Document:

CHRONIMED INC.

                                                                  EXHIBIT 10.20a

LEASE ASSIGNMENT BETWEEN THE COMPANY MEDGENESIS INC.

                       ASSIGNMENT AND ASSUMPTION OF LEASE

         FOR AND IN CONSIDERATION of receipt of One Dollar ($1.00) and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, Chronimed Inc., a Minnesota Corporation, (hereinafter referred to
as "Assignor") hereby assigns to MEDgenesis Inc., a Minnesota corporation
(hereinafter referred to as "Assignee") all of its right, title and interest in
and to a certain lease dated June 10, 1997 by and between Assignor as "Tenant"
and Jorandcor Inc., a Minnesota corporation, as "Landlord", for certain space
described therein and located in Hennepin County and more commonly known as 6214
Bury Drive, Eden Prairie, Minnesota 55346.

         Assignee hereby accepts this Assignment and Assumption of Lease and
hereby agrees to be bound by all of the rights and obligations of Assignor as
Tenant under the Lease and acknowledges that all provisions of the Lease remain
in full force and effect.

         Assignee fully releases Assignor from and indemnifies Assignee against
any and all liabilities arising under the Lease or Assignee's tenancy from and
after July 1, 2000.

         This Assignment and Assumption of Lease shall not be construed to
modify, waive, impair or affect any of the terms, provisions or conditions of
the Lease.

         This Assignment and Assumption of Lease shall not constitute a consent
to any further assignment of the Lease or subletting of the premises demised
thereby.

         This Assignment Assumption of Lease may be executed in two or more
counterparts, each of which shall be deemed an original. All such counterparts
shall together constitute one and the same instrument.

         This Assignment and Assumption of Lease shall be deemed effective
July 1, 2000.

         EXECUTED this 29th day of August, 2000.

                                       "Assignor"

                                       CHRONIMED INC., a
                                       Minnesota corporation

                                       By: /s/ Shawn Featherston
                                           ---------------------

                                       Title: Vice President
                                              --------------

                                       "Assignee"

                                       MEDGENESIS INC., a
                                       Minnesota corporation

                                       By: /s/ Richard B. Thon
                                           -------------------

                                       Title: Chief Financial Officer
                                              -----------------------

<PAGE>

STATE OF Minnesota          )
         -------------------
                            ) SS:
COUNTY OF Henn              )
          ------------------

         Before me, a Notary Public in and for said County and State, personally
appeared Shawn Featherston and -- , by me known and by me known to be the Vice
President and -- , respectively, of Chronimed Inc., a Minnesota corporation, who
acknowledged the execution of the foregoing "Assignment and Assumption of Lease"
on behalf of said corporation.

         Witness my hand and Notarial Seal this 29th day of August, 2000.

                                       /s/ Kenneth Guenthner
                                       ---------------------
                                       Notary Public

                                       Kenneth Guenthner
                                       -----------------
                                       (Printed Signature)

My Commission Expires:  1/31/05
                        -------

My County of Residence:  Henn.
                         -----

STATE OF Minnesota          )
         -------------------
                            ) SS:
COUNTY OF Henn              )
          ------------------

         Before me, a Notary Public in and for said County and State, personally
appeared Richard Thon and -- , by me known and by me known to be the Chief
Financial Officer and -- , respectively, of MEDgenesis Inc., a Minnesota
corporation, who acknowledged the execution of the foregoing "Assignment and
Assumption of Lease" on behalf of said corporation.

         Witness my hand and Notarial Seal this 29th day of August, 2000.

                                       /s/ Kenneth Guenthner
                                       ---------------------
                                       Notary Public

                                       Kenneth Guenthner
                                       -----------------
                                       (Printed Signature)

My Commission Expires:  1/31/05
                        -------

My County of Residence:  Henn.
                         -----

<PAGE>

CONSENT AND ACCEPTANCE

         JORANDCOR INC., a Minnesota corporation, as Landlord under the Lease,
hereby consents to the assignment of the Lease as set forth above, the
substitution of Assignee as Tenant thereunder, and the release of Assignor from
any liabilities arising thereon from and after July 1, 2000.

                                            "Landlord"
                                            Jorandcor Inc., a Minnesota
                                            Corporation

                                            By:  /s/ Richard A. Broms
                                                 --------------------
                                            Its: President
                                                 ---------CHRONIMED INC.

                                                                   EXHIBIT 10.24

PHARMACY PARTICIPATION AGREEMENT WITH AETNA HEALTH MANAGEMENT, INC.

                               SPECIALTY PHARMACY
                          MAIL SERVICE VENDOR AGREEMENT

         This Agreement is entered into by and between Aetna U.S. Healthcare,
Inc. on behalf of itself and its Affiliates (as defined below) (hereinafter
"Company") and CHRONIMED, INC. (hereinafter "Pharmacy"), to become effective on
May 1, 2000 ("Effective Date").

         WHEREAS, Company contracts with health care providers to render
services to individuals entitled to receive health care services from or through
a Plan (as defined below); and

         WHEREAS, Pharmacy wishes to contract with Company to provide
pharmaceutical services to said individuals on the following terms and
conditions;

         NOW THEREFORE, in consideration of the foregoing and of the mutual
covenants, promises and undertakings herein and intending to be legally bound
hereby, the parties agree as follows:

1.0    PHARMACY SERVICES

1.1    Provision of Covered Services. Pharmacy shall provide Covered Services to
       Members within the scope of Pharmacy's qualifications and licensure and
       in accordance with generally accepted professional standards and the
       terms of this Agreement. A detailed schedule of Covered Services covered
       under this Agreement is attached as the SERVICES SCHEDULE and by
       reference is made a part of this Agreement. Covered Services will be
       provided pursuant to either a currently dated prescription order or in
       response to a telephone request by a properly identified physician,
       optometrist, physician assistant (where allowed by state law) or dentist.
       Pharmacy shall provide Covered Services to those Members whose
       eligibility is verified through the Company on-line claims adjudication
       system or those Members who submit a current fully executed Company
       designated enrollment form. This Agreement excludes all Internet Pharmacy
       Services (as hereinafter defined).

1.2    Non-Discrimination. Pharmacy shall provide Covered Services to Members
       without regard to the health status or health care needs of such Members.
       Pharmacy shall not differentiate or discriminate in the provision of
       Covered Services to Members on the basis of race, gender, creed,
       ancestry, lawful occupation, age, religion, marital status, sexual
       orientation, mental or physical disability, color, national origin, place
       of residence, health status, source of payment for services, cost or
       extent of Covered Services required, status as Members, or any other
       grounds prohibited by law or this Agreement. Pharmacy shall provide
       Covered Services to Members: (a) in no less than the same manner and in
       accordance with at least the same standards as offered to Pharmacy's
       patients who are not Members; and (b) in accordance with at least the
       same standard of practice, care, skill and diligence customarily used by
       similarly situated pharmacies at the time at which such services are
       rendered.

<PAGE>

1.3    Referrals to Vendors. Upon notice from Company that it has contracted
       with a vendor of pharmaceuticals for specified Covered Services in
       accordance with the applicable Plan, Pharmacy shall refer Members needing
       such services to the specified vendors for Covered Services provided by
       such vendors.

1.4    Individual Pharmacy Obligations. Pharmacy agrees that it and, if
       applicable, each of its individual pharmacies shall comply with the
       following obligations:

       (a)    cooperate with Company's Audit Unit and its policies, including
              access by auditors to original prescriptions, and remit
              overpayments identified during the course of an audit;

       (b)    provide all prescription drugs and supplies which are Covered
              Services, including prescription drugs and supplies requiring
              special order, except as referenced in section 1.3;

       (c)    compound prescriptions that are usually available at community
              pharmacies and submit a claim for any compounded prescriptions via
              the on-line claims adjudication system at the agreed upon
              reimbursement terms set forth in the COMPENSATION SCHEDULE or as
              otherwise directed by Company;

       (d)    provide all information required under the Omnibus Budget
              Reconciliation Act ("OBRA"), 42 U.S.C. ss. 1396r-8(g)(1990), and
              state law regarding utilization review and prescription drug
              counseling (Prospective Drug Use Review Program) to Member or
              Member's representative prior to release of the prescription to
              Member or Member's representative;

       (e)    dispense and mail clean prescription drug orders within an average
              of two (2) business days after receipt of prescription, excluding
              holidays and weekends;

       (f)    dispense any quantity of prescription drugs as prescribed,
              including any minimal quantities, up to a thirty (30) day supply
              or as defined by the applicable Plan design;

       (g)    fill prescriptions with Generic equivalents, as permitted by
              applicable law or regulation of the dispensing state which governs
              the operation of such pharmacy and as defined in the Plan;

       (h)    not fill prescriptions:

              (i)    more than twelve (12) months after issuance for
                     non-controlled substances,
              (ii)   more than six (6) months after issuance for controlled
                     substances, or
              (iii)  if prohibited by applicable law or regulation;

<PAGE>

       (i)    not refill a prescription unless, when the refill request is
              received, at least fourteen (14) days prior to when the supply of
              the prescription should have been consumed if taken as directed;

       (j)    provide pharmacist consultation services to Members through a
              toll-free telephone number;

       (k)    send all prescriptions postage prepaid to the Member and
              accompanied by product information and accessory warning labels,
              where appropriate and required by law;

       (l)    maintain and utilize patient profiles as agreed upon by Company
              and Pharmacy or as required by applicable state law;

       (m)    guarantee delivery of all orders;

       (n)    respond promptly to all inquiries by a Member as required in the
              PARTICIPATION CRITERIA SCHEDULE, attached hereto and made a part
              hereof;

       (o)    make arrangements for Members to immediately access prescription
              items in urgent situations, including but not limited to
              circumstances such as Pharmacy's shipment of the wrong item,
              damaged items, or items that are shipped but not received; and
              contact mail order specialty vendors designated by Company in
              those situations when Pharmacy is unable to fill a Member's
              prescription and arrange for such mail order to fill such
              prescription within 24 hours.

1.5    Generic Drugs. Pharmacy agrees to fill each Member's prescription with
       the appropriate Generic Drug as permitted by law unless the provider
       ordering the prescription specifies otherwise. Pursuant to Members'
       agreements with Company, Members have authorized the substitution of
       Generic Drugs for Brand Name Drugs where permitted by state law.

1.6    Performance Guarantees. Pharmacy agrees to comply with the performance
       guarantees that are listed in the PARTICIPATION CRITERIA SCHEDULE.
       Failure of Pharmacy to comply with such performance guarantees shall
       result in financial penalties as described in such schedule. Pharmacy
       shall allow Company to audit Pharmacy's compliance with such performance
       guarantees upon reasonable notice. Pharmacy shall allow Company to access
       original prescriptions in order to audit compliance.

2.0    REPRESENTATION

2.1    Pharmacy Representation. Pharmacy represents that (a) Pharmacy has and
       shall maintain throughout the term of this Agreement all appropriate
       license(s), registrations and certification(s) mandated by governmental
       regulatory agencies, including without limitation DEA certification and
       an unrestricted license to perform its duties in the state(s) in which
       Pharmacy provides Covered Services to Members; (b) Pharmacy shall comply
       with all applicable federal and state laws related to this Agreement and
       the services to be provided hereunder, including but not limited to
       statutes and regulations related to fraud, abuse, discrimination,
       disabilities, confidentiality, self-referral, false claims and
       prohibition of kickbacks; (c) Pharmacy has and shall maintain throughout
       the term of this Agreement professional liability and comprehensive
       liability insurance in at least the minimum amounts required by the
       PARTICIPATION CRITERIA; and (d) executing and performing Pharmacy's
       obligations under this Agreement shall not cause Pharmacy to violate any
       term or covenant of any other arrangement now existing or hereafter
       executed.

<PAGE>

2.2    Qualified Personnel. Pharmacy also represents that it has established an
       ongoing quality assurance/assessment program which shall include, but not
       be limited to, credentialing of employees. Pharmacy shall supply to
       Company the relevant documentation, including but not limited to internal
       quality assessment protocols, state licenses and certifications, and
       federal agency certifications and/or registrations upon request. Company
       may audit compliance with this section upon prior notice. Pharmacy
       further represents that all personnel employed by, associated or
       contracted with Pharmacy (a) be licensed or certified and supervised
       (when and as required by state law), and qualified by education, training
       and experience to perform their professional duties, and (b) act within
       the scope of their licensure or certification, as the case may be.
       Company may audit Pharmacy's compliance with this section upon prior
       notice.

3.0    PHARMACY COMPENSATION

3.1    Payment. Company shall, or when it is not the applicable Payor shall
       notify each Payor to, pay Pharmacy for Covered Services rendered to
       Members in accordance with the COMPENSATION SCHEDULE, attached hereto and
       made a part hereof, which may be modified from time to time by Company.
       Payments to Pharmacy for Covered Services shall be made within thirty
       (30) days, or as required by law of acceptance of the pharmacy claim via
       the on-line adjudication system. Payments to Pharmacy for Covered
       Services shall be made within sixty (60) days, or as required by law, of
       receipt of a complete, uncontested billing in the proper format submitted
       to the designated claim processing center(s). Notwithstanding the
       foregoing, Company shall, or when not the applicable Payor shall notify
       Payors to pay for only those Covered Services for which the requirements
       of section 4.1 and 4.2 were met. Company, on its behalf and on behalf of
       Payors, reserves the right to perform utilization review (including
       retrospective review) and to adjust or deny payment for medically
       inappropriate services, admissions, or lengths of stay. Payments for
       non-capitated Covered Services are subject to any and all valid and
       applicable laws related to claims payment. Company reserves the right to
       rebundle to primary procedure those services determined by Company to be
       part of, incidental to, or inclusive of the primary procedure. Pharmacy
       shall notify Company of any overpayments or payments made in error within
       ten (10) business days of becoming aware of such overpayments or
       erroneous payments, and shall return or arrange the return of any such
       overpayments or payments made in error to Company, or to the Payor or
       Member, as applicable.

3.2    Billing of Members. Under certain Plans, Members may be required to pay
       Copayments, Coinsurance or Deductibles for certain Covered Services.
       Pharmacy shall collect any applicable Copayments, Coinsurance and
       Deductibles from Members. Copayments shall be collected at the time that
       Covered Services are rendered. Except for applicable Copayments,
       Coinsurance and Deductibles, Pharmacy may bill Members only in the
       circumstances described below.

<PAGE>

       3.2.1  If the applicable Payor is not an HMO, Pharmacy may bill a Member
              for Covered Services provided to the Member in the event that the
              Payor becomes insolvent or otherwise breaches the terms and
              conditions of its agreement to pay, provided that (A) Pharmacy
              shall have first exhausted all reasonable efforts to obtain
              payment from the Payor, and (B) Pharmacy shall not institute or
              maintain any collection activities or proceed with any action at
              law or in equity against a Member to collect any sums that are
              owed by a Payor to Pharmacy unless Pharmacy provides at least
              thirty (30) days prior notice to Company of Pharmacy's intent to
              institute such an action.

       3.2.2  Services that are not Covered Services may be billed to Members by
              Pharmacy only if (A) the Members' Plan provides and/or Company
              confirms that the services are not covered; (B) the Member was
              advised in writing prior to the services being rendered that the
              specific services are not Covered Services, and (c) the Member
              agreed in writing to pay for such services.

       Nothing in this section is intended to prohibit or restrict Pharmacy from
       billing individuals who were not Members at the time that services were
       rendered.

3.3    Company's Obligation to Pay. Company shall have no obligation to pay
       Pharmacy for Covered Services in the event that a Payor or Member fails
       to pay Pharmacy, except where Company is the underwriter of the
       applicable Plan.

3.4    On-Line Edits. Pharmacy will allow all edits originating with Company's
       claims processor to reach individual pharmacies. Pharmacy agrees that it
       and all individual pharmacies shall respond appropriately to: (i) on-line
       responses which indicate to Pharmacy that the drug in question may
       adversely affect the Member's medical status; and (ii) edits regarding
       utilization review programs.

3.5    Claims Submission. In order to be compensated hereunder for Covered
       Services, Pharmacy agrees to submit itemized, accurate and complete
       claims for Covered Services on behalf of Members utilizing the most
       current version of the National Council for Prescription Drug Program
       Telecommunication Standard ("NCPDP Standard") as the on-line claims
       adjudication system (and shall upgrade to subsequent versions within six
       (6) months of introduction of such NCPDP Standard) or a mutually
       acceptable alternative in the event of on-line processing failure, to
       Company's designated claims processor or at the time of service to the
       Member. Pharmacy shall be able to accept on-line adjudication edits
       according to the most current version of the NCPDP Standard. Pharmacy
       agrees to submit claims in the amount as defined in the Compensation
       Schedule. In no event shall the amount submitted be more than the rate
       contained in the Compensation Schedule. HCFA 1500 transmitted claims or

<PAGE>

       paper submissions will be accepted for claims requiring an alternative
       submission process. Universal Claim Forms and Tape Billing will not be
       accepted for payment considerations. All claims submitted to Company or
       its designated claims processor which assert claims against Company more
       than sixty (60) days from the date the Covered Service was rendered will
       not be paid. Pharmacy shall be responsible for payment of any electronic
       transmittal fees that are incurred by the transmission of information to
       and from Pharmacy (and individual pharmacies, where applicable) and
       Company or its designated claims processor. Pharmacy shall not be
       responsible for payment of claims processing fees to Company's claims
       processor for the adjudication of claims by Company's claims processor.

3.6    Holding Members Harmless. If the applicable Payor is an HMO, Pharmacy
       hereby agrees that in no event, including but not limited to non-payment
       by the HMO, insolvency of the HMO or breach of this Agreement, shall
       Pharmacy bill, charge, collect a deposit from, seek remuneration or
       reimbursement from, or have any recourse against a Member or persons
       (other than the HMO) acting on a Member's behalf for Covered Services.
       This provision shall not prohibit collection of Deductibles, Coinsurance,
       or Copayments from Members in accordance with the terms of the Member's
       Plan.

       Pharmacy further agrees that (a) this provision shall survive termination
       of this Agreement regardless of the cause giving rise to termination and
       shall be construed for the benefit of Members, and (b) this provision
       supersedes any oral or written agreement to the contrary now existing or
       hereafter entered into between Pharmacy and a Member or persons acting on
       a Member's behalf.

3.7    Pharmaceutical Manufacturer Volume Discounts. Pharmacy acknowledges that
       Company has agreements with pharmaceutical manufacturers for the payment
       of manufacturer volume discounts to Company. Pharmacy shall take no
       action which would deny, diminish, usurp, jeopardize, or interfere with
       Company's entitlement or pharmaceutical manufacturers payment to Company
       of any manufacturer volume discounts owed to Company under an agreement
       with a pharmaceutical manufacturer.

3.8    Coordination of Benefits. When a Payor is the primary payor under
       applicable coordination of benefit principles, the Payor shall pay in
       accordance with this Agreement, and when a Payor is secondary under said
       principles, Payor's payment shall be limited as specified in the
       applicable Plan. If the Plan fails to specify coordination of benefits
       requirements, and unless prohibited by applicable law, Payor's payment
       shall be limited to the amount which, together with the amount remitted
       by the primary payor following all reasonable efforts by Pharmacy to
       collect same, equals the compensation due to Pharmacy under this
       Agreement, or if the primary payor fails to pay, Payor's payment shall be
       in accordance with this Agreement. In no event shall amounts billed and
       retained under coordination of benefits for Covered Services exceed
       Pharmacy's contracted rate for such services.

<PAGE>

4.0    COMPLIANCE WITH COMPANY RULES, POLICIES AND PROCEDURES

4.1    Compliance and Participation. Pharmacy shall comply fully with and be
       bound by the Participation Criteria described in the PARTICIPATION
       CRITERIA SCHEDULE (attached hereto and made a part hereof), the Provider
       Policies and Services Manual, and shall also abide by the rules, policies
       and procedures that Company has and will establish, including but not
       limited to, those regarding (a) quality improvement/management; (b)
       utilization management; (c) claims payment review; (d) Member grievances;
       (e) provider credentialing; and (f) electronic submission of encounter
       data, claims and other data required by Company. In addition to the
       aforementioned, Pharmacy agrees to comply with precertification and other
       requirements which are applicable to the dispensing of certain drugs.
       Such requirements may include, but are not limited to, forwarding
       physician supplied documentation to Company for review and approval,
       follow up with physician, and return of prescriptions to Members with
       appropriate explanation when certification for dispensing is denied by
       Company. Pharmacy shall not return unfilled any prescription to a Member
       unless Pharmacy provides a written explanation to Member the reason for
       the return of the prescription. If Pharmacy receives an on-line response
       that a prescription cannot be filled for reasons other than the drug is
       not covered, Pharmacy shall contact either the Member or the prescribing
       physician optometrist, physician assistant or dentist. Pharmacy
       acknowledges and agrees that failure to comply with the terms of the
       PARTICIPATION CRITERIA and Company's other rules, policies and procedures
       may adversely affect any compensation due hereunder and could lead to
       sanctions including, without limitation, termination of this Agreement.
       Company may at any time modify the Participation Criteria and all Company
       rules, policies and procedures.

4.2    Utilization Review. Company utilizes systems of utilization
       review/quality improvement/peer review consistent with any applicable
       federal and state laws to promote adherence to accepted standards for the
       provision of Covered Services and to encourage Participating Providers to
       control medical costs consistent with such standards. To this end,
       Pharmacy agrees:

       (a)    To participate, as requested, and to abide by Company's
              utilization review, disease management and quality improvement
              programs and all other related programs (as modified from time to
              time) and decisions with respect to all Members.

       (b)    To comply with Company utilization management requirements for all
              Covered Services.

       (c)    To regularly interact and cooperate with Company's pharmacy
              personnel.

       (d)    To cooperate with Participating Providers who prescribe
              pharmaceuticals to Members.

<PAGE>

       (e)    To abide by all Company credentialing criteria and procedures,
              including but not limited to, site visits and Member profile and
              pharmacy record reviews, and to submit to this process biannually
              or annually when applicable.

4.3    Grievances. Pharmacy agrees to cooperate with and participate in
       Company's applicable grievance procedures, provide Company with the
       information necessary to resolve grievances, and abide by decisions of
       the applicable grievance committees.

4.4    Notices and Reporting. Pharmacy shall (a) notify Company of any
       litigation brought against Pharmacy; (b) notify Company of any actions
       taken or investigations initiated by any government agency involving
       Pharmacy or any health care entity in which Pharmacy holds more than a
       five percent (5%) interest; (c) notify Company of any ownership interest
       or position with another health maintenance organization or other managed
       care organization or health plan; and (d) comply with any Company
       requirements regarding reporting to Company within ten (10) days any loss
       of licensure or accreditation, and claims by governmental agencies or
       individuals regarding fraud, abuse, self-referral, false claims, or
       kickbacks. All notices required by this section shall be provided to
       Company within ten (10) business days of the date that Pharmacy acquired
       knowledge of the occurrence of an event requiring notice, or earlier if
       otherwise required by this Agreement. Upon Company's request, Pharmacy
       shall provide all known details of the nature, circumstances and
       disposition of any suits, claims, actions or investigations to Company.

4.5    Proprietary and Confidential Information. Pharmacy agrees that the
       Proprietary Information is the exclusive property of Company or a third
       party Payor and that Pharmacy has no right, title or interest in the
       same. Pharmacy shall keep the Proprietary Information and this Agreement
       strictly confidential and shall not disclose any Proprietary Information
       or the contents of this Agreement to any third party, except to federal,
       state and local governmental authorities having jurisdiction. Pharmacy
       shall not use such materials, and shall at the request of Company return
       such materials and any copies or abstracts thereof, upon termination of
       this Agreement for whatever reason. In the event of a breach or a
       threatened breach of this section by Pharmacy, Company shall have the
       right of specific performance and injunctive relief in addition to any
       and all other remedies and rights at law or in equity, and such rights
       and remedies shall be cumulative.

4.6    Accreditation and Review Activities. Pharmacy shall implement all
       activities reasonably necessary to assist Company to obtain external
       accreditation by the National Committee for Quality Assurance or any
       other similar organization selected by Company including, but not limited
       to, cooperating in the auditing of Members' pharmacy records. Similarly,
       Pharmacy shall fully cooperate with any review of Company or a Plan
       conducted by a state or federal agency with authority over Company and/or
       a Plan, as applicable.

<PAGE>

5.0    INSURANCE

5.1    Pharmacy's Insurance. Pharmacy has and shall maintain throughout the term
       of this Agreement professional liability and comprehensive liability
       insurance in at least the minimum amounts specified in the PARTICIPATION
       CRITERIA SCHEDULE.

6.0    INSPECTION OF RECORDS AND DATA ACCESS.

6.1    Access to Information. Pharmacy agrees that Company shall have access to
       all data and information obtained, created or collected by Pharmacy
       related to Members ("Information"). Such Information shall be jointly
       owned by Pharmacy and Company and Pharmacy shall not enter into any
       contract or arrangement whereby Company or Affiliates do not have
       unlimited free and equal access to the Information in electronic or other
       form or would be required to pay any access, transaction or other fee to
       obtain such Information in electronic, written or other form. Information
       shall not be directly or indirectly provided by Pharmacy to any
       competitor of Company or Company Affiliates. Any and all information and
       data provided to Pharmacy by Company or at Company's direction shall
       remain the sole and exclusive property of Company and shall not be
       disclosed by Pharmacy to any third party.

6.2    Confidentiality of Pharmacy Records. Pharmacy and Company agree that all
       Member pharmacy records shall be treated as confidential so as to comply
       with all state and federal laws regarding, among other things, the
       confidentiality of patient records. According to the terms of Company HMO
       enrollment forms, agreements with Members and applicable law, Company is
       authorized to obtain information from Pharmacy without additional written
       release by Member. Company shall have the right upon request to inspect
       at all reasonable times any accounting, administrative, and pharmacy
       records maintained by Pharmacy pertaining to Company, to Members, and to
       Pharmacy's participation hereunder.

6.3    Provision of Records. Pharmacy agrees to provide Company and federal,
       state and local governmental authorities having jurisdiction, upon
       request, access to all books, records and other papers (including, but
       not limited to, pharmacy and financial records) and information relating
       to this Agreement and to those Covered Services rendered by Pharmacy to
       Members and to maintain such books, records and papers and Information
       for the longer of five (5) years from and after termination of this
       Agreement or the period required by state law. All requested Information
       shall be supplied within fourteen (14) days of the receipt of the
       request, where practicable. This audit right may be extended to Payors
       upon request of Company.

6.4    Pharmacy Records. Pharmacy shall maintain Information in a current,
       detailed, organized and comprehensive manner and in accordance with
       customary pharmacy practice and applicable state and federal laws.
       Pharmacy records shall include, but not be limited to, the Member's name,
       address, telephone number as well as pertinent information regarding the
       pharmaceuticals dispensed, the Member's known allergies and allergic
       reactions to date and a pertinent medical history of Member. Pharmacy
       shall consult the Member's record prior to the dispensing of each
       prescription to the Member. Pharmacy shall make these records available
       to (a) Company for the purpose of assessing quality of care, conducting
       pharmacy evaluations and audits; and (b) applicable state and federal
       authorities and their agents involved in assessing the quality of care or
       investigating Member grievances or complaints.

<PAGE>

6.5    Survival. These data access and records provisions shall survive the
       termination of this Agreement regardless of the cause giving rise to the
       termination.

7.0    TERM AND TERMINATION

7.1    Term and Renewal. This Agreement shall commence on the Effective Date
       and, subject to the termination provisions contained herein, shall
       continue in full force and effect for three (3) years from the effective
       date. Thereafter, this Agreement shall automatically renew on May 1 of
       each calendar year for successive terms of one (1) year each.

7.2    Termination without Cause. This Agreement may be terminated by either
       party at any time without cause upon at least ninety- (90) days prior
       written notice to the other party.

7.3    Termination for Breach. This Agreement may be terminated by either party
       upon at least thirty (30) days prior written notice of such termination
       to the other party upon default or breach by such party of one or more of
       its obligations hereunder, unless such default or breach is cured within
       thirty (30) days of the notice of termination.

7.4    Immediate Termination or Suspension. This Agreement may be immediately
       terminated, or Pharmacy's, and/or individual pharmacy's, participation in
       any or all Plans immediately suspended, by Company at its sole discretion
       at any time due to (a) a suspension, withdrawal, expiration, non-renewal
       or revocation of any state or local license, certificate or other legal
       credential authorizing Pharmacy to operate; (b) a suspension or
       revocation of Pharmacy's DEA number or other right to dispense controlled
       substances; (c) Pharmacy's indictment, arrest or conviction for a felony
       or for any criminal charge related to moral turpitude or the Pharmacy's
       provision of Covered Services; (d) the cancellation, reduction,
       limitation or termination of any insurance required by this Agreement;
       (e) a suspension or debarment from participation in the Medicare or
       Medicaid programs; (f) a filing in bankruptcy, the appointment of a
       receiver, the marshaling of debts or assets, or the proposed settlement
       of outstanding debts under applicable reorganization or insolvency laws
       filed by or against Pharmacy; (g) any false statement or material
       omission in the participation application and/or confidential information
       forms and all other requested information, as determined by Company in
       its sole discretion; (h) Pharmacy's submission of fraudulent claims or
       failure to withdraw claims made for prescriptions which have been filled
       but were never received by the Member for any reason; or (i) Company's
       determination, in its sole discretion, that continuation of this
       Agreement could pose, or is likely to pose, an immediate threat to Member
       health or safety. Pharmacy shall provide immediate notice to Company of
       any of the aforesaid events.

<PAGE>

7.5    Obligations Following Termination. Following the effective date of any
       termination of this Agreement, or any Plan, Pharmacy shall comply with
       the following obligations. This section shall supersede any contrary
       arrangements now existing or hereinafter made and shall survive the
       termination of this Agreement, regardless of the cause of termination.

       7.5.1  Upon Insolvency or Cessation of Operations. If this Agreement
              terminates as a result of insolvency or cessation of operations of
              a Company Affiliate that is an HMO, and as to Members of HMOs that
              become insolvent or cease operations, then in addition to the
              other obligations set forth in this section, Pharmacy shall
              continue to provide Covered Services to all Members for the period
              for which premium has been paid. This section shall be construed
              to be for the benefit of Members. No modification to this section
              shall be effective without the prior written approval of the
              applicable regulatory agencies.

       7.5.2  Obligation to Cooperate. Upon notice of termination of this
              Agreement or of a Plan, Pharmacy shall cooperate fully with
              Company and comply with Company procedures, if any, in the
              transfer of Members to other providers.

8.0    MODIFICATIONS

8.1    Amendments. This Agreement constitutes the entire understanding of the
       parties hereto and no changes, amendments, or alterations shall be
       effective unless signed by both parties, except as expressly provided
       herein. Notwithstanding the foregoing, at Company's discretion, Company
       may amend this Agreement upon written notice to Pharmacy to comply with
       any applicable law or regulation, or any order or directive of any
       governmental agency.

8.2    Plan Participation. Company has and retains the right to designate
       Pharmacy as a Participating Provider or non-participating provider in any
       specific Plan. Company reserves the right to introduce new Plans to its
       membership during the course of this Agreement. Pharmacy agrees that
       Pharmacy will provide Covered Services to Members of such Plans under
       applicable compensation arrangements determined by Company. Pharmacy
       shall accept compensation in accordance with this Agreement for the
       provision of any Covered Services to Members under a Plan, regardless of
       whether or not Pharmacy is a Participating Provider in such Plan. Company
       has or intends to seek a contract to serve Medicare and/or Medicaid
       beneficiaries. Such beneficiaries shall be considered as Members.
       Pharmacy shall be bound by all requirements applicable to such contract
       and all rules and regulations of the Medicare and Medicaid programs.

<PAGE>

9.0    RELATIONSHIP OF THE PARTIES

9.1    Independent Contractor Status. The relationship between Company and
       Pharmacy and their respective employees and agents is that of independent
       contractors, and none shall be considered an agent or representative of
       the other for any purpose, nor shall any party or its agents or employees
       hold themselves out to be an agent or representative of any other party
       for any purpose. Company and Pharmacy will each be liable solely for
       their own activities and those of their agents and employees, and neither
       Company nor Pharmacy will be liable for the activities of the other or
       the agents and employees of the other, including without limitation any
       liabilities, losses, damages, injunctions, suits, actions, fines,
       penalties, claims or demands of any kind or nature by or on behalf of any
       person, party or governmental authority arising out of or in connection
       with (a) any failure to perform any of the agreements, terms, covenants
       or conditions of this Agreement; (b) any negligent act or omission or
       other misconduct; (c) the failure to comply with any applicable laws,
       rules or regulations; and (d) any accident, injury or damage. Pharmacy
       acknowledges that all Member care and related decisions are the sole
       responsibility of Pharmacy and that Company's procedures, protocols and
       policies do not dictate or control Pharmacy's clinical decisions with
       respect to the care of Members. Pharmacy agrees to indemnify and hold
       harmless Company from any and all claims, liabilities and causes of
       action, including costs and counsel fees, arising out of Pharmacy's care
       of Members. This provision does not re quire Pharmacy to indemnify or
       hold harmless Company (including costs and counsel fees) for the acts or
       conduct of Company giving rise to liability and shall survive the
       termination of this Agreement, regardless of the reason for termination.

9.2    Use of Name. Pharmacy shall not use Company names, logos, trademarks or
       service marks in marketing materials or otherwise except as provided in
       this Agreement, without prior written consent. Pharmacy consents to the
       use of Pharmacy's name and other identifying and descriptive material in
       provider directories and in other materials and marketing literature of
       Company. If requested by Company, Pharmacy shall identify itself to the
       public as a Participating Provider.

9.3    Interference with Contractual Relations. Pharmacy shall not (a) counsel
       or advise, directly or indirectly, Payors, Sponsors or other entities who
       are currently under contract with Company or any Affiliate to cancel,
       modify, or not renew said contracts, (b) impede or otherwise interfere
       with negotiations which Company or an Affiliate is conducting for the
       provision of health insurance or Plans, or (c) use or disclose to any
       third party membership lists acquired during the term of this Agreement
       directly or indirectly for the purpose of soliciting individuals who were
       or are Members or otherwise to compete with Company or any Affiliate.
       This section shall survive the termination of this Agreement. In the
       event of a breach or a threatened breach of this section by Pharmacy,
       Company shall have the right of specific performance and injunctive
       relief in addition to any and all other remedies and rights at law or in
       equity, and such rights and remedies shall be cumulative.

<PAGE>

9.4    Consideration for this Agreement. Pharmacy agrees that nothing of value,
       other than as set forth in this Agreement, was demanded or exchanged by
       Company in return for participation in the Company pharmacy network or
       signing of this Agreement.

10.0   COMPANY'S OBLIGATIONS AND DISPUTE RESOLUTION

10.1   Company's Obligations. Company or Payors shall provide Pharmacy with a
       means to identify Members and other Participating Providers, an
       explanation of benefits available to Members, administrative
       requirements, a listing of physicians, hospitals and ancillary providers
       in Company's network and timely notification of significant changes in
       this information. Company will enable Pharmacy to check eligibility.
       Company will include Pharmacy in the applicable Provider Directory(s) and
       will make the directory available to Members. Company shall provide a
       dispute resolution mechanism whereby Pharmacy may raise issues regarding
       the obligations of either party under this Agreement. Pharmacy agrees to
       utilize this dispute resolution procedure prior to submitting a complaint
       to any regulatory agency or instituting any legal action.

10.2   Dispute Resolution/Arbitration

       10.2.1   Dispute Resolution. Company shall provide an internal mechanism
                whereby Pharmacy may raise issues, concerns, controversies or
                claims regarding the obligations of the parties under this
                Agreement. Pharmacy shall utilize this internal mechanism prior
                to submitting a complaint to any regulatory agency or
                instituting any arbitration or other permitted legal proceeding.
                Discussions and negotiations held specifically pursuant to this
                Section 10.2.1 shall be treated as compromise and settlement
                negotiations for purposes of applicable rules of evidence.

       10.2.2   Submission of Claim or Controversy to Arbitration. Any
                controversy or claim arising out of or relating to this
                Agreement or the breach, termination, or validity thereof,
                except for temporary, preliminary, or permanent injunctive
                relief or any other form of equitable relief, shall be settled
                by binding arbitration administered by the American Arbitration
                Association ("AAA") and conducted by a sole Arbitrator
                ("Arbitrator") in accordance with the AAA's Commercial
                Arbitration Rules ("Rules"). A stenographic record shall be made
                of all testimony in any arbitration in which any disclosed claim
                or counterclaim exceeds $250,000. The arbitration shall be
                governed by the Federal Arbitration Act, 9 U.S.C. ss.ss. 1-16,
                to the exclusion of state laws inconsistent therewith or that
                would produce a different result, and judgment on the award
                rendered by the Arbitrator (the "Award") may be entered by any
                court having jurisdiction thereof. An Award for $250,000 or more
                shall be accompanied by a short statement of the reasoning on
                which the Award rests.

<PAGE>

       10.2.3   Appeal of Arbitration Award. Within thirty (30) days of receipt
                of an Award of $250,000 or more (which shall not be binding if
                an appeal is taken), a party may notify the AAA of its intention
                to appeal the Award to a second Arbitrator (the "Appeal
                Arbitrator"), designated in the same manner as the Arbitrator
                except that the Appeal Arbitrator must have at least twenty (20)
                years' experience in the active practice of law or as a judge.
                The Appeal Arbitrator shall not take new testimony or other
                evidence and shall not modify or replace the Award except for
                clear error of law. The Award, as confirmed, modified or
                replaced by the Appeal Arbitrator, shall be final and binding,
                and judgment thereon may be entered by any court having
                jurisdiction thereof.

       10.2.4   Confidentiality. Except as may be required by law or to the
                extent necessary in connection with a judicial challenge,
                permitted appeal, or enforcement of an Award, neither a party
                nor an arbitrator may disclose the existence, content, record,
                status or results of a negotiation or arbitration. Any
                information, document, or record (in whatever form preserved)
                referring to, discussing, or otherwise related to a negotiation
                or arbitration, or reflecting the existence, content, record,
                status, or results of a negotiation ("Negotiation Record") or
                arbitration ("Arbitration Record"), is confidential and each
                party to this Agreement shall (i) protect Negotiation and
                Arbitration Records from unauthorized use or disclosure with at
                least the same degree of care it uses to protect its own
                confidential information of a similar nature; (ii) use
                Negotiation and Arbitration Records only for the purpose(s)
                expressly set forth in, and in accordance with, the terms of
                this Agreement; (iii) not disclose or otherwise permit any third
                person or entity access to Negotiation or Arbitration Records
                except with the other party's prior written consent; and (iv)
                take any and all other steps necessary to safeguard Negotiation
                and Arbitration Records against disclosure to third parties. The
                arbitration hearing shall be closed to any person or entity
                other than the arbitrator, the parties, witnesses during their
                testimony, and attorneys of record. Upon the request of a party,
                an arbitrator may take such actions as are necessary to enforce
                this Section 10.2.4, including the imposition of sanctions.

       10.2.5   Pre-hearing Procedure for Arbitration. The parties will
                cooperate in good faith in the voluntary, prompt and informal
                exchange of all documents and information (that are neither
                privileged nor proprietary) relevant to the dispute or claim,
                all documents in their possession or control on which they rely
                in support of their positions or which they intend to introduce
                as exhibits at the hearing, the identities of all individuals
                with knowledge about the dispute or claim and a brief
                description of such knowledge, and the identities,
                qualifications and anticipated testimony of all experts who may
                be called upon to testify or whose report may be introduced at
                the hearing. The parties and Arbitrator will make every effort
                to conclude the document and information exchange process within
                sixty (60) calendar days after all pleadings or notices of
                claims have been received. At the request of a party in any
                arbitration in which any disclosed claim or counterclaim exceeds
                $250,000, the Arbitrator may also order pre-hearing discovery by
                deposition upon good cause shown. Such depositions shall be
                limited to a maximum of three (3) per party and shall be limited
                to a maximum of six- (6) hours' duration each. As they become
                aware of new documents or information (including experts who may
                be called upon to testify), all parties remain under a

<PAGE>

                continuing obligation to provide relevant, non-privileged
                documents, to supplement their identification of witnesses and
                experts, and to honor any understandings between the parties
                regarding documents or information to be exchanged. Documents
                that have not been previously exchanged, or witnesses and
                experts not previously identified, will not be considered by the
                Arbitrator at the hearing. Fourteen (14) calendar days before
                the hearing, the parties will exchange and provide to the
                Arbitrator (a) a list of witnesses they intend to call
                (including any experts) with a short description of the
                anticipated direct testimony of each witness and an estimate of
                the length thereof, and (b) premarked copies of all exhibits
                they intend to use at the hearing.

       10.2.6   Arbitration Award. The arbitrator may award only monetary relief
                and is not empowered to award damages other than compensatory
                damages and, in the arbitrator's discretion, pre-award interest.
                The Award shall be in satisfaction of all claims by all parties.
                Arbitrator fees and expenses shall be borne equally by the
                parties. Postponement and cancellation fees and expenses shall
                be borne by the party causing the postponement or cancellation.
                Fees and expenses incurred by a party in successfully enforcing
                an Award shall be borne by the other party. Except as otherwise
                provided in this Agreement, each party shall bear all other fees
                and expenses it incurs, including all filing, witness, expert
                witness, transcript, and attorneys' fees.

11.0   MISCELLANEOUS

11.1   Waiver. The waiver by either party of a breach or violation of any
       provision of this Agreement shall not operate as or be construed to be a
       waiver of any subsequent breach thereof. To be effective, all waivers
       must be in writing and signed by the party to be charged.

11.2   Governing Law. This Agreement shall be governed in all respects by the
       laws of the Commonwealth of Pennsylvania. Pharmacy agrees that any action
       brought under this Agreement shall be solely and exclusively brought in
       the courts of the Commonwealth of Pennsylvania, Montgomery County, it
       being acknowledged that Company is a Pennsylvania corporation which
       maintains its headquarters in said county and that this Agreement will be
       executed by Company in said county. Pharmacy irrevocably consents to the
       personal jurisdiction of the courts of the Commonwealth of Pennsylvania.

11.3   Liability. Notwithstanding section 11.2, Company's liability, if any, for
       damages to Pharmacy for any cause whatsoever arising out of or related to
       this Agreement, and regardless of the form of the action, shall be
       limited to Pharmacy's actual damages which shall not exceed the amounts
       actually paid to Pharmacy by Company under this Agreement during the
       twelve (12) month period immediately prior to the date the cause of
       action arose. Company shall not be liable for any indirect, incidental,
       punitive, exemplary, special or consequential damages of any kind
       whatsoever sustained as a result of a breach of this Agreement or any
       action, inaction, alleged tortious conduct, or delay by Company.

<PAGE>

11.4   Statute of Limitations. Notwithstanding section 11.2, no action,
       regardless of form, arising out of or related to this Agreement may be
       brought by any party more than twelve (12) months after such cause of
       action has arisen.

11.5   Severability. Any determination that any provision of this Agreement or
       any application thereof is invalid, illegal or unenforceable in any
       respect in any instance shall not affect the validity, legality and
       enforceability of such provision in any other instance, or the validity,
       legality, or enforceability of any other provision of this Agreement.

11.6   Inconsistencies. If any term or provision of this Agreement is
       inconsistent with a term or provision of a non-insured Plan, then as to
       individuals entitled to receive Covered Services through said Plan, the
       term or provision of the Plan shall prevail.

11.7   Assignment. This Agreement shall not be assignable or transferable, in
       whole or in part, by Pharmacy, including, without limitation, by (a) sale
       or transfer of (i) capital stock or comparable equity interests, or (ii)
       controlling voting interests, (b) operation of law in connection with a
       merger or (c) sale of all or substantially all of the assets of Pharmacy,
       without the prior written consent of Company, its successors or assigns.
       Any assignment, whether in compliance with the foregoing or otherwise,
       shall be binding upon and for the benefit of the parties hereto and their
       successors and assigns.

11.8   Affirmative Action. Company is an Equal Opportunity Employer which
       maintains an Affirmative Action Program. To the extent applicable to
       Pharmacy, Pharmacy agrees to comply with the following, as amended from
       time to time: Executive Order 11246, the Vietnam Era Veterans
       Readjustment Act of 1974, the Drug Free Workplace Act of 1988, Section
       503 of the Rehabilitation Act of 1973, any similar legislation regarding
       transactions relating to any Company or an Affiliate's government
       contract, and any rules and regulations promulgated under such laws.

11.9   Headings. The headings contained in this Agreement are included for
       purposes of convenience only, and shall not affect in any way the meaning
       or interpretation of any of the terms or provisions of this Agreement.

11.10  Notices. Any notice required to be given pursuant to the terms and
       provisions hereof shall be effective only if given in writing and sent by
       overnight delivery service with proof of receipt, or by certified mail
       return receipt requested. Notices shall be sent to the following
       addresses (which may be changed by giving notice in conformity with this
       Section):

<PAGE>

         To Pharmacy at:

         Chronimed, Inc.
         Attn: Henry Blissenbach
         10900 Red Circle Drive
         Minnetonka, MN 55343

         and to Company at:

         Aetna U.S. Healthcare
         Pharmacy Management
         2859 Paces Ferry Road, Suite 330
         Atlanta, GA 30339

11.11  Non-Exclusivity. This Agreement is not exclusive, and nothing herein
       shall preclude either party from contracting with any other person or
       entity for any purpose.

11.12  Entire Agreement. This Agreement (including any attached schedules)
       constitutes the complete and sole contract between the parties and
       supersedes any and all prior or contemporaneous oral or written
       communications or proposals not expressly included herein.

11.13  Regulatory Requirements. Upon written request from Company, Pharmacy
       agrees to re-execute this Agreement in its current form in the name of
       the Company HMO, and to accept any amendment hereto as may be required by
       regulatory authorities.

11.14  Construction. Each party acknowledges that it has had the opportunity to
       be represented by counsel of its choice with respect to this Agreement.
       In view of the foregoing and notwithstanding any otherwise applicable
       principles of construction or interpretation, this Agreement shall be
       deemed to have been drafted jointly by the parties and, in the event of
       any ambiguity, shall not be construed or interpreted against the drafting
       party.

11.15  Disclaimer of Representations and Warranties. Company makes no
       representation, warranty or guarantee, including, without limitation, any
       representation, warranty or guarantee as to any volume of business, the
       volume or type of Covered Services to be provided by Pharmacy pursuant to
       this Agreement, the number of Providers who may prescribe products
       dispensed by Pharmacy, or the number of Members who may utilize Pharmacy.

<PAGE>

12.0   DEFINITIONS

When used in this Agreement, all capitalized terms shall have the following
meanings:

12.1   Affiliate. An Affiliate, with respect to Company, means any corporation,
       partnership or other legal entity (including any Plan) directly or
       indirectly owned or controlled by, or which owns or controls, or which is
       under common ownership or control with, Company.

12.2   Average Wholesale Price. The current average wholesale price of a
       prescription drug listed in the Medi-Span weekly price updates (or any
       other similar publication designated by Company) on the day that Pharmacy
       submits a claim for adjudication.

12.3   Brand Name Drug. A prescription drug with a proprietary name assigned to
       it by the manufacturer or distributor and so indicated by Medi-Span or
       any other similar publication designated by Company. Brand Name Drug does
       not include those drugs classified as Generic Drugs pursuant to Section
       12.8.

12.4   Coinsurance. The portion of the usual, customary and reasonable fee for
       the Covered Services that the Member is required to pay after application
       of any applicable Copayments or Deductibles.

12.5   Copayment. A charge required under a Plan that must be paid by a Member
       at the time of the provision of Covered Services.

12.6   Covered Services. Those Medically Necessary Services which a Member is
       entitled to receive under the terms and conditions of a Plan.

12.7   Deductible. An amount that a Member must pay for Covered Services per
       specified period in accordance with the Member's Plan before benefits
       will be paid.

12.8   Emergency Services. Those services necessary to treat a medical condition
       manifesting itself by acute symptoms of sufficient severity (including
       severe pain) such that a prudent layperson, who possesses an average
       knowledge of health and medicine, could reasonably expect the absence of
       immediate medical attention to result in: (a) placing the health of
       individual (or, with respect to a pregnant woman, the health of the woman
       and her unborn child) in serious jeopardy; (b) serious impairment to
       bodily functions; or (c) serious dysfunction of any bodily organ or part;
       or such broader definition required by applicable law.

12.9   Generic Drug. A prescription drug, whether identified by its chemical,
       proprietary, or non-proprietary name, that is accepted by the U.S. Food
       and Drug Administration as therapeutically equivalent and interchangeable
       with drugs having an identical amount of the same active ingredient.

<PAGE>

12.10  Internet Pharmacy Services. Pharmacy services and products provided,
       serviced or administered, directly or indirectly, by any provider,
       including but not limited to any pharmacy provider providing or servicing
       customers or providers, through the internet, the World Wide Web, or any
       other similar electronic medium. Internet Pharmacy Services shall include
       all prescriptions (whether the original fill or a refill) submitted to a
       provider, directly or indirectly, via the internet, the World Wide Web,
       or any other similar electronic medium.

12.11  Medically Necessary Services. Unless otherwise defined in an applicable
       Plan or by applicable law, health care services that are appropriate and
       consistent with the diagnosis in accordance with accepted medical
       standards and which are likely to result in demonstrable medical benefit,
       and which are the least costly of alternative supplies or levels of
       service which can be safely and effectively provided to the patient.
       Medically Necessary Services do not include custodial or supportive care
       or rest cures, or services or supplies provided for the convenience of
       the patient, the patient's family, or the provider. When used in relation
       to hospital inpatient care, Medically Necessary Services only include
       those services and supplies that cannot be safely and satisfactorily
       provided at home, in a physician's office, as an outpatient service, or
       in any lesser facility. Medically Necessary Services must be related to
       diagnosis or treatment of an existing illness or injury, except for
       preventive and well baby care. Health services are not Medically
       Necessary Services if they are experimental services. Medical necessity,
       when used in relation to services, shall have the same meaning as
       Medically Necessary Services.

12.12  Member. An individual covered by or enrolled in a Plan.

12.13  Participating Provider. Any pharmacy, physician, hospital, skilled
       nursing facility, or other individual or entity involved in the delivery
       of health care or ancillary services who or which has entered into and
       continues to have a current valid contract with Company to provide
       Covered Services to Members, and has been credentialed by Company or its
       designee consistent with Company's credentialing policies.

12.14  Payor. An employer, insurer, health maintenance organization, labor
       union, organization or other person or entity which has agreed to be
       responsible for funding benefit payments for Covered Services provided to
       Members under the terms of a Plan.

12.15  Plan. Any health benefit product, plan or program issued, administered,
       or serviced by Company or one of its Affiliates, including but not
       limited to HMO, preferred provider organization, indemnity, Medicaid,
       Medicare and Worker's Compensation.

12.16  Proprietary Information. The information developed by or belonging to
       Company or any third party Payor including, but not limited to, mailing
       lists, patient lists, employer lists, Company rates and procedures,
       product relation information and structure, utilization review
       procedures, formats and structure and related information and documents
       concerning Company's systems and operations of its Plans.

<PAGE>

12.17  Sponsor. An entity that has contracted with Company to issue, administer,
       or service a Plan. Sponsors shall include without limitation employer
       groups sponsoring or offering a self-insured Plan to their employees.

IN WITNESS WHEREOF, the undersigned parties have executed this Agreement,
intending to be bound thereby.

PHARMACY                                      COMPANY

By: /s/ Henry F. Blissenbach                  By: /s/ Kevin P. O'Donnell
    ------------------------                      ----------------------

Printed Name: Henry F. Blissenbach            Printed Name: Kevin P. O'Donnell
              --------------------                          ------------------

Title: President                              Title: Vice President of Aetna
       ---------                                     -----------------------

Date: May 15, 2000                            Date: May, 17, 2000
      ------------                                  -------------

License No. _________________________________

National Association of Boards of Pharmacy
NABP No. :_________________________

<PAGE>

PROVIDER:

SERVICES:

A.     Pharmacy agrees to provide the Covered Services to Members, subject to
       the conditions set forth in the Specialty Pharmacy Mail Service Vendor
       Agreement:

       1.     Filling of prescriptions for prescription biologicals, drugs, and
              medications. The supply and number of refills for each
              prescription will be as allowed by the Member's Plan and
              applicable federal and state laws and regulations.

       2.     Pharmacy shall dispense XXXX, as provided from time to time by
              Company.

B.     Unless the Member's Plan provides otherwise, the following are not
       covered benefits, and neither Company nor Payor will make payment to
       Pharmacy therefor. Confirmation of whether a service is covered or not in
       accordance with a Member's Plan is made to Pharmacy on-line upon
       submission by Pharmacy of prescription data.

       1.     XXXX;

       2.     XXXX;

       3.     XXXX;

       4.     XXXX;

       5.     XXXX;

       6.     XXXX;

       7.     XXXX;

       8.     XXXX;

       9.     XXXX; and

       10.    XXXX.

<PAGE>

COMPENSATION:

       A.     Subject to the terms of this Agreement and the terms of the
              applicable Plan, Pharmacy shall accept reimbursement for Covered
              Services ("Reimbursement Rate") in accordance with the following:

                     The Reimbursement Rate for each prescription drug dispensed
              shall be equal to the lesser of:
              (i)    XXXX ; or

              For Brand Name and Generic Drugs XXXX:
              (i)    XXXX, or
              (ii)   XXXX.

       B.     Compensation: Payor

              The compensation per claim payable by Payor to Pharmacy, subject
              to the terms of this Agreement and the applicable Plan, shall be
              equal to:

              (i)    XXXX
              (ii)   XXXX.
              (iii)  XXXX.

       C.     Compensation: Member

              (i)    Pharmacy acknowledges that the Copayment/Co-insurance is an
                     integral part of the Health Benefit Plan selected by the
                     Payor and agrees that it will not waive or discount the
                     applicable Copayment/Co-insurance under any circumstance.
                     Pharmacy will not bill Members for amounts in excess of the
                     Deductible, Copayments, and/or Co-insurance provided for in
                     Member's Plan.

              (ii)   In cases where the Reimbursement Rate is less than the
                     Copayment, Pharmacy agrees to charge the Member the
                     Reimbursement Rate. There shall be no additional
                     compensation from Payor in such cases.

DEFINITIONS:

       D.     Maximum Allowable Cost (MAC). The compensation level established
              by Company for Generic Drugs for which there are more than one
              manufacturer ("Multi-Source"), as modified from time to time.

       E.     Maximum Allowable Cost List (MAC List). The list of Generic Drugs
              for which reimbursement to Pharmacy shall be paid according to
              prices established by Company, as modified from time to time.
              Shipping and Handling Charges. XXXX.

       F.     Ancillary Supplies XXXX.

<PAGE>

                                    EXHIBIT A

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------
                                                 DISPENSING
THERAPEUTIC CATEGORIES              DISCOUNT         FEE           SPECIAL COMMENTS
--------------------------------------------------------------------------------------
<S>                                 <C>          <C>             <C>
 ALL Blood Derivatives               AWP -XX*        XXXX        XXXX
 (Immune Globulins, Factors)
 not defined below
--------------------------------------------------------------------------------------
 ALL Injectable Medications          AWP -XX        XXXX
 not defined below
--------------------------------------------------------------------------------------
 Growth Hormone:
      (i)    XXXX                    AWP -XX        XXXX
      (ii)   XXXX                    AWP -XX        XXXX
--------------------------------------------------------------------------------------
 Non-Injectable Medications;         AWP -XX        XXXX         XXXX
 e.g. Ancillary, Oral,
 Suppositories, Compounds and
 inhalers.
--------------------------------------------------------------------------------------
 Diabetes Care Products              AWP -XX        XXXX         XXXX
--------------------------------------------------------------------------------------

<CAPTION>
--------------------------------------------------------------------------------------
                                                 DISPENSING
SPECIFIC PRODUCT                    DISCOUNT         FEE           SPECIAL COMMENTS
--------------------------------------------------------------------------------------

 XXXX                                AWP -XX        XXXX
--------------------------------------------------------------------------------------
 XXXX                                AWP -XX        XXXX
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</TABLE>

<PAGE>

I.     BUSINESS CRITERIA

       A.     APPLICABILITY

              1.     These criteria shall apply to each Pharmacy applicant for
                     participation and each Pharmacy participating in Plans, and
                     shall be enforced at the sole discretion of Company.

              2.     Each participating Pharmacy must continue to meet the
                     following criteria for the duration of participation in the
                     Plans.

       B.     GENERAL

              1.     For purposes of the following criteria, the terms
                     "Pharmacy" and "Pharmacist" includes each of the pharmacies
                     covered by the terms of the Agreement and each of those
                     pharmacies' respective pharmacists.

              2.     The Pharmacy and each of its Pharmacists must meet all
                     standards set by governmental agencies, including, but not
                     limited to, the State Board of Pharmacy, the Drug Device
                     and Cosmetic Board, the Drug Enforcement Administration,
                     and the Food and Drug Administration.

       C.     PHARMACY STANDARDS

              1.     All areas of the Pharmacy must be clean and reflect a
                     professional image. In particular, the prescription
                     department, including the counter and drug storage area
                     must be clean, uncluttered, washed and/or dusted regularly,
                     well lighted, and generally maintained in such a manner as
                     to allow for maximum efficiency and minimum opportunity for
                     errors.

              2.     The Pharmacy must have a library of current appropriate
                     professional reference materials.

       D.     PHARMACY REQUIREMENTS

              1.     Pharmacy Inventory

                     a.     An adequate inventory of prescription drugs
                            necessary to fill Member's prescriptions in
                            accordance with the applicable Plan must be carried
                            by the Pharmacy.

                     b.     All solutions and reconstitutions of prescription
                            drugs must be made with distilled water, except
                            ophthalmic solutions and other special solutions
                            which shall be prepared with sterile, distilled
                            water or other sterile vehicles.

<PAGE>

              2.     Responsibilities of Pharmacist

                     a.     The Pharmacist on duty shall have full authority to
                            make and implement decisions on all matters
                            requiring professional judgment.

                     b.     The Pharmacist shall provide written information
                            concerning dosage administration, precautions,
                            storage conditions, and other appropriate
                            information when a new prescription medication is
                            dispensed to any Member or such Member's
                            representative. Any intervention performed by a
                            Pharmacist must be noted on the subject Member's
                            patient profile or prescription record.

                     c.     The Pharmacist shall be readily accessible to
                            Members for consultation on a designated toll free
                            number.

                     d.     The ratio of Pharmacists who oversee and approve or
                            disapprove the final dispensing of prescriptions to
                            the number of prescriptions which they oversee and
                            approve or disapprove shall not exceed three hundred
                            (300) prescriptions per day per Pharmacist.

                     e.     Each Pharmacist must participate in and abide by
                            peer review mechanisms adopted by Company.

              3.     Formulary

                     a.     Pharmacy shall support Company's Formulary.

       E.     AVAILABILITY/DELIVERY

              1.     The Pharmacy shall provide customer service coverage
                     twenty-four (24) hours a day, seven (7) days a week with
                     access to representatives able to respond to Member's
                     questions and concerns regarding their prescription drugs.

              2.     The Pharmacy must provide overnight delivery service in
                     emergency situations or when the specific prescription drug
                     requires such overnight delivery.

              3.     The Pharmacy must obtain a signed receipt upon delivery of
                     any controlled substances, skeletal muscle relaxants and
                     anti-viral agents, or as required by applicable law or
                     regulation.

       F.     INSURANCE

              1.     During the entire term of this Agreement, Pharmacy shall
                     maintain insurance at minimum levels required from time to
                     time by Company, but in no event less than: (a)
                     professional liability insurance at a minimum level of one
                     million dollars ($1,000,000) per claim and two million
                     dollars ($2,000,000) in the annual aggregate, except in
                     cases where this level of insurance exceeds that required
                     by applicable state law, in which instance Pharmacy shall
                     maintain the maximum level of professional liability
                     insurance required by law; (b) comprehensive general
                     liability insurance at a minimum level of one million
                     dollars ($1,000,000) per claim and two million dollars
                     ($2,000,000) in the annual aggregate. Pharmacy's insurance
                     shall cover the acts and omissions of Pharmacy as well as
                     Pharmacy's agents and employees. Memorandum copies of such
                     policies shall be delivered to Company upon request.
                     Pharmacy must notify Company at least thirty (30) days in
                     advance of the cancellation, limitation or material change
                     of said policies.

<PAGE>

       G.     COMPENSATION

              1.     The Pharmacy must possess the ability to submit claims by
                     means of the Company electronic claims system, as updated
                     from time to time.

              2.     The applicable Deductible or Copayment amount shall not be
                     waived for each prescription that a Member fills. Pharmacy
                     shall make all reasonable efforts to collect applicable
                     Copayment and Deductible amount.

              3.     The Pharmacy shall not offer premiums or discounts to
                     patients participating in Company Plans.

       H.     PHARMACY RECORDS

              1.     The Pharmacy must utilize complete up-to-date patient
                     medication records for Members. In addition to the
                     patient's name, address, telephone number, and pertinent
                     information regarding the medications dispensed, the Member
                     records shall include information regarding a Member's
                     known allergies and allergic reactions to date and a
                     pertinent medical history of the Member. The Member's
                     medication record must be consulted prior to dispensing any
                     prescribed medication to a Member.

              2.     The Pharmacy must permit appropriate Company
                     representatives and appropriate state and/or federal
                     officials to have access to Members' records, and shall
                     permit the copying of said records to comply with
                     regulatory and quality assessment reviews.

       I.     PHILOSOPHY

              1.     Pharmacy must be supportive of the philosophy and concept
                     of managed care and Company. Pharmacy shall not
                     differentiate or discriminate in the treatment of, or in
                     the access to treatment of, patients on the basis of their
                     status as Members, or other grounds identified in the
                     Agreement.

              2.     Pharmacy shall have the right and is encouraged to discuss
                     with his or her patients pertinent details regarding the
                     diagnosis of the patient's conditions, the nature and
                     purpose of any recommended treatment, the potential risks
                     and benefits of any recommended treatment, and any
                     reasonable alternatives to such recommended treatment.

              3.     Pharmacy's obligations under the Agreement not to disclose
                     Proprietary Information do not apply to any disclosures to
                     a patient determined by Pharmacy to be necessary or
                     appropriate for the care of a patient, except to the extent
                     such disclosure would otherwise violate Pharmacy's legal or
                     ethical obligations.

<PAGE>

              4.     Pharmacy is encouraged to discuss Company's provider
                     reimbursement methodology with Pharmacy's patients who are
                     Members, subject to Pharmacy's general contractual and
                     ethical obligations not to make false or misleading
                     statements. Accordingly, Proprietary Information does not
                     include descriptions of the methodology under which
                     Pharmacy is reimbursed, although such Proprietary
                     Information does include the specific rates paid by Company
                     due to their competitively sensitive nature.

II.    PROFESSIONAL CRITERIA

       A.     CONTINUING EDUCATION

              1.     Each Pharmacist shall continue his/her professional
                     education through participation in continuing education
                     programs.

III.   PROFESSIONAL COMPETENCE AND CONDUCT

       A.     GENERAL

              1.     Each Pharmacist working at the Pharmacy must be of sound
                     moral character and must not have been indicted, arrested,
                     or convicted of criminal charges related to moral turpitude
                     or the practice of pharmacy related services.

              2.     Each Pharmacist working at the Pharmacy must not have
                     engaged in any unprofessional conduct, unacceptable
                     business practices or any other act or omission which may
                     raise concerns about possible future substandard
                     professional performance, competence or conduct.

       B.     NOTIFICATION OF ADVERSE ACTIONS OR LIMITATIONS

              1.     Pharmacy shall provide immediate notice to Company of any
                     adverse action relating to said Pharmacy's license(s)
                     and/or certification(s). "Adverse action" includes, but is
                     not limited to: denial; fine; monitoring; probation;
                     suspension; letter of concern, guidance, censure, or
                     reprimand; expiration without renewal; subject to
                     disciplinary action or other similar action or limitation;
                     restriction, counseling; loss in whole or in part; censure;
                     administrative letter; non-renewal; voluntary or
                     involuntary surrender of licensure or status to avoid, or
                     in anticipation of, any of the adverse actions listed; and
                     initiation of investigations, inquiries or other
                     proceedings that could lead to any of the actions listed.
                     Any such adverse actions may be grounds for action,
                     including without limitation, denial, termination, or other
                     sanctions imposed pursuant to Company's
                     credentialing/quality improvement programs.

IV.    PERFORMANCE ASSESSMENTS

       Please see attached Performance Assessments

These criteria may be modified at the sole discretion of Company.

<PAGE>

                           SPECIALTY PHARMACY NETWORK
                             Performance Assessments

<TABLE>
<CAPTION>
-------------- ---------- --------------- ------------ ---------------- ------------- ------------ ------------ ------------
                                                         Payment for
                                                         Failure to
                                                            meet
                           Performance                   Performance     Frequency                                 Annual
               Review        Standard     Sub-Category    Standard       of Review      Maximum     Category      Category
  Category       Item      Measurement     Weighting     Measurement     and Payout    Per Year     Weighting    $ at Risk
-------------- ---------- --------------- ------------ ---------------- ------------- ------------ ------------ ------------
<S>            <C>        <C>             <C>          <C>              <C>           <C>          <C>          <C>

                                                 [STRICKEN AS CONFIDENTIAL]

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</TABLE>

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