Document:

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                                                                   EXHIBIT 10.16

                              EMPLOYMENT AGREEMENT

         AGREEMENT made as of the 18th day of June, 2003 by and between T. Kent
Smith, residing at 137 W. Wesley Road, Atlanta, Georgia 30303 (hereinafter
referred to as the "Employee") and TEAMSTAFF, INC., a New Jersey corporation
with principal offices located at 300 Atrium Drive, Somerset, New Jersey.

                              W I T N E S S E T H:

         WHEREAS, TeamStaff, Inc. and its subsidiaries (the "Company") are
engaged in the business of providing Business Outsource Services; and

         WHEREAS, the Company desires to employ the Employee for the purpose of
securing for the Company the experience, ability and services of the Employee;
and

         WHEREAS, the Employee desires to be employed with the Company, pursuant
to the terms and conditions herein set forth, superseding all prior oral and
written employment agreements, and term sheets and letters between the Company,
its subsidiaries and/or predecessors and Employee;

         NOW, THEREFORE, it is mutually agreed by and between the parties hereto
as follows:

                                    ARTICLE I

                                   DEFINITIONS

         1.1      Accrued Compensation. Accrued Compensation shall mean an
amount which shall include all amounts earned or accrued through the
"Termination Date" (as defined below) but not paid as of the Termination Date,
including (i) Base Salary, (ii) reimbursement for business expenses incurred by
the Employee on behalf of the Company, pursuant to the Company's expense

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reimbursement policy in effect at such time, (iii) vacation pay, and (iv) unpaid
bonuses and incentive compensation earned and awarded prior to the Termination
Date.

         1.2      Cause. Cause shall mean: (i) willful disobedience by the
Employee of a material and lawful instruction of the Board of Directors of the
Company; (ii) formal charge, indictment or conviction of the Employee of any
misdemeanor involving fraud or embezzlement or similar crime, or any felony;
(iii) breach by the Employee of any material provision of this Agreement; (iv)
conduct amounting to fraud, dishonesty, gross negligence, willful misconduct or
recurring insubordination; (v) excessive absences from work, other than for
illness or Disability; or (vi) unsatisfactory performance of duties; provided
that the Company shall not have the right to terminate the employment of
Employee pursuant to the foregoing clauses (i), (iii), (iv), (v) and (vi) above
unless written notice specifying such breach shall have been given to the
Employee and, in the case of breach which is capable of being cured, the
Employee shall have failed to cure such breach within thirty (30) days after his
receipt of such notice.

         1.3      Continuation Benefits. Continuation Benefits shall be the
continuation of the Benefits, as defined in Section 5.1, for the period from the
Termination Date to the Expiration Date, or such other period as specifically
stated by this agreement (the "Continuation Period") at the Company's expense on
behalf of the Employee and his dependents; provided, however, that (i) in no
event shall the Continuation Period exceed 18 months from the Termination Date;
and (ii) the level and availability of benefits provided during the Continuation
Period shall at all times be subject to the post-employment conversion or
portability provisions of the benefit plans. The Company's obligation hereunder
with respect to the foregoing benefits shall also be limited to the extent that
if the Employee obtains any such benefits pursuant to a subsequent employer's
benefit plans, the

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Company may reduce the coverage of any benefits it is required to provide the
Employee hereunder as long as the aggregate coverages and benefits of the
combined benefit plans is no less favorable to the Employee than the coverages
and benefits required to be provided hereunder. This definition of Continuation
Benefits shall not be interpreted so as to limit any benefits to which the
Employee, his dependents or beneficiaries may be entitled under any of the
Company's employee benefit plans, programs or practices following the Employee's
termination of employment, including, without limitation, retiree medical and
life insurance benefits.

         1.4      Disability. Disability shall mean a physical or mental
infirmity which impairs the Employee's ability to substantially perform his
duties with the Company for a period of ninety (90) consecutive days.

         1.5      Notice of Termination. Notice of Termination shall mean a
written notice from the Company, or the Employee, of termination of the
Employee's employment which indicates the provision in this Agreement relied
upon, if any. A Notice of Termination served by the Company shall specify the
effective date of termination.

         1.6      Termination Date. Termination Date shall mean (i) in the case
of the Employee's death, his date of death; and (ii) in all other cases, the
date specified in the Notice of Termination.

                                   ARTICLE II

                                   EMPLOYMENT

         2.1      Subject to and upon the terms and conditions of this
Agreement, the Company hereby employs, and the Employee hereby accepts such
employment, as President and Chief Executive Officer of the Company. The
Employee's position includes acting as an officer and/or director of any of the
Company's subsidiaries as determined by the Board of Directors.

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                                   ARTICLE III

                                     DUTIES

         3.1      The Employee shall, during the term of his employment with the
Company, and subject to the direction and control of the Company's Board of
Directors, perform such duties and functions as he may be called upon to perform
by the Company's Board of Directors during the term of this Agreement,
consistent with his position as President and Chief Executive Officer.

         3.2      The Employee agrees to devote full business time and his best
efforts in the performance of his duties for the Company and any subsidiary
corporation of the Company.

         3.3      The Employee shall perform, in conjunction with the Company's
Executive Management, to the best of his ability the following services and
duties for the Company and its subsidiary corporations (by way of example, and
not by way of limitation):

                  1.       Those duties attendant to the position with the
                           Company for which he is hired;

                  2.       Establish and implement current and long range
                           objectives, plans, and policies, subject to the
                           approval of the Board of Directors;

                  3.       Financial planning including the development of,
                           liaison with, financing sources and investment
                           bankers;

                  4.       Managerial oversight of the Company's business;

                  5.       Shareholder relations;

                  6.       Ensure that all Company activities and operations are
                           carried out in compliance with local, state and
                           federal regulations and laws governing business
                           operations;

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                  7.       Business expansion of the Company including
                           acquisitions, joint ventures, and other
                           opportunities; and

                  8.       Promotion of the relationships of the Company and its
                           subsidiaries with their respective employees,
                           customers, suppliers and others in the business
                           community.

         3.4      Employee shall undertake regular travel to the Company's
executive and operational offices, and such other occasional travel within or
outside the United States as is or may be reasonably necessary in the interests
of the Company. All such travel including travel from Atlanta, Georgia to the
Company's executive offices shall be at the sole cost and expense of the
Company. All lodging and food costs incurred by Employee while traveling and/or
conducting business at the Company's operational offices (outside the Atlanta,
Georgia area) shall be paid by the Company.

                                   ARTICLE IV

                                  COMPENSATION

         4.1      During the term of this Agreement, Employee shall be
compensated initially at the rate of $250,000 per annum, subject to such
increases, if any, as determined by the Board of Directors, or if the Board so
designates, the Management Resources and Compensation Committee, in its
discretion, at the commencement of each of the Company's fiscal years during the
term of this Agreement (the "Base Salary"). The base salary shall be paid to the
Employee in accordance with the Company's regular executive payroll periods.

         4.2      Employee may receive a bonus (the "Bonus") in the sole
discretion of the Management Resources and Compensation Committee of the Board
of Directors. Employee will have an opportunity to earn a Bonus of up to 50% of
Employee's Base Salary for each fiscal year of

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employment. For the interim period from the commencement of employment to the
end of Fiscal 2003, the Bonus awarded will be on a pro rata basis and determined
by the Management Resources and Compensation Committee in its discretion.
Thereafter, it is anticipated that the Bonus will be based 70% on revenue and
income targets and 30% on other key objectives established by the Management
Resources and Compensation Committee at the commencement of each fiscal year.

         4.3      The Company shall deduct from Employee's compensation all
federal, state, and local taxes which it may now or may hereafter be required to
deduct.

         4.4      Employee may receive such other additional compensation as may
be determined from time to time by the Board of Directors including bonuses and
other long term compensation plans. Nothing herein shall be deemed or construed
to require the Board to award any bonus or additional compensation.

                                    ARTICLE V

                                    BENEFITS

         5.1      During the term hereof, the Company shall provide Employee
with the following benefits (the "Benefits"): (i) group health care and
insurance benefits as generally made available to the Company's senior
management; and (ii) such other insurance benefits obtained by the Company and
made generally available to the Company's senior management. The Company shall
reimburse Employee, upon presentation of appropriate vouchers, for all
reasonable business expenses incurred by Employee on behalf of the Company upon
presentation of suitable documentation.

         5.2      In the event the Company wishes to obtain Key Man life
insurance on the life of Employee, Employee agrees to cooperate with the Company
in completing any applications necessary

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to obtain such insurance and promptly submit to such physical examinations and
furnish such information as any proposed insurance carrier may request.

         5.3      For the term of this Agreement, Employee shall be entitled to
paid vacation at the rate of four (4) weeks per annum.

                                   ARTICLE VI

                                 NON-DISCLOSURE

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         6.1      The Employee shall not, at any time during or after the
termination of his employment hereunder, except when acting on behalf of and
with the authorization of the Company, make use of or disclose to any person,
corporation, or other entity, for any purpose whatsoever, any trade secret or
other confidential information concerning the Company's business, finances,
marketing, computerized payroll, accounting and information business, personnel
and/or employee leasing business of the Company and its subsidiaries, including
information relating to any customer of the Company or pool of temporary
employees, or any other nonpublic business information of the Company and/or its
subsidiaries learned as a consequence of Employee's employment with the Company
(collectively referred to as the "Proprietary Information"). For the purposes of
this Agreement, trade secrets and confidential information shall mean
information disclosed to the Employee or known by him as a consequence of his
employment by the Company, whether or not pursuant to this Agreement, and not
generally known in the industry. The Employee acknowledges that trade secrets
and other items of confidential information, as they may exist from time to
time, are valuable and unique assets of the Company, and that disclosure of any
such information would cause substantial injury to the Company. Trade secrets
and confidential information shall cease to be trade secrets or confidential
information, as applicable, at such time as such information becomes public
other than through disclosure, directly or indirectly, by Employee in violation
of this Agreement.

         6.2      If Employee is requested or required (by oral questions,
interrogatories, requests for information or document subpoenas, civil
investigative demands, or similar process) to disclose any Proprietary
Information, Employee shall, unless prohibited by law, promptly notify the
Company of such request(s) so that the Company may seek an appropriate
protective order.

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                                   ARTICLE VII

                              RESTRICTIVE COVENANT

         7.1      In the event of the voluntary termination of employment with
the Company prior to the expiration of the term hereof, or Employee's discharge
in accordance with Article IX, or the expiration of the term hereof without
renewal, Employee agrees that he will not, for a period of one (1) year
following such termination, directly or indirectly, enter into or become
associated with or engage in any other business (whether as a partner, officer,
director, shareholder, employee, consultant, or otherwise), which is involved in
the business of providing (i) professional employer organization services, (ii)
temporary and/or permanent staffing of travel health professionals and travel
nurses, and (iii) payroll processing, or is otherwise engaged in the same or
similar business as the Company in direct competition with the Company, or which
the Company was in the process of developing, during the tenure of Employee's
employment by the Company. Notwithstanding the foregoing, the ownership by
Employee of less than five percent of the shares of any publicly held
corporation shall not violate the provisions of this Article VII.

         7.2      In furtherance of the foregoing, Employee shall not during the
aforesaid period of non-competition, directly or indirectly, in connection with
any computerized payroll, employee leasing, or permanent or temporary personnel
business, or any business similar to the business in which the Company was
engaged, or in the process of developing during Employee's tenure with the
Company, solicit any customer or employee of the Company who was a customer or
employee of the Company during the tenure of his employment.

         7.3      If any court shall hold that the duration of non-competition
or any other restriction contained in this Article VII is unenforceable, it is
our intention that same shall not thereby be

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terminated but shall be deemed amended to delete therefrom such provision or
portion adjudicated to be invalid or unenforceable or, in the alternative, such
judicially substituted term may be substituted therefor.

                                  ARTICLE VIII

                                      TERM

         8.1      This Agreement shall be for a term (the "Initial Term")
commencing on June 18, 2003 (the "Commencement Date") and terminating on
September 30, 2005 (the "Expiration Date"), unless sooner terminated upon the
death of the Employee, or as otherwise provided herein.

         8.2      Unless this Agreement is earlier terminated pursuant to the
terms hereof, the Company agrees to use its best efforts to notify Employee in
writing whether it intends to negotiate a renewal of this Agreement by notice
four (4) months prior to the Expiration Date. In the event (i) the Company shall
have failed to notify the Employee of its intention to renew as provided by this
Section 8.2, or (ii) the Company fails to reach agreement with Employee as to
the terms of a new employment agreement prior to the Expiration Date after
providing such notice, in addition to any other payments due hereunder, upon
termination of the Employee's employment on or after the Expiration Date for any
reason except Cause, the Company shall pay Employee a severance payment equal to
three months of Employee's Base Salary ("Severance Payments") payable in equal
installments on each of the Company's regular pay dates for executives during
the three months commencing on the first regular executive pay date following
the date of such termination.

                                   ARTICLE IX

                                   TERMINATION

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         9.1      The Company may terminate this Agreement by giving a Notice of
Termination to the Employee in accordance with this Agreement:

                  a.       For Disability;

                  b.       For Cause.

                  c.       Without Cause.

         9.2      Employee may terminate this Agreement by giving a Notice of
Termination to the Company in accordance with this Agreement, at any time, with
or without good reason.

         9.3      If the Employee's employment with the Company shall be
terminated, the Company shall pay and/or provide to the Employee the following
compensation and benefits in lieu of any other compensation or benefits arising
under this Agreement or otherwise:

                  a.       if the Employee was terminated by the Company for
                           Cause, or the Employee terminates, the Accrued
                           Compensation; provided, however, in the event the
                           termination for Cause was based on Section 1.2 (vi)
                           (unsatisfactory performance), in addition to the
                           foregoing, Employee shall be entitled to receive his
                           Base Salary for the lesser of the balance of the term
                           of this agreement or one year.

                  b.       if the Employee was terminated by the Company for
                           Disability, the Accrued Compensation, and Base Salary
                           and Continuation Benefits from the Termination Date
                           through the period ending three (3) months
                           thereafter; or

                  c.       if termination was due to the Employee's death, the
                           Accrued Compensation; and Employee's pro rata bonus
                           for the fiscal year in which the date of death
                           occurred; or

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                  d.       if the Employee was terminated by the Company without
                           cause, (i) the Accrued Compensation; (ii) the
                           Employee's Base Salary to the Expiration Date; and
                           (iii) the Continuation Benefits.

         9.4      The amounts payable under this Section 9, shall be paid as
follows:

                  a.       Accrued Compensation shall be paid within five (5)
                           business days after the Employee's Termination Date
                           (or earlier, if required by applicable law).

                  b.       If the Continuation Benefits are paid in cash, the
                           payments shall be made on the first day of each month
                           during the Continuation Period (or earlier, if
                           required by applicable law).

                  c.       The Base Salary through the Expiration Date shall be
                           paid in accordance with the Company's regular pay
                           periods (or earlier, if required by applicable law).

         9.5      Notwithstanding the foregoing, in the event Employee is a
member of the Board of Directors on the Termination Date, the payment of any and
all compensation due hereunder, except Accrued Compensation, and Employee's
right to exercise any Employee Stock Option after the Termination Date, is
expressly conditioned on Employee's resignation from the Board of Directors
within five (5) business days of notice by the Company requesting such
resignation. .

         9.6      The Employee shall not be required to mitigate the amount of
any payment provided for in this Agreement by seeking other employment or
otherwise and no such payment shall be offset or reduced by the amount of any
compensation or benefits provided to the Employee in any subsequent employment
except as provided in Sections 1.3.

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                                    ARTICLE X

                         TERMINATION OF PRIOR AGREEMENTS

         10.1     This Agreement sets forth the entire agreement between the
parties and supersedes all prior agreements, letters and understandings between
the parties, whether oral or written prior to the effective date of this
Agreement.

                                   ARTICLE XI

                                 STOCK OPTIONS

         11.1     As an inducement to Employee to enter into this Agreement the
Company hereby grants to Employee options to purchase shares of the Company's
Common Stock, $.001 par value, as follows:

                  Subject to the terms and conditions of the Company's 2000
Employees' Stock Option Plan (the "Plan"), and the terms and conditions set
forth in the Stock Option Certificate which are incorporated herein by
reference, the Employee is hereby granted options to purchase 400,000 shares of
the Company's Common Stock, of which options to purchase 100,000 shares shall
vest on June 18, 2003, 100,000 shall vest on June 18, 2004, and the balance
shall vest on June 18, 2005. The exercise price of the option shall be $3.00 per
share and shall contain such other terms and conditions as set forth in the
stock option agreement. The foregoing options shall be qualified as incentive
stock options to the maximum as allowed by law. The Options provided for herein
are not transferable by Employee and shall be exercised only by Employee, or by
his legal representative or executor, as provided in the Plan. Such Option shall
terminate as provided in the Plan, except as otherwise modified by this
Agreement.

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                                   ARTICLE XII

                           EXTRAORDINARY TRANSACTIONS

         12.1     The Company's Board of Directors has determined that it is
appropriate to reinforce and encourage the continued attention and dedication of
members of the Company's management, including the Employee, to their assigned
duties without distraction in potentially disturbing circumstances arising from
the possibility of a change in control of the Company.

         12.2     Change in Control. For purposes of this Agreement, a "Change
in Control" shall mean any of the following events:

                  a.       (i) An acquisition (other than directly from the
                           Company) of any voting securities of the Company (the
                           "Voting Securities") by any "Person" (as the term
                           person is used for purposes of Section 13(d) or 14(d)
                           of the Securities Exchange Act of 1934, as amended
                           (the "1934 Act")) immediately after which such Person
                           has "Beneficial Ownership" (within the meaning of
                           Rule 13d-3 promulgated under the 1934 Act) of twenty
                           percent (20%) or more of the combined voting power of
                           the Company's then outstanding Voting Securities;
                           provided, however, that in determining whether a
                           Change in Control has occurred, Voting Securities
                           which are acquired in a "Non-Control Acquisition" (as
                           defined below) shall not constitute an acquisition
                           which would cause a Change in Control. A "Non-Control
                           Acquisition" shall mean an acquisition by (1) an
                           employee benefit plan (or a trust forming a part
                           thereof) maintained by (x) the Company or (y) any
                           corporation or other Person of which a majority of
                           its voting power or its equity securities or equity
                           interest is owned directly or

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                           indirectly by the Company (a "Subsidiary"), or (2)
                           the Company or any Subsidiary.

                           (ii)Notwithstanding the foregoing, a Change in
                           Control shall not be deemed to occur solely because a
                           Person (the "Subject Person") gained Beneficial
                           Ownership of more than the permitted amount of the
                           outstanding Voting Securities as a result of the
                           acquisition of Voting Securities by the Company
                           which, by reducing the number of Voting Securities
                           outstanding, increases the proportional number of
                           shares Beneficially Owned by the Subject Person,
                           provided that if a Change in Control would occur (but
                           for the operation of this sentence) as a result of
                           the acquisition of Voting Securities by the Company,
                           and after such share acquisition by the Company, the
                           Subject Person becomes the Beneficial Owner of any
                           additional Voting Securities which increases the
                           percentage of the then outstanding Voting Securities
                           Beneficially Owned by the Subject Person, then a
                           Change in Control shall occur.

                  b.       The individuals who, as of the date this Agreement is
                           approved by the Board, are members of the Board (the
                           "Incumbent Board"), cease for any reason to
                           constitute at least two-thirds of the Board;
                           provided, however, that if the election, or
                           nomination for election by the Company's
                           stockholders, of any new director was approved by a
                           vote of at least two-thirds of the Incumbent Board,
                           such new director shall, for purposes of this
                           Agreement, be considered and defined as a member of
                           the Incumbent Board; and provided, further, that no
                           individual shall be considered a member of the
                           Incumbent Board if such

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                           individual initially assumed office as a result of
                           either an actual or threatened "Election Contest" (as
                           described in Rule 14a-11 promulgated under the 1934
                           Act) or other actual or threatened solicitation of
                           proxies or consents by or on behalf of a Person other
                           than the Board (a "Proxy Contest"), including by
                           reason of any agreement intended to avoid or settle
                           any Election Contest or Proxy Contest; or

                  c.       Approval by stockholders of the Company of:

                           (i)      A merger, consolidation or reorganization
                                    involving the Company, unless: (1) the
                                    stockholders of the Company, immediately
                                    before such merger, consolidation or
                                    reorganization, own, directly or indirectly
                                    immediately following such merger,
                                    consolidation or reorganization, at least
                                    sixty percent (60%) of the combined voting
                                    power of the outstanding voting securities
                                    of the corporation resulting from such
                                    merger or consolidation or reorganization
                                    (the "Surviving Corporation") in
                                    substantially the same proportion as their
                                    ownership of the Voting Securities
                                    immediately before such merger,
                                    consolidation or reorganization, (2) the
                                    individuals who were members of the
                                    Incumbent Board immediately prior to the
                                    execution of the agreement providing for
                                    such merger, consolidation or reorganization
                                    constitute at least two-thirds of the
                                    members of the board of directors of the
                                    Surviving Corporation, and (3) no Person
                                    (other than the Company, any Subsidiary, any
                                    employee benefit plan

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                                    (or any trust forming a part thereof)
                                    maintained by the Company, the Surviving
                                    Corporation or any Subsidiary) becomes
                                    Beneficial Owner of twenty percent (20%) or
                                    more of the combined voting power of the
                                    Surviving Corporation's then outstanding
                                    voting securities as a result of such
                                    merger, consolidation or reorganization, a
                                    transaction described in clauses (1) through
                                    (3) shall herein be referred to as a
                                    "Non-Control Transaction"; or

                           (ii)     An agreement for the sale or other
                                    disposition of all or substantially all of
                                    the assets of the Company, to any Person,
                                    other than a transfer to a Subsidiary, in
                                    one transaction or a series of related
                                    transactions; or

                           (iii)    The stockholders of the Company approve any
                                    plan or proposal for the liquidation or
                                    dissolution of the Company.

                  d.       Notwithstanding anything contained in this Agreement
                           to the contrary, if the Employee's employment is
                           terminated prior to a Change in Control and the
                           Employee reasonably demonstrates that such
                           termination (i) was at the request of a third party
                           who has indicated an intention or taken steps
                           reasonably calculated to effect a Change in Control
                           (a "Third Party") or (ii) otherwise occurred in
                           connection with, or in anticipation of, a Change in
                           Control, then for all purposes of this Agreement, the
                           date of a Change in Control with respect to the
                           Employee shall mean the date immediately prior to the
                           date of such termination of the Employee's
                           employment.

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                  e.       For the purposes of this Agreement, an agreement for
                           the sale of the PEO and/or payroll division shall not
                           constitute an agreement for the sale or other
                           disposition of all or substantially all of the assets
                           of the Company.

                  a.       12.3 In the event that within ninety (90) days of a
                           Change of Control as described in Section 12.2, (i)
                           Employee is terminated, or (ii) Employee's status,
                           title, position or responsibilities are materially
                           reduced and Employee terminates his Employment, the
                           Company shall pay and/or provide to the Employee, the
                           following compensation and benefits: The Company
                           shall pay the Employee, in lieu of any other payments
                           due hereunder, (i) the Accrued Compensation; (ii) the
                           Continuation Benefits; and (iii) as severance, Base
                           Salary for a period of nine (9) months payable in
                           equal installments on each of the Company's regular
                           pay dates for executives during the nine months
                           commencing on the first regular executive pay date
                           following the termination Date; and The conditions to
                           the vesting of any outstanding incentive awards
                           (including restricted stock, stock options and
                           granted performance shares or units) granted to the
                           Employee under any of the Company's plans, or under
                           any other incentive plan or arrangement, shall be
                           deemed void and all such incentive awards shall be
                           immediately and fully vested and exercisable.
                           Further, the options shall be deemed amended to
                           provide that in the event of termination after an
                           event enumerated in this Article XII, the options
                           shall remain exercisable for the duration of their
                           term.

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         12.4     Notwithstanding the foregoing, if the payment under this
Article XII, either alone or together with other payments which the Employee has
the right to receive from the Company, would constitute an "excess parachute
payment" as defined in Section 280G of the Internal Revenue Code of 1986, as
amended (the "Code"), the aggregate of such credits or payments under this
Agreement and other agreements shall be reduced to the largest amount as will
result in no portion of such aggregate payments being subject to the excise tax
imposed by Section 4999 of the Code. The priority of the reduction of excess
parachute payments shall be in the discretion of the Employee. The Company shall
give notice to the Employee as soon as practicable after its determination that
Change of Control payments and benefits are subject to the excise tax, but no
later than ten (10) days in advance of the due date of such Change of Control
payments and benefits, specifying the proposed date of payment and the Change of
Control benefits and payments subject to the excise tax. Employee shall exercise
his option under this paragraph 12.4 by written notice to the Company within
five (5) days in advance of the due date of the Change of Control payments and
benefits specifying the priority of reduction of the excess parachute payments.

                                  ARTICLE XIII

                         ARBITRATION AND INDEMNIFICATION

         13.1     Any dispute arising out of the interpretation, application,
and/or performance of this Agreement with the sole exception of any claim,
breach, or violation arising under Articles VI or VII hereof shall be settled
through final and binding arbitration before a single arbitrator in the State of
Georgia in accordance with the Rules of the American Arbitration Association.
The arbitrator shall be selected by the Association and shall be an
attorney-at-law experienced in the field of corporate

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law. Any judgment upon any arbitration award may be entered in any court,
federal or state, having competent jurisdiction of the parties.

         13.2     The Company hereby agrees to indemnify, defend, and hold
harmless the Employee for any and all claims arising from or related to his
employment by the Company at any time asserted, at any place asserted, to the
fullest extent permitted by law, except for claims based on Employee's fraud,
deceit or wilfulness. The Company shall maintain such insurance as is necessary
and reasonable to protect the Employee from any and all claims arising from or
in connection with his employment by the Company during the term of Employee's
employment with the Company and for a period of six (6) years after the date of
termination of employment for any reason. The provisions of this Section 13.2
are in addition to and not in lieu of any indemnification, defense or other
benefit to which Employee may be entitled by statute, regulation, common law or
otherwise.

                                   ARTICLE XIV

                                  SEVERABILITY

         If any provision of this Agreement shall be held invalid and
unenforceable, the remainder of this Agreement shall remain in full force and
effect. If any provision is held invalid or unenforceable with respect to
particular circumstances, it shall remain in full force and effect in all other
circumstances.

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                                   ARTICLE XV

                                     NOTICE

                  For the purposes of this Agreement, notices and all other
communications provided for in the Agreement shall be in writing and shall be
deemed to have been duly given when personally delivered or sent by certified
mail, return receipt requested, postage prepaid, addressed to the respective
addresses as set forth below or to any such other address as the party to
receive the notice shall advise by due notice given in accordance with this
paragraph . All notices and communications shall be deemed to have been received
on the date of delivery thereof or on the third business day after the mailing
thereof, except that notice of change of address shall be effective only upon
receipt.

         The current addresses of the parties are as follows:

                  IF TO THE COMPANY:  TeamStaff, Inc.
                                      300 Atrium Drive
                                      Somerset, NJ 08873

                  IF TO THE EMPLOYEE: T. Kent Smith
                                      137 W. Wesley Road
                                      Atlanta, Georgia 30303

                                   ARTICLE XVI

                                     BENEFIT

         This Agreement shall inure to, and shall be binding upon, the parties
hereto, the successors and assigns of the Company, and the heirs and personal
representatives of the Employee.

                                       21
<PAGE>

                                  ARTICLE XVII

                                     WAIVER

         The waiver by either party of any breach or violation of any provision
of this Agreement shall not operate or be construed as a waiver of any
subsequent breach of construction and validity.

                                  ARTICLE XVIII

                                  GOVERNING LAW

         This Agreement has been negotiated and executed in the State of New
Jersey which shall govern its construction and validity.

                                   ARTICLE XIX

                                  JURISDICTION

         Any or all actions or proceedings which may be brought by the Company
or Employee under this Agreement shall be brought in courts having a situs
within the State of Georgia, and Employee and the Company each hereby consent to
the jurisdiction of any local, state, or federal court located within the State
of Georgia.

                                   ARTICLE XX

                                ENTIRE AGREEMENT

         This Agreement contains the entire agreement between the parties
hereto. No change, addition, or amendment shall be made hereto, except by
written agreement signed by the parties hereto.

                                       22
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement and
affixed their hands and seals the day and year first above written.

                                          TEAMSTAFF, INC.

                                          By: __________________________________

                                                  T. Stephen Johnson
                                                  Chairman of the Board

                                              __________________________________
                                                  T. Kent Smith
                                                  Employee

                                       23<PAGE>

                              AGREEMENT NO. 060100

AGREEMENT made as of the fourteenth day of September 2000 by and between
ALICOMP, a division of ALICARE, Inc., with Corporate offices at 730 Broadway,
New York, New York 10003 and Infocrossing Inc. formerly known as Computer
Outsourcing Services, Inc. with offices at 2 Christie Heights, Leonia, NJ 07605
(hereinafter collectively referred to as "ALICOMP") on the one hand, and
Universal American Financial Corporation, with offices at 600 Courtland Street,
Orlando, Florida 32804 (hereinafter referred to as "UAFC") on the other hand.

WHEREAS ALICOMP is the owner of or otherwise in possession of and has the right
and ability to provide certain computer and data processing equipment and/or
services and;

WHEREAS UAFC is desirous of receiving data processing services from ALICOMP; and

WHEREAS ALICOMP is desirous of providing data processing services to UAFC; and

WHEREAS ALICOMP agrees, therefore, to provide UAFC the use of an IBM mainframe
computer, specific software and peripheral equipment as described in Schedules A
and B attached hereto; and

NOW THEREFORE in exchange for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto agree to be
bound as follows:

         1.       SERVICES

                  ALICOMP shall provide to UAFC and UAFC shall pay for data
                  processing services provided by ALICOMP in accordance with the
                  rates set forth in the attached Schedule A. Services other
                  than those set forth in the attached Schedules A and B shall
                  be provided by ALICOMP only upon the written amendment to this
                  Agreement, and shall be provided at ALICOMP's then published
                  rates or other rates to be mutually agreed upon.

         2.       MODE OF PAYMENT

                  (a)      Fixed Monthly Fee invoice pursuant to Schedule A,
                           attached hereto, shall be invoiced 10 days prior to
                           the first day of each calendar month in which
                           services are rendered. Payment shall be due 15 days
                           from the date of the invoice. If the Date of First
                           Productive Use is anticipated to begin on the first
                           day of a calendar month, an invoice shall be sent 10
                           days prior to the anticipated Date of First
                           Productive Use. Payment shall be due 15 days from the
                           date of the invoice.

                  (b)      If the Date of First Productive Use is not the first
                           day of a calendar month, ALICOMP shall send out its
                           first invoice 10 days prior to the anticipated Date
                           of First Productive Use. Payment shall be due 15 days
                           from the date

<PAGE>

AGREEMENT NO. 060100 - continued

                           of the invoice. The Fixed Monthly Fee due under
                           Section 2 (a) for the calendar month immediately
                           following the calendar month in which the Date of
                           First Production Use occurs shall be pro rated to
                           take into account the number of days from the Date of
                           First Productive Use to the end of the calendar month
                           in which the Date of First Productive Use occurs. For
                           the purpose of calculating the appropriate per minute
                           rate for the first month herein, we shall use the
                           baseline per minute rate of $15.04 pursuant to
                           Schedule A attached herein. Any partial month that
                           occurs at the end of this Agreement shall be
                           calculated similarly.

                  (c)      Any credits due to UAFC from the prior month shall
                           promptly be applied to the next Fixed Monthly Fees
                           invoice.

                  (d)      Fees for services beyond those covered by the minimum
                           Fixed Monthly Fees as set forth in Schedule A shall
                           be billed by ALICOMP to UAFC mid-monthly after the
                           services have been provided once a month. Payment
                           shall be due 30 days from the date of the invoice.

                  (e)      If an invoice is not paid timely by UAFC in
                           accordance with the above, UAFC shall be required to
                           and shall pay interest on the unpaid charges at .75%
                           per month, not to exceed the maximum interest
                           permitted by law from the date the payment was due.

                  (f)      In the event that UAFC fails to pay any charges due
                           to ALICOMP within sixty (60) days after the date on
                           which such payment is due, ALICOMP, in its sole
                           discretion, may terminate the Agreement at any time
                           upon thirty (30) days written notice to UAFC,
                           provided that UAFC has not tendered such overdue
                           payment before the expiration of the thirty (30) day
                           notice period. No failure by ALICOMP to terminate the
                           Agreement immediately following the thirty (30) day
                           notice period shall constitute a waiver of its right
                           to terminate the Agreement at any time prior to
                           UAFC's tendering payment in full of any overdue
                           amounts.

         3.       CONFIDENTIALITY

                  3A. No party will divulge any information learned by it
                  concerning the other parties or their customers ("Confidential
                  Information") without the prior written consent of the
                  disclosing party unless the Confidential Information (i) is or
                  becomes publicly available through no wrongful act of the
                  recipient; (ii) was lawfully obtained from third parties which
                  are not obligated to protect its confidentially; (iii) was
                  previously known to the recipient without any obligation to
                  keep it confidential; (iv) was independently developed by the
                  recipient without reference to the Confidential Information;
                  or (v) is required to be disclosed pursuant to the law, court
                  order, regulatory agency or duly authorized subpoena, provided
                  that the recipient promptly notifies the disclosing party
                  prior to compliance with such process and makes diligent
                  efforts to limit such disclosure

                                       2

<PAGE>

AGREEMENT NO. 060100 - continued

                  to that which is reasonably necessary. Each party shall (i)
                  keep all information received from any other party strictly
                  confidential, (ii) use Confidential Information solely for the
                  purposes and in the manner set forth or to enforce this
                  Agreement, (iii) use the same degree of care with respect to
                  the Confidential Information of any other party as it requires
                  with respect to its own or any of its other customer's most
                  confidential information (but in no event less than a
                  reasonable standard of care), and (iv) institute the necessary
                  security policies, procedures and data file security
                  mechanisms to meet its obligations hereunder. ALICOMP will
                  establish and maintain safeguards against the destruction,
                  loss or alternation of UAFC Confidential Information in the
                  possession of ALICOMP.

                  3B. The parties shall only disclose Confidential Information
                  to those of its employees or agents who have a need to access
                  the Confidential Information in performance of the services
                  under this Agreement to access the Confidential Information
                  only for the performance for such services and each party
                  shall require each of its employees, partners, subcontractors,
                  independent contractors, or agents assigned to the performance
                  of duties pursuant to this Agreement, to observe these
                  confidentiality requirements.

                  3C. Any breach of confidentiality by ALICOMP, its employees,
                  partners, independent contractors, agents or representatives
                  shall be deemed a breach of the Agreement. Each party shall
                  provide the other party with prompt notice in the event that
                  it becomes aware of any breach or anticipated breach of any
                  provision of this section 3 by itself, its employees or
                  agents, or any other unauthorized use or disclosure of UAFC
                  Confidential Information. In the event of a material breach or
                  threatened breach by any party, or party's employees, or
                  agents, or the provisions of this Section 3, the other party
                  shall be entitled to injunctive relief. Nothing in this
                  Agreement shall be construed to prevent any party from
                  pursuing any other remedies that it may at law or in equity
                  for any breach or threatened breach of the confidentiality
                  provisions of this Section 3.

                  3D. The provisions of this paragraph shall survive termination
                  or expiration of this Agreement.

         4.       REPRESENTATIONS AND WARRANTIES

                  EXCEPT AS SPECIFICALLY SET FORTH HEREIN ALICOMP MAKES NO
                  REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING
                  WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY OR
                  FITNESS FOR A PARTICULAR PURPOSE. HOWEVER, ALICOMP SHALL BE
                  RESPONSIBLE FOR PROVIDING MAINTENANCE ON ALL COMPUTER HARDWARE
                  AND PERIPHERALS, FACILITY, INCLUDING BUT NOT LIMITED TO UPS
                  AND ELECTRICAL GENERATOR EQUIPMENT, COMPUTER ROOM AIR
                  CONDITIONING, COMMUNICATIONS EQUIPMENT, AND ALL SYSTEM
                  SOFTWARE PROVIDED BY ALICOMP TO UAFC. ALICOMP RETAINS THE

                                       3

<PAGE>

AGREEMENT NO. 060100 - continued

                  UNILATERAL RIGHT TO CHANGE HARDWARE, SOFTWARE AND FACILITIES
                  LOCATION BUT SHALL BE REQUIRED TO PROVIDE EQUIVALENT
                  FUNCTIONALITY AND REDUNDANCY SO THAT CLIENT SOFTWARE RUNS
                  UNMODIFIED AND WITHOUT DISRUPTION. ALICOMP SHALL BEAR ANY
                  ADDITIONAL CHARGES OR FEES RELATED TO A CHANGE IN FACILITIES
                  LOCATION.

         5.       SERVICE LEVELS/PERFORMANCE STANDARDS

                  A.       ALICOMP represents and warrants that it shall use due
                  care in processing all work transmitted to it by UAFC. ALICOMP
                  and its subcontractors shall follow the data processing
                  practices which are reasonable under the circumstances in
                  attempting to limit any damages that may be caused to UAFC.
                  This shall not obligate ALICOMP to upgrade the services or
                  equipment listed in Schedules A and B provided ALICOMP meets
                  or exceeds the service levels in Paragraph 5. ALICOMP will use
                  its best efforts to promptly respond to immediate problems,
                  which ALICOMP knows about, or should know about by using due
                  care or which are brought to its attention.

                  B.       In addition, in the event of any errors attributable
                  to ALICOMP brought to its attention by written notice within
                  15 days from the date of the error, accompanied by reasonable
                  documentation, ALICOMP, as directed by UAFC, shall have 30
                  days from such notice to, at UAFC's sole election, either
                  correct said errors and redo the work or refund or credit the
                  applicable charges.

                  C.       Uptime Guarantees. The above notwithstanding, ALICOMP
                  will use its best efforts subject to Paragraph 14 and 15 to
                  provide the following performance standards.

                           (a)      ALICOMP represents and warrants that System
                  Availability shall not be less than 99.5% of the time per
                  calendar month as measured during primetime. Primetime as used
                  herein shall be the hours between 8:00 AM and 5:00 PM Monday
                  through Friday. Scheduled downtime, which shall not exceed the
                  time mutually agreed to by UAFC and ALICOMP for maintenance,
                  IPL's, and backups or problems caused solely by UAFC, its
                  agents, or third parties, or if the factor is an item covered
                  by force majeure shall not be counted towards system
                  availability calculation. UAFC shall approve scheduled
                  downtime in advance. Approval may not be unreasonably
                  withheld.

                           (b)      ALICOMP warrants and represents that
                  Communication Network Availability shall not be less than
                  99.5% of the time per calendar month as measured during Prime
                  Time. Scheduled downtime which shall not exceed the time
                  mutually agreed to by UAFC and ALICOMP for maintenance, IPL's,
                  and backups or problems caused solely by UAFC, its agents, or
                  third parties, or if the factor is an item covered by force
                  majeure shall not be counted towards system

                                       4

<PAGE>

AGREEMENT NO. 060100 - continued

                  availability calculation. UAFC shall approve scheduled
                  downtime in advance. Approval may not be unreasonably
                  withheld.

                  A clarification of UAFC's communication network and
                  responsibilities regarding the Network is in Schedule B,
                  Section 5, hereto attached.

                           (c)      ALICOMP warrants and represents that CICS
                  internal CPU response time shall be under 1.0 seconds averaged
                  over the period 9:00 a.m. to 5:00 p.m., per calendar month as
                  measured during Prime Time. The above notwithstanding, ALICOMP
                  shall not be responsible for a degradation in CICS internal
                  response time if such degradation is caused by new or modified
                  UAFC application software or other such reasons for a period
                  of five days immediately following such modification or
                  change.

                           (d)      ALICOMP represents and warrants that it
                  shall provide prompt technical support, in accordance with
                  Schedule B attached hereto and incorporated by reference
                  herein, and that ALICOMP shall use best efforts to resolve and
                  correct as promptly as practicable, any system issues,
                  response time problems, throughput problems or downtime. For
                  reporting purposes, in the event that the services have not
                  been provided in accordance with the warranties or performance
                  standards herein, including without limitation throughput,
                  response times, processing times, capacity and downtime,
                  ALICOMP shall, as part of the services, (1) perform a
                  root-cause analysis to identify the cause of such failure, (2)
                  correct such failure, (3) provide UAFC with a written report
                  detailing the cause of and procedure for correcting, such
                  failure within thirty (30) days of the occurrence of such
                  failure and (4) provide UAFC with reasonable evidence that
                  such failure will not reoccur.

                           (e)      ALICOMP represents and warrants that the
                  operating system software as reflected in Schedule A Item 1
                  attached hereto and services supplied by ALICOMP to UAFC
                  hereunder: (1) do not contain any viruses, time bombs, or
                  other devices capable of disabling or interfering with UAFC's
                  other systems; (ii) provides the functions and performs in
                  accordance with the user documentation and all other operating
                  system software documentation supplied by ALICOMP to UAFC
                  therefore; (iii) is substantially free from defects in
                  materials and workmanship.

                  D.       (a)      Following any significant upgrades or
                  changes by ALICOMP, ALICOMP shall closely monitor with UAFC
                  the impact of said upgrades or changes. The two (2) days
                  immediately following said upgrades or changes shall not be
                  counted towards calculating system availability, communication
                  network availability, CICS internal CPU response time, or in
                  the calculation or measurement of damages.

                           (b)      Following any significant upgrades or
                  changes by UAFC, such as additional on-line users and
                  application software upgrades, ALICOMP shall

                                       5

<PAGE>

AGREEMENT NO. 060100 - continued

                  closely monitor with UAFC the impact of said upgrades or
                  changes. The five (5) days immediately following said upgrades
                  or changes shall not be counted towards calculating system
                  availability, communication network availability, CICS
                  internal CPU response time, or in the calculation or
                  measurement of damages.

         6.       REMEDIES AND DEFAULTS

                  A.       Upon any material breach of this Agreement or any
                  series of breaches that collectively constitute a material
                  breach of this Agreement by ALICOMP, UAFC shall give immediate
                  notice followed by written confirmation to ALICOMP stating
                  with reasonable specification the nature of such material
                  breach. Failure to meet the 99.5% systems availability in any
                  three consecutive calendar months or if system uptime does not
                  meet a minimum standard of 95% in any calendar month then
                  there shall be deemed a material breach except if the failure
                  is due to a cause set forth in Paragraph 14 or to any other
                  cause not directly attributable to ALICOMP. ALICOMP shall,
                  where the breach has a material adverse impact on UAFC,
                  immediately initiate Emergency Services as defined in Schedule
                  B, to correct the breach and continue these efforts by
                  reasonable means in order to correct the breach. In the event
                  the material breach is not remedied within five (5) days of
                  the receipt of written notice, UAFC may at UAFC's sole
                  discretion, give ALICOMP a thirty (30) day written notice of
                  its intent to terminate this Agreement. If the material breach
                  is cured within such thirty (30) day period after notice is
                  given prior to termination, UAFC may, at its sole discretion,
                  advise ALICOMP of its intention not to terminate this
                  Agreement by giving ALICOMP reasonable notice of such intent
                  as soon as practicable under the circumstances. If UAFC elects
                  to terminate this Agreement, ALICOMP shall fully cooperate in
                  UAFC's migration to a new arrangement and provide the
                  Termination Assistance itemized in Paragraph 7.
                  Notwithstanding such termination, ALICOMP shall be required to
                  continue to provide at UAFC's sole determination the Services
                  at a prorated daily usage rate.

                  B.       The parties have recognized and agreed that the
                  damages which UAFC would sustain in the event that ALICOMP
                  fails to make the computer and communications network
                  available in accordance with the requirements of Paragraph 5,
                  or fails to make the Applications available, or fails to meet
                  the Internal Response Times all as set forth in Paragraph 5 of
                  this Agreement would be difficult to measure, and have agreed
                  to the following formula for the calculation of such damages
                  as their best estimate of the calculation of such damages and
                  not as a penalty.

                           (a)      Computer, Applications or data network
                  unavailability:

                           Pursuant to Paragraphs 5A, 5B, and/or 5.C and
                           Paragraph 14 of this Agreement there shall be no
                           damages for any month in which the computer,
                           Applications or data network is available to UAFC for
                           ninety-

                                       6

<PAGE>

AGREEMENT NO. 060100 - continued

                           nine and one half percent (99.5%) of the time
                           irrespective of what times during the month the
                           computer, Applications, or data network is
                           unavailable. If the computer, Applications or data
                           network is unavailable for more than one-half of a
                           percent (.5%) of the prime time during any month and
                           ALICOMP is the cause of such unavailability, while
                           such unavailability shall not be deemed a material
                           breach of this Agreement, provided that such
                           unavailability does not exceed .5% for three
                           consecutive months, then for each hour of the time
                           during that month that the computer, application or
                           data networks is unavailable beyond one-half (.5%) of
                           a percent of the prime time the fees for that month
                           that would otherwise be due to ALICOMP shall be
                           reduced by the sum of two thousand dollars ($2,000)
                           for each hour of prime time downtime and the sum of
                           five hundred dollars ($500) for non-prime downtime
                           (prorated to the nearest quarter hour), for which the
                           computer, Applications and data network is
                           unavailable.

                           (b)      In no event shall the damages set forth in
                           6.B.(a) in the aggregate for any month exceed the
                           amount of the fees otherwise due to ALICOMP for that
                           month and the previous three months.

         7.       TERMINATION RIGHTS

                  A.       Termination Services with Breach. Upon any
                  termination of this Agreement for any material breach by
                  ALICOMP, ALICOMP shall provide to UAFC services and
                  assistance, at no additional cost to UAFC, necessary to enable
                  UAFC at UAFC's option either (i) to commence performance of
                  the Services; or (ii) to enter into all agreements with third
                  parties necessary to enable such third parties to provide to
                  UAFC the services and to commence providing the Services to
                  UAFC. These services are:

                  a.       Pre-Migration Services

                           (i)      Freezing all non-critical changes to
                                    Software;

                           (ii)     Notifying all outside vendors of procedures
                                    to be followed during the turnover phase;

                           (iii)    Reviewing all Software libraries (tests and
                                    production) with new service provider;

                           (iv)     Analyzing space required for the databases
                                    and Software library;

                           (v)      Generating a tape and computer listing of
                                    the Source Code in a form reasonably
                                    requested by UAFC; and

                           (vi)     Providing training to new operations staff.

                                       7

<PAGE>

AGREEMENT NO. 060100 - continued

                  b.       Migration Services

                           (i)      Unloading the production databases;

                           (ii)     Delivering tapes of production databases
                                    (with content listing) and all items listed
                                    in Paragraph 8 to new operations staff;

                           (iii)    Assisting with the loading of the databases;

                           (iv)     Assisting with the telecommunications
                                    turnover; and

                           (v)      Assisting in the execution of a parallel
                                    operation.

                  c.       Post-Migration Services

                           (i)      Consulting support on an "as needed" basis
                                    for up to ninety (90) days as may be
                                    requested by UAFC; and

                           (ii)     Turnover of any remaining reports and
                                    documentation still in the possession of
                                    ALICOMP.

                  B.       Termination without Breach - upon termination of this
                  Agreement for other than material breach, ALICOMP shall be
                  obligated to provide at UAFC's sole option migration services
                  and assistance as described in Paragraph 7A(a) above at the
                  then published rates for such services plus reimbursement for
                  reasonable travel and lodging.

         8.       DUPLICATE FILES

                  ALICOMP shall exercise due care over materials, programs and
                  data which belong to UAFC but which are in ALICOMP's
                  possession. In the event of loss or damage to such items
                  attributable to ALICOMP, ALICOMP, at its own expense, will
                  regenerate the lost data from duplicate copies of files (if it
                  is a file UAFC, or its agent, directed ALICOMP make duplicates
                  of) or from copies of the original source material or data
                  provided by UAFC. It shall be and remain ALICOMP's
                  responsibility to maintain such duplicate copies of all UAFC's
                  programs and data at an off site location according to a
                  schedule to be mutually determined and ALICOMP shall keep such
                  items in strict confidence in accordance with its obligations
                  under Section 3 of this Agreement. ALICOMP shall keep in a
                  separate and safe place backup copies of UAFC data and all
                  software required for processing or additional tapes or disks
                  necessary to reproduce all such UAFC data. ALICOMP shall
                  provide daily backup copies of data and programs for use at a
                  disaster recovery facility. ALICOMP shall use reasonable care
                  to minimize the likelihood of all damage, loss of data, delays
                  or errors resulting from an uncontrollable event, and should
                  such damage, loss of data, delays or errors occur, ALICOMP
                  shall use its best efforts to mitigate the effects of such
                  occurrence.

                                       8

<PAGE>

AGREEMENT NO. 060100 - continued

                  ALICOMP shall deliver to UAFC a weekly backup tape of all the
                  UAFC's data and necessary software.

                  Further, ALICOMP will be solely responsible to implement
                  system back-ups daily and weekly as instructed by UAFC that in
                  UAFC's opinion will assure full recovery to a point in time
                  not more than 24 hours back. ALICOMP shall be responsible for
                  providing recovery operations to restore the data promptly.

         9.       LIMITATION OF LIABILITY

                  9A.      Except as otherwise expressly provided in this
                  Agreement or Schedules, ALICOMP shall not be liable for any
                  claim or damage arising from any defect in services or
                  equipment hereunder or from interruption or loss of use
                  thereof, or from any other cause except for direct loss
                  resulting front the fault or negligence of ALICOMP, its
                  employees, subcontractors or agents. ALICOMP's liability for
                  direct damages under this Agreement for any breach or series
                  of breaches including damages set forth in Paragraph 6 shall
                  not, in any event, exceed the total of the billing for the
                  month in which the loss is alleged to have occurred and the
                  prior three months. Except for UAFC's breach of its
                  confidentiality obligations hereunder, UAFC's liability for
                  direct damages under this Agreement shall not exceed the
                  amounts owed by UAFC under this Agreement which remain unpaid
                  at the time of the loss or damage. Except as otherwise
                  provided herein, neither UAFC nor ALICOMP shall be liable for
                  indirect, special or exemplary damages nor shall it be liable
                  for consequential damages, including but not limited to, loss
                  of anticipated profits or other economic loss in connection
                  with the services rendered hereunder.

                  9B.      ALICOMP shall not be responsible for any application
                  of the results obtained from the use of any computer programs
                  or for the unintended or unforeseen results obtained by UAFC
                  in the use of such programs even if such application or result
                  was or is foreseeable.

                  9C.      ALICOMP's maximum liability in the aggregate arising
                  out of or relative to this Agreement, for any cause or causes
                  whatsoever including damages under Paragraph 6, and regardless
                  of the form of action (whether in contract or in tort,
                  including negligence) shall be limited to direct damages in
                  the aggregate up to an amount equal to the total of the prior
                  six month's billing.

                  9D.      (a) The terms and limitations of paragraphs 6(b),
                  9(A) and/or 9(C) not withstanding, if UAFC sustains direct
                  damages exceeding the amounts set forth in such paragraphs
                  UAFC may assert a claim against ALICOMP for such excess
                  damages provided however that any judgment or arbitration
                  award obtained on such a claim (herein the Excess Judgment)
                  may be enforced only to the following extent: (1) that ALICOMP
                  receives payment of insurance proceeds with respect to such
                  Excess Judgment under the Errors and Omissions, General
                  Liability and Employee Fidelity Insurance required to be
                  carried under Section 20 below, or

                                       9

<PAGE>

AGREEMENT NO. 060100 - continued

                  that the carrier of any such insurance pays such Excess
                  Judgment directly to UAFC or to ALICOMP to fund or reimburse
                  such payment; or (2) if ALICOMP's insurance carrier(s)
                  declines to pay the Excess Judgment because (i) such insurance
                  is not in force because of acts or omissions of ALICOMP in
                  breach of its obligations hereunder or (ii) of the lack of
                  cooperation of ALICOMP, then to the extent that such insurance
                  would have been payable absent such breach or lack of
                  cooperation. If ALICOMP's insurance carrier(s) decline to pay
                  the Excess Judgment for any other reason, any sums in excess
                  of the amounts set forth in paragraphs 6(b), 9(A) and/or 9(C),
                  ALICOMP shall assign to UAFC its rights, if any, against the
                  carrier(s) and UAFC may at its sole expense bring an action
                  against the carriers to force the carrier(s) to pay any
                  additional sums as a court of competent jurisdiction may find
                  are due and owing under the terms of the policy(ies). ALICOMP
                  shall cooperate with UAFC in any such suit. Upon payment to
                  UAFC of the amounts due to it under this paragraph 9(D)(a) or
                  upon a final determination that the carrier(s) have no
                  liability for Excess Judgment, UAFC shall provide ALICOMP with
                  a satisfaction of the Excess Judgment and a release of any and
                  all claims with respect to the Excess Judgment except under
                  paragraph 6(b), 9(A) and 9(C), despite UAFC's lack of recovery
                  and the limitations set forth in paragraphs 6(b), 9(A) and/or
                  9(C) shall govern and apply and upon payment of the sums due
                  in paragraphs 6(b), 9(A) and 9(C), shall provide ALICOMP with
                  a satisfaction of judgment and release of all claims under
                  such paragraphs.

                  (b)      For the purposes of this paragraph, in determining
                  the amount of payments made by ALICOMP's insurance carrier(s)
                  any payment made by the carrier(s) to or on behalf of ALICOMP
                  or to reimburse ALICOMP for any damages paid in satisfaction
                  of the damages limitations set forth in paragraphs 6(b), 9(A)
                  and or 9(C) shall not be taken into account. For example. If
                  ALICOMP became liable to compensate UAFC for six months' worth
                  of fees and the fees were $100,000 per month, if ALICOMP
                  and/or its carrier on ALICOMP's behalf paid the $600,000 to
                  UAFC and the carrier could not be made to pay any additional
                  sums then UAFC could not look to ALICOMP to pay any additional
                  sums as damages. If, however, UAFC could prove direct damages
                  of $800,000 and the carrier actually pays a total of $700,000
                  UAFC would be entitled to an additional $100,000.

         10.      PRINTING

                  The computer equipment provided by UAFC shall include all
                  equipment necessary for the printing of all output at UAFC's
                  sites.

         11.      MODIFICATION OF PROCEDURES

                  ALICOMP may, in its reasonable discretion, modify its
                  procedures for providing the services, so long as such
                  modification shall not affect ALICOMP's ability to meet the
                  services as set forth in this Agreement. ALICOMP agrees to
                  notify UAFC in advance of any such changes.

                                       10

<PAGE>

AGREEMENT NO. 060100 - continued

         12.      UAFC RESPONSIBILITY

                  A.       UAFC shall be responsible to provide, at its sole
                  cost, training as required, to ALICOMP technical support and
                  operations personnel during migration and anytime thereafter
                  UFAC makes any change to the system. This will consist of the
                  performance of duties currently performed by UAFC that are
                  specific and unique to UAFC application(s).

                  B.       All telecommunications lines and devices that are
                  utilized to provide the services herein must be approved by
                  ALICOMP. Such approval not be be unreasonably withheld. If
                  telecommunications lines and devices have been disapproved by
                  ALICOMP, then ALICOMP shall have no liability for the results
                  flowing from the use of such equipment.

                  C.       UAFC provisions the frame relay network and provides
                  all networking devices, including devices to be located at the
                  Alicomp data center. This includes the channel-attached Cisco
                  7x00 router that UAFC currently uses at one of its existing
                  data center sites or an equivalent new Cisco
                  channel-attachable router.

                  D.       Communications network that delivers data to desktop
                  and desk top devices.

                  E.       UAFC shall be required to provide all reasonable
                  resources and equipment necessary to support:

                  F.       Application Support, Testing, Maintenance

                  G.       All printing at UAFC offices

                  H.       Any other equipment or service not included in
                  Schedule A, Section 1

                  I.       File Size and File Reorg Maintenance for Applications

                  J.       Notice of Proposed Changes. UAFC shall provide to
                  ALICOMP any information in its possession that may help
                  ALICOMP to prepare for any Changes that will be requested by
                  UAFC.

         13.      NON-SOLICITATION

                  During the term of this Agreement and for a period of ninety
                  (90) days thereafter, ALICOMP will not accept for employment
                  any employees or contractors of UAFC and/or its affiliates.
                  UAFC will not accept for employment any employees or
                  contractors of ALICOMP or its affiliated companies who have
                  been providing the services to UAFC hereunder.

                                       11

<PAGE>

AGREEMENT NO. 060100 - continued

         14.      FORCE MAJEURE

                  ALICOMP shall not be liable for any failure to perform its
                  obligations under this Agreement if prevented from doing so by
                  a cause or causes beyond its reasonable control, such as acts
                  of God, war, fire, explosion, earthquake, flood, elements,
                  weather, governmental order or regulation, acts of public
                  enemies, however, ALICOMP shall be responsible for providing
                  the services under the terms in Paragraph 15 hereunder. The
                  above notwithstanding, ALICOMP shall be responsible for
                  providing the services herein pursuant to Paragraph 5, no
                  later than 120 hours (5 days) from the Disaster Declaration
                  pursuant to Paragraph 15 below.

         15.      DISASTER RECOVERY

                  ALICOMP shall have a disaster recovery program included with
                  Schedule B that will be activated if service would otherwise
                  be interrupted for 48 or more consecutive hours. ALICOMP
                  agrees that it shall give UAFC its best estimate of when the
                  system and services will be available to UAFC within two (2)
                  hours of a disaster. In the event that ALICOMP anticipates
                  that service will be continuously interrupted for a period of
                  less than 48 hours, at UAFC's request, ALICOMP will declare a
                  disaster and invoke its disaster recovery procedures if the
                  interruption will otherwise exceed 24 hours. UAFC shall be
                  responsible for declaration fee and usage fees if the
                  interruption has a duration of less than 48 hours. If the
                  interruption in fact has a duration of 48 or more hours, UAFC
                  will be released of the responsibility of paying the
                  declaration and usage fees. ALICOMP will arrange for a
                  disaster recovery test, at no additional cost to UAFC, no less
                  than once every 12 months. UAFC shall be responsible for
                  developing its disaster recovery plan with ALICOMP, including
                  but not limited to critical data, Applications, and
                  telecommunications. UAFC will also be expected to work with
                  ALICOMP to test and, if necessary, recover from a disaster.
                  ALICOMP shall maintain at all times during the Agreement a
                  subscription for a HotSite with a reputable vendor. If vendor
                  is not Comdisco, ALICOMP must receive written approval from
                  UAFC. Such approval not to be unreasonably withheld.

         16.      CONTRACT TERM

                  This Agreement shall commence on or about January 15, 2001,
                  the Date of First Productive Use, and shall continue for 60
                  consecutive months, except as provided herein.

         17.      AUTOMATIC RENEWAL

                  Following the end of the Initial Term, the term of this
                  Agreement shall be automatically renewed for consecutive one
                  year terms unless and until either party has provided the
                  other with six (6) months prior written notice of nonrenewal.

                                       12

<PAGE>

AGREEMENT NO. 060100 - continued

         18.      ASSIGNMENT

                  No party may assign its rights nor delegate it duties under
                  this Agreement without obtaining the prior written consent of
                  the others, such consent not to be unreasonably withheld. The
                  above notwithstanding, a party's consent will not be required
                  if this Agreement is assigned to UAFC's affiliates or if
                  either party is sold or merged together with and as part of
                  its entire assets, business and goodwill as a going concern
                  and on the condition that upon such assignment, the assignee
                  shall be subject to all the terms and conditions of this
                  Agreement. ALICOMP is the prime contractor under this
                  Agreement and as such, ALICOMP assumes full responsibility for
                  the entire performance, and all acts and omissions, of any and
                  all suppliers, subcontractors or third parties under this
                  Agreement.

         19.      DISPUTE RESOLUTION

                  a.       Arbitration. If the parties fail to resolve a dispute
                           after sixty days of good faith negotiations, except
                           as otherwise provided in this Agreement, all claims,
                           disputes, controversies and other matters in question
                           between the parties to this Agreement that cannot be
                           resolved by the parties and which involve damages of
                           $600,000 or less shall be resolved by binding
                           arbitration in accordance with the commercial rules
                           of the American Arbitration Association ("AAA"). Such
                           arbitration proceeding shall be held in New York, New
                           York, unless the parties agree otherwise, and all
                           disputes shall be governed by, and decided in
                           accordance with, the laws of the State of New York,
                           without regard to conflicts of law principles. Either
                           party may serve upon the other by certified mail a
                           written demand that a claim, dispute or controversy
                           be submitted to arbitration. The demand shall specify
                           in reasonable detail the nature of the claim, dispute
                           or controversy and shall be made within a reasonable
                           time after the claim, dispute or controversy has
                           arisen and after completion of the good faith
                           negotiations described above. In no event shall the
                           demand for arbitration be made more than six (6)
                           months after the claim or cause of action arises.
                           Within thirty (30) days after service of a demand for
                           arbitration, the parties shall attempt to agree upon
                           a single arbitrator. In the event that they are
                           unable to do so, either party may request that the
                           AAA provide a list of arbitrators. If, within thirty
                           (30) days from receipt of such list, the parties fail
                           to agree upon an arbitrator named on such or, for any
                           reason, the appointment cannot be made from such
                           list, then the arbitrator shall be appointed by the
                           AAA. The parties acknowledge that despite the
                           provisions of the commercial arbitration rules, the
                           parties shall each be entitled to the full range of
                           discovery as would otherwise be available under the
                           laws and rules for civil litigation in the courts of
                           the State of New York. In the event that any dispute
                           in the interpretation or enforcement of any and/or
                           all terms of this Agreement leads to arbitration, the
                           prevailing party in the arbitration shall be entitled
                           to recover its costs,

                                       13

<PAGE>

AGREEMENT NO. 060100 - continued

                           including attorneys' fees. The award of the
                           arbitrator or arbitrators may be enforced as a
                           judgment in any court of competent jurisdiction.

                  b.       Award. The written decision of the arbitrator shall
                           be final and binding upon the parties so long as the
                           damages sought by any party do not exceed $600,000.

         20.      INSURANCE

                  ALICOMP shall procure and maintain throughout the term of this
                  Agreement, at its sole cost and expense, at least the
                  following types and amounts of insurance coverage:

                  A.       Commercial General Liability Insurance (including
                           premises/operations liability, independent
                           contractors liability, contractual liability, product
                           liability, completed operations liability, broad form
                           property damage liability, personal injury liability,
                           and extended bodily injury and death coverage) in a
                           minimum amount of two million dollars ($2,000,000)
                           per occurrence and four million dollars ($4,000,000)
                           aggregate combined single limit for bodily injury
                           (including death, personal injury, or property
                           damage).

                           a.       Fidelity Employee Insurance including
                                    Computer Crime Insurance providing coverage
                                    for direct or indirect loss to UAFC
                                    including any loss of money, securities, or
                                    property other than money or securities to
                                    clients and any legal liability of UAFC
                                    arising out of or related to fraudulent or
                                    dishonest acts committed by the employees of
                                    ALICOMP or its subcontractors, whether
                                    identified or not acting alone or in
                                    collusion with others, in a minimum amount
                                    of five million dollars ($5,000,000) with
                                    full indemnification of UAFC.

                  B.       Umbrella Liability Insurance in minimum of two
                           million dollars ($2,000,000).

                  C.       Workers Compensation Insurance covering ALICOMP's
                           employees in an amount not less than the limits
                           required by law and Employers Liability Insurance
                           covering ALICOMP's employees in an amount not less
                           than five hundred thousand dollars ($500,000) per
                           occurrence.

                  D.       Errors and Omissions Insurance of two million dollars
                           ($2,000,000).

         21.      GOVERNING LAW

                  This Agreement shall be governed by the laws of the State of
                  New York without regard to its conflict of law rules.

                                       14

<PAGE>

AGREEMENT NO. 060100 - continued

         22.      AGREEMENT

                  A.       This Agreement supersedes all prior proposals, and
                  Agreements oral or written, and all previous negotiations and
                  all other communications or understandings between the parties
                  with respect to the subject matter hereof. This Agreement sets
                  forth the sole and entire understanding between the parties
                  with respect to the subject matter and may not be modified in
                  any manner except in writing specifically referring to this
                  Agreement and signed by an authorized representative of each
                  party.

                  B.       Schedules A and B are hereby incorporated by
                  reference and shall be considered valid and enforceable as if
                  a part of this Agreement.

         23.      NOTICES

                  Any notices to be provided hereunder shall be sent by
                  Certified Mail Return Receipt Requested and shall be addressed
                  as follows or as may later be designated in writing:

                  If to ALICOMP:

                  ALICOMP, a division of ALICARE, Inc.
                  2 Christie Heights
                  Leonia, New Jersey 07605
                  Attn.: Arthur Kurek, President

                  cc: Lorraine Drake, Executive Vice President

                  cc: Infocrossing Inc.
                  2 Christie Heights
                  Leonia, New Jersey 07605

                  Attn.: Robert Wallach

                  If to UAFC

                  Universal American Financial Corporation
                  600 Courtland Street
                  Orlando, Florida 32804
                  Attn.: George Eldridge, Chief Information Officer

                  cc: Gary Bryant, Chief Operating Officer
                      Senior Vice President

                  Notice shall be deemed given five days after mailed in a
                  postage paid addressed envelope.

                                       15

<PAGE>

AGREEMENT NO. 060100 - continued

         24.      TAX COOPERATION

                  As of the signing of this Agreement ALICOMP is not aware of
                  any sales or use tax with regard to the providing of computer
                  outsourcing services. However, if any jurisdiction requires a
                  sales or use tax be imposed on this type of service in the
                  future, UAFC, provided it is notified of such tax in writing
                  by ALICOMP prior to such tax becoming due, will be responsible
                  for payment of such tax, unless either party presents
                  appropriate documentation of resale or exemption.

         25.      AUTHORITY

                  UAFC represents and warrants as follows:

                  A.       Authority: UAFC has all power and authority necessary
                           to enter into and perform its obligations under this
                           Agreement and, upon execution and delivery, this
                           Agreement shall be a legal, valid and binding
                           obligation of it, enforceable against it in
                           accordance with its terms.

                  B.       Infringement: the use of UAFC Software in accordance
                           with the terms of this Agreement does not and shall
                           not infringe upon or misappropriate any intellectual
                           property right of any third party and that no such
                           claim (whether or not embodied in an action, past or
                           present) has been made to, or is pending against, it
                           or, to the best of its knowledge, any other entity.

                  C.       Disclaimer of Further Warranty. Except as expressly
                           set forth herein, no party makes any other warranty,
                           express or implied, and both parties disclaim the
                           implied warranties of merchantability or of fitness
                           for a particular purpose.

         26.      INFRINGEMENT

                  The use of the Hardware and the Third Party Software in
                  accordance with the terms of this Agreement and the
                  performance of the Services do not and shall not infringe upon
                  or misappropriate any intellectual property right of any third
                  party and no such claim (whether or not embodied in an action,
                  past or present) has been made to, or is pending against, it
                  or, to the best of its knowledge, any other entity.

         27.      SEVERABILITY: NO WAIVER; REMEDIES; HEADINGS

                  If any provision of this Agreement, or portion thereof, is
                  held by a court of competent jurisdiction to be unenforceable,
                  that provision shall be enforced to the maximum extent
                  permissible so as to affect the intent of the parties, and the
                  remaining provisions of this Agreement will remain in full
                  force and effect. The waiver or failure of either party to
                  exercise any right in any respect provided for herein shall
                  not be deemed a waiver of any further right hereunder. Except
                  as

                                       16

<PAGE>

AGREEMENT NO. 060100 - continued

                  otherwise set forth herein, the rights and remedies of either
                  party set forth in this Agreement are not exclusive and are in
                  addition to any other rights and remedies available at law or
                  in equity. The headings used in this Agreement have been
                  inserted for convenience of reference only and do not
                  constitute matters to be considered in interpreting this
                  Agreement.

         28.      JOINT AND SEVERAL LIABILITY

                  Except as expressly specified herein, ALICOMP, a division of
                  ALICARE, Inc. and Infocrossing, Inc. who shares facilities,
                  hardware, software, and staff, shall both be responsible for
                  the performance of this Agreement, jointly and severally.

         29.      FINANCIAL UNDERTAKING

                  By execution of this Agreement, ALICO Services Corporation
                  (ASC) guarantees the financial obligation of ALICOMP. ASC
                  shall not be deemed to be a party to this Agreement for any
                  other purpose.

ALICOMP, a division of ALICARE, Inc.    Universal American Financial Corporation

BY: ________________________________    BY: ____________________________________

Date________________________________    Date____________________________________

Infocrossing Inc.                       ALICO Services Corporation

BY: ________________________________    BY: ____________________________________

Date________________________________    Date____________________________________

                                       17

<PAGE>

                                   SCHEDULE A
                              to Agreement # 060100
                         PRICING AND PRICING COMPONENTS

The Fees of Schedule A herein will be paid in accordance with Paragraphs 2, 16,
and 17 of this Agreement.

         1.       PRICING COMPONENTS INCLUDED IN FIXED MONTHLY FEE:

         -        CPU - an IBM CMOS RX4 or RX5 processor with appropriate cache
                  and channels.

         A.       For first six full calendar months, minimum billing shall be
                  based on baseline (6,400 minutes and 165 Gigabytes of DASD per
                  month at a rate of $15.04 per minute or $96,256).

         -        After the first six full calendar months, the Fixed Monthly
                  Fee will be calculated to reflect actual utilization as shown
                  in 1D below:

         -        Pricing Schedule:

<TABLE>
<CAPTION>
IF UTILIZATION REACHES (PER MONTH)                        FIVE YEAR CONTRACT             DASD ALLOWANCE
----------------------------------------------------------------------------------------------------------
<S>                                                   <C>                              <C>
Above 9,111                                           $12.21 per month per             Up to 300 Gigabytes
                                                      minute ($146.50 annually)
----------------------------------------------------------------------------------------------------------
Between 7,501 and 9,111                               $13.63 per month per             Up to 220 Gigabytes
                                                      minute ($163.50 annually)
----------------------------------------------------------------------------------------------------------
Between 4,000 - 7,500 CPU minutes                     $15.04 per month per             Up to 165 Gigabytes
(Baseline is 6,400 per month)*                        minute ($180.50 annually)
----------------------------------------------------------------------------------------------------------
Between 2,000 - 3,999                                 $21.71 per month per minute      Up to 120 Gigabytes
                                                      ($260.50 annually)
----------------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
Below 2,000 CPU minutes (Minimum)                Monthly Fee                      DASD Allowance
---------------------------------------------------------------------------------------------------
<S>                                              <C>                            <C>
Year 1                                             $41,667                      Up to 100 Gigabytes
---------------------------------------------------------------------------------------------------
Year 2                                             $41,667                      Up to 100 Gigabytes
---------------------------------------------------------------------------------------------------
Year 3                                             $30,000                      Up to 100 Gigabytes
---------------------------------------------------------------------------------------------------
Year 4                                             $30,000                      Up to 100 Gigabytes
---------------------------------------------------------------------------------------------------
Year 5                                             $20,000                      Up to 100 Gigabytes
---------------------------------------------------------------------------------------------------
</TABLE>

* "Baseline Utilization" for the purpose of this Agreement shall be UAFC'c
current utilization of approximately 6,400 minutes at $15.04 per minute per
month or $96,256 and 165 Gigabytes of DASD.

<PAGE>

         B.       CPU also includes unlimited:

         -        TSO Connect Time (MVS)

         -        Tape Mounts

         -        Tape Excp

         -        DASD Excp

         -        Remote Printing

         C.       DASD - EMC Symetrix per Item 1D of Schedule A. Additional DASD
         can be added dynamically without interruption, at any time, on demand,
         as needed.

         DASD above allowance - $100 per Gigabyte per month.

         D.       Tape - IBM VTS (is available)
                         IBM 3490 (8 Transports)
                         IBM 3480 (24 Transports)
                         3420 Round Reel Drives (if required)
                         Transports on IBM 3480, 3490, VTS
                         Server Facilities

         -        Communications and appropriate peripherals provided by UAFC

         E.       Administrative, Operational and technical personnel to provide
                  services.

         F.       Disaster Recovery - Migration of UAFC's existing mainframe
                  plan into ALICOMP's disaster recovery program.

         G.       Mainframe Services - Alicomp Provided See Appendix A

         H.       System Software Responsibility - See Appendix

         I.       Applications anticipated from UAFC supported by ALICOMP will
                  be:

                  ABC/CDS
                  CAPSULE 4
                  DL
                  Proprietary Commission System
                  ClaimFacts
                  GroupFacts
                  CK4
                  Proprietary Claims System
                  Several Ancillary Support Systems

                                       2

<PAGE>

AGREEMENT NO. 060100 Schedule A - continued

                  There will be NO ONE TIME COSTS for migration, installation,
                  cutover or termination of UAFC's processing except for the
                  reimbursement of ALICOMP's reasonable out-of-pocket expenses
                  for travel and lodging of its technical staff.

                  One time Migration to a Virtual Tape Server (VTS) system would
                  be provided for an additional cost based upon your
                  requirements.

         J.       Value Added Services: Value added services at no additional
                  charge include Migration Consulting; DASD Monitoring and
                  Archiving processes and procedures; Help Desk Interface;
                  Information Exchange from Leonia New Technology R&D Program
                  (i.e. technical assistance in the evaluation and selection of
                  hardware/software platforms in support of client/server
                  applications, Internet Services such as in-house Web Site
                  production platform options for Home Page Listing and content
                  development, and Communication Protocol advancement. R&D
                  results will be available to as part of this offering.

                  Management practices are in place regarding daily operational
                  services, security and recovery procedures. Operational and
                  monitoring support for bridges/routers and WAN links,
                  technical practices for change control, problem management,
                  performance and tuning, technology awareness, and service
                  level management for both mainframe and related
                  server/router/gateway support are included. Our 7 days a week,
                  24 hours a day Customer Service "Help Desk" is available via
                  an "800" number for problem analysis, resolutions, and service
                  questions.

                  We will prepare and provide UAFC with a migration plan showing
                  the milestones that would be met by January 15, 2001 within 30
                  days of the signing of this Agreement.

         2.       PRICING COMPONENTS NOT INCLUDED IN MONTHLY FIXED FEE:

                  -        Application Support, Testing, Maintenance

                  -        Transfer fees for Software, if any

                  -        SAS Software License

                  -        Cost of communication Network and Hardware not
                           otherwise included herein

                  -        Intra Office Disaster Recovery

                  -        Intra Office Data Communications

         3.       PROMPT NOTICE OF INCREASING OR DECREASING RESOURCE
                  REQUIREMENTS FOR ALICOMP'S LONG TERM PLANNING:

<PAGE>

AGREEMENT NO. 060100 Schedule A - continued

                  In order for ALICOMP to plan for UAFC's future resource
                  requirements and to best meet UAFC's needs pursuant to
                  Paragraphs of Schedule A, in the event that UAFC determines or
                  has knowledge that there is a substantial likelihood that it
                  will require either less or more MIPS, DASD, or other
                  resources as of any date, UAFC shall give prompt notice of
                  such potential increase or reduction after making such
                  determination. Such notice shall be given verbally and then in
                  writing.

ALICOMP                                 Universal American Financial Corporation

BY:________________________________     BY:_____________________________________

Date_______________________________     Date:___________________________________

Infocrossing Inc.                       ALICO Services Corporation

BY:________________________________     BY______________________________________

Date_______________________________     Date____________________________________

                                       2

<PAGE>

                                   SCHEDULE B
                              to Agreement # 060100

A.       TECHNICAL ENVIRONMENT

1.       FACILITY:

[X] DESCRIPTION - UAFC facilities management contract will be operated from a
new, stand alone facility which is located at Two Christie Heights, Leonia, New
Jersey. The facility offers 67,000 sq. ft. of space, of which over 30,000 sq.
ft. is 18" raised floor with a tape library that can accommodate over 200,000
tapes.

[X] REDUNDANCIES - The facility receives its primary power from PSE&G. In the
event power from PSE&G is disrupted in any way on in-line 750 KVA UPS systems
will keep the computer room powered for thirty seconds, at which time a 1750 KW
and a 500 KW generator will provide full electrical power for an unlimited
period of time with diesel fuel deliveries as required. UPS and generator
testing and maintenance is done off-line monthly. Data TEC Corporation will be
providing UPS maintenance and Cummings Corporation, generator maintenance.
Service contracts require turn around in less than two hours whether prime or
off prime shift. Air conditioning for the computer room is provided through a
redundant set of thirteen (13) Liebert 20 ton air conditioners, any two of which
can provide full cooling requirements under any conditions. Each of the three
units has a standby compressor, if the primary units should fail. Temperature,
humidity, smoke and moisture detection equipment will provide us with
instantaneous telemetry should any system fail, maintenance provided by
Stillwell Hanson Corporation. These environmental systems will be monitored 24
hours per day, 7 days per week and will also call out to the appropriate
service/emergency provider as well.

2.       CPU:

[X] DESCRIPTION - ALICOMP will be utilizing IBM's CMOS 9672-RX processor for
UAFC. All I/O devices, where applicable, will be ESCON attached providing
transfer rates up to three (3) times faster than standard parallel channels.

[X] REDUNDANCIES - The IBM 9672-RX processor provides full redundancy within its
own complex by keeping at least two of five processors available as standby
processor should any of the three primary processors fail. There will also be a
separate 9672-RX backup processor for UAFC backup environment.

<PAGE>

AGREEMENT NO. 060100 - continued

3.       DASD:

[X] DESCRIPTION - ALICOMP will be utilizing EMC Symetrix Raid-S DASD for UAFC,
model number 5700 or equivalent. EMC Symetrix DASD is the most reliable DASD
available in the marketplace today.

[X] REDUNDANCIES - EMC 5700 DASD or equivalent provides for full redundancy as
follows: For each volume of Primary DASD, there is another volume empty and
waiting. If the device senses any malfunction, it dynamically transfers the
volume's files to the backup volume and calls out for service. DASD uses
multiple channel paths. If a channel malfunctions, the traffic would dynamically
revert to other paths. Additional redundancies include dual power supplies and
dual channel paths.

4.       TAPE DRIVES:

[X] DESCRIPTION - ALICOMP will utilize VTS/3480/3490/3420 tape drives with IDRC
compression for UAFC.

[X] REDUNDANCIES - In order to assure that UAFC's system can access its own tape
drives as well as others available in the data center.

5.       COMMUNICATIONS:

|X| DESCRIPTION - The Leonia facility is fed by multiple OC-48 dual feed (SONET)
service from Bell Atlantic. Most long distance service (where necessary) is
provided by WilTel. We utilized a dual frame 3745 Front End Processor along with
Open System Adapter (OSA) and 3172 routed network connectivity at Leonia and
Comdisco.

REDUNDANCIES - In order to provide full communications redundancy, ALICOMP has
installed multiple OC-48 SONET service. Our service has dual paths leaving the
facility and utilizes both the Leonia and Cliffside Park central offices with a
SONET Ring into WilTel as well. The 3745 Front End Processor provides a second
backup frame and dual power supplies. CISCO Routers are also utilized. Because
ALICOMP provides an OSA, a 3172 is available for placement at Comdisco.

6.       SOFTWARE:

[X] DESCRIPTION - ALICOMP will be providing supported releases of all IBM and
third party system software reflected in Appendix B (Software Responsibility) of
this proposal.

[X] REDUNDANCIES - While there are no specific redundancies inherent in
software, we will guarantee to utilize only vendor supported software for UAFC
to ensure timely problem resolution.

                                       2

<PAGE>

AGREEMENT NO. 060100 - continued

7.       HELP DESK:

[X] DESCRIPTION - ALICOMP provides a 24 hours per day, 7 days per week Help Desk
to UAFC via an "800" number.

[X] REDUNDANCIES - The Help Desk is managed by full-time, technically capable
staff. Technical services specialists shall be available on an escalation basis
at all times.

8.       HOT SITE DISASTER RECOVERY:

[X] DESCRIPTION - ALICOMP has in effect at all times an expandable long term Hot
Site agreement with Comdisco's Disaster Recovery Division. ALICOMP's primary
backup facility is located in North Bergen, New Jersey. UAFC's cost for Sunguard
recovery services can be eliminated when its contract terminates.

[X] REDUNDANCIES - Periodic testing for UAFC, along with T-1 bandwidth into
North Bergen, should provide for a successful migration to this backup facility,
if required.

[X] RESPONSIBILITIES - ALICOMP shall initiate work on problems reported by UAFC
within one (1) hour between 8:00 am and 6:00 pm and within two (2) hours between
6:00 pm and 8:00 am of UAFC's call for assistance, twenty-four hours (24) per
day and seven (7) days per week. Notwithstanding the foregoing, for all
telecommunication line problems, ALICOMP shall initiate work within thirty (30)
minutes between 8:00 am and 6:00 pm and within one (1) hour between 6:00 pm and
8:00 am of UAFC's call for assistance, twenty-four hours (24) per day and seven
(7) days per week. ALICOMP agrees to remedy failures, malfunctions, defects,
errors or non-conformities within twenty-four (24) hours of UAFC's report of
such problem, provided that if ALICOMP does not remedy such error within the
foregoing twenty-four (24) hour period, ALICOMP agrees to provide continuous
efforts until such problem is remedied. "Emergency Services" shall mean
immediate, continuous best efforts by ALICOMP to immediately resolve the
problem.

9.       INSPECTION BY UAFC:

UAFC shall have the right, at its sole cost to inspect the data center
facilities once a calendar quarter provided by ALICOMP, in order to insure that
ALICOMP is adhering to the provisions of this Agreement. Such inspection shall
include review of the security and other procedures that are being used. UAFC
shall give reasonable notice to ALICOMP of such inspections. UAFC shall have the
right to conduct a data processing audit of ALICOMP and its subcontractors
operations and ALICOMP's maintenance of UAFC's data. UAFC shall have the right
to examine ALICOMP's and any subcontractor's operations to assure itself that
the UAFC data is being processed correctly and that the processing is adequate
to meet the terms of this Agreement.

                                       3

<PAGE>

AGREEMENT NO. 060100 - continued

ALICOMP agrees that the data center operation and the services provided by
ALICOMP under this Agreement are subject to audit by UAFC's internal auditors,
its independent auditors and any regulatory agency with jurisdiction over UAFC
at any time. ALICOMP will cooperate fully with UAFC or its designee in
connection with UAFC's audit functions or with regard to examinations by
regulatory authorities. Following an audit examination, UAFC will conduct (in
the case of an internal audit) or instruct its external auditors or examiners to
conduct an exit conference with ALICOMP, and, at such tine, and as soon as
available thereafter, to provide ALICOMP with a copy of the applicable portions
of each report regarding ALICOMP or ALICOMP's services prepared as a result of
any audit or examination. ALICOMP also agrees to provide UAFC a copy of the
portions of any written report containing comments concerning ALICOMP or the
services performed by ALICOMP. The failure or inability of ALICOMP to promptly
resolve any material audit exceptions related to ALICOMP's confidentiality
requirements pursuant to Section 3 of the Agreement shall be a material breach
of this Agreement. Any information or data obtained by UAFC or its Agents as a
result of these audits or inspections shall be deemed confidential information
and subject to the non-disclosure provisions of the Agreement included in
Paragraph 3.

                                       4

<PAGE>

AGREEMENT NO. 060100 - continued

B.       MANAGEMENT PRACTICES

The following components enable ALICOMP and UAFC to manage and monitor the
performance of UAFC computer services and serve as sources of system status
information reported to UAFC:

         1.       CAPACITY PLANNING REPORTS:

                  Measurement and reporting of CPU utilization over time
                  provides information which can alert UAFC that certain
                  internal activities might be rescheduled, examined more
                  closely, or changed. Such reporting can demonstrate the
                  necessity of adding additional MIPS as processing loads
                  increase. Timely decision making can eliminate internal
                  response time problems.

         2.       PROBLEM MANAGEMENT REPORTING SYSTEM:

                  Staffed 7 days a week, 24 hours a day, the Help Desk serves as
                  a single focal point for reporting operational problems.
                  Customer Service Specialists are trained in problem definition
                  to assure the resolutions of problems as quickly as possible.
                  All problems are recorded and then distributed to ALICOMP's
                  Data Center Management and Senior Management. Monthly Help
                  Desk Reports will be distributed to ALICOMP and UAFC
                  Management. These reports assist in determining trends which
                  may include Operational and/or User Training.

         3.       PHYSICAL SECURITY ADMINISTRATION:

                  To prevent unauthorized entry to the facility, ALICOMP has a
                  security system that controls access into and within the
                  building, automatically limiting access to sensitive areas.
                  Access is also logged. Additionally, cameras are installed
                  both inside and outside the building in Leonia. The entire
                  premises are constantly scanned by a comprehensive camera
                  system and guarded by a 24 hour guard service.

         4.       LOGICAL SECURITY ADMINISTRATION:

                  It is the policy of ALICOMP Operations to retain the identity
                  and integrity at the application level for every customer.
                  This concept of functional separation of data files, program
                  libraries, catalogs, and computer resources is implemented by
                  various data security and access control software products.
                  These systems restrict access to UAFC's information to only
                  those individuals who are authorized and serve to protect
                  UAFC's valuable data from unauthorized destruction,
                  modification, or ID disclosure. ALICOMP supports a variety of
                  access control products which provide data security for all
                  users by requiring a logon ID and password at system logon
                  time. Passwords are required to be changed

                                       5

<PAGE>

AGREEMENT NO. 060100 - continued

                  periodically to ensure access control integrity. Although
                  primary responsibility for systems security will remain with
                  UAFC, ALICOMP will provide all required support in connection
                  with security administration.

         5.       DATA STORAGE MANAGEMENT:

                  Operational incremental and full system back-ups are taken
                  from disk datasets and requested tape files and shipped
                  off-site daily. These datasets are retained off-site per
                  client requirements as specified, and can be retrieved for
                  operational and/or disaster recovery testing within a two-hour
                  time frame. Complete reporting systems enable rapid retrieval.

         6.       CHANGE CONTROL POLICY AND PROCEDURES:

                  It is ALICOMP's policy to maintain an installation that is
                  state-of-the-art, practical and cost effective. ALICOMP
                  constantly monitors and evaluates current service levels,
                  technological innovations and trends in mainframe and PC
                  hardware and software, and LAN and WAN configuration
                  requirements.

                  When components of the current environment are identified for
                  enhancement or an upgrade to a new technology becomes
                  desirable, ALICOMP will advise UAFC and seek its consent and
                  cooperation in incorporating a new product or service.

         7.       NETWORK MANAGEMENT:

                  ALICOMP will manage and monitor network connectivity between
                  UAFC and the Leonia, NJ facility using a combination of
                  general purpose and vendor specific utilities.

         8.       PERFORMANCE MEASUREMENT/MONITORING:

                  ALICOMP will monitor system status and measure system
                  utilization and performance on both a real time and an
                  historical basis. Performance tuning will be proactive on a
                  continuous basis without interruption to UAFC processing
                  schedules.

         9.       RELATIONSHIP MANAGEMENT:

                  Lorraine Drake has the responsibility of assessing and
                  assisting with all matters that may hinder an excellent
                  partnership/relationship between UAFC and ALICOMP.

         10.      OPERATIONS/HUMAN RESOURCE CONTROL

                  ALICOMP and UAFC will identify and define Operations/Human
                  Resource activities that will enable UAFC to have the control
                  it deems necessary.

                  [X] Examples include:

                                       6

<PAGE>

AGREEMENT NO. 060100 - continued

                       Participation in approving of Console Operators
                       Participation in Performance Reviews of the following:
                  [X]  Operations
                  [X]  Technical Support
                  [X]  Client Services
                  [X]  Help Desk
                       Changes in IPL Scheduling
                       Upgrade of Technology

         11.      QUALITY ASSURANCE MONITORING

                  ALICOMP utilizes its Management Reporting Systems to assure a
                  level of services consistent with the goal of meeting or
                  exceeding performance expectations. Such reporting systems
                  include the components identified in Section B: MANAGEMENT
                  PRACTICES, as well as the monthly reporting of the following:

                           [X]  DASD Utilization
                                            TEST

                           [X]  Tape Inventory
                                            Cartridges in Storage
                                            Cartridges in Storage Off Site
                                            Cartridge Scratches Available
                                            Reels in Storage
                                            Reels in Storage Off Site
                                            Reel Scratches Available

                           [X]  Tape Mounts (ALICOMP will have a separate Tape
                                Library, Librarian and Operators will mount
                                their own tapes).
                           [X]  Help Desk Reports
                                            Monthly

C.       ACCOUNT TEAM

         ACCOUNT MANAGER FOR UAFC

         ARTHUR KUREK, PRESIDENT OF ALICOMP will be your Account Manager for at
         least the first six months of operation. Arthur has been with
         Amalgamated Life (ALICO) and its affiliates for over 25 years, and has
         held the positions of Chief Financial Officer, Senior Vice President of
         Management Information Systems, and Senior Vice President of Financial
         Performance and Marketing during his tenure. Art is one of five senior
         executive corporate officers responsible for the day-to-day operation
         of Amalgamated Life and its affiliates, with particular emphasis on
         ALICOMP. Prior to working at Amalgamated Life, Art was with Empire Blue
         Cross and Mobil Oil Corporation.

                                       7

<PAGE>

AGREEMENT NO. 060100 - continued

         LORRAINE DRAKE, EXECUTIVE VICE PRESIDENT AND CHIEF OPERATING OFFICER
         will be the Account Manager and Advocate for UAFC following the initial
         six months. Lorraine simultaneously functions as Advocate for ALICOMP's
         clients, which includes escalating responses to clients' concerns and
         issues, if required. On two occasions recently, Lorraine was interim
         CIO for a Client whose IT executive was recuperating from major health
         emergencies. Prior to her appointment at ALICOMP, Lorraine had been
         with Amalgamated Life for seven years, where she held the following
         positions: Director of Management Planning and Analysis, Vice President
         of Administration and Systems, and Vice President of MIS. Lorraine came
         to Amalgamated with seven years of executive operational experience,
         which includes the position of Director in the New York City Mayor's
         Office of Operations.

         PROJECT MANAGER FOR UAFC

         TOM LAUDATI, SENIOR VICE PRESIDENT, TECHNICAL SERVICES, will be your
         project manager for at least the first six months of operation. Tom is
         an accomplished information technology outsourcing professional. He is
         an information systems management specialist with 20 years experience
         in the design, development, maintenance and integration of business
         information systems. Tom possesses an in-depth understanding of systems
         and applications software, hardware devices across multiple vendor
         platforms and displays a thorough understanding of contemporary
         communications technology. His information technology outsourcing
         experience covers a wide range of industries including insurance,
         banking, publishing, transportation, communication, and retail
         management.

         During his tenure, Tom has been instrumental in the development of the
         company's outsourcing strategy and the implementation of its
         outsourcing operational imperatives. A business oriented information
         systems executive, he possesses the unique ability to bring practical,
         cost efficient processing solutions to business problems. His years of
         experience in the management of a technical staff make him an ideal
         information manager well versed in applying systematic business
         solutions to the most complex information processing challenges.

         JOHN EURELL, DIRECTOR OF TECHNICAL SERVICES, will be your project
         manager following the initial six months. John has serviced Amalgamated
         Life since 1978 and has been a data processing professional since 1968.
         Originally a Programmer Analyst and later a Systems Programmer, John's
         current responsibilities include providing technical support for
         Applications Programming, Systems Programming, Data Communications and
         the Help Desk. John's software strengths include, but are not limited
         to, MVS /OS/390, VM, VSE, CICS/VSE, CICS/MVS, SQL/DS, DB2, COBOL,
         ASSEMBLER, C, NCP, EP, BTAM, VTAM, and VSAM.

         John has served as project leader on everything from On-line
         Enhancements to a Mutual Funds Inventory Control System to the
         installation, conversion and maintenance of

                                       8

<PAGE>

AGREEMENT NO. 060100 - continued

         ERISCO'S CLAIMFACTS AND GROUPFACTS. He created the initial course
         outline for CICS Concepts and Facilities at New York University. John
         has also taught classes in CICS Coding, CICS Concepts, and an
         introductory course in Computer Concepts.

D.       COMMITMENT OF SERVICES

1.       SYSTEM AVAILABILITY:

         No Less than 99.5%

2.       DOWN TIME

         Nonscheduled:

         [X] Not to exceed 30 minute outage at any time.
             Scheduled:

         [X] Down every other week - 2 to 2-1/2 hours

3.       JOB SCHEDULING:

         As requested.

4.       TECHNICAL SUPPORT

         No less than two (2) client knowledgeable Service Technicians on call
         at all times.

5.       COMPUTER OPERATION COVERAGE:

         Staffed with at least one full time dedicated operator and one backup
         Operator on each shift - 7 days a week, 24 hours a day.

6.       HELP DESK:

         Staffed 7 days a week, 24 hours a day with customer service
         specialists.

7.       PERFORMANCE TUNING:

         Analyze CPU Utilization to assure adequate capacity for ever growing
         workload.

8.       OPERATING SYSTEM SOFTWARE PORTFOLIO:

         Assure that UAFC is maintained on supported release levels.

9.       CLIENT ADVOCATE:

         Lorraine Drake has the responsibility for the following:

              [X] To represent UAFC interests and point of view during ALICOMP
              strategic planning processes and operational reviews.

              [X] To escalate concerns brought to her attention by UAFC in order
              to expedite resolutions.

                                       9

<PAGE>

AGREEMENT NO. 060100 - continued

E.       PARTNERSHIP ASPECTS

         UAFC will have the ability and the right to participate in ALICOMP's
         decision making which will engage UAFC to exercise a level of control
         more consistent with managing its own data center. This will include:

                  1.       The right to review resumes of prospective ALICOMP
                           employees who are slated to work on UAFC business.

                  2.       The right to participate in the interview and hiring
                           process of ALICOMP employees who are slated to work
                           on UAFC business.

                  3.       The right to participate in performance reviews
                           ALICOMP employees who work on UAFC business.

                  4.       The right to participate in scheduling of downtime,
                           technology upgrades.

                  5.       The right to add more resources on demand.

                  6.       Access to internal records relative to problems and
                           resource utilization.

                  7.       The contractual right for UAFC Management staff to be
                           on our site at UAFC's discretion to review and
                           participate in operational and technical areas.

Such participation by UAFC shall not affect ALICOMP's ultimate responsibility
for the decisions made or for the operation of the data center or make UAFC in
any way the employer of any ALICOMP employees.

F.       QUALITY ASSURANCE MONITORING

                  ALICOMP utilizes its Management Reporting Systems to assure a
                  level of services consistent with the goal of meeting or
                  exceeding performance expectations. Such reporting systems
                  include the components identified in Section B: MANAGEMENT
                  PRACTICES, as well as the monthly reporting of the following:

[X]  DASD Utilization

[X]  Tape Inventory
         Cartridges in Storage
         Cartridges in Storage Off Site
         Cartridge Scratches Available
         Reels in Storage
         Reels in Storage Off Site
         Reel Scratches Available
         Reels: Microfiche Tapes in Storage

                                       10

<PAGE>

AGREEMENT NO. 060100 - continued

[X]  Tape Mounts
[X]  Help Desk Reports
         Monthly

ALICOMP                                 Universal American Financial Corporation

BY:________________________________     BY:_____________________________________

Date_______________________________     Date:___________________________________

Infocrossing Inc.                       ALICO Services Corporation

BY:________________________________     BY _____________________________________

Date_______________________________     Date ___________________________________

                                       11

<PAGE>

                                   APPENDIX A
                      MAINFRAME SERVICES - ALICOMP PROVIDED

<TABLE>
<CAPTION>
                                                 BASELINE                    MONTHLY RESOURCE CONSUMPTION FORECAST
                                          -----------------------   -------------------------------------------------------
                                            MONTHLY UTILIZATION        2001          2002       2003        2004       2005
                                          -----------------------   ---------    ----------   ---------   --------   ---------
          RESOURCE/ENVIRONMENT              UNITS         GROWTH%       12            12         12          12         12
------------------------------------------------------------------------------------------------------------------------------
<S>                                       <C>             <C>       <C>          <C>          <C>         <C>        <C>
PMSC Resources
  Pennsylvania Life (Raleigh)
   MVS CPU PRIORITY - MINUTE                      0          0%             0            0            0           0          0
   MVS CPU PRIME - MINUTE                         0          0%             0            0            0           0          0
   MVS CPU CICS - MINUTE                          0          0%             0            0            0           0          0
   MVS CPU OTHER - MINUTE                     6,794          0%         6,794        6,794        6,794       6,794      6,794
   DB2 CPU SURCHARGE - MINUTE                     0          0%             0            0            0           0          0
   DOS CPU PRIORITY - MINUTE                      0          0%             0            0            0           0          0
   DOS CPU PRIME - MINUTE                         0          0%             0            0            0           0          0
   DOS CPU CICS - MINUTE                          0          0%             0            0            0           0          0
   DOS CPU OTHER - MINUTE                         0          0%             0            0            0           0          0
   TSO CONNECT - HOUR                     Unlimited                 Unlimited    Unlimited    Unlimited   Unlimited  Unlimited
   TAPE MOUNT                             Unlimited                             Unlimited Within 24 Tape Address
   TAPE EXCP - PER 1,000                  Unlimited                             Unlimited Within 24 Tape Address
   TAPE STORAGE - RETAINED                    9,000          3%         9,270        9,548        9,835      10,130     10,433
   TAPE REMOVED                                   0          0%             0            0            0           0          0
   TAPE RETURNED                                  0          0%             0            0            0           0          0
   DASD EXCP - PER 1,000                  Unlimited                                  Unlimited Within 256GB
   DASD STORAGE - PER MEGABYTE              108,857                   108,857      108,857      108,857     108,857    108,857
   LOCAL PAGE PRINT - PER IMAGE                   0          0%             0            0            0           0          0
   REMOTE PAGE PRINT - PER IMAGE                  0          0%             0            0            0           0          0
   LOCAL PRINT - PER 1,000 LINES                  0          0%             0            0            0           0          0
   REMOTE PRINT - PER 1,000 LINES         Unlimited                    45,912       45,912       45,912      45,912     45,912
   LOCAL MICROFICHE - PER 1,000 LINES             0          0%             0            0            0           0          0

American Pioneer (Orlando)
   MVS CPU PRIORITY - MINUTE                      0          0%             0            0            0           0          0
   MVS CPU PRIME - MINUTE                         0          0%             0            0            0           0          0
   MVS CPU CICS - MINUTE                          0          0%             0            0            0           0          0
   MVS CPU OTHER - MINUTE                         0          0%             0            0        2,317       2,317      2,317
   DB2 CPU SURCHARGE - MINUTE                     0          0%             0            0            0           0          0
   DOS CPU PRIORITY - MINUTE                      0          0%             0            0            0           0          0
   DOS CPU PRIME - MINUTE                         0          0%             0            0            0           0          0
   DOS CPU CICS - MINUTE                          0          0%             0            0            0           0          0
   DOS CPU OTHER - MINUTE                     2,317          6%         2,317        2,317            0           0          0
   TSO CONNECT - HOUR                             0          0%             0            0            0           0          0
   TAPE MOUNT                             Unlimited                             Unlimited Within 8 Tapes Address
   TAPE EXCP - PER 1,000                          0          0%             0            0            0           0          0
   TAPE STORAGE - RETAINED                    1,600          6%         2,865        2,865        2,865       2,865      2,865
   TAPE REMOVED                                   0          0%             0            0            0           0          0
   TAPE RETURNED                                  0          0%             0            0            0           0          0
   DASD EXCP - PER 1,000                          0          0%             0            0            0           0          0
   DASD STORAGE - PER MEGABYTE              149,000          6%       149,000      149,000      149,000     149,000    149,000
   LOCAL PAGE PRINT - PER IMAGE                   0          0%             0            0            0           0          0
   REMOTE PAGE PRINT - PER IMAGE                  0          0%             0            0            0           0          0
   LOCAL PRINT - PER 1,000 LINES                  0          0%             0            0            0           0          0
   REMOTE PRINT - PER 1,000 LINES         Unlimited                 Unlimited    Unlimited    Unlimited   Unlimited  Unlimited
   LOCAL MICROFICHE - PER 1,000 LINES             0          0%             0            0            0           0          0

<CAPTION>

                                                   MONTHLY RESOURCE CONSUMPTION FORECAST
                                          ------------------------------------------------------
                                             2006       2007        2008       2009       2010
                                          ---------  ---------   ---------  ---------  ---------
          RESOURCE/ENVIRONMENT                12         12          12         12         12
------------------------------------------------------------------------------------------------
<S>                                       <C>        <C>         <C>        <C>        <C>
PMSC Resources
  Pennsylvania Life (Raleigh)
   MVS CPU PRIORITY - MINUTE                      0          0           0          0          0
   MVS CPU PRIME - MINUTE                         0          0           0          0          0
   MVS CPU CICS - MINUTE                          0          0           0          0          0
   MVS CPU OTHER - MINUTE                     6,794      6,794       6,794      6,794      6,794
   DB2 CPU SURCHARGE - MINUTE                     0          0           0          0          0
   DOS CPU PRIORITY - MINUTE                      0          0           0          0          0
   DOS CPU PRIME - MINUTE                         0          0           0          0          0
   DOS CPU CICS - MINUTE                          0          0           0          0          0
   DOS CPU OTHER - MINUTE                         0          0           0          0          0
   TSO CONNECT - HOUR                     Unlimited  Unlimited   Unlimited  Unlimited  Unlimited
   TAPE MOUNT                                         Unlimited Within 24 Tape Address
   TAPE EXCP - PER 1,000                              Unlimited Within 24 Tape Address
   TAPE STORAGE - RETAINED                   10,746     11,069      11,401     11,743     12,095
   TAPE REMOVED                                   0          0           0          0          0
   TAPE RETURNED                                  0          0           0          0          0
   DASD EXCP - PER 1,000                                   Unlimited Within 256GB
   DASD STORAGE - PER MEGABYTE              108,857    108,857     108,857    108,857    108,857
   LOCAL PAGE PRINT - PER IMAGE                   0          0           0          0          0
   REMOTE PAGE PRINT - PER IMAGE                  0          0           0          0          0
   LOCAL PRINT - PER 1,000 LINES                  0          0           0          0          0
   REMOTE PRINT - PER 1,000 LINES            45,912     45,912      45,912     45,912     45,912
   LOCAL MICROFICHE - PER 1,000 LINES             0          0           0          0          0

American Pioneer (Orlando)
   MVS CPU PRIORITY - MINUTE                      0          0           0          0          0
   MVS CPU PRIME - MINUTE                         0          0           0          0          0
   MVS CPU CICS - MINUTE                          0          0           0          0          0
   MVS CPU OTHER - MINUTE                     2,317      2,317       2,317      2,317      2,317
   DB2 CPU SURCHARGE - MINUTE                     0          0           0          0          0
   DOS CPU PRIORITY - MINUTE                      0          0           0          0          0
   DOS CPU PRIME - MINUTE                         0          0           0          0          0
   DOS CPU CICS - MINUTE                          0          0           0          0          0
   DOS CPU OTHER - MINUTE                         0          0           0          0          0
   TSO CONNECT - HOUR                             0          0           0          0          0
   TAPE MOUNT                                         Unlimited Within 8 Tapes Address
   TAPE EXCP - PER 1,000                          0          0           0          0          0
   TAPE STORAGE - RETAINED                    2,865      2,865       2,865      2,865      2,865
   TAPE REMOVED                                   0          0           0          0          0
   TAPE RETURNED                                  0          0           0          0          0
   DASD EXCP - PER 1,000                          0          0           0          0          0
   DASD STORAGE - PER MEGABYTE              149,000    149,000     149,000    149,000    149,000
   LOCAL PAGE PRINT - PER IMAGE                   0          0           0          0          0
   REMOTE PAGE PRINT - PER IMAGE                  0          0           0          0          0
   LOCAL PRINT - PER 1,000 LINES                  0          0           0          0          0
   REMOTE PRINT - PER 1,000 LINES         Unlimited  Unlimited   Unlimited  Unlimited  Unlimited
   LOCAL MICROFICHE - PER 1,000 LINES             0          0           0          0          0
</TABLE>

<PAGE>

                                   APPENDIX B
                             SOFTWARE RESPONSIBILITY

<TABLE>
<CAPTION>
          PRODUCT                                 RENEWAL                UAFC              ALICOMP            NOTE
--------------------------------------------------------------------------------------------------------------------------
<S>                                               <C>                    <C>               <C>          <C>
IBM MVS/VSE                                       Monthly                                    Yes
Listcat Plus                                      5/1/00                                     Yes
--------------------------------------------------------------------------------------------------------------------------
Syncsort                                          7/1/01                                     Yes
SAMS                                                                                                    Not required
CA                                                4/1/02                                     Yes        All Products
Abendaid                                          7/31/01                                    Yes
Xpediter                                          4/1/01                                     Yes
Documerge                                         10/1/99                                               Cancelled 10/15/99
DCF                                               10/1/99                                               Cancelled 10/15/99
3700                                              10/0199                                               Cancelled 10/15/99
FDR/CPK                                           10/1/00                                    Yes
VPS                                               3/1/01                                     Yes
MXG                                               10/1/00                                    Yes
--------------------------------------------------------------------------------------------------------------------------
Xerox 4220 software                               3/1/01                                     Yes
CICS AFCS                                         7/1/00                                     Yes
Focus                                             9/1/00                                     Yes
Unitech Balancing                                                                                       Cancelled
MAX                                               7/1/00                                     Yes
Version Merger                                    7/1/00                                     Yes
Vision Builder                                    6/28/99                                               Cancelled 6/28/98
Vision Report (DLY-Quickjob)                      5/29/00                                    Yes
Vision Results (DYL-280)                          2/2/01                                     Yes
--------------------------------------------------------------------------------------------------------------------------
</TABLE>

                           UAFC (Software) Appendix B

<PAGE>

                                   APPENDIX B
                             SOFTWARE RESPONSIBILITY

<TABLE>
<CAPTION>
                     Licensed Software                   Description               Vendor           Committed Entities      Used By
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                <C>                            <C>             <C>                      <C>
Listcat Plus (6.9)                                 DASD Management Software       McKinney        PennCorp Financial Inc.  All
SAS (6.09E)                                        Programming Tool               SAS             PennCorp Financial Inc.  All
SAS (6.09E)                                        Programming Tool               SAS             PennCorp Financial Inc.  All
SAMS Go (Includes Disk, Compress, Vantage Base     DASD Management Software       Sterling        PennCorp Financial Inc.  All
including SAMS Disk reporting and SMS Plus)
CA 3 Year MIPS based License for all products
listed below:                                      Operating System Software      CA              PennCorp Financial Inc.  See Below
CA-ACF2 (6.2)                                      Operating System Software                                               All
CA-DISPATCH (6.0)                                  Automated Operation Package                                             All
CA-DISPATCH NOTEPAD                                Automated Operation Package                                             All
CA-DISPATCH/PC LTD                                 Automated Operation Package                                             All

CA-ELEVEN (2.2)                                    Automated Operation Package                                             All
CA-ELEVEN VIEWPOINT                                Automated Operation Package                                             All
CA-FAVER FOR MVS (4.2.3)                           DASD Management Software                                                All
CA-JCLCHECK (7.0)                                  Automated Operation Package                                             All
CA-LIBRARIAN (BASE+LIB/AM+TSO (4.2)                Applicartion Programming Tool                                           All
CA-ONE (5.2)                                       Automated Operation Package                                             All
CA-ONE VIEWPOINT                                   Automated Operation Package                                             All
CA-ONE COPYCAT                                     Automated Operation Package                                             All
CA-OPS/MVSII CICS INTERFACE (4.2)                  Automated Operation Package                                             All
CA-OPS/MVSII JES 2 (4.2)                           Automated Operation Package                                             All

CA-SEVEN (3.2)                                     Automated Operation Package                                             All
CA-SEVEN VIEWPOINT                                 Automated Operation Package                                             All
CA-SEVEN NOTEPAD                                   Automated Operation Package                                             All
CA-SEVEN REPORTS                                   Automated Operation Package                                             All
CA-SEVEN SMART CONSOLE                             Automated Operation Package                                             All
CA-SEVEN REPORT BALANCING                          Automated Operation Package                                             All
CA-SYSVIEW/E JES COMPONENT (7.1)                   Operating System Software                                               All
CA-TPX ACL/E OPT (4.1)                             Network System Software                                                 All
CA-TPX-MULTIPLE SESSION MGR (4.1)                  Network System Software                                                 All
CA-INTERTEST W/XA-ESA/W/PL/1 (5.4)                 Programming Tool                                                        All
CA-INTERTEST SYMDUMP OPTION (5.4)                  Programming Tool                                                        All
CA-INTERTEST BATCH (1.2)                           Programming Tool                                                        All
Abandaid (9.0.3)                                   Applicartion Programming Tool  Compuware       PennCorp Financial Inc.  All
XPEDITER TSO (6.4) / CICS (7.0)                    Applicartion Programming Tool  Compuware       PennCorp Financial Inc.  All
Focus                                              Programming Tool               Information B   PennCorp Financial Inc.  All
MAX (1.5.2)                                        Programming Tool               MB Solutions    PennCorp Financial Inc.  All
MAX (1.5.2)                                        Programming Tool               MB Solutions    PennCorp Financial Inc.  All
Abandaid (9.0.3)                                   Applicartion Programming Tool  Compuware       PennCorp Financial Inc.  All
Performance Solution Software (VSAM I/O)           DASD Management Software       Softworks       PennCorp Financial Inc.  All
TMON (2.0)                                         Operating System Software      Landmark        PennCorp Financial Inc.  All

VSE                                                                                                                        Software

IBM VSE/ESA, Ditto, CICS, VTAM, SORT, Assm
IBM VM    new in Jan 2000

Capsil, Dec 1991 Version

Erisco - ClaimFacts, GroupFacts

Compuware - Xpeditor

Document Sciences - Compuset - ends Feb 29, 2000

Macro4 -                                           Tubes VSE, leased
                                                   Tubes VM, Licensed - annual
                                                   maint starting Mar 2001
                                                   VSAMLITE, leased
                                                   VSAMTUNE
                                                   LOGOUT

Computer Associates - Easytrieve Plus, perpetual
not currently on maint

SunGard - Disaster Recovery Hot Site

Connectivity Systems - TCP/IP

ProCheck Plus - ACIS Laser Check Writer (PC based)

USSI - APPS Policy Printing System (PC based)
</TABLE>

       Note: Any Software not listed on Page 1 of Appendix B shall be the
                            responsibility of UAFC.

<PAGE>

                        SCHEDULE A - ADDENDUM FOR ITEM 1A
                    to Agreement # 060100 (UAFC and Alicomp)
                         PRICING AND PRICING COMPONENTS

The Fees of Schedule A - Addendum herein will be paid in accordance with
Paragraphs 2, 16, and 17 of Agreement #060100 (UAFC and Alicomp).

         1.       PRICING COMPONENTS INCLUDED IN FIXED MONTHLY FEE:

         -    CPU - an IBM CMOS RX4, RX5 or RC6 processor with appropriate cache
              and channels. In the event of a processor upgrade, the rate per
              CPU minute shall be normalized to be the equivalent of the current
              rate which is based on an RX4 processor.

         A.   For the full months processed during the calendar year 2001,
              minimum billing shall be based on baseline (6,400 minutes and 165
              Gigabytes of DASD per month at a rate of $15.04 per minute or
              $96,256).

         -    Beginning January 1, 2002 the Monthly Fee will be calculated using
              the pricing schedule below:

         -    There shall be a one time payment for overage utilization for the
              period ending December 31, 2001 of $300,000.

         -    Pricing Schedule:

<TABLE>
<CAPTION>
 IF UTILIZATION REACHES (PER MONTH)                          RATE PER CPU MINUTE                 DASD ALLOWANCE
-----------------------------------------------------------------------------------------------------------------
<S>                                                      <C>                                  <C>
Above 10,370 CPU minutes **                              $10.25 per month per                 Up to 400 Gigabytes
                                                         minute ($123.00 annually)
-----------------------------------------------------------------------------------------------------------------
Between 9,111 and 10,369 CPU minutes                     $12.21 per month per                 Up to 300 Gigabytes
                                                         minute ($146.50 annually)
-----------------------------------------------------------------------------------------------------------------
Between 7,501 and 9,111 CPU minutes                      $13.63 per month per                 Up to 220 Gigabytes
                                                         minute ($163.50 annually)
-----------------------------------------------------------------------------------------------------------------
Between 4,000 - 7,500 CPU minutes                        $15.04 per month per                 Up to 165 Gigabytes
                                                         minute ($180.50 annually)
-----------------------------------------------------------------------------------------------------------------
Between 2,000 - 3,999 CPU minutes                        $21.71 per month per                 Up to 120 Gigabytes
                                                         minute ($260.50 annually)
-----------------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

AGREEMENT NO. 060100 Schedule A - Addendum - continued

<TABLE>
<CAPTION>
Below 2,000 CPU minutes (Minimum)                    Monthly Fee                      DASD Allowance
------------------------------------------------------------------------------------------------------
<S>                                                  <C>                          <C>
          Year 1                                      $41,667                     Up to 100 Gigabytes
------------------------------------------------------------------------------------------------------
          Year 2                                      $41,667                     Up to 100 Gigabytes
------------------------------------------------------------------------------------------------------
          Year 3                                      $30,000                     Up to 100 Gigabytes
------------------------------------------------------------------------------------------------------
          Year 4                                      $30,000                     Up to 100 Gigabytes
------------------------------------------------------------------------------------------------------
          Year 5                                      $20,000                     Up to 100 Gigabytes
------------------------------------------------------------------------------------------------------
</TABLE>

**Commencing January 1, 2002, a new "Baseline Fee" shall reflect UAFC's current
utilization of approximately 15,500 minutes at $10.25 per minute per month or
$158,875.00 and 400 Gigabytes of DASD. Adjustments to this fee will be made on
the mid-month invoices once utilization data is available for the previous
month.

THE TERMS AND CONDITIONS OF THE ORIGINAL SCHEDULE A SHALL CONTINUE IN FULL FORCE
AND EFFECT EXCEPT AS EXPRESSLY MODIFIED HEREIN. IF THERE IS ANY AMBIGUITY
BETWEEN THE TERMS OF SCHEDULE A AND THIS ADDENDUM FOR ITEM LA, THE TERMS OF THIS
ADDENDUM SHALL GOVERN.

IN WITNESS WHEREOF, the parties have executed this Addendum this ______ day of
____________, 2001

   ALICOMP                              Universal American Financial Corporation

   BY: ______________________________   BY: ________________________________
            Lorraine A. Drake

   Date _____________________________   Date: ______________________________

   Infocrossing Inc.                    ALICO Services Corporation

   BY: ______________________________   BY _________________________________
               Bob Wallach                         Arthur Kurek

   Date _____________________________   Date _______________________________

                                       2

<PAGE>

                   AMENDMENT NUMBER 1 TO AGREEMENT NO. 060100

This Amendment Number 1 to Agreement No. 060100 ("Amendment") entered into the
29th day of July, 2003 is by and between Infocrossing, Inc. and ALICOMP, A
division of ALICARE, Inc., (collectively referred to as "Alicomp"), on the one
hand, and Universal American Financial Corp. ("UAFC"), on the other hand.

Whereas, Agreement Number 060100 was entered into as of September 14, 2000; and

Whereas, Alico Services Corporation ("ASC") guaranteed the financial obligations
of Alicomp under Agreement Number 060100; and

Whereas, Addendum for Item 1A of Schedule A to Agreement Number 060100 was
agreed to by Alicomp and ASC on October 24, 2001 and UAFC on October 29, 2001;
and

Whereas, UAFC has been requested to provide clarification with respect to the
data processing services it is receiving from Alicomp under Agreement Number
060100; and

Whereas, Alicomp is willing to provide such clarification to UAFC.

NOW THEREFORE, in consideration of the mutual covenants contained herein and
other valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties agree as follows:

         1.       ALICOMP is providing data processing services to UAFC and its
                  subsidiary companies.

         2.       Included in the list of UAFC subsidiaries as of the date of
                  this Amendment is the UAFC Canadian company, PennCorp Life
                  Insurance Company.

         3.       Schedule A9 of Schedule B to Agreement No. 060100 contains a
                  provision that the ALICOMP data center is subject to audit by
                  UAFC's regulators. This right to audit applies to the
                  regulators of all subsidiaries of UAFC including, but not
                  limited to, any regulator of PennCorp Life Insurance Company.

<PAGE>

IN WITNESS WHEREOF, each of the parties have caused this Amendment to be
executed by its respective duly authorized officer as of the day and year first
above written.

ALICOMP                                          UNIVERSAL AMERICAN FINANCIAL
A Division of ALICARE, Inc.                      CORPORATION

By: ________________________________             By: _________________________

Title: _____________________________             Title: ______________________

INFOCROSSING, INC.                               ALICO SERVICES CORPORATION

By: ________________________________             By: _________________________

Title: _____________________________             Title: ______________________

<PAGE>

                                REMOTE COMPUTING
                           VSE TESTING SYSTEM SERVICES
                                STATEMENT OF WORK

THIS AGREEMENT between Alicomp, a division of Alicare, Inc., with offices at 2
Christie Heights, Leonia, New Jersey 07605, hereinafter referred to as
"Alicomp," as the party on the one hand, and Universal American Financial
Corporation with offices at 600 Courtland Street, Orlando, Florida 32804,
hereinafter referred to as "UAFC" as the party on the other hand, is being
entered into to provide UAFC with for Remote Computing VSE Test System Services.

Alicomp agrees to provide VSE testing environment services as follows:

PRICING COMPONENTS:

<TABLE>
<S>                                             <C>
-  ONE TIME SET UP FEES:
   Set up VSE test system:
   System Software                              Included
   OSA Connection                               $  2,500
   Master Console                                    500
   Labor: Tech & Operation
   ($175 X100 hrs)                                17,500
   TOTAL ONE TIME FEES:                         $ 20,500

-  MONTHLY FIXED ON-GOING FEES:
   DASD (50 Gigs)                               $  5,000.
   Labor - Tech & Operations                    $  3,850
   TOTAL MONTHLY FIXED FEES:                    $  8,850

-  MONTHLY VARIABLE ON-GOING FEES:
   Additional MIPS                              *
</TABLE>

* CPU Utilization rate shall be governed by Agreement #060100 between the
parties as part of the overall utilization. Current rate is $26.65 per CPU
minute based on current processor (IBM RC6) and current utilization for
production environment. To facilitate billing, monthly invoices will be issued
separately for this VSE Test System.

Normal operating hours are twenty-four (24) hours per day, seven (7) days per
week, except for time required to perform maintenance and updates during which
time the services may be unavailable. You will be given a minimum of 24 hours
notice when such maintenance or update is to be performed. Clients who need to
be present at ALICOMP's location must give 24 hours notice.

Neither party will divulge any information learned by it concerning the other or
its customers without the prior written consent of the other unless it learned
such information under circumstances not requiring confidentiality or the other
party makes the information available to the general public. ALICOMP will not
use or copy any software written by Client. Client warrants and represents that
it has the title or right to said software to run it on Alicomp's facility and
will defend and hold Alicomp harmless from and against any and all claims,
suits, damages and costs including reasonable attorney's fees in any instance
where Alicomp is accused of breaching any third party's copyright or other right
or title to the software.

<PAGE>

Client will not settle any such suit without Alicomp's prior written consent
unless such settlement includes a complete general release for Alicomp.

The services provided in this agreement, effective November 2003, shall be
co-terminus with the VSE services provided under Agreement #060100, effective
September 2000 as amended.

Remote Computing - VSE Test System Statement of Work
Client acknowledges and agrees that ALICOMP shall in no event be liable for
consequential or incidental damages irrespective of whether or not the same are
or were foreseeable and that its liability shall be limited, in any event, to
replacing any lost or damaged materials, provided Client has maintained
duplicates of the lost or damaged materials. If Client fails or refuses to
provide the duplicate data, then ALICOMP shall have no liability or
responsibility to replace lost or damaged data. In any event, the total
liability of ALICOMP under this Agreement shall not exceed the fees paid by
Client to ALICOMP in the immediately preceding 30 days.

EXCEPT AS EXPRESSLY STATED HEREIN THERE ARE NO WARRANTIES. ALL WARRANTIES
INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTIBILITY OR WARRANTIES OF
FITNESS FOR PARTICULAR USE OR PURPOSE ARE EXPRESSLY WAIVED. CUSTOMER SHALL BE
LIMITED TO THE REMEDIES PROVIDED FOR HEREIN.

Client acknowledges and agrees that Client is responsible for scheduling backups
or making arrangements for backups of any private volumes of DASD that client
may be using. ALICOMP shall, however, be responsible for Client data that
resides in a shared environment.

This Agreement shall be construed and interpreted in accordance with laws of the
State of New York without reference to its conflict of laws provisions. If any
term of the Agreement shall be held to be unenforceable the remainder of the
Agreement shall remain in full force and effect except that if Client fails to
pay its fees or is relieved of its obligation to make payment for any reason
other than a material breach by Alicomp, Alicomp shall have not responsibility
or liability to provide services.

As of the signing of this Agreement ALICOMP is not aware of any sales or use tax
with regard to the providing of computer timesharing services. However, if any
jurisdiction requires a sales or use tax be imposed on this type of service in
the future, Client will be responsible for payment of such tax, unless Client
presents appropriate documentation of resale or exemption.

Neither party may assign its rights nor delegate its duties under this Agreement
without obtaining the prior written consent of the other party, such consent not
to be unreasonably withheld except that ALICOMP shall have the unilateral right
to move the operation to another facility at any time with 30 days prior notice.
ALICOMP will remain the Contractor. ALICOMP will assume all costs associated
with such move.

Client understands that any work requested from ALICOMP will be billed monthly
at the above prices. Client agrees to make payments monthly within 30 days of
the date of the invoice. Invoices not paid within 30 days shall bear interest at
the maximum legal rate allowed by law retroactive to the date of the invoice.
Any claim that Alicomp has failed to perform shall be made within ten days of
the claimed failure. The claim shall be in writing addressed to the following
address and must contain the specifics of the claim. Alicomp shall have ten days
to remedy the alleged failure or to establish that the claim is without merit,
in whole or in part.

                                        2

<PAGE>

ALICOMP
2 Christie Heights
Leonia, New Jersey 07605
Attention: Arthur Kurek

The failure of Alicomp to insist upon strict performance shall not be deemed a
continuing waiver and Alicomp may insist upon strict performance of any term of
the Agreement at any time.

Remote Computing - VSE Test System Statement of Work

This Agreement is the product of arm's length negotiation between the parties
and no inference based upon its being drafted by either party shall be made.

This Agreement states the entire understanding between the parties concerning
the subject matter thereof and no agreement or representation, which is not
expressly contained herein, shall be deemed to have survived.

This Agreement may not be changed, except in writing, evidenced by mutual
agreement of both ALICOMP and Client.

Any notices to be provided hereunder shall be sent by Registered Mail Return
Receipt Requested and shall be addressed as follows or as may later be
designated in writing:

If to ALICOMP:

     ALICOMP
     2 Christie Heights
     Leonia, New Jersey 07605
     Attention: Arthur Kurek

If to Client:

         Universal American Financial Corporation
         600 Courtland Street
         Orlando, Florida 32804
         Attention: George Eldridge

Notice shall be deemed to have been given the earlier of three days after
mailing or upon the date indicated on the signed return receipt. Any controversy
or claim arising out of or relating to this contract, or the breach thereof,
shall be settled by arbitration in accordance with the Commercial Arbitration
Rules of the American Arbitration Association to be held in New York City before
a single arbitrator. Any proceeding to enforce the arbitration award shall be
brought in either the Supreme Court of the State of New York County of New York
or the United States District Court for the Southern District of New York to
which courts the parties grant personal jurisdiction. Each party shall bear its
own costs of the arbitration including legal fees.

                                       3

<PAGE>

IN WITNESS WHEREOF, the parties have executed this Addendum this

__________ day of November, 2003

   ALICOMP                              Universal American Financial Corporation

   BY:  ______________________________  BY:  ______________________________
               Lorraine Drake

   Date ______________________________  Date: _____________________________

ALICO Services Corporation

BY:  _________________________________
               Arthur Kurek

Date _________________________________

                                       4

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