Document:

ex101t8ka203581_08292008.htm

    Exhibit
10.1

     

    OFFICE
OF INSURANCE REGULATION

     

    

    
       

      
        	
                 KEVIN M.
      MCCARTY

                Commissioner

              	
                FILED

                August 29, 2008

                OFFICE OF INSURANCE REGULATION

                Docketed by: /s/
 

              

      

       

    

    
      	
              IN
      THE MATTER OF:

               

              AMCOMP
      ASSURANCE CORPORATION;

              AMCOMP
      PREFERRED INSURANCE COMPANY

               

              
                Workers’
      Compensation Excess Profits

                 

              

            	
               

              CASE
      NO.:  89261-07

            

    

    

    

    CONSENT
ORDER

     

    THIS
CAUSE came on for consideration as a result of an agreement between AMCOMP
ASSURANCE CORPORATION and AMCOMP PREFERRED INSURANCE COMPANY (hereinafter
referred to as “AMCOMP”) and the OFFICE OF INSURANCE REGULATION (hereinafter
referred to as the “OFFICE”).  After a complete review of the entire
record, and upon consideration thereof, and being fully advised in the premises,
the OFFICE, hereby finds as follows:

     

    1.           The
OFFICE, pursuant to Chapters 624 and 627, Florida Statutes, has jurisdiction
over the subject matter and the parties herein.

     

    Workers’ Compensation Excess
Profits Filing for calendar/accident years

    2002, 2003, and
2004

     

    2.           On
June 26, 2006, AMCOMP submitted its Workers’ Compensation Excessive Profits Form
0IR-B1-15 filing required by Section 627.215, Florida Statutes, for the
calendar/accident years 2002, 2003, and 2004.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    3.           On
or about March 14, 2007, the OFFICE filed a Notice of excessive profits finding
on a preliminary basis that AMCOMP had realized excess profits in the amount of
$5,663,805.00 for workers’ compensation business for the statutory review period
covering calendar/accident years 2002, 2003, and 2004.

     

    4.           On
or about April 2, 2007, AMCOMP submitted a Petition for Formal Administrative
Hearing pursuant to Section 120.57(1), Florida Statutes.

     

    5.           Subsequently
on or about April 2, 2007, AMCOMP submitted amended documentation and
explanatory exhibits regarding its Form OIR-B1-15 filing, correcting errors of
the original filing and reported data.

     

    6.           On
or about July 11, 2008, AMCOMP submitted additional amended documentation and
explanatory exhibits regarding its Form OIR-B1-15 filing, correcting errors of
the original filing and reported data.

     

    7.           Upon
review of the amended documentation, the OFFICE has determined that AMCOMP has
not realized excess profits for calendar/accident years 2002, 2003, and 2004,
pursuant to Section 627.215, Florida Statutes.

     

    Workers’ Compensation Excess
Profits Filing for calendar/accident years,

    2003, 2004, and
2005

     

    8.           On
June 22, 2007, AMCOMP submitted its Workers’ Compensation Excessive Profits Form
OIR-B1-15 filing, required by Section 627.215, Florida Statutes, for the
calendar/accident years 2003, 2004, and 2005.

     

    9.           On
or about May 19, 2008, the OFFICE filed a Notice of excessive profits finding on
a preliminary basis that AMCOMP had realized excess profits in the amount of
Eleven Million Seven Hundred One Thousand Eight Hundred Thirty Two Dollars and
00/100 ($11,701,832.00)
for workers’ compensation business for the statutory review period covering
calendar/accident years 2003, 2004, and 2005.

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    10.           On
or about June 9, 2008, AMCOMP submitted a Petition for Formal Administrative
Hearing pursuant to Section 120.57(1), Florida Statutes.

     

    11.           Subsequently
on or about June 26, 2008, AMCOMP submitted amended documentation and
explanatory exhibits regarding its Form OIR-B1-15 filing, correcting errors of
the original filing and reported data.

     

    12.           On
or about July 11, 2008, AMCOMP submitted additional amended documentation and
explanatory exhibits regarding its Form OIR-B1-15 filing, correcting errors of
the original filing and reported data.

     

    13.           Upon
review of the amended documentation, the OFFICE has determined that AMCOMP has
not realized excess profits of Eleven Million Seven Hundred One Thousand Eight
Hundred Thirty Two Dollars and 00/100 ($11,701,832.00) for calendar/accident
years 2003, 2004, and 2005, pursuant to Section 627.215, Florida
Statutes.

     

    14.           AMCOMP
has realized, and therefore owes to applicable policyholders, excessive profits
for calendar/accident years 2003, 2004 and 2005, in the amount of Two Million
Eight Hundred Five Thousand Eight Hundred Forty Nine Dollars and 00/100
($2,805,849.00), pursuant to Section 627.215, Florida Statutes.

     

    15.           AMCOMP
shall provide refunds or policy renewal credits to policyholders in the amount
of Two Million Eight Hundred Five Thousand Eight Hundred Forty Nine Dollars and
00/100 ($2,805,849.00) for calendar/accident years 2003, 2004 and 2005; in
accordance with Section 627.215, Florida Statutes.

     

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

     

    16.           AMCOMP
shall attempt to locate policyholders whose refund checks are returned and
AMCOMP shall thereafter report and process any unclaimed excessive profits funds
as unclaimed or abandoned property, pursuant to the provisions of Chapter 717,
Florida Statutes.

     

    17.           Pursuant
to Section 627.215(12)(b), Florida Statutes, AMCOMP shall upon completion of the
renewal credits or refund payments, immediately certify to the OFFICE that the
refunds have been made.  Additionally, AMCOMP shall also certify that
it has attempted to locate policyholders whose refund checks are returned and
that it has complied with the abandoned property provisions of Chapter 717,
Florida Statutes, if necessary.

     

    Workers’ Compensation Excess
Profits Filing for calendar/accident years

    2004, 2005, and
2006

     

    18.           On
June 30, 2008, AMCOMP submitted its Workers’ Compensation Excessive Profits Form
OIR-B1-15 filing required by Section 627.215, Florida Statutes, for the
calendar/accident years 2004, 2005, and 2006.

     

    19.           On
or about August 6, 2008, AMCOMP submitted additional amended documentation and
explanatory exhibits regarding its Form OIR-B1-15 filing.

     

    20.           The
OFFICE finds and AMCOMP agrees that AMCOMP realized excess profits in the amount
of Five Million Six Hundred Fifty Thousand Eight Hundred Seven Dollars and
00/100 ($5,650,807.00) for workers’ compensation business for the statutory
review period covering calendar/accident years 2004, 2005, and
2006.

     

    21.           AMCOMP
hereby knowingly and voluntarily waives all rights to challenge or to contest
the finding of excess profits in the amount of Five Million Six Hundred Fifty
Thousand Eight Hundred Seven Dollars and 00/100 ($5,650,807.00) for workers’
compensation business for the statutory review period covering calendar/accident
years 2004, 2005, and 2006, in any forum now or in the future available to it,
including notice, the right to any administrative proceeding, circuit or federal
court action, or any appeal. AMCOMP also expressly waives a hearing in this
matter, the making of Findings of Fact and Conclusions of Law by the OFFICE, and
all further and other proceedings herein to which it may be entitled by law or
rules of the OFFICE.

     

    
      
        
        

      

      
        4

        
          

        

      

      
        
        

      

    

     

    22.           AMCOMP
has realized, and therefore owes to applicable policyholders, excessive profits
for calendar/accident years 2004, 2005 and 2006, in the amount of Five Million
Six Hundred Fifty Thousand Eight Hundred Seven Dollars and 00/100
($5,650,807.00), pursuant to Section 627.215, Florida Statutes.

     

    23.           AMCOMP
shall provide refunds or policy renewal credits to policyholders in the amount
of Five Million Six Hundred Fifty Thousand Eight Hundred Seven Dollars and
00/100 ($5,650,807.00) for calendar/accident years 2004, 2005 and 2006, in
accordance with Section 627.215, Florida Statutes.

     

    24.           AMCOMP
shall attempt to locate policyholders whose refund checks are returned and
AMCOMP shall thereafter report and process any unclaimed excessive profits funds
as unclaimed or abandoned property, pursuant to the provisions of Chapter 717,
Florida Statutes.

     

    25.           Pursuant
to Section 627.215(12)(b), Florida Statutes, AMCOMP shall upon completion of the
renewal credits or refund payments, immediately certify to the OFFICE that the
refunds have been made.  Additionally, AMCOMP shall also certify that
it has attempted to locate policyholders whose refund checks are returned and
that it has complied with the abandoned property provisions of Chapter 717,
Florida.  Statutes, if necessary.

     

    
      
        
        

      

      
        5

        
          

        

      

      
        
        

      

    

     

    26.           AMCOMP
shall pay to the OFFICE within thirty (30) days of issuance of this Consent
Order an administrative fine in the amount of Fifteen Thousand Dollars
($15,000), and administrative costs in the amount of Fifteen Thousand Dollars
($15,000).

     

    27.           AMCOMP
is hereby put on notice of the requirements of Section 627.215, Florida
Statutes, including but not limited to, the submission of complete and correct
excessive profits filings in the future, and that any future violations of this
section by AMCOMP may be deemed willful, subjecting AMCOMP to the appropriate
penalties.  Provided, however, and notwithstanding the foregoing,
nothing set forth in this paragraph 27, or otherwise contained in this Consent
Order, shall be deemed to constitute an admission or acknowledgment by AMCOMP,
or a finding by the OFFICE, that AMCOMP has violated the requirements of section
627.215 or Chapter 624 of the Florida Statutes, in connection with the matters
described in this Consent Order.

     

    28.           AMCOMP
affirms that all representations and requirements set forth herein are material
to the issuance of this Consent Order.  Violation of any part of this
Consent Order shall constitute a violation of a lawful order of the OFFICE and
may subject AMCOMP to one or more of the administrative remedies available under
the Florida Insurance Code.

     

    29.           AMCOMP
expressly waives a hearing in this matter, the making of Findings of Fact and
Conclusions of Law by the OFFICE, and all further and other proceedings
herein to which it may be entitled by law or rules of the
OFFICE.  AMCOMP hereby knowingly and voluntarily waives all rights to
challenge or to contest this Consent Order, in any forum now or in the future
available to it, including the right to any administrative proceeding, circuit
or federal court action, or any appeal.

     

    
      
        
        

      

      
        6

        
          

        

      

      
        
        

      

    

     

    30.           Except
as noted hereinabove, each party to this Consent Order shall bear it own costs
and fees incurred in connection herewith.

     

    THEREFORE,
the agreement between AMCOMP and the OFFICE, the terms and conditions of which
are set forth above, is APPROVED.  FURTHER, all terms and conditions
contained herein are hereby ORDERED.

     

    DONE and
ORDERED this 29th day of August, 2008.

     

    
      	 
      	 
      
	 
      	 
      
	 
      	
              
                /s/
      Kevin M. McCarty

              

            
	 
      	
              KEVIN
      M. McCARTY

              Commissioner

              Office
      of Insurance Regulation

            

    

    
 

    
      
        
        

      

      
        7

        
          

        

      

      
        
        

      

       

    

    By
execution hereof, AMCOMP ASSURANCE CORPORATION consents to entry of this Consent
Order, agrees without reservation to all of the above terms and conditions, and
shall be bound by all provisions herein.  The undersigned represents
that he/she has the authority to bind AMCOMP ASSURANCE CORPORATION to the terms
and conditions of this Consent Order.

     

    
      	 
      	
              AMCOMP
      ASSURANCE CORPORATION

            
	 
      	 
      
	 
      	
              By:

            	
              
                /s/
      Debra C. Ruedisili

              

            
	 
      	 
      
	 
      	
              Name:

            	
              
                Debra
      C. Ruedisili

              

            
	 
      	 
      	 
	 
      	
              Title:

            	C.O.O.
      / President
	 
      	 
      	 
      
	 
      	
              Date:

            	
              
                August
      29, 2008

              

            

    

    

    

    STATE
OF FLORIDA                  )

     

                                                            
)      ss.

     

    COUNTY
OF PALM BEACH      )

     

    
      

      
        	
                The
      foregoing affidavit was sworn to and subscribed before me this 29th day of
      August, 2008, by Debra C.
      Ruedisili.

              
	 
      	 
      	 
      
	
                Personally
      known to me

              	          
      X	 
      

      

       

      
        	 
      	 
      	 
      
	
                Identification
      Produced

              	 
      	 
      

      

      
 

    

    
      	 
      	 	 
      
	 
      	 	 
      
	 
      	 	/s/ Mary T.
      Baldo
	
              Notarial
      Seal

            	 	
              NOTARY
      PUBLIC

            
	 
      	 	 
      
	 
      	 	Mary
      T. Baldo
	 
      	 	
              Typed,
      wiped, or Handwritten Name

            
	
              My
      Commission Expires:

            	 	 
      
	 	 	 
	July
      18, 2009	 	 

    

     

    
      
        
        

      

      
        8

        
          

        

      

      
        
        

      

    

    

    By
execution hereof, AMCOMP PREFERRED INSURANCE COMPANY consents to entry of this
Consent Order, agrees without reservation to all of the above terms and
conditions, and shall be bound by all provisions herein.  The
undersigned represents that he/she has the authority to bind AMCOMP PREFERRED
INSURANCE COMPANY to the terms and conditions of this Consent
Order.

     

    
       

      
        	 
      	
                
                  AMCOMP
      PREFERRED INSURANCE COMPANY

                

              
	 
      	 
      
	 
      	
                By:

              	
                
                  /s/
      Debra C. Ruedisili

                

              
	 
      	 
      
	 
      	
                Name:

              	
                
                  Debra
      C. Ruedisili

                

              
	 
      	 
      	 
	 
      	
                Title:

              	C.O.O.
      / President
	 
      	 
      	 
      
	 
      	
                Date:

              	
                
                  August
      29, 2008

                

              

      

       

    

    

    
       

    

    
      STATE
OF FLORIDA                  )

       

                                                              
)      ss.

       

      COUNTY
OF PALM BEACH      )

       

      
        

        
          	
                  The
      foregoing affidavit was sworn to and subscribed before me this 29th day of
      August, 2008, by Debra C.
      Ruedisili.

                
	 
      	 
      	 
      
	
                  Personally
      known to me

                	          
      X	 
      

        

         

      

    

    
      	 
      	 
      	 
      
	
              Identification
      Produced

            	 
      	 
      

    

    

    
      
        	 
      	 	 
      
	 
      	 	 
      
	 
      	 	/s/ Mary T.
      Baldo
	
                Notarial
      Seal

              	 	
                NOTARY
      PUBLIC

              
	 
      	 	 
      
	 
      	 	Mary
      T. Baldo
	 
      	 	
                Typed,
      wiped, or Handwritten Name

              
	
                My
      Commission Expires:

              	 	 
      
	 	 	 
	July
      18, 2009	 	 

      

       

    

     

    
      
        
        

      

      
        9

        
          

        

      

      
        
        

      

    

    

    COPIES
FURNISHED TO:

    

    DEBRA
JANE CERRE-RUEDISILI, President

    AmComp
Assurance Corporation

    AmComp
Preferred Insurance Company

    701 U.S.
Highway 1, Suite 200

    North
Palm Beach, Florida 33408

    

    TOM
MAIDA, Esq.

    Foley and
Lardner, LLP

    106 East
College Avenue, Suite 900

    Tallahassee,
Florida 32301

    

    JIM
WATFORD, Actuary

    Property
& Casualty Product Review

    Office of
Insurance Regulation

    200 East
Gaines Street, Room 212-F

    Tallahassee,
Florida 32399

    

    CHRISTOPHER
MEADOWS, Assistant General Counsel

    Legal
Services Office

    Office of
Insurance Regulation

    200 East
Gaines Street, Room 646-A-1

    Tallahassee,
Florida 32399

    

    
      
        
        

      

      
        10EX-10.1

Exhibit 10.1

          SECOND AMENDMENT, dated as of July 21, 2008 (“Second Amendment”), to the AMENDED AND RESTATED
LOAN AND SECURITY AGREEMENT, dated as of September 26, 2007 (as amended, restated, supplemented or
otherwise modified, the “LSA”), among BioScrip Pharmacy Services, Inc. (“Pharmacy Services”),
BioScrip Infusion Services, Inc. (“Infusion Services Inc”), BioScrip Pharmacy (NY), Inc. (“Pharmacy
(NY)”), BioScrip PBM Services, LLC (“PBM Services”), BioScrip Pharmacy, Inc. (“Pharmacy”), Natural
Living, Inc. (“Natural Living”), BioScrip Infusion Services, LLC (“Infusion Services LLC) and
Bradhurst Specialty Pharmacy, Inc. (“Bradhurst”, and together with Pharmacy Services, Infusion
Services Inc, Pharmacy (NY), PBM Services, Pharmacy, Natural Living and Infusion Services LLC, each
a “Borrower” and collectively, jointly and severally, the “Borrowers”), as borrowers, and HFG
Healthco-4 LLC (together with its successors and assigns, the “Lender”), as the lender. Unless
otherwise defined herein, terms in the LSA are used herein as therein defined.

          The Borrowers and the Lender have agreed to amend the LSA on the terms and subject to the
conditions set forth herein.

          Accordingly, in consideration of the foregoing and for other good and valuable consideration,
the receipt and sufficiency of which hereby are acknowledged, and subject to the fulfillment of the
conditions set forth below, the parties hereto agree as follows:

          SECTION 1. AMENDMENTS TO LSA. Effective as of the Effective Date (as defined below), the LSA
is hereby amended as follows:

          1.1. The definition of “Debt/EBITDA Ratio” contained in Exhibit I to the LSA is amended by (i)
deleting clause (x) thereof in its entirety and (ii) replacing therefor the following new clause
(x): “(x) the average Debt of the Borrowers for such fiscal quarter, calculated as the arithmetic
average of all daily balances during such quarter, to”.

          1.2. Section 1.03 of the LSA is hereby amending by adding the following phrase immediately
following the words “proposed Funding Date of such Revolving Advance,” in the third line thereof:

“or if such Revolving Advance is in an amount in excess of $10,000,000, one Business
Day prior to such proposed Funding Date,”

          SECTION 2. CONDITIONS PRECEDENT

          2.1. Effective Date of this Second Amendment. This Second Amendment shall become
effective as of the date (the “Effective Date”) at such time when:

          (a) the Lender shall have received fully executed counterparts of this Second
Amendment; and

          (b) the Lender shall have received, in form and substance reasonably
satisfactory to the Lender fully executed deposit account control agreements from
Bank of America, N.A.

          SECTION 3. MISCELLANEOUS

 

 

          3.1. The Borrowers each hereby certify, represent and warrant that, after giving effect to
this Second Amendment, (i) except as otherwise disclosed in public filings made by the Parent with
the United States Securities and Exchange Commission, the representations and warranties in the LSA
are true and correct, with the same force and effect as if made on such date, except as they may
specifically refer to an earlier date, in which case they were true and correct as of such date,
(ii) no unwaived Default or Event of Default has occurred or is continuing (nor any event that but
for notice or lapse of time or both would constitute a Default or an Event of Default), (iii) each
of the Borrowers has the corporate power and authority to execute and deliver this Second
Amendment, and (iv) no consent of any other person (including, without limitation, shareholders or
creditors of any Borrower), and no action of, or filing with any governmental or public body or
authority is required to authorize, or is otherwise required in connection with the execution and
performance of this Second Amendment, other than, in each case, such that have been obtained.

          3.2. The terms “Agreement”, “hereof”, “herein” and similar terms as used in the LSA shall mean
and refer to, from and after the effectiveness of this Second Amendment, the LSA as amended by this
Second Amendment, and as it may in the future be amended, restated, modified or supplemented from
time to time in accordance with its terms. Except as specifically agreed herein, nothing herein
shall be deemed to be an amendment or waiver of any covenant or agreement contained in the LSA or
any other Document and each of the parties hereto agrees that all of the covenants and agreements
and other provisions contained in the LSA and the other Documents, as amended, waived or otherwise
modified hereof, are hereby ratified and confirmed in all respects and shall remain in full force
and effect in accordance with their terms from and after the date of this Second Amendment.

          3.3. Parent and Chronimed, LLC (f/k/a Chronimed Inc.) each hereby ratifies its Guarantee of
the Guaranteed Obligations (as defined in that certain Amended and Restated Guaranty, effective as
of October 1, 2007, made by Parent and Chronimed, LLC (f/k/a Chronimed Inc.) (the “Guaranty”))
pursuant to the Guaranty and each of the Borrowers, Parent and Chronimed, LLC (f/k/a Chronimed
Inc.) hereby ratifies its grant of a security interest made under the Documents.

          3.4. This Second Amendment shall constitute a Document under the LSA

          3.5. THIS SECOND AMENDMENT SHALL, IN ACCORDANCE WITH SECTION 5-1401 OF THE GENERAL OBLIGATIONS
LAW OF THE STATE OF NEW YORK, BE GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO
ANY CONFLICT OF LAWS PRINCIPLES THEREOF THAT WOULD CALL FOR THE APPLICATION OF THE LAWS OF ANY
OTHER JURISDICTION.

          3.6. The captions in this Second Amendment are for convenience of reference only, are not part
of this Second Amendment and shall not affect the construction of, or be taken into consideration
in interpreting, this Second Amendment.

          3.7. Any provision of this Second Amendment held to be invalid, illegal or unenforceable in
any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such invalidity,
illegality or unenforceability without affecting the validity, legality and enforceability

 

 

of the remaining provisions hereof, and the invalidity of a particular provision in a
particular jurisdiction shall not invalidate such provision in any other jurisdiction.

          3.8. This Second Amendment may be executed in counterparts, each of which when so executed
shall be deemed to be an original and all of which when taken together shall constitute one and the
same agreement.

          3.9. Delivery of an executed counterpart of a signature page by telecopier, .pdf or similar
electronic transmission shall be effective as delivery of a manually executed counterpart.

 

 

          IN WITNESS WHEREOF, the parties hereto have caused this Second Amendment to be executed by
their respective officers thereunto duly authorized, as of the date first above written.

	 	 	 	 	 	 	 	 	 	 	 
	BIOSCRIP INFUSION SERVICES, INC.	 	 	 	BIOSCRIP PHARMACY SERVICES, INC.	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	By:

	 	 	 	 	 	By:	 	 	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 

	 	Name:
	 	 	 	 	 	Name:	 	 
	 

	 	Title:
	 	 	 	 	 	Title:	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	BIOSCRIP PBM SERVICES, LLC	 	 	 	BIOSCRIP PHARMACY (NY), INC.	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	By:

	 	 	 	 	 	By:	 	 	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 

	 	Name:
	 	 	 	 	 	Name:	 	 
	 

	 	Title:
	 	 	 	 	 	Title:	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	NATURAL LIVING, INC.	 	 	 	BIOSCRIP PHARMACY, INC.	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	By:

	 	 	 	 	 	By:	 	 	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 

	 	Name:
	 	 	 	 	 	Name:	 	 
	 

	 	Title:
	 	 	 	 	 	Title:	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	BIOSCRIP INFUSION SERVICES, LLC	 	 	 	BRADHURST SPECIALTY PHARMACY, INC.	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	By:

	 	 	 	 	 	By:	 	 	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 

	 	Name:
	 	 	 	 	 	Name:	 	 
	 

	 	Title:
	 	 	 	 	 	Title:	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	Solely with respect to Section 5.3 hereof:	 	 	 	 	 	 	 	 
	BIOSCRIP, INC.	 	 	 	CHRONIMED, LLC (f/k/a Chronimed Inc.)	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	By:

	 	 	 	 	 	By:	 	 	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 

	 	Name:
	 	 	 	 	 	Name:	 	 
	 

	 	Title:
	 	 	 	 	 	Title:	 	 

 

 

HFG HEALTHCO-4 LLC,

as Lender

By: HFG Healthco-4, Inc., a member

	 	 	 	 	 
	By:
	 	 	 	 
	 

	 	 

	 	 
	 

	 	Name:	 	 
	 

	 	Title:

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