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                                                                   Exhibit 10.34
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NORWEST BANK IOWA,
NATIONAL ASSOCIATION                                          CREDIT AGREEMENT
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THIS AGREEMENT (the "Agreement") dated as of December 23, 1999 (the "Effective
Date") is between Norwest Bank Iowa, National Association (the "Bank") and
Patient Infosystems, Inc. (the "Borrower").

BACKGROUND

The Borrower has asked the Bank to provide a line of credit to be used for
general business purposes.

The Bank is agreeable to meeting the Borrower's request, provided that the
Borrower agrees to the terms and conditions of this Agreement. The Revolving
Note, this Agreement, and all "Security Documents" described in Exhibit A may
collectively be referred to as the "Documents."

In consideration of the promises contained in this Agreement, the Borrower and
the Bank agree as follows:

1.       LINE OF CREDIT

1.1      LINE OF CREDIT AMOUNT. During the Line Availability Period defined
         below, the Bank agrees to provide a revolving line of credit (the
         "Line") to the Borrower. Outstanding amounts under the Line will not,
         at any one time, exceed ONE MILLION FIVE HUNDRED THOUSAND DOLLARS AND
         00/100 DOLLARS ($1,500,000.00).

1.2      LINE AVAILABILITY PERIOD. The "Line Availability Period" will mean the
         period of time from the Effective Date or the date on which all
         conditions precedent described in this Agreement have been met,
         whichever is earlier, through and including March 31, 2001 (the "Line
         Expiration Date").

1.3      ADVANCES. The Borrower's obligation to repay advances made under the
         Line will be evidenced by a single promissory note (the "Revolving
         Note") dated as of the Effective Date and in form and content
         acceptable to the Bank. Reference is made to the Revolving Note for
         interest rate and repayment terms.

2.       EXPENSES

2.1      ORIGINATION FEE. The Borrower shall pay to the Bank an origination fee
         of $2,500.00, which shall be paid at closing, and which shall be deemed
         to be earned upon payment by the Borrower.

2.2      DOCUMENTATION EXPENSE. The Borrower agrees to reimburse the Bank for
         its reasonable expenses relating to the preparation of the Documents
         and any possible future amendments to the Documents, which
         reimbursement may include, but shall not be limited to, reimbursement
         of reasonable attorneys' fees, including the allocated costs of the
         Bank's in-house counsel. Despite such reimbursement the Borrower
         acknowledges that the Bank's counsel is engaged solely to represent the
         Bank and does not represent the Borrower.

2.3      COLLECTION EXPENSES. In the event the Borrower fails to pay the Bank
         any amounts due under this Agreement or under the Documents, the
         Borrower will pay all costs of collection, including reasonable
         attorneys' fees and legal expenses incurred by the Bank.

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3.       DISBURSEMENTS AND PAYMENTS

3.1      REQUESTS FOR ADVANCES. Any Line advance permitted under this Agreement
         must be requested by telephone or in a writing delivered to the Bank
         (or transmitted via facsimile) by any person reasonably believed by the
         Bank to be an authorized officer of the Borrower. The Bank will not
         consider any such request if there is an event which is, or with notice
         or the lapse of time would be, an event of default under this
         Agreement. Proceeds will be deposited into the Borrower's account at
         the Bank or disbursed in such other manner as the parties agree.

3.2      INTEREST RATE OPTION BASED ON LIBOR. In addition to interest rates
         based on the Base Rate Option defined in the Revolving Note, the
         Borrower may elect to fix a rate of interest for an agreed upon period
         of time and principal amount agreeable to the Bank and Borrower based
         upon the margin stated in the Revolving Note and at an interest rate
         derived from the current LIBOR rate available to the Bank on national
         or international money markets for a similar time period and dollar
         amount.

         In order to elect the LIBOR Rate Option, as defined in the Revolving
         Note, the Borrower must request a quote from the Bank two days prior to
         funding. This request must designate an amount (the "LIBOR Rate
         Portion") and a period (the "LIBOR Interest Period"). The LIBOR Rate
         Portion must be at least $100,000 and the LIBOR Interest Period will be
         for 30, 60 or 90 days or such other period to which the parties may
         agree. The Bank shall not be obligated to provide a LIBOR rate quote if
         it determines that no deposits with an amount and maturity equal to
         those for which a quotation has been requested are available to it in
         the London interbank market. The Borrower must orally accept a quote
         when received or it will be deemed rejected. If accepted, the LIBOR
         Rate Option will remain in effect for the LIBOR Interest Period
         specified in the quote. At the end of each LIBOR Interest Period the
         principal amount subject to the LIBOR Rate Option shall bear interest
         at the Base Rate Option (as defined in the Revolving Note).

3.3      PAYMENTS. All principal, interest and fees due under the Documents
         shall be paid in immediately available funds as contracted in this
         Agreement and no later than the payment due date set forth in the
         statement mailed to the Borrower by the Bank. Should a payment come due
         on a day other than a day on which the Bank is open for substantially
         all of its business (a "Banking Day", except as otherwise provided),
         then the payment shall be made no later than the next Banking Day. For
         amounts bearing interest at the LIBOR Rate (if any) a Banking Day is a
         day on which the Bank is open for substantially all of its business and
         on which dealings in U.S. dollar deposits are carried on in the London
         interbank market.

4.       SECURITY

         All amounts due under this Agreement and the Documents will be secured
         as provided in Exhibit A. The Borrower also hereby grants the Bank a
         security interest (independent of the Bank's right of set-off) in its
         deposit accounts at the Bank and in any other debt obligations of the
         Bank to the Borrower.

5.       CONDITIONS PRECEDENT

         The Borrower must deliver to the Bank the documents described in
         Exhibit A, properly executed and in form and content acceptable to the
         Bank, prior to the Bank's initial advance or disbursement under this
         Agreement.


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6.       REPRESENTATIONS AND WARRANTIES

         To induce the Bank to enter into this Agreement, the Borrower, to the
         best of its knowledge and upon due inquiry, makes the representations
         and warranties contained in Exhibit B. Each request for an advance
         under this Agreement constitutes a reaffirmation of these
         representations and warranties.

7.       COVENANTS

         During the time period that credit is available under this Agreement,
         and thereafter until all amounts due under the Documents are paid in
         full, unless the Bank shall otherwise agree in writing, the Borrower
         agrees to:

7.1      FINANCIAL INFORMATION

(a)      ANNUAL FINANCIAL STATEMENTS. Provide the Bank within 120 days of the
         Borrower's fiscal year end, the Borrower's annual audited financial
         statements.

(b)      NOTICES. Provide the Bank prompt written notice of (1) any event which
         has or might after the passage of time or the giving of notice, or
         both, constitute an event of default under the Documents, or (2) any
         event that would cause the representations and warranties contained in
         this Agreement to be untrue.

(c)      ADDITIONAL INFORMATION. Provide the Bank with such other information as
         it may reasonably request, and permit the Bank to visit and inspect its
         properties and examine its books and records.

7.2      OTHER COVENANTS

(a)      NATURE OF BUSINESS. Refrain from engaging in any line of business
         materially different from that presently engaged in by the Borrower.

(b)      BOOKS AND RECORDS. Maintain adequate books and records and refrain from
         making any material changes in its accounting procedures whether for
         tax purposes or otherwise.

(c)      COMPLIANCE WITH LAWS. Comply in all material respects with all laws
         applicable to its business and the ownership of its property.

(d)      PRESERVATION OF RIGHTS. Maintain and preserve all rights, privileges,
         charters and franchises it now has, excluding sale of assets in the
         ordinary course of business and the loss of a management contract with
         independent physicians.

         These covenants were negotiated by the Bank and Borrower based on
         information provided to the Bank by the Borrower. A breach of a
         covenant is an indication that the risk of the transaction has
         increased. As consideration for any waiver or modification of these
         covenants, the Bank may require: additional collateral, guaranties or
         other credit support; higher fees or interest rates; and possible
         modifications to the Documents and the monitoring of the Agreement. The
         waiver or modification of any covenant that has been violated by the
         Borrower will be made in the sole discretion of the Bank. These options
         do not limit the Bank's right to exercise its rights under Section 8 of
         this Agreement.



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8.       EVENTS OF DEFAULT AND REMEDIES

8.1      DEFAULT

         Upon the occurrence of any one or more of the following events of
         default, or at any time afterward unless the default has been cured,
         the Bank may declare the Line to be terminated and in its discretion
         accelerate and declare the unpaid principal, accrued interest and all
         other amounts payable under the Revolving Note to be immediately due
         and payable:

(a)      Default by the Borrower in the payment when due of any principal or
         interest due under the Revolving Note and continuance for twenty (20)
         days.

(b)      Default by the Borrower in the observance or performance of any
         covenant or agreement contained in this Agreement, and continuance for
         more than twenty (20) days.

(c)      Default by the Borrower in the observance or performance of any
         covenant or agreement contained in the Documents, or any of them,
         excluding this Agreement, after giving effect to any applicable grace
         period.

(d)      Default by the Borrower in an amount exceeding $100,000.00 in any
         agreement with the Bank or any other lender that relates to
         indebtedness or contingent liabilities which would allow the maturity
         of such indebtedness to be accelerated.

(e)      Any representation or warranty made by the Borrower to the Bank in this
         Agreement, or in any financial statement or report submitted to the
         Bank by or on behalf of the Borrower or by or on behalf of the
         Guarantor before or after the Effective Date is untrue or misleading in
         any material respect.

(f)      Any litigation or governmental proceeding against the Borrower seeking
         an amount that would have a material adverse effect on the Borrower or
         the Borrower's operations and which is not insured or subject to
         indemnity by a solvent third party either 1) results in a judgment
         equal to or in excess of that amount against the Borrower or 2) remains
         unresolved on the 270th day following its filing.

(g)      A garnishment, levy or writ of attachment, or any local, state, or
         federal notice of tax lien or levy is served upon the Bank for the
         attachment of property of the Borrower in the Bank's possession or
         indebtedness owed to the Borrower by the Bank.

(h)      The Guarantor dies or becomes insolvent or is the subject of a
         voluntary or involuntary petition under the United States Bankruptcy
         Code, or the Guarantor is in default with respect to any liabilities or
         indebtedness owed to the Bank which would permit the Bank to accelerate
         his indebtedness.

(i)      The issuer of any one of the Standby L/Cs described in Exhibit A is
         placed into receivership by the FDIC or advises the Bank that it
         intends to repudiate its obligations to the Bank under the Standby L/C
         issued by it.

8.2      IMMEDIATE DEFAULT

         If, with or without the Borrower's consent, a custodian, trustee or
         receiver is appointed for any of the Borrower's properties, or if a
         petition is filed by or against the Borrower under the United States
         Bankruptcy Code, then the Line shall immediately terminate and the
         unpaid principal, accrued interest and all other amounts payable under
         the Revolving Note and the Documents will become immediately due and
         payable without notice or demand.


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9.       MISCELLANEOUS

(a)      360 DAY YEAR. All interest and fees due under this Agreement will be
         calculated on the basis of actual days elapsed in a 360 day year.

(b)      GAAP. Except as otherwise stated in this Agreement, all financial
         information provided to the Bank and all calculations for compliance
         with financial covenants will be made using generally accepted
         accounting principles consistently applied ("GAAP").

(c)      NO WAIVER; CUMULATIVE REMEDIES. No failure or delay by the Bank in
         exercising any rights under this Agreement shall be deemed a waiver of
         those rights. The remedies provided for in the Agreement are cumulative
         and not exclusive of any remedies provided by law.

(d)      AMENDMENTS OR MODIFICATIONS. Any amendment or modification of this
         Agreement must be in writing and signed by the Bank and Borrower. Any
         waiver of any provision in this Agreement must be in writing and signed
         by the Bank.

(e)      BINDING EFFECT: ASSIGNMENT. This Agreement and the Documents are
         binding on the successors and assigns of the Borrower and Bank. The
         Borrower may not assign its rights under this Agreement and the
         Documents without the Bank's prior written consent. The Bank may sell
         participations in or assign this Agreement and the Documents and
         exchange financial information about the Borrower with actual or
         potential participants or assignees.

(f)      IOWA LAW. This Agreement and the Documents will be governed by the
         substantive laws of the State of Iowa.

(g)      SEVERABILITY OF PROVISIONS. If any part of this Agreement or the
         Documents are unenforceable, the rest of this Agreement or the
         Documents may still be enforced.

(h)      INTEGRATION. This Agreement and the Documents describe the entire
         understanding and agreement of the parties and supersedes all prior
         agreements between the Bank and the Borrower relating to each credit
         facility subject to this Agreement, whether verbal or in writing.


IMPORTANT: READ BEFORE SIGNING. THE TERMS OF THIS AGREEMENT SHOULD BE READ
CAREFULLY BECAUSE ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE. NO OTHER TERNS OR
ORAL PROMISES NOT CONTAINED IN THIS WRITTEN CONTRACT MAY BE LEGALLY ENFORCED.
YOU MAY CHANGE THE TERMS OF THIS AGREEMENT ONLY BY ANOTHER WRITTEN AGREEMENT.
THIS NOTICE ALSO APPLIES TO ANY OTHER CREDIT AGREEMENTS (EXCEPT CONSUMER LOANS
OR OTHER EXEMPT TRANSACTIONS) NOW IN EFFECT BETWEEN YOU AND THIS LENDER. BY
SIGNING BELOW THE BORROWER HEREBY ACKNOWLEDGES THAT IT HAS RECEIVED COPIES OF
THIS AGREEMENT AND ALL OTHER DOCUMENTS.


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Address for notices to Bank:              Address for notices to Borrower:

Norwest Bank Iowa,                        Patient Infosystems, Inc.
National Association                      46 Prince Street
666 Walnut Street, P.O. Box 837           Rochester, NY 14607
Des Moines, Iowa 50304-0837               Attention: /s/ Donald A. Carberg
                                                    ----------------------
Attention:   Randall R. Stromley,         With a copy to:
                Vice President
                                          John Pappajohn
                                          c/o Equity Dynamics
                                          2116 Financial Center
                                          666 Walnut Street
                                          Des Moines, Iowa 50309



NORWEST BANK IOWA,                        By: /s/ Donald A. Carberg
NATIONAL ASSOCIATION                         ----------------------------

By: /s/ Randall R. Stromley               Its: President & CEO
    -------------------------------           ---------------------------
    Randall R. Stromley, Vice President

PATIENT INFOSYSTEMS, INC.




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                                   EXHIBIT A
                    CONDITIONS PRECEDENT TO INITIAL ADVANCE

NOTE

The Revolving Note

SECURITY DOCUMENTS

STANDBY LETTERS OF CREDIT. Standby letters of credit (each standby letter of
credit a "Standby L/C") issued by banking institutions acceptable to the Bank
upon the application of each of the following individuals as account party in
the following amount, naming the Bank as beneficiary thereunder: 1) John
Pappajohn, $750,000.00; 2) Derace L. Schaffer, $750,000. Each Standby L/C will
support the obligations of the Borrower under the Revolving Note.

Each Standby L/C shall bear an expiry date of April 30, 2001, and shall permit
the Bank to draw upon it in an amount equal to the amount of the Standby L/C on
the 20th day following a default by the Borrower under the Revolving Note or at
any time on or after March 31, 2001.

PERSONAL GUARANTY OF JOHN PAPPAJOHN. The unconditional personal Guaranty of John
Pappajohn. Pursuant to the Guaranty, the Guarantor guarantees a maximum of
$80,000.00 principal indebtedness, plus accrued interest on the full amount of
the Line, plus collection costs.

SECURITY AGREEMENT OF BORROWER. A Security Agreement signed by the Borrower,
granting the Bank a first lien security interest in the Borrower's accounts,
inventory, equipment and general intangibles described in that Agreement,
together with one or more UCC-1 Financing Statements sufficient to perfect the
security interest granted to the Bank in each jurisdiction where such property
is located.


AUTHORIZATION

CORPORATE CERTIFICATE OF AUTHORITY. A certificate of the Borrower's corporate
secretary as to the incumbency and signatures of the officers of the Borrower
signing the Documents and containing a copy of resolutions of the Borrower's
board of directors authorizing execution of the Documents and performance in
accordance with the terms of the Agreement.

ORGANIZATION

ARTICLES OF INCORPORATION AND BY - LAWS. A certified copy of the Borrower's
Articles of Incorporation and By-Laws and any amendments, if applicable.

CERTIFICATE OF GOOD STANDING. A copy of the Borrower's Certificate of Good
Standing, recently certified by the Delaware Secretary of State.

OTHER

ARBITRATION AGREEMENT. The Bank's standard form of Arbitration Agreement dated
December 23, 1999 signed by the Bank and Borrower, subjecting to binding
arbitration potential controversies between the Bank and Borrower relating to
the Documents and the Agreement, as more fully described in the Arbitration
Agreement.


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                                   EXHIBIT B
                         REPRESENTATIONS AND WARRANTIES

ORGANIZATIONAL STATUS. The Borrower is a corporation duly formed and in good
standing under the laws of the State of Delaware.

AUTHORIZATION. This Agreement, and the execution and delivery of the Documents
required hereunder, is within the Borrower's powers, has been duly authorized
and does not conflict with any of its organizational documents or any other
agreement by which the Borrower is bound, and has been signed by all persons
authorized and required to do so under its organizational documents.

LITIGATION. There is no litigation or governmental proceeding pending or
threatened against the Borrower which could have a material adverse effect on
the Borrower's financial condition or business, except those disclosed in
Exhibit C attached hereto.

TAXES. The Borrower has paid when due all federal, state and local taxes.

NO DEFAULT. Except as otherwise disclosed to the Bank prior to the date hereof,
there is no event which is, or with notice or the lapse of time would be, an
event of default under this Agreement.

ERISA. The Borrower is in compliance in all material respects with ERISA and has
received no notice to the contrary from the PBGC or other governmental entity.

ENVIRONMENTAL MATTERS. (1) The Borrower is in compliance in all material
respects with all health and environmental laws applicable to the Borrower and
its operations and knows of no conditions or circumstances that could interfere
with such compliance in the future; (2) the Borrower has obtained all
environmental permits and approvals required by law for the operation of its
business; and (3) the Borrower has not identified any "recognized environmental
conditions", as that term is defined by the American Society for Testing and
Materials in its standards for environmental due diligence, which could subject
the Borrower to enforcement action if brought to the attention of appropriate
governmental authorities.


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