Document:

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                                                                   Exhibit 10.14

                      -------------------------------------
                             [LOGO OF e-MedSoft.com]
                      -------------------------------------

August 13, 2001

John Shepherd
107 N, Roscoe Blvd
Ponte Verde Beach. FL 32082

Dear John:

This letter is to confirm our discussion and agreement relative to your
termination from e-MedSoft.com (the "Company"), your claims against the
Company, and claims the company has against you. This letter, upon your
execution, supersedes Article 5 of your Executive Employment Agreement
(attached) with the Company and constitutes a fina1 binding settlement
between you and the Company with regard to all pending disputes, claims, causes
of action, and disputes, including, but not limited to, claims for breach of
contract, age discrimination, and violations of labor and/or employment laws. By
executing this, Agreement, you and the Company are mutually releasing all
claims, known and unknown, that might be asserted between and among you and the
Company, including, any claims by, or against, any agents, officers, directors,
stockholders, employees, attorneys, or warrant holders.

          1. Your last day of employment with the Company was July 20, 2001.

          2. You will be paid in regular semi-monthly payroll cycles for 124.97
             hours of unused vacation ("vacation period") which equates to
             $13,518.39. A check for 56 hours of vacation will be issued
             immediately.

          3. You will be paid a severance of $9,375.00 in six (6) regular
             semi-monthly payroll cycles ("severance period") (totaling
             $56,250.00). These severance payments will start with the pay
             period ending August 31, 2001.

          4. The Company will pay your COBRA benefits through December 31, 2001.

          5. You will receive fully vested options on 160,000 shares of
             e-MedSoft.com stock at $.01 through the Company's 2000
             Non-Qualified Stock Option and Stock Bonus Plan. Those will be
             registered and unrestricted shares. The shares will be delivered to
             you or your broker within five (5) business days of the execution
             of this agreement. On any given trading day, you may not trade more
             than 10,000 shares per day. For purposes of this provision, a trade
             shall constitute any sale, transfer, option, warrant, assignment,
             hedge, pledge, or loan concerning or relating to the subject
             shares. This limitation is not cumulative, that is, no matter what,
             on any given trading day you may not conduct a transaction in
             excess of 10,000 shares. Any such transaction in violation of this
             agreement shall cause the termination of all of your shares. Your
             broker must confirm that he/she will abide by these trading
             restrictions.

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          6. You will immediately dismiss and withdraw any complaint or claim
             you have made against the Company in any Court, Arbitration, or
             with any governmental body, and you shall dismiss and withdraw any
             complaint against any person associated with the Company, including
             any officer, director, shareholder, employee, attorney, or agent.
             You shall not file any such complaint.

          7. The Company and any person associated with the Company, including
             any officer, director, employee, attorney, or agent shall
             immediately dismiss and withdraw any complaint, investigation or
             claim they have made against you in any Court, Arbitration, or with
             any governmental body. The company shall not file any such
             complaint.

          8. You shall maintain the confidentiality of the Company's trade
             secrets and financial data.

          9. You will make yourself available to assist the Company in its
             litigation with VidiMedix. Such assistance will include, but not be
             limited to, meeting with Company counsel to discuss the facts of
             the case, executing truthful declarations (when necessary)
             regarding the facts of the case, offering truthful deposition or
             trial testimony regarding the facts of the case. You further agree
             that you will not discuss the facts of the case, or any matter
             relating to that case with any party (or any representative of any
             party, including any attorney, agent, or investigator) without the
             prior written consent of the Company unless otherwise order by a
             court of law.

After conferring with your advisor or legal counsel, please confirm that you are
in agreement with these terms.

Sincerely,

/s/ John F. Andrews
John F. Andrews
Chairman and CEO

Agreed to and accepted by:

/s/ John Shepherd
--------------------------
John Shepherd

Attach.

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                         EXECUTIVE EMPLOYMENT AGREEMENT

          THIS EXECUTIVE EMPLOYMENT AGREEMENT (the "Agreement") is made by and
between e-MedSoft.com, a Nevada corporation (the "Company"), and John
Shepherd ("Executive") as of the date of execution below and in view of the
following:

          A.     The Company is a corporation engaged in the business of
providing computer software and services solutions to companies engaged in the
business of providing health care services.

          B.     Executive has expertise in the fields and potential fields in
which the Company is engaged.

          C.     The Company recognizes Executive's skills, judgment and ability
and the Company believes Executive's experience, knowledge and abilities will be
extremely valuable to the Company.

          ACCORDINGLY, the parties now agree as follows:

                                    Article 1
                                TERM OF AGREEMENT

          1.1    INITIAL TERM. The initial term of this Agreement (the "Term")
shall begin on the date of execution and shall continue until the earlier of (a)
the date on which it is terminated pursuant to Article 5 or (b) August 28, 2003.

          1.2    RENEWAL TERMS. Unless either party gives written notice to the
other party of its election to terminate this Agreement at least sixty (60)
days prior to the end of the then-current term, without further action by
either party, this Agreement shall be renewed on August 28, 2003 and in each
succeeding year for an additional term of one year until terminated pursuant
to Article 5 (the "Additional Term").

                                    Article 2
                                   EMPLOYMENT

          2.1    EMPLOYMENT OF EXECUTIVE. The Company hereby hires Executive as
its Chief Operating Officer. Executive hereby accepts such employment on the
terms and conditions of this Agreement.

          2.2    DUTIES. Executive's duty shall be to manage the operations of
the service portion of the Company's business by reporting to and following the
direction of the Company's President and CEO or his designee. Notwithstanding
the foregoing, Executive shall have at a minimum the duties and responsibilities
commonly incident to the position of a Chief Operating Officer. The Company
may reasonably request travel in connection with the business of the Company
from time to time.

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          2.3    STANDARD OF PERFORMANCE. Executive agrees that he will at all
times faithfully and industriously and to the best of his ability, experience
and talents perform all of the duties that may be required of and from him
pursuant to the terms of this Agreement. Executive acknowledges and understands
that the Company's business is very private and confidential. Executive
acknowledges and understands that the Company sincerely desires its activities
to be conducted ethically, morally, legally and in an honorable and respectful
manner. Executive agrees to be faithful to these purposes in carrying out his
duties hereunder.

          2.4    EXCLUSIVE SERVICE. During the term of this Agreement:

                 (a)     Executive shall devote all of his business time,
energies and abilities to the performance of his duties under this Agreement
(reasonable absences for illness and during holidays and vacations excepted).

                 (b)     Executive shall not, without prior notice to the
Company, render to others any substantial service of any kind that would
materially interfere with Executive's fulfillment of his duties hereunder.

                 (c)     Executive shall not, without prior notice to the
Company, maintain any affiliation with, whether as an agent, consultant,
Executive, officer, director, trustee or otherwise, nor shall he directly or
indirectly render any services of any advisory nature or otherwise to, or
participate or engage in, any other business or investment activity; provided,
however, that Executive may continue to maintain any such directorships with
companies that are not technology companies competitive with the business of
Company. Notwithstanding the foregoing, Executive may engage in charitable or
other business activities that do not directly or indirectly compete with the
business of the Company.

                                    Article 3
                                  COMPENSATION

          3.1    SALARY. During the term of this Agreement, the Company shall
pay to Executive an annual salary of not less than Two Hundred and Twenty Five
Thousand Dollars ($225,000) in equal installments payable no less frequently
than semi-monthly (the "Base Salary"). Executive shall be eligible to receive
annual cost of living adjustments in conjunction with Employer's standard
practices and procedures.

          3.2    BONUS. Executive shall be eligible to receive in addition to
his Base Salary, annual incentive compensation up to 60% of his then current
Base Salary. Said annual incentive compensation will be based on business and
personal performance objectives as shall be determined by the President and CEO
of the Company.

          3.3    FRINGE BENEFITS. Subject to Section 3.5 and upon satisfaction
of the applicable eligibility requirements, Executive shall be entitled to all
fringe benefits, which Company may make available from time to time for its
executives. Such benefits shall include, without limitation, those available, if
any, under any group insurance, pension or retirement plans or sick leave policy
that may be developed by Company in the future.

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          3.4    VACATION. For calendar year 2000, Executive shall be entitled
to four (4) weeks of vacation. Thereafter, during each subsequent calendar year
of the Term and any Additional Term, Executive shall he entitled annually to
four (4) weeks of vacation.

          3.5    DEDUCTIONS FROM COMPENSATION. The Company shall deduct and
withhold from all compensation payable to Executive all amounts required to be
withheld for social security, federal, state and other taxes and deductions as
authorized by Executive or required by law.

          3.6    STOCK OPTIONS. Concurrent with the execution of this
Agreement, Executive will be granted options to purchase 150,000 shares
of e-MedSoft.com common stock at an exercise price equal to the closing price of
e-MedSoft.com common stock as reported by The American Stock Exchange on such
date. Eighty Thousand (80,000) of the Options will be granted under an
accelerated vesting schedule as follows: (a) One Third (33.33%) will vest and
become exercisable at the end of Sixty Days (60) from the date of the execution
of this Agreement; (b) another One Third (33.33%) will vest and become
exercisable at the end of Ninety Days (90) from the date of the execution of
this Agreement; and (c) the remaining One Third (33.33%) will vest and become
exercisable at the end of One Hundred Twenty Days (120) from the date of
the execution of this Agreement. The remaining Seventy Thousand (70,000) Options
granted shall be subject to the terms of the e-MedSoft.com Stock Option Plan.
Among other things, the Plan provides that options granted under the Plan will
become vested over a four year period, and exercisable as to portions of the
Shares as follows: (a) on the First Vesting Date the Option will become vested
and exercisable to one quarter (25%) of the Shares; and (b) at the end of the
second year the Option will become vested and exercisable as to 50% of the
Shares and (c) at the end of the third year the Option will become vested and
exercisable as to 75% of the Shares; and the remaining shares will become vested
following the fourth year.

          Executive will also be eligible to quarterly stock option grants which
will be determined by the establishment of milestones which are critical to the
success of the company. These milestones will fall into the categories of
revenue recognition, margin, product delivery and customer service. The
milestones will be established consistent with formal company objectives. The
stock option milestones will be agreed to by the CEO and the executive prior to
the commencement of the period in which executive is eligible. The annual pool
will be 100,000 stock options, with the maximum award each quarter being 25,000
stock options based on performance against the objectives. The stock options
granted will be subject to the terms of the e-MedSoft.com Stock Option Plan.

                                    Article 4
                            REIMBURSEMENT OF EXPENSES

          4.1    TRAVEL AND OTHER EXPENSES. Upon presentment of verifiable
invoices and other reasonable documentation as may be requested by the Company,
Executive shall be reimbursed for the reasonable costs and expenses that he
incurs in connection with the performance of his duties and obligations under
this Agreement.

                                    Article 5

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                                   TERMINATION

          5.1    TERMINATION DATE. The date on which this Agreement terminates
shall be the "Termination Date." After the Termination Date, Executive shall
cease to be employed by Company provided, however, that Executive shall be
paid any and all compensation due from the Company for the entire Term or any
Additional Term to the extent the provisions below so provide.

          5.2    TERMINATION BY THE COMPANY. Subject to the provisions of this
Section 5, the Company may terminate this Agreement at any time for any reason,
either with or without "cause" (as that term is defined in Section 5.3 below. If
the Company terminates Executive other than for "cause" or if the Company
willfully breaches a material provision of this Agreement and fails to cure such
breach within thirty (30) days of written notice from Executive, in addition to
payment of Executive's Base Salary, accrued vacation and reimbursable expenses
through the Termination Date, Executive shall be entitled to the following:

                 (a) SEVERANCE PAY. The Company shall pay Executive upon such
termination a lump-sum amount equal to the greater of (1) the sum of twelve (12)
months' of Executive's then current Base Salary, or (2) the sum of the monthly
portion of the current salary times the number of months (including partial
months) remaining until the Termination Date (the "Severance Pay"). Executive's
entitlement to the Severance Pay shall not be subject to a duty to mitigate,
nor shall the Company be entitled to any credit or right of set-off with respect
to any compensation earned by Executive subsequent to the Termination Date.

          5.3    TERMINATION BY THE COMPANY FOR "CAUSE" For purposes, of this
Agreement, termination for "cause" shall include termination of Executive
by the Company for the following as determined by a majority vote of Company's
Board; (a) a willful breach by Executive of any material provision of this
Agreement that causes substantial damage to the Company and remains uncured by
Executive within thirty (30) days of written notice of such breach from the
Company, (b) a willful failure or refusal to perform Executive's duties
hereunder that causes substantial damage to the Company and remains uncured by
Executive within thirty (30) days of written notice of such breach from the
Company, of (c) if Executive is convicted of a felony. In the event Executive is
terminated for cause pursuant to this Section 5.3 prior to the conclusion of the
Term of this Agreement, there shall be no further compensation of any kind and
no fringe benefits of any kind payable to Executive subsequent to the
Termination Date. In the event Executive is terminated pursuant to this Section
5.3 during any Additional Term, Executive shall receive all compensation and
other benefits he would have otherwise received pursuant to Section 3 above
during the remainder of the Additional Term.

          5.4    TERMINATION BY EXECUTIVE: Any termination by Executive of this
Agreement during the Term shall be deemed to be in violation of this Agreement.

          5.5    OTHER TERMINATION EVENTS. This Agreement shall terminate at
Executive's death.

          5.6    RETURN OF COMPANY PROPERTY AND PROCEEDS. Within five
(5) days after the Termination Date, Executive shall return to Company all
products, books, records, forms,

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specifications, formulae, data processes, designs, papers, computer source
codes, computer object codes, computer information, computer manuals, computer
hardware, computer software and writings relating to the business of Company
including without limitation proprietary or licensed computer programs, customer
lists, billing and collection data, and customer data, and/or copies or
duplicates thereof in Executive's possession or under Executive's control.
Executive shall not retain any copies or duplicates of such property and all
licenses granted to him by Company to use computer programs or software shall
be revoked on the Termination Date.

                                    Article 6
                                   DISABILITY

          6.1    "DISABILITY PERIOD". For purposes of this Agreement,
"Disability Period" means a continuous period of time of at least 180 days
during which Executive suffers any physica1 or mental impairment that causes
Executive to be unable to substantially perform the essential functions of
Executive's position despite reasonable accommodation by the Company.

          6.2    DISABILITY PERIOD AND COMPENSATION. During any Disability
Period, Executive shall be compensated as if he were fully employed hereunder.
In all other circumstances, Executive shall not be compensated at all during any
Disability Period.

          6.3    TERMINATION FOR DISABILITY OR ABSENCE. Notwithstanding any
provision of this Agreement to the contrary, if Executive has been absent from
his employment, for any reason, for a continuous period of more than 180
days, the Company may treat such activity as a termination by Executive and the
Company may terminate this Agreement at that time by giving notice to
Executive specifying the Termination Date. In such a circumstance, the Company
shall not be obligated in any way, shape or form to compensate Executive
further.

                                    Article 7
                                 NON-COMPETITION

          During the term of this Agreement, Executive shall not, without the
prior written consent of Company's Board of Directors, directly or indirectly
render services of a business, professional, or commercial nature to any person
or firm, whether for compensation or otherwise, or engage in any activity
directly or indirectly competitive with or adverse to the business or welfare of
Company, whether alone, as a partner, or as an officer, director, Executive,
consultant or stockholder (other than as a passive investor of no more
than 5% in a publicly traded company, whether or not it competes with the
Company).

                                    Article 8
                            CONFIDENTIAL INFORMATION

          8.1    TRADE SECRETS OF THE COMPANY. Executive understands that,
during the term of this Agreement, he will develop, have access to and become
acquainted with significant and valuable proprietary trade secrets which are
owned by the Company and/or its affiliates and which are regularly used in the
operation of the businesses of such entities. Executive shall not disclose such
trade secrets, directly or indirectly, or use them in any way, either during
the term of this Agreement or at any time thereafter, except as required in the
course of his employment by the Company. All

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files, contracts, manuals, reports, letters, forms, documents, notes,
notebooks, lists, records, documents, customer lists, vendor lists, purchase
information, designs, computer programs, computer source codes, computer
object codes and similar items and information relating to the businesses of
such entities, whether prepared by Executive or otherwise and whether now
existing or prepared at a future time, coming into his possession shall remain
the exclusive property of the Company, and shall not be removed for purposes
other than work-related from the premises where the work of Company is
conducted, except with the prior written authorization by the Board of Directors
of the Company.

          8.2    CONFIDENTIAL DATA OF THE CUSTOMER OF THE COMPANY. Executive, in
the course of his duties, will have access to and become acquainted with
financial, accounting, statistical, and personal data of customers of the
Company and of their affiliates and/or of other persons the Company does
business with from time to time. All such data is confidential and shall not be
disclosed, directly or indirectly, or used by Executive in any way, either
during the term of this Agreement (except as required in the course of his
employment by the Company) or at any time thereafter. Executive shall comply
with all laws and regulations appertaining to the sanctity of others' property,
both intellectual and otherwise.

          8.3    CONFIDENTIALITY PROGRAM. As an executive of the Company,
Executive shall take such steps and shall adopt and/or implement such policies
and programs as may be necessary to protect and to cause all trade secrets and
other confidential information of the Company to be protected including placing
all computer source and object codes into a secure environment. Executive shall
take such steps and shall adopt and/or implement such policies and programs
as may be necessary to cause all subordinate executives of the Company to
protect the trade secrets and other confidential information of the Company, its
affiliates and customers.

          8.4    CONTINUING EFFECT. The provisions of this Article 8 shall
survive the termination of this Agreement.

                                    Article 9
                                OTHER PROVISIONS

          9.1    COMPLIANCE WITH OTHER AGREEMENTS. Executive represents and
warrants to the Company that the execution, delivery and performance of this
Agreement will not conflict with or result in the violation or breach of any
term of provision of any order, judgment, injunction, contract, agreement,
commitment or other arrangement to which Executive is a party or by which he is
bound, including without limitation any agreement restricting the sale of
products similar to Company's products in any geographic location or otherwise.
Executive intends that Company shall rely on his representation and warranty and
that such representation and warranty shall survive this date.

          9.2    DIRECTORS AND OFFICERS INDEMNITY AGREEMENT. The Company shall
provide Executive with a Directors and Officers Indemnity Agreement to be
mutually agreed between Executive and the Board.

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          9.3    ARBITRATION. Any dispute arising out of or relating to this
Agreement shall be submitted to arbitration in Los Angeles County, California,
before a sole arbitrator (the "Arbitrator") selected from the American
Arbitration Association ("AAA"), and shall be conducted in accordance with the
AAA's Employment Dispute Resolution Rules (including the Expedited Labor
Arbitration Procedures) and the provisions of California Code of Civil Procedure
Section 1280 ET SEQ. as the exclusive remedy of such dispute; PROVIDED HOWEVER,
that provisional injunctive relief may, but need not, be sought in a court of
law while arbitration proceedings are pending, and any provisional injunctive
relief granted by such court shall remain effective until the matter is finally
determined by the Arbitrator. Final resolution of any dispute through
arbitration may include any remedy or relief that the Arbitrator deems just and
equitable, including permanent injunctive relief or specific performance or
both, and the Arbitrator is hereby empowered to award such relief. Any award or
relief granted by the Arbitrator hereunder shall be final and binding on the
parties hereto and may be enforced by any court of competent jurisdiction.

          9.4    ATTORNEYS' FEES. If either party brings legal action or suit to
enforce the provisions of this Agreement or to secure damages for breach, the
prevailing party shall be entitled to reasonable attorneys' fees actually
incurred.

          9.5    NON-DELEGABLE DUTIES. This is a contract for Executive's
personal services. The duties of Executive under this Agreement are personal and
may not be delegated or transferred in any manner whatsoever. Executive's
rights under this Agreement are personal and such rights shall not be subject to
involuntary alienation, assignment or transfer during Executive's life.

          9.6    ENTIRE AGREEMENT. This Agreement is the only Agreement between
the parties with respect to the subject matter of this Agreement, and any claims
that there have been other agreements, summaries of agreements, understandings,
representations or warranties between the parties with respect to such subject
matter shall be rejected in that the parties hereby deem such prior agreements
as having been superseded and terminated by this Agreement. The parties agree
that there have been absolutely no prior oral agreements, understandings or
warranties discussed between the parties that conflict in any manner with this
Agreement.

          9.7    GOVERNING LAW. This Agreement shall be construed and
enforced in accordance with the laws of the State of California and any dispute
hereunder which is permitted under Section 9.3 above to be litigated shall be
litigated in the state and federal courts situated in Los Angeles, California.

          9.8    SEVERABLE PROVISIONS. The provisions of this Agreement are
severable, and if any one or more provisions may be determined to be illegal or
otherwise unenforceable, in whole or in part, the remaining provisions, and any
partially unenforceable provisions to the extent enforceable, shall nevertheless
be binding and enforceable.

          9.9    EFFECT OF WAIVER. The waiver by either party of any breach of
any term, promise or condition of this Agreement shall not constitute a waiver
of any subsequent breach of the same or any other term, promise or condition.
The failure by either party to enforce any right for a period of time shall not
constitute a waiver of such right or of any term, promise or condition of this
Agreement.

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          9.10   BINDING EFFECT. Subject to Section 9.5, this Agreement shall
inure to the benefit of, shall be enforceable by and shall be binding upon
Company, its successors and assigns.

          9.11   REFERENCE TO ARTICLES AND SECTIONS. All references no Articles,
Sections and subsections refer to Articles, Sections and subsections of Sections
of this Agreement, unless the context expressly indicates otherwise.

          9.12   CAPTIONS. Captions of Articles and Sections of this Agreement
are solely for the convenience of the parties and shall not limit, describe, or
affect the substance or scope of any provision of this Agreement.

     IN WITNESS WHEREOF, the party hereto have duly executed this Employment
Agreement as of the 30 day of August, 2000.

                                   e-MedSoft.com

                                   /s/ John F. Andrews
                                   -------------------------------------
                                   John F. Andrews
                                   Chief Executive Officer

                                   EXECUTIVE

                                   /s/ John Shepherd
                                   -------------------------------------
                                   John Shepherd

                                        8<PAGE>

                                                                   Exhibit 10.15

                      TERMINATION AND CONSULTING AGREEMENT
                           AND GENERAL MUTUAL RELEASES

         THIS TERMINATION AND CONSULTING AGREEMENT AND GENERAL MUTUAL RELEASES
(this "Agreement") is entered into effective the 6th day of October, 2001 by and
among e-MedSoft.com, dba Med Diversified, on the one hand (collectively "e-Med"
or "Company"), and John F. Andrews, on the other hand (hereafter "Andrews").

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

                                    RECITALS:

         WHEREAS, Andrews is one of the founders of e-Med, and he has been its
Chairman and Chief Executive since early January, 1999.

         WHEREAS, the Company has for some time been transitioning its business
from primarily a health care technology business to primarily a health care
service business, such transition having included the merger with Chartwell
Diversified Services, Inc. as well as other announced mergers and expansion
approaches under advisement.

         WHEREAS, the parties wish to insure that Andrews continue on with the
Company during its transition, that he be compensated for a termination of his
current employment agreement and that he be compensated for services to be
provided in the future for the benefit of the Company.

         WHEREAS, the parties have various disputes that they elect not to
enumerate herein, but the disputes are acknowledged by each party to constitute
claims that could be asserted between and amongst the parties to this Agreement
and/or the third party beneficiaries to this Agreement.

         WHEREAS, Andrews desires to receive the consideration set out herein
and further desires to stay on with the Company to assist it during this
transition.

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

         NOW, THEREFORE, in consideration of the mutual promises and covenants
set forth below, the parties hereto agree as follows:

         1. TERMINATION OF EMPLOYMENT. All outstanding and existing employment
agreements between the parties hereto, as well as all related claims and rights
by Andrews related thereto (hereinafter "employment contract"), are hereby
terminated and of no further force and effect. Notwithstanding the foregoing,
all obligations of Andrews (not the Company) - past, present and future - under
the employment contract that, pursuant to its terms, survive its termination
(directly or indirectly) remains in full force and effect.

         2. BENEFIT OF EMPLOYMENT CONTRACT. The Company hereby agrees to provide
Andrews with warrants to purchase common stock of the Company, exercisable at
$.01 per share, pursuant to a schedule in which Andrews shall receive the
warrants out of escrow as set

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forth on Schedule "A" hereto. The warrants set forth in Schedule "A" are deemed
to be consideration for all of the covenants herein, including, but not limited
to the services of Andrews as a consultant and member of the Board of Directors
of the Company. The warrant rights under this Agreement (and any other rights
hereunder for payment to Andrews) shall replace and supercede all rights of
Andrews under any prior agreement between and amongst Andrews and the Company.

         3. CONSULTING AGREEMENT. Andrews agrees to remain on the Company's
Board of Directors from the date of this Agreement through and including April
30, 2003. (While on the Board, Andrews shall enjoy the same privileges and
protections afforded by the Company to all its Board members. For a period of
eighteen months, Andrews agrees to consult with the Company as and when the
Company sees fit - but not on an exclusive basis - relative to matters that the
Company may deem important from time to time. In exchange for the covenants and
conditions of this Agreement, Andrews shall be paid his current salary and all
benefits other than stock or warrant options (as previously set forth under the
employment contract), on a pro rata basis for a period of sixteen months from
and after the date of this Agreement.

         The first five months of Andrews' salary and outstanding expenses/___
shall be paid to him concurrently herewith. The parties understand and agree
that Andrews may undertake permanent employment with a person other than the
Company. The consulting and Board duties of Andrews, under this Agreement, shall
be undertaken by him in a manner that does not create a conflict in scheduling
or material obligations with any other employment he elects to undertake;
provided, however, that between the date of this Agreement and November 15,
2001, Andrews shall work with the Company on "best efforts" basis in assisting
in the transition plans appertaining to the various mergers and expansions the
Company is now undertaking. Andrews' obligations under the terms of this
consultation provision shall include the obligation to participate in any
discovery, or evidentiary proceeding (which shall include providing
declarations) necessary to protect the Company in any legal action now pending,
or arising from conduct during the period that Andrews served as an officer or
director of the company. Andrews' obligations herein, regarding litigation
activities, are a material and crucial element of this agreement.

         4. NON-COMPETITION. Andrews agrees, as a condition to receipt of the
value and the consideration hereunder, that he will refrain from being employed
by any business - public, private or operating through a limited liability
company or other juridic entity - which directly or indirectly competes with
e-Med. A company (e.g., any future employer of Andrews) shall be deemed a
competitor if its present or future business plan includes any commercial
activity of any kind with any company, entity or person that is reasonably the
subject of Med's current or future business plans as those current or future
business plans are or have been delineated, limited, drafted and announced to
the general public under e-Med's historical public filings and press releases.
This covenant not to compete shall be limited to a period of three years and
shall include any employment within the continental United States. Additionally,
any Internet business will be deemed to be a competitor if it is reasonably
likely that the conduct of that business would be facilitated by the use of
Company trade secrets or Company proprietary knowledge. (This non compete
includes, without limitation, those companies which are in the alternate site
healthcare services sector or those companies who provide or could provide
applications software to alternate site healthcare sector companies.) During the
claim period

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below all warrants will still accrue and be available to Andrews but in the
event Andrews does not cure the breach within the 30 day period, Andrews shall
cease thereafter to have a right to any further stock or warrants under the
terms of this Agreement, including but not limited to, the warrants set forth in
Schedule "A", and Andrews shall cease to have a right to any money or other
consideration whatsoever. Nothing herein limits or reduces in any way the
obligations of Andrews that survive his employment contract, including, without
limitation, the obligation to protect from unlawful disclosure the Company's
proprietary technology and trade secrets; and any breach of Andrews continuing
obligations surviving his employment contract shall also render any
consideration due him hereunder voidable and cancelable at the Company's option.
This non-competition provision set forth above is a material part of this
Agreement, and, accordingly, for any claim of breach by the Company, Andrews
will have 30 days to cure the claim after having received written action by the
Company.

         5. TRADEABILITY OF SHARES. Upon exercising any warrants hereunder,
under no circumstances may Andrews sell more that 30,000 shares in any 24-hour
period, at any time or for any reason. For purposes of this Agreement, a sale
shall include any transfer, conveyance, margin, option, hedge, pledge, sale, or
transaction of any kind. e-Med shall be entitled to a written accounting of
sales of the shares at the conclusion of every month following the execution of
this Agreement. The failure to provide an accurate accounting and/or the failure
of Andrews to comply with this subparagraph shall render all unused warrants
voidable and cancelable at the Company's discretion. Said accountings must
include the original statements provided to Andrews by his designated broker.
Andrews agree that he will inform any broker handling the shares or warrants
under the terms of this Agreement of the limitations set forth herein and he
shall provide said broker with irrevocable instructions to comply with those
provisions and to provide e-Med with a copy of all documents reflecting any
transaction in e-Med shares on behalf of Andrews.

         6. RELEASES. Exempting the obligations set out in this Agreement, the
parties hereto, for themselves and for their respective officers, directors,
former officers, former directors, legal predecessors, successors, assigns, and
those who at any time purport for any reason to be acting in association with
them or on their behalf, do hereby forever and finally release, relieve, acquit,
remise, absolve and discharge each other and their respective past and present
employees, officers, partners, associates, affiliates, subsidiaries, related
companies, joint venture partners, directors, former directors, agents,
representatives, attorneys, shareholders, parents of shareholders, spouses,
children, fiancees and former spouses from any and all losses, claims, debts,
liabilities, demands, obligations, promises, acts, omissions, agreements, costs
and expenses, damages, injuries, suits, actions and causes of action, of
whatever kind or nature, whether known or unknown, suspected or unsuspected,
contingent or fixed, that they may have against each other (or against their
past and present employees, officers, partners, associates, affiliates,
subsidiaries, related companies, joint venture partners, directors, former
directors, agents, representatives, attorneys, shareholders, spouses, children,
fiancees and former spouses) based upon, related to, or by reason of any matter,
cause, fact, act or omission occurring or arising at any moment from the
beginning of time to the date of execution hereof, including, without limitation
matters existing by reason of any contract (express or implied in fact or
implied in law), lies, liability, cause, tort, statutory violation, fact, thing,
act or omission whatever, occurring or existing at any time up to the execution
of this Agreement. Each person released by operation of this Agreement is an
intended third party beneficiary of this Agreement.

                                       3
<PAGE>

Notwithstanding the releasing language above, and notwithstanding the releasing
language below, and notwithstanding any provision of this Agreement, Med does
not release Andrews from any obligation arising from this Agreement, any
obligations arising from his employment contract that survives its termination,
and any liability for any statutory violation or intentional tort perpetrated
during Andrews' tenure as President of Med.

         7. RELATED PARTIES. Other than parties identified in the immediately
preceding paragraph, the term "related companies" as used herein shall mean any
person or company that a person released by operation of this Agreement has an
ownership interest in or a legal affiliation with of any kind, whether that
interest or legal affiliation is held or reflected as a partnership interest (in
the case of a partnership), a membership interest (in the case of a limited
liability company), a stock interest (in the case of a corporation), a joint
venture interest (in the case of other contractual relationships) or any other
interest recognized under the law (including, e.g., a direct beneficial interest
or and indirect beneficial interest such as one sounding in guardianship or
trusteeship on behalf of other direct beneficiaries) - including, without
limitation, Francis P. Magliochetti, Pattie Magliochetti, National Century
Financial Enterprises, Inc., Cera Investment Trust, Trammel Investors, LLC,
Donald H. Ayers, Elise Ayers, Rebecca R. Parrett, Lance K. Poulsen, Barbara
Poulsen, TSI Technologies and Holdings, LLC, Emanuel Barling, Jr., John F.
Andrews, Rex Julian Beaber, Mitchell J. Stein, Health Med, Coca Corporation,
Elsa Aviation, Inc., Vicky Andrews, Tracey Stein (Hampton), and their respective
past and present employees, officers, partners, associates, affiliates,
subsidiaries, related companies, closely held companies, joint venture partners,
directors, former directors, agents, representatives, attorneys, shareholders,
parents of shareholders, spouses, children, fiancees, former spouses or any
company any of the related companies has an ownership interest or a shareholder
interest in, directly or indirectly - it being the intention of the parties that
all "related companies" of the persons released above shall by this document be
released as well from any liability and shall receive the same protection under
this Agreement as has been provided to the persons actually named herein.
Nothing in this Agreement shall effect or have any applicability whatsoever to
the rights of the parties hereto as against Seuge International, Inc., currently
a Debtor in Possession in Los Angeles Bankruptcy Court.

         8. FINALITY AND SCOPE OF RELEASES. The parties hereto acknowledge and
agree that it is their intention, through this Agreement and the releases set
forth above, to fully, finally and forever settle and release each other from
all those matters released herein, and all claims related thereto, which do now
exist, may exist or heretofore have existed or may hereafter exist. It is the
intent of the parties to this Agreement to release each other from claims or
causes of action arising from facts that were willfully, wrongfully, or
tortiously concealed from the aggrieved party.

         9. RELEASES OF UNKNOWN OR UNSUSPECTED CLAIMS. THE PARTIES HAVE BEEN
INFORMED BY THEIR RESPECTIVE ATTORNEYS AND ADVISORS ABOUT CALIFORNIA CIVIL CODE
SECTION 1542, AND THE PARTIES ACKNOWLEDGE THAT THEY ARE FAMILIAR WITH AND HEREBY
EXPRESSLY WAIVE THE PROVISIONS OF THIS SECTION, AND ANY SIMILAR STATUTE, CODE,
LAW OR REGULATION OF ANY STATE IN THE UNITED STATES TO THE FULLEST EXTENT THAT
THEY MAY WAIVE SUCH RIGHTS AND BENEFITS. SECTION 1542 OF THE CALIFORNIA CIVIL
CODE PROVIDES:

                                       4
<PAGE>

                  A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR
                  DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF
                  EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE
                  MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.

         10. FINAL ACCORD AND SATISFACTION. This Agreement and the releases
contained herein are intended to be final and binding between the parties hereto
and are further to be effective as a full and final accord and satisfaction
between the parties hereto, and each party to this Agreement expressly relies on
the finality of this Agreement as a substantial, material factor inducing that
party's execution of this Agreement.

         11. THE EFFECT OF DISCOVERY OF DIFFERENT OR ADDITIONAL FACTS. The
parties hereto acknowledge that they are aware that they may hereafter discover
claims presently unknown or unsuspected, or facts in addition to or different
from those which they now know or believe to be true, or related or associated
parties in addition to or different from those which are listed herein and which
the parties believe to exist, pertaining to the matters released herein.
Nevertheless, it is the intention of the parties hereto, through this Agreement
and the releases herein, to fully, finally, and forever settle and release all
such matters, and all claims and parties related thereto, which do now exist,
may exist in the future or heretofore have existed. In furtherance of such
intention, the releases herein given shall be and remain in effect as a full and
complete release of such matters and parties, notwithstanding the discovery or
existence of any such additional or different claims or facts or parties related
thereto by the parties hereto. In entering into these releases, the parties
hereto are not relying upon any statement, representation, inducement or promise
of any other parties, except as expressly stated in this Agreement. It is the
intent of the parties to this Agreement to release each other from claims or
causes of action arising from facts that were willfully, wrongfully, or
tortiously concealed from the aggrieved parties.

         12. ASSUMPTION OF RISKS. In entering into the releases contained
herein, the parties hereto recognize that no facts or representations are ever
absolutely certain; accordingly, each party hereto assumes the risk of any
misrepresentation, concealment or mistake, and if any party hereto should
subsequently discover that any fact the said party relied upon in entering into
this Agreement was untrue, or that any fact was concealed from that party, or
that any understanding of the facts or the law was incorrect, said party shall
not be entitled to set aside this Agreement by reason thereof, regardless of any
claim of fraud, misrepresentation, promise made without the intention of
performing it, fraud in the inducement, concealment of fact, mistake of fact or
law, or any other circumstances whatsoever. This Agreement and the releases
contained herein are intended to be final and binding upon the parties hereto,
and each of them, and is further intended to be effective as a full and final
accord and satisfaction among the parties hereto, regardless of any claim of
fraud, misrepresentation, promise made without the intention of performing it,
fraud in the inducement, concealment of fact, mistake of fact or law, or any
other circumstances whatsoever. Each party relies upon the finality of this
Agreement and the releases herein as a material factor inducing the party's
execution of the Agreement.

         13. GENERALITY AND SPECIFICITY OF RELEASES, COVENANT NOT TO SUE OR MAKE
CLAIMS. The parties hereto intend these releases to be construed in the broadest
possible terms so that the

                                       5
<PAGE>

effect of this Agreement is that the persons released hereby may not be sued by
the persons releasing them hereby, whether directly or indirectly, and no claims
may be made related to such releases whether by way of offset or otherwise or
indeed in any manner and for any reason, under any theory of fact, under any
theory of law, under any alleged set of facts, under any alleged reading of the
law and under or pursuant to any claim of any kind, including (without
limitation) claims for negligence, breach of contract, fraud, theft, breach of
fiduciary duty, lender liability and indeed for any of the disputes set out in
any of the recitals set forth above.

         14. AUTHORITY AND AUTHORIZATION OF AGREEMENT. Each party has all
necessary power and authority to exercise and deliver this Agreement and the
other closing documents to which it is a party, to consummate the transactions
contemplated by this Agreement, and to perform all the terms and conditions of
this Agreement and any closing documents to be performed by him or it. No other
proceedings on the part such party are necessary to authorize this Agreement or
to consummate such transactions. This Agreement, and the other documents,
certificates, and instruments delivered by each party hereafter, have been duly
executed and delivered by such party and constitute the legal, valid, and
binding obligations of such party, enforceable against him or it in accordance
with their terms.

         15. C--- AND APPROVALS; NO VIOLATIONS. The execution and delivery by
such party of this Agreement and the other closing documents to which he or it
is a party do not, and the consummation by such party of the transactions
contemplated hereby and compliance by such party with the provisions hereof will
not, conflict with, or result in any violation of, or default (with or without
notice or lapse of time, or both) under, or give rise to a right of termination,
cancellation or acceleration of any obligations or the loss of a benefit under
or result in the creation of any lies upon or right of first refusal with
respect to any of the properties or nature of such party under, (i) any
provision of the articles of incorporation or bylaws of such party; and (ii) any
loss or credit agreement, note, bond, mortgage, indenture, lease or other
agreement, obligation, instrument, permit, concessions, franchise of __
applicable to such party.

         16. COOPERATION AND MUTUAL REFERENCES. The parties hereto agree to
cooperate as is necessary to effectuate the terms of this Agreement and a smooth
transition from an accounting, tax and operational standpoint. The parties will
provide mutual favorable references to each other relative to their future
business activities.

         17. GOVERNING LAW AND ARBITRATION. This Agreement shall be governed by
and construed in accordance with the laws of the State of California, without
regard to its conflicts of laws provisions. Any dispute hereunder shall be
arbitrated before the American Arbitration Association in Los Angeles,
California. The arbitration shall be binding. The prevailing party shall NOT
have a right to an award of any attorney fees or costs. Each side must bear
their own attorney fees and costs. Andrews and the Company waive any argument
that Los Angeles is an improper or inconvenient forum. Should any provision of
this Agreement require interpretation by an arbitrator or court of competent
jurisdiction, it is agreed by the parties that the arbitrator or court
interpreting this Agreement shall not apply a presumption that the terms of this
Agreement shall be more strictly construed against one party by service of the
rule of construction that a document is to be construed more strictly against
the party who by such party or through such party's agent prepared such
document, it being agreed that the agents of all parties have participated in
the preparation of this Agreement.

                                       6
<PAGE>

         18. PARTIES IN SIGNING. This Agreement shall be binding upon and shall
inure to the benefit of the parties hereto and their respective heirs,
executors, administrators, successors and permitted assigns.

         19. COUNTERPARTS. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument. In addition, the
signatures to this Agreement may be made by fax transmission, and the fax
transmittal signature may be attached to this Agreement as if it was an
original.

         20. ENTIRE AGREEMENT. The parties warrant and represent that their
entering into this Agreement is free and voluntary and has not been induced or
influenced by any representation, promise or other agreements or understandings
other that those expressed herein. This Agreement, including the other documents
referred to herein and therein which form a part hereof and thereof, contain the
entire understanding of the parties hereto with respect to the subject matter
contained herein and therein. This Agreement supersedes all prior agreements and
understandings between the parties of any kind.

         21. AMENDMENTS AND WAIVERS. This Agreement may not be modified or
amended except by a written instrument executed by all of the parties. Any
waiver of any term, covenant or condition of this Agreement by any party hereto
shall not be effective unless set forth in writing, signed by the party granting
such waiver, and in no event shall any such waiver be deemed to be a waiver of
any other term, covenant or condition of this Agreement or of any subsequent
waiver of the same term, covenant or condition.

         22. SEVERABILITY. In case any provisions in this Agreement shall be
held invalid, illegal or unenforceable, the validity, legality and
enforceability of the remaining provisions hereof will no in any way be affected
or impaired thereby.

         23. ARBITRATION AND JURISDICTION. Any controversy or claim arising out
of or relating to this Agreement, or the breach thereof, shall be settled by
binding arbitration in accordance with the rules of the American Arbitration
Association in the County of Los Angeles, and judgment upon the award rendered
by the arbitrator may be entered in any court having jurisdiction thereof. Each
party hereby irrevocably waives, and agrees not to assist, by way of motion, as
a defense, counterclaim or otherwise, in any action or proceeding with respect
to this Agreement, (i) any claim that is not personally subject to the
jurisdiction as provided herein for any reason other than the failure to
lawfully serve process; (ii) that it or its property is not subject to such
jurisdiction; (iii) that the proceeding is brought in an inconvenient forum;
(iv) that the venue of such proceeding is improper; and (v) any right to a trial
by jury.

         24. REPRESENTATION BY COUNSEL. Andrews acknowledges that he has been
advised by his own counsel regarding this Agreement. Neither Rex Julian Beaber
nor Mitchell J. Stela acted as legal counsel to Andrews regarding any aspect of
this Agreement and in entering into this Agreement, Andrews is not, and does
not, rely on any representations by Stela or Beaber regarding the applicable
facts or law.

                                       7
<PAGE>

         WHEREFORE, the parties have set their hands and signatures hereto to
signify their full acceptance to the foregoing terms and conditions and their
irrevocable intent to be bound thereby.

MED DIVERSIFIED                                 JOHN F. ANDREWS

By:                                             By:
    ----------------------------                    ----------------------------
    FRANK MAGLIOCHETTI                              JOHN F. ANDREWS
    Authorized Agent                                Individually

                                  SCHEDULE "A"*

October 15, 2001       150,000  (payable as soon as practicable after execution)
November 1, 2001       175,000
December 1, 2001       225,000
January 1, 2002        250,000
February 1, 2002       275,000
March 1, 2002          300,000
April 1, 2002          300,000
May 1, 2002            300,000
June 1, 2002           300,000
July 1, 2002           300,000
August 1, 2002         300,000
September 1, 2002      300,000
October 1, 2002        300,000
November 1, 2002       300,000
December 1, 2002       300,000
January 1, 2003        300,000
February 1, 2003       625,000
                     ---------
                     5,000,000

         *A warrant, reflecting the above obligation, shall be delivered to an
escrow officer approved by the parties. Said escrow officer shall have no prior
__ with any of the parties. In the event that Med does not elect an escrow
officer acceptable to Andrews, Andrews may elect an alternate officer, in his
own discretion, as long as that officer is a federally insured bank with offices
in California. NOTWITHSTANDING THE ABOVE SCHEDULE, NO STOCK OR WARRANTS SHALL BE
DELIVERABLE AND DUE UNDER THE TERMS OF THE AGREEMENT IF ANDREWS IS IN BREACH OF
ANY MATERIAL TERM HEREIN. EACH OF WARRANTS, ABOVE, AND/OR THE STOCK, SHALL BE
DELIVERED EACH MONTH. THE APPOINTED ESCROW AGENT SHALL BE WITHOUT POWER TO
DELIVER, SELL OR TRANSFER ANY WARRANTS OR STOCK IN THE EVENT THAT MED OR ANDREWS
IS IN BREACH OF ANY MATERIAL PROVISION OF THIS AGREEMENT. THE ESCROW OFFICER,
AND THE PARTIES HERETO, SHALL EXECUTE AN ESCROW AGREEMENT WHICH EXACTLY MIRRORS
THE PROVISIONS OF THIS AGREEMENT. IN THE ALTERNATIVE, ANDREWS HAS THE POWER TO
DELIVER THIS AGREEMENT INTO ESCROW IN LIEU OF SAID ESCROW AGREEMENT.

                                       8

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