3. Health insurance/human resources consultant agreement

Contingency Compensation. Some carriers, vendors, or third parties may pay contingency compensation for business that AFG may place with them. Such contingency compensation does not alter or increase the cost of the services that AFG is brokering or performing on behalf of Client, and thus does not increase the costs that Client pays for the provision of such services. Therefore, in addition to any fees described above, AFG shall be entitled to any contingency compensation resulting from its work on behalf of Client irrespective of any other provisions elected under this Agreement. Commissions. Some carriers, vendors, or third parties may pay commissions for the types of services provided by AFG. Any commissions paid by such entities are often already factored into the cost of the services (e.g. rates) that AFG is brokering or performing on behalf of Client, and thus often do not increase the costs that client pays for the provision of such services. Therefore, in addition to any fees or contingency compensation described above, AFG shall be entitled to any commissions resulting from its work on behalf of Client, unless Client and AFG shall specifically agree to some other arrangement in writing, or unless Client checks the following box: Client does not want AFG to receive commissions for some or any (circle one) of the services AFG may provide or broker under this Agreement, regardless of whether such commissions increase the cost of the services provided or brokered. If for some only, please indicate the specific limitations for accepting commissions below: 5. Payment: Client shall pay any fee(s) assessed by AFG in connection with AFG's performance under this Agreement prior to AFG performing any work for the invoiced period. Client shall pay any fees invoiced by AFG no later than 30 days after receiving an invoice from AFG. Client can make payment of fees by either of the two following methods (Client should indicate which payment option it prefers): Direct Wire Transfer* Traditional Invoicing (While AFG prefers that Client pay via Direct Wire Transfer, Client may select whichever option it prefers. Clients choosing the Direct Wire Transfer option will be provided with a payment confirmation each time a transfer is made.) 6. Agreement Term and Termination: The compensation provided for in this Agreement shall be deemed fully earned as of the time this Agreement is signed by the Parties, irrespective of when it is actually invoiced or paid. This Agreement will automatically renew on an annualized basis from the date Client signs the Agreement, and any compensation for any renewal periods shall be deemed fully earned for that renewal period as of the date of renewal. Unless agreed upon in writing by the Parties, the terms of this Agreement shall remain the same upon automatic renewal, except that the fees described above shall increase by 3% annually. Either Party may seek to terminate this Agreement in the event of a material breach of this Agreement. However, before doing so, the Party seeking to terminate the Agreement must provide the other Party with at least thirty (30) days notice in writing of the material breach. Upon receipt of such written notice of material breach, the responding Party shall have thirty (30) days to cure the material breach. 2 Copyright 2008 by Associated Financial Group, LLC