Document:

<PAGE>   1
                         DEVELOPMENT SERVICES AGREEMENT

     This Development Services Agreement (the "Agreement") is entered into as of
March 31, 2000 (the "Effective Date") by and between XCare.net, a Delaware
corporation with offices at 6400 S. Fiddler's Green Circle, Englewood, CO 80111,
("XCare.net"), and Lamar.com, Inc., a Delaware corporation with offices at 156
W. 56th Street, New York, NY 10019 ("Client").

     This Agreement covers the purchase and license of consulting, development
and other services from XCare.net, pursuant to orders placed by Client and
accepted by XCare.net after the Effective Date.

     This Agreement includes the following attachments, which are incorporated
herein by this reference:

     Attachment 1                  XCare.net Development Services

     Any notice required or permitted under this Agreement will be in writing
and delivered to the address set forth below, or to such other notice address as
the other party has provided by written notice.

     THIS AGREEMENT, INCLUDING THE ATTACHMENTS LISTED ABOVE, CONSTITUTES THE
COMPLETE AND EXCLUSIVE UNDERSTANDING OF THE PARTIES WITH REFERENCE TO THE
SUBJECT MATTER HEREOF, AND SUPERSEDES ALL PRIOR SALES PROPOSALS, NEGOTIATIONS,
AGREEMENTS AND OTHER REPRESENTATIONS OR COMMUNICATIONS, WHETHER ORAL OR WRITTEN.
IF THERE IS ANY CONFLICT BETWEEN THE TERMS AND CONDITIONS OF CLIENT'S PURCHASE
ORDER (OR ANY OTHER PURCHASE OR SALES DOCUMENT) AND THE TERMS AND CONDITIONS OF
THIS AGREEMENT, THIS AGREEMENT SHALL CONTROL. THIS AGREEMENT MAY BE MODIFIED,
REPLACED OR RESCINDED ONLY IN WRITING, AND SIGNED BY A DULY AUTHORIZED
REPRESENTATIVE OF EACH PARTY.

AGREED:

XCare.net                                      Client:   Lamar.com, Inc.

---------------------------------              ---------------------------------

---------------------------------              ---------------------------------

By:  /s/ PETER CHEESBROUGH                     By:  /s/ ERIC MCAFEE
     ----------------------------                   ----------------------------
       (Authorized Signature)                         (Authorized Signature)

Peter Cheesbrough - Senior Vice                Eric McAfee, Vice President
President and Chief Financial                  ---------------------------------
Officer                                           (Printed Name and Title)
---------------------------------
   (Printed Name and Title)
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                                  ATTACHMENT 1

                         XCARE.NET DEVELOPMENT SERVICES

                                    ARTICLE I

                                   DEFINITIONS

     "Client Web Site(s)" shall mean the so-called "web page" site or sites on
the World Wide Web, for the public Internet or for corporate intranets or
extranets, to be developed or serviced by XCare.net hereunder, as identified in
the appropriate Schedule(s).

     "Content" shall mean marketing collateral, data, text, audio files, video
files, graphics and other materials provided by Client or developed hereunder
for use with the Client Web Site, but excluding the XCare.net Software.

     "Development Services" shall mean design, development, and set-up services
as necessary to modify existing XCare.net technology, trade secrets and
know-how to produce the XCare.net Software and/or Modified XCare.net Software
and other elements of the Client Web Site, and/or any other consulting services
rendered hereunder as identified in the appropriate schedules ("Schedule(s)")
attached hereto.

     "Liquidation" shall mean (i) the commencement by XCare.net or any of its
subsidiaries of a voluntary case or other proceeding seeking liquidation,
winding-up, reorganization or other relief with respect to itself or its debts
under any bankruptcy, insolvency, moratorium or other similar law now or
hereafter in effect or seeking the appointment of a trustee, receiver,
liquidator, custodian or other similar official of it or any substantial part of
its property, or has consented to any such relief or to the appointment of or
taking possession by any such official in an involuntary case or other
proceeding commenced against it, or has made a general assignment for the
benefit of creditors or (ii) an involuntary case or other proceeding has been
commenced against the XCare.net or any of its subsidiaries seeking liquidation,
winding-up, reorganization or other relief with respect to it or its debts under
any bankruptcy, insolvency, moratorium or other similar law now or hereafter in
effect or seeking the appointment of a trustee, receiver, liquidator, custodian
or other similar official of it or any substantial part of its property, and
such involuntary case or other proceeding shall remain undismissed and unstayed
for a period of sixty (60) days, or an order for relief has been entered against
the XCare.net under the federal bankruptcy laws as now or hereafter in effect.

     "Modified Content" shall have the meaning ascribed to such term in Section
3.1(a).

     "Modified XCare.Net Software" shall have the meaning ascribed to such term
in Section 3.1(a).

     "XCare.net Software" shall mean all pre-existing computer program code
developed by XCare.net that are delivered by XCare.net to Client pursuant to
this Agreement.

<PAGE>   3

Such XCare.net Software shall be provided in object code form unless the parties
mutually agree in writing to delivery of source code.

                                   ARTICLE II

                                    SERVICES

2.1  DEVELOPMENT SERVICES.

     XCare.net shall render Development Services in accordance with the
requirements set forth in Schedules attached hereto. Each Schedule for new
services shall be successively numbered (e.g., 1,2, etc.). Each schedule shall
be executed by the parties and shall be subject to the terms and conditions of
this Agreement. XCare.net shall provide qualified and trained personnel to
render such Development Services and shall use commercially reasonable efforts
to meet the delivery schedule set forth in the applicable Schedules. In the
event that XCare.net fails to provide the Delivery Services in accordance with
the terms of this Agreement of any Schedule hereto, the delivery schedule shall
be extended by the number of days that delivery of the Development Services was
delayed, unless Client notifies XCare.net that this extension will not rectify
Client's business interruption resulting from XCare.net's delay in which case
such delay may result in XCare.net's credit to the account of Client in an
amount to be mutually agreed upon between XCare.net and Client, in which case
the parties shall mutually agree upon a new schedule for provisions of
Development Services at XCare.net's expense. Any additions, deletions or other
changes to a Schedule shall be mutually agreed to in writing in advance by both
parties and shall be memorialized in a revised Schedule pursuant to the
procedure set forth in Section 2.6 below for Change Orders. All services shall
be performed at XCare.net's offices unless otherwise agreed by the parties. In
the event that services are performed at Client's location or at a location
designated by Client for its operations. Client shall provide XCare.net at no
charge with all necessary facilities and equipment, including without
limitation, computer time on Client's computers and office space, sufficient to
render the services contemplated hereunder. Client shall deliver to XCare.net
all Content selected by Client for incorporation into any Client Web Site in
digitized format in accordance with the delivery schedule set forth in the
applicable Schedule(s). In the event that Client fails to deliver the Content in
accordance with the delivery schedule, the development schedule shall be
extended by the number of days that delivery of the Content was delayed, unless
XCare.net notifies Client that this extension will not rectify XCare.net's
scheduling interruption resulting from Client's delay in which case such delay
may also result in additional charges to Client in an amount to be mutually
agreed upon between XCare.net and Client, in which case the parties shall
mutually agree upon a new delivery schedule and fees with respect to the
rendition of the Development Services.

2.2  ACCEPTANCE OF DELIVERABLES.

     Within thirty (30) days after the delivery to Client of any deliverable
pursuant to any Schedule, Client shall provide XCare.net with written notice of
any failure of any deliverable to materially conform to the functional
specifications set forth in the applicable Schedule. XCare.net and Client shall
review the objections, and XCare.net will use commercially

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reasonable efforts to correct any material non-conformities with the functional
specifications and provide Client with a revised deliverable within thirty (30)
days. Client shall have deemed to have accepted the deliverable if XCare.net
does not receive written notice of Client's objections within said thirty (30)
day period.

2.3  DOMAIN NAME REGISTRATION SERVICES.

     If domain name registration services are included in the Schedule,
XCare.net shall use commercially reasonable efforts to assist Client in
registering an Internet domain name selected by Client. Client will be solely
responsible for all out-of-pocket costs and all legal clearances regarding name
selection and registration.

2.4  MAINTENANCE SERVICES.

     If Client desires to purchase maintenance services from XCare.net for the
Client Web Site, the parties shall execute the then current XCare.net
Maintenance Services Agreement (a sample of which is attached hereto) and
XCare.net shall render maintenance services pursuant to the terms and conditions
of such agreement; provided however, that the rates contained in such
Maintenance Service Agreement (i) for the first twelve (12) months following the
date of this Agreement shall not increase, (ii) for the next twelve (12) months,
shall not increase more than the Consumer Price Index in effect at the beginning
of such twelve month period and (iii) thereafter at a rate mutually agreed upon
by XCare.net and Client.

2.5  HOSTING SERVICES.

     If Client desires to purchase hosting services from XCare.net for the
Client Web Site, the parties shall execute the then current XCare.net Hosting
Services Agreement, and XCare.net shall render hosting services pursuant to the
terms and conditions of such agreement.

2.6  CHANGE ORDERS.

     If Client desires to make changes to an existing Schedule, the parties
shall mutually agree upon an additional or revised Schedule for each new Change
Order. Each such Schedule shall be successively numbered (e.g., 1.A, 1.B,
etc.) and shall be executed by the parties. Any revised Schedule(s) shall be
subject to the terms and conditions of this Agreement.

                                   ARTICLE III

                          OWNERSHIP AND LICENSE RIGHTS

3.1  PROPERTY RIGHTS AND OWNERSHIP.

     (a) The Client Web Site(s) and all other results and proceeds of
XCare.net's services hereunder, shall consist of, and shall operate in
conjunction with, multiple elements of intellectual property, including without
limitation the XCare.net Software and the Client Content. The parties'
respective rights to such elements shall be as set forth below. For purposes of
this Agreement, the term "ownership" shall refer to ownership of all
intellectual property rights

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including, but not limited to, all patent, copyright, trade secret and trademark
rights, as applicable, with respect to the subject intellectual property.

<TABLE>
<CAPTION>
------------------------------------------        -----------------------------
   INTELLECTUAL PROPERTY ELEMENTS                       OWNERSHIP/RIGHTS
------------------------------------------        -----------------------------
<S>                                               <C>
Client Content, including all enhancements        Client has sole ownership.
of, modifications to and derivative works
created from Client Content by XCare.net
("Modified Content") and HTML files that
contain Client Content, and modifications
to Content as a result of Client's usage of
self-authoring tools.
------------------------------------------        -----------------------------
Content created for Client by XCare.net and      Client has sole ownership.
accepted and paid for by Client, as well as
commissioned Content authored by third
parties specifically for use in connection
with this Agreement and paid for by Client
(e.g., original illustrations or graphics).
------------------------------------------        -----------------------------
Domain name for Client Web Site.                  Client has sole ownership.
------------------------------------------        -----------------------------
Server usage report data/statistics               Client has sole ownership of
generated by the XCare.net Software               data/statistics, and XCare.net
in form and substance as set forth in             shall be granted a limited
the applicable Schedule or as mutually            license pursuant to Section
agreed by the parties.                            3.3 below.
------------------------------------------        -----------------------------
Commercially available third-party software       Third parties have ownership,
that is incorporated into the XCare.net           and Client shall be informed
Software.                                         of all third-party software
                                                  that Client may need to
                                                  license at Client's own
                                                  expense.
------------------------------------------        -----------------------------
XCare.net Software developed by or for            XCare.net has sole ownership
XCare.net in connection with this                 of such XCare.net Software.
Agreement for Client which does not               Client shall be granted a
incorporate, utilize or borrow concepts           license to use the XCare.net
in any manner from Client Content or              Software as set forth in
Modified Content.                                 Section 3.2.
------------------------------------------        -----------------------------
XCare.net Software developed by or for            Client has sole ownership of
XCare.net in connection with this                 of such Modified XCare.net
Agreement for Client which does                   Software. XCare.net shall be
incorporate, utilize or borrow concepts           granted a limited license to
from Client Content or Modified Content           use such Modified XCare.net
("Modified XCare.net Software").                  Software as set forth in
                                                  Section 3.3.
------------------------------------------        -----------------------------
XCare.net supplied material developed             XCare.net has sole ownership
generally to support XCare.net products           of such developed material.
and/or service offerings (e.g. httpd              Client shall be granted a
configuration).                                   license to use the XCare.net
                                                  Software as set forth in
                                                  Section 3.2 below.
------------------------------------------        -----------------------------
</TABLE>

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     (b) It is the intention of the parties that Client retain all ownership
interests in the Content, the Modified Content and the Client Web Site, as
applicable. XCare.net shall have no right, title or interest in the Content or
the Modified Content, except for the license to use the Content or the Modified
Content as provided herein. The Client shall be the sole and exclusive owner of
the copyrightable aspects of the graphical user interface of the Client Web
Site, the name of the Client Web Site, all URLs for the Client Web Site and all
information obtained from visitors to the Client Web Site. In addition, all
Modified Content shall be deemed to be works made for hire, in accordance with
the copyright laws of the United States under the direction and control of
Client. Client shall be the proprietor of the Modified Content and all right,
title and interest therein throughout the world including, without limitation,
the copyright and all rights under the copyright therein. To the extent that it
is determined that any aspect of the Modified Content does not qualify as a work
made for hire within the meaning of the copyright laws of the United States,
then XCare.net shall be deemed to have hereby irrevocably transferred and
assigned to Client all of its right, title and interest, throughout the world
and in perpetuity, in and to the Modified Content, including without limitation
all of its right, title and interest in copyright, and all rights under
copyright therein including but not limited to all renewals and extensions
thereof, reverted copyrights and rights of copyright reversion, all applications
and registration materials therefor, and all rights to recover for prior
infringements relating to the Modified Content, free of any claim by XCare.net
or any other person or entity.

     (c) It is the intention of the parties that Client retain all ownership
interests in the Modified XCare.net Software. Accordingly, XCare.net shall
deliver the Source Code (as defined below) to Client for the Modified XCare.net
Software in which the Client shall have the sole, indefeasible proprietary
interest. XCare.net shall have no right, title or interest in or to the Modified
XCare.net Software or the Source Code, except for the license to use the
Modified XCare.net Software as provided herein. All Modified XCare.net Software
shall be deemed to be works made for hire, in accordance with the copyright laws
of the United States under the direction and control of Client. Client shall be
the proprietor of the Modified XCare.net Software and all right, title and
interest therein throughout the world including, without limitation, the
copyright and all rights under the copyright therein. To the extent that it is
determined that any aspect of the Modified XCare.net Software does not qualify
as a work made for hire within the meaning of the copyright laws of the United
States, then XCare.net shall be deemed to have hereby irrevocably transferred
and assigned to Client all of its right, title and interest, throughout the
world and in perpetuity, in and to the Modified XCare.net Software, including
without limitation all of its right, title and interest in copyright, and all
rights under copyright therein including but not limited to all renewals and
extensions thereof, reverted copyrights and rights of copyright reversion, all
applications and registration materials therefor, and all rights to recover for
prior infringements relating to the Modified XCare.net Software, free of any
claim by XCare.net or any other person or entity.

For purposes of Section 3.1(c) the term "Source Code" shall mean all or any part
of the machine-readable (but including transcriptions or other representations
thereof, in tangible or intangible form, and on any media whatsoever),
uncompiled (but otherwise regardless of format) instruction set, the totality of
which permits operation of the Modified XCare.net Software.

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<PAGE>   7

3.2 LICENSE TO CLIENT.

     XCare.net grants Client a non-exclusive, non-transferable license to use
the XCare.net Software on a single computer in object code version only to
operate and display the Client Web Site in order for end users to access the
Client Web Site; provided, however, that Client, with the consent of XCare.net,
which consent shall not be unreasonably withheld, shall be able to utilize the
XCare.net Software on multiple computers at different locations (i.e., "mirror
sites") to handle heavy or increased volume on the Client Web Site. If the
XCare.net Software is not developed for use on a Client Web Site, then the
foregoing license shall constitute a non-exclusive, non-transferable license to
use the XCare.net Software on a single computer in object code version only for
Client's internal business needs. Client may transfer the XCare.net Software to
a different computer so long as the XCare.net Software is not retained on the
prior computer on which it was initially installed other than as a permitted
backup copy. Client may grant a sublicense to a third party that Client engages
to host the Client Web Site; provided, that such third party agrees in writing
to be bound by the license and confidentiality restrictions set forth in this
Agreement. Client is prohibited from duplicating and/or distributing any
XCare.net Software without the prior written consent of XCare.net; provided,
however that Client may copy the XCare.net Software only as needed for
reasonable ordinary backup or disaster recovery procedures. Client may use the
backup copies only if the installed copy is lost or destroyed or the hardware on
which the installed copy is installed becomes inoperable, provided that the use
of said backup copies is discontinued immediately when the original hardware
becomes operable.

3.3 LICENSE TO XCare.net.

     Client grants XCare.net a limited, non-exclusive, non-transferable license
(i) to use, copy, and modify the Content in connection with XCare.net's
performance of the Development Services, (ii) to use, copy, modify, distribute
and display server usage data and statistics generated by the XCare.net Software
and (iii) to use, copy and modify the Modified XCare.net Software; provided,
however, that XCare.net shall not use in any manner the Modified XCare.net
Software with any person other than Client without the express written consent
of Client which consent shall not be unreasonably withheld.

3.4 SOURCE CODE ESCROW.

     At the expense of Client, within thirty (30) days of the date hereof,
XCare.net shall deliver to Client in escrow, a fully commented and documented
copy of the source code for the XCare.net Software (the "XCare.net Source
Code"), a listing thereof and all relevant commentary, including explanation,
flow charts, algorithms and subroutine descriptions, memory and overlay maps and
other documentation of the XCare.net Source Code (the "Commentary") together
will all necessary codes, keys and all similar types of access information in
order to access all such XCare.net Source Code and to customize, modify, and
manipulate the related software programs. Client shall deposit materials in a
secure, environmentally safe, locked facility which is accessible only to
authorized representatives of the Client. Client shall have the obligation to
use its best efforts to protect and maintain the confidentiality of the deposit
materials. Client shall not disclose, transfer, make available, or use the
deposit materials and shall not disclose the contents of the deposit material to
any third party

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or to any unauthorized personnel. Upon the occurrence of a Liquidation,
XCare.net shall grant to Client a perpetual, non-exclusive, non-transferable,
limited license to use and copy the XCare.net Source Code, and to create
derivative works therefrom, thirty (30) days from such Liquidation. Client will
acknowledge and agree that such license shall not commence unless and until such
Liquidation occurs, and Client shall have no right to use the XCare.net Source
Code unless and until the occurrence and continuance of such Liquidation. If
XCare.net corrects any defects in, or provides any revision to, the XCare.net
Software hereunder, XCare.net shall simultaneously furnish the escrow agent with
a corrected or revised copy of such XCare.net Source Code, a revised listing
thereof, and revised Commentary. Without limiting the generality of this Section
3.4, it is the intention of the parties that Client shall have a license to use,
copy, modify, and maintain the XCare.net Source Code and related documentation
for the specific application for which it was granted hereunder in the event of
escrow release pursuant to this provision, such that Client shall be a licensee
of the XCare.net Source Code, which the parties agree and acknowledge
constitutes intellectual property as defined by Section 101(35A) of the United
States Bankruptcy Code, and be entitled to all the benefits granted to software
licensees under the provisions of the United States Bankruptcy Code including,
without limitation, Section 365(n) of Title 11 of the U.S. Code (11 U.S. 365(n).

3.5 SUPPORTING DOCUMENTS.

     Each party agrees to execute any additional documents deemed reasonably
necessary to effect and evidence the other party's rights with respect to the
intellectual property elements set forth above.

3.6 NO REVERSE ENGINEERING.

     (a) Client may not reverse engineer, reverse assemble, decompile or
otherwise attempt to derive the source code from the XCare.net Software.

     (b) XCare.net may not reverse engineer, reverse assemble, decompile or
otherwise attempt to derive the source code from the Modified XCare.net Software

3.7 PROPRIETARY NOTICES.

     All copies of the XCare.net Software and other XCare.net supplied materials
used by Client shall contain copyright and other proprietary notices
(appropriately placed) in the same manner in which XCare.net incorporates such
notices in the XCare.net Software or in any other manner requested by XCare.net.
Client agrees not to remove, obscure or obliterate any copyright notice,
trademark or other proprietary rights notices placed by XCare.net on or in the
XCare.net Software.

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<PAGE>   9

                                   ARTICLE IV

                                     PAYMENT

4.1 DEVELOPMENT SERVICES.

     Subject to the provisions of Section 4.6, in consideration for the
performance of the Development Services, Client shall pay to XCare.net the
amounts set forth in the applicable Schedule, on the payment dates set forth in
such Schedule. In the event that XCare.net renders services at Client's location
or any other location designated by Client for its operations, Client shall pay
the reasonable travel, living and related expenses for XCare.net personnel
rendering services at Client's location or any other location designated by
Client or its operations. All services hereunder shall be rendered on a time and
materials basis. All work will be billed at XCare.net's standard hourly rates,
which rates may be revised from time to time by XCare.net, in its sole
discretion, upon advance written notice to Client; provided however, that such
rates shall not be increased for a period of eighteen (18) months from the date
hereof. Amounts set forth in the applicable Schedule represent an estimate of
the hours required to complete the work outlined in such Schedule; in the event
that actual hours incurred to complete the work exceed those included in the
estimate, XCare.net and Client will mutually-determine the additional hours that
will be billed at XCare.net's standard hourly rates.

4.2 MAINTENANCE SERVICES.

     If the parties have entered into a XCare.net Maintenance Services
Agreement, Client shall pay XCare.net the amounts set forth in said Maintenance
Services Agreement.

4.3 HOSTINGS SERVICES.

     If the parties have entered into a XCare.net Hosting Services Agreement,
Client shall pay XCare.net the amounts set forth in said Hosting Services
Agreement.

4.4 TAXES.

     In addition to the fees due as specified above, Client shall pay any and
all federal, state and local sales, use, value added, excise, duty and any other
taxes of any nature assessed upon or with respect to the license granted
hereunder, arising from this Agreement, except that taxes on XCare.net's income
shall be the sole responsibility of XCare.net.

4.5 PAYMENTS.

     All payments made pursuant to this Agreement shall be made in U.S. Dollars
are due thirty (30) days from the date of invoice. Late payments shall bear
interest at one and one-half percent (1.5%) per month or the maximum rate
permitted by law, whichever is less. Notwithstanding anything to the contrary
contained herein, no payments by Client shall be due and payable prior to (i)
the closing of Client's Series A Preferred Stock financing of at least
$ *  and (ii) the entering into of definitive documentation relating to an
agreement between Client and Nursefinders, Inc. for provision of varied
collateral, data and other items to

* This confidential information has been omitted and filed separately with the
  Securities and Exchange Commission pursuant to Rule 24B-2 of the Securities
  and Exchange Act of 1934, as amended.

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<PAGE>   10

be mutually agreed upon between such parties; provided, however, that in no
event shall such period be longer than five (5) months from the date hereof.

                                    ARTICLE V

                                LIMITED WARRANTY

5.1 SOFTWARE WARRANTY.

     Subject to the limitations set forth in this Agreement, XCare.net warrants
only to Client that the XCare.net Software furnished hereunder when properly
installed, properly used and unmodified by Client in any material manner, will
substantially conform to the functional specifications set forth in the
applicable Schedule. XCare.net's warranty shall extend for a period of ninety
(90) days from the date that the final deliverables specified in each Schedule
are delivered to Client ("Warranty Period"). XCare.net's sole responsibility
under this Section 5.1 shall be to use commercially reasonable efforts to
promptly correct material errors, or at XCare.net's option, to refund Client's
fees paid for the XCare.net Software after deinstallation (which shall be at
XCare.net's sole expense) and return thereof. All warranty claims not made in
writing or not received by XCare.net within the Warranty Period shall be deemed
waived. XCare.net's warranty obligations are solely for the benefit of Client,
who has no authority to extend or transfer this warranty to any other person or
entity.

5.2 XCARE.NET DOES NOT WARRANT THAT THE USE OF THE XCARE.NET SOFTWARE WILL BE
UNINTERRUPTED OR ERROR FREE. EXCEPT FOR THE EXPRESS WARRANTIES STATED ABOVE,
XCARE.NET DOES NOT MAKE ANY WARRANTY AS TO THE XCARE.NET SOFTWARE OR THE
SERVICES PROVIDED HEREUNDER OR THE RESULTS TO BE OBTAINED FROM USE OF THE
XCARE.NET SOFTWARE. EXCEPT FOR THE EXPRESS WARRANTIES SET FORTH ABOVE, THE
XCARE.NET SOFTWARE IS USED AND THE SERVICES ARE PROVIDED ON AN "AS-IS" BASIS
WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT
LIMITED TO WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR
USE WITH RESPECT TO THE INTERNET OR USE OF INFORMATION IN CONNECTION WITH THE
SOFTWARE.

                                   ARTICLE VI

                 REPRESENTATIONS AND WARRANTIES; INDEMNIFICATION

6.1 XCARE.NET.

     (a) Representations and Warranties. XCare.net hereby represents and
warrants that:

          (i) it has the full right, power and authority to enter into this
     Agreement;

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          (ii) this Agreement is the legal, valid and binding obligation of
     XCare.net, enforceable against it in accordance with its terms, subject to
     any applicable bankruptcy, reorganization, insolvency or any other laws
     affecting creditor's rights generally or by general principles of equity;
     and

          (iii) the execution, delivery and performance of this Agreement shall
     not conflict with or violate in any way any other agreement or other
     arrangement with any third party and shall not violate any third party's
     intellectual property rights.

     (b) Indemnification. XCare.net shall indemnify, defend and hold harmless
Client, its officers, directors, agents and affiliates (the "Client Indemnified
Persons") from and against any and all claims, actions, damages, losses, costs,
liabilities and expenses (including without limitation, reasonable attorneys'
fees) sustained or incurred by the Client Indemnified Persons as a consequence
of (i) any third party claim, demand, assessment, judgment, order, decree,
action, cause of action, litigation, suit or other proceeding (a "Claim")
brought against the Client Indemnified Persons that the XCare.net Software
and/or the Modified XCare.net Software infringes any person's intellectual
property rights (including, without limitation, copyrights, patents, trade
secrets, trademarks, trademarks, etc.), (ii) any third party Claim brought
against the Client Indemnified Persons relating to the Development Service
provided by XCare.net of the Client Web Site, (iii) any misrepresentation or
breach of the representations and warranties of XCare.net made in this Agreement
or (iv) the nonfulfillment or breach of any covenants or agreements of XCare.net
provided in this Agreement; provided, however, that in each case (A) XCare.net
is given prompt notice of, and shall be given the opportunity to undertake and
conduct the defense of, any such claim, (B) the Client shall cooperate fully
with XCare.net in all material respects with any such defense and all related
settlement negotiations, (C) Client provides XCare.net with all reasonably
necessary assistance, information and authority to perform the foregoing at
XCare.net's expense and (D) XCare.net shall keep the Client fully advised of all
significant developments and shall not enter into a settlement of any claim on
behalf of the Client without the Client's prior written approval, which approval
shall not be unreasonably withheld.

     (c) Limitations on Indemnification.

          (i) XCare.net shall have no liability for any claim of infringement
     pursuant to clause (a)(i) and (a)(ii) based on (i) use by Client of other
     than the current update (which current update has been provided to Client)
     of the XCare.net Software as long as such infringement would have been
     avoided by uses of the current update provided to Client; (ii)
     modifications, adaptations or changes to the XCare.net Software or
     Modified XCare.net Software not made by XCare.net which such modifications,
     adaptations or changes have caused such infringement, (iii) the combination
     or use of the materials furnished hereunder with materials not furnished by
     XCare.net if such infringement would have been avoided by use of the
     XCare.net materials alone or (iv) Modified XCare.net Software which
     infringement was solely a result of the addition of Content or Modified
     Content. In the event the XCare.net Software is held to, or XCare.net
     believes is likely to be held to, infringe the intellectual property rights
     of a third party, XCare.net shall have the right at its sole option and
     expense to (i) substitute or modify the XCare.net Software so that it is
     non-infringing and qualitatively and functionally equivalent to the
     XCare.net Software; (ii) obtain for Client a license to continue using the
     XCare.net

                                       10
<PAGE>   12

     Software; or if neither (i) nor (ii) is commercially reasonable, XCare.net
     shall have the right to terminate this Agreement immediately upon written
     notice to Client, and XCare.net shall make immediate payment to Client of
     an amount equal to the fees paid for the XCare.net Software and Development
     Services.

          (ii) XCare.net shall have no liability for any claim of
     indemnification pursuant to clause (a)(iv) based on (i) any negligent act
     or omission on the part of Client or (ii) Client's failure to comply with
     its obligations hereunder.

6.2  CLIENT.

     (a) Representations and Warranties.

          (i) it has the full right, power and authority to enter into this
     Agreement;

          (ii) this Agreement is the legal, valid and binding obligation of
     Client, enforceable against it in accordance with its terms, subject to any
     applicable bankruptcy, reorganization, insolvency or any other laws
     affecting creditor's rights generally or by general principles of equity;
     and

          (iii) the use of Content as contemplated herein shall not infringe the
     copyright, trademark or other intellectual property rights of any party, or
     constitute defamation, invasion of privacy, or the violation of any right
     of publicity or any other right of any party.

     (b) Indemnification. Client shall indemnify, defend and hold harmless
XCare.net, its officers, directors, agents and affiliates (the "XCare.net
Indemnified Persons") from and against any and all claims, actions, damages,
losses, costs, liabilities and expenses (including without limitation,
reasonable attorneys' fees) sustained or incurred by the XCare.net Indemnified
Persons as a consequence of (i) any third party Claim brought against the
XCare.net Indemnified Persons relating to the Content or Modified Content, (ii)
any third party Claim brought against the XCare.net Indemnified Persons relating
to the Modified XCare.net Software, (iii) any misrepresentation or breach of the
representations and warranties of the Client made in this Agreement or (iv) the
nonfulfillment or breach of any covenants or agreements of the Client provided
in this Agreement; provided, however, that in each case (A) the Client is given
prompt notice of, and shall be given the opportunity to undertake and conduct
the defense of, any such claim, (B) XCare.net shall cooperate fully with the
Client in all material respects with any such defense and related settlement
negotiations, (C) Client provides XCare.net with all reasonably necessary
assistance, information and authority to perform the foregoing at Client's
expense and (D) the Client shall keep XCare.net fully advised of all significant
developments and shall not enter into a settlement of any claim on behalf of
XCare.net without XCare.net's prior written approval, which approval shall not
be unreasonably withheld.

     (c) Limitations on Indemnification.

          (i) Client shall have no liability for any claim of infringement
     pursuant to clause (a)(i) and (a)(ii) based on Modified XCare.net Software
     which infringement was not due to the addition of Content of Modified
     Content. In the event the Modified

                                       11
<PAGE>   13

     XCare.net Software is held to, or Client believes is likely to be held to,
     infringe the intellectual property rights of a third party, Client shall
     have the right at its sole option and expense to (i) substitute or modify
     the XCare.net Software so that it is non-infringing and qualitatively and
     functionally equivalent to the XCare.net Software; (ii) obtain for
     XCare.net a license to continue using the XCare.net Software; or if
     neither (i) nor (ii) is commercially reasonable, Client shall have the
     right to terminate this Agreement immediately upon written notice to
     Client, and XCare.net shall make immediate payment to Client of an amount
     equal to the fees paid for the XCare.net Software and Development Services.

          (ii) Client shall have no liability for any claim of indemnification
     pursuant to clause (a)(iv) based on (i) any negligent act or omission on
     the part of XCare.net or (ii) XCare.net's failure to comply with its
     obligations hereunder.

                                   ARTICLE VII

                            LIMITATIONS ON LIABILITY

     EXCEPT IN CONNECTION WITH SECTION 6.1 OR 6.2, THE MAXIMUM LIABILITY OF
XCARE.NET, ITS DIRECTORS, OFFICERS, PARENT COMPANY, AND, AFFILIATES, TO CLIENT
FOR DAMAGES RELATING TO XCARE.NET'S FAILURE TO PERFORM SERVICES HEREUNDER SHALL
BE LIMITED TO AN AMOUNT EQUAL TO THE TOTAL FEES PAID BY CLIENT TO XCARE.NET WITH
RESPECT TO SUCH SERVICES.

                                  ARTICLE VIII

                              TERM AND TERMINATION

8.1  TERM.

     Subject to this Article VIII, the term of this Agreement shall commence on
the Effective Date and continue until terminated by either party pursuant to
Section 8.2 or 8.3 below.

8.2  TERMINATION FOR CAUSE.

     This Agreement may be terminated by (A) either party in the event of (i)
mutual written agreement of the parties; (ii) any material default in, or
material breach of, any of the terms and conditions of this Agreement by the
other party, which default continues in effect after the defaulting party has
been provided with written notice of default and thirty (30) days to cure such
default; (iii) the commencement of a voluntary case or other proceeding seeking
liquidation, reorganization or other relief with respect to either party of its
debts under any bankruptcy, insolvency, or other similar law now or hereafter in
effect, that authorizes the reorganization or liquidation of such party or its
debt or the appointment of a trustee, receiver, liquidator, custodian or other
similar official of it or any substantial part of its property; (iv) either
party's consent to

                                       12
<PAGE>   14

any such relief or to the appointment of or taking possession by any such
official in an involuntary case or other proceeding commenced against it; or (v)
either party's making a general assignment for the benefit of creditors; or
either party's becoming insolvent; or either party taking any corporate action
to authorize any of the foregoing, (B) by Client pursuant to Section 6.2(c)(i)
and (C) by XCare.net pursuant to Section 6.1(c)(i).

8.3  EFFECT OF TERMINATION.

     (a) If this Agreement is terminated by XCare.net pursuant to Sections
8.2(A)(ii)-(v), while XCare.net is performing any Development Services for
Client hereunder, Client shall immediately pay XCare.net the total fees actually
incurred to date by XCare.net associated with such incomplete project, as well
as all amounts due and owing for any projects already completed by XCare.net
hereunder or for any third-party products or services purchased by XCare.net on
Client's behalf. The foregoing shall be without limitation to XCare.net's rights
and remedies under this Agreement. Termination of the Agreement shall be in
addition to, and not in lieu of, any equitable or legal remedies available to
either party.

     (b) If this Agreement is terminated by Client pursuant to Sections
8.2(A)(ii), Client shall not be obligated to pay any further fees pursuant to
this Agreement other than fees for Delivery Services already performed for
Client. The foregoing shall be without limitation to Client's rights and
remedies under this Agreement. Termination of the Agreement shall be in addition
to, and not in lieu of, any equitable or legal remedies available to either
party.

8.4  SURVIVAL.

     Articles III, V, VII, VIII, IX and X shall survive any termination or
expiration of this Agreement; provided, however, that (i) if this Agreement is
terminated by XCare.net pursuant to Section 8.2 above (other than Section
8.2(i)), then Section 3.2 shall not survive and (ii) if this Agreement is
terminated by Client pursuant to Section 8.2 above (other than Section 8.2(i))
then Section 3.3 shall not survive.

                                   ARTICLE IX

                                 CONFIDENTIALITY

9.1  CONFIDENTIAL INFORMATION.

     Each party acknowledges that, in connection with the performance of this
Agreement, it may receive certain confidential or proprietary technical and
business information and materials of the other party ("Confidential
Information").

9.2  CONFIDENTIALITY.

     Each party hereby agrees: (i) to hold and maintain in strict confidence all
Confidential Information of the other party and not to disclose it to any third
party; and (ii) not to use any Confidential Information of the other party
except as permitted by this Agreement or as may be necessary to perform its
obligations under this Agreement. Each party will use at least the same degree
of care to protect the other party's Confidential Information as it uses to
protect its own

                                       13
<PAGE>   15

Confidential Information of like importance, and in no event shall such degree
of care be less than reasonable care.

9.3  EXCEPTIONS.

     Notwithstanding the foregoing, the parties agree that Confidential
Information will not include any information that: (i) is or becomes generally
known or is or becomes part of the public domain through no fault of the other
party, (ii) the first party authorizes to be disclosed; (iii) is rightfully
received by the other party from a third party without restriction on disclosure
and without breach of this Agreement; or (iv) is known to the other party on the
Effective Date from a source other than the first party, and not subject to a
confidentiality obligation.

9.4  INJUNCTIVE RELIEF.

     Each party acknowledges that any breach of the provisions of this Article
IX may cause irreparable harm and significant injury to an extent that may be
extremely difficult to ascertain. Accordingly, each party agrees that the other
party will have, in addition to any other rights or remedies available to it at
law or in equity, the right to seek injunctive relief to enjoin any breach or
violation of this Article IX.

                                    ARTICLE X

                               GENERAL PROVISIONS

10.1 FORCE MAJEURE.

     In the event that either party is unable to perform any of its obligations
under this Agreement or to enjoy any of its benefits because of any event beyond
the control of the affected party including, but not limited to, natural
disaster, acts of God, actions or decrees of governmental bodies or failure of
communication lines (a "Force Majeure Event"), the party who has been so
affected shall promptly give written notice to the other party and shall use its
best efforts to resume performance. Upon receipt of such notice, all obligations
under this Agreement shall be immediately suspended for the duration of such
Force Majeure Event.

10.2 NOTICE.

     All notices, demands, requests or other communications required or
permitted under this Agreement will be deemed given when (i) delivered
personally; (ii) five (5) days after having been sent by registered or certified
mail, return receipt requested, postage prepaid; or (iii) one (1) day after
deposit with a commercial overnight carrier, with written verification of
receipt.

10.3 WAIVER.

     Waiver of any breach or failure to enforce any term of this Agreement shall
not be deemed a waiver of any breach or right to enforce which may thereafter
occur. No waiver shall be valid against any party hereto unless made in writing
and signed by the party against whom enforcement of such waiver is sought and
then only to the extent expressly specified therein.

                                       14
<PAGE>   16

10.4 SEVERABILITY.

     In the event any one or more of the provisions of this Agreement shall for
any reason be held to be invalid, illegal or unenforceable, the remaining
provisions of this Agreement shall be unimpaired and the parties will substitute
a new enforceable provision of like economic intent and effect.

10.5 GOVERNING LAW.

     This Agreement, the rights and obligations of the parties hereto, and any
claims or disputes thereto, shall be governed by and construed in accordance
with the laws of the State of New York without reference to conflict of law
principles.

10.6 ASSIGNMENT.

     Neither party shall have the right to assign this Agreement without the
prior written consent of the other party; provided, that either party shall have
the right to assign this Agreement to any person or entity that acquires or
succeeds to all or substantially all of such party's business or assets upon
written notice to the other party.

10.7 PUBLICITY.

     Within a time frame mutually agreed upon by the parties, the parties may
issue a joint press release announcing the existence of this Agreement which
shall be mutually agreed upon by the parties. Neither party will use the other
party's name, domain name, logo, trademark or service mark in advertising or
publicity without obtaining the other party's prior written consent; provided,
however, that XCare.net shall have the nonexclusive right and license to use
Client's name and Client Web Site name, including the URL (Uniform Resource
Locator) thereto, as a Client reference, and as part of XCare.net's client
portfolio. XCare.net shall also have the right to display its name and logo, as
well as a link to the XCare.net site, on the Client Web Site(s), and to receive
credit as the developer of the Client Web Site(s), (collectively, the "Credit").
Such Credit shall appear on the "home page" of the Client Web Site(s) in a
position that provides reasonable and appropriate visibility to XCare.net in
light of industry standards and Client's requirements.

10.8 ADDITIONAL ACTIONS AND DOCUMENTS.

     Each of the parties hereto hereby agrees to take or cause to be taken such
further actions, to execute, deliver and file or cause to be executed, delivered
and filed such further documents, and will obtain such consents, as may be
necessary or as may be reasonably requested in order to fully effectuate the
purposes, terms and conditions of this Agreement.

10.9 HEADINGS.

     Section headings contained in this Agreement are inserted for convenience
or reference only, shall not be deemed to be a part of this Agreement for any
other purpose, and shall not in any way define or affect the meaning,
construction or scope of any of the provisions hereof.

                                       15
<PAGE>   17

10.10 EXECUTION IN COUNTERPARTS: FACSIMILE SIGNATURES.

     This Agreement may be executed in several counterparts, each of which shall
be deemed to be an original, and all of which, when taken together, shall
constitute one and the same instrument. Facsimile counterpart signatures to this
Agreement shall be acceptable and binding.

10.11 INDEPENDENT CONTRACTORS.

     The relationship of the parties hereunder shall be that of independent
contractors. Nothing herein shall be construed to constitute a partnership
between or joint venture of the parties, nor shall either party be deemed the
agent of the other or have the right to bind the other in any way without the
prior written consent of the other.

10.12 JURISDICTION.

     All disputes arising out of or relating to this Agreement shall be
submitted to the non-exclusive jurisdiction of the state and federal courts
encompassing Denver, Colorado, and each party irrevocably consents to such
personal jurisdiction and waives all objections thereto.

10.13 ENTIRE AGREEMENT.

     This Agreement (and any Schedules hereto) constitutes the entire agreement
and understanding between XCare.net and the Client and supersedes any prior
agreement or understanding, oral or written, relating to the subject matter of
this Agreement. All modifications and amendments to this Agreement must be in
writing and signed by both parties.

                                       16
<PAGE>   18
SCHEDULE   1

This Schedule describes Services to be provided by XCare.net to Client under
this Development Services Agreement dated March 31, 2000.

Description of Work:

The following statement of work covers the Lamar.com Phase I Prototype
Development and newco operating set-up fees as described below.

Deliverables: The following deliverables are included in Schedule "A".

Fee Schedule: XCare.net will bill client actual vendor software and integration
services fees. An estimate of these fees are included in Schedule "A."
XCare.net's hourly rate is $ * /hr for project services.

XCare.net and Client Contacts: XCare.net client contact: Lorine Sweeney -
303-488-2019 ext. 224. Client contact: Eric McAfee - 212-307-3580.

XCARE.NET                              CLIENT: LAMAR.COM, INC.

By: /s/ PETER CHEESBROUGH              By: /s/ ERIC McAFEE
-----------------------------------    ------------------------------------
        Peter Cheesbrough                      Eric McAfee
-----------------------------------    ------------------------------------
          Printed Name                         Printed Name

      Senior Vice President-
     Chief Financial Officer                   Vice President
-----------------------------------    ------------------------------------
             Title                                 Title

          March 31, 2000                       March 31, 2000
-----------------------------------    ------------------------------------
              Date                                  Date

* This confidential information has been omitted and filed separately with the
  Securities and Exchange Commission pursuant to Rule 24B-2 of the Securities
  and Exchange Act of 1934, as amended.<PAGE>   1
[E-MEDX LOGO]                                                  [XCARE.NET LOGO]

                         PRODUCT COLLABORATION AGREEMENT

THIS PRODUCT COLLABORATION AGREEMENT ("Agreement") is made and entered into as
of this 19th day of January 2000 by and between e-MEDx, Inc., a Delaware
corporation ("XCare.net") and, XCare.net, Inc., a Delaware corporation
("XCare.net").

RECITALS:

          o    e-MEDx develops, owns and/or markets software products and
               services accessible through the Internet including but not
               limited those products described in Attachment A, attached hereto
               (collectively and as further defined below, the "e-MEDx
               Product"); and

          o    XCare.net develops, owns and/or markets software products and
               services accessible through the Internet including but not those
               products described in Attachment B, attached hereto (as further
               defined below, the "XCare.net Product"'); and

          o    e-MEDx and XCare.net desire to enter into this Agreement in order
               to integrate the e-MEDx Product and XCare.net Product as Combined
               Product for the use of e-MEDx customers, subscribers and users of
               the e-MEDx Product as well as for the use of XCare.net customers,
               subscribers and users of the XCare.net Product.

          o    The Parties wish to enter into a long-term agreement to allow
               e-MEDx's and XCare.net's customers access to each others products
               as a stand-alone application and/or as an interface to other
               application products.

NOW THEREFORE, in consideration of the mutual covenants contained herein and
other good and valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, the parties hereto, intending to be legally bound, hereby
agree as follows:

          1.   Recitals; Schedules, Exhibits and Attachments. The foregoing
               recitals are true and correct and together with the schedules,
               exhibits and attachments referred to hereinafter are incorporated
               herein by this reference.

          2.   Definitions. The following terms when used in this Agreement
               shall have the meanings indicated below:

                  (a)      Application Program means the application software
                           programs developed to integrate the XCare.net Product
                           with the e-MEDx Product to derive the Combined
                           Product as a bundled package.

                  (b)      Combined Product means the products resulting when
                           the e-MEDx Product and the XCare.net Product are
                           integrated. The Application Program, if any,
                           developed for each Combined Product is a component of
                           such Combined Product.

                  (c)      End User means that person or entity that uses the
                           Combined Product as a part of the e-MEDx Product or
                           the XCare.net Product

<PAGE>   2

                  (d)      End User License Agreement means the standard
                           agreement accompanying each copy of a product which
                           specifies the terms and conditions of the license to
                           use the product granted to the End User.

                  (e)      XCare.net Product means the standard proprietary
                           XCare.net software listed in Attachment B, which
                           includes: (i) the object code form of the computer
                           programs, including but not limited to install code
                           and library structures to allow e-MEDx to build an
                           integrated install package for installation of the
                           Combined Product, in appropriate media; (ii) User
                           Documentation (soft copy in Microsoft Word document
                           format); and (iii) any necessary hardware.

                  (f)      e-MEDx Product means the standard proprietary e-MEDx
                           software listed Attachment A, which includes: (i) the
                           object code form of the computer programs, including
                           but not limited to install code and library
                           structures to allow XCare.net to build an integrated
                           install package for installation of the Combined
                           Product, in appropriate media; (ii) User
                           Documentation (soft copy in Microsoft Word document
                           format); and (iii) any necessary hardware.

                  (g)      User Documentation means the textual written
                           materials relating to the installation and use of the
                           XCare.net Product or the e-MEDx Product which either
                           XCare.net or e-MEDx, as the case may be, normally
                           distributes to End Users of its respective products,
                           and which are made available by such party by
                           distribution hereunder.

          3.   XCare.net Licenses

               XCare.net hereby grants to e-MEDx a nonexclusive license to use
               the XCare.net Product as necessary to develop the Combined
               Product. XCare.net grants to e-MEDx a non-exclusive license, for
               use of the XCare.net Product as a component of the e-MEDx Product
               by End Users in accordance with the terms and conditions of this
               Agreement. XCare.net hereby further grants to e-MEDx the
               nonexclusive right to use and modify the User Documentation to
               XCare.net Product as necessary to create integrated User
               Documentation for the Combined Product for distribution to
               Combined Product End Users. All other rights are hereby reserved
               to XCare.net. XCare.net specifically reserves the right to market
               XCare.net Product to or through any other person or entity in the
               sole discretion of XCare.net. The E-MEDX agrees not to market the
               Combined Product to any other software reseller or Healthcare
               Internet Portal without the express written consent of XCARE.NET.

                  (i)      Trademark Licenses. During the term of this
                           Agreement, e-MEDx is authorized by XCare.net to
                           advertise XCare.net Product as they relate to the
                           Combined Product in advertising media of e-MEDx's
                           choice. XCare.net hereby grants to e-MEDx a
                           nonexclusive license to use the XCare.net trademarks
                           (collectively, the "XCare.net Trademarks") for the
                           purposes and in the context of identifying the origin
                           of XCare.net Product as part of, and in connection
                           with the marketing of, the Combined Product. e-MEDx
                           agrees to include in each advertisement, brochure, or
                           other such use of the XCare.net Trademarks that are
                           federally registered the registered trademark
                           symbol(R) and the following statement:

                           "`[MARK XCare.net]' is a registered trademark of
                           XCare.net"

                           and for the XCare.net Trademarks that are not
                           federally registered, the trademark symbol "TM" and
                           the following statement:

                           "`[MARK XCare.net]' is a trademark of XCare.net"

CONFIDENTIAL                         2 of 2

<PAGE>   3
                          e-MEDx shall not market the Combined Product in any
                          way that implies that XCare.net Product are the
                          proprietary product of e-MEDx or of any party other
                          than XCare.net.

          4.   e-MEDx Licenses

               e-MEDx hereby grants to XCare.net a nonexclusive license to use
               the e-MEDx Product as necessary to develop the Combined Product.
               e-MEDx grants to XCare.net a non-exclusive license, for use of
               the e-MEDx Product as a component of the XCare.net Product by End
               Users in accordance with the terms and conditions of this
               Agreement. e-MEDx hereby further grants to XCare.net the
               nonexclusive right to use and modify the User Documentation to
               eMEDx Product as necessary to create integrated User
               Documentation for the Combined Product for distribution to
               Combined Product End Users. All other rights are hereby reserved
               to e-MEDx. e-MEDx specifically reserves the right to market
               e-MEDx Product to or through any other person or entity in the
               sole discretion of e-MEDx. XCARE.NET agrees not to market the
               Combined Product to any other SOFTWARE RESELLER or Healthcare
               Internet Portal without the express written consent of e-MEDx.

                  (i)      Trademark Licenses. During the term of this
                           Agreement, XCare.net is authorized by e-MEDx to
                           advertise e-MEDx Product as they relate to the
                           Combined Product in advertising media of XCARE.NET's
                           choice. e-MEDx hereby grants to XCare.net a
                           nonexclusive license to use the e-MEDx trademarks
                           (collectively, the "e-MEDx Trademarks") for the
                           purposes and in the context of identifying the origin
                           of eMEDx Product as part of, and in connection with
                           the marketing of, the Combined Product. XCARE.NET
                           agrees to include in each advertisement, brochure, or
                           other such use of the e-MEDx Trademarks that are
                           federally registered the registered trademark
                           symbol (R) and the following statement:

                           "'[MARK e-MEDx]' is a registered trademark of e-MEDx"

                           and for the e-MEDx Trademarks that are not federally
                           registered, the trademark symbol "TM" and the
                           following statement:

                           "'[MARK e-MEDx]' is a trademark of e-MEDx"

                           XCare.net shall not market the Combined Product in
                           any way that implies that e-MEDx Product are the
                           proprietary product of XCare.net or of any party
                           other than e-MEDx.

          5.   Collaborative Obligations.

                  (a)  Mutual Obligations.

                           (i)      Development of Combined Product and Combined
                                    Product User Documentation. The parties
                                    shall collaborate in developing Combined
                                    Product in accordance with the functional
                                    and design specifications and implementation
                                    schedule agreed to for the Combined Product
                                    development project, said specifications and
                                    schedule to become a Project Attachment to
                                    this Agreement as set forth in Attachment E.
                                    The parties shall also collaborate in the
                                    development of User Documentation for the
                                    Combined Product.

                           (ii)     Notification and Record Requirements. Each
                                    party shall notify the other party in
                                    writing of any claim or proceeding involving
                                    the Combined Product no later than ten days
                                    after such party learns of such claim or

CONFIDENTIAL                         3 of 3

<PAGE>   4

                                    proceeding. Each party shall also report
                                    promptly to the other party all claimed or
                                    suspected defects in the Combined Product.

                           (iii)    Compliance with Law. Each party agrees to
                                    comply, and to cause its respective
                                    Distributors to comply, with all applicable
                                    federal, state and local laws and
                                    regulations in performing its duties
                                    hereunder.

          6.   Financial Arrangement. The pricing and other financial
               arrangements for the marketing and sale of the Combined Product
               and e-MEDx Product, in the case of XCare.net, and the marketing
               and sale of the Combined Product and XCare.net Product, in the
               case of e-MEDx, are set for the Attachment F, attached hereto.

          7.   Representations and Warranties. Each party hereby represents and
               warrants to the other party hereto:

                  (a)      that the use or distribution of its products either
                           by themselves or as part of the Combined Product, or
                           the exercise of the licenses granted hereunder, does
                           not and will not violate the intellectual property
                           rights of any third party under applicable copyright,
                           trademark, trade secret or patent laws, and that it
                           has not received a claim or demand related to the
                           infringement, breach or misappropriation of any such
                           rights;

                  (b)      that it is the owner or authorized distributor of its
                           products, that its owned products are original works
                           of authorship created by it, and that it has full
                           power and right to license its products and perform
                           all other terms applicable to it of this Agreement
                           without having to obtain the consent of any third
                           party which has not been obtained prior to granting
                           such license;

                  (c)      that it will honor the terms and conditions of the
                           End User License Agreement including use of its
                           products as part of the Combined Product, and will
                           not make any warranties to End Users other than those
                           contained in the End User License Agreement without
                           obtaining the consent of the other party hereto;

                  (d)      that the media on which it delivers its products will
                           remain free from defects in materials and workmanship
                           for a period of ninety days from the receipt by the
                           End User;

                  (e)      that its products substantially conform to the User
                           Documentation and specifications for same; and

                  (f)      that its products and any updates or other software
                           provided by it to the other party in development of
                           the Combined Product conform to the following Year
                           2000 definition:

                           The applications, systems, software and hardware,
                           including related supporting data and files, will
                           function correctly when dealing with dates/times, and
                           date/time related data in the following manner: (i)
                           said items will accurately process date/time data
                           (including calculating, comparing and sequencing)
                           from, into and between the 20th and 21st centuries,
                           and the years 1999 and 2000 and leap year
                           calculations; (ii) when used in combination with
                           information technology products from other vendors,
                           said items will accurately process time/date data
                           with the other vendor's information technology
                           products; and (iii) said items will neither contain
                           nor create any logical or mathematical inconsistency,
                           will not malfunction, and will not cease to function
                           when processing date/time data.

                           Each party shall promptly repair its products or any
                           other software it provides to the other party for use
                           in development of the Combined Product if
                           non-conformance to

CONFIDENTIAL                         4 of 4

<PAGE>   5

                           this Year 2000 compliance definition is discovered
                           during use or testing, regardless of which party
                           discovers such non-conformance.

          8.   Limitation of Warranties and Liability.

                  (a)      Limitations of Warranties. EXCEPT FOR THE LIMITED
                           WARRANTIES STATED ABOVE, EACH PARTY ACCEPTS THE OTHER
                           PARTY'S PRODUCTS PROVIDED UNDER THIS AGREEMENT "AS
                           IS," WITH ALL FAULTS AND WITHOUT OTHER WARRANTIES OR
                           CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED,
                           INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF
                           MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

                  (b)      Limitation of Liability. EXCEPT AS OTHERWISE PROVIDED
                           IN SECTION 8 OF THIS AGREEMENT, EACH PARTY'S
                           LIABILITY TO THE OTHER PARTY OR ANY OTHER THIRD PARTY
                           FOR A CLAIM OF ANY KIND ARISING AS A RESULT OF, OR
                           RELATED TO THE COMBINED PRODUCTS OR EITHER PARTY'S
                           PRODUCTS OR USER DOCUMENTATION PROVIDED PURSUANT TO
                           THIS AGREEMENT, WHETHER IN CONTRACT, IN TORT
                           (INCLUDING NEGLIGENCE OR STRICT LIABILITY), UNDER ANY
                           WARRANTY, OR OTHERWISE, SHALL BE LIMITED TO MONETARY
                           DAMAGES AND THE AGGREGATE AMOUNT THEREOF FOR ALL
                           CLAIMS RELATING TO ANY PARTICULAR PRODUCT SHALL IN NO
                           EVENT EXCEED AN AMOUNT EQUAL TO THE CUMULATIVE
                           PAYMENTS RECEIVED BY SUCH PARTY UNDER SECTION 5 OF
                           THIS AGREEMENT FOR THE PRODUCTS THAT GIVE RISE TO THE
                           CLAIM. UNDER NO CIRCUMSTANCES SHALL EITHER PARTY BE
                           LIABLE TO THE OTHER PARTY OR ANY THIRD PARTY FOR
                           INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES (INCLUDING
                           LOST PROFITS), EVEN IF SUCH PARTY HAS BEEN ADVISED OF
                           THE POSSIBILITY OF SUCH DAMAGES, OR FOR WARRANTIES
                           GRANTED BY EITHER PARTY OR ANY THIRD PARTY IN EXCESS
                           OF THOSE CONTAINED IN THE OTHER PARTY'S STANDARD END
                           USER LICENSE AGREEMENT. NO ACTION, REGARDLESS OF
                           FORM, ARISING OUT OF THE TRANSACTIONS UNDER THIS
                           AGREEMENT MAY BE BROUGHT BY EITHER PARTY MORE THAN
                           ONE (1) YEAR AFTER THE EVENTS WHICH GAVE RISE TO THE
                           CAUSE OF ACTION OCCURRED.

          9.   Indemnification. Each party shall indemnify and hold harmless the
               other party from all claims, losses, damages, costs and expenses
               (including reasonable attorney's fees) that may arise from:

                  (a)      breaches of its covenants, representations and
                           warranties contained herein, or misrepresentations
                           made by it or its Distributors (Erin and David, we
                           need a definition for Distributor or we need to
                           delete this term as it is currently orphaned in this
                           agreement);

                  (b)      any warranties granted by it or its Distributors in
                           excess of those contained in the other party's
                           standard End User License Agreement;

                  (c)      inadequate installation, maintenance or support by it
                           or its Distributors;

                  (d)      the marketing of the other party's products by it or
                           its Distributors; or

                  (e)      any other act or omission by it or its Distributors
                           not in compliance with this Agreement provided that
                           the party seeking indemnification promptly gives
                           written notice of any claim to the other party;
                           provides any assistance reasonably requested by the
                           indemnifying party for the defense of the claim, and
                           the indemnifying party has complete control of the
                           defense of such claim.

CONFIDENTIAL                         5 of 5
<PAGE>   6

          10.  Confidentiality and Proprietary Rights.

                  (a)      Confidentiality. Each party acknowledges that it has
                           or may, during the course of this Agreement received
                           information relating to the other party's assets,
                           operations, clients, and past, present, and future
                           businesses, including but not limited to
                           developments, technical data, specifications,
                           designs, ideas, product plans, research and
                           development, personal information, financial
                           information, customer lists, business methods and
                           operations, and marketing programs, all of which are
                           proprietary exclusively with such other party and
                           involve trade secrets, know-how, techniques, and
                           combinations of known information of a character
                           regarded by such party as confidential (collectively,
                           "Confidential Information"). Each party acknowledges
                           that all the other party's Confidential Information
                           is material and confidential and greatly affects the
                           goodwill and the effective and successful conduct of
                           such other party and its businesses and operations,
                           and that maintaining confidentiality of the
                           Confidential Information is reasonably necessary to
                           protect the legitimate business interests of such
                           other party. Accordingly, each party hereby agrees to
                           receive all such Confidential Information in strict
                           confidence and that neither it nor any of its
                           officers, directors, representatives, employees or
                           agents (including any consultants, subcontractors or
                           advisors) shall, at any time, directly or indirectly,
                           divulge, reveal or communicate to any third party the
                           existence or the terms of this Agreement or any
                           Confidential Information to any person, firm,
                           corporation or entity whatsoever, or use, pursue or
                           exploit any Confidential Information for its own
                           benefit or for the benefit of others. Each party
                           agrees that, upon demand of the other party, it and
                           its officers, directors, representatives, employees
                           or agents (including any consultants or advisors)
                           shall immediately return to such other party all
                           tangible material pertaining to Confidential
                           Information in its possession or control. Each party
                           shall disclose and enforce in writing the
                           confidentiality provisions of this Agreement with all
                           its officers, directors, representatives, employees
                           or agents (including any consultants, subcontractors
                           or advisors).

                  (b)      Proprietary Rights. Title to the XCare.net Product
                           and all other products, trade secrets and other
                           proprietary information developed independently by
                           XCare.net, including without limitation all
                           copyrights thereto, shall remain with XCare.net at
                           all times. Title to the e-MEDx Product and all other
                           products, trade secrets and other proprietary
                           information developed independently by e-MEDx,
                           including without limitation all copyrights thereto,
                           shall remain with e-MEDx at all times. All software,
                           documentation or other products developed jointly by
                           and between XCare.net and e-MEDx, including
                           derivative works created jointly based on either the
                           XCare.net Product or the e-MEDx Product in the
                           development of the Combined Product shall be jointly
                           owned by XCare.net and e-MEDx and the parties shall
                           cooperate in and bear equally the expenses associated
                           with securing appropriate joint copyright
                           registrations and other forms of intellectual
                           property protection through engagement of mutually
                           acceptable counsel. Additionally, the parties agree
                           to cooperate and share equally the expenses of
                           conducting appropriate "right to use" or infringement
                           investigations prior to marketing the Combined
                           Product, and in the event of any claim based on the
                           Combined Product infringing a third party's
                           intellectual property rights based on the combination
                           of the XCare.net Product and the e-MEDx Product
                           rather than the XCare.net Product or the e-MEDx
                           Product not in combination, the parties shall
                           cooperate and share the expenses and any liability
                           imposed proportionately based on royalties received
                           by each party on sales of the Combined Product.

                           Each party agrees that all tangible objects
                           containing or relating to the other party's products
                           and all copies thereof are the sole and exclusive
                           property of such other party and upon termination of
                           this Agreement for any reason, each party will
                           forthwith return to the other party all of such other
                           party's products and User Documentation,

CONFIDENTIAL                         6 of 6
<PAGE>   7

                           magnetic media, instructions and all other related
                           materials in such party's possession furnished to it
                           hereunder and shall not retain any copies for its use
                           or for any purpose except as otherwise specifically
                           permitted by this Agreement, such as retention of a
                           minimal number of copies as reasonably necessary to
                           fulfill maintenance and support contractual
                           obligations with End Users. Neither party shall copy
                           any of the other party's products at any time for any
                           reason except as specifically permitted by this
                           Agreement. Neither party shall remove, cover, alter
                           or obfuscate any copyright notices or other
                           proprietary notices placed or embedded by the other
                           party on or in any of such other party's products.
                           Each party agrees not to decompile, disassemble, or
                           otherwise reverse engineer the software of the other
                           party's products. Each party agrees to take all
                           reasonable measures to protect the other party's
                           ownership rights and interest in all copyrights,
                           trade secrets, trademarks, service marks and other
                           property. Each party will promptly during the term of
                           this Agreement and thereafter, notify the other party
                           of any actual or suspected unauthorized use or
                           disclosure of such other party's products, User
                           Documentation, copyrights, trademarks, service marks
                           or trade secrets of which it has knowledge and will
                           cooperate fully in the investigation of such
                           unauthorized use or disclosure.

                  (c)      Source Code Escrows. Both parties shall deposit the
                           source code and associated design documentation of
                           all components of such software for their respective
                           Product that is incorporated in the Combined Product
                           as it may be modified from time to time, and, in the
                           event that either party develops new software in
                           order to create the Combined Product, such party
                           agrees to deposit the source code and associated
                           design documentation of all components of such
                           software with a mutually acceptable escrow agent
                           (such source code and documentation hereinafter
                           referred to as the "Deposited Material"). The parties
                           shall enter into an escrow agreement which shall
                           contain instructions to release the Deposited
                           Materials, 1) pursuant to the terms of the Option
                           Agreement, and; 2) otherwise to the party that did
                           not develop them in the event that such party
                           notifies the escrow agent that (i) the developing
                           party has materially breached and fails or refuses to
                           perform under this Agreement; or (ii) any bankruptcy,
                           reorganization, debt arrangement, or proceeding under
                           any bankruptcy or insolvency laws or any dissolution
                           or liquidation proceeding commenced by or against the
                           developing party and as to such case or proceeding
                           not commenced by the developing party, not dismissed
                           within sixty (60) days.

                  (d)      Remedies. In the event of a breach of any of the
                           provisions of this Section, the non-breaching party
                           will not have an adequate remedy in money or damages,
                           and accordingly shall, in addition to any other
                           available legal or equitable remedies, be entitled to
                           an injunction against such breach without any
                           requirements to post bond as a condition of such
                           relief.

          11.  Term and Termination

                  (a)      Term. This Agreement shall be effective on the date
                           set forth above and shall be a three (3) year
                           Agreement unless terminated pursuant to the terms
                           contained below.

                  (b)      Termination. EITHER PARTY MAY TERMINATE THIS
                           AGREEMENT WITHOUT CAUSE WITH NINETY (90) DAYS WRITTEN
                           NOTIFICATION. ADDITIONALLY, this Agreement may be
                           terminated in the event of a material breach. The
                           non-breaching party must provide NINETY (90) DAYS
                           written NOTIFICATION specifying such material breach,
                           if the breaching party fails to cure the breach
                           within a thirty (30) day period.

                  (c)      Automatic Termination. Either party may terminate
                           this Agreement, effective immediately upon written
                           notice, if: (i) all or a substantial portion of the
                           assets of the other party are transferred to an
                           assignee for the benefit of creditors, to a receiver
                           or

CONFIDENTIAL                         7 of 7

<PAGE>   8

                           to a trustee in bankruptcy; (ii) a proceeding is
                           commenced by or against the other party for relief
                           under bankruptcy or similar laws and such proceeding
                           is not dismissed within sixty (60) days; or (iii) the
                           other party is adjudged bankrupt or insolvent. Upon
                           such a termination by either party, the party
                           terminating this Agreement shall be entitled to
                           obtain the release and receive any escrowed source
                           code, object code and documentation for the software
                           included in the Combined Product.

                  (d)      Effect of Termination. All licenses and other rights
                           granted by each party to the other party hereunder
                           shall become null and void upon the termination of
                           this Agreement, except: (i) for the End User licenses
                           for XCare.net or e-MEDx Product previously
                           distributed by e-MEDx or XCare.net or their
                           Distributors, and (ii) for a limited license to
                           e-MEDx or XCare.net to use XCare.net or e-MEDx
                           Product, respectively, for the sole purpose of
                           fulfilling any contractual obligations for
                           maintenance and support services to End Users.

                  (e)      Post-Termination Phase-Out. Each party's right to use
                           the others product as part of the Combined Product as
                           of the effective date of the termination, shall cease
                           one hundred twenty (120) days after the effective
                           date of termination.

          12.  General Provisions.

                  (a)      No Agency. The parties hereto shall at all times be
                           independent contractors and shall so represent
                           themselves to all third parties. The parties hereto
                           acknowledge and agree that this Agreement is intended
                           to create and further a cooperative business alliance
                           relationship, but neither party has granted to the
                           other the right to bind it in any manner or thing
                           whatsoever and nothing herein shall be deemed to
                           constitute either party the agent or legal
                           representative of the other nor to legally constitute
                           the parties as partners, agents or joint ventures of
                           one another. Any purchase order or other document
                           issued by either party which includes the other
                           party's products shall be deemed to be issued only
                           for administrative convenience and no term or
                           condition thereof shall be binding on either party
                           hereto.

                  (b)      Assignment; Binding Nature. Neither party may assign
                           this Agreement or any of its respective obligations
                           hereunder to any third party or entity, and this
                           Agreement may not be involuntarily assigned or
                           assigned by operation of law without the prior
                           written consent of the other party, which consent
                           shall not be unreasonably withheld. Any attempted
                           assignment in contravention of this Agreement shall
                           be null and void as to the alleged assignor and
                           assignee. The provisions hereof shall be binding upon
                           and inure to the benefit of the parties, their
                           successors and permitted assigns.

                  (c)      Insurance. Each party shall maintain insurance and
                           shall include, without limitation, comprehensive
                           general liability, including contract liability, and
                           products liability coverage, and statutory workers'
                           compensation insurance each of limits of at least one
                           million dollars ($1,000,000) and errors and
                           omissions, including intellectual property
                           infringement liability, with limits of at least five
                           million dollars ($5,000,000).

                  (d)      Survival. Sections 4(c)(iv) (Notification and Record
                           Requirements), 4(c)(v) (Compliance with Law), 5
                           (Payment, Order and Shipment), 6 (Representations and
                           Warranties), 7 (Limitation of Warranties and
                           Liability), 8 (Indemnification), 9 (Confidentiality
                           and Proprietary Rights), 10(d) (Effect of
                           Termination), 10(e) (PostTermination Phase-Out), and
                           11 (General Provisions) shall survive termination of
                           this Agreement.

                  (e)      Headings. The section and subsection headings
                           contained in this Agreement are for purposes of
                           convenience and reference only, and shall not affect
                           in any way the meaning or interpretation of this
                           Agreement.

CONFIDENTIAL                         8 of 8
<PAGE>   9

                  (f)      Governing Law: Prevailing Party Recovery. This
                           Agreement shall be governed by the laws of the STATE
                           OF DELAWARE, and any action taken by any party
                           resulting from a dispute regarding the terms of this
                           Agreement shall be heard exclusively in the local
                           Federal or State courts in the venue of the STATE OF
                           DELAWARE and the parties hereto consent to personal
                           jurisdiction in such forum. If either party hereto is
                           required to engage in litigation against the other
                           party hereto, either as plaintiff or as defendant, in
                           order to enforce or defend its rights under this
                           Agreement, and such litigation results in a final
                           judgment in favor of such party (the "Prevailing
                           Party"), then the party against whom said final
                           judgment is obtained shall reimburse the Prevailing
                           Party for all direct, indirect and incidental
                           expenses incurred, including, but not limited to, all
                           attorney's fees, court costs and other expenses
                           incurred throughout all negotiations, trials or
                           appeals undertaken in order to enforce the Prevailing
                           Party's rights hereunder.

                  (g)      Notices. All notices permitted or required under this
                           Agreement shall be effective only if in writing, and
                           shall be deemed to have been given (and received)
                           when personally delivered, or on the next business
                           day after the date on which deposited with a
                           regulated public carrier (e.g., Federal Express),
                           with a return receipt requested or equivalent thereof
                           administered by such regulated public carrier, or
                           when sent via facsimile with confirmation of delivery
                           to the facsimile numbers set forth below for the
                           respective receipt, addressed to the President of the
                           party for whom intended at the address set forth
                           above:

                              If to e-MEDx:           E-MEDx, Inc.
                                                      7201 Wisconsin Avenue
                                                      Suite 620
                                                      Bethesda, Maryland 20814
                                                      Tel. No.: 301.654.8999
                                                      Fax No.: 301.654.8996
                                                      Attn: John Dwyer

                              If to XCare.net:        XCare.net, Inc.
                                                      6400 South Fiddlers
                                                        Green Circle
                                                      14th Floor
                                                      Englewood, CO 80111
                                                      Tel. No.: 303.488.2019
                                                      Fax No.: 303.488.9705
                                                      Attn: Lorine Sweeney

                  (h)      Entire Agreement. This Agreement supersedes any prior
                           agreements or understandings between the parties,
                           whether express or implied or written or oral,
                           including specifically that certain Letter of
                           Understanding between the parties hereto dated
                           December 23, 1999, and constitutes the entire
                           understanding of the parties as to the matters set
                           forth herein. Neither party shall be bound by any
                           representations, warranties, promises, statements or
                           information as to the matters which are the subject
                           of this Agreement, unless such are specifically set
                           forth herein.

                  (i)      Amendment; Waiver. No attempted amendment,
                           modification, termination, discharge or
                           (collectively, "Amendment") of this Agreement shall
                           be effective unless it is in writing and signed by
                           both parties hereto. No waiver of any provision of
                           this Agreement shall be effective unless it is in
                           writing and signed by the party against whom it is
                           asserted, and any such written waiver shall only be
                           applicable to the specific instance to which it
                           relates and shall not be deemed to be a continuing or
                           future waiver.

CONFIDENTIAL                         9 of 9
<PAGE>   10

                  (j)      Force Majeure. Neither party shall be responsible for
                           any failure to perform due to unforeseen
                           circumstances or for causes beyond its control which
                           prevents such party from performing under this
                           Agreement, provided that such party provides notice
                           to the other party describing the circumstances
                           alleged to constitute force majeure. Such party shall
                           be permitted to delay its performance only for as
                           long as the circumstances constituting force majeure
                           are present.

                  (k)      Severability. This Agreement is intended to be
                           performed in accordance with and only to the extent
                           permitted by all applicable laws, ordinances, rules
                           and regulations of the jurisdictions in which the
                           parties do business. If any provision of this
                           Agreement, or the application thereof to any person
                           or circumstances shall, for any reason or to any
                           extent, be invalid or unenforceable, the remainder of
                           this Agreement and the application of such provision
                           to other persons or circumstances shall not be
                           affected thereby, but rather shall be enforced to the
                           greatest extent permitted by law.

                  (l)      Counterparts. This Agreement and any amendments may
                           be executed in one or more counterparts, each of
                           which shall be deemed an original, but all of which
                           together shall constitute one and the same
                           instrument.

                  (m)      Further Assurances. The parties hereto agree to
                           execute and deliver such further instruments and do
                           such further acts and things as may be reasonably
                           necessary or required to carry out the intent and
                           purposes of this Agreement.

         13. PUBLICITY: THE PARTIES SHALL WORK TOGETHER AS MUTUALLY AGREED UPON
         TO ISSUE A PUBLICITY AND GENERAL MARKETING COMMUNICATION CONCERNING THE
         EXECUTION OF THIS AGREEMENT. NEITHER PARTY SHALL ISSUE SUCH PUBLICITY
         AND GENERAL MARKETING COMMUNICATION WITHOUT THE PRIOR WRITTEN CONSENT
         OF THE OTHER PARTY (NOT TO BE UNREASONABLY WITHHELD). NEITHER PARTY
         SHALL DISCLOSE THE TERMS OF THIS AGREEMENT TO ANY THIRD-PARTY OTHER
         THAN TO COUNSEL, AUDITORS AND FINANCIAL ADVISORS EXCEPT AS REQUIRED BY
         LAW.

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement on
         the date set forth above.

                                        E-MEDX:

                                        e-MED, Inc.

                                        By: /s/ DAVID C. BJORK
                                            -------------------------------

                                        Name:   David C. Bjork
                                            -------------------------------

                                        Title:  Executive VP Sales & Mktg.

                                        XCARE.NET:

                                        XCare.net, Inc.

                                        By: /s/ THOMAS M. PIANTO
                                            -------------------------------

                                        Name:   Thomas M. Pianto
                                            -------------------------------

                                        Title:  Sr. VP of Sales & Bus. Div.

CONFIDENTIAL                         10 of 10

<PAGE>   11

                         ATTACHMENT A - e-MEDx PRODUCTS

The following e-MEDx products are incorporated as a part of this agreement.

         1.   MEDADVICE(R) 2001   UTILIZATION/CARE MANAGEMENT/DISEASE MANAGEMENT
                                  SOFTWARE
         2.   e-PHA              PREDICTIVE HEALTH ASSESSMENT TOOLS
         3.   e-IDM              INTEGRATED CHRONIC DISEASE MANAGEMENT PROGRAMS

         possible additions:

         1.   e-CONSULT          PRE-CONSULTATION VISIT FORMS
         2.   e-PSS              PATIENT SATISFACTION SURVEYS

It is intended that certain products be private-labeled and sold by XCare.net as
their own product. For other products the intent is to work in a co-marketing
manner. The responsibilities of each party and financial arrangements for both
types of relationships are described in Attachment F.

PRODUCT DESCRIPTIONS:

MEDADVICE(R) 2001

e-MEDx empowers the desktop of the Utilization Management and Case Management
department(s) with a fully-functioning application suite -- MEDADVICE(R) 2001.
This product supports Utilization and Case Management functions. Major system
components include:

                  o        Referral Management

                  o        Pre-certification and Treatment Authorization
                           Management

                  o        Case Management

                  o        UM Decision-support

                  o        Web-based Authorization Management

                  o        Web-based Inquiries for Providers

e-PHA

e-PHA is a web-based healthcare application that enables care management
organizations and/or employers to assess the health risk of their
members/employees and to take appropriate corrective action.

Through the use of e-PHA patients provide information about themselves that
allows the likelihood that they will need care during the next 12 months to be
predicted with great accuracy. By analyzing and providing health improvement
recommendations and techniques to each respondent, e-PHA helps improve the
wellness of the population. In addition, the product identifies the fraction of
the population with the greatest likelihood of needing care, and provides an
effective way for a care management organization or a Call Center to
pro-actively address those higher-risk individuals.

e-IDM

e-IDM is a web-based healthcare application that enables provider organizations
to efficiently and effectively plan and implement the care of patients with
chronic diseases.

CONFIDENTIAL                         11 of 11
<PAGE>   12

Through the use of e-IDM, a provider can quickly identify the most appropriate
care guidelines for a patient with a chronic disease. The provider can then use
e-IDM to create a plan for the patient based on those guidelines. The plan
contains alerts which will notify the provider both when clinical data suggests
that a change to the plan might be required and when the time has come for some
further action -- eg, an office visit, a phone call to the patient, a test.
e-IDM allows providers to use explicit care plans to manage the care of their
patients -- but in a way that not only does not increase the amount of time that
needs to be spent attending to the patient, but actually decrease the time.

CONFIDENTIAL                         12 of 12
<PAGE>   13

                       ATTACHMENT B -- XCARE.NET PRODUCTS

The following Xcare.net products are incorporated as a part of this agreement.

          1. eXtensible CARE             CLAIMS PROCESSING/MANAGED CARE SYSTEM
          2. EXPERTPRACTICE.COM          CREDENTIALING SOFTWARE
          3. INFOMINERS                  DECISION SUPPORT & AD HOC REPORTING

          possible additions:

          4. MULTI-PAYER ELIGIBILITY     ON-LINE ELIGIBILITY VERIFICATION
          5. MULTI-PAYER REFERRAL        ON-LINE REFERRAL SUBMISSION
          6. MULTI-PAYER CLAIMS          CLAIMS SCRUBBING, ROUTING, STORING AND
                                          CLEARINGHOUSE.

It is intended that certain products be private-labeled OR CO-BRANDED and sold
by e-MEDx as their own product. For other products the intent is to work in a
co-marketing manner. The responsibilities of each party and financial
arrangements for both types of relationships are described in Attachment F.

PRODUCT DESCRIPTIONS:

eXtensible CARE

The eXtensible CARE MCIS provides a powerful back-office application for the
processing of managed care transactions by health plan payers and at-risk
provider organizations. The eXtensible CARE system fully supports each of the
transaction extensions of the XCare.net eHealth products and services.
Additionally, the eXtensible CARE system provides market space differentiation
relative to competition through the inclusion of a managed care information
system into the overall business model, allowing Xcare.net customers to
immediately support transactions on the Internet.

In a single, integrated system, eXtensible CARE's enrollment, claims and
capitation modules handle the full spectrum of managed care products, contracts
and services. Major functionality includes subscriber/member enrollment, group
contracting, billing, broker commissions, provider contracting, utilization
management, claims, capitation and fund accounting, Medicaid and Medicare,
reporting, letter generation and communications tracking. Core modules have been
designed for seamless integration with a suite of best-of-breed partner
applications to provide additional key functions in the areas of case
management, imaging and workflow, physician credentialing and decision support.

EXPERTPRACTICE.COM

EXPERTPRACTICE.COM'S online physician credentialing solution is dedicated to
delivering a full suite of credentialing applications to help providers reduce
the hassle and expense of participation in payer networks and provider panels.
Additionally, the online credentialing solution uses the accessibility and
convenience of the Internet to deliver proven tools that help health care
professionals and their administrative staff save time and money, increase
administrative efficiency, fuel practice growth and enhance professional health
care office operations.

The use of the Internet to deliver the solution benefits customers as they are
never burdened by old, obsolete software. EXPERTPRACTICE.COM'S approach of
offering an online credentialing solution delivers a positive ROI and increases
productivity, efficiency and growth within health care practices.

CONFIDENTIAL                         13 of 13
<PAGE>   14

Features and Benefits:

SNAPPNET --

SNAPPNET outputs custom forms and applications with the single push of a button.
All customers do is create a one-time, in-depth profile that covers the spectrum
of professional and practice data typically asked on credentialing applications
and other related forms. The completed profile is stored in EXPERTPRACTICE.COM's
secure database, which can be accessed and reviewed or updated at any time. When
a new application or form is needed, the customer can choose the appropriate
selection from an extensive library and SNAPPNET automatically inserts the
appropriate information into the requested document.

Check the advantages SNAPPNET delivers:

      o     Allows customers to enter data once and use it unlimited times.

      o     Automatically fills out and prints applications and forms.

      o     Eliminates time-consuming processing of lengthy forms.

      o     Custom pre-entered practice data to suit virtually any credentialing
            document.

      o     Easy access to data for updates and modifications.

      o     Security through password-protected entry.

CREDENTIALSAGENT --

CREDENTIALSAGENT puts customers in control of the credentialing process and
takes away the hassle of completing and managing thousands of pieces of paper.
CREDENTIALSAGENT combines a repository for the health care professional's
credentialing documents (e.g., licenses, malpractice certificates,
educational/CME information, etc.) with a provider-centric credentialing
verification service. It also gives customers an agent who can be the
coordinator and representative to health plan and hospital administrative staff,
alleviating the time consuming process of responding to multiple requests for
credentials.

All customers do is create a profile online and then send EXPERTPRACTICE.COM the
usual credentialing source documents, that are verified in compliance with the
national accreditation organizations. Customers have online access to the file
at all times, so it's easy to stay updated on the verification process and to
update the file just once when changes need to be made.

Once primary source verification is complete, all data is stored in
EXPERTPRACTICE.COM's secure database and refreshed on a real-time basis. We
interact with payers on the customers behalf, so they never again have to
provide information in hardcopy form when they apply for HMO/PPO network
participation or to join a hospital staff. Plus, they will be eligible to
receive new patient referrals and additional revenue more quickly, as
CREDENTIALSAGENT reduces the time it takes payers to complete the credentialing
process from several months to a couple of weeks.

With CREDENTIALSAGENT, customers can:

      o     Control the credentialing process for network participation and
            hospital privileges.

      o     Have online access to files any time to see credentialing status, as
            well as view and change the list of organizations authorized to view
            their information.

      o     Provide authorization to whichever organizations they choose,
            allowing them to view the information at their convenience.

      o     Make a change to the file and have it immediately update all
            affiliated plans and hospitals.

CONFIDENTIAL                         14 of 14

<PAGE>   15

      o     Enjoy the convenience of a single storage and update site for all
            credentialing documents, secured by password protected entry.

      o     Feel confident knowing that credentials receive in-depth
            verification conducted in accordance with standards set by NCQA,
            JCAHO and URAC.

Cut the time between application and new patient referrals from several months
to a couple of weeks (and sometimes even days), thereby increasing practice
revenue.

INFOMINERS

INFOMINERS is a data warehouse solution developed by experts with years of
experience in the managed care industry. The software is written in the language
and context of managed care resulting in data that is organized and presented in
a way that addresses the industry's key challenges. INFOMINERS consolidates
enterprise-wide information into one warehouse environment. As a result, users
can access the same information to support the specific decisions of their
functional area.

Additionally, with INFOMINERS, clients are free from the burden of analyzing
operational systems, evaluating and selecting individual database and
navigational tools, designing the database, and writing the numerous programs
necessary to administer the database. Instead, INFOMINERS provides a
ready-to-install package that is fully compatible with existing information
systems and can be customized to support individual content and report
requirements. The "best of breed" navigational tools incorporated into the
solution are easy to use and totally intuitive. Information is retrieved, viewed
and shared with the click of a mouse. In this user-friendly environment, even
PC- novices can quickly become productive with little or no support from IT.

CONFIDENTIAL                         15 of 15

<PAGE>   16

          ATTACHMENT C -- XCARE.NET TRAINING & CONSULTATION PLAN

XCare.net is obligated and has incentive to provide adequate training to the
e-MEDx sales team. The training program will be designed to enable the e-MEDx
sales team to be productive as quickly as possible after the start of this
Agreement.

At a minimum, this program will include (for each product):

          1.   A PowerPoint Slide Presentation

          2.   Product Highlight Sheets

          3.   Pricing and Packaging

          4.   Availability to a Demonstration of the product

          5.   Appropriate amount of discussion and training by a qualified
               instructor

XCare.net will participate in a two-day e-MEDx Sales Meeting that will be
devoted to sales training and will be scheduled within the first two months of
this agreement. Participation in future sales meetings will be scheduled on an
as needed basis.

NOTE: All expenses for travel and expenses will be the responsibilities of the
parties incurring the expenses (there will be no billing of expenses to the
other parties).

CONFIDENTIAL                         16 of 16

<PAGE>   17
          ATTACHMENT D -- E-MEDX TRAINING & CONSULTATION PLAN

e-MEDx is obligated and has incentive to provide adequate training to the
XCare.net sales team. The training program will be designed to enable the
XCare.net sales team to be productive as quickly as possible after the start of
this Agreement.

At a minimum, this program will include (for each product):

          6.   A PowerPoint Slide Presentation

          7.   Product Highlight Sheets

          8.   Pricing and Packaging

          9.   Availability to a Demonstration of the product

          10.  Appropriate amount of discussion and training by a qualified
               instructor

e-MEDx will participate in a two-day XCare.net Sales Meeting that will be
devoted to sales training and will be scheduled within the first two months of
this agreement. Participation in future sales meetings will be scheduled on an
as needed basis.

NOTE: All expenses for travel and expenses will be the responsibilities of the
parties incurring the expenses (there will be no billing of expenses to the
other parties).

CONFIDENTIAL                         17 of 17
<PAGE>   18

              ATTACHMENT E -- COMBINED PRODUCT PROJECT DESCRIPTION

Initially, the combined product will be the combination of XCare.net's
eXtensible CARE (claims management) product with e-MEDx's MedAdvice(R) 2001
(utilization & case management) product. The coupling of these products is
contemplated as follows:

      PHASE 1

      o     Provider File Interface (x.12)

      o     Member Eligibility Interface (x.12)

      o     Authorization Interface (x.12)

      PHASE 2

      o     Benefits Interface

      o     Auto Authorization Process (web-based auths)

      PHASE 3

      o     Infominers Decision Support and Reporting Tool Integration

      FUTURE

      o     ExpertPractice.com Integration

CONFIDENTIAL                         18 of 18

<PAGE>   19

                      ATTACHMENT F -- FINANCIAL ARRANGEMENT
                      -------------------------------------

CO-MARKETING ARRANGEMENT

         DEFINITION: The organization that owns the software sells, installs,
         and supports their product. The co-marketing partner invites the
         product author/owner into a prospective opportunity to sell their
         product. All costs associated with the sale are the responsibility of
         the product author/owner.

         PRODUCTS: The following products are being categorized as co-marketed
         products:

                   XCARE.NET PRODUCTS:
                   eXtensible CARE

                   E-MEDX PRODUCTS:
                   MedAdvice(R) 2001

         FEES: Co-marketing fees for this relationship are set at  *  for both
         all co-marketed products. The author pays the co-marketer  *  of the
         (projected) first-year revenue in recognition of the introduction/lead.
         This payment is due upon receipt of  *  of the first year (projected)
         revenues.

PRODUCT RESELLING ARRANGEMENT

         DEFINITION: The selling organization to take full sales, installation,
         support and training responsibilities for all products, regardless of
         the organization that owns/authors the products.

         PRODUCTS: The following products are being categorized as co-marketed
         products:

               COMBINED PRODUCT: XCARE.NET WILL HOST THE SERVER AND PROVIDE ALL
               EQUIPMENT REQUIRED TO SUPPORT THE COMBINED PRODUCT. ADDITIONALLY,
               XCARE.NET WILL PROVIDE THE FIRST LEVEL OF SUPPORT, INSTRUCTION,
               AND OTHER SUPPORT TO NEW COMBINED PRODUCT END USERS REGARDING THE
               USE OF THE COMBINED PRODUCT IN ACCORDANCE WITH THE PLAN SET FORTH
               IN ATTACHMENTS C AND D ATTACHED HERETO.

               XCARE.NET PRODUCTS:

               ExpertPractice.com     Credentialing for Physicians (REVENUE
                                      SHARING BASED ON PROFIT MARGIN)
               Infominers             Decision Support Tools (REVENUE SHARING
                                      BASED ON PROFIT MARGIN)

               E-MEDX PRODUCTS:
               e-PHA                  Predictive Health Assessment Tool
               e-IDM                  Integrated CHRONIC Disease Management
                                      Programs

               FEES:                  Revenue splits will be as follows:

<TABLE>
<CAPTION>
PRODUCT                                SALES ORG.        NON-SALES ORG.   SERVER HOST
-------                                ----------        --------------   -----------
<S>                                    <C>               <C>              <C>
ExpertPractice(1)                           *                   *              *
Infominers(1)                               *                   *              *

e-PHA(2)                                    *                   *              *
e-IDM                                       *                   *              *
</TABLE>

* This confidential information has been omitted and filed separately with the
  Securities and Exchange Commission pursuant to Rule 24B-2 of the Securities
  and Exchange Act of 1934, as amended.

CONFIDENTIAL                         19 of 19
<PAGE>   20

      1.   Must be hosted by XCare.net

      2.   Must be hosted by e-MEDx

      (When Server Hosting does not exist, the Sales Organization split is
       increased by  * )

* This confidential information has been omitted and filed separately with the
  Securities and Exchange Commission pursuant to Rule 24B-2 of the Securities
  and Exchange Act of 1934, as amended.

CONFIDENTIAL                         20 of 20

<PAGE>   21
COMPETITIVE SITUATIONS

It is expected that from time to time, e-MEDx and XCare.net will encounter
situations in which they are, or could, compete for the same client's business.
In these situations, the companies will adhere to the policy that the first
organization into an account will be the organization that works to win the
business -- the other organization will professionally exit the opportunity, and
promote the remaining party to the client. When extenuating circumstances (like
a special connection or other reason) may improve the chances of one
organization to win an opportunity over the other, or when there is
confusion/disagreement about who was in first, these situations will be
escalated to the designated senior executives within each company, and a
decision will be made at that level.

Those currently designated for this role are:

                         For e-MEDx:         David C. Bjork
                                             EVP, Sales & Marketing

                         For XCare.net:      Tom Pianko
                                             SVP, Sales & Business Development

PRICING

Retail pricing for products identified within this agreement is the
responsibility of the owner/author of the software. Prices will be market-driven
and published on a quarterly basis for the Reseller. Special pricing
considerations that have not be contemplated in the published pricing (i.e.
large volume deals) will be determined on a case-by-case basis by the designated
senior executives within each company.

Those currently designated for this role are:

                         For e-MEDx:         David C. Bjork
                                             EVP, Sales & Marketing

                         For XCare.net:      Tom Pianko
                                             SVP, Sales & Business Development

CONFIDENTIAL                         21 of 21

<PAGE>   22

                      ATTACHMENT F -- FINANCIAL ARRANGEMENT

CO-MARKETING ARRANGEMENT

         DEFINITION: The organization that owns the software sells, installs,
         and supports their product. The co-marketing partner invites the
         product author/owner into a prospective opportunity to sell their
         product. All costs associated with the sale are the responsibility of
         the product author/owner.

         PRODUCTS: The following products are being categorized as co-marketed
         products:

                   XCARE.NET PRODUCTS:
                   eXtensible CARE

                   E-MEDX PRODUCTS:
                   MedAdvice(R) 2001

         FEES: Co-marketing fees for this relationship are set at 10% for both
         all co-marketed products. The author pays the co-marketer 10% of the
         (projected) first-year license or transaction fees in recognition of
         the introduction/lead. This payment is due upon receipt of 50% of the
         first twelve months (projected) cash.

         At the conclusion of the twelve month period, an adjustment will be
         calculated by the product owner/author based on actual license fees
         generated by the client relationship. Once the actual fee is accounted
         for in a mutually agreed upon manner, a check or invoice will be sent
         to the comarketing partner within sixty days after the end of the
         twelve month period.

PRODUCT RESELLING ARRANGEMENT

         DEFINITION: The selling organization to take full sales, installation,
         support and training responsibilities for all products, regardless of
         the organization that owns/authors the products.

         PRODUCTS: The following products are being categorized as co-marketed
         products:

                  COMBINED PRODUCT: XCare.net will host the server and provide
                  all equipment required to support the Combined Product.
                  Additionally, XCare.net will provide the first level of
                  support, instruction, and other support to new Combined
                  Product End Users regarding the use of the Combined Product in
                  accordance with the plan set forth in Attachments C and D
                  attached hereto.

                  XCARE.NET PRODUCTS:
                  ExpertPractice.com         Credentialing for Physicians
                  Infominers                 Decision Support Tools

                  E-MEDX PRODUCTS:
                  e-PHA                      Predictive Health Assessment Tool
                  e-IDM                      Integrated Chronic Disease
                                             Management Programs

CONFIDENTIAL                         19 of 20

<PAGE>   23
         FEES: Revenue splits will be based on the "net license fees" (net of
         any licensing costs to third parties) of the product over the term of
         the agreement. Installation fees, maintenance fees, or other
         resource-based fees are excluded from this agreement. Splits are
         calculated as follows:

<TABLE>
<CAPTION>
PRODUCT                SALES ORG.         NON-SALES ORG.       SERVER HOST
-------                ----------         --------------       -----------
<S>                    <C>                <C>                  <C>
ExpertPractice.com(1)      *                    *                    *
Infominers(1)              *                    *                    *
e-PHA(2)                   *                    *                    *
e-IDM(2)                   *                    *                    *
</TABLE>

         1. Must be hosted by XCare.net, and will be sold by e-MEDx

         2. Must be hosted by e-MEDx, and will be sold by Xcare.net

         (When Server Hosting does not exist, the Sales Organization split is
         increased by  * )

COMPETITIVE SITUATIONS

It is expected that from time to time, e-MEDx and XCare.net will encounter
situations in which they are, or could, compete for the same client's business.
In these situations, the companies will adhere to the policy that the first
organization into an account will be the organization that works to win the
business--the other organization will professionally exit the opportunity, and
promote the remaining party to the client. When extenuating circumstances (like
a special connection or other reason) may improve the chances of one
organization to win an opportunity over the other, or when there is
confusion/disagreement about who was in first, these situations will be
escalated to the designated senior executives within each company, and a
decision will be made at that level.

Those currently designated for this role are:

          For e-MEDx:        David C. Bjork
                             EVP, Sales & Marketing

          For XCare.net:     Tom Pianko
                             SVP, Sales & Business Development

Retail pricing for products identified within this agreement is the
responsibility of the owner/author of the software. Prices will be market-driven
and published on a quarterly basis for the Reseller. Special pricing
considerations that have not be contemplated in the published pricing (i.e.
large volume deals) will be determined on a case-by-case basis by the designated
senior executives within each company.

Those currently designated for this role are:

          For e-MEDx:        David C. Bjork
                             EVP, Sales & Marketing

          For XCare.net:     Tom Pianko
                             SVP, Sales & Business Development

* This confidential information has been omitted and filed separately with the
  Securities and Exchange Commission pursuant to Rule 24B-2 of the Securities
  and Exchange Act of 1934, as amended.

CONFIDENTIAL                         20 of 20

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