Document:

<PAGE>
THIS NOTE, AND ANY SHARES ISSUED IN CONNECTION HEREWITH OR IN CONSIDERATION
HEREOF, HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE
"SECURITIES ACT") NOR UNDER ANY STATE SECURITIES LAW AND MAY NOT BE PLEDGED,
SOLD, ASSIGNED OR OTHERWISE TRANSFERRED UNTIL (1) A REGISTRATION STATEMENT
UNDER THE SECURITIES ACT AND ANY APPLICABLE STATE SECURITIES LAW HAS BECOME
EFFECTIVE WITH RESPECT THERETO, OR (2) RECEIPT BY THE COMPANY OF AN OPINION OF
COUNSEL TO THE COMPANY TO THE EFFECT THAT REGISTRATION UNDER THE SECURITIES ACT
OR APPLICABLE STATE SECURITIES LAW IS NOT REQUIRED IN CONNECTION WITH THE
PROPOSED TRANSFER.

                       METROPOLITAN HEALTH NETWORKS, INC.

               Non-Negotiable Promissory Note Due _______________

$ ______________                                      __________________________
                                                        West Palm Beach, Florida

         This note supercedes Note dated _______________________

         FOR VALUE RECEIVED, METROPOLITAN HEALTH NETWORKS, INC., a corporation
duly organized and existing under the laws of the State of Florida (the
"Company") having its principal office at 500 Australian Avenue South, Suite
1000, West Palm Beach, FL 33401, hereby promises to pay to Dedales Investment
Holdings, S.A., _____________________________ with interest accruing at ___%
per annum, payable __________________.

                  The following events which shall have occurred and be
continuing are deemed to be an "Event of Default":

                           (i)  The Company shall default in the payment
of the principal sum of this Note after the same shall have become due and
payable; or

                           (ii)  Commencement of any proceeding or the taking of
any other action against the Company in bankruptcy or seeking reorganization,
arrangement, readjustment of its debts, liquidation, dissolution, arrangement,
composition, readjustment of debt or any other similar act or law of any
jurisdiction, domestic or foreign, now or hereafter existing and the
continuance of any of such events for sixty (60) days undismissed, unbonded or
undischarged; or the appointment of a receiver, conservator, trustee or similar
officer for the Company or for all or substantially all of its property and the
continuance of any such events for sixty (60) days undismissed, unbonded or
undisclosed.

                           (iii)  Default interest rate payable at 15% per
annum.

         Upon an Event of Default, the Payee shall provide written notice to
the Company declare the outstanding principal amount of the Note together with
any accrued interest thereon due and payable, and the same shall, unless such
default shall be cured within thirty (30) days after such notice, forthwith
become due and payable upon the expiration of such thirty (30) day period,
without presentment, demand, protest, or other notice of any kind, all of which
are expressly waived.

         It is expressly understood that this Note is solely a corporate
obligation of the Company and that any and all personal liability, either at
common law or in equity or by constitution or statute, of, and any and all such
rights and claims against, every promoter, subscriber, incorporator,
shareholder, officer, or director, as such, are hereby expressly waived and
released by the holder hereof by the acceptance of this Note and as part of the
consideration for the issue hereof.

         This Note may be redeemed by the Company with Payee's consent, in
whole or in part, at any time, or in part from time to time, without penalty.
This Note, any payment of principal or interest due hereunder or any interest,
legal or beneficial, in this Note or any such payment may not be negotiated,
assigned, transferred, pledged or otherwise encumbered. The Company may deem and
treat the registered holder hereof as the absolute owner of this Note (whether
or not this Note shall be overdue and notwithstanding any notice of ownership
or writing hereon made by anyone other than the Company, for the purpose of
receiving payment hereof or thereof or on account hereof and for all other
purposes) and the Company shall not be affected by notice to the contrary.

         The Payee, at his sole discretion, has the right at any time to
convert the entire amount outstanding on the Note into shares of the common
stock of the Company at a price of $1.00 per share by giving notice to the
Company of Payee's intent. Shares issued pursuant to this conversion shall be
issued with the appropriate SEC Rule 144 legend and shall be issued with
piggy-back registration rights.

         The Payee has been provided access to all of the Company's materials
relating to the business, finances and operations of the Company. Payee hereby
acknowledges its status as an accredited investor, and its advisors understand
that this subordinated debenture involves a significant degree of risk.

         IN WITNESS WHEREOF, this Note has been executed and delivered on the
date specified above by the duly authorized representative of the Company and
shall be construed in accordance with and governed by the laws of the State of
Florida.

                                    METROPOLITAN HEALTH NETWORKS, INC.

                                    By:
                                       -------------------------------------
                                       David S. Gartner
                                       solely in his capacity as
                                       Chief Financial Officer
                                       and not individually<PAGE>
                                                                    Exhibit 10.2

McKesson Guaranty
McKesson Corporation

To: McKesson Corporation

         We request McKesson Corporation and its affiliates (collectively "you")
to extend credit to, to make loans or other advances to or otherwise to do
business with METCARE RX, INC., METCARE RX, INC. (MD), BEN-TAL PHARMACY
SERVICES, INC., WEST PALMS BEACH, FL (called "Debtor"). To induce you to do so,
we guarantee to you that Debtor will fully and promptly perform and pay all its
present and future obligations to you, whether direct or indirect, joint or
several, absolute or contingent, secured or unsecured, matured or unmatured, and
whether originally contracted with you or otherwise acquired by you. This
guaranty applies to all the Debtor's obligations to you, even if such
obligations are invalid or unenforceable against the Debtor for any reason and
even if any security for such obligations is insufficient, invalid,
unenforceable or not perfected. This guaranty is an absolute and unconditional
guaranty of payment. It is a continuing guaranty and covers any future
extensions of credit by you to Debtor. This guaranty is a guaranty of payment
when due and not merely of collectibility after judgment or other action against
Debtor.

         We agree, without your first having to proceed against Debtor or any
security held by you, to pay on demand (a) all sums due and to beome due to you
from Debtor; and (b) all losses, costs, attorney's fees or expenses which may be
suffered by you by reason of Debtor's default on its obligations or our default
under this guaranty. We agree to pay on demand any deficiency resulting from a
sale of security held by you even if the sale is made without notice to us. Our
obligations under this guaranty are independent of and separate from the
obligations of Debtor. Upon the occurrence and during the continuance of any
default by Debtor, you can sue us separately from Debtor, whether or not you sue
Debtor in such lawsuit and whether or not you sue Debtor in a separate lawsuit.
If you proceed with any course of action under this guaranty or against Debtor,
that choice shall not preclude you from taking any other course of action.

         This guaranty shall not be affected by the termination or change in the
relationship between us and Debtor. We assume all responsibility for keeping
informed of (a) Debtor's financial condition and assets; (b) all other
circumstances bearing upon the risk of non- payment of Debtor's obligations to
you; and (c) the nature, scope and extent of the risks which we assume and incur
under this guaranty. We agree that you shall have no duty to advise us of
information known to you regarding such circumstances or risks. We waive notice
of your acceptance of this guaranty and of presentment, demand, protest and
notice of non-payment or protest as to any note or obligation signed, accepted,
endorsed or assigned to you by Debtor. We also waive any other demands and
notices required by law. We also waive all set-offs and counterclaims.

<PAGE>

         You may at any time, without our consent, without notice to us and
without affecting or impairing our obligation under this guaranty, do any of the
following: (a) renew, modify (including any increase or decrease in the rate of
interest), or extend any obligations of Debtor, of co-guarantors (whether
hereunder or under a separate agreement) or of any other party at any time
directly or contingently liable for the payment of any of Debtor's obligations;
(b) enter into additional extensions of credit to Debtor; (c) accept partial
payments of Debtor's obligations; (d) settle, release (by operation of law or
otherwise), compound, compromise, collect or liquidate any of Debtor's
obligations and the security therefor in any manner; (e) consent to the transfer
of security; or (f) bid and purchase at any sale of security.

         If at any time performance and payment of Debtor's obligations is
rescinded or reduced in amount, or if you must return any payments received from
Debtor, this guaranty shall be reinstated for the amount so reduced or returned.

         This guaranty constitutes the complete understanding between you and
us. This guaranty may be modified only in writing signed by the party against
whom the modification is sought to be enforced. To be binding against you, any
modification must be signed by your Vice President - Credit by registered mail
naming a termination date not less than 90 days after your receipt of such
notice. Any termination shall not affect any transaction or credit extended
prior to the effective date of termination, and any renewals, extensions or
amendments thereof.

         We represent that this guaranty has been duly authorized by all
necessary corporate action and that its delivery to you does not violate any
contracts binding upon us. This guaranty shall bind our successors and assigns,
and shall inure to your successors and assigns. We waive notice of any
assignment of this guaranty by you. This guaranty shall be governed by, and
construed in accordance with, the laws of the State of California.

         We agree to pay on demand all of your costs and expenses and the fees
and disbursements of your counsel (including allocated costs of internal
counsel) in connection with (a) the enforcement or attempted enforcement, or
preservation of any rights or interests under, this guaranty; and (b) any
out-of-court workout or other refinancing or restructuring or any bankruptcy
case concerning Debtor or us.

         Executed this 30th day of January 2002 at West Palm Beach, Florida.

Legal Name: Metropolitan Health Networks, Inc.
By: /s/ Fred Sternberg, President
    ---------------------------------------------
         Fred Sternberg, President & CEO

                                        2

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