Document:

<PAGE>

                                                                    Exhibit 10.9

                           NETWORK SERVICE AGREEMENT

     This Agreement entered into this 1st day of Oct, 2000 by and between Eye
Care International, Inc. whose principal mailing address is 1511 North Westshore
Boulevard, Suite 925, Tampa, FL 33607 (hereinafter referred to as "ECI") and
Motivano, Inc. whose principal business address is 230 Park Avenue, 10/th/
Floor, New York, NY 10169, (hereinafter referred to as "MOTIVANO").

     WHEREAS, ECI is engaged in, among other things, the development and
administration of an "Eye Care/Eyewear Network," which Network consists of
medical providers and optical outlets (hereinafter referred to as the
"Network"); and

     WHEREAS, MOTIVANO has selected ECI as provider of the discount vision
benefit MOTIVANO would like to offer to its clients and their employees
("Members"), and

     WHEREAS, MOTIVANO desires to enter into a business relationship with ECI
pursuant to which MOTIVANO can include the ECI Vision Plan as privately labeled
(hereinafter called the "Plan") in as many of the products as MOTIVANO deems
feasible and appropriate; and

     WHEREAS, ECI desires to enter into such a relationship with MOTIVANO; and

     NOW THEREFORE, in consideration of the mutual promises and covenants herein
contained, the parties agree as follows:

                                  WITNESSETH

1.   The "WHEREAS" clauses are incorporated herein by reference and made a part
     of this Agreement.

2.   RESPONSIBILITIES OF MOTIVANO

     a)   Market the Plan as MOTIVANO'S exclusive private labeled vision program
          and automatically include the ECI Plan in MOTIVANO'S general Product
          offerings.

     b)   Use its best efforts to arrange for no less than one training session
          of brokers and/or sales agents who are customarily involved in the
          marketing of MOTIVANO programs which training sessions may be
          conducted by a representative of ECI. ECI will be responsible for
          preparing training material for distribution at such session and for
          travel and other expenses of its representatives.

     c)   Submit (or direct its accounts to submit) to ECI a listing on a
          computer floppy disk at least ten (10) days prior to activation; in a
          format mutually agreed upon, identifying those new Members entitled to
          access the Network. Initial payment for each new member shall
          accompany said listing information. No member will be deemed enrolled
          in the Plan until payment is received by ECI.

     d)   Bear all costs for marketing/enrollment materials, and submit for
          ECI's review and approval those representations made to potential
          Members in MOTIVANO'S marketing materials describing the Plan.

     e)   Motivano may include such ECI logo as my be designated by ECI, along
          with ECI's 800 number on all Motivano membership cards.

<PAGE>

3.   RESPONSIBILITIES OF ECI

     a)   ECI shall accept all orders generated by MOTIVANO for membership in
          the Plan.

     b)   Provide MOTIVANO with various pieces of promotional and fulfillment
          material utilized by ECI in the promotion and fulfillment of the Plan.
          During the term of this Agreement, MOTIVANO may, at its own expense,
          reproduce and distribute said material for marketing/sales purposes.
          MOTIVANO agrees that any material used in its marketing efforts that
          may be different than the material supplied by ECI shall first be
          approved by ECI, in writing, prior to dissemination. Motivano shall
          have the right to modify the editorial content of all materials
          submitted to it for inclusion on its website.

     c)   Maintain full customer service responsibilities for purposes of
          responding to all Member inquiries related to the Network, and/or the
          Plan and provide a high level of customer service to Motivano's
          members.

     d)   Maintain a network customer relations toll-free number providing
          access to the Network seven days per week, 24 hours per day in the
          continental United States. In this connection, it is specifically
          agreed that ECI will maintain a "private label" 800-telephone line for
          MOTIVANO at MOTIVANO'S request, provided that MOTIVANO shall have
          obtained not less than 25,000 vision program members. For this option,
          it is further understood that ECI's customer service representatives
          when answering such line will do so in such a manner as may be
          designated by "MOTIVANO Vision Plan".

     e)   Provide MOTIVANO with artwork of ECI's logos, for placement on
          MOTIVANO'S marketing material.

     f)   Use all reasonable efforts to assist MOTIVANO and its brokers in
          marketing the Plan.

4.   PRIVATE LABEL

Private Label shall be deemed to mean any trade name utilized by MOTIVANO for
its sole purposes as opposed to MOTIVANO entering into a third-party transaction
whereby MOTIVANO services a health care program for a customer. For example,
should MOTIVANO enter into a transaction with "Bank A," whereby "Bank A" issued
its "private label" bank health card, which card is, in fact, serviced by
MOTIVANO, via ECI, such a transaction would not be within the definition of
"Private Label" and would thus, not be a permitted transaction, except with the
express prior written permission of ECI. By contrast, if MOTIVANO issued to
"Bank A" a card designed as "Y," which card is 100% owned by MOTIVANO, said
transaction would be deemed to be within the definition of "Private Label" as
used herein. Private Label sales material and membership cards (if any) shall
indicate that the program is "Administered by ECI".

5.   TERM AND TERMINATION

The term of this Agreement shall commence and will continue for an Initial Term
of three (3) years. It will automatically renew after the Initial Term for
consecutive one (1) year renewal periods (Renewal Terms). Either Party may
terminate this Agreement upon ninety (90) days prior written notice to the other
Party. Notwithstanding anything to the contrary provided for herein, should this
Agreement be terminated or expire according to its terms, ECI agrees, at
MOTIVANO'S option, that access to ECI's services will continue for Members
active in a MOTIVANO Program at the termination or expiration date of this
Agreement, with the condition that the associated payments are made to ECI by
MOTIVANO with respect to providing access to ECI services for those active
Members.

<PAGE>

Should MOTIVANO elect to terminate this Agreement for any reason, MOTIVANO will
give written notice thereof to ECI and pay all fees incurred and due to ECI to
the effective date of termination and any and all other fees provided for herein
incurred subsequent thereto, resulting from utilization by existing Members of
ECI services.

6.   CONSIDERATION

     a)   In consideration of ECI's making available to MOTIVANO ECI's network
          and otherwise undertaking the responsibilities set forth herein,
          MOTIVANO will remit to ECI, on a per membership basis, the sum of
          $8.40 per member per year, said sum representing a wholesale private
          label price to MOTIVANO. MOTIVANO shall be free to market the Program
          under its private label at such prices as it chooses.

     b)   Payment for all transactions shall be directed to ECI at its above
          address and be sent along with the necessary membership information on
          computer disk in a format specified by ECI. If MOTIVANO collects the
          annual fee up front, the full annual fee due ECI shall be submitted at
          the same time as membership enrollments are submitted to ECI. If
          MOTIVANO collects the enrollment fee on a monthly basis, then the
          initial $.70 monthly fee shall be paid to ECI at the same time as
          membership enrollments are submitted to ECI. Subsequent $.70 monthly
          payments shall be paid by MOTIVANO to ECI by the 10/th/ of each month.
          No Member will be deemed enrolled in the ECI Plan until the initial
          payment is received by ECI.

7.   CONFIDENTIALITY

The parties hereto have executed a Confidentiality Agreement which is annexed
hereto as Exhibit A.

8.   LICENSES

ECI grants Motivano a revocable, non-exclusive, non-transferable, worldwide,
royalty-free license to use and reproduce any marks provided to it for inclusion
on its website. In addition, ECI grants Motivano a revocable non-exclusive
worldwide, royalty-free license to use and reproduce its marks for the purposes
of advertising and promoting the Plan to Members and potential Members on its
website, in its quarterly magazine, in its corporate newsletter and in other
marketing or promotional materials directed to potential Members.

9.   REPRESENTATIONS AND WARRANTIES

     a)   ECI represents and warrants to Motivano that (i) ECI has the full
          corporate right, power and authority to enter into this Agreement, to
          offer the Plan to Members, to grant the licenses granted hereunder and
          to perform the acts required of it hereunder; (ii) ECI's execution of
          this Agreement and the performance by ECI of its obligations and
          duties hereunder do not violate any applicable laws and regulations or
          any agreement to which ECI is a party or by which it is otherwise
          bound; and (iii) to its knowledge, none of ECI's marks shall infringe
          on or violate the trademark or other proprietary rights of any third
          party; and

     b)   Motivano represents and warrants to ECI that (i) Motivano has the full
          corporate right, power and authority to enter into this Agreement, and
          to perform the acts required of it hereunder; and (ii) Motivano's
          execution of this Agreement and the performance by Motivano of its
          obligations and duties hereunder do not violate any applicable laws
          and regulations or any agreement to which Motivano is a party or by
          which it is otherwise bound.
<PAGE>

10.  LIMITATION OF LIABILITY

IN NO EVENT SHALL A PARTY TO THIS AGREEMENT BE LIABLE FOR ANY SPECIAL, INDIRECT,
INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOSS OF
USE OR DATA, BUSINESS INTERRUPTION, OR LOST PROFITS, IN ANY WAY ARISING OUT OF
OR RELATING TO THIS AGREEMENT, WHETHER OR NOT SUCH PARTY HAS BEEN ADVISED AS TO
THE POSSIBILITY OF SUCH DAMAGES.

11.  INDEMNIFICATION

Each Party hereby agrees to indemnify, defend and hold harmless the other Party
and its directors, officers, employees and agents, from and against any and all
liability, claims, losses, damages, injuries or expenses (including reasonable
attorneys' fees) arising out of or relating to the indemnifying Party's
performance or failure to perform its obligations hereunder or a breach by the
indemnifying Party of any of its representations herein and, in the case of a
claim related to the products and services provided pursuant to the Plan, ECI
shall indemnify Motivano, its directors, officers, employees and agents, from
and against all liability, losses, damages, injuries or expenses, (including
reasonable attorneys fees) relating to such claim. The indemnifying Party may
not consent to an entry of judgment or enter into any settlement without the
prior written consent of the indemnified Party, not to be unreasonably withheld
or delayed. The indemnified Party will have a right to participate in any
defense of a claim and/or to be represented by counsel of its own choosing at
its own expense.

12.  RECORDS AND AUDITS

ECI shall have the right at its expense, upon reasonable prior written notice
and at reasonable times during normal business hours, by a duly appointed
representative, to review/audit the membership records of MOTIVANO on no more
than two (2) times per calendar year, as said records relate to the sale and
cancellation of Memberships. The cost of any such audit will be borne by ECI.

13.  COMMUNICATIONS

Except as may otherwise be agreed upon, MOTIVANO shall use ECI's logo or name on
Member's I.D. cards, in advertisements, media promotion, in print, broadcast, or
on the internet or other media, in order to promote MOTIVANO'S services to
Members. Communication materials, including, but not limited to, I.D. cards,
enrollment, fulfillment and marketing materials, will be submitted to ECI for
review and approval prior to distribution to Members whenever these materials
change in substance from documents previously reviewed and approved by ECI.

14.  PRESS RELEASE

Either party hereto shall have the right to issue a press release referencing
this affiliation provided said release does not disclose the financial terms
hereof and is otherwise approved by the other party. Approval shall be
predicated solely upon factual accuracy. Notwithstanding the above, either party
may issue any press release that it reasonably believes is required by law. Such
party shall attempt to give prior notice to the other party.

15.  NOTICES

A written notice given under this Agreement by either Party shall be directed to
the addressee at the address as here before set forth, unless prior written
notice of change of address has been furnished.
<PAGE>

16.  SEVERABILITY

If a court of competent jurisdiction finds any provision of this Agreement to be
unenforceable, such provision will be modified to render it enforceable in a
manner calculated as to effect the original intent of the Parties as nearly as
possible, and the remainder of this Agreement will continue in full force and
effect.

17.  MODIFICATION/WAIVER

No modification to this Agreement, nor any waiver of any rights, shall be
effective unless consented to in a writing signed by both Parties and the waiver
of any breach or default shall not constitute a waiver of any other right or any
subsequent breach or default.

18.  ASSIGNMENT

This Agreement shall be binding upon and inure to the benefit of each of the
Parties, their successors and permitted assigns. Neither Party may assign or
transfer this Agreement without the prior written consent of the other Party,
which consent shall not be unreasonably withheld. Notwithstanding the foregoing,
either Party may assign this Agreement, without the prior written consent of the
other Party, if such assignment is to: (i) a wholly owned subsidiary of the
assigning Party, or (ii) an entity that has acquired all or substantially all of
the assigning Party's assets as a successor to the business of the assigning
Party (whether by way of merger, reverse merger, consolidation, sale and
purchase of assets or otherwise) an such entity has agreed in writing prior to
the effective date of such assignment to be bound by and to perform in
accordance with this Agreement as if it were the assigning Party. Any attempted
assignment in violation hereof shall be void.

19.  INDEPENDENT CONTRACTORS

The relationship of Motivano and ECI established by this Agreement is that of
independent contractors, and nothing contained in this Agreement shall be
construed to: (i) give either Party the power to direct or control the day-to-
day activities of any other party, (ii) allow any Party to create or assume any
obligation on behalf of the other Party for any purpose whatsoever, or (iii)
constitute the Parties as partners (including limited partners), joint venturers
or co-owners. Neither Party shall have any right to act on behalf of the other
and neither Party shall represent that it has such right or authority.

20.  REPORTS OF BREACH OF WARRANT OR INFRINGEMENT

Each Party will immediately report to the other any breach of any representation
or warranty under this Agreement or of any potential infringement of (i) any
of such Party's trademarks or intellectual property or (ii) any other person's
intellectual property by a Party's intellectual property.

21.  ENTIRE AGREEMENT

This Agreement, including the exhibits, contains the sole and entire agreements
currently existing between the Parties. The Parties acknowledge and agree that
neither of them has made any representations with respect to the subject matter
of this Agreement, or any representation inducing the execution and delivery
hereof except representations as are specifically set forth herein, and each of
the Parties hereto acknowledges that is has relied on its own judgment in
entering into the same.

22.  HEADINGS NOT CONTROLLING

Headings used in this Agreement are for reference purposes only and shall not be
deemed a part of this Agreement.
<PAGE>

23.  GOVERNING LAW

This Agreement and any claims arising there from shall be subject to and
governed by the laws of the State of Florida.

IN WITNESS WHEREOF, this Agreement is executed this 29/th/ day of September,
2000.

MOTIVANO, Inc.                                    Eye Care International, Inc.

By:  /s/ Sharon VanBaaren                         By:  /s/ Clark A. Marcus
     ----------------------------                      ------------------------
Print Name: Sharon VanBaaren                      Print name: Clark A. Marcus
Title:      Vice President, Product Development   Title:      President & CEO
<PAGE>

                                                             [LOGO]
                                                             motivano

                                                             230 Park Avenue
                                                             10/th/ Floor
                                                             New York, NY
                                                             10169
                                                             Phone: 646-435-5668
                                                             Fax:   646-435-5549

April 18, 2001

Clark Marcus
Eye Care International
1511 North Westshore Blvd, Suite 925
Tampa, Fl 33607

Re: Vision Plan

Dear Clark,

This is to confirm our agreement regarding fees payable to ECI.

Motivano markets, sells, produces ID cards with the ECI logo, prepares and
delivers member packages, implements the plan and provides ongoing customer
service to the corporate customers for the ECI vision plan. Our customer care
unit assists our members in setting eye care appointments and identifying
participating providers. We offer a packaged vision plan in all our proposals to
corporate customers. The only time the vision plan is removed from our offering
is when the customer already offers a vision plan and declines to replace it
with the ECI plan.

In addition, when we license our employee savings marketplace we will include
the ECI vision plan in the voluntary benefits section of our employee savings
marketplace unless the customer specifically requests that it be removed.

ECI will provide Motivano with standard member materials such as the eye
coupons, toll free member services and work with Motivano to quickly resolve
customer service issues.
<PAGE>

For this, ECI will bill Motivano monthly based on actual members enrolled in the
ECI plan in that given month according to the following schedule:

      --------------------------------------------------------------------
      Enrolled members              Fees payable to ECI
      --------------------------------------------------------------------
      Up to 25,000                  $0.40 per enrolled member per month
      --------------------------------------------------------------------
      25,000 to 99,999              $0.125 per enrolled member per month
      --------------------------------------------------------------------
      100,000 to 499,999            $0.10 per enrolled member per month
      --------------------------------------------------------------------
      500,000 to 999,999            $0.08 per enrolled member per month
      --------------------------------------------------------------------

I am enclosing a worksheet that outlines the revised fees and a check to bring
our account current with ECI. Although we did not discuss this, I applied an
offset of printing and mailing costs for ID cards that we were forced to
reprint and mail to all our existing customers due to service complaints we were
encountering. We worked with ECI to determine this solution. Since we took that
action, we have had minimal service issues. I hope you will agree to this
payment arrangement. If so, I will mail the check for $255.14 today.

We look forward to a long term, mutually beneficial relationship with ECI.

Sincerely,

/s/ Sharon A. VanBaaren
-----------------------
Sharon A. VanBaaren
Executive Vice President

Agreed to by: /s/ Clark Marcus
              ----------------------
              Clark Marcus, CEO
              Eye Care International<PAGE>

                                                                   Exhibit 10.10

                           1stinhealth.com(TM).Inc.
                            AGREEMENT FOR SERVICES
                            ----------------------

     THIS AGREEMENT is made as of the __ day of September 1999, by and between
1stinhealth.com(TM).Inc. a New Jersey Corporation ("1/st/"), and Eye Care
International, Inc., a Delaware Corporation ("ECI"), to be effective on or about
September 30, 1999.

                               R E C I T A L S:
                               ----------------

1.   1/st/ has developed a proprietary program (the "Program") under which a
1/st/inhealth Card is made available to Program members ("Cardmembers") that
entitles them to receive Preferred Pricing on health-related products and
services.

2.   ECI maintains a national network of Vision Providers (the "Network") of
about 2,000 ophthalmologists and 10,000 opticians (the "Providers"). 1/st/ and
ECI wish to make the Network of Providers available to Cardmembers under the
Program.

     NOW, THEREFORE, in consideration of the premises, the parties agree as
follows:

                               A G R E E M E N T:
                               -----------------

     1.   MERCHANT AGREEMENTS. ECI represents and warrants that it has the
          -------------------
          legal contractual to cause each of the Network Providers to become a
          merchant under the Program and be bound by the terms and conditions of
          the Programs as attached in Exhibit C. Attached to this Agreement as
          Exhibit A are specimen agreements, which have been completed, by ECI
          and the Network Providers allowing ECI to enter into this Agreement on
          their behalf.
          1.1  1/st/ will provide a free authorization center for Network
               Providers to call to receive authorization for goods and
               services.
          1.2  1/st/ will pay Network Providers pursuant to the ECI Preferred
               Pricing Schedule(s) as attached as Exhibit B on the 10/th/ day of
               each month immediately following the month services are rendered
               or via ACH (as a primary option) within 3-4 business days if the
               Network Provider so desires and furnishes 1/st/ with a copy of a
               voided check for the account the funds are to be deposited into.
               Both 1/st/ and ECI shall inform Providers of this option with the
               initial Provider contact and each subsequent Provider contact
               with 1/st/.
          1.3  1/st/ will maintain a toll free merchant services telephone
               number to assist Network Providers with questions regarding the
               Program.
          1.4  1/st/ and ECI agree that ECI shall be the exclusive eye
               care/eyewear provider for the Program. ECI recognizes that 1/st/
               has existing contractual relationships with Eye Masters, Cohen
               Vision Optical and Sterling Vision and will exempt these entities
               from the foregoing exclusivity commitment. If 1/st/ requires
               optometric coverage in an area not currently available by a
               Network Provider, it will notify ECI of such need and ECI will
               then have thirty (30) days from the date of receipt of such
               request to contract with a Provider in the needed geographical
               area. If ECI is unsuccessful in arranging for such coverage,
               1/st/ will have the right to contract directly with a provider in
               that area.
          1.5  1/st/ will submit to ECI for approval all material which 1/st/
               intends to disseminate which describes the ECI eye care/eyewear
               vision portion of the Program. ECI's review of said material
               shall be limited to factual accuracy and will not be unreasonably
               withheld or delayed.

                                       1
<PAGE>

     1.6  1/st/ will commence its sales and marketing activities no later than
          October 1, 1999.

2.   Preferred Pricing
     -----------------

     2.1  Preferred Pricing for the benefit of Cardmembers will be as per
          Exhibit B attached to the Agreement and are in the form of regional
          fees schedules agreed to by the Network Providers and ECI.
     2.2  Preferred Pricing for products and services at Network Providers shall
          be based upon ECI's schedules.
     2.3  ECI shall be compensated for all Network Providers pursuant to section
          3.4. If a provider enrolled by ECI ceases to participate with 1/st/
          and then reactivates as a participating provider; ECI shall be
          credited for all transactions that originate from that Provider.

3.   RELATIONSHIP OF ECI AND 1/ST/.
     -----------------------------

     3.1  The relationship between ECI and 1/st/ is that of independent entities
          contracting for the sole purpose of carrying out the provisions of
          this Agreement and nothing herein or otherwise shall be construed to
          create any other relationship, including without limitation, that of
          employee, agent or representative.
     3.2  This is an Agreement between ECI and 1/st/ and is not intended to
          create any rights or remedies in favor of any other party, including
          without limitation, a Cardmember.
     3.3  1/st/ retains all authority to interpret the Program to which this
          Agreement relates including, but not limited to, eligibility and
          interpretation of the Program's terms.
     3.4  ECI will receive the following compensation from 1/st/ as a result of
          it participation in the Program: two per cent (2.0%) of the amount
          charged to the Cardmember's credit/debit card account of each
          transaction occurring at an ECI Network Provider. This fee will be
          paid monthly, on or before the fifteenth day of each month, thirty
          days in arrears and will be net of charge backs, credits and returns.
          Monthly statements will be submitted along with payment detailing all
          transaction occurring at Network Providers. The consideration being
          paid to ECI as specified in this Sub-Paragraph 3.4 is for, among other
          things, ECI permitting 1/st/ to utilize the ECI network as the eye
          care/eyewear provider network in the Program.
     3.5  If 1/st/ is sold, merges or becomes publicly traded, all terms of
          this Agreement will survive.

4.   RESPONSIBILITIES OF ECI.
     -----------------------

     4.1  ECI will cause all Network Providers currently under contract with ECI
          and any and all additional Network Providers who contract with ECI to
          participate in the Program in the various geographical areas where
          Cardmembers are located.
     4.2  ECI will use its best efforts to cause the Network Providers to
          utilize advertising materials relating to the Program, together with
          decals and displays showing participating in the Program, to be
          supplied by 1/st/, provided all expenses involved in promoting and
          arranging for the Network Providers to utilize advertising materials
          relating to the vision portion of the Program, together with decals
          and displays will be borne by 1st.
     4.3  ECI will provide 1/st/ an electronic listing of all participating
          Network Providers along with the fee schedule that applied to each
          Provider.
     4.4  ECI shall inform the Network Providers that 1/st/ shall be authorizing
          payments for services through the 1/st/ toll free merchant
          authorization center.

                                       2
<PAGE>

     4.5  ECI shall inform Network Providers that 1/st/ will be paying for all
          authorized purchases on or about the tenth (10/th/) day of each month
          immediately following the month services were rendered by check
          directly to the Provider at the address provided to 1/st/ by ECI or as
          otherwise provided for in paragraph 1.2 hereof.

     4.6  With respect to the "no cost" eye exam portion of the ECI Program, it
          is understood that only those providers identified by ECI as providing
          one eye exam per membership at no additional cost participate in said
          "no cost" part of the ECI Program. Those providers are indicated by
          an asterisk (*) next to their name on the electronic disk of providers
          provided by ECI to 1/st/. It is specifically understood that with
          respect to the "free eye exam" portion of the Program, 1/st/ will
          prepare an appropriate "free eye exam coupon" which coupon will have a
          short term expiration date and be approved by ECI prior to
          dissemination. ECI's approval will not be unreasonably withheld or
          delayed.

     4.7  It is specifically understood that:

          i)   The basic fee schedule to be utilized by 1/st/ with respect to
               ECI's optometric panel will consist of the FRAMES FAX pricing
               structure which is obtained either by ECI or 1/st/ from the
               publication "FRAMES" as may exist from time to time along with
               the other component parts of ECI's pricing schedule as set forth
               by Exhibit B annexed hereto.

          ii)  With respect to the medical fee for "coded" procedures utilized
               by ECI's ophthalmology panel, it is understood that since said
               fee schedule is based upon the Medicare fee schedule as same may
               exist, from time to time, region by region, since such schedule
               is "public information" it shall be 1st's responsibility to
               obtain said fee information in those areas where it has members
               or is otherwise on a "need to know basis."

          iii) With respect to ECI's ophthalmology fee schedule as same may
               exist for "non-coded" procedures (electives), since ECI's
               providers discount their fees for non-coded procedures by 20% off
               of their usual and customary fee, it shall be 1st's
               responsibility to inquire as to the provider's usual and
               customary fee at the time the provider contacts 1/st/ for
               purposes of receiving authorization for payment. The fee to be
               charged shall be calculated at that time. In all cases, it is
               understood that ECI's pricing structure with its ophthalmology
               providers is as set forth in Exhibit B annexed hereto.
               Notwithstanding the foregoing, ECI will make reasonable effort to
               determine the usual and customary fees of its ophthalmology
               providers with respect to elective non-coded procedures; i.e.,
               PRK, Lasik, laser cosmetic skin resurfacing.

          iv)  ECI will use its best efforts to negotiate more favorable
               discounts on elective procedures.

5.   INDEMNITY.
     ---------

     5.1  ECI shall indemnify and hold 1/st/, its officers, directors, employees
          and agents (each an "Indemnified Party") harmless against any claim,
          injury, damage, loss, expense (including attorneys' fees) demand or
          judgment asserted against or incurred by any indemnified party arising
          out of a breach of the Agreement or negligent act, failure to act, or
          other faults, in connection with this Agreement by ECI, or any of its
          officers, directors, employees or agents.

     5.2  1/st/ shall indemnify and hold ECI, its officers, directors, employees
          and agents (each an "Indemnified Party") harmless against any claim,
          injury, damage, loss, expense (including attorney's fees) demand or
          judgment asserted against or incurred by any indemnified party

                                       3
<PAGE>

          arising out of a breach of the Agreement or negligent act, failure to
          act, or other faults, in connection with this Agreement by 1/st/, or
          any of its officers, directors, employees or agents.

6.   TERM AND TERMINATION.
     --------------------

     6.1  This Agreement shall commence on the date hereof and shall remain in
          effect for an initial term of three (3) years from the effective date
          and thereafter shall automatically renew for successive terms of two
          (2) years each unless mutually terminated in writing pursuant to this
          Section 6.
     6.2  In the event of a breach of this Agreement by either party, the other
          party may notify the party in breach in writing specifying the manner
          in which this Agreement has been breached and this Agreement shall
          terminate automatically thirty (30) days after such notice unless the
          breach has been cured to the reasonable satisfaction of the non-
          breaching party.
     6.3  If at any time during the term of this Agreement there shall be filed
          by or against either party in any court pursuant to any statute either
          of the United States or any State a petition in bankruptcy or
          insolvency or for reorganization or for the appointment of a receiver
          or trustee of all or a portion of that party's property, or if either
          party makes an assignment for the benefit of creditors or petitions
          for or enters into such an assignment, the other party may immediately
          terminate this Agreement upon written notice to such party who filed
          or against whom was filed such petition or who made petition or
          entered into such assignment. This Paragraph 6.3 shall not be
          applicable if, notwithstanding the filing referred to in Paragraph
          6.3, the party against whom such filing was made complies with all the
          other material terms and conditions of this Agreement and is not
          otherwise in material breach hereof.

7.   EFFECT OF TERMINATION. Except as herein otherwise provided, this Agreement
     ---------------------
     shall be of no further force or effect as of the date of termination except
     that each party will remain responsible for any obligations or liabilities
     arising from activities carried on by such party or its agents or employees
     during the period this Agreement was in effect.

8.   CONFIDENTIALITY. The information compiled, generated or provided to one
     ---------------
     party (the "Receiving Party") pursuant to this Agreement by the other party
     (the "Disclosing Party") or otherwise, including the identity of
     Cardmembers and any records of Cardmembers, or dependents of Cardmembers,
     are confidential and proprietary to the Disclosing Party and may not be
     used for any purpose other than the discharge of the duties of the
     Receiving Party hereunder. The Receiving Party will not, except as required
     by law or government order, release to any third party without the
     Disclosing Party's consent any such information or any other information
     relating to the Disclosing Party which the Receiving Party obtains as a
     result of or incident to the relationship described in the Agreement,
     provided such information is not publicly available to the Receiving Party
     of any request, subpoenas or other inquiry it receives to obtain any such
     records in the Receiving Party's custody. In addition to this
     confidentiality undertaking, the parties hereto agree to execute the form
     of Confidentiality Agreement annexed to as Exhibit D. Further, the parties
     agree specifically with respect to ECI's ophthalmological provider panel as
     disclosed by ECI to 1/st/ from time to time, that 1/st/, for itself, its
     successors and assigns and any and all other firms or corporations gaining
     access to said list through 1/st/, that they will not during the time of
     this Agreement and for a one (1) year period thereafter solicit or allow
     said ophthalmological providers or any of them to become members of another
     national discount fee for service network in which 1/st/, its successors or
     assigns or any other person having access to the list of said providers
     through 1/st/ have an interest, directly or indirectly. The foregoing shall
     not apply to ophthalmologists who are, as of the date of the execution of
     this Agreement, in 1st's network on a national discount fee for service
     basis. In
            --

<PAGE>

     connection with the foregoing, it is specifically understood that 1/st/
     represents that it has an exclusive contract (not in conflict with this
     Agreement) with Galaxy, which contract provides for Galaxy to provide
     Medical doctors to the Program. Further, that Galaxy serves in the capacity
     of this party administrator to 1/st/ in connection with 1st's Program. As
     such 1/st/ further represents that Galaxy is on a "need to know basis" with
     respect to the identity of ECI's ophthalmological panel. Having been
     appraised by ECI of the highly confidential nature of such a list, it is
     agreed between the parties hereto that, provided Galaxy first executes a
     Confidentiality Agreement the same or similar to that annexed hereto as
     Exhibit D, which Agreement will contain the restrictive covenant provisions
     in this paragraph 8 only applicable to Galaxy, ECI agrees that said list
     may be made available to Galaxy by 1/st/. Without the execution of said
     Confidentiality Agreement by Galaxy and the delivery of same to ECI, said
     list of ophthalmological providers shall not be so delivered to Galaxy.

9.   ADVERTISING. ECI, 1/st/ and the Network Providers retains the exclusive
     -----------
     rights to their names and logos, together with all distinctive trademarks
     and/or service marks. Upon termination of this Agreement, 1/st/ agrees to
     discontinue the use of any name, symbol or trademark belonging to ECI or
     the Network Providers and ECI and the Network Providers agree to
     discontinue the use of any name, symbol or trademark belonging to 1/st/.
     ECI and 1/st/ will receive mutual approval of all uses of their names and
     marks prior to publication.

10.  NOTICES. Any notices or other communications required or permitted
     -------
     hereunder may be sent by courier, facsimile transmission (receipt of which
     is confirmed), or by U.S. Mail at the addresses indicated on the signature
     page of this Agreement. Addresses for notices may be changed upon written
     notice to the other party.

11.  ASSIGNMENT. This Agreement may not be assigned by either party to any other
     ----------
     person or entity without the express written consent of the other party,
     and any attempted assignment without such consent shall be void and no
     force and effect. Consent may not be reasonably withheld using good
     business judgement. Any rights or duties hereunder may not be subcontracted
     or otherwise assigned or delegated by either party.

12.  FORCE MAJEURE. A party shall not be deemed to have breached the Agreement
     -------------
     if its delay or failure to perform all or any part of its obligations
     hereunder results from a condition beyond its reasonable control, including
     without limitation, acts of God or the public enemy, statute, or rule or
     action of any federal, state or local government agency.

13.  AMENDMENTS. This Agreement may not be amended or modified by either party
     ----------
     without the express written consent of the other, except as otherwise
     provided in the Agreement.

14.  APPLICABLE LAW. This Agreement shall be governed by the laws of the State
     --------------
     of New Jersey without regard to choice of law provisions except to the
     extent preempted by federal law. All disputes will be settled in Bergen
     County, New Jersey.

15.  PRESS RELEASE. Either party hereto shall have the right to issue a press
     -------------
     release referencing this affiliation provided said release does not
     disclose the financial terms hereof as otherwise approved by the other
     party. Approval shall be predicated upon factual accuracy.

16.  RIGHT TO INJUNCTIVE RELIEF. Each party agrees that unauthorized disclosure
     --------------------------
     or use of Confidential Information will cause substantial and irreparable
     injury to the other Party, that monetary

                                       5
<PAGE>

     damages may not adequately compensate the injured Party for such injury and
     that the Party whose Confidential Information is wrongly disclosed, is
     entitled to among other remedies that may be available at law, immediate
     injunctive or other equitable relief for any breach of this Agreement in
     any court of competent jurisdiction.

17.  RECORDS AND AUDITS. ECI shall the right at its expense, upon reasonable
     ------------------
     prior written notice and at reasonable times during normal business hours,
     by a duly appointed representative acceptable to 1st, to review/audit the
                                        -----------------
     records of 1/st/ on no more than two (2) time per calendar year, as said
     records relate to utilization of the vision portion of the Program.

18.  MISCELLANEOUS PROVISIONS. This Agreement constitutes the entire Agreement
     ------------------------
     between ECI and 1/st/ and supersedes any and all prior agreements or
     understandings between the parties. Failure by either party to exercise any
     of its rights arising in respect to any breach or violation of this
     Agreement shall not be a waiver of its right to exercise any rights arising
     with respect to any subsequent breach or violation. In the event any term
     or provision contained in this Agreement shall be determined to be invalid
     or unenforceable, such invalidity or unenforceability shall not affect the
     validity or enforcement of any other term or provision contained herein.

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement
     this___day of September 1999.

1stINHEALTH.COM, INC.                   EYE CARE INTERNATIONAL, INC.

By: /s/ Susan Kaplan                          By: /s/ Clark A. Marcus
    ---------------------                         ------------------------

Print Name:  Susan Kaplan                     Print Name:  Clark A. Marcus
             ------------                                  ---------------

Title:  EXECUTIVE VICE PRESIDENT              Title:  PRESIDENT & CEO
        ------------------------                      ---------------
Address:    777 Terrace Avenue                Address:  1511 North Westshore
            Hasbrouck Heights, NJ 07604                 Boulevard, #925
            (201) 462-0055                              Tampa, FL 33607
            (201) 462-0278 Fax                          (813) 289-5552
                                                        (813) 289-5553 Fax

                                       6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00039-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00039-of-00352.parquet"}]]