks, streaks, spills, stains and smudges, paying particular
attention to walls around switch plates and door jambs.

Trash Removal- All trash from wastebaskets, ashtrays and other debris will be removed
from the premises nightly. Plastic bags to be installed in wastebaskets as required.

Weekly 

Carpeted Floors- All carpeted floors will be edged with a small broom or edging
tool paying particular attention to corners, behind doors and around furniture legs and
bases. Baseboards will be wiped with a treated dust cloth.

Dusting- Wipe with treated dust cloth all chair legs and rungs, furniture legs and
other areas of furniture and accessories not dusted during nightly dusting. No feather
dusters will be allowed.

Monthly 

Uncarpeted Floors- All hard-surfaced floors will be spray buffed with an electric

rotary buffing machine. All finish marks will be removed from baseboards, doors and frames.

High Dusting- All horizontal surfaces and ledges, such as picture frames, etc.,

ceiling air diffuser grills, lights, etc., that are beyond the reach of normal nightly
dusting will be dusted monthly, using a treated dust cloth. No feather dusters will be
allowed.

Glass Partitions and Doors- All glass doors and partitions will be thoroughly

washed, dried and polished, leaving a uniformly clean and bright condition. All
watermarks will be wiped from adjoining surfaces.  

2. RESTROOMS

Nightly 

Floors and Tiles- Floors will be swept clean and wet-mopped, using a germicidal
detergent approved by Owner. The floors will then be mopped dry and all watermarks and stains
wiped from walls and metal partition bases. Special care shall be taken to remove any mop
threads that become caught in partitions/ receptacles.

Metal Fixtures-Wash and polish all mirrors, powder shelves, bright-work (including
exposed piping below wash basins) towel dispensers, receptacles and any other metal accessories.
Mirrors will be cleaned and polished. Contractor shall use a non-abrasive, non-acidic material
to avoid damage to metal fixtures and Formica sink tops.

Ceramic Fixtures- Scour, wash and disinfect all basins, including faucets handles, bowls
and urinals with non-abrasive cleaner to remove all stains, including tile walls near urinals.
Special care must be taken to inspect and clean areas of difficult access, such as underside
toilet bowl rings and urinals to prevent build up of calcium and iron oxide deposits. Wash both
sides of toilet seats with germicidal solution to disinfect and wipe dry. Toilet seats to be
left in an upright position. Flush all urinals and water closets and report to management any
leaks and/or stoppage the next morning.

Metal Partitions and Walls- Partitions, tile walls and outside surfaces of all
dispensers/ receptacles to be damp wiped using germicidal solution. All surfaces to be wiped dry
so that all wipe marks are removed and surface has a uniformly bright appearance. Dust the top
edges of all partitions, ledges and mirror tops. Disinfect all restroom handles, door handles,
stall handles, grab bars, flush handles and faucet handles.

General-It is the intention of this specification to keep lavatories thoroughly clean
and not to use disinfectant to mask odors. Odorless disinfectants shall be used. Remove all
waste paper and refuse including soiled sanitary napkins, to designated area of the building and
dispose of same. Waste paper and sanitary napkin receptacles to be emptied, sanitized and new
liners installed. Fill toilet tissue holders, seat cover containers, soap, and hand lotion
dispensers, towel dispensers, sanitary napkin vending dispensers and maintain the operation of
same.

Weekly

Floors- All restroom floors will be machine scrubbed, using a germicidal solution,
detergent and water. After scrubbing, floors will be rinsed with clear water and dried. All
water marks will be removed from walls, partitions and fixtures. If directed by Owner, an
approved floor finish will be applied and buffed.

Floor Drains- Clean, disinfect and fill with water at least weekly

Monthly

Metal Partitions and Walls- Partitions, tile walls and outside surfaces of all
dispensers/ receptacles to be thoroughly washed using germicidal solution. All surfaces to be
wiped dry so that all wipe marks are removed and surface has uniformly bright appearance.

Ceiling Grills and Light Fixtures- All louvers, ventilating grills and light lenses to
be vacuumed monthly.

7

EXHIBIT [D]

RULES AND REGULATIONS

1. Tenant shall not exhibit, sell, or offer for sale on the Premises or in the Building any article
or thing except those articles and things essentially connected with the stated use of the Premises
without the advance written consent of the Landlord, which consent shall not be unreasonably
withheld.

2. Tenant shall not allow smoking by its employees, agents, customers, invitees or others within
the Premises or the Building, including the Common Areas other than a designated area provided by
Landlord.

3. Tenant will not make or permit to be made any use of the Premises or any part thereof which
would violate any of the covenants, agreements, terms, provisions, and conditions of this Lease or
which directly or indirectly is forbidden by public law, ordinance, or governmental regulation or
which may be dangerous to life, limb, or property, or which may invalidate or increase the premium
cost of any policy of insurance carried on the Building or Real Property or covering its operation,
or which will suffer or permit the Premises or any part thereof to be used in any manner or
anything to be brought into or kept therein which, in the judgment of Landlord, shall in any way
impair or tend to impair the character, reputation or appearance of the Building or Real Property
as a high quality office building, or which will impair or interfere with any of the services
performed by Landlord for the Real Property and Building.

4. Tenant shall not display, inscribe, print, paint, maintain, or affix on any place in or about
the Building or in the Real Property any notice, legend, direction, figure, or advertisement,
except on the doors of the Premises and on the Directory Board, and then only such name(s) and
matter, and in such color, size, place, and materials as shall first have been approved by the
Landlord, which approval shall not be unreasonably withheld. The listing of any name other than
that of Tenant, whether on the doors of the Premises, on the Building directory, or otherwise,
shall not operate to vest any right or interest in this Lease or in the Premises or be deemed to be
the written consent of Landlord, it being expressly understood that any such listing is a privilege
extended by Landlord and revocable at will by written notice to Tenant.

5. No additional locks or similar devices shall be attached to any door or window without
Landlord’s prior written consent, which consent shall not be unreasonably withheld. All keys must
be returned to the Landlord at the expiration or termination of this Lease.

6. Tenant shall not make any structural alterations, improvements, or additions to the Premises
without the Landlord’s advance written consent in each and every instance which consent shall not
be unreasonably withheld. In the event Tenant desires to make any alterations, improvements, or
additions, Tenant shall first submit to Landlord plans and specifications thereof and obtain
Landlord’s written approval thereof prior to commencing any such work. All alterations,
improvements, or additions, whether temporary or permanent in character, made by Landlord or Tenant
in or upon the Premises shall become Landlord’s property and shall remain upon the Premises at the
termination of this Lease without compensation to Tenant (excepting only Tenant’s movable office
furniture, trade fixtures, office and professional equipment), unless Landlord requires Tenant to
remove such items which must be removed at Tenant’s cost by no later than the earlier of the
termination or expiration of this Lease and such items shall be removed without damage to the
Landlord’s property. Any damage caused by or resulting from the removal of Tenant’s office
furniture, trade fixtures, and office and professional equipment, or alterations, improvements, or
additions removed at Landlord’s request, may be repaired by the Landlord at Tenant’s cost and
expense.

7. All persons entering or leaving the Building after hours on Monday through Friday or at any time
on Saturdays, Sundays or holidays may be required to do so under such regulations as the Landlord
may reasonably impose. The Landlord may exclude or expel any peddler.

8. Unless Landlord gives advance written consent, Tenant shall not install or operate any steam or
internal combustion engine, boiler, machinery, refrigerating or heating device or air conditioning
apparatus in or about the Premises, or carry on any mechanical business therein, or use the
Premises for housing accommodations or lodging or sleeping purposes, or do any cooking therein,
except microwave, or use any illumination other than electric light, or use or permit to be brought
into the Building any inflammable fluids such as gasoline, kerosene, naphtha and benzene, or any
explosives, radioactive materials, or other articles deemed extra hazardous to life, limb or
property. Tenant shall not use the Premises for any illegal or immoral purpose. Landlord consents
to a small refrigerator and ice machine for the tenant kitchen.

9. Tenant shall cooperate fully with Landlord to assure the effective operation of the Building’s
heating and air conditioning system.

10. Tenant shall not contract for any work or service which might involve the employment of labor
incompatible with the employees of contractors doing work or performing services by or on behalf of
the Landlord.

11. The halls, passages, exits, and entrances shall not be obstructed by Tenant or used for any
purpose other than for ingress or egress from its Premises. The roof is not for the use of the
general public and the Landlord shall in all cases retain the right to control and prevent access
thereto.

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

13. Tenant shall see that the doors and windows, if operable, of the Premises are closed and
securely locked before leaving the Building and must observe strict care and caution that all water
faucets or water apparatus are entirely shut off before Tenant or its employees leave the Building,
and that all electricity shall likewise be carefully shut off so as to prevent waste or damage.
Tenant agrees that the Premises are to be used for office purposes only in connection with Tenant’s
business and for no other purpose whatsoever without the advance express written consent of
Landlord, which consent shall not be unreasonably withheld.

14. Landlord will not be responsible for any loss, theft or disappearance of personal property,
equipment, money or jewelry from the leased premises for any cause whatsoever.

15. Landlord desires to maintain the Premises in a first class condition. Landlord reserves the
right to amend, add to or modify these Rules and Regulations as in its judgment may from time to
time be necessary for the safety, care and cleanliness of the leased premises and the Building. If
Tenant breaches any of these Rules and Regulations (or any amendments, additions or modifications
thereto), such breach shall be considered a default under the Lease.

These Rules and Regulations (and any additions or modifications) are intended to supplement the
terms and provisions of the Lease and shall be applied and interpreted in a manner which is
consistent with the terms and provisions of the Lease. In the event of a conflict between the
Lease and these Rules and Regulations (or any amendments, additions or modifications thereto), the
Lease will govern.

(End of Rules and Regulations)

8

EXHIBIT [E]

FORM OF TENANT ESTOPPEL CERTIFICATE

DATED:______________________

	 	 	 	 	 
	Re:

	 	Lease Dated:
	 	

	 	 	Landlord: 250 East Broad Street Properties, LLC
	
 
	 	Tenant:
	 	

	
 
	 	Premises:
	 	

	
 
	 	 	 	 
	
 
	 	 	 	at The Midland Building, Columbus, Ohio

The undersigned as Tenant under the Lease aforesaid, hereby acknowledges for the benefit of
     , which has or is about to make a loan to the Landlord aforesaid, part of the
security for which will be a mortgage covering the Premises aforesaid and an assignment of
Landlord’s interest in said Lease, the truth and accuracy of the following statements pertaining to
said Lease.

1. Tenant has accepted and is in full possession of the Premises.

2. The term of the Lease commenced on      and the Lease is in full force and
effect.

3. Landlord has satisfactorily complied with all of the requirements and conditions precedent
to the commencement of the term of the Lease as specified in the Lease.

4. All improvements, additions and alterations required to be made by Landlord with respect to
the Premises have been fully completed by Landlord and are acceptable to Tenant except for
     .

5. Tenant is paying the full rent stipulated in the Lease and there are no offsets, defenses
or claims on the part of Tenant with respect thereto.

6. The fixed annual rent under the Lease is $     and no moneys have been paid to
Landlord in advance of the due date set forth in the Lease, except      
     .

7. Landlord has not been and is not presently in default under any of the terms, covenants or
provisions of the Lease.

8. There have been no modifications or amendments to the Lease except as follows:
     .

A true and complete copy of the Lease (together with all amendments if any aforementioned) is
attached hereto and hereby made a part hereof.

9. Tenant acknowledges that      assumes no liability for its security deposits, if any,
or for sums escrowed with the Landlord for taxes in the event that      acquires the building
in which the Premises are located by foreclosure or by transfer of title in lieu of foreclosure.

10. Tenant has no notice of any prior assignment, hypothecation or pledge of the Lease or of
the rents payable by Tenant thereunder.

	 	 	 
	Dated:

	 	TENANT:
	
 
	 	By:
	Address to which notices are to be

sent if other than the Premises:

	 	

9

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