HealthSo u t h Pharmacy Student Loan Program

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1 H E A LT H S O U T H P H A R M AC Y THE RIGHT MEDICINE. THE BEST OUTCOME. HealthSo u t h Pharmacy Student Loan Program

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3 HealthSouth Pharmacy Student Loan Program WOULD YOU LIke TO HAve HeLP PAYING FOR PHARmACY SCHOOL? HOW ABOUT THe ASSURANCe OF A POSITIve WORk experience AFTeR YOU GRADUATe? At HealthSouth, we want to provide you with the opportunity to pursue a rewarding career in pharmacy. Whether you are looking to start pharmacy school, are currently enrolled as a full-time or part-time student or have recently graduated, you could qualify for up to $10,000* in financial assistance through our Pharmacy Student Loan Program. As one of the nation s largest providers of inpatient rehabilitative healthcare services, we know our pharmacy professionals are critical to our success. That s why at HealthSouth, we offer our pharmacists and pharmacy technicians a full range of employment incentives designed to enhance their experiences. Through this program, loan recipients commit to combine their skills with direct patient and family contact in one of HealthSouth s stateof-the-art hospitals for a designated period of time upon graduation. If you are interested in the benefits HealthSouth has to offer and would like to learn more about how your pharmacy skills can translate to a rewarding career opportunity, fill out a HealthSouth Pharmacy Student Loan application today. *The maximum loan amount per pharmacy technician applicant is $5000, pharmacist is $10,000. 1

4 Pharmacy Student Loan Program Guidelines for Applicants In order to be considered, you should submit the following information: Loan Application Loan Agreement or Loan Forgiveness Form Promissory Note Proof of acceptance (new student) OR Recent transcript (active student with GPA to report) OR Final transcript (graduate) Proof of loan debt (graduate only) Two references Loan Approval Form (signed by the Regional President) Once your application materials have been received by the hospital, it will be examined by the loan review committee. Upon preliminary approval, references will be contacted. The loan applicant is responsible for periodically checking on the status of his/her loan paperwork with their Human Resources Director. Upon further approval, your application and other materials will be sent to the Regional President for a signature. In approximately four weeks, you should hear back from the hospital s Student Loan Coordinator. You will then find out whether you were approved for the Pharmacy Student Loan. These documents will then be sent to Corporate Human Resources, along with a check request. This will take approximately four to six weeks for processing. Once a check has been issued, it will be mailed to the sponsoring hospital, where the applicant will sign the appropriate documentation to accept the loan check. Reminder: Please make sure to fill out all of your information completely. Incomplete applications will not be processed. If you have any questions relating to this process, please contact Corporate human resources: Phone: PHARMACYRecruitment@healthsouth.com 2

5 Pharmacy Student Loan Program Eligible Individuals to Apply Full-time or part-time students already enrolled, or accepted for enrollment, in a course of study leading to a degree and license in Pharmacy or certification in pharmacy technician from an accredited educational institution. Full-time employees, part-time employees and per diem employees of the Company returning to school, or wishing to receive a loan to pay back previous school loan debt incurred in the pursuit of their degree as a pharmacist or certification in pharmacy technician from an accredited educational institution. Employees must already be accepted into the applicable clinical program as a full-time or part-time student (part-time students must be consistently enrolled in at least one course per semester until the degree is received). In addition to maintaining a grade point average of 2.5 or higher (4.0 scale), employees must have a level 3 or greater on their performance evaluations. An exception is made in the case that the employee is rated a level 2 as a new employee only. If the employee has a rating of level 2 due to performance issues, he or she is not eligible for the program until the rating becomes a 3. Children of employees of the Company are eligible to apply for the pharmacy student loan program. The children of employees must already be accepted into the applicable clinical program as a full-time or part-time student and must maintain a grade point average of 2.5 or higher (4.0 scale). Graduates of an accredited pharmacy school shall be eligible to apply for the same educational loan amounts to be used for student loan repayment or other scholarship buyout. The same requirements, as outlined in this document, apply to loans for student debt repayment. The student must have graduated with a cumulative grade point average of 2.5 or higher (4.0 scale) in their pharmacy or pharmacy technician program. Proof of loan debt is an additional requirement for graduates; however credit card debt is excluded. Eligible Courses of Study HealthSouth has designated a degree in Pharmacy and a certification as a pharmacy technician as the eligible fields of study for non-employees and employees. Prerequisite courses do not qualify. Multiple Student Loans Employees could be eligible to apply for multiple student loans. The multiple loans cannot be concurrent but can be consecutive. Once the loan obligation is met, then the employee may be eligible to apply for another student loan. (Please note: The same requirements still apply, including sufficient loan debt) Loan Amounts Loan amounts are to be applied only to tuition, books, school supplies, uniforms and other applicable school fees or to pay back existing student loans. Hours Worked Defined Full-time employment shall mean the Applicant works an average of 36 hours per week. Approved paid holiday absences and approved paid time off (PTO) absences are considered hours worked for purposes of this Agreement. Part-time employment shall mean the Applicant works an average of 20 hours per week. Per Diem employment shall mean the Applicant works an average of 8 hours per week averaged over each quarter. Approved paid holiday absences, and approved PTO absences (if applicable) are considered hours worked for purposes of this Agreement. 3

6 Forgiveness of Loan Amount in Exchange for Work Commitment Loans provided to pharmacy student loan recipients will be forgiven if such recipients work for HealthSouth for a designated period of time upon satisfactory completion of the course of study. The work commitment will be with the sponsoring hospital that provides the funds for the loan. The work commitment period will be based on the loan amount awarded and will be equivalent to full-time status hours. These hours will be tracked in PeopleSoft and the employee will be able to view their hours under PeopleSoft Self Service. Quarterly reports will be run on per diem employees to determine if they have worked the appropriate number of hours per week. If an employee doesn t work the appropriate number of hours per week as defined above, they will be in default of the loan. (If the employee didn t work the appropriate number of hours per week because the hospital could not provide enough hours, then the employee will not be affected). The grant of a loan and the work commitment required to satisfy such loan does not create a contract of employment and does not alter the employment at will status of an employee. For employees who receive loans to repay educational debt (Loan Forgiveness Agreement), the work commitment date will begin on the date in which the check is issued by payroll and will continue until the designated period is complete. If recipient is an employee at the time the check is awarded, prior HealthSouth work experience will not be considered for the work commitment. Starting salaries for phamacy student loan recipients will be competitive with salaries for other comparable positions in the field of pharmacy and within the designated area or region of the country. The work commitment period will be based on the loan amount awarded and will be considered complete when the recipient s paid hours reaches the equivalent of one year (2,080 hours) for up to $5,000 awarded or two years (4,160 hours) for $5,001-$10,000 awarded. Loan Agreement Recipients For students who receive educational loans (loan agreement), the work commitment will begin upon satisfactory completion of the course of study, receipt of applicable licensure or certification, and commencement of employment in the designated job title within HealthSouth. Full Time Loan Amount Work Commitment Up to $5,000 Paid hours equivalent to a 1-year period (2,080 hours) $5,001 - $10,000 Paid hours equivalent to a 2-year period (4,160 hours) Part Time/Per Diem Loan Amount Work Commitment Up to $5,000 Paid hours equivalent to a 1-year period (2,080 hours) with a maximum 5-year work commitment $5,001 - $10,000 Paid hours equivalent to a 2-year period (4,160 hours) with a maximum 5-year work commitment A work commitment based on a part-time employee and per diem employee status is available as needed to meet the needs of hospital staffing. See above criteria for part time and per diem pharmacy minimum hour requirements. A part-time work commitment must be approved by the hospital and requires a signed Part-Time Agreement Form. *The maximum loan amount per pharmacy technician applicant is $5,000 and per pharmacy applicant is $10,000. Maintaining Eligibility In order to maintain loan eligibility, recipients must submit their college transcripts, indicating their GPA, and proof of acceptance into the pharmacy or pharmacy technician program to the hospital student loan coordinator annually and must maintain a sufficient GPA of 2.5 or higher (4.0 scale). Recipients must also maintain enrollment in the pharmacy program in order to maintain loan eligibility. If the GPA is not maintained or enrollment in the pharmacy program is terminated for any reason, the terms of the Promissory Note will apply. 4

7 If the employee resigns or is terminated for any reason other than a lay-off or hospital closing, this places the employee in default requiring repayment of the entire loan amount plus interest as reflected in the applicable Promissory Note. An employee who fails to complete the commitment period, but who has worked greater than one half of the hours required by the commitment period, shall receive partial or pro-rated forgiveness of the loan. Budgeting Annual budgets for pharmacy student loans will be established at the hospital level. HealthSouth is not able to guarantee a loan to all eligible applicants. It is within each hospital s discretion whether or how many loans, if any, will be offered each year. Costs associated with these loans will be charged to the awarding hospital at the time the loan payment is made. If the recipient does not satisfy his or her employment obligation to HealthSouth, the terms of the Promissory Note, signed in conjunction with the Pharmacy Student Loan Agreement (or Pharmacy Student Loan Forgiveness), will apply. It will be the responsibility of the awarding hospital to notify Corporate Human Resources that a recipient has defaulted in order for the collection process to begin. Application Process Hospitals will mail application handbooks to interested students or the handbooks may be located on HealthSouth s website ( Hospitals needing to obtain application handbooks should contact Corporate Creative and Print Services. To initiate consideration, the applicant submits the completed HealthSouth application, reference inquiry form, school verification of enrollment and transcript to the student loan coordinator at the hospital. Selection Process Loan applications and accompanying materials will be reviewed by the designated HealthSouth employee(s) at the hospital. Upon preliminary approval of the application, the student loan coordinator at the hospital will request references. A minimum of one academic and one employment reference must be obtained. Candidates without a work history can submit two academic references, or one academic and one personal reference (only one personal reference will be accepted). Once these references are returned and reviewed, the hospital will determine which applicants should receive additional loan consideration. Applications, verification of acceptance or enrollment into a pharmacy or pharmacy technician program, completed reference checks, transcripts, Pharmacy Student Loan Agreement Form, Promissory Note, proof of loan debt (for graduates only; please note: we do not accept credit cards as proof of loan debt), and check request signed by the CEO of the hospital, should be sent to the regional president for approval (please submit the Pharmacy Student Loan Forgiveness Form in place of the Pharmacy Student Loan Agreement Form if you have already completed school). Once approved, please forward to Corporate Human Resources for review. Corporate Human Resources will complete the payment process. Please allow a minimum of four to six weeks to process the check request once all paperwork is received by Corporate. The hospital is responsible for notifying applicants that do not receive final approval from Corporate Human Resources. Payment of Awards Loans will be paid in one check. Payment authorization will be initiated by Corporate Human Resources. The check will be mailed to the hospital to be presented to the applicant and the applicant must sign appropriate documentation to accept the loan check. 5

8 Taxes Once the entire work commitment is complete, the student loan is forgiven. The total loan amount will be added to the employee s W-2 earnings and the employee will be responsible for federal and state income tax associated with this amount. The employer is not liable for withholding the income tax on the amount, but is liable for collecting the social security and medicare. Therefore, after the work commitment is complete, the employee will have social security and medicare taxes due on the forgiven amount. These taxes will be automatically withheld from the employee s paycheck. Again, the federal and state income tax for the employees is not withheld, but rather the employee pays income tax on this amount via their annual federal income tax return. IF YOU HAve questions ReLATING TO THIS PROCeSS, CONTACT CORPORATe HUmAN 6

9 Resources at HealthSouth Pharmacy Student Loan Approval Form NAME OF CANDIDATE: Date: LAST FIRST MIDDLE Employee ID (if applicable): Hospital ID: Student Loan Coordinator/Hospital Contact: Date Approved by Hospital: Regional President Approval: Required Forms and Documentation: Packet will not be processed if incomplete. * Pharmacy Student Loan Application * Promissory Note * Pharmacy Student Loan Agreement (enrolled or accepted) OR Loan Forgiveness Form (graduate) * Proof of Acceptance/Graduation - Copy of Acceptance Letter (if accepted or enrolled but does not have a GPA to report yet) OR - Transcript (if student has completed at least one session of pharmacy or pharmacy technician program with a GPA to report or if a graduate) * Two - three references * Proof of loan debt (graduates only) * Pharmacy Student Loan Approval Form WITH regional president signature (Packet will not be processed at Corporate without regional president signature) * Check request Taxes Once the entire work commitment is complete, the student loan is forgiven. The total loan amount will be added to the employee s W-2 earnings and the employee will be responsible for federal and state income tax associated with this amount. The employer is not liable for withholding the income tax on the amount, but is liable for collecting the social security and Medicare. Therefore, after the work commitment is complete, the employee will have social security and Medicare taxes due on the forgiven amount. These taxes will be automatically withheld from the employee s paycheck. Again, the federal and state income tax for the employees is not withheld, but rather the employee pays income tax on this amount via their annual federal income tax return. By signing, I APPLICANT NAME, acknowledge I have read and understand the terms of the taxation of the loan amount for which I am applying. APPLICANT SIGNATURE 7

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11 HealthSouth Pharmacy Student Loan Application DATE OF APPLICATION: NAME: LAST FIRST MIDDLE DATE OF BIRTH: employee ID #: Month Day YeAR (N/A for non-employees) Are you currently a HealthSouth employee? (If no, please skip to mailing address) o YES o NO EMPLOYMENT STATUS: o FULL-TIME o PART-TIME o PER DIEM Is this the first time you have applied for the loan? o YES If no, when did you receive your first loan? o NO Are you currently a full-time student? o A full-time student o A graduate of pharmacy school o A part-time student Graduation date: / / At which hospital are you currently employed? (Name & ID) NAme hospital # How long have you been employed by HealthSouth? What is your current job title? PERMANENT MAILING ADDRESS STUDENT SCHOOL MAILING ADDRESS Street School Street City City State/Zip State/Zip Telephone ( ) Telephone ( ) Best hours to be reached by telephone Date of Enrollment Length of program Anticipated/actual graduation date Cumulative GPA (Must be documented by transcript to be 2.5 or higher to qualify.) DISCIPLINE: o Pharmacy o Pharmacy technician LIST ALL COLLEGES AND UNIVERSITIES ATTENDED Name of Institution Attended From/To Major Degree Date Awarded 9

12 LIST ANY CERTIFICATE OR LICENSES CURRENTLY HELD Type License/Certification # States LIST ALL PREVIOUS HEALTHCARE TRAINING OR JOB EXPERIENCE From To Name & Location Position Held Supervisor/Instructor Are you currently receiving any financial assistance? o YES If yes, please list type and amount of assistance o NO PLEASE TYPE OR PRINT YOUR RESPONSES TO THE FOLLOWING; USE EXTRA PAPER IF NECESSARY. 1. List and give dates of all academic or civic honors you have received. 2. Briefly describe your long-term and short-term goals. This statement is considered very important in the scholarship grant decision. To complete this application, please submit: 1. Completed application 2. Verification of acceptance or enrollment in accredited program 3. Completed references 4. College transcript(s) 5. Promissory Note 6. Pharmacy Student Loan Agreement Form (or Loan Forgiveness Form) 7. Check Request Form (from sponsoring hospital) 8. Proof of loan debt (for graduates only) 9. Loan Approval Form (signed by regional president) 10

13 HealthSouth Pharmacy Student Loan Program Employment Reference Applicant Name: Name of Reference: Phone: COMPANY: Title: 1. How long did the applicant work for you? From to 2. What was the applicant s position and job duties? 3. Why did the applicant leave? 4. Can the applicant express himself/herself well in speaking and writing? 5. How does the applicant react under pressure? 6. What do you think of the applicant s work habits? 7. Are you aware of any issues that interfered with the applicant s work? 8. What were the applicant s strong points? 9. Would you re-employ? 10. Comments: Signature: Date: 11

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15 HealthSouth Pharmacy Student Loan Program Academic Reference Applicant Name: Name of Reference: Phone: School: Title: 1. In what capacity have you been associated with the applicant? During what time period? to 2. Please rate the applicant s academic performance based on your association with him/her. o Excellent o Good o Fair o Poor 3. How do you rate the applicant s communication abilities? 4. How does the applicant react under pressure? 5. What do you think of the applicant s work habits? 6. What are the applicant s academic strong points? 7. In what areas does the applicant need improvement? 8. Do you recommend this applicant for scholarship consideration? ostrongly recommend o Recommend o Undecided o Do not recommend 9. Comments: Signature: Date: 13

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17 HealthSouth Pharmacy Student Loan Program Personal Reference Applicant Name: Name of Reference: Phone: 1. In what capacity have you been associated with the applicant? During what time period? to 2. How do you rate the applicant s communication abilities? 3. How does the applicant react under pressure? 4. What are the applicant s strong points? 5. In what areas does the applicant need improvement? 6. Do you recommend this applicant for scholarship consideration? ostrongly recommend o Recommend oundecided o Do not recommend 7. Comments: Signature: Date: (This form is only to be used when employment references are unavailable.) 15

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19 Promissory Note $, 20 Birmingham, Alabama FOR VALUE RECEIVED, the undersigned, (the Borrower ), promises to pay to the order of HealthSouth Corporation, a Delaware corporation (the Lender ), the principal amount of $ THOUSAND and 00/100 DOLLARS ($.00), with no interest assessed thereon. 1. Promise to Repay. The Borrower promises to repay the amount of the debt owed under this Promissory Note (the Note ) in accordance with the terms of that certain Loan Agreement (the Agreement ) dated, 20, executed contemporaneously with this Note. 2. Manner and Place of Payment. All payments hereunder shall be made in lawful money of the United States of America in immediately available funds at the main office of the Lender at 3660 Grandview Parkway, Suite 200, Birmingham, Alabama Attention: Human Resources/Loan Program, or such other place as the Lender or any subsequent holder may from time to time designate to the Borrower in writing. 3. Prepayment Privilege. This Note may be prepaid in whole or in part, at any time, without penalty or premium. 4. Events of Default. All indebtedness due under this Note and any and all other indebtedness of Borrower to Lender shall become due and payable immediately and forthwith, without demand, notice of acceleration of maturity, notice of intent to accelerate, notice of nonpayment, presentment, protest, notice of dishonor or dishonor, all of which are hereby expressly waived by Borrower in the event of any of the following: (a) if any payment of indebtedness evidenced by this Note is not paid when due; (b) if Borrower becomes bankrupt or insolvent (however such insolvency may be evidenced); (c) if any governmental authority or any court takes possession of any substantial part of the property of, or assumes control over the affairs of, or a receiver is appointed or takes possession of the property of Borrower; (d) if any indebtedness to Lender for which Borrower is liable is not paid when due or becomes due and payable by acceleration of maturity thereof; (e) if any event or condition occurs which permits the Lender to declare it due and payable upon the lapse of time, giving of notice or otherwise; or (f) if a default occurs under any instrument now or hereafter executed as security for this Note. 5. Collection Costs. In the event this Note is not paid promptly when due, the Borrower agrees to pay the reasonable fees and all other costs of collection of any attorney at law who may be employed to recover the amount hereof, or any part hereof, or to protect the interest of the holder hereof, or to compromise or to take other action in regard hereto. 6. Amendment; Parties Bound. This Note may not be changed orally, but only by an agreement in writing signed by the party against whom enforcement of any waiver, change, modification or discharge is sought. As used herein, the terms Borrower and Lender shall be deemed to include their respective heirs, legal representatives, successors and assigns, as the case may be, whether by voluntary action of the parties or involuntary by operation of law. 7. Notices. All notices required or permitted hereunder shall be deemed to have been duly given or made if hand-delivered, or delivered by overnight courier, charges prepaid, or by certified mail, return receipt requested, and properly addressed to the respective party to whom such notice relates at the address set forth below or to such other address as the parties may designate from time to time in accordance with this Note: 17

20 If to Lender: (hospital address) (MUST FILL IN BLANKS) Attention: If to Borrower: (student/employee address) (MUST FILL IN BLANKS) 8. Set-Off. Borrower acknowledges and agrees that Lender may withhold, set-off, or retain any amounts owed by the Lender to the Borrower (as salary, wages, or otherwise) to pay all or part of this Note. 9. Governing Law. This Note shall be construed and enforced under the laws of the State of Alabama without giving effect to any conflict-of-laws principles. The parties hereby incorporate herein any provision required by law to make this Note valid and enforceable in accordance with its terms, but only to the limited extend required to make this Note valid and enforceable in accordance with its terms. 10. Entirety. This Note and Loan Agreement embody the entire agreement between the parties with respect to the debt owed by the Borrower and supersede all prior agreements and understandings thereof. IN WITNESS WHEREOF, the Borrower has executed this Note as of the day and year first above written. Signature Printed Name 18

21 Pharmacy Student Loan Agreement Full-Time Work Commitment Agreement AGREEMENT, dated as of the day of, 20, by and between HealthSouth Corporation, a Delaware corporation, and/or any subsidiary, affiliate, partner or other related business entity (together, HealthSouth ), and, an individual resident of the State of (the Applicant ). W I T N E S S E T H: WHEREAS, HealthSouth is engaged in the business of operating comprehensive inpatient rehabilitation facilities and other rehabilitation businesses on a nationwide basis; WHEREAS, the Applicant is (or has been accepted to be) a student at (the School ), enrolled in its program (the Program ); WHEREAS, following graduation, the Applicant intends to practice as a and desires to work for HealthSouth; and WHEREAS, HealthSouth desires to loan the Applicant money for use for certain educational expenses associated with the tuition as a student in the School s Program, subject to all terms and conditions herein, with the anticipation that HealthSouth may offer the Applicant employment as a following graduation from the School. NOW, THEREFORE, in consideration of the payments made by HealthSouth to the Applicant, the mutual promises and covenants herein contained and other good and valuable consideration, the receipt, adequacy and sufficiency of which are hereby acknowledged, HealthSouth and the Applicant hereby agree as follows: 1. Loan for Educational Purpose. Upon the necessary approval and execution by all parties of this Agreement, HealthSouth agrees to loan $ to the Applicant pursuant to that certain promissory note, of even date herewith (the Promissory Note ). Such loan proceeds shall be used by the Applicant only for tuition and similar educational expenses, all of which are required to be, and have been, pre-authorized by HealthSouth. The Applicant agrees to deliver to HealthSouth written proof of the Applicant s acceptance and/or enrollment in the School s Program prior to receiving the monies described herein or at any time upon request. 2. Employment. Following graduation, if HealthSouth makes an offer to Applicant of full-time employment as a with HealthSouth, in any facility that is owned or managed by HealthSouth, Applicant agrees to accept such offer. Such employment, if offered, shall be on an at will basis, and nothing contained in this Agreement or otherwise shall create, or be construed to create, a contract of employment between the parties for any term, or on any condition, other than on an at will basis. Further, nothing in this Agreement shall be construed as a guarantee of any number of working hours even if employed. If offered, such employment shall be contingent upon satisfactory completion of HealthSouth s employment screening process, including but not limited to a public source background inquiry, Applicant s proof of authorization to work in the United States, and acceptable results of a drug screen. Such employment also shall be contingent upon the Applicant s completion of the requirements to become a and Applicant s obtaining all required licenses to work as a within 90 days following any such employment. 19

22 3. Loan Forgiveness. So long as all other terms and conditions of this Agreement are met and so long as the Applicant is offered, accepts and thereafter maintains full-time employment (as defined below) with HealthSouth as a, throughout the Commitment Period (as defined below), HealthSouth shall forgive all amounts due from the Applicant pursuant to the Promissory Note. Full-time employment shall mean that the Applicant works an average of 36 hours per week. Approved paid holiday absences and approved PTO absences are considered hours worked for purposes of this Agreement. If such employment is offered, the Applicant commits to work for HealthSouth on a full-time basis a total of hours measured forward from the first day of employment as a (the Commitment Period). Any hours worked for HealthSouth before working for it in the position of shall not count towards fulfillment of the Commitment Period. An Applicant who fails to complete at least one half of the Commitment Period required to pay off the loan shall reimburse HealthSouth in an amount equal to the Promissory Note plus interest at a rate determined by HealthSouth. An Applicant who has worked greater than one half of the hours required by the Commitment Period shall receive partial or pro-rated forgiveness of the loan. If a full-time Applicant decreases the number of hours worked such that the required hours are not met, the Applicant will be in default of the loan unless HealthSouth, in order to meet a business need, approves the transfer of such Applicant to a part-time or per diem position in advance of such default. In the event of such an approved transfer from a full-time to a part-time or per diem position, the remaining balance of the number of hours required to satisfy the Commitment Period defined above must still be worked in order to satisfy requirements of the loan. In such instance, HealthSouth may require that an addendum to this Agreement be executed setting forth the number of required hours per week (as determined by HealthSouth) and the remaining number of hours required to be worked in order to satisfy the loan. 4. Tax Consequences of Loan Forgiveness. The Applicant acknowledges that any forgiveness of the loan amount will be considered income to the Applicant for which the Applicant may owe taxes, and HealthSouth shall report such forgiveness as income to the Applicant to all appropriate federal, state and local taxing authorities. The Applicant agrees to pay all taxes due on such forgiveness income and to indemnify HealthSouth from any and all liability, including reasonable attorneys fees, resulting from the Applicant s failure to pay any such taxes. HealthSouth shall have the right to withhold amounts from the Applicant s salary or wages to pay such taxes. 5. Obligation to Pay. The Applicant acknowledges that the Applicant is obligated to pay all amounts due under the Promissory Note if, at any time, the Applicant fails to meet any of the terms and conditions contained in this Agreement and Promissory Note, and that HealthSouth s agreements not to require payment of the Promissory Note or to forgive indebtedness due pursuant to the Promissory Note, are strictly limited to the exact terms and conditions contained in this Agreement. Notwithstanding anything else to the contrary contained in this Agreement or the Promissory Note, and without otherwise limiting HealthSouth s rights to require payment of all amounts due under the Promissory Note as set forth in this Agreement, HealthSouth shall have the right to require immediate payment of all amounts due under the Promissory Note if the Applicant: (a) fails to maintain, and/or to provide Health- South with satisfactory evidence (such as a certified transcript) of, a grade point average grade of 2.5/4.0 or better (or, in the case of pass/fail classes, maintain and/or provide written evidence of passing grades); (b) fails to diligently and continuously pursue studies in the Program on a full-time or part-time basis at the School; (c) fails to successfully complete the Program for which the loan has been issued and/or fails to provide satisfactory proof of such completion (such as a certified transcript or diploma) (d) fails to be offered employment (or continued employment) by HealthSouth, fails to pass HealthSouth s employment screening process, and /or fails to obtain any required licenses necessary for the position at issue; (e) fails to begin and/or continue employment with HealthSouth pursuant to Sections 2 and herein; or (f) terminates his or her employment with HealthSouth, or is terminated by HealthSouth for any reason other than a lay-off or hospital closure. 20

23 Notwithstanding anything to the contrary contained herein or in the Promissory Note, HealthSouth and Applicant agree that HealthSouth shall have the right to withhold, offset or retain amounts due the Applicant, as salary, wage or otherwise, to satisfy any debts due HealthSouth from the Applicant. 6. Notices. Any notice required or permitted hereunder shall be deemed to have been duly given or made if hand delivered or delivered by overnight courier, or certified mail, return receipt requested, charges prepaid and properly addressed, to the respective party to whom such notice relates at the following address: If to HealthSouth: Attention: or such other address as HealthSouth may provide; If to the Applicant: or, during the term of the Applicant s employment by HealthSouth, at the HealthSouth hospital at which the Applicant is employed. 7. Jurisdiction and Venue. This Agreement and the Promissory Note will be construed and enforced under the laws of the State of Alabama without giving effect to any conflict-of-laws principles and without regard to the Applicant s state of residence. Applicant also specifically agrees and consents to jurisdiction and venue in Alabama, agrees that Alabama has appropriate personal and subject matter jurisdiction over the Applicant and submits thereto, agrees that Alabama is a proper venue for any action to enforce this Agreement and waives any defense of improper venue or lack of jurisdiction related thereto. Applicant agrees and understands that any litigation resulting from the breach of the terms and conditions of this Agreement and/or the Promissory Note by the Applicant or HealthSouth or any litigation brought to enforce this Agreement and/or the Promissory Note by any party shall be litigated only in the State of Alabama, which Applicant agrees shall be the sole forum and venue for any such litigation. Notwithstanding the above, any judgment arising out of litigation in Alabama based on this Agreement and/or Promissory Note may be enforced or domesticated in any appropriate court in any other appropriate state if necessary to enforce or collect on said judgment. 8. Entire Agreement. This Agreement and the Promissory Note embody the entire agreement between the parties and supercede all prior agreements, oral or written, or subsequent agreements not in writing and signed by the Applicant and a duly authorized officer of HealthSouth. This Agreement and/or Promissory Note also supercede all other communications between the parties relating to the subject matter of this Agreement. Neither this Agreement nor the Promissory Note shall be modified or amended except by mutual written agreement signed by the Applicant and a duly authorized officer of HealthSouth. 21

24 9. No Waiver. The Applicant agrees and understands that HealthSouth s failure to enforce any of the terms or conditions herein or to exercise any right or privilege, or HealthSouth s waiver of any breach under this Agreement and/or Promissory Note shall not be construed to be a waiver of any other terms, conditions, or privileges, subsequent or otherwise, whether of a similar or different type. No delay or omission by HealthSouth to exercise any right, power or remedy shall be construed to be a waiver by HealthSouth of any breach or default or acquiescence therein. 10. No Additional Inducement. The Applicant declares and represents that no promise, inducement, or agreement not herein expressed has been made to Applicant and that the terms of this Agreement and the Promissory Note are contractual and not mere recitals. 11. No Rule of Construction. The parties acknowledge that this Agreement and the Promissory Note were initially prepared by HealthSouth solely as a convenience and that the parties have cooperated in the negotiation, drafting, and preparation of this Agreement and the Promissory Note. All parties have read, fully understand, and have had the availability of negotiation of this Agreement, the Promissory Note and their terms. Hence, no rule of construction shall apply to this Agreement or the Promissory Note and it shall not be construed against any party on the basis of authorship. 12. No Assignments. The Applicant agrees and understands that this Agreement and the Promissory Note are exclusive to the Applicant and may not be assigned by the Applicant to any other person or entity. 13. Incorporation of Laws. The parties hereby incorporate herein any provision required by federal, state or local law to make this Agreement and/or the Promissory Note valid and enforceable in accordance with their terms. 14. Understanding of Terms. The parties represent and warrant that they have read the foregoing Agreement and the Promissory Note in their entirety and fully understand and agree to all of their terms. IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written. HEALTHSOUTH: Hospital Name: By: CEO STUDENT: Signature Printed Name 22

25 Pharmacy Loan Agreement for Forgiveness of Debt Full-Time Work Commitment Agreement *Complete if you have already received your degree and are no longer in school* AGREEMENT, dated as of the day of, 20, by and between HealthSouth Corporation, a Delaware corporation, and/or any subsidiary, affiliate, partner or other related business entity (together, HealthSouth ), and, an individual resident of the State of (the Applicant ). W I T N E S S E T H: WHEREAS, HealthSouth is engaged in the business of operating comprehensive inpatient rehabilitation hospitals and other rehabilitation businesses; WHEREAS, the Applicant has successfully completed the (circle one) pharmacy/pharmacy technician program (the Program ) at (the School ) on ; WHEREAS, the Applicant intends to practice as a (circle one) pharmacist/pharmacy technician and desires to work for HealthSouth; and WHEREAS, HealthSouth desires to assist the Applicant with tuition and other educational expenses Applicant incurred while enrolled at the School, subject to all terms and conditions herein. NOW, THEREFORE, in consideration of the payments made by HealthSouth to the Applicant, the mutual promises and covenants herein contained and other good and valuable consideration, the receipt, adequacy and sufficiency of which are hereby acknowledged, HealthSouth and the Applicant hereby agree as follows: 1. Loan for Educational Purpose. Upon the necessary approval and execution by all parties of this Agreement, HealthSouth agrees to loan $ to the Applicant pursuant to that certain promissory note, of even date herewith (the Promissory Note ), which is incorporated by reference and made part of this Agreement. Such loan proceeds shall be used by the Applicant only to repay tuition and similar educational expenses Applicant incurred while successfully completing the Program at the School and which the Applicant still owes. The Applicant agrees to deliver to HealthSouth written proof of the Applicant s successful completion of the Program (including transcripts) and proof of educational debt related to such program prior to receiving the monies described herein or at any time upon request. 2. Employment. Applicant s employment shall be on an at will basis, and nothing contained in this Agreement or otherwise shall create, or be construed to create, a contract of employment between the parties for any term, or on any condition, other than on an at will basis. Likewise, nothing contained in this Agreement shall create, or be construed to create, an obligation by HealthSouth to provide Applicant with any guaranteed amount of working hours. 3. Loan Forgiveness. If the Applicant maintains full-time employment (as defined below) with HealthSouth as a, throughout the Commitment Period (as defined below), Health- South shall forgive all amounts due from the Applicant pursuant to the Promissory Note. Full-time employment shall mean the Applicant works an average of 36 hours per week. Approved paid holiday absences and approved PTO absences are considered hours worked for purposes of this Agreement. The Applicant commits to work for HealthSouth on a full time basis a total of hours measured forward from the date the loan check is issued (the Commitment Period ). Any hours worked before the date that the loan check is issued do not count toward fulfillment of the Commitment Period. 23

26 An Applicant who fails to complete at least one half of the Commitment Period required to pay off the loan shall reimburse HealthSouth in an amount equal to the Promissory Note plus interest at a rate determined by HealthSouth. An Applicant who fails to complete the Commitment Period, but who has worked greater than one half of the hours required by the Commitment Period shall receive partial or pro-rated forgiveness of the loan. If a full-time Applicant decreases the number of hours worked such that the required hours are not met, the Applicant will be in default of the loan unless HealthSouth, in order to meet a business need, approves the transfer of such Applicant to a part-time or per diem position in advance of such default. In the event of such an approved transfer from a full time to a part time or per diem position, the remaining balance of the number of hours required to satisfy the Commitment Period defined above must still be worked in order to satisfy requirements of the loan. In such instance, HealthSouth may require that an addendum to this Agreement be executed setting forth the number of required hours per week (as determined by HealthSouth) and the remaining number of hours required to be worked in order to satisfy the loan. 4. Tax Consequences of Loan Forgiveness. The Applicant acknowledges and agrees that any forgiveness of the loan will be considered income to the Applicant for which the Applicant may owe taxes, and HealthSouth shall report such forgiveness as income to the Applicant to all appropriate federal, state and local taxing authorities. The Applicant agrees to pay all taxes due on such forgiveness income and to indemnify HealthSouth from any and all liability, including reasonable attorneys fees, resulting from the Applicant s failure to pay any such taxes. HealthSouth shall have the right to withhold amounts from the Applicant s salary or wages to pay such taxes. 5. Obligation to Pay. The Applicant acknowledges that the Applicant is obligated to pay all amounts due under the Promissory Note if, at any time, the Applicant fails to meet any of the terms and conditions contained in this Agreement and Promissory Note, and that the conditions required to forgive indebtedness due pursuant to the Promissory Note, are strictly limited to the exact terms and conditions contained in this Agreement. Notwithstanding anything else to the contrary contained in this Agreement or the Promissory Note, and without otherwise limiting HealthSouth s rights to require payment of all amounts due under the Promissory Note as set forth in this Agreement, HealthSouth shall have the right to require immediate payment of all amounts due under the Promissory Note if the Applicant: (a) fails to obtain all required licenses to work as a within 90 days from the date of employment or fails to maintain all required licenses throughout the Commitment Period; (b) fails to begin and/or continue employment with HealthSouth in accordance with terms contained herein; or (c) terminates his or her employment with HealthSouth, or is terminated by HealthSouth for any reason, other than a lay-off as a result of a reduction in force or hospital closing, prior to the expiration and fulfillment of the Commitment Period. Notwithstanding anything to the contrary contained herein or in the Promissory Note, HealthSouth and Applicant agree that HealthSouth shall have the right to withhold, offset or retain amounts due the Applicant, as salary, wage or otherwise, to satisfy any debts due HealthSouth from the Applicant. 24

27 6. Notices. Any notice required or permitted hereunder shall be deemed to have been duly given or made if hand delivered or delivered by overnight courier, or certified mail, return receipt requested, charges prepaid and properly addressed, to the respective party to whom such notice relates at the following address: If to HealthSouth: Attention: or such other address as HealthSouth may provide; If to the Applicant: or, during the term of the Applicant s employment by HealthSouth, at the HealthSouth hospital at which the Applicant is employed. 7. Jurisdiction and Venue. This Agreement and the Promissory Note will be construed and enforced under the laws of the State of Alabama without giving effect to any conflict-of-laws principles and without regard to the Applicant s state of residence. Applicant also specifically agrees and consents to jurisdiction and venue in Alabama, agrees that Alabama has appropriate personal and subject matter jurisdiction over the Applicant and submits thereto, agrees that Alabama is a proper venue for any action to enforce this Agreement and waives any defense of improper venue or lack of jurisdiction related thereto. Applicant agrees and understands that any litigation resulting from the breach of the terms and conditions of this Agreement and/or the Promissory Note by the Applicant or HealthSouth or any litigation brought to enforce this Agreement and/or the Promissory Note by any party shall be litigated only in the State of Alabama, which Applicant agrees shall be the sole forum and venue for any such litigation. Notwithstanding the above, any judgment arising out of litigation in Alabama based on this Agreement and/or Promissory Note may be enforced or domesticated in any appropriate court in any other appropriate state if necessary to enforce or collect on said judgment. 8. Entire Agreement. This Agreement and the Promissory Note, which is adopted and incorporated herein, embody the entire agreement between the parties and supercede all prior agreements, oral or written, or subsequent agreements not in writing and signed by the Applicant and a duly authorized officer of HealthSouth. This Agreement and/or Promissory Note also supercede all other communications between the parties relating to the subject matter of this Agreement. Neither this Agreement nor the Promissory Note shall be modified or amended except by mutual written agreement signed by the Applicant and a duly authorized officer of HealthSouth. 9. No Waiver. The Applicant agrees and understands that HealthSouth s failure to enforce any of the terms or conditions herein or to exercise any right or privilege, or HealthSouth s waiver of any breach under this Agreement and/or Promissory Note shall not be construed to be a waiver of any other terms, conditions, or privileges, subsequent or otherwise, whether of a similar or different type. No delay or omission by HealthSouth to exercise any right, power or remedy shall be construed to be a waiver by HealthSouth of any breach or default or acquiescence therein. 25

28 10. No Additional Inducement. The Applicant declares and represents that no promise, inducement, or agreement not herein expressed has been made to Applicant and that the terms of this Agreement and the Promissory Note are contractual and not mere recitals. 11. No Rule of Construction. The parties acknowledge that this Agreement and the Promissory Note were initially prepared by HealthSouth solely as a convenience and that the parties have cooperated in the negotiation, drafting, and preparation of this Agreement and the Promissory Note. All parties have read, fully understand, and have had the availability of negotiation of this Agreement, the Promissory Note and their terms. Hence, no rule of construction shall apply to this Agreement or the Promissory Note and it shall not be construed against any party on the basis of authorship. 12. No Assignments. The Applicant agrees and understands that this Agreement and the Promissory Note are exclusive to the Applicant and may not be assigned by the Applicant to any other person or entity. 13. Incorporation of Laws. The parties hereby incorporate herein any provision required by federal, state or local law to make this Agreement and/or the Promissory Note valid and enforceable in accordance with their terms. 14. Understanding of Terms. The parties represent and warrant that they have read the foregoing Agreement and the Promissory Note in their entirety and fully understand and agree to all of their terms. IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written. HEALTHSOUTH: Hospital Name: By: CEO STUDENT: Signature Printed Name 26

29 Pharmacy Loan Agreement for Forgiveness of Debt PART-TIME or PER DIEM Work Commitment Agreement *Complete if you have already received your degree and are no longer in school* AGREEMENT, dated as of the day of, 20, by and between Health- South Corporation, a Delaware corporation, and/or any subsidiary, affiliate, partner or other related business entity (together, HealthSouth ), and, an individual resident of the State of (the Applicant ). W I T N E S S E T H: WHEREAS, HealthSouth is engaged in the business of operating comprehensive inpatient rehabilitation hospitals and other rehabilitation businesses; WHEREAS, the Applicant has successfully completed the (circle one) pharmacy/pharmacy technician program (the Program ) at (the School ) on ; WHEREAS, the Applicant intends to practice as a (circle one) pharmacist/pharmacy technician and desires to work for HealthSouth; and WHEREAS, HealthSouth desires to assist the Applicant with tuition and other educational expenses Applicant incurred while enrolled at the School, subject to all terms and conditions herein. NOW, THEREFORE, in consideration of the payments made by HealthSouth to the Applicant, the mutual promises and covenants herein contained and other good and valuable consideration, the receipt, adequacy and sufficiency of which are hereby acknowledged, HealthSouth and the Applicant hereby agree as follows: 1. Loan for Educational Purpose. Upon the necessary approval and execution by all parties of this Agreement, HealthSouth agrees to loan $ to the Applicant pursuant to that certain promissory note, of even date herewith (the Promissory Note ), which is incorporated by reference and made part of this Agreement. Such loan proceeds shall be used by the Applicant only to repay tuition and similar educational expenses Applicant incurred while successfully completing the Program at the School and which the Applicant still owes. The Applicant agrees to deliver to HealthSouth written proof of the Applicant s successful completion of the Program (including transcripts) and proof of educational debt related to such program prior to receiving the monies described herein or at any time upon request. 2. Employment. Applicant s employment shall be on an at will basis, and nothing contained in this Agreement or otherwise shall create, or be construed to create, a contract of employment between the parties for any term, or on any condition, other than on an at will basis. Likewise, nothing contained in this Agreement shall create, or be construed to create, an obligation by HealthSouth to provide Applicant with any guaranteed amount of working hours. 3. Loan Forgiveness. If the Applicant maintains part-time or per diem employment (as defined below) with HealthSouth as a, each quarter throughout the Commitment Period (as defined below), HealthSouth shall forgive all amounts due from the Applicant pursuant to the Promissory Note. Part-time employment shall mean the Applicant works an average of 20 hours per week. Per diem employment shall mean the Applicant works an average of 16 hours per week averaged over each quarter. Approved paid holiday absences and PTO absences (if applicable) are considered hours worked for purposes of this Agreement. The Applicant commits to work for HealthSouth on a (circle one) part-time or per diem basis a total of hours measured forward from the date the loan check is issued (the Commitment Period ). 27

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