Document:

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                                                                  EXHIBIT 10.2

         AMENDMENT NO. 1 TO ASSET PURCHASE AGREEMENT, dated as of April 18,
2000, among CLAIMSNET.COM INC., a Delaware corporation with offices at 12801 N.
Central Expressway, Suite 1515, Dallas, Texas 75243 (the "Purchaser");
HEALTHEXCHANGE.COM, INC., a Delaware corporation and a wholly-owned subsidiary
of the Purchaser with offices at 12801 N. Central Expressway, Suite 1515,
Dallas, Texas 75243 ("HEcom"); and VHX COMPANY, a Nevada corporation with
offices at Suite 950, 2970 Clairmont Road, Atlanta, Georgia 30329 (the
"Seller").

                                  INTRODUCTION

         As of March 20, 2000, the parties hereto entered into the Asset
Purchase Agreement, dated as of March 20, 2000 (the "Asset Purchase Agreement"),
and desire to make certain amendments thereto. A capitalized terms used, but not
otherwise defined, herein shall have the respective definitions assigned thereto
in the Asset Purchase Agreement.

         The parties hereto, intending to be legally bound, hereby agree as
follows:

         Section 1. Section 4.06 of the Asset Purchase Agreement. Section 4.06
of the Asset Purchase Agreement is hereby amended to be and read in its entirety
as follows:

         "Section 4.06 Adjustments to Consideration Delivered by Purchaser and
HEcom.

            (a) Subject to paragraphs (b), (c), (d), and (e) of this Section
4.06 and without limiting such other rights as the Purchaser Indemnitees may
have, if, prior to the time all shares of Purchaser Common Stock delivered
pursuant to Section 4.01(a)(i), or all shares of Purchaser Preferred Stock
delivered pursuant to Section 4.01(a)(iv), are distributed by Seller pursuant to
Section 4.04 hereof, the Purchaser has learned of a breach of any
representation, warranty, covenant, or agreement of Seller contained in this
Agreement, the Purchaser in its discretion can by written notice to Seller
deduct from the number of shares of Purchaser Common Stock otherwise

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deliverable by HEcom at such time a number of such shares the value of which
(equal to the product of the number of such shares of Purchaser Common Stock and
the Trailing Average Closing Price) is equal to the aggregate of (a) the amount
necessary to cure or make whole such breach and (b) the amount of losses,
liabilities, claims, damages, and expenses whatsoever (as defined in Section
4.05) incurred or demonstrably in prospect of being incurred by any Indemnitee
arising out of, based upon, or in connection with such breach. Shares of
Purchaser Common Stock shall be valued for purposes of this Section 4.06 at the
Trailing Average Closing Price.

            (b) Notwithstanding Section 4.06(a), if, prior to the date 30
calendar days following the date of the Closing, the obligations of the Seller
or any Seller Subsidiary to John Deere Health, Inc. and its affiliates shall not
have been either paid in full by the Seller and the Seller Subsidiaries or
converted into, or exchanged for shares of Seller Common Stock or other equity
securities of Seller, (1) within ten days thereafter the Purchaser and HEcom
shall assume and satisfy such obligations and (2) the Purchaser and Seller shall
irrevocably instruct the Escrow Agent to release from the Escrow Account and
deliver to the Purchaser and HEcom with five days thereafter the number of
shares of Purchaser Common Stock equal to the quotient of (A) the product of (I)
the total amount paid by Purchaser and HEcom to satisfy such obligations to John
Deere Health, Inc. and its affiliates and (II) 2.3, and (B) the Trailing Average
Closing Price. Such shares of Purchaser Common Stock delivered to Purchaser and
HEcom shall be deemed to be excluded and deducted from the consideration paid to
Seller pursuant to this Agreement and shall become authorized, but unissued,
shares of Purchase Common Stock.

            (c) Notwithstanding Sections 4.06(a) and 4.06(b), if, prior to the
date of the liquidation of the Seller pursuant to Section 4.04 hereof, the
obligations of the Seller or any Seller Subsidiary other than to John Deere
Health, Inc. and its affiliates shall not have been either paid in full by the

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Seller and the Seller Subsidiaries or converted into, or exchanged for shares of
Seller Common Stock or other equity securities of Seller, (1) within ten days
thereafter the Purchaser and HEcom shall assume and satisfy such obligations up
to a total of $700,000 and (2) the Purchaser and Seller shall irrevocably
instruct the Escrow Agent to release from the Escrow Account and deliver to the
Purchaser and HEcom with five days thereafter the number of shares of Purchaser
Common Stock equal to the quotient of (A) the product of (I) the total amount
paid by Purchaser and HEcom to satisfy such obligations and (II) 1.5, and (B)
the Trailing Average Closing Price. Such shares of Purchaser Common Stock
delivered to Purchaser and HEcom shall be deemed to be excluded and deducted
from the consideration paid to Seller pursuant to this Agreement and shall
become authorized, but unissued, shares of Purchase Common Stock.

            (d) Notwithstanding Sections 4.06(a), 4.06(b), and 4.06(c), if,
prior to the date of the liquidation of the Seller pursuant to Section 4.04
hereof, the obligations of the Seller or any Seller Subsidiary other than to
John Deere Health, Inc. and its affiliates shall not have been either paid in
full by the Seller and the Seller Subsidiaries or converted into, or exchanged
for shares of Seller Common Stock or other equity securities of Seller, and the
Purchaser and Hecom shall have assumed and satisfied such obligations to the
total of $700,000 referenced in Section 4.06(c) hereof, (1) within ten days
thereafter the Purchaser and HEcom shall assume and satisfy additional
obligations up to a total of $300,000 and (2) the Purchaser and Seller shall
irrevocably instruct the Escrow Agent to release from the Escrow Account and
deliver to the Purchaser and HEcom with five days thereafter the number of
shares of Purchaser Common Stock equal to the quotient of (A) the product of (I)
the total amount paid by Purchaser and HEcom to satisfy such obligations and
(II) 2.3, and (B) the Trailing Average Closing Price. Such shares of Purchaser
Common Stock delivered to Purchaser and HEcom shall be deemed to be excluded and
deducted from the

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consideration paid to Seller pursuant to this Agreement and shall become
authorized, but unissued, shares of Purchase Common Stock.

            (e) Notwithstanding Sections 4.06(a), 4.06(b), 4.06(c) and 4.06(d),
if, prior to the date of the liquidation of the Seller pursuant to Section 4.04
hereof, the obligations of the Seller or any Seller Subsidiary other than to
John Deere Health, Inc. and its affiliates shall not have been either paid in
full by the Seller and the Seller Subsidiaries or converted into, or exchanged
for shares of Seller Common Stock or other equity securities of Seller, and the
Purchaser and Hecom shall have assumed and satisfied such obligations to the
total of $700,000 referenced in Section 4.06(c) hereof, and to the total of an
additional $300,000 pursuant to Section 4.06(d) hereof, (1) within ten days
thereafter the Purchaser and HEcom shall assume and satisfy additional
obligations up to a total of $300,000 and (2) the Purchaser and Seller shall
irrevocably instruct the Escrow Agent to release from the Escrow Account and
deliver to the Purchaser and HEcom with five days thereafter the number of
shares of Purchaser Common Stock equal to the quotient of (A) the product of (I)
the total amount paid by Purchaser and HEcom to satisfy such obligations and
(II) 3.0, and (B) the Trailing Average Closing Price. Such shares of Purchaser
Common Stock delivered to Purchaser and HEcom shall be deemed to be excluded and
deducted from the consideration paid to Seller pursuant to this Agreement and
shall become authorized, but unissued, shares of Purchase Common Stock.

            (f) Notwithstanding anything in this Section 4.06 to the contrary
the aggregate amount of liabilities assumed by the Purchaser and Hecom pursuant
to this Section 4.06 shall not exceed the product of (I) 1,200,000 and (II) the
Trailing Average Closing Price."

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         Section 2. Miscellaneous.

         (a) At any time and from time to time, each party agrees, at its or his
expense, to take such actions and to execute and deliver such documents as may
be reasonably necessary to effectuate the purposes of this Amendment.

         (b) Since a breach of the provisions of this Amendment could not
adequately be compensated by money damages, any party shall be entitled, either
before or after the Closing, in addition to any other right or remedy available
to it, to an injunction restraining such breach or a threatened breach and to
specific performance of any such provision of this Amendment, and in either case
no bond or other security shall be required in connection therewith, and the
parties hereby consent to the issuance of such an injunction and to the ordering
of specific performance.

         (c) The covenants, agreements, representations, and warranties
contained in or made pursuant to this Amendment shall survive the Closing and
any delivery of the consideration described in Section 4.01 of the Asset
Purchase Agreement by the Purchaser or Hecom, irrespective of any investigation
made by or on behalf of any party.

         (d) This Amendment sets forth the entire understanding of the parties
with respect to the subject matter hereof (except as provided in Section 9.04 of
the Asset Purchase Agreement), supersede all existing agreements among them
concerning such subject matter, and may be modified only by a written instrument
duly executed by each party with the approval of the Board of Directors or by an
officer of each corporate party.

         (e) Any notice or other communication required or permitted to be given
hereunder shall be in writing and shall be mailed by certified mail, return
receipt requested (or by the most nearly comparable method if mailed from or to
a location outside of the United States) or by Federal Express, Express Mail, or
similar overnight delivery or courier service or delivered (in person or by
telecopy, telex, or similar telecommunications equipment) against receipt to the
party to whom it is

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to be given at the address of such party set forth in the preamble to this
Amendment (or to such other address as the party shall have furnished in writing
in accordance with the provisions of this paragraph (e)) with a copy to each of
the other parties hereto. Any notice given to any corporate party shall be
addressed to the attention of the Corporate Secretary. Notice to the estate of
any party shall be sufficient if addressed to the party as provided in this
paragraph (e). Any notice or other communication given by certified mail (or by
such comparable method) shall be deemed given at the time of certification
thereof (or comparable act), except for a notice changing a party's address
which will be deemed given at the time of receipt thereof. Any notice given by
other means permitted by this paragraph (e) shall be deemed given at the time of
receipt thereof. A copy of any notice to Purchaser or HEcom shall simultaneously
be delivered in accordance with this paragraph to Brock Silverstein LLC, 800
Third Avenue, 21st Floor, New York, New York 10022. A copy of any notice to
Seller shall simultaneously be delivered in accordance with this paragraph to
Winthrop & Weinstine, P.A., 3000 Dain Rauscher Plaza, 60 South Sixth Street,
Minneapolis, Minnesota 55402.

         (f) Any waiver by any party of a breach of any term of this Amendment
shall not operate as or be construed to be a waiver of any other breach of that
term or of any breach of any other term of this Amendment. The failure of a
party to insist upon strict adherence to any term of this Amendment on one or
more occasions will not be considered a waiver or deprive that party of the
right thereafter to insist upon strict adherence to that term or any other term
of this Amendment. Any waiver must be in writing and, in the case of a corporate
party, be authorized by a resolution of the Board of Directors or by an officer
of the waiving party.

         (g) The provisions of this Amendment shall be binding upon and inure to
the benefit of Seller, the Purchaser, and HEcom and their respective successors
and shall inure to the benefit of

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each Purchaser Indemnitee and its successors and assigns (if not a natural
person) and his assigns, heirs, and personal representatives (if a natural
person).

         (h) This Amendment does not create, and shall not be construed as
creating, any rights enforceable by any person not a party to this Amendment
(except as provided in paragraph (h)).

         (i) If any provision of this Amendment is invalid, illegal, or
unenforceable, the balance of this Amendment shall remain in effect, and if any
provision is inapplicable to any person or circumstance, it shall nevertheless
remain applicable to all other persons and circumstances.

         (j) The headings in this Amendment are solely for convenience of
reference and shall be given no effect in the construction or interpretation of
this Amendment.

         (k) This Amendment may be executed in any number of counterparts, each
of which shall be deemed an original, but all of which together shall constitute
one and the same instrument. It shall be governed by and construed in accordance
with the laws of New York, without giving effect to conflict of laws. Any
action, suit, or proceeding arising out of, based on, or in connection with this
Amendment or the transactions contemplated hereby may be brought in the United
States District Court for the Southern District of New York and each party
covenants and agrees not to assert, by way of motion, as a defense, or
otherwise, in any such action, suit, or proceeding, any claim that it or he is
not subject personally to the jurisdiction of such court, that its or his
property is exempt or immune from attachment or execution, that the action,
suit, or proceeding is brought in an inconvenient forum, that the venue of the
action, suit, or proceeding is improper, or that this Amendment or the subject
matter hereof may not be enforced in or by such court.

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         IN WITNESS WHEREOF, the parties have duly executed this Amendment as of
the date first written above.

                                          CLAIMSNET.COM, INC.

                                          By: ___________________________
                                              Name: Bo W. Lycke
                                              Title: Chairman of the Board of
                                              Directors, President and Chief
                                              Executive Officer

                                          HEALTHEXCHANGE.COM,
                                              INC.

                                          By: ___________________________
                                              Name: Bo W. Lycke
                                              Title: Chairman of the Board of
                                              Directors, President and Chief
                                              Executive Officer

                                          VHX COMPANY

                                          By: ___________________________
                                              Name:
                                              Title:

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                                                                  EXHIBIT 10.3

         ESCROW AGREEMENT, dated as of April 18, 2000, among CLAIMSNET.COM INC.,
a Delaware corporation with executive offices located at 12801 N. Central
Expressway, Suite 1515, Dallas, Texas 75243 (the "Purchaser");
HEALTHEXCHANGE.COM INC., a Delaware corporation with executive offices located
at 12801 N. Central Expressway, Suite 1515, Dallas, Texas 75243 and a
wholly-owned subsidiary of the Purchaser ("HEcom"); VHX COMPANY, a Nevada
corporation with executive offices located at Suite 950, 2970 Clairmont Road,
Atlanta, Georgia 30329 (the "Seller"); and ABRAMS, GARFINKEL & ROSEN LLP, a New
York Limited Liability Partnership with executive offices at 370 Lexington
Avenue, Suite 802, New York, New York 10017(the "Escrow Agent"). All capitalized
terms used, but not otherwise defined, herein shall have the respective
definitions assigned thereto in the Asset Purchase Agreement, dated as of March
20, 2000 (the "Asset Purchase Agreement"), among the Purchaser, HEcom, and the
Seller.

                              W I T N E S S E T H:
                               - - - - - - - - - -

         WHEREAS, simultaneously with the execution hereof, the Purchaser,
Hecom, and the Seller are consummating the transactions contemplated by, and in
connection with, the Asset Purchase Agreement, pursuant to which, among other
things, HEcom is acquiring from the Seller certain of the assets, and is
assuming certain of the liabilities, of the Seller;

         WHEREAS, pursuant to Section 4.01(a) of the Asset Purchase Agreement,
the Purchaser is, simultaneously with the execution hereof, depositing with the
Escrow Agent (i) stock certificates representing an aggregate of 1,200,000
shares (the "Escrowed Common Shares") of Purchaser Common Stock pursuant to
Section 4.01(a)(i) of the Asset Purchase Agreement, (ii) stock certificates
representing the shares (the "Escrowed Series A Shares") of Purchaser Series A
Preferred Stock pursuant to Section 4.01(a)(iv)(A) of the Asset Purchase
Agreement, and (iii) stock certificates representing the shares (the "Escrowed
Series B Shares") of Purchaser Series B Preferred Stock pursuant to Section
4.01(a)(iv)(B) of the Asset Purchase Agreement (the Escrowed Common Shares, the
Escrowed Series A Shares, and the Escrowed Series B Shares, collectively, the
"Escrowed Shares"); and

         WHEREAS, the Escrow Agent shall hold the Escrowed Shares pursuant to
the terms hereof (the "Escrow") to cover the costs and damages, if any, pursuant
to, related to, or in connection with, Section 4.06 of the Asset Purchase
Agreement.

         NOW, THEREFORE, it is agreed as follows:

I.       Escrow.

         Section 1.01 Appointment of Escrow Agent. The Purchaser, HEcom, and the
Seller hereby appoint the Escrow Agent, and the Escrow Agent hereby agrees to
serve, as Escrow Agent in accordance with, and pursuant to this Agreement.

         Section 1.02 Operation of Escrow. The parties hereto agree that,
subject to Section 1.03 hereof, the Escrow created hereby shall operate as
follows:

<PAGE>

         (a) (i) If, prior to the time all of the Escrowed Shares are
distributed by the Seller in connection with its liquidation pursuant to Section
4.04 of the Asset Purchase Agreement, the Purchaser has learned of a breach of
any representation, warranty, covenant, or agreement of Seller contained in the
Asset Purchase Agreement, the Purchaser in its discretion can by written notice
(a "4.06(a) Notice") to Seller pursuant to Section 1.02(a)(ii) hereof deduct
from the number of shares of Purchaser Common Stock otherwise deliverable to
Seller from the Escrow, and the Escrow Agent shall deliver to the Purchaser from
the Escrow, a number of such shares the value of which is equal to the aggregate
of (A) the amount necessary to cure or make whole such breach and (B) the amount
of losses, liabilities, claims, damages, and expenses whatsoever (as defined in
Section 4.05 of the Asset Purchase Agreement) incurred or demonstrably in
prospect of being incurred by any Indemnitee arising out of, based upon, or in
connection with such breach. For purposes of the immediately preceding sentence,
each share of Purchaser Common Stock shall be valued at the Trailing Average
Closing Price. Such shares of Purchaser Common Stock delivered to Purchaser and
HEcom shall be deemed to be excluded and deducted from the consideration paid to
Seller pursuant to this Agreement and shall become authorized, but unissued,
shares of Purchaser Common Stock.

                  (ii) The 4.06(a) Notice shall (A) describe in reasonable
detail the breach of the representation, warranty, covenant, or agreement of
Seller contained in the Asset Purchase Agreement giving rise to the liability
for which a disbursement from the Escrow is required, (B) certify that such
liability is an indemnifiable liability under Section 4.06(a) of the Asset
Purchase Agreement, (C) specify the amount of such liability, (D) set forth the
calculation of the number of shares of Purchaser Common Stock having such value,
and (E) give instructions to the Escrow Agent as to the release of the shares of
Purchaser Common Stock and/or Purchaser Preferred Stock. On the fifth business
day ("business day" being defined for purposes of this Agreement as any day
which is not a Saturday, a Sunday or a day on which banks or trust companies in
the City and State of New York are authorized or obligated by law, regulation,
or executive order to remain closed) following the receipt of any 4.06(a)
Notice, the Escrow Agent, subject to Section 1.03 hereof, shall release to such
Purchaser the number of shares of Purchaser Common Stock in clause (D) above and
shall deliver such securities in accordance with the instructions contemplated
by clause (E) above.

         (b) (i) Notwithstanding Section 1.02(a) hereof, if, prior to the date
30 calendar days following the date of the Closing, the obligations of the
Seller or any Seller Subsidiary to John Deere Health, Inc. and its affiliates
(collectively, "Deere") shall not have been either paid in full by the Seller
and the Seller Subsidiaries or converted into, or exchanged for, shares of
Seller Common Stock or other equity securities of Seller, and Purchaser shall
have satisfied such liabilities pursuant to Section 4.06(b) of the Asset
Purchase Agreement, the Purchaser in its discretion can by written notice (a
"4.06(b) Notice") to Seller pursuant to Section 1.02(b)(ii) hereof deduct from
the number of shares of Purchaser Common Stock otherwise deliverable to Seller
from the Escrow, and the Escrow Agent shall deliver to the Purchaser from the
Escrow, as hereinafter provided, a number of such shares the value of which is
equal to the product of (A) the total amount paid by Purchaser and HEcom to
satisfy such obligations to Deere and (B) 2.3. For purposes of the immediately
preceding sentence, each share of Purchaser Common Stock shall be valued at the
Trailing Average Closing Price. Such shares of Purchaser Common Stock delivered
to Purchaser and HEcom shall be

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deemed to be excluded and deducted from the consideration paid to Seller
pursuant to this Agreement and shall become authorized, but unissued, shares of
Purchaser Common Stock.

                  (ii) The 4.06(b) Notice shall (A) set forth the amount of the
obligation to Deere paid by Purchaser, (B) set forth the calculation of the
amount of the liability of the Seller to the Purchaser therefor, (C) set forth
the calculation of the number of shares of Purchaser Common Stock having such
value, and (D) give instructions to the Escrow Agent as to the release of the
shares of Purchaser Common Stock. On the fifth business day following the
receipt of any 4.06(b) Notice, the Escrow Agent, subject to Section 1.03 hereof,
shall release to such Purchaser the number of shares of Purchaser Common Stock
in clause (C) above and shall deliver such securities in accordance with the
instructions contemplated by clause (D) thereof.

         (c) (i) Notwithstanding Sections 1.02(a) and 1.02(b) hereof, if, prior
to the date of the liquidation of the Seller pursuant to Section 4.04 of the
Asset Purchase Agreement, the obligations of the Seller or any Seller Subsidiary
other than to Deere shall not have been either paid in full by the Seller and
the Seller Subsidiaries or converted into, or exchanged for, shares of Seller
Common Stock or other equity securities of Seller, and such liabilities, up to a
total of $700,000, shall have been satisfied by the Purchaser, the Purchaser in
its discretion can by written notice (a "4.06(c) Notice") to Seller pursuant to
Section 1.02(c)(ii) hereof deduct from the number of shares of Purchaser Common
Stock otherwise deliverable to Seller from the Escrow, and the Escrow Agent
shall deliver to the Purchaser from the Escrow, as of the date of such notice, a
number of such shares the value of which is equal to the product of (A) the
total amount paid by Purchaser and HEcom to satisfy such obligations and (B)
1.5. For purposes of the immediately preceding sentence, each share of Purchaser
Common Stock shall be valued at the Trailing Average Closing Price. Such shares
of Purchaser Common Stock delivered to Purchaser and HEcom shall be deemed to be
excluded and deducted from the consideration paid to Seller pursuant to this
Agreement and shall become authorized, but unissued, shares of Purchase Common
Stock.

                  (ii) The 4.06(c) Notice shall (A) set forth the amount of the
obligations paid by Purchaser, (B) set forth the calculation of the amount of
the liability of the Seller to the Purchaser therefor, (C) set forth the
calculation of the number of shares of Purchaser Common Stock having such value,
and (D) give instructions to the Escrow Agent as to the release of the shares of
Purchaser Common Stock. On the fifth business day following the receipt of any
4.06(c) Notice, the Escrow Agent, subject to Section 1.03 hereof, shall release
to such Purchaser the number of shares of Purchaser Common Stock in clause (C)
above and shall deliver such securities in accordance with the instructions
contemplated by clause (D) thereof.

         Section 1.03 Disbursement of Escrow Funds. Promptly upon receipt of any
notice pursuant to Section 1.02 hereof, and in any event not more than five
business days after receipt thereof, the Escrow Agent shall give notice of the
proposed distribution pursuant to Section 1.02 hereof to the Seller, and no such
distribution shall be made if, within a period of five business days following
the date upon which the Escrow Agent receives any such notice, the Escrow Agent
shall have received a notice (an "Objection Notice") from the Seller setting
forth an objection to such distribution. The Escrow Agent shall promptly deliver
a copy of such Objection Notice to the Purchaser and HEcom.

                                      -3-
<PAGE>

         If the Escrow Agent shall have received an Objection Notice as set
forth above, then the Escrow Agent shall continue to hold the Escrowed Shares
until it shall have received (i) a written instrument signed by both the Seller
and the Purchaser with respect to the Escrowed Shares, or (ii) a certified copy
of the decision of the mediator appointed pursuant to Section 1.04 hereof.

         Section 1.04 Mediation.

         (a) If the Seller delivers to the Escrow Agent an Objection Notice in
accordance to Section 1.03 hereof, and the Purchaser and the Seller do not
execute the written instrument contemplated by clause (i) of Section 1.03 hereof
prior to the close of business on the tenth business day following the receipt
of the 4.01(a) Notice, 4.01(b) Notice, or 4.01(c) Notice, as applicable, by the
Escrow Agent, the Purchaser and the Seller shall submit the objections set forth
in the Objection Notice to the binding, final, and conclusive decision of a
mediator (the "Mediator") appointed in accordance with this Section 1.04. Such
mediator shall be an individual chosen by the mutual agreement of the Purchaser
and the Seller. If an individual to serve as Mediator is not so appointed and
such appointment accepted by such individual prior to the twentieth business day
following the receipt of the 4.01(a) Notice, 4.01(b) Notice, or 4.01(c) Notice,
as applicable, by the Escrow Agent, the individual shall be chosen at random by
the New York, New York office of the American Arbitration Association or any
successor thereto (the "AAA"). The proceedings of the Mediator shall be held in
New York, New York in accordance with the rules of the AAA. Judgment of the
Mediator's decision may be entered on the Mediator's decision in any court
having jurisdiction, and the parties hereby consent to the jurisdiction of the
State of New York for such purpose. In such mediation, the parties hereto hereby
waive personal service of any process or other papers and agree that service
thereof may be made in accordance with Article V hereof.

         (b) The losing party in such mediation shall pay all costs of such
mediation and all the reasonable attorney's fees and expenses of the other
parties thereto.

         Section 1.05 Liquidation. Pending the resolutions of any dispute
hereunder, the Seller will not consummate the liquidation contemplated by
Section 4.04 of the Asset Purchase Agreement to the extent required to permit
the resolution of any dispute hereunder.

         Section 1.06 Termination of Escrow. Subject to Section 1.05 hereof,
this Agreement and the Escrow related hereby will terminate upon the completion
of the liquidation of Seller pursuant to Section 4.04 of the Asset Purchase
Agreement, at which time the balance of the Escrowed Shares shall be released
and delivered to the Seller.

II.      Deposit of Escrowed Shares.

         Simultaneously with the execution hereof, the Purchaser and HEcom shall
deposit with the Escrow Agent the Escrowed Shares.

III.     Seller Information.

         Simultaneously with the execution hereof, the Seller shall furnish or
cause to be furnished to the Escrow Agent the legal name of, the address of, and
the social security number, if applicable, of, the Seller and a completed W-9
form.

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<PAGE>
IV.      Notices.

         Any notice or other communication required or permitted to be given
hereunder shall be in writing and shall be (a) delivered by hand, (b) facsimile,
or (c) overnight delivery with proper postage prepaid, and addressed as follows:

         If to the Purchaser, to:

         Claimsnet.com inc.
         12801 N. Central Expressway
         Suite 1515
         Dallas, Texas 75243
         Attention: Mr. Bo W. Lycke
         President
         Phone:   972-458-1701
         Fax:     972-458-1737

         If to the Seller, to:

         VHX Company
         Suite 950
         2970 Clairmont Road
         Atlanta, Georgia 30329
         Attention:  Ms. Nan Smith
         Phone:   404-329-0661
         Fax:     404-248-9147

         If to the Escrow Agent, to:

         Abrams, Garfinkel & Rosen, LLP
         Attention:  William L. Abrams, Esq.
         Phone:   212-867-5675
         Fax:     212-867-5614

or to such other address as the person to whom notice is to be given may have
previously furnished to the others in the above-referenced manner. Except as
otherwise provided herein, no notice or communication shall be effective until
received.

V.       Concerning the Escrow Agent.

         To induce the EscEsc Agent to act hereunder, it is further agreed by
the Purchaser and the Seller that:

                  (i) The Escrow Agent shall not be under any duty to give the
Escrowed Shares held by it hereunder any greater degree of care than it gives
its own similar property.

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<PAGE>

                  (ii) This Agreement expressly sets forth all the duties of the
Escrow Agent with respect to any and all matters pertinent hereto. No implied
duties or obligations shall be read into this Agreement against the Escrow
Agent. The Escrow Agent shall not be bound by the provisions of any agreement
among the other parties hereto, except this Agreement. Except for amendments to
this Agreement and except for instructions given to the Escrow Agent by the
other party hereto relating to the escrow deposit under this Agreement, the
Escrow Agent shall not be obligated to recognize any agreement between any or
all of the persons referred to herein, notwithstanding that references thereto
may be made herein and whether or not it has knowledge thereof.

                  (iii) The Escrow Agent shall not be liable, except for its own
gross negligence or willful misconduct, and, except with respect to claims based
upon such gross negligence or willful misconduct that are successfully asserted
against the Escrow Agent, the other parties hereto shall jointly and severally
indemnify and hold harmless the Escrow Agent (and any successor Escrow Agent)
from and against any and all losses, liabilities, claims, actions, damages, and
expenses, including reasonable attorneys' fees and disbursements, arising out
of, and in connection with, this Agreement.

                  (iv) The Escrow Agent shall be entitled to rely upon any
order, judgment, certification, demand, notice, instrument, or other writing
delivered to it hereunder without being required to determine the authenticity
or the correctness of any fact stated therein or the propriety or validity of
the service thereof. The Escrow Agent may act in reliance upon any instrument or
signature believed by it in good faith to be genuine and may assume, if in good
faith, that any person purporting to give notice or receipt or advice or make
any statement or execute any document in connection with the provisions hereof
has been duly authorized to do so.

                  (v) The Escrow Agent may act pursuant to the advice of counsel
with respect to any matter relating to this Escrow Agreement and shall not be
liable for any action taken or omitted in good faith and in accordance with such
advice.

                  (vi) The Escrow Agent does not have any interest in the
Escrowed Shares deposited hereunder, but is serving as escrow holder only. Any
payments of income, if any, from the Escrow Account shall be subject to
withholding regulations then in force with respect to United States taxes.

         This paragraph (vi) and paragraph (iii) of this Article V shall survive
notwithstanding any termination of this Agreement or the resignation of the
Escrow Agent.

                  (vii) The Escrow Agent makes no representation as to the
validity, value, genuineness, or the collectibility of any security or other
documents or instrument held by, or delivered to, it.

                  (viii) The Escrow Agent shall not be called upon to advise any
party as to the wisdom in selling or retaining or taking or refraining from any
action with respect to any securities or other property deposited hereunder.

                                      -6-
<PAGE>

                  (ix) The Escrow Agent (and any successor escrow agent) at any
time may be discharged from its duties and obligations hereunder by the delivery
to it of notice of termination signed by both the Purchaser and the Seller or at
any time may resign by giving written notice to such effect to the Purchaser and
the Seller. Upon any such termination or resignation, the Escrow Agent shall
deliver the Escrowed Shares to any successor escrow agent jointly designated by
the other parties hereto in writing, or to any court of competent jurisdiction
if no such successor escrow agent is agreed upon, whereupon the Escrow Agent
shall be discharged of and from any and all further obligations arising in
connection with this Escrow Agreement. The termination or resignation of the
Escrow Agent shall take effect on the earlier of (A) the appointment of a
successor (including a court of competent jurisdiction) or (B) the day that is
30 days after the date of delivery: (1) to the Escrow Agent of the other
parties' notice of termination or (2) to the other parties hereto of the Escrow
Agent's written notice of resignation. If at that time the Escrow Agent has not
received a designation of a successor escrow agent, the Escrow Agent's sole
responsibility after that time shall be to keep the Escrowed Shares safe until
receipt of a designation of successor escrow agent or a joint written
disposition instruction by the other parties hereto or an enforceable order of a
court of competent jurisdiction.

                  (x) The Escrow Agent shall have no responsibility for the
contents of any writing of any third party contemplated herein as a means to
resolve disputes and may rely without any liability upon the contents thereof.

                  (xi) In the event of any disagreement among or between the
other parties hereto resulting in adverse claims or demands being made in
connection with the Escrowed Shares or in the event that the Escrow Agent in
good faith is in doubt as to what action it should take hereunder, the Escrow
Agent shall be entitled to retain the Escrowed Shares until the Escrow Agent
shall have received (A) a final and non-appealable order of a court of competent
jurisdiction directing delivery of the Escrowed Shares or (B) a written
agreement executed by the other parties hereto directing delivery of the
Escrowed Shares, in which event the Escrow Agent shall release and distribute
the Escrowed Shares in accordance with such order or agreement. Any court order
referred to in (A) above shall be accompanied by a legal opinion by counsel for
the presenting party satisfactory to the Escrow Agent to the effect that said
court order is final and non-appealable. The Escrow Agent shall act on such
court order and legal opinions without further question.

                  (xii) As consideration for its agreement to act as Escrow
Agent as herein described, the other parties hereto, jointly and severally,
agree to pay the Escrow Agent fees determined in accordance with the terms set
forth on Exhibit A hereto (and made a part of this Escrow Agreement as if herein
set forth). In addition, the other parties hereto, jointly and severally, agree
to reimburse the Escrow Agent for all reasonable expenses, disbursements, and
advances incurred or made by the Escrow Agent in performance of its duties
hereunder (including reasonable fees, expenses, and disbursements of its
counsel).

                  (xiii) The other parties hereto irrevocably (A) submit to the
jurisdiction of any New York State or federal court sitting in New York City in
any action or proceeding arising out of, or relating to, this Agreement, (B)
agree that all claims with respect to such action or proceeding shall be heard
and determined in such New York State or federal court, and (C) waive, to the
fullest extent possible, the defense of an inconvenient forum. The other parties
hereby consent to and

                                      -7-
<PAGE>

grant any such court jurisdiction over the persons of such parties and over the
subject matter of any such dispute and agree that delivery or mailing of process
or other papers in connection with any such action or proceeding in the manner
provided hereinabove, or in such other manner as may be permitted by law, shall
be valid and sufficient service thereof.

                  (xiv) No publicly distributed material or other matter in any
language (including, without limitation, notices and reports, but excluding the
Asset Purchase Agreement) which mentions the Escrow Agent's name or the rights,
powers, or duties of the Escrow Agent shall be issued by the other parties
hereto or on such parties' behalf unless the Escrow Agent shall first have given
its specific written consent thereto.

                  (xv) The Escrow Agent shall have no duties or responsibilities
except those expressly set forth herein. The Escrow Agent may disregard and
shall not be required to refer to, or examine, any notice, instruction,
instrument or document except as specifically provided herein. The Escrow Agent
may rely upon, and shall be protected in acting or refraining from acting upon,
any written notice believed by it to be genuine and furnished to him hereunder.
The Escrow Agent shall not be liable for any mistake of fact or of law or any
error of judgment, or for any act or any omission, except as a result of the
Escrow Agent's own willful misconduct or gross negligence.

                  (xvi) In the event that the Escrow Agent shall be uncertain as
to its duties or rights hereunder, or shall receive any notice, claim, advice,
direction, or other document from any other party with respect to the Escrow
which, in the Escrow Agent's opinion, is in conflict with any of the provisions
of this agreement, or is advised that a dispute has arisen between the
Purchaser, Seller or HEcom, or any of them, whether as to ownership or right of
possession of the Escrow or any part thereof or otherwise (or as to the
delivery, non-delivery, or content of any notice, advice, direction, or other
document), the Escrow Agent shall be entitled, without liability to anyone, to
refrain from taking any action other than to use the Escrow Agent's reasonable
efforts to keep the Escrow safe until the Escrow Agent shall be directed
otherwise in writing by all of the Purchaser, Seller or HEcom, or by final
order, decree or judgment of a court of competent jurisdiction and the time for
appeal of such order has expired and no appeal has been perfected (or, if an
appeal has been perfected and the time for further appeal has expired), but the
Escrow Agent is under no duty to institute or defend any proceeding.

                  (xvii) Distribution of the Escrowed Shares pursuant to this
Agreement by the Escrow Agent shall operate to divest all right, title,
interest, claim and demand, either at law or in equity, of any party to this
Agreement in and to the Escrowed Shares and the Escrow, and shall be a perpetual
bar both at law and in equity as against the Escrow Agent and the Purchaser,
HEcom and the Seller. The Escrow Agent's responsibilities and liabilities
hereunder will terminate upon transfer by Escrow Agent of all the Escrow under
this Agreement.

                  (xviii) Purchaser, Seller and HEcom all agree to indemnify and
hold harmless the Escrow Agent from and against any and all losses, expenses
(including, without limitation, reasonable fees and disbursements of legal
counsel to the Escrow Agent), assessments, liabilities, claims, damages,
actions, or other charges incurred by or assessed against the Escrow Agent for
anything done or omitted by the Escrow Agent in the performance of its duties
hereunder, except as a result of the Escrow Agent's own willful misconduct or
gross negligence. The agreements

                                      -8-

<PAGE>

continued in this Section V (xviii) shall survive any termination of this Escrow
Agreement or the Escrow Agent's duties hereunder.

VI.      Miscellaneous.

         Section 6.01 Binding Effect. This Escrow Agreement shall be binding
upon, and inure solely to the benefit of, the parties hereto and their
respective successors and assigns, heirs, administrators, and representatives,
and shall not be enforceable by, or inure to the benefit of, any other third
party, except as provided in paragraph (ix) of Article V with respect to the
termination of, or resignation by, the Escrow Agent. No party may assign any of
its rights or obligations under this Agreement without the written consent of
the other parties.

         Section 6.02 Choice of Law. This Agreement shall be construed in
accordance with, and governed by, the internal law of the State of New York
(without reference to its rules as to conflicts of law).

         Section 6.03 Modification. This Agreement may only be modified by a
writing signed by all of the parties hereto.

         Section 6.04 Headings. The section headings herein are for convenience
only and shall not affect the construction thereof. Unless otherwise indicated,
references to Sections and Articles are to Sections and Articles, respectively,
contained herein.

         Section 6.05 Counterparts. This Agreement may be executed in one or
more counterparts but all such separate counterparts shall constitute but one
and the same instrument; provided that, although executed in counterparts, the
executed signature pages of each such counterpart may be affixed to a single
copy of this Agreement which shall constitute an original.

                                      -9-
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Escrow
Agreement to be executed as of the day and year first above written.

                             CLAIMSNET.COM INC.

                             By:__________________________________
                                  Bo W. Lycke
                                  Chairman of the Board of Directors,
                                  President and Chief Executive Officer

                             HEALTHEXCHANGE.COM INC.

                             By:__________________________________
                                  Bo W. Lycke
                                  Chairman of the Board of Directors,
                                  President and Chief Executive Officer

                             VHX COMPANY

                             By:__________________________________
                                  Name:
                                  Title:

                             ABRAMS, GARFINKEL & ROSEN, LLP

                             By:__________________________________
                                  Name:
                                  Title:

                                      -10-
<PAGE>

                                                                       EXHIBIT A

                               Administration Fee

         A. The minimum administration fee has been satisfied in connection with
the Escrow Agreement, dated as of April 18, 2000 among the Escrow Agent, the
Purchaser and the Seller.

         B. A fee equal to: $3,500

         C. A fee for recordkeeping equal to the following:

            $100.00           for each withdrawal or modification of
                              Escrowed Property made by the Escrow Agent
                              pursuant to the Agreement to which this
                              Exhibit is attached shall be paid when
                              billed by the Escrow Agent.

           Capitalized terms not otherwise defined shall have the
           meanings ascribed thereto in the Agreement to which this
           Exhibit is attached.

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