Document:

<PAGE>

                                  Exhibit 10.20

                          Consulting Agreement between

                   Jeffrey Berg and thehealthchannel.com, Inc.

                             dated September 1, 1999

<PAGE>

CONSULTING AGREEMENT

     This Agreement is made as of the 1st day of September, 1999 by and between
Jeffrey Berg, (hereinafter "JB") located at 3 Fairhill Road, Edison, N.J. 08817,
92663, and thehealthchannel.com, Inc, (hereinafter "THCL" or "Company") located
at 500 Birch Street, Suite 400, Newport Beach, CA 92660, represented by Tom
Lonergan COO. Collectively JB and THCL shall be referred to as "The Parties".

     WHEREAS, THCL desires various consulting assistance with specific regard to
one of their properties, The Health Channel more specifically with the
representation of the company to various investors and financial institutions
consistent with the Company's goals.

     WHEREAS, THCL wishes to engage the services of JB to coordinate the related
elements and disciplines required to achieve THCL's objectives; and

     WHEREAS, JB is willing to provide such services on the terms and conditions
set forth herein. NOW, THEREFORE, in consideration of the covenants and
agreements herein, and for good and valuable consideration, the receipt of which
is hereby acknowledged, the parties hereby agree as follows:

     1.   Services Provided. JB agrees to provide to THCL the fill professional
          services of its resources and shall work diligently to provide the
          following services:

          a)   Schedule meeting with potential investors and financial
               institutions
          b)   Be present for all meetings including making presentations to
               investor's and/or institutions.
          c)   Be available (upon sufficient notice) for any and all meetings
               scheduled by THCL with any investors and/or institutions

     The services above are to be performed on a best effort basis only and
should not be construed as a promise or guarantee of performance or its outcome.
THCL may cancel this agreement in writing at any time with sufficient cause and
proof of non-performance. If THCL requests any additional services during the
time of this agreement, said additional services will be outlined within a new
agreement or written amendment hereto, to include any additional compensation.
This contract will remain in force in any such case.

     2.   Additional Expenses: THCL agrees to pay for or, to reimburse all
          additional expenses which may be needed for travel, meals, etc, in
          connection with JB's representation of THCL in carrying out its
          services. All such additional expenses must be approved in advance in
          writing.
     3.   Services Not Provided: THCL recognizes and agrees that SB is not
          providing either accounting or legal services and that SB recommends
          that THCL have its own independent legal and/or accounting review of
          all related materials. THCL further recognizes and agrees that JB is
          not providing any due diligence or evaluation activities with regard
          to their operations and the information provided to SB.
     4.   Reports: Meetings: SB agrees to report its activities on behalf of
          THCL on a regular basis. JB may, in consultation with THCL, request
          that THCL meet with various individuals and consultants pursuant to
          the services set forth in paragraph 1 above, and THCL agrees to attend
          such meetings when scheduled in advance.
     5.   THCL's Interest: SB agrees to represent THCL in a professional manner
          at all times, and shall represent THCL's best interest in all dealings
          on behalf of THCL.

     Need for Information/confidentiality: THCL agrees to provide such
information about its operations, finances, principles, officers, associates,
properties and activities as SB may request from time to time, as such
information is necessary for SB to perform the services set forth in paragraph 1
above; provided, however, SB agrees that it will treat as confidential and
proprietary any information deemed by THCL to be confidential and proprietary,
and to protect the best interest of THCL. THCL further agrees that since the
information requested is essential in the fulfillment of SB's obligation to
THCL, any delay in providing the information requested may cause a delay in the
completion of SB's services for THCL. It is mutually agreed that time is of the
essence in the fulfillment of SB's obligation to THCL.

     6.   Fees: THCL agrees to pay the following fees to SB for the services
          provide by JB as set forth in paragraph 1 above, unless additional
          services have been rendered altering this agreement. These fees do not
          include any

<PAGE>

          fees and/or costs, with regard to any other third party needed in
          carrying out the services set forth in paragraph 1 above. SB must
          receive written permission from THCL to incorporate any third party,
          for which these fees would not cover. These fees also do not include
          the costs associated with any printing, mailing, general or express
          delivery services, etc. above $25.00. All costs over $25.00 will be
          regularly to the THCL.

          a)   THCL shall deliver within five days thereafter, a stock
               certificate for shares of THCL's Common Stock totaling 22,000
               shares. The certificate shall be free and clear of any and all
               restrictions or legends of any kind and when issued in accordance
               with the terms hereto will be validly issued and outstanding,
               fully paid and non-assessable and entitled to the rights and
               preferences set forth therein.

     7.   Independent Contractor: Nothing contained in this Agreement shall make
          JB an agent or employee of THCL. Each party shall be deemed an
          independent contractor regarding the other, and neither party shall
          have the power to bind or commit the other without express written
          consent.

     8.   Non-Circumvention/Confidentiality: Should JB introduce THCL to any
          "Sources" be it potential acquisitions, Joint Venture and/or
          partnership candidates, etc., including any of SB's financing sources,
          THCL agrees not to disclose the identity of any of JB's Sources to any
          person not directly associated with this project, and not to
          communicate with those sources for any reason without JB's prior
          written permission. Furthermore, THCL agrees that neither THCL nor its
          employees, agents or consultants will deal with any SB's Sources or
          agents introduced to THCL by JB without using SB as their intermediary
          for a period of 60 (sixty) months from the date of this Agreement. If
          a breach of this provision occurs, THCL shall be held in breech of
          contract and will be liable for any, and all loss of wages and
          damages, including reimbursement to SB for reasonable court costs,
          travel, incidental expenses, and without limitation, attorney's fees
          incurred by JB to enforce any of the provisions of this agreement.

     9.   Arbitration: SB and THCL agree that any disputes arising under this
          Agreement shall be submitted to arbitration pursuant to rules,
          regulations, and laws governing arbitration in the State of
          California, County of Orange, at the time if the dispute, and the
          parties hereto agree to be bound by the decision of any such
          arbitration proceeding.

     11.  Attorney Fees: In the event SB shall refer to an attorney or any
          enforceable entity for collection, THCL agrees to pay all the costs
          and expenses incurred in attempting or effecting collection hereunder
          or enforcement of the terms of this agreement, including reasonable
          court costs, travel, incidental expenses, and without limitation,
          attorney's fees incurred by JB to enforce collection of compensation
          under this agreement of any other of the provisions of this agreement.

     12.  Representations and warranties: THCL hereby makes the following
          representations and warranties to JB:

          a.   Organization good standing and power. THCL is a corporation duly
               incorporated, validly existing and in good-standing under the
               laws of the State of Delaware, registered in good standing to
               conduct business in the State of California and has the requisite
               corporate power to own, lease and operate it properties and
               assets and to conduct its business as it is now being conducted.

          b.   Authorization; Enforcement. THCL has the requisite corporate
               power and authority to enter into and perform under this
               agreement and the terms hereof. The execution, delivery and
               performance of this agreement by THCL and the consummation by it
               of the transactions contemplated hereby have been duly and
               validly authorized by all necessary corporate action, and no
               further consent or authorization of THCL, or its Board of
               Directors or stockholders is required. This agreement has been
               duly delivered and when executed by THCL shall constitute a valid
               and binding obligation of THCL, and enforceable against them
               including all THCL's subsidiary's and affiliate companies in
               accordance with its terms.

          c.   Issuance of Common Stock. The Common Stock to be issued in
               accordance with the compensation section herein have been duly
               authorized by all necessary corporate action and, when paid for
               or issued in accordance with the terms hereof; will be validly
               issued and outstanding, fully paid and non-assessable and
               entitled to the rights and preferences set forth therein.

     13.  Indemnification: Within the limits of law, the parties hereto agree to
          indemnify and hold harmless each other including any affiliate
          companies, and their respective principles, officers, directors,
          controlling persons and employees and any persons retained in
          connection with services it performed under this agreement (whether or
          not consummated) from and against all claims, damages, losses,
          liabilities and expenses as they are incurred (including any legal or
          other expenses incurred in connection with investigating or defending
          against any such loss, claim, damage or liability or any action in
          respect thereof) to the extent they are casually related to
          information provided in writing one party to the other and casually
          related to or arising out of activities there under. Notwithstanding
          the forgoing, neither party shall be liable for indemnity under this
          Agreement in

<PAGE>

          respect to any loss, claim, damage, liability or expense primarily
          resulted from the other party's willful illegal acts, misconduct or
          gross negligence in performing its obligations under this Agreement.
          This provision shall survive any termination of this Agreement as well
          as the consummation or abandonment of any of the services rendered.

     14.  Governing Law: This Agreement, its validity, meaning and effect, shall
          be determined in accordance with the laws of the State of California,
          County of Orange applicable to contracts made and to be performed in
          that state.

     15.  Entire Agreement: This Agreement is an entire agreement between the
          parties, and supersedes any and all prior agreements, written or oral.
          No changes shall be made in this agreement, except in writing duly
          executed by the parities hereto.

     16.  Facsimile: In the event that this Agreement is forwarded via
          electronic facsimile reproduction ("fax machine"), the respective
          parties agree to find the Agreement acceptable upon receipt with the
          authorized, respective signature(s).

     IN WITNESS WHEREOF, persons with power and authority to commit the parties
hereto, have signed this Agreement to be effective as of the date first above
written:

                                            AGREED & ACCEPTED

Jeffrey Berg
3 Fairhill Road
Edison, NJ 08817
   /s/      Jeffrey Berg
------------------------
Date:   September 1, 1999

"THCL"
thehealthchannel.com, Inc
5000 Birch Street
Suite 4000
Newport Beach, CA 92660
   /s/   Tom Lonergan, C.O.O.
-----------------------------
Date:  September 1, 1999<PAGE>

                                  EXHIBIT 10.21

                  WEBSITE AND REVENUE SHARING AGREEMENT BETWEEN

        THE INSTITUTE FOR MEDICAL STUDIES, INC. AND THEHEALTHCHANNEL.COM

                              DATED JUNE 29, 19999

<PAGE>

                 WEBSITE SERVICES AND REVENUE SHARING AGREEMENT

This Agreement, dated as of September 29, 1999 (the "Effective Date") is made by
and between The Institute for Medical Studies, Inc., a California corporation
having its principal place of business at 30100 Town Center Drive, Suite 0-PMB
#193, Laguna Niguel, CA 92677 ("IMS") and The Health Channel.Com, Inc., a
Delaware corporation having its principal place of business at 5000 Birch
Street, Suite 4000, Newport Beach, CA 92660 ("THCL").

In consideration of their mutual promises and covenants contained in this
Agreement, the parties agree as follows:

1.   Website Services Agreement

     A)   IMS agrees to maintain in its website (the "CME Supersite" which, by
          way of reference, currently resides on the World Wide Web at
          www.imscme.com) a prominent reference and link to THCL's health care
          portal website (located at www.thehealthchannel.com). The language and
          other aspects of such reference and link shall be mutually agreed upon
          by the parties.

     B)   Unless consented to in writing by THCL, IMS agrees that it will have
          no agreement with any other health care portal website (other than the
          health care portal website of THCL), providing for referrals to or
          from the IMS website.

     C)   IMS' name, logo, and link shall appear prominently in THCL's
          "professional" home page and Professional Education Page; the language
          and other aspects of such reference and link shall be mutually agreed
          upon by the parties. IMS shall be the only CME provider and CME portal
          website so named and featured in the THCL health care portal
          website(s), unless otherwise agreed to in writing by IMS.

2.   IMS Website Maintenance

     IMS will maintain its CME website on servers maintained by IMS at its
     expense (or that of IMS' clients); an exception to this will be the costs
     related to any technical revision of the IMS site that may be necessary in
     order for it to interface with the THCL site, said costs to be borne by
     THCL. IMS shall use its best efforts to ensure reasonably high quality of
     the IMS CME website, said quality to be determined by IMS. If major design
     changes to the IMS website are desired by THCL, THCL will cover the costs
     of said changes.

                                     Initials: /s/ RB     IMS    /s/  TL    THCL
                                              ----------------------------------

<PAGE>

IMS/THCL Agreement - Page 2 of 7

3.   THCL Portrayal of Relationship with IMS and related IMS Services Contracted

     A)   IMS authorizes THCL to use IMS' name (in a manner to be approved by
          IMS) to approach pharmaceutical (and other) CME supporters/sponsors to
          solicit funding for development of web-based CME/CE and/or patient
          education. Additionally, IMS will encourage other CME/CE providers
          and/or developers to enter into similar arrangements with THCL under
          which THCL will solicit funding for the development of web-based
          CME/CE and/or patient education on behalf of those organizations. Any
          and all funding from CME/CE supporters/sponsors or developers will be
          received in a manner that is consistent with ACCME/FDA standards and
          guidelines for commercially supported CME, as interpreted by IMS
          and/or the ACCME. IMS will, in accordance with ACCME/FDA standards,
          have the right to review and approve of any such materials prior to
          their placement on any IMS website.

     B)   IMS authorizes THCL to approach IMS' CME program faculty (in a manner
          to be approved by IMS) using IMS as a reference regarding potential
          affiliation with a "Health Channel Medical Advisory Board," and/or for
          other related projects as may be from time to time determined by the
          mutual consent of IMS and THCL.

4.   Revenue Sharing And Services Agreement

     A)   THCL will use its best efforts to approach pharmaceutical and other
          CME/CE supporters to solicit funding for web based CME/CE and/or
          patient education, as referenced in Section 3.A (above).

     B)   To assist THCL in its solicitation effort, IMS will provide THCL with
          a database or directory of potential funding sources (pharmaceutical
          companies and medical communications companies) and with suggestions
          on how to best approach those funding sources. Additionally, IMS will
          send an announcement to its medical communications company database,
          in order to familiarize them with THCL.

     C)   If, during the term of this Agreement, any contract is entered into by
          THCL with any pharmaceutical company or other CME supporter/sponsor,
          provider or developer for the development of web-based CME/CE or
          web-based patient education, then IMS shall receive from THCL 10%
          (before deductions for any related expenses) of any payments THCL
          received from such supporters, sponsors, providers or developers In
          the case where IMS is the accredited provider of said CME, IMS shall
          be responsible for overseeing and approving the quality, format and
          content of the CME programs and THCL and/or its agents shall be
          responsible for all educational and technical program development
          costs, sales/marketing costs, and any other program expenses; in those
          cases where IMS is the accredited provider, IMS will receive, in
          addition to the abovementioned 10%, its fee for accreditation services
          which is 10% of the overall budget for the educational program unless
          the Parties mutually agree to a different percentage.

                                   Initials: /s/ RB     IMS    /s/  TL    THCL
                                            ----------------------------------

<PAGE>

IMS/THCL Agreement - page 3 of 7

5.   IMS Warrant to Purchase THCL Shares

     A)   As evidenced by the attached Warrant Agreement (attached "Exhibit A"),
          IMS is receiving for its services performed under this agreement, a
          non-transferable option to purchase up to 1,200,000 shares of THCL
          common stock at an exercise price of $0.10 per share.

6.   Information

     A)   Each party agrees to use reasonable efforts to keep secret and in
          confidence all confidential documentation and information (such as
          customer or client lists and data) furnished to it by the other party
          under or in connection with this Agreement. Each party shall use
          reasonable efforts to cause all of its officers, employees,
          contractors, affiliates and agents to maintain such documentation and
          information secret and confidential. The obligations of the parties
          under this paragraph shall not apply to any disclosures of
          confidential information required by court order or applicable laws,
          or to any such documentation or information which, through no breach
          on the part of the disclosing party, has become generally known or
          available to the public, has been furnished to the disclosing party by
          a third party as a matter of right and without restriction on
          disclosure, or has been developed independently by the disclosing
          party.

     B)   Each party will provide to the other party on a quarterly basis
          written reports setting forth in reasonable detail all revenues,
          expenses and other cash flows relating to this Agreement.

7.   Term and Termination

     A)   Unless earlier terminated pursuant to this section, this Agreement
          will expire on the third anniversary of the date of this Agreement.

     B)   If either party shall default in the payment of any amount owed to the
          other party under Section 4 or shall become bankrupt or insolvent,
          such other party may, at its option, terminate this Agreement by
          delivery of a written notice of such termination to the defaulting,
          bankrupt or insolvent party.

     C)   If either party shall otherwise commit any material breach of its
          obligations under this Agreement, and shall fail to remedy such breach
          within sixty (60) days after written notice of such breach and of the
          other party's intent to terminate this Agreement under this item is
          given to it by the other party, the other party may, at its option,
          terminate this Agreement by delivery of written notice of such
          termination to the defaulting party.

     D)   Following the expiration or termination of this Agreement under this
          Section 7, each party's obligations with respect to previously
          produced products and projects, or arising out of any prior failure to
          pay an amount owed when due or other breach by the other party, shall
          continue in effect.

     E)   At IMS' option, if at any time during the term of this Agreement, the
          market price of THCL stock (adjusted for any intervening stock splits,
          reverse stock splits, or stock dividends) is priced at less than $0.40
          per share for five (5) consecutive business days, then paragraphs 1A,
          1B and 1C shall no longer be applicable to this Agreement.

                                    Initials: /s/ RB     IMS    /s/  TL    THCL
                                             ----------------------------------

<PAGE>

IMS/THCL Agreement - page 4 of 7

8.   Miscellaneous

     A)   Entire Agreement. This Agreement contains the entire agreement between
          the parties, and supersedes all prior agreements, representations and
          under-standings of the parties, relating to the subject matter of this
          Agreement.

     B)   Further Actions. Each party agrees that after the delivery of this
          Agreement it will execute and deliver such further documents and do
          such further acts and things as the other party may reasonably request
          in order to carry out the terms of this Agreement.

     C)   Amendments. No supplement or amendment of this Agreement will be
          binding unless executed in writing by both the parties.

     D)   Waivers. Any term or provision of this Agreement may be waived at any
          time by the party entitled to its benefit by a written instrument
          executed by a duly authorized officer of the party. No waiver
          of any of the provisions of this Agreement will be deemed, or
          will constitute, a waiver of any other provision, whether or not
          similar, nor will any waiver constitute a continuing waiver. The
          failure of any party to enforce at any time any provision of this
          Agreement, or any right with respect thereto, or to exercise any
          election herein provided, shall in no way be considered to be a waiver
          of such provision, right or election, or to in any way affect the
          validity of this Agreement. The exercise by any party of any right or
          election under the terms or convenants herein shall not preclude or
          prejudice any party from exercising the same or any other right it may
          have under this Agreement, irrespective of any previous action or
          proceeding taken by the parties hereunder.

     E)   Successors, Assigns and Sublicenses. This Agreement will be binding
          on, and will inure to the benefit of, the parties and their respective
          successors and assigns. Neither side may assign its rights or
          obligations under this Agreement, except its rights to receive
          payments from the other party, without the other party's written
          consent. Provided that THCL shall continue to be bound by its payment
          and other obligations under this Agreement and any such sublicensee
          shall comply with applicable ACCME requirements, THCL shall be
          entitled to a sublicense its rights under Sections 3A, 3B, and 4A to
          third parties and to use independent contractors in the production and
          marketing of the CME/CE programs.

     F)   Attorney's Fees. If any arbitration, legal action or other proceeding
          is brought in connection with any of the provisions of this Agreement,
          the successful or prevailing party will be entitled to recover
          reasonable attorney's fees and other costs incurred in that
          arbitration, action or proceeding, in addition to any other relief to
          which that party may be entitled.

                                      Initials: /s/ RB     IMS    /s/  TL   THCL
                                               ---------------------------------

<PAGE>

IMS/THCL Agreement - page 5 of 7

     G)   Governing Law. All questions with respect to the construction of this
          Agreement, and the rights and liabilities of the parties under this
          Agreement, will be governed by the laws of the State of California,
          excluding conflicts of laws provisions.

     H)   Counterparts. This Agreement may be executed in one or more
          counterparts, each of which will be deemed a valid, original
          agreement, but all of which together will constitute one and the same
          instrument.

     I)   Severance. If any provision of this Agreement or its application to
          any person or circumstances is held to be unenforceable or invalid by
          any court of competent jurisdiction, its other applications and the
          remaining provisions of this Agreement shall be enforced so as to best
          effect the intentions of the parties in entering into this Agreement.

     J)   Captions. The section headings contained in this Agreement are for
          reference purposes only and shall not in any way affect the meaning or
          interpretation of this Agreement. The references to sections refer to
          corresponding sections of this Agreement unless otherwise specified.

     K)   Notices. Any notice or other communication to either party pursuant to
          this Agreement shall be deemed to have been duly given and received on
          the date of actual delivery in writing, addressed to the President (or
          other officer otherwise designated below for such purpose) of the
          party, at its address set forth below.

           If to IMS:               The Institute for Medical Studies, Inc.
     ----------------------------------------------------------------------
                                    30100 Town Center Drive
     ------------------------------------------------------
                                    Suite 0-PMB #193
     -----------------------------------------------
                                    Laguna Niguel, CA 92677-2064
     -----------------------------------------------------------

           If to THCL:              The Health Channel.Com, Inc.
     -----------------------------------------------------------
                                    5000 Birch Street
     ------------------------------------------------
                                    Suite 4000
     -----------------------------------------
                                    Newport Beach, CA 92660
     ------------------------------------------------------

           Either party may change its address for purposes of this paragraph by
           giving the other party written notice of the new address in the
           manner set forth above.

     L)   Drafting. This Agreement has been negotiated at arm's length and
          between persons sophisticated and knowledgeable in the matters dealt
          with and represented by their own counsel. Accordingly, any rule of
          law (including California Code of Civil Procedure Section 1654) or
          legal decision that would require interpretation against the drafter
          of this Agreement is not applicable and is waived.

                                   Initials: /s/ RB     IMS    /s/  TL     THCL
                                            -----------------------------------

<PAGE>

IMS/THCL Agreement - page 6 of 7

     M)   Relationship of Parties. The relationships established between IMS and
          THCL by this Agreement are that of independent contractors, and
          nothing contained herein shall be deemed to establish or otherwise
          create a relationship of principal and agent or a partnership between
          them. Until and unless otherwise specifically agreed, neither party
          nor any of its agents or other distributors shall have any right or
          authority to assume or create any obligations of any kind, whether
          express or implied, on behalf of the other party.

     N)   Definitions. For purposes of this Agreement, the following terms are
          defined:

          1)   Health Care Portal Website: A website containing general and
               specific health care information that is targeted primarily
               towards a consumer audience, but may also be (somewhat) targeted
               to a professional audience. A website that is targeted primarily
               to health care professionals' CME needs shall not be considered a
               health care portal website; neither shall a website that is
               primarily devoted to one or more closely related disease entities
               (e.g. a "Heart Disease" website).

          2)   CME: "CME" refers to "Continuing Medical Education," for
               physicians and also to "CE" or "Continuing Education" for other
               health care professionals such as nurses, pharmacists, etc.

          3)   CME Provider: A CME provider or developer refers to either an
               accredited or non-accredited developer, overseer, planner, and/or
               other implementor of CME programs or activities.

          4)   CME Supporter/Sponsor: Refers to any entity (pharmaceutical
               company, medical device company, or other) that provides
               financial support for CME/ CE programming.

          5)   ACCME: Accreditation Council for Continuing Medical Education.

          6)   FDA: Food and Drug Administration.

          7)   Patient Education: Originally developed (copyrightable)
               educational programming or materials, targeted towards a patient
               or health care consumer audience.

          8.   Educational Initiative: An overall program directed towards
               educating physicians or other audiences about drug use or disease
               management. Initiatives may include activities such as advisory
               boards, faculty development, related CME/CE programming and
               patient education.

                                      Initials: /s/ RB     IMS    /s/  TL   THCL
                                               ---------------------------------

<PAGE>

IMS/THCL Agreement - Page 7 of 7

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their duly authorized representatives as of the Effective Date.

On Behalf of                                          On Behalf of

The Institute for Medical Studies, Inc.      The Health Channel.Com, Inc.

       /s/ Robert B. Ludovise                    /s/  Thomas Lonergan
-----------------------------           -----------------------------
Robert B. Ludovise                      Thomas Lonergan
Its President                           Its Chief Operating Officer, Secretary
                                        and Chief Financial Officer

       9/29/99                                   9/29/99
Date                                    Date

Signed at:                              Signed at:

       Irvine              , California            Irvine           , California

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