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                                                                      EXHIBIT 99


                FACTORS THAT MAY AFFECT FUTURE RESULTS OF OPERATION

ENS HAS INCURRED AND MAY CONTINUE TO INCUR SUBSTANTIAL LOSSES.

         ENS, which is currently 91% owned by the Company, has incurred net
losses since inception, including net losses from operations of ($1,262,667) in
the ENS fiscal year ended September 30, 2001. We currently intend to continue to
invest in ENS' infrastructure development, applications development and sales
and marketing in order to ramp up its revenue growth. We believe improved
operating efficiencies will lead to better results of operations in the near
future. ENS was able to achieve positive EBITDA, operating margin and cash from
operations by the end of fiscal 2001 and is expected to continue profitable
operations in 2002. However, ENS may continue to incur net operating losses and
negative cash flows during this ramp up phase.

THE BUSINESS OF PROVIDING ELECTRONIC HEALTHCARE TRANSACTION PROCESSING IS
DIFFICULT TO EVALUATE.

         It is difficult to evaluate ENS' businesses and prospects, and our
business model is still emerging. Our operating results have been and may in the
future be affected by numerous factors, many of which are outside of our
control, including, but not limited to:

         - market acceptance of and demand for ENS' products and services
         - our ability to continue to develop ENS' products and services
         - competition
         - capacity constraints and dependencies on computer
           infrastructure
         - operating expenses relating to strategic partnerships
         - usage of the Internet
         - economic conditions affecting the healthcare or Internet
           industries
         - general economic conditions

MANAGING OUR GROWTH MAY STRAIN OUR ADMINISTRATIVE AND TECHNICAL RESOURCES.

         ENS continued to streamline operations further while continuing to
grow. This restructuring and added stability will allow for continued rapid
growth with minimal incremental fixed costs. Growth placed a significant strain
on managerial, operational, technical and other

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resources, which strain is expected to continue. If we are unable to respond to
and manage this expected growth, then the quality of ENS' services and results
of operations could be materially adversely affected.

NEED TO EXPAND ENS' SUITE OF APPLICATIONS AND SERVICE OFFERINGS.

         In addition to its full-cycle suite of healthcare transaction
processing software and services, we currently offer a number of Internet-based
applications platform. We are introducing and must continue to introduce new
applications and services, improve the functionality of existing services and
successfully launch these services in a timely manner in order to attract and
retain customers. We rely on a combination of internal development, strategic
relationships, licensing and acquisitions to develop these applications and
services. Each ENS application, regardless of how it was developed, must be
integrated and customized to operate with existing customer legacy computer
systems and our platform.

ENS WILL BE DEPENDENT ON STRATEGIC RELATIONSHIPS TO GENERATE SOME REVENUE.

         Our ability to generate revenues will suffer if we cannot establish and
maintain strategic relationships. We believe that these relationships will
provide additional customers and will generate acceptance of our platform,
applications and services. Although we have established several short-term
strategic relationships, we have not entered into agreements for any major
long-term partnerships, and there is no assurance we can do so on favorable
terms.

REVENUES ARE CONCENTRATED IN A FEW CUSTOMERS.

         Currently, we receive significant revenues from two customers, who
together account for approximately 42% of ENS' operational revenue for the
fiscal year ended September 30, 2001. We expect that these two customers, which
operate under multi-year agreements, will account for significant revenues in
2002. Loss of their business could have an adverse effect on ENS' results of
operations.

PERFORMANCE PROBLEMS WITH ENS' SYSTEMS COULD DAMAGE OUR BUSINESS.

         We could be harmed if ENS or its customers experience system delays,
failures or loss of data. ENS currently processes substantially all customer
transactions and data at its own facilities. Although ENS has redundant systems,
contingency plans and dual facilities for


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disaster recovery, not all emergencies can be fully covered, if both facilities
are not functioning. The occurrence of a major catastrophic event or other
system failure at any of such facilities could interrupt data processing or
result in the loss of stored data. While ENS has general liability insurance
that we believe is adequate, including coverage for errors and omissions, ENS
may not be able to maintain this insurance on reasonable terms in the future. In
addition, the insurance may not be sufficient to cover large claims, and the
insurer could deny coverage on claims. If ENS is liable for an uninsured or
underinsured claim or if premiums increase significantly, ENS' financial
condition and results of operations could be materially harmed.

OUR BUSINESS WILL BE HARMED IF WE ARE UNSUCCESSFUL IN RESPONDING TO RAPID
TECHNOLOGY CHANGES IN THE HEALTHCARE MARKET.

         Healthcare information exchange and transaction processing are
relatively new and evolving markets. The pace of change in our markets is rapid
and there are frequent new product introductions and evolving industry
standards. We may be unsuccessful in responding to technological developments
and changing customer needs. In addition, our applications and services
offerings may become obsolete due to the adoption of new technologies or
standards.

OUR INTERNET PLATFORM INFRASTRUCTURE AND SCALABILITY ARE NOT PROVEN.

         Though steadily increasing, to date, we have processed a limited number
and variety of transactions over Internet platforms. Similarly, a limited number
of healthcare participants use these platforms. Our systems may not accommodate
increased use while maintaining acceptable overall performance. We must continue
to expand and adapt network infrastructure to accommodate anticipated additional
users, increased transaction volumes and changing customer requirements. This
expansion and adaptation will be expensive and will divert attention from other
activities.

         Though increasing in volume, we cannot guarantee that we will be able
to generate significant Internet transaction revenues in the future. We have
developed relationships with service providers to offer healthcare products and
services through direct links from its web site to their web sites. However,
there is no established business model for the sale of healthcare products or
services over the Internet. Without significant experience in the sale of
products or services online or in the development of relationships with
providers of such products and


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services, we cannot predict how quickly customers will adopt this form of
commerce or the compensation that we will receive for enabling these
transactions.

WE WILL FACE SIGNIFICANT COMPETITION.

         The market for healthcare information services is intensely
competitive, rapidly evolving and subject to rapid technological change. Many
competitors have greater financial, technical, product development, marketing
and other resources than we have. These organizations may be better known and
have more customers than ENS. Many competitors have also announced or introduced
strategies that will compete with our applications and services. See "Business
-- Competition."

OUR BUSINESS COULD BE ADVERSELY AFFECTED AS A RESULT OF POLITICAL, REGULATORY,
ECONOMIC OR OTHER CHANGES IN THE HEALTHCARE INDUSTRY.

         The healthcare industry is highly regulated and is subject to changing
political, economic and regulatory influences. These factors affect the
purchasing practices and operation of healthcare organizations. Changes in
current healthcare financing and reimbursement systems could cause us to make
unplanned modifications of applications or services, or result in delays or
cancellations of orders or in the revocation of endorsement of our applications
and services by healthcare participants. Federal and state legislatures have
periodically considered programs to reform or amend the U.S. healthcare system
at both the federal and state level. These programs may contain proposals to
increase governmental involvement in healthcare, lower reimbursement rates or
otherwise change the environment in which healthcare industry participants
operate. Laws and regulations may be adopted with respect to the Internet or
other online services covering issues such as:

         - user privacy and patient confidentiality
         - pricing
         - content
         - copyrights and patents
         - distribution

Healthcare industry participants may respond by reducing their investments or
postponing investment decisions, including investments in our applications and
services. We do not know what effect any proposals would have on our business.


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OUR INTELLECTUAL PROPERTY MAY BE SUBJECTED TO INFRINGEMENT CLAIMS OR MAY BE
INFRINGED UPON.

         Our intellectual property is important to our business. We could be
subject to intellectual property infringement claims as the number of
competitors grows and the functionality of applications overlaps with
competitive offerings. These claims, even if not meritorious, could be expensive
and divert management's attention from operations. If we become liable to third
parties for infringing intellectual property rights, we could be required to pay
a substantial damage award and to develop noninfringing technology, obtain a
license or cease selling the applications that contain the infringing
intellectual property. We may be unable to develop noninfringing technology or
obtain a license on commercially reasonable terms, or at all. In addition, we
may not be able to protect against misappropriation of our intellectual
property. We have not sought patents or copyright protection for any of our
software or related technology. Third parties may infringe upon our intellectual
property rights. If we do not detect any unauthorized use, we may be unable to
enforce our rights.

OUR BUSINESS WILL BE ADVERSELY AFFECTED IF WE CANNOT ATTRACT AND RETAIN KEY
PERSONNEL.

         Future operating results will substantially depend on the ability of
our officers and key employees to manage changing business conditions and to
implement and improve technical, administrative, financial control and reporting
systems. We need to attract, integrate, motivate and retain highly skilled
technical people capable of developing, selling and installing complex
healthcare information systems. We face intense competition for these people.

ANY FUTURE ACQUISITIONS WE MAKE OF COMPANIES OR TECHNOLOGIES MAY RESULT IN
DISRUPTION TO OUR BUSINESS AND/OR THE DISTRACTION OF OUR MANAGEMENT, DUE TO
DIFFICULTIES IN ASSIMILATING ACQUIRED PERSONNEL AND OPERATIONS.

         We may acquire or make investments in complementary businesses,
technologies, services or products, or in new areas, if appropriate
opportunities arise. From time to time we engage in discussions and negotiations
with companies regarding our acquiring or investing in such companies'
businesses, products, services or technologies, and we regularly engage in such
discussions and negotiations in the ordinary course of our business. We cannot
assure you that we will be able to identify future suitable acquisition or
investment candidates, or if we do identify suitable candidates, that we will be
able to make such acquisitions or investments on commercially acceptable terms
or at all. If we acquire or invest in another company, we could have difficulty
in assimilating that company's personnel, operations, technology and software.
In


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addition, the key personnel of the acquired company may decide not to work for
us. If we make other types of acquisitions, we could have difficulty in
integrating the acquired products, services or technologies into our operations.
These difficulties could disrupt our ongoing business, distract our management
and employees, increase our expenses and adversely affect our results of
operations. Furthermore, we may incur indebtedness or issue equity securities to
pay for any future acquisitions. The issuance of equity securities would be
dilutive to our existing stockholders. As of January 29, 2002, we had no
agreement to enter into any material investment or acquisition transaction.






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