Document:

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EXHIBIT 10.8

                        PROVANTAGE HEALTH SERVICES, INC.
               END USER LICENSE AGREEMENT FOR PROVANTAGE PRODUCTS

This ProVantage Health Services, Inc. End User License Agreement (the
"Agreement") is entered into as of this 29th day of January, 2000, by and
between ProVantage Health Services, Inc. ("ProVantage"), having its principal
place of business at N19 W24130 Riverwood Drive, Waukesha, WI 53188, and ShopKo
Stores, Inc., including any subsidiaries and affiliates of ShopKo Stores, Inc.
("End User"), having its principal place of business at 700 Pilgrim Way, Green
Bay, WI 54307.

1.   DEFINITIONS. For the purposes of this Agreement, the following terms shall
     have the definitions provided:

1.1       "Confidential Information" means any information disclosed by one
party to the other party marked "confidential" or disclosed under circumstances
that would lead a reasonable person to conclude that the information was
confidential. Notwithstanding the foregoing, regardless of whether they are
marked "confidential" and regardless of the circumstances under which they are
disclosed, the following: (1) when disclosed by ProVantage to End User, shall be
considered ProVantage's Confidential Information: the Products, User
Documentation, inventions, technical specifications, technical know-how, product
development plans, program flowcharts, file layouts, educational materials,
pricing, marketing plans and customer lists or leads; and (2) when disclosed by
End User to ProVantage, shall be considered End User's Confidential Information:
DESCRIPTIONS OF SHOPKO'S STRATEGIC PLANS, DESCRIPTIONS OF SHOPKO'S AND OTHER
ENTITIES' BUSINESS OPERATIONS, FINANCIAL PERFORMANCE FIGURES, FINANCIAL
PROJECTIONS, BUSINESS, CUSTOMERS, COMPUTER SYSTEMS, INVENTORY SYSTEMS,
DISTRIBUTION NETWORKS, STRATEGIES, STORE OPERATIONS, BILLING AND RECEIVABLE
OPERATIONS, HEALTHCARE INFORMATION INCLUDING CLAIMS, STRATEGIES, SYSTEMS
DEVELOPMENT, AND SOFTWARE, TECHNICAL SYSTEMS AND PRODUCT DEVELOPMENT
METHODOLOGIES AND STRATEGIES, MARKETING AND OPERATIONAL PROCEDURES AND
STRATEGIES, FINANCIAL INFORMATION AND PROJECTIONS, BUSINESS PLANS AND CLIENT
LISTS AND OTHER SIMILAR INFORMATION.

1.2       "End User" means any customer that purchases or may purchase one or
more Product or Special Product licenses for use in accordance with this End
User License Agreement. Typically, the End User will be a corporation or other
similar entity.

1.3       "Product(s)" means the designated source, object, script or text form
of the software products as listed in Exhibit A on the platforms specified in
Exhibit A. ProVantage may add to the Products listed in Exhibit A from time to
time.

1.4       "Special Product" means the combination of additional goods or
services and any Product as an integrated solution or application as listed in
Exhibit B.

1.5       "ProVantage Product License Sales Order Form" shall mean the
ProVantage document by which End User orders Product licenses and Technical
Support Services. To be effective, the ProVantage Product License Sales Order
Form must reference this Agreement and its Effective Date and be signed and
dated by both parties.

1.6       "Technical Support Services" shall mean the maintenance and support
provided by ProVantage in accordance with ProVantage's then-current technical
support policies and procedures for the applicable Product(s).

1.7       "User Documentation" means the ProVantage user manual(s) and other
on-line or written materials on the proper installation and use of the Products
or Special Products that are normally distributed with the Products.

2.   RIGHTS GRANTED AND RESTRICTIONS.

2.1       License Grant. Subject to the Fees payable hereunder, ProVantage
hereby grants End-User a non-exclusive, perpetual, non-transferable license to
install and use the Product solely for End User's own internal data processing
operations, and to use the User Documentation in support of such use of the
Product. Use of the Product must be consistent with the type of license grant
specified in the ProVantage Product License Sales Order Form. End User shall not
use the Product except as specified in this Agreement and the applicable
ProVantage Product License Sales Order Form. End User shall assign each Server a
unique identification number.

2.2       License Restrictions. The rights granted in Section 2.1 of this
Agreement are expressly limited to and restricted by the following:
     a. Use of the Product is restricted to designated source, object, script or
     text form for End User's own internal purposes.
     b. Except as explicitly authorized by this Agreement, End User may not
     transfer copy, or duplicate the Product except for temporary transfer in
     the event of computer malfunction and duplication as part of End User's
     routine back-up procedures. End-User shall have no right to

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     manufacture, modify or copy User Documentation unless explicitly set forth
     herein.
     c. End User may not assign the license to use the Product without the
     prior, written consent of ProVantage, which shall not be unreasonably
     withheld.
     d. End User may not use the Product outside of the scope of this Agreement.
     e. End User may not, either directly or through a third party, cause or
     permit the reverse engineering, disassembly or decompilation of the
     Product.
     f. End User may not pass title to the Product.
     g. For Product licensed outside the United States, End User must comply
     fully with all relevant export laws and regulations of the United States to
     ensure that the Product is not exported, directly or indirectly, in
     violation of United States law.
     h. End User must use a commercially reasonable degree of care to protect
     the Confidential Information of ProVantage and prohibit the End User
     employees from, directly or indirectly: (1) using any Confidential
     Information of ProVantage to create any computer software program or user
     documentation that is substantially similar to the Product, or (2) using or
     disclosing Confidential Information of ProVantage, except as authorized by
     this Agreement.
     i. End User must notify ProVantage promptly of any unauthorized use or
     disclosure of ProVantage Confidential Information, and provide reasonable
     assistance to ProVantage in the investigation and prosecution of any such
     unauthorized use or disclosure.
     j. End-User shall not, either directly or through a third party, use the
     Products, the associated source code, or a derivative thereof, or any
     Confidential Information of ProVantage, to create, modify or enhance any
     computer software programs or user documentation unless explicitly set
     forth herein.
     k. End-User shall take all reasonable precautions against unauthorized
     disclosure or copying of Product and further exercise commercially
     reasonable efforts to ensure the security of the Product.
     l. End-User shall not use the Product in a timeshare or service bureau
     environment unless explicitly set forth herein.

3. RESERVATION OF RIGHTS AND REMEDIES. ProVantage reserves all rights not
expressly granted in this Agreement. Use of the terms "sell," "purchase" and
"price" shall not connote transfer of title or ownership.

4. PAYMENT AND PRICING.

4.1  Initial Fees. Upon execution of this Agreement, End-User shall become
obligated to pay to ProVantage the license fee(s) for the Product pursuant to
the schedule set forth in Exhibit A.

4.2  Change in Support Fees. ProVantage may change the annual fees for Technical
Support Services by providing written notice of such change to End User at least
sixty (60) days prior to the expiration of the then current annual renewal term;
provided that in no event shall the annual fee be increased by more than five
percent (5%). End User shall have thirty (30) days after receipt of such notice
to terminate the Technical Support Services.

4.3  Payment Terms.
     a. All payments by End-User under this Agreement shall be made to
     ProVantage in United States dollars and drawn on a United States bank. No
     payment is refundable, except as provided herein.
     b. Except as expressly provided herein or agreed to in writing by
     ProVantage and End-User, payment is due upon receipt by End-User of the
     ProVantage invoice, which invoice shall be sent concurrently with Product
     shipment. Payment is late if received by ProVantage more than thirty (30)
     days after the date of the ProVantage invoice. If payment is late, End-User
     shall pay a late fee on the unpaid balance of one and one-half percent
     (1.5%) per month or the maximum percentage permitted by law, whichever is
     less. End-User agrees to reimburse ProVantage for any and all reasonable
     costs incurred by ProVantage in the collection of any fees due under this
     Agreement and/or repossession of Product, including reasonable attorneys'
     fees.
     c. ProVantage's license fees do not include any national, state or local
     sales, use, value-added or other taxes, customs duties or similar tariffs
     and fees that ProVantage may be required to pay upon delivery of the
     Products or upon collection of the license fees or otherwise. Should any
     tax, levy or other fees be assessed, End-User agrees to pay such tax or
     levy and indemnify ProVantage for any claim for such tax or levy demanded.
     End-User shall provide ProVantage with copies of all End-User certificates.

5.   ORDER FULFILLMENT AND DELIVERY.

5.1  Placement of Orders. End-User shall submit ProVantage Sales Order Forms to
the attention of SALES DEPARTMENT at the address OF PROVANTAGE HEALTH SERVICES,
INC., 1499 SIXTH STREET, GREEN BAY, WI, 54304. Each order shall specify the
Product, name and address of the End User for whose use Product is being
ordered.

5.2  ProVantage Acceptance. All orders for Product by End-User shall be
considered accepted unless ProVantage notifies End-User in writing of the
reason(s) for non-acceptance of such order within ten (10) business days of
receipt of the order. The provisions of End-User's purchase order or other
ordering document shall not apply to any order, notwithstanding ProVantage's
acknowledgment or acceptance of such order.

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5.3  Shipment. All Products will be shipped by ProVantage in the manner
requested by End-User to the End-User's identified facility. End-User shall be
responsible for and pay all packing, freight, and insurance charges for any
shipments made under this Agreement, which charges ProVantage may require
End-User to pay in advance.

5.4  Cancellation. ProVantage reserves the right to cancel any order placed by
End-User and accepted by ProVantage as set forth above, or to refuse or delay
shipment thereof, if End-User fails to make any payment or other obligations as
provided in this Agreement.

6. REPRESENTATIONS AND OBLIGATIONS.

6.1  End-User's Obligations.
     a. Compliance with Law. End-User shall comply with all applicable
     international, national, state, regional and local laws and regulations in
     performing its duties hereunder and in any of its undertakings with respect
     to the Products and Special Products. End-User acknowledges that all
     ProVantage Products and other technical data may be subject to export
     controls imposed by the U.S. Export Administration Act of 1979, as amended
     (the "Act"), and the applicable regulations. End-User shall not export or
     re-export (directly or indirectly) any Products or Special Products without
     complying with the Act and the regulations thereunder.
     b. Costs and Expenses. Except as expressly provided herein or agreed to in
     writing by ProVantage and End-User, End-User shall pay all costs and
     expenses incurred in the performance of End-User's obligations under this
     Agreement.
     c. Product Alteration. End User shall not adopt, alter, create derivative
     works based on, modify or translate the Product in whole or in part.

6.2  End-User Covenants. End-User shall: (i) refrain from deceptive, misleading
or unethical practices related to the Product; (ii) make no false or misleading
representations with regard to the Product; (iii) refrain from publishing or
employing, or cooperating in the publication or employment of, any misleading or
deceptive advertising material with regard to the Product; and (iv) End User
shall not disclose or publish any results of any benchmark tests run of the
Product. End-User shall not knowingly take any action in conflict with the terms
of this Agreement or its obligations hereunder.

6.3  ProVantage Representations. ProVantage represents and warrants that its
hardware, software and firmware utilized in providing services hereunder shall
accurately process date data (including without limitation calculating,
comparing and sequencing), within, from, into and between centuries (including,
but not limited to, the twentieth and twenty-first centuries), including leap
year calculation. The hardware, software and firmware will be reviewed to ensure
compliance with the foregoing and shall include, without limitation, date data
century recognition, calculations that accommodate same century and
multi-century formula and date values and date data interface values to reflect
the century. In the event that the hardware, software and firmware are unable to
process date data within, from, into and between centuries, ProVantage shall
repair or replace noncompliant components of its systems at no cost to End-User
within a commercially reasonable time period after written notice from End-User
to ProVantage. If ProVantage determines, in it sole discretion, that it is
unable to repair its systems, End-User shall be entitled to a pro-rata reduction
in the Fees based on a 3-year useful life as set forth in Exhibit A, or End-User
may terminate this Agreement within ten (10) days of receipt of notice of
ProVantage's inability to repair its systems.

7. INTENTIONALLY LEFT BLANK.

8. MAINTENANCE.

8.1  ProVantage's Technical Support Services. ProVantage shall offer renewable,
year-long Technical Support Service agreements for the Product while the Product
is under license to the End User. The initial technical support period shall
begin upon shipment of the Products to End-User and be provided at no charge for
the first year. Such Technical Support Services shall be provided in accordance
with ProVantage's then-current Technical Support Policies and Procedures.
ProVantage's Technical Support Policies and Procedures shall be reflective and
consistent with those offered to other customers of ProVantage. End-User shall
abide by only those Technical Support Policies and Procedures of which they have
been informed. Thereafter, End-User may elect to contract for additional, yearly
Technical Support Services.

8.2  Support Services in the Event of Termination. In the case of termination of
this Agreement, so long as End-User has paid for Technical Support Services,
ProVantage shall continue to provide Technical Support Services for the balance
of any existing technical support period.

8.3  Enhancements and Updates. ProVantage may, from time to time, release
updates or enhancements. ProVantage will notify and provide End User with
updates and enhancements when such updates and enhancements have been released.
Updates will be available at no charge, provided that if any update will need to
be customized for End User, ProVantage will notify End User and the parties will
negotiate an appropriate customization fee. End User acknowledges that
ProVantage is under no obligation to issue updates or enhancements under this
Agreement and that the obligation to make available any updates or enhancements
to End-User applies only to those updates

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and enhancements which have been commercially released by ProVantage to its
customers.

8.4  Maintenance and Support Limitations. ProVantage's obligations under this
Agreement apply only to the Product and only for the current version of the
Product and only if End User has paid ProVantage the Technical Support Service
fees specified in Exhibit A for the then-current annual period.

8.5  Incidental Expenses. For any on-site services requested by End User, End
User shall reimburse ProVantage for all reasonable, actual travel and
out-of-pocket expenses incurred by ProVantage, its employees and consultants in
connection with such services.

9. FEES, RECORDS, AND AUDIT.

9.1  Notification. End-User shall report promptly to ProVantage all claimed or
suspected defects in the Product.

9.2  Audit. ProVantage may, at its expense, upon reasonable advance written
notice, audit and inspect End User's use of the Product to verify compliance
with the terms of this Agreement. Any such audit shall be conducted during
regular business hours at End User's facilities and shall not unreasonably
interfere with End User's business activities.

10. LIMITATION OF WARRANTY AND LIABILITY.

10.1    LIMITED WARRANTY.
   a.         ProVantage warrants to End-User that the media containing the
   Products is free from defects in material and workmanship for a period of six
   (6) months from the date of receipt by the End-User. For any breach of this
   warranty, End-User's exclusive remedy and ProVantage's entire liability shall
   be replacement of defective media returned within the warranty period.
   b.         ProVantage warrants to End-User for a period of ninety (90) days
   from the date of installation of the Products that each unmodified Product
   will perform in substantial conformance with the functions described in the
   User Documentation.
   c.         THE WARRANTIES ABOVE ARE EXCLUSIVE AND IN LIEU OF ALL
   OTHER WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED
   WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
   PROVANTAGE DOES NOT WARRANT THAT END-USER'S USE OF PRODUCTS WILL BE
   UNINTERRUPTED OR ERROR FREE, OR THAT THE FUNCTIONS CONTAINED IN PRODUCTS
   WILL MEET END-USER'S REQUIREMENTS.

10.2   LIMITATION OF LIABILITY. PROVANTAGE'S LIABILITY FOR DAMAGES UNDER THIS
AGREEMENT (EXCEPT FOR LIABILITY FOR DAMAGES AS SET FORTH IN SECTION 11, BELOW)
SHALL BE LIMITED TO MONETARY DAMAGES, AND THE AGGREGATE AMOUNT THEREOF FOR ALL
CLAIMS RELATING TO ANY PARTICULAR PRODUCT OR SPECIAL PRODUCT SHALL IN NO EVENT
EXCEED $700,000.00. THE WARRANTIES GRANTED TO END-USER HEREIN ARE PERSONAL TO
END-USER AND SHALL NOT ACCRUE TO ANY THIRD PARTY INCLUDING ANY END USER. UNDER
NO CIRCUMSTANCES SHALL PROVANTAGE BE LIABLE FOR WARRANTIES GRANTED BY END-USER
IN EXCESS OF THOSE GRANTED TO END-USER HEREIN. NOR SHALL EITHER PARTY BE LIABLE
TO THE OTHER OR TO ANY THIRD PARTY FOR INDIRECT, INCIDENTAL, SPECIAL, OR
CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE,
WHETHER IN AN ACTION IN CONTRACT OR TORT, EVEN IF THE PARTY HAS BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES.

10.3   Reliance on Disclaimers. End-User acknowledges that ProVantage has set
its prices and entered into this Agreement in reliance on the disclaimers of
liability, the disclaimers of warranty and the limitations of liability set
forth in this Agreement and that the same form an essential basis of the bargain
between the parties.

11. INDEMNIFICATION.

11.1   Indemnification of End-User. In the event that the Products infringe a
patent or copyright or other intellectual property right of a third party, such
claims shall be subject to the terms and conditions of the Indemnification and
Hold Harmless Agreement dated July 19, 1999 between ProVantage Health Services,
Inc. and ShopKo Stores, Inc. ("Indemnification Agreement") and shall be
considered Indemnifiable Losses as defined therein. In the event a Product is
held or believed to infringe, ProVantage may choose, at its sole option, to
either: (i) obtain for End-User a license to continue using the Product or (ii)
replace or modify the Product so that it becomes noninfringing while retaining
substantially similar functionality. If neither (i) nor (ii) can be reasonably
effected by ProVantage, the parties may proceed as set forth in the
Indemnification Agreement.

11.2   Excluded Claims. Notwithstanding Section 11.1 above, ProVantage shall
not be liable to End-User for any claim arising from or based upon the
combination, operation or use of any Product with End-User's equipment, data or
programming or arising from any alteration or modification of the ProVantage
Products.

11.3   Limitation. THE PROVISIONS OF THIS SECTION SET FORTH THE ENTIRE LIABILITY
OF PROVANTAGE AND THE SOLE REMEDIES OF END-USER WITH

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RESPECT TO INFRINGEMENT AND ALLEGATIONS OF INFRINGEMENT OF INTELLECTUAL PROPERTY
RIGHTS OR OTHER PROPRIETARY RIGHTS OF ANY KIND IN CONNECTION WITH THE
INSTALLATION, OPERATION, DESIGN, DISTRIBUTION OR USE OF PROVANTAGE PRODUCTS.

11.4   Indemnification of ProVantage. End-User agrees to indemnify, defend and
hold ProVantage harmless (including paying all reasonable attorneys' fees and
costs of litigation) against and hold ProVantage harmless from, any and all
claims by any other party resulting from End-User's negligent or tortious acts,
omissions or misrepresentations relating to the misuse of the Product,
regardless of the form of action provided that ProVantage: (i) promptly notifies
End-User in writing days of any such claim; (ii) allows End-User to have sole
control of the defense and all related settlement negotiations; and (iii)
provides End-User with the information, authority and assistance necessary to
perform End-User's obligations under this Section. Nothing in this subsection
shall be construed to imply that End User shall indemnify, defend or hold
ProVantage harmless from any claims of Product infringement from third parties
arising as a result of End User's use of the Product in accordance with this
Agreement and applicable law.

12. CONFIDENTIAL AND PROPRIETARY INFORMATION.

12.1    Confidentiality. The parties agree to hold each other's Confidential
Information in confidence during the term of this Agreement and for a period of
five (5) years after termination of this Agreement. The parties agree that,
unless required by law, they shall not make each other's Confidential
Information available in any form to any third party or use each other's
Confidential Information for any purpose other than the implementation of this
Agreement. End-User shall not use any Confidential Information of ProVantage to
create, modify or enhance any computer software program or user documentation
which is substantially similar to any Product. The obligation of the parties not
to disclose information shall not apply to information that: (i) is or becomes a
part of the public domain through no act or omission of the other party; (ii)
was in the other party's lawful possession prior to the disclosure and had not
been obtained by the other party either directly or indirectly from the
disclosing party; (iii) is lawfully disclosed to the other party by a third
party without restriction on disclosure; or (iv) is independently developed by
the other party. In the event that End-User becomes aware of an unauthorized use
or disclosure of ProVantage Confidential Information, End-User shall promptly
inform ProVantage and provide reasonable assistance to ProVantage, at
ProVantage's expense, in the investigation and prosecution of any such
unauthorized use or disclosure.

12.2   Authorized Disclosure. Either party may disclose the existence of this
Agreement, but not its content, without the prior, written consent of the other
party.

12.3   Copyright and Trademark Notices. End-User shall display all proprietary
legends included with the Product on each copy of the Products that it
distributes, and on all containers and storage media therefor. The use of
ProVantage trademark(s), brand-names and other notices of proprietary rights
shall be in the manner reasonably specified by ProVantage from time to time.
End-User agrees not to alter, erase, deface or overprint any such notice on
anything provided by ProVantage. End-User shall also include the appropriate
trademark notices when referring to any ProVantage Product in advertising and
promotional materials.

12.4   Limited Trademark License. Subject to the restrictions herein, ProVantage
hereby grants to End-User a limited, revocable license to use the trade names,
trademarks, service marks, logos and designations associated with the Products
solely in connection with the activities of End-User that are permitted under
this Agreement. End-User shall submit to ProVantage for approval, prior to use,
distribution or disclosure, any previously unused advertising, promotion or
publicity in which the trade names, trademarks, service marks, logos or
designations of ProVantage are used. ProVantage shall have the right to require,
at its sole discretion, the correction or deletion of any misleading, false or
objectionable material from any such advertising, promotion or publicity.

12.5   No Proprietary Rights. End-User has paid no consideration for the use of
ProVantage's trade names, trademarks, service marks, logos or designations, and
nothing contained in this Agreement will give End-User any ownership right,
title or interest in any of them other than as explicitly set forth in Section.
End-User acknowledges that ProVantage owns and retains all trade names,
trademarks, service marks, logos, designations, copyrights, patent and moral
rights in or associated with the Product, and agrees that it will not at any
time during or after this Agreement assert or claim any interest in or do
anything that may adversely affect the validity of any trade name, trademark,
logo, designation, copyright, patent or moral right belonging to or licensed to
ProVantage (including, without limitation, any act or assistance to any act,
which may infringe or lead to the infringement of any of ProVantage's
proprietary rights). End-User will not have or acquire by virtue of this
Agreement or otherwise any vested, proprietary or other right in the promotion
of ProVantage Products or in "goodwill" relating to the use of ProVantage's
trademarks created by its efforts hereunder. All such "goodwill" shall accrue to
ProVantage.

12.6    No Continuing Rights. Upon expiration or termination of this Agreement,
End-User shall, within ten

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(10) days of the effective date of such expiration or termination, cease all
display, advertising and use of all ProVantage trademarks, trade names, logo or
designations and shall not thereafter use, advertise or display any trademark,
trade name, logo or designation that is, or any part of which is, similar to or
confusing with any trade name, trademark, service mark, logo, designation,
patent and moral rights associated with ProVantage.

12.7   Obligation to Protect. Each party agrees to use commercially reasonable
efforts to protect the other party's proprietary rights and to cooperate with
the other party in that party's efforts to protect its proprietary rights. Each
party agrees to notify the other party promptly of any known or suspected breach
or infringement of the other party's proprietary rights that comes to a party's
attention.

12.8   ProVantage's Use of Personal Medical Information. End User acknowledges
that ProVantage may obtain access to personal medical information of the End
User's customers, employees or enrollees. ProVantage represents and warrants
that it reasonably needs such information for the purpose of conducting a review
or audit of its operations, or ProVantage has another legal right to receive
such information. ProVantage acknowledges the confidential nature of this
information, warrants that it will not use it any illegal purpose or for any
purpose other than to fulfill ProVantage's obligations set forth herein, or
disclose it to any other party, unless required to do so by law. ProVantage
shall indemnify, defend and hold End-User harmless from ProVantage's receipt and
use of the information, including any claims, loss, costs, or expenses
(including attorney's fees) arising from ProVantage's request and use of the
information. ProVantage shall not utilize any personal medical information,
End-User data or other Confidential Information as part of any normative
database or in any other data source for any purpose.

12.9   End User's Use of Personal Medical Information. End User acknowledges
that End User may obtain access to personal medical information of the End
User's customers, employees or enrollees. End User represents and warrants that
it reasonably needs such information for the purpose of conducting a review or
audit of its operations, or End User has another legal right to receive such
information. End User acknowledges the confidential nature of this information,
warrants that it will not use it for any illegal purpose or disclose it to any
other party, unless required to do so by law. End User shall indemnify, defend
and hold ProVantage harmless from End User's receipt and use of the information,
including any claims, loss, costs, or expenses (including attorney's fees)
arising from End User's request and use of the information.

13. TERM AND TERMINATION.

13.1   Term. This Agreement shall remain in effect until it is terminated in
accordance with the provisions of this Section 13. If not otherwise specified in
the ProVantage Product License Sales Order Form, each Product license granted
under this Agreement shall remain in effect perpetually .

13.2   Termination for Cause. A party may terminate this Agreement upon written
notice at any time prior to the expiration of its stated term if: (i) a receiver
is appointed for the other party or any of its property; (ii) the other party
makes an assignment for the benefit of its creditors; (iii) any proceedings are
commenced by, for or against the other party under any bankruptcy, insolvency or
debtor's relief law; (iv) the other party is liquidated or dissolved; or (v) the
other party is in default with respect to any material term or condition of this
Agreement or any other agreement between the parties and such failure or default
continues unremedied for a period of thirty (30) days following written notice
of such failure or default.

13.3   Orders After Termination Notice. If any notice of termination of this
Agreement is given, ProVantage shall be entitled to reject all or part of any
orders received from End-User after notice but prior to the effective date of
termination.

13.4   Effect of Termination or Expiration. Upon termination of this Agreement,
End-User and ProVantage shall return to the other party, or destroy and certify
in writing to the other party the destruction of, all of the other party's
Confidential Information.

13.5   No Damages for Termination or Expiration. EXCEPT IN THE EVENT OF
TERMINATION FOR CAUSE, NEITHER PARTY SHALL BE LIABLE TO THE OTHER FOR DAMAGES OF
ANY KIND, INCLUDING INCIDENTAL OR CONSEQUENTIAL DAMAGES. End-User acknowledges
that End-User has no expectation and has received no assurances that any
investment by End-User in the promotion of ProVantage Product will be recovered
or recouped or that End-User will obtain any anticipated amount of profits by
virtue of this Agreement. THE PARTIES ACKNOWLEDGE THAT THIS SECTION HAS BEEN
INCLUDED AS A MATERIAL INDUCEMENT FOR PROVANTAGE TO ENTER INTO THIS AGREEMENT
AND THAT PROVANTAGE WOULD NOT HAVE ENTERED INTO THIS AGREEMENT BUT FOR THE
LIMITATIONS OF LIABILITY AS SET FORTH HEREIN.

13.6   Survival. ProVantage's rights to, and End-User's obligations to pay
ProVantage, all amounts due hereunder, as well as the party's obligations under
Sections 2.1, 6.1(c), 6.2, 11, 12, 13 and 14 shall survive termination or
expiration of this Agreement.

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      UNAUTHORIZED USE, DISCLOSURE OR DUPLICATION IS STRICTLY PROHIBITED.
<PAGE>   7
14. GENERAL.

14.1   Source Code Escrow. In the event that ProVantage is merged, consolidated,
sells all or substantially all of its assets or implements or suffers any
substantial change in management or control, ProVantage shall deposit with an
independent escrow agent (reasonably acceptable to End-User) with experience and
knowledge of handling source code escrows, the then current version of the
source program/code of the Product and any updates and new releases from time to
time. In addition, at that time, ProVantage and End-User shall enter into a
source code escrow agreement that requires the escrow agent to release the
source program/code of the Product and a single copy of the documentation
associated therewith, to End-User for its own and sole use in the event that,
whether directly or through a successor or affiliate ProVantage ceases to be in
the Health Information Technology or software business, if ProVantage should
breach any maintenance, support or professional service obligations of the
Product, or if ProVantage should be declared bankrupt and insolvent by a court
of competent jurisdiction.

14.2   Independent Contractors. Both parties to this Agreement are independent
contractors, and shall so represent themselves to all other parties. There is no
partnership, agency, employment, franchise or joint venture relationship between
the parties. Neither party has any express or implied right or authority to bind
the other or incur any obligation on behalf of the other. In particular, nothing
herein shall be interpreted as making End-User the commercial agent of
ProVantage.

14.3   Assignment. This Agreement shall not be assigned by either party without
the prior, written consent of the other party; provided, however, that neither
party shall unreasonably withhold its consent to the assignment of this
Agreement to any successor-in-interest of the other party.

14.4   Force Majeure. Neither party shall be responsible for failure of
performance due to causes beyond its control, including, but not limited to,
acts of God or nature, labor disputes, actions of any government agency and
shortage of materials. This provision shall not apply to any obligation to pay
money under this Agreement.

14.5   Notices. Any and all notices required or permitted to be given hereunder
shall be in writing and shall be deemed to have been given two (2) business days
after deposit in the United States mail, certified or registered, postage
prepaid, or one (1) business day after deposit with an overnight delivery
service of national reputation, and in any case addressed as follows:

To ProVantage:
                  ProVantage Health Services, Inc.
                  N19 W24130 Riverwood Drive
                  Waukesha, WI  53188
                  ATTN: Sr. Vice President, HIT

with copies to:
                  ProVantage Health Services, Inc.
                  N19W24130 Riverwood Drive
                  Waukesha, WI  53188
                  ATTN:  General Counsel

To End-User:
                  ShopKo Stores, Inc.
                  700 Pilgrim Way
                  Green Bay, WI  54307
                  ATTN:  General Counsel

14.6   Waiver. The waiver by either party of any default by the other shall not
waive subsequent defaults of the same or different kind.

14.7   Severability. In the event that any of the provisions of this Agreement
are held invalid by a court or other tribunal of competent jurisdiction, such
provision shall be enforced to the maximum extent permissible and the remaining
portions of this Agreement shall remain in full force and effect.

14.8   Entire Agreement. This Agreement is the complete and exclusive statement
of the understanding of the parties, and supersedes all other prior
representations between them, whether oral or written, relating to the subject
matter of this Agreement. This Agreement may not be modified except in a writing
signed by an officer of ProVantage and a duly-authorized representative of
End-User. In the event of conflict between this Agreement and any other
agreement, including a statement of work, the terms and conditions set forth in
this Agreement shall control.

14.9   Construction. It is expressly agreed that the terms of this Agreement and
any ProVantage Product License Sales Order Form shall supersede the terms in any
End User purchase order or other ordering document. This Agreement shall also
supersede all terms of any unsigned or "shrink-wrap" license included in any
package, media or electronic version of ProVantage-furnished software and any
such software shall be licensed under the terms of this Agreement. When executed
and dated by both parties, any ProVantage Sales Order Forms that reference this
Agreement and its Effective Date shall be incorporated herein.

14.10  Section Headings.  Section headings are for purposes of convenience and
shall not be considered part of this Agreement.

14.11  Execution of Agreement, Governing Law. This Agreement will become
effective only after it has been

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                    PROVANTAGE CONFIDENTIAL AND PROPRIETARY
      UNAUTHORIZED USE, DISCLOSURE OR DUPLICATION IS STRICTLY PROHIBITED.
<PAGE>   8
signed by End-User and has been accepted by ProVantage. It shall be governed by
and construed in accordance with the laws of the State of Wisconsin, excluding
that body of law known as conflict of laws. Any suit hereunder will be brought
in a state or federal court in the State of Wisconsin and End-User hereby
submits to the personal jurisdiction thereof.

14.12  Due Execution. The party executing this Agreement on behalf of End-User
represents and warrants that he or she has been duly-authorized under End-User's
charter documents and applicable law to do so.

14.13  Insurance. Both parties agree to obtain and maintain during the term of
this Agreement and the term of any maintenance and support agreement, general
liability insurance coverage against claims for personal injury and advertising
injury claims which may arise during the term of this Agreement in an amount not
less than $1,000,000 per person or per organization and bodily injury and
property damage liability claims which may arise during this Agreement in an
amount not less than $1,000,000 per occurrence. Each party's general liability
insurance coverage shall also include a products/completed operations component
with an aggregate limit of not less than $1,000,000 and have a general aggregate
limit of not less than $2,000,000, and shall name the other party as an
additional insured. Both parties shall give the other party at least thirty (30)
days advance written notice of any non-renewal, cancellation or modification of
coverage.

IN WITNESS WHEREOF, THE PARTIES EXECUTE THIS AGREEMENT.

SHOPKO STORES, INC.                          PROVANTAGE HEALTH SERVICES, INC.

BY:  /s/ Paul Burrows                        BY:  /s/ George M. Barlow
     ----------------------------                 -------------------------
ITS:  Senior Vice President / CIO            ITS: Senior Vice President HIT
     ----------------------------                 -------------------------
DATE:  January 29, 2000                      DATE:  January 29, 2000
       --------------------------                   -----------------------

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                   PROVANTAGE CONFIDENTIAL AND PROPRIETARY
      UNAUTHORIZED USE, DISCLOSURE OR DUPLICATION IS STRICTLY PROHIBITED.

<PAGE>   9
                                    EXHIBIT A

1. PRODUCT(S) DEFINITION: PROVQUERY - PHARMACEUTICAL DATA WAREHOUSE PRODUCT

         PHYSICAL DATA MODEL
         DataWarehouse
         Metadata
         Data Staging
         DATA LOADING
         Sync Sort Scripts
         C - Programs
         SQL - Loaders
         AIX Scripts
         SECURITY
         Security Module
         DSS OBJECTS
         DSS Agent Reports
         DSS WEB Reports DSS
         Monitor Reports
         DSS Templates
         DSS Filters
         DSS Metrics

PROVANTAGE NORMATIVE PHARMACY DATABASE LICENSE (NO LESS THAN _____ LIVES)

         MICROSTRATEGY PRODUCT LICENSES
         DSS Development
                  DSS Architect
                  DSS Executive
                  DSS Administrator
         DSS Server
         DSS WEB Server
         Interfaces
                  DSS Agent
                  DSS Objects
                  DSS WEB

2. END USER FEES:
<TABLE>
<S>                                                        <C>
  A.   License Fees:
               ProVQuery Product:                          $350,000.00  (one-time fee)
               MicroStrategy Product:                      $0.00 (End User has already acquired license)
               Pharmacy Normative Database:                no charge
</TABLE>

B.  Maintenance/Technical Support Service Fees:
<TABLE>
<CAPTION>
       PROVQUERY TECHNICAL SUPPORT SERVICES (AFTER YEAR 1)                           ANNUAL FEE

<S>                                 <C>                                    <C>
       SILVER LEVEL SUPPORT            - 5 DAYS X 8 HOURS                  18% of ProVQuery license fee

       GOLD LEVEL SUPPORT             - 5 DAYS X 24 HOURS                  24% of ProVQuery license fee

       PLATINUM LEVEL SUPPORT       - 5 DAYS X 24 HOURS  +  2 DAYS X 8     30% of ProVQuery license fee
       HOURS
</TABLE>

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                   PROVANTAGE CONFIDENTIAL AND PROPRIETARY
      UNAUTHORIZED USE, DISCLOSURE OR DUPLICATION IS STRICTLY PROHIBITED.
<PAGE>   10
                                    EXHIBIT B

                            END-USER SPECIAL PRODUCTS

1.  END-USER SPECIAL PRODUCTS DEFINITION.  None.

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                   PROVANTAGE CONFIDENTIAL AND PROPRIETARY
      UNAUTHORIZED USE, DISCLOSURE OR DUPLICATION IS STRICTLY PROHIBITED.
<PAGE>   11
PROVANTAGE PRODUCT LICENSE SALES ORDER FORM

The following Products are licensed under the terms and conditions specified in
the PROVANTAGE HEALTH SERVICES, INC. END USER LICENSE AGREEMENT FOR PROVANTAGE
PRODUCTS between ProVantage Health Services, Inc. ("ProVantage") and ShopKo
Stores, Inc. ("End User").

PRODUCT:            PROVQUERY(TM)

END USER NAME:             SHOPKO STORES, INC.

END USER ADDRESS:   700 PILGRIM WAY
                    GREEN BAY, WI  54307

<TABLE>
<CAPTION>

PROVQUERY PRODUCT LICENSE COMPONENTS                          LICENSE FEE FOR 1

<S>                                   <C>
PHYSICAL DATA MODEL
Data Warehouse                        Tables, indexes and views
Metadata                              Tables, indexes and views
Data Staging                          Tables, indexes and views
DATA LOADING
Sync Sort Scripts
C - Programs
SQL - Loaders
AIX Scripts
SECURITY
Security Module
DSS OBJECTS
DSS Agent Reports
DSS WEB Reports
DSS Monitor Reports
DSS Templates
DSS Filters
DSS Metrics
</TABLE>
<TABLE>
<CAPTION>
PROVQUERY PRODUCT LICENSE FEE - 1 LICENSE                      $350,000 U.S.
PROVQUERY TECHNICAL SUPPORT SERVICES                                                  ANNUAL FEE
<S>                                                                                   <C>
FIRST YEAR SUPPORT (1/29/2000 THROUGH 1/28/2001)                                       Included
                          - 5 DAYS X 8 HOURS
PROVQUERY TECHNICAL SUPPORT SERVICES FEE - FIRST YEAR                                  INCLUDED
PROVANTAGE PHARMACY NORMATIVE DATABASE- NO CHARGE
PROVQUERY PRODUCT AND SUPPORT FEE - ORDER TOTAL          $350,000 U.S.
</TABLE>

TERMS OF THIS SALES ORDER

1.   This constitutes a sales order by End User for the Products listed at the
prices listed above.
2.   Technical Support Services provided under this Agreement are for a period
of one year from the date of the invoice issued at product delivery.
3.   Products licensed under this sales order are subject to the software
license terms and conditions of the PROVANTAGE HEALTH SERVICES, INC. END
USER LICENSE AGREEMENT FOR PROVANTAGE PRODUCTS.
4. The price quotation contained herein shall expire thirty (30) days from the
date of this quotation.
5.  Prices exclude taxes and shipping charges. End User is responsible for
taxes and shipping charges.
6.   The terms and pricing under this Agreement are considered Confidential
Information.

7.   Data provided by ShopKo will not be included in the normative data that
ProVantage accumulates or sells.

12/99                               -1-
                   PROVANTAGE CONFIDENTIAL AND PROPRIETARY
      UNAUTHORIZED USE, DISCLOSURE OR DUPLICATION IS STRICTLY PROHIBITED.
<PAGE>   12
IN WITNESS WHEREOF, the parties execute this SALES ORDER.

SHOPKO STORES, INC.

BY:_____________________________________

ITS:_____________________________________

DATE:___________________________________

                                   PROVANTAGE HEALTH SERVICES, INC.

                                   BY:_______________________________________

                                   ITS:_______________________________________

                                   DATE:____________________________________

12/99                              -2-
                     PROVANTAGE CONFIDENTIAL AND PROPRIETARY
       UNAUTHORIZED USE, DISCLOSURE OR DUPLICATION IS STRICTLY PROHIBITED.<PAGE>   1
EXHIBIT 10.11

                    PRESCRIPTION BENEFIT MANAGEMENT AGREEMENT

         THIS PRESCRIPTION BENEFIT MANAGEMENT AGREEMENT ("Agreement") is made by
and between PROVANTAGE HEALTH SERVICES, INC., a Delaware corporation, with its
principal place of business at N19 W24130 Riverwood Drive, Waukesha, Wisconsin
53188, hereinafter referred to as "PROVANTAGE", and AMERICAN MEDICAL SECURITY
HOLDINGS, INC., a Wisconsin corporation ("Holdings") and its present and future
wholly-owned insurance company subsidiaries with active business (which as of
the date hereof includes United Wisconsin Life Insurance Company, a Wisconsin
insurance company, ("UWLIC") Unity HMO of Illinois, Inc., an Illinois health
maintenance organization ("Unity) and American Medical Security Health Plan,
Inc. d/b/a American Medical Healthcare, a Florida health maintenance
organization ("AMH") with their principal places of business at 3100 AMS
Boulevard, Green Bay, Wisconsin 54313, Holdings, UWLIC, Unity and AMH
hereinafter collectively referred to as "AMS."

         WHEREAS, AMS has adopted various prescription drug programs referenced
on EXHIBIT A attached hereto (the "Plans") for various clients' eligible
employees and their eligible dependents (the "Plan Participants"). A description
of each Plan (the "Plan Parameters") will be communicated by AMS to PROVANTAGE
either electronically or in written hard copy format prior to the effective date
of this Agreement. Additional Plans may be added to EXHIBIT A from time to time
during the term of this Agreement. Such additions shall be evidenced by a
written Addendum to this Agreement which is signed by AMS and PROVANTAGE. The
Plan Parameters of any such additional Plans shall be communicated to PROVANTAGE
prior to the effective date thereof.

         WHEREAS, PROVANTAGE is a prescription benefit manager, and maintains a
computerized claims processing system, a prescription drug mail service, and a
network of retail pharmacies (the "Participating Pharmacies") who have agreed to
provide prescription services for PROVANTAGE's clients including AMS, and

         WHEREAS, additional information with respect to AMS and the Plans is
set forth on the AMS Data Sheet attached to this Agreement as EXHIBIT B (the
"Data Sheet"); and

         WHEREAS, PROVANTAGE and AMS' affiliate, American Medical Security, Inc.
("AMS, Inc."), have entered into that certain Prescription Benefit Management
Agreement dated June 28, 1995 (the "1995 Agreement"), whereby PROVANTAGE has
agreed to provide prescription benefit management services to AMS upon the terms
and conditions set forth herein; and

          WHEREAS, PROVANTAGE and AMS, Inc. amended the 1995 Agreement pursuant
to the First Amended and Restated Prescription Benefit Management Agreement
dated March 16, 1996 (the "1996 Agreement"); and

         WHEREAS, PROVANTAGE and AMS desire to terminate the 1996 Agreement and
enter into the following agreement for the provision of Prescription Benefit
Management services, effective January 1, 2000; and

         WHEREAS, PROVANTAGE and AMS have agreed to enter into the following
agreement.

                             I. GENERAL APPOINTMENT

1. PROVANTAGE shall be AMS' exclusive prescription benefit manager with respect
to the Plans during the Initial Term (as hereinafter defined), provided, however
that such exclusivity shall not apply to business that is acquired by AMS as a
result of an acquisition of another companies' stock, assets or block of
business, through reinsurance or otherwise (the "Acquired Business") so long as
AMS uses its
<PAGE>   2
good faith, diligent and commercially reasonable efforts to transition such
prescription business to PROVANTAGE as soon as reasonably possible, including
exercising any termination rights at the earliest possible time without
incurring any material financial penalty. As the prescription benefit manager of
the Plans, PROVANTAGE shall diligently assist AMS in establishing and
implementing prescription benefit management programs designed to lower the
total cost of Plan Participants' health care. Toward this end, PROVANTAGE shall
manage all prescription claim processes for AMS by implementing an optimal mix
of cost reduction strategies which may include, but are not limited to:

          - Programs designed to increase mail service utilization;
          - Formulary management services;
          - Drug utilization evaluation programs, including:
               - Drug utilization review programs (prospective, concurrent and
                 retrospective)
               - Educational programs (as such programs may be developed by
                 PROVANTAGE from time to time)
               - Disease state management processes (as such processes may be
                 jointly developed by PROVANTAGE and AMS from time to time)

PROVANTAGE's services, which shall be provided subject to and in accordance with
the terms and conditions of this Agreement, shall initially be prescription
claims processing, prescription drug mail services, and formulary management
services described in this Agreement, and shall include such other functions as
may be mutually agreed upon in writing by AMS and PROVANTAGE from time to time
during the term of this Agreement. AMS and PROVANTAGE agree to work together in
good faith to develop and implement mutually acceptable programs, procedures and
policies to more effectively and efficiently manage the prescription benefits
available to Participants under the Plans.

                       II. PRESCRIPTION CLAIMS PROCESSING

2. APPOINTMENT. Except as provided herein, AMS hereby appoints PROVANTAGE as its
exclusive Prescription Claims Processor during the Initial Term for all existing
and new business written pursuant to the Plans, and PROVANTAGE hereby accepts
such appointment.

3. AUTHORITY. PROVANTAGE hereby agrees to perform all of the following claims
processing functions with respect to the Plans, and AMS hereby grants PROVANTAGE
the authority and empowers PROVANTAGE to perform such functions:

          A.   To process all claims received from Participating Pharmacies
               and/or eligible Plan Participants in accordance with the Plan
               Parameters and this Agreement;

          B.   To reject or otherwise deny claims which are incomplete,
               ineligible, outside the dates specified by this Agreement or
               invalid for any other reason;

          C.   To issue checks to Participating Pharmacies for the payment of
               claims;

          D.   To issue checks directly to Plan Participants for covered items
               under the Plans if they are unable to have a Participating
               Pharmacy submit the claims on their behalf at the retail and mail
               reimbursement rates set forth herein;

          E.   To audit Participating Pharmacies as deemed necessary or
               appropriate by PROVANTAGE for compliance with the specific Plan
               parameters as well as for fraudulent or incorrectly submitted
               claims;

          F.   To generate reports for AMS, Participating Pharmacies and for
               PROVANTAGE's own uses;

<PAGE>   3
          G.   To maintain hard copy and/or computerized records of all
               transactions completed hereunder for a reasonable period of time
               as may be required by law;

          H.   To adjust the amount paid on a submitted claim so that it
               accurately reflects:
               i.     The correct ingredient cost at the time the benefit was
                      received as determined by First Data Bank current drug
                      pricing database.
               ii.    The correct dispensing fee, if any.
               iii.   The correct sales tax, if any, for the State in which the
                      benefit was rendered.
               iv.    The correct deductible or copayment, if any, that should
                      have been collected.
               v.     To provide such other functions as may be indicated on the
                      Data Sheet.

          I.   To process prior authorizations to Plan Participants within an
               average of 24 hours once all information has been received for
               certain Pharmaceuticals (as hereinafter defined) where
               appropriate pursuant to the terms of the Plan Parameters.

If the processing of prior authorizations by PROVANTAGE exceeds the 24 hour
guarantee set forth in subsection I, above, PROVANTAGE shall pay AMS $500 for
each instance, up to a maximum annual penalty of $5,000.

Any error by PROVANTAGE in claims processing or administration will result in
PROVANTAGE paying a financial penalty to AMS equal to the excess claim cost
incurred by Plan Participants. Additionally, PROVANTAGE guarantees that it will
have a 95% accuracy rate for claims processing and administration. Should the
processing of claims by PROVANTAGE fall below a 95% accuracy rate, PROVANTAGE
shall pay to AMS a penalty of $200 for each full percentage point that the
processing accuracy level is below the guaranteed level, up to a maximum annual
penalty of $5,000. In addition, if PROVANTAGE is below the 95% accuracy level,
PROVANTAGE shall also pay all reasonable costs incurred by AMS in auditing
PROVANTAGE's performance hereunder.

PROVANTAGE will also guarantee resolution of 95% of Plan Participant-submitted
claims within 35 days of receipt of the claim. It is understood that resolution
of the claims is dependent upon the timing of the receipt of the claims and the
next semi-monthly processing cycle. Based upon when the claim was received, the
payment or notice of denial will be mailed between five and 35 days of receipt.
PROVANTAGE's failure to meet this provision will result in PROVANTAGE paying AMS
a $500 penalty for each full day that the performance level is below the
guaranteed level up to a maximum annual penalty of $5,000. In addition,
PROVANTAGE guarantees that its claims processing system shall be available 99.5%
of the time (assuming 24 hours a day, 7 days a week) except for scheduled normal
system maintenance for which AMS has been notified; PROVANTAGE's failure to meet
such availability will result in a penalty of $1,000 per day up to a maximum
annual penalty of $5,000.

These penalties shall be in addition to any other rights, remedies or recoveries
AMS may have under this Agreement or available at law or in equity.

4.   IDENTIFICATION CARDS. AMS will issue identification cards for eligible Plan
Participants containing the following information:

         A.       AMS' NAME*
         B.       PARTICIPANT'S NAME*
         C.       PARTICIPANT'S IDENTIFICATION NUMBER*
         D.       GROUP NUMBER
         E.       CO-PAY (IF ANY)*
         F.       EFFECTIVE DATES OR THE WORDS "ON-LINE ELIGIBILITY"
         G.       SPECIAL NOTES PERTAINING TO THE PLAN (IF APPLICABLE)
         H.       PROVANTAGE NAME AND LOGO
<PAGE>   4
Each single Plan Participant will be issued one card. Each Plan Participant that
has dependent coverage will be issued two cards. If a card is lost or stolen,
AMS will issue a replacement card.

5.   PAYMENT OF CLAIMS. AMS assumes all financial responsibility and shall pay
for all reimbursable claims pursuant to the Plan Parameters submitted to
PROVANTAGE, whether by Participating Pharmacies or Plan Participants. AMS
further acknowledges the right of any Participating Pharmacy to proceed directly
against AMS to collect any legitimate claim which AMS has failed to pay to the
Participating Pharmacy through PROVANTAGE. This is a waiver of any claim of lack
of privity of contract between AMS and the Participating Pharmacy.

AMS shall transfer funds for the payment of valid prescription drug claims under
the Plan to PROVANTAGE pursuant to the banking arrangement between the parties
as specified in this Agreement.

6.   DRUG COST CALCULATION. PROVANTAGE shall use prescription drug pricing
information and clinical databases supplied by First Data Bank, or any other
nationally recognized database. AMS agrees to hold PROVANTAGE harmless from
liability for any claim or payment arising out of inaccurate information
supplied to and used by PROVANTAGE in good faith.

7.   DRUG UTILIZATION REVIEW (DUR). PROVANTAGE shall, as part of the electronic
claim adjudication process, perform Drug Utilization Review (DUR). DUR includes
drug interaction screening and other informational messages. The information
generated and provided in connection with DUR is intended as a supplement to,
and not a substitute for, the knowledge, expertise, skill, and judgment of
physicians, pharmacists and other health care providers. PROVANTAGE disclaims
all responsibility for any and all actions or interventions, taken or not taken
as a result of providing this information. AMS understands and authorizes
PROVANTAGE to inform providers that the information provided should not be
relied upon as a substitute for their professional judgment and AMS acknowledges
that DUR shall not prevent providers from dispensing prescriptions or providing
other goods and services in opposition to the information they receive under
PROVANTAGE's DUR Program. Providers are individually responsible for acting or
not acting upon the information provided through PROVANTAGE's DUR Program, and
for performing services in each jurisdiction consistent with the scope of their
professional licenses.

PROVANTAGE relies upon outside databases and software provided by other vendors
to provide information used by PROVANTAGE in its DUR Program. PROVANTAGE's
performance is limited by the information sought and received by and from these
vendors. PROVANTAGE will attempt to update these databases on a reasonable basis
to reflect changes in the standards of pharmaceutical prescribing, however, no
database will contain all currently available information. In most cases the
vendors limit or exclude warranties regarding the information provided to
PROVANTAGE for use in its DUR Program. Such limitations and exclusions shall be
communicated by PROVANTAGE to AMS, and after such communication, shall be
incorporated herein by this reference.

Further, PROVANTAGE may not have all the relevant information necessary for the
purposes of providing DUR information including, but is not limited to, patient
diagnoses, utilization of drugs obtained without using PROVANTAGE's claims
processing system or not included in the patient's active profile, patient's
medical history, and any other idiosyncrasies of a patient. PROVANTAGE shall
have no obligation to acquire information concerning any patient where
sufficient information is at any time unavailable to enable PROVANTAGE's DUR
Program to determine whether or not intervention is indicated.

PROVANTAGE's DUR Program is dependent upon the accurate transmission and
processing of data by electronic means. AMS agrees to hold PROVANTAGE harmless
from liability for any intervention or non-intervention resulting from any
interruption in the electronic processing regardless of the reason for said
interruption, except if PROVANTAGE is directly responsible for said
interruption. Because of the large number of computer systems and software in
use by providers, PROVANTAGE cannot and does not guarantee that a provider is
technically capable of receiving DUR information.
<PAGE>   5
Except as provided herein, PROVANTAGE disclaims all express and implied
warranties of any kind, including but not limited to, any warranty as to the
quality, accuracy or suitability for any particular purpose of the information
generated and provided through DUR. PROVANTAGE disclaims any liability for
consequential, incidental, exemplary, punitive or special damages incurred
directly or indirectly in connection with PROVANTAGE's performance of or
omission to perform, DUR services or resulting from reliance on or use of
information furnished under PROVANTAGE's DUR program.

8.   REPORTS AND STATEMENTS. PROVANTAGE shall provide AMS with a detailed report
on all claims paid or rejected on its behalf. In addition PROVANTAGE shall
provide a claim tape to AMS within seven business days following the end of a
payment cycle. PROVANTAGE shall provide all standard management reports to AMS
within 15 calendar days from the end of any relevant reporting period.
PROVANTAGE shall pay to AMS $250 per business day for each claim tape or batch
of reports that is not delivered within the number of days guaranteed, up to a
maximum annual penalty of $5,000. This penalty shall be in addition to any other
rights, remedies or recoveries AMS may have under this Agreement or available at
law or in equity.

AMS shall be permitted to review at PROVANTAGE's premises the quarterly reports
generated and maintained by PROVANTAGE evidencing PROVANTAGE's performance under
this Agreement with respect to the various performance guarantees set forth
herein.

PROVANTAGE shall provide all Participating Pharmacies which submit claims for
reimbursement with a remittance report.

9.   AUDIT. PROVANTAGE will perform audits of Plan Participants' claims or
Participating Pharmacies at its own discretion to ensure the integrity and
validity of the claims it receives and processes on behalf of AMS, provided,
however that PROVANTAGE guarantees (i) routine statistical audits of at least 2%
of the Participating Pharmacies on an annual basis, and (ii) if after a review
of statistical audit results, an on-site audit is justified, PROVANTAGE will
perform an on-site audit of 1% or more of Participating Pharmacies on an annual
basis. Should PROVANTAGE fail to perform the statistical or onsite audits of the
Participating Pharmacies in accordance with this Paragraph, PROVANTAGE shall pay
to AMS a penalty of $500 for each Participating Pharmacy that it did not audit,
up to an annual maximum penalty of $5,000. This penalty shall be in addition to
any other rights, remedies or recoveries AMS may have under this Agreement or
available at law or in equity.

AMS may receive copies of these summarized audits on an annual basis. In
addition, AMS can review all results of the audits on PROVANTAGE's premises upon
request and after providing advance notice. If PROVANTAGE finds grounds for
denying or charging back any claims AMS will be notified. In the event that an
audit of a Participating Pharmacy by PROVANTAGE results in additional funds due
to AMS, AMS shall receive 90% of such funds and PROVANTAGE shall retain 10%.

AMS may also request an audit of a specific claim or Participating Pharmacy, to
be conducted at AMS' expense. In the event that an audit of a Participating
Pharmacy by AMS results in additional funds due to AMS, AMS shall receive 100%
of such funds.

PROVANTAGE's own books and files will be available for AMS' inspection during
regular business hours. However, AMS may only inspect PROVANTAGE's books and
files as they pertain to AMS' Plans and PROVANTAGE's compliance with this
Agreement in accordance with ProVantage's External Account Audit Policy (the
"Policy"). While AMS agrees to follow all audit procedures in the Policy, in the
event there is a direct conflict between specific terms in this Agreement and
specific terms in the Policy relating to fees and scope of auditing, this
Agreement shall control.

In accordance with Section 3(A) above, PROVANTAGE agrees that 100% of the claims
that are administered and processed by PROVANTAGE will be in accordance with the
terms of the Plan Parameters and this Agreement including, but not limited to,
EXHIBIT B. AMS, at its own cost and
<PAGE>   6
expense, shall have the right to audit PROVANTAGE's books and records to ensure
compliance with this provision. If an outside auditing firm is utilized by AMS
to audit the accuracy of the claims administered and processed by PROVANTAGE
hereunder, PROVANTAGE shall share in the cost of such outside auditing firm
provided that PROVANTAGE has had input in the selection of such outside auditing
firm.

10.  COMPENSATION. AMS agrees to pay to PROVANTAGE such compensation as
indicated on the Data Sheet. PROVANTAGE will provide AMS an itemized monthly
bill. PROVANTAGE shall have the right after the initial term of this Agreement
to change the level of compensation PROVANTAGE receives hereunder upon sixty
(60) days written notice to AMS. AMS may object to any increase in such
compensation by giving written notice to PROVANTAGE at least thirty (30) days
prior to the expiration of the sixty (60) day period. In the event the parties
cannot agree on an appropriate level of compensation, this Agreement shall
terminate at the end of the sixty (60) day period or at such later date as may
be mutually agreed to by the parties.

11.  BILLING CYCLE AND PAYMENTS. AMS hereby authorizes PROVANTAGE to debit the
account indicated on the Data Sheet for prescription drug claims and other
charges authorized hereunder. Such debits shall be made via Automated Clearing
House ("ACH"). PROVANTAGE will bill AMS or AMS' designee on a semi-monthly basis
to enable payment of valid claims submitted to PROVANTAGE in a timely manner.
The first billing statement of every month will include charges for all claims
submitted by Participating Pharmacies and for all mail services rendered between
the first (1st) and the fifteenth (15th) of the month. The second billing
statement of every month will include charges for all claims submitted by
Participating Pharmacies and all mail services rendered between the sixteenth
(16th) and the last day of the month. The first billing statement of each month
will be mailed on the sixteenth (16th) of each month, or the first business day
thereafter. The second billing statement of each month will be mailed on the
first (1st) day of the following month, or the first business day thereafter.
AMS' account will be debited via ACH on the twenty second (22nd) of each month,
or the first business day thereafter, for the first monthly billing statement.
AMS' account will be debited via ACH on the seventh (7th) day of the following
month, or the first business day thereafter, for the second monthly billing
statement.

AMS warrants to PROVANTAGE that it shall make available for debit sufficient
funds to meet the full amount of each invoice submitted to AMS by PROVANTAGE.
All bills shall be deemed to have been received by AMS on the third (3rd) day
after the date said bill was mailed, or by the end of the next business day if
sent by facsimile or express mail. Payments more than 7 days past due shall be
subject to interest at the rate of one half of one percent per semi-monthly
billing period (twelve percent (12%) per annum) or the maximum portion thereof
allowed by law.

12.  OPTIONAL PROGRAMS. AMS may participate in any one or more of PROVANTAGE's
     Optional Programs, as described in the Plan Parameters.

13.  NEW STANDARD CLINICAL PROGRAMS. At no additional cost to AMS, PROVANTAGE
shall offer to AMS its new standard program offerings including (i) its
enhancements to formulary management services, (ii) drug conflict surveillance,
(iii) price parity, (iv) quantity/length of therapy edits, (v) non-clinical
prior authorization, (vi) utilization analysis/review and recommendations, (vii)
concurrent DUR. Such programs are further described in Section 2 of a certain
December 1, 1999 proposal by PROVANTAGE to AMS (the "Standard Clinical
Programs"), a copy of which is attached hereto as EXHIBIT C and made a part
hereof. PROVANTAGE and AMS shall work cooperatively in the implementation of
such additional programs and services to be performed by PROVANTAGE. In
addition, PROVANTAGE agrees to offer to AMS any other relevant services or
programs that it makes available to PROVANTAGE's other clients at terms to be
agreed upon by the parties.
<PAGE>   7
                       III. PRESCRIPTION DRUG MAIL SERVICE

14.  APPOINTMENT. Except as provided herein, AMS hereby appoints PROVANTAGE as
its exclusive Prescription Drug Mail Service provider for the Plans during the
Initial Term, and PROVANTAGE hereby accepts such appointment.

15.  AUTHORITY. PROVANTAGE hereby agrees to perform all of the following
services with respect to the Plans, and AMS hereby grants PROVANTAGE the
authority and empowers PROVANTAGE to perform such services:

           A.     To provide and dispense all prescribed legend drugs, insulin
                  and insulin syringes, (collectively referred to herein as
                  "Pharmaceuticals"), as set forth in the Plan Parameters,
                  subject to availability. Such Pharmaceuticals shall be
                  supplied in amounts prescribed by a physician, or as indicated
                  in the Plan Parameters. Whenever possible, and subject to
                  state guidelines and the dispensing pharmacist's professional
                  discretion, PROVANTAGE agrees to dispense the generic drug or
                  the lowest cost equivalent item currently available to
                  PROVANTAGE. In addition, at the request of a Plan Participant,
                  PROVANTAGE shall also dispense Pharmaceuticals not covered by
                  the Plan Parameters at the expense of Plan Participants in
                  accordance with EXHIBIT B.

           B.     To label and package the Pharmaceuticals as required by
                  applicable State and Federal Laws and Regulations and as is
                  consistent with industry practices and procedures.

           C.     To provide prepaid delivery of Pharmaceuticals to Plan
                  Participants' residences by U.S. Mail, UPS or an overnight
                  service in accordance with applicable regulations and industry
                  practices and procedures.

           D.     To provide, at PROVANTAGE's expense, toll free telephone lines
                  from 7:00 am - Midnight Central Time, Monday through Friday
                  and 8:00 am - 4:30 pm Central Time, Saturday, computer
                  services, informational brochures and similar administrative
                  services as PROVANTAGE shall determine to be appropriate for
                  the provision of the Prescription Drug Mail Services described
                  herein.

16.  GUARANTEED TIMELINESS OF MAIL SERVICE. PROVANTAGE shall use its reasonable
best efforts to dispense Pharmaceuticals within 48 hours of PROVANTAGE's receipt
of an acceptable prescription. Weekends and holidays are not to be included
within this 48 hour period. If a prescription requires intervention by
PROVANTAGE, PROVANTAGE shall use its reasonable best efforts to dispense
Pharmaceuticals within 120 hours of PROVANTAGE's receipt of such prescription.
AMS acknowledges that PROVANTAGE shall not be responsible for causes and
circumstances beyond the reasonable control of PROVANTAGE and that PROVANTAGE
shall have no liability to AMS or its Plan Participants as a result of any delay
in preparation or delivery of Pharmaceuticals beyond the reasonable control of
PROVANTAGE. PROVANTAGE shall provide AMS with a quarterly report detailing the
timeliness of PROVANTAGE's processing of the Pharmaceuticals. In the event that
the actual turnaround time of performance in any one calendar year is less than
that which was guaranteed by PROVANTAGE hereunder, PROVANTAGE shall pay AMS $300
for each full percentage point required to meet the guaranteed turnaround time
up to a maximum annual penalty of $5,000.

These penalties shall be in addition to any other rights, remedies or recoveries
AMS may have under this Agreement or available at law or in equity.

PROVANTAGE shall have no obligation to provide Pharmaceuticals to any Plan
Participant until PROVANTAGE receives from such Plan Participant any applicable
copayment charges. In the event that PROVANTAGE receives a request from a Plan
Participant to dispense Pharmaceuticals on an expedited basis, PROVANTAGE shall
collect such additional expedited costs from the Plan Participant.
<PAGE>   8
17.  PRESCRIPTIONS. PROVANTAGE assumes no liability or responsibility for the
accuracy, efficacy or timely receipt of prescriptions, orders or other
directions by physicians to supply Pharmaceuticals to Plan Participants.
PROVANTAGE reserves the right to refuse to fill any prescription that
professional judgment dictates should not be dispensed. Notwithstanding the
foregoing., PROVANTAGE guarantees a 99.99% accuracy rate for dispensing
Pharmaceuticals hereunder and shall reimburse AMS for the drug cost and
dispensing fee of any inaccurately dispensed Pharmaceutical. In the event that
the accuracy ratio falls below that which was guaranteed in any one calendar
year, PROVANTAGE will pay to AMS $300 for each tenth of a percent required to
meet the guaranteed rate up to a maximum annual penalty of $5,000. AMS shall be
permitted to review at PROVANTAGE's premises the quarterly reports generated and
maintained by PROVANTAGE detailing the accuracy of PROVANTAGE's processing of
the Pharmaceuticals.

These penalties shall be in addition to any other rights, remedies or recoveries
AMS may have under this Agreement or available at law or in equity.

18.  BILLING AND REIMBURSEMENT. With respect to each prescription filled by
PROVANTAGE, AMS shall pay PROVANTAGE the charges set forth in the Data Sheet
attached hereto or the applicable Plan Parameters plus any applicable state or
federal sales or use taxes.

19.  REPORTS. PROVANTAGE shall furnish to AMS a monthly report reflecting the
Pharmaceuticals dispensed pursuant to this Agreement, the details of which AMS
agrees to treat as confidential under applicable federal and state guidelines.

                            IV. FORMULARY MANAGEMENT

20.  APPOINTMENT. Except as provided herein, AMS hereby appoints PROVANTAGE as
its exclusive formulary management agent for the Plans during the Initial Term,
and PROVANTAGE hereby accepts such appointment.

21.  AUTHORITY. PROVANTAGE hereby agrees to perform various formulary management
services with respect to the Plans, and AMS hereby grants PROVANTAGE the
authority and empowers PROVANTAGE to perform those formulary management services
as described herein, and as may be agreed to in writing from time to time by AMS
and PROVANTAGE. In addition, PROVANTAGE shall offer to AMS those formulary
management services as described in Paragraph 1 of the Standard Clinical
Programs as set forth on EXHIBIT C. PROVANTAGE and AMS shall work cooperatively
in the implementation of such services to be performed by PROVANTAGE. In
addition, PROVANTAGE agrees to offer to AMS any other relevant formulary
management services or programs that it makes available to PROVANTAGE's other
clients at terms to be agreed upon by the parties.

22.  PROVANTAGE FORMULARY. The PROVANTAGE formulary (the "Formulary") is a
prescription drug formulary containing a listing of preferred medications in the
most commonly prescribed therapeutic categories. The Formulary has been prepared
by licensed clinical pharmacists, and is based upon evaluation of the quality,
efficacy, safety and cost of various pharmaceutical products. The list of drugs
on the Formulary may be modified from time to time as a result of PROVANTAGE's
continuing evaluation of the Formulary, based upon factors including but not
limited to medical appropriateness, manufacturer rebate arrangements and patent
expirations.

PROVANTAGE and AMS agree to implement the Formulary with respect to the Plans
and hereby grants AMS the right to use, during the term of this Agreement,
PROVANTAGE's Formulary. AMS shall distribute copies of the Formulary to all Plan
Participants at the time identification cards are sent out. With AMS' full
cooperation and assistance, PROVANTAGE may implement various Formulary
compliance programs and cost containment initiatives, which may include
communication with Plan Participants, Participating Pharmacies and/or treating
physicians. The parties will work together in good faith to develop innovative
products, including products utilizing restrictive drug formularies and/or
<PAGE>   9
restrictive pharmacy networks. PROVANTAGE agrees to provide to AMS updates to
the Formulary at least quarterly and agrees to cooperate with AMS in AMS'
suggested modifications to such Formulary.

AMS understands and agrees that AMS' right to utilize the Formulary is limited
solely to AMS' own use in connection with the Plans. AMS further understands and
agrees that, except in connection with such limited use, AMS shall at no time
copy, distribute, sell or otherwise provide the Formulary to any third party
without PROVANTAGE's prior written approval. On or prior to termination of this
Agreement, AMS shall cease all use of the Formulary and shall return to
PROVANTAGE all copies in its possession. Plan Participants and any other parties
to whom AMS has provided the Formulary shall be instructed by AMS to discontinue
use of the Formulary and to destroy all copies on or before the effective date
of termination. Upon PROVANTAGE's request, AMS shall provide proof to PROVANTAGE
that it has complied with all of the terms and conditions set forth in this
paragraph.

If PROVANTAGE implements a program that causes a Plan Participant's prescription
to be changed from one chemical entity to another without first gaining the
consent of AMS, PROVANTAGE shall pay AMS a penalty of $1,000. PROVANTAGE shall
also reimburse AMS for any excess amount paid by the Plan Participant for a
higher cost drug. ProVantage understands and agrees to this provision up to a
maximum penalty of $5,000 per year.

This penalty shall be in addition to any other rights, remedies or recoveries
AMS may have under this Agreement or available at law or in equity.

23.  PHARMACEUTICAL MANUFACTURER'S INCENTIVE PAYMENTS. Incentive payments may be
received from certain pharmaceutical manufacturers as a result of the inclusion
of such manufacturers' products on the Formulary ("Incentive Payments").
PROVANTAGE will provide AMS with the amount of Incentive Payments received by
PROVANTAGE on behalf of AMS or the Plans, based upon the utilization of
participating manufacturers' Formulary included drugs to Plan Participants, as
described in Part 6 of the Data Sheet.

AMS agrees that during the term of this Agreement, neither AMS nor the Plans
will directly or indirectly negotiate or arrange or contract in any way with any
entity for Incentive Payments related to the purchase of prescription drugs from
any pharmaceutical manufacturer during the Initial Term of this Agreement. In
the event AMS or any of the Plans negotiate or arrange with a pharmaceutical
manufacturer or any other entity for Incentive Payments related to the purchase
of prescription drugs or services during the Initial Term of this Agreement,
PROVANTAGE may, in addition to any other remedy available at law or in equity,
immediately terminate AMS' and the Plans' participation in the PROVANTAGE
Formulary program, and PROVANTAGE shall be entitled to retain 100% of any and
all Incentive Payments due to AMS under this Agreement which have not been paid
to AMS as of the date AMS' participation so terminates. The parties acknowledge
and agree however that AMS reserves the right to submit requests for proposals
to other prescription benefit managers nine months prior to the end of the
Initial Term of this Agreement, and PROVANTAGE shall not consider such activity
to be a violation of this Section or the Agreement as long as PROVANTAGE remains
the exclusive provider of services hereunder in accordance with the terms of
this Agreement.

                         V. GENERAL TERMS AND CONDITIONS

24.  APPLICABLE PLAN. AMS authorizes PROVANTAGE to fill prescriptions and
reimburse Participating Pharmacies or Plan Participants in accordance with this
Agreement, including the Plan Parameters and the Data Sheet. The Plan Parameters
are expressly incorporated into this Agreement and must be completed prior to
PROVANTAGE providing any services hereunder. The Plans shall be in effect for
the term of this Agreement unless modified by AMS. AMS may elect to amend the
Plans, with sufficient written notice to PROVANTAGE.
<PAGE>   10
25.  TERM OF AGREEMENT. Subject to the terms and conditions of the following
paragraph, the initial term and commencement date of this Agreement shall be
three (3) years commencing January 1, 2000, as indicated on the Data Sheet, and
ending at the close of business on December 31, 2002 (the "Initial Term"). At
the end of the Initial Term, and on each anniversary thereafter, the term of
this Agreement shall automatically renew for successive one (1) year terms,
unless either party notifies the other party of its intent to terminate this
Agreement at the end of the then-current term, which notice shall be given at
least ninety (90) days prior to the expiration of the then-current term.

26.  TERMINATION. This Agreement may be terminated by either party as of the
date written notice of such termination is received by the other party in the
event that:

     A.   any law or regulation becomes effective after the date of this
          Agreement which would render the services provided by PROVANTAGE under
          this Agreement in violation of such law or regulation; or

     B.   any law or regulation becomes effective after the date of this
          Agreement which would render the Plans provided by AMS under this
          Agreement in violation of such law or regulation; or

     C.   the non-terminating party fails to make any of the payments referred
          to in this Agreement or breaches any of the other terms and provisions
          of this Agreement, and such payment is not made (in the absence of a
          bona fide dispute) or such breach is not cured within 30 days after
          the date the terminating party has given written notice to the other
          of such late payment or breach; or

     D.   the non-terminating party shall make an assignment for the benefit of
          creditors, is adjudicated insolvent, has a receiver or trustee
          appointed for a substantial part of its property, or has a proceeding
          commenced against it which will substantially impair its ability to
          perform hereunder.

In addition, AMS shall have the right to terminate this Agreement in the event
that PROVANTAGE does not allow a Regulator (as hereinafter defined) or AMS or
its designated outside auditing firm access to PROVANTAGE and its books and
records for auditing purposes in connection with Paragraphs 9 and 33 of this
Agreement, provided AMS has provided reasonable notice of such audit, agrees to
the reasonable audit procedures in PROVANTAGE'S External Account Audit Policy
and the requested audit procedure would not have a disruptive effect on the
normal service levels provided by PROVANTAGE to its other clients.

AMS is responsible for all of PROVANTAGE's post termination processing charges
in accordance with the terms of this Agreement. Claims that are received and
processed by PROVANTAGE after termination will be subject to the rate so
specified on the Data Sheet for a period of NINETY (90) days after the effective
date of termination of this Agreement. AMS remains responsible for the payment
of all claims submitted to PROVANTAGE with a date of service prior to the
effective date of termination, as well as all of PROVANTAGE's administrative
charges during the NINETY (90) day period after termination.

PROVANTAGE shall have the right to advise Participating Pharmacies that
effective on the termination date, AMS' Plan Participants are not eligible to
receive benefits under the Plan. The post-termination fees indicated on the Data
Sheet will apply. The termination of this Agreement by either party shall not
affect any liabilities of AMS for the payments and charges due PROVANTAGE or its
Participating Pharmacies. These rights shall be in addition to all other rights
and remedies of PROVANTAGE as allowed by law or in equity. In addition, the
termination of this Agreement by either party shall not relieve PROVANTAGE or
its Participating Pharmacies of its/their post termination responsibilities.
These rights shall be in addition to all other rights and remedies of AMS as
allowed by law or in equity.
<PAGE>   11
27.  CHANGE OF CONTROL. In the event that AMS experiences a Change of Control
(as hereinafter defined) and either (i) this Agreement is terminated following
such Change of Control during the Initial Term, except in accordance with
Section 26, or (ii) AMS loses an amount equal to or greater than one-third of
its total Plan Participants as compared to its total Plan Participants as of the
date hereof (a "Substantial Loss of Lives"), the parties acknowledge that
PROVANTAGE will suffer a material adverse impact on its business which may not
be susceptible of precise determination. In such event, AMS shall pay to
PROVANTAGE the sum of $100,000 per month for every full calendar month between
the date of AMS' termination and December 31, 2002. AMS acknowledges and agrees
that the foregoing amounts are a reasonable approximation of the damages
PROVANTAGE will suffer due to a Change of Control that results in an early
termination by AMS or a Substantial Loss of Lives and shall be deemed liquidated
damages and not a penalty. This Section 27 shall apply to any successor or
assignee of AMS permitted under this Agreement.

For purposes of this Paragraph, a "Change of Control" shall be deemed to have
occurred if, after the Commencement Date of the Agreement a majority of
Directors of American Medical Security Group, Inc. ("AMSG") cease to continue to
serve as Directors of AMSG as the direct or indirect result of, or in connection
with the occurrence of: (a) any person, including a "group" as defined in
Section 13(d)(3) of the Securities Exchange Act of 1934, becoming, directly or
indirectly, the beneficial owner of securities of the Company, or any other
subsidiary, representing more than fifty percent (50%) of the combined voting
power of the then outstanding securities of AMSG that may be cast for the
election of Directors of the Company; or (b) a cash tender or exchange offer, a
merger or other business combination, a contested election of directors, or any
combination of these transactions.

28.  RELATIONSHIP BETWEEN PARTIES. Nothing in this Agreement shall be construed
to constitute either party a partner, joint venturer, employee or agent of the
other, nor shall either party have authority to bind the other in any respect,
it being intended that each shall remain an independent contractor solely
responsible for its own actions. No employee or agent of one party hereto shall
be considered an employee or agent of the other party hereto. The Participating
Pharmacies which provide services to the Plan Participants shall also do so as
independent contractors.

29.  LIST OF ELIGIBLE PLAN PARTICIPANTS. The parties acknowledge that PROVANTAGE
has a list of all eligible Plan Participants and the current Plan Parameters.
AMS is responsible for providing PROVANTAGE with any changes to such list or
parameters, (additions, deletions and/or terminations) in writing as soon as
reasonably possible after they occur. Provided AMS has provided PROVANTAGE with
accurate and complete eligibility data, PROVANTAGE shall update its eligibility
records within one business day after receipt from AMS. PROVANTAGE agrees that
its failure to process batch eligibility data within this timeframe due to
errors by PROVANTAGE or failures within PROVANTAGE's system will result in
PROVANTAGE paying to AMS a penalty of 4% of PROVANTAGE's electronic claims
administrative fee for the then current billing period for each incident for
which PROVANTAGE has a failure hereunder, up to a maximum annual penalty of
$5,000. This penalty shall be in addition to any other rights, remedies or
recoveries AMS may have under this Agreement or available at law or in equity.

In the event of a Plan Participant's termination, such Plan Participant(s) and
their dependents will be considered eligible for up to one full business day
after notification has been received by PROVANTAGE. Until such time, AMS will be
responsible for all liabilities incurred by the terminated Plan Participant(s)
and their dependents. AMS shall hold PROVANTAGE harmless and without liability
for any errors or omissions, or any related problems that may result from AMS'
failure to provide an accurate, updated listing of eligible Plan Participants.

30.  COMMUNICATION TO PLAN PARTICIPANTS.PROVANTAGE recognizes the relationship
between AMS and Plan Participants. As such, PROVANTAGE shall not communicate
directly with Plan Participants except in its performance of its services
hereunder. PROVANTAGE shall provide AMS with a draft of all written non-standard
communications to be sent to Plan Participants for AMS' prior review.
<PAGE>   12
31.  NON-LIABILITY. Without limiting any other indemnification set forth
elsewhere in this Agreement, AMS agrees to indemnify, defend, and hold
PROVANTAGE harmless from liability for any claim, injury, demand or judgment
based on contract, tort, or other grounds (including warranty of
merchantability) arising directly or indirectly out of:

     A.   PROVANTAGE's providing Drug Utilization Review (DUR) services
          described herein; and

     B.   Payment of fraudulent claims or filling of fraudulent prescriptions if
          the fraud is committed by AMS, a Plan Participant or any party other
          than PROVANTAGE. "Fraudulent claims" shall include: (i) the
          unauthorized, illegal or wrongful use of any card issued by AMS to any
          of AMS' Plan Participants, and (ii) the wrongful use of any card that
          is lost or stolen until notification is received by PROVANTAGE.

AMS acknowledges that the Participating Pharmacies have been chosen by
PROVANTAGE based on their willingness to provide pharmacy services to the Plan
Participants. In addition, PROVANTAGE has contractually required that the
Participating Pharmacies have met the following minimum required enrollment
criteria:

     U.   State and federal pharmacy licenses;

     V.   Possession of individual practitioner's malpractice insurance;

     W.   Possession of pharmacy's malpractice insurance;

     X.   Federal tax identification number;

     Y.   Proof of individual pharmacist's licensing; and

     Z.   Acceptable disciplinary history.

PROVANTAGE has not performed any other investigation or review of any
Participating Pharmacy's operations.

In addition, and without limiting the generality of the foregoing, each party
agrees to indemnify, defend and hold harmless the other party and its directors,
officers and employees acting in the scope and course of their employment and
not as Plan Participants against all claims, lawsuits, settlements, judgments,
costs, penalties and expenses, including attorney's fees, with respect to this
Agreement and the acts of the indemnifying party or its employees, acting alone
or in collusion with others, if it determined that the indemnified party's
liability therefor was the direct consequence of negligence, criminal conduct or
fraud on the part of the indemnifying party or its directors, officers or
employees.

32.  NOTICES. All notices provided for in this Agreement shall be in writing and
shall be sent by registered or certified mail, express mail, facsimile, or
delivered in person to the other party at the address above or indicated on the
Data Sheet or such other address as may be provided to the other party in the
same manner as that provided for giving of any notice. All notices shall be
deemed to have been received on the third (3rd) day after the date said notice
was mailed; or twenty four (24) hours following the time of said notice if sent
by facsimile, or immediately upon personal delivery.

33.  COOPERATION WITH REGULATORY AUDITS. PROVANTAGE acknowledges that AMS is
involved in the business of insurance, and as such, AMS is subject to certain
laws related to the business of insurance. PROVANTAGE also acknowledges that the
services provided by PROVANTAGE hereunder are related to AMS' providing its
insurance services to Plan Participants. In the event that it is requested by a
state's insurance regulator or its agent or representative (collectively a
"Regulator") that
<PAGE>   13
the Plans or the related services provided by PROVANTAGE be examined, audited or
inspected, PROVANTAGE shall make its books and records and all other aspects of
its operations related to this Agreement available to such Regulator for such
examination, inspection or audit, as required by applicable law.

34.  MAINTENANCE OF RECORDS. PROVANTAGE shall maintain such records with regard
to services provided hereunder as it shall determine to be necessary and
appropriate under the circumstances and as may be required under applicable
laws, rules and regulations. PROVANTAGE shall have no responsibility for the
maintenance of any records by or which are the obligation of AMS. Records kept
by PROVANTAGE with respect to AMS' Plan Participants may be reviewed by AMS
during regular business hours, at AMS' expense provided, however, that no such
review shall relate to records for prescriptions dispensed more than two (2)
years prior to the date such review is requested, except if requested by a
Regulator.

35.  OWNERSHIP OF INFORMATION. AMS shall be the owner of administration and
claims processing information in accordance with applicable state laws,
including insurance regulations and rules. Upon termination of this Agreement,
at AMS' option, such information shall be forwarded to AMS at AMS' sole cost and
expense. PROVANTAGE shall have the right to use all such information for
purposes of this Agreement.

36.  ACCESS TO PROLINK AND PROVQUERY. Subject to a separate license agreement(s)
to be negotiated by the parties, at no fee, PROVANTAGE will grant to AMS a
personal, non-transferable, non-exclusive license to use PROVANTAGE's ProLink
and ProVQuery programs in connection with this Agreement.

37.  CLIENT SERVICE TEAM. PROVANTAGE shall establish an AMS Account Service Team
("AMS Service Team") during the term of this Agreement. Initially the team
should be headed up by Glen Laschober. In addition, PROVANTAGE will have
representatives from its Benefit Design and Analysis, National Accounts,
Information Systems, Marketing, Trade Relations, Clinical and Operations
Departments. The AMS Service Team shall meet with representatives from AMS for a
full day each month during the term of this Agreement to identify cost
reductions, service level improvements and sales and marketing opportunities
that positively impact AMS. Should PROVANTAGE change AMS' primary contact in
Client Relations without AMS' consent as to such contacts replacement, which
consent shall not be unreasonably withheld, PROVANTAGE shall pay AMS a $5,000
penalty. In addition, should PROVANTAGE fail to meet with AMS within two weeks
of any scheduled meeting in accordance with this Paragraph for reasons unrelated
to AMS, PROVANTAGE shall pay AMS a penalty of $500 per occurrence up to a
maximum annual penalty of $5,000. These penalties shall be in addition to any
other rights, remedies or recoveries AMS may have under this Agreement or
available at law or in equity.

38.  CONFIDENTIALITY. Each party to this Agreement agrees that it shall receive
and hold in confidence any knowledge or information (including this Agreement
and all compensation, terms and conditions thereof) concerning the affairs or
business of the other party, and the other party's programs, procedures, or
systems and will not, during or after the term hereof, disclose same to any
third party or use same for the benefit of itself or any other person, firm or
corporation related to or associated with it in any way, except as may be
required for the performance of this Agreement or as may be required by law.
Each party agrees to hold the other party harmless from liability for any claim,
injury, demand or action based on the unauthorized release of any of the
above-described confidential information.

In the performance of its obligations under this Agreement, PROVANTAGE will
receive private and confidential information concerning the Plan Participants.
PROVANTAGE is sensitive to the confidential nature of the files it maintains and
warrants that it shall hold all such information confidential and shall not
disclose such information to any entity other than AMS, unless required by law
or to enable its performance under this Agreement.
<PAGE>   14
39.  NO THIRD PARTY BENEFICIARIES. Except as set forth in Paragraph 3 above, no
individual person, Plan Participant, insurance company, third party payer or
other entity, other than PROVANTAGE and AMS (except governmental authorities to
the extent required by law), is or shall be entitled to bring any action to
enforce any provision of this Agreement against either of the parties hereto,
and that the covenants, undertakings, and agreements set forth in this Agreement
shall be solely for the benefit of, and shall be enforceable only by, the
parties hereto, or their respective successors and assignees as permitted
hereunder.

40.  EXCLUSIVITY. With respect to each Plan, PROVANTAGE shall be the sole and
exclusive provider of the services described in this Agreement to AMS during the
Initial Term of this Agreement. In the event that this Agreement automatically
renews for successive one (1) year terms after the Initial Term, PROVANTAGE
shall no longer be the exclusive provider of any of the services described in
this Agreement. However, nothing in this Agreement shall prohibit PROVANTAGE
from contracting with any other person, firm, corporation or other entity for
any purpose whatsoever for the providing or delivery of the same or similar
services as those described in this Agreement. In limitation of the foregoing,
PROVANTAGE recognizes and agrees to the exclusivity limitation in Section 1 of
this Agreement.

41.  NON-DISCRIMINATION. PROVANTAGE shall not discriminate against any AMS or
Plan Participant on the basis of race, color, sexual orientation, marital
status, disability, national origin, creed, sex or age.

42.  ASSIGNMENT. This Agreement shall not be assignable by either party to any
other person or entity, and any attempted assignment shall be void and of no
force and effect, unless the written consent of the non-assigning party shall
have first been obtained, which consent shall not be unreasonably withheld.
PROVANTAGE acknowledges and agrees that AMS has affiliate corporations
including, but not limited to, AMS, Inc., that perform administrative services
to Holdings, UWLIC, Unity and AMH in connection with this Agreement.

43.  REGULATORY COMPLIANCE. AMS acknowledges that the Plans are or may be
"employee welfare benefit plans" as defined in the Employee Retirement Income
Security Act of 1974, as amended ("ERISA"), 29 U.S.C. ss. 1001 et seq., and the
regulations promulgated under that act. PROVANTAGE will provide AMS with any
information in PROVANTAGE's possession necessary for AMS and the Plans to comply
with any laws or regulations applicable to Plans, but AMS' compliance with any
such laws and regulations shall be the sole responsibility of AMS and/or the
Plans and AMS shall comply and ensure that the Plans comply with all such laws
and regulations. PROVANTAGE will obtain and maintain any licenses or regulatory
approvals necessary for it to perform PROVANTAGE's services under the Agreement.
AMS shall not name PROVANTAGE or represent that PROVANTAGE is, and PROVANTAGE
shall not be, a Plan Administrator or a named fiduciary of the Plan as those
terms are used in ERISA. AMS shall have complete discretionary, binding and
final authority to construe the terms of the Plan, to interpret ambiguous Plans
language, to make factual determinations regarding the payment of claims or
provisions of benefits, to review denied claims and to resolve complaints by
Plan Participants.

44.  PRIOR AGREEMENTS. This Agreement is intended to supplant, replace and
supersede the 1996 Agreement, the 1995 Agreement and that certain Maintenance
Prescription Drug Plan Agreement between AMS and PROVANTAGE dated September 2,
1994 (collectively the "Prior Agreements"). As of the commencement date of this
Agreement, said Prior Agreements shall be null and void, except with respect to
any obligations which arose prior to the commencement date of the term of this
Agreement.

45.  EMPLOYEES. AMS agrees that during the term of this Agreement, and for a
period of one (1) year thereafter, AMS and AMS' affiliates will not, directly or
indirectly, hire or employ, or solicit or offer employment to any employee of
ShopKo Stores, Inc. ("ShopKo") or any of ShopKo's subsidiaries, including
without limitation, PROVANTAGE, without ShopKo's prior written consent. The
foregoing limitation shall apply only with respect to ShopKo employees who,
during the term of their employment
<PAGE>   15
with ShopKo, held a management level position or any position within ShopKo's
MIS/computer systems departments.

PROVANTAGE agrees that during the term of this Agreement, and for a period of
one (1) year thereafter, PROVANTAGE and PROVANTAGE's affiliates including, but
not limited to ShopKo Stores, Inc., will not, directly or indirectly, hire or
employ, or solicit or offer employment to any employee of American Medical
Security Group, Inc., or any of American Medical Security Group, Inc.'s
subsidiaries, including without limitation, AMS, without American Medical
Security Group, Inc.'s prior written consent. The foregoing limitation shall
apply only with respect to AMS employees who, during the term of their
employment with AMS, held a management level position or any position within
AMS' IT/computer systems departments.

46.  NETWORK MAINTENANCE AND ACCESS. PROVANTAGE guarantees that no more that 15%
of the Participating Pharmacies shall voluntarily terminate their agreements
with PROVANTAGE during any one calendar year during the term of this Agreement.
If more than 15% terminate in any one calendar year, PROVANTAGE shall pay AMS up
to $500 per year. In addition, PROVANTAGE will guarantee AMS access to a custom
national network of retail Participating Pharmacies that will process at least
95% of the prescription claims that would have been processed in ProVantage's
standard national network of Participating Pharmacies and further guarantees
that number of Participating Pharmacies in urban, suburban and rural categories
through GeoAccess reporting on an annual basis to ensure the following:

     A.   98% of the Plan Participants living in urban areas shall have at least
          one Participating Pharmacy within two miles of their home; and

     B.   99.3% of the Plan Participants living in suburban areas shall have at
          least one Participating Pharmacy within five miles of their home; and

     C.   97.8% of the Plan Participants living in rural areas shall have at
          least one Participating Pharmacy within 15 miles of their home.

Should any of the above percentages of access for the Plan Participants fall
below the levels outlined above for the access standards specified, PROVANTAGE
shall pay to AMS a $250 penalty for each percentage point by which the guarantee
is not met, up to a maximum annual penalty of $5,000.

These penalties shall be in addition to any other rights, remedies or recoveries
AMS may have under this Agreement or in accordance with applicable law.

47.  INSURANCE. During the term of this Agreement, PROVANTAGE shall maintain in
effect errors and omissions insurance, and such other coverages as AMS may
reasonably request, covering PROVANTAGE and the performance of the services
hereunder, such insurance to be obtained in such amounts and from insurance
companies reasonably acceptable to AMS, and shall provide AMS with certificates
of insurance evidencing such coverage from the companies providing the same.

48.  MOST FAVORED NATION STATUS. During the Initial Term of this Agreement,
PROVANTAGE agrees that its compensation package to AMS for the products and
services covered by this Agreement shall be the most favorable as PROVANTAGE
offers to any other similarly situated customer. PROVANTAGE will warrant to AMS
compliance with this provision each year during the Initial Term of this
Agreement; however, nothing in this provision or this Agreement shall obligate
PROVANTAGE to make available to AMS its agreements with other PROVANTAGE
customers.

49.  FILE FORMATTING. The parties acknowledge that PROVANTAGE provided services
to AMS prior to the effective date of this Agreement utilizing file formats that
are compatible to AMS' current formats. In the event that PROVANTAGE makes any
system changes which causes the existing AMS file formats to not be compatible
with PROVANTAGE's system, AMS shall provide PROVANTAGE with its
<PAGE>   16
cost of making such file formatting change. PROVANTAGE will have the option to
either: a) have AMS make such changes and reimburse AMS for its cost, or b)
accept existing AMS file formatting and translate it at PROVANTAGE'S cost to a
file format which meets PROVANTAGE'S new requirements.

50.  MISCELLANEOUS PROVISIONS. The provisions of this Agreement shall bind and
inure to the benefit of the parties hereto and their heirs, legal
representatives and successors. Failure to exercise any of the rights granted
hereunder for any one default shall not be a waiver of the right to exercise any
of these rights for subsequent default. Neither this Agreement nor any term
hereof may be changed, waived, discharged, or terminated orally, but only by an
instrument in writing signed on behalf of both parties. Time is of the essence
in the performance of each and every obligation herein imposed. This Agreement
and all Exhibits attached hereto when executed by all parties constitutes the
entire understanding between the parties hereto. In the event any provision or
part thereof contained in this Agreement shall be determined by a court of
competent jurisdiction to be invalid or unenforceable, such invalidity or
unenforceability shall not affect the validity or enforceability of any other
provision or part thereof contained herein. The headings in this Agreement are
used solely for the purpose of convenience and shall not be deemed to list the
subject of any provision or be considered in the construction thereof. This
Agreement shall be construed and enforced according to the laws of the State of
Wisconsin, without regard to principles of conflict of law, and ERISA, where
applicable . Both parties understand that it is their respective obligation to
comply with all applicable state, federal and local laws, regulations and
guidelines.
<PAGE>   17

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement to
begin as noted in the Data Sheet.

AMERICAN MEDICAL SECURITY HOLDINGS, INC.

By:  /s/ James C. Modaff                               Date: January 7, 2000
   ---------------------------------------------             ---------------
Title:  Executive Vice President, Chief Actuary
       -----------------------------------------

Attest:  /s/ Julie Van Straton                         Date: January 7, 2000
       -----------------------------------------             ---------------

PROVANTAGE HEALTH SERVICES, INC.

By: /s/ Glen C. Laschober                              Date: January 4, 2000
    --------------------------------------------             ---------------

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

Attest:  /s/ Michelle H. Fullerton                     Date: January 4, 2000
       ------------------------------------------            ---------------

(Exhibits to this agreement have been omitted and will be furnished
supplementally to the SEC upon request)

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