VHGI HOLDINGS, INC. - FORM 8-K - EX-10.2

file	filename
8-K - VHGI HOLDINGS, INC. - VHGI HOLDINGS, INC.	vhgi8k070212.htm
EX-10.1 - VHGI HOLDINGS, INC.	vhgi8kex101070212.htm
EX-10.3 - VHGI HOLDINGS, INC.	vhgi8kex103070212.htm

Exhibit 10.2

VHGI HOLDINGS, INC. - FORM 8-K - EX-10.2 - July 2, 2012