Bnl Financial Corp Watch

from 10-Q 2 pages Lyndon A. Smith, President Sally Dwyer, Executive Vice President Epsi Benefits, Inc. 2180 N. Loop West, #400 Houston, Texas 77018 Re: Letter Agreement Regarding Epsi Benefits, Inc. Convertible Debenture Dated July 25, 2001

from 8-K 4 pages Lyndon A. Smith, President Sally Dwyer, Executive Vice President Epsi Benefits, Inc. 2180 N. Loop West, #400 Houston, Texas 77018 Re: Letter Agreement Regarding Epsi Benefits, Inc. Convertible Debenture Dated July 25, 2001

from 10-K 16 pages Virtual Item Processing Systems, Inc. 2525 Northwest Expressway, #105 Oklahoma City, Oklahoma 73112 Outsourcing Agreement Between Virtual Item Processing Systems, Inc. and Brokers National Life Assurance Company E - 4 Outsourcing Agreement

from 10-K 3 pages This Debenture Has Been Acquired for Investment and Has Not Been Registered Under Thesecurities Act of 1933, as Amended or the Securities Laws of Any State. Without Such Registration, This Debenture May Not Be Sold, Pledged, or Otherwise Transferred, Except on the Opinion of Counsel That Registration Is Not Required for the Transfer, or Such Other Evidence That the Transfer Is Not in Violation of the Securities Act of 1933 or Any Applicable State Securities Laws. Epsi Benefits, Inc. Convertible Debenture

from 10-K 6 pages Marketing Services Agreement

from 10-K 19 pages Whereas, Landlord and Tenant Wish to Enter Into This Lease on the Terms and Conditions Hereinafter Set Forth; Now, Therefore, in Consideration of the Foregoing, and the Mutual Covenants and Agreements Contained in This Lease, Landlord and Tenant Hereby Agree as Follows: Tenant Hereby Leases the Leased Premises (As Hereinafter Defined) From Landlord and Landlord Hereby Leases the Leased Premises to Tenant Upon, and Subject To, the Terms and Conditions Hereinafter Set Forth in This Lease. 1. Basic Lease Provisions and Definitions. in Addition to Other Terms Defined in This Lease, the Following Terms Whenever Used in This Lease With the First Letter of Each Word Capitalized Shall Have Only the Meanings Set Forth in This Article, Unless Such Meanings Are Expressly Modified, Limited or Expanded Elsewhere Herein

from 10-K 11 pages Claim Services Agreement This Agreement Is Made as of the First Day of June 1, 1999 Between: Brokers National Life Assurance Company (An Arkansas Corporation) (Hereinafter Referred to as “Brokers”) and Employer Plan Services, Inc. (A Texas Corporation) (Hereinafter Referred to as “Epsi”) This Agreement, Together With Any Schedules and Exhibits Attached or Referenced Within This Agreement and Any Amendments to the Agreement, Constitute the Entire Agreement Between Brokers and Epsi. E-4