0000701869-04-000003 Sample Contracts

AMENDMENT NO. 1 TO RETIREMENT BENEFIT AGREEMENT
Retirement Benefit Agreement • March 30th, 2004 • Independence Holding Co • Life insurance

The Amendment No. 1 dated December 20, 2002, to the Retirement Benefit Agreement between Independence Holding Company and Mr. Roy T.K.Thung dated September 30, 1991 (the "Agreement"). For good and valuable consideration, the parties hereto agree as follows:

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