Document:

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                                                                   Exhibit 10.16

                           ARGONAUT TECHNOLOGIES, INC.

                              CONSULTING AGREEMENT

        This Consulting Agreement ("AGREEMENT") is entered into as of January
10, 2002 by and between Argonaut Technologies, Inc. (the "COMPANY") and John T.
Supan ("CONSULTANT").

        WHEREAS, Consultant is the former Chief Financial Officer of the Company
and has resigned to pursue a career as an independent consultant providing chief
financial officer and expert accounting services, primarily to private and
public companies in the life sciences and other industries;

        WHEREAS, The Company desires to retain Consultant as an independent
contractor to act as its Chief Financial Officer during the Company's search for
a permanent chief financial officer, and to assist the Company in connection
with ongoing mergers and acquisition activities, all as more fully detailed in
Exhibit A; and

        WHEREAS, Consultant is willing to perform such services, on the terms
described below.

        NOW THEREFORE, in consideration of the mutual promises contained herein,
the parties agree as follows:

        1. Services and Compensation. Consultant agrees to perform for the
Company the services described in Exhibit A (the "SERVICES"), and the Company
agrees to pay Consultant the compensation described in Exhibit A for
Consultant's performance of the Services.

        2. Confidentiality.

               A. Definition. "CONFIDENTIAL INFORMATION" means any non-public
information that relates to the actual or anticipated business or research and
development of the Company, technical data, trade secrets or know-how,
including, but not limited to, research, product plans or other information
regarding Company's products or services and markets therefor, customer lists
and customers (including, but not limited to, customers of the Company on whom
Consultant called or with whom Consultant became acquainted during the term of
the consulting relationship), software, developments, inventions, processes,
formulas, technology, designs, drawing, engineering, hardware configuration
information, marketing, finances or other business information. Confidential
Information does not include information that (i) has become publicly known and
made generally available through no wrongful act of Consultant or (ii) has been
rightfully received by Consultant from a third party who is authorized to make
such disclosure.

               B. Nonuse and Nondisclosure. Consultant will not, during or
subsequent to the term of this Agreement, (i) use the Confidential Information
for any purpose whatsoever other than the performance of the Services on behalf
of the Company or (ii) disclose the Confidential Information to any third party.
Consultant agrees that all Confidential Information will remain the sole
property

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of the Company. Consultant also agrees to take all reasonable precautions to
prevent any unauthorized disclosure of such Confidential Information. Without
the Company's prior written approval, Consultant will not directly or indirectly
disclose to anyone the existence of this Agreement or the fact that Consultant
has this arrangement with the Company.

               C. Former Client Confidential Information. Consultant agrees that
Consultant will not, during the term of this Agreement, improperly use or
disclose any proprietary information or trade secrets of any former or current
employer of Consultant or other person or entity with which Consultant has an
agreement or duty to keep in confidence information acquired by Consultant, if
any. Consultant also agrees that Consultant will not bring onto the Company's
premises any unpublished document or proprietary information belonging to any
such employer, person or entity unless consented to in writing by such employer,
person or entity.

               D. Third Party Confidential Information. Consultant recognizes
that the Company has received and in the future will receive from third parties
their confidential or proprietary information subject to a duty on the Company's
part to maintain the confidentiality of such information and to use it only for
certain limited purposes. Consultant agrees that, during the term of this
Agreement and thereafter, Consultant owes the Company and such third parties a
duty to hold all such confidential or proprietary information in the strictest
confidence and not to disclose it to any person, firm or corporation or to use
it except as necessary in carrying out the Services for the Company consistent
with the Company's agreement with such third party.

               E. Return of Materials. Upon the termination of this Agreement,
or upon Company's earlier request, Consultant will deliver to the Company all of
the Company's property, including but not limited to all electronically stored
information and passwords to access such property, or Confidential Information
that Consultant may have in Consultant's possession or control.

        3. Ownership.

               A. Assignment. Consultant agrees that all copyrightable material,
notes, records, drawings, designs, inventions, improvements, developments,
discoveries and trade secrets conceived, discovered, developed or reduced to
practice by Consultant, solely or in collaboration with others, during the term
of this Agreement that relate in any manner to the business of the Company that
Consultant may be directed to undertake, investigate or experiment with or that
Consultant may become associated with in work, investigation or experimentation
in the Company's line of business in performing the Services under this
Agreement (collectively, "INVENTIONS"), are the sole property of the Company.
Consultant also agrees to assign (or cause to be assigned) and hereby assigns
fully to the Company all Inventions and any copyrights, patents, mask work
rights or other intellectual property rights relating to all Inventions.

               B. Further Assurances. Consultant agrees to assist Company, or
its designee, at the Company's expense, in every proper way to secure the
Company's rights in Inventions and any copyrights, patents, mask work rights or
other intellectual property rights relating to all Inventions in any and all
countries, including the disclosure to the Company of all pertinent information
and data with respect to all Inventions, the execution of all applications,
specifications, oaths, assignments and all other instruments that the Company
may deem necessary in order to apply for and obtain

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such rights and in order to assign and convey to the Company, its successors,
assigns and nominees the sole and exclusive right, title and interest in and to
all Inventions, and any copyrights, patents, mask work rights or other
intellectual property rights relating to all Inventions. Consultant also agrees
that Consultant's obligation to execute or cause to be executed any such
instrument or papers shall continue after the termination of this Agreement.

               C. Pre-Existing Materials. Subject to SECTION 3.A, Consultant
agrees that if, in the course of performing the Services, Consultant
incorporates into any Invention developed under this Agreement any pre-existing
invention, improvement, development, concept, discovery or other proprietary
information owned by Consultant or in which Consultant has an interest, (i)
Consultant will inform Company, in writing before incorporating such invention,
improvement, development, concept, discovery or other proprietary information
into any Invention, and (ii) the Company is hereby granted a nonexclusive,
royalty-free, perpetual, irrevocable, worldwide license to make, have made,
modify, use and sell such item as part of or in connection with such Invention.
Consultant will not incorporate any invention, improvement, development,
concept, discovery or other proprietary information owned by any third party
into any Invention without Company's prior written permission.

        4. Conflicting Obligations.

               A. Conflicts. Consultant certifies that Consultant has no
outstanding agreement or obligation that is in conflict with any of the
provisions of this Agreement or that would preclude Consultant from complying
with the provisions of this Agreement. Consultant will not enter into any such
conflicting agreement during the term of this Agreement. Consultant's violation
of this Section 4.A will be considered a material breach under SECTION 6.B.

               B. Substantially Similar Designs. In view of Consultant's access
to the Company's trade secrets and proprietary know-how, Consultant agrees that
Consultant will not, without Company's prior written approval, design identical
or substantially similar designs as those developed under this Agreement for any
third party during the term of this Agreement and for a period of 12 months
after the termination of this Agreement. Consultant acknowledges that the
obligations in this SECTION 4 are ancillary to Consultant's nondisclosure
obligations under SECTION 2.

        5. Reports. Consultant also agrees that Consultant will, from time to
time during the term of this Agreement or any extension thereof, keep the
Company advised as to Consultant's progress in performing the Services under
this Agreement. Consultant further agrees that Consultant will, as requested by
the Company, prepare written reports with respect to such progress. The Company
and Consultant agree that the time required to prepare such written reports will
be considered time devoted to the performance of the Services.

        6. Term and Termination.

               A. Term. The term of this Agreement will begin on the date of
this Agreement and will continue until the earlier to occur of (i) March 31,
2002, (ii) the date on which the Company's annual report on Form 10K for the
year ended December 31, 2001 is filed with the Securities and Exchange

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Commission, or (iii) the date on which this Agreement is terminated in
accordance with the provisions of SECTION 6.B hereof.

               B. Termination. Either party may terminate this Agreement upon
giving the other party 14 days' prior written notice of such termination
pursuant to SECTION 11.E of this Agreement. The Company may terminate this
Agreement immediately and without prior notice if Consultant refuses to or is
unable to perform the Services or is in breach of any material provision of this
Agreement.

               C. Survival. Upon such termination, all rights and duties of the
Company and Consultant toward each other shall cease except:

                      (1)The Company will pay, within 30 days after the
effective date of termination, all amounts owing to Consultant for Services
completed and accepted by the Company prior to the termination date and related
expenses, if any, reasonably necessary and prudent in connection with the
performance of Services pursuant to this Agreement and in accordance with the
provisions of Section 1 of this Agreement; and

                      (2)Section 2 (Confidentiality), Section 3 (Ownership),
Section 4 (Conflicting Obligations), Section 7 (Independent Contractor;
Benefits), Section 8 (Indemnification) and Section 10 (Arbitration and Equitable
Relief) will survive termination of this Agreement.

        7. Independent Contractor; Benefits.

               A. Independent Contractor. It is the express intention of the
Company and Consultant that Consultant perform the Services as an independent
contractor to the Company. Nothing in this Agreement shall in any way be
construed to constitute Consultant as an agent, employee or representative of
the Company. Without limiting the generality of the foregoing, Consultant is not
authorized to bind the Company to any liability or obligation or to represent
that Consultant has any such authority. Consultant agrees to furnish (or
reimburse the Company for) all tools and materials necessary to accomplish this
Agreement and shall incur all expenses associated with performance, except as
expressly provided in Exhibit A. Consultant acknowledges and agrees that
Consultant is obligated to report as income all compensation received by
Consultant pursuant to this Agreement. Consultant agrees to and acknowledges the
obligation to pay all self-employment and other taxes on such income.

               B. Benefits. The Company and Consultant agree that Consultant
will receive no Company-sponsored benefits from the Company. If Consultant is
reclassified by a state or federal agency or court as Company's employee,
Consultant will become a reclassified employee and will receive no benefits from
the Company, except those mandated by state or federal law, even if by the terms
of the Company's benefit plans or programs of the Company in effect at the time
of such reclassification, Consultant would otherwise be eligible for such
benefits.

        8. Indemnification. Consultant agrees to indemnify and hold harmless the
Company and its directors, officers and employees from and against all taxes,
losses, damages, liabilities, costs and expenses, including attorneys' fees and
other legal expenses, arising directly or indirectly from or in connection with
(i) any bad faith or reckless or intentionally wrongful act of Consultant or

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Consultant's assistants, employees or agents, (ii) a determination by a court or
agency that the Consultant is not an independent contractor, (iii) any breach by
the Consultant or Consultant's assistants, employees or agents of any of the
covenants contained in this Agreement, or (iv) any failure of Consultant to
perform the Services in accordance with all applicable laws, rules and
regulations.

        9. Nonsolicitation. From the date of this Agreement until 12 months
after the termination of this Agreement (the "RESTRICTED PERIOD"), Consultant
will not, without the Company's prior written consent, directly or indirectly,
solicit or encourage any employee or contractor of the Company or its affiliates
to terminate the consulting relationship with, or cease providing services to,
the Company or its affiliates. During the Restricted Period, Consultant will
not, whether for Consultant's own account or for the account of any other
person, firm, corporation or other business organization, intentionally
interfere with any person who is or during the period of Consultant's engagement
by the Company was a partner, supplier, customer or client of the Company or its
affiliates.

        10. Arbitration and Equitable Relief.

               A. Arbitration. Consultant agrees that any and all controversies,
claims or disputes with anyone (including the Company and any employee, officer,
director, shareholder or benefit plan of the Company, in its capacity as such or
otherwise) arising out of, relating to or resulting from Consultant's
performance of the Services under this Agreement or the termination of this
Agreement, including any breach of this Agreement, shall be subject to binding
arbitration under the Arbitration Rules set forth in California Code of Civil
Procedure Section 1280 through 1294.2, including Section 1283.05 (the "RULES")
and pursuant to California law. CONSULTANT AGREES TO ARBITRATE, AND THEREBY
AGREES TO WAIVE ANY RIGHT TO A TRIAL BY JURY WITH RESPECT TO, ALL DISPUTES
ARISING FROM OR RELATED TO THIS AGREEMENT, INCLUDING BUT NOT LIMITED TO: ANY
STATUTORY CLAIMS UNDER STATE OR FEDERAL LAW, CLAIMS UNDER TITLE VII OF THE CIVIL
RIGHTS ACT OF 1964, THE AMERICANS WITH DISABILITIES ACT OF 1990, THE AGE
DISCRIMINATION IN EMPLOYMENT ACT OF 1967, THE OLDER WORKERS BENEFIT PROTECTION
ACT, THE CALIFORNIA FAIR EMPLOYMENT AND HOUSING ACT, THE CALIFORNIA LABOR CODE,
CLAIMS OF HARASSMENT, DISCRIMINATION OR WRONGFUL TERMINATION AND ANY STATUTORY
CLAIMS. Consultant understands that this Agreement to arbitrate also applies to
any disputes that the Company may have with Consultant.

               B. Procedure. Consultant agrees that any arbitration will be
administered by the American Arbitration Association ("AAA"), and that a neutral
arbitrator will be selected in a manner consistent with its National Rules for
the Resolution of Employment Disputes. Consultant agrees that the arbitrator
will have the power to decide any motions brought by any party to the
arbitration, including discovery motions, motions for summary judgment and/or
adjudication and motions to dismiss and demurrers, prior to any arbitration
hearing. Consultant agrees that the arbitrator will issue a written decision on
the merits. Consultant also agrees that the arbitrator will have the power to
award any remedies, including attorneys' fees and costs, available under
applicable law. Consultant understands that the Company will pay for any
administrative or hearing fees charged by the arbitrator or AAA, except that
Consultant shall pay the first $200.00 of any filing fees associated with any
arbitration Consultant initiates. Consultant agrees that the arbitrator will
administer and

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conduct any arbitration in a manner consistent with the Rules and that, to the
extent that the AAA's National Rules for the Resolution of Employment Disputes
conflict with the Rules, the Rules will take precedence.

               C. Remedy. Except as provided by the Rules, arbitration will be
the sole, exclusive and final remedy for any dispute between the Company and
Consultant. Accordingly, except as provided for by the Rules, neither the
Company nor Consultant will be permitted to pursue court action regarding claims
that are subject to arbitration. Notwithstanding the foregoing, the arbitrator
will not have the authority to disregard or refuse to enforce any lawful Company
policy, and the arbitrator shall not order or require the Company to adopt a
policy not otherwise required by law which the Company has not adopted.

               D. Availability of Injunctive Relief. In addition to the right
under the Rules to petition the court for provisional relief, Consultant agrees
that any party may also petition the court for injunctive relief where either
party alleges or claims a violation of Sections 2 (Confidentiality), 3
(Ownership) or 4 (Conflicting Obligations) of this Agreement or any other
agreement regarding trade secrets, confidential information, nonsolicitation or
Labor Code Section 2870. In the event either the Company or Consultant seeks
injunctive relief, the prevailing party will be entitled to recover reasonable
costs and attorneys' fees.

               E. Administrative Relief. Consultant understands that this
Agreement does not prohibit Consultant from pursuing an administrative claim
with a local, state or federal administrative body such as the Department of
Fair Employment and Housing, the Equal Employment Opportunity Commission or the
workers' compensation board. This Agreement does, however, preclude Consultant
from pursuing court action regarding any such claim.

               F. Voluntary Nature of Agreement. Consultant acknowledges and
agrees that Consultant is executing this Agreement voluntarily and without any
duress or undue influence by the Company or anyone else. Consultant further
acknowledges and agrees that Consultant has carefully read this Agreement and
has asked any questions needed to understand the terms, consequences and binding
effect of this Agreement and fully understand it, including that Consultant is
waiving its right to a jury trial. Finally, Consultant agrees that Consultant
has been provided an opportunity to seek the advice of an attorney of its choice
before signing this Agreement.

        11. Miscellaneous.

               A. Governing Law. This Agreement shall be governed by the laws of
California without regard to California's conflicts of law rules.

               B. Assignability. Except as otherwise provided in this Agreement,
Consultant may not sell, assign or delegate any rights or obligations under this
Agreement.

               C. Entire Agreement. This Agreement constitutes the entire
agreement between the parties with respect to the subject matter of this
Agreement and supersedes all prior written and oral agreements between the
parties regarding the subject matter of this Agreement.

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               D. Headings. Headings are used in this Agreement for reference
only and shall not be considered when interpreting this Agreement.

               E. Notices. Any notice or other communication required or
permitted by this Agreement to be given to a party shall be in writing and shall
be deemed given if delivered personally or by commercial messenger or courier
service, or mailed by U.S. registered or certified mail (return receipt
requested), or sent via facsimile (with receipt of confirmation of complete
transmission) to the party at the party's address or facsimile number written
below or at such other address or facsimile number as the party may have
previously specified by like notice. If by mail, delivery shall be deemed
effective 3 business days after mailing in accordance with this Section 11(E).

                      (1)   If to the Company, to:
                            Argonaut Technologies, Inc.
                            1101 Chess Drive
                            Foster City, CA 94404
                            Attention: Lissa Goldenstein
                            Telephone: (650) 655-4200
                            Facsimile: (650) 655-4300

                      (2) If to Consultant, to the address for notice on the
signature page to this Agreement or, if no such address is provided, to the last
address of Consultant provided by Consultant to the Company.

               F. Attorneys' Fees. In any court action at law or equity that is
brought by one of the parties to this Agreement to enforce or interpret the
provisions of this Agreement, the prevailing party will be entitled to
reasonable attorneys' fees, in addition to any other relief to which that party
may be entitled.

               G. Severability. If any provision of this Agreement is found to
be illegal or unenforceable, the other provisions shall remain effective and
enforceable to the greatest extent permitted by law.

               H. Insurance and Indemnity. The Company will use its reasonable
best efforts to provide coverage to Consultant under the Company's Directors and
Officers Insurance Policy during the Term with respect to any Services provided
to the Company pursuant to this Agreement. If at any time Consultant is no
longer an officer of the Company, the Company agrees to indemnify and hold
harmless Consultant from and against all taxes, losses, damages, liabilities,
costs and expenses, including reasonable attorney's fees (collectively "Losses")
arising directly from or in connection with any violation or claimed violation
of a third party's rights relating to any period during the Term, provided,
however, that the Company shall not indemnify or hold harmless Consultant in
connection with any Losses which relate to amounts due and owing by Consultant
to Company pursuant to Section 8 hereof or which arise directly or indirectly
from Consultant's negligence, willful misconduct or bad faith.

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               I. Access to Information. During the Term of this Agreement, the
Company will provide Consultant with reasonable access to the business and
financial information regarding (i) the Company, (ii) the Company's ongoing
merger and acquisition activities relative to the project referred to as
Rainbow, (iii) the Company's financial and SEC reporting and Nasdaq compliance
initiatives, and (iv) the Company's tax reporting initiatives, reasonably
necessary for Consultant to perform the duties of Consultant described in
Exhibit A, or as reasonably requested by Consultant in connection with the
performance of such duties.

        IN WITNESS WHEREOF, the parties hereto have executed this Consulting
Agreement as of the date first written above.

CONSULTANT                                 ARGONAUT TECHNOLOGIES, INC.

--------------------------------           -------------------------------------
John T. Supan                              Lissa Goldenstein
                                           President and Chief Executive Officer

Address for Notice:

John T. Supan
372 Devonshire Boulevard
San Carlos, CA 94070
Tel:     (650) 593-3170
         (650) 593-3501

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                                    EXHIBIT A

                            Services and Compensation

        1. Contact. Consultant's principal Company contact:

        Lissa Goldenstein, President and Chief Executive Officer

        2. Services. The Services shall include, but shall not be limited to,
the following:

               A. Act as the Company's Chief Financial Officer during the Term,
and provide the services typically associated with that office, including,
without limitation, the following:

                      (i) working closely with the Company's internal accounting
personnel and officers and directors and independent auditors in connection with
the Company's audit for the year ended December 31, 2001; and

                      (ii) working closely with the Company's internal
accounting personnel and directors and officers and independent auditors in
connection with the Company's federal and state tax reporting initiatives for
the year ended December 31, 2001 and prior periods;

                      (iii) working closely with the Company's internal
accounting personnel, directors and officers, independent auditors and outside
counsel in connection with any activities conducted in connection with the
Company's compliance with Securities and Exchange Commission ("SEC") and Nasdaq
reporting requirements, including any press releases, earnings conference calls
or webcasts undertaken by the Company in compliance with SEC Regulation FD;

                      (iv) attending meetings of the Company's audit committee,
compensation committee and board of directors as requested from time to time by
the Company's President and Chief Executive Officer or Chairman or any member of
the Company's board of directors; and

                      (v) assisting the Company's directors and officers in
connection with ongoing and currently planned mergers and acquisition
initiatives, including without limitation the project referred to as "Rainbow"
with the understanding that this may involve international and domestic travel.

               B. Any transition related duties which are necessary in order to
ensure that the incoming Chief Financial Officer of the Company has all
appropriate information to perform his or her responsibilities.

        3. Compensation.

               A. Consulting Fee. The Company shall pay Consultant a monthly fee
in an amount equal to the lesser of (i) $40,000 or (ii) the product of (x) the
number of hours worked by Consultant

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on Company matters during the month, as set forth on time recording statements
submitted by Consultant to the President and Chief Executive Officer of the
Company, multiplied by (y) $200, payable within 30 days of receipt of invoice
from Consultant.

               B. Vesting. During the Term, all stock options held by Consultant
shall continue vest in accordance with their terms and may be exercised in
accordance with the terms of the applicable Company option plan. Upon
termination of this Agreement, Consultant's options shall cease to vest and
shall be exercisable only for the period following termination set forth in the
applicable Company option plan. Consultant shall not be eligible to participate
in the Company's employee stock purchase plans.

        Promptly following the last day of each calendar month during the Term,
Consultant shall submit to the Company a written invoice for Services and
expenses, and such statement shall be subject to the approval of the contact
person listed above or other designated agent of the Company.

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Accepted and agreed as of January 10, 2002

CONSULTANT                                ARGONAUT TECHNOLOGIES, INC.

--------------------------------          --------------------------------
John T. Supan                             Lissa Goldenstein
                                          President and Chief Executive Officer<PAGE>
                                                                    EXHIBIT 10.3

                           EURONET INTERNATIONAL, INC.

                               ADVISORY AGREEMENT

THIS AGREEMENT made as of the 26th day of March 2002, by and between Euronet,
International, Inc. a Nevada Corporation (hereinafter referred to as "Euronet")
whose principal office located at 430 East 86th Street, #9D, New York, NY 10028
and MEDICAL DISCOVERIES, INC. (hereinafter "MDI" or "Company"), a Utah
corporation with principal offices located at 738 Aspenwood Lane, Twin Falls, ID
83301.

WHEREAS EURONET, a business and financial advisory firm, consists of principals
with expertise in corporate operations, mergers and acquisitions, leveraged
buyouts, investor and public relations, raising funds and rendering strategic
business and financial advice focused on actualizing various financing and
operational strategies; and

WHEREAS MDI requires a business and financial plan to serve as a basis to secure
financing through a private placement with accredited investors and/or an
Initial Public Offering ("IPO") via the Internet utilizing a Dutch auction
and/or a reverse merger; and

WHEREAS EURONET is prepared to enter into an advisory agreement with MDI for the
purposes of developing and structuring a business and financial plan, producing
an investor slide presentation, producing a corporate financial model, and
preparing a private placement memorandum complete with summary and backup
pro-forma financials. Such advisory services are for the purpose of negotiating
various transactions (each, a "Transaction"), specifically advising on the
funding, management team, and structuring any financing including a reverse
merger transaction applicable to MDI; and

WHEREAS MDI seeks to retain the services of Euronet to perform on a best efforts
basis one or more of the following services for MDI:

       (a) Document Preparation inclusive of business advisory and consulting
           services to develop and structure a business and financial plan,
           produce an investor slide presentation, produce a corporate financial
           model, and prepare a private placement memorandum complete with
           summary and backup pro-forma financials;

       (b) Business Advisory Services including but not limited to introducing
           MDI to accredited investor funding sources, providing public
           relations services, and raising financing and venture capital funds
           on behalf of the Company (Euronet shall use its best efforts on
           behalf of MDI to raise such funds in a private offering exempt from
           the registration requirements of the Securities Act of 1933, as
           amended (the "Act") under Section 505 or Section 506 of Regulation D
           and MDI shall use its best efforts to prepare and approve an
           acceptable subscription agreement to accompany the appropriate
           documents in which said funds may be raised);

       (c) Business Advisory and Introductory Services focused on: (i)
           corporate strategic relationships (each, a "Transaction") which
           result in the generation of revenues for MDI (The Company shall be
           required to report all such private transactions on Form D to the

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           Securities and Exchange Commission); and, (ii) merger and acquisition
           services, upon payment of the appropriate optional fees.

WITNESSETH that MDI its affiliates, successors and assigns has engaged Euronet
and its affiliates, successors and assigns, as appropriate, to act as its
financial advisor with respect to the Company's continuing review of strategic
and financial planning matters on the terms and conditions hereinafter set
forth.

NOW, THEREFORE, in consideration of the aforesaid, it is hereby agreed by and
between the parties as follows:

ARTICLE I -- PERIOD OF PERFORMANCE

The term of this best efforts Advisory Agreement is for twelve (12) months.
Euronet shall advise MDI with respect to personnel that may be required from a
strategic perspective.

ARTICLE II -- EXCLUSIVITY AGREEMENT

During the term of this Agreement, Euronet shall be the exclusive agent for the
purposes for which this Advisory been executed. As such Euronet will receive
full credit for any transactions, whether or not it is the procuring cause,
during the exclusivity period. All transactions that are the subject of this
Advisory Agreement, including issuing securities, shall be subject to the
approval of MDI's Board of Directors in their sole discretion.

ARTICLE III -- FEE BASED COMPENSATION

MDI agrees to compensate Euronet for performance of the advisory and business
services described herein as follows:

       (a) COMMON AND PREFERRED STOCK--Euronet shall receive 4.9% of the issued
           and outstanding shares of common and preferred stock in MDI
           immediately upon the closing of one or more Transactions equaling or
           greater than one million dollars in certificate form. In addition,
           for the duration of this agreement, MDI shall issue all necessary
           shares to maintain Euronet's 4.9% ownership of MDI excluding any
           shares Euronet receives in connection with the Initial Retainer or
           other source. The stock should bear a restriction legend but is
           subject to piggyback registration rights as set forth in this
           Agreement. The execution of this Agreement by MDI shall constitute an
           endorsement of the stock certificate.

       (b) INITIAL RETAINER--Euronet's initial retainer of $50,000 (Euronet
           agrees that in lieu of cash it will accept 360,000 Common shares of
           MDI), payable within five (5) business days of the date of this
           Agreement, shall include payment for developing and structuring a
           business and financial plan, producing an investor slide
           presentation, producing a corporate financial model, and preparing a
           private placement memorandum complete with summary and backup
           pro-forma financials, all to be completed within 60 days of the date
           of this Agreement.

       (c) COMMON STOCK PURCHASE WARRANTS--Upon Euronet being the procuring
           cause for an investment equal to or greater than $1 million, either
           by way of debt or equity, into MDI, common stock purchase warrants in
           the amount of 10% of the investment exercisable for five (5) years.
           The exercise price of the common stock purchase warrants shall be
           equal to 120% of the purchase price paid by the investor in the case
           of an equity offering. In the case of a debt offering, Euronet's
           exercise price shall be 120% of the average price after the first 20
           trading days following the closing of the offering.

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       (d) MONTHLY RETAINER--After the company receives one million dollars
           through financing procured by Euronet, Euronet shall receive a
           monthly retainer of $6,000 per month for 12 consecutive months.

       (e) STRATEGIC RELATIONSHIP SUBSEQUENT TRANSACTIONS-- MDI hereby agrees
           that in the event that Euronet is responsible for introducing MDI to
           another party or entity that becomes a purchaser or licensee of MDI
           goods, services or technology at any time during the three year
           period from the date of the payment of the initial retainer (the
           "Term") and that, as a result of such introduction, a Strategic
           Relationship between such party or entity and MDI is consummated (a
           "Consummated Transaction"), MDI shall pay to Euronet a fee (the
           "Fee") equal to: (1) 2% of the gross revenues received by MDI on a
           quarterly basis from said Customer or any portion thereof of the
           consideration paid in such Transaction over a one year period; and
           (2) stock warrants issued quarterly exercisable within three (3)
           years from the date of issuance or they shall expire. The number of
           stock warrants shall equal 2% of the gross revenues on a quarterly
           basis and shall be issued within twenty business days of the
           completion of each quarter. The exercise price of such warrants shall
           be 120% of the average daily market closing price as provided by
           edrefyus.com or Bloomberg.com at the election of Euronet during the
           90 day period immediately prior to the end of the quarter for said
           Consummated Transaction. However in the event MDI is not a public
           company the exercise price shall be 100% of the last price paid by a
           bona fide investor.

ARTICLE IV -- CASH EQUIVALENT COMPENSATION

Transactions that result in any "cash equivalent" consideration being received
by MDI shall result in an immediate payment of the percentage owed of the "cash
equivalent" compensation in the form in which it was received. "Cash equivalent"
as used herein means any stock, stock options, warrants, rights, underwriter
warrants, promissory notes or other forms of compensation if the consideration
paid in the Consummated Transaction consists of securities of the acquiring
party, securities of MDI or securities of any other entity, the cash
consideration to be paid in the Consummated Transaction shall be deemed to
include, for purposes of calculating the Fee, any payments or distributions of
cash or any other assets made to MDI or to the principals of MDI simultaneously
with the Consummated Transaction if such payments or distributions were agreed
to in the Consummated Transaction.

ARTICLE V -- TRANSFER OF STOCK

The following representations are made relating to the private stock of MDI in
the event pursuant to the terms of this Agreement any stock or warrants are
delivered to Euronet:

       (a) RESTRICTED LEGEND AND PIGGYBACK REGISTRATION RIGHTs--Any shares
           transferred to Euronet are restricted for one year under Rule 144 and
           will bear an appropriate legend. However, in the event the Company
           seeks to offer securities through a bona fide primary or secondary
           offering of its securities in the public marketplace, the Company
           will automatically, without the necessity of any request, register
           the above issued shares of stock under the Securities Act for resale
           to the public in the event that such a public offering is initiated.
           These rights, commonly referred to as piggyback registration rights,
           are subject to limitations, including the right of the underwriters
           to limit the number of shares included in such registration. If the
           number of shares is so limited, MDI will include shares with
           piggyback registration rights in the registration statement in
           accordance with their priority level, subject to the consent of the
           underwriter. The Company is generally required to bear all of the
           expenses of all these registrations, except underwriting discounts,
           selling commissions, applicable transfer taxes and fees of counsel
           retained by any shareholder. Registration of any of the shares of
           common stock held by security holders with registration rights would
           result in such shares becoming freely tradable without restriction
           under the securities Act immediately upon effectiveness of the
           registration. All warrants

                                       3
<PAGE>

           must be exercised prior to the cutoff date established by the
           Company's underwriters for inclusion in the piggyback registration.

       (b) RESTRICTIONS ON SALE AND TRANSFER OF SECURITIES--The securities
           offered hereby have not been registered under the Securities Act of
           1933 and are being transferred in lieu of payment of an initial cash
           and monthly retainer. Euronet further understands the provisions of
           Rule 144 may be applicable regarding the current public information
           requirement. In addition under Rule 144 as currently in effect, a
           person (or persons whose shares are aggregated) who has beneficially
           owned shares acquired privately or indirectly from the Company or
           from an Affiliate, for at least one (1) year, or who is an Affiliate,
           is entitled to sell within any three (3) month period a number of
           shares that does not exceed the greater of 1% of the then outstanding
           shares of the Company's common stock or the average weekly trading
           volume in the Company's common stock during the four calendar weeks
           immediate preceding such sale. A person (or persons whose shares are
           aggregated) who is not deemed to have been an Affiliate at any time
           during the 90 days preceding a sale, and who has beneficially owned
           restricted shares for at least three years, is entitled to sell all
           such shares under Rule 144 without regard to the volume limitations,
           current public information requirements, manner of sale provisions or
           notice requirements. Euronet will only sell its shares after
           obtaining a written opinion from the Company's General Counsel that
           the provisions of Rule 144 do not restrict the sale of all or a
           portion of the shares sought to be sold. Said opinion shall be
           rendered at the expense of MDI.

ARTICLE VI -- BUSINESS ADVISORY SERVICES

Euronet will assist with the preparation of a business plan, with any private
placement memorandum subscription agreement and other documents prepared by MDI
in connection with the referral of bona fide accredited investors to MDI, the
Company agrees to cooperate in providing all necessary due diligence materials
to Euronet. No document shall be delivered to any investor without the Company's
knowledge and approval.

ARTICLE VII -- BOARD OF DIRECTORS

Upon raising five million dollars attributable to Euronet, either during the
exclusivity period or upon being the procuring cause of over five million
dollars, then Euronet shall have the right to designate a seat for a one (1)
year term on the board of directors of MDI, subject to the approval of MDI
Shareholders, which approval MDI's Board of Directors shall recommend. As a
prerequisite to acceptance of a board seat by Euronet or its delegate, MDI must
obtain Directors and Officers Liability Insurance.

ARTICLE VIII -- EXPENSES

Expense Reimbursement--Euronet shall send monthly statements that shall include
receipts and evidence of expenses detailing the expenses incurred. Euronet shall
not be permitted to obtain any expense reimbursement in excess of $1,000.00 in
the aggregate unless the expenditures are pre-approved in writing or email. MDI
shall pay said expenses promptly upon receipt of a billing statement, subject to
pre defined detailed guidelines for said expenses.

ARTICLE IX -- COMPANY INFORMATION

       (a) INDEMNITY--Since Euronet must at all times rely upon the accuracy and
           the completeness of information supplied to it by officers,
           directors, agents and employees of MDI, in any proceeding or suit
           which may arise out of the relationship to Euronet, MDI agrees to
           indemnify and hold Euronet, its officers, directors, employees, and
           affiliates harmless for any false or misleading information which was
           provided to Euronet by MDI.

                                       4
<PAGE>

       (b) SEPARATE LIABILITY--No party to this agreement shall be liable for
           any damages for failure to perform its obligations hereunder due to
           any cause beyond their control.

       (c) TERMINATION BY EURONET--Euronet shall be entitled to terminate this
           Agreement forthwith without prejudice to any of its rights hereunder
           in the event that MDI shall:

           i.    DEFAULT--Fail to pay any sum due under the terms of this
                 Agreement on the date due and shall fail to cure such failure
                 within seven (7) days after having received notice of such
                 failure; or

           ii.   BREACH--By materially breaching any other term of this
                 Agreement and failure within twenty-one (21) days notice to
                 cure such breach.

       (d) TERMINATION BY MDI--MDI shall have the right to terminate this
           Agreement at any time upon notice to Euronet in the event the
           following milestones have not been achieved within the following time
           periods:

           i.    MDI shall have raised at least $1 million in capital within the
                 first 30 days of the term of this Agreement.

           ii.   MDI shall have raised at least $5 million in capital within the
                 first 90 days of the term of this Agreement.

           iii.  MDI shall have raised at least $10 million in capital within
                 the first 180 days of the term of this Agreement.

ARTICLE X -- CONFIDENTIALITY

Each party agrees that during the course of this Agreement, information that is
confidential or of a proprietary nature may be disclosed to the other party,
including, but not limited to, product and business plans, software, technical
processes and formulas, source codes, product designs, sales, costs and other
unpublished financial information, advertising revenues, usage rates,
advertising relationships, projections, and marketing data ("Confidential
Information"). Each party and affiliates shall use Confidential Information only
for the purposes contemplated by this Agreement, and shall not use or disclose
it to any third party except with the prior written consent of the providing
party. Confidential Information shall not include information that the receiving
party can demonstrate (a) is, as of the time of its disclosure, in the public
domain, or thereafter becomes part of the public domain through a source other
than the receiving party, (b) was known to the receiving party as of the time of
its disclosure, (c) is independently developed by the receiving party, or (d) is
subsequently learned from a third party not under a confidentiality obligation
to the providing party.

ARTICLE XL -- INDEMNIFICATION

       (a) MDI agrees to indemnity, defend, and shall hold harmless Euronet, its
           affiliates, and/or their agents, and to defend any action brought
           against said parties with respect to any claim, demand, cause of
           scion, debt or liability arising out of this Agreement, including
           reasonable attorneys' fees to the extent that such action is based
           upon a claim that if true would constitute a breach of any of MDI's
           representations, or any Client Content to be provided by Client and
           does not violate any rights of third parties, including, without
           limitation, rights of publicity, privacy, patents, copyrights,
           trademarks, trade secrets, and/or licenses.

       (b) Euronet agrees to indemnify, defend, and shall hold harmless MDI, its
           directors, employees and agents, and defend any action brought
           against same with respect to any claim, demand, cause of action, debt
           or liability, including reasonable attorneys' fees, to

                                       5
<PAGE>

           the extent that such an action arises out of the gross negligence or
           willful misconduct of Euronet or any actions by Euronet or its
           agents, employees or affiliates.

       (c) Notice -- In claiming any indemnification hereunder, the indemnified
           party shall promptly provide the indemnifying party with written
           notice of any claim, which the indemnified party believes falls
           within the scope of the foregoing paragraphs. The indemnified party
           may, at its expense, assist in the defense if it so chooses, provided
           that the indemnifying party shall control such defense, and all
           negotiations relative to the settlement of any such claim. Any
           settlement intended to bind the indemnified party shall not be final
           without the indemnified party's written consent, which shall not be
           unreasonably withheld.

       (d) Limitation of Liability -- Neither MDI nor Euronet shall have any
           liability with respect to their obligations under this Agreement or
           otherwise for consequential, exemplary, special, incidental, or
           punitive damages even if the other party has been advised of the
           possibility of such damages. In any event, the liability of Euronet
           to MDI for any reason and upon any cause of action, regardless of the
           form in which the legal or equitable action may be brought,
           including, without limitation, any action in tort or contract, shall
           not exceed the amounts paid by MDI to Euronet hereunder; provided,
           however, that this limitation shall not apply to the indemnification
           obligations of Euronet as set forth above.

ARTICLE XII -- ASSIGNMENT

The rights and obligations of MDI and Euronet under this Agreement shall inure
to the benefit of and be binding upon their successors and assigns, Euronet
shall not delegate or subcontract its obligations hereunder without the prior
written consent of MDI.

ARTICLE XIII -- ARBITRATION/JURISDICTION OF ARBITRATION PANEL

Any controversy or claim arising out of or relating to this contract or the
breach hereof shall be settled by arbitration administered by the American
Arbitration Association under its Commercial Arbitration Rules, and judgment on
the award rendered by the arbitrator(s) may be entered in any court having
jurisdiction thereof. The parties also agree that the AAA Optional Rules for
Emergency Measures of Protection shall apply to the proceedings. Notwithstanding
any rules of the AAA the matter may be heard upon application or a party
telephonically upon two days notice for an injunction and ten days notice
otherwise with both parties required to waive their personal appearances and
appear via telephone. It is the intention of this provision not to cause a party
and its witnesses to be disadvantaged by having to travel great distances to
have its cause heard. This Agreement shall in all respects be interpreted and
construed under the laws of the State of New York. Jurisdiction for any
arbitration shall lie in the City and State of New York.

ARTICLE XIV -- NOTICES

Any notice which is required or desired under this Agreement shall be given in
writing and may be sent by personal delivery or by mail any of the following
methods email combined with a confirmatory Fax or United States mail, postage
prepaid, or Federal Express or similar generally recognized overnight carrier,
addressed as follows subject to the right to designate a different address by
notice similarly given:

                                       6
<PAGE>

        TO MDI:
        Medical Discoveries, Inc.
        (Attention: Judy M. Robinett)
        738 Aspenwood Lane
        Twin Falls, ID 83301
        Tel:  (208) 736-1799
        Fax:  (208) 736-9075
        Email:  judymr@magiclink.com

        WITH A COPY TO:
        Stole Rives LLP
        Attn:  Stephen R. Drake
        101 S. Capitol Blvd., Suite 1900
        Boise, ID  83702
        Tel:  (208) 387-4286
        Fax:  (208) 389-9040
        Email:  srdrake@stoel.com

        TO EURONET:
        Euronet International, Inc.
        (Attention: John C. Baird)
        430 East 86th Street, #9D
        New York, NY 10028
        Tel:  (212) 879-6385
        Fax:  (603) 917-8484
        Email:  EuronetIntl@aol.com

ARTICLE XV -- DEFAULT

In the event that, for any reason, MDI shall fail to pay to Euronet all or any
portion of any Fee when due, interest shall accrue and be payable on the unpaid
cash balance thereof from the date when first due through and including the date
when actually collected by Euronet at a rate equal to ten percent (10%) per
annum. Additionally all future payments that have been earned but are not yet
due shall be accelerated and become due within thirty days after the first
default. At the option of MDI and Euronet, any interest accrued and payable may
be convertible into stock options and/or warrants in an amount and on terms and
conditions to be agreed between the parties.

ARTICLE XVI -- NO AGENCY

The parties expressly intend and agree that Euronet will not be, and will not
hold itself out as being, an agent of MDI. Euronet will have no authority to
bind MDI to any agreement or obligation, express or implied.

ARTICLE XVII -- WARRANTS

Any Warrant issued by the Company shall be done promptly and shall have terms
and conditions which do not conflict with this Agreement in the event the
underlying securities or warrants are restricted the Company grants Euronet
piggyback registration rights and will use its best efforts to clear Rule 144
restrictions.

                                       7
<PAGE>

ARTICLE XVIII -- PAYMENTS

All payments under this Agreement shall be wired to a New York City bank to be
designated by Euronet at the time of completion of a Transaction.

ARTICLE XIX -- MISCELLANEOUS

EURONET AND MDI. Euronet, its employees, and affiliates will maintain the
confidentiality of MDI and not violate any insider trading rules. Euronet shall
not release any press releases alluding to MDI without the express written
permission of MDI. Only an instrument in writing executed by all the parties
hereto may amend this Agreement. This Agreement contains the entire agreement
between the parties with respect to the subject matter hereof. There are no
promises, agreements, conditions, undertakings, understandings, warranties,
covenants or representations, oral or written, express or implied, between them
with respect to this Agreement or the matters described in this Agreement,
except as set forth in this Agreement. Any such negotiations, promises, or
understandings shall not be used to interpret or constitute this Agreement. This
Agreement may be executed in counterparts and a facsimile copy bearing the
signature of a party shall be the same for all purposes as an original. It
supersedes all prior or contemporaneous communications, representations and
agreements, whether oral or written, with respect to the subject matter hereof
and has been induced by no representations, statements or agreements other than
those expressed herein. No oral agreements hereinafter made between the parties
shall be binding on either party unless reduced to writing and signed by an
authorized officer of the party bound.

IN WITNESS THEREOF, the parties have agreed to and executed this Agreement on
the dates set forth below their respective signatures.

ACCEPTED AND AGREED                        ACCEPTED AND AGREED

EURONET INTERNATIONAL, INC.                MEDICAL DISCOVERIES, INC. ("EURONET")
                                           ("MDI")

By: /s/ John C. Baird                      By: /s/ Judy M. Robinett
    --------------------------------           ---------------------------------
Name: John C. Baird                        Name: Judy M. Robinett
Title: Chief Executive Officer             Title: President and CEO
Date: March 26, 2002                       Date: March 25, 2002

                                       8

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