Document:

<PAGE>
                                                                   EXHIBIT 10.13

                             ANC RENTAL CORPORATION
                    KEY EMPLOYEE RETENTION PLAN AND AGREEMENT

         This Plan and Agreement (the "Agreement") is made between ANC Rental
Corporation (the "Company") and ___________________________ (the "Participant",
and together with all other participants who have entered into an ANC Rental
Corporation Key Employee Retention Plan and Agreement, the "Participants").

1)       PURPOSE. The purpose of the ANC Rental Corporation Key Employee
         Retention Plan and Agreement (the "Plan") is to retain certain
         employees key to the near-term success of the Company (i) by providing
         a financial incentive for the Participants to remain as employees of
         the Company and participate in achieving the Company's success and (ii)
         by providing security to the Participants generally against
         unanticipated termination of employment.

2)       PARTICIPATION. Only those employees selected by the President of the
         Company shall be eligible to participate in the Plan. The Plan is
         implemented through individualized agreements (the "Agreements")
         entered into between the Company and each Participant, which Agreement
         is set forth herein. The Plan becomes effective with respect to a
         Participant immediately upon such Participant and an appropriate
         officer of the Company executing this Agreement (the "Effective Date").
         The Participant has no more than 14 days from the date he or she
         receives the Agreement to sign and return the Agreement to the Senior
         Vice President of Human Resources of the Company. Eligibility to
         participate in the Plan shall be limited as follows: any Participant
         who purchases the Company or substantially all the assets of the
         Company, or who holds an interest in excess of 1% ownership in an
         entity that purchases the Company or substantially all the assets of
         the Company, shall not be entitled to receive any payments under the
         Plan.

3)       BASE AMOUNT RETENTION PAYMENT. Upon satisfaction of the conditions set
         forth herein, the Participant is eligible to receive a base amount
         retention payment (the "Base Amount Retention Payment") in an amount
         equal to 50% of the Participant's annual base salary as of the
         effective date (the "Annual Base Salary"). On the Effective Date, the
         Participant is fully vested in his or her Base Amount Retention
         Payment.

4)       HOLDBACK RETENTION PAYMENT. Upon satisfaction of the conditions set
         forth herein, the Participant is eligible to receive a holdback
         retention payment (the "Holdback Retention Payment") in accordance with
         the following chart based upon the occurrence of a "Triggering Event"
         (as defined below) and the amount of "Distributable Value" (as defined
         below):

<PAGE>

<TABLE>
<CAPTION>
    TIER I                              $500MM-$699MM Distributable        $700MM-UP Distributable
                                        Value                              Value
    --------------------------------------------------------------------------------------------------------
<S>                                     <C>                                <C>
    Triggering Event on or before       150% of Holdback Retention         150% of Holdback Retention
    12/31/02                            Payment                            Payment
    --------------------------------------------------------------------------------------------------------

    Triggering Event after 12/31/02     125% of Holdback Retention         150% of Holdback Retention
    but on or before 3/31/03            Payment                            Payment
    --------------------------------------------------------------------------------------------------------

    Triggering Event after 3/31/03      100% of Holdback Retention         100% of Holdback Retention
    but on or before 6/30/03            Payment                            Payment
    --------------------------------------------------------------------------------------------------------

    Triggering Event after 6/30/03      50% of Holdback Retention Payment  50% of Holdback Retention
    but on or before 12/31/03                                              Payment
    --------------------------------------------------------------------------------------------------------

<CAPTION>
    TIER II                             $500MM-$699MM Distributable        $700MM-UP Distributable Value
                                        Value
    ----------------------------------- ---------------------------------- ---------------------------------

    Triggering Event on or before       150% of Holdback Retention         150% of Holdback Retention
    12/31/02                            Payment                            Payment
    ----------------------------------- ---------------------------------- ---------------------------------

    Triggering Event on or before       125% of Holdback Retention         150% of Holdback Retention
    3/31/03                             Payment                            Payment
    ----------------------------------- ---------------------------------- ---------------------------------

    Triggering Event on or before       100% of Holdback Retention         100% of Holdback Retention
    6/30/03                             Payment                            Payment
    ----------------------------------- ---------------------------------- ---------------------------------

    Triggering Event after 6/30/03      50% of Holdback Retention Payment  50% of Holdback Retention
    but on or before 12/31/03                                              Payment
    ----------------------------------- ---------------------------------- ---------------------------------
</TABLE>

         A)       Holdback Retention Payment for Tier I shall equal 50% of
                  Annual Base Salary.

                  Holdback Retention Payment for Tier II shall equal 25% of
                  Annual Base Salary.

                  Tier III employees shall receive no Holdback Retention
                  Payments.

         B)       A "Triggering Event" occurs when:

                  1)       With respect to a plan of reorganization of the
                           Company under chapter 11 (a "Plan of
                           Reorganization"), the date upon which the Disclosure
                           Statement is approved by the United States Bankruptcy
                           Court for the District of Delaware (the "Bankruptcy
                           Court"), so long as the Plan of Reorganization is
                           subsequently confirmed by the Bankruptcy Court
                           without material modifications.

                  2)       With respect to a sale, the date upon which a motion
                           seeking approval of the sale of all or substantially
                           all of the operating assets of the Company (a "Sale")
                           is approved, so long as the Sale is subsequently
                           consummated without material modifications.

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         C)       "Distributable Value" shall include cash, securities and other
                  consideration distributed to pre-petition secured, priority
                  and unsecured creditors and shareholders. Distributable Value
                  will not include cure payments paid as part of a confirmed
                  Plan of Reorganization or Sale, or cash or securities
                  distributed or to be distributed to Liberty Mutual Insurance
                  Company ("Liberty") as part of a confirmed Plan of
                  Reorganization or Sale, or any proceeds or consideration
                  realized from the diminution or application of collateral
                  which otherwise secures any pre- or post-petition liquidated,
                  unliquidated or contingent claims of Liberty. The
                  determination of Distributable Value will be agreed to by
                  advisors for the Official Committee of Unsecured Creditors,
                  Lehman Brothers, Inc., Congress Financial Corporation, Liberty
                  Mutual Insurance Company, and the Debtors. If these parties
                  cannot agree on the valuation, the Court shall determine the
                  appropriate valuation.

5)       RIGHT TO PAYMENT OF BENEFITS. The Participant shall have no right to
         receive payment of his or her Retention Payments, and his or her
         Retention Payments shall be forfeited in their entirety, unless he or
         she remains employed until the Retention Payments are payable under
         paragraph 6, except for Participants who will receive Retention
         Payments pursuant to paragraph 6(A)(2). The Participant's entitlement
         to the Retention Payments are conditioned upon the Participant
         executing and delivering on the date that he or she otherwise becomes
         entitled to the Retention Payments the Release and Agreement (the
         "Release") attached as Annex A hereto and not revoking the Release as
         provided therein.

6)       FORM AND TIMING OF PAYMENT OF BENEFITS. The Participant shall be
         entitled to receive his or her Retention Payments which have not been
         forfeited under paragraph 5 as follows:

                  A)       Base Amount Retention Payment:

                  The Participant shall be entitled to receive his or  her Base
                  Amount Retention Payment upon the earliest of:

                  1)       June 30, 2003,

                  2)       The Participant's involuntary termination of
                           employment by the Company "other than for cause" or
                           due to the death or "permanent disability" of the
                           Participant. For purposes of the Plan, termination
                           "for cause" means termination of the Participant by
                           the Company by reason of the Participant's
                           dishonesty; misconduct; unavailability to work other
                           than due to illness or disability; breach of the
                           provisions of any agreement between the Participant
                           and the Company; intentional disclosure to any other
                           person or entity of information which the Company
                           considers proprietary or confidential; or material
                           failure to perform the duties of the Participant's
                           position. A Participant shall also be deemed to have
                           experienced an involuntary termination of employment
                           "other than for cause" if he or she terminates his or
                           her employment within one month after a reduction of
                           the Participant's annual base salary or aggregate
                           level of benefits (other than reductions in benefits
                           applicable to substantially all similarly situated
                           employees); a material reduction in the Participant's
                           level of responsibility; or the Company requiring the
                           Participant (without the Participant's consent) to be
                           based at any location outside a fifty (50) mile
                           radius of his principal location of employment as of
                           the date hereof. A Participant shall be deemed to
                           have become "permanently disabled" for purposes of
                           this Plan if the President of the Company (or in the
                           case of the Chief Executive Officer, the Compensation
                           Committee of the Board), finds, upon the basis of
                           medical evidence satisfactory to him (or it),

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<PAGE>

                           that the Participant is totally disabled, whether due
                           to physical or mental condition, so as to be
                           prevented from engaging in further employment by the
                           Company and that such disability will be permanent
                           and continuous during the remainder of his life;
                           provided that no Participant shall be deemed to have
                           become permanently disabled unless prior to the
                           foregoing determination, the Participant has been
                           determined to qualify for long-term disability
                           benefits under an applicable long-term disability
                           benefit plan of the Company.

                  3)       The closing of a Sale, or

                  4)       Substantial Consummation of a Plan of Reorganization

         The Participant's Base Amount Retention Payment will be paid to him or
         her in a lump sum as soon as practicable following the date on which
         the Participant becomes entitled to such Retention Payment.

         B)       Holdback Retention Payment: The Participant shall be entitled
                  to receive his or her Holdback Retention Payment upon the
                  closing of the Sale, or substantial consummation of a Plan of
                  Reorganization.

7)       EFFECT OF WARN ACT. Any Retention Payments that the Participant is
         entitled to receive shall be reduced by up to sixty days' pay if the
         Participant's termination is deemed covered by the Worker Adjustment
         and Retraining Notification Act.

8)       ADMINISTRATION. The Plan shall be administered by a committee composed
         of three members designated by the Company's Board of Directors (the
         "Committee"). The Committee shall be the named fiduciary and shall have
         the sole discretion and authority to interpret the Plan, determine
         eligibility and amount of benefits, including the sole discretion to
         resolve claims pursuant to Section 9 hereof, to adopt and revise the
         rules and regulations relating to the Plan and to make any other
         determinations it believes necessary or advisable for the
         administration of the Plan.

9)       CLAIMS PROCEDURE

         A)       WRITTEN NOTICE. If a claim for benefits under the Plan is
                  denied, in whole or in part, the claimant shall be notified in
                  writing of the denial, the specific reason for the denial and
                  the Plan provisions on which the denial is based, within 30
                  days after the claim has been filed with the Committee. Such
                  claimant shall also be advised whether any additional material
                  or information is necessary to perfect the claim and shall be
                  provided with an explanation of the reasons why such material
                  is necessary and with an explanation of the Plan's claim
                  review procedure under Section 9.B.

         B)       APPEALS. In the event a claim for benefits under the Plan is
                  denied, in whole or in part:

                  i)       The claimant (or his or her duly authorized
                           representative) shall be entitled to request in
                           writing a review of the denial of his claim by the
                           Committee within ninety (90) days after the claimant
                           received notice of the denial of his or her claim.

                  ii)      The claimant (or his duly authorized representative)
                           may review pertinent Plan documents and submit issues
                           and comments to the Committee in writing.

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<PAGE>

                  iii)     All written claims that are neither granted nor
                           denied in accordance with Section 9.A shall be deemed
                           denied and the claimant shall be deemed to have filed
                           a written request for review.

                  iv)      The decision of the Committee on review shall be
                           rendered within 60 days after the request for review
                           is received by the Committee unless special
                           circumstances require an extension of time for
                           processing the claim, in which case a decision shall
                           be rendered not later than 120 days after receipt of
                           a request for review by the Committee.

                  v)       The claimant shall be furnished with written notice
                           of any such extension of time prior to the
                           commencement of the extension.

                  vi)      If the decision of the Committee on review is not
                           furnished within the time specified in subparagraph
                           (iv) above, the claim shall be deemed denied on
                           review.

                  vii)     The decision of the Committee on review shall be in
                           writing and shall include specific reason for the
                           decision and specific references to the pertinent
                           Plan provisions on which the decision is based.

         All decisions of the Committee relating to a claim for benefits
         hereunder shall be final, binding and conclusive on the Participant.

10)      MISCELLANEOUS PROVISIONS

         A)       The Participant's right and interest under the Plan may not be
                  assigned or transferred. In the case of the Participant's
                  death, payment of benefits due under the Plan shall be made to
                  the Participant's designated beneficiary, or in the absence of
                  a designation, by will or the laws of descent and
                  distribution.

         B)       Neither the Plan nor any actions taken hereunder shall be
                  construed as giving the Participant any right to be retained
                  in the employ of the Company.

         C)       The Plan trustee shall deduct from any benefits paid in cash
                  any taxes required to be withheld by law by the Company or the
                  Plan.

11)      AMENDMENT AND TERMINATION OF PLAN. The Company's Board of Directors may
         amend the Plan with the approval of the Bankruptcy Court in whole or in
         part at any time, provided that the rights of any Participant under the
         Plan at the time of amendment may not be reduced. The Plan shall
         terminate as soon as all benefits have been paid and/or disputes
         resolved. A Participant may not withdraw from this Plan or refuse to be
         bound by the terms hereof without the prior written consent of the
         Company.

12)      GOVERNING LAW. This Plan shall be governed by the laws of the State of
         Florida, except to the extent preempted by federal law.

13)      EFFECTIVE DATE. The Plan and this Agreement shall be effective March
         27, 2002.

14)      WAIVER OF RIGHTS. Upon signing this Agreement and becoming a
         Participant in the Plan, the Participant unconditionally waives any and
         all of his or her rights (i) pursuant to the ANC Rental Corporation Key
         Employee Severance Protection Plan, from which plan the Participant is
         withdrawing upon the execution hereof; (ii) to any severance payment
         under

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<PAGE>

         any other plan or arrangement that the Company maintains for so long as
         the Participant is eligible for or until the Participant receives a
         Retention Payment under the Plan; (iii) to any payments under any
         performance bonus or incentive plan maintained by the Company for so
         long as the Participant is eligible for or until the Participant
         receives a Retention Payment under the Plan.

15)      COURT APPROVAL. The Plan is not effective until it is approved by the
         United States Bankruptcy Court.

                                             ANC RENTAL CORPORATION

                                             By:
                                                -------------------------------

                                             Title:
                                                   ----------------------------

                                             Date:
                                                   ----------------------------

                                                   ----------------------------
                                                         (Employee Name)

                                             Date:
                                                  -----------------------------

                                       6<PAGE>
                                                          EXHIBIT 4.5

                  STOCK OPTION AGREEMENT dated as of September 12, 2000 (the
"Agreement") between MEDICAL MANAGER CORPORATION, a Delaware corporation (the
"Company"), and the other party signatory hereto (the "Participant").

                  WHEREAS, Section 4.4 of the Amended and Restated Employment
Agreement dated as of June 18, 2000 (the "Employment Agreement") by and among
the Company, CareInsite, Inc. ("CareInsite") and the Participant, provides for
the grant to the Participant of a nonqualified stock option to purchase 300,000
shares of common stock, $.01 par value, of the Company (the "Common Shares")
upon the terms and conditions hereinafter set forth and in the Employment
Agreement, subject to the consummation of the transactions contemplated by the
Agreement and Plan of Merger dated February 13, 2000 between Medical Manager and
Healtheon/WebMD Corporation, a Delaware corporation ("Healtheon") as amended by
Amendment No. 1 thereto, dated as of June 18, 2000 (collectively the "Medical
Manager Agreement");

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

                  1.       Confirmation of Grant of Option; Effectiveness.
         Pursuant to a determination by the Stock Option Committee (the
         "Committee") of the Board of Directors of the Company (the "Board"),
         the Company hereby confirms that the Participant has been granted,
         effective as of the date hereof (the "Date of Grant"), and subject to
         the terms and conditions of this Agreement and the Employment
         Agreement, a nonqualified stock option (the "Option") to purchase that
         number of Common Shares specified at the foot of the signature page
         hereof, upon payment of the Option Price specified at the foot of the
         signature page hereof. The Option shall be exercisable as hereinafter
         provided. In the event that the Effective Time (as defined in the
         Medical Manager Agreement) does not occur, the Option shall be null and
         void.

                  2.       Certain Restrictions. The Option may not be sold,
         transferred, assigned, pledged, or otherwise encumbered or disposed of,
         except by will or the laws of descent and distribution; provided,
         however, that the Committee may, subject to such terms and conditions
         as the Committee shall specify, permit the transfer of the Option to
         the Participant's family members, to one or more trusts established in
         whole or in part for the benefit of one or more of such family members
         or to any other entity that is owned by such family members. During the
         Participant's lifetime, the Option shall be exercisable only by the
         Participant or by the Participant's guardian or legal representative.
         Each transferee of the Option by will or the laws of descent and
         distribution shall, as a condition to the transfer thereof, execute an
         agreement pursuant to which it shall become a party to this Agreement.
         Any attempt to sell, transfer, assign, pledge or otherwise encumber or
         dispose of the Option, contrary to the provisions of this Agreement,
         and any levy, attachment or similar process upon an Option shall be
         null and void and without effect, and the Board or the Committee may,
         in its discretion, upon the happening of any such event, terminate the
         Option as of the date of such event.

                  3.       Terms and Conditions of Option. The Option evidenced
         hereby is subject to the following terms and conditions:
<PAGE>

                  (a)      Vesting. Subject to Section 3(b) of this Agreement,
         the Participant's Option shall vest and become exercisable ("Vested
         Options") in accordance with the following schedule:

<TABLE>
<CAPTION>
                           Anniversary of            % of Option
                           Effective Time            Exercisable
                           ---------------------------------------
                           <S>                       <C>
                                1st                           50%
                                2nd                           75%
                                3rd                          100%
</Table>

                  (b)      Option Period. (i) The Option shall not be
         exercisable following the tenth anniversary of the Date of Grant, and
         shall be subject to earlier termination as provided below.

                  (ii) In the event that the Participant's service as an
         Employee is deemed terminated by the Company upon the death of the
         Participant, or the Participant becoming Disabled (as defined in
         Section 5.2(b) of the Employment Agreement), the Option shall remain
         outstanding and continue to vest as set forth above, and shall
         otherwise be treated as if the Participant remained employed by the
         Company or CareInsite during the Applicable Period (as defined in
         Section 5.2(a)(i) of the Employment Agreement), provided, however, that
         the continuation of vesting and exercisability of the Option shall
         cease on the occurrence of a material breach of the covenants set forth
         in Section 6 of the Employment Agreement.

                  (iii)    In the event the Optionee's service as an Employee is
         terminated by the Company or any Subsidiary for Cause or by the
         Optionee without Good Reason (as such terms are defined in Sections
         5.1(b) and 5.5(b), respectively, of the Employment Agreement), (y) the
         unvested portion of the Option shall terminate immediately and the
         Optionee shall have no right after such termination to exercise such
         unvested portion of the Option and (z) the Vested Options shall remain
         outstanding and exercisable for 90 days following the Optionee's
         termination.

                  (iv)     In the event that the Optionee's service as an
         Employee is terminated by the Company without Cause or the Participant
         terminates his employment with the Company for Good Reason, the Option
         shall become fully vested and exercisable as of the date on which his
         employment terminates, and shall remain exercisable by the Participant
         until the tenth anniversary of the date of grant, provided, however,
         that if the Participant incurs a Good Reason event prior to the first
         anniversary of the Effective Time and the Participant resigns his
         employment or his employment is terminated for Cause by the Surviving
         Corporation (as defined in the preambles to the Employment Agreement)
         or CareInsite prior to the first anniversary of the Effective Time, the
         Participant shall forfeit the Option and shall be required to disgorge
         to the Surviving Corporation any gains realized on the exercise of such
         Option (except to the extent that such Option was already vested prior
         to the Participant incurring a Good Reason event). Provided, further,
         that the continuation of vesting and exercisability of the Option shall

                                       2
<PAGE>
         cease on the occurrence of any material breach of the covenants
         contained in Section 6 of the Employment Agreement.

                  (c)      Notice of Exercise. Subject to Sections 3(d), 3(f)
         and 5(b) hereof, the Participant may exercise any or all of the Vested
         Options (to the extent not forfeited) by giving written notice to the
         Vice President of Finance of the Company at its principal business
         office. The date of exercise of the Vested Options shall be the later
         of (i) the date on which the Vice President of Finance of the Company
         receives such written notice or (ii) the date on which the conditions
         provided in Sections 3(d), 3(f) and 5(b) hereof are satisfied.

                  (d)      Payment. Prior to the issuance of a certificate
         pursuant to Section 3(g) hereof evidencing Common Shares, the
         Participant shall have paid to the Company the Option Price of all
         Common Shares purchased pursuant to exercise of the Option, in cash or
         by certified or official bank check, and all applicable tax withholding
         obligations as provided in Section 5(b) of this Agreement. The Option
         Price may also be payable by a "cashless" exercise procedure through a
         broker and approved by the Committee.

                  (e)      Shareholder Rights. The Participant shall have no
         rights as a shareholder with respect to any Common Shares issuable upon
         the exercise of the Option until a certificate or certificates
         evidencing such shares shall have been issued to the Participant, and
         no adjustment shall be made for dividends or distributions or other
         rights in respect of any share for which the record date is prior to
         the date upon which the Participant shall become the holder of record
         thereof.

                  (f)      Limitation on Exercise. (i) The Common Shares issued
         upon exercise of the Option shall be issued only to the Participant or
         a person permitted to exercise the Option pursuant to Section 3(b)(ii).
         Each share certificate representing Common Shares purchased upon
         exercise of the Option shall bear a legend stating that the Common
         Shares evidenced thereby may not be sold or transferred except in
         compliance with the Securities Act of 1933, as amended (the "1933 Act")
         and the provisions of this Agreement. The certificate(s) may be made
         subject to a stop transfer order placed with the Company's transfer
         agent.

                  (ii)     The Option shall not be exercisable unless and until
         (A) a registration statement under the 1933 Act has been duly filed and
         declared effective pertaining to the Common Shares subject to such
         Option and such Common Shares shall have been qualified under
         applicable state "blue sky" laws, or (B) the Committee in its sole
         discretion determines that such registration and qualification is not
         required as a result of the availability of an exemption from such
         registration and qualification under such laws. The Company shall use
         all reasonable efforts to file a registration statement with the
         Securities and Exchange Commission on Form S-8 with respect to the
         Common Shares subject to an Option on or prior to the date on which
         such Option becomes exercisable. The Company shall have no obligation
         to issue any Common Shares pursuant to the exercise of an Option if the
         Company reasonably determines at the time of such exercise that the
         issuance of Common Shares at such time would violate applicable law
         with respect to insider trading or otherwise, or then existing policies
         of the Company

                                       3
<PAGE>
         applicable to employees of the Company or its Subsidiaries holding
         options to purchase Common Shares.

                  (g)      Issuance of Certificate. As soon as practicable
         following the exercise of any Option, a certificate evidencing the
         number of Common Shares issued in connection with such exercise shall
         be issued in the name of the Participant.

                  4.       Representations and Warranties. The Participant is
aware of and familiar with the restrictions imposed on the transfer of any
Option. The Participant represents that this Agreement has been duly executed
and delivered by the Participant and constitutes a legal, valid and binding
agreement of the Participant, enforceable against the Participant in accordance
with its terms, except as limited by any applicable bankruptcy, insolvency,
reorganization, moratorium or similar law affecting creditors' rights generally
and by general principles of equity. It shall be a further condition to the
Company's obligation to issue and deliver to the Participant certificates for
Common Shares upon exercise of an Option that the Participant deliver to the
Company in writing a representation that the Participant is exercising such
Option for his own account and, unless the Common Shares are then registered
under the 1933 Act, for investment only and not with a view to distribution and
that the Participant will not make any sale, transfer or other disposition of
any Common Shares purchased except (i) pursuant to the registration thereof
under the 1933 Act, (ii) pursuant to an opinion of counsel satisfactory in form
and substance to the Company that the sale, transfer or other disposition may be
made without registration, or (iii) pursuant to a "no-action" letter from the
Securities and Exchange Commission. The Participant has been advised and
understands that the Common Shares must be held indefinitely unless they are
registered for resale under the 1933 Act or an exemption from registration is
available.

                  5.       Miscellaneous.

                  (a)      No Rights to Grants or Continued Employment. Neither
this Agreement nor any action taken or omitted to be taken hereunder or
thereunder shall be deemed to create or confer on the Participant any right to
be retained in the employ of the Company, CareInsite or any of their
subsidiaries or affiliates, or to interfere with or to limit in any way the
right of the Company, CareInsite or any of their subsidiaries or affiliates to
terminate the employment of the Participant at any time. The Participant shall
have no rights in the benefits conferred by the Option or in any Common Shares
except to the extent the Option is exercised while vested and exercisable and
otherwise in accordance with the terms of this Agreement. Termination of the
Option by reason of cessation of employment shall not give rise to any claim for
damages by the Participant under this Agreement or the Employment Agreement and
shall be without prejudice to any rights or remedies which the Company,
CareInsite or any of their subsidiaries or affiliates may have against the
Participant.

                  (b)      Tax Withholding. The Company and its subsidiaries
shall have the right to require the Participant to remit to the Company, prior
to the delivery of any certificates evidencing Common Shares pursuant to the
exercise of an Option, any amount sufficient to satisfy any federal, state or
local tax withholding requirements. With the consent of the Company in its sole
discretion, prior to the Company's determination of such withholding liability,
the Participant may make an irrevocable election to satisfy, in whole or in
part, such

                                       4
<PAGE>
obligation to remit taxes by directing the Company to withhold Common Shares
that would otherwise be received by the Participant. Such election may be denied
by the Company in its sole discretion, or may be made subject to certain
conditions specified by the Company, including, without limitation, conditions
intended to avoid the imposition of liability against the Participant under
Section 16(b) of the Exchange Act.

                  (c)      No Restriction on Right of Company to Effect
Corporate Changes. This Agreement shall not affect in any way the right or power
of the Company or its stockholders to make or authorize any or all adjustments,
recapitalizations, reorganizations or other changes in the capital structure or
business of the Company, or any merger or consolidation of the Company, or any
issue of stock or of options, warrants or rights to purchase stock or of bonds,
debentures, preferred or prior preference stocks whose rights are superior to or
affect the Common Shares or the rights thereof or which are convertible into or
exchangeable for Common Shares, or the dissolution or liquidation of the
Company, or any sale or transfer of all or any part of the assets or business of
the Company, or any other corporate act or proceeding, whether of a similar
character or otherwise.

                  (d)      Notice of Exercise. Notwithstanding any other
provision of this Agreement, the Company may, from time to time, require
reasonable notice of the Participant's intent to exercise all or a portion of
the Option in order for the Company to comply with any applicable securities
laws, including, without limitation, Regulation M under the Exchange Act. The
Company shall not be liable for any adverse change in the market value of the
Common Shares during any such notice period.

                  6.       Adjustment.

                  (a)      The number and price per Common Share covered by the
Option, and any other rights under the Option, shall be appropriately adjusted,
as deemed appropriate by the Board or the Committee, as the case may be (whose
good faith determination shall be absolute and binding on the Participant), to
reflect any subdivision (stock split) or consolidation (reverse split) of the
issued Common Shares, or any other recapitalization of the Company, or any
business combination or other transaction involving the Company, which shall
substantially affect the rights of holders of Common Shares. The Committee or
the Board, as the case may be, shall provide for appropriate adjustment of the
Option in the event of stock dividends or distributions of assets or securities
of other companies owned by the Company to stockholders relating to Common
Shares for which the record date is prior to the date the Common Shares
purchased by exercise of the Option are issued or transferred, except that no
such adjustment shall be made for stock dividends of 10% or less (cumulatively,
in the aggregate) or cash dividends.

                  (b)      In the event of a change in the presently authorized
Common Shares which is limited to a change of all of its presently authorized
Common Shares into the same number of shares without par value, or any change of
all of the then authorized Common Shares with par value into the same number of
shares with a different par value, the shares resulting from any such change
shall be deemed to be Common Shares for purposes hereof, and no change in the
number of Common Shares covered by the Option or in the Option Price shall take
place.

                                       5
<PAGE>

                  7.       Survival; Assignment.

                  (a)      All agreements, representations and warranties made
herein and in any certificates delivered pursuant hereto shall survive the
issuance to the Participant of the Option and the Common Shares and,
notwithstanding any investigation heretofore or hereafter made by the
Participant or the Company or on the Participant's or the Company's behalf,
shall continue in full force and effect. Without the prior written consent of
the Company, the Participant may not assign any of his rights hereunder except
by will or the laws of descent and distribution. Whenever in this Agreement any
of the parties hereto is referred to, such reference shall be deemed to include
the heirs and permitted successors and assigns of such party; and all agreements
herein by or on behalf of the Company, or by or on behalf of the Participant,
shall bind and inure to the benefit of the heirs and permitted successors and
assigns of such parties hereto.

                  (b)      The Company shall have the right to assign to any of
its affiliates any of its rights, or to delegate to any of its affiliates any of
its obligations, under this Agreement.

                  8.       Notices. All notices and other communications
provided for herein shall be in writing and shall be delivered by hand or sent
by certified or registered mail, return receipt requested, postage prepaid,
addressed, if to the Participant, to his attention at the most recent mailing
address that the Company has on record and, if to the Company, to it at River
Drive Center 2, 669 River Drive, Elmwood Park, New Jersey 07407-1361, Telecopier
No.: (201) 703-3401, Attention: Vice President of Finance. All such notices
shall be conclusively deemed to be received and shall be effective, if sent by
hand delivery, upon receipt, or if sent by registered or certified mail, on the
fifth day after the day on which such notice is mailed.

                  9.       Waiver. The waiver by either party of compliance with
any provision of this Agreement by the other party shall not operate or be
construed as a waiver of any other provision of this Agreement, or of any
subsequent breach by such party of a provision of this Agreement.

                  10.      Source of Rights. This Agreement and the Employment
Agreement shall be the sole and exclusive source of any and all rights which the
Participant, and the Participant's personal representatives or heirs at law, may
have in respect of the Option as granted hereunder.

                  11.      Captions. The captions contained in this Agreement
are for reference purposes only and shall not affect the meaning or
interpretation of this Agreement.

                  12.      Interpretation and Construction. The good faith
interpretation and construction by the Board or by the Committee of any
provision of this Agreement or any provision of the Employment Agreement
relating to the Option shall be final and conclusive and binding on the parties
hereto.

                  13.      Entire Agreement; Governing Law. This Agreement and
the Employment Agreement set forth the entire agreement and understanding
between the parties hereto and supersede all prior agreements and understandings
relating to the subject matter hereof. This Agreement may be executed in one or
more counterparts, each of which shall be deemed to be an original, but all such
counterparts shall together constitute one and the same agreement. The

                                       6
<PAGE>
headings of sections and subsections herein are included solely for convenience
of reference and shall not affect the meaning of any of the provisions of this
Agreement. This Agreement shall be governed by, and construed in accordance
with, the laws of the State of New Jersey without reference to the choice of law
provisions of New Jersey law.

                                       7
<PAGE>

                  IN WITNESS WHEREOF, the Company has caused this Agreement to
be executed by its duly authorized officer and the Participant has executed this
Agreement, both as of the day and year first above written.

                              MEDICAL MANAGER CORPORATION

                              By:  /s/ Authorized Signatory
                                   --------------------------------
                                   Name:
                                   Title:

                              PARTICIPANT

                               /s/ Marvin P. Rich
                              ------------------------------------
                              MARVIN P. RICH

Number of Options:  300,000

Option Price:  $15 per Common Share

                                       8

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