<PAGE>   1
                                                                    Exhibit 10.1


                               SERVICE AGREEMENT


        This is an Agreement for Services [the "Agreement"], dated 23 December,
1996 and is between, the ["Client"] Nu-Wave Health Products, Inc., whose address
is 5905-A Hampton Oaks Parkway, Tampa, Florida 33610, and Nations Staffing,
Inc., with offices at 7557 Ulmerton Road, [Suite D], Largo, Florida, 33771
["NSI"].

1.      TERM OF AGREEMENT

   A.   The initial term of this Agreement shall be one year [the "Initial
        Term"].  Following the completion of the Initial Term, this agreement
        shall remain in full force and effect from year to year until either
        party gives written notice to the other party by delivering notice as
        specified in Section 11K, below, at least thirty [30] days prior to the
        effective date of intended termination.  In addition, NSI may at any
        time immediately terminate this Agreement in the event of breach by the
        Client of any of the terms of this Agreement or upon the occurrence of
        any of the events set forth in Section 6C or 11E, below.

2.      SERVICES

    A.  NSI agrees to furnish to Client employees to perform job functions
        identified by workers' compensation code classifications.  Client
        warrants that the list of workers' compensation classification is
        accurate and complete, that employees performing these job functions do
        so at the location specified in this Agreement as Client's address.
        client understands and agrees that prior written approval from NSI
        workers' compensation carrier must be obtained prior to the addition of
        any worker's compensation classification or location to this Agreement.

    B.  Client expressly agrees and understands that no employee shall become
        employed by NSI, covered by NSI workers' compensation insurance or any
        other benefit or term and condition of employment or issued a payroll
        check, unless the individual has, prior to commencing work for NSI,
        completed NSI's employment application, W-4 withholding form, and form
        I-9, all of which must be delivered to NSI before the employee commences
        employment.  NSI shall not be considered an employer for any employee
        until that individual completes these forms and Client is notified
        that the employee has been hired by NSI as a leased employee.  In
        addition, NSI shall not be considered to be an employer of any
        individual for whom payroll information is not supplied during any
        payroll period [except as may be required by law].  Client assumes full
        responsibility for workers' compensation claims of other Parties hired
        by or working for Client, whether as an employee, independent
        contractor, or in any other status.

   C.   NSI shall have sufficient authority so as to maintain a right of
        direction and control over leased employees assigned to Client's
        location, and shall retain authority to hire, terminate, discipline and
        reassign employees.  Client shall, however, retain such sufficient
        direction and control over the leased employees as is necessary to
        conduct Client's business and without which Client would be unable to
        conduct its business, discharge any fiduciary responsibility that it
        may have, or comply with any applicable licensure, regulatory, or
<PAGE>   2
        statutory requirement of Client.  Additionally, NSI assumes
        responsibility for the payment of wages to the leased employees without
        regard to payments by Client to NSI and NSI assumes full responsibility
        for the payment of payroll taxes and collection of taxes from payroll on
        leased employees.  NSI will give written notice of the relationship
        between NSI and Client to each leased employee it assigns to perform
        services for Client.  NSI does not assume any responsibility for, and
        makes no assurances, warranties, or guarantees as to the ability or
        competence of any leased employee.

   D.   Client agrees to provide all facilities, supplies, equipment, and all
        other necessary items that may be required by employees to perform their
        employees service.

3.      SERVICE NOT PROVIDED

   A.   NSI will only provide the services provided for herein and no other
        services shall be provided or implied, including without limitation any
        strategic, operational or other business related decisions with regard
        to Client's business.  Such decisions shall exclusively be the
        responsibility of Client and NSI shall bear no responsibility nor
        liability for any actions or inactions by Client.  When implementing
        such decisions, whether or not the actions are implemented by leased
        employees, Client shall be acting solely on its own volition and
        responsibility.  If NSI is leasing any supervisory employees to Client,
        such supervisory employee's scope of employment is strictly limited.
        Supervisor's actions which are in violation of law or which result in
        liability will be outside the scope of their responsibility as NSI's
        leased employees and in such an event supervisory employees will be
        acting solely as the agents of Client.

4.      WORKERS' COMPENSATION

   A.   NSI shall secure workers' compensation coverage in such amounts as is
        required by applicable law and shall be responsible for the management
        of workers' compensation claims, claims filings and related procedures
        for its leased employees for services which they perform as leased
        employees.

   B.   While NSI shall retain a right of direction and control over the
        management of safety, risk and hazard control involving leased employees
        performing work at Client work sites, as may be required by applicable
        state and federal laws, compliance with all applicable laws related to
        such matters is a responsibility of Client.  Client acknowledges that it
        is responsible to maintain a safe working environment, provide proper
        training in compliance with state and federal OSHA standards, and
        establish and maintain such safety programs, safety policies, and safety
        committees as may be required by law or by NSI.  NSI shall provide such
        assistance and maintain such responsibility for performing safety
        inspections of Client equipment and premises and assistance and
        responsibility for the promulgation and administration of employment and
        safety policies as is required by applicable law; however, Client
        acknowledges that NSI in either providing or not providing such
        assistance and responsibility


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<PAGE>   3
     assumes no liability. Client further agrees to comply with NSI's workers'
     compensation managed care arrangement, workers' compensation light duty
     requirements and shall comply with such Drug Free Workplace Act policies,
     if any, as may be implemented by NSI.

  C. Client represents that its working environment, equipment, machinery,
     supplies and training for existing employees currently meet all state and
     federal OSHA standards and that they will be maintained in compliance with
     such standards during the duration of the Agreement. Client shall provide
     and ensure use of all personal protection gear and equipment, as required
     by law, or as deemed necessary of NSI or NSI's workers' compensation
     carrier.

5.   BENEFIT PLANS

  A. The Client acknowledges that NSI has available employee benefit plans for
     the possible application to employees. Any other employee benefit plans
     maintained by the Client, regardless of whether they provide benefits to
     the employees, shall be the sole responsibility of the Client, including
     responsibility for complying with provisions of the Internal Revenue Code
     of 1986 [the code], relating to such plans.

  B. NSI agrees to assume responsibility for the current COBRA participants on
     Client's group health plan in effect as of the effective date of the
     Agreement [current COBRA participants], who have all been listed by Client
     on Exhibit B, provided such current COBRA participants were eligible for
     coverage under Client's plan in accordance with federal law. Client agrees
     that upon termination of the Agreement, should Client at any time obtain
     any form of group employee benefit coverage from an insurance carrier,
     another employee leasing company/professional employer or otherwise, which
     will provide group health insurance coverage to any of the employees,
     Client will assume full responsibility for the continuation of coverage
     under COBRA for the current COBRA participants in addition to any employees
     who may elect COBRA coverage under NSI's plans during the term of this
     Agreement, for the remainder of their COBRA eligibility period.

6.   FEES & DEPOSITS

  A. For services to be rendered under this Agreement, NSI shall be entitled to
     a fee. Said fee to be paid at the end of each pay period and shall be
     calculated by multiplying the billing factors in Exhibit A by the gross
     amount of all wages and/or earnings for the employees covered by the
     agreement during each pay period. All funds due NSI [including but not
     limited to payroll, payroll taxes and administrative fees] are payable in
     immediately negotiable funds [wire transfers or cashiers check] to NSI
     prior to issuance of payroll checks each pay period. Should the Client
     require additional services not included in this Agreement, the fee for any
     such additional services shall be negotiated and paid separately The
     billing factors and related fees set forth in Exhibit A are subject to
     adjustment by NSI based upon changes in local, state and/or federal
     employment law, changes in insurance requirement, or worker's compensation
     classifications, or costs or changes in the Client's payroll.  Upon written

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<PAGE>   4
     notification to the Client from NSI of a billing factor, or fee adjustment,
     the Client shall have the right to terminate this Agreement by giving
     notice or termination to NSI within seven [7] days of receipt from N.S.I.
     of notice of a fee adjustment, and after payment of all accrued fees by
     Client within this seven [7] day period.

  B. Prior to the commencement of the First Pay Period [1/1/97], Client will
     deposit with NSI the amounts of $0 [one months medical insurance premium]
     and $418 [one months workers' compensation insurance premium] for a total
     deposit of $418. Said amount to be applied to the final invoice upon
     termination of this agreement.

  C. If for any reason whatsoever payment is not timely submitted to NSI for its
     services in accordance with this contract, or the payment received is
     unable to be immediately negotiated, it will be considered a material
     breach of contract and NSI shall have the sole right to immediately
     terminate this Agreement, and shall be entitled to bring suit seeking
     applicable damages. NSI, in its sole discretion, may waive this breach on
     one or more occasions. By doing so, NSI in no way waives its ongoing rights
     under this paragraph.

  D. In the event of a default by Client under this Agreement, NSI shall have
     the right as attorney-in-fact to file such instruments as it deems
     necessary in its sole discretion and without recourse by Client, against
     the assets of Client, which filing shall be terminated upon Client's
     satisfaction of its obligation hereunder.

  E. A late payment charge of one and one-half percent [1 1/2%] will be added to
     all accounts not paid when due. Checks returned unpaid from Client's bank
     will be subject to the late payment charge plus any additional costs
     incurred by NSI. An unpaid balance will also be subject to periodic charge
     of one and one-half percent [1 1/2%] per calender month [or such lesser
     interest amount if set by applicable law at a lower amount] until paid in
     full.

7.   INDEMNIFICATIONS

  A. Client will provide proof of comprehensive general liability insurance
     coverage of its operations and all employees, with a minimum limit of
     liability no less than one million [$1,000,000.00] dollars per occurrence.
     If any leased employee will operate a vehicle owned or otherwise of any
     kind for Client, Client shall furnish liability insurance therefor against
     uninsured motorists, each with a minimum limit of liability no less than
     one million [$1,000,000.00] dollars. Such policies shall also include
     blanket collateral liability and personal injury liability coverage. In
     addition, if professional employees are leased, professional liability
     coverage will be secured and maintained by Client with a limit of liability
     of no less than one million [$1,000,000.00] dollars. Client agrees, at its
     own expense, to include N.S.I. as an additional named insured on all of
     Client's insurance policies, including without limitation professional
     liability policies and fidelity bonds. Client shall at the request of NSI
     deliver to NSI a certificate evidencing such insurance and the agreement
     [s] of the insurer [s] that such insurance may not be canceled without
     twenty [20] days prior notice to 


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<PAGE>   5

     NSI. Any protection against the dishonest or criminal conduct or
     misappropriation of any funds engaged in by any employee maintained
     hereunder, such as fidelity bonding, shall be at Client's expense. All
     insurance policies shall waive Client's subrogation rights in favor of
     NSI. Client's obligation under this Section shall survive termination of
     this Agreement.

B.   Client hereby unconditionally indemnifies, holds harmless, protects and
     defends NSI, and all subsidiary, affiliate and parent companies, their
     shareholders, non-leased employees, attorneys, officers, directors, agents
     and representatives from any and all claims, demands, damages [including
     punitive and compensatory], injuries, deaths, actions, costs and expenses
     [including attorney's fees and expenses at all levels of proceedings],
     losses and liabilities of whatever nature [including liability to third
     parties], and other consequences of any sort, including but not limited to:

     1. Actions or incidents [whether actual or alleged] by Client, or any
     leased or non-leased employee, of negligence, other tortious conduct,
     breach of contract, criminal or dishonest activity, those actions or
     incidents covered by all liability policies, professional liability
     policies, and fidelity bonds as set forth in Section 7A, those costs
     attendant to the administration of any collective bargaining agreement,
     and any liabilities or claims against NSI arising out of any non payment
     or payment to or participation in a labor organization's health and
     welfare retirement or other benefit fund, including the cessation of
     payment thereto or withdraw from participation therein.

     2. Employment-related matters which shall encompass matters arising under
     local, state and/or federal right-to-know laws, environmental laws, OSHA,
     EEOC, ADA, [including without limitation those relating to employment,
     public access and public accommodation], WARN, ERISA, all laws governing
     wages and hours [including without limitation: prevailing wage rate;
     exempt and non exempt status; child labor; and minimum wage and overtime
     matters], NLRB laws, disclosed and undisclosed benefit plans, all other
     labor laws;

     3. Any and all other laws, regulations and ordinances, or causes of action
     arising out of, occasioned by, or in connection with any obligations of
     either party arising out of this Agreement, including without limitation
     those arising from products or services [professional or otherwise]
     produced or provided by the employees;

     4. Any matter relating to Client's use of any leased employee including
     the use of the Client's [or any employee, if such employee is acting or
     alleged to be acting on behalf of the Client or NSI] machinery,
     facilities, equipment and/or vehicles, whether leased, rented, borrowed or
     owned;

     5. Injuries occurring to any individual performing work for Client while
     not performing work as a leased employee, and for such acts of negligence
     towards any employee as are beyond the coverage of the workers'
     compensation coverage.


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  C.     Client agrees that, notwithstanding any other provision of this
         Agreement, that access to any property, whether real, appurtenant, or
         personal, as well as the accommodation of said property to any person
         who may be handicapped or disabled, or perceived as being handicapped
         or disabled, over which real or personal property the Client has
         ownership, administration, maintenance or some other control, shall be
         the sole and exclusive responsibility of the Client. Client agrees to
         indemnify, hold harmless and defend NSI, and all subsidiary, affiliate
         and parent companies, their shareholders, non-leased employees,
         attorneys, officers, directors, agents and representatives, from and
         against any and all claims, demands, damages, injuries, deaths,
         actions, costs and expenses [including attorney's fees and expenses at
         all levels of proceedings], losses and liabilities of whatever nature
         [including liability to third parties], and other consequences of any
         sort arising out of the Client's obligations set forth herein.

  D.     Client acknowledges that it will receive the bulk of the economic
         benefits arising out of its business and that, therefore, it is fair
         and reasonable that it, rather than NSI, should bear the risks of its
         business as set forth above.

  E.     All indemnifications shall survive the termination of this Agreement.


8.       GOVERNMENT INVESTIGATIONS / LEGAL ACTIONS / INQUIRIES

  A.     Client acknowledges that it is essential to NSI's performance under
         this Agreement that NSI have complete knowledge of any government
         investigation or inquiry or private adversary action which could in any
         manner impact upon the types of duties contemplated by this Agreement.
         For example, but not by limitation, an audit by the Bureau of Workers'
         Compensation could affect the performance of functions under this
         Agreement. Thus, Client hereby makes complete and full disclosure of
         any such administrative proceeding [including but not limited to EEOC,
         NLRB, OSHA, or Wage and Hour matters], investigation, lawsuit, or other
         adversary proceeding, including those which are threatened as well as
         those not yet asserted, in which Client has been involved during the
         last five [5] years.

  B.     NSI shall not be considered to be an employer of leased employees for
         purposes of claims of discrimination involving disability, race, sex,
         sexual harassment, religion, color, age, national origin, marital
         status, veteran status, retaliation, or any other claim pursuant to any
         local, state or federal law regulation, or ordinance unless the action
         is taken by Client in compliance with a written corporate NSI policy,
         procedure or NSI corporate direction, which is illegal under any
         applicable local, state or federal law.


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9.     CLIENT OBLIGATIONS AND RIGHTS

       A.     Client has the right to accept or cancel the assignment of any
              leased employee.  Client agrees that in making such decisions it
              will at all times comply with all applicable laws.  Client
              further agrees that it will at all times comply with the Family
              and Medical Leave Act and Client's responsibilities to reinstate
              employees and in all other manner to comply with the Family and
              Medical Leave Act shall survive termination of this Agreement.

       B.     Client agrees that it will obtain and provide to NSI at the end
              of each pay period records of actual time worked by each
              employee, verify their exempt or nonexempt status and that all
              hours worked by employees that are reported to NSI are accurate
              and are in accordance with the requirements of the Fair Labor
              Standards Act and other laws administered by the U.S. Department
              of Labor's Wage and Hour Division and any applicable state law.
              These records submitted to NSI shall become the basis for NSI to
              issue all payroll checks.  NSI shall not be responsible for
              incorrect, improper or fraudulent records of hours worked, or for
              improper determination of exempt status.  Should Client fail to
              meet the processing and payment schedule, the delivery of payroll
              checks by NSI will be delayed and an out of cycle processing
              charge could be billed to Client at NSI's option.  Similarly, any
              changes to the hours reported to NSI after the reporting time
              could be subject to an out of cycle check charge at NSI's option.

10.    EFFECT OF TERMINATION

       A.     If for any reason payment is not made when due, Client agrees
              that NSI will have the right to immediately terminate its
              performance hereunder and bring suit seeking damages.  Upon
              termination of this Agreement, for any reason, or should Client
              fail to timely pay NSI for its services, all the employees shall
              be deemed to have been laid off by NSI and immediate notification
              of this shall be provided by Client to employees who had been
              leased pursuant to this Agreement.  Client shall immediately
              assume all federal, state and local obligations of an employer to
              the employees which are not in conflict with state or federal
              law, and shall immediately assume full responsibility for
              providing workers' compensation coverage.  NSI shall immediately
              be released from such obligations as are permitted by law.  It is
              the intent of the parties that, where allowed by law, they be
              placed in their respective positions immediately before their
              entry into this Agreement in the event of a termination or
              Client's failure to pay NSI.  If for any reason [whether or not
              required by applicable law] NSI makes any payment to any of the
              employees after this Agreement has been terminated, NSI shall be
              entitled to full reimbursement for such expenditures.


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II.      GENERAL PROVISIONS

   A.    Client acknowledges that it has not been induced to enter into this
         Agreement by any representation or warranty not set forth in this
         Agreement including but not limited to any statement made by any
         marketing agent of NSI. Client acknowledges that NSI has made no
         representation concerning whether NSI services will improve the
         performance of Client's business.

   B.    Client acknowledges that NSI shall not be liable for any Client loss
         of business, good will, profits or other damages. 

   C.    Client specifically authorizes NSI to conduct a credit and background
         reference check on Client and such officers of Clients and NSI deems
         appropriate in compliance with the requirements of law. 

   D.    Client may not assign this Agreement nor its rights and duties
         hereunder, nor any interest herein, without the prior written consent
         of NSI. Any attempt by Client to assign any of its rights, duties or
         obligations which arise under this Agreement without such consent will
         be void and shall constitute cause for NSI to terminate this
         Agreement. 

   E.    This Agreement may be terminated by NSI if, at any time, the Client
         breaches any terms of this Agreement. NSI may also terminate this
         Agreement if, at any time, NSI, in its sole discrection, determines
         that a material adverse change has occurred in the financial condition
         of the Client, or that the Client is unable to pay its debts as they
         become due in the ordinary course of business. This Agreement may also
         be terminated, upon fourteen day's notice by NSI, in the event of any
         federal or state legislation, regulatory action, or judicial decision
         which, in the sole discretion of NSI, adversely affects its interest
         under this Agreement. 

   F.    Client acknowledges and agrees that NSI is not engaged in the
         practices of law or the provision of legal service, and that Client
         alone is completely and independently responsible for its own legal
         rights and obligations. 

   G.    This Agreement constitutes the entire agreement between the parties
         with regard to this subject matter and supersedes all existing
         agreements and all other oral, written or other communications between
         them concerning its subject matter. No other agreement, statement,
         promise or practice between the parties relating to the subject matter
         shall be binding on the parties. This Agreement may be changed only by
         a written amendment signed by both parties. 

   H.    Failure by either party at any time to require strict performance by
         the other party or to claim a breach of any provision of this
         Agreement will not be construed as a waiver of any subsequent breach
         or default nor affect the effectiveness of this Agreement, or any part
         thereof, or prejudice either party as regards to any subsequent action
         at law or equity. 




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<PAGE>   9
I.   This Agreement shall be governed by and construed in accordance with the
     laws of the State of Florida [excluding the laws of Florida relating to
     conflicts of laws of different jurisdictions] and venue shall be in the
     applicable court in Pinellas County, Florida. Client hereby irrevocably
     consents to be subject to the jurisdiction of the courts in the State of
     Florida pertaining to any case or controversy arising out of or relating to
     this agreement.

J.   In the event of any lawsuit or other proceeding to enforce the provisions
     of this Agreement, the prevailing party shall be entitled to an award of
     its costs and reasonable attorney's fees incurred at all levels of
     proceedings.

K.   Any notice or demand given hereunder shall be accomplished by the personal
     delivery in writing [with written receipt] or by other delivery with proof
     of delivery or attempted delivery to the address set forth herein for the
     other party, and shall be deemed effective upon proof of attempted delivery
     [actual delivery to be made as soon as is practicable following attempted
     delivery].

L.   No rights of any third party are created by this Agreement and no person
     not a party to this Agreement may rely on any aspect of this Agreement
     notwithstanding any representation, written or oral, to the contrary.

M.   Client agrees it will comply with the Worker Adjustment and Retraining
     Notification Act ["WARN"] and that it will give NSI at least sixty-two
     [62] days notice prior to effecting any plant closing or mass lay-off as
     defined in WARN.

N.   In the event that any provision contained in this Agreement is held to be
     invalid, illegal, or unenforceable by a court of competent jurisdiction,
     the validity, legality, or enforceability of the remainder of this
     Agreement shall in no way be affected or impaired thereby.

O.   NSI will notify all employees of this Agreement at inception and
     termination of Agreement. Client shall also immediately upon termination of
     this Agreement notify all employees of the termination of this Agreement
     and inform them that they are no longer covered by NSI's worker's
     compensation policy.

P.   This Agreement shall be valid and enforceable only upon signature by an
     authorized Controlling Person of NSI.

Q.   The termination of this Agreement shall not relieve Client of any
     obligation set forth herein, including but not limited to its payment
     obligations to NSI.

R.   The headings in this Agreement are intended for convenience or reference
     and shall not affect its interpretation.



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IN WITNESS HEREOF, the parties have hereunto set their hand on the date written
below.

NATIONS STAFFING, INC.                                     CLIENT
----------------------                                     ------

Approved:                                    Signed: /s/ Kotha S. Sekharam
         -----------------------------               ---------------------------

Name: David B. Stroyan                       Name: Kotha S. Sekharam
     ---------------------------------            ------------------------------
             [Type or Print]                              [Type or Print]

Title: President                             Title: President
      --------------------------------             -----------------------------

Date:                                        Date: December 23, 1996
     ---------------------------------            ------------------------------

THIS AGREEMENT SHALL BECOME EFFECTIVE UPON BEING SIGNED BY AN AUTHORIZED
CONTROLLING PERSON OR NATIONS STAFFING, INC. NATIONS STAFFING, INC. MARKETING
AGENTS DO NOT HAVE THE AUTHORITY TO BIND NATIONS STAFFING, INC.



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                                   EXHIBIT A

<TABLE>
------------------------------------------------------------------------------
<S>                                <C>
Client Name                        Nu-Wave
------------------------------------------------------------------------------
Address                            5905-A Hampton Oaks Parkway Tampa, FL 33610
------------------------------------------------------------------------------
Telephone                          (813)628-0804
------------------------------------------------------------------------------
Fax                                (813)612-9604
------------------------------------------------------------------------------
Contact                            Dr. Kotha S. Sekharam
------------------------------------------------------------------------------

Pay Period Frequency               Weekly

------------------------------------------------------------------------------
First Pay Period Begins            1 Jan 1997
------------------------------------------------------------------------------
Pay Period Ends                    3 Jan 1997 (Friday)
------------------------------------------------------------------------------
Checks Dated                       3 Jan 1997 report on 2 Jan (Thurs.)
------------------------------------------------------------------------------
Benefits Effective                 N/A
------------------------------------------------------------------------------
</TABLE>

The above Billing Factors, Fees and Deposits are based on information given to
Nations Staffing, Inc. by Client adjustments will be made if corrections are
needed. Plus a fixed admin. fee of $600 per month or $138.50 per week, so long
as total wages remain at or below $400,000 annualized.

<TABLE>
-----------------------------------
<S>           <C>             <C>
W/C Codes      4,825          8,810
-----------------------------------
Billing
Factors       114.96         111.71
-----------------------------------
</TABLE>

The above billing factors will be charged on gross wages.

The Client will also pay Nations Staffing, Inc. the following fees:

An ENROLLMENT FEE of $25.00 per employee initially converted and $15.00 for
each employee subsequently added to NSI's payroll system. The total initial
set up fee is $250.

A DELIVERY FEE of $10.00 for each delivery of payroll checks and related
documents including replacement or omitted checks.  


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                                   EXHIBIT B

The following individuals are the current COBRA participants on our existing
group health plan:

<TABLE>
<CAPTION>
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          Name                Address
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<S>       <C>                 <C>
 1
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 2
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 3
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 4
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 5
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 6
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 7
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 8
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 9
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10
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</TABLE>

If none, so state here: none
                       ------------

By: /s/ Kotha S. Sekharam   Date:      12/23/96
   -----------------------       -------------------