Document:

<PAGE>

                                                                    EXHIBIT 10.2

                               AMENDMENT NUMBER 1
                                       TO
                    PRIMARY CARE PROVIDER SERVICES AGREEMENT

                             EFFECTIVE JULY 1, 2004

      This Amendment to Primary Care Provider Services Agreement (the
"Amendment"), effective as of July 1, 2004, is by and among Vista Healthplan,
Inc. ("VHP"), Vista Insurance Plan, Inc. ("VIP"; VHP and VIP collectively
referred to as "VISTA") and CONTINUCARE MEDICAL MANAGEMENT, INC. ("Provider").

      WHEREAS, VISTA and Provider entered into that certain Primary Care
Provider Services Agreement (the "Agreement"); and

      WHEREAS, Pursuant to Section 9.5 of the Agreement, VISTA desires to amend
the Agreement in the manner set forth herein.

      NOW, THEREFORE, in consideration of the mutual promises and covenants
contained herein, the parties hereby agree to amend the Agreement as follows:

I.    AMENDMENTS:

      2. DUTIES OF PCP. SECTION 2.3 - REFERRALS AND PRE-AUTHORIZATIONS, IS
      REPLACED WITH THE FOLLOWING: "PCP shall make appropriate Referrals and
      obtain required Pre-Authorizations for all Covered Services in accordance
      with this Agreement, the applicable VISTA Coverage Plan and VISTA
      Policies. PCP shall use his/her best efforts to provide Members with any
      necessary Referral or obtain any required Pre-Authorization from VISTA
      while the Member is in PCP's office. VISTA shall use its REASONABLE
      efforts to provide requested Pre-Authorization immediately upon PCP's
      request; provided, however, that PCP agrees to take a pending or tracking
      number with respect to a Pre-Authorization request in the event VISTA
      requires further information in making the Pre-Authorization coverage
      decision. Except in the case of Emergency Services or Urgently Needed
      Services or upon the prior written approval of VISTA's Medical Director or
      his/her designee, PCP agrees that all charges incurred for Covered
      Services by VISTA which fail to comply with VISTA's Referral and
      Pre-Authorization requirements, including those set forth in VISTA
      Policies or the applicable VISTA Coverage Plan, shall be borne by PCP,
      including all related costs, fees, charges and expenses. PCP hereby agrees
      to indemnify and hold harmless Members, AHCA, CMS and DOI against charges
      for Covered Services for which PCP failed to comply with VISTA's Referral
      and Pre-Authorization requirements, as required under VISTA Policies, the
      applicable VISTA Coverage Plan or this Agreement."

      2. DUTIES OF PCP. SECTION 2.6 - COORDINATION OF BENEFITS, IS REPLACED WITH
      THE FOLLOWING: "PCP agrees that payment for Covered Services provided to
      Members is subject to coordination with any other benefits payable or paid
      to or for a Member. Such benefits include, but are not limited to, any
      group insurance coverage, contract, prepayment plan or governmental
      program and any claims that may give rise to compensation to a Member from
      a third party, including, without limitation, workers' compensation and
      automobile insurance.

<PAGE>

      VISTA shall be subrogated to all rights of recovery
      of a Member against any person or entity for such benefits or payments as
      permitted under applicable law and this Agreement. PCP shall use its
      REASONABLE efforts to determine whether a Member has any benefits as
      described above or whether a third party may be responsible for payment.
      PCP shall assist VISTA in coordination of benefits by (i) requiring a
      Member so covered to sign all necessary documents to give effect to this
      Section 2.6; and (ii) signing any other document and providing any other
      information or records REASONABLY so requested by VISTA at no cost to
      VISTA. Unless otherwise required by law, PCP shall not be entitled to
      reimbursement by any third party for Covered Services rendered to Members,
      including, Medicare intermediaries or carriers, and all sums recovered
      pursuant to this Section 2.6 shall be retained by VISTA. Unless required
      by law or the applicable VISTA Coverage Plan, in the event VISTA is the
      primary carrier, payments made by VISTA to PCP plus allowed Co-Payments,
      Deductibles and Co-Insurance shall be deemed payment in full for all
      services rendered by PCP hereunder. In the event VISTA is the secondary
      carrier (except in the case of Medicare or where otherwise required by
      law), VISTA shall pay for all services rendered to Members in accordance
      with this Agreement and applicable law that were not paid by the primary
      carrier; provided, however, that the combined payments made by the primary
      and secondary carriers shall not exceed one hundred percent (100%) of the
      compensation due PCP by VISTA under Schedule 4.1 of this Agreement. If
      VISTA is the secondary carrier to Medicare, VISTA's liability shall be
      limited to Deductible and Co-Insurance amounts, unless otherwise required
      by federal law."

      2. DUTIES OF PCP. SECTION 2.11 - ENCOUNTER DATA, IS REPLACED WITH THE
      FOLLOWING: "As required by VISTA and applicable law, PCP shall submit
      complete Encounter Data to VISTA on a monthly basis on or before the last
      day of each month, or such lesser time period as may be required by VISTA
      or applicable law, for encounters occurring in the immediately preceding
      month. PCP shall submit Encounter Data in accordance with VISTA Policies
      or as otherwise required by VISTA or state or federal laws or regulations,
      and shall certify the accuracy, completeness and truthfulness of such
      Encounter Data in such form as required by VISTA Policies. PCP
      acknowledges and agrees that in the event PCP fails to comply with this
      Section 2.11, AFTER VISTA HAS PROVIDED PCP WRITTEN NOTICE DESCRIBING ANY
      FAILURE AND ALLOWING PCP SIXTY (60) DAYS TO CORRECT SUCH FAILURE (i) VISTA
      may withhold any and all payments due by VISTA to PCP until such time as
      VISTA receives the current and complete Encounter Data that it requested;
      and (ii) such failure may be deemed a material breach of this Agreement."

      2. DUTIES OF PCP. SECTION 2.13 - VERIFICATION OF ELIGIBILITY, IS REPLACED
      WITH THE FOLLOWING: "Prior to providing any services to a Member, PCP
      shall cause the Member to produce his/her VISTA membership card or, if the
      Member represents that such membership card was not yet issued by VISTA,
      the Member's enrollment form. VISTA shall make reasonable efforts to
      confirm or deny eligibility using the most current information provided by
      the Subscriber Group, CMS or any other governmental agency, as applicable;
      provided, however, that PCP's compliance with such verification procedures
      and/or VISTA's confirmation of a Member's eligibility does not constitute
      a guarantee of such Member's eligibility or VISTA's coverage of any
      services provided by PCP in reliance on such confirmation. In the event
      VISTA determines that a Member was ineligible at the time services were
      provided by PCP to such Member, VISTA may recover payments made by VISTA
      to PCP for that Member retroactive to the first (1st) day of the month in
      which the

                                       2

<PAGE>

      Member became ineligible for coverage. VISTA WILL retroactively add
      Members to PCP's panel for a period of up to ninety (90) days from the
      date VISTA determines, in VISTA's REASONABLE discretion, that the
      particular Member should have been included in PCP's panel and PCP shall
      receive applicable Capitation Fee payments on behalf of that Member for
      such period. If a Member was erroneously or inappropriately placed on
      PCP's Member list or is retroactively terminated, VISTA may offset any
      Capitation Fee payment previously paid to PCP on behalf of such Member IN
      ACCORDANCE WITH APPLICABLE FLORIDA AND FEDERAL LAW, FROM FUTURE PAYMENTS
      DUE PCP. If the Member loses eligibility during hospitalization, PCP may
      collect from the Member any amounts for services rendered subsequent to
      the loss of coverage under the applicable VISTA Coverage Plan; provided,
      however, that any such loss of eligibility shall be subject to applicable
      law, the applicable VISTA Coverage Plan and VISTA Policies.

      2. DUTIES OF PCP. SECTION 2.17 - DISPARAGEMENT PROHIBITED, IS DELETED IN
      ITS ENTIRETY AND NOT USED.

      3 DUTIES OF VISTA. SECTION 3.1 - LIMITATION ON SELECTION OF PCP, IS
      REPLACED WITH THE FOLLOWING: "VISTA MAY REASONABLY LIMIT, RESTRICT OR
      SUSPEND MEMBERS' OPPORTUNITY TO SELECT PCP FOR PRIMARY CARE SERVICES (THE
      "RESTRICTION"), EFFECTIVE IMMEDIATELY UPON WRITTEN NOTICE TO PCP WHICH
      SHALL STATE THE REASON FOR SUCH ACTION (THE "VIOLATION"). PCP SHALL COMPLY
      WITH ANY SUCH NOTICE; PROVIDED, HOWEVER, IF PCP CURES SUCH VIOLATION,
      VISTA SHALL LIFT SUCH RESTRICTION."

      3 DUTIES OF VISTA. A SECTION 3.4 TITLED "REPORTS" SHALL BE ADDED AS
      FOLLOWS: "VISTA SHALL USE ITS BEST EFFORTS TO PROVIDE PCP WITH PERIODIC
      STATEMENTS WITH RESPECT TO THE FINANCIAL ARRANGEMENTS RELATING TO THIS
      AGREEMENT IN ACCORDANCE WITH PROCEDURES DEVELOPED BY VISTA. VISTA SHALL
      USE ITS BEST EFFORTS TO PROVIDE PCP WITH THE FOLLOWING MONTHLY REPORTS IN
      ELECTRONIC FORMAT NO LATER THAN FIFTEEN (15) DAYS AFTER THE END OF A
      CALENDAR MONTH:

            MEMBERSHIP LISTS.
            LISTS OF MEMBERS ADDED OR DELETED FROM THE PRIOR MONTH'S REPORT.
            DETAIL SUPPORT FOR CAPITATION FEE.
            DETAIL OF CLAIMS PAID SINCE THE PRIOR MONTH'S REPORT.
            DETAIL OF REVENUE EARNED BY MEMBER, INCLUDING ANY RETROACTIVE
            ADDITIONS OR DELETIONS.
            DETAIL OF MEDICARE RISK ADJUSTMENT ACTIVITY.

      VISTA SHALL ALSO USE ITS BEST EFFORTS TO PROVIDE PCP QUARTERLY
      RECONCILIATIONS OF THE POOL DESCRIBED IN SCHEDULE 4.1/EXHIBIT 3 WITH
      ACCOMPANYING PROFIT AND LOSS STATEMENTS NO LATER THAN FIFTEEN (15) DAYS
      AFTER THE END OF A CALENDAR QUARTER WHICH SHALL INCLUDE DETAILS ON STOP
      LOSS RECOVERIES CREDITED TO THE POOL AND REFLECTED IN THE QUARTERLY PROFIT
      AND LOSS STATEMENTS. TOGETHER WITH THE QUARTERLY RECONCILIATIONS, VISTA
      SHALL USE ITS BEST EFFORTS TO PROVIDE PCP A REPORT LISTING CURRENT
      CAPITATED SPECIALIST AND CAPITATED RATES. IN ADDITION TO THE REPORTS NOTED
      ABOVE, VISTA WILL USE ITS BEST EFFORTS TO PROVIDE A DAILY AUTHORIZATIONS
      ISSUED REPORT (UPON FINAL COMPLETION OF REPORT IN TO PRODUCTION) AND A
      WEEKLY PREPAID CLAIMS FILED REPORT."

                                       3

<PAGE>

      3 DUTIES OF VISTA. SECTION 3.2 - ACCOUNTABILITY TO CMS, IS REPLACED WITH
      THE FOLLOWING: "To the extent required by law, VISTA shall oversee and be
      accountable to CMS with respect to those services performed by PCP
      pursuant to this Agreement with respect to Medicare Members. VISTA SHALL
      COMPLY IN ALL MATERIAL RESPECTS WITH THE LAWS AND REGULATIONS THAT GOVERN
      THE CONDUCT OF ITS BUSINESS RELATED TO THIS AGREEMENT."

      4 COMPENSATION. SECTION 4.3. - MULTIPLE AGREEMENTS IS DELETED IN ITS
      ENTIRETY AND NOT USED.

      5 TERM. IS REPLACED WITH THE FOLLOWING: "Unless earlier terminated as
      provided in this Agreement, this Agreement shall commence as of the
      Effective Date, as defined in Section 9.26 hereof, and shall end on JUNE
      30, 2008, and shall automatically renew for successive one (1) year
      periods (collectively, the "Term"), unless either party provides the other
      party with written notice of its intent to terminate this Agreement at
      least ONE HUNDRED EIGHTY (180) days prior to the end of the then current
      Term."

      6 TERMINATION. SECTION 6.2 - TERMINATION WITHOUT CAUSE IS DELETED IN ITS
      ENTIRETY AND NOT USED.

      6 TERMINATION. SECTION 6.4 - AUTOMATIC TERMINATION, IS REPLACED WITH THE
      FOLLOWING: "Notwithstanding Section 6.3 above, VISTA may terminate this
      Agreement immediately upon notice to PCP if (i) PCP becomes insolvent,
      files a petition for protection from its creditors, enters into any
      general arrangement or assignment for the benefit of its creditors,
      suffers or consents to the appointment of a trustee or a receiver to take
      possession of substantially all of PCP's assets, or in the event of the
      attachment, execution or other judicial seizure of substantially all of
      PCP's assets; or (ii) VISTA determines, in VISTA's sole REASONABLE
      discretion, that: (a) the actions or inactions of PCP OR PCP STAFF; are
      causing or may cause imminent danger to the health, safety or welfare of
      any Member; (b) A PCP STAFF'S OR PCP's license, DEA registration, hospital
      staff privileges, right to participate in the Medicare or Medicaid program
      or other accreditation is restricted, suspended or revoked or PCP STAFF
      voluntarily relinquishes any of the foregoing AND WITH RESPECT TO THE PCP
      STAFF AND SUCH PCP STAFF IS NOT PROMPTLY TERMINATED BY PCP; (c) A PCP
      STAFF's ability to practice medicine is effectively impaired by an action
      of the Board of Medicine or other governmental agency; (d) PCP is
      convicted of a criminal offense related to his/her involvement in
      Medicaid, Medicare or social service programs under Title XX of the Social
      Security Act; or (e) PCP OR PCP STAFF engaged in any other behavior or
      activity that could be hazardous or injurious to any Member. AS USED IN
      THIS SECTION 6.4, THE TERM PCP SHALL REFER TO PCP AS A CORPORATE ENTITY."

      6 TERMINATION. SECTION 6.7 - CONTINUING CARE RESPONSIBILITIES, IS REPLACED
      WITH THE FOLLOWING: "Except as otherwise provided in this Agreement, upon
      termination of this Agreement for any reason whatsoever, the rights of
      each party shall terminate; provided, however, that such termination shall
      not release PCP from: (i) PCP's agreement not to seek compensation from
      Members, other than as specifically permitted by Section 2.7, for Covered
      Services provided by PCP to Members prior to the effective date of
      termination of this Agreement, which agreement shall also be applicable
      after termination of this Agreement with respect to Covered Services
      provided to Members during any period in which PCP is providing continuing
      care to a Member as contemplated below; and (ii) PCP's obligation,

                                       4

<PAGE>

      under applicable law, to arrange and provide continuation of coverage and
      care for those Members then utilizing PCP as their Primary Care Physician
      or for whom treatment is otherwise active with PCP until the earlier of:
      (a) the completion of treatment of a condition for which the Member is
      receiving care on the effective date of termination; (b) the date on which
      the transfer of such Member's care to another Primary Care Physician can
      be arranged by VISTA; or (c) the next open enrollment period offered by
      the Subscriber Group, if applicable; provided, however, that PCP shall not
      be required to provide such continuation of coverage and care to any
      Member longer than six (6) months after the effective date of termination
      of this Agreement. Notwithstanding the foregoing, VISTA shall allow PCP
      and PCP shall continue to provide care after the termination of this
      Agreement for any Member who initiated a course of prenatal care,
      regardless of the trimester in which care was initiated, until completion
      of postpartum care. Notwithstanding anything herein to the contrary, if
      termination of this Agreement occurs during the insolvency of VISTA or in
      the event that the contract between CMS and VISTA terminates or is not
      renewed for any reason whatsoever, PCP shall provide Primary Care Services
      to Members for the duration of the later of: (i) the period for which the
      Member made payment under his/her VISTA Coverage Plan or for the duration
      of the contract period for which CMS payments were made to VISTA on behalf
      of the Member, as applicable; (ii) the duration of any stay by the Member
      in an inpatient facility on the date of insolvency or, in the event that
      the contract between CMS and VISTA expires or terminates, until the Member
      is discharged from such facility; or (iii) such longer period of time as
      may be necessary for VISTA to remain in compliance with federal and state
      laws and regulations, including, without limitation, Medicare and
      Medicaid. During any such continuation of care period, VISTA shall
      compensate PCP in accordance with Schedule 4.1, Exhibit 3, Section II of
      this Agreement for care rendered to any Member and PCP shall be bound by
      the terms of this Agreement and PCP SHALL NOT BE AT RISK OR OTHERWISE
      RESPONSIBLE FOR THE COST OF SERVICES OTHER THAN FOR PRIMARY CARE SERVICES.
      PCP further agrees that (i) this Section 6.7 shall survive the termination
      of this Agreement regardless of the cause giving rise to termination and
      shall be construed to be for the benefit of the Member; and (ii) this
      Section 6.7 supersedes any oral or written agreement to the contrary,
      whether now existing or hereafter entered into between PCP and a Member,
      or persons acting on a Member's behalf."

      6 TERMINATION. SECTION 6.11 - BENEFIT PROGRAMS, IS REPLACED WITH THE
      FOLLOWING: "VISTA may terminate any and all Benefit Programs SO LONG AS
      SUCH TERMINATION APPLIES with respect to all Participating Providers, at
      VISTA's sole discretion, upon notice to PCP in accordance with this
      Agreement; provided, however, that termination of this Agreement with
      respect to a particular Benefit Program(s) shall have no effect on the
      continuation of this Agreement with respect to all other Benefit Programs
      as listed on Schedule D. As such, this Agreement shall remain in full
      force and effect with respect to any Benefit Program not specifically
      terminated."

      7 RECORDS IS REPLACED WITH THE FOLLOWING: "PCP shall maintain, provide and
      allow access DURING PCP'S REGULAR BUSINESS HOURS AND ALLOW AT LEAST FIVE
      (5) BUSINESS DAYS ADVANCE WRITTEN NOTICE EXCEPT AS OTHERWISE REQUIRED BY
      APPLICABLE LAWS AND REGULATIONS to records as set forth on Schedule 7,
      attached hereto and incorporated herein, and otherwise set forth in VISTA
      Policies and applicable laws and regulations."

                                       5

<PAGE>

      8 NOTICE IS REPLACED WITH THE FOLLOWING: "Any notice required hereunder or
      otherwise given shall be in writing and sent via (i) hand delivery, (ii)
      nationally recognized courier service, , or (iii) registered or certified
      mail, return receipt requested. Notices shall be sent to or by VISTA or
      PCP at the addresses listed below, or at such other addresses as either
      party may designate to the other in writing:

      To VISTA:   Vista Healthplan, Inc.
                         1340 Concord Terrace
                         Sunrise, Florida  33323
                         Attention: Senior Vice President of Provider Operations

      With a copy to: Vista Healthplan, Inc.
                         300 South Park Road
                         Hollywood, Florida  33021
                         Attention: Senior Vice President and General Counsel

      To PCP:  Continucare Medical Management, Inc.
                         7200 Corporate Center Drive
                         Suite 600
                         Miami, Florida  33126
                         Attention: President

      With a copy to: Continucare Corporation
                         7200 Corporate Center Drive
                         Suite 600
                         Miami, Florida  33126
                         Attention: President

      To DOI:  Department of Insurance
                         Division of Specialty Insurers
                         200 East Gaines Street
                         Tallahassee, Florida  32399-0300
                         Att:  Health Section

      Notices shall be deemed given on the date of delivery as shown on the
      delivery receipt or return receipt, or on the date noted on such receipt
      as the date delivery thereof was refused, returned as unclaimed or
      determined impossible to accomplish due to an unnoticed change of address.

      9 MISCELLANEOUS. SECTION 9.1.1 - CONFIDENTIAL MATERIALS, IS REPLACED WITH
      THE FOLLOWING: "PCP acknowledges and agrees that as a result of this
      Agreement, PCP may become informed of, and have access to, valuable and
      confidential information of VISTA and ITS Affiliates, including, without
      limitation, (i) eligibility lists and any other information containing the
      names, addresses and telephone numbers of Members; (ii) VISTA Policies and
      all forms related thereto; (iii) other policy and procedure manuals; (iv)
      the provisions of this Agreement; and (v) any other information compiled
      or created by VISTA which is proprietary in nature, including names,
      payment rates and methodologies, business methods, trademarks, logos,
      patents and VISTA ACKNOWLEDGES AND AGREES THAT AS A RESULT OF THIS

                                       6

<PAGE>

      AGREEMENT, VISTA MAY BECOME INFORMED OF, AND HAVE ACCESS TO, VALUABLE,
      CONFIDENTIAL AND PROPRIETARY INFORMATION OF PCP AND ITS AFFILIATES. ALL
      SUCH INFORMATION OF VISTA AND PCP SHALL BE REFERRED TO AS THE
      "CONFIDENTIAL INFORMATION", shall remain the exclusive property of VISTA
      AND PCP AS THE CASE MAY BE to be held by THE OTHER in trust and solely for
      the other's benefit. Accordingly, except as required by law or expressly
      authorized under this Agreement, NEITHER PCP NOR VISTA shall, at any time,
      either during or subsequent to the Term, use, reveal, report, publish,
      copy, transcribe, transfer or otherwise disclose to any person,
      corporation or other entity, any of the Confidential Information OF THE
      OTHER without prior written consent of VISTA, except to responsible
      persons who are in a contractual or fiduciary relationship with the PARTY
      IN POSSESSION OF THE OTHER'S CONFIDENTIAL INFORMATION and for information
      which legally and legitimately is or becomes of general public knowledge
      from authorized sources other than THE OTHER PARTY or any person acting on
      THEIR behalf.

      9 MISCELLANEOUS. SECTION 9.1.2. - RETURN OF CONFIDENTIAL INFORMATION, IS
      REPLACED WITH THE FOLLOWING: "Upon termination of this Agreement to the
      extent permitted by applicable law, PCP AND VISTA shall promptly deliver
      to THE OTHER all Confidential Information BELONGING TO THE OTHER PARTY
      that is in THEIR possession or control, including all copies and abstracts
      of Confidential Information."

      9 MISCELLANEOUS. SECTION 9.1.3 - CONFIDENTIAL OPERATIONS INFORMATION, IS
      REPLACED WITH THE FOLLOWING: "Unless otherwise required by law, neither
      PCP NOR VISTA shall not disclose information relating to the operations of
      THE OTHER to third parties without obtaining prior written consent."

      9 MISCELLANEOUS. SECTION 9.1.5 - OWNERSHIP, IS REPLACED WITH THE
      FOLLOWING: "Ownership of and right of control over all Confidential
      Information shall vest exclusively in THE DISCLOSING PARTY."

      9 MISCELLANEOUS. SECTION 9.1.6 - NON-SOLICITATION OF MEMBERS, IS REPLACED
      WITH THE FOLLOWING: "PCP RECOGNIZES AND AGREES THAT VISTA HAS A VALUABLE
      BUSINESS RELATIONSHIP WITH EACH OF ITS MEMBERS AND, FURTHER, THAT PCP
      STANDS IN A POSITION TO INFLUENCE MEMBERS' DECISIONS CONCERNING INSURERS.
      IN RECOGNITION OF VISTA'S VALUABLE BUSINESS RELATIONSHIPS WITH ITS
      MEMBERS, PCP AGREES THAT DURING THE TERM AND FOR A PERIOD OF NINETY (90)
      DAYS AFTER TERMINATION OF THIS AGREEMENT FOR ANY REASON OTHER THAN PCP'S
      TERMINATION OF THIS AGREEMENT FOR CAUSE OR AS A RESULT OF VISTA'S
      INSOLVENCY, PCP SHALL NOT SOLICIT MEMBERS, DIRECTLY OR INDIRECTLY, TO
      ENROLL IN ANY OTHER HEALTH INSURANCE OR HEALTH COVERAGE OR ALTERNATIVE
      HEALTH CARE DELIVERY SYSTEM; PROVIDED, HOWEVER, THAT UPON TERMINATION OF
      THIS AGREEMENT THIS RESTRICTION SHALL NOT RELATE TO ANY MEMBER THAT WAS A
      PATIENT OF PCP PRIOR TO ENROLLING IN A VISTA COVERAGE PLAN, PRIOR TO THE
      EFFECTIVE DATE OF TERMINATION OF THIS AGREEMENT. PCP'S OBLIGATION NOT TO
      SOLICIT MEMBERS IS A MATERIAL INDUCEMENT FOR PCP'S ENGAGEMENT BY VISTA
      PURSUANT TO THIS AGREEMENT. THIS SECTION 9.1.6, HOWEVER, IS NOT INTENDED
      TO INTERFERE WITH A MEMBER'S RIGHT TO FREELY SELECT A PRIMARY CARE
      PHYSICIAN OR ALTERNATIVE HEALTH COVERAGE SUBSEQUENT TO TERMINATION OF THIS
      AGREEMENT. FURTHER, PCP ACKNOWLEDGES AND AGREES THAT ANY AND ALL MARKETING
      OR SOLICITATION COMMUNICATION WITH MEDICARE MEMBERS AND MEDICAID MEMBERS
      MUST

                                       7

<PAGE>

      BE APPROVED IN ADVANCE OF DISSEMINATION BY CMS OR AHCA, AS
      APPLICABLE, IN ACCORDANCE WITH APPLICABLE REQUIREMENTS."

      9 MISCELLANEOUS. SECTION 9.1.7 - ENFORCEMENT, IS REPLACED WITH THE
      FOLLOWING "PCP and VISTA acknowledge and agree that irreparable injury
      will result to THE OTHER PARTY in the event of breach of these covenants,
      that a material inducement for PCP's engagement by VISTA AND PCP'S
      ACCEPTANCE OF THE ENGAGEMENT are the covenants set forth in this Section
      9.1, and that monetary damages in an action at law would not provide an
      adequate remedy in the event of a breach of this Section 9.1. PCP AND
      VISTA further acknowledge and agree that the covenants set forth in this
      Section 9.1. are necessary for the protection of THEIR legitimate business
      and professional duties, ethical obligations, and interests and are
      reasonable in scope and content. Accordingly, in the event of THE breach
      of (i) this Section 9.1 or any part of this Section 9.1, this Section 9.1
      may be enforced by the obtaining of an injunction to restrain the
      violation thereof by the BREACHING PARTY and all persons acting for or
      with the BREACHING PARTY, IN ADDITION TO ALL OTHER REMEDIES THE
      NON-BREACHING PARTY MAY HAVE AT LAW OR IN EQUITY."

      9 MISCELLANEOUS. SECTION 9.2 - ASSIGNMENT, IS REPLACED WITH THE FOLLOWING:
      "PCP shall not assign, delegate, subcontract, or otherwise transfer its
      rights, obligations and/or interests arising under this Agreement, without
      the express written consent of VISTA WHICH NOT BE UNREASONABLY WITHHELD.
      VISTA may assign, delegate, subcontract or otherwise transfer its rights,
      obligations and/or interests under this Agreement to any successor, VISTA
      Affiliate or a party to which any of VISTA's line(s) of business are sold,
      without PCP's consent. This Agreement shall be binding upon and inure to
      the benefit of the successors and permitted assigns of the parties."

      9 MISCELLANEOUS. SECTION 9.5 - MODIFICATIONS IS REPLACED WITH THE
      FOLLOWING: "EXCEPT AS SET FORTH BELOW, VISTA MAY NOT MODIFY OR AMEND ANY
      PROVISION OF THIS AGREEMENT WITHOUT THE WRITTEN CONSENT OF PCP. TO THE
      EXTENT NECESSARY FROM TIME TO TIME TO COMPLY WITH THE REQUIREMENTS OF
      STATE OR FEDERAL LAWS OR REGULATIONS OR TO COMPLY WITH THE REQUIREMENTS OR
      REGULATIONS OF ANY ACCREDITATION ORGANIZATION, AHCA, CMS, DOI, ANY OTHER
      GOVERNMENTAL AGENCY WITH JURISDICTION OVER VISTA OR PCP, THIS AGREEMENT
      SHALL AUTOMATICALLY BE MODIFIED OR AMENDED UPON WRITTEN NOTICE FROM VISTA
      TO PCP TO THAT EFFECT. IN ADDITION, VISTA MAY MODIFY OR AMEND THIS
      AGREEMENT TO THE EXTENT NECESSARY TO COMPLY WITH THE REQUIREMENTS OF ANY
      VISTA COVERAGE PLAN UPON WRITTEN NOTICE TO PCP.

      9 MISCELLANEOUS. SECTION 9.12 - PHYSICIAN-PATIENT RELATIONSHIP, IS
      REPLACED WITH THE FOLLOWING: "The parties acknowledge and agree that any
      and all decisions rendered by VISTA in its administration of this
      Agreement, including, but not limited to, all decisions with respect to
      the determination of whether or not a service is a Covered Service, are
      made solely to determine if payment of benefits under the applicable VISTA
      Coverage Plan is appropriate. The parties further acknowledge and agree
      that any and all decisions relating to the necessity of the provision or
      non-provision of medical services or supplies shall be made solely by the
      Member and PCP in accordance with the usual provider-patient relationship.
      PCP shall have sole responsibility for the medical care and treatment of
      Members under PCP's care. PCP further acknowledges and agrees that it is
      possible that a Member AND THE

                                       8

<PAGE>

      PHYSICIANS EMPLOYED, CONTRACTED OR ASSOCIATED WITH a PCP may determine
      that certain services or supplies are appropriate even though such
      services or supplies are not Covered Services under the applicable VISTA
      Coverage Plan and will not be paid for or arranged by VISTA. PCP shall
      inform Members in writing prior to provision of such non-Covered Services
      that such services are not Covered Services and that the Member will be
      responsible for payment for such non-Covered Services and collect the fees
      for such non-Covered Services directly from the Member."

      9 MISCELLANEOUS. SECTION 9.20 SUBCONTRACTS, IS REPLACED WITH THE
      FOLLOWING: "Except as otherwise permitted in this Agreement, PCP shall not
      delegate or subcontract any of its obligations under this Agreement
      without the prior written consent of VISTA WHICH WILL NOT BE UNREASONABLY
      WITHHELD. If PCP, with VISTA's consent, carries out any of its obligations
      or duties under this Agreement through a subcontract, such subcontract
      shall contain a clause which requires the subcontractor to comply with any
      and all obligations and duties imposed on PCP in this Agreement, including
      Medicare and Medicaid laws and regulations. Such subcontract shall provide
      that the performance of the parties is monitored by VISTA on an ongoing
      basis and that VISTA may take enforcement actions in the event such
      subcontractor fails to comply, in VISTA's determination, with any
      obligation or duty imposed on PCP in this Agreement, including the
      Medicare and Medicaid laws and regulations.

      9 MISCELLANEOUS. SECTION 9.27 SURVIVAL, IS REPLACED WITH THE FOLLOWING:
      "Article 2, Section 6.7, Section 6.13, Article 7, Article 8, and Article 9
      of this Agreement shall survive termination or expiration of this
      Agreement for any reason whatsoever, PROVIDED THAT ARTICLE 7 SHALL SURVIVE
      FOR ONLY SIX (6) YEARS AFTER TERMINATION OR EXPIRATION OR AS REQUIRED BY
      LAW, WHICHEVER IS LESS."

      9 MISCELLANEOUS. A SECTION 9.28 TITLED "SARBANES-OXLEY" SHALL BE ADDED AS
      FOLLOWS: "VISTA ACKNOWLEDGES THAT PCP IS SUBJECT TO THE PROVISIONS OF THE
      SARBANES-OXLEY ACT OF 2002 AND THE RULES, REGULATIONS AND INTERPRETATIONS
      PROMULGATED THEREUNDER (THE "SARBANES-OXLEY ACT"). IN ORDER TO ASSIST PCP
      WITH ITS COMPLIANCE WITH THE PROVISIONS OF SECTION 404 OF THE
      SARBANES-OXLEY ACT, IF VISTA OBTAINS TYPE 2 STATEMENT OF AUDITING
      STANDARDS 70 REPORTS ("SAS 70 REPORTS") FROM THEIR INDEPENDENT AUDITORS
      REGARDING THE OPERATING EFFECTIVENESS OF VISTA'S PCP INTERNAL CONTROLS
      OVER FINANCIAL REPORTING (THE "VISTA CONTROLS"), VISTA WILL PROVIDE PCP
      WITH A COPY UPON REQUEST. IF VISTA DOES NOT PROVIDE PCP WITH CURRENT SAS
      70 REPORTS, SOLELY FOR THE PURPOSE OF ASSESSING VISTA CONTROLS, VISTA WILL
      MAKE AVAILABLE TO PCP AND ITS INDEPENDENT AUDITORS INFORMATION REGARDING
      THE VISTA CONTROLS AS PCP MAY REASONABLY REQUEST UPON REASONABLE ADVANCE
      NOTICE."

      SCHEDULE A - OWNERSHIP DISCLOSURE, THE FOLLOWING PARAGRAPH IS INSERTED:
      "PCP is a wholly owned subsidiary of Continucare Corporation, a Public
      Company. For information regarding Principals see Continucare filings with
      the Securities and Exchange Commission."

      SCHEDULE B - PCP STAFF, INTRODUCTORY SENTENCE IS REPLACED WITH THE
      FOLLOWING: "The following is a list of all physicians and LICENSED health
      professionals employed by or contracted with PCP and their licensure."

                                       9

<PAGE>

      SCHEDULE D - BENEFITS PROGRAMS, IS REPLACED WITH THE SCHEDULE D ATTACHED
      HERETO.

      SCHEDULE 1 - DEFINITIONS / ALLOWANCE, IS REPLACED WITH THE FOLLOWING: "the
      Allowance shall be the pre-negotiated amount PCP agreed to accept for
      Covered Services under this Agreement for Members enrolled in the (i)
      VISTA Coverage Plan for Preferred Provider Organization Benefit Program;
      (ii) VISTA Coverage Plan for Point of Service Benefit Program, solely for
      the out-of-network component of such Benefit Program; or (iii) other
      Benefit Program, as VISTA may determine, at VISTA's REASONABLE discretion
      under the applicable VISTA Coverage Plan."

      SCHEDULE 1 - DEFINITIONS / CAPITATION FEE, IS REPLACED WITH THE FOLLOWING:
      "the fixed amount per Member per month PCP receives from VISTA to provide
      Primary Care Services, as specifically set forth in Schedule 4.1 hereof."

      SCHEDULE 1 - DEFINITIONS / CREDENTIALING CRITERIA, IS REPLACED WITH THE
      FOLLOWING: "the protocol for the process performed by VISTA or its
      designee to verify that a Participating Provider satisfies VISTA's
      requirements for participation in its provider network, including, but not
      limited to licensure, certification, and any other requirements and/or
      standards adopted by VISTA regarding Participating Providers'
      qualifications. Credentialing Criteria shall include protocols for the
      recredentialing process of Participating Providers from time to time with
      such frequency as VISTA may REASONABLY elect."

      SCHEDULE 1 - DEFINITIONS / MEMBER, IS REPLACED WITH THE FOLLOWING: "any
      eligible individual enrolled under any VISTA Coverage Plan, and the
      eligible dependents of such individual who are enrolled under said VISTA
      Coverage Plan, including, without limitation, a Medicare Member, a
      Medicaid Member and a Participant AS DETERMINED BY VISTA IN VISTA'S
      REASONABLE DISCRETION."

      SCHEDULE 2.1 - PCP REQUIREMENTS / C. NOTICE OF CERTAIN ACTIONS OR EVENTS,
      IS REPLACED WITH THE FOLLOWING: PCP shall WITHIN FIVE (5) BUSINESS DAYS
      notify VISTA, in writing, of any of the following actions taken by or
      against PCP: (i) the surrendering, revocation or suspension of any
      license, certification, registration or permit pertaining to the services
      provided under this Agreement; (ii) any action to restrict, suspend or
      revoke PCP's right to participate in the Medicare or Medicaid program or
      PCP's clinical or staff privileges at any hospital or health care facility
      or if PCP voluntarily relinquishes any of the foregoing; (iii) any claim
      alleging PCP's medical malpractice, Notice of Intent to Initiate
      Litigation filed against PCP, as defined in Section 766.106, Florida
      Statutes, or summons or complaint alleging PCP's medical malpractice
      RELATING TO MEMBERS; (iv) any lapse or material change in PCP's
      professional liability insurance as required under this Agreement; (v) any
      indictment or conviction of PCP for a felony; (vi) any disciplinary
      action, fine, penalty, or other sanction imposed upon PCP by AHCA, CMS,
      DOI or any other local, state or federal regulatory agency or notice of
      the commencement of a proceeding that could lead to any of the foregoing;
      or (vii) any other situation, including PCP's bankruptcy or insolvency or
      loss of any board certification, which materially adversely affects PCP's
      ability to carry out PCP's duties and obligations under this Agreement, or
      which would materially change the representations made in PCP's
      credentialing or recredentialing application.

                                       10

<PAGE>

      SCHEDULE 2.1 - PCP REQUIREMENTS/D. PCP ACCEPTANCE OF MEMBERS, IS REPLACED
      WITH THE FOLLOWING: "PCP MAY REASONABLY LIMIT, RESTRICT OR SUSPEND THE
      ABILITY OF NEW MEMBERS TO SELECT PCP FOR PRIMARY CARE SERVICES (THE
      "RESTRICTION"), EFFECTIVE IMMEDIATELY UPON WRITTEN NOTICE TO VISTA WHICH
      SHALL STATE THE REASON FOR SUCH ACTION (THE "VIOLATION"). VISTA SHALL
      COMPLY WITH ANY SUCH NOTICE; PROVIDED, HOWEVER, IF VISTA CURES SUCH
      VIOLATION TO PCPS REASONABLE SATISFACTION, PCP SHALL LIFT SUCH
      RESTRICTION."

      SCHEDULE 2.1 - PCP REQUIREMENTS / RECITAL E. INSURANCE, IS REPLACED WITH
      THE FOLLOWING: "PCP shall maintain throughout the Term, at its sole cost
      and expense, professional liability insurance and general liability
      insurance consistent with applicable law, VISTA Credentialing Criteria and
      VISTA Policies as shall be necessary to insure it and its employees and
      contractors against any and all claims for damages arising by reason of
      death or personal injuries occasioned directly or indirectly in connection
      with PCP's acts or omissions in the performance of Covered Services
      pursuant to this Agreement ("Insurance"). If PCP obtains claims-made
      Insurance, PCP shall obtain "tail" coverage that is effective upon
      termination of the claims-made policy and a retroactive effective date of
      such policy to ensure there is no lapse in coverage. PCP shall provide
      verification of compliance with this provision to VISTA upon VISTA's
      request. PCP shall ensure that its liability insurance company is required
      to provide VISTA with thirty (30) days prior written notice of
      cancellation, termination or non-renewal of PCP's Insurance. The FAILURE
      OF PCP TO MAINTAIN Insurance as required under this Agreement, shall be
      deemed to be a "material breach" of this Agreement. PCP shall immediately
      notify VISTA whenever a Member files a claim or a notice of intent to
      commence legal action against PCP, if known to PCP, including the details
      of the nature, circumstances and disposition of such claim."

      SCHEDULE 2.19 - MEDICAID REQUIREMENTS, IS DELETED IN ITS ENTIRETY.

      SCHEDULE 2.23 - NETWORK ACCESS ARRANGEMENT REQUIREMENTS, IS DELETED IN ITS
      ENTIRETY.

      SCHEDULE 4.1 COMPENSATION - SECTION I. COMPENSATION FOR CAPITATED SERVICES
      RECITAL B. DEDUCTIONS FROM CAPITATION FEE, IS REPLACED WITH THE FOLLOWING:
      "If PCP Refers a Member to a Provider in a manner inconsistent with VISTA
      Policies, the cost of any services provided by such Provider shall, at
      VISTA's discretion, be the financial responsibility of PCP, and VISTA may
      deduct such amount from THE POOL AS WITH OTHER CLAIMS AS DESCRIBED IN
      EXHIBIT 3"

      SCHEDULE 4.1 COMPENSATION - SECTION I. COMPENSATION FOR CAPITATED SERVICES
      - RECITAL C. CAPITATION FEE ADJUSTMENTS, IS REPLACED WITH THE FOLLOWING:
      "If a Member should have been included on PCP's Member list and was not so
      included, VISTA shall retroactively add such Member to PCP's panel for a
      period of up to ninety (90) days from the date VISTA determines that the
      particular Member should have been included in PCP's panel and PCP shall
      receive applicable Capitation Fee payments on behalf of that Member for
      such period. If a Member was erroneously or inappropriately placed on
      PCP's panel or is retroactively terminated, VISTA shall offset any
      Capitation Fee payment previously paid to PCP on behalf of such Member for
      a period of up to one (1) year from THE DATE OF PAYMENT and all payments
      otherwise due PCP, including the Capitation Fee; provided, however, that
      such one (1) year limitation shall not apply to Members covered under
      Federal Employee

                                       11

<PAGE>

      Health Benefit Program, Medicare or Medicaid pursuant to an adjustment
      made by CMS or AHCA, as applicable."

      SCHEDULE 4.1 COMPENSATION - SECTION II. COMPENSATION FOR NON-CAPITATED
      PRMARY CARE SERVICES - RECITAL J. BILLED CHARGES, IS REPLACED WITH THE
      FOLLOWING: " In the event PCP's Billed Charge for a service listed in any
      Exhibit hereto is changed by any amount whatsoever, in any manner
      whatsoever (the "New Billed Charge"), (i) PCP shall PROMPTLY notify VISTA;
      and (ii) this Agreement shall be automatically amended, without the need
      for PCP's consent, so that the compensation set forth herein is reduced to
      reflect the same percentage discount to the New Billed Charge for the
      particular service(s) as the compensation represents with respect to
      Billed Charge for such service(s). PCP acknowledges and agrees that
      irreparable injury will result to VISTA in the event of PCP's breach of
      this Schedule 4.1 and that a material inducement for PCP's engagement by
      VISTA are the covenants set forth in this Schedule 4.1. In the event PCP
      breaches this Schedule 4.1, VISTA shall have the right, in addition to any
      other right or remedy VISTA may have under this Agreement or at law or in
      equity, to (i) terminate this Agreement PURSUANT TO SECTION 6.3 and (ii)
      offset any and all payments otherwise due PCP from VISTA, including future
      compensation, in an amount equal to the difference between (1)
      compensation paid by VISTA to PCP where the compensation was based on the
      New Billed Charge which compensation did not equal the same percentage
      discount to the New Billed Charge for the particular service(s) as the
      compensation represented with respect to the Billed Charge for such
      service(s) and (2) compensation based on the New Billed Charge which is
      equal to the same percentage discount to the Billed Charge for the
      particular service."

      SCHEDULE 4.1 COMPENSATION - SECTION III. PAYMENTS TO VISTA- RECITAL B.
      OFFSET, IS REPLACED WITH THE FOLLOWING: "PCP acknowledges and agrees that
      VISTA may reduce payment to PCP in connection with a claim for overpayment
      at VISTA's REASONABLE discretion or in the event PCP fails to comply with
      Article III of this SCHEDULE 4.1. PROVIDED, HOWEVER, THAT VISTA SHALL HAVE
      NO OFFSET FOR ADDITIONAL COST INCURRED BY REFERRALS MADE BY PCP TO
      PROVIDERS DESIGNATED BY VISTA AS PARTICIPATING PROVIDERS SHOULD VISTA
      SUBSEQUENTLY DETERMINE THAT SUCH PROVIDER IS A NON-PARTICIPATING PROVIDER
      PROVIDED THAT SUCH ERROR OCCURRED VIA PCP'S USE OF VISTA'S WEB-BASED
      REFERRAL SYSTEM SO LONG AS USE OF SUCH SYSTEM DOES NOT CREATE AN UNDUE
      ADMINISTRATIVE BURDEN FOR PCP."

      SCHEDULE 4.1 COMPENSATION - SECTION IV. PHYSICIAN INCENTIVE PAYMENTS, IS
      REPLACED WITH THE FOLLOWING: "As required by applicable law, the parties
      shall comply with the rules applicable to Physician Incentive Plan
      Regulations contained in 42 C.F.R. 422.208 and 42 C.F.R. 422.210, as
      amended ("PIP Regulations"). PCP shall cooperate with and assist VISTA in
      complying with the PIP Regulations by providing VISTA on a periodic basis
      as required by the PIP Regulations (i) a description of the financial
      methodology between VISTA and PCP; (ii) any applicable attestations
      stating whether or not PCP is placed at substantial financial risk, as
      defined in the PIP Regulations; and (iii) taking any and all other actions
      as VISTA may request in order for VISTA to comply with the PIP
      Regulations. PCP further acknowledges and agrees that in the event PCP is
      deemed to be at substantial financial risk under the PIP Regulations, PCP
      shall (i) cooperate and assist VISTA in conducting satisfaction surveys of
      Members using PCP and (ii) obtain, at PCP's sole expense, any additional
      stop loss insurance required pursuant to the PIP Regulations. In the event
      PCP must obtain stop loss insurance pursuant to the PIP Regulations, PCP
      shall obtain

                                       12

<PAGE>

      a stop loss policy with the following terms: (i) TO THE EXTENT
      COMMERCIALLY AVAILABLE ON REASONABLE TERMS, the policy is guaranteed
      renewable; (ii) termination of the policy shall not affect or reduce the
      policy insurer's obligation to cover, or responsibility for coverage of,
      PCP's Claims for Covered Services provided to Members during the term of
      such policy and which are covered under the applicable VISTA Coverage
      Plan; (iii) VISTA is the designated beneficiary for Members covered by the
      policy for incurred but unpaid benefits for the time frame for which
      Capitation Fee payments were received by PCP in the event PCP is insolvent
      or bankrupt; and (iv) the policy insurer will provide notice of
      termination or cancellation of the policy to VISTA.

      SCHEDULE 4.1/EXHIBIT 1 - HMO COMMERCIAL - SECTION I. CAPITATION FEE RATE
      IS REPLACED WITH THE SECTION I SET FORTH ON EXHIBIT 1 ATTACHED HERETO. THE
      BALANCE OF SECTION I REMAINS UNCHANGED.

      SCHEDULE 4.1/EXHIBIT 2 - HMO INDIVIDUAL - SECTION I. CAPITATION FEE RATE
      IS REPLACED WITH THE SECTION I SET FORTH ON EXHIBIT 1 ATTACHED HERETO. THE
      BALANCE OF SECTION I REMAINS UNCHANGED.

      SCHEDULE 4.1/EXHIBIT 3 - MEDICARE - THIS SCHEDULE SHALL BE RETITLED
      "MEDICARE AND MEDICARE CHOICE ADVANTAGE" AND REPLACED WITH EXHIBIT 3
      ATTACHED HERETO.

      SCHEDULE 4.1/EXHIBIT 4 - MEDICAID, IS DELETED IN ITS ENTIRETY.

      SCHEDULE 4.1/EXHIBIT 5 - HEALTHY KIDS, IS DELETED IN ITS ENTIRETY.

      SCHEDULE 4.1/EXHIBIT 6 - POINT OF SERVICE, IS REPLACED WITH EXHIBIT 6
      ATTACHED HERETO.

      SCHEDULE 4.1/EXHIBIT 7 - PREFERRED PROVIDER ORGANIZATIONS, IS REPLACED
      WITH EXHIBIT 7 ATTACHED HERETO.

      SCHEDULE 4.1/EXHIBIT 9 - NETWORK ACCESS ARRANGEMENT, IS DELETED IN ITS
      ENTIRETY.

      SCHEDULE 4.1/EXHIBIT 10 - MEDICARE VALUE ADVANTAGE, IS REPLACED WITH
      EXHIBIT 10 ATTACHED HERETO.

      SCHEDULE 4.1/EXHIBIT 11 - MEDICARE CHOICE ADVANTAGE, IS DELETED IN ITS
      ENTIRETY.

      SCHEDULE 7 - RECORDS - SECTION I, B. FINANCIAL RECORDS, IS REPLACED WITH
      THE FOLLOWING: "PCP shall create and maintain in accordance with general
      standards for book and record keeping financial records relating to the
      operation of PCP's practice and the provision of Primary Care Services,
      including, but not limited to (i) shareholder lists; (ii) MATERIAL
      agreements and amendments related thereto, including, but not limited to
      provider agreements; (iii) corporate documents, including, but not limited
      to minutes of board of directors' meetings, articles of incorporation and
      bylaws and all amendments thereto,

                                       13

<PAGE>

      certifications and licenses, and insurance policies; (IV) financial
      statements, including, but not limited to financial opinions, balance
      sheets, profit and loss statements, cash flow statements, applicable
      notes, interim financial statements, inter-company transaction, lag
      reporting (e.g. claims paid, checks issued for the last twelve (12)
      months, as applicable), copies of debt instruments, notes and loan
      agreements, pending taxes, assessments, disputes and/or investigations,
      bank statements and reconciliations and cancelled checks; (V) reserve
      statements indicating paid and unpaid claims; (VI) Encounter Data
      transmission logs; and (VII) historical claims data (the "Financial
      Records;" General Records, Member Records and Financial Records
      collectively referred to as the "Records")".

      SCHEDULE 7 - RECORDS - SECTION II PROVISION, INSPECTION AND AUDIT OF
      RECORDS, IS REPLACED WITH THE FOLLOWING: "PCP shall provide Records only
      to authorized individuals in accordance with this Agreement and state and
      federal law. PCP shall not release original medical records except in
      accordance with federal or state laws, court orders or subpoenas. PCP
      shall permit DHHS, the United States Comptroller General, VISTA AHCA, CMS,
      DOI, and Accreditation Organization, and any other state or federal agency
      with authority over VISTA, and/or their designees to audit, evaluate,
      inspect and copy all Records, including pertinent books, contracts,
      medical records, patient care documentation and other records that pertain
      to any aspect of services performed, reconciliation of benefit
      liabilities, and determination of amount payable which are in PCP's
      possession or control as may be necessary for compliance by VISTA with the
      provisions of state and federal laws and regulations, the rules and
      regulations of Accreditation Organizations and PCP's compliance with this
      Agreement including, but not limited to, such books, contracts, medical
      records, patient care documentation and other records necessary to certify
      the nature and extent of costs of Medicare or Medicaid reimbursable
      services provided under this Agreement or otherwise related to Medicare
      Members or Medicaid Members and any additional information that CMS or
      AHCA may require. Such right of audit, evaluation, inspection and copying
      shall extend for at least six (6) years following the termination of this
      Agreement and be retained further if such Records are under review or
      audit until such review or audit is complete or as otherwise required by
      state or federal law. Further, upon VISTA's or any state or federal
      agency's or any Accreditation Organization's request and subject to
      applicable patient confidentiality restrictions, PCP shall provide a copy
      of all or part of a requested Record, including a member's medical record,
      within fifteen (15) business days of receipt of such request or such
      shorter period as required by law. PCP shall comply with any requirements
      or directives issued by VISTA which are consistent with the requirements
      of this Agreement, any Accreditation Organization, AHCA, CMS, DOI or any
      other governmental authorities as a result of any evaluation, inspection
      or audit of PCP. VISTA SHALL REIMBURSE PCP FOR ALL COSTS INCURRED BY PCP
      IN CONNECTION WITH PROVIDING ACCESS TO OR COPIES OF ANY RECORDS PURSUANT
      TO THIS SECTION. FURTHER, VISTA ACKNOWLEDGES THAT THE RECORDS ARE
      CONFIDENTIAL INFORMATION OF PCP AND WILL BE SUBJECT TO THE PROVISIONS OF
      SECTION 9 OF THE AGREEMENT."

      SCHEDULE 7 - RECORDS - SECTION IV. TRANSFER OF MEDICAL RECORDS UPON
      TERMINATION, IS REPLACED WITH THE FOLLOWING: "Upon the effective date of
      termination of this Agreement (and the expiration of any period of any
      continuing care obligation), or such earlier date a Member may select or
      be assigned to another provider, regardless of whether this Agreement then
      remains in effect, pursuant to a Member's or VISTA's request, PC shall
      copy all such Member's medical records in PCP's possession and forward
      such records, at no cost to

                                       14

<PAGE>

      Member, to (i) such other provider as designated by VISTA; (ii) the
      Member; and (iii) VISTA, as requested by VISTA or the Member. SUCH COPIES
      OF THE MEMBER'S MEDICAL RECORDS MAY BE IN SUMMARY FORM. ALL REASONABLE
      COSTS INCURRED BY PCP IN COPYING SUCH RECORDS SHALL BE REIMBURSED BY VISTA
      IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS."

II.   MISCELLANEOUS.

      A.    Except as provided hereinabove, all of the terms and conditions
            contained in the Agreement shall remain unchanged and in full force
            and effect.

      B.    This Amendment is made pursuant to and in accordance with the terms
            and conditions of the Agreement.

      C.    All capitalized but not defined terms used herein shall have those
            meanings ascribed to them in the Agreement.

      IN WITNESS WHEREOF, the parties to this Amendment have caused the
execution of this Amendment as of the day and year first above written.

                       VISTA HEALTHPLAN, INC.

                       By: /s/ Duell O. Wise
                           ---------------------------------
                       Print Name: Duell O. Wise
                       Its: Executive Vice President

                       VISTA INSURANCE PLAN, INC.

                       By: /s/ Duell O. Wise
                           ---------------------------------
                       Print Name: Duell O. Wise
                       Its: Executive Vice President

                       PROVIDER

                      By: /s/ Richard C. Pfenniger, Jr.
                          ----------------------------------
                      Print Name: Richard C. Pfenniger, Jr.
                      Its: President

                                       15

<PAGE>

                                   SCHEDULE D
                                BENEFIT PROGRAMS

      PCP shall provide Primary Care Services in accordance with this
Agreement to Members who participates in the following Benefit Programs, as may
be amended from time to time.

         HMO Commercial
         HMO Individual
         Medicare
         Point of Service
         Preferred Provider Organization
         Exclusive Provider Organization
         Medicare Value Advantage
         Medicare Choice Advantage

                                       16<PAGE>

                                                                    EXHIBIT 10.1

                              EMPLOYMENT AGREEMENT

      This Employment Agreement (the "Agreement") is made effective as of
November 9, 2004, by and between Heartland Bancshares, Inc. (the "Holding
Company"), Heartland National Bank (the "Bank"), and James C. Clinard (the
"Executive").

                                   WITNESSETH:

      WHEREAS, the Holding Company and the Bank (collectively the "Company")
desire to retain the services of and employ the Executive, and the Executive
desires to provide services to the Company, pursuant to the terms and conditions
of this Agreement.

      NOW, THEREFORE, in consideration of the promises and of the covenants and
agreements herein contained, the Company and the Executive covenant and agree as
follows:

1. Employment. Pursuant to the terms and conditions of this Agreement, the
Company agrees to employ the Executive and the Executive agrees to render
services to the Company as set forth herein, all effective as of the date set
forth above. This Agreement supercedes any prior employment agreement entered
into between the Company and the Executive prior to the date hereof, and any
such prior employment agreement is hereby terminated.

2. Position and Duties: Records. During the term of this Agreement, the
Executive shall serve as President and Chief Executive Officer of the Holding
Company and the Bank, and shall undertake such duties, consistent with such
titles, as may be assigned to him from time to time by the Boards of Directors
of the Holding Company and the Bank (collectively referred to as the "Board"),
including management of all Company personnel, serving on Board committees as
appointed from time to time by the Board, keeping the Board informed of industry
and regulatory developments regarding the Company, coordinating with Company
personnel and third-parties to the extent necessary to further the profitability
and business of the Company, and assisting in keeping the Company in compliance
with applicable laws and regulations. During the term of this Agreement, the
Executive also shall serve as a director of the Holding Company and the Bank. In
performing his duties pursuant to this Agreement, the Executive shall devote his
full business time, energy, skill and best efforts to promote the Company and
its business and affairs; provided that, subject to Sections 10, 12 and 13 of
this Agreement, the Executive shall have the right to manage and pursue personal
and family interests, and make passive investments in securities, real estate,
and other assets, and also to participate in charitable and community activities
and organizations, so long as such activities do not adversely affect the
performance by Executive of his duties and obligations to the Company. Upon
termination of the Executive's employment for any reason, he shall resign as a
director of the Holding Company and the Bank. All files, records, documents,
manuals, books, forms, reports, memoranda, studies, data, calculations,
recordings or correspondence, in whatever form they may exist, and all copies,
abstracts and summaries of the foregoing, and all physical items related to the
business of the Company, its affiliates and their respective directors and
officers, whether of a public nature or not, and whether prepared by Executive
or not, are and shall remain the exclusive property of the

<PAGE>

Company, and shall not be removed from their premises, except as required in the
course of providing the services pursuant to this Agreement, without the prior
written consent of the Company. Such items shall be promptly returned by the
Executive on the termination of this Agreement or at any earlier time upon the
request of the Company.

3. Term. The term of employment pursuant to this Agreement shall be for a period
of three years, commencing with the date set forth in Section 1 and expiring
(unless sooner terminated as otherwise provided in this Agreement or unless
otherwise renewed or extended as set forth herein) on the third anniversary of
this Agreement, which date, including any earlier date of termination or any
extended expiration date, shall be referred to as the "Expiration Date".
Subject to the provisions of Section 8 of this Agreement, the term of this
Agreement and the employment of the Executive by the Company hereunder shall be
deemed automatically renewed for successive periods of three years on each
anniversary date of this Agreement, until the Executive receives written notice
from the Company that the term of this Agreement will not be automatically
renewed. In the event of the Executive's receipt of such notice from the Company
that the term of this Agreement will not be renewed, the term of this Agreement
shall end on the anniversary of this Agreement occurring three years after the
anniversary date first occurring after the date such notice is given. As an
illustration of the foregoing, if such notice were given by the Company to the
Executive on a date in 2005 before the first anniversary date of this Agreement,
then term of this Agreement would end on the anniversary date of this Agreement
in 2008. If notice were given by the Company to the Executive on a date in 2005
after the first anniversary date of this Agreement, then the term of this
Agreement would end on the anniversary date in 2009. After termination of the
employment of the Executive for any reason whatsoever, the Executive shall
continue to be subject to the provisions of Sections 10 through 21, inclusive,
of this Agreement; provided, however, that the Executive shall be subject to the
provisions of Sections 12 and 13 only where the employment of the Executive is
terminated pursuant to Sections 8(a) or (c).

4. Compensation. During the term of this Agreement, the Company shall pay or
provide to the Executive as compensation for the services of the Executive set
forth in Section 2 hereof:

            (a) A base annual salary of $137,500.00 during the first year of
this Agreement, such base annual salary to be subject to increase on January 1
of each year thereafter (commencing with January 1, 2005) as the Board in its
discretion shall determine. The foregoing base salary shall be payable in such
periodic installments consistent with other employees of the Bank.

            (b) Such incentive bonuses as determined by the Board from time to
time.

5. Benefits and Insurance. The Bank shall provide to the Executive such medical,
health, and life insurance as well as any other benefits as the Board shall
determine from time to time. At a minimum, the Executive shall be entitled to
(i) participate in all employee benefit plans offered to the Bank's employees
generally, and (ii) life insurance coverage (payable to such beneficiary as the
Executive may designate from time to time). The Executive also shall be

                                        2
<PAGE>

entitled to participate in any group disability plan maintained by the Bank, if
any, with the Bank paying to the Executive his base annual salary during any
waiting period imposed by such plan for the receipt of disability benefits
thereunder. The Bank also shall provide to the Executive salary continuation
benefits upon such terms and conditions as may be mutually agreed upon by the
Executive and the Bank.

6. Vacation. The Executive may take up to four weeks of vacation time at such
periods during each year as the Board and the Executive shall determine from
time to time. The Executive shall be entitled to full compensation during such
vacation periods.

7. Reimbursement of Expenses. The Bank shall reimburse the Executive for
reasonable expenses incurred in connection with his employment hereunder subject
to guidelines issued from time to time by the Board and upon submission of
documentation in conformity with applicable requirements of federal income tax
laws and regulations supporting reimbursement of such expenses.

8. Termination. The employment of the Executive may be terminated as follows:

            (a) By the Company, by action taken by its Board, at any time and
immediately upon written notice to the Executive if said termination is for
Cause. In the notice of termination furnished to the Executive under this
Section 8(a), the reason or reasons for said termination shall be given and, if
no reason or reasons are given for said termination, said termination shall be
deemed to be without Cause and therefore termination pursuant to Section 8(f).
Any one or more of the following conditions shall be deemed to be grounds for
termination of the employment of the Executive for Cause under this Section
8(a):

                  (i) If the Executive shall fail or refuse to comply with the
obligations required of him as set forth in this Agreement or comply with the
policies of the Company established by the Board from time to time; provided,
however, that for the first such failure or refusal, the Executive shall be
given written warning (providing at least a 10 day period for an opportunity to
cure), and the second failure or refusal shall be grounds for termination for
Cause;

                  (ii) If the Executive shall have engaged in conduct involving
fraud, deceit, personal dishonesty, or breach of fiduciary duty;

                  (iii) If the Executive shall have violated any banking law or
regulation, memorandum of understanding, cease and desist order, or other
agreement with any banking agency having jurisdiction over the Company which, in
the judgment of the Board, has adversely affected, or may adversely affect, the
business or reputation of the Company as determined by the Board;

                  (iv) If the Executive shall have become subject to continuing
intemperance in the use of alcohol or drugs which has adversely affected, or may
adversely affect, the business or reputation of the Company as determined by the
Board;

                                        3
<PAGE>

                  (v) If the Executive shall have filed, or had filed against
him, any petition under the federal bankruptcy laws or any state insolvency
laws; or

                  (vi) If any banking authority having supervisory jurisdiction
over the Holding Company or the Bank initiates any proceedings for removal of
the Executive.

                  In the event of termination for Cause, the Company shall pay
the Executive only salary and vacation amounts accrued and unpaid as of the
effective date of termination.

            (b) By the Executive upon the lapse of 30 days following written
notice by the Executive to the Company of termination of his employment
hereunder for Good Reason (as defined below), which notice shall reasonably
describe the Good Reason for which the Executive's employment is being
terminated; provided, however, that if the Good Reason specified in such notice
is such that there is a reasonable prospect that it can be cured with diligent
effort within 30 days, the Company shall have the opportunity to cure such Good
Reason, for a period not to exceed 30 days from the date of such notice, and the
Executive's employment shall continue in effect during such time so long as the
Company makes diligent efforts during such time to cure such Good Reason. If
such Good Reason shall be cured by the Company during such time, the Executive's
employment and the obligations of the Company hereunder shall not terminate as a
result of the notice which has been given with respect to such Good Reason. Cure
of any Good Reason with or without notice from the Executive shall not relieve
the Company from any obligations to the Executive under this Agreement or
otherwise and shall not affect the Executive's rights upon the reoccurrence of
the same, or the occurrence of any other, Good Reason. For purposes of this
Agreement, the term "Good Reason" shall mean (i) any material breach by the
Company of any provision of this Agreement, or (ii) any significant reduction
(not pertaining to job performance issues), in the duties, responsibilities,
authority or title of the Executive as an officer of the Company.

            If the Executive's employment is terminated by the Executive for
Good Reason, the Company shall for a period of one year thereafter, (i) continue
to pay to the Executive the base annual salary in effect under Section 4(a) on
the date of said termination (or, if greater, the highest annual salary in
effect for the Executive within the 36 month period prior to said termination)
plus an annual amount equal to any bonus paid by the Company to the Executive
during the 12 month period prior to said termination, such salary and bonus to
be payable in such periodic installments (and not as a lump sum payment)
consistent with the payroll periods for the Company's payments to its other
employees, and (ii) reimburse the Executive for COBRA payments made by the
Executive to continue his health insurance coverage during such one-year period.

            (c) By the Executive upon the lapse of 45 days following written
notice by the Executive to the Company of his resignation from the Company for
other than Good Reason; provided, however, that the Company, in its discretion,
may cause such termination to be effective at any time during such 45-day
period. If the Executive's employment is terminated

                                        4
<PAGE>

because of the Executive's resignation, the Company shall be obligated to pay to
the Executive any salary and vacation amounts accrued and unpaid as of the
effective date of such resignation.

            (d) If the Executive's employment is terminated by the death of the
Executive, this Agreement shall automatically terminate, and the Company shall
be obligated to pay to the Executive's estate any salary, vacation, and bonus
amounts accrued and unpaid at the date of death. If the Executive is disabled
(as such term is defined in the disability insurance plan maintained by the
Company), then the Company shall have the right to terminate the Executive's
employment, in which case the Company shall be obligated to pay to the Executive
(i) any salary, vacation and bonus amounts accrued and unpaid at the date of
such termination of employment, and (ii) continued salary payments (not to
exceed 30 days) until the Executive is eligible to receive payments under the
Company's disability insurance plan.

            (e) By the Company or the Executive upon the closing of a Change of
Control, in which event the Executive shall be entitled to receive
simultaneously with such closing in a lump sum payment, an amount equal to two
times the then base annual salary received by the Executive during the three
year period prior to such termination. Any termination by the Executive pursuant
to this Section 8(e) shall be in lieu of any other termination benefits that the
Executive would have otherwise received under any other provision of this
Section 8. For purposes of this Agreement, a Change of Control shall mean a
merger in which the Holding Company is not the surviving entity, the acquisition
of the Bank by means of a merger, consolidation or purchase of 80% or more of
its outstanding shares, or the acquisition by any individual or group of
beneficial ownership of more than 50% of the outstanding shares of Holding
Company common stock. The term "group" and the concept of beneficial ownership
shall have such meanings ascribed thereto as set forth in the Securities
Exchange Act of 1934, as amended (the "1934 Act"), and the regulations and rules
thereunder.

            (f) By the Company, by action taken by its Board, at any time if
said termination is without Cause. If the Executive's employment is terminated
by the Company without Cause, the Company shall for a period of one year
thereafter, (i) continue to pay to the Executive the base annual salary in
effect under Section 4(a) on the date of said termination (or, if greater, the
highest annual salary in effect for the Executive within the 36 month period
prior to said termination) plus an annual amount equal to any bonus paid by the
Company to the Executive during the 12 month period prior to said termination,
such salary and bonus to be payable in such periodic installments (and not as a
lump sum payment) consistent with the payroll periods for the Company's payments
to its other employees, and (ii) reimburse the Executive for COBRA payments made
by the Executive to continue his health insurance coverage during such one-year
period.

            (g) Excise Tax. In the event that any consideration or other amount
paid or payable to Executive hereunder as well as any other agreements between
the Executive and the Company constitutes or is deemed to be an "excess
parachute payment" within the meaning of Section 280G(b) of the Internal Revenue
Code of 1986 (or any other amended or successor provision) that is subject to
the tax imposed pursuant to Section 4999 of the Internal Revenue Code of 1986
(or any other amended or successor provisions) ("Excise Tax"), the Company shall
pay to Executive an amount ("Gross-Up Amount") that, after reduction of the
amount of such Gross-Up Amount for all federal, state and local tax to which the
Gross-Up Amount is subject

                                        5
<PAGE>

(including the Excise Tax to which the Gross-Up Amount is subject) is equal to
the amount of the Excise Tax to which such amount constituting an excess
parachute payment is subject. For purposes of determining the amount of any
Gross-Up Amount, Executive shall be deemed to pay federal income taxes at the
highest marginal rate of federal income taxation in the calendar year in which
the Gross-Up Amount is to be made and state and local income taxes at the
highest marginal rate of taxation in the state and locality of residence of
Employee on the date the excess parachute payment is made, net of the maximum
reduction in federal income taxes that could be obtained from the deduction of
such state and local taxes.

9. Notice. All notices permitted or required to be given to either party under
this Agreement shall be in writing and shall be deemed to have been given (a) in
the case of delivery, when addressed to the other party as set forth at the end
of this Agreement and delivered to said address, (b) in the case of mailing,
three days after the same has been mailed by certified mail, return receipt
requested, and deposited postage prepaid in the U.S. Mails, addressed to the
other party at the address as set forth at the end of this Agreement, and (c) in
any other case, when actually received by the other party. Either party may
change the address at which said notice is to be given by delivering notice of
such to the other party to this Agreement in the manner set forth herein.

10. Confidential Matters. The Executive is aware and acknowledges that the
Executive shall have access to confidential information by virtue of his
employment. The Executive agrees that, during the period of time the Executive
is retained to provide services to the Company, and thereafter subsequent to the
termination of Executive's services to the Company for any reason whatsoever,
the Executive will not release or divulge any confidential information
whatsoever relating to the Company or its business, to any other person or
entity without the prior written consent of the Company. Confidential
information does not include information that is available to the public or
which becomes available to the public other than through a breach of this
Agreement on the part of the Executive. Also, the Executive shall not be
precluded from disclosing confidential information in furtherance of the
performance of his services to the Company or to the extent required by any
legal proceeding.

11. Injunction Without Bond. In the event there is a breach or threatened breach
by the Executive of the provisions of Sections 10, 12, or 13, the Company shall
be entitled to an injunction without bond to restrain such breach or threatened
breach, and the prevailing party in any such proceeding will be entitled to
reimbursement for all costs and expenses, including reasonable attorneys' fees
in connection therewith. Nothing herein shall be construed as prohibiting the
Company from pursuing such other remedies available to it for any such breach or
threatened breach including recovery of damages from the Executive.

12. Noncompetition. The Executive agrees that during the period of time the
Executive is retained to provide services to the Company, and thereafter for a
period of one year subsequent to the termination of Executive's services to the
Company for any reason whatsoever (but only in the case where the employment of
the Executive is terminated pursuant to Sections 8(a) or (c)), Executive will
not enter the employ of, or have any interest in, directly or indirectly (either
as executive, partner, director, officer, consultant, principal, agent or
employee), any

                                        6
<PAGE>

other bank or financial institution or any entity which either accepts deposits
or makes loans (whether presently existing or subsequently established) and
which has an office located within a radius of 50 miles of any office of the
Bank (a "Competitive Activity"); provided, however, that the foregoing shall not
preclude any ownership by the Executive of an amount not to exceed 5% of the
equity securities of any entity which is subject to the periodic reporting
requirements of the 1934 Act and the shares of Company common stock owned by the
Executive at the time of termination of employment.

13. Nonsolicitation; Noninterference; Nondisparagement. The Executive agrees
that during the period of time the Executive is retained to provide services to
the Company, and thereafter for a period of one year subsequent to the
termination of Executive's services to the Company for any reason whatsoever,
(but only in the case where the employment of the Executive is terminated
pursuant to Sections 8(a) or (c)), the Executive will not (a) solicit for
employment by Executive, or anyone else, or employ any employee of the Company
or any person who was an employee of the Company within 12 months prior to such
solicitation of employment; (b) induce, or attempt to induce, any employee of
the Company to terminate such employee's employment; (c) induce, or attempt to
induce, anyone having a business relationship with the Company to terminate or
curtail such relationship or, on behalf of himself or anyone else, to compete
with the Company; or (d) permit anyone controlled by the Executive, or any
person acting on behalf of the Executive or anyone controlled by, an employee of
the Executive to do any of the foregoing. The Executive also agrees that during
the term of this Agreement and thereafter, the Executive will not disparage,
denigrate or comment negatively upon, either orally or in writing, the Company,
any of its affiliates, or any of their respective officers or directors, to or
in the presence of any person or entity, unless compelled to act by subpoena or
other legal mandate.

14. Remedies. The Executive agrees that the restrictions set forth in this
Agreement are fair and reasonable. The covenants set forth in this Agreement are
not dependent covenants and any claim against the Company, whether arising out
of this Agreement or any other agreement or contract between the Company and
Executive, shall not be a defense to a claim against Executive for a breach or
alleged breach of any of the covenants of Executive contained in this Agreement.
It is expressly understood by and between the parties hereto that the covenants
contained in this Agreement shall be deemed to be a series of separate
covenants. The Executive understands and agrees that if any of the separate
covenants are judicially held invalid or unenforceable, such holding shall not
release him from his obligations under the remaining covenants of this
Agreement. If in any judicial proceedings, a court shall refuse to enforce any
or all of the separate covenants because taken together they are more extensive
(whether as to geographic area, duration, scope of business or otherwise) than
necessary to protect the business and goodwill of the Bank, it is expressly
understood and agreed between the parties hereto that those separate covenants
which, if eliminated or restricted, would permit the remaining separate
covenants or the restricted separate covenant to be enforced in such proceeding
shall, for the purposes of such proceeding, be eliminated from the provisions of
this Agreement or restriction, as the case may be.

15. Invalid Provision. In the event any provision should be or become invalid or
unenforceable, such facts shall not affect the validity and enforceability of
any other provision of

                                        7
<PAGE>

this Agreement. Similarly, if the scope of any restriction or covenant contained
herein should be or become too broad or extensive to permit enforcement thereof
to its full extent, then any such restriction or covenant shall be enforced to
the maximum extent permitted by law, and Executive hereby consents and agrees
that the scope of any such restriction or covenant may be modified accordingly
in any judicial proceeding brought to enforce such restriction or covenant.

16. Governing Law. This Agreement shall be construed in accordance with and
shall be governed by the laws of the State of Florida.

17. Arbitration. Except for injunctive relief as provided in Section 11 above,
all disputes between the parties hereto concerning the performance, breach,
construction or interpretation of this Agreement, or in any manner arising out
of this Agreement, shall be submitted to binding arbitration in accordance with
the rules of the American Arbitration Association, which arbitration shall be
carried out in the manner set forth below:

            (a) Within fifteen (15) days after written notice by one party to
the other party of its demand for arbitration, which demand shall set forth the
name and address of its designated arbitrator, the other party shall select its
designated arbitrator and so notify the demanding party. Within fifteen (15)
days thereafter, the two arbitrators so selected shall select the third
arbitrator. The dispute shall be heard by the arbitrators within sixty (60) days
after selection of the third arbitrator. The decision of any two arbitrators
shall be binding upon the parties. Should any party or arbitrator fail to make a
selection, the American Arbitration Association shall designate such arbitrator
upon the application of either party. The decision of the arbitrators shall be
final and binding upon the Company, its successors and assigns, and upon
Executive, his successors and representatives, as the case may be.

            (b) Unless the Parties agree otherwise, the arbitration proceedings
shall take place in the city where the headquarters of the Holding Company is
located. The judgment and determination of such proceedings shall be binding on
all parties thereto. Judgment upon any award rendered by the arbitrators may be
entered into any court having competent jurisdiction without any right of
appeal.

            (c) Each party shall bear its or his own expenses of arbitration,
and the expenses of the arbitrators and the arbitration proceeding shall be
shared equally. However, if in the opinion of a majority of the arbitrators, any
claim or defense was unreasonable, the arbitrators may assess, as part of their
award, all or any part of the arbitration expenses of the other party (including
reasonable attorneys' fees) and of the arbitrators and the arbitration
proceeding against the party raising such unreasonable claim or defense.

18. Binding Effect. This Agreement shall be binding on and inure to the benefit
of the parties hereto and their respective successors and legal representatives
and beneficiaries.

19. Effect on Other Agreements. This Agreement and the termination thereof shall
not affect any other agreement between the Executive and the Company, and the
receipt by the Executive of benefits thereunder.

                                        8
<PAGE>

20. Miscellaneous. The rights and duties of the parties hereunder are personal
and may not be assigned or delegated without the prior written consent of the
other party to this Agreement. The captions used herein are solely for the
convenience of the parties and are not used in construing this Agreement. Time
is of the essence of this Agreement and the performance by each party of its or
his duties and obligations hereunder.

21. Complete Agreement. This Agreement constitutes the complete agreement
between the parties hereto with respect to the subject matter hereof and
incorporates all prior discussions, agreements and representations made in
regard to the matters set forth herein. This Agreement may not be amended,
modified or changed except by a writing signed by the party to be charged by
said amendment, change or modification.

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

HEARTLAND BANCSHARES, INC.             HEARTLAND NATIONAL BANK
Edward L. Smoak                        Edward L. Smoak
----------------------------           -----------------------------
By: /s/ Edward L. Smoak                By: /s/ Edward L. Smoak
    ------------------------           -----------------------------
    Chairman of the Board              Chairman of the Board

                                       "EXECUTIVE"

                                        /s/ James C. Clinard
                                       -----------------------------
                                       James C. Clinard, individually
                                       Address: 106 Marbet Drive
                                                Lake Placid, Florida 33852

                                        9

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00078-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00078-of-00352.parquet"}]]