Document:

<PAGE>   1
                                                                   Exhibit 10.11

                            DELTA DENTAL OF MISSOURI

                                       AND

                          QUALITY CARE SOLUTIONS, INC.

                                   QMACS (TM)
                                SOFTWARE LICENSE
                                     SUPPORT
                                 CONFIDENTIALITY
                                 IMPLEMENTATION
                                   AGREEMENTS

THIS AGREEMENT is made and entered into as of the 8th day of October,
between Quality Care Solutions, Inc. ("QCSI" or the Licensor"), a Nevada
Corporation with executive offices in Phoenix, Arizona and Delta Dental of
Missouri, a not-for-profit Corporation. (with principal offices in St. Louis,
MO(the "Licensee").

(C) Quality Care Solutions, Inc. -1998                             Page 1 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   2
                                TABLE OF CONTENTS

<TABLE>
<S>                                                                           <C>
DEFINITIONS ...............................................................    3

THE LICENSE ...............................................................    7

DELIVERABLES ..............................................................    8

SUPPORT SERVICES ..........................................................    9

SPECIAL RESPONSIBILITIES OF LICENSEE AND LICENSOR .........................   12

SPECIAL RESPONSIBILITIES OF LICENSOR ......................................   14

RESTRICTIONS ..............................................................   15

WARRANTY, PATENT AND COPYRIGHT INFRINGEMENT, ..............................   16

LIMITATIONS ON LIABILITY AND REMEDIES, AND LICENSEE'S LIABILITY ...........   16

TERMINATION, DISCONTINUANCE AND REMEDIES ..................................   18

GENERAL PROVISIONS ........................................................   20

SPECIFICATIONS OF QMACS(TM) SOFTWARE ......................................   24

CONFIDENTIALITY AGREEMENT .................................................   32

FEES, RATES AND PAYMENT SCHEDULES .........................................   36

HARDWARE/SOFTWARE ELEMENTS ................................................   40

LOCATION AND NOTICES ......................................................   43

STANDARD SUPPORT AND RELEASE POLICY .......................................   44

QMACS(TM) STANDARD IMPLEMENTATION PLAN ....................................   46

LISTING OF QMACS(TM) STANDARD REPORTS .....................................   47

TRADE SECRET AND COPYRIGHT NOTICE .........................................   49
</TABLE>

(C) Quality Care Solutions, Inc. -1998                             Page 2 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   3
                                  INTRODUCTION

         WHEREAS, Quality Care Solutions, Inc., hereinafter "Licensor," has
created and developed computer software which operates on micro computers and
mid-range computers for financial, administrative and operational uses in the
managed care business, health maintenance organizations and by third-party
administrators and is willing to grant Licensee a non-exclusive license to use
such Software in accordance with the terms and conditions hereof; and

         WHEREAS, Delta Dental of Missouri hereinafter Licensee, owns a Prepaid
Dental Organization and wishes to obtain a non-exclusive license to use the
Licensor's Software, as specified hereinafter; and

         WHEREAS, Licensee and Licensor desire to enter into an Agreement
formalizing the terms and conditions of a license, and other services (the
"Agreement"); and

         WHEREAS, Licensor and Licensee are considered each to be a "Party" to
this Agreement and are hereinafter jointly referred to as the Parties.

         NOW, THEREFORE, in consideration of the promises and mutual
representations herein contained, the Parties hereto agree as follows:

                                    ARTICLE I

                                   DEFINITIONS

1)   "ACTIVE SUBSCRIBERS" are defined subscribers whose eligibility is managed
     and processed by Licensee for the purposes of enrollment in benefit plans,
     prior authorizations, or claims payment on a prepaid or fee for service
     basis and are subscribers who have one or more active eligibility
     segment(s) for the month for which the license fees are being calculated.
     Active Subscribers are used for Software License and Support Fee
     calculations on a Per Subscriber Per Month(PSPM) basis as defined in
     Exhibit C.

2)   "AGREEMENT FEES" shall mean any fee specified on Exhibit C.

3)   An "APPLICATION" is defined as one or more Client Executables designed to
     accomplish a specified business function as listed in Exhibit A.

4)   An "APPROVED CLIENT WORKSTATION" is defined as a computer whose hardware
     and software configuration have been approved by Licensor as appropriate to
     execute the Client portions of the QMACS(TM) Software, used generally by
     staff personnel, which communicates with one or more Approved Data Servers
     and runs Client Executables to access, analyze and update databases stored
     on a Approved Data Server as specified in Exhibit D.

5)   An "APPROVED DATA SERVER" is defined as a computer whose hardware and
     software configuration have been approved by Licensor as appropriate to
     execute the Data Server portions of the QMACS(TM) Software, used to hold
     large amounts of electronic data plus provide database management and
     access services to Client computers on a computer network. Portions of the
     QMACS(TM) Software reside on the Approved Data Server as specified in
     Exhibit D

(C) Quality Care Solutions, Inc. -1998                             Page 3 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   4
6)   "APPROVED HARDWARE " means Approved Data Servers, Approved Client
     Workstations and Approved Operating Systems, and Approved Network as
     identified in Exhibit D.

7)   "APPROVED NETWORK" is defined as the wiring, communication lines,
     networking and software, communication protocols and equipment necessary
     for the connectivity and communication between Approved Client Workstations
     and Approved Data Servers via local or wide area networks as specified in
     Exhibit D

8)   An "APPROVED OPERATING SYSTEM" is defined as Microsoft's Windows NT(C)
     4.0 together with all current upgrades and service packs.

9)   A "BENEFIT PLAN" is any reimbursement plan administered by an administrator
     that has subscribers and members and pays claims.

10)  A "BILLING MONTH" is defined as a calendar month.

11)  A "BUSINESS PROCESS IMPROVEMENT" (BPI) is defined as a business function
     analysis and specification process to document and understand Licensee
     requirements and use case used for development of Enhancement
     specifications work plan by Licensor.

12)  "CERTIFIED IMPLEMENTATION PARTNER"(CIP) refers to a third-party
     organization that the Licensor has a business relationship with and employs
     consultants that have been trained, certified and authorized by the
     Licensor to provide specific Training and Implementation services to the
     Licensee.

13)  A "CLIENT EXECUTABLE" is defined as a program which is part of the Software
     designed to execute on a computer operating as a Approved Client
     Workstation on a network connecting to and utilizing a Approved Data
     Server.

14)  "DATA BASE ADMINISTRATION" is defined as activities to maintain on the
     Approved Data Server data table definitions, views, user defined data
     types, triggers, stored procedures and other attributes of the data base.

15)  A "DERIVATIVE WORK" means any modifications of QMACS(TM) Software or a work
     which is based upon the QMACS(TM) Software code, either source or object,
     or which requires the QMACS(TM) Software to function.

16)  "DOCUMENTATION" is defined as manuals, Training tapes, Training workbooks,
     help screens, quick reference guides and other written information that
     explains the Software use, set-up, configuration, maintenance and
     operation.

17)  "EXECUTABLE CODE" is defined as an executable program which is part of the
     Software and actually performs the functions in conjunction with the Client
     or the Approved Data Server as compared to source code which is the code
     from which the Executable code is compiled.

18)  "EFFECTIVE DATE" means the date that this Agreement to become effective and
     work and services are commenced as defined in the last paragraph of Article
     IX. It is the date used for fee and term calculations.

19)  "ENHANCEMENT" means the revised Software that Licensor may, from time to
     time, release which is a new version or updates of QMACS(TM) Software,
     including Executable Code and database changes and which may, but is not
     required to, increase the functionality, ease of use or productivity of the
     Software.

(C) Quality Care Solutions, Inc. -1998                             Page 4 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   5
20)  "HARDWARE AND SOFTWARE ELEMENTS" means the required computer hardware and
     software identified in Exhibit D to operate QMACS(TM) software.

21)  "IMPLEMENTATION" shall mean the configuration of the QMACS(TM) Software
     based upon business rule definitions and set-up, input or population of the
     QMACS(TM) database by electronic or manual processes, workflow or business
     process adaptation. Implementation is the joint responsibility of the
     Licensee and Licensor as defined in Exhibit G. Implementation Fees are
     charged according to the fee schedule in Exhibit C.

22)  "INSTALLATION" shall mean the initial set-up of the Microsoft Windows(R) NT
     4.0 operating system software, core relational database Microsoft SQL
     Server v 6.5 software, QMACS(TM)database tables and initial QMACS(TM)
     Software installation. Installation will be performed by the Licensor
     unless otherwise arranged for. Installation does not include the conversion
     of Licensee's data or the Implementation or Standard Implementation
     services by the Licensor.

23)  "LAN" shall mean a local area network.

24)  "LICENSEE" is defined as Delta Dental Plan of Missouri, a not-for-profit
     Corporation.

25)  "LICENSEE'S ADDRESS" means that address stated in Exhibit E of this
     Agreement or changed from such address by giving Licensor proper written
     notice.

26)  "LICENSOR'S ADDRESS" means that address stated in Exhibit E of this
     Agreement or changed from such address by giving Licensee proper written
     notice.

27)  "LIVE OPERATION" shall mean routine business functions of: member
     enrollment, issuing authorizations, adjudicating or paying claims,
     providing program and data access, security, and running QMACS(TM) standard
     reports through a 30 day business cycle are accomplished using Licensor
     provided QMACS(TM) Software according to the specifications in Exhibit A.

28)  "MATERIAL NONCONFORMITY" is defined as any operation of the Software that
     prevents a major function from working or causes data integrity issues or
     any operation of the Software which causes material erroneous data or
     unrecoverable data loss due to the execution of the Software's
     Applications.

29)  "MONTHLY FEE" means the recurring Agreement Fees due each month specified
     on Exhibit C.

30)  "NEW SOFTWARE" means new Executable Code, which would allow the Licensee to
     perform significant functions not listed in Exhibit A-Specifications.

31)  "ON-SITE SUPPORT" means consultation, assistance and similar services
     provided by Licensor at Licensee's main location.

32)  "OUTSIDE EXECUTABLE CODE" means Executable Code relating to third-party
     applications which Licensor or Licensee has been granted the right to
     license.

33)  "PER SUBSCRIBER PER MONTH (PSPM)" is defined as the number of Subscriber
     Enrollments actively managed and used for benefit determination, claims
     processing or pricing, or prior authorization purposes using the QMACS(TM)
     software during a Billing Month.

34)  "PLAN YEAR" is defined as a twelve month (12) period from when Subscriber
     Enrollments were first accepted into a specific benefit plan managed by the
     QMACS(TM) software.

(C) Quality Care Solutions, Inc. -1998                             Page 5 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   6
35)  "QMACS(TM)" or the "SOFTWARE" is defined as all the current computer
     software owned by the Licensor including but not limited to all
     Executables, Applications, display screens, the Source Code, Data Server
     Based Programs and any Schema, Stored Procedures, Triggers or Wizards.

36)  "QMACS(TM) EXECUTABLE CODE" means Executable Code relating to the Software
     applications which Licensor hereby licenses.

37)  "SPECIFICATIONS" are defined as the features and functions of the QMACS(TM)
     Software delivered as described in Exhibit A attached hereto.

38)  The "SOFTWARE" means the QMACS(TM) programs.

39)  "SOFTWARE LICENSE AND SUPPORT FEE" refers to fees charged by the Licensor
     to the Licensee for the use of QMACS(TM) Software and for QMACS(TM)
     Software Support according to fee schedules defined in Exhibit C Section
     C.2. The PSPM Software and Support Fee is calculated by multiplying the
     total subscribers in a given month times the respective PSPM rate as
     defined in Exhibit C Section 2.1. The Software License and Support Fee is
     the greater of the PSPM Software and Support Fee or the minimum Software
     and Support Fee defined in Exhibit C - Section 2.

40)  "SOURCE CODE" means that code from which the QMACS(TM) executables are
     compiled.

41)  "STANDARD IMPLEMENTATION PLAN" refers to a work plan and business process
     that defines the minimum work effort necessary and assigned
     responsibilities for said work effort to define, set-up, configure, train
     and maintain the QMACS(TM) Software for a Live Operation. Exhibit G details
     the work plan, business process, responsibility assignment for the Standard
     Implementation Plan.

42)  "SUBSCRIBER" is defined as the primary person who is eligible for benefits
     under any benefit plan administered by the Software.

43)  "SUBSCRIBER ENROLLMENT" is defined as the active and enrolled Subscribers
     in a Benefit Plan using QMACS(TM) software. For purposes of Monthly Fee
     computation, multiple enrollments by the same Subscriber during the same
     month shall be counted as a single enrollment.

44)  "TECHNICAL DOCUMENTATION" means all technical documentation maintained in
     any format by Licensor in the usual course of its business concerning the
     design and operation of the QMACS(TM) software.

45)  "TRAINING" refers to a series of classes and or educational materials
     produced by Licensor and made available by Licensor personnel or a
     Certified Implementation Partner to teach Licensee's trainers the steps
     necessary to define, set-up, configure and maintain the QMACS(TM) Software
     according to the specifications in Exhibit A and Software Documentation.
     Training is provided according to the Standard Implementation Plan and upon
     mutual agreement of the Licensor and Licensee.

46)  "VENDOR" is defined as a third-party supplier of computer hardware,
     software or services.

47)  "WAN" is defined as a wide area network.

48)  "WARRANTY PERIOD" - refers to the period of time starting with the
     installation of the QMACS(TM) Software and remain in effect during the
     initial term of this agreement and renewal periods except as provided for
     in Sections 6.1 and Article VII of this agreement.

(C) Quality Care Solutions, Inc. -1998                             Page 6 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   7
                                   ARTICLE II

                                   THE LICENSE

2.1 LICENSE GRANT. Licensor hereby grants to Licensee and Licensee hereby
accepts a non-exclusive, non-transferable license (the "License") to use
QMACS(TM) Software on Approved Client Workstations, application servers and
Approved Data Servers using Approved Operating Systems. The License is expressly
made and granted subject to the terms, conditions, limitations and restrictions
of this Agreement. Licensee shall have a non-exclusive, non-transferable,
License to use the QMACS Executable Code related to the QMACS(TM) Software.
Licensee shall be entitled to receive any Enhancements produced by Licensor
during the term of this Agreement as defined in Section 2.7. Unless specified
otherwise by Licensor to Licensee in writing to Licensee's Address, or before
the time that the Enhancement is supplied to the Licensee, this License and all
the other terms of this Agreement shall also apply to any Enhancements supplied
to Licensee by Licensor after the Effective Date of this Agreement. This Section
does not entitle Licensee to New Software, customized versions or "beta"
versions of the QMACS(TM) Software not yet generally released to all Licensees
of QMACS(TM) Software.

2.2 USE OF OUTSIDE EXECUTABLE CODE. Licensor may place a copy of Outside
Executable Code in magnetic form in the possession of Licensee for Licensor's
convenience and use in providing services or support to Licensee. Such copy
shall be clearly marked by Licensor as Outside Executable Code under the
License. Except as Licensor expressly authorizes in writing in each instance,
said copy of Outside Executable Code shall be immediately returned to Licensor
upon Licensor's request. Regardless, such request shall be deemed given upon
expiration or termination of this License. The Parties agree that Licensor is
not responsible for maintenance, support, updates or enhancement of said Outside
Executable Code.

2.3 COPYING. Licensee may make a reasonable number of copies of the
Documentation for use by Licensee's employees in connection with the duly
authorized use of QMACS(TM) Software (the "Copies"). Licensee shall reproduce
and include in all Copies made by it, any and all notices of copyright and other
proprietary rights included by Licensor in or on the QMACS(TM) Software and
Documentation provided to Licensee. All Copies of QMACS(TM) Documentation or
rights granted hereunder to copy the Documentation are provided to Licensee only
for the duration of this License under this Agreement and only for the purpose
of facilitating the licensed use by Licensee of QMACS(TM) Software.

2.4 OWNERSHIP. All Copies and QMACS(TM) Software and the Documentation are the
sole property of Licensor and Licensor shall hold sole title thereto.

2.5 RETURN OF COPIES. Upon expiration or termination of the License, all Copies
of the QMACS(TM) Software and the Documentation shall promptly be delivered to
Licensor or destroyed by Licensee. Within ninety (90)days of termination or
expiration of the License, Licensee shall deliver to Licensor a certification in
writing that all Copies have been delivered to Licensor or destroyed.

2.6 SAFEGUARD. Licensee shall safeguard all Executable Code and against
non-Licensee use, copying or inspection by any third-party and against transfers
to any third-party. Licensee shall require outside persons and entities to whom
Licensee has granted operations authority to save data or who have access to any
Executable Code to execute and submit to Licensor a Confidentiality Agreement as
set forth in Exhibit B.

(C) Quality Care Solutions, Inc. -1998                             Page 7 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   8
2.7 TERM OF THE AGREEMENT. Provided that all Agreement Fee(s) are paid timely,
and Licensee complies with the terms and conditions of this Agreement, the
initial term of this Agreement shall be for a period of five (5) years beginning
on the first of the month after the Effective Date except as provided for in
Section 8.1. Licensee and Licensor agree to begin negotiations for a renewal of
the Agreement no later than ninety(90) days prior to the expiration date of this
Agreement.

2.8 FEES. To maintain its License hereunder, Licensee shall pay to Licensor all
Monthly Fees, Implementation Fees and other fees and costs as provided in
Exhibit C attached hereto or as otherwise required by this Agreement.

                                   ARTICLE III

                                  DELIVERABLES

3.1  QMACS(TM) SOFTWARE. Prior to the completion of the Implementation, Licensor
     will deliver at least one machine readable copy (QMACS(TM) executable code
     form) of each program for each QMACS(TM) Application in accordance with the
     Specifications defined in Exhibit A.

3.2  QMACS(TM) DOCUMENTATION. Licensor agrees to provide one (1) hardcopy and 1
     electronic copy of the Software Documentation corresponding to each
     Application to Licensee as such Documentation is published or updated. At
     Licensee's option, Licensee may purchase additional hardcopies of
     Documentation from Licensor at Licensor's list price in effect from time to
     time. Licensee may copy the Documentation according to the provisions
     contained in Article II. QMACS(TM) Software Documentation is instructional
     material designed to educate the user with the configuration, set-up and
     operation of the respective QMACS(TM) Software module.

3.3  QMACS(TM) STANDARD REPORTS. Licensor will deliver a limited set of standard
     reports with the installation of the Software. Licensee acknowledges that
     third-party report writing software tools are required to create new
     reports or modify Licensor's standard reports. The license fee, support and
     training cost for third-party report writing tools are not included in this
     Agreement and must be acquired separately. Licensee acknowledges that
     Licensor's standard reports are templates and examples of reports the
     Licensor has developed for non-specific use. The Licensee acknowledges
     responsibility for the design, development and production of its own
     reports, documents, letters, ID Cards to be used in conjunction with the
     Software. Licensee agrees the delivery of Licensor provided standard
     reports meets any report production requirements of Licensee.. Exhibit H
     lists the minimum set of standard reports to be delivered to Licensee
     during the Implementation of the Software.

3.4  STANDARD ELECTRONIC INTERFACES. Licensor will deliver one limited set of
     standard electronic data import and export interfaces known as the National
     Standard Format (NSF) and an electronic data interchange (EDI) interface
     module. Implementation, configuration, set-up, training and maintenance for
     electronic interfaces are optionally available through Licensor or
     Certified Implementation Partners of the Licensor.

3.5  STANDARD IMPLEMENTATION PLAN. Licensor agrees to deliver to Licensee a
     Standard Implementation Plan as Exhibit H outlining the minimum work effort
     needed to be accomplished and the assigned responsibility for that work
     effort in order for the Software to be operational according to the
     specifications in Exhibit A. The fees for this Standard Implementation Plan
     are defined in Exhibit C -Section 1. The Parties agree that changes to this
     Standard Implementation Plan will require a written change order to be
     mutually agreed

(C) Quality Care Solutions, Inc. -1998                             Page 8 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   9
     upon to prior to the beginning of the work. The work effort assigned in the
     Standard Implementation Plan to either party can be sub-contracted to
     competent third parties with the written approval of Licensee and Licensor.

                                   ARTICLE IV

                                SUPPORT SERVICES

4.1  SUPPORT SERVICES GENERALLY. Licensor or a Certified Implementation Partner
     shall provide to Licensee certain support services as specified below to
     unmodified QMACS(TM) Software (the "Support Services") and standard
     interfaces developed by Licensor.

4.2  SERVICE UNITS. Licensor agrees to include a variable amount of Service
     Units monthly for the Support Services as defined in Section 4.3,4.4, 4.5,
     4.6 and 4.7 of Article IV. The Service Units are determined according to a
     schedule as defined in Exhibit C Section C 3. Licensee can purchase
     additional Service Units for Support Services at the rates specified in
     Exhibit C - Service Units

4.3  QMACS(TM) STANDARD TRAINING. Licensor or Certified Implementation Partner
     shall provide standard training services to Licensee's training personnel
     on the operation of QMACS(TM) Software. Licensee agrees to Licensor's
     "Train the Trainer" method of Training. Licensee acknowledges that
     Licensor's Training program is designed and intended to train key users on
     the operation of the QMACS(TM) Software. Licensee agrees adapting the key
     user Training to Licensee's operation and tailoring Licensee's work flow
     process around QMACS(TM) Software is the responsibility of the Licensee.
     The initial Training sessions will take place in accordance with a mutually
     agreed upon Training schedule as a component of the Standard Implementation
     Plan. Licensee shall pay all reasonable, travel, rooms, meals and other
     expenses incurred by either Party as a result of Training. Training
     conducted after the Standard Implementation Plan is chargeable toward the
     annual Service Unit allocation.

4.4  MAINTENANCE. Licensor's sole support services obligation hereunder is to
     provide the programming or documentation services necessary to conform any
     Application to the Specifications defined in Exhibit A or Licensor's
     documentation. This obligation shall remain in effect until the expiration
     or termination of this Agreement only if the Licensor can duplicate the
     defect. Upon the detection of any Material Nonconformity with the
     Specifications, Licensee agrees to provide to Licensor such output
     listings, data and other assistance as Licensor shall request so as to
     permit Licensor to duplicate or recreate the material nonconformity.
     Licensor shall remedy any Material Nonconformity between the original
     QMACS(TM) Software, or any Enhanced Software, and the Specifications within
     the lesser of the time frame stated in the Licensor's support policy as
     defined in Exhibit F or within 30 days after notification in writing by
     Licensee, at no cost to Licensee. This obligation of Licensor does not
     extend to QMACS(TM) Software modified by Licensee or others or caused by
     operating the Software on non-approved or malfunctioning computers or
     networks. Maintenance work is not allocated as a Service Unit.

4.5  DATA BASE ADMINISTRATION. Licensor shall supply certain Data Base
     Administration services to Licensee with regard to the QMACS(TM) Software.
     This obligation shall remain in effect until the termination of this
     agreement or as mutually agreed to. Licensor may terminate any obligation
     in this Agreement if the Licensee or any third-party makes any structural
     or technical modifications to the QMACS(TM) databases or data base servers
     without prior written permission of the Licensor. Licensee agrees that
     adding, deleting,

(C) Quality Care Solutions, Inc. -1998                             Page 9 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   10
     importing and editing of data in QMACS(TM) data tables by third-party
     software applications violates QMACS(TM) data integrity and could cause a
     QMACS(TM) application to malfunction and therefore Licensor may suspend or
     terminate any obligation under this Agreement if Licensee or a third-party
     on behalf of Licensee engages in such activity. It is agreed that database
     replication and publication implementation and support services are not
     included in this agreement. It is agreed by both parties that selection,
     querying, accessing, exporting or reading of data contained in the
     QMACS(TM) database tables by the Licensee using third-party software is
     excluded from this Section 4.4. Data Base Administration is a chargeable
     item toward the total annual Service Unit allocation.

4.6  HELP DESK SUPPORT. Licensor shall provide "help desk support" as defined
     herein to Licensee during Licensor's normal business hours. Help desk
     support will consist of telephone consultation, wide area network (WAN),
     Telecopy (Fax), E-mail or Internet communication with a representative of
     Licensor to provide Licensee with information, advice and assistance with
     respect to the operation and use of QMACS(TM) Software. Licensee may obtain
     help desk support by communicating with Licensor's designated
     representative or following Licensor's process for help desk support.
     Licensee will use its best efforts to maintain the training level of its
     employees on the software. Licensor's help desk is not a substitute for
     training and Licensee agrees to maintain a reasonable number of trained
     personnel to use the Software and train other of Licensee's personnel.
     Licensor will respond within 24 hours of receiving a request for help desk
     support on a five (5) day, eight (8) hour per day 8:00am to 5:00pm Mountain
     Standard Time schedule except as provided for in Exhibit F. Licensee shall
     operate its own internal help desk to provide end user support and training
     without reliance on the help desk maintained by Licensor. Licensee's help
     desk personnel may avail themselves of Licensor's help desk support
     provided Licensee's help desk personnel are appropriate to the position and
     correctly trained and experienced in the use of QMACS(TM). It is the
     parties intention that Licensor's help desk personnel will be primarily
     responsible in supporting help desk functions of the Licensee. Licensee's
     help desk service will directly provide support to its end users. Help desk
     support is a chargeable item toward the monthly Service Unit allocation.
     Licensor shall provide Licensee an after hours contact person and/or phone
     number in case of emergencies.

4.7  SOFTWARE RELEASE AND UPDATE SUPPORT. Licensor agrees to provide and release
     any patches or fixes to the Software on a timely basis electronically
     according to Exhibit F - STANDARD SUPPORT and RELEASE POLICY. Software
     Release and Update Support is a chargeable item toward the annual Service
     Units.

4.8  METHOD OF SUPPORT. Licensor shall provide support via Wide Area
     Network(WAN) to Licensee. This support will consist of direct line or WAN
     access to the QMACS(TM) Software installed on the Approved Hardware.
     Licensee shall obtain and maintain a direct line or WAN link and other
     telecommunication equipment and software such as is required and approved
     by Licensor to enable Licensor to supply Data Base Administration, Support
     Services and Maintenance of the Applications. The WAN link must be
     capable of a minimum of 128kb per second consistent average transmission
     speed on a frame relay or fractional T1 mode protocol or equivalent.
     Licensor's approval of direct line or WAN link and telecommunication
     equipment and software is necessary to ensure compatibility with Licensor's
     modems and telecommunication equipment and software. The acquisition,
     maintenance and support of Licensee's modems, routers, WAN, telephone line
     and other telecommunication equipment and software and all costs thereof
     shall be the responsibility of Licensee. Licensee shall reimburse Licensor
     for direct line, WAN or telephone charges incurred by Licensor in
     connection with WAN or modem support.

4.9  SOFTWARE MODIFICATION PURSUANT TO GOVERNMENT REGULATION. After written
     notice to Licensor, Licensee shall be entitled to receive, without
     additional charge, such

(C) Quality Care Solutions, Inc. -1998                            Page 10 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   11
     modifications to the Applications as are required to reflect any mandatory
     changes in federal or state government managed care regulations that are
     applicable in any states where Licensee is utilizing the QMACS(TM)
     Software. Licensee agrees to provide said regulatory requirement
     information to Licensor no later than ninety (90) days prior to its
     Effective Date. Licensor shall be obligated to provide only a single
     solution to any given mandatory change which is acceptable by the
     appropriate controlling government agency.

4.10 ADDITIONAL SERVICES. Subject to the mutual agreement of the Parties and
     additional compensation as scheduled or agreed upon, Licensor or a
     Certified Implementation Partner will provide to Licensee some or all of
     the following additional services which shall be made available to Licensee
     for fees, terms and conditions in effect concerning the following services.

             A.   On-Site Support;
             B.   New Software;
             C.   Custom Programming;
             D.   Special Services;
             E.   Data Conversion Services
             F.   Electronic Data Interchange;
             G.   Interfaces to third-party systems
             H.   Custom report development

Licensor and Licensee agree the design, development, testing and production of
specific electronic interfaces to third-party software applications, electronic
data input and output formats, will be quoted on a time and material basis in
writing and accepted by both Parties prior to work commencing.

These "Additional Services" are not "Support Services" and are not covered by
the Standard Service Units allocated for Support and are not covered under
Warranty provisions in Article VII.

4.11 SPECIAL SERVICES. Licensor may offer Licensee other services ("Special
Services") to enhance the utility, user-friendliness and/or value of QMACS(TM)
Software to Licensee. Such Special Services may include, but are not necessarily
limited to, consulting services, Training, classes, training modules, in
addition to initial Training, computer assisted education modules, and the
provision of Support Services for modified QMACS(TM) Software. Fees and charges,
if applicable for the foregoing will be quoted from time to time to Licensee by
Licensor.

4.12 EQUIPMENT AND ACCESS TO DATA. To facilitate the performance of Support
Service and any Additional Services, Licensee, at its expense, shall:

     A.  Direct line or WAN. Acquire and maintain in good operating condition at
         each authorized location a telecommunication hardware/software
         configuration (including router, direct telephone line link and other
         telecommunication equipment and software) as Licensor shall reasonably
         require for compatibility with Licensor's telecommunication
         hardware/software configuration. Licensor may request Licensee to
         upgrade said communication configuration from time to time upon mutual
         agreement.

     B.  Cooperation. Make available to Licensor such personnel, time, supplies,
         equipment, assistance and cooperation of Licensee as Licensor shall
         reasonably request;

     C.  Licensor Access to Software and Data. Permit Licensor support personnel
         to have full and free access to the QMACS(TM) Software installed on the
         Approved Hardware and data used in connection with any QMACS(TM)
         Software. Such data shall be held in confidence by Licensor and used
         exclusively to enable Licensor support personnel to accomplish or
         facilitate Support Services or any Additional Services. Licensee will
         provide Licensor system password(s) necessary to operate and support
         the QMACS(TM) applications and related databases;

(C) Quality Care Solutions, Inc. -1998                            Page 11 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   12
     D.   Back-Up Data. Maintain adequate back-ups of all data provided to
          Licensor support personnel in order to ensure continued data security
          and retention. LICENSOR SHALL NOT BE OBLIGATED TO RECREATE OR RESTORE,
          OR BE LIABLE IN ANY WAY FOR, LICENSEE DATA IN THE EVENT OF LICENSEE'S
          FAILURE TO MAINTAIN ADEQUATE BACK-UP OF ALL DATA;

     E.   Licensee Information. Provide Licensor's support personnel access to
          all Licensee information specific to QMACS(TM) Application(s)
          maintained on the Licensee's Data Server. Licensor shall comply with
          all applicable laws relating to the confidentiality of such
          information and promises to comply with reasonable confidentiality
          policies of the Licensee and sign confidentiality agreements as
          requested by Licensee;

     F.   Install Modifications. Promptly install or have installed on all
          Client workstations all new releases of QMACS(TM) Software required by
          Licensor for continued support. Licensee agrees to install
          modification and upgrade QMACS(TM) applications to keep the Software
          within one(1) incremental version number of the generally released
          version of the Software. It is agreed the Licensee is responsible for
          all software updates to the Approved Client Workstations including but
          not limited to operating systems, networking software, database
          connectivity software. Licensor will install any QMACS(TM) Software
          modifications, updates or fixes to an agreed upon location on the
          application server provided by Licensee. It will be the Licensee's
          responsibility to test, accept and move the new or modified QMACS(TM)
          Software to the respective Approved Client Workstations or into
          production on appropriate computers.

                                    ARTICLE V

                SPECIAL RESPONSIBILITIES OF LICENSEE AND LICENSOR

                      SPECIAL RESPONSIBILITIES OF LICENSEE:

5.1 LICENSEE PROVISIONS TO LICENSOR'S SUPPORT TEAM MEMBERS. Licensee shall
provide to Licensor's support and Implementation staff the following while on
site performing installation, development, Implementation, Training or support
work:

     A. A business-like working environment including, but not limited to,
     office space, desks, furnishings, telephone with access to an outside line
     for business calls relating to Licensor's performance under this Agreement.
     Licensee agrees to use reasonable efforts to provide space and furnishings
     consistent with the space and furnishing made available to Licensee's
     employees of similar responsibility.
     B. An Approved Client Workstation(s) connected to Licensee's Approved Data
     Server(s) and or the WAN network.
     C. Unrestricted access to the Approved Hardware running QMACS(TM) Software
     or databases shall be granted to all members of the Licensor's
     Installation, Development, Support, Training and Implementation staff.
     Licensee shall provide to the Licensor's support manager system password
     clearance including Windows NT administrator password for the Primary
     Domain controller, any distribution or OLE automation servers, the system
     administrator password for any data base servers, and in general, any
     access required to perform Licensor's obligations hereunder.
     D. Licensee shall make available to Licensor's staff other available
     equipment reasonably necessary for Licensor to perform its services
     including but not limited to communications equipment such as faxes,
     modems, telephones and Internet connections, if available.

(C) Quality Care Solutions, Inc. -1998                            Page 12 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   13
     E. Licensee shall maintain acceptable industry standards for input,
     maintenance, storage, security and archiving of data to be used with the
     Software.

5.2 LICENSEE'S PROJECT LEADER OR AGENT. Licensee shall provide a project leader
or agent. Such project leader shall be authorized by Licensee to:

     A.   make decisions, approve plans and grant requests on behalf of Licensee
          in connection with the Implementation of the QMACS(TM) Software
          consistent with the terms of this Agreement;
     B.   make management decisions and provide personnel, including the
          appointment of Application Coordinators, and other Representatives as
          reasonably required by Licensor, in order to accomplish and facilitate
          the Implementation services provided by Licensor in a proper and
          efficient manner;
     C.   maintain Licensee's Approved Hardware or cause the same to be
          maintained in proper working order during the term of the License and;
     D.   provide for or develop workflow and organizational processes to
          compliment the Implementation and Training of the QMACS(TM) Software;
     E.   Licensee will exercise its best efforts in the performance of
          Licensee's obligations hereunder in connection with the Implementation
          of QMACS(TM) Software and preparation of the authorized location(s)
          therefore;
     F.   Provide a project plan for Implementation at Licensee site taking into
          account specific operational and procedural processes. Licensor will
          provide a sequential prioritized task list and estimated timeframe for
          each task and recommendations on incorporating tasks into Licensee's
          project plan. It is agreed that project management is the Licensee's
          responsibility unless otherwise provided for in this agreement.
     G.   Licensee agrees to staff the Implementation with the necessary
          full-time resources. It is agreed that the following resources will be
          dedicated full time to the Implementation effort:

                  Project Manager -
                  Functional Specialists - Five(5) industry and operational
                         experienced people
                         One (1) Benefit Plan Specialist;
                         One (1) Provider Reimbursement and Contract Specialist;
                         One (1) Eligibility and Enrollment Specialist;
                         One (1) Prior Authorization Specialist;
                         One (1) Claims Specialist;
                  Database Administrator - Preferably Microsoft(R) Certified
                  System Engineer (MCSE) certification;
                  Systems and Network Administrator - preferably a
                  MCSE certification;
                  Report Writing & Data mapping personnel - preferably RDBMS
                  qualified;
                  EDI interface personnel.

     H.   Licensee agrees to senior management involvement and participation in
          steering committee meetings throughout the Implementation of the
          QMACS(TM) Software. Licensee agrees that senior management involvement
          is a necessary and essential ingredient to Implementation project
          success.

5.3 HARDWARE AND SOFTWARE ELEMENTS. Licensee shall insure that the minimal
Hardware and Software Elements identified in Exhibit D attached hereto are in
place and operational at the authorized location(s) prior to the Implementation
commencement date. Licensee agrees to pay Licensor for any services performed by
the Licensor for the set-up, troubleshooting, support or maintenance of any of
the Hardware or Software Elements identified in Exhibit D on behalf of the
Licensee. Licensee shall be responsible for the continued operation and
upgrading, maintenance and support of such Hardware and Software Elements and
shall comply with the operational, environmental, maintenance and support
recommendations and requirements of the vendors and manufacturers thereof.
Licensee agrees to upgrade and maintain current third-

(C) Quality Care Solutions, Inc. -1998                            Page 13 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   14
party software versions no older than one(1) incremental version number from the
currently released version.

5.4 DATA. Licensee agrees to enter all data required for the correct operation
of the QMACS(TM) Software in accordance with written documentation and
specifications provided by Licensor. Licensee shall provide to Licensor, in a
mutually acceptable form, that data and material as agreed by Licensor and
Licensee to enable Licensor to provide the services called for in this
Agreement. Licensee is solely responsible for the accuracy and timeliness of its
data and information and the validation thereof. If data or materials submitted
by Licensee are incorrect, or not in a form mutually agreed upon by Licensor and
Licensee for processing, Licensor may charge Licensee for costs incurred to
correct or make the data or materials submitted by Licensee as usable for
Licensor's purposes. Licensee agrees to promptly provide Licensor with copies of
documents, other materials, and communications from regulatory agencies that
affect the Software or new requirements of the respective agencies. Licensee
agrees to provide said data or information to Licensor no later than ninety (90)
days prior to its Effective Date. Licensee acknowledges that QMACS(TM) Software
is rule-based and the Licensee is responsible for the accurate data definition,
set-up and maintenance of all rules and data elements according to Licensor
supplied documentation and Training. Licensee is responsible for all errors,
omissions, penalties and restrictions as a result of improper data set-up or
maintenance by Licensee, its employees or agents.

                      SPECIAL RESPONSIBILITIES OF LICENSOR:

5.5 LICENSOR'S PROJECT LEADER OR AGENT. Licensor agrees to provide a project
leader or agent during the Installation and Implementation of the Software.
Licensor's project leader will be the contact person and focal point for all
communications, arrangements, scheduling, required for the planning and
Implementation of the Software at the Licensee's location. Licensor's project
leader will communicate and work with Licensee's project leader.

5.6 CONDUCT JOINT APPLICATION DESIGN SESSIONS. Licensor agrees to conduct joint
application design(JAD) sessions for the purpose of obtaining Licensee input on
new product direction, designs, innovation and planning information for new
software applications, modules under consideration for development by the
Licensor. Licensor agrees to notify Licensee of joint application design
sessions as they are planned and scheduled. Licensee shall be permitted to have
up to four(4) qualified practitioners attend any scheduled JAD sessions. Both
parties agree that new product development and Enhancements will result from
participation in JAD sessions and attendance and participation is voluntary and
Licensee will not acquire any special privilege or right to the software or
design thereof, including any intellectual property or trade secrets that result
from participation in JAD sessions. It is agreed that all materials, designs,
works, processes resulting from JAD sessions are the sole property of the
Licensor.

5.7 IMPLEMENTATION MODIFICATIONS. Licensor, at Licensor's sole discretion, will
develop simple modifications to the Software that Licensor deems necessary for
Licensee's operation at no charge to the Licensee.

5.8 STEERING COMMITTEE - Licensor agrees to senior management involvement and
participation in Steering Committee meetings throughout the Implementation of
the QMACS(TM) Software.

5.9 STAFFING AND STAFF QUALIFICATIONS - The consulting and professional
personnel provided by Licensor shall have appropriate technical and application
skills to enable them to perform their duties hereunder. Licensor shall disclose
the names, skills, abilities and roles of personnel assigned to the
Implementation and provide sufficient staff to meet Licensor's Implementation
responsibilities.

(C) Quality Care Solutions, Inc. -1998                            Page 14 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   15
                                   ARTICLE VI

                                  RESTRICTIONS

6.1 USE BY OTHERS. Licensee may use QMACS(TM) Software and the Documentation
only for Licensee's own internal purposes to process data for Licensee or any of
it's affiliates. Licensee shall not allow any third-party to access, copy or use
QMACS(TM) Software or the Documentation without first obtaining a signed
Confidentiality Agreement similar to Exhibit B from the third-party which will
be provided to the Licensor. The Licensee shall not use the QMACS(TM) Software
to provide time-sharing or data processing services to a third-party without
written permission of Licensor. Notwithstanding any other provisions of this
Agreement, Licensee may disclose the QMACS(TM) Software and Documentation to any
third-party for the limited purpose of maintenance or modification of computer
hardware or software for use by Licensee provided that such disclosure is
pursuant to a Confidentiality Agreement. Any Software modified or changed by a
third-party on behalf of Licensee will not be covered under Article VII without
a separate written agreement and is cause for termination of this Agreement.

6.2 DUTY TO SAFEGUARD. QMACS(TM) Software and the Documentation, and the trade
secrets and intellectual property embodied therein, are of great value to
Licensor. Accordingly, Licensee shall exercise reasonable care and diligence to
protect the same against any unauthorized copying, piracy and misappropriation.

6.3 MODIFICATIONS. Licensee shall notify Licensor in writing on any Derivative
Work. Any and all such Derivative Works and modifications shall be the property
of Licensor and Licensee hereby assigns all title and ownership interest therein
to Licensor. Such Derivative Works and modifications shall be deemed to be
QMACS(TM) Software for the purposes of this Agreement, provided, however, that
Licensor's representations, warranties and liabilities shall not extend to such
Derivative Works and modifications.

6.4 CONFIDENTIALITY BREACH. In the event of a breach or the threat of a breach
of any of the provisions of this Article, Licensor, in addition to any other
remedies it may have at law or in equity or under this Agreement, shall be
entitled to a restraining order, preliminary injunction, and other appropriate
relief so as to specifically enforce the terms of this Article. The Parties
agree that a breach of this Article would cause Licensor injury not compensable
in monetary damages alone, and that the remedies provided herein are appropriate
and reasonable.

                                   ARTICLE VII

                  WARRANTY, PATENT AND COPYRIGHT INFRINGEMENT,

              LIMITATIONS ON LIABILITY AND REMEDIES, AND LICENSEE'S
                                   LIABILITY.

7.1 WARRANTIES: Licensor warrants that it shall remedy any Material
Nonconformity within the lesser of the support policy response time as defined
in Exhibit F or thirty (30) days after notification in writing is received from
Licensee only if Licensor can duplicate the defect. Upon receipt of such notice,
Licensor, at no cost to Licensee, shall remedy the Material Nonconformity. This
warranty does not extend to QMACS(TM) Software modified by Licensee or

(C) Quality Care Solutions, Inc. -1998                            Page 15 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   16
for non-conformities due to Licensee misuse. Licensor's warranty covers only
service to correct Material Non-conformities reported during the term of this
Agreement. Telephone and WAN support, and other services are excluded from
Licensor's warranty. Licensor warrants the Software conforms to the
specifications of Exhibit A - Section 1 through 18.

Licensor warrants that it is solvent and has adequate working capital to fulfill
its obligations under this Agreement.

Licensor warrants that it has or will obtain necessary licenses and permits
needed to fulfill its obligations under this Agreement.

Licensor warrants that Licensor and its employees are competent to perform the
services of the Licensor in this Agreement.

Licensor warrants that its Software is year 2000 compliant and can accommodate
February 29 for leap year.

7.2 LIMITATIONS ON WARRANTY. Except as set forth in the Specifications, Licensor
does not warrant that the QMACS(TM) Software will meet Licensee's requirements
or will operate in the combinations which may be selected for use by Licensee,
or that the operation of the QMACS(TM) Software will be uninterrupted or error
free.

7.3 SCOPE OF WARRANTY. THE FOREGOING IS IN LIEU OF ALL OTHER WARRANTIES EXPRESS
OR IMPLIED. LICENSOR 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. LICENSEE HEREBY DISCLAIMS
ANY RELIANCE ON ANY WARRANTY OR REPRESENTATION NOT EXPRESSLY SET FORTH IN THIS
AGREEMENT.

7.4 INDEMNIFICATION Licensor promises to indemnify Licensee, at Licensor's
expense, against any claim that the QMACS(TM) Software or the corresponding
manual(s) infringe on a patent, copyright, or trade secret in the United States.
Licensor will also pay all costs, damages, and attorneys' fees that a court
finally awards as a result of such claim, to the limit of Licensor's liability
as determined by the court. Licensor's duties under this Section 7.5 are
conditioned upon the following:
     A.   Licensee shall give to Licensor prompt written notice or any actual or
          threatened claim;
     B.   Licensor shall have control of the defense of any claim and of all
          negotiations for the settlement or compromise of such claim;
     C.   Licensee shall cooperate with Licensor in the defense or settlement of
          any claim at Licensor's expense: and
     D.   The claim does not arise out of Licensee's modification of the
          QMACS(TM) Software or the use of QMACS(TM) Software in combination
          with anything not approved by Licensor.

If a patent, trade secret or copyright infringement occurs, or in Licensor's
judgment is likely to occur. Licensor, at Licensor's option and expense, may
either procure the right for Licensee to continue using the QMACS(TM) Software
and the manual(s), or replace or modify them to be functionally equivalent, to
the satisfaction of Licensee, so that they become non-infringing. If neither of
the foregoing alternatives is reasonably available in Licensor's judgment,
Licensee shall return all copies of the Application(s) in question and
corresponding manual(s) to Licensor upon written request. Licensor will refund
the pro-rata cost of Implementation of the Application in question based on a
five-year useful life.

The above promise of indemnification extends only and strictly to the QMACS(TM)
Software and manual(s) in the forms provided by Licensor and expressly precludes
any indemnification with

(C) Quality Care Solutions, Inc. -1998                            Page 16 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   17
respect to claims based upon the QMACS(TM) Software, manual(s) or any software
or documentation which has been modified by anyone besides Licensor.

7.5 LIMITATIONS ON LIABILITY AND REMEDIES. Licensee expressly agrees that
Licensor's entire liability and Licensee's exclusive and sole remedies for
breach of Licensor warranties shall be as follows:

     A.   CONFORMITY/NONCONFORMITY OF THE QMACS(TM) SOFTWARE. In all situations
          involving conformance or nonconformity of the QMACS(TM) Software
          during the period as set forth in Section 2.7 of this Software License
          Agreement, Licensee's sole remedy is the correction by Licensor at its
          expense of any Material Nonconformity with the Specifications provided
          written notice of such nonconformity is received by Licensor. Licensor
          shall have no liability or obligation under this Agreement with
          respect to any nonconformity with the Specifications not reported in
          writing by Licensee to Licensor during the applicable Warranty Period.

     B.   DISCLAIMER OF LIABILITY. EXCEPT FOR LICENSOR'S INDEMNIFICATION
          OBLIGATIONS, IN NO EVENT WILL LICENSOR BE LIABLE FOR ANY DAMAGES
          CAUSED BY LICENSEE'S FAILURE TO PERFORM LICENSEE'S RESPONSIBILITIES,
          OR FOR ANY LOST PROFITS, LOST SAVINGS, LOSS OF DATA, LOSS OF USE OF
          THE QMACS(TM) SOFTWARE, COSTS OF RECREATING LOST DATA, OR ANY OTHER
          INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES, EVEN IF LICENSOR HAD
          BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM
          AGAINST LICENSEE BY ANY OTHER PARTY.

     C.   MAXIMUM LIABILITY. LICENSOR'S AGGREGATE LIABILITY FOR DAMAGES TO
          LICENSEE FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF
          ACTION, INCLUDING CONTRACT, TORT, COMPUTER MALPRACTICE, PRODUCTS
          LIABILITY, STRICT LIABILITY, AND/OR OTHERWISE SHALL BE LIMITED TO THE
          AMOUNT OF THE IMPLEMENTATION FEES PAID TO LICENSOR. THIS SUBSECTION
          SHALL NOT APPLY TO SECTIONS 7.5 "LICENSOR'S PATENT AND COPYRIGHT
          INDEMNIFICATION OF LICENSEE" or Section 7.6 "LICENSOR'S OPTION IF
          INFRINGEMENT OCCURS" or Section 9.8 "CONFIDENTIALITY-LICENSOR"

     D.   CARE BY LICENSEE. After installation of the Application, it is the
          duty solely of Licensee to: verify the results and information
          provided by the Application, that the Application is operated properly
          by trained personnel, and to satisfy itself that all such results and
          information are true, complete and correct.

     E.   TIME LIMITATIONS. No action, regardless of form, arising out of this
          Agreement may be brought by Licensee later than two (2) years after
          the cause of action has arisen and Licensee has (or should have)
          acquired knowledge thereof.

     F.   ALLOCATION OF RISK. This Agreement in general, and the foregoing
          limitations on liabilities and warranties in particular, represent a
          mutually agreed upon allocation of risk and the consideration provided
          for in this Agreement has been calculated to reflect such allocation
          of risk.

7.6 SOFTWARE MISUSE. Licensee agrees to indemnify Licensor from liability due to
Licensee's misuse of the Software.

(C) Quality Care Solutions, Inc. -1998                            Page 17 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   18
                                  ARTICLE VIII

                    TERMINATION, DISCONTINUANCE AND REMEDIES

8.1 TERMINATION OF THE LICENSE. This Agreement may be terminated as follows:

     A.   By Either Party

     This agreement may be terminated by either party if the other Party fails
     to comply with the terms, conditions or any covenant or agreement on its
     party under this Agreement, and fails to perform or cure the same within
     forty-five (45) days of receipt of written notice to cure (the "Cure
     Date").

     B.   By Licensor:

     1. Termination by Licensor at End of Term. Licensor may notify Licensee
     that this Agreement will terminate as of the end of the initial term
     thereof by giving Licensee at least 90 days prior written notice of such
     termination.

     2. Licensor may terminate this Agreement. Licensor may terminate this
     Agreement immediately by delivering to Licensee written notice of such
     termination in the event of the happening of any of the following:

               (a)  insolvency of Licensee; filing of voluntary petition in
                    bankruptcy by Licensee; filing of a petition to have
                    Licensee declared bankrupt, provided it is not vacated
                    within thirty (30) days from date of filing; appointment of
                    a receiver or trustee for Licensee, provided such
                    appointment is not vacated within thirty (30) days from date
                    of filing; or execution by Licensor of an assignment for
                    benefit of creditors;

               (b)  any assignment or attempted assignment by Licensee of any
                    interest in this Agreement except as provided for in section
                    9.3 without Licensor's written consent;

               (c)  conviction in a court of competent jurisdiction of Licensee
                    for any violation of law tending in Licensor's opinion to
                    adversely affect the operation of business of Licensor or
                    the good name, good will or reputation of Licensor or
                    Licensor's Products.

               (d)  conduct prohibited by the federal statutes governing the
                    protection of copyrights, 17 U.S.C. Section 101 et seq.
                    shall also constitute grounds for termination of the
                    performance of any obligation under or in connection with
                    this Agreement.

               (e)  if Licensee is required to maintain a license in any state
                    or jurisdiction where this Agreement is to be performed and
                    Licensee fails to secure or maintain such license after
                    notice of such termination.

     C.   By Licensee:

(C) Quality Care Solutions, Inc. -1998                            Page 18 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   19
     1. Termination by Licensee at End of Term. Licensee may notify Licensor
     that this Agreement will terminate as of the end of the initial term
     thereof by giving Licensor at least 90 days prior written notice of such
     termination.

     2. Licensee may terminate this Agreement. Licensee may terminate this
     Agreement immediately by delivering to Licensor written notice of such
     termination in the event of the happening of any of the following:

               (a)  insolvency of Licensor; filing of voluntary petition in
                    bankruptcy by Licensor; filing of a petition to have
                    Licensor declared bankrupt, provided it is not vacated
                    within thirty (30) days from date of filing; appointment of
                    a receiver or trustee for Licensor, provided such
                    appointment is not vacated within thirty (30) days from date
                    of filing; or execution by Licensee of an assignment for
                    benefit of creditors;

               (b)  any assignment or attempted assignment by Licensor of any
                    interest in this Agreement except as provided for in section
                    9.3 without Licensee's written consent;

               (c)  conviction in a court of competent jurisdiction of Licensor
                    for any violation of law tending in Licensee's opinion to
                    adversely affect the operation of business of Licensee or
                    the good name, good will or reputation of Licensee or
                    Licensee's Products.

               (d)  conduct prohibited by the federal statutes governing the
                    protection of copyrights, 17 U.S.C. Section 101 et seq.
                    shall also constitute grounds for termination of the
                    performance of any obligation under or in connection with
                    this Agreement.

               (e)  if Licensor is required to maintain a license in any state
                    or jurisdiction where this Agreement is to be performed and
                    Licensor fails to secure or maintain such license after
                    notice of such termination.

8.2 LICENSOR REMEDIES.

     A.   Licensor may demand any money due and owning to it under this
          Agreement defined as Implementation and development fees, support and
          maintenance fees and time and material charges.

     B.   Seek an injunction against the continued use of the Software and to
          protect the Licensor's intellectual and proprietary rights.

     C.   Terminate this agreement in conformance with the terms set forth in
          paragraph 8.1.

8.3 OBLIGATIONS OF THE PARTIES UPON TERMINATION. Upon termination of the
License, neither Party shall have any further obligations hereunder except for:
     A.   Obligations accruing prior to the Cure Date ;

     B.   Obligations or promises contained herein which relate to the
          protection or confidentiality of QMACS(TM) Software (including
          Executable Code) or the Documentation, which arise hereunder or which
          are expressly made to extend for five years past the Term of this
          Agreement; and

     C.   The obligation of Licensee to certify in writing to Licensor within
          twenty (20) days of expiration or termination of the License that all
          copies of the QMACS(TM) Software and the manual(s) have been destroyed
          by Licensee or delivered to Licensor.

(C) Quality Care Solutions, Inc. -1998                            Page 19 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   20
8.4 ESCROW STATEMENT. The Licensor shall maintain a copy of the most recent
Source Code for the QMACS(TM) Software with Ft. Knox Escrow Services Inc. or a
trustee mutually acceptable to Licensee and Licensor. In the event that Licensor
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
Licensor or receiver, commences any dissolution or liquidation proceedings, or
transfers all or substantially all of their assets to another entity, then the
trustee shall be directed to deliver the Source Code to Licensee. In the event
that Licensor does not meet Licensee's Cure Date as defined in Section 8.1 for
resolving Material Non Conformities, Licensee may obtain access to Licensor's
Source Code held in escrow by trustee. Licensee shall provide written
notification to both Licensor and trustee of intention to access Source Code.
Licensor shall notify Licensee who the appointed trustee is, and give notice
prior to any of the actions mentioned herein. Licensee shall reimburse Licensor
for any costs of Source Code escrow, escrow maintenance or source code access.

                                   ARTICLE IX

                               GENERAL PROVISIONS

9.1 AGENCY. Except as specifically permitted under this Agreement, neither
Licensor nor Licensee shall make any representations or warranties or incur any
liability on behalf of the other. Neither party is the agent, representative,
partner or joint venture of or with the other Party.

9.2 APPLICABLE LAW AND ARBITRATION. This Agreement shall be construed and
interpreted in accordance with the laws of the State of Arizona. Before
commencing any proceeding, the parties agree to meet and confer, face to face,
and engage in good faith efforts to resolve any dispute. Any arbitration
commenced prior to such face to face meeting shall be dismissed by the
arbitrator without prejudice, and shall not be refiled until such time as the
parties have met face to face and discussed the dispute. 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, arbitration shall be conducted in
accordance with the rules of the Arizona Arbitration Act, A.R.S. Section Section
12-1501 et seq., and the Commercial Arbitration Rules of the American
Arbitration Association ("AAA") in effect at the time of the arbitration, except
as they may be modified or supplemented herein or by mutual agreement of the
parties Arbitration awards shall be binding and conclusive upon the Parties,
their successors and assigns and they shall comply with such awards in good
faith. The seat of the arbitration shall be in Phoenix, AZ. If reasonably
necessary, judgment upon an arbitration award may be entered in any court having
jurisdiction. In the event of arbitration or litigation, the non-prevailing
Party shall pay the costs and expenses including reasonable attorneys fees,
incurred in arbitration or litigation, or in preparation therefor, by it and by
the prevailing Party.

9.3 ASSIGNMENTS, SUB-LICENSES, ETC. BY THE LICENSEE. Licensee shall not have the
power or the right (1) to delegate any duty under this Agreement, (2) to grant
any sub-license under the License, or (3) to assign or transfer the License,
this Agreement or any right thereunder. Any attempt by Licensee to assign any
right or duty under this agreement shall be void as a matter of law. Licensee
shall, however, have the limited right to assign or transfer this License to a
parent Corporation, holding company, or subsidiary, or to a corporation,
partnership or other entity which succeeds to all or substantially all of the
business of the Licensee, but only with the prior written approval of the
Licensor which shall not be unreasonably withheld

(C) Quality Care Solutions, Inc. -1998                            Page 20 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   21
9.4 ASSIGNMENTS, SUB-LICENSES, ETC. BY THE LICENSOR. Licensor shall not have the
power or the right to delegate any duty under this Agreement, except that
Licensor may make such an assignment to a parent corporation, holding company,
or subsidiary, or to a corporation, partnership or other entity which succeeds
to all or substantially all of the business or assets of the party, or otherwise
with the approval of the Licensee which shall not be unreasonably withheld.
However, Licensor, in its sole discretion and without the approval of the
Licensee, may assign the economic benefits of this Agreement. In no way is this
Agreement to restrict the rights of the Licensor to grant licenses or enter into
agreements with others.

9.5 AUTHORIZATION. Each Party represents and warrants to the other that it is
duly authorized to execute and perform under this Agreement and that this
Agreement constitutes its valid obligation, enforceable according to the
provisions hereof.

9.6 CALENDAR DAYS. Unless otherwise stated, all periods of days referred to in
this Agreement shall be measured in calendar days.

9.7 CONFIDENTIALITY - LICENSEE. Licensee shall not divulge, furnish or make
accessible any of Licensor's trade secrets, or any pricing information contained
in this Agreement to any third-party during the term of this License except as
required by federal, state or local regulatory agencies or in the course of
sanctioned audits or reviews. Any other release of information will be done only
with Licensor's prior written authorization. Licensee acknowledges that the
pricing structure set forth herein is substantially less than Licensor's
standard pricing as a result of Licensee's agreement to undertake certain tasks
and responsibilities defined in this Agreement.

9.8 CONFIDENTIALITY-LICENSOR. Licensor shall not divulge, furnish, or make
accessible to anyone else any trade secrets or data of Licensee, including but
not limited to patient data unless requested to do so in writing by Licensee,
except as required by federal, state or local regulatory agencies or in the
course of sanctioned audits or reviews.

9.9 EXHIBITS. The following exhibits are hereby incorporated into this Agreement
by reference:
         Exhibit A entitled "Specifications of QMACS(TM)  Software"
         Exhibit B entitled "Confidentiality Agreement:"
         Exhibit C entitled "Fees, Rates and Payment Schedules:"
         Exhibit D entitled "Hardware and Software Elements:"
         Exhibit E entitled "Locations and Notices"
         Exhibit F entitled "Standard Support and Release Policy"
         Exhibit G entitled "QMACS(TM) Standard Implementation Plan"
         Exhibit H entitled "Listing of QMACS(TM) Standard Reports"

9.10 EXPORT ACT. Licensee hereby warrants and certifies that no part of the
QMACS(TM) 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.

9.11 FORCE MAJEURE. Either Party shall be excused for failures and delays in
performance of their 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 written notice thereof to the other Party.

(C) Quality Care Solutions, Inc. -1998                            Page 21 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   22
9.12 LOSS OR DAMAGES TO QMACS(TM) SOFTWARE. In the event of loss, damage, or
destruction of any of the Licensed Software, the lost, damaged, or destroyed
QMACS(TM) Software shall be replaced by Licensor upon the written request of
Licensee. Licensee shall pay Licensor's reasonable reproduction and delivery
expenses for such replacement unless the loss, damage, or destruction is caused
by Licensor.

9.13 MODIFICATION OF THE 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 an Officer 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 other rights under this
Agreement. No delay in acting with regard to any breach shall be construed as a
waiver of the breach.

9.14 NOTICES. Any notices required or permitted hereunder shall be sufficiently
given if sent by registered or certified mail, postage prepaid, addressed or
delivered as set forth in Exhibit E, attached hereto.

A Party hereto may change its address for notice purposes by furnishing the new
address in writing to the other Party. Any such notice shall be deemed to have
been given, if mailed to the last known address as provided herein, on the fifth
(5th)day after the date on which the notice is mailed.

9.15 RESERVATION OF RIGHTS. All rights of Licensor not expressly granted to
Licensee in writing are reserved.

9.16 SECTION HEADINGS. The headings of Articles and sections herein are used for
convenience and ease of reference and shall not limit the scope or intent of the
Articles or Sections.

9.17 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.

9.18 STATE AND FEDERAL LAWS. The Parties recognize that this Agreement is at all
times are subject to applicable state, local, and federal law including, but not
limited to, the National Health Planning and Resources Development Act of 1974,
the Social Security Act, and the rules, regulations and policies of the
Department of Health and Human Services ( including the right of the Secretary
of HHS or his designee to access for a period of four years from termination of
the License, Licensor's relevant books and records evidencing Licensor's
contractual relations with Licensee), all public health and safety provisions of
state law and regulations, the rules and regulations of the applicable Health
Systems Agency and applicable Executive Orders. For example, the Equal
Employment Opportunity clause as required by Section 202 of Executive Order
11246 (1965) and as contained in and required by 41 C.F.R, Section 60-1.4
(1984), "Equal Opportunity Clause," is incorporated herein by reference, if
applicable. The Parties further recognize that the Agreement shall be subject to
Amendments in such laws and regulations and to new legislation such as a new
federal or state economic stabilization or health insurance program. Any
provisions of law that invalidate, or otherwise are inconsistent with, the terms
of this Agreement or that would cause one or both of the Parties to be in
violation of law, shall be deemed to have superseded the terms of this
Agreement, provided, however, that the Parties shall exercise their best efforts
to accommodate the terms

(C) Quality Care Solutions, Inc. -1998                            Page 22 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   23
and the intent of this Agreement to the greatest extent possible consistent with
the requirements of law.

9.19 SUCCESSORS IN INTEREST. This Agreement shall inure to the benefit of and be
binding upon the parties, their successors, and legal representatives, and shall
not inure to the benefit of any other person, firm or corporation.

9.20 TAXES AND DUTIES. The License Fees, Implementation Fees, and all other
fees, charges and payments specified herein are exclusive of any taxes, duties,
or other tariffs imposed by any governmental agency on the QMACS(TM) Software,
the Manual(s) or Licensee's use thereof, for any goods or services provided
pursuant to this Agreement. Licensee shall be liable for any such taxes, duties,
or tariffs, including, but not limited to, state and local sales, use, and
property taxes, and penalties exclusive of taxes based upon Licensor's or a
third-party vendor's income.

IN WITNESS WHEREOF, the Parties hereto have executed this Agreement which is
effective as of the _________________ of _____________.

LICENSOR:             QUALITY CARE SOLUTIONS, INC.
                              By: /s/ Robert F. Theilmann
                              Name:   Robert F. Theilmann
                              Title:  Chief Executive Officer

LICENSEE:             DELTA DENTAL OF MISSOURI, A NOT-FOR-PROFIT CORPORATION
                              By: /s/
                              Name:
                              Title:

(C) Quality Care Solutions, Inc. -1998                            Page 23 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   24
                                    EXHIBIT A

                      SPECIFICATIONS OF QMACS(TM) SOFTWARE

These Specifications apply only to the QMACS(TM) Software as originally provided
to Licensee under this Agreement. Updates, Enhancements and new versions of the
QMACS(TM) Software delivered after the acceptance or use of the Software
hereunder which increase the function thereof, unless otherwise specifically and
exclusively provided for in this Agreement or agreed upon by the Parties, and
which may be offered by Licensor to Licensee, may not conform to these
Specifications.

Licensee agrees that it has performed a due diligence investigation prior to the
execution of this agreement, has examined the Software, has been provided the
opportunity to review its operation both in demonstrations at Licensee's
facility, and at third-party sites, and has independently made a determination
that the Software is suitable for its purposes.

If a matter of interpretation of the following specifications are of a material
nature, it is agreed the matter shall be resolved in accordance with the dispute
resolution and arbitration provisions set forth in the Agreement in Article IX
section 9.2.

The following are the specifications and functions of the QMACS(TM) software
system:
     A.   QMACS(TM) was developed in Microsoft Visual Basic(TM) Version 5.0 to
          operate with Microsoft SQL Server(TM) V 6.5 relational database and
          TCP/IP networking protocol.
     B.   The QMACS(TM) software system requires the use of Microsoft Windows(R)
          NT 4.0 Server as an operating system on the Approved Data Server and
          Windows(R) NT 4.0 Workstation on the Client processor. The Licenses or
          cost for licenses for any Microsoft or third-party products are not
          included in this agreement and must be obtained by Licensee. Support,
          maintenance and warranty for third-party products are not included
     C.   The QMACS(TM) Software is rule-based and will accommodate the
          following business functions for claims processing, adjudication and
          payment as interpreted by the Licensor:

Licensee and Licensor agree that the following specifications will be revised to
reflect additional development of the Licensor and final specifications will be
mutually agreed to during the assessment phase of the Implementation. The final
Specifications of the QMACS(TM) Dental software will be incorporated into this
Exhibit A.

1. GENERAL

     A.   The ability to report all claims expense information by the following:
          (1)  Rate Code.
          (2)  Month of Service.
          (3)  Provider number
          (4)  Member.
          (5)  Paid date range.
          (6)  Plan
          (7)  Provider Classification

(C) Quality Care Solutions, Inc. -1998                            Page 24 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   25
     B.   The ability to report all authorized services for a member which have
          not yet been paid for.

     C.   The ability to report all claims with a given diagnosis, procedure
          code.

     D.   The ability to generate a membership per month report by:
          (1)  Line of Business
          (2)  Plan
          (3)  Rate Code
          (4)  Member coverage type
          (5)  Employer Group
          (6)  Member Delegation

     E.   The ability to report utilization by the following selection criteria:
          (1)  By procedure code.
          (2)  By provider.
          (3)  By facility.
          (4)  By plan.
          (5)  By category of service.
          (6)  By provider specialty.
          (7)  By place of service.
          (8)  By member demographics (age, sex.)
          (9)  By rate code.
          (10) By dollar amount
          (11) By member coverage type
          (12) By member delegation
          (13) By Provider Category

2. BENEFIT PLAN CONFIGURATION

     A.   The ability to configure benefit plan packages to pay claims based on
          whether the:

          (1)  Member's PDP must render service.
          (2)  Service requires an authorization.
          (3)  Provider of service is a plan participating provider.
          (4)  Service is allowed/disallowed by the benefit plan as defined by
               user specified:
               a)   Diagnosis code (ICD-9)
               b)   Procedure code (CDT or HCPCS).
               c)   Revenue code (UB92).
          (5)  Range of the above codes.
          (6)  Diagnosis/procedure combination
          (7)  Visit Limits
          (8)  Rolling Year
          (9)  Calendar Year

(C) Quality Care Solutions, Inc. -1998                            Page 25 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   26
          (10) Plan Year
          (11) Rolling Months
          (12) Rolling Days
          (13) Month coverage starts
          (14) Lifetime Limits
          (15) Per visit limits
          (16) Bill type (UB-92)
          (17) Provider specialty
     B.   The ability to specify which edits to apply, and thus which edit code
          descriptions, appear on claims and EOBs/remits

     C.   The ability to specify the following by procedure:

          (01)  Deductible.
          (02)  Co-pay amount.
          (03)  Cost Share amount
          (04)  Dollar maximums allowed.
          (05)  Unit maximum allowed.
          (06)  Coinsurance
          (07)  Benefit period (i.e. days, weeks, months, years).
     D.   The ability to adjudicate claims according to the following benefit
          plan and member information:

          (01)  The benefit plan rules for the date of service.
          (02)  The member's eligibility for the date of service.
          (03)  The member's benefit plan package for the date of service.
          (04)  The eligibility of the member's contract group for the date of
                service.
     C.   The ability to establish rates and bill benefit plan riders in the
          following way:

          (01)  Bill riders separately from the member's benefit plan rate.

     D.   The ability to vary plan rates by the following:

          (01)  Policy group.
          (02)  Member age (provisions for unlimited age groups).
          (03)  Member sex.
          (04)  Medicare vs. Non-Medicare members (Secondary coverage)
          (05)  Medicare Part A vs. Part B (Secondary Coverage)
          (06)  Member coverage dates.

     E.   The ability to maintain date of effective benefit plan rates.

     F.   The ability to identify different categories of benefit plan types
          (e.g. medical, dental, vision, etc.)

3. BENEFIT PLAN ACCUMULATION

     A.   The ability to offer multiple benefit plans per contract group.

     B.   The ability to assign multiple benefit plans per member.

(C) Quality Care Solutions, Inc. -1998                            Page 26 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   27
     C.   The ability to enroll all members in a specified benefit plan to
          another specified benefit plan via batch process (i.e., without having
          to enroll each member individually).

4. THIRD-PARTY ADMINISTRATION

     A.   The ability to administer claims adjudication and payment,
          authorizations, utilization review, and financial reporting in a
          third-party administration role (TPA) for an entity with:

          (01)  The same provider network as the plan.
          (02)  A different provider network from the plan.

5. CAPITATION

     A.   The ability to assign capitation rates structures to specific
          providers.

     B.   The ability to process manual adjustments made to capitation pools.

     C.   The ability to have capitation rates vary by:

          (01)  Group
          (02)  Plan
          (03)  Rate Code
          (04)  Age/Sex
          (05)  Provider
          (06)  Service Zip Code
          (07)  Enrollment totals

     D.   The ability to process prorated capitations.

     E.   The ability to recon previous capitations.

6. CLAIMS ENTRY/MAINTENANCE

     A.   The ability to adjudicate claims during on-line entry.

     B.   The ability to enter and adjudicate claims through a batch interface
          via tape from an outside provider.

     C.   The ability for providers entering claims via modem to add, change,
          view and delete only:

          (01)  Their own provider information.
          (02)  Members serviced by that provider.
          (03)  Service plans for that member.
          (04)  Referrals generated by that provider.
          (05)  Their own claims information.

     D.   The ability to capture all HCFA 1500 information.

     E.   The ability to capture all UB 92 information.

     F.   The ability to capture all Universal (Pharmacy) information

(C) Quality Care Solutions, Inc. -1998                            Page 27 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   28
7. CLAIMS ADJUDICATION/PRICING

     A.   The ability to adjudicate a claim based on the benefit plan of the
          member and contract of the Provider.

     B.   The ability to pend claims at the line item level.

     C.   The ability to pay, pend, or deny a claim based on the existence of a
          valid authorization.

     D.   The ability to pend or deny a claim based on the provider number and a
          user defined set of either valid or invalid values for that provider
          using the following codes:

          (01)  Procedure codes
          (02)  Service Location
          (03)  Modifier Code
          (04)  Age
          (05)  Diagnosis

     E.   The ability to price claims based on the following payment mechanisms:

          (01)  Provider Fee Schedule.
          (02)  Percent of billed.
          (03)  Per Diem.
          (04)  Lesser of billed or covered.
          (05)  Capitated
          (06)  Per diem based on tiers

8. COORDINATION OF BENEFITS (THIRD-PARTY LIABILITY)

     A.   The ability to enter other insurance carrier information for members
          into the system.

     B.   The ability to enter the amount of COB for a claim which has already
          been paid by another insurance carrier.

     C.   The ability to calculate the paid amount by deducting the COB amount
          from allowed amount.

9. CLAIMS INQUIRY

     A.   The ability to access the following information On line(windows) from
          the claims window:

          (01)  Referrals
          (02)  Member Information
          (03)  Provider Information.
          (04)  Code values (CPT, ICD, revenue codes).
          (05)  Historical claims
          (06)  Member and Provider Memos and Alerts
          (07)  Limit and deductible accruals

     B.   The ability to access claims by:

(C) Quality Care Solutions, Inc. -1998                            Page 28 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   29
          (01)  Claim number.
          (02)  Member number
          (03)  Member name.
          (04)  Provider number
          (05)  Provider name
          (06)  Referral number

10. CLAIM PAYMENTS

     A.   The ability generate checks for claims on predefined check stock for
          laser printing.

     B.   The ability to generate remittances for both claims and encounters.

11. MEMBERSHIP INFORMATION INQUIRY/LISTING - ON-LINE OR REPORTS

     A.   The ability to view membership information and accumulate totals using
          the following selection criteria:

          (01)  Primary Care Dentist
          (02)  Zip Code
          (03)  Age/User specified Age Range.
          (04)  Rate Code
          (05)  By benefit plan within all above mentioned criteria.
          (06)  To obtain above statistics by Group Id calculating percentage of
                totals.
          (07)  Language spoken

     B.   The ability to produce a member enrollment analysis by Plan that lists
          the total members enrolled by age group and sex within rate code.

     C.   The ability to record, track and resolve member grievances.

12. GROUP POLICY MAINTENANCE

     A.   The ability to establish effective dated policy group (i.e., employer
          group) policies to which members and benefit plan products can be
          assigned.

     B.   The ability to add/change/review/ the following policy group
          information on-line:

          (01)   Group demographics (name, address, contacts, etc.)
          (02)   Plans/Riders offered by the group.
          (03)   Billing information (billing cycle, etc.)
          (04)   Rate Codes and corresponding premiums/member capitation dollar
                 amounts for each plan assigned to the group.

     C.   The ability to assign multiple rate codes (codes that can be tied to a
          dollar premium/capitation amount) to a benefit plan.

     D.   The ability to administer the following types of policies:

          (01)  Per diems
          (02)  Discounts off a set fee schedule.
          (03)  Discounts off the provider's billed charges.
          (04)  RBRVS, RVS, Set pricing.

(C) Quality Care Solutions, Inc. -1998                            Page 29 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   30
          (05)  DRG's
          (06)  Per Unit

13. MEMBER MAINTENANCE

     A.   The ability to enroll, modify, and disenroll the following member
          information on-line:

          (01)  Demographic information(name, address, sex birthdate, etc.)
          (02)  Plan/coverage information.
          (03)  PDP.
          (04)  Coordination of benefit (COB) information.
          (05)  Medicare coverage information.
          (06)  Enrollment dates (enrollment and disenrollment dates.)
          (07)  User definable alert flags.

14. PRIMARY CARE DENTIST ASSIGNMENT

     A.   The ability to indicate when a provider is not accepting new patients
          on the provider's on-line a group by group basis on the provider's
          on-line profile.

     B.   The ability to automatically assign PDP's to a member, during
          enrollment, based on the member's zip code. (age, sex, and language)

     C.   The ability to assign a non-PDP provider to each member.

     D.   The ability to assign a Primary Care Dentist (PDP) to each member.

15.  AUTHORIZATION MANAGEMENT

     A.   The ability to add/read/modify/delete the following authorization
          (referral) information on-line:

          (01)  Authorization control number.
          (02)  Member ID number.
          (03)  Carrier ID number other than member ID.
          (04)  Referral service code (user maintainable).
          (05)  Diagnosis (presenting signs and symptoms).
          (06)  Accrued benefits relating to authorization in units
          (07)  Provider of service (Referred to provider).
          (08)  Referring provider.
          (09)  Authorized service date range.
          (10)  Authorized referral days/number of visits (units).
          (11)  Option of indicating estimate cost of service.
          (12)  Authorized cost of service.
          (13)  Operator ID number to enter the authorization.
          (14)  Operator ID number to last change authorization.
          (15)  Date of last change.
          (16)  Deny days and reason for in patient authorizations.
          (17)  Deny request for services by referral service code (w/reason).
          (18)  Emergency, non emergency, urgent care code indicator.

(C) Quality Care Solutions, Inc. -1998                            Page 30 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   31
          (19)  Screen alert for member special requirements.
          (20)  Memo/comment area capabilities.

     B.   The ability to create temporary providers who are not on the system.

     C.   The ability to automatically generate a control number to uniquely
          identify an authorization abstract.

     D.   The ability to access and display an authorization number on-line.

     E.   The ability to record, track and resolve appeals of denied services.

16. PREMIUM BILL PROCESSING

     A.   The ability to accommodate multiple tier premium structures (i.e.,
          single, family, etc.)

     B.   The ability to adjust the premium by:

          (01)  Age.
          (02)  Sex.
          (03)  Contract Group.
          (04)  Benefit Plan (rate code).

     C.   The ability to track current, historical, and future rate history and
          billing provision.

     D.   The ability to process retroactive premium billing and credits for
          enrolls, disenrolls, and changes.

     E.   The ability to accommodate COBRA billing.

17. PREMIUM BILL PRINTING

     A.   The ability to process the following billing cycles:

          (01)  Monthly.
          (02)  Bimonthly
          (03)  Quarterly.
          (04)  Semi-Annually.

18. PROVIDER MAINTENANCE.

     A.   The ability to add, change, review and delete provider demographic and
          contract information on-line.

     B.   The ability to restrict deletion of any dentist with claims,
          encounters, or referrals for that dentist.

     C.   The ability to delete terminated providers from the data file after a
          user specified period of time.

     D.   The ability to maintain two separate addresses for each provider
          (i.e., service address vs billing address.)

     E.   The ability to maintain at least one provider specialty for which the
          provider is authorized.

(C) Quality Care Solutions, Inc. -1998                            Page 31 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   32
                                    EXHIBIT B

                            CONFIDENTIALITY AGREEMENT

B 1.  AGREEMENT

The undersigned has received and will receive access to trade secrets and
confidential information subject to the terms and conditions set forth below.

B 2.  DEFINITIONS

Licensor refers to Quality Care Solutions, Inc. Licensor Product refers to a
software product and all documentation related thereto created and produced by
Licensor and its subsidiaries. Licensor Information refers to all information,
whether oral or written, manuals or on-line documentation, relating to Licensor
Products and the business operations (e.g. management, methods, finances,
customers and business plans and strategies) of Licensor and its subsidiaries,
except such information which Licensee documents (A) is or becomes generally
known to Licensor's industry through no fault of Licensee, (B) is already
rightfully known by Licensee through means other than disclosure by Licensor,
(C) is rightfully received by Licensee from a third-party having no obligation
of confidence regarding such information, or (D) is independently developed by
Licensee without breach of this Confidentiality Agreement. Licensor's use of
particular information in its Products and its business operations is
confidential, whether or not the particular information is generally known,
unless one of the exceptions applies to the fact of Licensor's use of that
particular information. A combination of information is confidential, even if
exceptions apply to parts of the combination, unless one of the exceptions
applies to the combination and its principles of operation and its economic
value.

Licensee refers to Delta Dental of Missouri, a not for profit Corporation and
its affiliates, the other party signing this Confidentiality Agreement. Licensee
Product refers to any product or service and all documentation related thereto
created and produced by Licensee and its subsidiaries. Licensee Information
refers to all information, whether oral or written, manuals or documentation,
relating to Licensee Products and the business operations (e.g. management,
methods, finances, customers and business plans and strategies) of Licensee and
its subsidiaries, except such information which Licensor documents (A) is or
becomes generally known to Licensee's industry through no fault of Licensor, (B)
is already rightfully known by Licensor through means other than disclosure by
Licensee, (C)is rightfully received by Licensor from a third-party having no
obligation of confidence regarding such information, or (D) is independently
developed by Licensor without breach of this Confidentiality Agreement.

B 3.  ACKNOWLEDGMENTS

B 3.1 Licensee Products and all techniques, algorithms, data models, stored
procedures, schema's, and processes contained therein or any modification,
extraction, or extrapolation thereof are the property and trade secrets of
Licensee. The expression thereof is also protected under the copyright laws. The
copyright notice on Licensee Products does not imply unrestricted or public
access to these materials. 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 confidentiality agreement or other written agreement
with Licensee. All rights not granted are reserved.

B 3.2 Licensor Information is the property and trade secret of Quality Care
Solutions, Inc. Licensee Information is the property and trade secret of Delta
Dental a Not for Profit Missouri Corporation.

(C) Quality Care Solutions, Inc. -1998                            Page 32 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   33
B 3.3 Both parties acknowledge that any Products or Information which may have
been disclosed prior to the Confidentiality Agreement are subject to the terms
and conditions herein.

B 3.4 This Confidentiality Agreement does not grant a license or any other right
to either party's Products or Information, except the disclosure rights
expressly set forth herein.

B 3.5 The provisions of this Confidentiality Agreement are in addition to and
not exclusive of any and all other obligations and duties set forth in the
Agreement to which this Exhibit B is attached with respect to each party's
Products and Information.

B 3.6 For the sole purpose of each party enforcing this Confidentiality
Agreement through injunctive relief, both parties acknowledges that the
unauthorized use or disclosure of each other's Products or Information would
cause irreparable harm to the respective parties. Such remedy shall not limit
the respective parties from pursuing any other remedy, in law or in equity,
available for a breach or anticipatory breach of this Confidentiality Agreement.

B 4.  DISCLOSURE TERMS

B 4.1 Licensee shall hold in confidence all Licensor Products and Information
which Licensee has received or will receive, using at least the same degree of
care as Licensee exercises for its own trade secrets.

B 4.1a Licensor shall hold in confidence all Licensee Products and Information
which Licensor has received or will receive, using at least the same degree of
care as Licensor exercises for its own trade secrets.

B 4.2 Licensee shall not disclose Licensor Products or Information which
Licensee has received or will receive, without Licensor's prior written
approval, except as set forth in Sections B 4.3 and 5 or in the Software License
and Support Agreement. Licensor shall not disclose Licensee Products or
Information which Licensor has received or will receive, without Licensee's
prior written approval, except as set forth in Sections B 4.3 and 5 or in the
Software License and Support Agreement.

B 4.3 Licensee may disclose appropriate portions of Licensor Products and
Information to such of Licensee's employees and consultants who have been
informed of Licensee's obligation to protect the intellectual property rights of
Licensor and who have a specific, legitimate need to access such portions of
Licensor's Products and Information for the purpose of evaluating Licensor and
Licensor Products. Licensee may copy the Licensor Products and Information as
reasonably necessary to accomplish such purpose with due regard for Licensee's
obligations herein (e.g. to limit use and disclosure and to return all copies).

B 4.3a Licensor may disclose appropriate portions of Licensee Products and
Information to such of Licensor's employees and consultants who have been
informed of Licensor's obligation to protect the intellectual property rights of
Licensee and who have a specific, legitimate need to access such portions of
Licensee's Products and Information for the purpose of evaluating Licensee and
Licensee Products. Licensor may copy the Licensee Products and Information as
reasonably necessary to accomplish such purpose with due regard for Licensor's
obligations herein (e.g. to limit use and disclosure and to return all copies).

B 4.4 Licensee shall notify Licensor of any breaches of security. Licensee
agrees to reproduce Licensor's copyright and proprietary notices on all copies
or transmissions of Licensor Products and Information. Licensee shall not remove
or obscure any copyright or other proprietary notices from Licensor Products or
Information. Licensee shall not take any action to reverse engineer any Licensor
Product or any part thereof. Licensee and standard reports generated

(C) Quality Care Solutions, Inc. -1998                            Page 33 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   34
from QMACS(TM) software are specifically excluded from requirements of
displaying Copyright notices of Licensor.

B 4.4a Licensor shall notify Licensee of any breaches of security. Licensor
agrees to reproduce Licensee's copyright and proprietary notices on all copies
or transmissions of Licensee Products and Information. Licensor shall not remove
or obscure any copyright or other proprietary notices from Licensee Products or
Information. Licensor shall not take any action to reverse engineer any Licensee
Products or any part thereof.

B 5.  DISCLOSURE REQUIRED BY LAW

B 5.1 If Licensee is ordered by a court or other governmental body of competent
jurisdiction to disclose Licensor Products or Information, Licensee shall not be
liable for disclosures required by such order if the Licensee reasonably
complies with the following requirements: (a) when Licensee becomes aware of
such an order or the possibility of such an order. Licensee shall immediately
notify Licensor by the most expedient means, (b) Licensee shall join a motion by
Licensor for an order protecting the confidentiality of Licensor Products or
Information, including a motion for leave to intervene by Licensor, and if an
issued order calls for immediate disclosure, Licensee shall immediately request
a stay of such order to permit Licensor to respond as set forth in
subparagraph(b).

B 5.1a If Licensor is ordered by a court or other governmental body of competent
jurisdiction to disclose Licensee Products or Information, Licensor shall not be
liable for disclosures required by such order if the Licensor reasonably
complies with the following requirements: (a) when Licensor becomes aware of
such an order or the possibility of such an order. Licensor shall immediately
notify Licensee by the most expedient means, (b) Licensor shall join a motion by
Licensee for an order protecting the confidentiality of Licensee Products or
Information, including a motion for leave to intervene by Licensee, and if an
issued order calls for immediate disclosure, Licensor shall immediately request
a stay of such order to permit Licensee to respond as set forth in
subparagraph(b).

B 6.  TERMINATION

B 6.1 Within thirty(30) days of notice or termination, Licensee agrees to
immediately return or destroy all copies of all Licensor Products and
Information as directed by Licensor and to provide written certification to
Licensor of having complied with Licensor's direction. Within thirty(30) days of
notice or termination, Licensor agrees to immediately return or destroy all
copies of all Licensee Products and Information as directed by Licensee and to
provide written certification to Licensee of having complied with Licensee's
direction. B 6.2 Licensee's obligations under this Confidentiality Agreement
shall continue for a period of five (5) years after termination of the Software
License and Support Agreement. Licensor's obligations under this Confidentiality
Agreement shall continue for a period of five (5) years after termination of the
Software License and Support Agreement.

B 7.  GENERAL PROVISIONS

B 7.1 Governing Law. This Confidentiality Agreement shall be governed by the
laws of the State of Arizona, without regard to its choice of law principles.
Licensor and Licensee consent to the personal jurisdiction of the federal courts
located in the State of Arizona.

B 7.2 Modifications to agreement. Licensor and Licensee acknowledge that neither
has been induced into this Confidentiality Agreement by any condition,
representation, or warranty not set forth in this Confidentiality Agreement. Any
modifications to this Agreement are invalid unless confirmed in a writing which
states that it amends this Agreement and which is signed by an authorized
officer of Licensee and Licensor. Any subsequent agreements are invalid unless
confirmed in a writing which is signed by an authorized officer of the Licensee
and Licensor.

(C) Quality Care Solutions, Inc. -1998                            Page 34 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   35
B 7.3 No Waiver. The failure of either party at any time to require performance
by the other party of any provision of the Confidentiality Agreement shall in no
way affect the right of such party to require performance of that provision. Nor
shall such failure be constructed as a waiver of any continuing or succeeding
breach of such provision, a wavier of the provision itself, or a wavier of any
right under this Confidentiality Agreement.

B 7.4 Partial Invalidity. If any provision of this Agreement is held invalid,
such invalidity shall not affect other provisions of this Agreement which can be
given effect without the invalid provisions. Provisions deemed to be invalid
shall be reformed to the minimum extent necessary to render them valid at such
time and, to the extent possible, in accordance with the original intent of the
parties. For example, it is the intention of the parties that, if a court deems
any provision of this contract to be invalid because of the duration of such
provision or the area or matter covered thereby, such court shall reduce the
duration, area, or matter of such provision and, in its reduced form, such
provision shall be enforced.

B 7.5 Interpretation. "Include", "includes", and "including" shall be
interpreted as introducing a list of examples which do not limit the generality
of the concept they illustrate. "Modification" to the products includes
corrections to the product, additions to the product, and translations of the
product. "Intellectual property rights" refers to patent right, copyright, or
trade secret right.

B 7.6 Notice. Any notice given pursuant to this Confidentiality Agreement shall
be in writing, shall state that it is a notice given pursuant to this
Confidentiality Agreement, and shall be sent by certified mail to the address
indicated below

IN WITNESS WHEREOF, the parties hereto have caused this Confidentiality
Agreement to be written, and the persons signing warrant they are duly
authorized to sign on behalf of their respective parties.

FOR LICENSEE:  DELTA DENTAL OF MISSOURI, A NOT-FOR-PROFIT CORPORATION.

By:                                            By:
Name:                                          Name:
Title:                                         Title:
Date:                                          Date:

FOR LICENSOR: QUALITY CARE SOLUTIONS, INC.
By:
Name:       Robert F. Theilmann
Title:      Chief Executive Officer
Address:    5030 E. Sunrise Drive,
            Phoenix AZ  85004
Date:

(C) Quality Care Solutions, Inc. -1998                            Page 35 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98
<PAGE>   36
                                    EXHIBIT C

                        FEES, RATES AND PAYMENT SCHEDULES

C 1.  INSTALLATION AND IMPLEMENTATION FEES.

C1.  INSTALLATION FEE: [Confidential treatment has been requested]

Licensee agrees to pay Licensor a [****] Installation fee for the following
services:
     a.   Installing QMACS(TM) Software upon an Approved Data Server supplied by
          Licensee.
     b.   Configuring the Licensee supplied Microsoft Windows(R) NT 4.0 server
          software and Microsoft SQL Server database software to Licensor's
          specifications.
     c.   Installation of a QMACS(TM) Software test or training database.

Licensee agrees to pay the Installation fee upon the signing of this Agreement.

C1.1 IMPLEMENTATION FEE: [Confidential treatment has been requested]

Licensor's Standard Implementation Plan consists of a work plan and respective
services the Licensor or a Certified Implementor will perform to assist Licensee
in defining, configuring, setting-up, maintaining and initial Training on the
Software for Live Operation. Licensee agrees to pay Licensor or a Certified
Implementation Partner the Standard Implementation fee of [****] dollars for the
Standard Implementation work effort assigned to the Licensor or a Certified
Implementation Partner outlined in Exhibit G - Standard Implementation Plan.
Licensee agrees to pay the Standard Implementation fee in [****] installments
commencing on the first month following the Effective Date of this Agreement.
The parties agree that changes to the Standard Implementation Plan will be
mutually agreed to in writing and fees quoted prior to the change order work
commencing.

Custom Implementation plans are not included this Agreement and Licensee has the
option of obtaining Implementation and Training services on a contract basis
from Licensor. The parties agree that a separate custom implementation agreement
detailing work to be performed and associated costs will be executed prior to
work being scheduled for custom Implementation plans.

C 2.  SOFTWARE LICENSE AND SUPPORT FEE:

In consideration for the licenses granted hereunder, Licensee hereby agrees to
pay Licensor according to the Installation, Implementation, Software License and
Support Fee schedule as defined in this Section C 2 of Exhibit C. Licensee
hereby agrees to permit Licensor electronic access to Licensee's enrollment
database monthly for the purpose of determining the count of subscribers
enrolled on the first day of the respective month for License Fee billing
purposes, if applicable. In the event Licensor is unable to determine the proper
enrollment on the first of each month, Licensee agrees to accept and pay an
estimation of Licensee Fee provided by Licensor. All estimations of monthly
License Fees will be reconciled within ninety (90) days to a corrected amount.

C 2.1 SOFTWARE LICENSE AND SUPPORT FEE SCHEDULE: [Confidential treatment has
      been requested]

Licensee agrees to pay Licensor monthly Software License and Support Fees for
using the QMACS(TM) Software in managing and administering Licensee's prepaid
dental business. The minimum Software License and Support Fee will be the
greater of [****] per subscriber per month ("PSPM") up to [****] Subscribers.
In addition, Licensee agrees to pay Licensor monthly.

(C) Quality Care Solutions, Inc. -1998                            Page 36 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98

                    **** - Confidential Treatment Requested
<PAGE>   37
 according to the following Per Subscriber Per Month (PSPM) fee schedule over
[****] monthly Subscribers to the respective level of Subscribers as follows:

$ [****] Per Subscriber Per Month ("PSPM") over [****] subscribers per
month.
$ [****] Per Subscriber Per Month ("PSPM") from [****] subscribers per
month.
$ [****] Per Subscriber Per Month ("PSPM") from [****] subscribers
per month.

If requested by Licensee, during the term of this Agreement, the Licensor agrees
to negotiate in good faith on a PSPM rate over one million subscribers per month
and agrees that the over one million-subscriber rate will be less than $0.08
PSPM under the terms and conditions of this Agreement.

Licensee agrees the minimum Software License and Support Fee or PSPM Software
License and Support Fee is payable beginning the sixth (6th) month following the
Effective Date of this Agreement and due monthly thereafter. The PSPM Software
License and Support Fee will be due during any acceptance test period completed
in a live or production environment.

The above fees are cumulative up to the respective total number of Licensee's
active Subscriber enrollments being administered using QMACS(TM) software.

C 2.2 SUPPORT AND SERVICE UNITS.

Licensee will accrue the Service Units for Standard Support Services as defined
in Article IV on a monthly basis as follows:

One (1) Service Unit per [****] Subscribers up to [****] Subscribers and one
half (1/2) Service Unit [****] Subscribers over [****] Subscribers up to [****]
Subscribers. The minimum Service Units allocated for Support Services is [****]
Service Units per Month.

Example: A 500,000-subscriber plan would accrue the following service units:
                  First [****] Subscribers = [****] Service Units per month.
                  Next [****] Subscribers  = [****] Service Units per month

        MONTHLY SERVICE UNITS ACCRUED TOTAL   [****] SERVICE UNITS PER MONTH

Service Units are accrued on a monthly basis and must be used by the end of the
annual anniversary of the Effective Date of this Agreement. Service Units
accrued will not be carried over to Agreement renewal periods.

Additional Service Units can be purchased according to the following service
               unit fee schedule:
               The rate for one service unit is [****].
               The rate for a 10 Service Unit block is $ [****]
               The rate for a 25 Service Unit block is $ [****]
               The rate for a 50 Service Unit block is $ [****]
               The rate for a 100 Service Unit block is $ [****]

Service units quoted are experience, skill and complexity adjusted. Generally, a
base service unit is equivalent to one (1) person hour of work but will be
adjusted for the skill and experience level of the person selected or required
to do the work. More experienced and senior level consultants or very complex
tasks will be quoted from one and one-half (1 1/2) to three times (3) the base
service units per person hour.

(C) Quality Care Solutions, Inc. -1998                            Page 37 of  49
This document is Company Confidential - Reproduction is prohibited.

                    **** - Confidential Treatment Requested
<PAGE>   38
C 2.3  VALUED PARTNERSHIP PROGRAM: [Confidential treatment has been requested]

The parties recognize the value of their partnership and have agreed to a Valued
Partnership program. The Licensee will use its best efforts in: (a) arranging
and hosting site visits for Licensor's prospects; (b) participating and
providing input at Joint Application Design (JAD) sessions conducted by
Licensor; (c) agreeing to be featured in promotional activities, press releases
and case studies of Licensor products without additional compensation or
economic benefit; (d) allow Licensor's staff to observe and train in Licensee's
operation as a real world training laboratory. In consideration for
accomplishing the foregoing valued partner program activities, Licensor agrees
to reduce the total monthly PSPM Software License and Support fee charges as
follows for every month Licensee participates in one or more of the above
activities at the request of the Licensor:

     First year from live date [****] reduction of the total monthly PSPM
     charges
     Second year from live date [****] reduction of the total monthly PSPM
     charges
     Third year from live date [****] reduction of the total monthly PSPM
     charges
     Fourth year from live date  [****] reduction of the total monthly PSPM
     charges
     Fifth year from live date [****] reduction of the total monthly PSPM
     charges

C 3. LATE PAYMENT AND INTEREST:

If Agreement Fees are not paid within 30 days of invoice date, Licensee agrees
to pay a late payment penalty of five (5) percent of the Agreement Fees due in
addition to the Agreement Fees. Licensee agrees any payment under this Exhibit C
which is more than thirty (31) days late will accrue interest at the rate of
Twelve (12%) percent per annum (or the highest rate of interest allowed by
applicable law if lower) until paid in full. Licensor shall have the right to
suspend all its obligations under this Contract in the event that any payment is
more than forty five (45) days late. Licensor agrees to notify Licensee in
writing at least 15 days prior to suspending its obligations for late or non
payment. Notices of intent to suspend obligations will be delivered in
accordance with Exhibit E. In the event that Licensee determines in its
reasonable judgment that a billing error has occurred. Licensee must notify
Licensor in writing within thirty (30) days of receipt of such erroneous items.
Licensee agrees to pay all undisputed items on an invoice which may have
disputed items contained thereon. Licensor agrees that no late payment penalty
shall be applicable for contested invoice items until thirty (30) days following
Licensor's response to Licensee's notice of billing error.

C 4.  CONSULTING FEES:

Licensor agrees to provide technical consulting to Licensee upon request of an
authorized executive of the Licensee's organization in writing on a quoted time
and material basis.

C.5  TRAINING AND SUBSEQUENT TRAINING FEES:

Licensor or Certified Implementation Partner agrees to provide initial Training
to Licensee during the Implementation of the Software as defined in Article IV
paragraph 4.3 as a component of the Implementation fees outlined Exhibit C
paragraph C1.1. Licensee and Licensor agree to a mutually acceptable training
schedule. Licensee agrees to request additional Training in writing. Licensee
Service Units may be used for additional Training.

C 6.  HARDWARE CONFIGURATION:

Licensor agrees to provide Licensee reasonable hardware configuration consulting
necessary to operate Licensor's software products on Licensee's Approved
Hardware and as defined in Exhibit G - Standard Implementation Plan.

C 7.  DELIVERY AND  INSTALLATION:

Licensee agrees to the following terms and condition of the Licensor if the
Licensee requests or hires the Licensor to act as an agent to procure, set-up or
install computer hardware and equipment on behalf of the Licensee. Vendor's
Hardware and Operating system refers to

(C) Quality Care Solutions, Inc. -1998                            Page 38 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98

                    **** - Confidential Treatment Requested
<PAGE>   39
computers, operating system software, database software listed in Exhibit D to
be procured from a third-party supplier on behalf of the Licensee.
C 7.1 The "delivery date" for each item of Vendor's Hardware and Operating
system software listed in Exhibit D shall be the date on which Licensor delivers
and fully installs the specific item of hardware at location specified in
Exhibit E.

C 7.2 Shipment of the Vendor's hardware and software shall be F.O.B. the
location specified in Exhibit E. All freight and handling charges on the
hardware and operating system software shall be the responsibility of the
Licensee.

C 7.3 The Licensee is responsible to ensure all wiring, environmental, safety
codes and equipment manufacturer's installation specifications are met prior to
installation. The Licensee agrees to pay or reimburse Licensor for additional
costs incurred as a result of unsatisfactory installation preparation,
practices, procedures or site conditions corrected by Licensor.

C 7.4 Title to Vendor's Hardware and operating system software shall pass to
Licensee at the F.O.B. Point, but subject to a security interest until the date
the Licensee has fully paid for the Hardware and operating system software.

C 8. TRAVEL AND EXPENSE GUIDELINES.
Licensee agrees to reimburse or pay Licensor for reasonable travel, meals,
lodging, per diem expenses which are incurred by Licensor on Installation,
Implementation, Training, maintenance, support, consulting at the Licensee's
office or location defined in Exhibit E or if Licensee's work location is in
excess of fifty(50) miles of Licensor's main office within 15 days of receipt of
invoice for reimbursement of expenses. Licensor agrees to provide receipts and
reasonable documentation of expenses to Licensee for expense reimbursement.

(C) Quality Care Solutions, Inc. -1998                            Page 39 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98

<PAGE>   40
                                    EXHIBIT D

                           HARDWARE/SOFTWARE ELEMENTS

The following is the standard computer specification necessary to operate
Licensor's QMACS(TM) software system. Utility software, operating system
software, database software and hardware equipment procurement are Licensee's
responsibility: This includes all Microsoft software:

DATABASE SERVER SPECIFICATIONS:
          Digital Alpha 4100 5/300
          2 5/300 CPU - 4Mb Cache RAM for CPU
          512 Mb RAM
          1 x 2 GB System Disk
          2 x 3 Channel Ultra Fast and Wide SCSI II Raid 0&1 PCI
          32 Mb (minimum) Cache RAM per Controller
          34 x 2GB Ultra Fast Wide SCSI II Drives
          5,6,6 SCSI Channel set-up
          4 x 8 GB RAID 0 & 1 Set-with 1 per controller
          CD -ROM - SCSI
          1 Mb Video Card
          Ethernet Card (Twisted Pair-100MBt) PCI
          15" SVGA Monitor
          56kb baud external modem
          UPS large enough to handle all servers for 30 minutes
          DLT or 8mm Tape Drive - Arc-Serve back-up software recommended
          Microsoft NT Server 4.0
          Microsoft Backoffice

DOMAIN CONTROLLER HARDWARE:
          Pentium Pro 200 MHz Computer With PCI Bus certified for Windows NT 4.0
          2 - 200Mhz Pentium Pro CPU's w/ 512 Cache RAM per CPU
          256 Mb RAM
          1 x 1 Channel Ultra Fast and Wide SCSI II Raid 5 PCI
          4 MB Cache RAM per controller
          2 x 2 GB Ultra Fast Wide SCSI II Drives
          3,3,2 SCSI Channel Set-up
          1 x 12 GB RAID 5 set - with 1 hot swap
          6 GB SCSI Hard Disk Capacity with SCSI Controller
          CD -ROM - SCSI
          1 Mb Video Card
          100 Base TX PCI Ethernet Card (Twisted Pair-100Bt)
          15" SVGA Monitor
          Network Hubs with respective Ports for the total number of clients
          2 - WAN Routers - T-1 Frame Relay or higher speed - 1 Licensee and 1
              Licensor
          Microsoft NT Server V 4 or higher
          Microsoft Backoffice
          Crystal Reports Infoserver

        RECOMMENDED MINIMUM SYSTEM CONFIGURATIONS FOR QMACS(TM) SOFTWARE
               (See Also Recommended Hardware Specification below)

PROVIDER, MEMBER SERVICES STAFF RUNNING PRIMARILY QMACS(TM) :

(C) Quality Care Solutions, Inc. -1998                            Page 40 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98
<PAGE>   41
Work Station Configuration
          Pentium 166 Mhz or higher Computer - PCI Bus
          64 MB RAM
          1.2 GB Hard Disk Drive
          3.5 in Floppy Drive-(Optional)
          PCI Video
          15" SVGA Monitor
          10/100 MB Ethernet Network Card
          Windows NT Workstation V 4.0 or higher
          Windows Back Office V2.5 or higher Client License

CLAIMS ENTRY, ADJUDICATION, , PRIOR AUTHORIZATIONS, PAYMENT, DEPT. HEADS,
DIRECTORS RUNNING PRIMARILY QMACS(TM):
          Work Station Configuration
          Pentium 200 Mhz or higher Computer - PCI Bus
          64 Mb RAM
          2.0 GB Hard Disk Drive
          3.5 in Floppy Drive
          PCI Video
          15" SVGA Monitor
          10/100 Mb Ethernet Network Card
          Windows NT Workstation 4.0
          Windows Back Office Client License

FINANCIAL ANALYSTS, REPORTING, RUNNING PRIMARILY QMACS(TM):
Work Station Configuration
          Pentium II 233 Mhz or higher Computer - PCI Bus
          64 Mb SDRAM
          3.0 GB Hard Disk Drive (Ultra DMA/33)
          3.5 in Floppy Drive
          PCI or AGP Video
          17" SVGA Monitor
          10/100 Mb Ethernet Network Card
          Windows NT Workstation V 4.0 or higher
          Windows Back Office Client License

CLERICAL STAFF RUNNING PRIMARILY E-MAIL AND MS OFFICE:
Work Station Configuration
          Pentium 166 Mhz or Higher Computer - PCI Bus
          48 MB RAM
          2.0 GB Hard Disk Drive
          3.5 in Floppy Drive
          PCI Video
          15" SVGA Monitor
          10/100 MB Ethernet Network Card
          Windows NT Workstation V 4.0 or higher
          Windows Back Office Client License

                HARDWARE RECOMMENDATIONS FOR CLIENT WORKSTATION.
                                   MOTHERBOARD
Pentium Motherboards Must have Intel 82430TX or 82430HX PCISet (PCI Chip Set)
Pentium Pro Motherboards Must have Intel 82440FX or 82450 PCISet (PCI Chip Set)
Pentium II Motherboards Must have Intel 440LX AGPSet (PCI Chip Set)

(C) Quality Care Solutions, Inc. -1998                            Page 41 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98
<PAGE>   42
Preferably Expandable to 128 MB of Memory
Capable of using EDO Memory or SDRAM Memory
Capable of using Pipeline Burst L2 Cache RAM
Minimum of 3 PCI Slots
Motherboard MUST use INTEL Pentium, Pentium II, or Pentium Pro Processor
Two serial and one parallel port
All Extra Features MUST be Windows NT 4.0 compatible

                                   VIDEO CARD

Must use a Windows Video Accelerator that has available drivers for Windows NT
   4.0
Must have a least 1-MB of DRAM, VRAM, or EDO RAM expandable to at least 2 MB
Must be a PCI Card (or use the PCI Interface if built into the motherboard) or
   AGP
Must support the following resolutions
640 x 480      256 Colors     72 Hz Refresh
800 x 600      256 Colors     72 Hz Refresh
1024 x 768     256 Colors     72 Hz Refresh

                                     NETWORK

Ethernet Network Card with available Windows NT 4.0 Drivers
Bus Mastering PCI Card (or use the PCI Interface if built into the motherboard)
Must have an Unshielded Twisted Pair Connector. Must support 10 Base-T.
   Preferably 10/100
Auto Sensing/Switching
Network cabling should be CAT-5 minimum depending on the hub.

                            HARD DISK AND CONTROLLER
Must have available drivers for Windows NT 4.0
Hard Disk should have a Seek Time of 10 ms or better and a Data Transfer Rate
Higher than 10 MB/s
Hard Disk should be branded Fast-ATA2, EIDE, Ultra DMA/33, Fast SCSI II, Fast
Wide SCSI II, or Ultra SCSI
Controller must be a PCI Card (or use the PCI Interface if built into the
motherboard)
3 -1/2 inch floppy drive

                                     MONITOR
Minimum of 15 Inch Color Display, optionally 17 Inch Color Display
Maximum of .28 dot pitch (grille aperture) or lower
Must support and resolve 1024 x 768 resolution at 72 Hz Refresh

                                SYSTEM AMENITIES
CD Rom strongly recommended
PS/2 keyboard and mouse connectors recommended

OPTIONAL CLIENT SOFTWARE:
Crystal Reports V6.0 or higher - Report Writing Tool
MS Office Professional v7.0 or higher - Office Productivity Tools- Word, Excel,
   Powerpoint
Microsoft Net Meeting V 2.1 or higher or PC Anywhere32 V8.0 - Remote Computing
   Tool

(C) Quality Care Solutions, Inc. -1998                            Page 42 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98
<PAGE>   43
                                    EXHIBIT E

                              LOCATION AND NOTICES:

Location for Licensee's Initial Installation of QMACS(TM) software and Approved
Hardware(s) will be listed below. The Parties agree that Licensee anticipates a
move to a new location and the new location will be substituted and covered
under this Agreement. Licensee will provide sixty (60) days prior written notice
to Licensor.

Any notices required or permitted hereunder shall be sufficiently given if sent
by registered or certified mail, postage prepaid, addressed or delivered as
follows:

                                    NOTICES:

A.  TO LICENSOR:       Quality Care Solutions, Inc.
                       5030 E. Sunrise Drive
                       Phoenix, AZ  85044
                       Attention:  Mr. A. Bruce Oliver

B.   TO LICENSEE:      Delta Dental of Missouri
                       8390 Delmar Boulevard
                       St. Louis, MO  63124
                       Attention: Mr. Steve P. Gaal III

(C) Quality Care Solutions, Inc. -1998                            Page 43 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98
<PAGE>   44
                                    EXHIBIT F

                       STANDARD SUPPORT AND RELEASE POLICY

         1. Released software will only be modified to handle problem fixes, not
         enhancements.

         2. Problems will be classified as: critical, severe or minor.
              A critical problem is a problem (Material Non-Conformity) that
              prevents a major function from working or causes data integrity
              issues or any operation of the Software which causes material
              erroneous data or unrecoverable data loss due to the execution of
              the Software's Applications. A critical with workaround problem is
              a problem (Material Non-Conformity) that is not working according
              to specifications or documentation for which a work around has
              been developed to prevent disruption of operations.

              A severe problem is a problem that prevents a non-major function
              from working and for which there is no workaround.

              A minor problem is a problem that is an annoyance but does not
              prevent a non-major function from working or there is a
              workaround.
                  a) Example of a critical problem: Cannot adjudicate any claim,
                  cannot add or modify a provider, can't add or modify an
                  enrollment, etc.

                  b) Example of a severe problem: Cannot add a new licensing
                  board to the credentialing module.

                  c) Example of a minor problem: Authorization history does not
                  refresh when a new authorization is issued.

         3. Every attempt will be made to turn around critical problem fixes
         within two (2) working days of duplication. Every attempt will be made
         to turn around critical workaround problems for which there is a
         workaround and does not cause stoppage of operations within eight (8)
         working days.

         4. Severe problem fixes will be supplied within 30 working days.

         5. Minor problem fixes will be released at the next major release.

         6. Licensor's Customer service representative will be responsible for
         clearly distinguishing between a problem fix and an enhancement to the
         Licensee.

         7. Enhancements require scheduling for design, development, testing,
         documentation, release notes and training before they can be released
         into a production environment for Licensee use.

         8. Software released before testing, documentation, release notes and
         training phases are complete is classified as 'beta test' software.
         Beta test software will require beta test agreements to be signed and
         approved by Licensee before the beta test software will be released for
         use by the Licensee.

(C) Quality Care Solutions, Inc. -1998                            Page 44 of  49
This document is Company Confidential - Reproduction is prohibited.

04/28/98
<PAGE>   45
         9. All Software released for use or testing by Licensee shall be placed
         in an agreed upon location on the Licensee's application server for
         appropriate disposition by Licensee.

         10. The use and maintenance of an application test environment shall be
         the sole responsibility of the Licensee.

         11. Licensee shall be responsible to insure that all Licensees' users
         are using the latest released version of the Software before reporting
         problems to Licensor.

(C) Quality Care Solutions, Inc. -1998                            Page 45 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   46
                                    EXHIBIT G

                     QMACS(TM) STANDARD IMPLEMENTATION PLAN

Licensor shall be responsible for the initial Installation of QMACS(TM) Software
and database software on the Approved Data Server and made operational on the
Approved Data Server at one Licensee location only. Licensee shall cooperate
fully with Licensor in such Installation and Implementation. The Implementation
shall proceed in accordance with a mutually acceptable Implementation schedule.
Licensor shall provide consulting support for the configuration of the operating
system and database initialization. Licensee acknowledges responsibility for all
third-party software procurement, licensing and Implementation. Consulting
services requested or required in addition to Standard Implementation Plan
services may only be charged for upon written mutual agreement of both parties
for such additional services.

Licensee and Licensor agree Licensor will highlight and discuss with Licensee
any functional area or business process that cannot be accomplished in the
QMACS(TM) Software during the needs analysis section of the Implementation
phase. Licensor will document and present to Licensee options or alternative
workarounds for those functional exceptions that cannot be accomplished without
modification to the QMACS(TM) Software. Licensor will present a Business Process
Improvement (BPI) document to the Licensee detailing the modification
specification, cost and timeframe to develop proposed Enhancement to the
QMACS(TM) Software needed to accomplish the exception.

Both parties have agreed to the following Standard Implementation Plan and each
party will be responsible for performing their respective duties as assigned
under the Standard Implementation Plan. Licensee and Licensor agree that any
changes or waivers to the Standard Implementation Plan will be in writing and
agreed to before the change-taking place.

The Standard Implementation Plan consists of the following seven (7) phases and
a maximum of [****] of work effort. The Implementation fee as defined in Exhibit
C section 1.1. for this Standard Implementation Plan is for the Implementation
of one line of business. It is agreed, the work effort allocation for each phase
may be adjusted at the discretion of the Licensor after the assessment phase.
The following phases will be conducted in parallel.

<TABLE>
<CAPTION>
     PLAN PHASE                         WORK EFFORT IN DAYS         WORK EFFORT IN PERSON HOURS
     ----------                         -------------------         ---------------------------

<S>                                     <C>                         <C>
ASSESSMENT/PROJECT PLAN                       [****]                     [****]

CONFIGURATION/CONNECTIVITY                    [****]                     [****]

DATA LOAD/SET-UP                              [****]                     [****]

ACCEPTANCE/VALIDATION                         [****]                     [****]

NEEDS ANALYSIS                                [****]                     [****]

TRAINING                                      [****]                     [****]

TRANSITION SUPPORT                            [****]                     [****]

         Total                                [****]                     [****]
</TABLE>

(C) Quality Care Solutions, Inc. -1998                            Page 46 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98

                    **** - Confidential Treatment Requested
<PAGE>   47
                                    EXHIBIT H

                      LISTING OF QMACS(TM) STANDARD REPORTS

<TABLE>
<CAPTION>
            REPORT CATEGORY                          REPORT NAME
<S>                                    <C>
         Active Enrollments            Enrollment Count by Program by Age Group
                                       Member Months by County By Program By Rate Code
                                       Members with Active, Unrestricted Medical Enrollments
         Adjudication                  Claim Lines Denied During Adjudication
                                       Claims that Failed for Pay-to / Contract Issues
                                       Claims that Failed Mass Adjudication
         Audit                         Inactive Providers Listing by Type of Provider
                                       Members Assigned to a Termed PCP
                                       Members with Duplicate SSN's
                                       Members with no Head Of Household
                                       Overlapping PCP Assignments
                                       Provider Affiliation Error Listing
                                       Providers without a Contract
                                       Providers without a Specialty
                                       Suspect Duplicate Members
                                       Unassigned PCP Enrollment Roster
         Capitation Services           Capitation Summary Counts by Date by Provider
                                       Provider Capitation Roster
         Claim Processing              Claim Detail with Member Totals
                                       Claims Aging Report By Program By Member
                                       Claims in a PAY Status by Provider
                                       Claims In-Process Over 90 Days
                                       Paid Claims By Dos By Provider
                                       Pended Claims Report
                                       Provider Aged Claims Report
                                       Provider Claims Detail Report for Claims In Process
                                       Provider Claims Report for Claims In Process
                                       Provider Claims Summary for Claims Not in a Pay Status
                                       Temporary Provider Listing with Claims Outstanding
                                       Daily Claims Production Report
                                       Summary of Claims Entered by User Initials by Date
                                       Weekly Claims Production Report
         Contract Services             Benefit Plan List
                                       Benefit Plans by Organization
                                       Category of Expense Mapping
                                       Contract and Terms Setup
                                       Group Codes
         Financial Reports             Check Register Ordered by Date
                                       Incurred But Not Reported
                                       Received Date to Paid Date Lag Report, Count and Amt.
</TABLE>

(C) Quality Care Solutions, Inc. -1998                            Page 47 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   48
<TABLE>
<CAPTION>
            REPORT CATEGORY                          REPORT NAME
<S>                                    <C>
         Letters                       Prior Authorization Approval Letter
                                       Prior Authorization Denial Letter
         Medical Management            Daily Inpatient Census By Facility By Pay-To
                                       Daily Shared Risk Census By Facility By Pay-To
                                       Emergency Room Census
                                       Emergency Room Pay To by Facility
                                       EPSDT Labels
                                       Immunization Report for Procedure Codes 90701 - 90748
                                       Referral Summary With Cost Estimates
                                       Referrals Assigned to Temp Providers with Incomplete Status
                                       Referrals Issued by Week by User
                                       Termed Members With Open Authorizations
                                       Well Baby Immunization Report
         Member Month Reporting        Emergency Room per 1000 Report
                                       Inpatient Per 1000 Report
         Member Services               Active Member List by Zip Code
                                       Enrollment Count Report
                                       Member Labels by Member Name
                                       Member Labels By Member Name tied to a PCP
                                       Member Labels By Zip By Member Name
                                       Member Labels By Zip By Member Name tied to a PCP
                                       Temporary Member List
         Policies                      Active Policy Review Report
         Provider Services             Provider Affiliation Count by Program
                                       Provider Detail List by Program
                                       Provider Listing with Payment Information
                                       Temporary Provider Listing
         Remits                        Claim Detail Report for Balancing Remits
                                       Provider Remittance Advice by Fund
                                       Provider Remittance Advice By Payee
         Rosters                       Affiliate Roster
                                       Pcp Roster
         Year End - 1099               1099 Affiliate Report
                                       1099 Audit Report
                                       1099 Duplicate Federal Tax ID Report
                                       1099 Payment Detail Report
                                       1099 Payment Summary Report
</TABLE>

(C) Quality Care Solutions, Inc. -1998                            Page 48 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98
<PAGE>   49
                        TRADE SECRET AND COPYRIGHT NOTICE

Any 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
Quality Care Solutions, Inc.

The 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 License
Agreement or other written permission of Quality Care Solutions, Inc.

Quality Managed Care Solutions(TM) and QMACS(TM) are trademarks of Quality Care
Solutions, Inc. Microsoft Windows(R) NT(TM), Exchange(TM), Backoffice(TM) ,
Visual Basic, Visual C++(TM), Office97(TM) SQL Server(TM) are trademarks of
Microsoft Corporation. AlphaServer(TM) is a trademark of Digital Equipment
Corporation. Pentium and Pentium Pro are trademarks of Intel Corporation.
Crystal Reports and Crystal Infoserver are trademarks of Seagate Technologies
Inc.

All other company, brand, and/or product names that appear in this document are
trademarks or registered trademarks of their respective owners.

(C) Quality Care Solutions, Inc. -1998                            Page 49 of  49
This document is Company Confidential - Reproduction is prohibited.
04/28/98<PAGE>   1
                                                                   Exhibit 10.12

                     OUT-SOURCED INFORMATION SYSTEM SERVICES

This Agreement is entered into by and between Pima County, a body politic and
corporation of the State of Arizona, herein called "COUNTY", on behalf of Pima
Health Systems, herein called "PLAN", and Digital Sciences Inc., hereinafter
called "COMPANY" located at 303 S. Southgate, Suite 1, Chandler, AZ 85226.

                                    RECITALS

         WHEREAS, COUNTY provides medical and non-medical services through PLAN
         pursuant to a contract with the Arizona Health Care Cost Containment
         System (AHCCCS), the Arizona Department of Economic Security (DES), and
         the Arizona Long Term Care System (ALTCS), and
         WHEREAS COUNTY requires information services to manage said medical and
         non-medical services, and
         WHEREAS, COUNTY has issued RFP #002-95 and this Agreement is pursuant
         to that RFP;
         NOW THEREFORE, the parties agree to the following:

                                ARTICLE I - TERM

The term of this Agreement shall be from January 8, 1996 to December 31, 1998
unless sooner terminated or further extended pursuant to the provisions of
Articles XVII, XVIII or XXI of this Agreement.

                          ARTICLE II - RESPONSIBILITIES

This Agreement shall be for the provision of Out-Sourced Information System
Services as outlined in RFP #002-95, addenda, COMPANY response and Best and
Final Offer submissions. Attachment A summarizes the mutually agreed upon
deliverables and time frames required of COMPANY and PLAN for the Information
System Services.

Responsibilities of COMPANY

A.       COMPANY shall comply with provisions of federal laws and regulations
         governing the TITLE XIX program (AHCCCS) except for those requirements
         waived for the State of Arizona by the Federal Government. COMPANY
         shall comply with the provisions of ARS Section 36-2901 et. seq.,
         governing AHCCCS and with all applicable regulations promulgated by the
         AHCCCS Administration (AHCCCSA).

B.       COMPANY agrees to design, develop, implement and maintain current, at
         no additional cost to PLAN, all AHCCCSA, DES and Federal compliance
         changes, or updates, required of PLAN including the current technical
         requirements contained in the
<PAGE>   2
         AHCCCS CONTRACTED HEALTH PLAN TECHNICAL INTERFACE GUIDELINES, and
         AHCCCS ENCOUNTER REPORTING USERS MANUAL, or other technical memoranda
         as provided in writing by AHCCCSA. Initial copies are included in
         APPENDICES II and III of RFP #002-95.

C.       COMPANY shall have completed the end of month processing cycle no later
         than two (2) business days from the date of COMPANY's receipt of PLAN's
         input data, receipt being when said input data is in the possession of
         an employee or sub-contractor of COMPANY.

D.       COMPANY agrees to provide PLAN, by project start date, a written
         implementation and conversion plan with dates and responsibilities of
         COMPANY and PLAN for the inception of charges in ATTACHMENT A.

E.       COMPANY shall provide samples of all existing QMACS(TM) reports.
         Delivery of such sample reports shall coincide with the project start
         date under this Agreement.

F.       COMPANY shall provide a full time Account Manager to be located at the
         PLAN site. PLAN shall provide functional office space and furniture,
         local telephone service, and basic office supplies for such staff.
         COMPANY shall be responsible for all personnel, hardware, software, and
         long distance telephone costs. COMPANY shall allow PLAN to interview,
         provide input and establish a working relationship with COMPANY
         proposed Account Manager. Start date for on-site COMPANY Account
         Manager shall be no later than February 1, 1996.

G.       COMPANY Account Manager will be a knowledgeable COMPANY staff person
         experienced in both healthcare and QMACS(TM) software. COMPANY Account
         Manager will be capable of fostering the relationship between the PLAN
         and COMPANY, providing effective communication and customer service,
         representing COMPANY in internal operations and directions, advising
         and coordinating software development, and managing COMPANY'S daily
         operations at PLAN site. COMPANY Account Manager will provide these
         services full-time at PLAN site upon initial payment under this
         Agreement through completion and PLAN acceptance of all RFP #002-95
         requirements. After that time, COMPANY Account Manager will always be
         available to the PLAN but maintenance responsibilities may be delegated
         to COMPANY SUBORDINATES to be supervised by COMPANY Account Manager.

H.       COMPANY shall provide installation of a current version of QMACS(TM)
         system at PLAN site. Initial installation of QMACS(TM) system shall
         coincide with project start date under this Agreement and will be
         operable on at least one stand alone PLAN computer.

I.       COMPANY shall provide complete and current QMACS(TM) relational
         database schemas and all documentation required to use all ad hoc
         report writing tools. Such documentation shall include the QMACS(TM)
         relational database schema and all supporting documentation detailing
         all columns (fields) and tables (files) with data element type, size

                                       2
<PAGE>   3
         and attribute defined for each database. Delivery of documentation
         shall coincide with project start date under this Agreement. COMPANY
         shall provide timely updates to the data dictionary, schema and all
         supporting documentation.

J.       COMPANY shall provide within 30 calendar days of project start date
         initial QMACS(TM) system and ad hoc report writing tool training,
         including Task Manager, CRYSTAL(TM) report writer and existing reports,
         and electronic mail/ scheduling.

K.       COMPANY shall be responsible to convert PLAN's existing active
         provider, member, enrollment, prior authorization and claims data to
         the extent necessary to enable normal operations using the QMACS(TM)
         software. Historical inactive provider, member, enrollment prior
         authorization and claims data for the 24-months preceding the live date
         shall be converted to production tables. Up to 36 months of historical
         data not converted to production tables will be warehoused in current
         record format in appropriate warehouse files with CRYSTAL(TM) access.
         Any additional conversion shall be charged at COMPANY's normal hourly
         rates for data conversion as specified in ATTACHMENT A.

L.       COMPANY agrees not to charge extra or separately for inactive members
         maintained on the system.

M.       COMPANY shall provide an emergency communication system as a "HOTLINE"
         twenty-four (24) hours a day, seven (7) days a week for trouble
         shooting and emergency situations through the duration of this
         Agreement. PLAN will be prior notified of a change to the communication
         system. If the communications system becomes disabled due to equipment
         failure, COMPANY will notify PLAN within two (2) hours of an alternate
         system.

N.       COMPANY shall provide complete and up to date QMACS(TM) system user
         documentation. Such documentation shall also include all PLAN specific
         enhancements. COMPANY shall provide timely updates to such
         documentation. COMPANY shall provide the PLAN with such documentation
         no later than the end of parallel processing.

O.       COMPANY agrees to provide, at no additional cost to PLAN, the necessary
         information processing interface for pharmacy claims management to
         include membership, provider and claims data transmissions and
         management reports.

P.       COMPANY shall provide and maintain current, at no additional cost to
         PLAN:

         1.       A National Drug Code (NDC) reference file.

         2.       A reference file containing International Classification of
                  Diseases (ICD-9) diagnosis and procedure codes.

         3.       A procedure code reference file containing the Health Care
                  Financing Administration Common Procedure Coding Scheme
                  (HCPCS), the American

                                       3
<PAGE>   4
                  Medical Association Physician's Current Procedural Terminology
                  (CPT-4) and AHCCCS specific procedure codes. COMPANY shall
                  also provide the PLAN the ability to maintain PLAN specific
                  procedure codes.

         4.       A reference file containing the AHCCCSA Fee for Service
                  Pricing schedule.

Q.       COMPANY shall provide, at no additional cost to PLAN, planning,
         development, and implementation required to accept and adjudicate
         electronic submissions of claims data. Such development shall include
         all management reports required by PLAN and the file format for Kino
         Community Hospital. Any new submissions will be in a mutually agreeable
         format. PLAN will provide resources to interpret incoming format.

R.       COMPANY shall provide a written cost estimate, at no additional cost to
         PLAN, for PLAN approval prior to performing any work, not included in
         the PMPM Base Fee.

S.       COMPANY shall provide consistent representation at AHCCCSA technical
         meetings upon AHCCCSA and/or PLAN request.

T.       COMPANY shall sponsor periodic user group meetings for the QMACS(TM)
         system and ad hoc reporting tools.

U.       COMPANY agrees to provide tape transmissions at no cost to PLAN. Tape
         transfers will be charged on a cost pass-through basis for courier
         service and media.

Responsibilities of PLAN

A.       PLAN shall be responsible for utilizing the QMACS(TM) Managed Care
         Administrative software in accordance with written documentation
         provided by COMPANY.

B.       PLAN shall enter all data required for correct operation of QMACS(TM)
         Managed Care Administrative software at PLAN's expense.

C.       PLAN shall provide to COMPANY, in a mutually acceptable form, the data
         and materials as agreed by PLAN and COMPANY to enable COMPANY to
         provide the services called for by this Agreement.

D.       PLAN is solely responsible for the accuracy and timeliness of such
         information. If the data and materials submitted by PLAN are incorrect,
         or not in the form mutually agreed upon by COMPANY and PLAN for
         processing, COMPANY costs may be charged to PLAN in accordance with
         ATTACHMENT A.

E.       PLAN shall be solely, financially responsible for payment of all PLAN
         claims processing through QMACS(TM) software. PLAN shall be responsible
         for the timely processing of all claims in accordance with all Federal,
         State and County regulations.

                                       4
<PAGE>   5
F.       PLAN shall be responsible for providing COMPANY all data to be
         converted in a format useable by COMPANY for conversion, and provide
         full and complete technical documentation of the format(s) of all data
         to be converted. PLAN shall provide at PLAN expense personnel familiar
         with the existing data format and definition to assist COMPANY during
         conversion process. Quality Assurance of data to be converted will be
         the responsibility of PLAN.

G.       PLAN shall promptly provide COMPANY with copies of documents and other
         material communications from AHCCCSA that affect the service provided
         by COMPANY under this Agreement.

H.       PLAN shall be responsible for responding to and updating the AHCCCSA
         Encounter Pend Tape in a timely manner.

I.       PLAN agrees to provide appropriate representation at COMPANY training
         and design sessions applicable to PLAN.

J.       PLAN acknowledges that COMPANY's software is rule-based and PLAN is
         responsible for the accurate data definition and set-up of Provider
         Contracts and Benefit Plans according to COMPANY supplied documentation
         and training. PLAN is responsible for all errors and sanctions as a
         result of improper data set-up.

      ARTICLE III - REIMBURSEMENT [Confidential treatment has been requested]

PLAN shall reimburse COMPANY on the schedule of charges contained in ATTACHMENT
A.

Total payment for the term of this Agreement shall not exceed [****] unless a
duly executed amendment has been signed by COMPANY and COUNTY.

                           ARTICLE IV - PAYMENT METHOD

Prices

The prices set forth in the Agreement are only for the services as specified in
Pima County PFP #002-95. Any enhancements (software modification and program
development costs that are unique to PLAN's requirements) additions or changes
to the work described herein which are requested by the PLAN, will be charged at
the rates indicated in ATTACHMENT A, upon project completion and acceptance by
PLAN. PLAN shall provide COMPANY with written specifications for such
enhancements. PLAN will pay all applicable sales taxes; COMPANY will be liable
for all other taxes.

Billing

After the end of parallel processing, COMPANY shall bill PLAN at the beginning
of each calendar month for an average number of eligible PLAN members during the
previous month.

                                       5

                    **** - Confidential Treatment Requested
<PAGE>   6
PLAN agrees to pay for such services within twenty business days of receipt of
invoice. Payment shall be made in an amount equal to the invoice amount unless
invoiced items are disputed by the PLAN, in which case disputed amounts will be
deducted and amount settled after dispute resolution. PLAN has the right to
withhold payment for non-performance as mutually defined.

                          ARTICLE V - NON-APPROPRIATION

Notwithstanding any other provision in this Agreement, this Agreement may be
terminated if for any reason the Pima County Board of Supervisors does not
appropriate sufficient monies for the purpose of maintaining this Agreement. In
the event of such cancellation, COUNTY shall have no further obligation to
COMPANY other than for services already provided.

                    ARTICLE VI - SERVICES QUALITY PROVISIONS

COMPANY agrees to provide professional services in accordance with all laws,
rules and regulations of all governmental authorities having jurisdiction.

Response Time

COMPANY and PLAN agree that an Average Response Time is critical to the
successful use of the information system by the Plan. COMPANY has specified the
work-station configuration required to ensure the required response time and
PLAN agrees to provide work-stations that meet the specification. The
work-stations will be connected via an Ethernet(TM) network operating at a
minimum of 10 million bits per second.

COMPANY is responsible for providing appropriate server hardware, server
software, and server based application software (QMACS(TM)), during the entire
term of this Agreement at no additional cost to PLAN, to ensure PLAN receives
response times that are better than, or equal to, the times defined below for
each QMACS(TM) Module. The Average Response Time will be calculated from
response time measurements taken between the hours of 9:00 A.M. and 11:00 A.M.
and 2:00 P.M. and 4:00 P.M. over a period of not less than three nor more than
five normal work days.

         PROVIDER MODULE, MEMBER MODULE, & AUTHORIZATION MODULE
         Response time for a Query in these modules is defined as the delay from
         the time of execution of the query until the display of the first data
         set retrieved. Response time for these three modules will be two (2)
         seconds or less.

         CLAIM MODULE
         On-line claim adjudication of HCFA 1500 claims with an average of three
         lines Response time for an on-line claim adjudication is defined as the
         time from execution of the adjudication until the adjudication process
         is complete. Average Response Time will be ten (10) seconds or less
         with a worst case adjudication Response Time of twenty (20) seconds.

                                       6
<PAGE>   7
         On-line claim adjudication of UB-92 claims with an average of ten (10)
         lines. Response time for an on-line claim adjudication is defined as
         the time from execution of the adjudication until the adjudication
         process is complete. Average Response Time will be 10 seconds or less
         with a worst case adjudication Response time of thirty (30) seconds.

Should the system fail to provide the agreed upon response time, DSI has 30 days
to correct the problem or be deemed in default of this provision.

System and Software Maintenance [Confidential treatment has been requested]

COMPANY agrees to maintain, at COMPANY expense, the server and all COMPANY
provided hardware under a field service maintenance contract. Contract coverage
must be seven (7) days per week, twenty four (24) hours per day with a
guaranteed four (4) hour response time (defined as complete problem resolution,
corrective site service, or corrective action acceptable to PLAN). COMPANY is
responsible for up to [****] of the cost of the maintenance contract.

COMPANY agrees to provide and maintain, at COMPANY expense, the server software,
and all appropriate languages and software utilities, at a level no more than
one version behind the latest released version. COMPANY agrees to maintain the
application software, QMACS(TM), at a level that is compatible with the Server
Software language; and utilities described in the sentence above.

Reprocessing

COMPANY shall, at its option, have the right to reprocess, at no additional cost
to the PLAN, to correct any errors for which COMPANY may be responsible in full
satisfaction of all PLAN's claims. PLAN and COMPANY agree to mutual written
notification of any claim error(s) made in connection with the service herein
within five (5) days of error discovery and to furnish supporting documentation
of such claim. Reprocessing services furnished herein are deemed acceptable to
PLAN unless notice and proof of claim are made within ninety (90) days.

Pick-up Data

COMPANY shall document disaster recovery services to PLAN. All costs for
Disaster Recovery services are included in the PMPM Base Fee per ATTACHMENT A.
COMPANY and PLAN agree to test the Disaster Recovery procedure at a minimum of
every 12 months. PLAN reserves the right to conduct an un-announced test of the
disaster recovery service and procedures.

COMPANY shall retain calendar year back-up databases for a period of five (5)
years provided this Agreement remains in force. Upon termination of the
Agreement, COMPANY shall retain such calendar year back-up databases for a
period of ninety (90) days following the termination of this Agreement.

                                       7

                    **** - Confidential Treatment Requested
<PAGE>   8
Retention of these calendar year databases beyond those specified periods herein
shall be at PLAN's expense at COMPANY's prevailing rate for such services.
COMPANY shall retain back-up of all PLAN transaction and history files as
specified in RFP #002-95, unless otherwise negotiated by the COMPANY and PLAN.

Upon termination of the agreement, for any reason, COMPANY shall give PLAN
record layouts and copies of all current and historical data files used during
most recent five (5) year period of the contract. These files shall be provided
on industry standard media specified by the PLAN and in a standard ASCII format
consistent with PLAN's record layouts at the time of termination. COMPANY will
cooperate by expediting the conveyance of all PLAN data to facilitate conversion
no later than 15 days after said termination. There shall be no additional cost
to PLAN for these files.

Legal

Current program source code will be held by an escrow agent acceptable to PLAN
in case of business or contract compliance failure. COMPANY shall maintain the
source code applicable to PLAN in a safety deposit box along with the release
allowing PLAN access to the source code; code shall be updated monthly. PLAN
shall be able to access the source code in the event COMPANY is in default and
is unable to cure any defects in accordance with this Agreement. PLAN is
entitled to access the source code upon demonstrating that PLAN has given
written notice of default to COMPANY. Appropriately executed license and
non-disclosure agreements will be included in the escrow.

PLAN agrees to enter into a mutually acceptable confidentiality agreement with
COMPANY per ATTACHMENT C.

Reliance on Data

PLAN agrees to provide the data and materials as specified and required by
COMPANY to enable it to perform the services under this Agreement. If the data
and materials submitted by PLAN are incorrect, incomplete, or not in the form
agreed upon between COMPANY and PLAN for processing, then COMPANY charges may be
adjusted in accordance with its then prevailing rates to reflect the additional
work necessary to correct, complete, or otherwise prepare such data for
processing. PLAN and COMPANY further agree that any schedule set forth herein
that may be extended by reason of delay caused by the conditions described in
the preceding sentence shall not constitute default of performance.

Confidential Handling of Data

All data and information supplied to COMPANY by PLAN in connection with the
performance of any service hereunder shall be kept in confidence and shall not
be disclosed to anyone outside the organizations of PLAN and COMPANY, except
authorized representatives of governmental agencies responsible for regulation
of PLAN and/or COMPANY or other persons authorized by COUNTY.

                                       8
<PAGE>   9
LIABILITIES

COMPANY shall not be liable, or deemed to be in default, for any delay or
failure in performance under this Agreement or interruption of services
resulting, directly or indirectly, from acts of God, civil or military
authority, acts of public enemy, war (whether declared or not), or insurrection,
provided, however, respondent shall be obligated to notify PLAN as to the nature
of the event, and the estimated delay resulting therefrom. Failure to notify
PLAN shall be cause for automatic imposition of liquidated damages, or
termination of contract, at the option of the PLAN.

COMPANY shall be liable for any sanctions imposed on PLAN by AHCCCS or the
Federal Internal Revenue Service as a result of COMPANY's failure to meet any of
its responsibilities under this contract, to the extent such failure is the
fault of COMPANY. COMPANY's liability under this section during any AHCCCSA plan
year shall be limited to Twenty-Five Percent (25%) of the total PMPM fees paid
by PLAN during any AHCCCSA Plan Year. If there appears to be reasonable grounds
to appeal an imposed sanction, COMPANY and PLAN will cooperate in preparing and
presenting the appeal. However, any sanctions that are attributable to PLAN
shall not be deemed as COMPANY's responsibility.

COMPANY and PLAN understand and acknowledge that they each have, may have, or
are entitled to have business relationships with various vendors, vendees,
licensees, licensors, employees, agents and principals. COMPANY and PLAN
acknowledge and agree that their business relationship is non-exclusive and that
each of them, in event of any default by the other, is entitled to pursue any
available legal remedy against the other.

                  ARTICLE VII -- AHCCCS SUBCONTRACT PROVISIONS

COMPANY agrees to AHCCCS and ALTCS Subcontract Provisions in ATTACHMENT B.1 and
B.2.

                          ARTICLE VIII -- NON-WARRANTY

The parties do not warrant their respective right or power to enter into this
Agreement and if the same is declared null and void by court action initiated by
third persons, there shall be no liability to the other party by reason of such
action or by reason of this Agreement.

                         ARTICLE IX -- BOOKS AND RECORDS

COMPANY shall keep and maintain proper and complete books, records and accounts
and the same shall be open for inspection and audit by duly authorized
representative of COUNTY, and State at all reasonable times.

                                       9
<PAGE>   10
                     ARTICLE X -- LICENSURE AND REGISTRATION

COMPANY shall obtain and keep current for the term of this Agreement any
license, registration or permit which shall be required by the State of Arizona.
Notification of granting or denial of the permit or license shall immediately be
sent to PLAN.

                     ARTICLE XI -- COMPLIANCE WITH ALL LAWS

COMPANY shall comply with all federal, state and local laws, rules, regulations,
standards and Executive Orders, without limitation to those designated within
this Agreement. The laws and regulations of the State of Arizona shall govern
the rights of the parties, the performance of this Agreement and any disputes
hereunder. Any action relating to this Agreement shall be brought in Pima
County, Arizona.

                           ARTICLE XII -- SEVERABILITY

If any provision of this Agreement is held invalid or unenforceable, the
remaining provisions shall continue valid and enforceable to the full extent
permitted by law. Any changes in the governing laws, rules, and regulations
during the term of this Agreement shall apply but do not require an Amendment.

                        ARTICLE XIII - NON-DISCRIMINATION

COMPANY shall not discriminate against any COUNTY employee, client or any other
individual in any way because of that person's age, race, sexual preference,
color, religion, sex, disability or national origin in the course of carrying
out COMPANY's duties pursuant to this Agreement. COMPANY shall comply with the
provisions of Executive Order 75-5.

                  ARTICLE XIV - AMERICANS WITH DISABILITIES ACT

COMPANY shall comply with all applicable provisions of the Americans With
Disabilities Act (P.L. 101-336, 42 USC, 12101 - 12213) and all applicable
federal regulations under the Act including 28 CFR, Parts 35 and 36.

                             ARTICLE XV - INSURANCE

COMPANY shall provide evidence of insurance as follows: Commercial General
Liability in the amount of THREE MILLION DOLLARS ($3,000,000.00) including
products and liability for completed operations. PIMA COUNTY is to be named as
an additional insured for all operations performed within the scope of the
contract between COUNTY and COMPANY. Evidence of statutory Worker's compensation
coverage must also be provided including FIVE-HUNDRED THOUSAND DOLLARS
($500,000) in employers liability. COMPANY will provide proof of automobile
liability insurance coverage for COMPANY employees officed at PLAN site. All
certificates of insurance must provide for guaranteed thirty (30) days written
notice of cancellation, non-renewal or material change. Any modifying language
in the insurance must be deleted.

                                       10
<PAGE>   11
\                          ARTICLE XVI - INDEMNIFICATION

COMPANY shall indemnify, defend and hold harmless COUNTY, its officers,
departments, employees and agents from and against any and all suits, actions,
legal or administrative proceeding, claims, demands or damages of any kind or
nature which result from any act or omission of COMPANY, its agents, employees
or anyone acting under its direction, control or on its behalf whether
intentional or negligent.

                    ARTICLE XVII - TERMINATION WITHOUT CAUSE

COUNTY may terminate this Agreement without cause upon the provision of thirty
(30) days prior written notice to COMPANY.

                      ARTICLE XVIII - TERMINATION FOR CAUSE

If in the judgment of either party to this Agreement, the other party does not
perform in accordance with the conditions of this Agreement, or is otherwise in
default of any provision of this Agreement, the party claiming non-performance
or default shall give written notice to the other party specifying the nature of
the non-performance or default. If the nonperformance or default is not
corrected within thirty (30) days after receipt of such written notice, or if
the non-performing or defaulting party fails to diligently pursue remedies for
corrections which require more than thirty (30) days to complete, the party
claiming nonperformance or default may terminate this Agreement. This Agreement
shall remain in force only as long as PLAN retains its AHCCCS and/or ALTCS
contracts with the State of Arizona.

COMPANY may terminate this Agreement and its obligations under this Agreement if
PLAN or third parties engaged by COUNTY or PLAN purposely alter, add, delete or
make any structural or technical modifications to the database without written
permission of the COMPANY.

                    ARTICLE XIX - RECOVERY OF COMPANY ASSETS

Upon expiration or termination of the Agreement for any reason, all copies of
QMACS(TM) Software and documentation, including but not limited to, database
schemas, all equipment and documentation used during execution of this Agreement
by COMPANY and in the possession of PLAN or COUNTY, and all third party software
utilized by COMPANY in the execution of its responsibilities under this
Agreement and in the possession of PLAN or COUNTY, shall be delivered promptly
to COMPANY within 30 days. PLAN shall certify in writing to COMPANY that all
software and hardware related items belonging to COMPANY and in the possession
of PLAN or COUNTY have been returned to the COMPANY.

                              ARTICLE XX - REMEDIES

Either party may pursue any remedies provided by law for the breach of this
Agreement. No right or remedy is intended to be exclusive of any other right or
remedy and each shall be

                                       11
<PAGE>   12
cumulative and in addition to any other right or remedy existing at law or at
equity or by virtue of this Agreement.

                        ARTICLE XXI - CONTRACT EXTENSIONS

This Agreement may be extended for up to two (2) additional three (3) year
periods through a duly-executed amendment signed by both COMPANY and COUNTY, but
in no event is the Agreement to be interpreted as being subject to automatic
renewal.

                             ARTICLE XXII - NOTICES

Any notice required or permitted to be given under this Agreement shall be in
writing and served by certified mail upon the other party.

                  Notice to COMPANY shall be addressed and mailed as follows:

                           Chief Executive Officer
                           Digital Sciences Inc.
                           103 S. Southgate, Suite 1
                           Chandler, Arizona  85226
                           Telephone:  (602) 940-6432
                           Fax:  (602) 940-1388

                  Notice to COUNTY shall be addressed and mailed as follows:

                           Contracts Administrator
                           Pima Health System
                           5055 E. Broadway Blvd., A214
                           Tucson, Arizona  85711
                           Telephone:  (520) 512-5611
                           Fax:  (520) 790-6555

Any nonmaterial alteration that affects programmatic or financial provisions of
this Agreement shall be reported to PLAN Contracts Administrator, including;

                  1.     Change of address.
                  2.     Change of Authorized Signatory.
                  3.     Change in the name or, address of the person to whom
                         notices are to be sent.
                  4.     Change in the name of the company agency, where the
                         ownership of the Company remains the same.

                                       12
<PAGE>   13
                         ARTICLE XXIII - NON-ASSIGNMENT

Any attempted assignment of this Agreement without the prior written consent of
the COUNTY shall be void. Such consent of COUNTY shall not be unreasonably
withheld. This Agreement shall be binding upon and inure to the benefit of the
parties to this Agreement and their respective successors and assigns.

                            ARTICLE XXIV - NON-WAIVER

Any failure of either party to insist on any one or more instances upon the full
and complete performance of any of the terms and provisions of this Agreement to
be performed on the part of the other, or to take any action permitted as a
result thereof, shall not be construed as a waiver or relinquishment of the
right to insist upon full and complete performance of the time, or any other
covenant or condition, either in the past or in the future. The acceptance by
either party of sums less than may be due and owing it at any time shall not be
construed as an accord and satisfaction.

                       ARTICLE XXV - CONFLICT OF INTEREST

This contract is subject to the provisions of A.R.S. 38-511.

                     ARTICLE XXVI - INDEPENDENT CONTRACTORS

The status of COMPANY shall be that of an independent contractor and COMPANY
shall not be considered an employee of COUNTY and shall not be entitled to
receive any fringe benefits associated with regular employment and shall not be
subject to the provisions of the Pima COUNTY Merit System. COMPANY shall be
responsible for payment of all federal, state and local taxes associated with
compensation received pursuant to this Agreement. COMPANY shall be responsible
for program development and operation without supervision of the COUNTY.

                        ARTICLE XXVIII - ENTIRE AGREEMENT

This Agreement consists of this document, including all attachments hereto and
COMPANY'S responses to RFP #002-95 and addenda, which are incorporated into this
Agreement by reference as it set forth in full herein. This Agreement may not be
modified, amended, altered or intended except through a written amendment signed
by the parties. COUNTY has determined that time is of the essence of this
Agreement.

                                       13
<PAGE>   14
IN WITNESS WHEREOF, the parties hereby approve this Agreement.

PIMA COUNTY                                  COMPANY

/s/ Paul G. Marsh                            /s/ A. Bruce Oliver
------------------------------------         -----------------------------------
Chairman, Board of Supervisors               Digital Sciences Inc.

December 19, 1995                            A. Bruce Oliver CEO
------------------------------------         -----------------------------------
Date                                         Name and Title (please Print)

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

ATTEST:

/s/ Jane S. Williams
------------------------------------
Jane S. Williams, Clerk of the Board

APPROVED AS TO FORM:

/s/ [Illegible]
------------------------------------
Deputy County Attorney

REVIEWED AND APPROVED BY:

/s/ Chris Borkulis
------------------------------------
______ Administrator

                                       14
<PAGE>   15
                                  ATTACHMENT A

                             DIGITAL SCIENCES, INC.
                         C. REVISED SCHEDULE OF CHARGES

1.       BASE FEE [Confidential treatment has been requested]

<TABLE>
<CAPTION>
         YEAR I                                YEAR II                            YEAR III
         ------                                -------                            --------
<S>                            <C>             <C>                   <C>          <C>                 <C>
         Minimum                               Minimum                            Minimum

         Monthly Fee           [****]          Monthly Fee           [****]       Monthly Fee         [****]
</TABLE>

<TABLE>
<CAPTION>
        PMPM Fee - PLEASE SEE ATTACHMENT "A.1"
<S>                            <C>             <C>                   <C>          <C>                 <C>
         Minimum                               Minimum                            Minimum

         Enrollment            [****]          Enrollment            [****]       Enrollment          [****]
</TABLE>

         The above fees are on a per member per month (PMPM) basis, are for the
         base period of three (3) years and are billed prospectively each month.
         Members shall include all persons enrolled in the various PHS benefit
         group populations as of the 1st day of each month. Minimum monthly fee
         shall apply to a minimum enrollment level to guarantee a minimum
         monthly payment. When enrollment exceeds the minimum threshold, PMPM
         fee will apply to the total enrollment as projected in REP #002-95,
         Section II.A.4.a.

         Minimum Services That Must Be Included Within the Base Fee Will Include
         But Are Not Limited to:

                  a.     Monthly Access Fee for CPU Time

                         PLEASE SEE ATTACHMENT "A.1" - Included in base PMPM

                  b.     Equipment and communication overhead at host end

                         PLEASE SEE ATTACHMENT "A.1" - Included in base PMPM

                  c.     All Systems software

                         PLEASE SEE ATTACHMENT "A.1" - Included in base PMPM

                  d.     Operational and technical support

                         PLEASE SEE ATTACHMENT "A.1"

                                       15

                     **** - Confidential Treatment Requested
<PAGE>   16
                  e.     Remote printing of production reports

                         PLEASE SEE ATTACHMENT "A.1"

                  f.     User services

                         PLEASE SEE ATTACHMENT "A.1"

                  g.     24 hour per day, seven (7) days per week on-line access

                         PLEASE SEE ATTACHMENT "A.1"

                  h.     All regulatory interface and transmission requirements;
                         e.g., enrollment records, encounter data, etc.

                         PLEASE SEE ATTACHMENT "A.1"

                  i.     List All Others

                         PLEASE SEE ATTACHMENT "A.1"

2.       LIST COSTS FOR IMPLEMENTATION, CONVERSION AND DEVELOPMENT AS WELL AS
         ALL OTHER COSTS NOT INCLUDED IN C.1. NECESSARY TO MEET THE REQUIREMENTS
         CONTAINED IN THIS RFP. [Confidential treatment has been requested]

         a.   Conversion                           $        See Attachment "A.1"
                               -------------------
         b.   Implementation                       $        See Attachment "A.1"
                               -------------------
         c.   Development                          $        No Charge
                               -------------------
         d.   List all others                      $
                               -------------------
                                                   $
                               -------------------
                                                   $
                               -------------------
                                          *TOTAL   $        [****]

                                       16

                       **** - Confidential Treatment Requested
<PAGE>   17
         *PROPOSER IS RESPONSIBLE FOR PROVIDING A TOTAL OF COSTS IN THIS SECTION
         WHICH REFLECT ALL OF COSTS NOT INCLUDED IN THE PMPM BASE FEE. INDICATE
         THE PERIOD OF AMORTIZATION OF THESE COSTS.

         AMORTIZATION PERIOD 5 Months

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

3.       THE FOLLOWING WILL BE APPLICABLE ONLY TO FUTURE, UNDETERMINED USER
         REQUIRED MODIFICATION AND DEVELOPMENT SERVICES. THESE CHARGES WILL NOT
         BE ASSOCIATED WITH THE TOTAL ABOVE, BUT WILL BE CONSIDERED IN CONTRACT
         NEGOTIATIONS SUBSEQUENT TO RFP AWARD. INDICATE TIME AND CHARGES
         SCHEDULES FOR:

         a.       Labor - PLEASE SEE ATTACHMENT "A.1"

         b.       OTHER

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

                                       17
<PAGE>   18
                                ATTACHMENT "A.1"
                            (DIGITAL SCIENCES, INC.)

BASE PMPM

[Confidential treatment has been requested]

<TABLE>
<CAPTION>
                  YEARS    1, 2, 3
<S>                                                 <C>

                           Minimum

                           Monthly Fee               [****]

                           PMPM Fee Schedule:

                                    [****]              [****]

                                    [****]              [****]

                                    [****]              [****]

                                    [****]              [****]

                           Minimum

                           Enrollment                 [****]
</TABLE>

ADDITIONAL CHARGES:

MONTHLY ACCESS FEE FOR CPU TIME

         Included in base PMPM

EQUIPMENT AND COMMUNICATION OVERHEAD AT HOST END

         Included in base PMPM

ALL SYSTEMS SOFTWARE

         Included in base PMPM

OPERATIONAL AND TECHNICAL SUPPORT

         Included in base PMPM, except for custom programming and reports as
         noted below.

                                       18

                     **** - Confidential Treatment Requested
<PAGE>   19
REMOTE PRINTING OF PRODUCTION REPORTS

         Included in base PMPM. Most report printing will occur on site.

USER SERVICES

24 hour per day, seven (7) days per week on-line access

         Included in base PMPM

All regulatory interface and transmission requirements; e.g., enrollment
records, encounter data and AHCCCS and Federal Government compliance
enhancements and modification requirements. [Confidential Treatment Has Been
Requested]

         Included in base PMPM

ALL OTHERS

Tape Transmission/Courier charges

         Tape Transmissions are-included in the PMPM Fee
         Courier Charges will be on a cost-pass thru basis as incurred.

Fees for acceptance and loading of electronic claims.

         Included in bass PMPM

Fees for laser printing.

         Included in base PMPM

COSTS FOR IMPLEMENTATION, CONVERSION AND DEVELOPMENT AS WELL AS ALL OTHER COSTS
NOT INCLUDED ABOVE NECESSARY TO MEET THE REQUIREMENTS. [Confidential treatment
has been requested]

      Conversion/implementation                                  [****]

         $[****] payable on project start
         $[****] per mouth on the first day of each mouth for four months
         Cost from end of Conversion Phase to PHS Live date-50% of Minimum
         monthly PMPM.

      Custom Development beyond the scope of the RFP             [****] per hour

      Custom Reports                                             [****] per hour

         (First [****] in any month included in base PMPM).

                                       19

                    **** - Confidential Treatment Requested
<PAGE>   20
                                 ATTACHMENT A.2.

<TABLE>
<CAPTION>
TERM                           DEFINITION                         DELIVERABLES                                CONTRACT/RFP REFERENCE
----                           ----------                         ------------                                ----------------------
<S>                            <C>                                <C>                                         <C>
contract date                  beginning date of contract         signed contract
                               period 01/01/96

PROJECT START DATE             initial conversion/                "Required from company prior to initial
"initial payment of this"      implementation "payment of         $25,000 payment:"
agreement (3G)                 $25,000 under this" agreement.
                               target date is 01/08/96

                                                                  a written implementation and conversion     Article II.D.
                                                                  plan with dates and responsibilities of
                                                                  company and plan for the inception of
                                                                  charges in Attachment A.

                                                                  samples of all existing QMACS reports       Article II.E.

                                                                  QMACS system installation for               Article II.H.
                                                                  test/training purposes

                                                                  "database schema, data views, and           Article II.I.
                                                                  supporting documentation"

WITHIN 30 DAYS OF PROJECT      deliverables required within 30    "initial QMACS, ad hoc report writing,      Article II.J.
START DATE                     days of the project start date     task manager," "crystal, electronic mail
                               as stated above                    training"

prior to company account       deliverables required prior to     plan to interview and provide input into    Article II.F.
manager start date             the target date for company        the selection of the company account
                               account manager                    manager

                                                                  plan and company to develop functional
                                                                  job description of company account manager

                                                                  plan to provide office space and furniture  Article II.F.

                                                                  company to install telephone for long       Article II.F.
                                                                  distance calls

begin data conversion          conversion of data obtained from   company and plan to install hardware and    RFP
                               INC system to include, active      software
                               and inactive provider, member,
                               enrollment, prior authorization    staff training                              RFP
                               and claims data.  Company
                               loading of tables including NDC,   plan to obtain AHCCCS tape supplier
                               ICD-9, Procedure code, AHCCCS      number and complete all necessary forms
                               fee for service pricing schedule.  required for data exchange with AHCCCS

                                                                  plan to provide personnel to assist with    Article II.F.
                                                                  data conversion

                                                                  plan to provide company with data           Article II.F.
                                                                  conversion formats

                                                                  plan to obtain conversion files             Article II.F.

                                                                  company and plan to test conversion
                                                                  process

                                                                  plan to assure quality of data to be        Article II.F.
                                                                  converted

                                                                  company and plan to assure quality of       Article II.F.
                                                                  converted data
</TABLE>
<PAGE>   21
<TABLE>
<CAPTION>
TERM                           DEFINITION                         DELIVERABLES                                CONTRACT/RFP REFERENCE
----                           ----------                         ------------                                ----------------------
<S>                            <C>                                <C>                                         <C>
begin development projects     begin meetings to identify,        projects include but are not limited to:
                               prioritize, plan, develop and
                               implement all RFP requirements     pharmacy interface                          Article II.O.
                               not currently functional in the
                               DSI system                         Kino Community Hospital UB-92 EDT           Article II.Q.

                                                                  on-line universal C claims processing       RFP

                                                                  on-line LTC UB-92 claims processing         RFP

                                                                  Community Services process                  RFP

                                                                  monthly encounter tape submission DES       RFP

                                                                  risk pool accounting                        RFP

                                                                  1099 reporting                              RFP

                                                                  prior authorization editing to              RFP
                                                                  claims/episodic

FEBRUARY 1, 1996               target date                        full time company account manager located   Article II.F.
                                                                  at PHS site

                                                                  begin payment of conversion/                Attachment A
                                                                  implementation costs.  $12,500 per month
                                                                  on the first day of each month for four
                                                                  months.  (Total conversion/implementation
                                                                  costs are $75,000)

DATA CONVERSION PHASE          upon plan acceptance of            remaining conversion/implementation costs   Attachment A
COMPLETED                      converted active and inactive      to be paid to DSI by plan.  (Total
                               provider, member, enrollment,      conversion/implementation costs are
                               prior authorization and claim      $75,000).
                               data - production & warehoused,
                               tables, all company deliverables   DSI "will charge 50% of its minimum         BFO-DSI
                               as required in the RFP required    monthly PMPM fee from" the time data
                               to date parallel processing will   conversion phase is completed until PHS's
                               begin                              live date.  During that timeframe, PHS
                                                                  will utilize QMACS for "certain business
                                                                  processes, parallel testing and
                                                                  reporting."

                                                                  company and plan to perform and complete
                                                                  data exchange testing with AHCCCS

                                                                  company and plan to begin testing of all
                                                                  required reports and processes

                                                                  company to implement emergency              Article II.M.
                                                                  communication system

_______ OF PARALLEL            100% PMPM payment target data is   Required prior to 100% PMPM payments        Article IV.  BILLING
PROCESSING/EFFECTIVE DATE      07/01/96                           begin:
time data conversion phase
complete (DSI Clarification                                       will begin upon completion of all
pg. 1)                                                            critical business processes, parallel
                                                                  testing, and required reports have been
                                                                  completed AND

                                                                  current NDC, ICD-9, procedure code and      Article II.P.
                                                                  AHCCCS FFS pricing tables

                                                                  delivery of current system documentation    Article II.N.
</TABLE>
<PAGE>   22
<TABLE>
<CAPTION>
TERM                           DEFINITION                         DELIVERABLES                                CONTRACT/RFP REFERENCE
----                           ----------                         ------------                                ----------------------
<S>                            <C>                                <C>                                         <C>
SYSTEM ACCEPTANCE              plan approval and signoff on all   reassignment of DSI account manager         Article II.G.
plan acceptance of all RFP     RFP requirements.                  duties (DSI intends to utilize the
requirements "(3G)"            Final system acceptance target     selected individual 100% for the initial
                               date is 12/31/96                   stages of the PHS conversion and
                                                                  implementation through a post production
                                                                  period.  RFP requirements.
                                                                  Responsibilities may be delegated to
                                                                  company subordinates to be supervised by
                                                                  the account manager.)
</TABLE>
<PAGE>   23
                                 ATTACHMENT B.1

           ARIZONA HEALTH CARE COST CONTAINMENT SYSTEM ADMINISTRATION

                  ALTCS Approved Minimum Subcontract Provisions

                                 October, 1994

1.0      EVALUATION OF QUALITY, APPROPRIATENESS, OR TIMELINESS OF SERVICES

         The Arizona Cost Containment System Administration (AHCCCSA) or the
         U.S. Department of Health and Human Services may evaluate, through
         inspection or other means, the quality, appropriateness or timeliness
         of services performed by the Subcontractor under this subcontract.

2.0      RECORDS AND REPORTS

         2.1      The Subcontractor shall maintain all forms, records, reports,
                  working papers used in the preparation of reports, files,
                  correspondence, financial statements, records relating to the
                  quality of care, medical records, prescription files,
                  statistical information and other records specified by
                  AHCCCSA, for purposes of audit and program management. The
                  Subcontractor shall comply with all specifications for record
                  keeping established by AHCCCSA. All books and records shall be
                  maintained to the extent and in such detail as will properly
                  reflect each service provided and all costs, direct and
                  indirect, of labor, materials, equipment, supplies and
                  services, and other costs and expenses of whatever nature for
                  which payment is made by the Program Contractor to the
                  Subcontractor. Such material shall be subject to inspection
                  and copying by the State, AHCCCSA and the U.S. Department of
                  Health and Human Services during normal business hours at the
                  place of business of the person or organization maintaining
                  the records.

         2.2      The Subcontractor agrees to make available at the office of
                  the Subcontractor at all reasonable times during the period
                  set forth in subsection (3) below any of its records for
                  inspection, audit or reproduction by any authorized
                  representative of the State and the Federal Governments.

         2.3      The Subcontractor shall preserve and make available all
                  records for a period of five (5) years from the date of final
                  payment under this subcontract except as provided in
                  paragraphs (a) and (b) below.

                  2.3.1    If this Subcontract is completely or partially
                           terminated, the records relating to the work
                           terminated shall be preserved and made available for
                           a period of five (5) years from the date of any such
                           termination.
<PAGE>   24
                  2.3.2    Records which relate to disputes, litigations or the
                           settlement of claims arising out of the performance
                           of this Subcontract, or costs and expenses of this
                           Subcontract as to which exception has been taken by
                           the State shall be retained by the Subcontractor
                           until such disputes, litigation, claims or exceptions
                           have been disposed of.

                  2.3.3    If the time requirements for preservation, retention,
                           and availability of records conflict with
                           requirements of the Program Contractor, the period of
                           time which is longer shall apply.

                  2.3.4    The Subcontractor shall provide all reports requested
                           by AHCCCSA, and all information from its records
                           relating to the performance of this Subcontract which
                           the Administration may reasonably require. The
                           Subcontractor reporting requirements hereunder may
                           include but are not limited to timely and detailed
                           utilization statistics, information and reports. The
                           Subcontractor shall certify to its Contractor that it
                           has not engaged in conduct prohibited by Section
                           1228B of the Social Security Act (42 U.S.C.
                           1320a-7b).

3.0      Limitations on Billing and Collection Practices

         The Subcontractor shall not submit a claim, demand, or otherwise
         collect payment from a member or eligible person for ALTCS covered
         services in excess of the amount paid to the provider by AHCCCSA or
         Program Contractor. Subcontractor shall not bill, or attempt to collect
         payment directly or through a collection agency from a person claiming
         to be ALTCS eligible without first receiving verification from AHCCCSA
         that the person was ineligible for ALTCS on the date of service, or
         that services provided were not ALTCS covered services. This provision
         shall not apply to patient contributions to the cost of services
         delivered by nursing homes.

4.0      Assignment and Delegation of Rights and Responsibilities

         No payment due the Subcontractor under this Subcontract may be assigned
         without the prior approval of AHCCCSA. No delegation of the duties of
         this Subcontract shall be valid unless prior written approval is
         received from AHCCCSA.

5.0      AHCCCS Approval of Subcontracts and Amendments

         This Subcontract is subject to prior approval by the Administration.
         The Program Contractor shall notify AHCCCSA in the event of any
         prospective amendment or termination during the term hereof. Any such
         amendment or termination is subject to the prior approval by AHCCCSA.
         Approval of the Subcontract may be rescinded by the AHCCCSA Director
         for violation of federal or state laws or rules.
<PAGE>   25
6.0      Subcontracts in Excess of $100,000

         In the event that this Subcontract is for an amount in excess of
         $100,000 during the prime term hereof, this subcontract shall be
         subject to prior approval by the Health Care Financing Administration
         of the U.S. Department of Health and Human Services.

7.0      Performance Representations

         The Subcontractor, by execution of this Subcontract represents that it
         has the ability, authority, skill, expertise and capacity to perform
         the services specified hereunder in connection with this Program.

8.0      Subjection of Subcontract to other Contracts

         The terms and conditions of this Subcontract shall be subject to the
         terms of the Contract existing between the Program Contractor and
         AHCCCSA for provision of covered services.

9.0      Awards of other contracts and Subcontracts

         The Subcontractor specifically acknowledges that AHCCCSA may undertake
         or award other contracts for additional work related to the work
         performed by the Subcontractor, and that the Subcontractor shall fully
         cooperate with such other Contractors and Subcontractors and State
         employees, and carefully fit its own work to such other Contractor's or
         Subcontractors' work. The Subcontractor shall not commit or permit any
         act which will interfere with the performance of work by any other
         Contractor, or Subcontractor or by State employees.

10.0     Indemnification by Subcontractor

         The Subcontractor agrees to hold harmless the State, all State officers
         and employees, AHCCCSA and all officers and employees of AHCCCSA and
         all ALTCS members in the event of nonpayment by the Contractor to the
         Subcontractor. The Subcontractor shall further indemnify and hold
         harmless the State and AHCCCSA, and their agents, officers and
         employees against all injuries, deaths, losses, damages, claims, suits,
         liabilities, judgments, costs and expenses which may in any manner
         accrue against the State or AHCCCSA, or their agents, officers or
         employees, through the intentional conduct, negligence or omission of
         the Subcontractor, its agents, officers, employees or contractors.

11.0     Maintenance of Requirements to do Business and Provide Services

         The Subcontractor shall obtain and maintain all licenses, permits and
         authority necessary to do business and render services under this
         Subcontract, and, if applicable, shall comply
<PAGE>   26
         with all laws regarding safety, unemployment insurance, disability
         insurance and worker's compensation.

12.0     Compliance with Laws and other Requirements

         The Subcontractor shall comply with all federal, state and local laws,
         rules, regulations, standards and executive orders, governing
         performance of duties under this Subcontract, without limitation to
         those designated within this Subcontract.

13.0     Compliance with Title XIX and A.R.S. Title 36, Chapter 29

         The Subcontractor shall comply with provisions of federal laws and
         regulations governing the Title XIX Program, except for those
         requirements waived for the State by the Federal Government. The
         Subcontractor shall comply with the provisions of Title 36, Chapter 29,
         Arizona Revised Statutes, governing ALTCS and with all applicable rules
         promulgated by the Administration.

14.0     Severability

         If any provision of these standard subcontract terms and conditions is
         held invalid or unenforceable, the remaining provisions shall continue
         valid and enforceable to the full extent permitted by law.

15.0     Voidability of Subcontract

         This Subcontract is voidable and subject to immediate termination by
         the Administration upon the Subcontractor becoming insolvent or filing
         proceedings in bankruptcy or reorganization under the United States
         Code, or upon assignment or delegation of the Subcontract without
         AHCCCSA's prior written approval.

16.0     Confidentiality Requirement

         Confidential information shall be safeguarded pursuant to 42 C.F.R.
         Part 431, Subpart F, A.R.S. Sections 41-1959 and 46-135, and ALTCS
         Rules.

17.0     Grievance Procedures

         The Subcontractor shall be subject to the same grievance procedures
         against the AHCCCSA that exist and apply for the Program contractor.

18.0     Termination of Subcontract

         AHCCCSA may, by written notice to the Subcontractor, terminate this
         subcontract if it is found, after notice and hearing, by the State,
         that gratuities in the form of entertainment, gifts, or otherwise were
         offered or given by the Subcontractor, or any agent or
<PAGE>   27
         representative of the Subcontractor, to any officer or employee of the
         State with a view towards securing a Subcontract or securing favorable
         treatment with respect to the awarding or amending or the making of any
         determinations with respect to the performing of such Subcontract;
         provided, that the existence of the facts upon which the State makes
         such findings shall be in issue and may be reviewed in any competent
         court. If the Subcontract is terminated under this section, unless the
         Subcontractor is a governmental agency, instrumentality or subdivision
         thereof, the Administration shall be entitled to a penalty in addition
         to any other damages to which it may be entitled by law, to exemplary
         damages in the amount of three times the cost incurred by the
         Subcontractor in providing any such gratuities to any such officer or
         employee.

19.0     Prior Authorization and Utilization Review

         The Program Contractor and Subcontractor shall develop, maintain and
         use a system for Prior Authorization and Utilization Review which is
         consistent with ALTCS Rules and the Program Contractor's policies.

20.0     Non-Discrimination Requirements

         The Subcontractor shall comply with Title VII of the Civil Rights Act
         of 1964, as amended, the Age Discrimination In Employment Act, State
         Executive Order 75-5 and Federal Executive order 11246 which mandates
         that all persons, regardless of race, color, religion, sex, age,
         national origin or political affiliation, shall have equal access to
         employment opportunities. If applicable, the Subcontractor shall comply
         with Section 503 of the Rehabilitation Act of 1973, as amended which
         prohibits discrimination in the employment or advancement of the
         employment of qualified persons because of physical or mental handicap.
         If applicable, the Subcontractor shall comply with Title VI of the
         civil Rights Act of 1964, which prohibits the denial of benefits of or
         participation in Contract services on the basis of race, color or
         national origin. If applicable, the Subcontractor shall comply with the
         requirement of Section 504 of the Rehabilitation Act of 1973, as
         amended which prohibits discrimination on the basis of handicap in
         delivering Contract Services.

21.0     Compliance with ALTCS Rules Relating to Audit and Inspection

         The Subcontractor shall comply with all applicable ALTCS Rules relating
         to the audit of the Subcontractor's records and the inspection of the
         Subcontractor's facilities.

22.0     Certification of Truthfulness of Representations

         By execution of this Subcontract, the Subcontractor and Program
         Contractor certify to AHCCCSA that all representations set forth herein
         are true to the best of their knowledge.
<PAGE>   28
23.0     Conflict in Interpretation of Provisions

         In the event of any conflict in interpretation between provisions of
         the Subcontract and these ALTCS Approved Minimum Subcontract
         Provisions, these ALTCS Approved Minimum Subcontract Provisions shall
         govern.

24.0     Additional Subcontract Requirements

         In addition to the above provisions, each Subcontract must contain the
         following:

         24.1     Full disclosure of the method and amount of compensation or
                  other consideration to be received by the Subcontractor.

         24.2     Identification of the name and address of the Subcontractor.

         24.3     Identification of the population, to include patient capacity,
                  to be covered by the Subcontractor.

         24.4     The amount, duration and scope of medical services to be
                  provided, or for which compensation will be paid.

         24.5     The term of the Subcontract including beginning and ending
                  dates, methods of extensions, termination and renegotiation
                  shall be included in Subcontract provision.

         24.6     The specific duties of the Subcontractor relating to
                  coordination of benefits and determination of third-party
                  liability.

         24.7     A description of the Subcontractor's patient, medical and cost
                  record keeping system.

         24.8     Specification that the Subcontractor shall cooperate with
                  quality assurance programs and comply with the utilization
                  control and review procedures specified in 42 C.F.R. Part 456,
                  as implemented by the Administration.

         24.9     A provision that the Subcontractor agrees to identify Medicare
                  and other third-party liability coverage and to seek such
                  Medicare or third-party liability' payment before submitting
                  claims to the Contractor.

         24.10    A provision stating that a merger, reorganization or change in
                  ownership of a Subcontractor that is related or affiliated to
                  the Contractor shall constitute a contract amendment and shall
                  require prior approval of the Administration.

         24.11    The Subcontractor shall include full disclosure of the method
                  and amount of compensation to be received by the
                  Subcontractor.
<PAGE>   29
         24.12    Procedures for enrollment or re-enrollment of the covered
                  population must be included.

         24.13    A provision that the Subcontractor shall be fully responsible
                  for all tax obligations, Worker's Compensation Insurance, and
                  all other applicable insurance coverage obligations which
                  arise under this subcontract, for itself and its employees,
                  and that the Administration shall have no responsibility or
                  liability for any such taxes or insurance coverage.

         24.14    Subcontractor shall obtain any necessary authorization from
                  the Contractor or AHCCCSA for services provided to ALTCS
                  eligible and/or enrolled members.

         24.15    Subcontractor shall comply with encounter reporting and claims
                  submission requirements as described in the Subcontract.

25.0     Provisions Specific to Certain Providers

         Provisions based on the following paragraphs shall be included in
         Contractor's subcontracts where appropriate. These paragraphs are
         specific to certain types of subcontracts. The Subcontractor shall
         comply with applicable provisions specific to their provider
         classification or service category:

         25.1     Respiratory therapy services: To be a registered provider of
                  respiratory therapy, the individual shall meet the Respiratory
                  Therapist licensing standards set forth in A.R.S. Title 35,
                  Chapter 32.

         25.2     Acute Care Providers: Subcontracts providing acute care
                  services must meet the following provisions:

                  25.2.1       ALTCS providers of hospital and medical care
                               services shall be registered with AHCCCSA.

                  25.2.2       Providers of hospital services shall be licensed
                               by the Arizona Department of Health Services, and
                               shall meet requirements set forth in 42 CFR Part
                               456 and Part 482.

                  25.2.3       Mental Health Provider: Subcontractors providing
                               mental health services must meet the
                               specifications described in the AHCCCS Mental
                               Health Policy Manual.

                  25.2.4       Provider Subcontract Standard: Subcontracts for
                               Early and Periodic Screening, Diagnosis and
                               Treatment (EPSDT) providers must include the
                               statement that the physician agrees to "provide
                               Early and Periodic Screening, Diagnosis, and
                               Treatment for all assigned members from
<PAGE>   30
                               birth through age 20 years in accordance with
                               AHCCCS EPSDT periodicity schedule".

25.3     The provisions for all other long term care services can be found in
         the ALTCS Program Management Manual, Attachment I.

26.0     Clinical Laboratory Improvement Amendment (CLIA)

         26.1     In accordance with the Clinical Laboratory Improvement
                  Amendments of 1988 (CLIA), those subcontracts with providers
                  who perform laboratory services must have a CLIA certificate
                  of waiver or certificate of registration in order to legally
                  perform laboratory testing. This includes providers who are
                  one of the following:

                  26.1.1       A clinical laboratory;

                  26.1.2       A physician that provides in-office laboratory
                               services; or

                  26.1.3       Any other provider of laboratory services.

         26.2     AHCCCSA will provide the effective dates and affected services
                  to the Program Contractor, as approved by HCFA. Different
                  effective dates may be applied to differing groups of
                  providers (i.e., a date may be specified for clinical
                  laboratories only). Upon the specified effective date of the
                  CLIA implementation for Arizona, if AHCCCSA does not have a
                  CLIA identification number on its records for these services,
                  the subcontractor's claims may be subject to recovery or
                  sanctions.

27.      INSURANCE

         Subcontractor shall maintain for the duration of this subcontract a
         policy or policies of professional liability insurance, comprehensive
         general liability insurance and automobile liability insurance in an
         amount of at least $1,000,000 for each occurrence. Subcontractor agrees
         that any insurance protection required by this subcontract, or
         otherwise obtained by Subcontractor, shall not limit the responsibility
         of Subcontractor to indemnify, keep and save harmless and defend the
         state and AHCCCSA, their agents, officers and employees as provided
         herein. Furthermore, Subcontractor shall be fully responsible for all
         tax obligations, Worker's Compensation Insurance, and all other
         applicable insurance coverage, for itself and its employees, and
         AHCCCSA shall have no responsibility or liability for any such taxes or
         insurance coverage.
<PAGE>   31
                                 ATTACHMENT B.2

           ARIZONA HEALTH CARE COST CONTAINMENT SYSTEM ADMINISTRATION

                 AHCCCS Approved Minimum Subcontract Provisions

                                  October 1994

1.       EVALUATION OF QUALITY, APPROPRIATENESS, OR TIMELINESS OF SERVICES

         The Arizona Health Care Cost Containment System Administration
         ("AHCCCSA") or the U.S. Department of Health and Human Services may
         evaluate, through inspection or other means, the quality,
         appropriateness or timeliness of services performed by the
         Subcontractor under this subcontract.

2.       RECORDS AND REPORTS

         The Subcontractor shall maintain all forms, records, reports, working
         papers used in the preparation of reports, files, correspondence,
         financial statements, records relating to the quality of care, medical
         records, prescription files, statistical information and other records
         specified by AHCCCSA, for purposes of audit and program management. The
         Subcontractor shall comply with all specifications for record-keeping
         established by AHCCCSA. All books and records shall be maintained to
         the extent and in such detail as will properly reflect each service
         provided and all net costs, direct and indirect, of labor, materials,
         equipment, supplies and services, and other costs and expenses of
         whatever nature for which payment is made by the Contractor to the
         Subcontractor. Such material shall be subject to inspection and copying
         by the State, AHCCCSA and the U.S. Department of Health and Human
         Services during normal business hours at the place of business of the
         person or organization maintaining the records.

         The Subcontractor agrees to make available at the office of the
         Subcontractor at all reasonable times during the periods set forth
         below any of its records for inspection, audit or reproduction by any
         authorized representative of the State or federal government.

         The Subcontractor shall preserve and make available all records for a
         period of five years from the date of final payment under this
         subcontract except as provided in paragraphs (1) and (2) below.

         (1)      If this subcontract is completely or partially terminated, the
                  records relating to the work terminated shall be preserved and
                  made available for a period of five years from the date of any
                  such termination.
<PAGE>   32
         (2)      If disputes, litigations or the settlement of claims arising
                  out of the performance of this subcontract, or costs and
                  expenses of this subcontract as to which exception has been
                  taken by the State are not disposed of within five years from
                  the date of final payment under this contract, the records
                  shall be retained by the Subcontractor until such disputes,
                  litigations, claims or exceptions have been disposed of.

         The Subcontractor shall provide all reports requested by AHCCCSA, and
         all information from its records relating to the performance of this
         Subcontract which AHCCCSA may reasonably require. The Subcontractor
         reporting requirements hereunder may include but are not limited to
         timely and detailed utilization statistics, information and reports.
         The Subcontractor shall certify to its Contractor that it has not
         engaged in conduct prohibited by Section 1128B of the Social Security
         Act (42 U.S.C. 1320A.-7B).

3.       LIMITATIONS ON BILLING AND COLLECTION PRACTICES

         The Subcontractor shall not bill or attempt to collect from any AHCCCS
         member for providing any AHCCCS covered services except for co-payments
         permitted by AHCCCS Rule R9-22-702.

4.       ASSIGNMENT OF RIGHTS AND RESPONSIBILITIES

         No payment due the Subcontractor under this subcontract may be assigned
         without the prior approval of AHCCCSA. No assignment of the duties of
         this subcontract shall be valid unless prior written approval is
         received from AHCCCSA.

5.       AHCCCSA APPROVAL OF SUBCONTRACTS, AMENDMENTS OR TERMINATIONS

         This subcontract is subject to prior approval by AHCCCSA. Subcontractor
         shall notify AHCCCSA in the event of any prospective amendment or
         termination during the term hereof. Any such amendment or termination
         is subject to the prior approval by AHCCCSA. Approval of the
         Subcontract may be rescinded by the Director of AHCCCSA for violation
         of federal or state laws or rules.

6.       WARRANTY or SERVICES

         The Subcontractor, by execution of this Subcontract, warrants that it
         has the ability, authority, skill, expertise and capacity to perform
         the services specified hereunder in connection with the AHCCCS Program.
<PAGE>   33
7.       SUBJECTION OF SUBCONTRACT

         The terms of this Subcontract shall be subject to the applicable
         material terms and conditions of the contract existing between
         Contractor and AHCCCSA for provision of AHCCCS services.

8.       COOPERATION OF SUBCONTRACTOR

         The Subcontractor specifically acknowledges that AHCCCSA may undertake
         or award other contracts for additional or related work to the work
         performed by the Subcontractor, and that the Subcontractor shall fully
         cooperate with such other Contractors and Subcontractors and State
         employees, and carefully fit its own work to such other Contractors' or
         Subcontractors' work. The Subcontractor shall not commit or permit any
         act which will interfere with the performance of work by any other
         Contractor, or Subcontractor or by State employees.

9.       INDEMNIFICATION BY SUBCONTRACTOR

         The Subcontractor agrees to hold harmless the State, all State officers
         and employees, AHCCCSA and employees of AHCCCSA and all AHCCCS members
         in the event of nonpayment by the Contractor to the Subcontractor. The
         Subcontractor shall further indemnify and hold harmless the State and
         AHCCCSA, and their agents, officers and employees against all injuries,
         deaths, losses, damages, claims, suits, liabilities, judgments, costs
         and expenses which may in any manner accrue against the State or
         AHCCCSA, or their agents, officers or employees, through the
         intentional conduct, negligence or omission of the Subcontractor, its
         agents, officers, employees or Contractors.

10.      MAINTENANCE OF LICENSING TO DO BUSINESS AND PROVIDE SERVICES

         The Subcontractor shall obtain and maintain all licenses, permits and
         authority necessary to do business and render services under this
         Subcontract, and, if applicable, shall comply with all laws regarding
         safety, unemployment insurance, disability insurance and worker's
         compensation.

11.      COMPLIANCE WITH LAWS AND OTHER REQUIREMENTS

         The Subcontractor shall comply with all federal, state and local laws,
         rules, regulations, standards and executive orders governing
         performance of duties under this subcontract, without limitation to
         those designated within this Subcontract.

12.      COMPLIANCE WITH TITLE XIX AND A.R.S. Section 36-2901, ET SEQ.

         The Subcontractor shall comply with provisions of federal laws and
         regulations governing the Title XIX Program, except for those
         requirements waived for the State by
<PAGE>   34
         the federal government. The Subcontractor shall comply with the
         provisions of ARS S36-2901 et. seq., governing the Arizona Health Care
         Cost Containment System and with all applicable rules promulgated by
         AHCCCSA.

13.      SEVERABILITY

         If any provision of these standard subcontract terms and conditions is
         held invalid or unenforceable, the remaining provisions shall continue
         valid and enforceable to the full extent permitted by law.

14.      VOIDABILITY OF SUBCONTRACT

         This subcontract is voidable and subject to immediate termination by
         AHCCCSA upon the Subcontractor becoming insolvent or filing proceedings
         in bankruptcy or reorganization under the United States Code, or upon
         assignment or delegation of the Subcontract without AHCCCSA's prior
         written approval.

15.      CONFIDENTIALITY REQUIREMENT

         Confidential information shall be safeguarded pursuant to 42 CFR Part
         431, Subpart F, ARS Sections 36-107, 36-2903, 41-1959 and 46-135,
         and AHCCCS Rule R9-22-512.

16.      GRIEVANCE PROCEDURES

         Any grievances filed by the subcontractor shall be adjudicated in
         accordance with AHCCCS Acute Care Rules, Article 8.

17.      TERMINATION OF SUBCONTRACT

         AHCCCSA may, by written notice to the Subcontractor, terminate this
         subcontract if it is found, after notice and hearing by the State, that
         gratuities in the form of entertainment, gifts, or otherwise were
         offered or given by the Subcontractor, or any agent or representative
         of the Subcontractor, to any officer or employee of the State agent
         with a view towards securing a contract or securing favorable treatment
         with respect to the awarding, amending or making of any determinations
         with respect to the performing of such Subcontract; provided, that the
         existence of the facts upon which the State makes such findings shall
         be in issue and may be reviewed in any competent court. If the
         subcontract is terminated under this section, unless the Contractor is
         a governmental agency, instrumentality or subdivision thereof, AHCCCSA
         shall be entitled to a penalty in addition to any other damages to
         which it may be entitled by law and to exemplary damages in the amount
         of three times the cost incurred by the Subcontractor in providing any
         such gratuities to any such officer or employee.
<PAGE>   35
18.      PRIOR AUTHORIZATION/UTILIZATION REVIEW

         Contractor and Subcontractor shall develop, maintain and use a system
         for Prior Authorization and Utilization Review which is consistent with
         AHCCCS Rules and the Contractor's policies.

19.      NON-DISCRIMINATION REQUIREMENTS

         The Subcontractor shall comply with Title VII of the Civil Rights Act
         of 1964, as amended, the Age Discrimination In Employment Act, State
         Executive Order 75-5 and Federal Executive order 11246 which mandates
         that all persons, regardless of race, color, religion, sex, age,
         national origin or political affiliation, shall have equal access to
         employment opportunities. If applicable, the Subcontractor shall comply
         with Section 503 of the Rehabilitation Act of 1973, as amended which
         prohibits discrimination in the employment or advancement of the
         employment of qualified persons because of physical or mental handicap.
         If applicable, the Subcontractor shall comply with Title VI of the
         Civil Rights Act of 1964, which prohibits the denial of benefits of, or
         participation in covered services on the basis of race, color or
         national origin. If applicable, the Subcontractor shall comply with the
         requirement of Section 504 of the Rehabilitation Act of 1973, as
         amended which prohibits discrimination on the basis of handicap in
         delivering covered services.

20.      COMPLIANCE WITH AHCCCSA RULES RELATING TO AUDIT AND INSPECTION

         The Subcontractor shall comply with AHCCCSA Rule R9-22-403 relating to
         the audit of the Subcontractor's records and the inspection of the
         Subcontractor's facilities.

21.      CERTIFICATION OF TRUTHFULNESS OF REPRESENTATION

         By execution of this Subcontract, the Subcontractor and Contractor
         certify to AHCCCSA that all representations set forth herein are true
         to the best of their knowledge.

22.      CONFLICT IN INTERPRETATION OF PROVISIONS

         In the event of any conflict in interpretation between provisions of
         the Subcontract and these AHCCCSA Standard Subcontract Terms and
         Conditions, these AHCCCSA Standard Subcontract Terms and Conditions
         shall govern.

23.      ADDITIONAL SUBCONTRACT CONTENT REQUIREMENTS

         In addition to the above provisions, each Subcontract must contain the
         following:

         a.       Full disclosure of the method and amount of compensation or
                  other consideration to be received by the Subcontractor.
<PAGE>   36
         b.       Identification of the name and address of the Subcontractor.

         c.       Identification of the population, to include patient capacity,
                  to be covered by the Subcontractor.

         d.       The amount, duration and scope of medical services to be
                  provided, or for which compensation will be paid.

         e.       The term of the Subcontract.

         f.       The specific duties of the Subcontractor relating to
                  determination of third-party liability and coordination of
                  benefits.

         g.       A description of the Subcontractor's patient medical record
                  and cost record keeping systems.

         h.       Participation requirements for Subcontractors regarding the
                  Quality Management/Utilization Management programs.

         i.       A provision that the Subcontractor agrees to identify Medicare
                  and other third-party liability coverage and to seek such
                  Medicare or third-party liability payment before submitting
                  claims to the Contractor.

24.      REQUIREMENTS RELATING TO MERGER, REORGANIZATION, AND OWNERSHIP CHANGE

         A merger, reorganization, or change in ownership of a Subcontractor
         that is related or affiliated to the Contractor shall constitute a
         contract amendment and shall require prior approval of AHCCCSA.

25.      ENCOUNTER DATA REQUIREMENT

         If Subcontractor does not bill Contractor for individual services,
         (e.g., Subcontractor is capitated), Subcontractor shall submit
         encounter data to the Contractor in a form acceptable to AHCCCA.

26.      LABORATORY SERVICES

         The Clinical Laboratory Improvement Amendment (CLIA) of 1988 requires
         laboratories and other facilities that test human specimens to obtain
         either a CLIA Waiver or CLIA Certificate in order to obtain
         reimbursement from the Medicare and Medicaid (AHCCCS) programs. In
         addition, they must meet all the requirements of 42 CFR 493, Subpart A.
<PAGE>   37
         To comply with these requirements, AHCCCSA requires all clinical
         laboratories to provide verification of CLIA Licensure or Certificate
         of Waiver during the provider registration process. Failure to do so
         shall result in either a termination of an active provider ID number,
         or denial of initial registration. These requirements apply to all
         clinical laboratories.

         Pass-through billing or other similar activities with the intent of
         avoiding the above requirements are prohibited. Contractor may not
         reimburse providers who do not comply with the above requirements.

27.      INSURANCE

         Subcontractor shall maintain for the duration of this subcontract a
         policy or policies of professional liability insurance, comprehensive
         general liability insurance and automobile liability insurance in an
         amount of at least $1,000,000 for each occurrence. Subcontractor agrees
         that any insurance protection required by this subcontract, or
         otherwise obtained by Subcontractor, shall not limit the responsibility
         of Subcontractor to indemnify, keep and save harmless and defend the
         State and AHCCCSA, their agents, officers and employees as provided
         herein. Furthermore, Subcontractor shall be fully responsible for all
         tax obligations, Worker's Compensation Insurance, and all other
         applicable insurance coverage, for itself and its employees, and
         AHCCCSA shall have no responsibility or liability for any such taxes or
         insurance coverage.
<PAGE>   38
                       THIS PAGE INTENTIONALLY LEFT BLANK
<PAGE>   39
                                  ATTACHMENT C

                            CONFIDENTIALITY AGREEMENT

1.       AGREEMENT

         The undersigned Licensee has received and will receive access to
Licensor's Software Products and Information subject to the terms and conditions
set forth below.

2.       DEFINITIONS

         Licensor refers to Digital Sciences Inc. Licensee refers to Pima County
and its affiliates, the other party signing this Confidentiality Agreement.
Licensor Product refers to a software product and all documentation related
thereto created and produced by Licensor and its subsidiaries. Licensor
Information refers to all information, whether oral or written, manuals or
on-line documentation, relating to Licensor products and the business operations
(e.g. management, methods, finances, customers and business plans and
strategies) of Licensor and its subsidiaries, except such information which
Licensee documents (a) is or becomes generally known to Licensor's industry
through no fault of Licensee, (B) is already rightfully known by Licensee
through means other than disclosure by Licensor, (C)is rightfully received by
Licensee from a third party having no obligation of confidence regarding such
information, or (D) is independently developed by Licensee without breach of
this Confidentiality Agreement.

         Licensor's use of particular information in its products and its
business operations is confidential, whether or not the particular information
is generally known, unless one of the exceptions applies to the fact of
Licensor's use of that particular information. A combination of information is
confidential, even if exceptions apply to parts of the combination, unless one
of the exceptions applies to the combination and its principles of operation and
its economic value.

3.       ACKNOWLEDGMENTS

         3.1 Licensor Products and all techniques, algorithms, data models,
stored procedures, schemas, and processes contained therein or any modification,
extraction, or extrapolation thereof are the property and trade secrets of
Licensor. The expression thereof is also protected under the Copyright laws. The
copyright notice on Licensor products does not imply unrestricted or public
access to these materials. 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 Confidentiality Agreement or other written agreement
with Licensor. All rights are reserved.

         3.2 Licensor information is the property and trade secret of Digital
Sciences Inc.
<PAGE>   40
         3.3 Licensee acknowledges that any Licensor Products or Information
which may have been disclosed to Licensee prior to the Confidentiality Agreement
is subject to the terms and conditions herein.

         3.4 This Confidentiality Agreement does not grant a license or any
other right to Licensor products or Information, except the disclosure rights
expressly set forth herein.

         3.5 The provisions of this Confidentiality Agreement are in addition to
and not exclusive of any and all other obligations and duties of the Licensee
with respect to Licensor Products and Information, whether express or implied,
oral or written, in fact or in law.

         3.6 For the sole purpose of Licensor enforcing this Confidentiality
Agreement through injunctive relief, Licensee acknowledges that the unauthorized
use or disclosure of Licensor Products or Information would cause irreparable
harm to Licensor. Such remedy shall not limit Licensor from pursuing any other
remedy, in law or in equity, available to Licensor for a breach or anticipatory
breach of this Confidentiality Agreement.

4.       DISCLOSURE TERMS

         4.1 Licensee shall hold in confidence all Licensor products and
Information which Licensee has received or Will receive, using at least the same
degree of care as Licensee exercises for its own trade secrets.

         4.2 Licensee shall not use or disclose Licensor Products or information
which Licensee has received or will receive, without Licensor's prior written
approval, except as set forth in Sections 4.3 and 5.

         4.3 Licensee may disclose appropriate portions of Licensor Products and
Information to such of Licensee's employees who have been informed of Licensee's
obligation to protect the intellectual property rights of Licensor and who have
a specific, legitimate need to access such portions of Licensor's Product and
Information. Licensee may copy the Licensor Product and Information as
reasonably necessary to accomplish such purpose with due regard for Licensee's
obligations herein (e.g. to limit use and disclosure and to return all copies).

         4.4 Licensee shall notify Licensor of any potential breaches of
security. Licensee agrees to reproduce Licensor's copyright and proprietary
notices on all copies or transmissions of Licensor Products and information.
Licensee shall not remove or obscure any copyright or other proprietary notices
from Licensor Products or Information. Licensee shall not take any action
inconsistent with Licensor's intellectual property rights in the Licensor
Products. Licensee shall not take any action to reverse engineer-any Licensor
product or any part thereof. Licensee and standard reports generated from
QMACS(TM) software are specifically excluded from requirements of displaying
Copyright notices of Licensor.
<PAGE>   41
5.       DISCLOSURE REQUIRED BY LAW

         5.1 If Licensee is ordered by a court or other governmental body of
competent jurisdiction to disclose Licensor Product information, Licensee shall
not be liable for disclosures required by such order if the Licensee reasonably
complies with the following requirements: (a) when Licensee becomes aware of
such an order or the possibility of such an order. Licensee shall immediately
notify Licensor by the most expedient means, (b) Licensee shall join a motion by
Licensor for an order protecting the confidentiality of Licensor Products or
Information, including a motion for leave to intervene by Licensor, and if an
issued order calls for immediate disclosure, Licensee shall immediately request
a stay of such order to permit Licensor to respond as set forth in
subparagraph(b).

6.       TERMINATION

         6.1 Within fifteen (15) days of notice or termination, Licensee agrees
to immediately return or destroy all copies of all Licensor Products and
Information as directed by Licensor and to provide written certification to
Licensor of having complied with Licensor's direction.

         6.2 Licensee's obligations under this Confidentiality Agreement shall
continue for a period of five (5) years after termination.

7.       GENERAL PROVISIONS

         7.1 Governing Law. This Confidentiality Agreement shall be governed by
the laws of the State of Arizona, without regard to its choice of law
principles.

         7.2 Modifications to agreement. Licensor and Licensee acknowledge that
neither has been induced into this Confidentiality Agreement by any condition,
representation, or warranty not set forth in this Confidentiality Agreement. Any
modifications to this Agreement are invalid unless confirmed in a writing which
states that it amends this Agreement and which is signed by an authorized
officer of Licensee and Licensor's President. Any subsequent agreements are
invalid unless confirmed in a writing which is signed by an authorized officer
of the Licensee and Licensor's President.

         7.3 No Waiver. The failure of either party at any time to require
performance by the other party of any provision of the Confidentiality Agreement
shall in no way affect the right of such party to require performance of that
provision. Nor shall such failure be constructed as a waiver of any continuing
or succeeding breach of such provision, a wavier of the provision itself, or a
wavier of any right under this Confidentiality Agreement.

         7.4 Partial Invalidity. If any provision of this Agreement is held
invalid, such invalidity shall not affect other provisions of this Agreement
which can be given effect without the invalid provisions. Provisions deemed to
be invalid shall be reformed to the minimum extent necessary to render them
valid at such time and, to the extent possible, in accordance with the original
intent of the parties. For example, it is the intention of the parties that, if
a court deems
<PAGE>   42
any provision of this contract to be invalid because of the duration of such
provision or the area or matter covered thereby, such court shall reduce the
duration, area, or matter of such provision and, in its reduced form, such
provision shall be enforced.

         7.5 Interpretation. "Include," "includes," and "including" shall be
interpreted as introducing a list of examples which do not limit the generality
of the concept they illustrate. "Modification" to the product includes
corrections to the product, additions to the product, and translations of the
product. "Intellectual property rights" refers to patent right, copyright, or
trade secret right

         7.6 Notice. Any notice given pursuant to this Confidentiality Agreement
shall be in writing, shall state that it is a notice given pursuant to this
Confidentiality Agreement, and shall be sent by certified mail to the address
indicated below.

         IN WITNESS WHEREOF, the parties hereto have caused this Confidentiality
Agreement to be written, and the persons sign on behalf of their respective
parties.

FOR LICENSEE:  PIMA COUNTY, AZ      FOR LICENSOR:  DIGITAL SCIENCES INC.

Name:          C.H. Huckelberry             A. Bruce Oliver

By:

Title:         County Administrator         Chief Executive Officer

Address:       130 W. Congress St.          103 S. Southgate, Suite 1
               Tucson, AZ                   Chandler, AZ 85226

Date:

Approval as to Form:

--------------------------------
Deputy County Attorney

Reviewed and Approved by:

--------------------------------
PHMS Administrator

<PAGE>   43
                                   PIMA COUNTY
                               PIMA HEALTH SYSTEM
                               CONTRACT AMENDMENT
<TABLE>
<CAPTION>

<S>                                <C>                               <C>                             <C>
    1.   CONTRACT                     2.   CONTRACT                   3.  EFFECTIVE DATE                 4.   SERVICE 01
         AMENDMENT                         NUMBER                         OF AMENDMENT
------------------------------     ------------------------------    ------------------------------   ------------------------------
                01                      11-15-D-121149-0196                       1/1/99              Out Source Information Systems
------------------------------     ------------------------------    ------------------------------   ------------------------------
</TABLE>
5.    CONTRACTOR/PROVIDER NAME & ADDRESS
      Quality Care Solutions, Inc.
      5030 E. Sunrise Drive
      Phoenix, AZ  85044
--------------------------------------------------------------------------------
6.    PURPOSE:
A.    To extend the term of the Agreement.
B.    To amend Responsibilities.
C.    To increase reimbursement ceiling.
D.    To revise AHCCCS Subcontract Provisions.
E.    To amend Attachment A.
F.    To amend Attachment A.1.
G.    To add the current 1997 AHCCCS Subcontract Provisions.
--------------------------------------------------------------------------------
7. THE ABOVE REFERENCED CONTRACT IS HEREBY AMENDED AS FOLLOWS:
   [Confidential treatment has been requested]

A. ARTICLE I - TERM The term of the Agreement is extended from January 1, 1999
   through December 31, 2001.

B. ARTICLE II - RESPONSIBILITIES, SECTIONS F, G AND U Are deleted in their
   entirety.

C. ARTICLE III - REIMBURSEMENT The contract reimbursement ceiling is increased
by $540,000 for a total contract reimbursement ceiling not to exceed $1,740,213.

D. ARTICLE VII - AHCCCS SUBCONTRACT PROVISIONS Is revised as follows:

    COMPANY agrees to comply with all AHCCCS Subcontract Provisions contained in
ATTACHMENT B as updated by AHCCCSA.

E. ATTACHMENT A - C. REVISED SCHEDULE OF CHARGES, SECTION 1 "Base PMPM" is
   replaced throughout with "Base/PMPM". The following Base Fee and PMPM Fee is
   replaced as follows, and all other language remains unchanged:

      1.   BASE FEE - Minimum Monthly [****]

           PMPM FEE - Applies if enrollment exceeds [****] Members, reference
Attachment "A.1".

F. ATTACHMENT A.1 "Base PMPM" is replaced throughout with "Base/PMPM". The
   following Base PMPM is replaced as follows, and Additional Charges remains
   unchanged:

   BASE/PMPM
   The following rates apply when PLAN operates on QMACS 2.0 Version without
   any additional hardware purchased and maintained by COMPANY.

   MINIMUM MONTHLY FEE: The Minimum Monthly fee paid to COMPANY by PLAN on the
   first of each month shall be Fifteen Thousand Dollars ($15,000) beginning
   with the first (1st) day of the month following the execution of Amendment
   number one (1) and continuing through the termination date of this Agreement.
   The PMPM Software License Fee shall be the greater of the Minimum Monthly Fee
   or [****] Per Member Per Month (PMPM) up to [****] Members per Month, plus
   1.75 Per Member Per Month (PMPM) [****] or more Members per Month.

   The following rates apply when PLAN operates on QMAC 3.x or subsequent
   version and COMPANY provides additional upgraded hardware:

   MINIMUM MONTHLY FEE: The Minimum Monthly Fee paid to COMPANY by PLAN on the
   first of each month shall be [****] beginning with the first (1st) day of the
   month following the conversion to live operation of QMACS 3.x higher version
   and continuing through the termination date of this Agreement.

   The PMPM Software License Fee shall be the greater of the Minimum Monthly Fee
   or the following PMPM Software License Fee to the respective level of the
   Active Members.

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

                                       1

                    **** - Confidential Treatment Requested
<PAGE>   44
<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------
   1. CONTRACT       2. CONTRACT          3. EFFECTIVE DATE       4. SERVICE 01
      AMENDMENT         NUMBER               OF AMENDMENT
<S>                  <C>                     <C>               <C>
         01          11-15-D-121149-0196         1/1/99        Out Source Information Systems
---------------------------------------------------------------------------------------------
</TABLE>

   $[****] Per Member Per Month (PMPM) from [****] members per month plus
   $[****] Member Per Month (PMPM) from Per [****] and up members per month
   The above are cumulative up to the respective total number of PLAN's Active
   Member enrollments being administered through the use of QMACS Software.

 G. ATTACHMENT B.1 AND B.2 AHCCCS/ALTCS 1997 SUBCONTRACT PROVISIONS Are replaced
    with the current Attachment B, 1997 AHCCCS Subcontract Provisions.

8. ALL OTHER ELEMENTS OF THIS AGREEMENT AS PREVIOUSLY CHANGED OR AMENDED REMAIN
   UNCHANGED. IN WITNESS THEREOF, THE PARTIES HERETO SIGN THEIR NAMES IN
   AGREEMENT.

PIMA COUNTY                                      COMPANY:

/s/                                          /s/
---------------------------------------     ------------------------------------
Chairman, Board of Supervisors               Quality Care Solutions, Inc.

January 5,  1999
---------------------------------------
Date

ATTEST:

/s/
---------------------------------------
Clerk of the Board

APPROVED AS TO FORM:                        REVIEWED AND APPROVED BY:

/s/                                         /s/
---------------------------------------     ------------------------------------
Deputy County Attorney                      PHMS Administrator

                                       2

                    **** - Confidential Treatment Requested
<PAGE>   45

                                  ATTACHMENT A

                   ARIZONA HEALTH CARE COST CONTAINMENT SYSTEM

                                AHCCCS AND ALTCS
                         MINIMUM SUBCONTRACT PROVISIONS

                                      1997

1.         EVALUATION OF QUALITY, APPROPRIATENESS, OR TIMELINESS OF SERVICES

The Arizona Health Care Cost Containment System Administration (AHCCCSA) or the
U.S. Department of Health and Human Services may evaluate, through inspection or
other means, the quality, appropriateness or timeliness of services performed
under this subcontract.

2.         RECORDS AND REPORTS

The Subcontractor shall maintain all forms, records, reports and working papers
used in the preparation of reports, files, correspondence, financial statements,
records relating to quality of care, medical records, prescription files,
statistical information and other records specified by AHCCCSA for purposes of
audit and program management. The Subcontractor shall comply with all
specifications for record-keeping established by AHCCCSA. All books and records
shall be maintained to the extent and in such detail as shall properly reflect
each service provided and all net costs, direct and indirect, of labor,
materials, equipment, supplies and services, and other costs and expenses of
whatever nature for which payment is made to the Subcontractor. Such material
shall be subject to inspection and copying by the state, AHCCCSA and the U.S.
Department of Health and Human Services during normal business hours at the
place of business of the person or organization maintaining the records.

The Subcontractor agrees to make available at the office of the Subcontractor,
at all times reasonable times, any of its records for inspection, audit or
reproduction, by any authorized representative of the state or federal
governments.

The Subcontractor shall preserve and make available all records for a period of
five years from the date of final payment under this subcontract except as
provided in paragraphs a. and b. below:

a.         If this subcontract is completely or partially terminated, the
           records relating to the work terminated shall be preserved and made
           available for a period five years from the date of any such
           termination.

b.         Records which relate to disputes, litigation or the settlement of
           claims arising out of the performance of this subcontract, or costs
           and expenses of this subcontract to which

                                      1
<PAGE>   46

      exception has been taken by the state, shall be retained by the
      Subcontractor until such disputes, litigation, claims or exceptions have
      been disposed of.

The Subcontractor shall provide all reports requested by AHCCCSA, and all
information from records relating to the performance of the Subcontractor which
AHCCCSA may reasonably require. The Subcontractor reporting requirements may
include, but are not limited to, timely and detailed utilization statistics,
information and reports.

The Subcontractor shall certify to the Contractor that it has not engaged in
conduct prohibited by Section1128B of the Social Security Act (42 USC 1320a-7b).

3.         LIMITATIONS ON BILLING AND COLLECTION PRACTICES

The Subcontractor shall not bill, nor attempt to collect payment directly or
through a collection agency from a person claiming to be AHCCCS eligible without
first receiving verification from AHCCCSA that the person was ineligible for
AHCCCS on the date of service, or that services provided were not AHCCCS covered
services. This provision shall not apply to patient contributions to the cost of
services delivered by nursing homes.

4.         ASSIGNMENT AND DELEGATION OF RIGHTS AND RESPONSIBILITIES

To payment due the Subcontractor under this subcontract may be assigned without
the prior approval of AHCCCSA. No assignment or delegation of the duties of this
subcontract shall be valid unless prior written approval is received from
AHCCCSA.

5.         APPROVAL OF SUBCONTRACTS, AMENDMENTS OR TERMINATIONS

This subcontract is subject to prior approval by AHCCCSA. The Contractor shall
notify AHCCCSA in the event of any proposed amendment or termination during the
term hereof. Any such amendment or termination is subject to the prior approval
of AHCCCSA. Approval of the subcontract may be rescinded by the Director of
AHCCCSA for violation of federal or state laws or rules.

6.         WARRANTY OF SERVICES

The Subcontractor, by execution of this subcontract, warrants that it has the
ability, authority, skill, expertise and capacity to perform the services
specified in this contract.

7.         SUBJECTION OF SUBCONTRACT

The terms of this subcontract shall be subject to the applicable material terms
and conditions of the contract existing between the Contractor and AHCCCSA for
the provision of covered services.

                                       2
<PAGE>   47

8.         AWARDS OF OTHER SUBCONTRACTS

AHCCCSA and/or the Contractor may undertake or award other contracts for
additional or related work to the work performed by the Subcontractor and the
Subcontractor shall fully cooperate with such other contractors, subcontractors
or state employees. The Subcontractor shall not commit or permit any act which
will interfere with the performance of work by any other contractor,
subcontractor or state employee.

9.         INDEMNIFICATION BY SUBCONTRACTOR

The Subcontractor agrees to hold harmless the state, all state officers and
employees, AHCCCSA and other appropriate state agencies, and all officers and
employees of AHCCCSA and all AHCCCS eligible persons in the event of nonpayment
to the Subcontractor. The Subcontractor shall further indemnify and hold
harmless the state, AHCCCSA, other appropriate state agencies, AHCCCS
contractors, and their agents, officers and employees against all injuries,
deaths, losses, damages, claims, suits, liabilities, judgments, costs and
expenses which may, in any manner accrue against the State, AHCCCSA or its
agents, officers or employees, or AHCCCS contractors, through the intentional
conduct, negligence or omission of the Subcontractor, its agent, officers or
employees.

10.        MAINTENANCE OF REQUIREMENTS TO DO BUSINESS AND PROVIDE SERVICES

The Subcontractor shall be registered with AHCCCSA and shall obtain and maintain
all licenses, permits and authority necessary to do business and render service
under this subcontract and, where applicable, shall comply with all laws
regarding safety, unemployment insurance, disability insurance and worker's
compensation.

11.        COMPLIANCE WITH LAWS AND OTHER REQUIREMENTS

The Subcontractor shall comply with all federal, State and local laws, rules,
regulations, standards and executive orders governing performance of duties
under this subcontract, without limitation to those designated within this
subcontract.

12.        SEVERABILITY

If any provision of these standard subcontract terms and conditions is held
invalid or unenforceable, the remaining provisions shall continue valid and
enforceable to the full extent permitted by law.

13.        VOIDABILITY OF SUBCONTRACT

This subcontract is voidable and subject to immediate termination by AHCCCSA
upon the Subcontractor becoming insolvent or filing proceedings in bankruptcy or
reorganization under the United States Code, or upon assignment or delegation of
the subcontract without AHCCCSA's prior written approval.

                                       3
<PAGE>   48

14.        CONFIDENTIALITY REQUIREMENT

Confidential information shall be safeguarded pursuant to 42 CFR Part 431,
Subpart F, ARS Section36-107, 36-2903, 41-1959 and 46-135, and AHCCCS and/or
ALTCS Rules.

15.        GRIEVANCE PROCEDURES

Any grievances filed by the Subcontractor shall be adjudicated in accordance
with AHCCCS Rules.

16.        TERMINATION OF SUBCONTRACT

AHCCCSA may, by written notice to the Subcontractor, terminate this subcontract
if it is found, after notice and hearing by the State, that gratuities in the
form of entertainment, gifts, or otherwise were offered or given by the
Subcontractor, or any agent or representative of the Subcontractor, to any
officer or employee of the State with a view towards securing a contract or
securing favorable treatment with respect to the awarding, amending or the
making of any determinations with respect to the performance of the
Subcontractor; provided, that the existence of the facts upon which the state
makes such findings shall be in issue and may be reviewed in any competent
court. If the subcontract is terminated under this section, unless the
Contractor is a governmental agency, instrumentality or subdivision thereof,
AHCCCSA shall be entitled to a penalty, in addition to any other damages to
which it may be entitled by law, and to exemplary damages in the amount of three
times the cost incurred by the Subcontractor in providing any such gratuities to
any such officer or employee.

17.        PRIOR AUTHORIZATION AND UTILIZATION REVIEW

The Contractor and Subcontractor shall develop, maintain and use a system for
Prior Authorization and Utilization Review which is consistent with AHCCCS Rules
and the Contractor's policies.

18.        NON-DISCRIMINATION REQUIREMENTS

If applicable, the Subcontractor shall comply with:

a.         The Equal Pay Act of 1963, as amended, which prohibits sex
           discrimination in the payment of wages to men and women performing
           substantially equal work under similar working conditions in the same
           establishment.

b.         Titled VI of the Civil Rights Act of 1964, as amended, which
           prohibits the denial of benefits of, or participation in, contract
           services on the basis of race, color, or national origin.

                                       4
<PAGE>   49

c.         Title VII of the Civil Rights Act of 1964, as amended which prohibits
           private employers, state and local governments, and educational
           institutions from discriminating against their employees and job
           applicants on the basis of race, religion, color, sex, or national
           origin.

d.         Title I of the Americans with Disabilities Act of 1990, as amended,
           which prohibits private employers and state and local governments
           from discriminating against job applicants and employees on the basis
           of disability.

e.         The Civil Rights Act of 1991, which reverses in whole or in part,
           several recent Supreme Court decisions interpreting Title VII.

f.         The Age Discrimination in Employment Act (ARS Title 41-1461, et
           seq.); which prohibits discrimination based on age.

g.         State Executive Order 75-5 and Federal Order 11246 which mandates
           that all persons, regardless of race, color, religion, sex, age,
           national origin or political affiliation, shall have equal access to
           employment opportunities.

h.         Section 503 of the Rehabilitation Act of 1973, as amended, which
           prohibits discrimination in the employment or advancement of the
           employment of qualified persons because of physical or mental
           handicap.

i.         Section 504 of the Rehabilitation Act of 1973, as amended, which
           prohibits discrimination on the basis of handicap in delivering
           contract services.

19. COMPLIANCE WITH AHCCCS RULES RELATING TO AUDIT AND INSPECTION

The Subcontractor shall comply with all applicable AHCCCS Rules and Audit Guide
relating to the audit of the Subcontractor's records and the inspection of the
Subcontractor's facilities. If the Subcontractor is an inpatient facility, the
Subcontractor shall file uniform reports and Title XVIII and Title XIX cost
reports with AHCCCSA.

20. CERTIFICATION OF TRUTHFULNESS OF REPRESENTATION

By signing this subcontract, the Subcontractor certifies that all
representations set forth herein are true to the best of its knowledge.

21. CERTIFICATION OF COMPLIANCE - ANTI-KICKBACK AND LABORA-TORY TESTING

By signing this subcontract, the Subcontractor certifies that is has not engaged
in any violation of the Medicare Anti-Kickback statute 42 USC
SectionSection1320a-7b) or the "Stark I" and "Stark II" laws governing
related-entity referrals (PL 101-239 and PL 101-432) and compensation therefrom.
If the Subcontractor provides laboratory testing, it certifies that it has
complied with 42 CFR
                                       5
<PAGE>   50
Section411.361 and has sent to AHCCCSA simultaneous copies of the information
required by that rule to be sent to the Health Care Financing Administration.

22. CONFLICT IN INTERPRETATION OF PROVISIONS

In the event of any conflict in interpretation between provisions of this
subcontract and the AHCCCS Minimum Subcontract Provisions, the latter shall take
precedence.

23. ENCOUNTER DATA REQUIREMENT

If the Subcontractor does not bill the Contractor (e.g., Subcontractor is
capitated), the Subcontractor shall submit encounter data to the Contractor in a
form acceptable to AHCCCSA.

24. CLINICAL LABORATORY IMPROVEMENT AMENDMENTS OF 1988

The Clinical Laboratory Improvement Amendment (CLIA) of 1988 requires
laboratories and other facilities that test human specimens to obtain either a
CLIA Waiver or CLIA Certificate in order to obtain reimbursement from the
Medicare and Medicaid (AHCCCS) programs.
In addition, they must meet all the requirements of 42 CFR 493, Subpart A.

To comply with these requirements, AHCCCSA requires all clinical laboratories to
provide verification of CLIA Licensure or Certificate of Waiver during the
provider registration process. Failure to do so shall result in either a
termination of an active provider ID number or denial of initial registration.
These requirements apply to all clinical laboratories.

Pass-through billing or other similar activities with the intent of avoiding the
above requirements are prohibited. Contractor may not reimburse providers who do
not comply with the above requirements.

25. INSURANCE

[THIS PROVISION APPLIES ONLY IF THE SUBCONTRACTOR PROVIDES SERVICES DIRECTLY TO
AHCCCS MEMBERS]

The Subcontractor shall maintain for the duration of this subcontract a policy
or policies of professional liability insurance, comprehensive general liability
insurance and automobile liability insurance. The Subcontractor agrees that any
insurance protection required by this subcontract, or otherwise obtained by the
Subcontractor, shall not limit the responsibility of Subcontractor to indemnify,
keep and save harmless and defend the State and AHCCCSA, their agents, officers
and employees as provided herein. Furthermore, the Subcontractor shall be fully
responsible for all tax obligations, Worker's Compensation Insurance, and all
other applicable insurance coverage, for itself and its employees, and AHCCCSA
shall have no responsibility or liability for any such taxes or insurance
coverage.

                                       6
<PAGE>   51

26. FRAUD AND ABUSE

If the Subcontractor discovers, or is made aware, that an incident of potential
fraud or abuse has occurred, the Subcontractor shall report the incident to the
Program Contractor, who shall proceed in accordance with the AHCCCS Health Plans
and Program Contractors Policy for Prevention, Detection and Reporting of Fraud
and Abuse. Incidents involving potential member eligibility fraud should be
reported to AHCCCSA, Office of Managed Care, Member Fraud Unit. All other
incidents of potential fraud should be reported to AHCCCSA, Office of the
Director, Office of Program Integrity. (See AHCCCS Rule R9-22-511.)

               REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK

                                       7

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"}]]