Document:

EXHIBIT 10.9

                           ASSOCIATE PROGRAM AGREEMENT

This  Associate  Program  Agreement  (the  "Agreement")  contains  the terms and
conditions  that  apply to your  participation  in the  drugstore.com  Associate
Program  (the  "Program").  By  clicking  the  Submit  button  at the end of the
associate  application,  you  acknowledge  that you have read and understand the
terms and  conditions  of the Agreement and you agree to be legally bound by the
Agreement. As used in this Agreement, "we" means drugstore.com,  inc., and "you"
means the  associate.  "Site" means a World Wide Web site and,  depending on the
context,   refers   either  to   drugstore.com's   site   located   at  the  URL
www.drugstore.com,  or to the site that you will link to our site (and which you
will identify in your Program application).

Joining the Associate Program

To become an associate,  you must submit a Program  application via our site. We
will  evaluate  your  application  in good  faith  and  will  notify  you of its
acceptance or rejection. We will reject your application if it is incomplete. We
reserve  the right to  reject  your  application  if we  determine  (in our sole
discretion)  that your site is unsuitable  for the Program.  An unsuitable  site
includes,  but is not  limited  to,  a site  that  promotes:  sexually  explicit
materials; violence;  discrimination based on race, sex, religion,  nationality,
disability,  sexual orientation,  or age; or illegal  activities.  An unsuitable
site  also  includes  a  site  that  uses   "drugstore.com"   or  variations  or
misspellings  thereof  in its domain  names or  otherwise  violate  intellectual
property rights of drugstore.com,  inc. If we reject your  application,  you may
reapply to the Program at any time.

Linking to drugstore.com from Your Site

Once you have become an Associate, you will have access to the Members Only page
on our  site.  Here,  you will be  provided  with the links  that  will  connect
directly from your site to our site  ("Link(s)"),  along with  information  with
respect to the use of the Links.  The Links that we have  prepared  are  special
"tagged" links that facilitate accurate tracking,  reporting,  and marketing fee
computation.  You will only earn  marketing fees with respect to activity on our
site occurring directly through a Link.

Marketing Fee

The  marketing  fee schedule is located  here.  We will track new  customers and
sales made to all customers who purchase Health, Beauty,  Wellness, and Personal
Care items  through a Link and will make  available  to you reports  summarizing
such sales activity.  The form,  content,  and frequency of the reports may vary
from time to time in our discretion.
* A new customer is someone who,  during a visit  through a Link,  makes a first
purchase from  drugstore.com  of a Health,  Beauty,  Wellness,  or Personal Care
item.
* For a sale to be eligible to earn a marketing fee, the customer must visit our
site through a Link, place an order for Health,  Beauty,  Wellness,  or Personal
Care products, accept delivery of the products at the shipping destination,  and
remit full payment to us. You will earn marketing fees on sales based on revenue
derived by us from the sales, excluding costs for taxes,  shipping,  returns and
credits, including gift certificates.

We will not pay marketing fees for any new customer or on any sale to a customer
if the customer  will be partially or fully  reimbursed  by a federal  insurance
program or a private insurance carrier or if we believe such marketing fee would
otherwise violate a law. In addition,  we will not pay marketing fees on any new
customer or sales that occur after a customer has reentered our site (other than
through a Link), even if the customer previously followed a Link. The Program is
intended for commercial use only,  and,  except for your use of  "drugstore.com

<PAGE>

credit  certificates"  (described  below), you may not purchase products through
the Program for your own use. Such purchases may result (in our sole discretion)
in the withholding of marketing fees or the  termination of this  Agreement.  We
will  pay  you  marketing  fees  on a  quarterly  basis.  Approximately  30 days
following  the end of each  calendar  quarter,  we will send you a check for the
marketing fees payable for such quarter,  less any taxes that we are required by
law to withhold.  However, if the marketing fees payable to you for any calendar
quarter  are  less  than  $100.00,  you  will  receive  a  drugstore.com  credit
certificate for the amount that can be used for your purchase of Health, Beauty,
Wellness,  and  Personal  Care items.  If the  customer  returns a product  that
generated a marketing fee, we will deduct the  corresponding  marketing fee from
your next quarterly payment. If there is no subsequent payment, we will send you
a bill for the marketing fee.

Policies and Pricing

We will process  orders  placed by customers who visit  drugstore.com  using the
Link  and  will  be  responsible  for  all  aspects  of  order   processing  and
fulfillment.  We reserve the right to reject  orders that do not comply with any
requirements  that we  periodically  may  establish.  Customers who buy products
through  this  Program  will  be  deemed  to  be  customers  of   drugstore.com.
Accordingly,   all  drugstore.com  rules,  policies,  and  operating  procedures
concerning  customer orders,  customer service,  and product sales will apply to
those  customers.  We may change our policies and  operating  procedures  at any
time. For example, we will determine the prices to be charged in accordance with
our own pricing policies.  Product prices and availability may vary from time to
time. Because the price of any product is subject to change at any time, you may
not include price information on your site. We will use commercially  reasonable
efforts  to  present   accurate   information,   but  we  cannot  guarantee  the
availability or price of any particular product.

Limited License

We grant you a nonexclusive,  revocable right to use the Link(s) and any graphic
image and text necessary to establish a Link to drugstore.com from your site and
such other images for which we grant express permission,  solely for the purpose
of identifying your site as an Associate and to assist in generating  sales. You
may not modify a Link, any graphic image or text, or any other of our images, in
any way. We reserve all of our rights in the graphic  image and text,  any other
images,  our trade names and  trademarks,  and all other  intellectual  property
rights.  You agree to follow our Trademark  Guidelines,  as those guidelines may
change from time to time.  We may revoke your  license at any time by giving you
written notice.

Responsibility for Your Site

You will be solely responsible for the development,  operation,  and maintenance
of  your  site  and  for  all   materials   that  appear  on  your  site.   Such
responsibilities include, but are not limited to:
* the technical  operation of your site and all related equipment o the accuracy
and appropriateness of materials posted on your site
* ensuring  that  materials  posted on your site do not violate or infringe upon
the rights of any third party (including, for example,  copyrights,  trademarks,
privacy, or other personal or proprietary rights)
* ensuring  that  materials  posted on your site are not  libelous or  otherwise
illegal
* creating and posting  product  reviews,  descriptions,  and references on your
site and linking those descriptions to our site.
We disclaim all liability for these  matters.  Further,  you will  indemnify and
hold us harmless  from all claims,  damages,  and expenses  (including,  without
limitation,   attorneys'   fees)   relating  to  the   development,   operation,
maintenance,  and  contents of your site.  You hereby  agree that your site will
not,  in any way,  copy or  resemble  the look and feel of our site nor will you
create  the  impression  that your site is our site or is part of our site,  nor
will you  frame  any page on our site  being  viewed  by a user of your site who
links to our site  through a link.  Additionally,  you  agree  that you will not
create an integrated shopping cart between our site and your site.

<PAGE>

You also hereby agree that your site will not contain any content of our site or
any materials which are proprietary to drugstore.com,  except (i) with our prior
permission,  or (ii)  materials  which are  obtained  by you via the  Program in
accordance with the provisions  hereof or the policies or instructions  thereon.
You agree that you will not send any  electronic  communications,  including but
not limited to emails or newsletters,  to any of your subscribers  regarding us,
without express written  approval.  You further agree that you will not purchase
or  otherwise  contract  with a third  party to exploit any of our marks for the
purpose of causing  the your site to appear as a search  result or for any other
reason.

Abuse of Promotions

We reserve the right to suspend access to our site through the Link in the event
that we experience  suspected  abuse of the  promotions  being made available to
customers through the Link.

Publicity

With the  exception of  identifying  yourself as an  associate of our site,  you
shall not create, publish, distribute, or permit any written material that makes
reference to us without first  submitting  such material to us and receiving our
written consent.

Termination of Your Participation in the Associate Program

You will become an associate  immediately  upon our  acceptance  of your Program
application  and will remain an  associate  until either  party  terminates  the
Agreement.  Either you or we may terminate this  Agreement at any time,  with or
without cause, by giving the other party written notice of termination. Upon the
termination of this Agreement for any reason, you must immediately cease use of,
and  remove  from  your  site,  all  links to our  site,  and all  drugstore.com
trademarks,  trade dress and logos,  and all other  materials  provided by or on
behalf of us to you in  connection  with the  Program.  We reserve  the right to
terminate  your  participation  in  the  Associate  Program  at any  time  if we
determine (in our sole discretion) that your site is unsuitable for the Program.
You  are  only  eligible  to earn  marketing  fees on  sales  and  registrations
occurring  during  the term,  and  marketing  fees  earned  through  the date of
termination  will remain  payable only if the related orders are not canceled or
returned.  We may withhold  your final  payment for a reasonable  time to ensure
that the correct amount is paid.

Modification

We may modify any of the terms and conditions  contained in this  Agreement,  at
any  time and in our sole  discretion,  by  posting  a  change  notice  or a new
agreement on our site.  Modifications may include,  for example,  changes in the
marketing  fee  schedule,   payment  procedures,   and  Program  rules.  IF  ANY
MODIFICATION  IS  UNACCEPTABLE  TO YOU, YOUR ONLY RECOURSE IS TO TERMINATE  THIS
AGREEMENT.  YOUR CONTINUED PARTICIPATION IN THE PROGRAM FOLLOWING OUR POSTING OF
A CHANGE NOTICE OR NEW AGREEMENT ON OUR SITE WILL CONSTITUTE  BINDING ACCEPTANCE
OF THE CHANGE.

Relationship of Parties

You and we are  independent  contractors,  and  nothing in this  Agreement  will
create any partnership,  joint venture, agency, franchise, sales representative,
or  employment  relationship  between us. You will have no  authority to make or
accept  any  offers  or  representations  on our  behalf.  You will not make any
statement,  whether on your site or otherwise,  that reasonably would contradict
anything in this Section.

<PAGE>
Limitation of Liability

We will not be liable for indirect,  special,  or consequential  damages (or any
loss of revenue,  profits, or data) arising in connection with this Agreement or
the Program,  even if we have been advised of the  possibility  of such damages.
Further,  our aggregate liability arising with respect to this Agreement and the
Program  will not exceed the total  marketing  fees paid or payable to you under
this Agreement.

Confidentiality

Except as otherwise  provided in this Agreement or with the consent of the party
hereto,  each of the  parties  hereto  agrees  that all  information  including,
without  limitation,  the  terms  of  this  Agreement,  business  and  financial
information,  customer  and vendor  lists,  and pricing  and sales  information,
concerning us or you, shall remain  strictly  confidential  and secret and shall
not be  utilized,  directly or  indirectly,  by such party for its own  business
purposes or for any other purpose  except and solely to the extent that any such
information  is generally  known or available to the public  through a source or
sources  other than such party  hereto or its  affiliates.  Notwithstanding  the
foregoing,  each  party  is  hereby  authorized  to  deliver  a copy of any such
information  (a) to any person  pursuant  to a  subpoena  issued by any court or
administrative agency, (b) to its accountants,  attorneys,  or other agents on a
confidential  basis,  and (c)  otherwise as required by  applicable  law,  rule,
regulation, or legal process including,  without limitation,  the Securities Act
of 1933, as amended, and rules and regulations promulgated  thereunder,  and the
Securities  Exchange  Act of 1934,  as  amended,  and the rules and  regulations
promulgated thereunder.

Disclaimers

We make no express or implied warranties or representations  with respect to the
Program or any products sold through the Program (including, without limitation,
warranties  of  fitness,  merchantability,   noninfringement,   or  any  implied
warranties arising out of a course of performance,  dealing, or trade usage). In
addition,  we make no  representation  that the  operation  of our site  will be
uninterrupted  or error-free,  and we will not be liable for the consequences of
any interruptions or errors.

Representations and Warranties

You hereby represent and warrant to us as follows:
a.       This Agreement has been duly and validly agreed to and accepted by you
         and constitutes your legal, valid, and binding obligation, enforceable
         against you in accordance with its terms.
b.       The execution, delivery, and performance by you of this Agreement and
         the consummation by you of the transactions contemplated hereby will
         not, with or without the giving of notice, the lapse of time, or both,
         conflict with or violate (i) any provision of law, rule, or regulation
         to which you are subject, (ii) any order, judgment, or decree
         applicable to you or binding upon your assets or properties, (iii) any
         provision of your by-laws or certificate of incorporation, or (iv) any
         agreement or other instrument applicable to you or binding upon your
         assets or properties.
c.       Your are the sole and exclusive owner of your trademarks and have the
         right and power to grant to us the license to use your trademarks in
         the manner contemplated herein, and such grant does not and will not
         (i) breach, conflict with, or constitute a default under any agreement
         or other instrument applicable to you or binding upon your assets or
         properties, or (ii) infringe upon any trademark, trade name, service
         mark, copyright, or other proprietary right of any other person or
         entity.
d.       No consent, approval, or authorization of, or exemption by, or filing
         with, any governmental authority or any third party is required to be
         obtained or made by you in connection with the execution , delivery,
         and performance of this Agreement or the taking by you of any other
         action contemplated hereby.

<PAGE>

e.       There is no pending or, to the best of your knowledge, threatened
         claim, action, or proceeding against you, or any affiliate of yours,
         with respect to the execution, delivery, or consummation of this
         Agreement, or with respect to your trademarks, and, to the best of your
         knowledge, there is no basis for any such claim, action, or proceeding.
f.       You are an adult of at least 18 years of age.

Compliance with Laws

You will comply with all  applicable  local,  state and federal laws,  statutes,
orders, ordinances and regulations relating to performance of the Program.

Indemnification

You  hereby  agree  to  indemnify  and  hold  harmless   drugstore.com  and  its
subsidiaries and affiliates, and their directors,  officers,  employees, agents,
shareholders,  partners,  members, and other owners, against any and all claims,
actions demands, liabilities,  losses, damages, judgments,  settlements,  costs,
and expenses (including reasonable attorney's fees) (any or all of the foregoing
hereinafter  referred  to as  "Losses")  insofar as such  Losses (or  actions in
respect thereof) arise out of or are based on (i) any claim that our use of your
trademarks  infringes on any  trademark,  trade name,  service mark,  copyright,
license,  intellectual  property, or other proprietary right of any third party,
(ii) any  misrepresentation  of a  representation  or  warranty  or  breach of a
covenant and  agreement  made by you herein,  or (iii) any claim  related to the
operation of your site.

Independent Investigation

You acknowledge that you have read this agreement and agree to all its terms and
conditions.  You  understand  that we may at any time  (directly or  indirectly)
solicit customer referrals on terms that may differ from those contained in this
agreement  or  operate  web sites that are  similar to or compete  with your web
site. You have independently  evaluated the desirability of participating in the
program and are not relying on any representation, guarantee, or statement other
than as set forth in this agreement.

Identification of Affiliates

We may  identify  you or  your  site as a  participant  in the  Program  without
providing you prior notice or obtaining  your  specific  written  consent.  Such
identification may be oral, written, or electronic,  and may include, but is not
limited to, public announcements,  promotional materials,  internal and external
reports, and public filings.

Assignment

You may not assign this Agreement, by operation of law or otherwise, without our
prior written  consent.  Subject to that  restriction,  this  Agreement  will be
binding on, inure to the benefit of, and be enforceable against, the parties and
their respective successors and assigns.

<PAGE>

Miscellaneous

This  Agreement  will be governed by the laws of the United States and the state
of Washington,  without  reference to rules governing choice of laws. Any action
relating  to this  Agreement  must be  brought in the  federal  or state  courts
located in Seattle,  Washington, and you irrevocably consent to the jurisdiction
of such  courts.  You may not assign  this  Agreement,  by  operation  of law or
otherwise, without our prior written consent. Subject to that restriction,  this
Agreement will be binding on, inure to the benefit of, and  enforceable  against
the parties and their respective  successors and assigns. Our failure to enforce
your strict performance of any provision of this Agreement will not constitute a
waiver  of our  right  to  subsequently  enforce  such  provision  or any  other
provision of this Agreement.Exhibit 10.10

<TABLE>
<CAPTION>
<S>                                                           <C>
................................................................ ..................................................................
Company:                                                        Client: MedStrong International Corporation
                                                                --------
Healthscout News Service, A product of ScoutNews LLC, 83 East   Corporate Headquarters
Avenue, Suite 107, Norwalk, CT 06851                            500 Silver Spur Road, Suite 303
www.healthscoutnews.com                                         Rancho Palos Verdes, CA 90274
                                                                www.medstrong.com

................................................................ ..................................................................
Primary Contact:                                                Primary Contact:
Jay Helmer, Director of Business Development
203-855-1400 Ext 103                                            Attn: Bakey Farrar
jhelmer@healthscoutnews.com                                     Vice President of Communications
                                                                310-544-9900
David Rouatt, Managing Director                                 bakey_farrar@medstrong.com
203-855-1400 Ext 101
drouatt@healthscoutnews.com
                                                                Technical Contact:
                                                                Van Lam
Technical Contact:                                              van_lam@warrantech.com
Scott Roberts, Technical Producer
203-855-1400 Ext
sroberts@healthscoutnews.com
................................................................ ..................................................................
</TABLE>
AGREEMENT,  made  as of the  28th  day of  January  2001,  by  and  between  The
Healthscout  News Service,  a product of ScoutNews  LLC. a Delaware  corporation
with a place of business at 83 East Avenue,  Suite 107,  Norwalk,  CT 06851 (The
Company),  and MedStrong  International  Corporation  (The Affiliate) a ________
corporation  with a place of business at 500 Silver Spur Road,  Suite 303 Rancho
Palos Verdes, CA 90274

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A.       HealthScout News Feed
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Affiliate will license HealthScout Health News, FDA Approvals and news letter
content for use on the Affiliate's URL, and will utilize and store the news feed
content on the Affiliate's server. The HealthScout news feed will include the
following:

1.  Daily feed of "Today's Top Stories", "WebSCOUT/Today's Health Headlines" and
    `FYI"
2.  Daily Subsets of these feeds: [see Exhibit A]
3.  Daily feed of FDA Approvals
4.  Topic flags, for use to incorporate the stories with the Affiliate service
5.  Twelve months of story archives

<PAGE>

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B.       DESCRIPTION OF SERVICES TO BE PROVIDED BY AFFILIATE
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1.  Arrange for receipt of the HealthScout News Service standard  formatted news
    feed by FTP or HTTP, in xml or name/value pair format..
2.  Provide  HealthScout News Service  ATTRIBUTION on articles  displayed on the
    Affiliate's  server and additional  HealthScout  news branding,  as mutually
    agreed.
3.  Obtain PRIOR WRITTEN CONSENT from HealthScout for any  translation,  editing
    or redistribution of content, except for the use of newsletter content being
    sent to individuals.
4.  Pay HealthScout QUARTERLY licensing fees on a timely basis.

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C.       HEALTHSCOUT NEWS SERVICE FEES
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1.  Affiliate  will pay a monthly fee of $1,000 for the news feed for use on two
    MedStrong company urls's.
2.  Affiliate  will pay an  additional  10% per url per month  when  implemented
    (example: 3 urls = $1,100 per month).
3.  Affiliate will pay an initial ONE-TIME SET-UP FEE OF $250.00.
4.  FEES ARE PAYABLE QUARTERLY, BILLED AT THE START OF EACH CALENDAR QUARTER
5.  The news feed will commence  when The  HealthScout  News Service  receives a
    signed  contract  with an initial  3-month  payment and set-up fee.  PAYMENT
    SHOULD BE MADE OUT TO SCOUTNEWS LLC AND SENT ATTENTION: ANDREW SHERMAN, CFO,
    SCOUTNEWS LLC, 2150 JOSHUA'S PATH, SUITE 102, HAUPPAUGE, NY 11788.
6.  News  feeds,  which  commence  during a quarter,  will  require  the initial
    3-month payment. Over-payments for the initial quarter will be reconciled in
    the next quarterly  billing.  Amounts will be calculated on a daily pro-rata
    basis.

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1.       TERM
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This term of this Agreement shall be for one (1) year commencing on February 1,
2002. Thereafter, this Agreement shall automatically renew annually at the same
terms and conditions unless either party gives the other party written notice of
an intention not to renew at least sixty (60) days prior to the end of the
then-current term.

However, either party also may terminate this Agreement at any time as follows:

1.  Upon thirty days written  notice to the other party of a material  breach by
    such other  party,  provided  that if the breach is cured within said notice
    period this Agreement shall continue in full force and effect.
2.  Immediately  upon written  notice to the other party in the event such other
    party  admits in writing its  inability to pay its debts as they become due,
    becomes the subject of any voluntary or  involuntary  bankruptcy  proceeding
    that is not dismissed within sixty (60) days, or makes an assignment for the
    benefit of its creditors.

            The HealthScout News Service, a Service of ScoutNews LLC
                  83 East Avenue, Suite 105, Norwalk, CT 06851
                                  203-855-1400
<PAGE>

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E.       OWNERSHIP OF CONTENT
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HealthScout owns all right,  title and interest in and to all content  furnished
to  Affiliate,  as well as to all aspects of the  HealthScout  name and service.
HealthScout  Content  shall  bear  the  logo,   copyright  notice(s)  and  other
reservation  of rights  notices  or legends  provided  by  HealthScout.  Content
furnished by Company shall be used by Affiliate  solely for the  information  of
its  visitors to the  Affiliate  URL.  Affiliate  shall not  otherwise  publish,
distribute,  use or make  available  any  such  Company  Content  for any  other
purpose, without ADVANCE WRITTEN CONSENT from Company.

News feed content supplied by HealthScout will include a transparent 1-pixel GIF
image used to track page  views.  The GIF image may not be removed or altered by
Affiliate.

Affiliate may not solicit or encourage  other sites or services to link directly
to the Company Content on Affiliate's  site without the prior written consent of
Company. To the extent technologically feasible,  Affiliate shall not permit Any
third party to frame  Affiliate's  site such that any Company Content appears on
the same screen as such third party's site or service.  To the extent that it is
not technologically feasible to prevent such framing,  Affiliate shall cooperate
with Company in causing such third party to cease and desist from such framing.

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F.       TERMS OF USE OF NEWS FEED/CONTENT.
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All Company Content  furnished by Company shall be used by Affiliate  solely for
the  information of its service  customers/site  visitors.  All Company  Content
furnished  by  Company,   including  article  headline   listings,   shall  bear
attribution,  the logotype (and/or Company name),  copyright notice(s) and other
reservation of rights notices or legends  furnished by Company with such Company
Content   (which  shall  include  a   prohibition   against   republication   or
redistribution),  and none of the  foregoing  shall be  removed  or  altered  by
Affiliate.

As between the parties hereto, Company owns all right, title and interest in and
to all Company Content furnished to Affiliate,  as well as to all aspects of the
HealthScout  name and  service,  including  but not limited to the  software and
algorithms that operate said service.

Affiliate  shall not build archival files for any commercial  purposes using any
Company  Content,  and none shall be held in Affiliate's  computers or stored in
any other medium for longer than the contract term.  Affiliate  agrees to retain
no more than twelve (12) months of archives.  If Affiliate wishes to include the
HealthScout  service or any portion thereof into a commercial  archived product,
both parties  agree to negotiate in good faith an addendum to this  Agreement to
cover such activity.

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G.       WITHDRAWAL OF SERVICE.
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Company  may  cancel  all or part of its  services  hereunder  if the  provision
thereof (a) becomes the subject of a claim of  infringement of any third party's
rights, (b) depends upon an agreement between Company and a third party and that
agreement is terminated,  or (c) is adjudicated to be illegal or contrary to any
applicable law or public policy.  If this paragraph  applies,  Company's maximum
liability  shall be the refund of any advance  amounts paid by Affiliate for the
cancelled  portion  of the  services.  In the  event  of a  cancellation  of the
services in whole or in part,  notwithstanding any other provision herein to the
contrary, the Company shall refund that amount of prepaid fees applicable to the
cancelled  service and  Affiliate  shall be  relieved on any payment  obligation
relating to such cancelled service on an ongoing basis.

            The HealthScout News Service, a Service of ScoutNews LLC
                  83 East Avenue, Suite 105, Norwalk, CT 06851
                                  203-855-1400
<PAGE>
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H.       CONFIDENTIALITY
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In the course of performance of this Agreement, each party may acquire knowledge
or information  that the other party  reasonably  designates as confidential and
proprietary,   including  but  not  limited  to  access  to  software  or  other
information about the operation of the Healthscout service. Each party agrees to
hold all such  information  in strict  confidence,  and not to disclose any such
information  to third parties or use any such  information  for its own benefit.
This  paragraph  shall not apply to information  that:  (a) the receiving  party
possesses  prior to  acquiring it from the other;  (b) becomes  available to the
public or trade through no violation by the receiving  party of this  paragraph;
(c) is given to the receiving party by a third party not under a confidentiality
obligation to the disclosing  party;  or (d) is developed by the receiving party
independently of and without reliance on confidential or proprietary information
provided by the disclosing party.

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I.       LIMITATION OF LIABILITY.
--------------------------------------------------------------------------------

         (a) Company  shall use  commercially  reasonable  efforts to insure the
accuracy  of the  Company  Content  it  furnishes,  but does not  guarantee  the
sequence,  accuracy or completeness of any such Company Content and shall not be
liable in any way to  Affiliate,  its  customers  or anyone else who may use the
information  or content or to whom the  information or content may be furnished,
for any delays, inaccuracies,  unavailability, errors or omissions there from or
in the  transmission  or delivery of all or any party  thereof or for any damage
arising there from or occasioned  thereby unless due to the gross  negligence or
willful misconduct of Company.

         (b) Except as otherwise  expressly  stated in this  Agreement,  COMPANY
MAKES NO  WARRANTIES,  EXPRESS  OR  IMPLIED,  INCLUDING  BUT NOT  LIMITED TO ANY
WARRANTY  OF FITNESS FOR A  PARTICULAR  PURPOSE.  IN NO EVENT  SHALL  COMPANY BE
LIABLE FOR ANY DIRECT, INDIRECT,  CONSEQUENTIAL,  PUNITIVE, SPECIAL OR ANY OTHER
DAMAGES ARISING FROM THE UNAVAILABILITY OF THE COMPANY CONTENT OR THE CO-BRANDED
SITE, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE.

         (c) In no event  shall  either  party be  liable to the other or anyone
else for any  consequential,  punitive,  special,  indirect or any other damages
arising  from the  availability,  use of, or reliance  upon any  information  or
content furnished  hereunder,  whether in contract,  tort or otherwise,  even if
advised of the possibility of such damages.

         (d)  Notwithstanding  anything to the contrary  contained herein, in no
event will the  aggregate  liability  of Company  exceed the total amount of the
compensation  actually  paid to it  hereunder  during  the  twelve  (12)  months
immediately  prior to the date on which the alleged damages were claimed to have
been incurred, regardless of the form of action.

--------------------------------------------------------------------------------
J.       INDEMNIFICATION.
--------------------------------------------------------------------------------

         (a) Affiliate will  indemnify,  defend and hold harmless  Company,  its
officers, employees, directors, affiliated companies and agents from and against
any and all third-party claims, actions, demands and lawsuits ("Claims") and all
resulting  costs,  liabilities,   damages  and  expenses,  including  reasonable
attorneys' fees ("Costs")  arising out of (i) allegations  that  information and
content furnished by Affiliate hereunder violates the rights of any third party;
provided that the relevant claim does not arise from any modification by Company
or any other person not under Affiliate's control, or (ii) Affiliate's violation
of any term, condition, representation or warranty herein.

            The HealthScout News Service, a Service of ScoutNews LLC
                  83 East Avenue, Suite 105, Norwalk, CT 06851
                                  203-855-1400
<PAGE>

         (b) Company shall indemnify,  defend and hold harmless  Affiliate,  its
officers, employees, directors, affiliated companies and agents from and against
any and all  third-party  Claims and all  resulting  Costs  arising  out of: (i)
allegations that information and content furnished by Company hereunder violates
the rights of any third party;  provided that the relevant  claim does not arise
from any  modification  by  Affiliate  or any other  person not under  Company's
control, or (ii) Company's violation of any term,  condition,  representation or
warranty herein.

         (c) Each party shall give the other prompt  notice of any claim covered
by this  Section,  and the  indemnifying  party shall have the right and duty to
assume the control of the defense thereof with counsel reasonably  acceptable to
the other party.  The indemnified  party may take part in the defense at its own
expense after the indemnifying party assumes the control thereof.

--------------------------------------------------------------------------------
K.       FORCE MAJEURE.
--------------------------------------------------------------------------------

Neither party shall be liable for failure to perform hereunder due to acts of
war, public enemy, government, or any person engaged in subversive activity,
riot or sabotage; due to Acts of God, including but not limited to fire, flood,
storm, accident, explosion or other catastrophe, casualties, epidemic or
quarantine restrictions; due to strikes or other labor stoppages, slowdowns or
disputes; or due to delays by suppliers of material or services, inability to
obtain transportation, or any other cause beyond its reasonable control whether
similar or dissimilar to any cause listed herein. In the event of such delay,
the affected party shall promptly notify the other, and the parties shall
consult for the purpose of taking whatever remedial action is mutually deemed
appropriate.

--------------------------------------------------------------------------------
I.       GENERAL
--------------------------------------------------------------------------------

The parties to this Agreement are independent contractors. Except as otherwise
expressly provided herein, nothing herein creates any joint venture,
partnership, agency, employment, fiduciary or other relationship between the
parties, and neither party is authorized to make contracts or commitments in the
name of or on behalf of the other without the other party's prior written
approval.

This Agreement shall be governed by the laws of the State of Connecticut without
regard to principles of conflicts of laws.

For:     AFFILIATE                                    Signed:
                   -------------------------------           -------------------

Name:                                                 Date:
     ----------------------------------------------          -------------------

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

For:   SCOUTNEWS LLC AND THE HEALTHSCOUT NEWS SERVICE   Signed:
                                                               -----------------

Name:  DAVID A. ROUATT                                  Date:
                                                               -----------------

Title: MANAGING DIRECTOR

            The HealthScout News Service, a Service of ScoutNews LLC
                  83 East Avenue, Suite 105, Norwalk, CT 06851
                                  203-855-1400
<PAGE>

Exhibit A:  News Feed Content to be Supplied to Affiliate
---------------------------------------------------------

                             Daily News Feed
                             ------------------------------
Description                  Today's Top Stories: 8-10 stories each day
                             -------------------
                             that covers the latest in the health world.
                             These are articles that are timely, written
                             for the consumer who wants up-to-the-minute
                             news about health and medicine.

                             Today's Health Headlines:
                             ------------------------ A daily news roundup of
                             breaking stories in the world of health.

                             FYI: Three short helpful hints about your
                             ----
                             health each day.

--------------------------------------------------------------------------------
Story                        15+ stories per day
--------------------------------------------------------------------------------
Headline                     Yes: all stories
--------------------------------------------------------------------------------
Blurb                        Yes: all stories
--------------------------------------------------------------------------------
Topic Flags                  800+
--------------------------------------------------------------------------------
Editor's Message             N/A
--------------------------------------------------------------------------------
Graphics                      1 graphic per lead news story
                             (approximately 4 per day)
--------------------------------------------------------------------------------
Format                        XML
--------------------------------------------------------------------------------
Delivery                     Clients downloads news feed file using FTP
                             or HTTP protocol
--------------------------------------------------------------------------------

            The HealthScout News Service, a Service of ScoutNews LLC
                  83 East Avenue, Suite 105, Norwalk, CT 06851
                                  203-855-1400

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