Document:

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                                                                   EXHIBIT 10.18

                            STOCK PURCHASE AGREEMENT

         THIS STOCK PURCHASE AGREEMENT (this "Agreement") is made as of the 26th
day of May, 2000, by and among Rushmore Financial Group, Inc., a Texas
Corporation (the "Company"), and Spectrum Insurance (the "Investor").

                                    RECITALS

         The Company desires to sell, and the Investor desires to purchase, up
to 483,334 shares (collectively, the "Shares") of the Company's Common Stock,
par value $0.01 per share (the "Common Stock"), for the consideration and on the
terms set forth in this Agreement.

         The parties, intending to be legally bound, agree as follows:

         1.       PURCHASE AND SALE OF STOCK

         1.1      SALE AND ISSUANCE OF COMMON STOCK.

                  (a) Subject to the terms and conditions of this Agreement,
         Investor agrees to purchase at the First Closing (as defined in Section
         1.2 hereof), and the Company agrees to sell and issue to Investor at
         the Closing, 166,667 shares of the Company's Common Stock at a purchase
         price of $1.50 per share. The aggregate purchase price shall be paid at
         the First Closing as follows:

                  o   $125,000 by corporate or cashier's check or wire transfer;
                      and

                  o   $125,000 in the form of a non-refundable credit to be used
                      in connection with the agreements (the "Other Agreements")
                      described in b.3. through b.9. of that certain letter from
                      Investor to the Company regarding their future
                      relationship (the "Relationship Letter").

                  (b) Subject to the terms and conditions of this Agreement,
         Investor agrees to purchase on or before 21 days after the First
         Closing, and the Company agrees to sell and issue to Investor at the
         Second Closing (as defined in Section 1.2 hereof), an additional
         166,667 shares of the Company's Common Stock at a purchase price of
         $1.50 per share. The aggregate purchase price shall be paid at the
         Second Closing as follows:

                  o   $125,000 by corporate or cashier's check or wire transfer;
                      and

                  o   $125,000 in the form of a non-refundable credit to be used
                      in connection with the Other Agreements.

                  (c) Subject to the terms and conditions of this Agreement,
         Investor agrees to purchase on or before 45 days after the First
         Closing, and the Company agrees to sell and issue to Investor at the
         Third Closing (as defined in Section 1.2 hereof), an additional 150,000
         shares of the Company's Common Stock at a purchase price of $1.50 per
         share. The aggregate purchase price shall be paid at the Third Closing
         as follows:

                  o   $150,000 by corporate or cashier's check or wire transfer;
                      and

                  o   $75,000 in the form of a non-refundable credit to be used
                      in connection with the Other Agreements.

                  (d) The Company shall (i) use its commercially reasonable
         efforts to prepare and, not later than 60 days following the Third
         Closing Date, to file with the Securities and Exchange Commission (the
         "Commission") a registration statement on an appropriate form under the
         Securities Act of 1933, as amended (the "Securities Act"), relating to
         the offer and sale of the Shares by Investor from time to time in
         accordance with the methods of distribution set forth in such
         registration statement (the "Shelf

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         Registration Statement"), and (ii) use its commercially reasonable
         efforts to cause the Shelf Registration Statement to become effective
         under the Securities Act no later than 150 days after the Third Closing
         Date. If the Shelf Registration Statement is not declared effective
         within 150 days after the Third Closing Date, the Company will be
         obligated to issue to Investor 1,000 shares of Common Stock for each
         day in the period beginning on the 151st day after the Third Closing
         Date until the date on which the Shelf Registration Statement is
         declared effective. The Company shall issue such shares to Investor as
         soon as it may practicably do so in compliance with applicable laws and
         in accordance with available exemptions from the registration
         requirements of the Securities Act. Subject to the terms and conditions
         of this Agreement, after the Third Closing Date, if the closing sale
         price of the Company's Common Stock falls below $0.75 per share for
         three consecutive trading days at any time prior to the date on which
         the Shelf Registration Statement is declared effective by the
         Commission, the Company shall issue additional shares of its Common
         Stock to Investor to reduce the effective cost per share of the shares
         of the Common Stock purchased hereunder to that market price. Investor
         understands, acknowledges and agrees that, pursuant to the provisions
         of the Securities Act, Rule 152 promulgated thereunder, and the
         interpretations of the staff of the Commission thereof, the Company
         cannot issue any additional shares of its Common Stock to Investor
         pursuant to this paragraph at any time during the period beginning on
         the date on which the Shelf Registration Statement is filed with the
         Commission and ending after the date on which the offering contemplated
         thereby is completed. If disputes arise under this paragraph (d), the
         parties agree to arbitration by a single arbitrator under the rules of
         the American Arbitration Association. The decision of the arbitrator
         will be final and binding on both parties.

                  (e) Investor agrees to cooperate fully with, and to furnish
         all necessary information to, the Company in connection with the
         preparation and filing of the Shelf Registration Statement.

                  (f) When respect to the convertible preferred described in the
         Relationship Letter, instead of convertible preferred, the Company will
         issue registered Common Stock at the money at the time of issuance,
         except that if the market price at the time of issuance is less than
         $0.75 per share, the market price will be deemed to be $0.75, and if
         the market price is greater than $3.00, the market price will be deemed
         to be $3.00.

                  (g) The Company will cause one representative designated by
         Investor to be elected to the Company's Board of Directors at the next
         meeting of the Company's Board of Directors.

         1.2      CLOSING.

                  (a) The purchase and sale of the Common Stock described in
         Section 1.1(a) above shall take place at the offices of the Company,
         One Galleria Tower, 13355 Noel Road, 6th Floor, Dallas, Texas, on May
         26, 2000, or at such other time and place as the Company and Investor
         shall mutually agree, either orally or in writing (which time and place
         are designated as the "First Closing"). The date on which the First
         Closing is held is referred to herein as the "First Closing Date". The
         purchase and sale of the Common Stock described in Section 1.1(b) above
         shall take place at the offices of the Company, One Galleria Tower,
         13355 Noel Road, 6th Floor, Dallas, Texas, on the last business day of
         the period specified therein, or at such other time and place as the
         Company and Investor shall mutually agree, either orally or in writing
         (which time and place are designated as the "Second Closing"). The date
         on which the Second Closing is held is referred to herein as the
         "Second Closing Date". The purchase and sale of the Common Stock
         described in Section 1.1(c) above shall take place at the offices of
         the Company, One Galleria Tower, 13355 Noel Road, 6th Floor, Dallas,
         Texas, on the last business day of the period specified therein, or at
         such other time and place as the Company and Investor shall mutually
         agree, either orally or in writing (which time and place are designated
         as the "Third Closing"). The date on which the Third Closing is held is
         referred to herein as the "Third Closing Date".

                  (b) At the Closing, the Company shall deliver to Investor a
         certificate representing the shares of Common Stock that Investor is
         purchasing against payment of the purchase price therefor as described
         above.

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         2.   REPRESENTATIONS AND WARRANTIES OF THE COMPANY

              The Company hereby represents and warrants to Investor that,
         except as set forth on a Schedule of Exceptions furnished to Investor
         and special counsel for the Investor, specifically identifying the
         relevant Sections(s) hereof, which exceptions shall be deemed to be
         representations and warranties as if made hereunder:

              2.1 ORGANIZATION; GOOD STANDING; QUALIFICATION

              The Company is a corporation duly organized, validly existing, and
         in good standing under the laws of the State of Texas, has all
         requisite corporate power and authority to own and operate its
         properties and assets and to carry on its business as now conducted and
         as presently proposed to be conducted, to execute and deliver this
         Agreement, to issue and sell the Common Stock, and to carry out the
         provisions of this Agreement. The Company is duly qualified and is
         authorized to transact business and is in good standing as a foreign
         corporation in each jurisdiction in which the failure so to qualify
         would have a material adverse effect on its business, properties,
         prospects, or financial condition.

              2.2 AUTHORIZATION.

              All corporate action on the part of the Company, its officers,
         directors and stockholders necessary for the authorization, execution
         and delivery of this Agreement, the performance of all obligations of
         the Company hereunder at the Closing and the authorization, issuance,
         sale, and delivery of the Common Stock being sold hereunder has been
         taken, and this Agreement, when executed and delivered, will constitute
         the valid and legally binding obligation of the Company, enforceable in
         accordance with their respective terms except (i) as limited by the
         applicable bankruptcy, insolvency, reorganization, moratorium, and
         other laws of general application affecting enforcement of creditors'
         rights generally, and (ii) as limited by laws relating to the
         availability of specific performance, injunctive relief, or other
         equitable remedies.

              2.3 VALID ISSUANCE OF COMMON STOCK.

              The Common Stock that is being purchased by the Investor
         hereunder, when issued, sold, and delivered in accordance with the
         terms of this Agreement, for the consideration expressed herein, will
         be duly and validly issued, fully paid, and nonassessable, and will be
         free of restrictions on transfer other than restrictions on transfer
         under this Agreement and under applicable state and federal securities
         laws.

              2.4 SEC FILINGS; FINANCIAL STATEMENTS

                  (a) The Company has filed all forms, reports and documents
              required to be filed by it with the Securities and Exchange
              Commission ("SEC") since January 1, 2000. The Company has
              delivered to the Investor, in the form filed with the SEC, (i) its
              Annual Report on Form 10-KSB for the year ended December 31, 1999,
              (ii) all proxy statements relating to the Company's meetings of
              stockholders (whether annual or special) held since January 1,
              2000, (iii) all other reports or registration statements filed by
              the Company with the SEC (other than Reports on Form 3, 4, or 5
              and Schedules 13G filed on behalf of affiliates of the Company)
              since January 1, 2000, and (iv) all amendments and supplements to
              all such reports filed by the Company with the SEC (collectively,
              the "Company SEC Reports"). The Company SEC Reports (i) were
              prepared in accordance with the requirements of the Securities Act
              or the Securities Exchange Act of 1934, as amended, (the "Exchange
              Act"), as the case may be, and (ii) did not at the time they were
              filed (or if amended or superseded by a filing prior to the date
              of this Agreement, then on the date of such filing) contain any
              untrue statement of a material fact or omit to state a material
              fact required to be stated therein or necessary in order to make
              the statements therein, in the light of the circumstances under
              which they were made, not misleading.

                  (b) Each of the financial statements (including, in each case,
              any related notes thereto) contained in the Company SEC Reports
              (collectively, the "Financial Statements") was prepared in
              accordance with United States Generally Accepted Accounting
              Principles ("GAAP") applied on a consistent basis throughout the
              periods involved (except as may be indicated therein or in the
              notes thereto), and each fairly presents in all material respects
              the consolidated financial position of the Company and its
              subsidiaries as at the respective dates thereof and the
              consolidated results of its operations and cash flows for the
              periods indicated, except that the unaudited interim financial
              statements were or are subject to normal and recurring year-end
              adjustments and such statements do not contain notes thereto.

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                  (c) The Company has heretofore furnished to the Investor a
              complete and correct copy of any amendments or modifications,
              which have not yet been filed with the SEC but which are required
              to be filed, to agreements, documents or other instruments which
              previously had been filed by the Company with the SEC pursuant toe
              the Securities Act or the Exchange Act.

         2.5 DISCLOSURE.

         The Company has provided Investor with all the information reasonably
     available to it without undue expense that Investor has requested for
     deciding whether to purchase the Common Stock and all information that the
     Company believes is reasonably necessary to enable such Investor to make
     such decision, including all information available regarding the Company's
     settlement agreement with John Vann. To the best of the Company's
     knowledge after reasonable investigation, neither this Agreement nor any
     other agreements, written statements, or certificates made or delivered in
     connection herewith contains any untrue statement of a material fact or
     omits to state a material fact necessary to make the statements herein or
     therein not misleading.

         3. REPRESENTATIONS AND WARRANTIES OF THE INVESTORS

         Investor hereby represents and warrants to the Company that:

         3.1 AUTHORIZATION.

         Investor has full power and authority to enter into this Agreement, and
     that this Agreement, when executed and delivered, will constitute a valid
     and legally binding obligation of Investor.

         3.2  PURCHASE ENTIRELY FOR OWN ACCOUNT.

         This Agreement is made with Investor in reliance upon Investor's
     representations to the Company, which by Investor's execution of this
     Agreement Investor hereby confirms, that the Common Stock to be purchased
     by Investor and the Common Stock issuable upon conversion thereof
     (collectively, the "Securities") will be acquired for investment for
     Investor's own account, not as a nominee or agent, and not with a view to
     the resale or distribution of any part thereof, and that Investor has no
     present intention of selling, granting any participation in, or otherwise
     distributing the same. By executing this Agreement, Investor further
     represents that Investor does not have any contract, undertaking, agreement
     or arrangement with any person to sell, transfer or grant participations to
     such persons or to any third person, with respect to any of the Securities.

         3.3 RELIANCE UPON INVESTOR' REPRESENTATIONS.

         Investor understands that the Common Stock is not, and any Common Stock
     acquired on conversion thereof at the time of issuance may not be,
     registered under the Securities Act on the ground that the sale provided
     for in this Agreement and the issuance of securities hereunder is exempt
     from registration under the Securities Act pursuant to Section 4(2)
     thereof, and that the Company's reliance on such exemption is predicated on
     the Investor' representations set forth herein.

         3.4 RECEIPT OF INFORMATION.

         Investor has received all the information Investor considers necessary
     or appropriate for deciding whether to purchase the Common Stock. Investor
     further represents that Investor has had an opportunity to ask questions
     and receive answers from the Company and its directors and officers
     regarding the terms and conditions of the offering of the Common Stock and
     the business, properties, prospects, and financial condition of the Company
     and to obtain additional information (to the extent the Company possessed
     such information or could acquire it without unreasonable effort or
     expense) necessary to verify the accuracy of any information furnished to
     Investor or to which Investor had access.

         3.5 INVESTMENT EXPERIENCE.

         Investor represents that Investor is experienced in evaluating and
     investing in private placement transactions of securities of companies in a
     similar stage of development and acknowledges that Investor is able to fend
     for itself, can bear the economic risk of Investor's investment, and has
     such knowledge and experience in financial and business matters that
     Investor is capable of evaluating the merits and risks of the investment in

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     the Common Stock. Investor represents that Investor has not been organized
     for the purpose of acquiring the Common Stock.

         3.6 ACCREDITED INVESTOR.

             (a) The term "Accredited Investor" as used herein refers to:

                   (i) A person or entity who is a director or executive officer
             of the Company;

                   (ii) Any bank as defined in Section 3(a)(2) of the Securities
             Act, or any savings and loan association or other institution as
             defined in Section 3(a)(5)(A) of the Securities Act whether acting
             in its individual or fiduciary capacity; any broker or dealer
             registered pursuant to Section 15 of the Securities Exchange Act of
             1934; any insurance company as defined in Section 2(13) of the
             Securities Act; any investment company registered under the
             Investment Company Act of 1940 or a business development company as
             defined in Section 2(a)(48) of that Act; any Small Business
             Investment Company licensed by the U.S. Small Business
             Administration under Section 301(c) or (d) of the Small Business
             Investment Act of 1958; any plan established and maintained by a
             state, its political subdivisions, or any agency or instrumentality
             of a state or its political subdivisions, for the benefit of its
             employees, if such plan has total assets in excess of $5,000,000;
             any employee benefit plan within the meaning of Title I of the
             Employee Retirement Income Security Act of 1974, if the investment
             decision is made by a plan fiduciary, as defined in Section 3(21)
             of such Act, which is either a bank, savings and loan association,
             insurance company, or registered investment advisor, or if the
             employee benefit plan has total assets in excess of $5,000,000 or,
             if a self-directed plan, with investment decisions made solely by
             persons that are accredited investors;

                   (iii) Any private business development company as defined in
             Section 202(a)(22) of the Investment Advisers Act of 1940;

                   (iv) Any organization described in Section 501(c)(3) of the
             Internal Revenue Code, corporation, Massachusetts or similar
             business trust, or partnership, not formed for the specific purpose
             of acquiring the securities offered, with total assets in excess of
             $5,000,000;

                   (v) Any natural person whose individual net worth, or joint
             net worth with that person's spouse, at the time of the purchase
             exceeds $1,000,000;

                   (vi) Any natural person who had an individual income in
             excess of $200,000 in each of the two most recent years or joint
             income with that person's spouse in excess of $300,000 in each of
             those years and has a reasonable expectation of reaching the same
             income level in the current year;

                   (vii) Any trust, with total assets in excess of $5,000,000,
             not formed for the specific purpose of acquiring the securities
             offered, whose purchase is directed by a person who has such
             knowledge and experience in financial and business matters that he
             or she is capable of evaluating the merits and risks of the
             prospective investment; or

                   (viii) Any entity in which all of the equity owners are
             accredited investors.

             As used in this Section, the term "net worth" means the excess of
         total assets over total liabilities. For the purpose of determining a
         person's net worth, the principal residence owned by an individual
         should be valued at fair market value, including the cost of
         improvements, net of current encumbrances. As used in this Section,
         "income" means actual economic income, which may differ from adjusted
         gross income for tax purposes. Accordingly, Investor should consider
         whether Investor should add any or all of the following items to
         Investor's adjusted gross income for income tax purposes in order to
         reflect more accurately Investor's actual economic income: any amounts
         attributable to tax-exempt income received, losses claimed as a limited
         partner in any limited partnership, deductions claimed for depletion,
         contributions to an IRA or Keogh retirement plan, and alimony payments.

             (b) Investor represents and warrants that Investor is an accredited
         Investor.

         3.7 RESTRICTED SECURITIES.

         Investor understands that the Common Stock may not be sold,
     transferred, or otherwise disposed of without registration under the
     Securities Act or an exemption therefrom, and that in the absence of an
     effective registration statement covering the Common Stock or an available
     exemption from registration under the

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     Securities Act, the Common Stock must be held indefinitely. In particular,
     Investor is aware that the Common Stock may not be sold pursuant to Rule
     144 promulgated under the Securities Act unless all of the conditions of
     that Rule are met.

         3.8 LEGENDS.

         To the extent applicable, each certificate or other document evidencing
     any of the Common Stock shall be endorsed with the legends substantially in
     the form set forth below:

             The following legend under the Securities Act:

         "THE SHARES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER THE
         SECURITIES ACT OF 1933, AS AMENDED, AND MAY NOT BE SOLD, TRANSFERRED,
         ASSIGNED, PLEDGED, OR HYPOTHECATED UNLESS AND UNTIL REGISTERED UNDER
         SUCH ACT, OR UNLESS THE COMPANY HAS RECEIVED AN OPINION OF COUNSEL OR
         OTHER EVIDENCE, SATISFACTORY TO THE COMPANY AND ITS COUNSEL, THAT SUCH
         REGISTRATION IS NOT REQUIRED."

             Any legend imposed or required by the Company's Bylaws or
         applicable state securities laws.

         3.9 FURTHER REPRESENTATION BY FOREIGN INVESTOR.

         If Investor is not a U.S. Person, Investor hereby represents that
     Investor is satisfied as to the full observance of the laws of Investor's
     jurisdiction in connection with any invitation to subscribe for the common
     Stock or any use of this Agreement, including (i) the legal requirements
     with Investor's jurisdiction for the purchase of the Common Stock, (ii) any
     foreign exchange restrictions applicable to such purchase, (iii) any
     governmental or other consents that may need to be obtained, and (iv) the
     income tax and other tax consequences, if any, which may be relevant to the
     purchase, holding, redemption, sale, or transfer of the Common Stock.
     Investor's subscription and payment for, and Investor's continued
     beneficial ownership of, the Common Stock will not violate any applicable
     securities or other laws of Investor's jurisdiction.

         4. MISCELLANEOUS

         4.1 ENTIRE AGREEMENT.

         This Agreement and the documents referred to herein constitute the
     entire agreement among the parties and no party shall be liable or bound to
     any other party in any manner by any warranties, representation, or
     covenants except as specifically set forth herein or therein.

         4.2 SURVIVAL OF WARRANTIES.

         The warranties, representations, and covenants of the Company and the
     Investor contained in or made pursuant to this Agreement shall survive the
     execution and delivery of this Agreement and the Closing.

         4.3 SUCCESSORS AND ASSIGNS.

         Except as otherwise provided herein, the terms and conditions of this
     Agreement shall inure to the benefit of and be binding upon the respective
     successors and permitted assigns of the parties. Nothing in this Agreement,
     express or implied, is intended to confer upon any party other than the
     parties hereto or their respective successors and assigns any rights,
     remedies, obligations, or liabilities under or by reason of this Agreement,
     except as expressly provided in this Agreement.

         4.4 GOVERNING LAW.

             THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED UNDER THE LAWS OF
         THE STATE OF TEXAS WITHOUT REGARD TO CONFLICTS OF LAWS PRINCIPLES.

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         4.5 COUNTERPARTS.

         This Agreement may be executed in two or more counterparts, each of
     which shall be deemed an original, but all of which together shall
     constitute one and the same instrument.

         4.6 TITLES AND SUBTITLES.

         The titles and subtitles used in this Agreement are used for
     convenience only and are not to be considered in construing or interpreting
     this Agreement.

         4.7 NOTICES.

         Unless otherwise provided, all notices and other communications
     required or permitted under this Agreement shall be in writing and shall be
     mailed by United States first-class mail, postage prepaid, sent by
     facsimile or delivered personally by hand or by a nationally recognized
     courier addressed to the Company, One Galleria Tower, 13355 Noel Road, 6th
     Floor, Dallas, Texas 75240, facsimile number (972) 450-6001, or to the
     Investor at the address or facsimile number indicated on the signature page
     hereto. All such notices and other written communications shall be
     effective on the date of mailing, confirmed facsimile transfer or delivery.

         4.8 FINDERS FEES.

         Investor agrees to indemnify and to hold harmless the Company from any
     liability for any commission or compensation in the nature of a finders fee
     (and the cost and expenses of defending against such liability or asserted
     liability) for which the Investor or any of its officers, partners,
     employees, or representatives is responsible.

         The Company agrees to indemnify and hold harmless Investor from any
     liability for any commission or compensation in the nature of a finder's
     fee (and the costs and expenses of defending against such liability or
     asserted liability) for which the Company or any of its officers,
     employees, or representatives is responsible.

         4.9 EXPENSES.

         Irrespective of whether the Closing is effected, the Company shall pay
     all costs and expenses that it incurs with respect to the negotiation,
     execution, delivery and performance of this Agreement.

         4.10 ATTORNEYS FEES.

         If any action at law or in equity is necessary to enforce or interpret
     the terms of this Agreement, the prevailing party shall be entitled to
     reasonable attorney's fees, costs, and disbursements in addition to any
     other relief to which such party may be entitled.

         4.11 AMENDMENTS AND WAIVERS.

         Any term of this Agreement may be amended and the observance of any
     term of this Agreement may be waived (either generally or in a particular
     instance and either retroactively or prospectively), only with the written
     consent of the Company and Investor.

         4.12 SEVERABILITY.

         If one or more provisions of this Agreement are held to be
     unenforceable under applicable law, such provision shall be excluded from
     this Agreement and the balance of the Agreement shall be interpreted as if
     such provision were so excluded and shall be enforceable in accordance with
     its terms.

         4.13 ON-GOING PRIVATE PLACEMENT.

         Investor understands, acknowledges and agrees that the Company may
     continue with a private offering as previously described to Investor. If,
     however, the Company were to sell securities in any private offering at a
     price less than $0.75 per share, then, in such event, all purchase prices
     per share pursuant to which Investor is

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     purchasing the Shares hereunder and shares referenced in shares in
     Paragraph 1.1.f. will be reduced to such lower private offering price.

         COMPANY SIGNATURE PAGE

         IN WITNESS WHEREOF, the parties have executed this Stock Purchase
Agreement as of the date first above written.

                               RUSHMORE FINANCIAL GROUP, INC.

                               /s/ D. M. (Rusty) Moore, Jr.
                               ----------------------------
                               Chairman, President, and Chief Executive Officer

         INVESTOR SIGNATURE PAGE

                                    INVESTOR:

                                    SPECTRUM INSURANCE

                                             /s/ David Demas
                                             ---------------------------------
                                             President

                                             Address:   2500 West Higgins Road
                                                        Suite 500
                                                        Hoffman Estates, 60195
                                             Fax:       (847) 310-3477<PAGE>   1
                                                                    EXHIBIT 10.2

                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT (this "Agreement"), made and entered into
this 1st day of July, 2000, to be effective on July 1, 2000 (the "Effective
Date"), by and between INSpire Insurance Solutions, Inc., a Texas corporation
("Employer"), and Gordon L. Gaar, a resident of Texas ("Employee").

                                   WITNESSETH:

         WHEREAS, Employer is a corporation engaged in business in the State of
Texas and throughout the United States;

         WHEREAS, Employer desires to employ Employee in the capacity of
Executive Vice President and Chief Technology Officer, upon the terms and
conditions hereinafter set forth; and

         WHEREAS, Employee is willing to enter into this Agreement with respect
to his employment and services upon the terms and conditions hereinafter set
forth.

         NOW, THEREFORE, in consideration of the mutual covenants and
obligations contained herein, Employer hereby employs Employee and Employee
hereby accepts such employment upon the terms and conditions hereinafter set
forth:

         1. Term of Agreement. The term of this Agreement shall commence on the
effective date of this Agreement and shall terminate on July 1, 2001. The term
of this Agreement shall automatically be extended for additional one-year
periods commencing on July 1, 2001 and on each July 1 thereafter, unless either
Employee or Employer gives written notice to the other on or before April 1,
2001 or any April 1 thereafter of his or its intention not to extend this
Agreement.

         2. Duties of Employee.

                  (a) Executive Vice President and Chief Technology Officer.
         Employee agrees that during the term of this Agreement, he will devote
         his full professional and business-related time, skills and best
         efforts to the businesses of Employer in the capacity of Executive Vice
         President and Chief Technology Officer, or such other capacity as
         Employer and Employee may agree upon. If there are major significant
         changes in the duties or responsibilities of Employee from those listed
         as Prohibited Activities on Exhibit A attached hereto, that are not
         mutually agreed upon, Employee may terminate his employment within
         sixty (60) days of any such change. In addition, Employee shall devote
         all necessary time and his best efforts in the performance of any other
         duties as may be assigned to him from time to time by the Board of
         Directors of Employer. Employee shall devote his full professional and
         business skills to Employer as his primary responsibility. Employee may
         engage in personal, passive investment activities provided such
         activities do not interfere with the performance of his duties
         hereunder and violate the noncompetition and nondisclosure provisions
         set forth herein.

<PAGE>   2

                  (b) Other Positions. Nothing herein shall be construed to
         prohibit Employee from serving on the boards of non-competitive
         businesses or non-profit community organizations or similar entities.

         3. Compensation.

                  (a) Base Salary. Employer shall pay Employee an annual base
         salary of two hundred and twenty thousand dollars ($220,000) per annum
         (or fraction for portions of a year). Such base salary will be adjusted
         from time to time in accordance with then current standard salary
         administration guidelines of Employer. Employee's salary shall be
         subject to all appropriate federal and state withholding taxes and
         shall be payable in accordance with the normal payroll procedures of
         Employer.

                  (b) Annual Bonus. In addition to the salary set forth in
         Section 3(a) hereof, Employee shall be entitled to participate in the
         Bonus Plan each year during the term of this Agreement- Employer agrees
         that the Bonus Plan shall not be terminated by Employer prior to the
         termination of this Agreement.

         4. Fringe Benefits. The terms of this Agreement shall not foreclose
Employee from participating with other employees of Employer in such fringe
benefit or incentive compensation plans as may be authorized and adopted from
time to time by Employer, provided, however, that Employee must meet any and all
eligibility provisions required under said fringe benefit or incentive
compensation plans. Employee may be granted such other fringe benefits or
perquisites as Employee and Employer may from time to time agree upon.

         5. Vacations. Employee shall be entitled to the number of paid vacation
days in each calendar year as shall be determined by the Board of Directors of
Employer from time to time. In no event, however, shall Employee be entitled to
less than four weeks paid vacation during each calendar year.

         6. Reimbursement of Expenses. Employer recognizes that Employee will
incur legitimate business expenses in the course of rendering services to
Employer hereunder. Accordingly, Employer shall reimburse Employee, upon
presentation of receipts or other adequate documentation, for all necessary and
reasonable business expenses incurred by Employee in the course of rendering
services to Employer under this Agreement.

         7. Working Facilities. Employee shall be furnished an office, personal
secretary and such other facilities and services suitable to his position and
adequate for the performance of his duties, which shall be consistent with the
policies of Employer.

         8. Termination. The employment relationship between Employee and
Employer created hereunder shall terminate before the expiration of the stated
term of this Agreement upon the occurrence of any one of the following events:

                  (a) Death or Permanent Disability. The death or permanent
         disability of Employee. For the purpose of this Agreement the
         "permanent disability" of Employee shall mean Employee's inability,
         because of his injury, illness, or other incapacity (physical or
         mental), to perform the essential functions of the position
         contemplated

                                       2
<PAGE>   3

         herein, with or without reasonable accommodation to Employee with
         respect to such injury, illness or other incapacity, for a continuous
         period of 150 days or for 180 days out of a continuous period of 360
         days. Such permanent disability shall be deemed to have occurred on the
         150th consecutive day or on the 180th day within the specified period,
         whichever is applicable.

                  (b) Termination for Cause. The following events, which for
         purposes of this Agreement shall constitute "cause" for termination:

                           (1) The willful breach by Employee of any provision
                           of Sections 2, 11, 12, or 13 hereof (including but
                           not limited to a refusal to follow lawful directives
                           of the Board of Directors of Employer) after notice
                           to Employee of the particular details thereof and a
                           period of 10 days thereafter within which to cure
                           such breach and the failure of Employee to cure such
                           breach within such 10 day period;

                           (2) Any act of fraud, misappropriation or
                           embezzlement by Employee with respect to any aspect
                           of Employer's business,

                           (3) The illegal use of drugs by Employee during the
                           term of this Agreement that, in the determination of
                           the Board of Directors of Employer, substantially
                           interferes with Employee's performance of his duties
                           hereunder;

                           (4) Substantial failure of performance by Employee
                           that is repeated or continued after 30 day written
                           notice to Employee of such failure and that is
                           reasonably determined by the Board of Directors of
                           Employer to be materially injurious to the business
                           or interests of Employer and which failure is not
                           cured by Employee within such 30 day period; or

                           (5) Conviction of Employee by a court of competent
                           jurisdiction of a felony or of a crime involving
                           moral turpitude.

         Any notice of discharge shall describe with reasonable specificity the
cause or causes for the termination of Employee's employment, as well as the
effective date of the termination (which effective date may be the date of such
notice). If Employer terminates Employee's employment for any of the reasons set
forth above, Employer shall have no further obligations hereunder from and after
the effective date of termination (other than as set forth below) and shall have
all other rights and remedies available under this or any other agreement and at
law or in equity.

                  (c) Termination by Employee with Notice. Employee may
         terminate this Agreement without liability to Employer arising from the
         resignation of Employee upon thirty days written notice to Employer.
         Employer retains the right after proper notice of Employee's voluntary
         termination to require Employee to cease employment immediately;
         provided, however, in such event, Employer shall remain obligated to
         pay Employee his salary during the thirty days notice period or the
         remaining term of this Agreement, whichever is less. During such thirty
         days notice period, Employee shall

                                       3
<PAGE>   4

         provide such consulting services to Employer as Employer may reasonably
         request and shall assist Employer in training his successor and
         generally preparing for an orderly transition.

                  (d) Termination by Employer with Notice. Employer may
         terminate this Agreement at any time upon one (1) year written notice
         to Employee; provided, however, upon such notice Employee shall not be
         required to perform any services for Employer other than during the
         period of three (3) months immediately following the receipt of such
         notice of termination in which Employee shall assist Employer in
         training his successor and generally preparing for an orderly
         transition. Notice by Employer of its intention to not extend this
         Agreement under Section I will constitute termination under this
         provision.

         9. Compensation Upon Termination.

                  (a) General. Upon the termination of Employee's employment
         under this Agreement before the expiration of the stated term hereof
         for any reason, Employee shall be entitled to (i) the salary earned by
         him before the effective date of termination, as provided in Section
         3(a) hereof, prorated on the basis of the number of full days of
         service rendered by Employee during the year to the effective date of
         termination, (ii) any accrued, but unpaid, vacation or sick leave
         benefits, (iii) any authorized but unreimbursed business expenses, and
         (iv) any accrued, but unpaid annual bonus.

                  (b) Termination For Other Than Cause. If such termination is
         the result of the discharge of Employee by Employer for any reason
         other than (i) by Employer or Employee with notice pursuant to Section
         8(d) or 8(c), respectively, or (ii) for cause (as defined in Section
         8(b) hereof), then Employee shall be entitled to receive as a severance
         payment an amount equal to the salary (excluding bonuses) that Employee
         would have received for the remainder of the term of this Agreement in
         accordance with the regular payroll periods during the remainder of the
         term of this Agreement. If Employee's employment hereunder terminates
         because of the death of Employee, all amounts that may be due to him
         under the terms of this Agreement shall be paid to his administrators,
         personal representatives, heirs and legatees, as may be appropriate.

                  (c) Termination For Cause. If the employment relationship
         hereunder is terminated by Employer for cause (as defined in Section
         8(b) hereof), Employee shall not be entitled to any severance
         compensation, except as provided in Section 9(a) above.

                  (d) Termination by Employer with Notice. If the employment
         relationship is terminated by Employer other than for cause, then
         Employee shall be entitled to receive as a severance payment and as
         compensation for all services performed hereunder pursuant to Section
         8(d) hereof an amount equal to the salary that Employee would have
         received for the remainder of the term of this Agreement in accordance
         with the regular payroll periods of Employer during the applicable
         period.

                  (e) Termination by Employee with Notice. If the employment
         relationship is terminated by Employee pursuant to the provisions of
         Section 8(c) hereof, Employee

                                       4
<PAGE>   5

         shall be entitled to receive as a severance payment and as compensation
         for all services performed hereunder pursuant to Section 8(c) hereof
         the salary that Employee would have received for the remainder of the
         term of this Agreement or one (1) year, whichever is less, in
         accordance with the regular payroll period of Employer during the
         applicable period.

                  (f) Survival. The provisions of Sections 9, 11, 12, and 13
         hereof shall survive the termination of the employment relationship
         hereunder and this Agreement to the extent necessary or reasonably
         appropriate to effect the intent of the parties hereto as expressed in
         such provisions.

         10. Other Agreements. This Agreement shall be separate and apart from,
and shall be deemed to alter the terms of, any executive compensation
agreements, deferred compensation agreements, bonus agreements, general
employment benefits plans, stock option plans and any other plans or agreements
entered into between Employee and Employer pursuant to which Employee has been
granted specific rights, benefits or options.

         11. Noncompetition. Employee agrees that, during his employment with
Employer and for a period of two (2) years from the date of termination of his
employment with Employer, he will not directly or indirectly compete with
Employer by engaging in the activities set forth on Exhibit A attached hereto
and incorporated herein by reference (the "Prohibited Activities") within the
geographic area of the United States of America (the "Restricted Area"). For
purposes of this Section 11, Employee recognizes and agrees that Employer
conducts and will conduct business in the entire Restricted Area and that
Employee will perform his duties for Employer within the entire Restricted Area.
Employee shall be deemed to be engaged in and carrying on the Prohibited
Activities if he engages in the Prohibited Activities in any capacity
whatsoever, including, but not limited to, by or through a partnership of which
he is a general or limited partner or an employee engaged in such activities, or
by or through a corporation or association of which he owns five percent (5%) or
more of the stock or of which he is an officer, director, employee, member,
representative, joint venturer, independent contractor, consultant or agent who
is engaged in such activities. Employee agrees that during the two (2) year
period described above, he will notify Employer of the name and address of each
employer with whom he has accepted employment during such period. Such
notification shall be made in writing within five (5) days after Employee
accepts any employment or new employment by certified mail, return receipt
requested.

         12. Confidential Data. Employee further agrees that, during his
employment with Employer and thereafter, he will keep confidential and not
divulge to anyone, disseminate nor appropriate for his own benefit or the
benefit of another any confidential information described in Exhibit C attached
hereto and incorporated by reference herein (the "Confidential Data"). Employee
hereby acknowledges and agrees that this prohibition against disclosure of
Confidential Data is in addition to, and not in lieu of, any rights or remedies
that Employer may have available pursuant to the laws of any jurisdiction or at
common law to prevent the disclosure of trade secrets, and the enforcement by
Employer of its rights and remedies pursuant to this Agreement shall not be
construed as a waiver of any other rights or available remedies that it may
possess in law or equity absent this Agreement.

                                       5
<PAGE>   6

         13. Nonsolicitation of Employee. Employee covenants that, during his
employment with Employer and for a period of one (1) year from the date of
termination of his employment with Employer, he will not (i) directly or
indirectly induce or attempt to induce any employee of Employer to terminate his
or her employment or (ii) without prior written consent of Employer, offer
employment either on behalf of himself or on behalf of any other individual or
entity to any employee of Employer or to any terminated employee of Employer.

         14. Property of Employees. Employee acknowledges that from time to time
in the course of providing services pursuant to this Agreement he shall have the
opportunity to inspect and use certain property, both tangible and intangible,
of Employer and Employee hereby agrees that such property shall remain the
exclusive property of Employer, and Employee shall have no right or proprietary
interest in such property, whether tangible or intangible, including, without
limitation, Employee's customer and supplier lists, contract forms, books of
account, computer programs and similar property.

         15. Equitable Relief. Employee acknowledges that the services to be
rendered by him are of a special, unique, unusual, extraordinary, and
intellectual character, which gives them a peculiar value, and the loss of which
cannot reasonably or adequately be compensated in damages in an action at law,
and that a breach by him of any of the provisions contained in this Agreement
will cause Employer irreparable injury and damage. Employee further acknowledges
that he possesses unique skills, knowledge and ability and that competition by
him in violation of this Agreement or any other breach of the provisions of this
Agreement would be extremely detrimental to Employer. By reason thereof,
Employee agrees that Employer shall be entitled, in addition to any other
remedies it may have under this Agreement or otherwise, to injunctive and other
equitable relief to prevent or curtail any breach of this Agreement by him.

         16. "Change of Control". In the event (each such event a "Change of
Control"): (1) Employer becomes a subsidiary of another corporation or entity or
is merged or consolidated into another corporation or entity or substantially
all of the assets of Employer are sold to another corporation or entity; or (2)
any person, corporation, partnership or other entity, either alone or in
conjunction with its "affiliates," as that term is defined in Rule 405 of the
General Rules and Regulations under the Securities Act of 1933, as amended, or
other group of persons, corporations, partnerships or other entities who are not
"affiliates" but who are acting in concert, becomes the owner of record or
beneficially of securities of Employer that represent thirty-three and one-third
percent (331/3%) or more of the combined voting power of Employers then
outstanding securities entitled to elect Directors; or (3) the Board of
Directors of Employer or a committee thereof makes a determination in its
reasonable judgment that a "Change of Control" of Employer has taken place; or
(4) if the original Board of Directors of Employer that existed on the effective
date of this Agreement or those directors nominated by the original Board of
Directors no longer constitute a majority, then this is deemed to be a "Change
of Control"; the term during which this Agreement shall be effective shall be
two (2) years from the Change of Control, and Employee's compensation for such
period shall be based on the following formula, shall be subject to the
following conditions, and shall be in lieu of the compensation provided for
under Section 3 of this Agreement and in lieu of the compensation upon
termination provided for under Section 9 of this Agreement (except for Section
9(a), which shall still apply):

                                       6
<PAGE>   7

                  (a) Employee shall be paid an annual salary two (2) years
         consisting of one hundred percent (100%) of the average amount of total
         cash compensation, excluding payments made under tax benefit bonuses
         paid upon the lapse of resale restrictions on common stock for certain
         officers, of Employee for the two (2) calendar years prior to the
         Change of Control.

                  (b) Notwithstanding any other provision of this Agreement, if
         (a) there is a change in the ownership or effective control of Employer
         or in the ownership of a substantial portion of the assets of Employer
         [within the meaning of Section 280G(b) (2) (A) of the Internal Revenue
         Code (the "Code")], and (b) the payments otherwise to be made pursuant
         to Section 16 and any other payments or benefits otherwise to be paid
         to Executive in the nature of compensation to be received by or for the
         benefit of Employee and contingent upon such event (the "Termination
         Payments") would create an "excess parachute payment" within the
         meaning of Section 280G of the Code, then Employer shall make the
         Termination Payments in substantially equal installments, the first
         installment being due within thirty days after the date of termination
         and each subsequent installment being due on July 1 of each year, such
         that the aggregate present value of all Termination Payments, whether
         pursuant to this Agreement or otherwise, will be as close as possible
         to, but not exceed, 299% of the Executive's base amount, within the
         meaning of Section 280G.

                  (c) Employer shall have no obligation to pay the amounts set
         forth in paragraphs (a) of Section 16 as limited by paragraph (c) if
         there is reasonable proof that the noncompetition or confidential data
         provisions of Sections 11 and 12, respectively, of this Agreement are
         being violated.

                  (d) In the event the employment relationship is terminated for
         cause (pursuant to Section 8(b) hereof) following a Change of Control,
         Employer shall not be obligated to make any further payments of the
         compensation amounts provided for in this Agreement, except as provided
         in Section 9(a) above. Notwithstanding any other provision of this
         Agreement, except for paragraphs (e) and (j) of this Section 16, which
         shall control in the event Employee terminates employment as provided
         in paragraphs (e) and (j), in the event Employee voluntarily terminates
         employment following a Change of Control for other than Good Reason, as
         defined hereinafter, compensation amounts set forth in paragraphs (a)
         and (b) shall be payable only for a one (1) year period following
         termination of employment.

                  (e) "Good Reason" to terminate employment with Employer occurs
         if: (1) duties are assigned that are materially inconsistent with
         previous duties; (2) duties and responsibilities are substantially
         reduced; (3) base compensation is reduced not as part of an across the
         board reduction for all senior officers or executives; (4)
         participation under compensation plans or arrangements generally made
         available to persons at Employee's level of responsibility at Employer
         is denied; (5) a successor fails to assume this Agreement; or (6)
         termination is made without compliance with prescribed procedures.

                  (f) In the event Employee is involuntarily terminated by
         Employer without cause, Employee voluntarily terminates employment for
         Good Reason or the employment

                                       7
<PAGE>   8

         relationship is terminated by death or permanent disability of
         Employee, Employer's obligation to pay the compensation amounts
         provided in this Section 16 shall survive termination of employment.

                  (g) in the event of termination of employment during the
         pendency of a "Potential Change of Control", as hereinafter defined,
         paragraphs (g) and (h) of this Section 16 shall apply as if an actual
         Change of Control had taken place. A "Potential Change of Control"
         shall be deemed to have occurred if: (1) Employer has entered into an
         agreement or letter of intent the consummation of which would result in
         a Change of Control; (2) any person publicly announces an intention to
         take or to consider taking actions that, if consummated, would
         constitute a Change of Control; or (3) the Board of Directors of
         Employer or a committee thereof in its reasonable judgment makes a
         determination that a Potential Change of Control for purposes of this
         Agreement has occurred. A Potential Change of Control remains pending
         for purposes of receiving payments under this Agreement until the
         earlier of the occurrence of a Change of Control or a determination by
         the Board of Directors or a committee thereof (at any time) that a
         Change of Control is no longer reasonably expected to occur.

                  (h) Notwithstanding anything contained in this Agreement to
         the contrary, Employee and Employer, or the person, corporation,
         partnership or other entity acquiring control of Employer pursuant to
         this Section 16, with the concurrence of the Chief Executive Officer
         and Compensation Committee of the Board of Directors of Employer, may
         mutually agree that Employee, with three (3) months' notice, may
         terminate his employment and receive a lump sum payment equal to the
         present value of remaining payments under this Agreement discounted by
         the then current Treasury Bill rate for the remaining term of this
         Agreement

         17. Successors Bound. This Agreement shall be binding upon Employer and
Employee, their respective heirs, executors, administrators or successors in
interest, including without limitation, any corporation, partnership or other
entity acquiring control of Employer pursuant to Section 16 hereof.

         18. Severability and Reformation. The parties hereto intend all
provisions of this Agreement to be enforced to the fullest extent permitted by
law. It however, any provision of this Agreement is held to be illegal, invalid,
or unenforceable under present or future law, such provision shall be fully
severable, and this Agreement shall be construed and enforced as if such
illegal, invalid, or unenforceable provision were never a part hereof, and the
remaining provisions shall remain in full force and effect and shall not be
affected by the illegal, invalid, or unenforceable provision or by its
severance.

         19. Integrated Agreement. This Agreement constitutes the entire
Agreement between the parties hereto with regard to the subject matter hereof,
and there are no agreements, understandings, specific restrictions, warranties
or representations relating to said subject matter between the parties other
than those set forth herein or herein provided for.

         20. Attorneys' Fees. If any action at law or in equity, including any
action for declaratory or injunctive relief, is brought to enforce or interpret
the provisions of this

                                       8
<PAGE>   9

Agreement, the prevailing party shall be entitled to recover reasonable
attorneys' fees from the nonprevailing party, which fees may be set by the court
in the trial of such action, or may be enforced in a separate action brought for
that purpose, and which fees shall be in addition to any other relief which may
be awarded.

         21. Notices. All notices and other communications required or permitted
to be given hereunder shall be in writing and shall be deemed to have been duly
given if delivered personally, mailed by certified mail (return receipt
requested) or sent by overnight delivery service, cable, telegram, facsimile
transmission or telex to the parties at the following addresses or at such other
addresses as shall be specified by the parties by like notice:

               (a) If to Employer:    INSpire Insurance Solutions, Inc.
                                      300 Burnett Street
                                      Fort Worth, Texas 76102-2799
                                      Attention: Jeffrey W. Robinson

               (b) If to Employee:    529 Sorenson Trail
                                      Keller, TX 76248

         Notice so given shall, in the case of notice so given by mail, be
deemed to be given and received on the fourth calendar day after posting, in the
case of notice so given by overnight delivery service, on the date of actual
delivery and, in the case of notice so given by cable, telegram, facsimile
transmission, telex or personal delivery, on the date of actual transmission or,
as the case may be, personal delivery.

         22. Further Actions. Whether or not specifically required under the
terms of this Agreement, each party hereto shall execute and deliver such
documents and take such further actions as shall be necessary in order for such
party to perform all of his or its obligations specified herein or reasonably
implied from the terms hereof.

         23. GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE INTERNAL LAW, AND NOT THE LAW OF CONFLICTS, OF THE STATE OF
TEXAS.

         24. Assignment. This Agreement is personal to Employee and may not be
assigned in any way by Employee without the prior written consent of Employer.
This Agreement shall not be assignable or delegable by Employer, other than to
an affiliate of Employer, except if there is a Change of Control as defined in
Section 16, Employer may assign its rights and obligations hereunder to the
person, corporation, partnership or other entity that has gained such control.

         25. Counterparts. This Agreement may be executed in counterparts, each
of which will take effect as an original and all of which shall evidence one and
the same Agreement.

                                       9
<PAGE>   10

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the Effective Date.

                                     INSpire Insurance Solutions, Inc.

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

                                     EMPLOYEE:

                                     -------------------------------------------
                                     Gordon L. Gaar

                                       10
<PAGE>   11

                                    EXHIBIT A

                              PROHIBITED ACTIVITIES

         Acting in any capacity, either individually or with any corporation,
partnership or other entity, directly or indirectly, in providing, or proposing
to provide, data processing software systems, related automation support
services and information services to the insurance industry, including, but not
limited to, application software, processing, consulting and related services,
in the performance of any of the following types of duties in any part of the
insurance industry:

         1.       The performance of the sales and marketing functions.

         2.       The responsibility for sales revenue generation.

         3.       The responsibility for customer satisfaction.

         4.       The responsibility for research and development of insurance
                  data base products.

         5.       The responsibility for the research and development of
                  information data processing systems and services.

         6.       The providing of input to pricing of products.

         7.       The planning and management of data processing services
                  resources.

         8.       The coordination of the efforts of the various aspects of
                  computer systems services organizations with other functions.

         9.       The planning and management of information services resources.

         10.      The providing and management of an operations staff to support
                  the above listed activities.

<PAGE>   12

                                    EXHIBIT B

                            CONFIDENTIAL INFORMATION

         1. All software/systems (including all present planned and future
software), whether licenses or unlicensed, developed by or on behalf of or
otherwise acquired by INSpire Insurance Solutions, Inc. or any of its
subsidiaries.

         "All software/system" shall mean:

                  o        all code in whatever form

                  o        all data pertaining to the architecture and design of
                           such software systems

                  o        all documentation in whatever form

                  o        all flowcharts

                  o        any reproduction or recreation in whole or in part of
                           any of the above in whatever form.

         2. All business plans and strategies including:

                  o        strategic plans

                  o        product plans

                  o        marketing plans

                  o        financial plans

                  o        operating plans

                  o        resource plans

                  o        all research and development plans including all data
                           produced by such efforts.

         3. Internal policies, procedures, methods and approaches which are
unique to INSpire Insurance Solutions, Inc. and are not public.

         4. Any information relating to the employment job responsibility,
performance, salary and compensation of any present or future officer or
employee of INSpire Insurance Solutions, Inc.

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