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                                                                EXHIBIT 10.36
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NORWEST BANK IOWA,
NATIONAL ASSOCIATION                                  ARBITRATION AGREEMENT
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Norwest Bank Iowa,                                    Patient Infosystems, Inc.
National Association                                  46 Prince Street
666 Walnut Street, P.O. Box 837                       Rochester, NY 14607
Des Moines, Iowa 50304-0837                           (the "Borrower")
(the "Bank")

December 23, 1999

1. AGREEMENT TO ARBITRATE. The Bank and Borrower agree to submit to binding
arbitration by the American Arbitration Association (the "AAA") of all claims,
disputes and controversies (whether in tort, contract, or otherwise, except
"core proceedings" under the U.S. Bankruptcy Code) arising between themselves
and their respective employees, officers, directors, attorneys and other agents,
which relate in any way without limitation to existing and future loans and
extensions of credit or requests for additional credit including by way of
example but not by way of limitation the negotiation, collateralization,
administration, repayment, modification, default, termination and enforcement of
such loans or extensions of credit.

2. RULES GOVERNING ARBITRATION. Arbitration under this Agreement will be
governed by the Federal Arbitration Act and proceed in Des Moines, Iowa in
accordance with AAA Rules.

3. SELECTION OF ARBITRATOR. Arbitration will be conducted before a single
neutral arbitrator selected in accordance with AAA Rules and who shall be an
attorney who has practiced commercial law for at least ten years.

4. STATUTES OF LIMITATION AND PROCEDURAL ISSUES. The arbitrator will determine
whether an issue is arbitratable and will give effect to applicable statutes of
limitation. Judgment upon the arbitrator's award may be entered in any court
having jurisdiction. The arbitrator has the discretion to decide, upon documents
only or with a hearing, any motion to dismiss for failure to state a claim or
any motion for summary judgment. The institution and maintenance of an action
for judicial relief or for any provisional or ancillary remedy shall not
constitute a waiver of the right of any party, including the plaintiff, to
submit the controversy or claim to arbitration if any other party contests such
action for judicial relief.

5. DISCOVERY. Discovery will be governed by the Iowa Rules of Civil Procedure.
Discovery must be completed at least 20 days before the hearing date and within
180 days of the commencement of arbitration. Each request for an extension and
all other discovery disputes will be determined by the arbitrator upon a showing
that the request is essential for the party's presentation and that no
alternative means for obtaining information are available during the initial
discovery period.

6. EXCEPTIONS TO ARBITRATION. This Agreement does not limit the right of either
party to a) foreclose against real or personal property collateral; b) exercise
self-help remedies such as setoff or repossession; c) obtain provisional
remedies such as replevin, injunctive relief, attachment or the appointment of a
receiver during the pendency or before or after any arbitration proceeding; or
d) obtain a cognovit judgment, if available. These exceptions do not constitute
a waiver of the right or obligation of either party to submit any dispute to
arbitration, including those arising from the exercise of these remedies.

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7. Arbitration Costs and Fees. The arbitrator will award costs and expenses in
accordance with the provisions of the documents evidencing each loan or
extension of credit.

NORWEST BANK IOWA,
NATIONAL ASSOCIATION                        PATIENT INFOSYSTEMS, INC.

By: /s/Randall R. Stromley                   By: /s/ Donald A. Carberg
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  Randall R. Stromley, Vice President<PAGE>   1

                                                                   Exhibit 10.37

Uniform Commercial Code - FINANCING STATEMENT - FORM UCC-1

                                                     REORDER FROM REGISTRE, INC.
                                                     514 PIERCE ST.
                                                     P.O. BOX 218
                                                     ANOKA, MN  55303
                                                     (612) 421-1713

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         IMPORTANT - READ INSTRUCTIONS ON BACK BEFORE FILLING OUT FORM.
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<S>                               <C>                          <C>

This FINANCING STATEMENT            No of Additional            3. [ ] The Debtor is a transmitting utility.
is presented to a Filing            Sheets Presented:
Officer for filing pursuant
to the Uniform Commercial Code.

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1. Debtor(s) (Last Name First)     2.  Secured Party(ies)       4.  For Filing Officer; Date, Time.
   and Address(es):                    Name(s) and Address(s)       No. Filing Office

  Patient Infosystems, Inc.            Norwest Bank Iowa,
  46 Prince Street                     National Association
  Rochester, NY  14607                 666 Walnut Street
                                       Des Moines, IA  50309
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5. This Financing Statement covers the following types (or items) of property:   6. Assignee(s) of Secured party and Address(es)

            See Exhibit A attached
                                                                                 7.  [ ] The described crops are growing or
                                                                                         to be grown on:*
[X] Products of the Collateral are also covered                                      [ ] The described goods are or are to be
--------------------------------------------------------------------------------         affixed to:*
8. Describe Real Estate Here:     [ ] This statement is to be    9.  Name of         [ ] The lumber to be cut or minerals or the
                                      indexed in the Real            a Record            like (including oil and gas) is on:*
                                      Estate Records:                Owner               * (Describe Real Estate Below)

                                                                 ------------------------------------------------------------------

No & Street        Town or City        County        Section        Block        Lot

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10.  This statement is filed without the debtor's signature to perfect a
     security interest in collateral (check appropriate box)
     [ ] under a security agreement signed by debtor authorizing secured
         party to file this statement, or
     [ ] which is proceeds of the original collateral described above in which
         a security interest was perfected, or
     [ ] acquired after a change of name, identity or corporate structure
         of the debtor, or [ ] as to which the filing has lapsed, or
         already subject to a security interest in another jurisdiction:
         [ ] when the collateral was brought into the state, or [ ] when the
             debtor's location was changed to this state.
</TABLE>

Patient Infosystems, Inc.
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By /s/ Donald A. Carberg                      By
  --------------------------------           --------------------------------
  Signature(s) of Debtor(s)                  Signature(s) of Secured Party(ies)

  (1) Filing Officer Copy - Numerical

(5/82)  STANDARD FORM - FORM UCC-1 - Approved by Secretary of New York

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[LOGO: NORWEST BANKS]
                                                                  DESCRIPTION OF
                                                                  COLLATERAL
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                        EXHIBIT A TO FINANCING STATEMENT

Debtor:    Patient Infosystems, Inc.
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Secured Party:    Norwest Bank Iowa, National Association
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THIS FINANCING STATEMENT COVERS THE FOLLOWING TYPES OR ITEMS OT PROPERTY (THE
"COLLATERAL"):

[X] (a)   All inventory of Debtor, whether now owned or hereafter acquired and
          wherever located;

[X] (b)  All equipment of Debtor, whether now owned or hereafter acquired,
         including but not limited to all present and future machinery,
         vehicles, furniture fixtures, manufacturing equipment farm machinery
         and equipment, shop equipment office and recordkeeping equipment pans
         and tools, and the goods described in any equipment schedule or list
         furnished to Secured Party by Debtor (but no such schedule or list need
         be furnished in order for the security interest to be valid as to all
         of Debtor's equipment).

[ ] (c)  All farm products of Debtor, whether now owned or hereafter acquired,
         including but not limited to (i) all poultry and livestock and their
         young, products thereof and produce thereof, (ii) all crops, whether
         annual or perennial, and the products thereof, and (iii) all feed,
         seed, fertilizer, medicines and other supplies used or produced by
         Debtor in farming operations, (iv) any crop insurance payments and any
         government farm support payments, including any diversion or deficiency
         payments. The real estate concerned with the above described crops
         growing or to be grown is:____________________________________________

         _______________________________________________________________________

         and the name of the record owner is:___________________________________

[X] (d)  Each and every right of Debtor to the payment of money, whether such
         right to payment now exists or hereafter arises, whether such right to
         payment arises out of a sale, lease or other disposition of goods or
         other property by Debtor, out of a rendering of services by Debtor, out
         of a loan by Debtor, out of the overpayment of taxes or other
         liabilities of Debtor, or otherwise arises under any contract or
         agreement whether such right to payment is or is not already earned by
         performance, and howsoever such right to payment may be evidenced,
         together with all other rights and interests (including all liens and
         security interests) which Debtor may at any time have by law or
         agreement against any account debtor or other obligor obligated to make
         any such payment or against any of the property of such account debtor
         or other obligor; including but not limited to all present and future
         debt instruments, chattel paper, loans and obligations receivable and
         tax refunds.

[X] (e)  All general intangibles of Debtor, whether now owned or hereafter
         acquired, including, but not limited to, applications for patents,
         copyrights, trademarks, trade secrets, good will, trade names,
         customers lists, permits and franchises, and the right to use Debtor's
         name.

REGARDLESS OF WHICH BOXES ARE CHECKED ABOVE, THIS FINANCING STATEMENT ALSO
COVERS:

         All substitutions and replacements for and products of any of the
         foregoing property not constituting consumer goods and proceeds of any
         and all of the foregoing property and, in the case of all tangible
         Collateral, together with all accessions and, except in the case of
         consumer goods, together with (i) all accessories, attachments, parts,
         equipment and repairs now or hereafter attached or affixed to or used
         in connection with any such goods, and (il) all warehouse receipts,
         bills of lading and other documents of title now or hereafter covering
         such goods.

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