Document:

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EXHIBIT 10.12

                           INDEMNIFICATION AGREEMENT

          THIS AGREEMENT (this "Agreement") is made and entered into as of this
11/th/ day of October, 2001, between Covalent Group, Inc., a Nevada corporation
(the "Company") and the individual whose name appears on the signature page
hereto (the "Director").

                                   BACKGROUND

          The Director performs a valuable service in such capacity for the
Company. To induce the Director to continue to serve as a member of the Board of
Directors of the Company, the Company has determined and agreed to enter into
this Agreement with the Director.

                                   AGREEMENT

          NOW, THEREFORE, in consideration of the promises contained in this
Agreement and the Director's agreement to serve as a director, the parties
hereto, intending to be legally bound, agree as follows:

          1. Certain Definitions. Capitalized terms used in this Agreement shall
             -------------------
have the meanings set forth on Appendix A to this Agreement. Other terms are
                               ----------
defined where appropriate in this Agreement.

          2. Scope of Indemnity.  The Company shall hold harmless and indemnify
             ------------------
the Director from any action described in Sections 3 and 4 of this Agreement to
the fullest extent permitted by Nevada law, now in effect or as may hereafter be
in effect, including any changes after the date of the Agreement in any
applicable law, statute, or rule which expands the right of a Nevada corporation
to indemnify a member of its board of directors.  All such changes shall be,
ipso facto, within the purview of the Director's rights and the Company's
---- -----
obligations under this Agreement.  In the event of any change in any applicable
law, statute, or rule which narrows the right of a Nevada corporation to
indemnify a member of its board of directors, such changes, to the extent not
otherwise required by such law, statute or rule to be applied to the Agreement
shall have no effect on this Agreement or the parties' rights and obligations
hereunder or to any matter that arose from circumstances that occurred before
the effective date of such change.

          3. Indemnity of the Director. Subject only to the limitations
             -------------------------
contained in Section 5 of this Agreement, the Company shall hold harmless and
indemnify the Director to the fullest extent permitted by Nevada law if the
Director was or is a party or is threatened to be made a party to any Proceeding
(other than an action by or in the right of the Company), because the Director
is or was a director, officer, employee or agent of the Company or any
subsidiary of the Company, or is or was serving at the request of the Company as
a director, officer, employee or agent of another corporation, partnership,
joint venture, trust or other enterprise, or is or was serving in a fiduciary
capacity with respect to any profit sharing, pension, or other type of benefit
plan or trust for the benefit of employees of the Company or any subsidiary of
the Company against all Expenses and Liabilities actually incurred by the
Director in connection with the

                                      -1-
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Proceeding, unless a final adjudication establishes that the Director's acts or
omissions involved intentional misconduct, fraud or a knowing violation of the
law and was material to the cause of action.

          4. Proceeding by or in the Right of the Company. Subject only to the
             --------------------------------------------
limitations contained in Section 5 of this Agreement, the Company shall
indemnify the Director to the fullest extent permitted by Nevada law if the
Director was or is a party or is threatened to be a party to any Proceeding by
or in the right of the Company or by or in the right of any employee benefit
plan or trust to procure a judgment in its favor and to which the Director was
or is a party because the Director is or was a director, officer, stockholder,
employee, or agent of the Company or is or was serving at the request of the
Company as a director, officer, employee or agent of another corporation,
partnership, joint venture, trust or other enterprise, or that the Director is
or was serving in a fiduciary capacity with respect to any profit sharing,
pension or other type of benefit plan for the benefit of employees of the
Company or any subsidiary of the Company against all Expenses and Liabilities
actually incurred by the Director in connection with the defense or settlement
of the Proceeding unless a final adjudication establishes that the Director's
acts or omissions involved intentional misconduct, fraud or a knowing violation
of the law and was material to the cause of action.

          5. Limitations on Indemnity.
             ------------------------

               (a)  No indemnity pursuant to Sections 3 or 4 of this Agreement
shall be paid by the Company for any of the following:

                    (i)   in respect of remuneration paid to the Director if it
shall be determined by a final judgment or other final adjudication that such
remuneration was in violation of law;

                    (ii)  on account of any Proceeding in which judgment is
rendered against the Director for an accounting of profits made from the
purchase or sale by the Director of securities of the Company pursuant to the
provisions of Section 16 of the Securities Exchange Act of 1934 and amendments
thereto or similar provisions of any federal, state or local statutory law;

                    (iii) provided there has been no Change of Control, on
account of or arising in response to any Proceeding (other than a Proceeding
referred to in Section 12(b) hereof) initiated by the Director or any of the
Director's affiliates against the Company or against any officer, director or
stockholder of the Company unless such Proceeding was authorized by the Board of
Directors of the Company;

                    (iv)  if a final decision by a court having jurisdiction in
the matter shall determine that such indemnification is not lawful; or

                    (v)   on account of any Proceeding to the extent that the
Director is a plaintiff, a counter-complainant or a cross-complainant therein
(other than an action, suit or proceeding permitted by Section 5(a)(iii) or
Section 12(b) of this Agreement).

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               (b)  In addition to those limitations set forth above in
paragraph (a) of this Section 5, no indemnity pursuant to Section 4 of this
Agreement in an action by or in the right of the Company shall be paid by the
Company for any of the following:

                    (i)   with respect to any transaction from which the
Director derived an improper personal benefit, if so established by an Adverse
Judgment;

                    (ii)  on account of acts or omissions that show a reckless
disregard for the Director's duty to the Company or its stockholders in
circumstances in which the Director was aware, or should have been aware, in the
ordinary course of performing a director's duties, of a risk of serious injury
to the Company or its stockholders, if so established by an Adverse Judgment;
and

                    (iii) Liabilities and Expenses paid or incurred in
settlement of a pending Proceeding without the approval of the Company, which
approval shall not be unreasonably withheld.

          6. Procedure for Determination of Entitlement to Indemnification.
             -------------------------------------------------------------

               (a)  Whenever the Director believes that he is entitled to
indemnification pursuant to this Agreement, the Director shall submit a written
request for indemnification to the Company. A request for indemnification shall
include sufficient documentation or information reasonably available to the
Director to support his claim for indemnification. The Director shall submit his
claim for indemnification within a reasonable time not to exceed three years
after any judgment, order, settlement, dismissal, arbitration award, conviction,
acceptance of a plea of nolo contendere or its equivalent, final termination or
other disposition or partial disposition of any Proceeding, whichever is the
later date for which the Director requests indemnification. The president or the
secretary or other appropriate officer of the Company shall, promptly upon
receipt of the Director's request for indemnification, advise the Board of
Directors in writing that the Director has made such a request. Determination of
the Director's entitlement to indemnification shall be made not later than 90
days after the Company's receipt of his written request for such
indemnification.

               (b)  The Director shall be entitled to select the forum in which
the Director's request for indemnification will be heard, which selection shall
be included in the written request for indemnification required in Section 6(a).
If the Director fails to make such designation, his claim shall be determined by
the forum selected by the Company. The forum shall be one of the following:

                    (i)   A quorum of the Board of Directors consisting of
Disinterested Directors; or

                    (ii)  Independent Legal Counsel, who shall make the
determination in a written opinion.

          7. Presumptions and Effect of Certain Proceedings. Upon making a
             ----------------------------------------------
request for indemnification, the Director shall be presumed to be entitled to
indemnification under this Agreement and the Company shall have the burden of
proof to overcome that presumption in

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reaching any contrary determination. The termination of any Proceeding by
judgment, order, settlement, arbitration award or conviction, or upon a plea of
nolo contendere or its equivalent shall not affect this presumption or establish
a presumption with regard to any factual matter relevant to determining the
Director's rights to indemnification under this Agreement. If the person or
group so empowered to make a determination pursuant to Section 66(b) hereof
fails to make the requested determination within 90 days after receipt of the
written request required by Section 6(a) hereof, the determination that the
Director is entitled to indemnification shall be deemed to have been made.

          8.  Contribution. If the indemnification provided in Sections 2, 3 and
              ------------
4 is unavailable and may not be paid to the Director for any reason other than
those set forth in Section 5 (excluding subsection 5(b)(iii)), then in respect
of any Proceeding in which the Company is or is alleged to be jointly liable
with the Director, the Company shall contribute to the amount of Expenses and
Liabilities actually incurred and paid or payable by the Director in such
proportion as is appropriate to reflect:

                    (i)   the relative benefits received by the Company on the
one hand and the Director on the other hand from the transaction or events that
form the basis of the Proceeding giving rise to the Director's Expenses and
Liabilities, and

                    (ii)  the relative fault of the Company on the one hand and
of the Director on the other in connection with the events that resulted in such
Expenses and Liabilities, as well as any other relevant equitable
considerations. The relative fault of the Company on the one hand and of the
Director on the other shall be determined by reference to, among other things,
the parties' relative intent, knowledge, access to information and opportunity
to correct or prevent the circumstances resulting in such Expenses and
Liabilities. The Company agrees that it would not be just and equitable if
contribution pursuant to this Section 8 were determined by pro rata allocation
or any other method of allocation which does not take account of the foregoing
equitable considerations.

          9.  Continuation of Obligations. All obligations of the Company
              ---------------------------
contained herein shall continue during the period the Director is a director,
officer, employee or agent of the Company (or is or was serving at the request
of the Company as a director, officer, employee or agent of another corporation,
partnership, joint venture, trust or other enterprise) and shall continue
thereafter so long as the Director shall be subject to any possible claim or
threatened, pending or completed Proceeding, by reason of the fact that the
Director was serving the Company or any such other entity in any capacity
referred to herein.

          10. Notification and Defense of Claim. Promptly after receipt by the
              ---------------------------------
Director of notice of the commencement of any Proceeding, the Director will, if
a claim in respect thereof is to be made against the Company under this
Agreement, notify the Company of the commencement thereof; but the failure so to
notify the Company shall not relieve the Company from any liability which it may
have to the Director under this Agreement, unless and only to the extent that
the failure to provide notice results in prejudice to the Company. With respect
to any such Proceeding as to which the Director notifies the Company of the
commencement thereof:

               (a) the Company will be entitled to participate therein at its
own expense;

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               (b)  except as otherwise provided below, to the extent that it
may wish, the Company jointly with any other indemnifying party similarly
notified will be entitled to assume the defense thereof, with counsel reasonably
satisfactory to the Director. After notice from the Company to the Director of
its election to assume the defense thereof, the Company will not be liable to
the Director under this Agreement for any Expenses subsequently incurred by the
Director in connection with the defense thereof other than reasonable costs of
investigation or as otherwise provided below. The Director shall have the right
to employ its counsel in such action, suit or proceeding, but the fees and
expenses of such counsel incurred after notice from the Company of its
assumption of the defense thereof shall be at the expense of the Director
unless:

                    (i)   the employment of counsel by the Director has been
authorized by the Company,

                    (ii)  counsel to the Company reasonably concludes and
notifies the Director that there may be a conflict of interest between the
Company and the Director in the conduct of the defense of such action, and the
Director notifies the Company after receiving such notice from the Company that
he is engaging counsel, or

                    (iii) the Company shall not in fact have employed counsel to
assume the defense of such action. In each of the foregoing three cases, the
Company shall reimburse the Director for all Expenses incurred by him. The
Company shall not be entitled to assume the defense of any Proceeding brought by
or on behalf of the Company or as to which the Director shall have made the
conclusion referred to in (ii) above; and

               (c)  the Company shall not settle any Proceeding in any manner
which would impose any penalty or limitation on the Director without the
Director's prior written consent.

          11. Advancement and Repayment of Expenses.
              -------------------------------------

               (a)  If the Director employs his own counsel pursuant to Section
10(b)(i) through (iii) above, the Company shall advance to the Director, prior
to any final disposition of any Proceeding, all Expenses incurred in
investigating or defending any Proceeding within 30 days after receiving copies
of invoices presented to the Director for such Expenses.

               (b)  The Director shall reimburse the Company for all Expenses
paid by the Company in defending any Proceeding against the Director if, and
only to the extent that, it is ultimately determined by a final judicial
decision (from which there is no right of appeal) that the Director is not
entitled, under applicable law, the Company's articles of incorporation or
bylaws, this Agreement or otherwise, to be indemnified by the Company for such
Expenses.

          12. Remedies of the Director.
              ------------------------

               (a)  If (i) a determination pursuant to Section 6 hereof is made
that the Director is not entitled to indemnification, (ii) advances of Expenses
are not made pursuant to this Agreement, (iii) payment has not been timely made
following a determination of entitlement to indemnification pursuant to this
Agreement, or (iv) the Director otherwise seeks enforcement of this Agreement,
the Director shall be entitled to a final adjudication of his rights in an

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appropriate court. The Company shall not oppose the Director's right to seek any
such adjudication.

               (b)  If a determination that the Director is not entitled to
indemnification, in whole or in part, has been made pursuant to Section 6
hereof, the decision in the judicial proceeding provided in paragraph (a) of
this Section 12 shall be made de novo and the Director shall not be prejudiced
by reason of a determination that he is not entitled to indemnification.

               (c)  If a determination that the Director is entitled to
indemnification has been made pursuant to Section 6 hereof or otherwise pursuant
to the terms of this Agreement, the Company shall be bound by such determination
in the absence of (i) a misrepresentation of a material fact by the Director or
(ii) a specific finding (which has become final) by a court that all or any part
of such indemnification is prohibited by law.

               (d)  In any Proceeding brought by the Director under this Section
12, the Company shall be precluded from asserting that the procedures and
presumptions of this Agreement are not valid, binding and enforceable. The
Company shall stipulate in any such court that the Company is bound by all the
provisions of this Agreement and is precluded from making any assertion to the
contrary.

               (e)  The Company acknowledges that a monetary remedy for breach
of this Agreement, at some later date, will be inadequate, impracticable and
difficult to prove, and further acknowledges that such breach would cause the
Director irreparable harm. Accordingly, the Director shall be entitled to
temporary and permanent injunctive relief, including temporary restraining
orders, preliminary injunctions and permanent injunctions, without the necessity
of posting bond or other undertaking in connection therewith. Any such
requirement of bond or undertaking is hereby waived by the Company, and the
Company acknowledges that in the absence of such a waiver, a bond or undertaking
may be required by the court.

          13. Enforcement.
              -----------

               (a)  The Company acknowledges that it has entered into this
Agreement and assumed the obligations imposed on the Company hereby in order to
induce the Director to continue as a director of the Company, and acknowledges
that the Director is relying upon this Agreement in continuing in such capacity.

               (b)  If the Director is required to bring any action to enforce
rights or to collect moneys due under this Agreement and is successful in such
action, the Company shall reimburse the Director for all of the Director's
Expenses incurred in bringing and pursuing such action.

          14. Mutual Acknowledgement.  Both the Company and the Director
              ----------------------
acknowledge that in certain instances, federal law or applicable public policy
may prohibit the Company from indemnifying the Director under this Agreement or
otherwise.  For example, the Company and the Director acknowledge that the
Securities and Exchange Commission (the "SEC") has taken the position that
indemnification is not permissible for liabilities arising under certain federal
securities laws, and federal legislation prohibits indemnification for certain
ERISA violations.  The Director understands and acknowledges that the Company
has undertaken or may be

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required in the future to undertake with the SEC to submit the question of
indemnification to a court in certain circumstances for a determination of the
Company's ability under public policy to indemnify the Director.

          15. Separability. Each of the provisions of this Agreement is a
              ------------
separate and distinct agreement and independent of the others, so that if any
provision hereof shall be held to be invalid or unenforceable to any extent for
any reason, such invalidity or unenforceability shall not affect the validity or
enforceability of the other provisions hereof, and the affected provision shall
be construed and enforced so as to effectuate the parties' intent to the maximum
extent possible.

          16. Governing Law. This Agreement shall be governed by and interpreted
              -------------
and enforced in accordance with the laws of the State of Nevada.

          17. Consent To Jurisdiction.  The Company and the Director each
              -----------------------
irrevocably consent to jurisdiction of the courts of the Commonwealth of
Pennsylvania for all purposes in connection with any Proceeding which arises out
of or relates to this Agreement and agree that any action instituted under this
Agreement shall be brought only in the state courts of the Commonwealth of
Pennsylvania.

          18. Binding Effect. This Agreement shall be binding upon the Director
              --------------
and upon the Company, its successors and assigns, and shall inure to the benefit
of the Director, his heirs, personal representatives and assigns and to the
benefit of the Company, its successors and assigns.

          19. Entire Agreement. This Agreement represents the entire agreement
              ----------------
between the parties hereto and there are no other agreements, contracts or
understandings between the parties hereto with respect to the subject matter of
this Agreement.  Notwithstanding the foregoing, the rights conferred on the
Director by this Agreement shall not be exclusive of any other right which the
Director may have or hereafter acquire under any statute, provision of the
Company's articles of incorporation or bylaws, vote of stockholders or
directors, or otherwise, both as to action in his official capacity and as to
action in another capacity while holding office or under any insurance policy
maintained by the Company.

          20. Amendment and Termination. No amendment, modification, waiver,
              -------------------------
termination or cancellation of this Agreement shall be effective for any purpose
unless set forth in writing signed by both parties hereto.

          21. Subrogation. If the Company makes any payment under this
              -----------
Agreement, it shall be subrogated to the extent of such payment to all of the
rights of recovery of the Director, who shall execute all documents required and
shall do all acts that may be necessary to secure such rights and to enable the
Company effectively to bring suit to enforce such rights.

          22. Survival Of Rights. The rights conferred on the Director by this
              ------------------
Agreement shall continue after the Director has ceased to be a director,
officer, employee or other agent of the Company and shall inure to the benefit
of the Director's heirs, executors and administrators.

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          23. Notices. All notices, requests, demands and other communications
              -------
hereunder shall be in writing and shall be addressed to the Director or to the
Company, as the case may be, at the address indicated on the signature page
below, or to such other address as may have been furnished by either party to
the other, and shall be deemed to have been duly given if (a) delivered by hand
and receipted for by the party to whom said notice or other communication shall
have been directed, (b) delivered by a nationally recognized overnight delivery
service, on the first business after the date on which it is delivered to or
deposited with such service for overnight delivery, or (c) mailed by certified
or registered mail with postage prepaid, on the third business day after the
date on which it is so mailed.

                            [Signature Page Follows]

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          IN WITNESS WHEREOF, the parties hereto have executed this Agreement on
and as of the day and year first above written.

DIRECTOR:                                       CORPORATION:

                                                COVALENT GROUP, INC.

/s/ Scott M. Jenkins                            By: /s/ Kenneth m. Borow M. D.
--------------------------                         -----------------------------
Signature                                               Signature

Scott M. Jenkins                                Kenneth M.  Borow M. D.
---------------------------                     --------------------------------
Print Name                                      Print Name

                                                CEO/President
                                                --------------------------------
                                                Title

Address for Notices:                            Address for Notices:

One Tower Bridge                                One Glenhardie Corporate Center
100 Front Street, Suite 100                     1275 Drummers Lane
West Conshohocken, PA 19428                     Wayne, PA 19087
<PAGE>

                                                                      Appendix A

                             Certain Defined Terms
                             ---------------------

          1. "Adverse Judgment" means a judgment or final adjudication of a
court that contains findings of fact or conclusions of law adverse to the
Director's interest.

          2. "Change of Control" means any "person" (as such term is used in
Section 13(d) and 14(d) of the Securities Exchange Act of 1934, as amended)
through the acquisition or aggregation of securities becoming, after the date
hereof, the beneficial owner, directly or indirectly, of securities of the
Company representing 20% or more of the combined voting power of the Company's
then outstanding securities ordinarily having the right to vote at elections of
directors (the "Capital Stock"), except that any change in ownership of the
Company's securities by any person resulting solely from a reduction in the
aggregate number of outstanding shares of Capital Stock, and any decrease
thereafter in such person's ownership of securities, shall be disregarded until
such person increases in any manner, directly or indirectly, such person's
beneficial ownership of any securities of the Company.

          3. "Disinterested Director" means a director of the Company who is not
or was not a party to the Proceeding in respect of which indemnification is
being sought by the Director.

          4. "Expenses" means all direct and indirect costs (including, without
limitation, reasonable attorneys' fees and costs, retainers, court costs,
transcripts, fees and costs of experts, witness fees, travel expenses,
duplicating costs, printing and binding costs, telephone charges, postage,
delivery service fees, all other disbursements or out-of-pocket expenses)
actually and reasonably incurred in connection with a Proceeding or establishing
or enforcing a right to indemnification under this Agreement, applicable law or
otherwise. "Expenses" shall not include any Liabilities.

          5. "Independent Legal Counsel" means a law firm or member of a law
firm selected by the Company and approved by the Director (which approval shall
not be unreasonably withheld) and that neither is presently nor in the past five
years has been retained to represent:

               (a) the Company, in any material matter, or

               (b) any other party to the Proceeding giving rise to a claim for
indemnification hereunder. Notwithstanding the foregoing, the term "Independent
Legal Counsel" shall not include any person who, under the applicable standards
of professional conduct then prevailing, would have a conflict of interest in
representing the Director in an action to determine the Director's right to
indemnification under this Agreement.

          6. "Liabilities" means liabilities of any type whatsoever including,
but not limited to, any judgments, fines, penalties and amounts paid in
settlement (including all interest assessments and other charges paid or payable
in connection with or in respect of such judgments, fines, penalties or amounts
paid in settlement) of any Proceeding.

                                      A-1
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          7. "Proceeding" means any threatened, pending or completed action,
claim, suit, arbitration, alternative dispute resolution mechanism,
investigation, administrative hearing or any other proceeding whether civil,
criminal, administrative or investigative, including any appeal therefrom.

                                      A-2<PAGE>

Exhibit 10.13

                            FOURTH AMENDMENT TO LEASE
                            -------------------------

     THIS FOURTH AMENDMENT TO LEASE (the "Amendment") dated as of the 27th day
of November 2001, by and between FV OFFICE PARTNERS, L.P., successor in interest
to Dean Witter Realty Income Partnership III, L.P., a limited partnership
organized and existing under the laws of Delaware (hereinafter referred to as
"Landlord"), and COVALENT GROUP INC., successor in interest to Covalent Research
Alliance Corp., a corporation organized and existing under the laws of Nevada
whose present address is 1275 Drummers Lane, Wayne, PA 19087 (hereinafter
referred to as "Tenant").

                         W I T N E S S E T H   T H A T :
                         -------------------   ---------

     WHEREAS, Landlord leased certain premises at Glenhardie Corporate Center in
the building located at 1275 Drummers Lane, Wayne, Pennsylvania 19087 (the
"Building"), to Tenant pursuant to that certain Lease dated September 9, 1994,
amended by that certain First Amendment to Lease dated March 25, 1996 and that
certain Second Amendment to Lease dated November 14, 1996 (collectively, the
"Original Lease");

     WHEREAS, Landlord and Interactive Health Computing Inc. ("IHC") entered
into that certain Agreement of Lease dated January 15, 1996 as amended by a
First Amendment to Lease dated March 25, 1996 (the "IHC Lease") regarding
certain space located on the first floor of the Building. Landlord consented to
the assignment of the IHC Lease to Tenant pursuant to that certain Assignment
and Assumption of Lease dated September 30, 1999 between Tenant and IHC in which
Tenant assumed the rights and obligations of the IHC Lease (the "Assignment and
Assumption") and that certain Consent to Assignment and Assumption between
Landlord, IHC and Tenant dated September 1999 (the "Consent"). The IHC Lease,
the Assignment and Assumption and the Consent are hereinafter collectively
referred to as the "IHC Lease Documents." The Original Lease and the IHC Lease
Documents as the same has been modified by that certain Third Amendment to Lease
dated July 31, 2001 (the "Third Amendment") are hereinafter collectively
referred to as the "Lease". The term "Premises" as used herein shall have the
same meaning as specified in the Third Amendment; and

     WHEREAS, Landlord and Tenant have agreed to further amend the Lease in
accordance with the terms and conditions set forth herein;

     NOW THEREFORE, Landlord and Tenant for good and valuable consideration,
intending to be legally bound, hereby agree as follows:

     1. Effective January 30, 2002 the Premises shall be expanded to encompass
Suite 200 consisting of approximately 4,576 rentable square feet or an
acceptable similar suite of similar size in the Glenhardie Corporate Center (the
"Additional Premises"). Landlord shall provide the Additional Premises to Tenant
in its "as-is, where-is" condition.

     2. Effective January 30, 2002 the term "Premises" as used herein shall
include the Additional Premises and the Premises shall consist of approximately
18,782 rentable square feet.

     3. During the period between January 30, 2002 and the Long-Term Premises
Commencement Date (as hereinafter defined) the minimum fixed annual rent for the
Premises (as defined in Paragraph 2 above) shall be $24.00 per rentable square
foot payable in equal monthly installments. During such period "Tenant's
proportionate share" shall be 29.774%.

                                                                               1
<PAGE>

     4. Landlord agrees that prior to entering into a lease for the Expansion
Space (as hereinafter defined), Landlord shall provide Tenant with a written
notice offering Tenant the option to expand (the "Expansion Offer") into 1,238
rentable square feet on the second floor of the Building in the space known as
Suite 207 (the "Expansion Space") on the following terms and conditions:

          (a) Tenant shall have ten (10) business days after receipt of the
     Expansion Offer to accept the Expansion Offer by delivery of written notice
     to Landlord.

          (b) The Expansion Space shall be provided at $22.00 per rentable
     square foot and the term shall be coterminous with and subject to the same
     terms and conditions as are applicable to the Premises in the Lease.

          (c) Landlord shall not be obligated to offer the Expansion Space to
     Tenant more than one time prior to the Maturity Date (as defined in
     Paragraph 11 below).

          (d) Tenant shall not be in default of the Lease at the time of its
     exercise of the Expansion Offer nor at the commencement of the lease term
     for the Expansion Space.

          (e) Effective upon the commencement of the term for the Expansion
     Space, the Expansion Space shall become a portion of the Premises.

     5. On the date on which Landlord gives written notice to Tenant that the
Long-Term Premises (as hereinafter defined) is substantially complete (the
"Long-Term Premises Commencement Date") the portions of the Premises known as
Suites 101, 104 and 200 consisting of approximately 1,245, 1,222 and 4,576
rentable square feet respectively (collectively, the "Give Back Space") shall be
surrendered by Tenant to Landlord within thirty (30) days of the Long-Term
Premises Commencement Date ("Give Back Space Surrender Date"). Upon the
occurrence of the Give Back Space Surrender Date the Give Back Space shall cease
to be a portion of the Premises and Tenant shall not have access to or use of
the Give Back Space. Tenant shall surrender the Give Back Space to Landlord as
of the Give Back Space Surrender Date in the condition and manner specified in
the Lease. Tenant shall not be required to pay Landlord Fixed Rent for the Give
Back Space for the period between the Long-Term Premises Commencement Date and
the Give Back Space Surrender Date; however, Tenant shall be required to pay all
other sums payable by Tenant to Landlord pursuant to the provisions of the
Lease.

     The term "substantial completion" as used in this Amendment shall have the
same meaning as set forth in Article 3(b) of the Lease.

     6. As used in this Amendment the term "Long-Term Premises" shall mean and
refer to in the aggregate: (i) approximately 11,739 rentable square feet on the
first floor of the Building known as Suite 100; and (ii) approximately 22,287
rentable square feet on the third floor of the Building known as Suite 300.

     7. From and after the Long-Term Premises Commencement Date: (i) the term
Premises shall mean and refer to the Long-Term Premises; (ii) Tenant's
proportionate share shall be 53.940%; and (iii) the minimum fixed annual rent
for the Long-Term Premises shall be $25.50 per rentable square foot payable in
equal monthly installments. Such minimum fixed annual rent shall increase at a
per annum cumulative rate of $.50 per rentable square foot.

     8. Landlord shall provide the Long-Term Premises to Tenant in its "as-is"
condition subject to the construction specifications attached hereto as Exhibit
"A" and made a part hereof (the "Tenant Improvement Work"). Landlord shall
provide Tenant with a tenant improvement allowance of $15.00 per

                                                                               2
<PAGE>

rentable square foot in the Long-Term Premises (the "Tenant Improvement
Allowance") which may be used by Tenant, at Tenant's option, to pay for the cost
of the Tenant Improvement Work or for Tenant's relocation costs incurred in
connection with its occupancy of the Long-Term Premises. All Tenant Improvement
Work shall be performed in accordance with the terms and conditions of Exhibit
"A". All costs related to the Tenant Improvement Work in excess of the Tenant
Improvement Allowance shall be paid by Tenant.

     9. The Landlord shall perform all Tenant Improvement Work in a good and
workmanlike manner. Landlord shall complete all Tenant Improvement Work on or
before January 1, 2003 (the "Completion Date") unless Landlord's completion of
the Tenant Improvement Work is delayed by Tenant's failure, without limitation,
to fulfill its obligations under Exhibit "A". In the event such Tenant delay
results in the Completion Date occuring after January 1, 2003, then the
Long-Term Premises Commencement Date shall be deemed to have occurred on January
1, 2003, notwithstanding the fact that all Tenant Improvement Work was not
substantially complete on that date, and Landlord's obligation to complete the
Tenant Improvement Work by the Completion Date shall be extended for a period of
time equal to the aggregate amount of such Tenant delay. If due to a delay
caused by Landlord, Landlord is unable to complete the Tenant Improvement Work
by the Completion Date in such manner as the Long-Term Premises may be deemed
substantially complete in accordance with the terms of Paragraph 5 of this
Amendment, Tenant's minimum fixed annual rent shall be abated in an amount equal
to one (1) day of the minimum fixed annual rent for the Long-Term Premises for
each day substantial completion is delayed beyond the Completion Date.

     10. Landlord agrees that the provisions of Section 8 (i) regarding Tenant's
access to premises under construction shall be applicable to the Long-Term
Premises before the Completion Date.

     11. The term of the Lease is hereby extended for a period of five (5) years
from the Long-Term Premises Commencement Date (such date, the "Maturity Date").

     12. Tenant shall have the option to extend the term of the Lease for one
five (5) year period (the "Option Period") provided Tenant delivers written
notice to Landlord not less than nine (9) months prior to the Maturity Date.
Tenant may exercise the option provided in this Paragraph 12 provided Tenant is
in compliance with the following terms and conditions:

          (a) Tenant shall not be in default under the Lease either at the time
     of Tenant's proposed exercise of the option or as of the commencement date
     of the Option Period;

          (b) At the time Tenant elects to exercise the option Tenant shall, in
     Landlord's reasonable judgment, be creditworthy;

          (c) Prior to Tenant's proposed exercise of the option Tenant shall not
     have previously assigned the Lease or sublet all or any portion of the
     Premises unless such assignment or sublet was to an affiliate and permitted
     under the terms of the Lease;

          (d) All of the terms of the Lease during the Option Period shall
     remain the same except that the minimum fixed annual rent payable during
     the Option Period shall be at the then current market rate for similar
     space in Glenhardie Corporate Center. Such rent shall be negotiated in good
     faith between the parties provided, however, notwithstanding anything
     contained in this Paragraph 12 to the contrary, in no event shall the
     minimum fixed annual rent during the Option Period be less than the minimum
     fixed annual rent in effect during the year immediately preceding the
     Option Period; and

                                                                               3
<PAGE>

          (e) The five year renewal option specified in this Paragraph 12 shall
     be Tenant's sole right to extend or renew the Lease and any renewal or
     option provision currently contained in the Lease, if any, shall be null
     and void and of no further force or effect.

     13. Articles 20(d)(iii)(A) and 20(d)(iii)(B), which comprise the Confession
of Judgment portion of the Lease are hereby restated and reconfirmed as follows:

          If Tenant shall default in the payment of the rent or any other sums
     due hereunder by Tenant, Tenant hereby irrevocably authorizes and empowers
     any prothonotary or attorney of any court of record to appear for Tenant in
     any and all suits or actions which may be brought for said rent and/or said
     other sums; and in said suits or actions to confess judgment against Tenant
     for all or any part of said rental and/or said other sums, including but
     not limited to the amounts due from Tenant to Landlord under clauses (i),
     (ii), or (iii) of this Article 20, and for interest and costs, together
     with an attorneys' commission for collection of five percent but not less
     than Ten Thousand Dollars ($10,000). Such authority shall not be exhausted
     by one exercise thereof, but judgment may be confessed as aforesaid from
     time to time as often as any of said rental and/or other sums shall fall
     due or be in arrears, and such powers may be exercised as well after the
     termination or expiration of the term of this lease.

          When this lease or Tenant's right of possession shall be terminated by
     covenant or condition broken, or for any other reason, either during the
     term of this Lease, and also when and as soon as such term shall have
     expired or been terminated, Tenant hereby irrevocably authorizes and
     empowers any attorney or any court of record as attorney for Tenant and any
     persons claiming through or under Tenant to confess judgment in ejectment
     against Tenant and all persons claiming through or under Tenant for the
     recovery by Landlord of possession of the Premises, for which this Lease
     shall be sufficient warrant, whereupon, if Landlord so desires, a writ of
     execution or of possession may issue forthwith, without any prior writ or
     proceedings whatsoever, and provided that if for any reason after such
     action shall have been commenced the same shall be determined, canceled or
     suspended and possession of the Premises hereby demised remain in or be
     restored to Tenant or any person claiming through or under Tenant, Landlord
     shall have the right, upon any subsequent default or defaults, or upon any
     subsequent termination or expiration of this Lease or any renewal or
     extension hereof, or of Tenant's right of possession, as hereinbefore set
     forth, to confess judgment in ejectment as hereinbefore set forth one or
     more additional times to recover possession of the said Premises.

          In any action of or for ejectment or for rent or other sums, if
     Landlord shall first cause to be filed in such action an affidavit made by
     it or someone acting for it setting forth the facts necessary to authorize
     the entry of judgment, such affidavit shall be conclusive evidence of such
     facts; and if a true copy of this Lease (and of the truth of the copy such
     affidavit shall be sufficient evidence) be filed in such action, it shall
     not be necessary to file the original as a warrant of attorney, any rule of
     court, custom or practice to the contrary notwithstanding. Tenant releases
     to Landlord, and to any and all attorneys who may appear for Tenant, all
     procedural errors in any proceedings taken by Landlord, whether by virtue
     of the warrants of attorney contained in this Lease or not, and all
     liability therefor.

                                   Tenant Please Initial Here      /s/ KMB
                                                                   -------

     14. The parties represent and warrant to each other that they have not
employed, dealt with or negotiated with any broker or agent other than Fox
Realty Co. and Smith Mack & Company. Landlord agrees to pay all commissions owed
to the named brokers in this Paragraph 14. Each party agrees to indemnify,
defend and hold the other party harmless from and against any and all demands,
actions, loss, damage or liability, including, without limitation, reasonable
attorneys' fees, to which the other party may now or hereafter become subject by
reason of any claim for commission, fee or other compensation to any broker or
agent not listed in this Paragraph 14 due as a result of the acts of the
indemnifying party.

                                                                               4
<PAGE>

     15. Landlord and Tenant agree they shall each utilize their best efforts so
that a new lease incorporating all of the terms and conditions of the Lease will
be executed by January 1, 2003, provided, however, that in the event a new lease
is not signed, the terms and conditions of the Lease shall remain in full force
and effect. Landlord and Tenant agree that the execution of a new lease is for
convenience of maintaining adequate documentation of the Lease and shall not
constitute a renegotiation or modification of the Lease.

     16. The submission by Landlord to Tenant of this Amendment shall have no
binding force or effect, shall not constitute an option for the leasing of the
Premises nor confer any rights or impose any obligations upon either party until
execution thereof by Landlord and the delivery of an executed original copy
thereof to Tenant.

     17. All capitalized terms in this Amendment not otherwise defined herein
shall have the meaning set forth in the Lease. This Amendment may be signed in
counterparts.

     18. All of the terms, conditions and provisions of the Lease are
incorporated herein by reference as fully as though set forth in this Amendment.

     19. The Lease remains in full force and effect, unamended, except as
expressly modified by this Amendment. All of the recitals set forth above are
hereby ratified and confirmed by Landlord and Tenant and incorporated herein by
reference.

     20. The individual signing below on behalf of the Tenant represents that
s/he has the authority and power to bind the Tenant.

     IN WITNESS WHEREOF, the parties hereto have executed this Fourth Amendment
to Lease the date set forth above.

LANDLORD:                                    TENANT:
FV OFFICE PARTNERS, L.P.                     COVALENT GROUP INC.
a Delaware limited partnership               a Nevada corporation

By: FVGP, L.L.C., a Pennsylvania limited     By: Kenneth M. Borow, M.D.
    liability company, General Partner           -------------------------------

By: /s/ Robert G. Lee                        Name: /s/ Kenneth M. Borow, M.D.
    ---------------------------                    -----------------------------
    Robert G. Lee                            Title: CEO/President
    a Member

                                                                               5
<PAGE>

                                   EXHIBIT "A"

                               COVALENT GROUP INC.
                               -------------------
                 LONG-TERM PREMISES CONSTRUCTION SPECIFICATIONS
'                 ----------------------------------------------

A.   TENANT IMPROVEMENT ALLOWANCE
     ----------------------------

     Landlord shall provide to Tenant an allowance in the sum of Five Hundred
Ten Thousand Three Hundred Ninety Dollars ($510,390.00), which Tenant may use to
pay the cost of improvements and modifications to the Long-Term Premises, moving
expenses, data and telephone wiring, the cost of state and local permits, space
planning, Landlord's construction management fee pursuant to Paragraph H below,
furniture, fixtures and equipment for the Long-Term Premises (the "Tenant
Improvement Allowance"). Tenant may apply up to Seventy Two Thousand Dollars
($72,000.00) of the Tenant Improvement Allowance toward the Long-Term Premises
first month's Fixed Rent.

B.   LONG-TERM PREMISES
     ------------------

     Landlord shall provide the Long-Term Premises in its "as is" condition,
free of debris and broom swept, subject to the Landlord's completion of the
Tenant Improvement Work as hereinafter described in this Exhibit "A".

C.   TELEPHONE/DATA COMMUNICATIONS
     -----------------------------

     Tenant shall make arrangements with and pay for installation to the
Telephone or Data Company for its required installation within the Long-Term
Premises and will cause all such work to be performed at a time compatible with
Landlord's construction of the Tenant Improvement Work. At the expiration or
earlier termination of this Lease, Tenant shall remove all telephone and data
cabling and equipment and shall repair all damage to the Long-Term Premises
caused by the installation or removal of these items. Costs for this work may be
taken from the Tenant Improvement Allowance.

D.   MONUMENT SIGNAGE
     ----------------

     Provided Tenant commits to lease fifty percent (50%) or greater of the
space in the Building, Landlord agrees that it shall provide, at Tenant's sole
cost and expense, identification of Tenant at the entrance drive, which Tenant
identification shall be located adjacent to or below the identification sign of
the Building. The size, type and location of the identification shall conform to
the existing signage as determined by Landlord. The costs for the signage may
taken from the Tenant Improvement Allowance.

E.   HEATING, VENTILATION AND AIR-CONDITIONING
     -----------------------------------------

     Landlord, at Landlord's sole cost and expense shall retrofit the year-round
heating, ventilating, and air conditioning system in the Long-Term Premises.
Landlord shall provide wall-mounted thermostats with individual controls for
each zone within the Long-Term Premises.

     Landlord will remove all abandoned heating, venting and air-conditioning
equipment from the Long-Term Premises.

                                                                               1
<PAGE>

F.   SCHEDULE OF DELIVERY OF TENANT'S DRAWINGS
     -----------------------------------------

     1. Tenant shall furnish Landlord, for its approval, the following complete
descriptive information with drawings, including both basic construction and
finish work for the Tenant Improvement Work on or before the dates listed below:

          a. On or before May 1, 2002:

               1.   The location and extent of floor loading and floor opening
                    in excess of building standard.

               2.   The special air-conditioning needs by location and general
                    description of need.

               3.   Location and description of special plumbing requirements.

               4.   Estimated total electrical load including lighting for
                    entire space.

               5.   Partition locations, and type.

               6.   Door locations, size and type.

               7.   Location of electrical outlets and telephone outlets.

               8.   Any structural installations.

               9.   Air-conditioning loads.

               10.  Specific plumbing requirements, including plans and
                    specifications.

               11.  Cabinet work and any other information affecting other
                    trades.

               12.  Decorative plans including paint schedule, floor coverings,
                    draperies, wall coverings.

               13.  Architectural detailing.

     2. Filing of Plans: Landlord shall without delay file all necessary plans
and obtain all necessary approvals and permits in connection with the Tenant
Improvement Work.

     3. Substitutions: All Tenant Improvement Work shall require the
installation of new materials at least comparable to the quality installed in
the building.

     Tenant may substitute material, equipment, and fixtures for those specified
for basic construction with written consent of Landlord not to be unreasonably
withheld, conditioned or delayed. Tenant shall pay Landlord the cost to Landlord
for such substitute items which is in excess of such items included in basic
construction of the Tenant Improvement Work. The cost to Tenant for such
substitution shall be Landlord's cost for the substitute item plus 5% of
Landlord's cost for Landlord's expenses and profit in the handling of the
substitution. Tenant may also request Landlord to omit the installations of

                                                                               2
<PAGE>

any item not therefore installed and, provided such omission shall not delay
Landlord's completion of Tenant Improvement Work. Tenant shall be entitled to
any credit for any such item omitted against any additional item or any item of
a different kind of character.

G.   TENANT'S FINISH WORK
     --------------------

     1. Landlord further agrees to approve or perform, at Tenant's request, upon
submission by Tenant of acceptable plans and specifications any additional or
non-standard work over and above that specified in Paragraphs B, C, D and E of
this Exhibit "A" (Tenant Additional Work). Tenant Additional Work shall be
performed by Landlord, at Tenant's sole expense, as an extra to Tenant
Improvement Work. Tenant may also have Tenant's contractors perform the Tenant
Additional Work as herein below provided. Prior to commencing any Tenant
Additional Work, Landlord will submit to Tenant written estimates of the cost of
the Tenant Additional Work. If Tenant shall fail to approve in writing any such
estimate within five (5) working days the same shall be deemed disapproved in
all respects by Tenant and Landlord shall not be authorized or obligated to
proceed thereon. Tenant agrees that to the extent the cost of Tenant Additional
Work shall exceed Twenty Five Thousand Dollars ($25,000.00) the same shall be
collectible as additional rent pursuant to the Lease and in default of payment
thereof, Landlord shall (in addition to all other remedies) have the same rights
as in the event of default of payment of rent.

     2. Tenant may, at its option after occupancy of Long-Term Premises, employ
its own subcontractors to finish trade work; such as, carpentry, millwork,
cabinet work, carpeting and draperies as may be initially furnished and
installed by Tenant in the Long-Term Premises, provided such subcontractors work
in harmony with, and do not interfere with the labor employed by the Landlord,
its contractors or any other tenant or their contractors, and otherwise comply
with the provisions of the Lease, and provided Tenant's subcontractors accept
the administrative supervision of Landlord's representative. Workmen's
Compensation, public liability insurance and property damage insurance, with a
hold harmless provision, all in amounts and with companies reasonably
satisfactory to Landlord, shall be maintained by such finish trades
subcontractors; certificates of such insurance and waivers of liens shall be
furnished to Landlord prior to commencement of work.

H.   WORK PERFORMED BY TENANT PRIOR TO COMMENCEMENT OF LEASE
     -------------------------------------------------------

     Landlord shall permit Tenant and its agents to enter the Long-Term Premises
prior to the Long-Term Premises Commencement Date to perform, through its own
contractors, work other than Tenant Improvement Work and any Tenant Additional
Work to be performed by Landlord, such other work, including but not limited to,
decorations and cosmetic improvements as Tenant may desire at the same time that
Landlord's contractors are working in the space. The foregoing approval to enter
prior to the Long-Term Commencement Date, however, is conditioned upon Tenant's
workmen and mechanics working in harmony and not interfering with the labor
employed by Landlord, Landlord's mechanics or contractors or by any other tenant
or their contractors and compliance with the terms of the Lease; and further
provided that Workmen's Compensation and public liability insurance and property
damage insurance, with hold harmless provisions, all in amounts and with
companies reasonably satisfactory to Landlord, shall be provided and at all
times maintained by Tenant's contractors engaged in the performance of the work,
and before proceeding with work, certificates of such insurance shall be
furnished to Landlord. If at any time, entry by Tenant's contractors shall cause
material disharmony or interference with Landlord's contractors performing
Tenant Improvement Work or Tenant Additional Work, this license may be revoked
by Landlord upon twenty-four (24) hours written notice to Tenant.

                                                                               3
<PAGE>

     Entry by Tenant, its contractors, employees or agents shall be deemed to be
under all of the terms, covenants, provisions and conditions of the said Lease
except as to the covenant to pay rent. Landlord shall not be liable in any way
for any injury, loss or damage which may occur to any of Tenant's decorations or
installations made prior to the Long-Term Commencement Date, the same being
installed solely at Tenant's risk.

     The provisions of these construction specifications are specifically
subject to the provisions of the Lease.

I.   LANDLORD'S CONSTRUCTION MANAGEMENT FEE
     --------------------------------------

     During the period between January 1, 2002 and Tenant's occupancy of the
Long-Term Premises, Landlord shall have the right to provide construction
management for and on behalf of Tenant, at Tenant's sole expense, at an amount
equal to five percent (5%) of the alteration's total cost. From and after
Tenant's occupancy of the Long-Term Premises, Landlord shall have the right to
provide construction management for and on behalf of Tenant, at Tenant's sole
expense, as provided for in Article 9 of the Lease.

J.   TERMS IN LEASE
     --------------

     All capitalized terms used in this Exhibit "A" shall have the meaning
proscribed to them in the Fourth Amendment to Lease to which this Exhibit "A" is
expressly made a part thereof.

                                                                               4

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