ACBG and its subsidiaries offer a long-term employee health and productivity risk management solution for its contractor Members. When you place your insurance with ACBG, you become an owner of the company and you share risk with the other contractor Members. Therefore, your commitment to placing insurance with ACBG and to implementing the various risk management strategies developed through CRMS should be viewed as a long-term commitment.

COMMITMENT

The following is a list of ACBG Member requirements at present:

> Purchase of common stock in a total amount of $75,000 when the commitment is made.

> Placement of business for first three years. 
  
> Commitment to achieve a 10% underwriting margin on net premiums to the Company.  

> During the fourth, fifth, and sixth years, business must be placed with the Company or a maintenance fee of 2.5% of the simple average of the sum of the Class B Member's Total Annual Medical Costs paid or accrued for the first three Captive Policy Years will be assessed.

> After six years, there are no further obligations to purchase insurance. 

> There are penalties for default, primarily 50% reduction in equity interest. 

> Participants are subject to calls for pro rata capital contributions.