Document:

<PAGE>   1
                                                                   Exhibit 10.15

                          QUALITY CARE SOLUTIONS, INC.

                           SOFTWARE LICENSE AGREEMENT

This License is made and entered by and between Quality Care Solutions, Inc., a
Nevada corporation with it's principal place of business at 5030 E. Sunrise
Drive, Phoenix, AZ 85044 (hereinafter referred to as "QCSI"), and The TriZetto
Group, Inc., its parent, subsidiaries and affiliates, a Delaware corporation
with it's principal place of business at 567 San Nicolas Drive, Suite 360,
Newport Beach, CA 92660 (hereinafter referred to as "CLIENT").

I.       TERM. Provided that all fees and costs are paid timely, and CLIENT
         complies with the terms and conditions of this License, the initial
         term of this License shall be for a period of five (5) years beginning
         on the first day of the month after the date of execution of this
         License. Thereafter, the term of this License shall automatically be
         extended for consecutive additional terms of one (1) year each, unless
         either Party provides the other with written notice of such Party's
         intention not to extend the term at least one hundred twenty (120) days
         prior to the end of the initial term or any subsequent term.

II.      LICENSED SOFTWARE. CLIENT shall license QMACS(R) and aQDEN(TM)
         ("Software") according to the terms and conditions herein. This License
         does not entitle CLIENT to New Software, customized versions or "beta"
         versions of Software not yet generally released to all licensees of
         Software.

III.     RIGHT TO SERVICE OFFERING TO CLIENT CUSTOMERS ("CUSTOMERS"). QCSI
         grants CLIENT a non-exclusive, non-transferable license to provide
         application services to CLIENT's customers as an Application Services
         Provider ("ASP", i.e. service bureau on an outsourced basis) subject to
         the terms, conditions, limitations and restrictions set forth herein.
         Section I, paragraph C, "Sole Use" of the Software License is hereby
         deleted in its entirety and replaced by the following:

         C.       Use. This License authorizes CLIENT to use Software for
                  CLIENT's own internal purposes and for the ASP services it
                  provides to its Customers subject to Exhibit B herein.

IV.      OWNERSHIP/DERIVATIVE WORKS/SAFEGUARD. Section I, paragraph d,
         "Ownership/Derivative Works/Safeguard" of the Software License is
         hereby deleted in its entirety and replaced by the following:

         Software documentation, training materials, plans, prices,
         configurations, specifications, techniques, algorithms, schemas, screen
         prints and processes contained herein, or any modifications, extraction
         or extrapolations thereof, are the property and trade secrets of QCSI
         and are subject to copyright protections. Any copyright notice does not
         imply unrestricted or public access. No duplication, usage, disclosure
         or publication thereof, in whole or in part, for any purpose is
         permitted, except that which is expressly permitted by this license or
         other written permission of QCSI. Software documentation is provided to
         CLIENT only for the duration and only for facilitating Software use by
         CLIENT. Any Derivative Work created by or on behalf of CLIENT or by and
         on behalf of QCSI shall be the property of QCSI. Derivative works are
         defined as any work based upon one or more preexisting works of QCSI,
         such any form in which a work has been recast, transformed, modified,
         or adapted, or any work consisting of editorial revisions, annotations,
         elaborations, or other modifications which, as a whole, represent an
         "original work of authorship" as that phrase is defined by the United
         States Copyright Act. QCSI acknowledges that

                                     Page 1
(c)Quality Care Solutions, Inc.
Software License Agreement
Rev. 05/03/99
<PAGE>   2
         CLIENT, or third party, may, from time to time without QCSI's
         assistance wish to create reports, develop interfaces, integration
         modules, integration engines, EDI translators, communications
         enhancement solutions, and middleware (including transaction processing
         monitors), to the Product and agrees that such work, which shall not be
         construed as Derivative Works, shall be owned by CLIENT, subject to
         QCSI's right to the underlying products. CLIENT agrees to safeguard all
         code against non-licensed use, copying, transfer, or inspection by any
         unauthorized third party.

V.       OBLIGATIONS UPON TERMINATION. Section I, paragraph g, "Obligations Upon
         Termination" of the Software License is hereby deleted in its entirety
         and replaced by the following:

         Upon termination of this Agreement, any and all amounts or fees due
         under this license or otherwise due to Licensor shall immediately be
         paid in full without further demand by Licensor.

VI.      USE OF SOFTWARE AFTER TERMINATION. CLIENT's license to use the Software
         serialized prior to termination, shall survive termination of this
         Agreement and shall continue in full force and effect under the terms
         and conditions of the then current license agreement as long as CLIENT
         continues to pay pmpm fee for use of the Software and use of Software
         does not exceed expiration of then current license agreement, unless
         termination is based upon a violation of Section 1.a (Grant of License)
         or any other violation of QCSI's intellectual property rights whereupon
         CLIENT's right and license to use the Software shall terminate if not
         remedied within sixty (60) days of notification of such violation by
         QCSI to CLIENT. CLIENT agrees to maintain minimum membership level of
         40,000 members or pay minimum monthly fee during this period.

VII.     MARKETING. Section II, paragraph f, "Marketing" is hereby deleted in
         its entirety and replaced by the following: QCSI and CLIENT may
         reference each other in advertising and promotional materials and
         either party may use the logo of the other in marketing materials,
         including web pages, upon receiving prior written approval from the
         other party which shall not be reasonably withheld.

VIII.    LIMITATION ON LIABILITY AND REMEDIES. Section III, paragraph d,
         "Limitation on Liability and Remedies" is hereby deleted in its
         entirety and replaced by the following: IN NO EVENT WILL QCSI BE LIABLE
         FOR ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL, OR OTHER SIMILAR
         DAMAGES IN CONNECTION WITH OR ARISING OUT OF THE EXISTENCE, FURNISHING,
         FAILURE TO FURNISH OR USE OF THE SOFTWARE. PRODUCTS, OR SERVICES
         FURNISHED HEREUNDER, INCLUDING ANY RELATED THIRD PARTY SOFTWARE,
         PRODUCT OR SERVICE, WHETHER OR NOT QCSI HAS BEEN ADVISED OF THE
         POSSIBILITY OF SUCH DAMAGES. THE ABSOLUTE LIABILITY OF QCSI SHALL NOT
         EXCEED THE TOTAL AMOUNT OF ALL FEES PAID TO LICENSOR BY CLIENT FOR THE
         PREVIOUS EIGHTEEN (18) MONTH PERIOD.

IX.      INDEMNIFICATION. The last sentence of Section III, paragraph f,
         "Indemnification" is hereby deleted in its entirety and replaced by the
         following: QCSI shall refund the pro-rata cost of the implementation
         based on a five-year useful life and shall fully refund any existing
         balance of maintenance fees.

X.       ASSIGNMENT. Section IV, paragraph b, "Assignment" is hereby deleted in
         its entirety and replaced by the following: TriZetto may assign this
         Agreement, together with any license granted hereunder, to any
         Affiliate or any entity resulting from the sale, combination or
         transfer of all or substantially all of the assets or capital stock, or
         from any other corporate form of reorganization, subject to the prior
         written approval of such assignment by QCSI which shall not be
         unreasonably withheld. Upon any permitted assignment of this Agreement,
         TriZetto shall not incur any transfer fees other than such fees as may
         be required for any expanded or additional licenses, equipment, or
         services necessary for as a result of such assignment.

                                     Page 2

(c) Quality Care Solutions, Inc.
Software License Agreement
Rev. 05/03/99
<PAGE>   3
IN WITNESS WHEREOF, the Parties hereto have executed this License effective the
first (1st) day of the month following its execution ("Effective Date"):

<TABLE>
<S>                                               <C>
QUALITY CARE SOLUTIONS, INC.                      THE TRIZETTO GROUP, INC.

By:      /s/ Gregory S. Anderson                  By    /s/ Kerry M. Kearns
         --------------------------------               ----------------------------------
Name:    Gregory S. Anderson                      Name:    Kerry M. Kearns
Title:   Chief Executive Officer                  Title:   Senior Vice President
Date:    12/20/99                                 Date:    12/16/99
         --------------------------------               -----------------------------------
</TABLE>

                                     Page 3

(c)Quality Care Solutions, Inc.
Software License Agreement
Rev. 05/03/99
<PAGE>   4
                                    EXHIBIT A

                                FEES AND SERVICES

In consideration for the license and services granted hereunder, CLIENT hereby
agrees to pay QCSI according to the following fee schedule. CLIENT hereby agrees
to permit QCSI electronic access to CLIENT's database for billing purposes, if
applicable.

[ ]      IMPLEMENTATION SERVICES [Confidential treatment has been requested]

         At CLIENT's request, QCSI agrees to support CLIENT in the first two (2)
         Customer Software implementations performed by CLIENT. QCSI agrees to
         provide up to [****] service units of support for each of the two
         implementations, at a discounted rate of [****] per service unit.
         Subsequent support may be provided by QCSI upon CLIENT's request
         according to QCSI's prevailing rates.

[ ]      SOFTWARE LICENSE [Confidential treatment has been requested]

         Minimum Membership Level Effective no later than nine (9) months
         following the effective date of this Agreement, the CLIENT shall be
         responsible for maintaining a minimum threshold of members on the
         Software. If membership level falls below [****], CLIENT will pay QCSI
         a $ [****] fee.

         PMPM SOFTWARE LICENSE FEE:
         The PMPM Software License Fee shall be the following:

         QMACS PMPM FEE (MEDICAL ONLY): [Confidential treatment has been
         requested]

         $ [****] Per Member Per Month ("PMPM") from [****] members per month
         plus
         $ [****] Per Member Per Month from [****] members per month plus
         $ [****] Per Member Per Month over [****] members per month

         The above fees are cumulative up to the respective total number of
         CLIENT's active members being administered using the Software.

         aQDEN PMPM FEE (DENTAL ONLY): [Confidential treatment has been
         requested]

         $ [****] Per Member Per Month ("PMPM") from [****] members per month
         plus
         $ [****] Per Member Per Month from [****] members per month plus
         $ [****] Per Member Per Month over [****] members per month

         The above fees are cumulative up to the respective total number of
         CLIENT's active members being administered using the Software.

[ ]      ADDITIONAL PRODUCTS

         Upon prior written notice to QCSI, CLIENT may purchase additional
         products to use with the QMACS software at the following fees which
         would be added to the core QMACS license fee :

         aQDEN AND QMACS COMBINED [Confidential treatment has been requested]

         $ [****] Per Member Per Month ("PMPM") from 40,000 to 100,000 members
         per month plus
         $ [****] Per Member Per Month from 100,001 to 500,000 members per month
         plus
         $ [****] Per Member Per Month over [****] members per month plus
         $ [****] PMPM Support fee from [****] members per month
         $ [****] PMPM Support fee over [****] members per month

         CASE MANAGEMENT MODULE [Confidential treatment has been requested]

         $ [****] PMPM License
         $ [****] PMPM Support

[ ]      SUPPORT

                                     Page 1

(c)Quality Care Solutions, Inc.
Exhibit A -- Fees and Services
Rev. 12/16/99

                    **** - Confidential Treatment Requested
<PAGE>   5
      Each month, CLIENT shall pay the following Support Fees, which shall
      entitle CLIENT to updates and releases. In addition, twenty-eight percent
      of the amount below shall apply accrual of service units however, in no
      event shall CLIENT receive less than [****] service units per month.

      Management of service units and support delivery shall be in accordance
      with the QCSI Client Guide.

      QMACS SUPPORT FEES: [Confidential treatment has been requested]
      Support Fees shall be the following:

      $ [****] Per Member Per Month from [****] members per month plus
      $ [****] Per Member Per Month from [****] members per month plus
      $ [****] Per Member Per Month over [****] members per month

      The above fees are cumulative up to the respective total number of
      CLIENT's active members being administered using the Software.

      aQDEN SUPPORT FEES: [Confidential treatment has been requested]
      Support Fees shall be the following:

      $ [****] Per Member Per Month from [****] members per month plus
      $ [****] Per Member Per Month from [****] members per month plus
      $ [****] Per Member Per Month over [****] members per month

      The above fees are cumulative up to the respective total number of
      CLIENT's active members being administered using the Software.

PAYMENT GUIDELINES

The Software License and Support Fees herein are payable beginning with the
first day of the month following the provision of service to the first customer,
but no later than nine (9) months after the effective date of this License and
due monthly thereafter.

LATE PAYMENT AND INTEREST

If fees herein are not paid within thirty (30) days of invoice date, QCSI will
assess a late payment penalty of one and one-half percent (1.00%) (SIC) of the
fees due. Any payment, which is more than thirty (30) days late, will accrue
interest at the rate of twelve percent (12.00%) per annum until paid in full.
QCSI shall have the right to suspend all its obligations under this License in
the event that any payment is more than forty-five (45) days late. QCSI shall
notify CLIENT in writing at least fifteen (15) days before suspending its
obligations for late or non-payment.

In the event that CLIENT determines in its reasonable judgment that a billing
error has occurred, CLIENT must notify QCSI in writing within thirty (30) days
of receipt of such erroneous items. CLIENT agrees to pay all undisputed items on
an invoice, which may have disputed items contained thereon. QCSI agrees that no
late payment penalty shall be applicable for contested invoice items until
thirty (30) days following QCSI's response to CLIENT's notice of billing error.

TRAVEL AND EXPENSE GUIDELINES

CLIENT agrees to reimburse or pay QCSI for reasonable travel, lodging, and
meals, which are incurred by QCSI at the CLIENT or a Customer's office within
fifteen (15) days of receipt of invoice for reimbursement of expenses.

                                     Page 2
(c)Quality Care Solutions, Inc.
Exhibit A - Fees and Services                                  CLIENT GA QCSI
                                                                      --
Rev. 12/16/99

                    **** - Confidential Treatment Requested
<PAGE>   6
                          QUALITY CARE SOLUTIONS, INC.

                                SOFTWARE LICENSE

                               TERMS & CONDITIONS

I. SOFTWARE LICENSE GRANT

a)  Grant of License. QCSI hereby grants to CLIENT a non-exclusive,
non-transferable license ("License") to use QCSI software programs, systems and
related documentation identified on the front page of this License
("Software"). This License is expressly made and granted subject to the terms,
conditions, limitations and restrictions as set forth herein.

b)  Fees. To maintain its License hereunder, CLIENT shall pay to QCSI all fees
and costs as provided in Exhibit A to this License.

c)  Sole Use. This license authorized CLIENT to use Software only for CLIENT's
own internal purposes. CLIENT shall not allow any third party to access, copy
or use Software, nor shall it use Software to provide time-sharing or data
processing services to a third party without a separate written agreement with
QCSI. CLIENT is prohibited to re-license, rent, lease or provide application
hosting of Software without QCSI's express written permission.

d)  Ownership/Derivative Works/Safeguard. Software, documentation, training
materials, plans, prices, configurations, specifications, techniques,
algorithms, schemas, screen prints and processes contained herein, or any
modification, extraction, or extrapolations thereof, are the property and trade
secrets of QCSI and are subject to copyright protections. Any copyright notice
does not imply unrestricted or public access. No duplication, usage, disclosure,
or publication thereof, in whole or in part, for any purpose is permitted,
except that which is expressly permitted by this license or other written
permission of QCSI. CLIENT shall include in all copies made by it notices of
copyright and other proprietary rights included by QCSI in or on Software.
Software documentation is provided to CLIENT only for the duration of this
License and only for facilitating Software use by CLIENT. CLIENT specifically
agrees that any derivative works or modifications of Software shall be the
property of QCSI and CLIENT hereby assigns all title and ownership interest
therein to QCSI. Derivative works are any modifications of Software or work,
which is based on Software source or object code, or which requires Software to
function. Such derivative works shall be deemed Software for the purposes of
this License however, QCSI's  representations, warranties and liabilities shall
not extend to derivative works and modifications. CLIENT agrees to safeguard all
code against non-licensed use, copying, transfer or inspection by any third
party. CLIENT shall require all persons and entities to whom CLIENT has granted
authority to save data or who have access to any Executable Code to execute and
submit to QCSI a confidentiality agreement.

e)  Breach. In the event of a breach or the threat of a breach of this License,
QCSI, in addition to any other remedies it may have at law or in equity, shall
be entitled to a restraining order, preliminary injunction, and other
appropriate relief so as to specifically enforce the terms of this License, and
any other agreement entered into in conjunction with this license. CLIENT
agrees that a breach of this License would cause QCSI irreparable injury. This
License may be terminated with ninety (90) days prior written notice if either
Party fails to comply with the terms, conditions or any covenant under this
License and fails to perform or cure the same within forty-five (45) days of
receipt of written notice.

f)  Loss or Damages to Software. In case of loss, damage, or destruction of any
of the Software, QCSI will replace it at the written request of CLIENT. CLIENT
shall pay QCSI's reasonable reproduction and delivery expenses for such
replacement.

g)  Obligations Upon Termination. Upon expiration or termination of the License,
all copies of Software shall promptly be delivered to QCSI or destroyed by
CLIENT, and CLIENT shall certify the same in writing within ninety (90) days of
termination.

II. MISCELLANEOUS

a)  Software Delivery. QCSI will deliver at least one machine-readable copy of
Software. QCSI agrees to provide one (1) hardcopy and one (1) electronic copy
of Software documentation to CLIENT as such documentation is published or
updated.

b)  Standard Reports. QCSI will deliver a limited set of standard reports with
Software. CLIENT acknowledges that third-party report writing software tools
are required to create new reports or modify QCSI's standard reports. The
license fee, support and training cost for third-party report writing tools are
not included in this License and must be acquired separately. CLIENT
acknowledges that QCSI's standard reports are templates and examples of reports
QCSI has developed for non-specific use. The CLIENT acknowledges responsibility
for the design, development and production of its own reports, documents,
letters and identification cards to be used in conjunction with Software.

c)  Electronic Data Interface (EDI) Engine. QCSI will deliver a method to
facilitate electronic data import and export and from Software database.

d)  Reference Data. QCSI agrees to provide the minimal reference data as
required to configure and test Software. CLIENT is responsible for the annual
procurement, update and maintenance of all reference data required to operate
Software. QCSI agrees to provide the data table structure and interface method
to facilitate loading, editing and maintenance of reference data required to
operate Software.

e)  Escrow Statement. QCSI shall maintain a copy of the most recent Source Code
for Software with Ft. Knox Escrow Services Inc. or a trustee mutually acceptable
to QCSI and CLIENT. In the event QCSI becomes insolvent, makes an assignment
of assets for the benefit of creditors, has a trustee or receiver appointed
(either voluntary or involuntarily), is adjudicated bankrupt, or involuntary
bankrupt proceedings are commenced against QCSI or receiver, or commences any
dissolution or liquidation proceedings, then the trustee shall be directed to
deliver the Source Code to CLIENT. CLIENT shall provide written notification to
both QCSI and trustee of intention to access Source Code. QCSI shall notify
CLIENT who the appointed trustee is, and give notice prior to any of the
actions mentioned herein. CLIENT shall pay or reimburse QCSI for any costs of
Source Code escrow, escrow maintenance or Source Code access.

e)  Marketing. QCSI may, in its sole discretion, reference CLIENT in
advertising and promotional materials concerning the sale and promotion of
Software including listing CLIENT's name. When a specific advertisement or
promotion containing only the

                                     Page 1
(c) Quality Care Solutions, Inc.              /s/               GA
Software License                                  _____CLIENT  _____QCSI
Rev. 11/01/99
<PAGE>   7
     CLIENT's name is planned, QCSI will obtain CLIENT's written permission
     before such use. QCSI shall also obtain CLIENT's written permission before
     use of any logo of the CLIENT.

g)   Privacy Act. QCSI agrees and warrants that the Software will meet current
     federal requirements under the Privacy Act of 1987 (the "Act"). QCSI
     further agrees and warrants that it has in place internal controls, which
     will satisfy the security and privacy requirements of the Act.

III. LIMITED WARRANTY, PATENT, AND COPYRIGHT INFRINGEMENT

a)   Limited Warranty. QCSI warrants that it shall remedy any anomaly as defined
     by QCSI policies and procedures within QCSI's support policy response time.
     This warranty is conditional upon CLIENT's computing environment being
     consistent with QCSI's recommended hardware and software specifications and
     in good working order and further provided that the Software has been
     properly used and has not been modified and/or serviced by an entity other
     than QCSI. QCSI does not warrant that Software will meet CLIENT's
     requirements or will operate in the combinations which may be selected for
     use by CLIENT, or that the operation of Software will be uninterrupted or
     error free. This warranty does not extend to Software modified by CLIENT,
     for anomalies due to CLIENT misuse of third-party products or for Software,
     which is more than one version past QCSI's latest released version. QCSI's
     warranty covers only service to correct anomalies reported during the term
     of this License.

b)   NO OTHER WARRANTIES. THE FOREGOING IS IN LIEU OF ALL OTHER WARRANTIES
     EXPRESSED OR IMPLIED. QCSI HEREBY DISCLAIMS ALL WARRANTIES NOT EXPRESSLY
     SET FORTH IN THIS LICENSE INCLUDING BUT NOT LIMITED TO, ANY IMPLIED
     WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CLIENT
     HEREBY DISCLAIMS ANY RELIANCE ON ANY WARRANTY OR REPRESENTATION NOT
     EXPRESSLY SET FORTH IN THIS LICENSE.

C)   NO LIABILITY FOR CONSEQUENTIAL DAMAGES. IN NO EVENT WILL QCSI BE LIABLE FOR
     ANY DAMAGES CAUSED BY CLIENT'S FAILURE TO PERFORM CLIENT'S
     RESPONSIBILITIES, OR FOR ANY LOST PROFITS, LOST SAVINGS, LOSS OF DATA, LOSS
     OF USE OF SOFTWARE, COSTS OF RECREATING LOST DATA, OR ANY OTHER INDIRECT,
     SPECIAL OR OTHER CONSEQUENTIAL DAMAGES, EVEN IF QCSI HAD BEEN ADVISED OF
     THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM AGAINST CLIENT BY ANY
     OTHER PARTY.

d)   LIMITATIONS ON LIABILITY AND REMEDIES. QCSI's AGGREGATE LIABILITY FOR
     DAMAGES TO CLIENT FROM ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF
     ACTION, INCLUDING CONTRACT, TORT, COMPUTER MALPRACTICE, PRODUCTS LIABILITY,
     STRICT LIABILITY, OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT OF THE
     IMPLEMENTATION FEES PAID TO QCSI.

e)   Time Limitations. No action, regardless of form, arising out of their
     License may be brought by CLIENT later than two (2) years after the cause
     of action has arisen and CLIENT has (or should have) acquired knowledge
     thereof.

f)   Indemnification. QCSI promises to indemnify CLIENT, at QCSI's expense,
     against any claim that Software infringes on a valid patent, copyright, or
     trade secret in the United States. QCSI will also pay all costs, damages,
     and attorney's fees that a court finally awards as a result of such claim,
     to the limit of QCSI's liability as determined by the court. QCSI's duties
     under this section are conditioned upon the following:

     1)   CLIENT shall give QCSI prompt written notice of any actual or
          threatened claim.

     2)   QCSI shall have control of the defense of any claim and of all
          negotiations for the settlement or compromise of such claim.

     3)   CLIENT shall cooperate with QCSI in the defense or settlement of any
          claim at QCSI's expense.

     4)   The claim does not arise out of CLIENT's modification of Software or
          the use of Software in combination with anything not approved by QCSI.

If a patent, trade secret or copyright infringement occurs, or QCSI's judgment
is likely to occur, QCSI, at its option and expense, may either procure the
right for CLIENT to continue using Software, or replace or modify it to be
functionally equivalent so that it becomes non-infringing. If neither of the
foregoing alternatives is reasonably available in QCSI's judgment, CLIENT shall
return all copies of Software in question to QCSI upon QCSI's written request.
QCSI shall refund the pro-rata cost of the implementation fee paid to QCSI of
the specific module based on a five-year useful life.

IV.  GENERAL PROVISIONS

a)   Applicable Law and Arbitration. This License shall be construed and
     interpreted in accordance with the laws of the State of Arizona and the
     venue for any dispute whatsoever shall be in the Superior Court of Maricopa
     County, Arizona. In the event that the Parties are unable to resolve
     within a reasonable time any controversy, dispute or claim arising out of
     or in connection with this License, or its interpretation, performance or
     termination, binding arbitration shall be conducted in accordance with the
     rules of the Arizona Arbitration Act, A.R.S. Sections 12-1501 et seq., and
     the Commercial Arbitration Rules of the American Arbitration Association
     ("AAA"). In the event of arbitration or litigation, the prevailing Party
     shall be entitled to recover costs and expenses including reasonable
     attorney's fees.

b)   Assignment. CLIENT has neither the power nor the right to delegate any
     duty under this License, to grant any sub-license under this License, or to
     assign or transfer the License, or any right under any agreement executed
     in connection with this License without the prior written approval of QCSI,
     which shall not be unreasonably withheld. Any attempt by CLIENT to assign
     any right or duty under this License shall be void as a matter of law.

c)   Export Act. CLIENT hereby warrants and certifies that no part of Software,
     modifications thereof, documentation thereto, applicable manual(s) or any
     related item or product will be made available or exported to any country
     in contravention of any law of the United States, including the Export
     Administration Act of 1979 and regulations relating thereto.

d)   Modification of the Agreement/Entire Agreement. This License supersedes all
     oral or written agreements, if any, between the Parties and constitutes the
     entire agreement between the parties with respect to the matters contained
     herein. Any modification, amendment, cancellation, or waiver of rights
     under this License shall be effective only if in writing signed by an
     Officer of the Party against whom enforcement of the same is sought. No
     waiver of any breach of this License shall be construed as a waiver of any
     other rights under this License. No delay in acting with regard to any
     breach shall be construed as a waiver of the breach.

                                     Page 2

(c) Quality Care Solutions, Inc.                          Client GA QCSI
Software License                                                 --
Rev. 11/01/99
<PAGE>   8
e)   Reservation of Rights. All rights of QCSI not expressly granted to CLIENT
     in writing are reserved.

f)   Severability. In the event that any provision of this License shall become
     or be unenforceable, invalid, void or voidable, the same shall be limited,
     construed or, if necessary, limited to the extent necessary to remove such
     defect and the remaining provisions shall continue to bind the Parties as
     though the unenforceable, invalid, void or voidable part are not a part of
     the License.

g)   Force Majeure. Either Party shall be excused for failures and delays in
     performance of their respective obligations under this License caused by
     war, riots or insurrections, laws and regulations, strikes, floods, fires,
     explosions, or other catastrophes beyond the control and without the fault
     of such Party. This provision shall not, however, release such Party from
     using its best efforts to avoid or remove such cause, and such Party shall
     continue performance hereunder with the utmost dispatch whenever such cause
     are removed. Upon claiming any such excuse or delay for nonperformance,
     such Party shall give prompt notice thereof to the other Party.

h)   Recruitment of Personnel. During the initial and any subsequent term of
     this License and for a period of one (1) year thereafter, neither QCSI nor
     CLIENT will hire, employ or contract with directly or indirectly any key
     employee(s) of the other for a period of one hundred twenty (120) days
     following termination of such employee's employment, without the prior
     written consent of the other.

i)   Exhibits. All exhibits attached to this License are incorporated into and
     made part of this License.

                                     Page 3

(c) Quality Care Solutions, Inc.
Software License
Rev. 11/01/99                                  /s/  CLIENT    GA   QCSI
                                              -----          -----<PAGE>   1
                                                                  Exhibit 10.16

                          QUALITY CARE SOLUTIONS, INC.

                                LICENSE AGREEMENT

This Agreement is made and entered into by and between Quality Care Solutions,
Inc, a Nevada corporation with its principal place of business at 5030 E.
Sunrise Drive, Phoenix, AZ 85044 (hereinafter referred to as "QCSI"), and
Synertech Health System Solutions, Inc., a Pennsylvania corporation with its
principal place of business at 2400 Thea Drive, Harrisburg, Pennsylvania 17110
(hereinafter referred to as "SYNERTECH").

WHEREAS, QCSI has developed and owns a suite of medical and dental insurance
related software products and services; and

WHEREAS, SYNERTECH provides administrative and information technology services
to medical and dental payor clients and desires to contract with QCSI to license
certain of QCSI's software products and receive related services; and

NOW, THEREFORE, in consideration of the mutual covenants, promises and
agreements herein contained and for other good and valuable consideration, the
receipt and sufficiency of which is hereby acknowledged, the parties hereto
agree as follows:

I.       DEFINITIONS

         1.1      ADVANCE PAYMENT has the meaning set forth in Exhibit A.

         1.2      AFFILIATE means an entity that controls, is controlled by, or
                  is under common control with, the entity in question.

         1.3      AGGREGATE MINIMUM LICENSE AND SUPPORT FEE means the total of
                  all Minimum Monthly Payments payable by SYNERTECH during the
                  first five (5) years of the term of this Agreement.

         1.4      AGREEMENT means this agreement, including all Exhibits and
                  Schedules, and all amendments and modifications hereto and
                  thereto.

         1.5      ANOMALY means the failure of a Product to perform in
                  accordance with the related Documentation.

         1.6      aQDEN MEMBER means an individual who is provided health care
                  coverage by a Customer, which coverage is administered, in
                  whole or in part, by SYNERTECH or such Customer using the
                  aQDEN software product.

         1.7      CARVE-OUT MEMBERS means those individuals who are provided
                  health care coverage by a Customer, with respect to which
                  coverage only a definitive ancillary, specialty or
                  administrative service (such as cardiology, radiology,
                  behavioral health, re-pricing) is administered, in whole or in
                  part, by SYNERTECH or such Customer using one or more of the
                  Products. "Carve-Out Members" will include all individuals
                  being provided such health care coverage by a Customer,
                  whether or not such individuals actually avail themselves of
                  such coverage.

         1.8      COMBINATION MEMBER means an individual who is provided health
                  care coverage by a Customer, which coverage is administered,
                  in whole or in part, by SYNERTECH or such Customer using both
                  the QMACS and the aQDEN software products.

         1.9      CUSTOMER or CUSTOMERS means any or all Turnkey Customers or
                  Service Bureau Customers.

         1.10     CUSTOMER CONTRACT means either (1) an agreement between
                  SYNERTECH and a Customer pursuant to which SYNERTECH provides
                  application hosting, patch application and testing, claims
                  processing or other administrative support services to such
                  Customer using one or more Products, or (2) a Sub-License.

         1.11     DERIVATIVE WORKS means any work based upon one or more
                  preexisting works of QCSI, such any other form in which a work
                  has been recast, transformed, modified or adapted, or any work
                  consisting of editorial revisions, annotations, elaborations,
                  or other modifications which, as a whole, represent an
                  "original work of authorship" as that phrase is defined by the
                  United States Copyright Act.

         1.12     DOCUMENTATION means user guides, operating manuals and
                  specifications, whether in print or machine-readable media,
                  relating to the Software.

         1.13     EFFECTIVE DATE means the date this Agreement is fully executed
                  by both parties.

         1.14     ENHANCEMENTS has the meaning set forth in Section 3.2.

         1.15     ESCROW AGENT has the meaning set forth in Section 3.5.

         1.16     EXISTING CUSTOMER means (a) an entity that has an agreement
                  with SYNERTECH as of the Effective Date, and (b) any
                  organization, or customer of such organization, acquired by
                  SYNERTECH or any of its Affiliates on or after the Effective
                  Date. All Existing Customers as of the Effective Date are set
                  forth in Exhibit D, as may be amended from time to time in
                  accordance with clause (b) of the preceding sentence.

                                       1
<PAGE>   2
         1.17     INITIAL REFERENCE DATA has the meaning set forth in Section
                  3.4.

         1.18     LICENSE AND SUPPORT FEE has the meaning set forth in Exhibit
                  A.

         1.19     MEMBER or MEMBERS means any or all QMACS Members, aQDEN
                  Members, Combination Members, and Carve-Out Members whose
                  coverage is in effect at or during the time in question.

         1.20     MINIMUM MONTHLY PAYMENT has the meaning set forth in Exhibit
                  A.

         1.21     NEW SOFTWARE means new executable code, including beta
                  versions of New Software, which provides significantly new
                  functions or a family of functions which is functionally
                  unrelated to the functionality of Products.

         1.22     PMPM FEE means a per member per month fee.

         1.23     PRIOR RELATIONSHIP between QCSI and an entity exists if,
                  within the twelve (12) month period immediately prior to a
                  SYNERTECH Referral, QCSI has: (i) sent to such entity a
                  written response to a Request for Proposal or Request for
                  Information, or (ii) completed a demonstration of a Product to
                  such entity and a Prior Relationship between SYNERTECH and an
                  entity exists if, within the twelve (12) month period
                  immediately prior to a QCSI Referral, SYNERTECH has; (i) sent
                  to such entity a written response to a Request for Proposal or
                  Request for Information, or (ii) completed a demonstration of
                  a Product or of its service bureau services to such entity.

         1.24     PRODUCTS means those computer software products known as (a)
                  QMACS, (b) aQDEN, and (c) web enabled components when released
                  and made generally available by QCSI (anticipated to be
                  Version 5 when generally available to QCSI clients). Each
                  "Product" is comprised of Software and Documentation including
                  ability to perform electronic data interchange. "Product"
                  includes any and all enhancements, bug fixes and updates
                  (excluding New Software) to the Software or the Documentation
                  that are released by QCSI during the term of this Agreement.

         1.25     QMACS MEMBER means an individual who is provided health care
                  coverage by a Customer, which coverage is administered, in
                  whole or in part, by SYNERTECH or such Customer using the
                  QMACS software product.

         1.26     REFERENCE SALE means a sale of a Product or other products or
                  services by QCSI, as evidenced by a written, executed
                  agreement between QCSI and a client, which sale results from a
                  SYNERTECH Referral or a sale of service bureau services by
                  Synertech, as evidenced by a written, executed agreement
                  between SYNERTECH and a client, which sale results from a QCSI
                  Referral.

         1.27     SERVICE BUREAU CUSTOMER means an entity for which SYNERTECH
                  provides application hosting, patch application and testing,
                  claims processing or other administrative support services
                  using a Product and which is not granted a Sub-License to use
                  such Product by SYNERTECH.

         1.28     SOFTWARE means the machine readable computer software
                  programs, which comprise the Products.

         1.29     SUB-LICENSE means the license between SYNERTECH and a Customer
                  to use Products as defined herein and provided by Section 3.10
                  herein.

         1.30     SUPPORT means the services to be provided by QCSI as described
                  and in the manner set forth in Exhibit E.

         1.31     SYNERTECH REFERRAL has the meaning set forth in Section 3.12.

         1.32     SYNERTECH STAFF has the meaning set forth in Section 3.8-1.

         1.33     TERMINATION PAYMENT means an amount equal to the difference
                  between (i) the Aggregate Minimum License and Support Fee, and
                  (ii) the total of all License and Support Fees paid by
                  SYNERTECH as of the date in question.

         1.34     TOTAL MEMBERS means the sum of all Members at or during the
                  time in question.

         1.35     TURNKEY CUSTOMER means an entity to which SYNERTECH grants a
                  Sub-License and which operates, or has a subcontractor other
                  than SYNERTECH operate, such Product(s).

II.      SOFTWARE LICENSE GRANT

         2.1      Grant of License. QCSI hereby grants to SYNERTECH a perpetual,
                  non-exclusive, non-transferable license to use and grant
                  Sub-Licenses ("License"), subject to the terms, conditions,
                  limitations and restrictions as set forth herein. This License
                  grants SYNERTECH the right to:

                  2.1-1    Use the Products for Service Bureau Customers and
                           Existing Customers;

                                       2
<PAGE>   3
                  2.1-2    Grant Sub-Licenses to Existing Customers and Service
                           Bureau Customers as provided under Sections 3.10 and
                           3.11;

                  2.1-3    Copy the Products for the use indicated in
                           Subsections 2.1-1 and 2.1-2 above; such copies shall
                           include QCSI's copyright notices; and

                  2.1-4    Provide Customers with access to view and/or update
                           data in the Products, providing such Customers agree,
                           in writing, to maintain the confidentiality of the
                           Product.

         2.2      Fees. To maintain the License and receive Support hereunder,
                  SYNERTECH shall pay to QCSI the appropriate License and
                  Support Fees. Additional support services requested by
                  SYNERTECH will be charged by QCSI at its then prevailing
                  rates, subject to the provisions of Section 3.13.

         2.3      Confidentiality.

                  2.3-1    QCSI Information. SYNERTECH acknowledges that (a) the
                           Products, (b) all training materials, (c) all plans,
                           prices, configurations, specifications, techniques,
                           algorithms, schemas, screen prints, modification,
                           extraction, extrapolations and processes contained in
                           either (a) or (b), are the property and trade secrets
                           of QCSI and are subject to copyright protections. Any
                           copyright notice appearing on such materials does not
                           imply unrestricted or public access. No duplication,
                           usage, disclosure, or publication of such materials,
                           in whole or in part, for any purpose is permitted,
                           except that which is expressly permitted by this
                           Agreement or other written permission of QCSI.
                           SYNERTECH shall include in all copies made by it,
                           notices of copyright and other proprietary rights
                           included by QCSI in or on the Products. SYNERTECH
                           agrees to safeguard all code against non-licensed
                           use, copying, transfer or inspection by any third
                           party. SYNERTECH shall require all entities (and
                           shall require all entities to require their persons)
                           to whom SYNERTECH has granted authority to save data
                           or who have access to any Product to execute a
                           confidentiality agreement. Such confidentiality
                           agreements will be provided to QCSI upon QCSI's prior
                           written request.

                  2.3-2    SYNERTECH Information. QCSI acknowledges that the
                           business, financial and medical information of
                           SYNERTECH, its Customers and the Members constitute
                           confidential information. QCSI agrees to safeguard
                           such information and prevent any disclosure or use of
                           such information for any purposes whatsoever.

         2.4      Derivative Works. Any Derivative Work created by or on behalf
                  of QCSI and/or SYNERTECH shall be the property of QCSI. QCSI
                  recognizes that SYNERTECH may, from time to time without
                  QCSI's assistance wish to create reports, improvements,
                  additions, or enhancements, to the Products and agrees that
                  such work, which shall not be construed as Derivative Works,
                  shall be owned by SYNERTECH subject to QCSI's right to the
                  underlying Product.

         2.5      Injunctive Relief. Each party agrees that a breach of Section
                  2.3 may cause irreparable harm to the non-breaching party and
                  that such non-breaching party shall be entitled to seek
                  injunctive relief in the event of such breach.

         2.6      Loss or Damage to Product. In case of loss, damage, or
                  destruction of any Product, QCSI will replace it at the
                  written request of SYNERTECH. SYNERTECH shall pay QCSI's
                  reasonable reproduction and delivery expenses for such
                  replacement.

         2.7      Support. QCSI shall provide Support to SYNERTECH in the time
                  and manner set forth in Exhibit E.

III.     MISCELLANEOUS

         3.1      Product Delivery. QCSI will deliver at least one
                  machine-readable copy of the Software. QCSI agrees to provide
                  one (1) hardcopy and one (1) electronic copy of the
                  Documentation to SYNERTECH as such Documentation is published
                  or updated.

         3.2      Product Enhancements. QCSI shall develop and implement those
                  Product enhancements (the "Enhancements") set forth in Exhibit
                  C in accordance with the provisions thereof and of this
                  Section 3.2. Except as set forth in Exhibit C, each party
                  shall be responsible for its own costs and out of pocket
                  expenses incurred in the development of the Enhancements. In
                  the event any of the delivery dates set forth in Exhibit C are
                  not met, SYNERTECH shall have the right to terminate this
                  Agreement immediately and receive a full refund of all amounts
                  paid to QCSI hereunder.

         3.3      Standard Reports. QCSI will deliver a set of standard reports
                  with the Products. SYNERTECH acknowledges that third-party
                  report writing software tools are required to create new
                  reports or modify QCSI's standard reports. The license fee,
                  support and training costs for any third-party report writing
                  tools are not included in the License and Support Fee and must
                  be acquired separately. SYNERTECH acknowledges that QCSI's
                  standard reports are templates and examples of reports QCSI
                  has developed for non-specific use. SYNERTECH acknowledges
                  that it is responsible for the design, development and
                  production of its own reports, documents, letters and
                  identification cards to be used in conjunction with the
                  Products.

                                       3
<PAGE>   4
         3.4      Reference Data. QCSI will provide to SYNERTECH such reference
                  data as may be required to configure and test the Products,
                  together with the data table structure and interface method to
                  facilitate loading, editing and maintenance of reference data
                  required to operate the Products ("Initial Reference Data").
                  Following delivery of the Initial Reference Data, SYNERTECH
                  will be solely responsible for procuring, updating and
                  maintaining of all reference data required to operate the
                  Products.

         3.5      Source Code and PMPM Fees.

                  3.5.1    Escrow of Source Code. QCSI shall, at its expense,
                           maintain a copy of the most recent source code for
                           each Product with Ft. Knox Escrow Services Inc. or a
                           trustee mutually acceptable to QCSI and SYNERTECH
                           ("Escrow Agent"). QCSI shall, upon SYNERTECH's
                           request, provide SYNERTECH with a copy of the escrow
                           agreement. SYNERTECH shall have the right, at its
                           option to receive a copy of such source code from the
                           Escrow Agent under the following conditions:

                           3.5.1.1  QCSI Insolvency. QCSI ceases to do business
                                    (in whole or in part), becomes or is
                                    declared insolvent or bankrupt, or becomes
                                    the subject of any proceedings relating to
                                    its insolvency or liquidation (which, if
                                    involuntary, are not dismissed within 120
                                    days). SYNERTECH shall provide at least ten
                                    (10) days prior written notice to QCSI and
                                    Escrow Agent prior to receiving a copy of
                                    such source code;

                           3.5.1.2  Competitiveness of Product. QCSI fails to
                                    conclude at least two sales of the Product
                                    to new customers during any twelve (12)
                                    month period, SYNERTECH shall provide at
                                    least ten (10) days prior written notice to
                                    QCSI and Escrow Agent prior to receiving a
                                    copy of such source code; or

                           3.5.1.3  Breach or Discontinuance of Support. QCSI
                                    either (a) fails to correct a Code 1, Code 2
                                    or Code 3 Anomaly, as such terms are defined
                                    in Exhibit E, caused by or relating to the
                                    Product within the corresponding time period
                                    set forth in Exhibit E, or (b) ceases to
                                    provide Support for any Product. SYNERTECH
                                    shall provide at least three (3) days prior
                                    written notice to QCSI and Escrow Agent
                                    prior to receiving a copy of such source
                                    code.

                  3.5.2    Adjustment of Fees. In the event SYNERTECH exercises
                           the option to obtain a copy of the source code for
                           the Products upon the occurrence of any of the events
                           set forth in Subsection 3.5.1, then, from and after
                           the date upon which SYNERTECH exercises such option,
                           there shall be a reduction of all PMPM Fees by 18%
                           and SYNERTECH shall have no further obligation to pay
                           a Minimum Monthly Payment.

         3.6      Marketing. QCSI shall not reference SYNERTECH in advertising
                  and promotional materials concerning the sale and promotion of
                  the Products without the prior written permission in each such
                  instance. SYNERTECH shall not reference QCSI in advertising
                  and promotional materials concerning the sale and promotion of
                  the Products without the prior written permission in each such
                  instance. Notwithstanding the foregoing, QCSI may include
                  SYNERTECH in its customer or business partner lists and
                  SYNERTECH may include QCSI's name and the Product names in its
                  system or business partner lists. QCSI shall also obtain
                  SYNERTECH's prior written permission before use of any logo of
                  SYNERTECH. SYNERTECH agrees to act as a reference site for
                  QCSI, meaning SYNERTECH shall:

                  3.6-1    Host an annual minimum of four (4) prospective
                           clients of QCSI, upon the reasonable request of QCSI,
                           and demonstrate to such prospective clients of QCSI
                           the features and functions of the Products;

                  3.6-2    Reply to an annual maximum of twenty-four (24)
                           reference telephone calls to prospective clients of
                           QCSI;

                  3.6-3    Provide, in each case as described in Subsections
                           3.6-1 and 3.6-2, a positive reference of and for
                           QCSI, unless there are compelling reasons which
                           prevent a positive reference which have been
                           discussed in advance with QCSI and QCSI has been
                           provided adequate time to resolve;

                  3.6-4    Provide QCSI with positive quotes (verbal captions)
                           for marketing and sales material, press releases,
                           unless there are compelling reasons which prevent a
                           positive quote which have been discussed in advance
                           with QCSI and QCSI has been provided adequate time to
                           resolve; and

                  3.6-5    Work with QCSI to issue a joint press release as soon
                           as practicable following the execution of this
                           Agreement.

         3.7      Beta-Site Partner. QCSI shall consider SYNERTECH a beta site
                  partner of QCSI, meaning QCSI shall:

                  3.7-1    Use best efforts to apprise SYNERTECH of planned
                           Product enhancements and new product offerings in
                           advance of any public announcement or communication
                           thereof,

                                       4
<PAGE>   5
                  3.7-2    Offer to SYNERTECH the option, in each case, to test
                           enhancements and new products and to use such
                           enhancements and new products on a beta-site basis,

                  3.7-3    Allow SYNERTECH to provide input in advance of, and
                           feedback after reviewing, new enhancements and
                           product offerings; and

                  3.7-4    Allow a SYNERTECH designee to be a member of QCSI's
                           President's Advisory Board and invite a reasonable
                           number of SYNERTECH designees to attend all scheduled
                           Joint Application Development (JAD) sessions and all
                           annual client conferences.

         3.8      Training.

                  3.8-1    Product Training. QCSI will provide detailed training
                           courses in both the technical and functional aspects
                           of the Products to approximately thirty (30)
                           employees or contractors of SYNERTECH or its
                           Affiliates ("SYNERTECH Staff"). Courses will be
                           performed at SYNERTECH's Harrisburg, Pennsylvania
                           facility, unless otherwise agreed to by the parties,
                           provided such facility satisfies QCSI's technical and
                           communication requirements. Upon payment of the sum
                           of Thirty-Two Thousand ($32,000) Dollars, SYNERTECH
                           shall be entitled to receive 640 instructor hours,
                           the dates, content, extent, and timing of which will
                           be agreed to by QCSI and SYNERTECH. SYNERTECH shall
                           reimburse QCSI for all reasonable travel and living
                           expenses incurred by QCSI personnel in providing such
                           training, all such reimbursements to be made in
                           accordance with a mutually agreeable travel policy.
                           Subsequent training will be available at QCSI's then
                           prevailing price, subject to the provisions of
                           Section 3.13.

                  3.8-2    Implementation Training. For a period of at least
                           five (5) months, commencing within ninety (90) days
                           following the Effective Date, QCSI shall provide
                           planning, configuration and implementation training
                           with respect to the Products to approximately ten
                           (10) SYNERTECH Staff. Such training shall be provided
                           at no additional cost to SYNERTECH, other than the
                           travel and living expenses incurred by SYNERTECH
                           Staff, and shall occur at either QCSI's facilities or
                           at the facilities of QCSI's customers. If such
                           training occurs at a QCSI customer facility and QCSI
                           is able to bill and receive reimbursement from such
                           customer for the time and travel and living expenses
                           of any SYNERTECH Staff, QCSI shall reimburse
                           SYNERTECH for the time spent by SYNERTECH Staff at
                           the hourly rate of $45.00, and for all travel and
                           living expenses incurred by SYNERTECH Staff.

         3.9      Initial Installation of Software and Test Data. QCSI and
                  SYNERTECH shall jointly perform the initial installation of
                  the Software and QCSI's test data onto SYNERTECH's computer
                  equipment. Each party shall be responsible for its own costs
                  and out-of pocket expenses related to this installation.

         3.10     Sub-Licensing. Subject to the terms and conditions of this
                  Agreement, SYNERTECH shall have the exclusive right to grant
                  Sub-Licenses and provide related services to (a) Existing
                  Customers, and (b) each Service Bureau Customer who has been a
                  Service Bureau Customer for a period of not less than
                  twenty-four (24) months and who subsequently wishes to become
                  a Turnkey Customer. Neither QCSI nor any of its Affiliates,
                  agents or distributors shall, directly or indirectly, market,
                  sell or license any of the Products or related Support or
                  services to any of the entities described in clauses (a) and
                  (b) hereof. The form of Sub-License agreement to be used by
                  SYNERTECH shall be mutually agreed upon by QCSI and SYNERTECH.
                  The prices at which SYNERTECH sublicenses the Products shall
                  be solely determined by SYNERTECH.

         3.11     Transition. Upon execution of this Agreement, QCSI and
                  SYNERTECH shall jointly develop a written strategy for moving
                  SYNERTECH's Existing Customers to the Products. The strategy
                  shall include, but not be limited to, sales, communication,
                  technical, staffing, timing and functionality issues. Each
                  party shall be responsible for its costs and out-of-pocket
                  expenses incurred in the development of this strategy.

         3.12     Referrals.

                  3.12-1   QCSI Referrals to SYNERTECH. If QCSI becomes aware
                           that a prospective client is interested in acquiring
                           services from SYNERTECH, QCSI agrees to (i) refer
                           such prospective client to SYNERTECH, and (ii) notify
                           SYNERTECH of such prospective client ("QCSI
                           Referral").

                  3.12-2   SYNERTECH Referrals to QCSI. If a prospective client
                           is interested in acquiring products from QCSI,
                           SYNERTECH agrees to (i) refer such prospective client
                           to QCSI, and (ii) notify QCSI of such prospective
                           client ("SYNERTECH Referral").

                  3.12-3   Reference Sale Fee - SYNERTECH Referral. In the event
                           a Synertech Referral results in a Reference Sale,
                           QCSI shall pay to SYNERTECH a Reference Sale Fee. A
                           Reference Sale must (a) be with an entity with whom
                           there is no Prior Relationship, (b) require that
                           there be written notification to QCSI by SYNERTECH of
                           the referral, and c) require that the agreement with
                           such entity be executed within eighteen (18) months
                           of such notification. QCSI shall notify SYNERTECH of
                           the Reference Sale within fifteen (15) days of its
                           execution. The Reference Sale Fee, in the event of a
                           SYNERTECH Referral shall be equal to ten percent
                           (10%) of all PMPM Fees received by QCSI during the
                           first twelve (12) month period that QCSI receives
                           PMPM Fees from such entity under the

                                       5
<PAGE>   6
                           agreement between QCSI and such entity. The Reference
                           Sale Fee shall be paid to SYNERTECH on a monthly
                           basis within 10 days following the end of the
                           calendar month in which the PMPM Fees in question
                           were received.

                  3.12-4   Reference Sale Fee - QCSI Referral. In the event a
                           QCSI Referral results in a Reference Sale, SYNERTECH
                           shall pay to QCSI a Reference Sale Fee. A Reference
                           Sale must (a) be with an entity with whom there is no
                           Prior Relationship, (b) require that there be written
                           notification to SYNERTECH by QCSI of the referral,
                           and (c) require that the agreement with such entity
                           be executed within eighteen (18) months of such
                           notification. SYNERTECH shall notify QCSI of the
                           Reference Sale within fifteen (15) days of its
                           execution. The Reference Sale Fee, in the event of a
                           QCSI Referral, shall be equal to five percent (5%) of
                           all PMPM Fees received by SYNERTECH during the first
                           twelve (12) month period that SYNERTECH receives PMPM
                           Fees from such entity under the agreement between
                           SYNERTECH and such entity. The Reference Sale Fee
                           shall be paid to QCSI on a monthly basis within 10
                           days following the end of the calendar month in which
                           the PMPM Fees in question were received.

         3.13  Favored Nations Pricing. Throughout the term of this Agreement,
               QCSI agrees to offer to SYNERTECH its most competitive (lowest)
               fees, rates and other charges as QCSI charges any organization
               contracted with QCSI which provides service bureau or outsourcing
               services, if those fees, rates and other charges are lower than
               the fees, rates and charges provided herein.

IV.      TERM AND TERMINATION

         4.1      Term and Termination Without Cause. This Agreement shall
                  commence upon the Effective Date and shall continue unless
                  terminated (a) for cause by either party pursuant to Section
                  4.2, or (b) without cause by SYNERTECH upon one hundred twenty
                  (120) days prior notice. In the event SYNERTECH terminates
                  this Agreement without cause within the five (5) year period
                  following the Effective Date, SYNERTECH shall be liable to
                  QCSI for an amount equal to the Termination Payment as of the
                  effective date of termination of this Agreement. The
                  Termination Payment shall be made in monthly installments,
                  subject to adjustment as provided in Subsection 4.4-3.

         4.2      Termination For Cause. Either party may terminate this
                  Agreement at any time upon notice to the other if: (i) the
                  other party breaches any of its obligations under this
                  Agreement and fails to remedy such breach within thirty (30)
                  days following written notice from the other party, (ii) the
                  other party ceases to do business (in whole or in part),
                  becomes or is declared insolvent or bankrupt, or is the
                  subject of any proceedings relating to its insolvency or
                  liquidation (which, if involuntary, are not dismissed within
                  120 days).

         4.3      Breach by QCSI. In the event of a breach by QCSI which is not
                  cured within the applicable grace period, SYNERTECH may elect
                  not to terminate the Agreement in which case this Agreement
                  shall continue and all terms and conditions hereof shall
                  continue to apply, except that there shall be no further
                  License and Support Fees payable by SYNERTECH on and after the
                  expiration of the applicable grace period.

         4.4      Obligations Upon Termination.

                  4.4-1    Cease Use. SYNERTECH will immediately cease all
                           display, advertising and use of all trademarks, trade
                           names and logos belonging or licensed to QCSI and
                           will not thereafter use, advertise or display any
                           name, mark or logo which is similar to any such
                           trademark, trade name or logo. Upon such termination,
                           SYNERTECH shall immediately cease to use any
                           marketing or other materials that identify it as a
                           representative of the Products.

                  4.4-2    Return Materials. SYNERTECH shall, at its expense,
                           promptly return to QCSI all copies of the Products
                           and any marketing or other materials relating to the
                           Products, whether in original or altered form or
                           copied in whole or in part and shall deliver to QCSI
                           within ten (10) days following the termination of
                           this Agreement a certificate signed by an officer of
                           SYNERTECH certifying the return of all such
                           materials.

                  4.4-3    Assignment of Customer Agreements. SYNERTECH shall
                           offer to assign to QCSI or its nominee any and all
                           Customer agreements and any other agreement between
                           SYNERTECH and a Customer with respect to the Products
                           and, to the extent that QCSI accepts such assignment,
                           SYNERTECH shall receive a credit against the
                           Termination Payment, if any, for all PMPM Fees
                           received by QCSI with respect to each accepted
                           Customer Contract; provided, however, that in no
                           event shall the amount of such credit exceed the
                           amount of the Termination Payment.

V.       WARRANTIES AND INDEMNIFICATION

         5.1      Initial Warranty. QCSI warrants that each Product will operate
                  substantially in accordance with the Documentation for a
                  period of ninety (90) days from the date of upon which
                  SYNERTECH commences processing services for a Customer using
                  such Product (the "Warranty Period"). In the event QCSI is
                  unable to repair or replace the defective Product, SYNERTECH
                  shall be entitled to a refund of all amounts paid for such
                  Product. Such remedy shall be available only if QCSI is
                  notified in writing within the Warranty Period and is afforded
                  a reasonable opportunity to cure such breach.

                                       6
<PAGE>   7
         5.2      Services Warranty. QCSI warrants that the training and other
                  services performed by QCSI hereunder (excluding Support) will
                  be performed in a good and workmanlike manner, consistent with
                  industry standards. SYNERTECH's sole and exclusive remedy for
                  a breach of the foregoing warranty shall be limited to having
                  the services re-performed at no additional cost to SYNERTECH.

         5.3      Support Warranty. QCSI warrants that it shall remedy any
                  Product Anomaly reported during the term of this Agreement
                  within the time frames set forth in Exhibit E. This warranty
                  is contingent upon SYNERTECH's computing environment being
                  consistent with QCSI's recommended hardware and software
                  specifications and in good working order. It is further
                  contingent upon the Products being properly used and not
                  modified and/or serviced by an entity other than QCSI. QCSI
                  does not warrant that the Products will meet SYNERTECH's
                  requirements or will operate in the combinations which may be
                  selected for use by SYNERTECH, or that the operation of the
                  Products will be uninterrupted or error free. This warranty
                  does not extend to Products modified by SYNERTECH, for
                  Anomalies due to SYNERTECH's misuse of third-party products,
                  or to use of a version of the Product which is more than one
                  version past QCSI's latest released version.

         5.4      Year 2000 Warranty. QCSI warrants that the Software is Year
                  2000 Compliant. As used in this Section 5.4, Year 2000
                  Compliant means that the Software (i) manages and manipulates
                  data involving dates, including single-century and
                  multi-century formulas, without generating incorrect values
                  involving such dates; (ii) provides that all date-related user
                  interface functionalities and data fields include indication
                  of the century and (iii) provides that all date-related data
                  interface functionalities include an indication of the
                  century. This warranty is contingent upon all hardware,
                  third-party software, and operating system used with the
                  Software accurately reflecting the change and not affecting
                  the Software.

         5.5      Title. QCSI warrants that it owns the Software and has the
                  legal right to grant the Licenses, provide Support, and
                  perform the services set forth in this Agreement.

         5.6      NO OTHER WARRANTIES. THE FOREGOING IS IN LIEU OF ALL OTHER
                  WARRANTIES EXPRESSED OR IMPLIED. QCSI HEREBY DISCLAIMS ALL
                  WARRANTIES NOT EXPRESSLY SET FORTH IN THIS AGREEMENT INCLUDING
                  BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY
                  OR FITNESS FOR A PARTICULAR PURPOSE. SYNERTECH HEREBY
                  DISCLAIMS ANY RELIANCE ON ANY WARRANTY OR REPRESENTATION NOT
                  EXPRESSLY SET FORTH IN THIS AGREEMENT.

         5.7      NO LIABILITY FOR CONSEQUENTIAL DAMAGES. EXCEPT FOR A BREACH OF
                  THE CONFIDENTIALITY PROVISIONS OF THIS AGREEMENT, IN NO EVENT
                  WILL EITHER PARTY BE LIABLE FOR ANY LOST PROFITS, LOST
                  SAVINGS, LOSS OF DATA, LOSS OF USE OF SOFTWARE, COSTS OF
                  RECREATING LOST DATA, OR ANY OTHER INDIRECT, SPECIAL OR OTHER
                  CONSEQUENTIAL DAMAGES, EVEN IF SUCH PARTY HAD BEEN ADVISED OF
                  THE POSSIBILITY OF SUCH DAMAGES.

         5.8      LIMITATIONS ON LIABILITY AND REMEDIES. EXCEPT FOR A BREACH OF
                  THE CONFIDENTIALITY PROVISIONS OF THIS AGREEMENT AND EXCEPT
                  WITH RESPECT TO QCSI'S OBLIGATIONS UNDER SECTION 5.9, NEITHER
                  PARTY SHALL BE LIABLE FOR DAMAGES FROM ANY CAUSE WHATSOEVER,
                  REGARDLESS OF THE FORM OF ACTION, INCLUDING CONTRACT, TORT,
                  COMPUTER MALPRACTICE, PRODUCTS LIABILITY, STRICT LIABILITY, OR
                  OTHERWISE SHALL BE LIMITED TO AN AMOUNT EQUAL TO THE TOTAL OF
                  ALL FEES PAID TO QCSI IN THE EIGHTEEN (18) MONTH PERIOD
                  PRECEEDING THE PARTY'S WRITTEN NOTIFICATION TO THE OTHER PARTY
                  OF ANY WRONGFUL ACTION.

         5.9      Indemnification. QCSI shall indemnify and hold SYNERTECH and
                  its Customers harmless, at QCSI's expense, against any claim
                  that the Product infringes on a valid patent, copyright, trade
                  secret or other intellectual property right of a third party
                  in the United States. QCSI will also pay all costs, damages,
                  and attorney's fees that a court finally awards as a result of
                  such claim. QCSI's duties under this Section 5.9 are
                  conditioned upon the following:

                  5.9-1    SYNERTECH shall give QCSI prompt written notice of
                           any actual or threatened claim.

                  5.9-2    QCSI shall have control of the defense of any claim
                           and of all negotiations for the settlement or
                           compromise of such claim.

                  5.9-3    SYNERTECH shall cooperate with QCSI in the defense or
                           settlement of any claim at QCSI's expense.

                  5.9-4    The claim does not arise out of SYNERTECH's or a
                           Customer's modification of the Product or the use of
                           the Product in combination with anything not approved
                           by QCSI.

                  If a patent, trade secret or copyright infringement occurs, or
                  in QCSI's judgment is likely to occur, QCSI, shall, at its
                  option and expense, either procure the right for SYNERTECH to
                  continue using the Products, or replace or modify such
                  Products to be functionally equivalent so that they become
                  non-infringing. If neither of the foregoing alternatives is
                  reasonably available in QCSI's judgment, SYNERTECH shall
                  return all copies of

                                       7
<PAGE>   8
                  Product in question to QCSI upon QCSI's written request. QCSI
                  shall refund a pro-rata portion of all fees paid to QCSI for
                  the affected Product(s) based on a five-year useful life.

VI.      GENERAL PROVISIONS

         6.1      Applicable Law and Arbitration. This Agreement shall be
                  construed and interpreted in accordance with the laws of the
                  State of California. In the event that the parties are unable
                  to resolve within a reasonable time any controversy, dispute
                  or claim arising out of or in connection with this Agreement,
                  or its interpretation, performance or termination, binding
                  arbitration shall be conducted in accordance with the
                  Commercial Arbitration Rules of the American Arbitration
                  Association ("AAA"). In the event of arbitration or
                  litigation, the prevailing party shall be entitled to recover
                  costs and expenses including reasonable attorney's fees. If
                  SYNERTECH is the filing party, any dispute shall be venued in
                  the County of Santa Clara and any action filed shall be in the
                  Superior Court of the State of California, in and for the
                  County of Santa Clara. If QCSI is the filing party, any
                  dispute shall be venued in the County of Los Angeles and any
                  action filed shall be in the Superior Court of the State of
                  California, in and for the County of Los Angeles. Any action
                  or arbitration brought in any other venue shall be subject to
                  mandatory dismissal and the filing party to pay all costs and
                  expenses incurred in connection with any such wrongful filing.

         6.2      Assignment. Neither party may assign or transfer this
                  Agreement, in whole or in part, except as expressly permitted
                  herein without the prior written approval of the other party,
                  which shall not be unreasonably withheld. Notwithstanding the
                  foregoing, either party may assign or transfer this Agreement
                  to an Affiliate.

         6.3      Export Act. SYNERTECH shall not export any part of the
                  Products to any country in contravention of any law of the
                  United States, including the Export Administration Act of 1979
                  and regulations relating thereto.

         6.4      Modification of the Agreement/Entire Agreement. This Agreement
                  supersedes all oral or written agreements, if any, between the
                  parties and constitutes the entire agreement between the
                  parties with respect to the matters contained herein. Any
                  modification, amendment, cancellation, or waiver of rights
                  under this Agreement shall be effective only if in writing
                  signed by a duly authorized representative of the party
                  against whom enforcement of the same is sought. No waiver of
                  any breach of this Agreement shall be construed as a waiver of
                  any subsequent breach. No delay in acting with regard to any
                  breach shall be construed as a waiver of the breach. No waiver
                  shall be effective unless in writing.

         6.5      Reservation of Rights. All rights of QCSI not expressly
                  granted to SYNERTECH in writing are reserved.

         6.6      Severability. In the event that any provision of this
                  Agreement shall become or be unenforceable, invalid, void or
                  voidable, the same shall be limited, construed or, if
                  necessary, limited to the extent necessary to remove such
                  defect and the remaining provisions shall continue to bind the
                  parties as though the unenforceable, invalid, void or voidable
                  part are not a part of the Agreement.

         6.7      Force Majeure. Each party shall be excused for failures and
                  delays in performance of its respective obligations under this
                  Agreement caused by war, riots or insurrections, laws and
                  regulations, strikes, floods, fires, explosions, or other
                  catastrophes beyond the control and without the fault of such
                  party. This provision shall not, however, release such party
                  from using its best efforts to avoid or remove such cause, and
                  such party shall continue performance hereunder with the
                  utmost dispatch whenever such causes are removed. Upon
                  claiming any such excuse or delay for nonperformance, such
                  party shall give prompt notice thereof to the other party.

         6.8      Recruitment of Personnel. During the term of this Agreement
                  and for a period of one (1) year thereafter, neither QCSI nor
                  SYNERTECH will hire, employ or contract with, directly or
                  indirectly, any key employee of the other party without the
                  prior written consent of such other party.

         6.9      Use of Marks. In connection with SYNERTECH's promotion of its
                  services, SYNERTECH may reproduce QCSI's name, symbols,
                  trademarks, service marks and copyrights in accordance with
                  QCSI's policies regarding same. SYNERTECH shall use the
                  appropriate registered or common-law trademark symbols in
                  connection with such reproduction.

         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
Effective Date. QUALITY CARE SOLUTIONS, INC. SYNERTECH HEALTH SYSTEM SOLUTIONS,
INC.

By:      /s/ Gregory S. Anderson                By:      /s/ Steven E. Rock
Name:    Gregory S. Anderson                    Name:    Steven E. Rock
Title:   Chief Executive Officer                Title:   President & CEO
Date:    July 30, 1999                          Date:    July 30, 1999

                                       8
<PAGE>   9
                                    EXHIBIT A

                                FEES AND PAYMENTS

FEES

In consideration for the License and Support being provided hereunder, SYNERTECH
agrees to pay QCSI according to the following fee schedule and terms and
conditions herein. SYNERTECH agrees to permit QCSI electronic access to
SYNERTECH's database for billing purposes, if applicable.

License and Support Fee [Confidential treatment has been requested]

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------
                                                        PMPM FEE
--------------------------------------------------------------------------------------------------------------------
Total Members                        QMACS Members              Combination Members            aQDEN Members
Including Carve-Out Members
(By Month)
--------------------------------------------------------------------------------------------------------------------
<S>                                  <C>                        <C>                            <C>
Tier 1   <= [****]                      [****]                         [****]                      [****]
--------------------------------------------------------------------------------------------------------------------
Tier 2   >  [****]   <=                 [****]                         [****]                      [****]
1,000,000
--------------------------------------------------------------------------------------------------------------------
Tier 3   >  [****]                      [****]                         [****]                      [****]
--------------------------------------------------------------------------------------------------------------------
</TABLE>

On a monthly basis, SYNERTECH shall pay QCSI the applicable License and Support
Fee which shall be calculated by taking the total number of Members for the
month in question times the applicable PMPM Fee for each such Member. The PMPM
Fee for each Carve-Out Member shall be equal to ten percent (10%) of the
appropriate PMPM Fee set forth in the above table. The order in which QMACS,
Combination and aQDEN Members are considered is important in calculating the
monthly License and Support Fee. The order in which such Members shall be
considered shall be (1) QMACS Members; (2) Combination Members; and (3) aQDEN
Members. For purposes of clarification, an example of the calculation of the
monthly License and Support Fee is provided in Exhibit B, "Example Calculation."

Advance Payment [Confidential Treatment has been Requested]

SYNERTECH shall pay QCSI an advance payment of the License and Support Fees in
an amount equal to [****] ("Advance Payment"), which shall be payable in
accordance with Exhibit C. Effective January 1, 2001, Synertech shall offset any
and all monthly License and Support Fees payable to QCSI by a portion of the
Advance Payment, equal to, on a monthly basis, the lesser of (i) [****] or (ii)
[****] of the License and Support fees for the month, but not less than [****].

Minimum Monthly Payment [Confidential Treatment has been Requested]

Effective July 1, 2000 through June 30, 2005 in no event shall the monthly
License and Support Fee paid by SYNERTECH to QCSI be less than the following:

<TABLE>
<CAPTION>
         Month                                 Minimum License and Support Fee
         -----                                 -------------------------------
<S>                                            <C>
         July, 2000                                       [****]
         August, 2000                                     [****]
         September, 2000                                  [****]
         October, 2000                                    [****]
         November, 2000                                   [****]
         December, 2000 through
         June 2005                                        [****]
</TABLE>

The PMPM fees set forth above shall be in effect through June 30, 2005.
Thereafter, the fees shall be adjusted as follows:

(1)      For the period July 1, 2005 through June 30, 2006, the PMPM Fees set
         forth in the above chart shall be adjusted by the cumulative increase
         in the Consumer Price Index (All Urban Consumers)("CPI"), if any,
         subject to a maximum increase of fifteen percent (15%).

                    **** - Confidential Treatment Requested
<PAGE>   10
(2)      For each subsequent twelve (12) month period, the PMPM Fees for each
         period shall be equal to the PMPM Fees for the preceding twelve (12)
         month period, as adjusted by the corresponding increase in the CPI, if
         any, subject to a maximum annual increase of five percent (5%).

Implementation Fees [Confidential Treatment has been Requested]

At SYNERTECH's request, QCSI agrees to support SYNERTECH in the first two
Customer Software implementations performed by SYNERTECH. QCSI agrees to provide
up to [****] of support for each of the two implementations, at a discounted
rate of [****] per service unit. Service units are roughly equivalent to one
person-hour of work.

SYNERTECH shall pay QCSI for actual service units expended on the same basis
upon which its Customer pays SYNERTECH for such implementation, however QCSI
shall be paid no less frequently than monthly for service hours expended during
such month. For example, if SYNERTECH is paid fifty percent (50%) of estimated
implementation fee in advance, SYNERTECH will pay QCSI fifty percent (50%) of
QCSI's expected support fee in advance. SYNERTECH shall make such payments to
QCSI within fifteen (15) days of SYNERTECH's receipt of payment from its
Customer.

Any subsequent implementations or projects performed by QCSI at the request of
SYNERTECH and/or SYNERTECH Customers will be charged at QCSI's prevailing rate.

QCSI Support

QCSI will provide SYNERTECH with advance estimates of all work related to
support requested by SYNERTECH during subsequent implementations or other
support requested by SYNERTECH.

PAYMENT GUIDELINES

MEMBER REPORTING

SYNERTECH shall report to QCSI the total number and types of Members for each
calendar month by the twentieth of such month. The report shall indicate the
number of Members by Customer as of the fifteenth (15th) of such month. QCSI
shall, upon receipt of such report, generate an invoice for such calendar month.
QCSI shall have the right to validate and audit such Member reports upon its
request.

LATE PAYMENT AND INTEREST

The fees and expenses set forth in this Exhibit are to be paid within thirty
(30) days of receipt of invoice. Any payment, which is more than fifteen (15)
days past due, will accrue interest at the rate of twelve percent (12.00%) per
annum until paid in full. QCSI shall have the right to suspend all its
obligations under this Agreement in the event that any payment is more than
sixty (60) days past due. QCSI shall notify SYNERTECH in writing at least
fifteen (15) days before suspending its obligations for late or non-payment.

In the event that SYNERTECH determines in its reasonable judgment that a billing
error has occurred, SYNERTECH must notify QCSI in writing within thirty (30)
days of receipt of such erroneous invoice. SYNERTECH agrees to pay all
undisputed items on an invoice, which may have disputed items contained thereon.
QCSI agrees that no interest shall accrue for contested invoice items until
forty five (45) days following QCSI's response to SYNERTECH's notice of billing
error. The parties agree to negotiate and resolve in good faith any disputed
invoice items.

TRAVEL AND EXPENSE GUIDELINES

SYNERTECH will be responsible for QCSI's reasonable out-of-pocket and travel
expenses, incurred by QCSI as a result of its support of such implementations
and or other support provided by QCSI upon the request of SYNERTECH. SYNERTECH
agrees to reimburse or pay QCSI for reasonable travel, lodging, and meals, which
are incurred by QCSI at SYNERTECH or SYNERTECH's Customer's office. SYNERTECH
agrees to pay travel time, if requested by SYNERTECH that QCSI personnel travel
during normal business hours (Monday through Friday, 8:00am to 5:00pm,
prevailing Arizona time). SYNERTECH shall pay for such travel time at a reduced
rate of fifty (50%) percent of the hourly cost , subject to a maximum for four
(4) hours of travel time per day.

QCSI has the following guidelines regarding travel: QCSI books coach class seats
for air travel, using the best available pricing by carrier for reasonable time
departures and arrivals. QCSI books mid-range hotels within reasonable distance
to client site. QCSI books mid-size or full size cars as appropriate based on
the number of persons participating in a site visit. QCSI associates are prudent
and reasonable on meal expenditures. QCSI only charges clients at half time
rates for travel time. QCSI will agree to conform to IRS regulations.

                    **** - Confidential Treatment Requested
<PAGE>   11
                                    EXHIBIT B

                               EXAMPLE CALCULATION

<TABLE>
<CAPTION>
                                                                                            NUMBER OF
QMACS MEMBERS                                                                            ACTIVE MEMBERS
-------------                                                                            --------------
<S>                                                         <C>                          <C>
   1. Turnkey                                                                                 [****]
   2. Service Bureau                                                                          [****]
   3. Carve-Out
          - Total                                              [****]
          - 10% of Above                                       [****]                         [****]
                                                                                              ------
TOTAL QMACS Members                                                                           [****]

COMBINATION MEMBERS
    1. Turnkey                                                 [****]
    2. Service Bureau                                          [****]
                                                               -------
TOTAL Combination Members                                                                     [****]

AQDEN MEMBERS
    1. Turnkey                                                  [****]
    2. Service Bureau                                           [****]
                                                               -------
TOTAL aQDEN Members                                                                           [****]
                                                                                             -------

GRAND TOTAL ACTIVE MEMBERS                                                                    [****]
(Including Carve-Out Members)
</TABLE>

                     Calculation of License and Support Fee

<TABLE>
<CAPTION>
                                                                                           LICENSE AND
                                                                                           SUPPORT FEE
                                                                                           -----------
   QMACS MEMBERS
<S>                                                                  <C>                    <C>
          Tier 1, 360,000 @ $0.12                                                            [****]

    COMBINATION MEMBERS
          Tier 1, [****]                                                [****]
          Tier 2, [****]                                                [****]
                                                                       -------
                                                                                             [****]

    aQDEN MEMBERS
          Tier 2, [****]                                                [****]
          Tier 3, [****]                                                [****]
                                                                       -------
                                                                                             [****]
                                                                                              -----

TOTAL LICENSE AND SUPPORT FEE                                                                [****]
                                                                                      =======================
(before Advance Payment Reduction)
</TABLE>

                    **** - Confidential Treatment Requested

<PAGE>   12
                                    EXHIBIT C

            GENERAL FUNCTIONALITY REQUIREMENTS FOR SYNERTECH BUSINESS

I.       QCSI shall provide SYNERTECH with the following functionality, and QCSI
         and SYNERTECH shall mutually agree upon the methodology to achieve this
         functionality. QCSI and SYNERTECH shall mutually develop detailed
         specifications.

         A.       ACCOUNTS RECEIVABLE/PREMIUM BILLING - Process accounts
                  receivable payments/adjustments and carry balances forward.
                  Produce operational reporting and letter generation associated
                  with this function. Integrate this function with premium
                  billing.

         -        Invoices must automatically account for premium billing cash
                  receipts and account/group retroactive member, contract and
                  rate and manual receipts or invoice adjustments made since the
                  previous billing period. The invoice must detail all
                  transactions by date (i.e. payments by receipt date, previous
                  account balance, unallocated cash that is in the account,
                  current month bill, total due, etc.).

         -        Manual invoice adjustments are required and must be controlled
                  through flexible user security privileges. These adjustments
                  must be systematically updated in the general ledger.

         -        Invoices must capture the general ledger account number for
                  the billing period.

         -        System controlled cutoff for membership processing is
                  necessary to ensure consistency and accuracy of premium
                  billing calculations and financial accounting.

         -        Process receivable allocations to invoice line-level detail.

         -        Integrated cash receipts functionality requires the ability to
                  record the receipt (detailed batch processing for lock boxes),
                  post the receipt to the general ledger (manually and
                  automatically), reverse a receipt (returned check) and
                  allocate receipts to the appropriate account/group/invoice
                  (following varied allocation rules). Application of cash
                  receipts must be reversable. Cash receipts processing must
                  include reconciliation and editing capabilities.

         -        Inbound electronic fund transfers (EFT) capability is
                  required.

         -        Automated dunning process is required to generate initial and
                  follow-up letters according to time and aging parameters. This
                  process must also support recording of responses throughout
                  the process.

         -        Aging and audit trail reports are required for verification of
                  receipts processing and cash allocation.

         -        Integrated delinquent account processing must include the
                  ability to inquire and identify account status (i.e.
                  paid-in-full, delinquent) and systematically suspend/deny
                  claims/capitation processing and payments based on user
                  defined rules.

         -        Credit balances must be able to be generated from Billing and
                  then credit used to satisfy account balance from previous
                  invoices during allocation.

         B.       CLAIMS - Improve adjustment reporting and tracking capability
                  (associate adjustment to the original claim). Automate
                  multiple surgery logic for both professional and facility
                  claims. Integrate DRG logic.

         -        Add display and sort capabilities for identifier that links
                  adjustments to original claims for inquiry and reporting
                  purposes.

         -        Capture savings associated as a result of automated multiple
                  surgery logic.

         -        Integrated DRG logic must capture originally submitted DRG and
                  systematically determine a DRG based on grouper logic. Use
                  systematically determined DRG for adjudication purposes and
                  include the ability to override the system default.

         C.       BROKER APPLICATION - Manage broker and agency relationships.
                  Provide flexible methods for calculating commissions and
                  automate check disbursement. Produce reports, extracts and
                  statements associated with this function.

         -        Must be able to define relationships between groups,
                  contracts, agencies, brokers and sales representatives.

         -        Track and Pay commissions owed to agencies, brokers, and sales
                  representatives based on user defined calculation
                  methodologies. Rate methodologies must be able to use premium
                  receipts, premium bills, member counts, individual members
                  enrolled or any combination of these factors to calculate
                  commission payments and produce checks. These rates must also
                  be variable based on minimum and/or maximum amounts. The rates
                  must accommodate a percentage or flat dollar amount. Process
                  must allow for manual adjustments to the broker payment.

         -        User defined rules are necessary for setting dis-enrollment
                  parameters and minimum payment parameters which effect
                  commission calculations and payments.

         -        Broker payments must be available for accounts payable, check
                  generation and 1099 processing. Appropriate roll-up
                  capabilities are required for check generation at the agency
                  level.

         D.       CAPITATION - Enhance existing functionality by adding a
                  percentage of premium capitation process. Automate the
                  capitation reconciliation process for Medicare. Add logic for
                  incentive/penalty payments based on quality factors.

         -        Percent of premium calculation for shared risk arrangements
                  and provider reimbursement must:

                  A.       Distribute premium at a member level using user
                           defined formulas

                  B.       Establish budget pools/targets for medical expenses

                  C.       Calculate and report all medical and program expenses
                           against the allocated premium revenue by member.
                           Provide the ability to roll the financials to a
                           higher level than provider.

<PAGE>   13
                  D.       Calculate capitation based on percentage of premium
                           for the member

                  E.       Associate providers at a higher grouping for payment,
                           reporting and reconciliation

                  F.       Record external expenses at the member level for
                           inclusion in calculations

         -        Enhance Medicare capitation reconciliation process by
                  automating the following functions: calculate inbound
                  capitation, record accounts receivable, record cash receipts,
                  reconcile cash receipts from HCFA and other payers to the
                  accounts receivable, and report discrepancies.

         -        Provider quality programs require ability to adjust capitation
                  payments by quality indicators. These indicator values are
                  used to determine calculation of bonuses or penalties based on
                  percentage of calculated capitation or flat rates.

         E.       COORDINATION OF BENEFITS (COB) - Enhance existing
                  functionality by adding the capability to exclude capitated
                  services from COB processing.

         -        Identify type of COB (i.e. Workers Compensation, Auto
                  Insurance, Other Carriers) and require associated payment
                  information.

         -        Provide capability to vary COB methodology (i.e. come out
                  whole, non-duplication, etc.) at the employer group level.

         -        Provide the flexibility to include or exclude capitated
                  services at the line level from COB calculation. This
                  flexibility must be set at the program level and overridden at
                  the employer group level.

         -        Apply COB savings from a savings bank (captured at the member
                  level) to reduce member liability.

         F.       GENERAL LEDGER - Support flexible chart of accounts that is
                  integrated with Accounts Payable/Accounts Receivable.

         -        Provide a user-defined, parameter driven chart of accounts for
                  all financial transactions (i.e. Accounts Payable/Accounts
                  Receivable for claims, capitation, brokers, premium billing,
                  etc.).

         -        Create file for interface to third party financial packages.

         G.       PROVIDER CREDENTIALING - Interface where feasable with
                  national data banks (National Practitioner Data Bank, the
                  Board Action Data Bank of the Federation of State Medical
                  Boards, and the Physician Masterfile of the American Medical
                  Association) for physician education, training, licensure and
                  insurance/malpractice information.

         H.       BENCHMARK - QCSI and Synertech mutually agree to perform a
                  benchmark of the QMACS Software to prove scalability required
                  for a large commercial payor, defined as greater than 500,00
                  members.

II.      With the exception of Subsection I.H, "Benchmark" above, QCSI and
         SYNERTECH agree to the following time frames related to the
         Enhancements set forth in Section I of this Exhibit C.

         A.       Within thirty (30) days of the Effective Date, Synertech and
                  QCSI shall jointly develop and agree on the detail
                  specifications for each Enhancement. Such mutually agreed upon
                  specifications shall supersede the specifications set forth in
                  Section I of this Exhibit C.

         B.       Within ninety (90) days of agreement upon the specifications,
                  unless otherwise agreed to by the parties. QCSI shall program
                  the Enhancements, install such Enhancement in a test version
                  of the Software, and deliver such Software to Synertech.

         C.       Within forty-five (45) days of QCSI's delivery of the
                  Enhancements to SYNERTECH, SYNERTECH shall test the
                  Enhancements, and forward to QCSI, in writing, any
                  inconsistencies or errors between the Software and the
                  specifications.

         D.       Within thirty (30) days of receipt of SYNERTECH's final notice
                  of inconsistencies or errors in the Software, QCSI shall have
                  corrected all such inconsistencies and/or errors and notify
                  Synertech, in writing, of such corrections.

         E.       Within ten (10) days of receipt of QCSI's notification of the
                  correction of all inconsistencies and/or errors, Synertech
                  shall verify such corrections. Once all inconsistencies and
                  errors have been corrected by QCSI, Synertech shall notify
                  QCSI of its acceptance of the Enhancements. Failure of
                  SYNERTECH to notify QCSI of the existence of any
                  inconsistencies and/or errors within such ten (10) day period
                  shall constitute acceptance.

III.     Synertech shall remit the Advance Payment to QCSI in the following
         manner: [Confidential treatment has been requested]

         A.       [****] upon execution of this Agreement.

         B.       [****] upon delivery of the Enhancements to
                  Synertech, as set forth in Section II.B, above.

         C.       [****] upon acceptance of the Enhancements, as
                  set forth in Section II.E, above.

IV.      In the event, QCSI fails to meet its obligations as set forth in this
         Exhibit C, or in the event QCSI and Synertech are unable to reach
         agreement on the specifications for such Enhancements as set forth in
         Section II.A above, Synertech shall have the right, upon written
         notification to QCSI, to immediately terminate this agreement. In the
         event Synertech elects to terminate the Agreement in accordance with
         the provisions of this Section IV, QCSI shall refund to Synertech any
         amounts paid to QCSI as an Advance Payment within thirty (30) days of
         receipt of such notice of termination from Synertech.

                    **** - Confidential Treatment Requested
<PAGE>   14
                                    EXHIBIT E

                                     SUPPORT

I.       SUPPORT PROVIDED BY QCSI

QCSI shall provide the following Support services to SYNERTECH

   A.   Corrections to all Anomalies reported to QCSI by SYNERTECH, in
        accordance with the target resolution and escalation times indicated in
        Section II of this Exhibit E.

   B.   Any and all enhancements, updates, and releases to the Products, to be
        provided to SYNERTECH upon general release to QCSI's other clients.

   C.   Upgrades to the Products necessary to comply with current and future
        federal regulations. SYNERTECH and QCSI shall use best efforts to
        identify changes in federal regulations and notify the other party of
        such changes, and QCSI shall (a) use best efforts to provide to
        SYNERTECH upgrades to the Products to comply with such federal
        regulations, or (b) provide a suitable workaround until the upgrade to
        the Products is provided.

   D.   Telephone support for SYNERTECH to report to and communicate with QCSI
        relative to Anomalies and the resolution thereof. Such QCSI telephone
        support to be available seven (7) days per week, twenty four (24) hours
        per day. SYNERTECH agrees to be the first line of support for its
        Customers, meaning SYNERTECH shall direct its Customers to call
        SYNERTECH with all potential Anomalies, SYNERTECH shall investigate such
        potential Anomalies and attempt to resolve the cause for such call, and
        SYNERTECH will report such Anomalies to QCSI if, and only if, an Anomaly
        is determined to be caused by the Product(s) or SYNERTECH is unable to
        resolve the cause for such call.

   E.   Five (5) hours of telephone support each month for non-Anomaly issues
        reported by SYNERTECH.

II. TARGET RESOLUTION AND ESCALATION TIMES

<TABLE>
<CAPTION>
    Priority                Condition             Target Resolution     * TS Level Escalation   ** E Level Escalation
<S>                       <C>                     <C>                   <C>                     <C>
Code 1                    All Users down;               24 hours               Immediate               1 hour
                          server not
                          operational

Code 2                    1.   Can't run                48 hours               Immediate               4 hours
                               payment or
                               print checks
                          2.   Can't process
                               EDI eligibility

Code 3                    All users unable to            3 days                 8 hours               48 hours
                          use a single module
                          due to run time
                          error (RTE), crash,
                          hang, etc.

Code 4                    Any malfunction not            5 days                 2 days                 3 days
                          listed above

Code 5                    Request for services           5 days                   N/A                    N/A

Code 6                    Question,                      5 days                   N/A                    N/A
                          suggestion,
                          enhancement request
</TABLE>

* TS LEVEL - Technical Services personnel become immediately involved.

** E LEVEL - A Rapid Response Team is immediately formed with members from the
Response Center, Technical Services, Engineering, and the Database group. This
Rapid Response Team is dedicated to your issue until it's resolved.

<PAGE>   15

                                LICENSE AGREEMENT
                          QUALITY CARE SOLUTIONS, INC.
                     SYNERTECH HEALTH SYSTEM SOLUTIONS, INC.

THIS AMENDMENT ("Amendment #1"), effective August 1, 1999, is entered into by
and between Quality Care Solutions, Inc. ("QCSI") and Synertech Health System
Solutions, Inc. ("SYNERTECH").

         WHEREAS, QCSI and SYNERTECH entered into a license agreement dated July
30, 1999 setting forth the terms and conditions under which QCSI provides a
license to certain Products to SYNERTECH, and provides other services directly
or indirectly related to such Products ("License Agreement").

         WHEREAS, QCSI and SYNERTECH desire to modify and expand upon certain
terms and conditions of the License Agreement.

         NOW THEREFORE, in consideration of the mutual covenants contained
herein, QCSI and Synertech agree that the provisions of the License Agreement
shall be amended and revised as follows:

I.       All capitalized terms in this Amendment #1 shall have the meanings set
         forth in the License Agreement unless specifically indicated otherwise
         herein.

II.      Section 3.14 Sales Commissions Paid to QCSI. A new section, Section
         3.14 "Sales Commissions Paid to QCSI" is hereby added to the License
         Agreement.

         3.14     Sales Commissions Paid to QCSI. [Confidential treatment has
                  been requested]

                  3.14-1   Sales Assistance. From time to time, SYNERTECH, in
                           its sole discretion, will request in writing, or by
                           electronic mail, sales assistance ("Sales
                           Assistance", as defined herein) from QCSI relative to
                           a specific Customer or prospective Customer ("Select
                           Account"). Sales Assistance is defined as the
                           presentation of a Product demonstration to a Select
                           Account, (in the presence of SYNERTECH) and
                           assistance to SYNERTECH in follow-up demonstrations,
                           correspondence and discussion(s) with such Select
                           Account.

                  3.14-2   Sales Commission. In the event that a Select Account,
                           for which QCSI provided Sales Assistance, signs an
                           agreement with SYNERTECH within twelve (12) months of
                           the last date that Sales Assistance was provided to a
                           Select Account for the provision of Products or
                           services, for which QCSI provided Sales Assistance,
                           SYNERTECH shall pay to QCSI a "Sales Commission", as
                           defined herein. The Sales Commission shall be equal
                           to [****] of the PMPM License and Maintenance Fees
                           received by SYNERTECH during the first twelve (12)
                           month period that SYNERTECH receives such PMPM fees
                           from such Select Account for the Products or services
                           for which Sales Assistance was provided. The PMPM
                           License and Maintenance Fees, upon which the
                           calculation of the Sales Commission is based, is
                           subject to a maximum of (i) [****] PMPM for the first
                           100,000 Members, and (ii) [****] PMPM for Members in
                           excess of [****], on a monthly basis. Should a
                           prospective Customer decide to enter into an
                           agreement with QCSI to acquire products from QCSI, no
                           Sales Commission shall be payable by SYNERTECH, and
                           the sale shall be considered a Reference Sale in
                           accordance with the provisions of Section 3.12 of the
                           License Agreement.

                    **** - Confidential Treatment Requested
<PAGE>   16
                  3.14-3   Payment of Sales Commission. Sales Commissions shall
                           be paid to QCSI on a monthly basis within ten (10)
                           days following the end of the calendar month in which
                           the applicable PMPM Fees are received by SYNERTECH.

                  3.14-4   Travel Expenses. SYNERTECH shall reimburse QCSI for
                           reasonable travel expenses incurred by one QCSI sales
                           support person to travel, at SYNERTECH's written or
                           electronic mail request, to a Selected Account.
                           Additional QCSI support staff may requested by
                           SYNERTECH and/or the prospective Customer. If such a
                           request is made, QCSI will confirm with SYNERTECH its
                           desire to have the requested staff in attendance.
                           Reasonable travel expenses incurred by SYNERTECH
                           approved staff will be reimbursed by SYNERTECH.
                           Additional QCSI personnel may be provided at QCSI's
                           discretion and expense. All travel expenses shall be
                           reimbursed in accordance with Exhibit A of the
                           License Agreement, with the exception of travel time,
                           which shall not apply to Sales Assistance.

                  3.14-5   Absence of Other Fees. Unless otherwise agreed to in
                           writing prior to the performance of any Sales
                           Assistance, the Sales Commission, and related travel
                           expense as set forth in Section 3.14-4 above, are the
                           only fees payable by SYNERTECH to QCSI for Sales
                           Assistance.

                  3.14-6   Term of Section 3.14 Sales Commissions Paid by QCSI.
                           The provisions of this Section 3.14 shall be
                           effective August 1, 1999 and shall remain in effect
                           through January 31, 2000 ("Commission Period"),
                           except that Sales Commissions for Sales Assistance
                           provided during the Commission Period are payable to
                           QCSI if an agreement is executed by SYNERTECH within
                           twelve (12) months of the date that Sales Assistance
                           was last provided to a Select Account, as set forth
                           in Section 3.14-2 above.

                  3.14-7   Equipment rental/additional expenses. SYNERTECH shall
                           be responsible for ensuring that any equipment
                           necessary to demonstrate the product will be
                           available at the Select Account site. If equipment
                           rental is necessary, such equipment will be obtained
                           and paid by SYNERTECH. In some cases, additional
                           expenses may be necessary to complete the sale. QCSI
                           will obtain approval from SYNERTECH before incurring
                           such expense. SYNERTECH will be responsible for
                           reimbursement of such approved expenses or will
                           provide the necessary material to QCSI in order to
                           complete the requested task.

III.     All other provisions of the License Agreement shall remain in full
         force and effect.

         IN WITNESS WHEREOF, the parties have executed this Amendment #1 as of
the effective date set forth above.

QUALITY CARE SOLUTIONS, INC.            SYNERTECH HEALTH SYSTEM SOLUTIONS, INC.

By:       /s/ Gregory S. Anderson        By:     /s/ Edward A. Loscher
         _________________________               ______________________________

Name:    Gregory S. Anderson              Name:  Edward A. Loscher
         _________________________               ______________________________

Title:   President & CEO                  Title: V.P., Contracts Administration
         _________________________               ______________________________

Date:    November 11, 1999                Date:  November 5, 1999
         _________________________               ______________________________

<PAGE>   17
                                    EXHIBIT F
                                  AMENDMENT TO
                                LICENSE AGREEMENT
                          QUALITY CARE SOLUTIONS, INC.
                     SYNERTECH HEALTH SYSTEM SOLUTIONS, INC.

                                    RECITALS

Whereas, Quality Care Solutions, Inc. ("QCSI") and Synertech Health System
Solutions, Inc. ("Synertech") entered into a license agreement dated July 30,
1999 setting forth the terms and conditions under which QCSI provides a license
to certain Products to Synertech, and provides other services directly or
indirectly related to such Products ("License Agreement").

WHEREAS, the License Agreement grants Synertech the right to Sub-License the
Products to certain of its Customers; such Customers being defined in the
License Agreement.

WHEREAS, such License Agreement, by its terms, requires QCSI and Synertech to
mutually agree upon the form of Sublicense Agreement to be used by Synertech.

NOW THEREFORE, in consideration of the mutual covenants herein contained, QCSI
and Synertech agree that the provisions of the License Agreement shall be
amended and revised as follows:

I.       The License Agreement shall be amended by incorporating this Exhibit F.

II.      All capitalized terms in this Exhibit F shall have the meaning set
         forth in the License Agreement unless specifically indicated otherwise
         herein.

III.     The parties agree that each Sublicense Agreement between Synertech
         Health System Solutions, Inc. ("Sublicensor") and a customer
         ("Sublicensee") shall contain, at a minimum, the following terms and
         conditions, together with such amendments, revisions or additions as
         shall be negotiated by Synertech from time to time.

     1.   License Grant. Sublicensee is hereby granted the non-exclusive right
          and license to use the software ("Sublicensed Software") set forth in
          Exhibit ________of this Sublicense Agreement for Sublicensee's use, in
          accordance with the terms hereof, under an agreement between
          Sublicensor and Quality Care Solutions, Inc. ("Licensor"). All rights
          not expressly granted by this Sublicense Agreement are reserved.

     2.   Copying. Sublicensee may not duplicate, use, disclose, or publish the
          Sublicensed Software or the Information (as defined in Section 4), in
          whole or in part, except as may be reasonably necessary to enable
          Sublicensee to use the Sublicensed Software in accordance with the
          terms of this Sublicense Agreement. Sublicensee agrees to reproduce
          Licensor's copyright and proprietary notices on all copies or
          transmissions of the Sublicensed Software and the Information and
          shall not remove or obscure any copyright or other proprietary notices
          from the Sublicensed Software or the Information.

     3.   Ownership. Sublicensee acknowledges that the Sublicensed Software is
          owned by Licensor and is subject to federal and state copyright
          protections. Sublicensee acknowledges and agrees that said protection
          extends to the Sublicensed Software and all documentation related to
          or created and produced by Licensor and its subsidiaries.

<PAGE>   18

     4.   Information. Certain information of Licensor may be made available to
          Sublicensee under this Sublicense Agreement, which is confidential and
          which is the property and trade secret of Licensor. Such information
          may include oral or written manuals or on-line documentation relating
          to the Sublicensed Software (and all techniques, algorithms, data
          models, stored procedures, schema's, and processes contained therein
          or any modification, extraction, or extrapolation thereof) and the
          business operations (e.g. methods, finances, customers and business
          plans and strategies) of Licensor and its subsidiaries (collectively,
          the "Information").

     5.   Nondisclosure. Sublicensee shall hold in confidence the Information,
          using at least the same degree of care as Sublicensee exercises for
          its own proprietary information of a similar nature. Sublicensee shall
          not disclose the Sublicensed Software or the Information without
          Licensor's or Sublicensor's prior written approval. Sublicensee may
          disclose some or all of the Sublicensed Software and the Information
          to such of Sublicensee's employees and consultants who have been
          informed of Sublicensee's obligation to protect the intellectual
          property rights of Licensor and who have a specific, legitimate need
          to access such portions of the Sublicensed Software and the
          Information for a legitimate business purpose. Sublicensee shall not
          take any action to reverse engineer any Sublicensed Software or any
          part thereof. If Sublicensee is ordered by a court or other
          governmental body of competent jurisdiction to disclose the
          Sublicensed Software or the Information, Sublicensee shall not be
          liable for disclosures required by such order if Sublicensee
          reasonably complies with the following requirements: (a) when
          Sublicensee becomes aware of such an order or the possibility of such
          an order, Sublicensee shall immediately notify Sublicensor and
          Licensor by the most expedient means, (b) Sublicensee shall, at
          Licensor's expense, join a motion by Licensor for an order protecting
          the confidentiality of the Sublicensed Software or the Information,
          including a motion for leave to intervene by Licensor, and if an
          issued order calls for immediate disclosure, Sublicensee shall, at
          Licensor's expense, immediately request a stay of such order to permit
          Licensor to respond as set forth above. Sublicensee's confidentiality
          obligations under this Sublicense Agreement shall continue for a
          period of five (5) years after termination.

     6.   Term and Termination. This Sublicense Agreement shall only be
          effective for and shall expire upon the term agreed to by Sublicensor
          and Sublicensee. Within fifteen (15) days of termination of this
          Sublicense Agreement for any reason, Sublicensee agrees to immediately
          return or destroy all copies of all Sublicensed Software and the
          Information and to provide written certification thereof to
          Sublicensor.

IV.     QCSI and Synertech mutually agree that the inclusion of the above six
        (6) Articles in any Sublicense Agreement shall be enough to satisfy the
        requirements of the License Agreement. For purposes of convenience,
        Synertech may substitute or shorten the language above (for example,
        "Sublicense Agreement" may be shortened to "Agreement"), but only in so
        far as the substitution does not modify the spirit and intent of the
        above six (6) Articles.

QUALITY CARE SOLUTIONS, INC.            SYNERTECH HEALTH SYSTEM SOLUTIONS, INC.

By:       /s/ Gregory S. Anderson        By:     /s/ Edward A. Loscher
         _________________________               ______________________________

Name:    Gregory S. Anderson              Name:  Edward A. Loscher
         _________________________               ______________________________

Title:   President & CEO                  Title: V.P., Contracts Administration
         _________________________               ______________________________

Date:   12/7/99                           Date:    12/1/1999
        _________________________                ______________________________

<PAGE>   19
                                    EXHIBIT C

                                    SECTION I

            GENERAL FUNCTIONALITY REQUIREMENTS FOR SYNERTECH BUSINESS

I.       QCSI shall provide SYNERTECH will the following functionality whose
         requirements are defined below:

         A.       Accounts Receivable

                  I.       ACUITY(TM) INTERFACE

                           Requirements:

                           Acuity(TM) Interface - QCSI shall develop the
                           appropriate interface(s) to the Acuity
                           Financials(TM), System Manager and Accounts
                           Receivable modules. Functionality of Acuity(TM) is
                           described below. Such interface(s) shall provide a
                           seamless interaction between the Acuity and QMACS and
                           aQDEN relative to the following functionality:

                           Overview:

                           QCSI to provide interfaces to Acuity(TM). Such
                           interfaces shall support the following Acuity
                           functionality:

                           -        Invoices will automatically account for
                                    premium billing cash receipts and
                                    account/group/enrollment retroactive
                                    adjustments made since the previous billing
                                    period. The invoice must detail all
                                    transactions by date (i.e. payments by
                                    receipt date, previous account balance,
                                    unallocated cash that is in the account,
                                    current month bill, total due, etc.).

                           -        Manual invoice adjustments are required and
                                    must be controlled through flexible user
                                    security privileges. These adjustments must
                                    be systematically updated in the general
                                    ledger.

                           -        Invoices must capture the general ledger
                                    account number for the billing period.

                           -        Process receivable allocations to invoice
                                    line-level detail.

                           -        Integrated cash receipts functionality
                                    requires the ability to record the receipt
                                    (detailed batch processing for lock boxes),
                                    post the receipt to the general ledger
                                    (manually and automatically), and allocate
                                    receipts to the appropriate
                                    account/group/invoice (following varied
                                    allocation rules). Application of cash
                                    receipts must be reversible. Cash receipts
                                    processing must include reconciliation and
                                    editing capabilities.

                           -        Inbound electronic fund transfers (EFT)
                                    capability to be provided by Acuity upon
                                    Synertech's request to Acuity.

                           -        Automated dunning process is required to
                                    generate initial and follow-up letters
                                    according to time and aging parameters. This
                                    process must also support recording of
                                    responses throughout the process.

                           -        Aging and audit trail reports are required
                                    for verification of receipts processing and
                                    cash allocation.

                           -        Integrated delinquent account processing
                                    must include the ability to inquire and
                                    identify account status (i.e. paid-in-full,
                                    delinquent) and systematically suspend/deny
                                    claims/capitation processing and payments
                                    based on user defined rules.

                                       1
                                                          RFT QCSI EAL Synertech
<PAGE>   20
                           -        Credit balances must be able to be generated
                                    from billing and then credit used to satisfy
                                    account balance from previous invoices
                                    during allocation.

                           Development Timeline:

                           120 days

         B.       General Ledger

                  I.       CHART OF ACCOUNTS

                           Requirements:

                           Enhance existing functionality by mapping all
                           expenses to a user-defined general ledger account
                           number.

                           Overview:

                           Add columns to support mapping to unique general
                           ledger accounts, which are program/line of business
                           sensitive, for capitation, broker, claims (unique
                           accounts for prompt payment discounts, late payment
                           penalties, refunds, advances and withholds) and
                           premium billing.

                           Development Timeline:

                           90 days

         C.       Broker Commissions

                  I.       BROKER COMMISSIONS

                           Requirements:

                           Provide defined methodologies for calculation and
                           payment of broker commissions using known QMACS data
                           fields which are or will be integrated into QMACS.
                           QCSI may provide functionality in a stand-alone
                           application/module, however in any case,
                           functionality will be developed upon completion of
                           Accounts Receivable interfaces defined above.
                           Additional broker commission functionality beyond
                           those described herein may be considered as an
                           enhancement by QCSI on a time and materials basis.

                           Overview:

                           Provide mechanisms to calculate and process payments
                           of broker commissions using the following
                           methodologies:

                           First a determination should be made as to the agency
                           and or broker to be paid based on their relationship
                           to a group on a given date. An individual broker, or
                           agent, may be independent or may belong to a group of
                           brokers, called an agency or brokerage. If a broker
                           is associated with an agency, the commission may be
                           an independent broker for another group at the same
                           time. In addition, a broker may belong to more than
                           one agency at the same time.

                           Once it is determined who is to be paid the
                           commission, the specific calculation for the payment
                           for that broker or agency would be one of the
                           following:

                                       2
                                                          RFT QCSI EAL Synertech
<PAGE>   21
                           -        Step method tiered on premium billed amount

                           -        Step method tiered on premium received
                                    amount

                           -        Step method tiered on member count

                           -        Select method tiered on premium billed
                                    amount

                           -        Select method tiered on premium received
                                    amount

                           -        Select method tiered on member count

                           -        Flat percentage on premium billed amount

                           -        Flat percentage on premium received amount

                           STEP METHOD

                           This method uses established percentage rates based
                           on steps of amounts for either premium billed or
                           premium received. For example, using premium received
                           amount: receipts from $0.00 through $1,000 are paid a
                           commission of 8%, premium receipts from $1,001
                           through $2,000 are paid a commission of 9%, premium
                           receipts from $2, 001 through $2,500 are paid a
                           commission of 10% and so on. The percentages are
                           stepped through for each dollar amount. Each step is
                           included and added together for the total commission
                           to the broker. If the total receipts were $2,400, the
                           calculation would be $1,000 based on 8%, $1,000 based
                           on 9%, and $400 based on 10%, which would be equal to
                           $210.

                           Using member counts, the calculation used the number
                           of members in the step instead of receipts or premium
                           to determine the percentage, but still applies the
                           percentage to the total receipts. For example, if the
                           step is 0-200 members is 10%, 201-500 is 12%, and
                           501-700 is 13%, the total members are 300, the total
                           receipts is $1,000 then the amount paid would be 12%
                           of the $1,000 or $120.

                           SELECT METHOD

                           The total of the premium billed or the premium
                           received is used for the entire commission based on
                           the percentage established for that total. For
                           example, using the steps above, if the receipts total
                           $2,400, the entire commission would be based on a 10%
                           commission or would be equal to $240.

                           FLAT PERCENTAGE

                           This method applies a constant user-defined
                           percentage to either the total premium billed, or
                           total premium received.

                           Development Timeline:

                           90 days for functionality based on known data fields
                           in QMACS, 120 days for remainder of functionality
                           indicated in this Section C.

         D.       Claim Management

                  I.       COB PROCESSING FOR CAPITATED SERVICES

                           Requirements:

                           -   When a provider is capitated for a service (or
                               groups of services) some health plans do not
                               expect the provider to receive additional
                               reimbursement from COB for those services.

                           -   In the event that a provider submits a claim that
                               contains both capitated and FFS services along
                               with a COB, the COB should only be applied to the
                               FFS lines.

                                       3                 RFT QCSI EAL Synertech
                                                         ---      ---

<PAGE>   22
                           Overview:

                           -        A new rule will be added that will identify
                                    whether services that are capitated are to
                                    be included in COB calculations.

                           -        QCS_EDIT_COBCAP - COB Calculations apply to
                                    capitated services.

                           -        This will be an enable/disable edit.

                           -        If the rule is set to ENABLE, then any COB
                                    adjustments to be made to claim lines should
                                    ONLY be made to lines that are to be paid
                                    FFS. Lines flagged as capitated should not
                                    have any COB applied to them. (Claims
                                    containing capitated only services should
                                    not suspend for reason 216).

                           -        For example, assume that Standard COB Rule
                                    is in effect. A three line claim is
                                    submitted with a COB of $100. Line 2 is for
                                    a capitated service. Line 1 has a contracted
                                    amount of $100.00, line 2 has a contracted
                                    amount of $50, and line three has a contract
                                    amount of $50. If the COBCAP rule is
                                    enabled, the claim will have $67 allocated
                                    to line 1 and $33 allocated to line 3. If
                                    COBCAP is disabled, $50 is allocated to line
                                    1, $25 is allocated to line 2 and $25 is
                                    allocated to line 3.

                           Development Timeline:

                           90 days

                  II.      DRG GROUPER

                           Requirements:

                           QMACS shall interface to a component that will
                           compute the correct DRG for an UB-92 inpatient stay
                           claim. Such functionality shall be supplied as an
                           "enable/disable" edit at the program/line of business
                           level.

                           Overview:

                           -        Medicare and many health plans reimburse
                                    UB-92 claims based on the HCFA Diagnosis
                                    Related Group (DRG) methodology.

                           -        This methodology requires the diagnosis to
                                    be supplied in ICD-9 format, the procedures
                                    performed, the discharge status, the gender
                                    and age of the patient.

                           -        Using a set of algorithms and data
                                    definitions supplied by HCFA, a DRG is
                                    computed and used as the basis for
                                    reimbursement, unless another method of
                                    reimbursement has been negotiated with the
                                    provider for a particular service or benefit
                                    program. Since most inpatient facilities
                                    "upcode" as much as possible, the claim
                                    adjudication logic must compute the correct
                                    DRG and insure that the billing entity
                                    submitted the correct DRG.

                           -        This enhancement will be implemented by
                                    wrapping a component interface around a
                                    commercially available pricing ActiveX
                                    component.

                                       4
                                                              QCSI EAL Synertech
                                                         ---       ---
<PAGE>   23
                           Development Timeline:

                           90 days.

                  III.     MULTIPLE SURGERIES

                           Requirements:

                           QMACS needs to identify and process claims
                           appropriately when multiple procedures are performed
                           on the same date of service, whether such procedures
                           are billed together or separately and with or without
                           the appropriate modifier indicated by the provider of
                           service.

                           QMACS needs to be capable of paying modifier
                           discounts in tiers according to the contracted amount
                           (e.g. 2nd procedure at 50%, 3rd procedure at 25% and
                           so on) by program/line of business. Such
                           functionality may utilize the system global days
                           table which indicates which procedures qualify for
                           multiple surgery.

                           Overview:

                           -        A new edit will be created to indicate that
                                    multiple surgeries were detected and NOT
                                    billed appropriately.

                           -        QMACS will evaluate the current claim and
                                    all historical claims for the member to find
                                    claims for the same date of service with the
                                    same provider.

                           -        If multiple procedures are found and
                                    modifier 51 is not used, fire the new edit.

                           -        In addition to firing the new edit, QMACS
                                    should apply the 51 modifier to all but the
                                    most expensive procedure performed on the
                                    same day.

                           -        By default, modifier 51 should be added to
                                    the least expensive procedure(s). The most
                                    expensive procedure is considered primary.
                                    However, in the event that a less-expensive
                                    procedure has already been paid, the
                                    remaining procedures should be changed to
                                    reflect the 51 modifier.

                           Development Timeline:

                           90 days

                                       5                 RFT QCSI EAL Synertech
                                                         ---      ---

<PAGE>   24
         E.       Capitation

                  I.       PERCENT OF PREMIUM CAPITATION - ACTUARIAL ADJUSTMENT
                           TABLE

                           Requirements:
                           QMACS needs to compute base capitation as a
                           percentage of premium or as a flat dollar amount.
                           Base cap shall be computed as base premium times a
                           percentage to 4 decimal places. Age/gender
                           adjustments shall be applied to cap as desired.
                           Percent of premium shall ignore riders and shall be
                           computed from premium billing detail table. Base
                           premium per member will be subscriber premium divided
                           by total covered lives under the subscriber.

                           QCSI may consider additional functionality to adjust
                           capitation based upon medical conditions/case mix
                           index (including adjusting capitation payments based
                           upon quality factors).

                           Overview:

                           -        In QMACS today, all capitation is adjusted
                                    by a single table (capterm).

                           -        A more flexible methodology would be a
                                    combination of adjustments applied to the
                                    basic capitation rate.

                           -        Separating the actuarial adjustment for age
                                    and gender will enable a cap table adjusted
                                    by pcp zip code or benefit plan to be used
                                    across multiple contracts, and then be
                                    adjusted by age and gender.

                           -        Another adjustment for quality may be
                                    applied at the actual determined. This
                                    adjustment will be based on a quality of
                                    care factor assigned to the provider in the
                                    credentialing module.

                           -        Capitation logic would flow as follows:

                                    -        Compute cap rate for member from
                                             base capitation table or premium
                                             table.

                                    -        Adjust capitation by age and gender
                                             actuarial table.

                                    -        Adjust capitation by condition
                                             table (optional).

                                    -        Apply quality adjustment factor by
                                             provider.

                           -        Retroactivity calculations will consider all
                                    variables included in the calculation of
                                    capitation based on a percent of premium.

                           Development Timeline:

                           180 days

         F.       Benchmark

                  QCSI and Synertech shall mutually agree to perform a benchmark
                  of QMACS to prove scalability for a large commercial payer,
                  defined as greater than 500,000 members.

                                       6                 RFT QCSI EAL Synertech
                                                         ---      ---

<PAGE>   25
         G.       Medicare + Choice

                  Requirements:

                           QCSI shall demonstrate to SYNERTECH that it currently
                           has or will provide the functionality required for a
                           Medicare + Choice product, including outbound HCFA
                           enrollment and HCFA reply processing, outbound HCFA
                           enrollment to Litton and CompuServe, HCFA
                           institutionalized file extract, HCFA encounter file,
                           member recon processing, and capitation recon
                           processing.

                  Development Timeline:

                           90 days upon receipt of final member and recon
                           specifications to be provided by SYNERTECH.

APPROVED BY:

QCSI                                    SYNERTECH

By: /s/ Robert F. Theilmann             By: /s/ Edward A. Loscher
    -----------------------                 ---------------------
Name:   Robert F. Theilmann             Name:   Edward A. Loscher
        -------------------                     -----------------
Date:   10/4/99                         Date:   10/4/99
        -------                                 -------

                                       7                 RFT QCSI EAL Synertech
                                                         ---      ---

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00001-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00001-of-00352.parquet"}]]