Document:

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                          FORM OF MASTER TRUST AGREEMENT      Exhibit 10.36
                                     FOR THE
                                ON SEMICONDUCTOR
                           DEFERRED COMPENSATION PLANS
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                             MASTER TRUST AGREEMENT
                                     FOR THE
                                ON SEMICONDUCTOR
                           DEFERRED COMPENSATION PLANS

                  THIS TRUST AGREEMENT is made and entered into by and between
SCG Holding Corporation, dba On Semiconductor(TM) (the "Company") and
___________________ (the "Trustee").

                  WHEREAS, the Company has adopted the On Semiconductor
Executive Savings Plan and the On Semiconductor Director Savings Plan (referred
to separately as the "Plan" and collectively as the "Plans") effective as of
January 1, 2000;

                  WHEREAS, the Company has incurred and expects to continue to
incur liability under the terms of the Plans with respect to individuals
participating in the Plans;

                  WHEREAS, the Company established a trust (hereinafter called
the "Trust") in accordance with the terms of the Plans to contribute to the
Trust assets to be held therein, subject to the claims of the Company's
creditors in the event of the Company's Insolvency, as herein defined, until
paid to Plan participants and their beneficiaries in such manner and at such
times as specified in the Plan and the adoption agreements signed by the Company
and each adopting employer;

                  WHEREAS, the Company hereby appoints ______________________ to
serve as trustee of the Trust;

                  WHEREAS, it is the intention of the parties that this Trust
shall continue to constitute an unfunded arrangement and shall not affect the
status of the Plans as unfunded plans maintained for the purpose of providing
deferred compensation for a select group of management or highly compensated
employees for purposes of Title I of the Employee Retirement Income Security Act
of 1974; and

                  WHEREAS, it is the intention of the Company to continue to
make contributions to the Trust to provide itself with a source of funds to
assist it in meeting its liabilities under the Plans.

                  NOW, THEREFORE, the parties do hereby establish the Trust and
agree that the Trust shall be comprised, held and disposed of as follows:

                                   SECTION 1
                             ESTABLISHMENT OF TRUST

         1.1 The Company has deposited with the Trustee in trust an initial
deposit of Ten Dollars ($10.00), which, together with subsequent contributions
made or to be made by the

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Company, constitutes the principal of the Trust to be held, administered and
disposed of by the Trustee in accordance with the terms of the Plans and as
provided in this Trust Agreement.

         1.2 The Trust established pursuant to this Trust Agreement is
irrevocable.

         1.3 The Trust is intended to be a grantor trust, of which the Company
is the grantor, within the meaning of subpart E, part I, subchapter J, chapter
1, subtitle A of the Internal Revenue Code of 1986, as amended, and shall be
construed accordingly.

         1.4 The principal of the Trust, and any earnings thereon shall be held
separate and apart from other funds of the Company and shall be used exclusively
for the uses and purposes of Plan participants and general creditors as herein
set forth. Plan participants and their beneficiaries shall have no preferred
claim on, or any beneficial ownership interest in, any assets of the Trust. Any
rights created under the Plans and this Trust Agreement shall be mere unsecured
contractual rights of Plan participants and their beneficiaries against the
Company. Any assets held by the Trust will be subject to the claims of the
Company's general creditors under federal and state law in the event of
Insolvency, as defined in Section 3.1 herein.

         1.5 The Company, in its sole discretion, may at any time, or from time
to time, make additional deposits of cash or other property in trust with the
Trustee to augment the principal to be held, administered and disposed of by the
Trustee as provided in the Plans and this Trust Agreement. Neither the Trustee
nor any Plan participant or beneficiary shall have any right to compel such
additional deposits.

                                   SECTION 2
                          PAYMENTS TO PLAN PARTICIPANTS
                             AND THEIR BENEFICIARIES

         2.1 The Company shall deliver to the Trustee a schedule (the "Payment
Schedule") that indicates the amounts payable in respect of each Plan
participant (and his or her beneficiaries), that provides a formula or other
instructions acceptable to the Trustee for determining the amounts so payable,
the form in which such amount is to be paid (as provided for or available under
the Plans), and the time of commencement for payment of such amounts. Except as
otherwise provided herein, the Trustee shall make payments to the Plan
participants and their beneficiaries in accordance with such Payment Schedule.
The Trustee shall make provision for the reporting and withholding of any
federal, state or local taxes that may be required to be withheld with respect
to the payment of benefits pursuant to the terms of the Plans and shall pay
amounts withheld to the appropriate taxing authorities or determine that such
amounts have been reported, withheld and paid by the Company.

         2.2 The entitlement of a Plan participant or his or her beneficiaries
to benefits under the Plans shall be determined by the Company or such party as
it shall designate under the Plans, and any claim for such benefits shall be
considered and reviewed under the procedures set out in the Plans.

         2.3 The Company may make payment of benefits directly to Plan
participants or their beneficiaries as they become due under the terms of the
Plans. The Company shall notify the Trustee of its decision to make payment of
benefits directly prior to the time amounts are payable

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to participants or their beneficiaries. In addition, if the principal of the
Trust, and any earnings thereon, are not sufficient to make payments of benefits
in accordance with the terms of the Plans, the Company shall make the balance of
each such payment as it falls due. The Trustee shall notify the Company where
principal and earnings are not sufficient.

                                   SECTION 3
                    TRUSTEE RESPONSIBILITY REGARDING PAYMENTS
                 TO TRUST BENEFICIARY WHEN COMPANY IS INSOLVENT

         3.1 The Trustee shall cease payment of benefits to Plan participants
and their beneficiaries if the Company is "Insolvent." The Company shall be
considered Insolvent for purposes of this Trust Agreement if (i) the Company is
unable to pay its debts as they become due, or (ii) the Company is subject to a
pending proceeding as a debtor under the United States Bankruptcy Code.

         3.2 At all times during the continuance of this Trust, as provided in
Section 1.4 hereof, the principal and income of the Trust shall be subject to
claims of general creditors of the Company under federal and state law as set
forth below.

             (a) The Board of Directors and the Chief Executive Officer of the
         Company shall have the duty to inform the Trustee in writing of the
         Company's Insolvency. If a person claiming to be a creditor of the
         Company alleges in writing to the Trustee that the Company has become
         Insolvent, the Trustee shall determine whether the Company is Insolvent
         and, pending such determination, the Trustee shall discontinue payment
         of benefits to Plans participants or their beneficiaries.

             (b) Unless the Trustee has actual knowledge of the Company's
         Insolvency, or has received notice from the Company or a person
         claiming to be a creditor alleging that the Company is Insolvent, the
         Trustee shall have no duty to inquire whether the Company is Insolvent.
         The Trustee may in all events rely on such evidence concerning the
         Company's solvency as may be furnished to the Trustee and that provides
         the Trustee with a reasonable basis for making a determination
         concerning the Company's solvency.

             (c) If at any time the Trustee has determined that the Company is
         Insolvent, the Trustee shall discontinue payments to Plan participants
         or their beneficiaries and shall hold the assets of the Trust for the
         benefit of the Company's general creditors. Nothing in this Trust
         Agreement shall in any way diminish any rights of Plan participants or
         their beneficiaries to pursue their rights as general creditors of the
         Company with respect to benefits due under the Plans or otherwise.

             (d) The Trustee shall resume the payment of benefits to Plan
         participants or their beneficiaries in accordance with Section 2 of
         this Trust Agreement only after the Trustee has determined that the
         Company is not Insolvent (or is no longer Insolvent).

         3.3 Provided that there are sufficient assets, if the Trustee
discontinues the payment of benefits from the Trust pursuant to Section 3.2
hereof and subsequently resumes such payments, the first payment following such
discontinuance shall include the aggregate amount of all payments due to Plan
participants or their beneficiaries under the terms of the Plans for the

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period of such discontinuance, less the aggregate amount of any payments made to
Plan participants or their beneficiaries by the Company in lieu of the payments
provided for hereunder during any such period of discontinuance.

                                   SECTION 4
                             PAYMENTS TO THE COMPANY

         Except as provided in Section 3 hereof, the Company shall have no right
or power to direct the Trustee to return to the Company or to divert to others
any of the Trust assets before all payment of benefits have been made to Plan
participants and their beneficiaries pursuant to the terms of the Plans.

                                   SECTION 5
                              INVESTMENT AUTHORITY

         5.1 All rights associated with assets of the Trust shall be exercised
by the Trustee or the person designated by the Trustee, and shall in no event be
exercisable by or rest with the Plan participants. Under the terms of the Plans,
the Trustee may, but is not required to, follow the direction of the Participant
in selecting among the investment funds available under the Plans and the Trust.
Notwithstanding the above, in no event may the Trustee invest in securities
including stock or rights to acquire stock) or obligations of the Company

         5.2 The Company shall have the right at anytime, and from time to time,
in its sole discretion, to substitute assets of equal fair market value for any
asset held by the Trust. This right is exercisable by the Company in a
nonfiduciary capacity without the approval or consent of any person in a
fiduciary capacity.

         5.3 Except as otherwise provided herein, in the investment,
administration and distribution of the Trust, the Trustee, subject to the duty
to apply the proceeds and avails of the Trust to the purposes specified in the
Plans and this Trust Agreement and subject to the restrictions of applicable
law, may perform every act in the management of the Trust that individuals may
perform in the management of like property owned by them free of any trust and
may exercise every power with respect to each item of property in the Trust,
real and personal, which individual owners of like property can exercise,
including by way of illustration, but not by way of limitation, the powers noted
below. No enumeration of specific powers herein shall be construed as a
limitation on the foregoing general powers of the Trustee, nor shall any of the
powers herein conferred upon the Trustee be exhausted by use thereof, but each
shall be continuing. The powers of the Trustee include, but are not limited to,
the following:

             (a) To invest and reinvest in bonds, notes, debentures, stocks
         (common or preferred), interests in investment companies (whether
         "open-end mutual funds" or "closed-end mutual funds"), options to
         acquire or sell securities (including "covered call options"),
         commercial paper, bank repurchase agreements, individual and group
         annuity contracts, deposit administration contracts, life insurance
         company separate accounts and pooled investment funds, mortgages,
         leaseholds, fee interests, personal, corporate and governmental
         obligations, interests in any amount in common trust funds established
         by the Trustee or another bank or trust company (and for such time as
         assets are invested in

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         such common trust funds, such assets shall be subject to the
         declarations of trust establishing such common trust funds), pooled
         investment funds for retirement plans established by the Trustee or
         another bank or trust company and such other property, real, personal
         or mixed, irrespective of whether such securities or such property
         shall be of the character authorized by any state law for trust
         investments, but in accordance with the provisions of Section 4975 of
         the Code and Sections 404, 406, 407 and 408 of the Act;

             (b) To pledge or mortgage, assign, lease, contract to lease, grant
         and trade options to purchase, sell for cash or on credit at a private
         or public sale, convert, redeem, exchange for other securities or other
         property in which the Trust may be invested under this Trust Agreement
         or otherwise dispose of any securities or other property at any time
         held by the Trustee except as otherwise provided by the Plans; no
         person dealing with the Trustee shall be bound to see to the
         application or to inquire into the validity, expediency or propriety of
         such sale or other disposition;

             (c) To retain in cash so much of the Trust as the Trustee deems
         advisable and to deposit any such cash held in the trust in banking
         accounts without liability for interest;

             (d) To settle, compromise, contest or submit to arbitration any
         claims, debts or damages due or owing to or from the Trust, to commence
         or defend suits or legal proceedings, and to represent the Trust in all
         suits or legal proceedings;

             (e) To exercise any conversion privilege or subscription right
         available in connection with any securities or property at any time
         held by the Trustee, to consent to the reorganization, consolidation,
         merger or readjustment of the finances of any corporation, company or
         association, or to the sale, mortgage, pledge or lease of the property
         of any corporation, company or association, any of the securities of
         which may at any time be held by the Trustee; and to do any acts with
         reference thereto, including the exercise of options, making of
         agreements or subscriptions, and the payment of expenses, assessments
         or subscriptions, which may be deemed to be necessary or advisable in
         connection therewith, and to hold and retain any securities or other
         property which the Trustee may so acquire;

             (f) To vote any corporate stock belonging to the Trust and to give
         proxies or general or limited powers of attorney for the purpose of
         such voting to other persons, with or without power of substitution;
         provided that the Trustee shall vote stock of the Company only as
         directed by the Company;

             (g) To borrow money, assume indebtedness, extend mortgages and
         encumber by mortgage or pledge upon such terms and conditions as may be
         deemed advisable;

             (h) To collect the income, rents, issues, profits and increases of
         the Trust through such means as are deemed advisable;

             (i) To invest all or part of the Trust in interest-bearing deposits
         with the Trustee or another bank or other federally-insured institution
         at a reasonable rate of

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         interest, including but not limited to investment in time deposits,
         savings deposits, certificates of deposit or time accounts;

             (j) To employ agents, attorneys and advisors and to pay their
         reasonable compensation and expenses; the Trustee shall incur no
         liability for the acts or defaults of such agents, attorneys and
         advisors selected with due care, and the Trustee shall be fully
         protected in acting upon the advice of counsel on questions of law
         arising in connection with the administration of the Trust;

             (k) To cause any of the investments of the Trust to be registered
         in the name of the Trustee or in the name of its nominee, and any
         corporation or its transfer agent may presume conclusively that such
         nominee is the actual owner of any investments submitted for transfer;
         to make, execute and deliver as Trustee any and all instruments,
         advances, contracts, waivers, releases or other instruments in writing
         necessary or proper in the employment of any of the foregoing powers;

             (l) To retain any funds or property subject to dispute without
         liability for the payment of interest, and to decline to make payment
         or delivery thereof until final adjudication is made by a court of
         competent jurisdiction; and

             (m) To file all tax and other returns and reports required of the
         Trustee.

         5.4 The discretion of the Trustee in investing and reinvesting the
assets of the Trust shall be subject to the funding policy, and any changes to
the funding policy, as the Company may adopt from time to time and communicate
to the Trustee. The Trustee shall act in accordance with any such funding
policy, as amended. The funding policy shall be consistent with the terms of the
Plans and the requirements of applicable law. As a part of such funding policy,
the Trustee shall be directed to exercise investment discretion so as to provide
sufficient cash assets in such amount as may be determined by the Company under
the funding policy then in effect to be necessary to meet any liquidity
requirements for administration of the Trust.

                                   SECTION 6
                              DISPOSITION OF INCOME

         During the term of this Trust, all income received by the Trust, net of
expenses and taxes, shall be accumulated and reinvested. Such income (and any
losses) shall be credited to the Participant's applicable Account.

                                   SECTION 7
                            ACCOUNTING BY THE TRUSTEE

         The Trustee shall keep accurate and detailed records of all
investments, receipts, disbursements, and all other transactions required to be
made, including such specific records as shall be agreed upon in writing between
the Company and the Trustee. Within 60 days following the close of each Plan
year and within 60 days after the removal or resignation of the Trustee, the
Trustee shall deliver to the Company a written account of its administration of
the Trust during such year or during the period from the close of the last
preceding Plan year to the date of such removal or resignation, setting forth
all investments, receipts, disbursements and

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other transactions effected by it, including a description of all securities and
investments purchased and sold with the cost or net proceeds of such purchases
or sales (accrued interest paid or receivable being shown separately), and
showing all cash, securities and other property held in the Trust at the end of
such Plan year or as of the date of such removal or resignation, as the case may
be.

                                   SECTION 8
                          RESPONSIBILITY OF THE TRUSTEE

         8.1 The Trustee shall act with the care, skill, prudence and diligence
under the circumstances then prevailing that a prudent person acting in like
capacity and familiar with such matters would use in the conduct of an
enterprise of a like character and with like aims, provided, however, that the
Trustee shall incur no liability to any person for any action taken pursuant to
a direction, request or approval given by the Plan Administrator which is
contemplated by, and in conformity with, the terms of the Plans or this Trust
and is given in writing by the Plan Administrator. In the event of a dispute
between the Plan Administrator and a party, the Trustee may apply to a court of
competent jurisdiction to resolve the dispute.

         8.2 The Trustee shall have, without exclusion, all powers conferred on
trustees by applicable law, unless expressly provided otherwise herein,
provided, however, that if an insurance policy is held as an asset of the Trust,
the Trustee shall have no power to name a beneficiary of the policy other than
the Trust, to assign the policy (as distinct from conversion of the policy to a
different form) other than to a successor Trustee, or to loan to any person the
proceeds of any borrowing against such policy.

         8.3 Notwithstanding any powers granted to Trustee pursuant to this
Trust Agreement or to applicable law, the Trustee shall not have any power that
could give this Trust the objective of carrying on a business and dividing the
gains therefrom, within the meaning of section 301.7701-2 of the Procedure and
Administrative Regulations promulgated pursuant to the Internal Revenue Code.

                                   SECTION 9
                    COMPENSATION AND EXPENSES OF THE TRUSTEE

         The Company shall pay all expenses associated with the administration
of the Trust including the Trustee's fees and expenses. If not so paid, the fees
and expenses shall be paid from the Trust.

                                   SECTION 10
                     RESIGNATION AND REMOVAL OF THE TRUSTEE

         10.1 The Trustee may resign at any time by written notice to the
Company, which shall be effective 30 days after receipt of such notice unless
the Company and the Trustee agree otherwise.

         10.2 The Trustee may be removed by the Company on 30 days notice, or
upon shorter notice accepted by the Trustee.

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         10.3 Upon resignation or removal of the Trustee and appointment of a
successor Trustee, all assets shall subsequently be transferred to the successor
Trustee. The transfer shall be completed within 30 days after receipt of notice
of resignation, removal or transfer, unless the Company extends the time limit.

         10.4 If the Trustee resigns or is removed, a successor shall be
appointed, in accordance with Section 11 hereof, by the effective date of
resignation or removal under Section 10.1. If no such appointment has been made,
the Trustee may apply to a court of competent jurisdiction for appointment of a
successor or for instructions. All expenses of the Trustee in connection with
the proceeding shall be allowed as administrative expenses of the Trust.

                                   SECTION 11
                            APPOINTMENT OF SUCCESSOR

         11.1 If the Trustee resigns or is removed in accordance with Section
10.1 hereof, the Company may appoint any third party, such as a bank trust
department or other party that may be granted corporate trustee powers under
state law, as a successor to replace the Trustee upon resignation or removal.
The appointment shall be effective when accepted in writing by the new Trustee,
who shall have all of the rights and powers of the former Trustee, including
ownership rights in the Trust assets. The former Trustee shall execute any
instrument necessary or reasonably requested by the Company or the successor
Trustee to evidence the transfer.

         11.2 The successor Trustee need not examine the records and acts of any
prior Trustee and may retain or dispose of existing Trust assets, subject to
Sections 7 and 8 hereof. The successor Trustee shall not be responsible for and
the Company shall indemnify and defend the successor Trustee from any claim or
liability resulting from any action or inaction of any prior Trustee or from any
other past event, or any condition existing at the time it becomes the successor
Trustee.

                                   SECTION 12
                            AMENDMENT OR TERMINATION

         12.1 This Trust Agreement may be amended by a written instrument
executed by the Trustee and the Company. Notwithstanding the foregoing, no such
amendment shall conflict with the terms of the Plans or shall make the Trust
revocable.

         12.2 The Trust shall not terminate until the date on which Plan
participants and their beneficiaries are no longer entitled to benefits pursuant
to the terms of the Plans. Upon termination of the Trust any assets remaining in
the Trust shall be returned to the Company.

         12.3 Upon written approval of participants or beneficiaries entitled to
payment of benefits pursuant to the terms of the Plans, the Company may
terminate this Trust prior to the time all benefit payments under the Plans have
been made. All assets in the Trust at termination shall be returned to the
Company.

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                                   SECTION 13
                                  MISCELLANEOUS

         13.1 Any provision of this Trust Agreement prohibited by law shall be
ineffective to the extent of any such prohibition, without invalidating the
remaining provisions hereof.

         13.2 Benefits payable to the Plan participants and their beneficiaries
under this Trust Agreement may not be anticipated, assigned (either at law or in
equity), alienated, pledged, encumbered or subjected to attachment, garnishment,
levy, execution or other legal or equitable process.

         13.3 This Trust Agreement shall be governed by and construed in
accordance with the laws of the State of Arizona.

                                   SECTION 14
                                 EFFECTIVE DATE

         The effective date of this Trust Agreement shall be as of January 1,
2000.

         IN WITNESS WHEREOF, the Company and the Trustee have caused this Trust
Agreement to be executed by their duly authorized representatives on the ___ day
of _______________, 2000.

                                                   SCG HOLDING CORPORATION

                                                   BY: _________________________

                                                   ITS: ________________________

                                                   _____________________________

                                                   BY: _________________________

                                                   ITS: ________________________

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                                                                   Exhibit 10.22

                            JOINT MARKETING AGREEMENT

THIS JOINT MARKETING AGREEMENT (the "Agreement") is made by and between
Healtheon/WebMD Corporation (hereinafter "Healtheon"), a corporation organized
and existing under the laws of Delaware and having a business address of 4600
Patrick Henry Drive, Santa Clara, California 95054, and Quality Care Solutions,
Inc. (hereinafter "Company"), a corporation organized and existing under the
laws of Nevada and having a business address of 5030 East Sunrise Drive,
Phoenix, Arizona 85044. Healtheon and Company are the parties to this Agreement.

                                   BACKGROUND

         A. Healtheon is an Internet-based services company providing
connectivity and information management services, including the Healtheon
Services, to participants in the healthcare industry.

         B. Company markets and licenses healthcare management software,
including the Company Products, to businesses and organizations participating in
the healthcare industry.

         C. Company and Healtheon perceive that the Company Products and the
Healtheon Services are complementary and that customers would benefit from an
Internet-based solution based on the combined use thereof. Company desires to
present such an Internet-based solution to its present and future customers as a
possible application of its Company Products. Healtheon desires the opportunity
to provide the Healtheon Services to such present and future customers of the
Company and to introduce the Company Products to certain of its present and
future customers.

                                    AGREEMENT

         Now therefore, in consideration of the foregoing, and the mutual
promises contained herein, the adequacy and sufficiency of which are hereby
acknowledged, the parties, intending to be legally bound, agree as follows:

ARTICLE 1. MARKETING AND SALES.

         1.1 Marketing Coordinators. Each of the parties will appoint a
Marketing Coordinator under this Agreement. Healtheon's initial Marketing
Coordinator will be the Channel Executive. Company's initial Marketing
Coordinator will be  [****]   . From time to time during the term of this
Agreement, each party may replace its Marketing Coordinator with another person
having equivalent authority by providing written notice to the other party.

                   [****] - Confidential Treatment Requested
<PAGE>   2
1.2 Identification of Prospects.

         1.2.1 Each party will be responsible for identifying by Notice parties
that it believes are candidates for using the Healtheon Services in combination
with the Company Products (the "Prospects"). Prospects may include existing or
potential customers of either party.

         1.2.2. The party identifying the Prospect shall give Notice to the
other party of the nature of the potential opportunity to offer that Prospect a
combination of Healtheon Services and Company Products. The parties will confer
in good faith to develop a proposal for delivery of services and products to the
Prospect. If the parties mutually determine to pursue the opportunity for the
joint delivery of Healtheon Services and Company Products to the Prospect, they
will jointly determine the appropriate contractual structure for the delivery of
the services and products. In conjunction with any contract to be entered into
with the Prospect ("Customer Contract"), Healtheon and the Company shall enter
into an agreement governing such matters as they then deem relevant, including
their respective responsibilities to develop, provide and maintain the services
and products and their respective shares of any revenue to be received from the
Customer ("Customer Support and Payment Contract"). The party identifying the
Prospect shall be responsible for initiating and managing the process of
developing and documenting the Customer Contract and Customer Support and
Payment Contract and shall consult throughout that process with the other party.

         1.2.3 In the event that the parties determine not to jointly offer
services and products to a Prospect, the party identifying the Prospect shall be
free to separately contract with and deliver services or products to the
Prospect (either alone or in concert with third parties) and the other party
shall refrain from offering a competing product or service without the written
consent of the party who gave Notice initially identifying the Prospect for a
period of twelve (12) months measured from the effective date of such Notice.

         1.2.4 Either party shall be free to separately contract or otherwise
transact business with any prospective customer not identified as a Prospect
pursuant to this Agreement.

1.3 Development of a Marketing Plan. Within thirty (30) days of the Effective
Date, the Marketing Coordinators will participate in a meeting (the "Initial
Meeting") for the purpose developing a "Joint Marketing Plan", which shall
include, but not be limited to: (i) prioritizing the then known Prospects to
determine the best candidates (the "Candidates") to use the parties' products
and services; and (ii) a determination of how to best approach, negotiate with,
and close with each Candidate. Thereafter, the Marketing Coordinators shall meet
no less than once per quarter to update the Joint Marketing Plan. Company and
Healtheon will also develop quarterly and annual sales targets. Both parties and
the Marketing Coordinators will exercise all reasonable efforts to minimize
expenses associated with the Joint Marketing Plan including, but not limited to,
meeting

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via telephone, personal computer conferencing, exchanging documents
electronically, using e-mail or fax machines and the like.

1.4 Marketing Responsibilities of the Parties. Each party will be responsible
for the following duties, in addition to other duties that may be specified
herein:

         1.4.1 Training. Each party will train the other party's sales
representatives in the operation and benefits of the training party's services
or products. The training sessions will be conducted at such time or times, and
at such place or places, as the parties may agree from time to time. Each party
will bear its own costs for any travel, lodging, meals and similar costs of its
personnel incurred in connection with any training sessions.

         1.4.2 Marketing Materials. Each party, at its own expense, shall
provide to the other party, a reasonable number of copies of appropriate sales
or marketing documentation or forms or other marketing materials, including,
without limitation, demonstration materials (the "Marketing Materials") for its
services. Neither party will add to, delete from or modify any Marketing
Materials provided by the other party except with the other party's prior
written consent. Each party, as grantor, hereby grants to the other party, as
grantee, a nonexclusive, nontransferable license to (a) reproduce grantor's
Marketing Materials (but not including any software provided by grantor to
grantee hereunder, such as demonstration software, or any user documentation
provided along with such software) and (b) use grantor's Marketing Materials:
(i) to promote the grantor's products and services hereunder and (ii) to
demonstrate such products and services (in the case of computer programs, in
object code form only and, in the case of documentation, limited to end user
documentation) solely to bona fide Prospects and solely to the extent necessary
to fulfill the purposes of this Agreement.

         1.4.3 Updates. Each party shall inform the other within a reasonable
time of any changes in that party's products, services, pricing or Marketing
Materials.

         1.4.4 Marketing Effort. Each party shall use its reasonable efforts to
promote the Healtheon Services and Company Products to Prospects. Each party
shall employ sufficient qualified employees and agents to assist in diligently
performing all of its duties as mutually agreed upon herein and shall take
advantage of technical training programs offered by the other party for such
persons. Each party shall comply with good business practices and all applicable
laws and regulations.

         1.4.5 Communication. Each party shall use reasonable efforts to keep
the other informed as to any problems encountered with the other party's
services or products and as to any resolutions to those problems, and shall
communicate promptly to the other any and all modifications, design changes or
improvements of the other party's services or products suggested by any entity
or person solicited by or making inquiries regarding such services or products.
Each party further agrees that during the term of this Agreement and thereafter
the other party shall be free to use such suggested modifications, design
changes, or improvements.

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1.5 Trademarks. Each party owns all worldwide right, title, and interest in and
to its Marks, and the other party will acquire no rights in such Marks. Except
as specifically authorized by this Agreement or a Customer Agreement, neither
party shall use or register (or make any filing with respect to) any trademark,
name or other designation of the other party anywhere in the world. Neither
party will contest anywhere in the world the use by, or authorized by, the other
of a Mark owned or registered by the other party, or application or registration
therefor, whether during or after the term of this Agreement.

1.6 Advertising and Publicity. Neither party shall identify, either expressly or
by implication, this relationship, the other party or the other party's
corporate affiliates or use any of such parties' Marks in any advertising, press
releases, publicity matters or other promotional materials without the other
party's prior written approval.

1.7 Agreement Not Exclusive. Except as set forth in Section 1.2.3, nothing in
this Agreement shall be construed as limiting in any manner either party's
marketing or distribution activities or its appointment of dealers,
distributors, licensees, agents or representatives of any kind.

ARTICLE 2. CONFIDENTIALITY

2.1 Confidentiality Obligations. In the course of performing under this
Agreement, each party may receive, be exposed to, or acquire Confidential
Information of the other party. Each party shall protect the Confidential
Information of the other party by using at least the same degree of care it uses
to protect its own Confidential Information of similar importance or
sensitivity, but no less than a reasonable degree of care, to prevent the
unauthorized use, dissemination or application of such Confidential Information.
The parties shall not disclose the Confidential Information of the other party
except to its employees and agents who have a need to know for purposes of this
Agreement. Each party shall cause its employees and agents receiving the other
party's Confidential Information to execute written nondisclosure agreements
that provide the same or greater protection for such information as this Section
2.1 provides. Notwithstanding anything to the contrary herein, but subject to
the patent and copyright rights of the other party and the obligation of
confidentiality under this Section 2.1, each party may use and exploit for any
purpose any programming techniques and ideas and concepts of general application
related to internet or computer technology learned by its employees as a result
of their exposure to the Confidential Information of the other party and
retained in the unaided memory of such employees. An employee's memory is
unaided if the employee has not intentionally memorized the Confidential
Information for the purpose of retaining and subsequently using or disclosing
it.

2.2 Additional Restrictions. Each party agrees, as a condition of the rights
granted under this Agreement and except as otherwise expressly and unambiguously
authorized hereunder: (i) except to the extent this prohibition is expressly
disallowed under applicable law, not to create or attempt to create, by reverse
engineering or otherwise, the source code or internal structure of the software
products of the other party or any part

                                     Page 4
<PAGE>   5
thereof from the object code or from the information made available to it; (ii)
not to remove, obscure, or deface any proprietary or confidentiality legends
relating to the other party's rights, on or from any electronic or tangible
embodiment of any Confidential Information, without such other party's prior
written consent; (iii) not to list or otherwise display or copy the object code
of any software product of the other party; and (iv) not to copy the software
products of the other party, develop any derivative works thereof or include any
portion thereof in any other software program; and (v) prior to disposing of any
materials, to destroy completely any Confidential Information contained therein.

2.3 Disclosure Required to Court or Government. If a party is required to
disclose Confidential Information of a the other party pursuant to court order
or government authority, that party shall provide reasonable notice where
feasible to such other party prior to such disclosure and shall cooperate with
such other party to obtain protection from such disclosure.

ARTICLE 3. REPRESENTATIONS AND WARRANTIES; DISCLAIMERS

3.1 Due Organization. Each party represents and warrants to the other party that
it is duly organized, validly existing, and in good standing under the laws of
the jurisdiction in which it is organized, it has the full power to enter into
this Agreement and to perform its obligations hereunder, and that the
performance by it of its obligations under this Agreement have been duly
authorized by all necessary corporate or other actions and will not violate any
provision of any corporate charter or bylaws.

3.2 No Conflicts. Each party represents and warrants to the other party that
neither the execution of this Agreement nor its performance hereunder, will
directly or indirectly violate or interfere with the terms of another agreement
to which it is a party, or give any governmental entity the right to suspend,
terminate, or modify any of its governmental authorizations or assets required
for its performance hereunder. Each party represents and warrants to the other
party that it will not enter into any agreement the execution and/or performance
of which would violate or interfere with this Agreement.

3.3 No Bankruptcy. Each party represents and warrants to the other party that
the party is not currently the subject of a voluntary or involuntary petition in
bankruptcy, does not currently contemplate filing any such voluntary petition,
and is not aware of any claim for the filing of an involuntary petition.

3.4 Exclusions; Disclaimers. THE WARRANTIES STATED ABOVE IN THIS ARTICLE 3 ARE
THE ONLY WARRANTIES MADE BY EITHER PARTY. ALL INFORMATION PROVIDED BY A PARTY TO
THE OTHER PARTY, INCLUDING, BUT NOT LIMITED TO, MARKETING MATERIALS, ARE
PROVIDED ON AN "AS IS" BASIS. THE PARTIES DO NOT MAKE AND HEREBY DISCLAIM ALL
OTHER WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED (EITHER IN FACT OR BY
OPERATION OF LAW), INCLUDING, WITHOUT LIMITATION, ALL WARRANTIES OR CONDITIONS
OF MERCHANTABILITY OR FITNESS FOR A

                                     Page 5
<PAGE>   6
PARTICULAR PURPOSE, ALL WARRANTIES ARISING FROM CONDUCT, COURSE OF DEALING OR
CUSTOM OF TRADE, AND ALL WARRANTIES OF TITLE AND NON-INFRINGEMENT.

         ARTICLE 4. EXCLUSION OF DAMAGES; LIMITATION OF LIABILITY

         4.1 EXCLUSION OF DAMAGES. IN NO EVENT WILL EITHER PARTY BE LIABLE TO
THE OTHER PARTY, OR ANY THIRD PARTY, UNDER ANY THEORY OF LIABILITY, HOWEVER
ARISING, FOR ANY COSTS OF COVER OR FOR INDIRECT, SPECIAL, INCIDENTAL, OR
CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING ANY LOSS OF USE, INTERRUPTION OF
BUSINESS, LOSS OF BUSINESS PROFITS, LOSS OF BUSINESS INFORMATION, AND THE LIKE)
ARISING OUT OF THIS AGREEMENT EVEN IF THAT PARTY HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY
FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED WARRANTY OR REMEDY.

         4.2 Limitation of Liability. EXCEPT FOR CLAIMS ARISING OUT OF A BREACH
OF ARTICLE 2, AND SECTION 1.5, IN NO EVENT SHALL EITHER PARTY'S AGGREGATE
LIABILITY FOR ALL MATTERS ARISING OUT OF THE SUBJECT MATTER OF THIS AGREEMENT,
WHETHER IN CONTRACT, TORT OR OTHERWISE, EXCEED FIVE THOUSAND DOLLARS ($5,000).
EITHER PARTY'S AGGREGATE LIABILITY FOR ALL MATTERS ARISING OUT OF A BREACH OF
ARTICLE 2, AND SECTION 1.5 OF THIS AGREEMENT, WHETHER IN CONTRACT, TORT OR
OTHERWISE, SHALL NOT EXCEED FIVE MILLION DOLLARS ($5,000,000). THIS LIMITATION
OF LIABILITY IS COMPLETE AND EXCLUSIVE, SHALL APPLY EVEN IF A PARTY HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH POTENTIAL CLAIMS, LOSSES, OR DAMAGES, AND
SHALL APPLY REGARDLESS OF THE SUCCESS OR EFFECTIVENESS OF ANY OTHER REMEDIES
POSSESSED BY THE OTHER PARTY, ITS CUSTOMERS, OR ANY THIRD PARTIES. THIS
LIMITATION OF LIABILITY REFLECTS AN AGREED ALLOCATION OF RISK BETWEEN HEALTHEON
AND COMPANY IN VIEW OF THE NATURE OF THIS TRANSACTION.

         ARTICLE 5. INDEMNIFICATION

         5.1 Indemnification by the Parties. Each party (as the "Indemnifying
Party") agrees to defend, indemnify, and hold harmless the other party (as the
Indemnified Party") from any loss, damage, or expense, arising directly and
proximately out of the Indemnifying Party's breach of any term of this
Agreement, or out of the Indemnifying Party's misrepresentation, fraud, or
negligence with respect to the parties relationship or the Indemnified Party's
products or services. To be entitled to defense by the Indemnifying Party
against a third-party claim under this Section 5.1: (a) the Indemnified Party
shall notify the Indemnifying Party of the claim immediately upon learning of
the assertion of the claim against the Indemnified Party; and (b) the
Indemnifying Party shall have the

                                     Page 6
<PAGE>   7
sole right to control the defense and/or settlement of the claim, in litigation
or otherwise, provided that (i) the Indemnified Party shall retain the right to
participate in any such defense to the extent it deems appropriate to protect
its interest, at its own expense; and (ii) the Indemnifying Party will not enter
into a settlement on behalf of the Indemnifying Party without the Indemnified
Party's prior written approval, such approval not to be unreasonably withheld.

         ARTICLE 6. TERM AND TERMINATION

         6.1 Initial Term and Renewals. The term of this Agreement shall
commence on the Effective Date and, unless earlier terminated as provided
herein, shall continue for two years (the "Initial Term"). Upon expiration of
the Initial Term, the term of this Agreement shall be automatically renewed for
successive one-year periods (individually, a "Renewal Term"), unless sooner
terminated in accordance with the provisions herein. Notice of non-renewal of
this Agreement after the Initial Term must be given in writing by a party to the
other party at least ninety (90) days prior to the commencement of any Renewal
Term.

         6.2 Termination without Cause. Either party may terminate this
Agreement without cause upon no less than sixty (60) days prior written notice
to the other party.

         6.3 Termination for Cause. Either party may terminate this Agreement
upon a material breach of the other party to perform its obligations hereunder
as follows: the terminating party shall give the other party written notice of
the basis for termination and the other party shall have sixty (60) days in
which to cure the default or make substantial progress toward curing the
default. If the default has not been cured within the 60-day period but
substantial progress toward a cure has been made, the defaulting party shall
provide the terminating party, during the 60-day period, with a detailed plan
that establishes the schedule and program for curing the default within the
succeeding 60 days. If the default is not cured within the 60-day period, or if
the defaulting party fails to make substantial progress toward a cure or to
provide a detailed plan for completion of the effort, the terminating party may
terminate the Agreement effective upon provision of written notice to the
defaulting party.

         6.4 Effect of Termination.

         6.4.1 No Effect on Customer Contracts. The termination of this
Agreement, whether with or without cause, shall not terminate either party's
rights or obligations under any Customer Contract or Customer Support and
Payment Contract, it being understood that such agreements shall be governed by
their own terms with respect to termination and survival or the parties'
respective payment and performance obligations thereunder.

         6.4.2 Marks and Marketing Materials. Upon termination or expiration of
this Agreement, each party shall, except as authorized by a Customer Contract or
Customer

                                     Page 7
<PAGE>   8
Support and Payment Agreement, (i) immediately discontinue use of the other
party's Marks and Marketing Materials; (ii) immediately discontinue all
representations or statements from which it might be inferred that any marketing
relationship exists between Healtheon and the Company; (iii) will cease to
promote the services or products of the other; and (iv) refrain from acting to
damage the reputation or business interests of the other party.

         6.4.3 Return of Materials. Within thirty (30) days after the expiration
or termination of this Agreement, (a) each party shall return to the other all
copies of all Marketing Materials, all tangible embodiments of the other party's
Confidential Information, and all other materials of the other party.

         6.5 Survival. All rights and obligations of the parties hereunder shall
cease upon termination or expiration of this Agreement except the obligations in
Sections 1.5, 6.4, 6.5, 7.6, 7.7, 7.8, 7.9, 7.10, 7.11, 7.13 and Articles 2, 3,
4, and 5 shall survive termination or expiration; together with any provisions
of this Agreement which by their terms survive expiration or termination of this
Agreement.

         ARTICLE 7. MISCELLANEOUS

         7.1 No Reimbursement. Unless expressly provided otherwise, in this
Agreement or in Customer Support and Payment Agreement, each party shall be
responsible for its own expenses and costs under this Agreement, and neither
party shall have any obligation to reimburse any expenses or costs incurred in
connection with the activities contemplated to this Agreement.

         7.2 Force Majeure. If either party is unable to perform its obligations
under this Agreement due to circumstances beyond its reasonable control (other
than obligations for the payment of money or the maintenance of
confidentiality), including, but not limited to, acts of God, earthquakes, labor
disputes and strikes, riots, war, actions decrees of governmental bodies,
changes in applicable Laws, or communications line or power failures, such
obligations will be suspended so long as those circumstances persist, provided
that the delaying party notifies the other party promptly of the delay and its
causes and uses commercially reasonable efforts to recommence performance
without delay.

         7.3 Assignment. Except as expressly permitted hereunder, neither party
shall assign, transfer, or otherwise delegate any of its rights, duties, or
obligations under this Agreement in whole or in party to any individual, firm or
corporation without the prior written consent of the other party, which consent
shall not be unreasonably withheld; except that either party may delegate any of
its rights, duties, or obligations under this Agreement to one or more of its
Subsidiaries. Any attempt to assign, transfer or otherwise delegate any of the
rights, duties, or obligations under this Agreement without the prior written
consent of the other party shall be void. Notwithstanding the foregoing, either
party may assign its rights, duties, and obligations hereunder without approval
of

                                     Page 8
<PAGE>   9
the other party to a party that succeeds to all or substantially all of its
assets (whether by sale, merger, operation of law or otherwise), provided that
such assignee or transferee agrees in writing to be bound by the terms and
conditions of this Agreement. Any assignment with consent does not release the
assignor from any of its obligations under the Agreement unless the consent so
states.

         7.4 Independent Contractors. Nothing in this Agreement shall be
construed to create an agency, joint venture, partnership or other form of
business association between the parties. Neither party has the right or
authority to make any contract, representation, or binding promise of any nature
on behalf of the other party, whether oral or written, without the express
written consent of the other party. Each party shall be and remain solely
responsible for wages, hours, and all other conditions of employment of its own
personnel during the term of this Agreement.

         7.5 No Waiver. The failure on the part of either party to exercise any
right or remedy hereunder will not operate as further waiver of such right or
remedy in the future or any other right or remedy.

         7.6 Binding. This Agreement shall be binding on the parties, their
affiliated companies, subsidiaries, successors, and assigns (if any), and they
each warrant that the signatories hereto are authorized to execute this
Agreement on behalf of the respective party. This Agreement is also binding upon
the officers, directors, agents, employees, partners, and shareholders of the
parties and any other persons acting in concert with them.

         7.7 Governing Law; Jurisdiction; Venue. The laws of the State of
California will govern this Agreement without reference to conflicts of law
principles. Jurisdiction and venue for all disputes relating to this Agreement
shall lie with the state and federal courts located in Santa Clara County,
California.

         7.8 Headings. The headings in this Agreement are for purposes of
reference only and are not intended to affect the meaning or interpretation of
this Agreement.

         7.9 Severability. If any provision in this Agreement is found to be
invalid, void, or unenforceable by a court of competent jurisdiction, the
remaining provisions will nevertheless continue in full force and effect, and if
the invalid, void or unenforceable provision is an essential part of the
Agreement, the parties shall immediately begin negotiations for its replacement.

         7.10 No Bias. This Agreement shall be interpreted as written and
negotiated jointly by the parties. It shall not be strictly construed against
either party, regardless of the actual drafter of the Agreement.

         7.11 Costs, Attorneys' Fees, and Experts' Fees. In the event any
obligation of this Agreement must be enforced, through litigation or otherwise,
the prevailing party will be

                                     Page 9
<PAGE>   10
entitled to recover reasonable costs and expenses incurred in enforcing the
obligation, including costs, reasonable attorneys' fees and experts' fees.

         7.12 Counterparts. This Agreement may be executed in duplicate and
either copy or both copies are considered originals.

         7.13 Notices. Any and all notices given under this Agreement shall be
in writing and may be effected by personal delivery, facsimile, commercial
overnight delivery, or mail, registered or certified, postage prepaid with
return receipt requested. Notices shall be sent to the parties at their
respective addresses set forth on the first page of this Agreement, with a copy
to such party's General Counsel or, in the case of the Company, to Bryan Cave
LLP, Two North Central Avenue, Suite 2200, Phoenix, Arizona 85004-4406,
Attention: Frank M. Placenti. Notices shall be deemed given on the date of
actual receipt (or refusal of delivery) when personally delivered, upon
confirmed transmission when sent by facsimile, one day after having been sent
when sent by commercial overnight delivery, and three days after having been
mailed when sent by certified or registered mail. Notwithstanding anything to
the contrary in this Section 10.13, any written notice will be effective no
later than the date actually received.

         7.14 Adequacy of Consideration. Each party acknowledges that it enters
into this Agreement of its own accord, for and in consideration of the mutual
covenants set forth herein, and for other good and valuable consideration, the
adequacy of which is hereby acknowledged, and does not do so on the basis of,
and does not rely on, any representation, warranty or other provision except as
expressly provided herein. All conditions, warranties or other terms implied by
statute or common law are hereby excluded to the fullest extent permitted by
law.

         7.15 Insurance. During the term of the Agreement, each party shall
maintain, either through external insurance coverage or internal self insurance,
such capability to bear risks associated with the performance of this Agreement
as is reasonable and prudent under the circumstances.

         7.16 Publicity. The parties shall issue a public announcement and
mutually agreed upon press release regarding the parties' relationship and the
nature of this Agreement upon execution of this Agreement.

         7.17 Entire Agreement. This Agreement (including any attached exhibits
which are hereby incorporated herein by reference) constitute the final and
entire agreement between the parties, and supersedes all prior written and oral
agreements, understandings, or communications with respect to the subject matter
of this Agreement (including without limitation any memorandums of
understanding, written proposals, and term sheets). This Agreement may not be
modified except in writing signed by a duly authorized representative of each
party. It is expressly understood and agreed that no employee, agent, or other
representative of Healtheon has any authority to bind Healtheon with respect to
any statement, representations, warranty, or other expression unless the same is
specifically set forth in this Agreement. It is also understood and agreed that
no

                                    Page 10
<PAGE>   11
usage of trade or other regular practice or method of dealing between the
parties hereto shall be used to modify, interpret, supplement, or alter in any
manner the terms of this Agreement. The parties agree that the terms and
conditions contained in this Agreement shall prevail over any terms and
conditions of any purchase order, acknowledgment form or other instrument.

         7.18 No Third Party Beneficiaries. This Agreement is made and entered
into for the sole protection and benefit of the parties hereto, and no other
person or entity shall be a direct or indirect beneficiary of, or shall have any
direct or indirect cause of action or claim in connection with this Agreement.

         7.19 Non-Solicitation. Neither Company nor Healtheon will, during the
initial term of this Agreement and for six (6) months thereafter, hire any
employee of the other engaged in activity directly related to this Agreement.

         ARTICLE 8. GLOSSARY

         8.1 "COMPANY PRODUCTS" means the products defined to be Company
Products in Exhibit B, and all updates, modifications, and improvements thereto.

         8.2 "CONFIDENTIAL INFORMATION" of a party (the "Disclosing Party")
means information concerning its business, the business of its customers and
suppliers, inventions, confidential know-how, and trade secrets that is
disclosed in writing or other tangible or intangible form to the other party
(the "Receiving Party") by the Disclosing Party or a third party having an
obligation of confidence to the Disclosing Party and is designated as
proprietary or confidential by or on behalf of a Disclosing Party. Confidential
Information does not include any information that:

         (a)      was, as of the time of its disclosure, or thereafter becomes
                  part of the public domain through a source other than the
                  Receiving Party;

         (b)      the Receiving Party can demonstrate was known to the Receiving
                  Party as of the time of its disclosure;

         (c)      the Receiving Party can demonstrate was independently
                  developed by the Receiving Party without use of or reference
                  to any information, code, documentation or materials provided
                  by the Disclosing Party; or

         (d)      the Receiving Party can demonstrate was learned from a third
                  party not under a confidentiality obligation to the Disclosing
                  Party

         8.3 "HEALTHEON SERVICES" means the services defined to be Healtheon
Services in Exhibit A, and all updates, modifications, and improvements thereto.

         8.4 "MARKS" means trademarks, service marks, trade names, brands,
logos, and other such business identifiers.

                                    Page 11
<PAGE>   12
         8.5 "NOTICE" means a communication to the other party in accordance
with Section 7.13.

         8.6 "SUBSIDIARY" means any corporation, company or other entity with
regard to which (i) more than fifty percent (50%) of whose outstanding shares or
stock entitled to vote for the election of directors or similar managing
authority is, now or hereafter, directly or indirectly owned or controlled by a
party hereto, or (ii) which does not have outstanding shares or securities but
greater than fifty percent (50%) of whose ownership interest representing the
right to make the decisions for such entity is, now or hereafter, owned or
controlled, directly or indirectly, by a party hereto; provided, however, that
in each case such corporation, company or other entity shall be deemed to be a
Subsidiary only so long as such ownership or control exists and exceeds fifty
percent (50%).

         8.7 "Y2K COMPLIANT" means the ability of the software to calculate and
compare date data between the twentieth and twenty-first centuries (including
calendar dates for leap years), without impairment in the functioning of such
software, when used in accordance with its documentation, but only if all
associated systems necessary for the installation, operation, use and
maintenance of such software (e.g., computer hardware, computer software,
Internet connectivity, and communication systems) properly exchange date data
with such software.

                          [END OF TERMS AND CONDITIONS]

                                    Page 12
<PAGE>   13
Understood and Agreed:

     FOR HEALTHEON                                        FOR COMPANY

By:                                          By: /s/ Robert F Theilmann
    -------------------------------              -------------------------------
               Signature                                   Signature
                                                     Robert F Theilmann, CFO
    -------------------------------              -------------------------------
            Name and Title                               Name and Title
                                                           3/16/00
    -------------------------------              -------------------------------
                 Date                                         Date

                                    Page 13
<PAGE>   14
                                    EXHIBIT A

                               HEALTHEON SERVICES

                               HEALTHEON PRACTICE

Healtheon Co-Branded Practice is a Co-Branded, browser-based "Provider Portal"
service through which ambulatory and office-based providers communicate with
Customer to manage the business functions and clinical work of healthcare. The
service provides a browser-based view of information contained in Customer's
systems. It does this within a secure framework. It also provides the Healthcare
Provider access to external payers and labs that are connected to the Healtheon
Practice system for business and clinical transactions along with medical
reference information.

                        HEALTHEON ADMINISTRATIVE SERVICES

The Healtheon Administrative Service provides electronic data interchange (EDI)
to connect payers, managed care organizations, and providers to exchange
transactions and information including eligibility verification, referral
request processing, claims submission and claim status.

The Healtheon Administrative Service enables healthcare organizations to improve
medical management across a distributed provider network by providing timely
eligibility information, automating the referral and authorization process, and
processing claims electronically.

                                    Page 14
<PAGE>   15
                                    EXHIBIT B

                                COMPANY PRODUCTS

QCSI PRODUCT OFFERINGS

QMACS(R) is a healthcare payor software application and the foundation of QCSI's
product offerings.

The QMACS product administers all lines of medical insurance or risk-based
business, including indemnity, managed care, Medicaid and Medicare. QMACS
applications integrate the business functions of premium billing, benefits
administration, referrals and authorizations, provider reimbursement, claims
adjudication and payment and reporting. QMACS facilitates payor business rules,
healthcare administration guidelines and required patient specific information,
thus improving workflow and effectively managing the care of a health plan
members.

aQDEN(TM) is a robust payor system for the dental care industry. aQDEN manages
all transaction relationships between the payor, its subscribers and the dental
providers. aQDEN is a state-of-the-art, object oriented, rules-based software
application which can manage multiple lines of business in dental care. aQDEN
applications integrate the business functions of premium billing, benefits
administration, referrals and authorizations, provider reimbursement, claims
adjudication and payment and reporting for dental payors.

aQHealth is an Internet-based offering which enables real-time healthcare
transactions to be completed using the Internet communication conduit by
combining QMACS and aQDEN software products. aQHealth is tailored to
specifically address the requirements of individual users including healthcare
professionals and their administration staff. Through aQHealth, payors can
enable providers secure access to a sponsoring payor's healthcare administration
information and proprietary business processes, giving them the ability to
rapidly view and transact via the Internet: enrollment, eligibility
verification, benefit plan details, referrals and prior authorization
submission, claims transmittal, claims adjudication, claims payment, reporting.

                                    Page 15
<PAGE>   16
Understood and Agreed:

     FOR HEALTHEON                           FOR COMPANY

By: /s/ Stephen D. Smith            By: /s/ Robert F. Theilmann
   ----------------------------         -----------------------------
           Signature                             Signature

    Stephen D. Smith SVP/Sales            Robert F. Theilmann CFO
   ----------------------------         -----------------------------
          Name and Title                         Name and Title

             3/28/00                                3/16/00
   ----------------------------         -----------------------------
               Date                                  Date

Confidential                               Page 13                       3/16/00

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