Exhibit 10.2
                              EMPLOYMENT AGREEMENT
                              --------------------

                                (Executive Level)

              AGREEMENT, dated as of January 1, 2006, between MDwerks, Inc., a
Delaware corporation (the "Company"), and the Executive identified on Exhibit A
attached hereto (the "Executive").

                              W I T N E S S E T H:
                              - - - - - - - - - -

              WHEREAS, the Company desires to retain the services of the
Executive and to that end desires to enter into a contract of employment with
him, upon the terms and conditions herein set forth; and

              WHEREAS, the Executive desires to be employed by the Company upon
such terms and conditions;

              NOW, THEREFORE, in consideration of the premises and of the mutual
benefits and covenants contained herein, the parties hereto, intending to be
bound, hereby agree as follows:

1.       APPOINTMENT AND TERM

              Subject to the terms hereof, the Company hereby employs the
Executive, and the Executive hereby accepts employment with the Company, all in
accordance with the terms and conditions set forth herein, for a period
commencing on the date hereof (the "Commencement Date") and ending on the date
(the "Expiration Date") set forth in Exhibit A, unless the parties mutually
agree in writing upon a later date.

2.       DUTIES

              (a)     During the term of this Agreement, the Executive shall be
employed in the position set forth in Exhibit A and shall, unless prevented by
incapacity, devote all of his business time, attention and ability during normal
corporate office business hours to the discharge of his duties hereunder and to
the faithful and diligent performance of such duties and the exercise of such
powers as may be assigned to or vested in him by the Board of Directors of the
Company (the "Board"), the President and Chief Executive Officer of the Company
and any other senior executive officer of the Company, such duties to be
consistent with his position. The Executive shall obey the lawful directions

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of the Board, the Company's President and Chief Executive Officer and any other
senior executive officer of the Company and shall use his diligent efforts to
promote the interests of the Company and to maintain and promote the reputation
thereof.

              (b)     The Executive shall not during his term of employment
(except as a representative of the Company or with the consent in writing of the
Board) be directly or indirectly engaged or concerned or interested in any other
business activity, except through ownership of an interest of not more than 2%
in any entity that does not compete with the Company, provided it does not
impair the ability of the Executive to discharge fully and faithfully his duties
hereunder.

              (c)     Notwithstanding the foregoing provisions, the Executive
shall be entitled to serve in various leadership capacities in civic, charitable
and professional organizations. The Executive recognizes that his primary and
paramount responsibility is to the Company.

              (d)     The Executive shall be based in the Deerfield Beach,
Florida area, except for required travel on the Company's business.

3.       REMUNERATION

              (a)     As compensation for his services pursuant hereto, the
Executive shall be paid a base salary during his employment hereunder at the
annual rate set forth in Exhibit A. This amount shall be payable in equal
periodic installments in accordance with the usual payroll practices of the
Company.

              (b)     Except as provided above, in Exhibit A and in Sections 4
and 6 hereof, the Executive shall not be entitled to receive any additional
compensation, remuneration or other payments from the Company.

4.       HEALTH INSURANCE AND OTHER FRINGE BENEFITS

              The Executive shall be entitled to participate in regular employee
fringe benefit programs to the extent such programs are offered by the Company
to its executive employees, including, but not limited to, medical,
hospitalization and disability insurance and life insurance, Section 529
education plan and 401(k) plan.

5.       VACATION

              The Executive shall be entitled to the number of weeks of vacation
set forth in Exhibit A (in addition to the usual national holidays) during each
contract year during which he serves hereunder.


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Such vacation shall be taken at such time or times as will be mutually agreed
between the Executive and the Company. Vacation not taken during a calendar year
may not be carried forward.

6.       REIMBURSEMENT FOR EXPENSES

              The Executive shall be reimbursed for reasonable documented
business expenses incurred in connection with the business of the Company in
accordance with practices and policies established by the Company.

7.       TERMINATION

              (a)     This Agreement shall terminate in accordance with the
terms of Section 7(b) hereof; provided, however, that such termination shall not
affect the obligations of the Executive pursuant to the terms of Sections 8 and
9.

              (b)     This Agreement shall terminate on the Expiration Date; or
as follows:

                      (i)    Upon the written notice to the Executive by the
Company at any time, because of the willful and material malfeasance, dishonesty
or habitual drug or alcohol abuse by the Executive related to or affecting the
performance of his duties, the Executive's continuing and intentional breach,
non-performance or non-observance of any of the terms or provisions of this
Agreement, but only after notice by the Company of such breach, nonperformance
or nonobservance and the failure of the Executive to cure such default as soon
as practicable (but in any event within ten (10) days following written notice
from the Company), the conduct by the Executive which the Board in good faith
determines could reasonably be expected to have a material adverse effect on the
business, assets, properties, results of operations, financial condition,
personnel or prospects of the Company (within each category, taken as a whole),
but only after notice by the Company of such conduct and the failure of the
Executive to cure same as soon as practicable (but in any event within ten (10)
days following written notice from the Company), or upon the Executive's
conviction of a felony, any crime involving moral turpitude (including, without
limitation, sexual harassment) related to or affecting the performance of his
duties or any act of fraud, embezzlement, theft or willful breach of fiduciary
duty against the Company.

                      (ii)   In the event the Executive, by reason of physical
or mental disability, shall be unable to perform the services required of him
hereunder for a period of more than 60 consecutive days, or for more than a
total of 90 non-consecutive days in the aggregate during any period


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of twelve (12) consecutive calendar months, on the 61st consecutive day, or the
91st day, as the case may be. The Executive agrees, in the event of any dispute
under this Section 7(b)(ii), and after written notice by the Board, to submit to
a physical examination by a licensed physician practicing in the South Florida
area selected by the Board, and reasonably acceptable to the Executive.

                      (iii)  In the event the Executive dies while employed
pursuant hereto, on the day in which his death occurs.

              (c)     If this Agreement is terminated pursuant to Section 7(b),
the Company will have no further liability to the Executive after the date of
termination including, without limitation, the compensation and benefits
described herein; provided that, in the case of termination pursuant to Section
7(b)(ii), the Executive will receive his then current salary until such time
(but not more than 90 days after such disability) as payments begin under any
disability insurance plan of the Executive.

              (d)     In the event the Company chooses not to enter into any
agreement or amendment extending the Executive's employment beyond the
Expiration Date, the Company agrees to provide Executive at least 60 days prior
written notice of such determination (which notice may be given either prior to
or after such Expiration Date, but if notice is given any later than 60 days
prior to the Expiration Date, then the term of this Agreement shall be extended
until the date which is 60 days after the date such notice is given), during
which time the Executive may seek alternative employment while still being
employed by the Company.


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8.       CONFIDENTIAL INFORMATION

              (a)     The Executive covenants and agrees that he will not at any
time during the continuance of this Agreement or at any time thereafter (i)
print, publish, divulge or communicate to any person, firm, corporation or other
business organization (except in connection with the Executive's employment
hereunder) or use for his own account any secret or confidential information
relating to the business of the Company (including, without limitation,
information relating to any customers, suppliers, employees, products, services,
formulae, technology, know-how, trade secrets or the like, financial information
or plans) or any secret or confidential information relating to the affairs,
dealings, projects and concerns of the Company, both past and planned (the
"Confidential Information"), which the Executive has received or obtained or may
receive or obtain during the course of his employment with the Company (whether
or not developed, devised or otherwise created in whole or in part by the
efforts of the Executive), or (ii) take with him, upon termination of his
employment hereunder, any information in paper or document form or on any
computer-readable media relating to the foregoing. The term "Confidential
Information" does not include information which is or becomes generally
available to the public other than as a result of disclosure by the Executive or
which is generally known in the medical claim processing and receivable
financing business. The Executive further covenants and agrees that he shall
retain the Confidential Information received or obtained during such service in
trust for the sole benefit of the Company or its successors and assigns.

              (b)     The term Confidential Information as defined in Section
8(a) hereof shall include information obtained by the Company from any third
party under an agreement including restrictions on disclosure known to the
Executive.

              (c)     In the event that the Executive is requested pursuant to
subpoena or other legal process to disclose any of the Confidential Information,
the Executive will provide the Company with prompt notice so that the Company
may seek a protective order or other appropriate remedy and/or waive compliance
with Section 8 of this Agreement. In the event that such protective order or
other remedy is not obtained or that the Company waives compliance with the
provisions of Section 8 of this Agreement, the Executive will furnish only that
portion of the Confidential Information which is legally required.


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9.       RESTRICTIONS DURING EMPLOYMENT AND FOLLOWING TERMINATION

              (a)     The Executive shall not, anywhere within the United
States, during his full term of employment under Section 1 hereof and for a
period of one (1) year thereafter, notwithstanding any earlier termination
pursuant to Section 7(b) hereof, without the prior written consent of the
Company, directly or indirectly, and whether as principal, agent, officer,
director, partner, employee, consultant, broker, dealer or otherwise, alone or
in association with any other person, firm, corporation or other business
organization, carry on, or be engaged, have an interest in or take part in, or
render services to any person, firm, corporation or other business organization
(other than the Company) engaged in a business which is competitive with all or
part of the Business of the Company. The term "Business of the Company" shall
mean developing, providing and marketing technology and financial services that
focus on products and services related to processing claims by medical
professionals and service providers for insurance reimbursement and the
financing of receivables due to them arising out of such claims.

              (b)     The Executive shall not, for a period of one (1) year
after termination of his employment hereunder, either on his own behalf or on
behalf of any other person, firm, corporation or other business organization,
endeavor to entice away from the Company any person who, at any time during the
continuance of this Agreement, was an employee of the Company.

              (c)     The Executive shall not, for a period of one (1) year
after termination of his employment hereunder, either on his own behalf or on
behalf of any other person, firm, corporation or other business organization,
solicit or direct others to solicit, any of the Company's customers or
prospective customers (including, but not limited to, those customers or
prospective customers with whom the Executive had a business relationship during
his term of employment) for any purpose or for any activity which is competitive
with all or part of the Business of the Company.

              (d)     It is understood by and between the parties hereto that
the foregoing covenants by the Executive set forth in this Section 9 are
essential elements of this Agreement and that, but for the agreement of the
Executive to comply with such covenants, the Company would not have entered into
this Agreement. It is recognized by the Executive that the Company currently
operates in, and may continue to expand its operations throughout, the
geographical territories referred to in Section 9(a)

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above. The Company and theExecutive have independently consulted with their
respective counsel and have been advised in all respects concerning the
reasonableness and propriety of such covenants.

10.      REMEDIES

              (a)     Without intending to limit the remedies available to
the Company, it is mutually understood and agreed that the Executive's services
are of a special, unique, unusual, extraordinary and intellectual character
giving them a peculiar value, the loss of which may not be reasonably or
adequately compensated in damages in an action at law, and, therefore, in the
event of any material breach by the Executive that continues after any
applicable cure period, the Company shall be entitled to equitable relief by way
of injunction or otherwise.

              (b)     The covenants of Section 8 shall be construed as
independent of any other provisions contained in this Agreement and shall be
enforceable as aforesaid notwithstanding the existence of any claim or cause of
action of the Executive against the Company, whether based on this Agreement or
otherwise. In the event that any of the provisions of Sections 8 or 9 hereof
should ever be adjudicated to exceed the time, geographic, product/service or
other limitations permitted by applicable law in any jurisdiction, then such
provisions shall be deemed reformed in any such jurisdiction to the maximum
time, geographic, product/service or other limitations permitted by applicable
law.

11.      COMPLIANCE WITH OTHER AGREEMENTS

              The Executive represents and warrants to the Company that the
execution of this Agreement by him and his performance of his obligations
hereunder will not, with or without the giving of notice or the passage of time
or both, conflict with, result in the breach of any provision of or the
termination of, or constitute a default under, any agreement to which the
Executive is a party or by which the Executive is or may be bound.

12.      WAIVERS

              The waiver by the Company or the Executive of a breach of any of
the provisions of this Agreement shall not operate or be construed as a waiver
of any subsequent breach.

13.      BINDING EFFECT; BENEFITS

              This Agreement shall inure to the benefit of, and shall be binding
upon, the parties hereto and their respective successors, assigns, heirs and
legal representatives, including any corporation or other

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business organization with which the Company may merge or consolidate or sell
all or substantially all of its assets. Insofar as the Executive is concerned,
this contract, being personal, cannot be assigned.

14.      NOTICES

              All notices and other communications which are required or may be
given under this Agreement shall be in writing and shall be deemed to have been
duly given when delivered to the person to whom such notice is to be given at
his or its address et forth below, or such other address for the party as shall
be specified by notice given pursuant hereto:

              (a)     If to the Executive, to him at the address set forth in
Exhibit A.

                      and

              (b)     If to the Company, to it at:

                      MDwerks, Inc.
                      Windolph Center, Suite I
                      1020 N.W. 6th Street
                      Deerfield Beach, Florida 33442
                      Attention: Chairman of the Board

                      with a copy to:

                      Greenberg Traurig, LLP
                      200 Park Avenue, 14th Floor
                      New York, New York  10166
                      Attention:  Spencer G. Feldman, Esq.

15.      MISCELLANEOUS

              (a)     This Agreement contains the entire agreement between the
parties hereto and supersedes all prior agreements and understandings, oral or
written, between the parties hereto with respect to the subject matter hereof.
This Agreement may not be changed, modified, extended or terminated except upon
written amendment approved by the Board and executed by a duly authorized
officer of the Company.

              (b)     The Executive acknowledges that from time to time, the
Company may establish, maintain and distribute employee manuals of handbooks or
personnel policy manuals, and officers or other representatives of the Company
may make written or oral statements relating to personnel policies and
procedures. Such manuals, handbooks and statements are intended only for general
guidance. No policies, procedures or statements of any nature by or on behalf of
the Company (whether written or oral,

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and whether or not contained in any employee manual or handbook or personnel
policy manual), and no acts or practices of any nature, shall be construed to
modify this Agreement or to create express or implied obligations of any nature
to the Executive.

              (c)     This Agreement may be executed in counterparts, each of
which shall be deemed to be an original, but all of which together shall
constitute one and the same instrument.

              (d)     All questions pertaining to the validity, construction,
execution and performance of this Agreement shall be governed by and construed
in accordance with the laws of the State of Florida, without regard to its
conflict of law principles.

              (e)     Any controversy or claim arising from, out of or relating
to this Agreement, or the breach hereof (other than controversies or claims
arising from, out of or relating to the provisions in Sections 8, 9 and 10),
shall be determined by final and binding arbitration in Broward County, Florida,
in accordance with the Employment Dispute Resolution Rules of the American
Arbitration Association, by a panel of not less than three (3) arbitrators
appointed by the American Arbitration Association. The decision of the
arbitrators may be entered and enforced in any court of competent jurisdiction
by either the Company or the Executive.

              The parties indicate their acceptance of the foregoing arbitration
requirement by initialing below:


            -------------------                   -------------------
              For the Company                          Executive

              IN WITNESS WHEREOF, the parties hereto have executed this
Agreement as of the day and year first above written.


                                          MDWERKS, INC.


                                          By:
                                             -----------------------------------
                                              Name:
                                              Title:



                                          EXECUTIVE



                                          --------------------------------------
                                          Name:


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