Document:

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                                                                   EXHIBIT 10.15

                             DISTRIBUTION AGREEMENT
                                       FOR
               INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

DISTRIBUTION AGREEMENT ("Agreement") by and between InterQual, Inc. a Delaware
corporation headquartered in Marlboro, MA ("InterQual" or "Licensor") and the
entity named as "Distributor" below (also "VAR" herein).

WHEREAS, InterQual owns certain proprietary Medical Appropriateness Review
Systems and related software media and other materials ("Criteria') and VAR owns
certain proprietary applications software ("VAR Software"), both of which are
marketed to and used in the healthcare industry, and;

WHEREAS, the parties desire to embody the Criteria into a module of the VAR
Software to create one or more systems ("Product(s)") for enhancing Criteria
functionality and Software marketability and for distributing Criteria Licenses
for use of the Criteria with the VAR Software;

NOW, THEREFORE, in consideration of the mutual covenants, terms and conditions
hereof and for other good and valuable consideration, whose receipt and adequacy
is hereby acknowledged, the parties agree as follows:

1. INCORPORATION. The foregoing recitals are hereby incorporated into and made a
part of this Agreement.

2. REPRESENTATIONS. VAR represents that the description of its business, VAR
Software into which the Criteria will be embodied and customer base shown in
Exhibit 1 is accurate and complete and that it has the technical capability to
embody the Criteria into the VAR Software as shown in Exhibit 1; and InterQual
represents that it is the owner of the proprietary Criteria shown in Exhibit 1;
and each party represents that to the best of its knowledge it does not violate
any confidentiality obligation to, or proprietary right in, or other protected
interest of a third party by entering into this Agreement.

3. LICENSE. Subject to the terms and conditions of this Agreement and of its
Exhibits 1 and 2 and the Attachments thereto, InterQual hereby grants to VAR the
non-exclusive right (a) to embody the Criteria into the Software; (b) to
distribute Criteria Licenses to VAR Software licensees (upon InterQual's
execution of such Criteria Licenses, "Product Licensees") for use of the
Criteria in the Product; and (c) to use InterQual's trademarks shown in Exhibit
2 hereto ("Marks") in connection therewith.

4. TERM. The Agreement term will be three years from the Effective Date shown in
Exhibit 1 ("Initial Term") and will automatically renew for additional,
sequential two year terms (each a "Renewal Term") unless either part), gives
notice to the other of non-renewal at least 12 months prior to the expiration of
the Initial or any Renewal Term, or this Agreement is otherwise terminated.

5. CONSIDERATION. The license fees for use of the Criteria and other
consideration under this Agreement will be as shown in Exhibit 2 and Attachment
A thereto.

BY SIGNING BELOW, VAR ACKNOWLEDGES THAT IT HAS READ AND UNDERSTANDS THIS
AGREEMENT AND ITS RELATED EXHIBITS 1 AND 2 AND ALL ATTACHMENTS THERETO AND THAT
THEY CONSTITUTE THE COMPLETE AND EXCLUSIVE AGREEMENT BETWEEN THE PARTIES AND VAR
AGREES TO BE BOUND BY THEIR TERMS.

           LICENSOR:                            DISTRIBUTOR:
INTERQUAL, INC.                        LANDA MANAGEMENT SYSTEMS CORPORATION:

Signature: /s/ ALAN D. MELLO           Signature: /s/ STEVE KAY
          ----------------------                   -----------------------------
Name: Alan D. Mello                    Name: Steve Kay
     ---------------------------            ------------------------------------
Title: V.P. Marketing and Sales        Title: Chief Operating Officer
      --------------------------             -----------------------------------
Date: 12/8/95                          Date:  1/8/96
     ---------------------------            ------------------------------------

                                  Page 1 of 1

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DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

                 EXHIBIT 1: PREFERENTIAL CROSS-MARKETING PROGRAM

Intending to be bound, the parties agree that this Exhibit 1, Preferential
Cross-Marketing Program, is an integral part of the Distribution Agreement by
and between InterQual, Inc. ("InterQual" or "Licensor") and Landa Management
Systems Corporation ("VAR" or "Distributor").

1.  PARTIES.  The parties to this Distribution Agreement are:

    1.1 LICENSOR:

    InterQual, Inc.
    Corporate Office/Technical Services/Notice Address
      293 Boston Post Road West
      Marlborough, MA 01752
      Telephone: (508) 481-1181
      Facsimile: (508) 481-2393
    Training and Consulting/Customer Services
      44 Lafayette Road
      P.O. Box 988
      North Hampton, NH 03862
      Telephone: (603) 964-7255
      Facsimile: (603) 964-7105

    CONTACTS:
      CEO:  Charles M. Jacobs (MA)
      President: Joanne Lamprey (NH)
      Marketing/Sales:  Alan Mello/Eric Kapust (MA)
      Technical: Jeff Katzif/David Baird (MA)
      Training:  Charlotte Corcoran (NH)
      Consulting: Charlotte Corcoran (NH)
      Customer Support: Carolyn Vinica (NH)

                         EXHIBIT 1: InterQual and Landa
                                  Page 1 of 4
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DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

    1.2 DISTRIBUTOR:

    CORPORATE OFFICE:

      Landa Management Systems Corporation
      1370 Ridgewood Plaza, Suite 7
      Chico, CA 95926
      Phone: (916) 891-0853
      Fax:  (916) 891-8428

    CONTACTS:
      CEO: Bryan Lang
      COO: Steve Kay
      Marketing/Sales: David Wellons
      Technical: Randy Smith
      Training: Laura Sutherland
      Consulting: Laura Sutherland
      Customer Support: Laura Sutherland

2. LICENSED CRITERIA:

ISD-AC(TM) (Adult)..............Intensity/ Severity Discharge Criteria for
                                Acute Care
ISD-AC(TM) (Pediatric)..........Intensity/Severity/Discharge Criteria for Acute
                                Care

ISP(TM).........................Indications for Surgery and Procedures
ISX(TM).........................Indications for Imaging Studies and X-rays
IPR(TM).........................Indications to Physicians' Referral for
                                Specialists' Care
ISD-HC(TM)......................Intensity/Severity/Discharge Criteria for Home
                                Care
ISD-SAC(TM).....................Intensity/Severity/Discharge Criteria for
                                Subacute Care
ISD-RHB(TM).....................Intensity/Severity/Discharge Criteria for
                                Rehabilitation
ISD-LTC(TM).....................Intensity/Severity/Discharge Criteria for Long
                                Term Care

SIM(TM) (Adult).................Surgical Indications Monitoring (Adult)
SIM(TM) (Pediatric).............Surgical Indications Monitoring (Pediatric)
IPM(TM).........................Invasive Procedure Monitoring

AutoBook(TM) Software Automated Criteria Software (Site License)

                         EXHIBIT 1: InterQual and Landa

                                  Page 2 of 4

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DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

3.  Distributor's Software (VAR Software):

    3.1 MAXSYS II:

    Maxsys II is a suite of software produced and marketed exclusively by Landa
    Management Systems Corporation, (Landcorp). It is intended for use within
    healthcare organizations. In particular, it is appropriate for Acute,
    Subacute, Community Long Term Care, PHO, HMO and physician practices.

    Maxsys II maintains a Clinical and Financial Resource Management Repository
    for operational and decision support use; is fully client-server open
    architecture; is database independent and can run on the client side with
    Windows 3.x, Windows NT, Windows 95 operating systems and on the server side
    with Novel NetWare and a wide variety of UNIX operating systems.

    Maxsys II has been written in PowerBuilder(R), a fourth generation language
    ("4GL") with Graphical User Interface ("GUI"). The main modules of the core
    Maxsys II product are as follows:

              Quality Management
              Utilization Management
              Clinical Pathways
              Risk Management
              Medical Staff and Health Professional Management and Credentialing
              Corporate Data Aggregation and Comparative Reporting
              Automated InterQual(R) Criteria

  This above description is not intended to be exhaustive but covers the main
  areas of the Maxsys II core product. Other modules will be released over time
  and will also be considered to be part of the Maxsys II system. For the
  purposes of this description, all new modules to be described in future
  marketing material of Landa Management Systems Corporation will be deemed to
  be core Maxsys II software.

    3.2 IQ/MAX.

        3.2.1 IQ/Max is the Utilization Management Module of Maxsys II excluding
        it's critical pathways feature. As used in this Distribution Agreement,
        the term VAR Software includesIQ/Max.

        3.2.2 Landacorp hereby grants to InterQual a non-exclusive right to
        market IQ/Max as a Criteria delivery vehicle (a Product hereunder).
        InterQual will distribute IQ/Max licenses to potential product licensees
        and submit same to Landacorp for signature. Any customer executing an
        IQ/Max License and a Criteria License will be a Product Licensee
        hereunder.

    3.3 IQ/RSM. IQ/RSM is a VAR Software derivative with the embodied criteria
    that enables automated use of the Criteria. Landacorp will, at InterQual's
    request given by notice, license IQ/RSM (a) to Product Licensees in lieu of
    AutoBook as shown in Exhibit 2, section 9 of this Distribution Agreement;
    (b) to other InterQual criteria distributors (vendors of software
    applications systems wishing to create linkages to IQ/RSM), under terms,
    conditions and fees equivalent to those then offered to Product Licensees
    hereunder.

                         EXHIBIT 1: InterQual and Landa

                                   Page 3 of 4

<PAGE>   5
DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

4. PRODUCTS AND PROGRAM: The Products of this Distribution Agreement and the
preferential cross-marketing program hereby established between the parties is
shown in the Draft Letter of Intent between InterQual ("IQ") and Landa
Management Systems Corporation ("LC") dated 12 July 1995, a copy of which is
shown in Attachment A hereto, and the same is hereby incorporated into and made
a part of this Distribution Agreement with the same force and effect as if set
forth herein. If there is any inconsistency between the terms and conditions of
the Draft Letter of Intent and this Distribution Agreement, including Exhibit 2
and any Attachments thereto, the Draft Letter of Intent (excepting Sections 4.3,
5.4, 6.3, and 6.4 thereof) will have precedence and will govern the relationship
between the par-ties and between them and Third Parties and with respect to the
excepted sections, the Distribution Agreement will have such precedence.

5. CUSTOMER TYPES AND MARKETS: There will be no restrictions concerning customer
types (e.g. hospitals; managed care organizations, including HMOs, PPOs, PHOs,
Physician Group Practices, CHINS, etc.). Subject to InterQual's ability to
obtain adequate protection for its intellectual property rights, there will be
no restrictions concerning geographic markets. VAR will give notice to InterQual
of any potential distribution outside the United States, its Territories and
Canada. No such distribution will be concluded until InterQual gives notice that
it has concluded satisfactory arrangements for protection of its intellectual
property in such other locations.

6. APPROVAL: VAR has previously submitted its current version of Maxsys 11 to
InterQual pursuant to Exhibit 2, Sections 3.1, 3.2 and 3.3. InterQual
acknowledges that same meets InterQual's Functional Requirements and that this
provision hereof constitutes its notice of approval thereof.

                         EXHIBIT 1: Interqual and Landa

                                  Page 4 of 4

<PAGE>   6

                            ATTACHMENT A TO EXHIBIT 1

             DRAFT LETTER OF INTENT BETWEEN INTERQUAL ("IQ") AND
                 LANDA MANAGEMENT SYSTEMS CORPORATION ("LC")

<PAGE>   7
             DRAFT LETTER OF INTENT BETWEEN INTERQUAL ("IQ") AND
                  LANDA MANAGEMENT SYSTEMS CORPORATION ("LC")
                                  12 JULY 1995

1.    Preamble.

1.1   LC develops and owns the MAXSYS II software system ("MAXSYS II").

1.2   IQ develops and owns certain medical review systems and criteria sets used
      for utilization review, case management, practice guidance and clinical
      pathways ("Criteria").

1.3   LC as an independent value-added reseller of IQ Criteria has developed a
      software module that automates the Criteria ("MAX/CMS") and can be used
      with Maxsys II.

1.4  IQ and LC intend to:

      -     establish a partnership to enhance licensing and revenue potential;

      -     package two separate versions of LC Software to better promote IQ
            Criteria, as stipulated in section two herein;

      -     establish a preferential cross-marketing program between the two
            firms.

2.    Products.

2.1   "IQMAX"

2.1.1 Bundles certain MAXSYS II modules and MAX/CMS including the Criteria into
      a standalone product for utilization management.

2.1.2 Enables the user to perform patient care review based upon the Criteria.

2.1.3 Contains the following features:

      a.    patient level data collection

      b.    data aggregation. analysis and reporting, including graphics.

2.2   "MAX/RSM" - Review Session Manager

2.2.1 Bundles very limited MAXSYS II functionality with MAX/CMS.

2.2.2 Contains the following features:

      a.    limited patient demographics data entry

      b.    Criteria reviews C. review results printing.

2.2.3 MAX/RSM" will not be capable of storing patient demographics nor review
      data.

3.    Ongoing Product Development.

3.1   IQ will continue to supply the Criteria and any applicable updates to LC,
      together with functional specifications of Criteria detailing how the
      Criteria are to be used by end users. LC agrees that it will take all
      reasonable steps to protect and prevent the Criteria from being used
      without authority by any third party.

                                                                     Page 1 of 4

<PAGE>   8
             DRAFT LETTER OF INTENT BETWEEN INTERQUAL ("IQ") AND
                  LANDA MANAGEMENT SYSTEMS CORPORATION ("LC")
                                  12 JULY 1995

3.2   LC will continue to perform the necessary software design, programming,
      and quality assurance for the MAX/CMS products.

3.3   IQ will review MAX/CMS products to certify conformance to the functional
      specifications stated in section 3.1

4.    Term of Agreement; Termination.

4.1   The initial term of this agreement is three years.

4.2   This agreement will automatically renew for two-year periods unless either
      party elects not to renew and provides the other party with 12 months
      prior notice.

4.3   This agreement may be terminated only for cause where applicable notice
      has been given, and, following a cure period, the cause remains
      uncorrected. This agreement may be terminated in the event of bankruptcy,
      receivership, or substantial reorganization of either party.

5.    Marketing & Licensing.

5.1   It is acknowledged to be in the mutual interest of both parties to sell
      licenses for the complete MAXSYS II and MAX/CMS product line in preference
      to IQMAX. It is understood that IQMAX will be offered for potential
      clients who do not currently want or need MAXSYS If capabilities, but who
      may want to upgrade in the future.

5.2   MAX/RMS is to be provided exclusively and on an interim basis to customers
      who have already licensed IQMAX or both MAXSYS II and MAX/CMS pending the
      completion of implementation of IQMAX or MAXSYS II, so as to pen-nit use
      of the Criteria at the earliest moment.

5.3   The parties agree to use their best efforts to engage in good faith joint
      Marketing and promotion of each party's products, without limiting either
      party's ability to market and promote the Criteria, MAXSYS II, IQMAX, and
      MAX/CMS on its own.

5.4   MAX/CMS, IQMAX, and MAX/RSM shall be licensed under uniform agreement
      containing a Criteria sublicense that is executed by LC as sublicensor and
      IQ as licensor. In any event, LC is the principal licensor of all software
      products.

5.5   MAX/IRSM shall be licensed for the then-applicable fees for Criteria
      license plus a certain premium (e.g.. 10% to 15%), with automatic
      substitution of the principal product upon initiation of principal product
      use.

5.6   IQ agrees to provide LC with reasonable sales assistance relative to IQMAX
      and MAX/CMS. LC agrees to provide IQ with reasonable sales assistance
      relative to IQMAX and MAX/CMS. IQ agrees to inform all IQMAX prospects of
      the greater benefits of MAXSYS II, and agrees to license IQMAX only if the
      prospective client has no current interest or use for these additional
      benefits. IQ and LC agree to regular exchange of sales lead and prospect
      information.

                                                                     Page 2 of 4
<PAGE>   9
             DRAFT LETTER OF INTENT BETWEEN INTERQUAL ("IQ") AND
                  LANDA MANAGEMENT SYSTEMS CORPORATION ("LC")
                                  12 JULY 1995

6.0   PRICING.

6.1   LC reserves the right to determine and set any and all applicable license
      fees for its software products.

6.2   IQ reserves the right to determine and set any and all applicable license
      fees for its Criteria products.

6.3   LC and IQ intend to determine and set mutually-acceptable license fees for
      MAX/CMS, IQMAX, and MAX/RSM.

6.4   IQ and LC agree to provide three months' advance notice prior to
      effectuating any changes in license fees.

7.    LEAD GENERATION AND SALES COMMISSIONS

7.1   The purpose of intercompany lead generation and sales commissions is to
      provide incentives for each party's marketing and sales forces to actively
      promote the interest of the other party.

7.2   A lead generation commission will be payable to the party who initiates a
      sales contact that results in the licensing of the products shown in
      section two herein. The definition of "sales initiation" and the
      deten-nination of any applicable commission amounts and structures shall
      be agreed by the LC and IQ sales & marketing departments.

7.3   A sales commission will be payable to the party where the other party
      provided "substantial" sales assistance. The definition of "substantial"
      and the determination of any applicable commission amounts and structures
      is to be agreed by the LC and IQ sales & marketing departments.

8.    LICENSE REVENUE. Except for commissions, each party receives its own
      license fees directly from the licensing of its products. LC will receive
      fees from software licenses, and IQ will receive fees from its Criteria
      licenses.

9.    CUSTOMER TRAINING AND SUPPORT. All substantive training and support with
      respect to the usage of the Criteria shall be the obligation of IQ. All
      substantive training and support with respect to the usage of software
      products shall be the obligation of LC. Unless mutually agreed at a later
      date between the parties, LC shall have the sole responsibility for the
      implementation of all software systems.

10.   LICENSE OF SOFTWARE FOR IQ USAGE.

      LC agrees to license at no cost to IQ one or more copies of IQMAX to be
      used solely for the purposes of sales presentations and assessment of
      conformance to Criteria standards. IQ agrees that it will take all
      reasonable steps to protect and prevent the software from being used
      without authority BY any third party.

                                                                     Page 3 of 4
<PAGE>   10
             DRAFT LETTER OF INTENT BETWEEN INTERQUAL ("IQ") AND
                  LANDA MANAGEMENT SYSTEMS CORPORATION ("LC")
                                  12 JULY 1995

11.   FUTURE PROJECTS. The patties agree to investigate the feasibility of the
      development of services, processes and products to augment revenues by
      enabling clients to make use of emerging technologies such as electronic
      data interchange (EDI).

12.   RELATIONSHIP. The relationship between the parties is one of good faith
      cooperation. No formal joint venture is contemplated nor may such be
      inferred. Neither party is an agent of the other. Neither party can commit
      the other except as specifically agreed.

13.   NON-EXCLUSIVE AGREEMENT. This agreement is not exclusive. LC may
      incorporate the criteria of other parties into its software, and IQ may
      arrange for others to incorporate its Criteria into the software of other
      parties. Nonetheless, this agreement shall be of a preferential nature.
      Each party acknowledges an intent to accord preferential treatment to the
      other in the belief that this arrangement is in each others best interest.

14.   EXECUTION. The parties acknowledge each to the other that this Letter of
      Intent is entered upon good faith with the express intent to induce each
      to expend valuable human and financial resources. It is the expectation of
      both parties that after prompt review and negotiation, the Intent will be
      embodied into a formal agreement binding IQ and LC into a cooperative
      venture.

FOR INTERQUAL:                         FOR LANDA MANAGEMENT SYSTEMS
                                       CORPORATION:

Charles M. Jacobs, CEO                 Stephen P. Kay, COO

Signature: /s/  CHARLES M. JACOBS      Signature: /s/ STEPHEN P. KAY
           -------------------------              ------------------------------
Date: 7/19/95                          Date: 13-JUL-95
      ------------------------------         -----------------------------------

                                                                     Page 4 of 4
<PAGE>   11
 DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

                                    EXHIBIT 2

                          STANDARD TERMS AND CONDITIONS

1. BINDING EFFECT. Intending to be bound, the parties agree that these Standard
Terms and Conditions are an integral part of the Distribution Agreement for
InterQual Medical Appropriateness Review Systems ("Distribution Agreement") by
and between InterQual, Inc. ("InterQual" or "Licensor") and the entity
identified on the Agreement as "Distributor" (also as "VAR").

2. RELATIONSHIP. VAR's relationship with InterQual is solely that of a
distributor of InterQual Criteria Licenses (in form as shown in Attachment A
hereto or as amended by InterQual upon 45 days advance notice to VAR) to VAR's
existing customers and prospects who are potential licensees of the Product as
shown in Section 3.1 hereof. Neither party is an agent of or co-venturer with
the other; neither will represent to third parties that they have any other
relationship; and neither has any authority to commit or bind the other. Except
as expressly otherwise provided, each party will be solely responsible for its
own costs and expenses.

3. PRODUCT(S) AND APPROVAL.

      3.1 EMBODYING. VAR will embody the Criteria into the VAR Software by full
      integration into VAR's Software or by dynamic linkage (as this term is
      commonly understood in the software development industry) to InterQual's
      Software, or both, as shown in Exhibit 1, to create one or more "Products"

      3.2 REQUIREMENTS. The Product(s) will function in accordance with
      InterQual's Minimum Standards for Integrating InterQual Criteria into
      Third Party Software ("Functional Requirements") shown in Attachment B
      hereto, as the same may be amended by notice in connection with any
      "Update" (as this term is defined in the License Agreement).

      3.3 APPROVAL. VAR will deliver an archive copy of the latest version of
      the resulting Product(s) to InterQual for its review for conformance with
      the Functional Requirements and will not market the Product or distribute
      Licenses until InterQual has given to VAR notice of its approval, which
      will not be unreasonably withheld. If InterQual determines to withhold
      approval, its notice will provide reasons therefore and VAR will have the
      option of resubmitting to the same affect as shown above.

      3.4 PROPRIETARY NOTICES. VAR will prominently affix to and/or display with
      the Criteria InterQual's Copyright, Trademark and Proprietary Notices as
      follows and as the same may be amended by notice from InterQual in
      connection with any Update and/or new Product release.

                        Distribution Agreement Exhibit 2

                                  Page 1 of 7
<PAGE>   12
DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

            3.4.1 Once on each copy of the Work as embodied, on the Product's
            title page or on introductory screen:

            a) Copyright Notice: Copyright, InterQual, Inc. 199_, 199_, etc. All
            rights reserved [293 Boston Post Road West, Marlborough, MA 01752].

            B) Trademarks and Registered Trademarks Notice: InterQual ISD and
            RAQ are registered trademarks, and ISP", ISX", IPR", IWC(TM),
            SIM(TM), IPM(TM), NIPM(TM), ILC(TM) ISD-AC(TM), ISD-HC(TM),
            ISD-SAC(TM), ISD-LTC(TM), and ISD_RHB(TM) are trademarks of
            InterQual, Inc.

            c) Proprietary Notice (to be used on each release permitted by
            InterQual): InterQual(R) Proprietary Notice:

            InterQual, Inc., the Owner/Licensor of this Medical Appropriateness
            Review System (Criteria/Work) has prepared this Work for the
            exclusive use of its Customers (Licensees under Distribution
            Agreements with vendors of Software Systems into which the Criteria
            are embedded). This Work contains confidential and trade secret
            information of InterQual and is provided to Licensees only under a
            time-limited license. All right, title and interest in this Work,
            including, without limitation, copyrights, trademarks, trade names,
            etc., belong solely to InterQual. Licensee has been authorized by
            InterQual to release portions of this work but only for the limited
            purposes set forth in InterQual's License Agreement with Licensee.
            (Recipient should consult with the Licensee regarding these
            limitations). InterQual shall not be responsible for any damages
            whatsoever, whether direct, indirect or consequential, regardless of
            the form of action, resulting from Recipient's use of, or reliance
            upon, the information contained in the Work. Further reproduction,
            adaptation, incorporation in to other media, and release of this
            Work by Recipient is strictly prohibited except on prior written
            permission of an officer of InterQual. InterQual periodically makes
            changes to the Work and Recipient should, in all cases, consult with
            InterQual at: 1-800-582-1738.

4. MARKETING AND DISTRIBUTION.

      4.1 MARKETING. VAR will use its best effort to promote and market the
      Product to customer types in locations shown in Section 5 of Exhibit 1.
      InterQual will provide to VAR reasonable marketing and promotional
      materials and marketing assistance relative to the Criteria and will refer
      to VAR prospects whose needs (in InterQual's judgment) are best met by the
      Product.

      4.2 SALES TRAINING & ASSISTANCE. Each party will make available its
      marketing and sales personnel for training by the other, at times and
      places to be mutually agreed upon at least once during each year of the
      Term. At VAR's request, InterQual will provide VAR with reasonable sales
      assistance by telephone and modem demonstration to prospective Product
      Licensees.

                        Distribution Agreement Exhibit 2

                                  Page 2 of 7
<PAGE>   13
 DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

5. VAR's OBLIGATIONS.

      5.1 PRODUCT SUPPORT AND MAINTENANCE. VAR will undertake to provide timely
      and accurate technical support and VAR Software maintenance services to
      Product Licensees to assure that all Product components required for
      functionally efficient and effective medical appropriateness review
      perform in accordance with VAR's promotional materials and technical
      specifications and InterQual's Functional Requirements.

      5.2 UPDATES AND VAR SOFTWARE MODIFICATIONS

            5.2.1 UPDATE NOTICES. Promptly upon release of each Update,
            InterQual will provide same to VAR by notice ("Update Notice"). The
            Update Notice will designate each Update as "Regular" or "Urgent" as
            with or without "Material Changes." Material Changes means changes
            to the Criteria or associated review rules or other review system
            attributes that (in InterQual's judgment) require complementary VAR
            Software modifications for the Product to meet the Requirements.

            5.2.2 UPDATE DISTRIBUTION WITHOUT VAR SOFTWARE MODIFICATIONS. VAR
            will embody into the VAR Software each Regular Update without
            Material Changes and distribute same to Product Licensees at the
            time of VAR's next Product release, but not later than 120 days of
            the date of a regular Update Notice; and VAR will embody each Urgent
            Update into the VAR Software and distribute same to Product
            Licensees within 30 days of the date of an Urgent Update Notice.

            5.2.3 VAR SOFTWARE MODIFICATIONS. Whenever a VAR Software
            modification is required under this Agreement or is made at VAR's
            own initiative and the same is likely to substantially affect
            Product Licensees' use of the Criteria or any other benefit
            associated with use of the Product in connection with medical
            appropriateness review. VAR will deliver the Product with such
            modifications to InterQual for review and approval as shown in
            Section 3.3. If prompted by an Update Notice, it is the intention of
            the parties that such modifications will be completed and approved
            such that the Update can be distributed to Product Licensees not
            later than 120 days from the date of such Update Notice.

6. INTERQUAL OBLIGATIONS.

      6.1 TO CRITERIA LICENSEES. InterQual will faithfully discharge its
      Criteria License obligations, including without limitation, to maintain
      the clinical integrity and currency of the Criteria, to publish Updates,
      to make available to Licensees timely and informed training opportunities
      on proper application of its medical appropriateness review system(s), and
      to provide telephone customer service support.

      6.2 TO VAR. InterQual will provide reasonable written and telephone
      support to VAR for purposes of facilitating VAR's obligation to embody.

                        Distribution Agreement Exhibit 2

                                  Page 3 of 7
<PAGE>   14
 DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

7. LICENSING FEES. Each party will from time-to-time by notice to the other
establish its own Product licensing fees hereunder, VAR with respect to the VAR
Software and InterQual with respect to the

Criteria.

8. LICENSING AND RELATED REVENUES

      8.1 LICENSING REVENUES. VAR has the sole right to VAR Software licensing
      fee revenues (except with respect to Section 8.4 revenues), and InterQual
      has the sole right to Criteria licensing fee revenues.

      8.2 SERVICE REVENUES. VAR has the sole right to all revenues from fees it
      charges a Product Licensee for VAR Software customization, installation
      services, technical support and related training services, and InterQual
      has the sole right to all revenues from fees it charges for Criteria use
      training, medical appropriateness review system implementation and like
      Criteria-related services.

      8.3 Sales COMMISSIONS. InterQual will, based upon its Initial Term
      Criteria License Fee revenues derived from License, (a) pay its then
      standard sales commissions to InterQual's marketing/sales personnel as an
      incentive to assist VAR's Product licensing and Criteria License
      distribution efforts, and (b) pay to VAR the following percentages of such
      revenues solely for VAR's use to pay sales commissions to VAR's
      marketing/sales personnel as an incentive to distribute Criteria Licenses:
      five (5%) percent of such Initial Term first year revenues and two (2%)
      percent of such Initial Term subsequent years revenues.

      8.4 OTHER REVENUES.

            8.4.1 ELECTRONIC DATA INTERCHANGE FEES. At any time when the Product
            includes capability by which data involving or derived from use of
            the Criteria are interchanged with any third party and in connection
            with which VAR receives any fees or payments of any kind whatsoever,
            or by standard industry practice could demand such fees or payments,
            VAR will not permit any such use of such data without InterQual's
            prior written approval, which may not be unreasonably withheld.

            8.4.2 OTHER REVENUE SOURCES. The parties acknowledge that it may be
            possible to develop valuable databases and information and analytic
            products and services based upon Product Licensees' medical
            appropriateness review experiences and agree that such revenue
            opportunities will be exploited jointly.

      8.5 ACCESS. Each party will have access, upon reasonable notice and during
      normal business hours, to inspect the premises and copy all records of the
      other party in connection with the others compliance with this
      Distribution Agreement and to verify the uses of its proprietary materials
      and the accuracy of all fees and payments due to the other and from
      Product Licensees. Each party WILL continue to have such access for a
      period of one year following the expiration or termination of this
      Distribution Agreement arid/or any Criteria License executed prior to such
      expiration or termination.

                        Distribution Agreement Exhibit 2

                                  Page 4 of 7
<PAGE>   15
 DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

9. AUTOBOOK(TM) SOFTWARE. In connection with each Product license, VAR will, by
notice to InterQual, provide its best estimate of the time required by VAR to
complete Product installation and the date when VAR estimates the Licensee will
be able to use the Product for medical review. In the event such date is in
excess of 60 days from the Product License Agreement execution date, InterQual
and/or VAR will offer to such Licensee the use of InterQual's Autobook software
for conducting interim medical review InterQual may charge its customary fee for
Autobook licensing.

10. TITLE.

      10.1 OWNERSHIP OF VAR SOFTWARE. InterQual acknowledges VAR's claim to
      exclusive right, title and interest in and to the VAR Software, including
      without limitation, designs, algorithms, flow charts, source code, object
      code, user interface and other documentation. VAR will have the right to
      obtain and hold in its own name trademarks, copyrights, registrations or
      such other protection as may be appropriate to the subject matter, and any
      extensions or renewals thereof. InterQual will not represent that it has
      any ownership in the VAR Software and will provide VAR, and any person
      designated by VAR, any reasonable assistance, at VAR's expense, required
      to perfect VAR's rights defined in this Agreement. As used, the term VAR
      Software does not include InterQual's Proprietary Property as shown in
      section 10.2. InterQual will have no right under this Agreement to use the
      Product or the VAR Software for its own account without the express prior
      written permission of VAR.

      10.2 OWNERSHIP OF INTERQUAL'S PROPRIETARY PROPERTY. VAR acknowledges
      InterQual's claim to exclusive right, title and interest in and to the
      Criteria, the InterQual developed software, database and other media in
      which the Criteria may be expressed or operationalized, and all materials
      of any kind related thereto, including without limitation, Updates,
      Criteria modifications made by or for VAR or any Licensee, all derivative
      works, and the AUTOBOOK(TM) Software ("InterQual's Proprietary
      Property"). InterQual will have the right to obtain and hold in its own
      name trademarks, copyrights, registrations or such other protection as may
      be appropriate to the subject matter, and any extensions or renewals
      thereof VAR will provide InterQual, and any person designated by
      InterQual, any reasonable assistance, at InterQual's expense, required to
      perfect InterQual's rights defined in this Agreement. In connection with
      the distribution of License Agreements and all uses of the Product, VAR
      will not represent that it has any ownership in InterQual's Proprietary
      Property, and VAR acknowledges that all such uses and any modifications of
      InterQual's Proprietary Property by VAR or any Licensee will inure to the
      benefit of InterQual. VAR will have no right under this Agreement to use
      InterQual's Proprietary Property or the Product for its own account
      without the express prior written permission of InterQual.

                        Distribution Agreement Exhibit 2

                                  Page 5 of 7
<PAGE>   16
 DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

11. CONFIDENTIALITY AND NONDISCLOSURE. VAR will observe the
confidentiality/nondisclosure provisions with respect to InterQual proprietary,
confidential and trade secret information shown in License Agreement Exhibit B
sections 2.5, 3 (introductory paragraph), 3.1 (b), (d) and (e), and 3.3. In
addition, each party (and the officers, director, employees, agent, successors
and assigns of each party) will, during the term of this Distribution Agreement
and following its termination with or without cause, whether voluntary or
involuntary, hold any and all proprietary and trade secret information of the
other party (information which is known only to persons having a fiduciary or
confidential relationship with such party) in strictest confidence, as a
fiduciary, and shall not sell, transfer, publish, disclose or otherwise make
same available to others except as expressly permitted by this Distribution
Agreement or, to the extent the same has come into the public domain without
breach, any License Agreement.

12. NON-EXCLUSIVITY. This Distribution Agreement is non-exclusive. InterQual may
conclude distribution agreements with other software system vendors and may
develop its own software systems provided only that it does not violate VAR's
ownership rights as defined herein. VAR may conclude distribution agreements
with vendors of other medical review Criteria except that VAR will make prudent
inquiry and investigation to assure that such others' criteria are not
modifications or derivative works of InterQual's Criteria and do not otherwise
violate InterQual's Proprietary Product and ownership rights as defined herein.

13. INDEMNIFICATION. Each party shall indemnify, defend and hold harmless the
other party, its officers, directors, employees and agents, from and against
liability arising from such party's breach of its express obligations
thereunder.

14. NON-RENEWAL AND TERMINATION.

      14.1 TERMINATION EVENTS. This Agreement may be terminated in whole or in
      part, upon the happening of one or more of the events and by the process
      shown in License Agreement Exhibit B Clause 8.

      14.2 EFFECT OF EXPIRATION OR TERMINATION.

            14.2.1 ON PARTIES. Upon expiration of this Distribution Agreement
            due to expiration or termination with or without cause, whether
            voluntary or involuntary, the License granted herein will be revoked
            with the same effect (except as shown in section 14.3 below) as
            shown in License Agreement Exhibit B Section 8. In addition, VAR
            will not adopt or use any materials derivative of the Criteria or
            similar to the Marks or any other criteria or mark which is likely
            to be similar to or confusing with the Criteria or Marks without
            InterQual's prior written consent, to the extent that the same would
            be in derogation of InterQual's legally protectable, proprietary
            intellectual property.

            14.2.2 ON LICENSEES. Any License Agreement executed prior to the
            expiration of this Agreement will, with respect to any Licensee so
            electing, remain in full force and effect in accordance with its
            terms, and VAR and InterQual will continue to FULFILL their
            obligations to each other and to such Licensees until the expiration
            by non-renewal or permitted termination thereof

                        Distribution Agreement Exhibit 2

                                  Page 6 of 7
<PAGE>   17
 DISTRIBUTION AGREEMENT FOR INTERQUAL(R) MEDICAL APPROPRIATENESS REVIEW SYSTEMS

            14.2.3 ON INTERQUAL InterQual will not adopt or use any software in
            violation of VAR's ownership rights in and to the VAR Software
            insofar as the same constitutes VAR's proprietary,
            legally-protectable intellectual property, but InterQual will not be
            contained from adopting or using industry standard software
            development tools and user interfaces, even if VAR has also used
            same in the VAR Software.

                        Distribution Agreement Exhibit 2

                                  Page 7 of 7
<PAGE>   18
               Draft LETTER OF Intent BETWEEN INTERQUAL ("IQ") AND
                   LANDA MANAGEMENT SYSTEMS CORPORATION("LC")
                                  12 JULY 1995

1.      PREAMBLE.

1.1     LC develops and owns the MAXSYS II software system ("MAXSYS II").

1.2     IQ develops and owns certain medical review systems and criteria sets
        used for utilization review, case management, practice guidance and
        clinical pathways ("Criteria").

1.3     LC as an independent value-added reseller of IQ Criteria has developed a
        software module that automates the Criteria (MAX/CMS) and can be used
        with MAXSYS II.

1.4     IQ and LC intend to:

        -       establish a partnership to enhance licensing and revenue
                potential;
        -       package two separate versions of LC Software to better promote
                IQ Criteria, as stipulated in section two herein;
        -       establish a preferential cross-marketing program between the two
                firms.

2.      PRODUCTS.

2.1     "IQMAX'

2.1.1   Bundles certain MAXSYS II modules and MAX/CMS including the Criteria
        into a standalone product for utilization management.

2.1.2   Enables the user to perform patient care review based upon the Criteria.

2.1.3   Contains the following features:

        a.      patient level data collection
        b.      data aggregation, analysis and reporting, including graphics.

2.2     "MAX/RSM" - Review Session Manager

2.2.1   Bundles very limited MAXSYS II functionality with MAX(CMS.

2.2.2   Contains the following features:

        a.      limited patient demographics data entry
        b.      Criteria reviews
        C.      review results printing.

2.2.3   MAX/RSM will not be capable of storing patient demographics nor review
        data.

3.      ONGOING PRODUCT DEVELOPMENT.

3.1     IQ will continue to supply the Criteria and any applicable updates to
        LC, together with functional specifications of Criteria detailing how
        the Criteria are to be used by end users. LC agrees that it will take
        all reasonable steps to protect and prevent the Criteria from being used
        without authority BY any third party.

                                                                     Page 1 of 4
<PAGE>   19
               DRAFT LETTER OF INTENT BETWEEN INTERQUAL ("IQ") AND
                   LANDA MANAGEMENT SYSTEMS CORPORATION ("LC")
                                  12 JULY 1995

3.2     LC will continue to perform the necessary software design, programming,
        and quality assurance for the MAX/CMS products.

3.3     IQ will review MAX/CMS products to certify conformance to the functional
        specifications stated in section 3.1

4.      Term OF AGREEMENT; TERMINATION.

4.1     The initial term of this agreement is three years.

4.2     This agreement will automatically renew for two-year periods unless
        either party elects not to renew and provides the other party with 12
        months prior notice.

4.3     This agreement may be terminated only for cause where applicable notice
        has been given, and, following a cure period, the cause remains
        uncorrected. This agreement may be terminated in the event of
        bankruptcy, receivership, or substantial reorganization of either party.

5.      MARKETING & LICENSING.

5.1     It is acknowledged to be in the mutual interest of both parties to sell
        licenses for the complete MAXSYS II and MAX/CMS product line in
        preference to IQMAX. It is understood that IQMAX WILL be offered for
        potential clients who do not currently want or need MAXSYS II
        capabilities, but who may want to upgrade in the future.

5.2     MW/RSM is to be provided exclusively and on an interim basis to
        customers who have already licensed IQMAX or both MAXSYS II and MAX/CMS
        pending the completion of implementation of IQMAX or MAXSYS II, so as to
        permit use of the Criteria at the earliest moment.

5.3     The parties agree to use their best efforts to engage in good faith
        joint marketing and promotion of each party's products, without limiting
        either party's ability to market and promote the Criteria, MAXSYS II,
        IQMAX, and MAX/CMS on its own.

5.4     MAX/CMS, IQMAX, and MAX/RSM shall be licensed under uniform agreement
        containing a Criteria sublicense that is executed by LC as sublicensor
        and 10 as licensor. In any event, LC is the principal licensor of all
        software products.

5.5     MAX/RSM shall be licensed for the then-applicable fees for Criteria
        license plus a certain premium (e.g., 10% to 15%), with automatic
        substitution of the principal product upon initiation of principal
        product use.

5.6     IQ agrees to provide LC with reasonable sales assistance relative to
        IQMAX and MAX/CMS. LC agrees to provide IQ with reasonable sales
        assistance relative to IQMAX and MAX/CMS. IQ agrees to inform all IQMAX
        prospects of the greater benefits of MAXSYS II, and agrees to license
        IQMAX only if the prospective client has no current interest or use for
        these additional benefits. IQ and LC agree to regular exchange of sales
        lead and prospect information.

                                                                     Page 2 of 4
<PAGE>   20
               DRAFT LETTER OF INTENT BETWEEN INTERQUAL ("IQ") AND
                   LANDA MANAGEMENT SYSTEMS CORPORATION("LC")
                                  12 JULY 1995

6.0     PRICING.

6.1     LC reserves the right to determine and set any and all applicable
        license fees for its software products.

6.2     IQ reserves the right to determine and set any and all applicable
        license fees for its Criteria products.

6.3     LC and IQ intend to determine and set mutually-acceptable license fees
        for Max/CMS, IQMax, and Max/RSM.

6.4     IQ and LC agree to provide three months' advance notice prior to
        effectuating any changes in license fees.

7.      LEAD GENERATION AND SALES COMMISSIONS

7.1     The purpose of intercompany lead generation and sales commissions is to
        provide incentives for each party's marketing and sales forces to
        actively promote the interest of the other party.

7.2     A lead generation commission will be payable to the party who initiates
        a sales contact that results in the licensing of the products shown in
        section two herein. The definition of "sales initiation" and the
        determination of any applicable commission amounts and structures shall
        be agreed by the LC and IQ sales & marketing departments.

7.3     A sales commission will be payable to the party where the other party
        provided "substantial" sales assistance. The definition of "substantial"
        and the determination of any applicable commission amounts and
        structures is to be agreed by the LC and IQ sales & marketing
        departments.

8.      LICENSE REVENUE. Except for commissions, each party receives its own
        license fees directly from the licensing of its products. LC will
        receive fees from software licenses, and IQ will receive fees from its
        Criteria licenses.

9.      CUSTOMER TRAINING AND SUPPORT. All substantive training and support with
        respect to the usage of the Criteria shall be the obligation of IQ. All
        substantive training and support with respect to the usage of software
        products shall be the obligation of LC. Unless mutually agreed at a
        later date between the parties, LC shall have the sole responsibility
        for the implementation of all software systems.

10.     LICENSE OF SOFTWARE FOR IQ USAGE.

        LC agrees to license at no cost to IQ one or more copies of IQMaxto be
        used solely for the purposes of sales presentations and assessment of
        conformance to Criteria standards. IQ agrees that it will take all
        reasonable steps to protect and prevent the software from being used
        without authority by any third party.

                                                                     Page 3 of 4
<PAGE>   21
               DRAFT LETTER OF Intent BETWEEN InterQual ("IQ") AND
                   LANDA MANAGEMENT SYSTEMS CORPORATION ("LC")
                                  12 JULY 1995

11.     FUTURE PROJECTS. The parties agree to investigate the feasibility of the
        development of services, processes and products to augment revenues BY
        enabling clients to make use of emerging technologies such as electronic
        data interchange (EDI).

12.     RELATIONSHIP. The relationship between the parties is one of good faith
        cooperation. No formal joint venture is contemplated nor may such be
        inferred. Neither party is an agent of the other. Neither party can
        commit the other except as specifically agreed.

13.     NON-EXCLUSIVE AGREEMENT. This agreement is not exclusive. LC may
        incorporate the criteria of other parties into its software, and IQ may
        arrange for others to incorporate its Criteria into the software of
        other parties. Nonetheless, this agreement shall be of a preferential
        nature. Each party acknowledges an intent to accord preferential
        treatment to the other in the belief that this arrangement is in each
        other's best interest.

14.     EXECUTION. The parties acknowledge each to the other that this Letter of
        Intent is entered upon good faith with the express intent to induce each
        to expend valuable human and financial resources. It is the expectation
        of both parties that after prompt review and negotiation, the Intent
        will be embodied into a formal agreement binding IQ and LC into a
        cooperative venture.

FOR INTERQUAL:                         FOR LANDA MANAGEMENT SYSTEMS
                                       CORPORATION:

Charles M. Jacobs, CEO                 Stephen P. Kay, COO

Signature: /s/ CHARLES M. JACOBS       Signature: /s/ STEPHEN P. KAY
          -------------------------              ----------------------------

Date: 7-19-95                          Date: 13-JUL-95
     ------------------------------         ---------------------------------

                                                                     Page 4 of 4<PAGE>   1
                                                                   EXHIBIT 10.16

                    LICENSE AGREEMENT - SOFTWARE DEVELOPERS

               THIS AGREEMENT, dated August 17, 1998, is between MILLIMAN &
ROBERTSON, INC. ("M&R") and LANDACORP. ("Licensee").

                                    RECITALS

        M&R and Licensee acknowledge the following:

A. M&R has developed the Healthcare Management Guidelines, Volumes 1, 2, 3, 4,
5, 6, and 7 (the "Guidelines") for use by qualified medical personnel in
managing healthcare delivery and workers compensation systems. M&R holds the
copyright of these Guidelines.

B. Licensee is developing software systems (the "Software") designed to utilize
or display the data contained in the Guidelines.

C. M&R is willing to grant Licensee the right to utilize the Guidelines and make
copies of the computer-readable copy of the Guidelines as part of the Software
subject to the terms and conditions set forth below.

                                   AGREEMENTS

               In consideration of the Recitals and the promises and agreements
set forth below, M&R and Licensee agree as follows:

1. Grant of License. M&R grants Licensee a non-exclusive, nontransferable
license to use the Guidelines during the term of the Agreement, including use
with Licensee's Software.

        a. Licensee may make such copies of the Guidelines as are necessary for
Licensee to develop the Software.

        b. M&R further grants Licensee the non-exclusive, nontransferable right
to make copies in computer-readable form of the Guidelines and to transfer such
copies of the Guidelines to customers who are healthcare or workers compensation
management organizations in the United States ("the Customers"), provided that
Licensee has verified with M&R that such customers have entered into a current
Customer License agreement and have paid the required license fee. The delivery
of any copy of the Guidelines shall not exceed the scope of the license granted
to the Customer in a Customer License Agreement. M&R shall have the sole and
absolute discretion to determine to whom it will grant a Customer License
Agreement.

        c. Licensee may only use the Guidelines in connection with the
development, sale and licensing of the Software. Use by Licensee of the
Guidelines for the purposes of managed care services or health care delivery is
prohibited without a separate licensee agreement for the Guidelines permitting
such use.

        d. This license agreement shall extend to such updates of the Guidelines
as M&R may create from time to time. M&R shall deliver such updates to Licensee
within a reasonable time after the release of the Update. Licensee agrees that
it will install the version of the Guidelines for which the client has a valid
license.

<PAGE>   2

License Agreement - Software Developers
Page 2

2. Unauthorized copying forbidden. Except as authorized in this agreement,
unauthorized copying or disclosure is strictly forbidden. Licensee may only use
the Guidelines at the installation site of Licensee and the Guidelines cannot be
used in any public computer system or computer based bulletin board system or be
otherwise made available or distributed to third parties. Any back-up or
archival copies shall include all notices required herein and no such notice
shall be deleted upon copying.

3. License Fee. No license fee shall be required under this agreement so long as
Licensee complies with its obligations hereunder.

4. Right to Review. M&R shall have the right to review and approve the manner in
which the Guidelines are utilized in the Software. M&R's approval will not be
unreasonably withheld. M&R shall also have the right to review and approve any
subsequent versions of the Software in which there is any material change in the
manner in which the Guidelines are utilized.

5. Title to Guidelines and Related Matters. Title to the Guidelines shall remain
with M&R. Licensee shall not remove, alter, cover or obfuscate any copyright
notices or other proprietary rights notices placed or embedded by M&R on or in
the Guidelines. Licensee shall have no right to use any trademark, service mark,
logo or tradename of M&R without M&R's prior express written consent. Licensee
shall make no representation that M&R has approved, sanctioned, recommended or
otherwise endorsed the Software.

6. Ownership of Software. Licensee shall retain exclusive ownership rights and
interests in the Software and M&R shall acquire no rights in the Software by
virtue of this agreement.

7. Confidentiality. Licensee acknowledges that the Guidelines have been
developed at great expense to M&R. Licensee agrees to take all commercially
reasonable precautions to prevent any unauthorized copying or use of the
Guidelines. To protect M&R's interest in maintaining the copyright of the
Guidelines, Licensee agrees that it will not permit any copies of the Guidelines
to be made unless the prior written consent of M&R is obtained or except as
authorized in this License Agreement. Licensee agrees not to market this
material in such a way as to impede M&R's proprietary interests in the material.

8. Limited Warranty. In the event of any defect in the magnetic medium
containing the Guidelines, M&R will replace the defective diskette(s) upon
request, which shall be the sole obligation of M&R and the exclusive remedy of
Licensee. M&R DISCLAIMS ALL OTHER EXPRESS AND ALL IMPLIED WARRANTIES INCLUDING
WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE OF LICENSEE.

9. Limited Warranty and Remedies re American Medical Association CPT Codes. The
Guidelines contain files of CPT codes that are copyrighted by the American
Medical Association (the "CPT file"). Licensee acknowledges that the CPT files
are provided "as is" and that the AMA makes no warranty of any kind, either
express or implied, including, but not limited to, the implied warranties of
merchantability and fitness for a particular purpose. The AMA bears no
responsibility for problems as to the quality or performance of the CPT files.
The AMA has no responsibility for any servicing, repair or correction if the CPT
files prove to be defective.

<PAGE>   3

License Agreement - Software Developers
Page 3

        The American Medical Association disclaims responsibility for any
consequences attributable to or related to any uses, non-use or interpretation
of information contained in or not contained in the CPT file. The AMA shall not
be deemed to be engaged in the practice of medicine or dispensing medical
services.

        Licensee acknowledges that in no event will AMA be liable to Licensee
for any damages, including any lost profits, lost savings or other incidental or
consequential damages arising out of possibility of such damages, or for any
claim by any other party.

        AMA does not warrant that the data contained in the CPT file will meet
Licensee's requirements or that the operation of the CPT file will be
uninterrupted or without error. Licensee acknowledges that the CPT files have
not been developed according to Licensee's specification or otherwise
custom-made.

10. Government Data Rights Notice if Government Personnel Have Access. The
Software and documentation is provided with restricted rights. The Use,
Duplication, or Disclosure by the Government is subject to restrictions as set
forth in subdivision (c)(1)(ii) of the Rights in Technical Data and Computer
Software clause at 252.277-7013 or restricted rights clauses at 48 CFR 52.227-19
or 52.227-14, as applicable. Any applicable notices to preserve restricted
rights are incorporated herein by reference. Contractor/Manufacturer is Milliman
& Robertson, Inc. 1301 Fifth Avenue, Suite 3800, Seattle, Washington 98101-2605.

12. Indemnification and Hold Harmless. Licensee agrees to indemnify and hold
harmless M&R, its officers, employees and agents, from and against all loss,
damages, liability and expense incurred by reason of any claims, actions, suits
or governmental investigations or proceedings, brought against or involving them
or any of them (excluding claims or suits brought by Licensee), which relate to
or arise out of (1) changes or modifications to the Guidelines made by Licensee,
(2) representations or warranties made by Licensee which exceed that made in
paragraph 8 above, (3) failure by Licensee to accurately copy or reproduce the
Guidelines for any Customer, or (4) any breach of this agreement by Licensee.

13. Term of License Termination. The license to use the Guidelines granted
herein shall be perpetual, unless terminated pursuant to the provisions in this
paragraph.

        a. M&R may terminate this license to use the Guidelines for any reason
upon 60 days written notice to Licensee.

        b. Licensee may terminate this license agreement at any time upon
written notice to M&R and certification that Licensee has deleted or erased all
copies of the Guidelines in its possession, custody or control.

        c. If Licensee breaches this agreement, and such breach remains uncured
for ten days after notice, the Agreement will terminate.

14. Post Termination. Upon termination of the license, Licensee shall
immediately return all copies of the Guidelines in its possession to M&R.

15. Liability Upon Termination. Neither party shall be liable to the other party
for damages, losses, costs or expenses of any kind or character whatsoever on
account of the termination of this Agreement, whether such damages, losses,
costs or expenses arise out of the distribution of the Guidelines or from the
loss of prospective sales or expenses incurred or investments made in connection
with the establishment, development or maintenance of Licensee's business.

<PAGE>   4

License Agreement - Software Developers
Page 4

16. No Transfer. Licensee agrees that it will not transfer the Guidelines or
assign its rights under this Agreement without the prior written consent of M&R,
which consent shall not be unreasonably withheld.

17. Injunctive Relief. The parties acknowledge and agree that damages would be
an inadequate remedy for M&R resulting from a breach by Licensee of its
obligations thereunder and that M&R shall be entitled to injunctive relief in
the event of such a breach, in addition to any other remedy at law or in equity
which may otherwise be available to M&R.

18. No Waiver. No waiver by one party of any breach by the other party shall be
valid unless in writing and no such waiver shall extend to any other breach.

19. Entire Agreement. This Agreement constitutes the entire agreement between
the parties relating to the subject matter hereof and shall supersede all prior
or contemporaneous written or oral understandings or agreements. This Agreement
may be amended only by a written document signed by duly authorized
representatives of M&R and Licensee.

20. Governing Law. The interpretation, construction and enforcement of this
Agreement shall be governed by the laws of the State of Washington.

21. No Assignment. Licensee may not assign this Agreement without the written
consent of M&R which consent will not be unreasonably withheld.

                                        LANDACORP

                                        By: /s/ [SIGNATURE ILLEGIBLE]
                                           -------------------------------------

                                        Title: COO
                                              ----------------------------------

                                        Date: August 24th, 1998
                                             -----------------------------------

                                        MILLIMAN & ROBERTSON, INC.

                                        By: /s/ [SIGNATURE ILLEGIBLE]
                                           -------------------------------------

                                        Title: DIRECTOR
                                              ----------------------------------

                                        Date: 9/1/98
                                             -----------------------------------

<PAGE>   5

                     LICENSE AGREEMENT - SOFTWARE DEVELOPERS

               THIS AGREEMENT, dated August 17, 1998, is between MILLIMAN &
ROBERTSON, INC. ("M&R") and LANDACORP. ("Licensee").

                                    RECITALS

        M&R and Licensee acknowledge the following:

A. M&R has developed the Healthcare Management Guidelines, Volumes 1, 2, 3, 4,
5, 6, and 7 (the "Guidelines") for use by qualified medical personnel in
managing healthcare delivery and workers compensation systems. M&R holds the
copyright of these Guidelines.

B. Licensee is developing software systems (the "Software") designed to utilize
or display the data contained in the Guidelines.

C. M&R is willing to grant Licensee the right to utilize the Guidelines and make
copies of the computer-readable copy of the Guidelines as part of the Software
subject to the terms and conditions set forth below.

                                   AGREEMENTS

               In consideration of the Recitals and the promises and agreements
set forth below, M&R and Licensee agree as follows:

1. Grant of License. M&R grants Licensee a non-exclusive, nontransferable
license to use the Guidelines during the term of the Agreement, including use
with Licensee's Software.

        a. Licensee may make such copies of the Guidelines as are necessary for
Licensee to develop the Software.

        b. M&R further grants Licensee the non-exclusive, nontransferable right
to make copies in computer-readable form of the Guidelines and to transfer such
copies of the Guidelines to customers who are healthcare or workers compensation
management organizations in the United States ("the Customers"), provided that
Licensee has verified with M&R that such customers have entered into a current
Customer License agreement and have paid the required license fee. The delivery
of any copy of the Guidelines shall not exceed the scope of the license granted
to the Customer in a Customer License Agreement. M&R shall have the sole and
absolute discretion to determine to whom it will grant a Customer License
Agreement.

        c. Licensee may only use the Guidelines in connection with the
development, sale and licensing of the Software. Use by Licensee of the
Guidelines for the purposes of managed care services or health care delivery is
prohibited without a separate licensee agreement for the Guidelines permitting
such use.

        d. This license agreement shall extend to such updates of the Guidelines
as M&R may create from time to time. M&R shall deliver such updates to Licensee
within a reasonable time after the release of the Update. Licensee agrees that
it will install the version of the Guidelines for which the client has a valid
license.

<PAGE>   6

License Agreement - Software Developers
Page 2

2. Unauthorized copying forbidden. Except as authorized in this agreement,
unauthorized copying or disclosure is strictly forbidden. Licensee may only use
the Guidelines at the installation site of Licensee and the Guidelines cannot be
used in any public computer system or computer based bulletin board system or be
otherwise made available or distributed to third parties. Any back-up or
archival copies shall include all notices required herein and no such notice
shall be deleted upon copying.

3 License Fee. No license fee shall be required under this agreement so long as
Licensee complies with its obligations hereunder.

4. Right to Review. M&R shall have the right to review and approve the manner in
which the Guidelines are utilized in the Software. M&R's approval will not be
unreasonably withheld. M&R shall also have the night to review and approve any
subsequent versions of the Software in which there is any material change in the
manner in which the Guidelines are utilized.

5. Title to Guidelines and Related Matters. Title to the Guidelines shall
remain with M&R. Licensee shall not remove, alter, cover or obfuscate any
copyright notices or other proprietary rights notices placed or embedded by M&R
on or in the Guidelines. Licensee shall have no right to use any trademark,
service mark, logo or tradename of M&R without M&R's prior express written
consent. Licensee shall make no representation that M&R has approved,
sanctioned, recommended or otherwise endorsed the Software.

6. Ownership of Software. Licensee shall retain exclusive ownership rights and
interests in the Software and M&R shall acquire no rights in the Software by
virtue of this agreement.

7. Confidentiality. Licensee acknowledges that the Guidelines have been
developed at great expense to M&R. Licensee agrees to take all commercially
reasonable precautions to prevent any unauthorized copying or use of the
Guidelines. To protect M&R's interest in maintaining the copyright of the
Guidelines, Licensee agrees that it will not permit any copies of the Guidelines
to be made unless the prior written consent of M&R is obtained or except as
authorized in this License Agreement. Licensee agrees not to market this
material in such a way as to impede M&R's proprietary interests in the material.

8. Limited Warranty. In the event of any defect in the magnetic medium
containing the Guidelines, M&R will replace the defective diskette(s) upon
request, which shall be the sole obligation of M&R and the exclusive remedy of
Licensee. M&R DISCLAIMS ALL OTHER EXPRESS AND ALL IMPLIED WARRANTIES INCLUDING
WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE OF LICENSEE.

9. Limited Warranty and Remedies re American Medical Association CPT Codes. The
Guidelines contain files of CPT codes that are copyrighted by the American
Medical Association (the "CPT FILE"). Licensee acknowledges that the CPT files
are provided "as is" and that the AMA makes no warranty of any kind, either
express or implied, including, but not limited to, the implied warranties of
merchantability and fitness for a particular purpose. The AMA bears no
responsibility for problems as to the quality or performance of the CPT files.
The AMA has no responsibility for any servicing, repair or correction if the CPT
files prove to be defective.

<PAGE>   7

License Agreement - Software Developers
Page 3

        The American Medical Association disclaims responsibility for any
consequences attributable to or related to any uses, non-use or interpretation
of information contained in or not contained in the CPT file. The AMA shall not
be deemed to be engaged in the practice of medicine or dispensing medical
services.

        Licensee acknowledges that in no event will AMA be liable to Licensee
for any damages, including any lost profits, lost savings or other incidental or
consequential damages arising out of possibility of such damages, or for any
claim by any other party.

        AMA does not warrant that the data contained in the CPT file will meet
Licensee's requirements or that the operation of the CPT file will be
uninterrupted or without error. Licensee acknowledges that the CPT files have
not been developed according to Licensee's specification or otherwise
custom-made.

10. Government Data Rights Notice if Government Personnel Have Access. The
Software and documentation is provided with restricted rights. The Use,
Duplication, or Disclosure by the Government is subject to restrictions as set
forth in subdivision (c)(1)(ii) of the Rights in Technical Data and Computer
Software clause at 252.277-7013 or restricted rights clauses at 48 CFR 52.227-19
or 52.227-14, as applicable. Any applicable notices to preserve restricted
rights are incorporated herein by reference. Contractor/Manufacturer is Milliman
& Robertson, Inc. 1301 Fifth Avenue, Suite 3800, Seattle, Washington 98101-2605.

12. Indemnification and Hold Harmless. Licensee agrees to indemnify and hold
harmless M&R, its officers, employees and agents, from and against all loss,
damages, liability and expense incurred by reason of any claims, actions, suits
or governmental investigations or proceedings, brought against or involving them
or any of them (excluding claims or suits brought by Licensee), which relate to
or arise out of (1) changes or modifications to the Guidelines made by Licensee,
(2) representations or warranties made by Licensee which exceed that made in
paragraph 8 above, (3) failure by Licensee to accurately copy or reproduce the
Guidelines for any Customer, or (4) any breach of this agreement by Licensee.

13. Term of License Termination. The license to use the Guidelines granted
herein shall be perpetual, unless terminated pursuant to the provisions in this
paragraph.

        a. M&R may terminate this license to use the Guidelines for any reason
upon 60 days written notice to Licensee.

        b. Licensee may terminate this license agreement at any time upon
written notice to M&R and certification that Licensee has deleted or erased all
copies of the Guidelines in its possession, custody or control.

        c. If Licensee breaches this agreement, and such breach remains uncured
for ten days after notice, the Agreement will terminate.

14. Post Termination. Upon termination of the license, Licensee shall
immediately return all copies of the Guidelines in its possession to M&R.

15. Liability Upon Termination. Neither party shall be liable to the other party
for damages, losses, costs or expenses of any kind or character whatsoever on
account of the termination of this Agreement, whether such damages, losses,
costs or expenses arise out of the distribution of the Guidelines or from the
loss of prospective sales or expenses incurred or investments made in connection
with the establishment, development or maintenance of Licensee's business.

<PAGE>   8

License Agreement - Software Developers
Page 4

16. No Transfer. Licensee agrees that it will not transfer the Guidelines or
assign its rights under this Agreement without the prior written consent of M&R,
which consent shall not be unreasonably withheld.

17. Injunctive Relief. The parties acknowledge and agree that damages would be
an inadequate remedy for M&R resulting from a breach by Licensee of its
obligations thereunder and that M&R shall be entitled to injunctive relief in
the event of such a breach, in addition to any other remedy at law or in equity
which may otherwise be available to M&R.

18. No Waiver. No waiver by one party of any breach by the other party shall be
valid unless in writing and no such waiver shall extend to any other breach.

19. Entire Agreement. This Agreement constitutes the entire agreement between
the parties relating to the subject matter hereof and shall supersede all prior
or contemporaneous written or oral understandings or agreements. This Agreement
may be amended only by a written document signed by duly authorized
representatives of M&R and Licensee.

20. Governing Law. The interpretation, construction and enforcement of this
Agreement shall be governed by the laws of the State of Washington.

21. No Assignment. Licensee may not assign this Agreement without the written
consent of M&R which consent will not be unreasonably withheld.

                                        LANDACORP

                                        By: /s/ [SIGNATURE ILLEGIBLE]
                                           -------------------------------------

                                        Title: COO
                                              ----------------------------------

                                        Date: August 24th, 1998
                                             -----------------------------------

                                        MILLIMAN & ROBERTSON, INC.

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

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

                                        Date:
                                             -----------------------------------
<PAGE>   9
                    [MILLIMAN & ROBERTSON, INC. LETTERHEAD]

[HMG LOGO]

HMG PRICE LIST

Licensing

Each volume licensed includes a hardcover book, knowledgebase data file, and if
licensed, HMG or HSIM OnLine diskette(s). The following fee schedule is per
volume and applies to the initial license. The annual renewal fee is equal to
40% of M&R's then-current license fee and is due on the anniversary date of the
license.

The knowledgebase file is designed to embed into your healthcare management
system. The data within these knowledgebase files are structured to allow
convenience access to the Guidelines. We also have a list of software vendors
who have developed applications that incorporate the Guidelines. This list is
available upon request. THE KNOWLEDGEBASE FILES DO NOT ALLOW VIEWING OR
PRINTING OF THE GUIDELINES FROM THE DISKETTE.

For those customers who do not want to create a custom application for viewing
selected guidelines, we recommend purchasing the network version of HMG or HSIM
OnLine. The HMG or HSIM OnLine network installation program supports
installation of components on a server, on a local or network Windows client,
and on stand-alone systems.

-----------------------------------------------------
ALL PRICES ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE
-----------------------------------------------------

Multiple Book
Order Discounts

<TABLE>
<CAPTION>
  NUMBER OF
COPIES/VOLUME                   DISCOUNT/VOLUME
-------------                   ---------------
<S>                             <C>
Less than 5                            0%
  5 -  24                              5%
 25 -  49                             10%
 50 -  99                             15%
100 - 199                             20%
</TABLE>

HMG/HSIM Base Price List

<TABLE>
<CAPTION>
                                                                              NETWORK
                                                                 STANDARD       HMG
                              PRODUCT                            FORMAT**     ONLINE***   INTERNET
--------------------------------------------------------------   --------     ---------   --------
<S>                                                               <C>         <C>         <C>
Vol. 1: Inpatient and Surgical Care                               $  500      $  750       $  450
Vol. 2: Return-to-Work Planning                                      400         600          360
Vol. 3: Ambulatory Surgery Guidelines                                400         600          360
Vol. 4: Case Management; Home Care                                   500         750          450
Vol. 5: Ambulatory, Primary, and Pharmaceutical Care                 500         750          450
Vol. 6: Case Management; Recovery Facility Care                      500         750          450
Vol. 7: Workers Compensation                                         400         600          360
Continuum of Care Package: V. 1, 4 & 6                             1,250       1,875        1,125
Primary and Continuum of Care Package: V. 1, 4, 5 & 6              1,660       2,480        1,494
HSIM - Pediatrics+                                                 1,850       2,775        1,665
HSIM - Dental+                                                       250         375          225
Healthcare Companion+                                                 70         105           63
</TABLE>

---------------
**  Standard Format applies to books or the knowledgebase file.
*** HMC OnLine applies to licensing arrangements only.
+   Available 3rd Quarter 1998.

     ----------------------------------------------------------------------
                         CALCULATING HGM/HSIM LICENSES:
      Multiply the price of the desired product in the Base Price List by
       the appropriate licensing factor from the Licensing Factors table.
                        Repeat for each product ordered.
     ----------------------------------------------------------------------

Licensing Factors

<TABLE>
<CAPTION>
                                                              NUMBER OF
                       NUMBER OF                             NEW CLAIMS/        NUMBER OF
    MEMBERS             STAFFED           NUMBER OF             MONTH              CASE            PRICING
  (IN 1000s)*             BEDS            CLINICIANS         (IN 1000s)          MANAGERS          FACTOR
---------------     ----------------    --------------     --------------     --------------    ------------
<S>                 <C>                 <C>                <C>                <C>               <C>
   Less than 50       Less than 75       Less than 75        Less than 5        Less than 5           20
     50 -    99         75 -   149         75 - 124            5 -   9            5 -   9             25
    100 -   149        150 -   199        125 - 159           10 -  14           10 -  14             35
    150 -   199        200 -   299        160 - 199           15 -  19           15 -  19             40
    200 -   299        300 -   399        200 - 239           20 -  29           20 -  29             50
    300 -   399        400 -   549        240 - 269           30 -  39           30 -  39             62
    400 -   499        550 -   699        270 - 299           40 -  49           40 -  49             75
    500 -   749        700 -   999        300 - 374           50 -  74           50 -  74             90
    750 -   999      1,000 - 1,249        375 - 449           75 -  99           75 -  99            110
  1,000 - 1,249      1,250 - 1,749        450 - 524          100 - 124          100 - 124            130
  1,250 - 1,499      1,750 - 1,999        525 - 599          125 - 149          125 - 149            150
  1,500 - 1,749      2,000 - 2,249        600 - 674          150 - 174          150 - 174            185
  1,750 - 1,999      2,250 - 2,749        675 - 749          175 - 199          175 - 199            180
  2,000 +            2,750 +              750 +              200 +              200 +          180 + excess
                                                                                                  factor
---------------     ----------------    --------------     --------------     --------------    ------------
  40/million          .04/bed in        .333/clinician        40/1000          40/individual
  members in           excess of           in excess       monthly claims      case managers
  excess of            2,750 beds           of 750            in excess          in excess
  2 million                                                    of 200             of 200
</TABLE>

<PAGE>   10
                    [MILLIMAN & ROBERTSON, INC. LETTERHEAD]

[HMG LOGO] HMG PRICE LIST

Licensing

Each volume licensed includes a hardcover book, knowledgebase data file, and if
licensed, HMG or HSIM OnLine diskette(s). The following fee schedule is per
volume and applies to the initial license. The annual renewal fee is equal to
40% of M&R's then-current license fee and is due on the anniversary date of the
license.

The knowledgebase file is designed to embed into your healthcare management
system. The data within these knowledgebase files are structured to allow
convenient access to the Guidelines. We also have a list of software vendors who
have developed applications that incorporate the Guidelines. This list is
available upon request. THE KNOWLEDGEBASE FILES DO NOT ALLOW VIEWING OR PRINTING
OF THE GUIDELINES FROM THE DISKETTE.

For those customers who do not want to create a custom application for viewing
selected guidelines, we recommend purchasing the network version of HMG or HSIM
OnLine. The HMG or HSIM OnLine network installation program supports
installation of components on a server, on a local or network Windows client,
and on stand-alone systems.

             ALL PRICES ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE

                         Multiple Book Order Discounts

<TABLE>
<CAPTION>
  NUMBER OF
COPIES/VOLUME     DISCOUNT/VOLUME
-------------     ---------------
<S>               <C>
      <5                0%
  5 - 24                5%
 25 - 49               10%
 50 - 99               15%
100 - 199              20%
</TABLE>

                            HMG/HSIM Base Price List

<TABLE>
<CAPTION>
                                                                         NETWORK
                                                       STANDARD            HMG
         PRODUCT                                       FORMAT**          ONLINE***         INTERNET
         -------                                       --------          ---------         --------
<S>                                                    <C>               <C>               <C>
Vol. 1: Inpatient and Surgical Care                     $  500            $  750             $  450
Vol. 2: Return-to-Work Planning                            400               600                360
Vol. 3: Ambulatory Surgery Guidelines                      400               600                360
Vol. 4: Case Management Home Care                          500               750                450
Vol. 5: Ambulatory, Primary, and Pharmaceutical Care       500               750                450
Vol. 6: Case Management Recovery Facility Care             500               750                450
Vol. 7: Workers Compensation                               400               600                360
Continuum of Care Package: V. 1, 4 & 6                   1,250             1,675              1,125
Primary and Continuum of Care Package: V. 1, 4, 5 & 6    1,660             2,490              1,494
HSIM - Pediatrics(dagger sign)                           1,850             2,775              1,665
HSIM - Dental(dagger sign)                                 250               375                225
Healthcare Companion(dagger sign)                           70               105                 63
</TABLE>

** Standard Format applies to books or the knowledgebase file.
***HMG OnLine applies to licensing arrangements only.
(dagger sign) Available 3rd Quarter 1998.

                         CALCULATING HMG/HSIM LICENSES:
      Multiply the price of the desired product in the Base Price List by
       the appropriate licensing factor from the Licensing Factors table.
                        Repeat for each product ordered.

Licensing Factors

<TABLE>
<CAPTION>
                                                       NUMBER OF
                   NUMBER OF                          NEW CLAIMS/       NUMBER OF
   MEMBERS          STAFFED         NUMBER OF           MONTH             CASE              PRICING
(IN 1,000S)*         BEDS           CLINICIANS        (IN 1,000S)        MANAGERS           FACTOR
------------      -----------       ----------        -----------       ---------         ----------
<S>               <C>               <C>               <C>               <C>               <C>
        <50               <75             <75                <5               <5              20
      50-99            75-149          75-124               5-9              5-9              25
    100-149           150-199         125-159             10-14            10-14              35
    150-199           200-299         160-199             15-19            15-19              40
    200-299           300-399         200-239             20-29            20-29              50
    300-399           400-549         240-269             30-39            30-39              62
    400-499           550-699         270-299             40-49            40-49              75
    500-749           700-999         300-374             50-74            50-74              90
    750-999       1,000-1,249         375-449             75-99            75-99             110
1,000-1,249       1,250-1,749         450-524           100-124          100-124             130
1,250-1,499       1,750-1,999         525-599           125-149          125-149             150
1,500-1,749       2,000-2,249         600-674           150-174          150-174             165
1,750-1,999       2,250-2,749         675-749           175-199          175-199             180
     2,000+            2,750+            750+              200+             200+         180+ excess
                                                                                          factor
40/million        .04/bed in        .333/clin-         40/1000          40/indivi-
members in         excess of        ician in           monthly          case managers
excess of         2,750 beds        excess of          claims in        in excess
2 million                           750                excess of        of 200
                                                       200
</TABLE>

<PAGE>   11
                    [MILLIMAN & ROBERTSON, INC. LETTERHEAD]

April 2, 1998

Dear Clients and Friends:

                       HMG PRICING AND LICENSING CHANGES

Enclosed is our new price list, effective May 1, 1998, for the Healthcare
Management Guidelines(TM) (HMGs). Our number one objective, like yours, is to
provide a quality product to clients at a reasonable price.

The extensive investment M&R makes to maintain a high quality product combined
with our effort to annually update the Guidelines creates a need to increase
prices. Therefore, the licensing price schedule and the price for individual
volumes for many of our publications will increase. Some clients, however, will
actually see a net decrease in cost depending on which volumes are purchased or
licensed.

The HMGs are a good value as measured by our clients' ability to reduce the
cost of healthcare. Many clients have seen a return on their HMG and related
infrastructure investment of more than 5 to 10 times the amount invested. Here
is an example that helps illustrate the potential savings when appropriately
implementing the Guidelines:

     The first year license price for a 100,000 member HMO using Volumes 1, 4,
     and 6 is $43,750. The net financial impact of reducing the length of stay
     for a patient for one day is about $1,000. A reduction of 25-bed days/1000
     for the plan over one year would save $2.5 million or about 60 times the
     cost of the initial license. Most of our clients save far more than 25-bed
     days/1000 in their first year and enjoy these savings over many years. Even
     considering the additional infrastructure sometimes required to implement
     the Guidelines, such as additional case managers, the value is far greater
     than its cost.

Highlights of the new HMG pricing:

BOOKS

-    We've introduced variable pricing per publication. For example, the content
     and extent of Volume 1 is different from that in Volume 3, so the volumes
     are priced to reflect this.

-    We now have the capability to provide Internet-based access to the HMGs.
     Internet subscriptions are discounted 10% from hardcover book prices.

-    The best healthcare management strategy is to maximize one's health status
     throughout the healthcare continuum. We are committed to this concept and
     want to encourage use of those volumes that represent the core of this
     concept. We now have a package price for purchasing a set containing

<PAGE>   12
HMG Pricing
April 2, 1998
Page 2

     Volumes 1, 4, 5, and 6. Previously, we offered savings for purchasing the
     Continuum of Care Package (Volumes 1, 4, and 6). Now you can save even more
     by purchasing the Primary and Continuum of Care Package which includes
     Volumes 1, 4, 6, and Volume 5, Ambulatory, Primary, and Pharmaceutical
     Care. The Volume 5 diskette will, for the time being, not be integrated
     with Volumes 1, 4, and 6 until technical issues are resolved. Nevertheless,
     the package offers a 17% discount to purchase all four volumes.

LICENSES

-    We have moved to a 12-month, annual subscription for licenses, thereby
     eliminating the need to relicense when a new edition is released. When new
     editions are released during the 12-month license you will automatically
     receive the new edition at no additional license fee. In some cases this
     could mean you would receive more than one edition during the 12-month
     period. Licenses that are not renewed within 30-days of the renewal date
     will expire and you must cease use of the HMG/HSIM products.

-    The renewal fee remains at 40% of the current standard license fee. Since
     NCQA requires current Guideline use, the annual renewal helps you meet
     those requirements.

-    We have eliminated the cumbersome, staggered renewal dates on each product
     licensed. You will now have one simple-to-implement renewal date for all
     licensed HMG/HSIM products. For example:

          You have licensed Volume 1 with an expiration date of 8/31/98 and also
          licensed Volume 5 containing an expiration date of 11/30/98. Sixty
          days prior to 8/31/98 we will send you an invoice for 40% of the
          standard licensing fee for Volume 1 plus a prorated amount (in this
          case 9/12ths) of the 40% renewal fee for Volume 5. The new renewal
          date for both Volumes 1 and 5 becomes 9/1/99.

-    We are introducing a new service: complimentary technical consulting. In
     addition to the 10% training credit currently included with your license,
     you will receive the equivalent of 5% of your license fee each contract
     year for telephone- or email-based technical consulting regarding our
     software documentation. This consulting is designed to help you integrate
     the Guidelines into your healthcare management system and is provided
     exclusively by the HMG/HSIM Information Technology group.

If you have any questions about our new pricing or licensing process, please
call our Client Services Department toll-free at 888/HMG-HSIM (888-464-4746).
We appreciate your support of the Healthcare Management Guidelines and welcome
your suggestions on making the publications even more valuable to you.

Sincerely,

THE HMG/HSIM DEPARTMENT

Enclosure

<PAGE>   13
                    [MILLIMAN & ROBERTSON, INC. LETTERHEAD]

November 11, 1997

Ms. Joni Hill
Contract Administration
LANDACORP
1072 Marauder, Suite A
Chico, California 95973

Dear Joni:

Enclosed is your copy of the signed license agreement for the Healthcare
Management Guidelines(TM), Volumes 1, 3, 4, and 6.

I look forward to doing more business with you in the future.

Sincerely,

/s/ KATHY M. FARR
Kathy M. Farr
HMG Assistant

Enclosure
<PAGE>   14
        LICENSE TO USE ELECTRONIC VERSION OF MILLIMAN & ROBERTSON, INC.
                      HEALTHCARE MANAGEMENT GUIDELINES(TM)

1.   Milliman & Robertson, Inc. (M&R) grants the Licensee named in the
     accompanying invoice a license to use the electronic version of the
     Healthcare Management Guidelines(TM), (Volume 3, 8/97) for the number of
     computers, users, or members set forth in such invoice.

2.   Licensee is advised that the electronic version of the Guidelines, just
     like the paper version, is protected by U.S. and international copyright
     law and contains copyrighted material of third parties provided under
     license. Unauthorized copying or disclosure is strictly forbidden. Licensee
     may only use the Guidelines at the installation site of Licensee and the
     Guidelines cannot be used in any public computer system or computer based
     bulletin board system or be otherwise made available or distributed to
     third parties. Installation site shall be all the Licensees' locations
     where the Guidelines will be used. Any back-up or archival copies shall
     include all notices required herein and no such notice shall be deleted
     upon copying.

3.   In the event of any defect in the magnetic medium of the diskette
     containing the Guidelines, M&R will replace the defective diskette upon
     request. The foregoing shall be the sole obligation of M&R and the
     exclusive remedy of Licensee for any breach. M&R DISCLAIMS ALL OTHER
     EXPRESS AND ALL IMPLIED WARRANTIES INCLUDING WITHOUT LIMITATION THE IMPLIED
     WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OF
     LICENSEE.

4.   Limited Warranty and Remedies re American Medical Association CPT Codes.
     The Guidelines contain files of CPT codes which are copyrighted by the
     American Medical Association (the "CPT file"). Licensee acknowledges that
     the CPT file is provided "as is" and that the AMA makes no warranty of any
     kind, either express or implied, including, but not limited to, the implied
     warranties of merchantability and fitness for a particular purpose. The AMA
     bears no responsibility for problems as to the quality or performance of
     the CPT file. The AMA has no responsibility for any servicing, repair or
     correction if the CPT file proves to be defective. The American Medical
     Association disclaims responsibility for any consequences attributable to
     or related to any uses, non-use or interpretation of information contained
     in or not contained in the CPT file. The AMA shall not be deemed to be
     engaged in the practice of medicine or dispensing medical services.

     Licensee acknowledges that in no event will AMA be liable to Licensee for
     any damages, including any lost profits, lost savings or the incidental or
     consequential damages arising out of possibility of such damages, or for
     any claim by any other party.

     AMA does not warrant that the data contained in the CPT file will meet
     Licensee's requirements or that the operation of the CPT file will be
     uninterrupted or without error. Licensee acknowledges that the CPT file has
     not been developed according to Licensee's specification or otherwise
     custom-made.

5.   U.S. Government Rights. This product includes CPT which is commercial
     technical data and/or computer data bases and/or commercial computer
     software and/or commercial computer software documentation, as applicable
     which were developed exclusively at private expense by the American Medical
     Association, 515 N. State Street, Chicago Illinois, 60610. U.S. Government
     rights to use, modify, reproduce, release, perform, display, or disclose
     these technical data and/or computer data bases and/or computer software
     and/or computer software documentation are subject to the limited rights
     restrictions of DFARS 252.227-7015(b)(2) (June
<PAGE>   15
License to Use Electronic Version of
Milliman & Robertson, Inc. Healthcare Management Guidelines(TM)
Page 2

     1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995)
     and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of
     Defense procurements and the limited rights restrictions of FAR 52.227-14
     (June 1987) and/or subject to the restricted rights provisions of FAR
     52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any
     applicable agency FAR Supplements, for non-Department of Defense Federal
     procurements.

6.   If License breaches this agreement, and such breach remains uncured for
     thirty days after notice, the Agreement will terminate and Licensee must
     return or destroy all copies of the Guidelines.

     MILLIMAN & ROBERTSON, INC.              LANDACORP

     By:  /s/ DAVID AXENE                    By:  /s/ STEVE KAY
         ---------------------------             ---------------------------

     Date: 11/6//97                          Date: October 31, 1997
           -------------------------               -------------------------

<PAGE>   16
                ADDENDUM TO LICENSE TO USE ELECTRONIC VERSION OF
        MILLIMAN & ROBERTSON, INC. HEALTHCARE MANAGEMENT GUIDELINES(TM)

     1.  Expanded License. Notwithstanding the provisions of the License to the
contrary, LANDACORP shall have the right to reproduce and distribute the
electronic version of the Healthcare Management Guidelines ("Product") to its
customers ("End Users"), provided that LANDACORP previously has been informed
by Milliman & Robertson, Inc. ("M&R") that such End User has entered into a
standard Product license with M&R. M&R shall have sole discretion to determine
to whom it will license its Healthcare Management Guidelines and LANDACORP
shall have no right to require that any particular customer receive a license
from M&R. Additionally, LANDACORP may develop and distribute tools to End Users
to provide for more efficient use of the Product.

     2.  Ownership of Work Product. M&R has exclusive ownership rights and
copyright interest in the Product or has sufficient licensee right to license
it to LANDACORP and End Users. LANDACORP has exclusive ownership rights and
copyright interests in any software tools developed by or for LANDACORP for the
purpose stated in Paragraph 1 above. Each party will indemnify the other
against any liability or expense arising from claims by End Users or other
third parties pertaining to these representations.

     3.  Representations by LANDACORP. LANDACORP shall make no warranties or
representations with respect to the Healthcare Management Guidelines and shall
not represent that M&R has approved or endorsed the Product in any way.
LANDACORP shall not use the trademarks or service marks of M&R except in a
manner which has been authorized by M&R.

     4.  Term and Termination. The License shall continue until terminated by
mutual agreement or by a party after the other party does not correct a
material breach of the License within thirty (30) days after receiving written
notice from the party of the breach.

     5.  Assignment. The License may not be assigned without M&R's consent,
which consent shall not be unreasonably withheld.

     6.  Extent of Addendum. Except as modified herein, the terms and
conditions of the License are unaffected by this Amendment. Any further
modifications must be in writing and signed by authorized representatives of
M&R and LANDACORP.

MILLIMAN & ROBERTSON, INC.              LANDACORP

By: /s/ DAVID AXENE                     By: /s/ STEVE KAY
    ---------------------------         ---------------------------

        David Axene                             Steve Kay
    ---------------------------         ---------------------------
          (Printed Name)                      (Printed Name)

Title: Principal                        Title: COO
       ------------------------                --------------------

Date: 11/6/97                           Date: October 31, 1997
      -------------------------               ---------------------

<PAGE>   17

        LICENSE TO USE ELECTRONIC VERSION OF MILLIMAN & ROBERTSON, INC.
                      HEALTHCARE MANAGEMENT GUIDELINES(TM)

1.   Milliman & Robertson, Inc. (M&R) grants the Licensee named in the
     accompanying invoice a license to use the electronic version of the
     Healthcare Management Guidelines(TM), (VOLUME 1, 11/96; AND VOLUME 6,
     11/96; VOLUME 4, 12/96 AND VOLUME 6, 11/96) for the number of computers,
     users, or members set forth in such invoice.

2.   Licensee is advised that the electronic version of the Guidelines, just
     like the paper version, is protected by U.S. and international copyright
     law and contains copyrighted material of third parties provided under
     license. Unauthorized copying or disclosure is strictly forbidden.
     Licensee may only use the Guidelines at the installation site of Licensee
     and the Guidelines cannot be used in any public computer system or
     computer based bulletin board system or be otherwise made available or
     distributed to third parties. Installation site shall be all the
     Licensees' locations where the Guidelines will be used. Any back-up or
     archival copies shall include all notices required herein and no such
     notice shall be deleted, upon copying.

3.   In the event of any defect in the magnetic medium of the diskette
     containing the Guidelines, M&R will replace the defective diskette upon
     request. The foregoing shall be the sole obligation of M&R and the
     exclusive remedy of Licensee for any breach. M&R DISCLAIMS ALL OTHER
     EXPRESS AND ALL IMPLIED WARRANTIES INCLUDING WITHOUT LIMITATION THE
     IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
     OF LICENSEE.

4.   Limited Warranty and Remedies re American Medical Association CPT codes.
     The Guidelines contain files of CPT codes which are copyrighted by the
     American Medical Association (the "CPT file"). Licensee acknowledges that
     the CPT file is provided "as is" and that the AMA makes no warranty of any
     kind, either express or implied, including, but not limited to, the
     implied warranties of merchantability and fitness for a particular
     purpose. The AMA bears no responsibility for problems as to the quality or
     performance of the CPT file. The AMA has no responsibility for any
     servicing, repair or correction if the CPT file proves to be defective.
     The American Medical Association disclaims responsibility for any
     consequences attributable to or related to any uses, non-use or
     interpretation of information contained in or not contained in the CPT
     file. The AMA shall not be deemed to be engaged in the practice of
     medicine or dispensing medical services.

     Licensee acknowledges that in no event will AMA be liable to Licensee for
     any damages, including any lost profits, lost savings or the incidental or
     consequential damages arising out of possibility of such damages, or for
     any claim by any other party.

     AMA does not warrant that the data contained in the CPT file will meet
     Licensee's requirements or that the operation of the CPT file will be
     uninterrupted or without error. Licensee acknowledges that the CPT file
     has not been developed according to Licensee's specification or otherwise
     custom-made.

5.   U.S. Government Rights. This product includes CPT which is commercial
     technical data and/or computer data bases and/or commercial computer
     software and/or commercial computer software documentation, as applicable
     which were developed exclusively at private expense by the American
     Medical Association, 515 N. State Street, Chicago, Illinois, 60610. U.S.
     Government rights to use, modify, reproduce, release, perform, display, or
     disclose these technical data and/or computer data bases and/or computer
     software and/or computer software

<PAGE>   18
License to Use Electronic version of
Milliman & Robertson, Inc. Healthcare Management Guidelines[TM]
Page 2

     documentation are subject to the limited rights restrictions of DFARS
     252.227-7015(b)(2)(June 1995) and/or subject to the restrictions of DFARS
     227.7202-1(a)(June 1995) and DFARS 227.7202-3(a)(June 1995), as applicable
     for U.S. Department of Defense procurements and the limited rights
     restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted
     rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June
     1987), as applicable, and any applicable agency FAR Supplements, for
     non-Department of Defense Federal procurements.

6.   If Licensee breaches this agreement, and such breach remains uncured for
     thirty days after notice, the Agreement will terminate and Licensee must
     return or destroy all copies of the Guidelines.

7.   This agreement shall have a term of one year from the date of execution.
     The initial term may be extended for additional one-year terms by payment
     of an additional license fee at M&R's then current fee schedule. This
     agreement shall also terminate if Licensee fails to comply with the terms
     of this agreement and fails to cure such default within 15 days of notice
     from M&R. Upon termination, Licensee shall destroy or return to M&R all
     copies of the Guidelines and shall have no further right to copy or use the
     Guidelines in any form.

     MILLIMAN & ROBERTSON, INC.                   LANDACORP

     By: /s/ [Signature Illegible]                By:  [Signature Illegible]
         -----------------------------               ---------------------------

     Date: 10/30/97                               Date: 10/7/97
          ----------------------------                 -------------------------
<PAGE>   19
                ADDENDUM TO LICENSE TO USE ELECTRONIC VERSION OF
        MILLIMAN & ROBERTSON, INC. HEALTHCARE MANAGEMENT GUIDELINES(TM)

      1.    Expanded License. Notwithstanding the provisions of the License to
the contrary, LANDACORP shall have the right to reproduce and distribute the
electronic version of the Healthcare Management Guidelines ("Product") to its
customers ("End Users"), provided that LANDACORP previously has been informed
by Milliman & Robertson, Inc. ("M&R") that such End User has entered into a
standard Product license with M&R. M&R shall have sole discretion to determine
to whom it will license its Healthcare Management Guidelines and LANDACORP
shall have no right to require that any particular customer receive a license
from M&R. Additionally, LANDACORP may develop and distribute tools to End Users
to provide for more efficient use of the Product.

      2.    Ownership of Work Product. M&R has exclusive ownership rights and
copyright interest in the Product or has sufficient licensee right to license
it to LANDACORP and End Users. LANDACORP has exclusive ownership rights and
copyright interests in any software tools developed by or for LANDACORP for the
purpose stated in Paragraph 1 above. Each party will indemnify the other
against any liability or expense arising from claims by End Users or other
third parties pertaining to these representations.

      3.    Representations by LANDACORP. LANDACORP shall make no warranties or
representations with respect to the Healthcare Management Guidelines and shall
not represent that M&R has approved or endorsed the Product in any way.
LANDACORP shall not use the trademarks or service marks of M&R except in a
manner which has been authorized by M&R.

      4.    Term and Termination. The License shall continue until terminated
by mutual agreement or by a party after the other party does not correct a
material breach of the License within thirty (30) days after receiving written
notice from the party of the breach.

      5.    Assignment. The License may not be assigned without M&R's consent,
which consent shall not be unreasonably withheld.

      6.    Extent of Addendum. Except as modified herein, the terms and
conditions of the License are unaffected by this Amendment. Any further
modifications must be in writing and signed by authorized representatives of
M&R and LANDACORP.

MILLIMAN & ROBERTSON, INC.                   LANDACORP

By:       /s/ DAVID AXENE                    By:         /s/ S. P. KAY
   --------------------------------             --------------------------------

             DAVID AXENE                                    S.P. KAY
   --------------------------------             --------------------------------
           (Printed Name)                                (Printed Name)

Title:       Principal                       Title:         C.O.O.
      -----------------------------                -----------------------------

Date:        10/30/97                        Date:         10/7/97
     ------------------------------               ------------------------------
<PAGE>   20
        LICENSE TO USE ELECTRONIC VERSION OF MILLIMAN & ROBERTSON, INC.
                      HEALTHCARE MANAGEMENT GUIDELINES(TM)

1.   Milliman & Robertson, Inc. (M&R) grants the Licensee named in the
     accompanying invoice a license to use the electronic version of the
     Healthcare Management Guidelines(TM), (VOLUME 3, 8/97) for the number of
     computers, users, or members set forth in such invoice.

2.   Licensee is advised that the electronic version of the Guidelines, just
     like the paper version, is protected by U.S. and international copyright
     law and contains copyrighted material of third parties provided under
     license. Unauthorized copying or disclosure is strictly forbidden.
     Licensee may only use the Guidelines at the installation site of Licensee
     and the Guidelines cannot be used in any public computer system or
     computer based bulletin board system or be otherwise made available or
     distributed to third parties. Installation site shall be all the
     Licensees' locations where the Guidelines will be used. Any back-up or
     archival copies shall include all invoices required herein and no such
     notice shall be deleted upon copying.

3.   In the event of any defect in the magnetic medium of the diskette
     containing the Guidelines, M&R will replace the defective diskette upon
     request. The foregoing shall be the sole obligation of M&R ad the
     exclusive remedy of Licensee for any breach. M&R DISCLAIMS ALL OTHER
     EXPRESS, AND ALL IMPLIED WARRANTIES INCLUDING WITHOUT LIMITATION THE
     IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
     OF LICENSEE.

4.   Limited Warranty and Remedies re American Medical Association CPT Codes.
     The Guidelines contain files of CPT codes which are copyrighted by the
     American Medical Association (the "CPT file"). Licensee acknowledges that
     the CPT file is provided "as is" and that the AMA makes no warranty of any
     kind, either express or implied, including, but not limited to, the
     implied, warranties of merchantability and fitness for a particular
     purpose. The AMA bears no responsibility for problems as to the quality or
     performance of the CPT file. The AMA has no responsibility for any
     servicing, repair or correction if the CPT file proves to be defective.
     The American Medical Association disclaims responsibility for any
     consequences attributable to or related to any uses, non-use or
     interpretation of information contained in or not contained in the CPT
     file. The AMA shall not be deemed to be engaged in the practice of medicine
     or dispensing medical services.

     Licensee acknowledges that in no event will AMA be liable to Licensee for
     any damages, including any lost profits, lost savings or the incidental or
     consequential damages arising out of possibility of such damages, or for
     any claim by any other party.

     AMA does not warrant that the data contained in the CPT file will meet
     Licensee's requirements or that the operation of the CPT file will be
     uninterrupted or without error. Licensee acknowledges that the CPT file
     has not been developed according to Licensee's specifications or otherwise
     custom-made.

5.   U.S. Government Rights. This product includes CPT which is commercial
     technical data and/or computer data bases and/or commercial computer
     software and/or commercial computer software documentation, as applicable
     which were developed exclusively at private expense by the American
     Medical Association, 515 N. State Street, Chicago, Illinois, 60610. U.S.
     Government rights to use, modify, reproduce, release, perform, display, or
     disclose these technical data and/or computer data bases and/or computer
     software and/or computer software documentation are subject to the limited
     rights restrictions of DFARS 252.227-7015(b)(2) (June

<PAGE>   21

License to Use Electronic version of
Milliman & Robertson, Inc. Healthcare Management Guidelines(TM)
Page 2

     1995) and/or subject to the restrictions of DFARS 227-7202-1(a) (June 1995)
     and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of
     Defense procurements and the limited rights restrictions of FAR 52.227-14
     (June 1987) and/or subject to the restricted rights provisions of FAR
     52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any
     applicable agency FAR Supplements, for non-Department of Defense Federal
     procurements.

6.   If Licensee breaches this agreement, and such breach remains uncured for
     thirty days after notice, the Agreement will terminate and Licensee must
     return or destroy all copies of the Guidelines.

     MILLIMAN & ROBERTSON, INC.                 LANDACORP

     By:  /s/ STEVE KAY                         By:  /s/ STEVE KAY
        -------------------------                  -------------------------

     Date:                                      Date:  October 31, 1997
          -----------------------                    -----------------------

<PAGE>   22

                ADDENDUM TO LICENSE TO USE ELECTRONIC VERSION OF
        MILLIMAN & ROBERTSON, INC. HEALTHCARE MANAGEMENT GUIDELINES(TM)

     1.   Expanded License. Notwithstanding the provisions of the License to
the contrary, LANDACORP shall have the right to reproduce and distribute the
electronic version of the Healthcare Management Guidelines ("Product") to its
customers ("End Users"), provided that LANDACORP previously has been informed
by Milliman & Robertson, Inc. ("M&R") that such End User has entered into a
standard Product license with M&R. M&R shall have sole discretion to determine
to whom it will license its Healthcare Management Guidelines and LANDACORP
shall have no right to require that any particular customer receive a license
from M&R. Additionally, LANDACORP may develop and distribute tools to End Users
to provide for more efficient use of the Product.

     2.   Ownership of Work Product. M&R has exclusive ownership rights and
copyright interest in the Product or has sufficient licensee right to license
it to LANDACORP and End Users. LANDACORP has exclusive ownership rights and
copyright interests in any software tools developed by or for LANDACORP for the
purpose stated in Paragraph 1 above. Each party will indemnify the other
against any liability or expense arising from claims by End Users or other
third parties pertaining to these representations.

     3.   Representations by LANDACORP. LANDACORP shall make no warranties or
representations with respect to the Healthcare Management Guidelines and shall
not represent that M&R has approved or endorsed the Product in any way.
LANDACORP shall not use the trademarks or service marks of M&R except in a
manner which has been authorized by M&R.

     4.   Term and Termination. The License shall continue until terminated by
mutual agreement or by a party after the other party does not correct a
material breach of the License within thirty (30) days after receiving written
notice from the party of the breach.

     5.   Assignment. The License may not be assigned without M&R's consent,
which consent shall not be unreasonably withheld.

     6.   Extent of Addendum. Except as modified herein, the terms and
conditions of the License are unaffected by this Amendment. Any further
modifications must be in writing and signed by authorized representatives of
M&R and LANDACORP.

MILLIMAN & ROBERTSON, INC.                 LANDACORP

By:                                        By:  /s/ STEVE KAY
   -------------------------                  -------------------------

                                                  Steve Kay
    -------------------------                  -------------------------
         (Printed Name)                             (Printed Name)

Title:                                     Title:   COO
      -----------------------                     ----------------------

Date:                                      Date:  October 31, 1997
      -----------------------                    -----------------------
<PAGE>   23
        LICENSE TO USE ELECTRONIC VERSION OF MILLIMAN & ROBERTSON, INC.
                      HEALTHCARE MANAGEMENT GUIDELINES[TM]

1.   Milliman & Robertson, Inc. (M&R) grants the Licensee named in the
     accompanying invoice a license to use the electronic version of the
     Healthcare Management Guidelines[TM], (VOLUME 1, 11/96; VOLUME 4, 12,96 and
     VOLUME 6, 11/96) for the number of computers, users or members set forth in
     such invoice.

2.   Licensee is advised that the electronic version of the Guidelines, just
     like the paper version, is protected by U.S. and international copyright
     law and contains copyrighted material of third parties provided under
     license. Unauthorized copying or disclosure is strictly forbidden. Licensee
     may only use the Guidelines at the installation site of Licensee and the
     Guidelines cannot be used in any public computer system or computer based
     bulletin board system or be otherwise made available or distributed to
     third parties. Installation site shall be all the Licensees' locations
     where the Guidelines will be used. Any back-up or archival copies shall
     include all notices required herein and no such notice shall be deleted
     upon copying.

3.   In the event of any defect in the magnetic medium of the diskette
     containing the Guidelines M&R will replace the defective diskette upon
     request. The foregoing shall be the sole obligation of M&R and the
     exclusive remedy of Licensee for any breach. M&R DISCLAIMS ALL OTHER
     EXPRESS AND ALL IMPLIED WARRANTIES INCLUDING WITHOUT LIMITATION THE IMPLIED
     WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OF
     LICENSEE.

4.   Limited Warranty and Remedies re American Medical Association CPT Codes.
     The Guidelines contain files of CPT codes which are copyrighted by the
     American Medical Association (the "CPT file"). Licensee acknowledges that
     the CPT file is provided "as is" and that the AMA makes no warranty of any
     kind, either express or implied, including, but not limited to the implied
     warranties of merchantability and fitness for a particular purpose. The AMA
     bears no responsibility for problems as to the quality or performance of
     the CPT file. The AMA has no responsibility for any servicing, repair or
     correction if the CPT file proves to be defective. The American Medical
     Association disclaims responsibility for any consequences attributable to
     or related to any uses, non-use or interpretation of information contained
     in or not contained in the CPT file. The AMA shall not be deemed to be
     engaged in the practice of medicine or dispensing medical services.

     Licensee acknowledges that in no event will AMA be liable to Licensee for
     any damages, including any lost profits, lost savings or the incidental or
     consequental damages arising out of possibility of such damages, or for any
     claim by any other party.

     AMA does not warrant that the data contained in the CPT file will meet
     Licensee's requirements or that the operation of the CPT file will be
     uninterrupted or without error. Licensee acknowledges that the CPT file has
     not been developed according to Licensee's specifications or otherwise
     custom-made.

5.   U.S. Government Rights. This product includes CPT which is commercial
     technical data and/or computer data bases and/or commercial computer
     software and/or commercial computer software documentation, as applicable
     which were developed exclusively at private expense by the American Medical
     Association, 515 N. State Street, Chicago Illinois, 60610. U.S. Government
     rights to use, modify, reproduce, release, perform, display, or disclose
     these technical data and/or computer data bases and/or computer software
     and/or computer software
<PAGE>   24
                ADDENDUM TO LICENSE TO USE ELECTRONIC VERSION OF
        MILLIMAN & ROBERTSON, INC. HEALTHCARE MANAGEMENT GUIDELINES(TM)

     1.  Expanded License. Notwithstanding the provisions of the License to the
contrary, LANDACORP shall have the right to reproduce and distribute the
electronic version of the Healthcare Management Guidelines ("Product") to its
customers ("End Users"), provided that LANDACORP previously has been informed
by Milliman & Robertson, Inc. ("M&R") that such End User has entered into a
standard Product license with M&R. M&R shall have sole discretion to determine
to whom it will license its Healthcare Management Guidelines and LANDACORP
shall have no right to require that any particular customer receive a license
from M&R. Additionally, LANDACORP may develop and distribute tools to End Users
to provide for more efficient use of the Product.

     2.  Ownership of Work Product. M&R has exclusive ownership rights and
copyright interest in the Product or has sufficient licensee right to license
it to LANDACORP and End Users. LANDACORP has exclusive ownership rights and
copyright interests in any software tools developed by or for LANDACORP for the
purpose stated in Paragraph 1 above. Each party will indemnify the other
against any liability or expense arising from claims by End Users or other
third parties pertaining to these representations.

     3.  Representations by LANDACORP. LANDACORP shall make no warranties or
representations with respect to the Healthcare Management Guidelines and shall
not represent that M&R has approved or endorsed the Product in any way.
LANDACORP shall not use the trademarks or service marks of M&R except in a
manner which has been authorized by M&R.

     4.  Term and Termination. The License shall continue until terminated by
mutual agreement or by a party after the other party does not correct a
material breach of the License within thirty (30) days after receiving written
notice from the party of the breach.

     5.  Assignment. The License may not be assigned without M&R's consent,
which consent shall not be unreasonably withheld.

     6.  Extent of Addendum. Except as modified herein, the terms and
conditions of the License are unaffected by this Amendment. Any further
modifications must be in writing and signed by authorized representatives of
M&R and LANDACORP.

MILLIMAN & ROBERTSON, INC.              LANDACORP

By:                                     By: /s/ S. P. KAY
    ---------------------------         ---------------------------

                                                S. P. Kay
    ---------------------------         ---------------------------
          (Printed Name)                      (Printed Name)

Title:                                  Title: C.O.O.
       ------------------------                --------------------

Date:                                   Date: 10/7/97
      -------------------------               ---------------------

<PAGE>   25
License to Use Electronic Version of
Milliman & Robertson, Inc. Healthcare Management Guidelines(TM)
Page 2

   documentation are subject to the limited rights restrictions of DFARS
   252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS
   227.7202-1(a)(June 1995) and DFARS 227.7202-3(a)(June 1995), as applicable
   for U.S. Department of Defense procurements and the limited rights
   restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted
   rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987),
   as applicable, and any applicable agency FAR Supplements, for non-Department
   of Defense Federal procurements.

6. If Licensee breaches this agreement, and such breach remains uncured for
   thirty days after notice, the Agreement will terminate and Licensee must
   return or destroy all copies of the Guidelines.

7. This agreement shall have a term of one-year from the date of execution. The
   initial term may be extended for additional one-year terms by payment of an
   additional license fee at M&R's then current fee schedule. This agreement
   shall also terminate if Licensee fails to comply with the terms of this
   agreement and fails to cure such default within 15 days of notice from M&R.
   Upon termination, Licensee shall destroy or return to M&R all copies of the
   Guidelines and shall have no further right to copy or use the Guidelines and
   shall have no further right to copy or use the Guidelines in any form.

   MILLIMAN & ROBERTSON, INC.             LANDACORP

   By: ______________________________     By:    [Signature illegible]
                                                -----------------------------

   Date: ____________________________     Date:     10/7/97
                                                -----------------------------

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