Document:

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                                                                   EXHIBIT 10.19

                                MASTER AGREEMENT

THIS MASTER AGREEMENT (the "Agreement"), effective 24 Aug., 1998 the "Effective
Date"), between MPOWER SOLUTIONS INC., a Delaware corporation with its principal
place of business located at 6400 S. Fiddler's Green Circle, Suite 540,
Englewood, CO 80111 ("MPOWER") and QUEST DIAGNOSTICS INCORPORATED, a Delaware
corporation with its principal place of business located at One Malcolm Avenue,
Teterboro, NJ 07608 ("Customer") sets forth the promises of the parties with
respect to the products and services of MPOWER which are described in this
Agreement.

WHEREAS, MPOWER is in the business of providing automated managed health care
information software and services to businesses providing managed health care
and insurance services, and desires to provide such services and software to
Customer, subject to the terms hereof; and

WHEREAS, Customer is in the business of providing laboratory services to its
customers, including managed health care providers, and desires to use the
software and services provided by MPOWER, subject to the terms hereof.

NOW THEREFORE, in consideration of the mutual promises made, the terms and
conditions hereunder described and other valuable consideration, the parties
agree as follows:

I.    DEFINITIONS

As used in this Agreement, the following terms shall have the following
meanings:

A.    CPI

      "CPI" shall mean the Consumer Price Index for All Urban Consumers, U.S.
      City Average, for All Items (1982-1984= 100), as published by the Bureau
      of Labor Statistics of the U.S. Department of Labor. If the Bureau of
      Labor Statistics ceases to publish or substantially changes the content,
      calculation or format of the CPI, the parties will substitute another
      comparable index published by a mutually agreeable source; provided,
      however, that if the change is merely to redefine the base period to some
      other period, the parties will continue to use the affected index but will
      convert either the current or prior level of such index to the same basis
      as the other by using an appropriate conversion factor.

B.    Documentation

      "Documentation" shall mean the standard operational instructions, manuals
      and

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      related material regarding MPOWER Products (as defined below) which MPOWER
      will deliver to Customer as set out in the Attachments to this Agreement.

C.    MPOWER(R) Product(s)

      "MPOWER(R) Product(s)" shall mean those product(s) which MPOWER will
      deliver to Customer as set out in the Attachments to this Agreement.

D.    Release

      "Release" shall mean a set of computer programs and/or associated
      Documentation regarding an MPOWER Product which MPOWER makes available for
      use by its customers who are covered under warranty or a maintenance
      agreement regarding such MPOWER Product. MPOWER reserves the right to
      charge an additional license fee for any optional modules which MPOWER
      reasonably determines contains significant additional functionality. Such
      significant additional functionality shall mean (a) new modules or
      subsystems that are not a mere enhancement nor extension of existing
      functionality, which enhancements and extensions are covered under
      maintenance agreements, or (b) different hardware, operating system
      platforms or databases. The major modules and/or functionality initially
      covered under a given MPOWER Product are listed in an Exhibit to the
      applicable Attachment to this Agreement.

E.    Site(s)

      "Site(s)" shall mean the physical location(s) at which Customer conducts
      its business.

F.    Live Production Environment

      A live production environment ("Live Production Environment') is defined
      whereby MPOWER(TM) is managing on-line the enrollment and processing of
      subscribers or members, and, at a minimum, one line of business.

G.    Plan(s)

      A "Plan" (" Plans") shall mean a health benefit in which Customer or a
      Plan Sponsor is operating

H.    Enrollee

      "Enrollee" shall mean an individual who is currently enrolled with a Plan
      entitled to receive Covered Services or who has been enrolled in such Plan
      at some time during the then-previous twelve (12) months, whether or not
      such covered member has presented a valid claim to such Plan.

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I.    Covered Services

      "Covered Services" shall mean those healthcare or related benefits that an
      Enrollee is entitled to receive from a Participating Provider or other
      Provider pursuant to the applicable Enrollee Group Benefits Agreement.

J.    Participating Provider

      "Participating Provider" means Provider that has entered into an Agreement
      with Customer or Customer's customer to provide Covered Services to
      Enrollees.

K.    Group Benefits Agreement

      "Group Benefits Agreement" means the document distributed by Plan to its
      Enrollees describing all Covered Services in the Plan.

L.    Work Order

      "Work Order" shall mean a document that is separately executed by both
      parties, that (a) describes a scope of services that Customer wishes
      MPOWER to perform for Customer, (b) authorizes MPOWER to perform services
      for Customer, (c) obligates MPOWER to perform such services and (d)
      obligates Customer to pay for such services, all under the terms of that
      separate document, and which document, when executed, is incorporated and
      made part of this Agreement.

M.    Derivative Work

      "Derivative Work" shall mean any computer program, application, interface
      or related documentation that is based on an M. POWER Product, or any
      component part thereof, that is used or intended to be used as a
      commercial software product or as a competitive product to MPOWER.

N.    Source Code

      "Source Code" shall mean the commonly accepted source code of a computer
      program describing in a formal language certain logic functions, from
      which source code a computer program is compiled or interpreted to perform
      certain functions in a computer.

O.    Object Code

      "Object Code" shall mean the commonly accepted object code of a computer
      program, which is that version of the computer program logic that has been
      translated from the Source Code into instructions that can be run directly
      within a

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      computer in a predefined operating system environment.

P.    Plan Sponsor

      "Plan Sponsor" shall mean the health plan, organization or legal person
      that offers a Plan either directly or through another organization or
      legal entity to Enrollees.

Q.    Provider

      "Provider" shall mean a medical services provider, clinic, laboratory or
      other institution or facility that customarily provides Covered Services
      or other medical, surgical, laboratory, radiology, therapies, alternative
      medical services or any other commonly accepted services of a medical or
      medically related nature, whether licensed or unlicensed, to Enrollees of
      Customer or Customer's customers.

R.    Claim Transaction

      "Claim Transaction" shall mean a medical, surgical, laboratory, radiology,
      therapy or other service claim or encounter, whether for a Covered Service
      or any other service or product, submitted to Customer by a Provider
      detailing services or products provided by such Provider to an Enrollee.

S.    Encounter File

      "Encounter File" shall mean the codified output of one or more of the
      aforementioned services performed by such Provider to an Enrollee,
      resulting in claim transaction(s) to be processed.

T.    "Life" ("Lives")

      "Life" ("Lives") shall mean an Enrollee.

U.    End User

      "End User" shall mean all such authorized individuals deemed by Customer
      to require access to the then current release of MPOWER Product in Object
      Code form, based upon conformance to the terms and conditions set forth in
      Paragraph II (Confidential and Proprietary Information) of this Agreement.

V.    Customer

      "Customer" means Quest Diagnostics Incorporated, its wholly owned
      subsidiaries

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      and affiliates, and any other entity in which Quest Diagnostics
      Incorporated's ownership interest is no less than 45% of that entity.

II.   CONFIDENTIAL AND PROPRIETARY INFORMATION

      MPOWER, on behalf of itself, its employees, agents, vendors, successors,
      and assigns, agrees to keep in confidence all data relating to Customer's
      business to which MPOWER may have access as a result of performing its
      obligations under this Agreement and the terms of this Agreement.

      MPOWER asserts and Customer acknowledges that all MPOWER Products, the
      Documentation and the Releases, and all information, data, designs, MPOWER
      Product structure definitions of any system setups, benefit plans,
      provider contracts, fee groups, adhoc reports, letter formats, sample
      letter content, business process workflow diagrams, and any other
      structural templates and other similar information provided by, developed
      or reviewed by or in conjunction with MPOWER, and used by MPOWER in
      assisting Customer in the installation, implementation or on-going use of
      the MPOWER Product, and methodologies related thereto ("Proprietary
      Information") are the exclusive property of MPOWER or MPOWER's suppliers
      and that the Proprietary Information is confidential, has tangible value
      and includes trade secret information of MPOWER and/or MPOWER's suppliers.
      MPOWER and/or MPOWER's suppliers shall retain all rights to the
      Proprietary Information, including all copyright rights therein, except to
      the extent to which MPOWER grants rights to Customer to use the
      Proprietary Information pursuant to this Agreement. Customer may not
      create Derivative Works based upon the Proprietary Information in whole or
      in part. All improvements, enhancements and modifications to the
      Proprietary Information shall be owned exclusively by MPOWER or MPOWER's
      suppliers. Without MPOWER's prior written consent, Customer shall not
      decompile, disassemble or reverse engineer any Proprietary Information.

      Customer agrees not to sell, lease, assign or otherwise transfer, disclose
      or make available, in whole or in part, any portion of the Proprietary
      Information or the terms of this Agreement and Customer shall prevent
      disclosure of any pan of the Proprietary Information or the terms of this
      Agreement to any third party for any reason (except for disclosure or
      access to Customer's employees, contracted entities, or Customer's
      customers which is necessary for Customer to be able to use the
      Proprietary Information in accordance with this Agreement). Customer
      agrees to notify those employees, contracted entities or customers to whom
      Customer gives access to the Proprietary Information of the restrictions
      contained in this Section II and to ensure their compliance with such
      restrictions.

      The duties and obligations which are included in this Section II shall
      survive any

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      termination of this Agreement and/or Customer's right and license to use
      any MPOWER Product.

      If Customer desires to disclose any Proprietary Information to any third
      party or to permit any third party to have access to any Proprietary
      Information, such third party must have a legitimate need to have access
      to such Proprietary Information (consistent with the purpose[s] for which
      such disclosure was made to Customer) and, prior to any such disclosure or
      access, Customer and such third party must enter into a nondisclosure
      agreement with MPOWER in substantially the form set out in the Addendum
      which is attached to this Master Agreement and made a part hereof. In no
      event shall Customer disclose any Proprietary Information to any
      competitor of MPOWER.

      Customer and MPOWER specifically acknowledge that specific provider and
      benefit contract rates, the names, demographic information, contractual
      relationships, and medical information of any group, member, provider or
      other entity with a contractual relationship with Customer shall be
      considered Proprietary Information of Customer or of such other entity
      contracted with Customer, unless such information is available through
      public sources or through publicly available filings with any insurance or
      health care regulatory agency or with any industry accreditation or
      reporting body.

      Further notwithstanding the above, Customer and MPOWER acknowledge that
      Customer may create and distribute reports and data from its licensed use
      of the MPOWER Products in the normal course of its business to its
      customers, to health care providers, Enrollees, employers or Plan
      Sponsors, government agencies and others with a legitimate purpose in the
      conduct of the Customer's business and the data processed by the licensed
      MPOWER Products, and that such reports and distributed data do not
      constitute Derivative Works, unless they are used to create commercial
      software products for reuse and / or license to other parties.

      Customer and MPOWER agree that MPOWER has no rights in the data that is
      input by Customer or its agents in the use of the MPOWER Products, and
      agree that all of such data, and any subsequent information developed from
      such data by Customer in its use of the MPOWER Products is confidential
      information solely for the use of Customer. MPOWER shall not use the data
      and subsequent information developed by Customer in any manner, and it is
      agreed that such data and information is Proprietary Information of
      Customer.

III.  COPYING

      Customer, for each licensed instance of the MPOWER Product being used in a
      Live Production Environment, may make one (I) copy of each MPOWER Product
      in machine-readable form in a test region for the purpose of testing new
      releases or

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      fixes and also one (1) copy of each MPOWER Product in machine-readable
      form for backup purposes only. Customer agrees that upon copying any
      MPOWER Product, Customer shall place a label on the outside of each copy
      medium showing the program name, version number and any/all copyright and
      proprietary notices in the same form as contained on the original copy.

      In addition, Customer may make automated backup copies of its production
      and testing regions for operational backup purposes without applying the
      above labels, provided that such operational backup copies are maintained
      with the acceptable industry standard security measures and not made
      available to outside parties except for the case of disaster recovery
      purposes, in which case the disaster recovery agent will be bound to all
      the confidentiality and Proprietary Information restrictions to which
      Customer is bound hereunder, and further that no such disaster recovery
      agent may be a competitor of MPOWER.

IV.   SOURCE CODE ESCROW

      At the request of Customer, MPOWER and Customer will enter into an
      agreement with MPOWER's escrow agent ("Custodian") for the depositing of
      the MPOWER Products' Source Code ("Source Code Copy"). [The current
      Custodian is NORWEST Bank.] MPOWER shall notify Customer at least ten (10)
      business days prior to a change in the entity identified as the Custodian.
      Subject to Customer's payment of all fees due under this Agreement in
      accordance with the applicable payment terms and Customer's payment of all
      fees related to' Custodian's administration of said escrow (the current
      rate as of the date of this Agreement being One Thousand Five Hundred
      ($1,500.00) Dollars per annum), the Source Code Copy so deposited will be
      maintained during the period Customer shall use and purchase, and MPOWER
      shall provide, software maintenance services for the particular MPOWER
      Product. The Source Code Copy will be updated by MPOWER within thirty (30)
      days after each new Release of the particular MPOWER Product.

      The parties agree that the Source Code Copy shall be held by the Custodian
      for delivery to Customer under the conditions that this Agreement is
      terminated as a result of a material breach of the terms of this Agreement
      by MPOWER or MPOWER riles for bankruptcy under Chapter 7, and its business
      is not continued by virtue of a merger, consolidation, the sale of all or
      substantially all of its assets, or through some other transaction by
      another fiscally sound and technically qualified corporation or entity,
      and the Custodian of the Source Code has received from Customer or from
      MPOWER, or from a court of competent jurisdiction: (i) written
      notification of any such event or condition; (ii) demand that a copy of
      the Source Code Copy be mailed to Customer; (iii) written undertaking from
      Customer, which shall be legally binding, that the copy 'of the Source
      Code Copy to be supplied to Customer will be used only for Customer's
      maintenance of the

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      MPOWER Products at a specified location and will be promptly returned to
      the Custodian at the expiration of the period during which Customer, under
      its agreement with MPOWER, has the right to use the MPOWER Products, and
      that the copy of the Source Code and the information and material
      contained therein shall be held confidentially by Customer, its employees
      and agents who are involved in the use and technical maintenance of the
      MPOWER Products, and shall not, under any circumstances, be disclosed or
      made available to any other person or entity; and (iv) specific
      instructions from Customer for the delivery of a copy of the Source Code
      Copy, with a copy of such instructions to MPOWER. Customer will pay the
      costs and expenses of the Custodian in carrying out the requirements of
      this Section.

      In addition, if Customer uses the MPOWER Product Source Code, it will only
      be for the purposes for which the Object Code is licensed under this
      Agreement and not for re-license, reverse engineering or to create a
      derivative product. The Confidential and Proprietary Information
      provisions of Section II apply also to the Source Code.

V.    TERMINATION

      Should Customer fail to pay any sum due and payable under this Agreement,
      MPOWER shall notify Customer in writing of such failure to pay. Customer
      shall then have thirty (30) days from the delivery of MPOWER's written
      notice to pay such amount(s). The foregoing sentence in no way relieves
      Customer from its obligation to pay any and all late charges which may
      become due as set forth in Section VI below. If payment is not made within
      such thirty (30) days, MPOWER shall have the immediate right to
      discontinue any and all services under this Agreement. Furthermore, if
      payment is not made within sixty (60) days from the delivery of MPOWER's
      written notice, MPOWER shall have the immediate right to terminate this
      Agreement, except that the License granted hereunder shall not be
      terminated unless the sum due and unpaid is specifically for the License
      granted hereunder.

      Should either party commit a material breach of its obligations under this
      Agreement, other than failing to pay money, the non-breaching party may
      notify the breaching party in writing, setting out the breach, and the
      breaching party shall have thirty (30) days to remedy such breach. If the
      breaching party fails to remedy the breach during this thirty (30)-day
      period, or, with respect to those breaches which cannot reasonably be
      remedied within thirty (30) days, if the breaching party fails to proceed
      promptly after being given such notice to commence remedying the breach
      and thereafter to diligently proceed to remedy the same, the other party
      shall have the right to terminate this Agreement, provided such party
      gives the breaching party ten (10) days' prior written notice to that
      effect. Notwithstanding the foregoing, either party shall have the right
      to

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      immediately terminate this Agreement upon any breach by the other of its
      obligations under Section II above.

      Termination of this Agreement shall be without prejudice to all accrued
      rights and remedies either party may have and shall not affect any
      continuing rights and obligations of the parties under this Agreement.

      Upon the termination of this Agreement and/or any Attachment to this
      Agreement, Customer shall return to MPOWER all Proprietary Information
      regarding the MPOWER Product whose license is being terminated, within
      thirty (30) days after such termination and MPOWER shall return to
      Customer any proprietary information obtained in the performance of this
      Agreement within thirty (30) days after such termination.

      Notwithstanding anything to the contrary herein, the License granted
      hereunder shall not be terminated due to any breaches that relate to
      Software Maintenance services; Implementation services; Training services;
      Conversion services and/or Other services as identified in this Agreement
      or the Attachments hereto. In the instances of such breaches MPOWER'S
      termination remedies shall be limited to termination of this Agreement as
      it applies to such services.

VI.   INVOICES AND CHARGES

      Unless a specific payment date is set out in an Attachment to this
      Agreement, Customer agrees to remit all payments under this Agreement so
      that MPOWER shall receive such payments no later than thirty (30) days
      from the date of Customer's receipt of MPOWER's invoice. Customer also
      agrees that MPOWER shall have the right to charge interest of one percent
      (1.0%) of the outstanding balance per month, and Customer agrees to pay
      such charges if assessed. All prices mentioned in this Agreement are in
      U.S. Dollars. The parties agree that the prices set out in this Agreement
      do not include any sales, use or gross receipts taxes, any duties, any
      similar assessments, or any other tax imposed on any party by virtue of
      this Agreement, all of which, excluding only taxes based on MPOWER's
      income, shall be the sole liability of, and shall be paid solely by,
      Customer.

VII.  FORCE MAJEURE

      Neither party shall be liable to the other for failing to fulfill any
      obligation under this Agreement if such failure is caused by an event
      which is beyond such party's reasonable control and which is not caused by
      such party's fault or negligence, including without limitation, acts of
      God, acts of war, fires, strikes, lightning, floods, epidemics, civil
      unrest, power shortages, a third party's equipment failure,

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      delays in transportation, or either party's inability to obtain necessary
      labor, material or components due to causes beyond such party's reasonable
      control.

VIII. CUSTOMER RESPONSIBILITIES

      A.    Customer Responsibilities

      Customer acknowledges that MPOWER(R) reflects certain interdependent
      relationships, such as exist among the data variables, logic rules and
      system functions of MPOWER(R). Customer further acknowledges that it is
      required and has a responsibility to understand such data variables, logic
      rules and system functions, and their interdependent relationships, and to
      define for its own purposes such data variables, logic rules and system
      functions to MPOWER(R) in such a way that MPOWER(R) will provide the
      functionality desired by Customer. Customer acknowledges that it has or
      will hire and will maintain on its staff personnel who are able to
      understand and define such data variables, logic rules, system functions
      and interdependent relationships. Customer further acknowledges that, even
      though MPOWER may assist Customer personnel in performing these tasks, the
      responsibility for the effective definition and maintenance of these data
      variables, logic rules and system functions resides with Customer and not
      with MPOWER, unless Customer specifically requests MPOWER to perform these
      tasks at agreed upon rates specified in a Work Order.

      B.    Customer Data

      Customer shall be responsible for inputting and ensuring the accuracy,
      validity and completeness of all data variables, logic rules, system
      functions and Customer data, including but not limited to group,
      subscriber, member, provider, utilization, encounter, claims, capitation,
      fund accounting, billing, collection, broker, benefits, product contract,
      provider contract, provider fees, standard business measures, and other
      similar or related data. Customer shall also be responsible for inputting
      and ensuring, the accuracy, validity and completeness of all user-defined
      report definitions, all report and batch production job specifications and
      priority scheduling criteria. Customer shall also be responsible for
      initiating, monitoring, operating, printing and ensuring the accuracy,
      validity, and completeness of all print outputs and file downloads, such
      as but not limited to all reports, premium bills, checks, and the like,
      determining how many and on what print stock such outputs are to be
      printed or into which files or programs on Customer-controlled computers
      such files are to be downloaded and manipulated, at Customer's own
      initiative, responsibility and risk. Customer hereby acknowledges
      responsibility for generally controlling all aspects related to the
      production, distribution and control of such outputs. Customer further
      acknowledges that, notwithstanding the responsibility of MPOWER to have
      used

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      due care and diligence in the design, programming, documentation and
      operation of the System, the accuracy of Customer's data base within
      MPOWER(R) and the accuracy of the several outputs of the MPOWER(R),
      including but not limited to, outputs that control the billing, receipt or
      expenditure of monies, will be dependent on the accuracy and use of the
      data variables, logic rules, system functions and Customer data input into
      MPOWER(R) by Customer and verified by Customer.

      C.    Other Customer Obligations

      In addition to its other obligations hereunder, Customer will on a timely
      basis:

            1.    Establish appropriate priorities for Customer, on a regular
                  basis and no less frequently than every ninety (90) days, that
                  relate to MPOWER(R) and communicate the same to MPOWER.
                  Customer recognizes that changes in such priorities may result
                  in additional fees hereunder for additional staff, as
                  incremental support, or reordering of other priorities to
                  provide MPOWER services within the current fee structure.

            2.    Cooperate with MPOWER by, among other things, making
                  available, as reasonably requested by MPOWER, management
                  decisions, information, approvals, and acceptances in order
                  that MPOWER may properly accomplish its obligations and
                  responsibilities hereunder.

            3.    Carefully inspect and review all MPOWER generated reports and
                  other output and notify MPOWER of any incorrect reports or
                  output.

            4.    Personalize, maintain, reproduce and distribute (solely for
                  Customer's internal use) procedure manuals and documentation
                  used by Customer personnel in connection with the MPOWER
                  services hereunder.

            5.    Train applicable Customer personnel to properly prepare input
                  for and to effectively utilize output from the systems
                  operated by MPOWER hereunder.

            6.    Pay all costs of acquisition, installation, use and
                  maintenance of equipment at Customer's site, as required for
                  the performance of MPOWER services.

            7.    Such other responsibilities as set forth herein.

      Customer agrees that to the extent its failure to meet its obligations set
      forth in this Section VIII C affects the ability of MPOWER to perform
      MPOWER's obligations under this Agreement, MPOWER shall be relieved of
      such

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      obligations, and Customer shall indemnify MPOWER against any claims or
      liabilities arising, out of such failure by Customer, subject to the
      liability limitations set forth elsewhere herein.

      D.    Reprocessing or Reconstructing of Data

      During any period of use of MPOWER(R), to the extent that any Customer
      data must be corrected, recreated, restored or reprocessed due to the
      fault or negligence of Customer, its employees or agents, or by a breach
      by Customer of any of its obligations hereunder, MPOWER will do so, and in
      such event Customer shall pay MPOWER at the service fee rates outlined in
      an applicable Work Order and reimburse MPOWER for any reasonable direct
      costs incurred by MPOWER in correcting, recreating, restoring or
      reprocessing such data or in providing assistance therewith.

IX.   LIMITATION OF LIABILITY

      CUSTOMER AGREES THAT MPOWER SHALL HAVE NO LIABILITY TO CUSTOMER FOR
      INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF MPOWER IS ADVISED
      OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR LOSS OF USE OR OTHER COMMERCIAL
      LOSS (INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUES AND/OR PROFITS),
      HOWEVER OCCASIONED AND WHATEVER THE FORM OF ACTION, FOR ACTUAL OR IMPUTED
      NEGLIGENCE, BREACH OF CONTRACT, BREACH OF WARRANTY OR OTHERWISE.

      FURTHERMORE, CUSTOMER AGREES THAT IN NO EVENT SHALL MPOWER BE LIABLE FOR
      DIRECT DAMAGES IN EXCESS OF ALL FEES CUSTOMER SHALL HAVE PAID MPOWER UNDER
      THIS AGREEMENT.

      The parties agree that no action, regardless of form, which may arise out
      of the transactions under this Agreement may be brought by either party
      more than two (2) years after the cause of action is known, or ought
      reasonably to have been known, to the party bringing the action.

      MPOWER AGREES THAT CUSTOMER SHALL HAVE NO LIABILITY TO MPOWER FOR
      INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF CUSTOMER IS ADVISED
      OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR LOSS OF USE OR OTHER COMMERCIAL
      LOSS (INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUES AND/OR PROFITS),
      HOWEVER OCCASIONED AND WHATEVER THE FORM OF ACTION, FOR ACTUAL OR IMPUTED
      NEGLIGENCE, BREACH OF CONTRACT, BREACH OF WARRANTY OR OTHERWISE.

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X.    INFRINGEMENT

      MPOWER agrees to defend, indemnify and hold Customer harmless against any
      and all claims that any MPOWER Product infringes a U. S. Letter Patent,
      copyright, trade secret or the proprietary fights of others, provided that
      MPOWER, shall have received timely written notice of any such claim and
      that MPOWER shall have sole control of the defense of such claim and all
      negotiations for the settlement or compromise of such claim.

      As of the date first written above, MPOWER warrants that it is not aware
      of any infringement, and has not been notified by any third party that it
      may be infringing, any U.S. Letter Patent, copyright, trade secret or the
      proprietary fights of others.

      If use of an MPOWER Product by Customer is enjoined, or becomes, or, in
      MPOWER's sole opinion, is likely to become, the subject of a claim of
      infringement, MPOWER will, at its option and expense, either:

      1.    procure for Customer the right to continue using the MPOWER Product
            in question; or

      2.    replace or modify the same so that it is functionally equivalent
            [i.e. the MPOWER Product will achieve the same or similar business
            logic result] (or contains more functionality) and is
            non-infringing.

      Notwithstanding the foregoing, if MPOWER determines that neither of the
      alternatives set forth above is reasonably available, MPOWER will refund
      to Customer any unamortized portion of the infringing MPOWER Product's
      license fee which has then been paid by Customer. Amortization shall be
      based upon a seven (7)-year life of the infringing MPOWER Product,
      beginning on the date the infringing MPOWER Product was licensed by
      Customer from MPOWER. Should such refund occur, Customer agrees to return
      the infringing MPOWER Product to MPOWER.

      Should any refund described above occur, the license for the infringing
      MPOWER Product shall be terminated and MPOWER, its affiliates,
      subsidiaries, assigns and successor corporations shall be released from
      any and all liability arising from any and all claims, losses,
      liabilities, damages, costs or deficiencies which are then-existing or
      which may arise in the future with regard to such infringing MPOWER
      Product(s) for which MPOWER has refunded fees pursuant to this Section X.

      Notwithstanding anything contained herein to the contrary, MPOWER shall
      have no liability for any loss, cost, claim or expense caused by:

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      1.    alteration of any MPOWER Product provided hereunder by any party
            other than MPOWER;

      2.    any loss, expense or liability resulting from any infringement which
            is a consequence of MPOWER's compliance with designs or code
            submitted to MPOWER by Customer;

      3.    the use of any MPOWER Product in combination with products not
            licensed to customer by MPOWER;

      4.    continuation of the allegedly infringing activity by Customer after
            Customer is notified in writing thereof and after the conclusion of
            a reasonable grace period afforded Customer in the notice to migrate
            from the infringing activity to an alternate solution; or

      5.    Customer's use of an MPOWER Product other than in compliance with
            the terms and conditions of this Agreement.

      Notwithstanding the foregoing, MPOWER shall not be obligated to defend,
      indemnify or hold Customer harmless from and against any claim, suit
      proceeding or allegation asserted by a parent, subsidiary or affiliate of
      Customer.

      The foregoing remedy set forth in this Section X represents the exclusive
      remedy of Customer and MPOWER's sole liability with regard to any claim
      that an MPOWER Product infringes the rights of others.

XI.   RESOLUTION OF DISPUTES

      If any dispute shall arise between the parties under this Agreement, the
      parties shall make every effort to amicably resolve the dispute by
      providing written notice of the dispute, setting forth the nature of the
      dispute in sufficient detail for the other party to evaluate the matter
      and respond to the claims of the other party. The other party will provide
      a written response in reasonable detail (to the extent allowable based on
      the sufficiency of details provided by the notifying party), within a
      reasonable time, but no greater than 30 business days after receipt of
      such notice, to the allegations of the notifying party. If the parties are
      unable to resolve the dispute within 30 business days of the receiving
      party's response to the notifying party, then the parties may seek to
      invoke the arbitration provision set forth below.

      If the matter has not been resolved pursuant to the aforesaid dispute
      resolution procedures (which may be extended by mutual agreement) the
      controversy shall be settled by arbitration in accordance with the
      American Arbitration Association.

                                  Page 14 of 43
<PAGE>   15
      (the "Association) under the Commercial Arbitration Rules of the
      Association then in effect, by an arbitrator knowledgeable in the computer
      area. The arbitrator shall be selected by mutual agreement of MPOWER and
      Customer. If MPOWER and Customer can not agree upon an arbitrator, an
      arbitrator shall be appointed by the Court with jurisdiction over the
      dispute. The arbitration shall be governed by the United States
      Arbitration Act, 9 U.S.C. Sec. 1-16, and judgment upon the award by the
      arbitrator may be entered by any court having jurisdiction thereof. The
      place of arbitration shall be in Bergen County, New Jersey. Each party
      shall pay its own costs and expenses.

XII.  SUCCESSORS AND ASSIGNS

      This Agreement shall be binding upon and shall inure to the benefit of the
      parties and their respective successors and (to the extent specified in
      any assignments) assigns. Customer shall not assign or otherwise transfer
      this Agreement without the prior written consent of MPOWER. Customer,
      however, may assign this Agreement to any subsidiary or affiliate of
      Customer in which Customer owns an equity position of 51% or more, or to
      any successor company to Customer in the event that Customer conveys
      substantially all of its assets (or stock) to, or merges with, another
      Company, by giving notice to MPOWER within 30 days of any such conveyance.

XIII. OMNIBUS RECONCILIATION ACT COMPLIANCE

      As applicable under the Omnibus Reconciliation Act of 1980, until the
      expiration of four (4) years after the furnishing of services under this
      Agreement, MPOWER shall, upon receipt of written request, and if then
      required to make such information available under the then-existing law,
      make available to the Secretary of the United States Department of Health
      and Human Services ("Secretary"), the Comptroller General, or any of their
      duly authorized representatives, this Agreement, books, documents, and/or
      records of MPOWER that are necessary to certify the nature and extent of
      products and services delivered under this Agreement and costs associated
      therewith. Furthermore, if MPOWER carries out any of the duties of this
      Agreement through a subcontract with a value or cost of Ten Thousand
      Dollars ($10,000.00) or more over a twelve (12)-month period, such
      subcontract will contain a clause to the effect that, until the expiration
      of four (4) years after the furnishing of such services under such
      subcontract, the subcontractor shall, upon receipt of written request and
      if then required to make such information available under the
      then-existing law, make available to the Secretary, Comptroller General,
      or any of their duly authorized representatives, the subcontract, books,
      documents, and/or records of such subcontractor that are necessary to
      verify the nature and extent of such costs.

                                  Page 15 of 43
<PAGE>   16
XIV.  RELATIONSHIP MANAGEMENT

      A.    Meetings. MPOWER and Customer agree to discuss business and
            relationship strategies affecting both parties, as is required to
            effectively manage the relationship between the parties. MPOWER and
            Customer further agree to have regularly scheduled communications to
            summarize current activities, performance results, error corrections
            and work efforts, as well as the future planned activities.

      B.    Release Discussions. MPOWER agrees to discuss with Customer its
            planned future Releases and share with Customer at least sixty (60)
            to ninety (90) days in advance of a projected future Release its
            then current Release priorities, release notes and expectations
            regarding new or expanded functionality to be included in such
            future Release.

      C.    Liaison. During the term of this Agreement, each party will provide
            a liaison who (i) will have overall management responsibility for
            the performance by the party hereunder, (ii) will have primary
            operational responsibility, and (iii) will serve as the party's
            primary liaison with the other party with respect to performance
            under this Agreement.

XV.   MISCELLANEOUS

      A.    Invalidity. If any of the provisions, or portions thereof, of this
            Agreement are deemed to be invalid under any applicable statute or
            rule of law, they are to that extent to be deemed omitted, and the
            parties agree to negotiate in good faith to bring such provisions,
            or portions thereof, into compliance.

      B.    Headings. The headings of Sections in this Agreement and in the
            Attachments are included for convenience only and shall not be
            considered by either parry in construing the meaning of this
            Agreement or any Attachment.

      C.    Notices. Any notice given under this Agreement shall be in writing,
            sent by Certified Mail, Return Receipt Requested or overnight
            courier such as FedEx or equivalent, and shall be deemed to be
            delivered upon receipt by the receiving party.

            All notices remitted to MPOWER shall be remitted to the attention
            of: Chief Executive Officer. All notices remitted to Customer shall
            be remitted to the attention of Vice President, General Manager of
            Quest Informatics, with a cc: Deputy General Counsel.

                                  Page 16 of 43
<PAGE>   17
      D.    Waiver. Neither party shall be deemed to have waived any term or
            provision of this Agreement, nor consented to any breach of this
            Agreement, unless such party shall waive such term or provision, or
            shall consent to such breach, in writing. Any such written waiver
            and/or consent must be signed by the party which is waiving such
            term or provision or is consenting to a breach. Either party's
            consenting to a waiver, or a breach, by the other, whether express
            or implied, shall not constitute consent or waiver of any other
            different or subsequent breach by the other.

      E.    Governing Law. This Agreement and all Attachments hereto shall be
            governed by and construed according to the laws of the State of New
            Jersey.

The parties have each read this Agreement and agree to be bound by all of its
provisions, and further agree that it constitutes the complete and exclusive
statement of the agreement between them with regard to the subject matter
referenced herein, and supersedes any and all prior agreements and
understandings between them pertaining to the subject matter of this Agreement
and takes precedence over the provisions of any purchase orders submitted to
MPOWER by Customer. This Agreement may be amended only in writing signed by
authorized representatives of both of the parties.

QUEST DIAGNOSTICS INCORPORATED               MPOWER SOLUTIONS INC.
("CUSTOMER")                                 ("MPOWER")

GERALD C. MARRONE                            MARK S. RENGELL
--------------------------------             -----------------------------------
SIGNATURE                                    SIGNATURE

GERALD C. MARRONE                            MARK S. RENGELL
--------------------------------             -----------------------------------
NAME PRINTED                                 NAME PRINTED

SENIOR VICE PRESIDENT                        SENIOR VICE PRESIDENT
--------------------------------             -----------------------------------
TITLE                                        TITLE

                                  Page 17 of 43
<PAGE>   18
                          ADDENDUM TO MASTER AGREEMENT

               NONDISCLOSURE AGREEMENT FOR PROPRIETARY INFORMATION

In consideration of _____________________________________ ("Customer")
disclosing certain confidential and proprietary information relating to the
MPOWER(R) Managed Care Information System (and / or other MPOWER Product
involved) and information, data, designs, documentation and methodologies
related thereto (collectively, "Proprietary Information") to __________________,
located at _____________________________________,("Third Party") for the sole
purpose of allowing Third Party to facilitate Customer's use of the Proprietary
Information, Third Party agrees to the following:

Third Party acknowledges that the Proprietary Information is the exclusive
property of MPOWER SOLUTIONS INC., a Delaware corporation, located at 6400 S.
Fiddler's Green Circle, Suite 540, Englewood, CO 80111("MPOWER") and that such
Proprietary Information is confidential, has tangible value and includes trade
secret information of MPOWER. MPOWER shall retain all rights to the Proprietary
Information, including all copyright rights therein, except to the extent to
which Third Party is allowed to use the Proprietary Information pursuant to this
Nondisclosure Agreement. All improvements, enhancements and modifications to the
Proprietary Information shall be owned exclusively by MPOWER.

Third Party agrees not to sell, lease, assign or otherwise transfer, disclose or
make available, in whole or in part, any portion of the Proprietary Information
and Third Party shall prevent disclosure of any part of the Proprietary
Information to any other third party for any reason (except for disclosure or
access to Third Party's and Customer's employees which is necessary for Third
Party to be able to use the Proprietary Information in accordance with this
Nondisclosure Agreement). Third Party agrees to notify its employees to whom
Third Party gives access to the Proprietary Information of the restrictions
contained in this Nondisclosure Agreement and to ensure their compliance with
such restrictions.

Third Party agrees to return all Proprietary Information promptly to Customer or
MPOWER upon the earlier of (i) MPOWER's or Customer's request or (ii) completion
of Third Party's assignment for Customer. Third Party agrees that it shall not
use, and it shall not permit the use of, the Proprietary Information for any
purpose other than as expressly authorized in this Nondisclosure Agreement.

                                  Page 18 of 43
<PAGE>   19
This Nondisclosure Agreement shall be governed by the laws of the State of New
Jersey. If any provision of this Nondisclosure Agreement is invalid under any
applicable statute, it is to be deemed omitted. If any action is instituted to
enforce or interpret the terms of this Nondisclosure Agreement, the prevailing
party shall be entitled to reasonable attorney's fees and expenses in addition
to any other entitled relief. This Nondisclosure Agreement shall be effective as
of the date the Proprietary Information is first disclosed to Third Party.

--------------------------------------
("Third Party")

--------------------------------------
Signature of Authorized Signatory

--------------------------------------
Name Printed

--------------------------------------
Title

--------------------------------------
Date

In consideration of MPOWER's approval of the disclosure of Proprietary
Information to Third Party, Customer agrees to use its best efforts to ensure
the adherence by Third Party of all the terms of this Nondisclosure Agreement,
and shall support MPOWER in pursuing its remedies in the event of any breach by
Third Party of this Nondisclosure Agreement.

--------------------------------------
Customer

--------------------------------------
Signature of Authorized Signatory

--------------------------------------
Name Printed

--------------------------------------
Title

--------------------------------------
Date

                                  Page 19 of 43
<PAGE>   20
                                  ATTACHMENT 1

I.    DEFINITIONS

      Except as set forth in this Section I of this Attachment, all capitalized
      terms used in this Attachment shall have the same meaning as set forth in
      the Master Agreement.

A.    Master Agreement

      "Master Agreement" shall mean the agreement to which this Attachment 1 is
      attached.

B.    Agreement

      "Agreement" shall mean the Master Agreement and all Addenda, Exhibits and
      Attachments thereto.

C.    MPOWER(R)

      "MPOWER(R)" shall mean the software product marketed by MPOWER which is
      being licensed by Customer under this Attachment and the Master Agreement.
      The high level modules that are included in' MPOWER(R) as of the date of
      this Attachment are listed in Exhibit F hereto.

II.   GRANT OF LICENSE

      In consideration of Customer's paying the Initial License Fee (as
      hereinafter defined) MPOWER grants Customer a non-exclusive,
      nontransferable (except as allowed in Section XI of the Master Agreement)
      and perpetual license to operate an Object Code instance version of
      MPOWER(TM) on a Windows NT platform for a Live Production Environment for
      claims processing of encounter files up to an aggregate of [*] per
      month ("Initial License"), with additional volume of up to [*]% due to
      reprocessing of denials, associated with the first client of Customer's
      laboratory network business initiative. The License granted hereunder is
      an enterprise wide License, subject to the claims processing volume
      adjustments referenced herein, which will allow Customer to operate MPOWER
      on as many platforms, and at as many of Customer's sites as Customer deems
      necessary to service its needs.

      Customer may extend the license for such single, Object Code instance of
      MPOWER(R) ("License Extension(s)") for additional encounter file
      transaction processing per month by paying MPOWER the fees for such
      additional transactions per month defined in Section VIII below, and
      abiding by the terms

* Confidential Treatment Requested

                                  Page 20 of 43
<PAGE>   21
      therein stipulated, and by providing the number of such additional
      encounter file transactions per month in writing to MPOWER within sixty
      (60) days of Customer's determination that the monthly encounter file
      transaction per month exceeds the total of [*] referenced above.

      Customer may copy MPOWER(R) and/or the Documentation as allowed under
      Section III of the Master Agreement. Furthermore, Customer may copy the
      Documentation in order to supply a copy of the Documentation to each End
      User of MPOWER at each Site. Customer agrees that any and all copies of
      MPOWER and/or the Documentation made by Customer shall include any/all
      copyright and proprietary notices in the same form as contained on the
      original copy. Except as allowed in Section III of the Master Agreement
      and this paragraph, Customer may not otherwise make copies of MPOWER(R) or
      the Documentation or any part thereof without the prior written consent of
      MPOWER. Customer agrees there shall be no other use of MPOWER(R) or the
      Documentation without the prior written consent of MPOWER except as
      allowed in Section II of the Master Agreement.

      In order to ensure that MPOWER(R) is being used in conformity with the
      license being granted under this Attachment, MPOWER shall have the right
      to conduct audits (either on-site or remotely, at MPOWER's option) of
      Customer's use of MPOWER(R) at periodic intervals, no more frequently than
      semi-annually. MPOWER agrees that any such on-site audit shall be
      scheduled in advance and at a time so as not to unduly interfere with
      Customer's business operations. Customer agrees that any audit revealing
      unauthorized use of MPOWER(R) will result in Customer's being liable for
      the payment of additional fees to MPOWER equal to MPOWER's fees as stated
      in Section VIII A of this Attachment.

III.  DELIVERY AND MEDIA

      Promptly after the full execution of this Attachment, MPOWER will deliver
      to Customer:

      A.    one (1) copy of the then-current Release of MPOWER(R) in Object Code
            form; and

      B.    one (1) set of the then-current version of the Documentation in
            electronic form in conformance with the hardware and software
            requirements identified in Exhibit H.

      MPOWER and Customer agree that time is of the essence in performance of
      this Agreement, and the following Milestones constitute material
      performance dates under this Agreement:

* Confidential Treatment Requested

                                  Page 21 of 43
<PAGE>   22
      1. [*] after signing of the Agreement, the ,Implementation Workplan
      Schedule (Exhibit K) will be completed.

      2. No later than [*] the MPOWER Products provided hereunder will be ready
      to test for operational performance with sample transactions as specified
      in lines 347 through 355 of Exhibit K.

      3. The MPOWER Products provided hereunder will be capable of full on-line
      business operation no later than [*].

IV.   WARRANTY

      A.    General Terms

      M-POWER represents and warrants to Customer that MPOWER(R) will function
      in accordance with the Documentation in all ways which materially affect
      the performance of MPOWER(R) Products. Tiffs warranty is contingent upon
      Customer's using: 1) certain prerequisite hardware and software, a list of
      which has been provided to Customer by MPOWER (Exhibit H) for the Windows
      NT Release; and 2) the most recent Release of MPOWER(R), provided such
      Release has been available for Customer's use for thirty (30) days, or
      more. If Customer wishes to use certain third party software that is
      similar to but not the MPOWER defined "prerequisite software" to perform
      the functions required by such "prerequisite software", MPOWER and
      Customer agree to negotiate in good faith under an appropriate Work Order
      for MPOWER to certify whether such third party software will qualify as
      "prerequisite software" which is a contingency to the warranties herein.
      MPOWER further represents and warrants that MPOWER owns the MPOWER
      Products, that it has the right to grant the licenses granted hereunder
      without violating the rights of any third parties, and that the licenses
      are free and clear of all liens and encumbrances, other than security
      interests related to financial instruments between MPOWER and lending
      institutions.

      B.    Year 2000 Compliance

      MPOWER represents and warrants that the MPOWER Product(s) subject to the
      Agreement shall be Year 2000 Compliant. Year 2000 Compliant means that
      performance and functionality is not affected by dates prior to, during,
      and after January 1, 2000. Specifically: no value for current dates will
      cause any interruption in operation; date-based functionality must behave
      consistently for dates prior to, during and after January 1, 2000; in all
      interfaces and data storage, the century in any date should be specified
      explicitly (CCYY); the Year 2000

* Confidential Treatment Requested

                                  Page 22 of 43
<PAGE>   23
      must be recognized as a leap year.

      In the event the MPOWER Product(s) require(s) modification to prevent
      MPOWER from being in breach of the foregoing warranty, MPOWER represents
      and warrants to Quest Diagnostics that it will immediately assign Senior
      engineering staff to work continuously until such software program is
      returned to the same level of functionality as warranted herein at no
      charge to Quest Diagnostics, time being of the essence.

      In the event MPOWER breaches the foregoing warranty, MPOWER shall defend,
      indemnify and hold harmless (including reasonable attorney's fees) Quest
      Diagnostics, its employees, officers, and directors against all costs,
      expenses, and liability arising from or in connection with such breach,
      however such indemnification is limited to the sum equal to two (2) times
      the sum of all payments made to MPOWER under this agreement.

      MPOWER shall also provide Quest Diagnostics, free of charge, with any new
      versions, upgrades, etc. of all software which prevents or corrects a
      breach of warranty.

      The obligations of this section shall survive the termination of the
      Agreement.

      MPOWER hereby grants to Quest Diagnostics a limited use source code
      license for MPOWER Products to be used by Quest Diagnostics or a third
      party vendor for the sole purpose of testing for Year 2000 compliance.

      The foregoing is Customer's sole and exclusive remedy for breach of
      warranty. The warranty set forth above is made to and for Customer's
      benefit only. The warranty will apply only if no modification, alteration
      or addition has been made to MPOWER(R) by persons other than MPOWER or
      MPOWER's authorized representative.

      THE WARRANTY SET FORTH IN THIS SECTION IV CONSTITUTES THE ONLY WARRANTY
      PROVIDED BY MPOWER REGARDING MPOWER AND SUCH WARRANTY IS IN LIEU OF ALL
      OTHER WARRANTIES, WRITTEN OR ORAL, STATUTORY, EXPRESS, OR IMPLIED. MPOWER
      HEREBY SPECIFICALLY DISCLAIMS THE IMPLIED WARRANTY OF MERCHANTABILITY AND
      THE WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE.

V.    SOFTWARE MAINTENANCE SERVICES

      In consideration of payment of the annual Maintenance Fee(s) set forth in
      Section

                                  Page 23 of 43
<PAGE>   24
      VIII B of this Attachment, Customers agrees to purchase for a minimum of
      (3) three years, but only if Customer is using the MPOWER Product, and
      MPOWER agrees to provide customer on an annually renewable basis with
      software maintenance services for MPOWER(R) as follows (provided Customer
      allows MPOWER, at MPOWER's request, dial-up access to MPOWER(R)):

      A.    any and all Releases regarding MPOWER(R) issued by MPOWER;

      B.    any and all updates to the Documentation issued by MPOWER; and

      C.    remote diagnostic support (including dial-up capabilities) regarding
            MPOWER(R)to include error analysis and, where possible, correction
            services, twenty-four (24) hours per day, seven (7) days per week.
            Any on-site assistance which Customer may request and which is
            provided by MPOWER, which, in MPOWER's and Customer's reasonable
            opinions, is not necessary to determine the nature and resolution of
            any problems Customer may have with MPOWER(R)shall be provided by
            MPOWER at its then-current rates. If Customer notifies MPOWER that
            it suspects a material error in the program logic of MPOWER(R)or in
            the Documentation, MPOWER shall make all reasonable efforts to
            confirm the existence of the error and correct it. If the parties
            mutually determine that no such error exists, Customer agrees to pay
            MPOWER for its services at MPOWER's hourly rates then in effect and
            to reimburse MPOWER for any and all reasonable travel and living
            expenses incurred by MPOWER in rendering such services. MPOWER will
            use its Severity Designations in effect from time to time to provide
            remote diagnostic support. The current Severity Designations and
            attendant response times are given in Exhibit G to this Attachment.

      D.    Extended Support Services:

            MPOWER will provide Extended Support Services for Customer's
            technical environment through a dedicated dial-up line. As defined
            below, Extended Support Services will include:

            -     Database maintenance (table and file space);

            -     IBM Transaction Server maintenance;

            -     System utilities; and

            -     Application maintenance and patches.

            To help facilitate MPOWER's provision of Extended Support Services,
            Customer will provide onsite system administration resources with
            access to the system console to handle such activities as
            coordination of hardware troubleshooting, network/security
            administration and backups/loading of tapes.

                                 Page 24 of 43
<PAGE>   25
      Notwithstanding the foregoing, should Customer be utilizing any Release of
      MPOWER(R) other than the then-most-recent Release, or the Release prior to
      the then-most-current Release, provided such Release has been available
      for Customer's use for a period of six (6) months or longer, MPOWER
      reserves the right, at its sole option, to terminate its obligations to
      provide maintenance services under this Section V at any time upon giving
      thirty (30) days' prior written notice to Customer. If such a condition
      exists, MPOWER and Customer agree to negotiate in good faith to define
      reasonable terms, conditions and fees for MPOWER to provide Customer with
      maintenance services for such then non-current Release.

      MPOWER's providing Customer with maintenance services as described in this
      Section V shall automatically continue, on an annual basis, unless either
      party shall give written notice to the other that it desires not to renew
      such maintenance services. The parties agree that such written notice
      shall be remitted for receipt by the other no less than ninety (90) days
      prior to the end of the then-current annual maintenance period.

VI.   IMPLEMENTATION AND CONVERSION SERVICES

      MPOWER agrees to provide implementation services ("Implementation
      Services") to assist Customer in implementing MPOWER(R) at the Site(s).
      These implementation services shall comprise: 1) analysis of the
      Site's(s') business requirements; 2) assistance in the user set up
      definitions and build; 3) testing of MPOWER(R); 4) pre/post activation
      support for end users; 5) up to forty (40) hours of initial training
      services and 6) project management.

      MPOWER shall charge Customer as set out in Section VIII C below for all
      such Implementation Services requested by Customer. Additionally, to help
      accommodate Customer's stated functional requirements that may not be
      currently operational or in sufficient compliance with Customer needs
      within the existing system, MPOWER shall provide up to forty (40) hours of
      programming modifications, as defined in Work Order(s) to be submitted,
      within the scope of Implementation Services, at no additional charge.
      Beyond the scope of the aforementioned forty (40) hours, programming
      modifications requested by Customer will be billed at rates set forth in
      Section VIII E below.

      Upon request, MPOWER agrees to provide conversion services ("Conversion
      Services") to Customer to convert its current data files from its existing
      software system to the MPOWER(R) database. MPOWER shall charge Customer as
      set out in Section VIII E below for all such Conversion Services requested
      by Customer.

                                  Page 25 of 43
<PAGE>   26
      MPOWER reserves the right to subcontract any Implementation Services
      responsibilities it may accept under this Agreement. Customer shall have
      the right to approve MPOWER's subcontractors, which approval shall not be
      unreasonably withheld. If Customer objects to certain subcontractors for a
      stated good cause, MPOWER and Customer agree to seek a mutually agreeable
      resolution to Customer's objection. MPOWER's agreements with
      Subcontractors shall require subcontractors to agree to confidentiality
      terms set forth in this Agreement.

VII.  TRAINING SERVICES

      MPOWER will provide up to forty (40) hours of initial End User training
      within the scope of payment of initial Implementation Fees, as indicated
      in Section VIII.C of this Attachment. Initial training will focus on
      Customer's education of functionality contained within key subsystems of
      MPOWER(R) and will be inclusive of the following:

      -     Mapping of business rules to benefit plan templates;

      -     Establishment of workflow procedures and user-defined variables;

      -     Use of standard and ad-hoc reporting systems; and

      -     Methods for maintenance of key information being stored in the
            system.

      MPOWER will provide Customer under an appropriate Work Order, at MPOWER's
      then-current fees, with additional training sessions regarding MPOWER(R)
      to a reasonable number of Customer's personnel. All such training,
      including initial End User training, shall be conducted at location(s)
      elected by Customer at time(s) which are mutually acceptable to both
      parties. Current fees for additional training sessions are provided in
      Section VIII F.

VIII. FEES

      A.    MPOWER(R) License Fees.

            1.    Fee for the Initial License.
            Customer agrees to pay MPOWER a license fee ("Initial License Fee")
            equal to two hundred fifty thousand Dollars [$250,000] for the
            master license granted in Section II of this Attachment for claims
            processing of encounter files up to an aggregate of [*] per month
            ("Initial License"), with additional volume of up to [*]% due to
            reprocessing of denials, associated with Customer's laboratory
            network business initiative. Customer agrees the Initial License Fee
            is due to MPOWER and payable according to the schedule shown in
            Exhibit C hereto.

* Confidential Treatment Requested

                                  Page 26 of 43
<PAGE>   27
            2.    Fees for License Extensions.

            Customer may, during the term of this Agreement, provided Customer
            is current with all Maintenance Fees, exercise an incremental
            license or incremental licenses for claims processing of additional
            [*] encounter files per month ["License Extension(s)"] by paying to
            MPOWER an additional license fee ("License Extension Fee") as shown
            on Exhibit C hereto for each such License Extension.

            The Initial License Fee and the License Extension Fee(s) may be
            referred to as the License Fee(s).

            The License Extension Fees will be billed and paid in accordance
            with the terms and conditions outlined in this Agreement.

      B.    Annual Maintenance Fees.

            Customer agrees to pay to MPOWER for the software maintenance
            services described above a software maintenance fee ("Maintenance
            Fee") equal to eighteen percent (18%) of the aggregate of the
            Initial License Fee and all License Fee Extensions paid or payable
            by Customer to MPOWER.

            Extended Support Services described in Section V.D above will be
            provided by MPOWER to Customer at no additional charge to the
            aforementioned Maintenance Fee during the first year of maintenance.
            Subsequent to the first year of maintenance, the fee for Extended
            Support Services will be seven thousand five hundred ($7,500.00)
            Dollars per month. Any such annual increases in Extended Support
            Service fees shall not exceed the CPI. Customer may elect not to
            renew Extended Support Services pursuant to the notification
            procedure outlined in Section V above.

            The annual Maintenance Fee is due and payable as follows: the first
            annual Maintenance Fee shall be due and payable upon the occurrence
            of Final Acceptance as indicated in Exhibit A hereto.

            Each subsequent annual Maintenance Fee shall be billed and due
            annually, based on the anniversary date of the first annual
            Maintenance Fee due date. MPOWER will invoice Customer on an annual
            basis for the maintenance fee. Customer agrees to pay such invoices
            within thirty (30) days after Customer's receipt of the invoice.

* Confidential Treatment Requested

                                  Page 27 of 43
<PAGE>   28
            Maintenance Fees Payment Schedule is outlined in Exhibit D to this
            Attachment.

      C.    Implementation Fees.

            As outlined in Section VI above, MPOWER will provide set-up,
            implementation, interface development, programming modifications,
            training and installation services based upon the functional
            requirements forwarded by Customer on [*], as seen in Exhibit I, and
            furthermore defined on [*], as seen in Exhibit J, in anticipation of
            meeting a target operational live date of [*]. A sample New Account
            Implementation Workplan Schedule is provided in Exhibit K. The
            activities and sequence of events depicted in this template may be
            modified as necessary according to the requirements of the project.

            The Implementation Fee of One Hundred Thousand Dollars ($100,000)
            will be payable as outlined in the schedule provided in Exhibit E.

      D.    Travel and out of pocket expenses.

            The fees set out above do not include travel and other out-of-pocket
            expenses which may be incurred by MPOWER in the course of delivering
            the products and services described in this Attachment. MPOWER shall
            use all its reasonable efforts to keep these travel and other
            out-of-pocket expenses to a minimum. MPOWER will invoice Customer
            for MPOWER's actual travel and out of pocket expenses on a monthly
            basis, as they are incurred, and Customer agrees to pay such
            invoices within thirty (30) days after receipt of the invoice, which
            shall provide reasonably sufficient detail, as required by Customer.

      E.    Other Services

            Customer may request and MPOWER may perform other services ("Other
            Services") for Customer, which services shall be described in a Work
            Order, which shall be considered an addendum to this Agreement and
            covered under the terms of this Agreement, unless stated otherwise
            in the applicable Work Order. The Service Fee rate in effect through
            calendar year 1999 is [*] ($[*]) dollars per hour. Any such
            increases in Service Fee rates beyond 1999 shall not exceed the CPI.

      F.    Additional Training Sessions

            Customer may request and MPOWER may perform additional training
            sessions beyond the scope of the aforementioned initial End User
            training,

* Confidential Treatment Requested

                                  Page 28 of 43
<PAGE>   29
            as described in Section VII of this Attachment. Additional training
            services shall be described in a Work Order, which shall be
            considered an addendum to this Agreement and covered under the terms
            of this Agreement, unless stated otherwise in the applicable Work
            Order. The rate in effect for additional training services through
            calendar year 1999 is [*] ($[*]) dollars per day. Customer may
            include as many of its personnel in such sessions as may reasonably
            be accommodated within a classroom environment. Any such increases
            in additional training session rates beyond 1999 shall not exceed
            the CPI.

IX.   THIRD PARTY PRODUCTS

      Customer has the option to utilize Third Party Products with MPOWER(R) as
      outlined in Exhibit B.

X.    ACCEPTANCE

      As soon as practicable after completion of preliminary testing, Customer
      shall begin using MPOWER(R) in a simulated processing environment using
      Customer's data. MPOWER(R) shall be deemed fully accepted ("Final
      Acceptance") upon the conclusion of any consecutive five (5) day period in
      which the MPOWER(R) functions in simulated processing mode without any
      Severity 1 program errors, as described in Exhibit G hereto. Customer
      shall execute a Certificate of Acceptance (Exhibit A), which shall be
      attached hereto and made a part of this Agreement. The date shown on the
      Certificate of Acceptance will be the beginning date of any warranty or
      maintenance periods provided for in this Agreement or any Exhibit hereto.
      Notwithstanding the above, MPOWER(R) shall be deemed fully accepted upon
      the earlier to occur of the date of the Certificate of Acceptance or the
      placement of MPOWER(R) in a Live Production Environment.

XI.   ADDITIONAL TERMS AND CONDITIONS

      In addition to the terms and conditions of this Attachment, the parties
      agree that all the terms and conditions of the Master Agreement shall also
      apply to Customer's use of MPOWER(R). Should any terms or conditions of
      this Attachment and the Master Agreement conflict, the terms and
      conditions of this Attachment shall take precedence. Should any terms or
      conditions of an applicable Work Order and this Attachment or the Master
      Agreement conflict, the terms and conditions of the applicable Work Order
      shall take precedence.

* Confidential Treatment Requested

                                  Page 29 of 43
<PAGE>   30
      The parties have each read this Attachment and agree to be bound by all of
      its provisions. The parties further agree that this Attachment (including
      its Exhibits) and the Master Agreement constitute the complete and
      exclusive statement of the agreement between the parties regarding
      MPOWER(R) and supersedes any and all prior agreements and understandings
      between them pertaining to MPOWER(R) and takes precedence over the
      provisions of any purchase orders submitted to MPOWER by Customer. This
      Attachment may be amended only in writing signed by both parties.

QUEST DIAGNOSTICS INCORPORATED               MPOWER SOLUTIONS INC.
("CUSTOMER")                                 ("MPOWER")

BY: /s/ GERALD C. MARRONE                    BY: /s/ MARK S. RANGELL
    -----------------------------                -------------------------------
    SIGNATURE OF AUTHORIZED                      SIGNATURE OF AUTHORIZED
    SIGNATORY                                    SIGNATORY

Gerald C. Marrone                            Mark S. Rangell
--------------------------------             -----------------------------------
NAME PRINTED                                 NAME PRINTED

SENIOR VICE PRESIDENT                        SENIOR VICE PRESIDENT
--------------------------------             -----------------------------------
TITLE                                        TITLE

8/24/98                                      8/12/98
--------------------------------             -----------------------------------
DATE                                         DATE

                                  Page 30 of 43
<PAGE>   31
                                   EXHIBIT A

                          FINAL ACCEPTANCE CERTIFICATE

Customer hereby acknowledges and MPOWER Solutions Inc. hereby accepts that
MPOWER(R) has been accepted by Customer per the date noted below. This will be
the basis for the beginning of any warranty or maintenance periods provided for
in this Agreement or any Exhibit hereto.

Date of Final Acceptance
                          ------------

Accepted by Customer:                      Accepted by MPOWER:

QUEST DIAGNOSTICS INCORPORATED             MPOWER SOLUTIONS INC.

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

Name (Printed):                            Name (Printed):
               -----------------                          ----------------------

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

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

                                 Page 31 of 43
<PAGE>   32
                                    EXHIBIT B

                            NOT CURRENTLY APPLICABLE.

                                 Page 32 of 43
<PAGE>   33
                                    EXHIBIT C

           MPOWER(R) LICENSE FEE PAYMENT SCHEDULE FOR THE LICENSE FEES

      Refer to Section VII A for MPOWER(R) License terms and conditions.

License Fees will become due and payable as set forth below.

License Fees will become due and payable as set forth below. Notwithstanding
anything to the contrary in the Agreement, the obligation of Customer to License
the Software, and pay full License Fees, may be cancelled by Customer's
providing notice to MPOWER no later than [*] of Customer's intent to cancel this
Agreement. In the event that such notice is provided, Customer shall have no
further liability to MPOWER under this Agreement, unless Customer exercises the
option to renew its rights under this Agreement by providing notice of its
intent to do so no later than [*]. In the event that Customer provides notice of
cancellation, Customer will forfeit any and all fees paid to MPOWER prior to
notice of cancellation, as well as pay any outstanding fees identified in
Section VIII of the Attachment I of the Agreement for services already performed
prior to MPOWER's receipt of notice of cancellation, in addition to $22,500
which is half of the First Year Annual Maintenance Fee (per Exh D). The $22,500
will be applied to the First Year Annual Maintenance Fee in the event that
Customer renews its rights under the Agreement by December 31, 1998.

<TABLE>
<CAPTION>
                                           EXPECTED            PERCENTAGE       AMOUNT
PAYMENT TRIGGERING EVENT                   TIMEFRAME               DUE           DUE
------------------------------           --------------        ----------    -------------
<S>                                      <C>                   <C>           <C>
Contract Execution                       [*]                   [*]            [*]
Customer Installation                    [*]                   [*]            [*]
Completion of Acceptance Test            [*]                   [*]            [*]

Optional License Extension               Indeterminate            [*]%            Per
                                         Future (if and         (Optional)      Schedule
                                         when business                         (Optional)
                                         need dictates)

License Extension Fee(s):

-  Increments of clams processing
   for up to [*] encounter
   files/month                                                               $ 80,000
</TABLE>

In the event that Customer provides notice of its intent to cancel this
Agreement,

* Confidential Treatment Requested

                                 Page 33 of 43
<PAGE>   34
Customer shall have the option to renew its rights hereunder by providing notice
of same to MPOWER by December 31, 1998. If Customer renews its rights hereunder
the fees previously paid and forfeited shall be applied to the Agreement as if
there had been no temporary cancellation of this Agreement.

                                  Page 34 of 43
<PAGE>   35
                                    EXHIBIT D

                 MPOWER ANNUAL MAINTENANCE FEE PAYMENT SCHEDULE

MPOWER billing and Customer paying of Annual Maintenance Fees is outlined in
Section VIII B. Refer to Section VIII B for on-going and MPOWER Annual
Maintenance Fee terms and conditions.

<TABLE>
<CAPTION>
PAYMENT                  ESTIMATED                                          ESTIMATED
TRIGGERING               TIMEFRAME      PERCENTAGE DUE                      AMOUNT DUE
----------               ---------      --------------                      ----------
<S>                      <C>            <C>                                 <C>
Final Acceptance         [*]            100% of First Year Annual           $45,000
                                        Maintenance Fee

First and                Annually       100% of Annual Maintenance          18% of Total
Subsequent               Thereafter     Fee                                 License Fee
Anniversaries of
Acceptance

Extended Support         Annually       n/a                                 $7,500 per month
Services                 Thereafter                                         (Optional)
</TABLE>

* Confidential Treatment Requested

                                 Page 35 of 43
<PAGE>   36
                                    EXHIBIT E

               MPOWER INITIAL IMPLEMENTATION FEE PAYMENT SCHEDULE

MPOWER billing and Customer payment of Implementation Fees are outlined in
Section VIII C. Refer to Section VIII C. for Terms and Conditions.

<TABLE>
<CAPTION>
PAYMENT                  ESTIMATED          PERCENTAGE         ESTIMATED
TRIGGERING EVENT         TIMEFRAME             DUE             AMOUNT DUE
-------------------      --------------     ----------         ----------
<S>                      <C>                <C>                <C>
Contract Execution       [*]                   60%              $60,000
Customer
Installation             [*]                   20%              $20,000
Completion of
Acceptance Test          [*]                   20%              $20,000
</TABLE>

* Confidential Treatment Requested

                                  Page 36 of 43
<PAGE>   37
                                    EXHIBIT F

                          MODULES INCLUDED IN MPOWER(R)

All modules are included by MPOWER and comprise MPOWER(R) as of the date of this
Attachment:

-   Set-ups

-   Group Enrollment & Contracting

-   Premium Billing & Accounts Receivable

-   Member / Subscriber Enrollment

-   Provider Contracting

-   Capitation

-   Claims Adjudication for UB92 / HCFA 1500 Claims

-   Certifications / Authorizations

-   Customer Service

-   Letter Generation

-   Medicare Risk

-   Medicaid Processing

-   Ad Hoc Reporting

                                  Page 37 of 43
<PAGE>   38
                                    EXHIBIT G

                   SEVERITY DEFINITIONS AND RESOLUTION PROCESS

-     SEVERITY 1.

            The problem causes complete loss of service in the production and
      staging environment and work cannot reasonably continue. The problem or
      defect has one or more of the following characteristics:

      >     Data corruption. Physical or logical data is unavailable or
            incorrect.
            Examples: Block format corruption, invalid indices, corruption of
            meta-data, incorrect results.

      >     Critical functionality is not available.

      >     System hangs. The process hangs indefinitely or there is severe
            performance degradation, causing unreasonable waits for resources or
            response, as if the system is hanging,

      >     The entire MPOWER application crashes repeatedly.

      >     Database process or background processes fail and continue to fail
            after restart attempts.

      >     Potential for above occurrences is defined imminent.

      RESOLUTION OF SEVERITY 1: Until the issue is resolved MPOWER Solutions
      will work on Severity 1 around the clock (7x24). As a result of the
      severity, the customer must provide MPOWER with a point of contact during
      the 7x24 period. The customer's point of contact will assist the MPOWER
      customer support and development staff in gathering data, testing fixes in
      the customer's testing legion, and applying fixes to the customer
      production environment.

-     SEVERITY 2:

            Problem or product defect causes a severe impact on the customer's
      business regardless of customer environment. No workaround is available,
      however operations can continue in a restricted fashion. The problem or
      defect has one or more of the following characteristics:

      >     Business Impact Examples: The customer can handle current volume,
            but will not be able to handle quarter close; At close, customer
            finds totals wrong, but close is not for a few weeks.

      >     Internal software error, causing the application to fail to run to
            completion, or return wrong results, or software error severely
            degrades performance.

      >     Some important functionality is unavailable, yet the system can
            continue to operate in a restricted fashion.

      >     Potential for above occurrences is defined imminent.

      RESOLUTION OF SEVERITY 2: MPOWER Solutions will work on Severity 2 bug
      based on customer assigned priority. Severity 2 fixes will be added in the
      next scheduled maintenance or patch release.

                                  Page 38 of 43

<PAGE>   39
-     SEVERITY 3.

            Problem or product defect causes minimal impact on the Customer's
      business. The impact of the problem or defect is minor or an
      inconvenience, such as a manual bypass to restore product functionality.
      The problem or defect has one or more of the following characteristics:

      >     A software error for which there is an acceptable workaround.

      >     Software error minimally degrades performance.

      >     Software error or incorrect behavior has minor impact the operation
            of the system.

      RESOLUTION OF SEVERITY 3: Fixes for severity 3 bugs will be added to the
      priority list for the next major scheduled release of the product. The
      order of priority for resolving severity 3 issues will be assigned jointly
      by the Customer and MPOWER.

-     SEVERITY 4.

      The problem or product defect causes NO impact on the Customer's business.
      The problem or defect is a minor error, incorrect behavior, or a
      documentation error that in no way impedes the operation of a system.

      RESOLUTION OF SEVERITY 4: Fixes for severity 4 bugs will be added to the
      priority list for the next major scheduled release of the product. The
      order of priority for resolving severity 4 issues will be assigned jointly
      by the Customer and MPOWER.

                                  Page 39 of 43
<PAGE>   40
                                    EXHIBIT H

                       PRE-REQUISITE HARDWARE AND SOFTWARE
                  FOR THE RELEASE OF MPOWER(R) ON AN NT SERVER

Products required:

For the NT Server are

      1.)   IBM'S TRANSACTION SERVER FOR WINDOWS NT VERSION 4.02

      2.)   MICROFOCUS'S COBOL VERSION 4.0.32.

      3.)   IBM'S UDB UNIVERSAL DEVELOPERS EDITION FOR NT VERSION 5.0

For an NT Client (PC running either Win95 or NT - 32bit OS):

      1.)   MULTISOFT'S WCL TOOLKIT VERSION 5.0 32BIT - WCL is the communication
            interface product that passes data from a 3270 emulator to VB.

      2.)   WALL DATA'S RUMBA FOR THE MAINFRAME WIN95/NT CLIENT VERSION 5.2 -
            Rumba provides 3270-comparable connectivity to a host computer.

      3.)   IBM'S UDB CLIENT SETUP VERSION 5.0 - Allows for ODBC connectivity to
            back end databases.

For the client to communicate with the server:

      Communication protocol is via TCP/IP, so the clients need to networked, 32
      bit OS, PCs. The server machine should have at least the hardware
      recommended by Microsoft for running the NT 4.0 Server operating system
      attached to the network.

                                  Page 40 of 43
<PAGE>   41
                                    EXHIBIT I

                        CUSTOMER FUNCTIONAL REQUIREMENTS
                        (AS COMMUNICATED ON MAY 5, 1998)

[Two page "Requirements" document to follow]

                                  Page 41 of 43
<PAGE>   42
                                    EXHIBIT J

                        CUSTOMER FUNCTIONAL REQUIREMENTS
                       (AS COMMUNICATED ON JULY 24, 1998)

[Three Page "Functional Analysis Grid" to follow]

                                  Page 42 of 43
<PAGE>   43
                                    EXHIBIT K

              NEW ACCOUNT IMPLEMENTATION WORKPLAN SCHEDULE (SAMPLE)

[Twenty Page "Client Implementation Schedule.xls" to follow]

                                  Page 43 of 43<PAGE>   1
                                                                   EXHIBIT 10.33

ORACLE
                     SOFTWARE LICENSE AND SERVICES AGREEMENT

This Software License and Services Agreement ("Agreement") is between Oracle
Corporation ("Oracle") and the Customer identified below. The terms of this
Agreement shall apply to each Program license granted and to all services
provided by Oracle under this Agreement, which will be identified on one or more
Order Forms.

I.         DEFINITIONS

1.1.       "Program" means the software in object code form distributed by
           Oracle for which Customer is granted a license pursuant to this
           Agreement, and the media, Documentation and Updates therefor.

1.2.       "Documentation" means the user guides and manuals for installation
           and use of the Program software. Documentation is provided in
           whatever form is generally available.

1.3.       "Update" means a subsequent release of the Program which Oracle
           generally makes available for Program licenses at no additional
           license fee other than media and handling charges, provided Customer
           has ordered Technical Support for such licenses for the relevant time
           period. Update shall not include any release, option or future
           product which Oracle licenses separately.

1.4.       "Order Form" means the document in hard copy or electronic form by
           which Customer orders Program licenses and services, and which is
           agreed to by the parties. The Order Form shall reference the
           Effective Date of this Agreement.

1.5.       "Designated System" means the computer hardware and operating system
           designated on the relevant Order Form.

1.6.       "Technical Support" means Program support provided under Oracle's
           policies in effect on the date Technical Support is ordered.

1.7.       "Commencement Date" means the date on which the Programs are
           delivered by Oracle to Customer, or if no delivery is necessary, the
           Effective Date set forth on the relevant Order Form.

1.6.       "Services" means Technical Support, training, or
           consulting services provided by Oracle to Customer
           under this Agreement.

II.        PROGRAM LICENSE

2.1.       Rights Granted

           A.  Oracle grants to Customer a nonexclusive license to use the
               Programs specified on an Order Form under this Agreement as of
               the Commencement Date, as follows:

               i    to use the Programs solely for Customer's operations on the
                    Designated System or on a backup system if the Designated
                    System is inoperative, consistent with the use limitation,
                    specified or referenced in this Agreement, an Order Form, or
                    the Documentation. Customer may not relicense, rent or lease
                    the Programs or use the Programs for third-party training,
                    commercial time-sharing or service bureau use;

               ii.  to use the Documentation provided with the Programs in
                    support of Customer's authorized use of the Programs;

               iii. to copy the Programs for archival or backup purposes, and to
                    make a sufficient number of copies for the use specified in
                    the Order Form. All titles, trademarks, and copyright and
                    restricted rights notices shall be reproduced in such
                    copies:

               iv.  to modify the Programs and combine them with other software
                    products; and

               v.   to allow third parties to use the Programs for Customer's
                    operations so long as Customer ensures that use of the
                    Programs is in accordance with the terms of this Agreement.

               Customer shall not copy or use the Programs (including the
               Documentation) except as specified in this Agreement or an Order
               Form. Customer shall have no right to use any other software
               program that may be delivered with ordered Programs.

           B.  Customer agrees not to cause or permit the reverse engineering,
               disassembly or decompilation of the Programs, except to the
               extent required to obtain interoperability with other
               independently created software or as specified by law.

           C.  Oracle shall retain all title, copyright and other proprietary
               rights in the Programs. Customer does not acquire any rights,
               express or implied in the Programs, other than those specified in
               this Agreement.

2.2.       Transfer and Assignment

           A.  Customer may transfer a Program license within its organization
               upon notice to Oracle; transfers are subject to the terms and
               fees

<PAGE>   2

               specified in Oracle's transfer in effect at the time of the
               transfer

           B.  Customer may not assign this Agreement or transfer a Program
               License to a legal entity separate from Customer without the
               prior written consent of Oracle. Oracle shall not unreasonably
               withhold or delay such consent.

2.2.       Verification

           At Oracle's written request, not more frequently than annually,
           Customer shall furnish Oracle with a signed certification verifying
           that the Programs are being used pursuant to the provisions of this
           Agreement and applicable Order Forms

           Oracle may audit Customer's use of the Programs. Any such audit shall
           be conducted during regular business hours at Customer's facilities
           and shall not unreasonably interfere with Customer's business
           activities. If an audit reveals that Customer has Underpaid fees to
           Oracle, Customer shall be invoiced for such underpaid fees. Audits
           shall be conducted no more than once annually.

III.       TECHNICAL SERVICES

3.1.       Technical Support Services

           Technical Support services ordered by Customer will be provided under
           Oracle's Technical Support policies in effect on the date Technical
           Support is ordered.

3.2.       Consulting and Training Services

           Oracle will provide consulting and training services agreed to by the
           parties under the terms of this Agreement. All consulting services
           shall be billed on a time and materials basis unless the parties
           expressly agree otherwise in writing.

3.3.       Incidental Expenses

           For any on-site services requested by Customer, Customer shall
           reimburse Oracle for actual, reasonable travel and out-of-pocket
           expenses incurred.

IV.        TERM AND TERMINATION

4.1.       Term

           If not otherwise specified on the Order Form, this Agreement and each
           Program license granted under this Agreement shall continue
           perpetually unless terminated under this Article IV.

4.2.       Termination by Customer

           Customer may terminate any Program license at any time; however,
           termination shall not relieve Customer's obligations specified in
           Section 4.4.

4.3.       Termination by Oracle

           Oracle may terminate this Agreement or any license upon written
           notice if Customer materially breaches this Agreement and fails to
           correct the breach within 30 days following notice specifying the
           breach.

4.4.       Effect of Termination

           Termination of the Agreement or any license shall not limit either
           party from pursuing other remedies available to it, including
           injunctive relief, nor shall such termination relieve Customer's
           obligation to pay all fees that have accrued or are otherwise owed by
           Customer under any Order Form. The parties' rights and obligations
           under Sections 2.1.B, 2.1.C, and 2.2.B, and Articles IV, V, VI and
           VII shall survive termination of this Agreement. Upon termination,
           Customer shall cease using, and shall return or destroy, all copies
           of the applicable Programs.

V.         INDEMNITY, WARRANTIES, REMEDIES

5.1.       Infringement Indemnity

           Oracle will defend and indemnify Customer against a claim that the
           Programs infringe a copyright or patent or other intellectual
           property right, provided that: (a) Customer notifies Oracle in
           writing within 30 days of the claim; (b) Oracle has sole control of
           the defense and all related settlement negotiations; and (c) Customer
           provides Oracle with the assistance, information and authority
           necessary to perform Oracle's obligations under this Section. Oracle
           will reimburse Customer's reasonable out-of-pocket expenses incurred
           in providing such assistance. Oracle shall have no liability for any
           claim of infringement based on use of a superseded or altered release
           of Programs if the infringement would have been avoided by the use of
           a current unaltered release of the Programs which Oracle provided to
           Customer.

           If the Programs are held or are believed by Oracle to infringe,
           Oracle shall have the option, at its expense to (a) modify the
           Programs to be noninfringing; or (b) obtain for Customer a license to
           continue using the Programs. If it is not commercially reasonable to
           perform either of the above options, then Oracle may terminate the
           license for the infringing Programs and refund license fees paid for
           those Programs. This Section 5.1 shares Oracle's entire liability and
           Customer's exclusive remedy for infringement.

5.2.       Warranties and Disclaimers

A.         Program Warranty

           Oracle warrants for a period of one year from the Commencement Date
           that each unmodified Program will perform the functions described in
           the Documentation.

B.         Media Warranty

           Oracle warrants the tapes, diskettes or other media to be free of
           defects in materials and workmanship under normal use for 90 days
           from the Commencement Date.

<PAGE>   3

           C.  Services Warranty

               Oracle warrants that its Technical Support, training and
               consulting services will be performed consistent with generally
               accepted industry standards. This warranty shall be valid for 90
               days from performance of service.

           D.  Disclaimers

               THE WARRANTIES ABOVE ARE EXCLUSIVE AND IN LIEU OF ALL OTHER
               WARRANTIES. WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED
               WARRANTIES OP MERCHANTABILITY AND FITNESS FOR A PARTICULAR
               PURPOSE.

               Oracle does not warrant that the Programs will operate in
               combinations other than as specified in the Documentation or that
               the operation of the Programs will be uninterrupted or
               error-free. Pro-production release of Programs and computer-based
               training products are distributed "AS IS."

6.3.       Exclusive Remedies

           For any breach of the warranties contained in Section 5.2, Customer's
           exclusive remedy, and Oracle's entire liability, shall be:

           A.  For programs

               The correction of Program errors that cause breach of the
               warranty, or if Oracle is unable to make the Program operate as
               warranted. Customer shall be entitled to terminate the Program
               license and recover the fees paid to Oracle for the Program
               license.

           B.  For Media

               The replacement of defective media returned within 90 days of the
               Commencement Date.

           C.  For Services

               The reperformance of the services, or if Oracle is unable to
               perform the services as warranted, Customer shall be entitled to
               recover the fees paid to Oracle for the unsatisfactory services.

VI.        PAYMENT PROVISIONS

6.1.       Invoicing and Payment

           All fees shall be due and payable 30 days from the invoice date.
           Customer agrees to pay applicable media and shipping charges.
           Customer shall issue a purchase order, or alternative document
           acceptable to Oracle, on or before the Effective Date of the
           applicable Order Form.

6.2.       Taxes

           The fees listed in this Agreement do not include taxes; if Oracle is
           required to pay sales, use, property, value-added or other taxes
           based on the licenses or services granted in this Agreement or on
           Customer's use of Programs or services, then such taxes shall be
           billed to and paid by Customer. This Section shall not apply to taxes
           based on Oracle's income.

VII.       GENERAL TERMS

7.1.       Nondisclosure

           By virtue of this Agreement, the parties may have access to
           information that is confidential to one another ("Confidential
           information"). Confidential information shall be limited to the
           Programs, the terms and pricing under this Agreement, and all
           information clearly identified as confidential.

           A party's Confidential Information shall not include information
           that: (a) is or becomes a part of the public domain through no act or
           omission of the other party; (b) was in the other party's lawful
           possession prior to the disclosure and had not been obtained by the
           other party either directly or indirectly from the disclosing party;
           (c) is lawfully disclosed to the other party by a third party without
           restriction on disclosure; or (d) is independently developed by the
           other party. Customer shall not disclose the results of any benchmark
           tests of the Programs to any third party without Oracle's prior
           written approval.

           The parties agree to hold each other's Confidential information in
           confidence during the term of this Agreement and for a period of two
           years after termination of this Agreement. The parties agree, unless
           required by law, not to make each other's Confidential Information
           available in any form to any third party for any purpose other than
           the implementation of this Agreement. Each party agrees to take all
           reasonable steps to ensure that Confidential Information is not
           disclosed or distributed by its employees or agents in violation of
           the terms of this Agreement.

7.2.       Governing Law

           This Agreement, and all matters arising out of or relating to this
           Agreement, shall be governed by the laws of the State of California.

7.3.       Jurisdiction

           Any legal action or proceeding relating to this Agreement shall be
           instituted in a state or federal court in San Francisco or San Mateo
           County, California. Oracle and Customer agree to submit to the
           jurisdiction of, and agree that venue is proper in, these courts in
           any such legal action or proceeding.

7.4.       Notice

           All notices, including notices of address change, required to be sent
           hereunder shall be in writing and shall be deemed to have been given
           when mailed by first class mail to the first address listed in the
           relevant Order Form (if to Customer) or to the Oracle address on the
           Order Form (if to Oracle).

           To expedite order processing, Customer agrees that Oracle may treat
           documents faxed by Customer to Oracle as original documents;

<PAGE>   4

           nevertheless, either party may require the other to exchange original
           signed documents.

7.5.       Limitation of Liability

           In no event shall either party be liable for any indirect,
           incidental, special or consequential damages, or damages for less of
           profits, revenue, data or use, incurred by either party or any third
           party, whether in an action in contract or tort, even if the other
           party has been advised of due possibility of such damages. Oracle's
           liability for damages hereunder shall in no event exceed the amount
           of fees paid by Customer Under this Agreement and if such damages
           result from Customer's use of the program or services, such liability
           shall be limited to fees paid for the relevant Program or services
           giving rise to the liability.

           The provisions of this Agreement allocate the risks between Oracle
           and Customer. Oracle's pricing reflects this allocation of risk and
           the limitation of liability specified herein.

7.6.       Severability

           If any provision of this Agreement is held to be invalid or
           unenforceable, the remaining provisions of this Agreement will remain
           in full force.

7.7.       Waiver

           The waiver by either party of any default or breach of this Agreement
           shall not constitute a waiver of any other or subsequent default or
           broach. Except for actions for nonpayment or breach of Oracle's
           proprietary rights in the Programs, no action, regardless of form,
           arising out of this Agreement may be brought by either party more
           than two years after the cause of action has accrued.

7.8.       Export Administration

           Customer agrees to comply fully with all relevant export laws and
           regulations of the United States ("Export Laws") to assure that
           neither the Programs nor any direct product thereof are (1) exported.
           directly or indirectly, in violation of Export Laws; or (2) are
           intended to be used for any purposes prohibited by the Export Laws,
           including, without limitation, nuclear, chemical, or biological
           weapons proliferation.

7.9.       Entire Agreement

           This Agreement constitutes the complete agreement between the parties
           and supercedes all prior or contemporaneous agreements or
           representations, written or oral, concerning the subject matter of
           this Agreement. This Agreement may not be modified or amended except
           in a writing signed by a duly authorized representative of each
           party; no other act, document, usage or custom shall be deemed to
           amend or modify this Agreement.

           It is expressly agreed that the terms of this Agreement and any Order
           Form shall supersede the terms in any Customer purchase order or
           other ordering document. This Agreement shall also supersede all
           terms of any unsigned or "shrinkwrap" license included in any
           package, media, or electronic version of Oracle-furnished software
           and any such software shall be licensed under the terms of this
           Agreement, provided that the use limitations contained in an unsigned
           ordering document shall be effective for the specified licenses.

The Effective Date of this Agreement shall be October 25, 1999

EXECUTED BY CUSTOMER:

Authorized Signature: /s/ PETER H. CHEESBROUGH
                      -------------------------------------
Name:   PETER H. CHEESBROUGH
     ------------------------------------------------------
Title:    SR. V.P. FINANCE & CFO
      -----------------------------------------------------
Address: 6400 South Fiddler's Green Circle,
         Suite 560, Englewood, CO 80111
         --------------------------------------------------

EXECUTED BY ORACLE CORPORATION:

Authorized Signature:
                      -------------------------------------
Name:
     ------------------------------------------------------
Title:
      -----------------------------------------------------
Address: 500 Oracle Parkway, Redwood City, CA
         --------------------------------------------------

ORACLE IS A REGISTERED TRADEMARK OF ORACLE CORPORATION

<PAGE>   5
                                                                Payment Schedule
                                                          (Oracle Product) No. 1

<TABLE>
<S>                                                         <C>
Customer: xCare.net Technologies, Inc.                      EXECUTED BY CUSTOMER (AUTHORIZED SIGNATURE):
          ------------------------------------------
                                                            By:    /s/ PETER H. CHEESBROUGH
          ------------------------------------------               ------------------------------------------
Address:  6400 S. Fiddlers Green Circle, Ste 540            Name:  PETER H. CHEESBROUGH
          ------------------------------------------               ------------------------------------------
          Englewood, CO 80111                               Title: SR. V.P. FINANCE & CFO
          ------------------------------------------               ------------------------------------------
Contact:
          ------------------------------------------        EXECUTED BY ORACLE CREDIT CORPORATION:
Phone:    303-488-2019
          ------------------------------------------        By:
Order:                   dated                                     ------------------------------------------
          ------------------------------------------        Name:
Agreement:               dated                                     ------------------------------------------
          ------------------------------------------        Title:
PPA No.:                 dated                                     ------------------------------------------
          ------------------------------------------

          ------------------------------------------        Payment Schedule Effective Date:
                                                                                            -----------------

SYSTEM                                                      Payment Schedule
                                                            Payment Amount                Due Date:
Software:                           $139,735.75             1   @ $ 59,142                Due at signing
             ----------------------------------             4 Q @  548,297                01-Jan-00 thru 01-OCT-00
Support:                              96,832.00 One Year
             ----------------------------------
Education:
             ----------------------------------             One payment followed by four (4) quarterly payments
Consulting:                                                 due at set forth above
             ----------------------------------
Other:
             ----------------------------------
System Price:                       $236,567.75
             ----------------------------------
</TABLE>

Optional (If this box is checked):

           Customer has ordered the System from an alliance member/agent of
Oracle Corporation, whose name and address are specified below. Customer shall
provide ("OCC") with a copy of such Order. The System shall be directly licensed
or provided by the Supplier specified in the applicable Order and Agreement,
each of which shall be considered a separate contract. Customer has entered into
the Order and Agreement based upon its own judgment, and expressly disclaims any
reliance upon statements made by OCC about the System, if any. Customer's rights
with respect to the System are as set forth in the applicable Order and
Agreement and Customer shall have no right to make any claims under such Order
and Agreement against OCC or its Assignee. Neither Supplier nor any alliance
member/agent is authorized to waive or alter any term or condition of this
Contract. If within ten days of the Payment Schedule Effective Date, OCC is
provided with Customer invoices for the System specifying applicable Taxes, then
OCC may add the applicable Taxes in accordance with this Contract.

      Alliance Member/Agent:
                            ----------------------------------------------------
      Address:
                            ----------------------------------------------------
      Contact:                                    Phone:
                            ----------------------      ------------------------

This Payment Schedule is entered into by Customer and Oracle Credit Corporation
("OCC") for the acquisition of the System from Oracle Corporation. an alliance
member/agent of Oracle Corporation or any other party providing any portion of
the System ("Supplier"). This Payment Schedule Incorporates by reference the
terms and conditions of the above-referenced Payment Plan Agreement ("PPA") to
create a separate Contract ("Contract").

A. PAYMENTS: This Contract shall replace Customer's payment obligation under the
Order and Agreement to Supplier, to the extent of the System Price listed above,
upon Customer's delivery of a fully executed Order, Agreement. PPA, Payment
Schedule, and any other documentation required by OCC, and execution of the
Contract by OCC. Customer agrees that OCC may add the applicable Taxes due on
the System Price to each Payment Amount based on the applicable tax rate
invoiced by Supplier at shipment. OCC may adjust subsequent Payment Amounts to
reflect any change or correction in Taxes due. If the System Price includes
support fees for a support period that begins after the first support period,
such future support fees and the then relevant Taxes will be paid to Supplier as
invoiced in the applicable support period from the Payment Amounts received in
that parted. The balance of each Payment Amount, unless otherwise stated,
includes a proportional amount of the remaining components of the System Price
excluding such future support fees, if any.

B. SYSTEM: Software shall be accepted and the services shall be deemed ordered
pursuant to the terms of the Agreement. Customer agrees that any software
acquired from Supplier to replace any part of the System shall be subject to the
terms of the Contract. Any claims related to the performance of any component of
the System shall be made pursuant to the Order and Agreement. Neither OCC nor
Assignee shall be responsible to Customer for any claim or liability pertaining
to any performance, actions, warranties or statements of Supplier.

C. ADMINISTRATIVE: Customer agrees that OCC or its Assignee may treat executed
faxes or photocopies delivered to OCC as original documents; however, Customer
agrees to deliver original signed documents if requested. Customer agrees that
OCC may insert the appropriate administrative information to complete this form.
OCC will provide a copy of the final Contract upon request.

* Confidential Treatment Requested
<PAGE>   6
ORACLE CREDIT CORPORATION                                 PAYMENT PLAN AGREEMENT

<TABLE>
<S>                                                         <C>
Customer:      xCare.net Technologies, Inc.                 EXECUTED BY CUSTOMER (AUTHORIZED SIGNATURE):
               --------------------------------------
                                                            By:    /s/ Peter H. Cheesbrough
               --------------------------------------              -------------------------------------------
Address:       6400 S. Fiddlers Green Circle, Ste 540       Name:
               --------------------------------------              ------------------------------------------
               Englewood, CO 80111                          Title:
               -------------------------------------               ------------------------------------------
Phone:         303-488-2019
               -------------------------------------        EXECUTED BY ORACLE CREDIT CORPORATION:
PPA No.:
               -------------------------------------        By:
Effective Date:                                                    ------------------------------------------
               -------------------------------------        Name:
                                                                   ------------------------------------------
                                                            Title:
                                                                   ------------------------------------------
</TABLE>

The payment Plan Agreement ("PPA") is entered into by Customer and Oracle Credit
Corporation ("OCC") to provide for the payment of the System Price specified in
a Payment Schedule on an installment basis. The System (as defined below) is
being acquired from Oracle Corporation, an alliance member/agent of Oracle
Corporation or any other party providing any portion of the System ("Supplier").
Each Payment Schedule shall specify the Software and other products and
services, which items together with any upgrade, transfer, substitution, or
replacement thereof, shall comprise the "System." Each Payment Schedule shall
incorporate the terms and conditions of the PPA to form a "Contract," and the
System specified therein shall be subject to the terms and conditions of such
Contract. The System shall be licensed or provided to Customer directly by
supplier pursuant to the terms of the Order and Agreement specified in the
Contract. Except as provided under the Contract, Customer's rights and remedies
under the Order and Agreement, including Supplier's warranty and refund
provisions, shall not be affected.

1. PAYMENT SCHEDULE: Customer agrees to pay OCC the Payment Amounts in
accordance with the Contract, with each payment due and payable on the
applicable Due Date. If full payment of each Payment Amount and other amounts
payable is not received by OCC within 10 days of each Due Date, Customer agrees
to pay to OCC interest on the overdue amount at the rate equal to the lesser of
one and one-half percent (1.5%) per month, or the maximum amount allowed by law.
Unless stated otherwise, Payment Amounts exclude any applicable sales, use,
property or any other tax allocable to the System, Agreement or Contract
("Taxes"). Any amounts or any Taxes payable under the Agreement which are not
added to the Payment Amounts due under the Contract are due and payable by
Customer, and Customer shall remain liable for any filing obligations.
Customer's obligation to remit Payment Amounts to OCC or its assignee in
accordance with the Contract is absolute, unconditional, noncancellable,
independent, and shall not be subject to any abatement, set-off, claim,
counterclaim, adjustment, reduction, or defense for any reason, including but
not limited to, any termination of any Agreement, or performance of the System.

2. ASSIGNMENT: Customer hereby consents to OCC's assignment of all or a portion
of its rights and interests in and to the Contract to third-parties
("Assignee"). OCC shall provide Customer notice thereof. Customer and OCC agree
that Assignee shall not, because of such assignment, assume any of OCC's or
Supplier's obligations to Customer. Customer shall not assert against Assignee
any claim, defense, counterclaim or setoff that Customer may have against OCC or
Supplier. Customer waives all rights to make any claim against Assignee for any
loss or damage of the System or breach of any warranty, express or implied, as
to any matter whatsoever, including but not limited to the System and service
performance, functionality, features, merchantability or fitness for a
particular purpose, or any indirect, incidental or consequential damages or loss
of business. Customer shall pay Assignee all amounts due and payable under the
Contract, but shall pursue any claims under any Agreement solely against
Supplier. Except when a Default occurs, neither OCC nor Assignee will interfere
with Customer's quiet enjoyment or use of the System in accordance with the
Agreement's terms and conditions.

3. DEFAULT; REMEDIES: Any of the following shall constitute a Default under the
Contract: (I) Customer fails to pay when due any sums due under any Contract:
(ii) Customer breaches any representation or fails to perform any obligation in
any Contract; (iii) Customer materially breaches or terminates the license
relating to the Software; (iv) Customer defaults under a material agreement with
Assignee; or (v) Customer becomes insolvent or makes an assignment for the
benefit of creditors, or a trustee or receiver is appointed for Customer or for
a substantial part of its assets, or bankruptcy, reorganization or insolvency
proceedings shall be instituted by or against Customer.

In the event of a Default that is not cured within thirty (30) days of its
occurrence, OCC may: (i) require all outstanding Payment Amounts and other sums
due and scheduled to become due (discounted at the lesser of the rate in the
Contract of five percent (5%) per annum simple interest) to become immediately
due and payable by Customer; (ii) pursue any rights provided under the
Agreement, as well as terminate all of Customer's rights to use the System and
related services, and Customer agrees to cease all use of the System; and (iii)
pursue any other rights or remedies available at law or in equity. In the event
OCC institutes any action for the enforcement of the collection of Payment
Amounts, there shall be due from Customer. In addition to the amounts due above,
all costs and expenses of such action, including reasonable attorneys' fees. No
failure or delay on the part of OCC to exercise any right or remedy hereunder
shall operate as a waiver thereof, or as a waiver of any subsequent breach. All
remedies are cumulative and not exclusive, Customer acknowledges that upon a.
default under the Contract, no party shall license, lease, transfer or use any
Software in mitigation of any damages resulting from Customer's default.

4. CUSTOMER'S REPRESENTATIONS AND COVENANTS: Customer represents that,
throughout the term of the Contract, the Contract has been duly authorized and
Constitutes a legal, valid, binding and enforceable agreement of Customer. Any
transfer or assignment of Customer's rights or obligations in the System, or
under the Agreement or the Contract shall require OCC's and Assignee's prior
written consent. A transfer shall include a change in majority ownership of
Customer. Customer agrees to promptly execute any ancillary documents and take
further actions as OCC or Assignee may reasonably request, including, but not
limited to, assignment notifications, acceptance certificates, certificates of
authorization, registrations, and filings. Customer agrees to provide copies of
Customer's balance sheet, income statement, and other financial reports as OCC
or Assignee may reasonably request.

5. MISCELLANEOUS: The Contract shall constitute the entire agreement between
Customer and OCC regarding the subject matter herein and shall supersede any
inconsistent terms set forth in the Order, Agreement or any related agreements,
Customer purchase orders and all prior oral and written understandings. If any
provision of the Contract is invalid, such invalidity shall not affect the
enforceability of the remaining terms of the Contract. Customer's obligations
under the Contract shall commence on the Effective Date specified therein.
Except for payment terms specified in the Contract, Customer remains responsible
for all the obligations under each Agreement. Each Payment Schedule, and any
changes to a Contract or any related document, shall take effect when executed
by OCC. The Contract shall be governed by the laws of the State of California
and shall be deemed executed in Redwood Shores, CA as of the Contract effective
Date.

<PAGE>   7

Customer              XCARENET
Location:             6400 SOUTH FIDDLERS GREEN CIRCLE
                      ENGLEWOOD, CO 80111
Contact:              JON WISDA
Phone:                303-488-2019                        Fax:    303-488-9705

End User:             XCARENET
                      6400 SOUTH FIDDLERS GREEN CIRCLE
                      ENGLEWOOD, CO 80111
Contact:              JON WISDA
================================================================================

                           ORACLE CONTRACT INFORMATION

    [  ] Agreement: SLSA Attached                      Effective Date:

DESIGNATED SYSTEM
    Make/Model:       SUN SPARC / 4 CPU                Media Type:    CD
    Operating System: SOLARIS                          CSI Number:

<TABLE>
<CAPTION>
Qty            License                               Quantity & Lice
               Programs                                               List Each     Disc.     Extended Net
----------------------------------------------------------------------------------------------------------
<S>            <C>                                   <C>              <C>           <C>       <C>

1   Full Use   Designer/2000                         1 Developer      [ * ]         [ * ]     [ * ]

1   Web        Change Management Pack                1600 Power       [ * ]         [ * ]     [ * ]
    Application                                      Unit 2 Yr
    Specific

1   Web        Diagnostics Pack                      1600 Power       [ * ]         [ * ]     [ * ]
    Application                                      Unit 2 Yr
    Specific

1   Web        Intermedia                            1600 Power       [ * ]         [ * ]     [ * ]
    Application                                      Unit 2 Yr
    Specific

1   Web        Oracle Server EE 8i                   1600 Power       [ * ]         [ * ]     [ * ]
    Application                                      Unit 2 Yr
    Specific

1   Web        Tuning Pack                           1600 Power       [ * ]         [ * ]     [ * ]
    Application                                      Unit 2 Yr
    Specific

                                                                                            ------------
                                                                      Sub Total:              [ * ]

        Initial 1 Year Silver Annual Technical Support                [ * ]         [ * ]     [ * ]

                             Total License Fee Due:                                           139,735.75
                             Total Technical Support Fee Due:                                  96,567.75
                             Total Additional Fees Due:
                                                                                            ============
                             Total Fees Due:                                                  236,567.75 USD
</TABLE>

MISCELLANEOUS

Customer is licensed to use each Program only on the Designated System(s)
specified in the above Section of this Order Form and for which such Program is
available on the Effective Date. The above Section of this Order Form specifies
the Programs on the particular Designated Systems requested by Customer, which
have been shipped or currently are being shipped to Customer. Oracle shall
deliver to the Customer Location, for use in the U.S, 1 copy of the software
media ("Master Copy") and 1 set of

* Confidential Treatment Requested
<PAGE>   8

ORACLE                             ORDER FORM                    Quote #: 312790
                                                                    Page: 2 of 2

Customer XCARENET

Documentation (in the form generally available) for each Program currently
available in production release as of the Effective Date below for use on the
Designated Systems(s). Customer shall have the right to make up to 1 copy of the
Program(s), including Documentation, for each license of the Program(s) and the
Customer shall be responsible for installation of the software. All fees under
this Order Form shall be due and payable net 30 days from date of invoice, and
shall be non-cancellable and the sums paid nonrefundable. Customer agrees to pay
applicable sales/use tax, media and shipping charges. If Customer loses or
damages the media containing a Program licensed hereunder, upon Customer's
written notice Oracle will provide a replacement copy thereof, under Oracle's
then-current Technical Support policies, for a media and shipping charge. The
following shipping terms shall apply: FOB Destination. Prepaid, and Add. These
terms shall also apply to any options exercised by Customer. Oracle may refer to
Customer as a customer in sales presentations, marketing vehicles and
activities.

TECHNICAL SUPPORT

Annual Technical Support services ordered by Customer will be provided under
Oracle's Technical Supped policies and pricing in effect on the date Technical
Support is ordered and shall be effective upon shipment (or upon Order Form
Effective Date for products not requiring shipment); first year Technical
Support is quoted above, if ordered. Fees for Technical Support are due and
payable annually in advance.

Term License. The Programs ordered under this Order Form and licensed As Power
Units are valid for 2 (#) years from the Effective Date ("Term") unless
otherwise terminated under the Agreement. Upon expiration of the Term Customer
shall cease using the Programs and return or destroy all copies in accordance
with the terms and conditions of the Agreement.

     Thank you for your interest in Oracle. If you have any questions please
     contact Edward Hut, your Oracle Sales Representative, at at (650) 506-7000.

     Customer and Oracle agree that the terms and pricing of this Order Form
     shall not be disclosed without prior written consent of the other party.

     This Quote is valid through October 26, 1999 and shall become binding upon
     execution by Customer and acceptance by Oracle.

     This Quote includes the Price List Definitions attachment.

XCARENET                                     ORACLE CORPORATION

Signature: /s/ PETER H. CHEESBROUGH          Signature:
           ------------------------                     ------------------------
Name:      Peter H. Cheesbrough              Name:
           ------------------------                     ------------------------
Title:     SR. V.P. FINANCE & CFO            Title:
           ------------------------                     ------------------------
Date:      October 25, 1999
           ------------------------

<PAGE>   9

ORACLE                       PRICE LIST DEFINITIONS

"Concurrent Devices" (or "Concur Dev"): is the maximum number of input devices
accessing the Programs at any given point in time. If multiplexing software or
hardware (e.g. a TP monitor, webserver product) is used, this number must be
measured at the multiplexing front-end.

"Named User" (or "Named") or "Developer": is defined as an individual who is
authorized by Customer to use the Oracle Programs, regardless of whether the
individual is actively using Programs at any given time.

A "Read-Only" User is defined as an individual authorized by the Customer to
only run queries or reports against Oracle Applications Programs. Read-Only
Users are licensed to use any of the Transactional Applications or CRM Sales and
Service Applications for which Customer has acquired Named User licenses.

"Primary Usage" is defined as each licensed user being counted only once as a
designated Named or Casual User of the Oracle Application he will use most.
However, a licensed Named or Casual User may access all Oracle Applications
licensed under the Agreement which have been licensed under the same licensing
methodology, regardless of the designated Oracle Application of primary use.

"Mailbox" is defined as a point from which to send or receive electronic mail.
It is created when a user account or application is created in Oracle Office.

"Computer or Workstation": licensed for use on a single specified computer.

"Processor": shall be defined as the actual number of processors installed in
the licensed Computer and running the Oracle Programs, regardless of the number
of processors which the Computer is capable of running.

"Client": a computer which (1) is used by only one person at a time, and (2)
executes Oracle software in local memory or stores the software on a local
storage device.

"Full Use Programs" are unaltered versions of the Programs with all functions
intact.

"Deployment Programs" may be used only to execute existing applications or
reports. They may not be used to build or modify reports or applications.
Deployment Programs are to be generated by Customer from Full Use Programs.

"Application Specific Programs" (or "App Specific"): shall mean Programs which
are limited to use solely for Customer's application software defined on the
Order Form. Application Specific Programs are to be generated by Customer from
Full Use programs.

A "Web Specific" Program is defined as a Program license which may only be
accessed by third parties via internal networking protocols and which is limited
to use solely for deployment of Customer's public web site. Customer's
application may allow third party web access to a licensed Web Specific Program
solely for viewing, querying or adding data, provided such use is in accordance
with the other terms of the Agreement. No corporate use or internal data
processing by Customer or its clients shall be permitted with a Web Specific
Program. Prohibited corporate and internal uses shall include, but shall not be
limited to, the following types of uses: human resource, finance and
administration, internal messaging and communications, accounting, sales force
management, etc.

A "Web Application Specific" Program is defined as a Program license which may
be accessed and used solely for deployment of Customer's application software as
specified on the Order Form. The Web Application Specific Program may only be
accessed by third parties via internet networking protocols and is limited to
use solely for deployment of Customer's public web site. Customer's application
may allow third party web access to a licensed Web Application Specific Program
solely for viewing, querying or adding data, provided such use is in accordance
with the other terms of the Agreement. No corporate use or internal data
processing by Customer or its clients shall be permitted with a Web Application
Specific Program. Prohibited corporate and internal uses shall include, but
shall not be limited to, the following types of uses: human resource, finance
and administration, internal messaging and communications, accounting, sales
force management, etc.

For Human Resources, Training Administration and Tutor for Human Resources.
"Employee" is defined as an individual who is actively managed by the Programs.
The term "Employee" includes, without limitation, Customer employees,
contractors, retirees, and COBRA, dependents.

For Payroll and Tutor for Payroll, "Employee" is defined as an individual whose
payment or payment calculations, are generated by the Programs. The term
"Employee" includes, without limitation, Customer employees, contractors,
retirees, and employees covered by workers compensation laws or regulations.

For Time Management, "Employee" is defined as an individual who submits
timecards or other time records for payroll processing.

For Self-Service Human Resources, Self-Service Purchasing, Self-Service
Expenses, Financials Intelligence, Operations Intelligence, Purchasing
Intelligence, Process Manufacturing Intelligence, and HR Intelligence,
"Employee" is defined as an active employee of Customer. The value of these
applications is determined by the size of the active employee population not the
number of actual users. Therefore, all active employees of customer must be
included when licensing these applications.

For Call Center Intelligence, "Employee" is defined as the total number of
employees in the Customer's Call Center.

"Foundation Services": This is limited support, and any license for which it is
purchased is not a Supported Program License.

An "Education Unit" entitles Customer to acquire education

<PAGE>   10

                             PRICE LIST DEFINITIONS
                                   (Continued)

products and services as specified in the Oracle Education catalogue in effect
at the time an Education Unit is utilized. Education Units are only valid for 12
months from the Effective Date of the Order or as specifically stated in the
applicable Order. Education Units may only be used in the country where the
Education Units were acquired or within the Territory defined in the applicable
Order. Customer may be required to execute standard Oracle ordering materials in
conjunction with utilizing Education Units.

"Organizational Change Management Services" are services for assisting Customers
in managing change in their organizations. Customer's discounts for consulting
or training do not apply to such Organizational Change Management Services.

A "Suite" consists of all of the functional software components described in the
Documentation.

"Module": shall mean a functional software component of a Suite or bundle.

"Per Entry": shall mean a unique item (e.g., object, person, entity, or
information) stored within the Programs. Replicated entries stored within the
Program on multiple servers are counted as a single entry.

"Power Unit": One Power Unit is defined as one MHz of power in any Intel
compatible or RISC processor in any computer of the Designated Systems on the
Order Form on which the Programs are installed and operating. The total number
of Power Units is determined by adding together the number of MHz in all the
processors in all such computers. Customer may add processors and computers, or
modify existing processors and computers, provided that if, at any time,
Customer's use exceeds the total number of licensed Power Units, Customer will
acquire licenses for the additional Power Units. At Oracle's request, no more
than once annually, Customer shall certify in writing the Power Unit
computation, including the number of relevant computers and processors, and the
MHz of each such processor. (For example: two computers with two 400 MHz
processors each would equal 1,600 Power Units)

"Bills Presented" is defined as the cumulative number of bills or invoices
delivered, presented and/or posted via the Internet using Program.

"Bill Paid" is defined as each payment or payment authorization of a bill via
the Internet using the Program.

For Service for Communications, TeleBusiness for Telecom/Utilities, CRL
Financial Management, CRL Supply Chain Management, SDP Provisioning, SDP Number
Portability, Revenue Accounting for Communications and Industrial Billing,
"Subscriber" is defined as a working telephone number for all wireline; a
handset or paging device that has been activated by Customer for all wireless
and paging; number of residential drops plus the number of nonresidential
devices serviced by cable providers; a live connected gas meter and a
live/connected electric meter. The total number of Subscribers is equal to the
aggregate of all types of Subscribers.

For Service for Communications, TeleBusiness for Telecom/Utilities, CRL
Financial Management. CRL Supply Chain Management, SDP Provisioning, SDP Number
Portability, Revenue Accounting for Communications and Industrial Billing, if
the Customer's business is not defined in the primary definition of Subscriber
above: "Subscriber" is defined as each U.S. $1,000 increment of Customer's gross
annual revenue as reported to the SEC in Customer's annual report or equivalent
reporting document.

<PAGE>   11

                                   ATTACHMENT
                                       to
                                  QUOTE #312790
                                     between
                                    XCARE.NET
                                       and
                               ORACLE CORPORATION

Notwithstanding anything to the contrary on the Quote specified above the
following changes are made to this Order Form as of its Effective Date.

1. Customer Definition. For purposes of this Order Form, Customer shall be
defined as the company listed at the head of this Order Form and its majority
owned subsidiaries located in the U.S. as of the Effective Date. Before
accessing the Programs, each subsidiary must agree in writing to be bound by the
terms of the Agreement and this Order Form.

2. Service Bureau. Notwithstanding section 2.1.A.i of the Agreement, Customer
shall have the right to use the Programs licensed under this Order Form for the
purposes of hosting third party health care web sites and limited to the
following functionalities: claims and capitalization processing; authorizations;
referral management; enrollment and eligibility tracking and management;
utilization management; provider contracting; group contracting; benefit design;
Managed Medicaid; Medicare; reporting and documentation, all provided to
Customer by Customer's end users ("End User(s)") as part of Customer's business.
Customer may issue written reports or other written records based on or arising
from its data processing activities for End User. In addition, if such reports
or records are in an electronic data file, Customer may allow End User remote
access to such reports or records for its internal business purposes, and may
permit End User to access the Programs and manipulate the data controlled by
Customer and managed by the Programs, provided that (a) Customer warrants that
it has the authority to bind End User to the terms of the Agreement and this
Order Form, and (b) Customer agrees to be responsible and to indemnify Oracle
for all damages or losses resulting from the breach of this agreement by End
User. End User personnel and devices accessing and manipulating the data
controlled by Customer and managed by the Programs shall be counted for purposes
of Named User and Concurrent Device limitations applying to the Programs.

3. Payment. The Customer's payment obligations to Oracle under this Order Form
as of the Effective Date shall be satisfied by Modis Solutions ("Payor") as
authorized pursuant to a distribution agreement executed between Payor and
Oracle ("Payor Agreement"). Oracle shall receive payments directly from Payor
under the terms of the Payor Agreement. This payment obligation is
non-cancellable and the sum paid is nonrefundable. The financial obligations of
Customer to Payor shall be specified in a separate agreement. Licenses that are
modified or added to this Order Form after the Effective Date shall be at terms
and fees as determined when such licenses are acquired. Applicable sales tax
shall be charged to Payor based on the point of delivery of the Master Copy and
paid under the terms of the Payor Agreement. Payor is responsible for payment of
any use or other tax arising from use of the Programs in any other location.

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