Physicians Health Services Inc – Material Contracts – BamSEC

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from 8-K ~5 pages Amendment #1 to Agreement and Plan of Merger

from 10-K ~20 pages Ipa Service Agreement - Heritage Individual

from 10-K ~20 pages Ipa Service Agreement - Fairfield Individual

from 10-K ~20 pages Gbipa Service Agreement

from 10-K ~20 pages Amended and Restated Reinsurance Agrmt, Dtd 10/01/96

from 10-K ~20 pages Amended & Restated Reinsurance Agrmt, Dtd 10/01/96

from 10-K ~20 pages Amended & Restated Reinsurance Agrmt

from 10-K ~20 pages Reinsurance Agreement

from 10-K ~50 pages Amended & Restated Mrktg & Svcs Agrmt, Dtd 10/01/96

from 10-K ~20 pages Amended & Restated Mrktg & Svcs Agrmt, Dtd 10/01/96

from 10-K ~20 pages Amended & Restated Mrktg & Svcs Agrmt, Dtd 10/01/96

from 10-K ~20 pages Agreement of Sale

from 10-K ~20 pages Amended and Restated 1995 Stock Option Plan

from 10-Q ~5 pages Employment Agreement of Michael Herbert

from 10-Q ~5 pages Employment Agreement of Robert Natt

from 10-Q 1 page Agreement Bet. Guardian Life & Physicians Health

from 10-Q ~5 pages Amendment to Reinsurance Agreement

from 10-Q ~50 pages Reinsurance Agreement

from 10-Q ~20 pages Reinsurance Agreement