Document:

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                                                                    Exhibit 10.2

                               SECOND AMENDMENT TO
                          PREFERRED PROVIDER AGREEMENT

         This Second Amendment to Preferred Provider Agreement (the "Second
Amendment") is made as of the 11th day of September, 2000 by and between
National Century Financial Enterprises, Inc., an Ohio corporation (hereinafter
referred to as "NCFE") and E-Medsoft.com, a Nevada corporation (hereinafter
referred to as "E-MED").

                                   WITNESSETH

         WHEREAS, NCFE and E-MED have heretofore entered into that certain
Preferred Provider Agreement dated as of February 2, 2000 (the "Original
Agreement") and that certain Letter Agreement clarifying and modifying the
Original Agreement dated as of February 2, 2000 (the "First Amendment" and
together with the Original Agreement the "Agreement").

         WHEREAS, NCFE and E-MED desire to further amend and clarify certain
provisions of the Agreement by way of this Second Amendment.

         NOW THEREFORE, in consideration of the premises and mutual obligations
set forth herein, and other good and valuable consideration, it is covenanted
and agreed for the proportionate benefit of all parties hereto as follows:

         SECTION 1. AMENDMENT. The Agreement shall be amended as follows:

                  a.       Section 1.1 shall be deleted in its entirety and
                           amended as follows:

                           SECTION 1.1 SERVICES. E-MED agrees to provide the
                  products and consulting services described in (a) the
                  "Statement of Work," attached hereto as Exhibit 1A, (b) the
                  "Business Plan" dated October 15, 1999 attached hereto as
                  Exhibit 1B, which may be mutually amended and supplemented by
                  the parties from time to time, and (c) each "Scope of Work" in
                  form and substance as agreed to by NCFE and E-MED in each
                  instance consistent with the "Statement of Work" and "Business
                  Plan," attached hereto as Exhibit 2. The parties hereto agree
                  that they may in the future mutually agree to modify or amend
                  the Statement of Work, any Scope of Work and/or the Business
                  Plan and any such modifications and amendments shall be in
                  writing, executed by NCFE and E-MED, and shall be attached to
                  this Agreement for future reference. The descriptions in the
                  Statement of Work and in the Business Plan are intended by the
                  parties to be read in the broadest possible sense such that --
                  except as otherwise limited by this Agreement -- E-MED shall
                  have the right and then the obligation to provide services and
                  software solutions with respect to all internet electronic
                  commerce software needs of NCFE and NCFE shall have the
                  ownership, licensure and other rights as more fully set forth
                  herein. The parties hereto agree that all projects hereunder
                  shall be set forth in writing between the parties in the form
                  of a Scope of Work to be mutually agreed upon in order to
                  permit the parties to have a standard by which to judge the
                  performance of E-MED hereunder (e.g., under subparagraph 1.3).

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                  b.       Section 1.2 shall be deleted in its entirety and
                           amended as follows:

                           SECTION 1.2 CONDUCT OF SERVICES. All work shall be
                  performed in a workmanlike and professional manner in
                  accordance with the terms and conditions of this Agreement.
                  NCFE agrees to provide E-MED access to all hardware and
                  facilities reasonably necessary to enable E-MED to provide its
                  products and services identified herein to NCFE in accordance
                  with general industry standards.

                  c.       Section 1.4 shall be deleted in its entirety and
                           amended as follows:

                           SECTION 1.4 EXTRAORDINARY CASE WHERE NCFE MAY UTILIZE
                  ALTERNATIVE SERVICES. Notwithstanding any provision of this
                  Agreement to the contrary, NCFE may utilize the services of an
                  alternative vendor or supplier in each case (if any) wherein
                  all parties hereto mutually agree that a particular product,
                  project or Scope of Work is outside the Statement of Work. In
                  such instances, E-MED may make a proposal to do such product,
                  project or Scope of Work if E-MED, within ten (10) business
                  days of receipt of a written notice from NCFE, submits to NCFE
                  a pricing quote which is not greater than 110% of the average
                  quoted pricing of two (2) legitimate and capable third-party
                  vendors with respect to such product, project or Scope of
                  Work, provided that no vendor shall be deemed legitimate or
                  capable unless and until it is established that such vendor
                  has been in business for at least one (1) year and has annual
                  revenues at least as large as those of E-MED. Nothing in this
                  Section 1.4 shall permit NCFE to terminate this entire
                  Agreement. Neither E-MED nor NCFE may exercise any remedy
                  other than those set forth in Section 3 of this Agreement or
                  file any litigation in any court in the world against the
                  other for any alleged or anticipatory breach of this Agreement
                  unless such litigation is filed after July 25, 2002.

                  d.       Section 1.5 shall be deleted in its entirety and
                           amended as follows:

                           SECTION 1.5 CUSTOM DELIVERABLES. E-MED and NCFE both
                  acknowledge and understand that by design this Agreement and
                  any Exhibits appended hereto have been drafted with the
                  anticipation and expectation that E-MED will be providing some
                  services and resultant work product to NCFE that shall be
                  considered Custom Deliverables. Such Custom Deliverables shall
                  be defined as follows: "Software and/or intellectual property
                  (including, but not limited to all codes, artwork, screens,
                  data and the like) developed by E-MED for NCFE specifically
                  pursuant to this Agreement that were neither developed nor
                  owned by E-MED prior to entering into this Agreement." Such
                  Custom Deliverables shall be considered a "work made for
                  hire." Provided that NCFE pays E-MED the required amounts for
                  such Custom Deliverables as set forth in the applicable Scope
                  of Work, NCFE shall have full and complete control and
                  authority over and with respect to the development of all
                  functional and/or artistic design matters related to such
                  Custom Deliverables and each Scope of Work on a
                  project-by-project basis. Such Custom Deliverables, and any
                  copyrights or intellectual property interest in such Custom
                  Deliverables, upon NCFE's payment of any and all amounts then
                  due and owing to E-MED in consideration of the

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                  development of a particular Custom Deliverable, shall be the
                  sole and exclusive property of NCFE. In consideration for
                  E-MED's services, NCFE shall be required to grant E-MED for
                  the duration of the term of this Agreement, a worldwide,
                  non-exclusive, royalty free, license to possess, copy, and
                  display any and all of the Custom Deliverables E-MED's
                  performance of services for third parties, provided that in
                  doing so E-MED does not disclose, utilize or include any of
                  NCFE's confidential information. E-MED shall not lease, sell,
                  transform, modify, disclose, transfer, distribute, assign or
                  sub-license any Custom Deliverable or any copyright or
                  intellectual property interest in the Custom Deliverables or
                  derivative thereof to any third party absent the prior express
                  written consent of NCFE.

                           Notwithstanding the aforementioned, E-MED shall not
                  under any circumstance, disclose or utilize all or a portion
                  of any Custom Deliverable or any copyright or intellectual
                  property interest in such Custom Deliverable in its
                  performance of services (including the sale or licensing of
                  software or software solution, consulting and the like) for
                  any third party which is or intends to be a competitor of
                  NCFE. Further, in the event of a "Change of Control" the
                  above-referenced license shall be terminated and any continued
                  use of such Custom Deliverables shall be subject to NCFE's
                  expressed written consent on a case-by-case basis. For the
                  purposes of this Agreement, a "Change of Control" shall be
                  defined as an event whereby a person who, as of the date of
                  this Agreement, owns 10% or less of the issued and outstanding
                  capital stock of E-MED through one or a series of
                  transactions, purchases, acquires, owns or otherwise controls,
                  directly or indirectly, greater than 10% of E-MED's issued and
                  outstanding capital stock and has or acquires the right to
                  appoint or control, directly or indirectly, one or more
                  members of E-MED's Board of Directors.

                  e.       Section 1.6(a) shall be deleted in its entirety and
                           amended as follows:

                           (a) In consideration for NCFE entering into this
                  Agreement, E-MED shall issue to NCFE or its designee(s) or
                  nominee(s) Nine Million Five Hundred Thousand (9,500,000)
                  shares of the common stock of E-MED, and shall immediately
                  register such shares pursuant to a registration statement
                  filed with the Securities and Exchange Commission so that all
                  of the shares are unrestricted and free trading in accordance
                  with applicable law and all industry standards for the
                  securities industry in the United States and E-MED shall have
                  the same obligations to NCFE with respect to the registration
                  of such shares as E-MED currently has to Donald H. Ayers and
                  Trammel Investors, LLC pursuant to Sections 3, 5, 6, 7 and 8
                  of the Registration Rights Agreement by and among E-MED,
                  Donald H. Ayers and Trammel investors, LLC, dated its of March
                  18, 1999.

                           The parties hereto stipulate that all of such shares
                  have been registered with the Securities and Exchange
                  Commission Pursuant to a registration statement declared
                  affective on or about August 1, 2000. E-MED agrees that the
                  only lawyer for E-MED authorized to interact with NCFE
                  regarding the shares is Jon Sawyer of the Colorado Krys Boyle
                  law firm ("Krys Firm"), or any other agent of

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                  that firm, and E-MED agrees, warrants and represents that it
                  will not allow any other representatives to interact with NCFE
                  (or anybody else) appertaining or with respect to the NCFE
                  shares. Absent the express written consent of NCFE, no other
                  person besides a lawyer for the Krys firm is entitled to
                  handle issues appertaining or relating to the NCFE shares.

                  f.       Section 1.6(c) shall be deleted in its entirety and
                           amended as follows:

                           (c) In consideration of E-MED adhering to Section
                  1.6(a), NCFE or one or more of it's affiliates shall

                                    1.       arrange for $1,000,000 of
                                             additional equity financing (which
                                             is part of the consideration given
                                             by NCFE in exchange for the shares
                                             referenced to Section 1.6(a)
                                             above), to be accomplished by
                                             September 1, 2000; meaning that
                                             E-MED must actually and in fact
                                             receive the $1,000,000 within
                                             thirty (30) business days of the
                                             execution of the Second Amendment
                                             to Preferred Provider Agreement and
                                             E-MED having executed all Mutually
                                             agreed upon documentation and
                                             agreements necessary to facilitate
                                             NCFE's receipt of the shares set
                                             forth in paragraph 1.6(a) as
                                             amended above; and

                                    2.       arrange for $4,000,000 of debt
                                             financing such that E-MED may draw
                                             upon such financing commencing
                                             within sixty (60) business days of
                                             execution of the Second Amendment
                                             to Preferred Provider Agreement and
                                             E-MED having fully and completely
                                             complied with paragraph 1.6(a)
                                             above; but with the understanding
                                             that such debt will be retired and
                                             effectively converted into equity
                                             without any additional shares being
                                             issued to NCFE to the extent NCFE
                                             is able to sell $4,000,000 worth of
                                             its E-MED stock at a price per
                                             share in excess of $9.50 per share
                                             on or prior to September 1, 2003.
                                             Until that time, the debt will not
                                             accrue interest and will be carried
                                             as long term debt on the books of
                                             NCFE and E-MED.

                  g.       Section 1.6(e) shall be deleted in its entirety and
                           amended as follows:

                           (e) Pursuant to the terms of this Agreement and for
                  the duration of this Agreement, NCFE and E-MED agree to
                  establish a proprietary "Master Portal" wherein all of NCFE's
                  and E-MED's electronic commerce based products and services
                  shall be able to be marketed and sold to all of NCFE's and
                  E-MED's participating customers in a manner mutually agreeable
                  and acceptable both to NCFE and E-MED. NCFE shall not be
                  entitled to charge development costs to the Master Portal
                  project and all development costs incurred by NCFE shall be
                  borne, exclusively, by NCFE on an internal basis. All
                  development costs directly related to the Master Portal
                  incurred by E-MED for soft costs/human resource cost shall be
                  charged to the project at 140% of actual out of pocket costs
                  and all

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                  hardware and hard costs shall be charged to the project at
                  110% of actual out-of-pocket costs. With respect to hardware
                  and software costs directly related to the development or
                  maintenance of the Master Portal, NCFE may purchase such items
                  from the lowest bidder only in accordance with Section 1.4.
                  Subsequent to the development phase which was concluded on
                  July 27, 2000, all costs related to the maintenance and
                  operation of the Master Portal shall be paid 50/50 by NCFE and
                  E-MED subject to the same markup limitation sat forth in this
                  Section 1.6(e). Both NCFE and E-MED understand and agree that
                  maintenance costs shall be nominal and any costs in excess of
                  nominal amounts will only be reimbursed or paid upon mutual
                  agreement of both NCFE and E-MED. All costs charged to the
                  project for either development or maintenance shall be
                  supported by an invoice and in the case of labor, costs shall
                  be supported by a detailed summary identifying the persons
                  involved, the time expended and actual costs. The Master
                  Portal shall function in such a way as to require it to be the
                  "ultimate destination" portal that a potential NCFE or E-MED
                  customer will enter into prior to doing business
                  electronically either with NCFE or E-MED as anticipated under
                  the terms of this Agreement.

                           For the duration of this Agreement and any extension
                  hereof, E-MED shall be entitled to receive a "per click"
                  payment for each entry to the NCFE website through the Master
                  Portal by a potential customer. No "per click" payment shall
                  apply to any customer activity within NCFE's website or with
                  respect to any then current NCFE customer who utilize the
                  Master Portal for the exchange of proprietary data as between
                  NCFE and its customer. Such click fee will be monitored by an
                  internet activities monitoring service acceptable to NCFE and
                  E-MED and payable each month in the arrears. During the first
                  year of the contract, such minimum payments will be $15,000
                  per month (prorated for any period less than one year) or 5
                  cents per click whichever is greater so long as E-MED
                  continues to maintain the Master Portal and all functional
                  aspects thereof in an appropriate manner. During the second
                  year of this contract, so long as the Master Portal and all
                  functional aspects thereof is provided and maintained by E-MED
                  in an appropriate manner, the minimum charge will be $20,000
                  per month or 5 cents per click whichever is greater, so long
                  as E-MED continues to maintain the Master Portal and all
                  functional aspects thereof in an appropriate manner. In the
                  third year and every successive year of this Agreement, the
                  charge will be $25,000 per month minimum or 5 cents per click
                  whichever is greater, so long as E-MED continues to maintain
                  the Master Portal and all functional aspects thereof in an
                  appropriate manner. In addition to the above consideration, to
                  the extent that NCFE obtains new clients as a result of the
                  Master Portal application process, whether that new client
                  comes from the E-MED client base or a new client base that
                  comes to NCFE as a result of the Master Portal, E-MED will be
                  entitled to a fee commencing when such client commits to a
                  funding apparatus offered NCFE. Such funding apparatus
                  includes, medical accounts receivable funding, self-pay
                  receivable fundings, leases, loans, and bridge financing as
                  well as advisory services in mergers and acquisitions.

                           In relation to the ownership of the Master Portal,
                  E-MED and NCFE shall be joint owners of the Master Portal and
                  all related capabilities and technology,

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                  jointly and equally responsible for the development and
                  maintenance of the Master Portal during the term of this
                  Agreement. Subsequent to the Termination of this Agreement,
                  each of NCFE and E-MED shall cooperate to the extent necessary
                  to maintain and administer the operation, accessibility and
                  functionality of the Master Portal in relation to access and
                  usage by their respective current and future customers. In the
                  event either NCFE or E-MED abandons their interest in the
                  Master Portal affirmatively or by failure to cooperate and
                  maintain the Master Portal as described above, the abandoning
                  party's interest in the Master Portal and all related
                  capabilities and technology shall automatically transfer to
                  the non-abandoning party, provided, however, that all
                  notification provisions hereof shall be strictly complied with
                  meaning that the party claiming an abandonment by the other
                  shall have provided written notification and a thirty (30) day
                  opportunity to cure shall have been and shall have lapsed.

                  h.       Section 1.6 shall be amended by adding subsection (h)
                           thereto as follows:

                           (h) In each instance wherein (i) E-MED expends human
                  resources in the performance of its obligations hereunder and
                  (ii) E-MED is entitled to reimbursement hereunder from NCFE,
                  the cost of such resources shall be billed to NCFE at a rate
                  equal to not more than actual out-of-pocket costs plus 40%. In
                  no event shall E-MED be entitled to reimbursements from NCFE
                  for any costs or expenses incurred by E-MED for projects or
                  work other than those incurred or undertaken at the direction
                  of NCFE or directly in furtherance of the Statement of Work
                  and Scope of Work.

                  i.       Section 2.1 shall be deleted in its entirety and
                           amended as follows:

                           SECTION 2.1 TERM. The term of this Agreement shall
                  commence on the date set forth above and shall (absent earlier
                  termination as provided hereunder) be for an Initial Term of
                  twenty-one (21) years ("Initial Term"). Following the
                  expiration of the Initial Term, this Agreement may be extended
                  by mutual agreement of the parties for one (1) successive
                  Extended Term. The Extended Term shall be for a period of Five
                  (5) years. Therefore, including the Initial Term, upon
                  exercise of the Extended Term, this Agreement could remain
                  effective for a cumulative term of twenty-six (26) years.

                  j.       Section 2.2 shall be deleted in its entirety and
                           amended as follows:

                           SECTION 2.2 EVENTS OF DEFAULT. The following events
                  shall constitute a "Default":

                                    (a)      NCFE fails to pay any amounts when
                                             due and does not pay such amounts
                                             within forty-five (45) days of
                                             receipt of written notice of such
                                             payment failure;

                                    (b)     Either NCFE or E-MED has failed to
                                            comply with any obligation set forth
                                            herein (other than a payment default
                                            under subsection (a)), the
                                            non-defaulting party has exhausted
                                            any specific contractual rights and
                                            remedies set forth herein, and the
                                            lack of compliance of the defaulting

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                                            party remains uncured for a period
                                            of thirty (30) days after notice of
                                            such breach is sent by the
                                            non-defaulting party to the party
                                            alleged to be in Default, in
                                            accordance with Section 2.3. The
                                            cure period may be extended, if both
                                            parties agree to such extension in
                                            writing.

                  k.       Section 6.2 shall be deleted in its entirety and
                           amended as follows:

                           SECTION 6.2 PROHIBITION AGAINST COMPETITIVE SERVICES
                  AND PRODUCTS. Subject to any express limitations set out in
                  this Section, NCFE and E-MED agree that during the term of
                  this Agreement neither party shall, without the prior written
                  consent of the other, compete, provide services to third
                  parties which enable such third parties to compete, or
                  participate in competition, either directly, indirectly, with,
                  or against the other party in relation to either party's
                  current business operations, whether alone, as a partner, or
                  as an officer, director, employee, consultant, or holder of
                  more than five percent (5%) of the capital stock of any other
                  corporation. In regards to NCFE competing with E-MED, such
                  prohibition against participation in competition shall be
                  limited to all of the services and products to be provided
                  under the terms of this Agreement by E-MED. Subject to the
                  conditions set forth in Section 1.4 hereof and this Section
                  6.2, nothing herein shall permit NCFE to compete against E-MED
                  during the term hereof in a manner in which NCFE uses -- in
                  any way shape or form -- the services or products of any
                  company other than E-MED with respect to the projects and work
                  set out in the Statement of Work and the Business Plan.

                           While NCFE has no obligation to continue to use the
                  services of E-MED after the termination of this Agreement.
                  NCFE agrees that, subsequent to the termination of this
                  Agreement, it will give E-MED the first opportunity to
                  continue to provide services set forth in the Statement of
                  Work. NCFE also agrees that it shall not utilize the services
                  or products (excluding hardware) of any provider engaged in
                  the business of providing technological solutions of the kind
                  set out in the Statement of Work or of any technological or
                  service solutions similar or related thereto, other than and
                  with the sole exception of NCFE's utilization hereunder of
                  E-MED's services and products; provided, however, that NCFE
                  may at all times use such competitive products in accordance
                  with Section 1.4 of this Agreement or if E-MED has shown
                  inability to provide the solutions set out in the Statement of
                  Work and the Business Plan and if NCFE has exhausted all
                  dispute escalation remedies expressly set forth in Section 3,
                  with the exception that if those escalation procedures do not
                  yield a resolution within the provided timeframe, NCFE shall
                  not be compelled to obtain judicial approval before using
                  alternative services.

                  l.       Section 6.3 shall be amended to cross-reference
                           Section 1.6(c) as opposed to Section 1.5(c).

                  m.       Section 7.1 shall be deleted in its entirety and
                           amended as follows:

                           SECTION 7.1 GRANT OF LICENSE. Subject to the payment
                  of all compensation due under this Agreement and all other
                  terms and conditions herein,

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                  E-MED grants to NCFE, a perpetual, personal, non-transferable,
                  non-exclusive license to Software, other than the Custom
                  Deliverables which are owned by NCFE and defined in Section
                  1.5 above, in object code form solely for the purpose of
                  serving the normal business operations of NCFE. This license
                  grant is subject to NCFE's continued use of the Master Portal
                  and payment of the fees referenced in Section 1.6(e).

                  n.       Section 7,2 shall be amended to cross-reference
                           Section 1.5 as opposed to Section 1.4:

                  o.       Section 10.1 shall be supplemented by adding the
                           following:

                           For the purposes of this Section 10.1 "Software
                  Requirements" shall have the meaning ascribed in the Statement
                  of Work and/or the related Scope of Work.

         SECTION 2. GOVERNING LAW. Section 11.3 of the Agreement shall apply to
this Second Amendment.

         SECTION 3. SEVERAL COUNTERPARTS. This Second Amendment may be executed
in several counterparts, each of which shall be deemed to be an original, and
such counterparts shall constitute one and the same instrument.

         SECTION 4. CAPTIONS. The captions or headings in this Second Amendment
are for convenience only and in no way define, limit or describe the scope or
intent of any provisions or sections of this Second Amendment.

         SECTION 5. AFFIRMATION OF TERMS. Except as expressly provided herein to
the contrary, the terms, covenants, and conditions of the Agreement shall remain
in full force and effect without modification or amendment, and the parties
hereto ratify and reaffirm the same in their entirety.

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         IN WITNESS WHEREOF this Agreement has been signed by the Parties hereto
on the date first written above.

                                      NATIONAL CENTURY FINANCIAL
                                      ENTERPRISE, INC.

                                      By:
                                         --------------------------------------
                                      Title
                                            -----------------------------------
                                      Address:   6125 Memorial Drive
                                                 Dublin, OH  43017
                                      Facsimile: (614) 764-0602

                                      E-MEDSOFT.COM

                                      By:
                                         --------------------------------------
                                      Title
                                            -----------------------------------
                                      Address: 1300 Marsh Landing Pkwy. #106
                                               Jacksonville Beach, FL  32250
                                      Facsimile: (904) 543 1071

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                                                                      EXHIBIT 1A

                                STATEMENT OF WORK

Development of full, web-based, subscription based network pursuant to policies
and pricing as may be promulgated from time to time by E-MED, within E-MED's
sole discretion, but provided that such pricing shall be at levels such that
NCFE receives discounts of at least eight percent (8%) from the standard pricing
of E-MED competitive with the industry.

In exchange for this preferred pricing being provided to NCFE, E-MED shall
develop and implement and provide for all of NCFE's internet electronic commerce
needs -- including all software, portal, web (and any other network) and
hardware products and services -- in the following areas:

         1.       Consumer web portals;
         2.       E-MED web portals;
         3.       Broker web portals;
         4.       Employer web portals;
         5.       Claims and encounters;
         6.       Eligibility and benefits verification;
         7.       Claim status inquiry;
         8.       Referrals and authorizations for newly acquired clients;
         9.       Coordination of benefits;
         10.      First report of injury;
         11.      Credentialing;
         12.      Drug history;
         13.      Prescription communication services;
         14.      Lab order and results;
         15.      Other connectivity and connectivity
         16.      Other e-commerce applications;
         17.      Internet/extranet products

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                                                                      EXHIBIT 1B

                                  BUSINESS PLAN
                             DATED OCTOBER 15, 1999

1.       The main focus of E-MED and NCFE, following the development of the
         "master portal", is to sign up new business clients for NCFE with the
         specific target market being Group Medical Practices added to the
         NCFE's funding programs. By 12/31/2000, the goal is 1950 practices.
         Target Chartwell operations and HMO's.

2.       Provide detailed cash flow and marketing objectives to both E-MED and
         NCFE for balance of fiscal 2000 (July-December). See attached.

3.       Provide a proposal for $15,000,000 revolver to E-MED using bank
         participations. If acceptable to NCFE, NCFE to syndicate the vehicle
         and provide $15,000,000 participation.

4.       Refine Preferred Provider Agreement to make the arrangement more
         workable long term and defendable in either public market or merger
         joint venture market. This means a longer term, i.e., 15-25 years.

5.       Reach an understanding as to some form of compensation to NCFE (cash or
         additional stock) in consideration of referrals of new business not
         related to Group Medical Practices.

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                                                                       EXHIBIT 2

                                  SCOPE OF WORK

                                (TO BE PROVIDED)

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                                                                       EXHIBIT 3

                                PARTICIPATION FEE

In addition to a one-time payment of $1,000 by NCFE to E-MED with respect to
each new seller of receivable originated through the Master Portal, E-MED will
participate in the program revenues based on the outstanding balance of seller
receivables purchased by NCFE that result from a financing relationship
originated and funded using the Master Portal internet connection. The maximum
participation fee is an annual fee of .5% computed on a monthly basis. The final
determination of this fee is contingent upon NCFE earning a minimum gross margin
of 6%. Gross margin is determined by subtracting the average cost of funds
related to the purchased receivables from the program fees earned and collected
on funds advanced to purchase receivables. If the gross margin does not exceed
6%, no participation fee is due to E-MED. If the gross margin exceeds 6%, E-MED
will earn a participation fee equal to such excess but in no event in excess of
..5% annually.

EXAMPLE

Cost of funds:                       7.0%
Program Charges:                    13.5%
Gross Margin:                        6.5%

PARTICIPATION FEE DUE TO E-MED:                .5% of outstanding balance of
                                               purchased receivables computed
                                               monthly.

Cost of funds:                       7.5%
Program Charges:                    13.5%
Gross Margin:                        6.0%

PARTICIPATION FEE DUE TO E-MED:                none

Cost of funds:                       7.4%
Program Charges:                    13.5%
Gross Margin:                        6.1%

PARTICIPATION FEE DUE TO E-MED:                .1% of outstanding balance of
                                               purchased receivables computed
                                               monthly.

                                       13<Page>

                                                                    Exhibit 10.5

                     SETTLEMENT AGREEMENT AND MUTUAL RELEASE

         This Settlement Agreement and Mutual Release ("Agreement") is made and
entered into as of this 28th day of November, 2000, by and among e-MedSoft.com,
on the one hand (hereinafter `The Parties of the First Part" or "MED"), and
StartNest, LLC., on the other hand (hereinafter "The Parties of the Second Part"
or "StartNest"), with reference to the following facts:

                                    RECITALS

         StartNest and MED have had an investment-related and services-related
dispute, and they wish to settle this and all disputes between them.

                                    AGREEMENT

         NOW THEREFORE, in consideration of the mutual agreements of the
Parties, it is hereby agreed as follows:

         1. LOAN PAYMENT.

                  Immediately upon the execution of this Agreement, MED shall
loan to StartNest the principal sum of $ 1,000,000 in the manner set out in the
Promissory Note appended hereto as Exhibit "A" (hereinafter "Loan Payment"). All
legal obligations in connection with such Loan Payment shall be precisely as set
forth in the Promissory Note appended hereto as Exhibit "A."

         2. DELIVERY AND REGISTRATION OF SHARES.

                  Immediately upon the execution of this Agreement, MED shall
deliver a total of 1,000,000 shares of its stock (the "Settlement Shares").
Within 30 days from the date hereof, or as soon thereafter as is practicable,
MED shall file a registration statement with the Securities and Exchange
Commission ("SEC') covering the Settlement Shares and shall use reasonable
efforts to cause such registration statement to be declared effective by the SEC
as soon as practicable. MED shall cause such registration statement to remain
effective for one (1) year.

         3. SHARE CONDITIONS.

                  The Settlement Shares, and an additional 400,000 shares owned
by StartNest, must be kept in trading accounts with a reputable brokerage firm
(including but not limited to Dreyfus) provided that StartNest hereby promises
that the following sale restrictions shall be followed in perpetuity: Any sale,
resale, short-sale, hedging transaction or other transaction other than outright
buying of MED stock (collectively "sale transaction") in which the public
marketplace is utilized to obtain the monies necessary to complete the sale
transaction shall be limited as follows: (a) StartNest shall not in any trading
day engage in a sale transaction in which StartNest sells more than the 7,000
shares; and (b) StartNest may at its discretion, notwithstanding subsection 3(a)
above and notwithstanding any other fact or circumstance, engage in a sale
transaction in which it sells up to 50,000 shares per trading day in any sale
<Page>

transaction occurring at a time when the public trading price of MED is above
$20 per share. StartNest agrees to at all times comply with all applicable
requirements, laws and regulations with respect to all transactions appertaining
or relating to the trading of stock in MED.

         The certificates representing the Settlement Shares shall bear
appropriate legends reflecting the restrictions on transfer imposed by law as
well as the volume restrictions provided for in this paragraph 3.

         4. MUTUAL RELEASES.

                  a. Excepting the obligations set out in this Agreement, the
Parties of the First Part, for themselves and for their shareholders, officers,
directors, legal predecessors, successors, assigns, and those who at any time
purport for any reason to be acting in association with them or on their behalf
do hereby forever and finally release, relieve, acquit, remise, absolve and
discharge the Parties of the Second Part and their respective past and present
parents, employees, officers, partners, associates, affiliates, subsidiaries,
related companies, joint venture partners, directors, agents, representatives,
attorneys, shareholders, spouses, and children from any and all losses, claims,
debts, liabilities, demands, obligations, promises, acts, omissions, agreements,
costs and expenses, damages, injuries, suits, actions and causes of action, of
whatever kind or nature, whether known or unknown, suspected or unsuspected,
contingent or fixed, that the Parties of the First Part may have against the
Parties of the Second Part(or against their past and present employees,
officers, partners, associates, affiliates, subsidiaries, related companies,
joint venture partners, directors, agents, representatives, attorneys,
shareholders, spouses and/or children) based upon, related to, or by reason of
any matter, cause, fact, act or omission occurring or arising at any moment from
the beginning of time to the last date of execution hereof, including, without
limitation matters existing by reason of any contract (express or implied in
fact or implied in law), lien, liability, cause, fact, thing, act or omission
whatever, occurring or existing at any time to and including the last date of
execution hereof. Each person released by operation of this Agreement is an
intended third party beneficiary of this Agreement.

                  b. Excepting the obligations set out in this Agreement, the
Parties of the Second Part, for themselves and for their shareholders, officers,
directors, legal predecessors, successors, assigns, and those who at any time
purport for any reason to be acting in association with them or on their behalf,
does hereby forever and finally release, relieve, acquit, remise, absolve and
discharge the Parties of the First Part and their respective past and present
parents, employees, officers, partners, associates, affiliates, subsidiaries,
related companies, joint venture partners, directors, agents, representatives,
attorneys, shareholders, spouses, and children from any and all losses, claims,
debts, liabilities, demands, obligations, promises, acts, omissions, agreements,
costs and expenses, damages, injuries, suits, actions and causes of action, of
whatever kind or nature, whether known or unknown, suspected or unsuspected,
contingent or fixed, that the Parties of the Second Part may have against the
Parties of the First Part(or against their past and present employees, officers,
partners, associates, affiliates, subsidiaries, related companies, joint venture
partners, directors, agents, representatives, attorneys, shareholders, spouses
and/or children) based upon, related to, or by reason of any matter, cause,
fact, act or omission occurring or arising at any moment from the beginning of
time to the last date of execution hereof, including, without limitation matters
existing by reason of any contract

                                       2
<Page>

(express or implied in fact or implied in law), lien, liability, cause, fact,
thing, act or omission whatever, occurring or existing at any time to and
including the last date of execution hereof. Each person released by operation
of this Agreement is an intended third party beneficiary of this Agreement.

                  c. As used herein, the term "related companies" shall mean any
person or company that a person released by operation of this Agreement has an
ownership interest in or a legal affiliation with, whether that interest or
legal affiliation is held or reflected as a partnership interest (in the case of
a partnership), a membership interest (in the case of a limited liability
company), a stock interest (in the case of a corporation), a joint venture
interest (in the case of other contractual relationships) or any other interest
recognized under the law, it being the intention of the parties that all
"related companies" of the persons released above shall by this document be
released as well from any liability and shall receive the same protection under
this Agreement as has been provided to the persons actually named herein.

         5. FINALITY AND SCOPE OF RELEASES. The patties hereto acknowledge and
agree that it is their intention, through this Agreement and the releases set
forth above, to fully, finally and forever settle and release each other from
all those matters released herein, and all claims related thereto, which do now
exist, may exist or heretofore have existed or may hereafter exist. It is the
intent of the parties to this Agreement to release each other from claims or
causes of action arising from facts that were willfully, wrongfully, or
tortuously concealed from the aggrieved party.

         6. RELEASES OF UNKNOWN OR UNSUSPECTED CLAIMS. The parties have been
informed by their respective attorneys and advisors about California Civil Code
section 1542, and the parties acknowledge that they are familiar with and hereby
expressly waive the provisions of this section, and any similar statute, code,
law or regulation of any state in the united states to the fullest extent that
they may waive such rights and benefits. Section 1542 of the California Civil
Code provides:

                  A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR
                  DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF
                  EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE
                  MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.

         7. FINAL ACCORD AND SATISFACTION. This Agreement and the releases
contained herein are intended to be final and binding between the parties hereto
and are further to be effective as a full and final accord and satisfaction
between the parties hereto, and each party to this Agreement expressly relies on
the finality of this Agreement as a substantial, material factor inducing that
party's execution of this Agreement.

                                       3

<Page>

         8. GENERALITY AND SPECIFICITY OF RELEASES: COVENANT NOT TO SUE OR MAKE
CLAIMS.

                  The parties hereto intend these releases to be construed in
the broadest possible terms so that the effect of this Agreement is that the
persons released hereby may not be sued by the persons releasing them hereby,
whether directly or indirectly, and no claims may be made related to such
releases whether by way of offset or otherwise or indeed in any manner and for
any reason, under any theory of fact under any theory of law, under any alleged
set of facts, under any alleged reading of the law and under or pursuant to any
claim of any kind, including (without limitation) claims for negligence, breach
of contract, fraud, theft, breach of fiduciary duty, lender liability and indeed
for say of the disputes set out in any of the recitals set forth above.

         9. REPRESENTATIONS AND WARRANTIES. The parties hereto further represent
and warrant to one another as follows:

                  a. Each party is the sole and lawful owner of all right, title
and interest in and to every claim and other matter which the party releases
herein or which the party assigns herein, and said party has not heretofore
assigned or transferred or purported to assign or transfer to any person, firm
or entity any claims or other matters herein released or assigned herein. Each
party agrees to defend and indemnify each other party against any claim based
on, arising out of, or in connection with, any such transfer or assignment or
purported transfer or assignment in violation of this representation.

                  b. Each party hereto has received independent legal advice
from attorneys of that party's choice with regard to the advisability of
execution of this Agreement and the releases provided for hereinabove. Prior to
the execution of this Agreement by each party, that party's attorney reviewed
this Agreement and discussed the Agreement with the party, and the party has
made all desired changes.

                  c. All parties signing below in representative capacities have
actual authority to execute this Agreement.

                  d. All parties to this understand that until the Registration
Statement contemplated in paragraph 2 hereof is declared effective, the shares
have been qualified with any state securities authority, the shares of common
stock of MED covered by this agreement, may not be offered, sold or otherwise
transferred, assigned, placed or hypothecated unless MED has received an opinion
of counsel satisfactory to it and its counsel that such registration and
qualification is not required.

                  e. StartNest has substantial experience in evaluating and
investing in private equity transactions in companies similar to MED so that it
is capable of evaluating the merits and risks of its investment in MED and has
the capacity to protect its own interest. StartNest understands that it must
bear the economic risk of this investment indefinitely unless the shares are
registered pursuant to the Securities Act or an exemption from registration is
available.

                                       4
<Page>

                  f. StartNest is acquiring the shares covered by this agreement
for its own account for investment only, and not with a view towards
distribution.

                  g. StartNest represents that it is an accredited investor
within the meaning of Regulation D under the Securities Act

                  h. StartNest has received and read the financial statements
for MED and has had an opportunity to discuss MED's business, management and
financial affairs with management of MED and has had the opportunity to review
MED's operations and facilities. StartNest has also had the opportunity to ask
questions of, and receive answers from, MED and its Management regarding the
terms and conditions of its investment in the securities of MED.

     10. MISCELLANEOUS PROVISIONS

                  a. This Agreement may be signed in counterparts, any two
signatures of which shall constitute a binding and enforceable agreement as
between or among each of the signatories hereto.

                  b. The headings of this Agreement are inserted for convenience
and shall not affect the meaning or interpretation of this Agreement or any
provisions hereof.

                  c. This Agreement, and any attachments, and the term and
conditions contained therein, are each made an integral part of this Agreement
by this reference as though fully set forth in this Agreement. Recitals am also
incorporated by this reference. The masculine shall include the feminine and the
neuter, and the plural and singular shall be used interchangeably so that the
meaning of this Agreement may be affected properly.

                  d. This Agreement (including the exhibits hereto) and any
agreements incorporated herein by reference constitute the entire agreement
between the parties pertaining to the subject matter contained herein and
supersede any and all prior and contemporaneous agreements, representations and
understandings (whether oral, written or both) of the parties with respect to
the subject matter hereof. In the case of this Agreement, there have been no
prior or contemporaneous agreements, representations and understandings between
or among the parties hereto, and the only agreement that formed the topic of
negotiations and discussions is contained herein. All prior negotiations,
agreements, understandings and statements made between the parties hereto which
have occurred on any subject at any time prior to the execution of this
Agreement with regard to the subject matter of this Agreement are hereby
superseded and merged into this integrated Agreement. Neither this Agreement nor
any term hereof may be changed, waived, discharged or terminated, except by a
subsequent amendment in writing signed by all parties hereto. Accordingly, this
Agreement may not be so modified by a writing that is unsigned by one or all of
the parties hereto and this Agreement may not be modified by any oral amendment,
oral agreement or other oral modification. In fact, any oral amendment and/or
written modification that remains unsigned by all parties hereto is invalid in
that the parties intend that there is no consideration for any future promises
that are not contained in writing and the parties hereto specifically agree that
this be the case.

                                       5
<Page>

                  e. All representations and warranties contained herein shall
survive the execution and delivery of this Agreement, are material and have
been, or will be relied upon by the parties, notwithstanding any investigation
made by the parties or on behalf of them.

                  f. This Agreement shall be construed and governed by the laws
of the State of California. The parties hereby consent to the jurisdiction of
the federal and state courts located in Los Angeles, California, for any action
or suit arising out of this Agreement, and waive any defense to such
jurisdiction, including, without limitation, any defense based on venue or
inconvenient forum

                  g. The parties hereby acknowledge and agree that they have
received independent legal advice from attorneys of their choice with regard to
the advisability of execution of this Agreement and the releases provided for
hereinabove. Prior to the execution of this Agreement by each party, that
party's attorney reviewed this Agreement and discussed the Agreement with the
party, and the party has made all desired changes.

                  h. This Agreement shall not constitute or be construed as an
admission of wrongdoing or liability by any party hereto, the same being denied.

                  i. All agreements, acknowledgments, warranties,
representations and recitals hereunder shall -- in addition to their express
characterization hereunder -- constitute recitals under the California Evidence
Code and as such all agreements, acknowledgments, warranties, representations
and recitals hereunder shall be and are conclusively deemed to be true and
binding upon the party hereto under the provisions of California Evidence Code,
section 622.

                  j. This Agreement may not be assigned, in whole or part, by
any party hereto to any other person.

         WHEREFORE, the parties have executed this Agreement as of the date set
forth above intending to be legally bound to the terms and conditions of this
Agreement.

E-MEDSOFT.COM                              STARTNEST, INC.

By:________________________                By:  Paramjeet S. Dargan
                                               _______________________
     JOHN F.  ANDREWS,                         _______________________
     President and CEO                              General Partner
                                               _______________________

                                       6
<Page>

                     SETTLEMENT AGREEMENT AND MUTUAL RELEASE

         This Settlement Agreement and Mutual Release ("Agreement") is mad and
entered into as of the 28th day of November, 2000, by and among the Investor
identified in the signature block below (hereinafter the Parties of the First
Part"), and StartNest, LLC, on the other hand (hereinafter "The Parties of the
Second Part" or "StartNest"), with reference to the following facts:

                                    RECITALS

         StartNest and the Parties of the First Part have had an
investment-related dispute, and they wish to settle this and all disputes
between them.

                                    AGREEMENT

         NOW THEREFORE, in consideration of the mutual agreements of the
Parties, it is hereby agreed as follows:

         1. DELIVERY OF SHARES.

                  Immediately upon the execution of this Agreement, the Parties
of the First Part shall arrange for the delivery to StartNest of a total of
400,000 shares of E-MEDSOFT.COM (AMEX:MED). At the time they are issued, such
shares shall be restricted shares within the meaning of Rule 144 and all similar
rules and regulations.

         2. MUTUAL RELEASES.

                  a. Excepting the obligations set out in this Agreement, the
Parties of the First Part, for themselves and for their shareholders, officers,
directors, legal predecessors, successors, assigns, and those who at any time
purport for any reason to be acting in association with them or on their behalf,
do hereby forever and finally release, relieve, acquit, remise, absolve and
discharge the Parties of the Second Part and their respective past and present
parents, employees, officers, partners, associates, affiliates, subsidiaries,
related companies, joint venture partners, directors, agents, representatives,
attorneys, shareholders, spouses, and children from any and all losses, claims,
debts, liabilities, demands, obligations, promises, acts, omissions, agreements,
costs and expenses, damages, injuries, suits, actions and causes of action, of
whatever kind or nature, whether known or unknown, suspected or unsuspected,
contingent or fixed, that the Parties of the First Part may have against the
Parties of the Second Part(or against their past and present employees,
officers, partners, associates, affiliates, subsidiaries, related companies,
joint venture partners, directors, agents, representatives, attorneys,
shareholders, spouses and/or children) based upon, related to, or by reason of
any matter, cause, fact, act or omission occurring or arising at any moment from
the beginning of time to the last date of execution hereof, including, without
limitation matters existing by reason of any contract (express or implied in
fact or implied in law), lien, liability, cause, fact, thing, act or omission
whatever, occurring or existing at any time to and including the last date of
execution hereof. Each person released by operation of this Agreement is an
intended third party beneficiary of this Agreement.
<Page>

                  b. Excepting the obligations set out in this Agreement, the
Parties of the Second Part, for themselves and for their shareholders, officers,
directors, legal predecessors, successors, assigns, and those who at any time
purport for any reason to be acting in association with them or on their behalf,
does hereby forever and finally release, relieve, acquit, remise, absolve and
discharge the Parties of the First Part and their respective past and present
parents, employees, officers, partners, associates, affiliates, subsidiaries,
related companies, joint venture partners, directors, agents, representatives,
attorneys, shareholders, spouses, and children from any and all losses, claims,
debts, liabilities, demands, obligations, promises, acts, omissions, agreements,
costs and expenses, damages, injuries, suits, actions and causes of action, of
whatever kind or nature, whether known or unknown, suspected or unsuspected,
contingent or fixed, that the Parties of the Second Part may have against the
Parties of the First Part (or against their past and present employees,
officers, partners, associates, affiliates, subsidiaries, related companies,
joint venture partners, directors, agents, representatives, attorneys,
shareholders, spouses and/or children) based upon, related to, or by reason of
any matter, cause, fact, act or omission occurring or arising at any moment from
the beginning of time to the last date of execution hereof, including, without
limitation matters existing by reason of any contract (express or implied in
fact or implied in law), lien, liability, cause, fact, thing, act or omission
whatever, occurring or existing at any time to and including the last date of
execution hereof. Each person released by operation of this Agreement is an
intended third party beneficiary of this Agreement.

                  c. As used herein, the term "related companies" shall mean any
person or company that a person released by operation of this Agreement has an
ownership interest in or a legal affiliation with, whether that interest or
legal affiliation is held or reflected as a partnership interest (in the case of
a partnership), a membership interest (in the case of a limited liability
company), a stock interest (in the case of a corporation), a joint venture
interest (in the case of other contractual relationships) or any other interest
recognized under the law, it being the intention of the parties that all
"related companies" of the persons released above shall by this document be
released as well from any liability and shall receive the same protection under
this Agreement as has been provided to the persons actually named herein.

         3. FINALITY AND SCOPE OF RELEASES. The parties hereto acknowledge and
agree that it is their intention, through this Agreement and the releases set
forth above, to fully, finally and forever settle and release each other from
all those matters released herein, and all claims related thereto, which do now
exist, nay exist or heretofore have existed or may hereafter exist. It is the
intent of the parties to this Agreement to release each other from claims or
causes of action arising from facts that were willfully, wrongfully, or
tortuously concealed from the aggrieved party.

         4. RELEASES OF UNKNOWN OR UNSUSPECTED CLAIMS. The parties have been
Informed by their respective attorneys and advisors about California Civil Code
section 1542, and the parties acknowledge that they are familiar with and hereby
expressly waive the provisions of this section, and any similar statute, code,
law or regulation of any state in the united states to the fullest extent that
they may waive such rights and benefits. Section 1542 of the California Civil
Code provides:

                                       2
<Page>

                  A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR
                  DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF
                  EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE
                  MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.

         5. FINAL ACCORD AND SATISFACTION. This Agreement and the releases
contained herein are intended to be final and binding between the parties hereto
and are further to be effective as a full and final accord and satisfaction
between the parties hereto, and each party to this Agreement expressly relies on
the finality of this Agreement as a substantial, material factor inducing that
party's execution of this Agreement.

         6. GENERALITY AND SPECIFICITY OF RELEASES: COVENANT NOT TO SUE OR
MAKE CLAIMS. The parties hereto intend these releases to be construed in the
broadest possible terms so that the effect of this Agreement is that the
persons released hereby may not be sued by the persons releasing them hereby,
whether directly or indirectly, and no claims may be made related to such
releases whether by way of offset or otherwise or indeed in any manner and
for any reason, under any theory of fact, under any theory of law, under any
alleged set of facts, under any alleged reading of the law and under or
pursuant to any claim of any kind, including (without limitation) claims for
negligence, breach of contract, fraud, theft, breach of fiduciary duty,
lender liability and indeed for any of the disputes set out in any of the
recitals set forth above.

         7. REPRESENTATIONS AND WARRANTIES. The parties hereto further represent
and warrant to one another as follows:

                  a. Each party is the sole and lawful owner of all right, title
and interest in and to every claim and other matter which the party releases
herein or which the party assigns herein, and said party has not heretofore
assigned or transferred or purported to assign or transfer to any person, firm
or entity any claims or other matters herein released or assigned herein. Each
party agrees to defend and indemnify each other party against any claim based
on, arising out of, or in connection with, any such transfer or assignment or
purported transfer or assignment in violation of this representation.

                  b. Each party hereto has received independent legal advice
from attorneys of that party's choice with regard to the advisability of
execution of this Agreement and the releases provided for hereinabove. Prior to
the execution of this Agreement by each party, that party's attorney reviewed
this Agreement and discussed the Agreement with the party, and the party has
made all desired changes.

                  c. All parties signing below in representative capacities have
actual authority to execute this Agreement.

                                       3
<Page>

                  d. All parties to this understand that until a registration
statement covering the shares delivered under this Agreement is declared
effective, and have been qualified with any applicable state securities
authority, the shares of common stock of MED covered by this Agreement may not
be offered, sold or otherwise transferred, assigned, placed or hypothecated
unless MED has received an opinion of counsel satisfactory to it and its counsel
that such registration and qualification is not required.

                  e. StartNest has substantial experience in evaluating and
investing in private equity transactions in companies similar to MED so that it
is capable of evaluating the merits and risks of its investment in MED and has
the capacity to protect its own interest. StartNest understands that it must
bear the economic risk of its investment in MED indefinitely unless the
securities representing its investment are registered pursuant to the Securities
Act or an exemption from registration is available.

                  f. StartNest is acquiring the shares covered by this agreement
for its own account for investment only, and not with a view towards
distribution.

                  g. StartNest represents that it is an accredited investor
within the meaning of Regulation D under the Securities Act.

                  h. StartNest has received and read the financial statements
for MED and has had an opportunity to discuss MED's business, management and
financial affairs with management of MED and has had the opportunity to review
MED's operations and facilities. StartNest has also had the opportunity to ask
questions of, and receive answers from, MED and its management regarding the
terms and conditions of its investment in the securities of MED.

         8. MISCELLANEOUS PROVISIONS.

                  a. This Agreement nay be signed in counterparts, any two
signatures of which shall constitute a binding and enforceable agreement as
between or among each of the signatories hereto.

                  b. The headings of this Agreement are inserted for convenience
and shall not affect the meaning or interpretation, of this Agreement or any
provisions hereof.

                  c. This Agreement, and any attachments, and the terms and
conditions contained therein, are each made an integral part of this Agreement
by this reference as though fully set forth in this Agreement. Recitals are also
incorporated by this reference. The masculine shall include the feminine and the
neuter, and the plural and singular shall be used interchangeably so that the
Meaning of this Agreement may be affected properly.

                  d. This Agreement (including the exhibits hereto) and any
agreements incorporated herein by reference constitute the entire agreement
between the parties pertaining to the subject matter contained herein and
supersede any and all prior and contemporaneous agreements, representations and
understandings (whether oral, written or both) of the parties with respect to
the subject matter hereof. In the case of this Agreement, there have been no
prior or

                                       4
<Page>

contemporaneous agreements, representations and understandings between or among
the parties hereto, and the only agreement that formed the topic of negotiations
and discussions is contained herein. All prior negotiations, agreements,
understandings and statements made between the parties hereto which have
occurred on any subject at any time prior to the execution of this Agreement
with regard to the subject matter of this Agreement are hereby superseded and
merged into this integrated Agreement. Neither this Agreement nor any term
hereof may be changed, waived, discharged or terminated, except by a subsequent
amendment in writing signed by all parties hereto. Accordingly, this Agreement
may not be so modified by a writing that is unsigned by one or all of the
parties hereto and this Agreement may not be modified by any oral amendment,
oral agreement or other oral modification. In fact, any oral amendment and/or
written modification that remains unsigned by all parties hereto is invalid in
that the parties intend that there is no consideration for any future promises
that are not contained in writing and the parties hereto specifically agree that
this be the case.

                  e. All representations and warranties contained herein shall
survive the execution and delivery of this Agreement, are material and have been
or will be relied upon by the parties, notwithstanding any investigation made by
the parties or on behalf of them.

                  f. This Agreement shall be construed and governed by the laws
of the State of California. The parties hereby consent to the jurisdiction of
the federal and state courts located in Los Angeles, California, for any action
or suit arising out of this Agreement, and waive any defense to such
jurisdiction, including, without limitation, any defense based on venue or
inconvenient forum.

                  g. The parties hereby acknowledge and agree that they have
received independent legal advice from attorneys of their choice with regard to
the advisability of execution of this Agreement and the releases provided for
hereinabove. Prior to the execution of this Agreement by each party, that
party's attorney reviewed this Agreement and discussed the Agreement with the
party, and the party has made all desired changes.

                  h. This Agreement shall not constitute or be construed as an
admission of wrongdoing or liability by any party hereto, the same being denied.

                  i. All agreements, acknowledgments, warranties,
representations and recitals hereunder shall -- in addition to their express
characterization hereunder -- constitute recitals under the California Evidence
Code and as such all agreements, acknowledgments, warranties, representations
and recitals hereunder shall be and are conclusively deemed to be true and
binding upon the party hereto under the provisions of California Evidence Code,
section 622.

                  j. This Agreement may not be assigned, in whole or part, by
any party hereto to any other person.

                                       5
<Page>

         WHEREFORE, the parties have executed this Agreement as of the date set
forth above intending to be legally bound to the terms and conditions of this
Agreement.

"INVESTOR"

____________________________________
Name: ______________________________
Title: _____________________________

"STARTNEST"

____________________________________
Name:    Paramjeet S. Dargan
     _______________________________
Title:   GENERAL PARTNER
       _____________________________

                                       6
<Page>

                                 PROMISSORY NOTE

$1,000,000                     October 31, 2000                   Los Angeles,
                                                                  California

         For value received, StartNest, LLC ("Borrower") hereby promises to pay
to the order of e-MedSoft.com the principal sum of $1,000,000, plus interest at
the rate of eight percent (8%) per annum, with the entire principal sum plus all
accrued interest being fully due and payable on September 30, 2003 (hereinafter
"Maturity Date").

         Principal and interest payable in lawful money of the United States of
America.

         In the event that on the Maturity Due the sum of: (a) the amount of all
cash and other property received by Borrower with respect to the Settlement
Shares between the date hereof and the Maturity Date; AND (b) the aggregate Fair
Market Value of any Settlement Shares (including additional shares issued as a
result of stock splits or dividends) owned by Borrower is less than Ten Million
Dollars ($10,000,000), all sums due and owing hereunder shall be forgiven and
cancelled and deemed paid in full without any further action on the part of
Borrower and Borrower shall have no further obligation, express or implied to
e-MedSoft.com hereunder.

         During the term of this Promissory Note, Borrower shall provide
eMedSoft.com on a quarterly basis with a report describing any cash receipts or
other property received with respect to the Settlement Shares and the number of
Settlement Shares owned as of the date of such report.

         In the event litigation is initiated hereunder, the prevailing party
shall be entitled to reasonable attorney's fees and costs.

                                       STARTNEST, LLC

                                       By:   Paramjeet S. Dargan
                                           ___________________________________
                                       Print Name: Paramjeet S. Dargan
                                                  ____________________________
                                       Its: __________________________________

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00044-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00044-of-00352.parquet"}]]