Document:

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                                                                   EXHIBIT 10.16

                 SETTLEMENT AGREEMENT AND MUTUAL GENERAL RELEASE

         THIS SETTLEMENT AGREEMENT AND MUTUAL GENERAL RELEASE entered into on
March 19, 2001 by and among PERILAKALATHIL SREEKUMAR, M.D. individually and P.
SREEKUMAR, M.D., P.A. (hereinafter collectively referred to as SREEKUMAR
however, if the P.A. is identified, this shall only refer to P. SREEKUMAR, P.A.)
and METROPOLITAN HEALTH NETWORKS, METCARE VIII, a wholly-owned subsidiary of
METROPOLITAN HEALTH NETWORKS, INC and METCARE MEDICAL GROUP (hereinafter
collectively referred to as METCARE or the "Company) for good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
Parties do hereby jointly and severally agree as follows:

         WHEREAS, SREEKUMAR is a physician licensed in the state of Florida and
the owner of P. SREEKUMAR M.D. P. A.; and

         WHEREAS, METCARE is a Florida corporation that provides primary and
subspecialty physician care and diagnostic and therapeutic services and is a
management services organization (MSO) engaged in the business of delivering
health care; and

         WHEREAS, in or about July 1, 1999 SREEKUMAR and METCARE entered into
written contracts that included, but were not limited to, Asset Purchase
Agreement, Closing Agreements and a Professional Services Agreement that, in
general, sold and otherwise transferred the medical practice of SREEKUMAR to
METCARE for valid consideration;

         WHEREAS, pursuant to the terms of the agreement METCARE was to pay a
SREEKUMAR payments of $100,000 at closing and two additional payments of $50,000
on September 12, 1999 and October 12, 1999 respectively.

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         WHEREAS, in addition to the cash payments, METCARE executed and
delivered to SREEKUMAR a promissory note that required METCARE to pay SREEKUMAR
the sum of $300,000, without interest, on or before June 3, 2000.

         WHEREAS, SREEKUMAR has alleged and has a valid claim against METCARE
for breach of the asset and purchase agreement wherein METCARE has failed to pay
$25,000 pursuant to the Asset Purchase Agreement and has a valid claim against
METCARE for Foreclosure on the Promissory Note because METCARE has not paid any
part of the note and there remains due and owing from METCARE to SREEKUMAR the
sum of $300,000 plus interest from June 3, 1999.

         WHEREAS, SREEKUMAR has prepared an complaint against METCARE and has
a valid claim that could be filed
         WHEREAS, the Parties desire to resolve their disputes concerning the
matters set forth above and the matters raised in the potential arbitration
action.

         NOW THEREFORE, the Parties agree as follows:

         1. CONSIDERATION: Upon execution of this Settlement Agreement and
Mutual General Release by all parties, METCARE will pay the P.A. Ten Thousand
Dollars ($10,000,00). Thereafter, METCARE shall pay the P.A. Fifteen Thousand
Dollars (15,000.00) on or before Thursday, April 12, 2001. There shall be no
additional time to cure a default. If METCARE does not make the payment to the
P.A., within the strict timeframes as set forth above, METCARE shall be
considered in default and SREEKUMAR, after filing suit in the appropriate civil
court, shall be entitled to, and Metcare shall agree to, the entrance of a
default judgment for any amount METCARE has failed to pay pursuant to this

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paragraph. SREEKUMAR's right to bring an action for the amount due and owing
pursuant to this paragraph shall not effect the obligations of METCARE or
SREEKUMAR pursuant to any other obligations outlined in this agreement.

                  A. In addition to the amount owed in Paragraph 1, METCARE
agrees to pay SREEKUMAR Three Hundred Thousand Dollars ($300,000.00) to be paid
either in Company stock or pursuant to the Contingent Promissory Note attached
hereto as Exhibit A and incorporated herein pursuant to the following terms:

                           1. TRANSFER OF SHARES. Upon execution of this
Agreement (the "Effective Date"), the Company shall, within seven (7) days of
the Effective Date, transfer to the P.A. one -hundred thousand (100,000) shares
of Company common stock, par value $.001 (the "Shares") having a value of
$300,000, based upon the Company's price guarantee of $3.00 per share. In the
event the value of the Shares based upon the closing price on the "Registration
Date" is less than Three Hundred Thousand Dollars ($300,000.00), the Company
shall, within five (5) days of the. Registration Date, transfer to the P.A. the
number of shares of Company common stock, par value .001 (the "Additional
Shares") having a value equal to the difference between i) Three Hundred
Thousand Dollars ($300.000.00) and ii) the value of the Shares based upon the
closing price on the Registration Date. The number of Additional Shares to be
issued shall be based upon the average of the closing price for such shares
during the three (3) trading days preceding the Registration Date. For example,
it the value of the Shares is two dollars ($2.00) per share at the close on the
Registration Date (for a total value of $200,000.00) and the three day average
value of the Company stock prior to the Registration Date is

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also two dollars ($2.00) per share, the Company shall transfer 50,000
"Additional Shares" to the P.A. The Company shall provide piggyback registration
rights for any Additional Shares, but in any event the Company shall cause a
Registration Statement to be filed within ninety (90) days of the Registration
Date. The Shares and any Additional Shares shall be placed in a brokerage
account in the name of the P.A. at National Securities, Inc. Duplicate
statements on the account shall be provided to the P.A.'s attorneys.

                           2. REGISTRATION OF SHARES. The Company shall file a
registration for the Shares on the earlier of: (i) the first secondary
registration which occurs after the Effective Date, or (ii) 180 days after the
Effective Date. The Company will pay all expenses incurred in connection, with
the registration required by this Agreement. The date of registration of the
Shares shall be referred to herein as the Registration Date". If the Company
fails to file a registration for the Shares by the earlier of the above dates,
the P.A. shall be entitled to receive the payments due under the Promissory Note
attached here as Exhibit A, which Note shall provide for $300,000 principal due
in 36 monthly payments, with interest on the outstanding principal for the
second and third years at 8.0%.

                           3. SALE OF SHARES. On each Sale Date (as herein
defined), the P.A. shall have the option to sell eight thousand three hundred
and thirty-three (8,333) Shares and/or Additional Shares. Provided however, the
P.A. will not sell more than 4000 shares during any 7 day period. The term "Sale
Date" shall mean: (i) the date which is twenty (20) days after the Registration
Date; and (ii) the same date of each calendar month thereafter.

                           4. COMPANY OPTION TO REPURCHASE. Prior to the P.A.

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selling any Shares in the open market, the Company shall have the right to
repurchase the Shares for a purchase price per share equal to $3.00 per share.
The Company shall exercise its option by providing written notice to the P.A.,
his attorneys and National Securities, Inc. at least seven (7) days prior to any
Sale Date. Such option notice shall indicate the number of shares the Company is
electing to repurchase. In addition, the Company must deposit the purchase price
for the shares which it elects to repurchase by no later than the Sale Date. In
the event the funds have not been deposited in the account by the Sale Date, the
P.A. shall be free to sell the Shares to the open market.

                           5. PRICE GUARANTY. The Company hereby guarantees that
the P.A. shall receive a value of at least $3.00 per share for the Shares. At
the end of each calendar quarter after the Registration Date, the Company shall
pay to the P.A. (within seven (7) days after the last date of such calendar
quarter) the difference, if any, between: (i) $3.00 per share multiplied by the
number of Shares and/or Additional Shares sold by the P.A. (in the open market
or to the Company) since the Registration Date; and (ii) the gross proceeds from
the sale of the Shares and/or Additional Shares which has been received by the
P.A. since the Registration Date. For example, assume for the calendar quarter
ended December 31, 2000, the P.A. had sold 28,472 of the Shares and/or
Additional Shares, one half for $3.00 per share and one half for $2.50 per
share. In this example, the Company would owe the P.A. $7,143 by January 7,
2001. ([$3.00 x 28,572] - [($3.00 x 14,286) + ($2.50 x 14,286)]) or 85,716 -
(42,858 + 35,715]). In the event the Company shall fail to make the payment
outlined above within the seven (7) day period after the close of any calendar
quarter, the P.A. shall be entitled to the payments due

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under the Promissory Note attached hereto as Exhibit A, with such amount not to
exceed: (i) $3.00 per share multiplied by the number of Shares and/or Additional
Shares issued to the P.A.; less (ii) amounts received by the P.A. for the Shares
and/or Additional Shares from the Company or upon a sale of the Shares and/or
Additional Shares.

                           6. CONTINGENT PROMISSORY NOTE: Upon execution of this
Agreement, the company shall execute the Promissory Note attached as Exhibit A.
The Parties agree that this Promissory Note is contingent as a guarantee for the
company's obligation to pursuant to Subparagraph 1.A. subsections 1 though 5. If
the Company fails to register shares as required under this agreement or the
Company otherwise fails to transfer the stock to the P.A. as set forth above,
the attached Promissory Note shall have full force and effect. However, if the
stock is registered and transferred pursuant to Subsection 1.A.2. above, the
promissory note shall only take effect if the Company fails to guarantee the
price of the stock or if the P.A. is unable to sell the shares on the open
market and the Company otherwise is unable to pay for the stock at the
Guaranteed price.

         2. EVENTS OF DEFAULT: The entire -unpaid principal balance of the this
agreement as set forth in Paragraph 1, together with all unpaid interest accrued
thereon and all other sums owing under this Agreement executed by the Company in
connection with this agreement any unpaid amount shall, at the option of
SREEKUMAR or the P.A., become immediately due and payable without notice or
demand upon the occurrence of any one or more of the following events ("Events
of Default"), regardless of the cause thereof and whether within or beyond the
control of the Company:

                  A. The failure of the Company to pay any sum when due under

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Paragraph 1 of this agreement; or under any other settlement documents;

                  B. The failure of the Company to observe or perform any
covenant or agreement in the provisions of the Promissory Note attached hereto
as Exhibit A, or the occurrence of any other default (whether concerned with the
payment of money or otherwise) under this agreement;

                  C. If any representation, warranty, affidavit, certificate or
statement made or delivered to SREEKUMAR or the P.A. by the Company or on the
Company's behalf from time to time in connection with this agreement shall prove
false, incorrect or misleading in any respect deemed material by Sreekumar or
the P.A.;

                  D. The failure, cessation or liquidation of The Company's
business;

                  E. If The Company shall default in the payment of any
indebtedness for borrowed money (whether direct or contingent and whether
matured or accelerated to SREEKUMAR or the P.A. or to any person whomsoever, or
if The Company shall become insolvent or unable to pay its indebtedness as it
becomes due;

                  F. The anticipatory repudiation by The Company of any of its
obligations under this agreement, or any declaration by The Company of its
intention not to perform any such obligation, as and when the same becomes due;

                  G. The disposition, transfer or exchange of all or
substantially all of The Company's assets for less than fair market value, or
the issuance of any levy, attachment, charging order, garnishment or other
process against all or any substantial part of The Company's property, or the
filing of any lien against any such property, and the failure of The Company to
discharge such lien, levy, attachment, charging order or garnishment

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within 30 days;

                  H. If The Company shall make an assignment for the benefit of
creditors, file a petition in bankruptcy, apply to or petition any tribunal for
the appointment of a custodian, receiver, intervenor or trustee for The Company
or a substantial part of The Company's assets; or if The Company shall commence
any proceeding under any bankruptcy, arrangement, readjustment of Loan,
dissolution or liquidation law or statute of any jurisdiction, whether now or
hereafter in effect; or if any such petition or application shall have been
filed or pr proceeding commenced against The Company or if any such custodian,
receiver, intervenor or trustee shall have been appointed;

                  I. If The Company shall have concealed, transferred, removed,
or permitted to be concealed or transferred or removed, any part of its property
with intent to hinder, delay or defraud any of its creditors; or if The Company
shall have made or suffered a transfer of any of its property which may be
invalid under any bankruptcy, fraudulent conveyance, preference or similar law;
or if The Company shall have made any transfer of its property to or for the
benefit of any creditor at a time when other creditors similarly situated have
not been paid; or

                  J. If any governmental authority (or any person acting or
purporting to act under governmental authority) shall take any action to
condemn, assume custody or control of, seize or appropriate all or any
substantial part of The Company's property or to displace the management of The
Company.

         3. INTEREST RATE: If the Company breaches the obligations as set forth
in Paragraph 1 and otherwise does not pay on the Contingent Promissory Note
attached as

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Exhibit A, the interest rate shall equal the maximum interest rate permitted by
applicable law and shall apply to all moneys due and owing under the this
agreement.

         4. ATTORNEY'S FEES AND COSTS: Upon any breach of this agreement, the
non breaching party shall be entitled to reasonable attorney's fees, the legal
costs and other expenses.

         5. NONCOMPETE AGREEMENT: As consideration of this agreement, SREEKUMAR
agrees not to compete with METCARE for a period ending October 1, 2002.
Competition is defined as owning, operating or working for a medical center,
HMO, MSO or IPA as a primary care physician in the four (4) miles from 10413
Southern Blvd, Royal Palm Beach Florida 22411-4340. However, SREEKUMAR will not
be considered in violation of this non-compete agreement if he opens and
maintains a private physician practice at the Palms West Hospital Campus.
Additionally, SREEKUMAR agrees not to directly solicit METCARE's existing
patients. Direct solicitation shall be limited to direct written, verbal or
electronic communication to the patients initiated by SREEKUMAR or one of his
agents or employees. However, both parties agree that if the patients contact
SREEKUMAR for medical care, if SREEKUMAR provides medical care., such action
will not be a violation of the noncompete agreement.

         6. MUTUAL RELEASE: SREEKUMAR and METCARE agree that in consideration
for the payments and promises herein, no arbitration or legal action will be
filed for the alleged breach or default of the July 1999 Asset Purchase
Agreement and related agreements. If METCARE fails to make payment or otherwise
is in violation of the Agreement, the non compete Agreement shall have no
effect. Any and all causes of actions and any and all defenses to that alleged
breach of the 1999 agreement is barred

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and forever discharged. Nothing in this paragraph precludes suit for breach of
or default of this Settlement Agreement and Mutual General Release or the
Promissory Note.

                  A. In consideration for the mutual relinquishment of their
respective rights and the payments hereunder, and subject to the limitations set
forth in Paragraphs 1 through 4 above, SREEKUMAR and METCARE agree to hereby
remise, release, acquit, satisfy and forever discharge each other of and from
all manner of actions, causes of action, suits, debts, sums of money,
agreements, promises, damages, judgments, claims and demands whatsoever, in law
or in equity, either known or unknown, which they ever had or now have upon or
by reason of any matter, cause or thing whatsoever from the beginning of the
world to the day of these presents as set forth herein.

         7. MISCELLANEOUS:

                  A. SREEKUMAR and METCARE agree and consent that this
Settlement Agreement and Mutual General Release shall be binding on all, the
parties and upon their heirs, administrators, representatives, executors,
successors and assigns and shall inure to their benefit and to that of their
heirs, administrators, representatives, executors, successors and assigns.

                  B. The parties understand and agree that this Settlement
Agreement and Mutual General Release shall be governed by and construed in
accordance with the laws of the State of Florida without reference to its
conflict of laws provisions. Jurisdiction for litigation of any dispute,
controversy or claim arising out of or in connection with this Settlement
Agreement and Mutual General Release and the Promissory Note, shall be in state
court having subject matter jurisdiction located in Palm Beach County, Florida,
and

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the parties agree to submit to the jurisdiction of said court for litigation of
any dispute. The prevailing party in any action brought to enforce the terms of
this Settlement Agreement, Mutual General Release and Promissory Note shall be
entitled to recover its attorneys' fees and costs incurred.

                  C. Each party represents and warrants to each other party that
it has full power, authority and legal right to execute this document on its own
behalf as well as on behalf of the corporate or other entities referred to
herein. Moreover, each party represents to each other party that it has not
executed this Settlement Agreement and Mutual General Release, or any document
required to be executed pursuant to this Settlement Agreement and Mutual General
Release, under any duress, under pressure, or fraud and that each party hereby
expressly agrees to be legally and equitably bound by the express terms, or
representations, warranties, covenants and conditions contained herein.

                  D. The parties expressly acknowledge, understand and agree
that this agreement and settlement provided herein is in the best interest of
the parties, is being entered into for the purpose of avoiding additional
litigation and in compromise of disputed claims, and that with the exception of
the terms and limitations set forth in paragraphs 3, 4 and 5 above, nothing
herein shall be construed or offered as an admission of liability on behalf of
any party or with respect to any claim asserted by, or against any party.

                  E. This Settlement Agreement and Mutual General Release, and
the exhibits thereto, represent the entire understanding and agreement of the
Parties hereto and all prior negotiations, discussions and representations are
deemed merged into the terms, provisions and conditions hereof. This Settlement
Agreement and Mutual General

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Release may be executed in separate counterparts, which together shall make the
entirety of the agreement.

                  F. This Settlement Agreement and 'Mutual General Release may
not be altered, amended or modified, except by a further written document signed
by SREEKUMAR and METCARE. This Agreement cannot be changed or modified orally.
The Parties agree that they will agree to correct patent errors or omissions in
this Agreement.

                  G. The parties hereby represent to each other that they fully
understand their right to review all aspects of this Settlement Agreement and
Mutual General Release with an attorney of their choice, that they have had the
opportunity to consult with an attorney of their choice, that they have
carefully read and fully understand all the provisions of this Settlement
Agreement and Mutual General Release, and that they have freely, knowingly and
voluntarily entered into this Settlement Agreement and Mutual General Release.

                  H. This Agreement shall be governed by, and construed and
enforced in accordance with, the laws of the State of Florida.

                  I. Any provision of this agreement that is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction only, be
ineffective only to the extent of such prohibition or unenforceability without
invalidating the remaining provisions hereof or affecting the validity or
enforceability of such provision in any other jurisdiction.

                  J. Whenever used in this agreement, words in the singular
include the plural, words in the plural include the singular, and pronouns of
any gender include the other genders, all as may be appropriate. Captions and
paragraph headings in this Note

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are for convenience of reference only and shall not affect its interpretation.

                  K. Time shall be of the essence with respect to the terms of
this Agreement. Except as otherwise required by the provisions of this
Agreement, any notice required to be given to the parties shall be deemed
sufficient if made personally or if mailed, postage prepaid, at an address as it
appears on the signature page of this Note. The P.A. may grant participation in
all or any portion of this Agreement and/or may transfer or assign this
agreement or any rights hereunder in whole or in part to any person whomsoever
and may act on behalf of or as the agent of any such person in enforcing this
Agreement. To the extent of such transfer or assignment, such transferee or
assignee shall have all the rights of the "P.A." hereunder and the "P.A." shall
be thereafter relieved from any liability with respect to any portion of the
agreement so assigned or transferred. All of the terms of this Agreement shall
inure to the benefit of SREEKUMAR and the P.A. and their successors and assigns
and shall be binding upon the Company and its successors and assigns.

                                           Metropolitan Heath Networks, Inc.

                                           By:
                                               --------------------------------
                                                    Fred Sternberg, President

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STATE OF FLORIDA          )
                          )
COUNTY OF PALM BEACH      )

                  BEFORE ME, the undersigned authority, personally appeared Fred
Sternberg, who is personally known to me or who produced as identification, and
who after being sworn, depose and say that the foregoing Settlement Agreement
and Release is true and correct in all respects.

                  SWORN TO AND SUBSCRIBED before me, this _____ day of
_________, 2001.

                                           --------------------------------
                                           Notary Public, State of Florida

                                           --------------------------------
                                           (Print or Type Name)
                                           My Commission Expires:

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                                     -------------------------------------
                                     PERILAKATHIL SREEKUMAR, M.D.
                                     individually and P. SREEKUMAR, M.D., P.A.

STATE OF FLORIDA         )
                         )
COUNTY OF PALM BEACH     )

                  BEFORE ME, the undersigned authority, personally appeared
PERILAKALATHIL SREEKUMAR, M.D., who is personally known to me or who produced as
identification, and who after being sworn, depose and say that the foregoing
Settlement Agreement and Release is true and correct in all respects.

                  SWORN TO AND SUBSCRIBED before me, this ____ day of ________,
2001.

                                        -------------------------------------
                                        Notary Public, State of Florida

                                        -------------------------------------
                                        Print or Type Name)
                                        My Commission Expires:

                                       15<PAGE>   1
                                                                   Exhibit 10.17

                  SETTLEMENT AGREEMENT & MUTUAL GENERAL RELEASE

         THIS SETTLEMENT AGREEMENT AND MUTUAL RELEASE (the "Agreement"),
entered into this January 19, 2001, by and amount WARREN R. FEDERGREEN, M.D.,
P.A., a Florida professional corporation (the "P.A."), WARREN R. FEDERGREEN,
M.D. and SUSAN FEDERGREEN, individually and as Shareholders of P.A.
(collectively, "Federgreen"), and METCARE OF FLORIDA, INC., a Florida
corporation and wholly owned subsidiary of Metropolitan Health Networks, Inc.
(collectively, "Metcare").

         WHEREAS, the Seller is engaged in the business of providing medical
services and related activities, such activities are hereby being referred to as
the "Practice."

         WHEREAS, in or about December 30, 1999, Federgreen and Metcare entered
into written contracts that included, but not limited to, an Asset Purchase
Agreement (the "Agreements").

         WHEREAS, the parties have decided in good faith to dissolve any and all
said Agreements executed and have mutually agreed to execute this Agreement as
evidenced of thereof.

         NOW, THEREFORE, the parties agree as follows:

         1.       Upon the execution of this Settlement Agreement and Mutual
                  General Release by all parties, in consideration for any and
                  all remaining amount due to Seller pursuant to said Asset
                  Purchase Agreement, Metcare of Florida will pay Federgreen a
                  sum totoal of [$40,000].

         2.       The form of payment is as follows:

                  a.       $13,000 in cash in three equal [monthly] installments
                           commencing February 15, 2001.
                  b.       The remaining balance of $27,000 will be paid in the
                           form of 14,000 shares of common stock of Metropolitan
                           Health Networks, Inc. at a mutually agreed value of
                           $2.00, ( the "Shares"); the Shares will be issued
                           pursuant to Rule 144 of the SBC with registration
                           rights upon the first registration filing by
                           Metropolitan Health Networks, Inc., after the date
                           hereof; provided, the registration will be no later
                           than 180 days after the execution of this Agreement;

<PAGE>   2

         3.       In consideration for the mutual relinquishment of their
                  respective rights and the payments hereunder, the parties
                  agree to hereby remise, release, acquit, satisfy and forever
                  discharge each other of and from all manner of actions, causes
                  of action, suits, debts, sums of money, agreements, promises,
                  damages, judgments, claims and demands whatsoever in law or in
                  equity, either known or unknown, which they ever had or now
                  have upon or by reason of any matter, cause or thing
                  whatsoever pursuant to the Asset Purchase Agreement, executed
                  as set forth herein, or any other matter.

         4.       The parties agree and consent that this Agreement shall be
                  binding on all the parties and upon their heirs,
                  administrators, representatives, executors, successors and
                  assigns and shall inure to their benefit and to that of their
                  heirs, administrators, representatives, executors, successors
                  and assigns.

         5.       The parties agree that in consideration for the payments and
                  promises herein, no arbitration or legal action will be filed.
                  If Metcare fails to make payment or otherwise is in violation
                  of the Agreement, the non compete Agreement shall have no
                  effect. Any and all causes of action and any and all defenses
                  to that action is barred and forever discharged. The parties
                  understand and agree that this Agreement shall be governed by
                  and construed in accordance with the laws of the State of
                  Florida without reference to its conflict of laws provisions.
                  Notwithstanding the foregoing, jurisdiction for litigation of
                  any dispute, controversy or claim, if any, arising out of or
                  in connection with this Settlement shall be in the State of
                  Florida and the parties agree to submit jurisdiction of said
                  court for litigation of any dispute. The prevailing party in
                  any action brought to enforce the terms of this Agreement
                  shall be entitled to recover its attorneys' fees and costs
                  incurred.

         6.       Each party represents and warrants to each other party that it
                  has full power, authority and legal right to execute this
                  document on its own behalf and any other corporate party that
                  may be involved herein. Moreover, each party represents to
                  each other that is has not executed this Agreement or any
                  document required to be executed pursuant to this Agreement
                  under any duress, under pressure, or fraud and that each party
                  hereby expressly agrees to be legally and equitably bound by
                  the express terms, or representations, warranties, covenants
                  and conditions contained herein.

         7.       The parties expressly acknowledge, understand and agree that
                  this Agreement provided herein is in the best interest of both
                  parties, is being entered into for the purpose of avoiding
                  additional litigation and in compromise of disputed claims,
                  and that with the exception of the terms and limitations set
                  forth in this Agreement, nothing herein shall be construed or

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                  offered as an admission of liability on behalf of any party or
                  with respect to any claim asserted by, or against any party.

         8.       This Agreement represents the entire understanding and
                  agreement of the Parties hereto and all prior negotiations,
                  discussions and representations are deemed merged into the
                  terms, provisions, and conditions hereof provided, however
                  that notwithstanding anything contained herein to the
                  contrary, all representation and warranties by Federgreen set
                  forth in the Asset Purchase Agreement dated December 30, 1999,
                  shall be incorporated herein by reference and made a part
                  hereof. This Agreement may be executed in separate
                  counterparts, which together shall make the entirety of the
                  Agreement.

         9.       The parties hereby represent to each other that they fully
                  understand their right to review all aspects of this Agreement
                  with an attorney or counsel, and have carefully read and fully
                  understand all the provisions of this Agreement, and that they
                  have freely, knowingly and voluntarily entered into this
                  Agreement.

                                   * * * * * *

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         IN WITNESS WHEREOF, this Agreement has been duly executed by the
parties hereto as of the date first written above.

                                       WARREN R. FEDERGREEN, M.D., P.A.

                                       By: /s/ Warren R. Federgreen
                                           -------------------------------------
                                               Warren R. Federgreen, President

                                       WARREN R. FEDERGREEN, M.D.

                                       By: /s/ Warren R. Federgreen
                                           -------------------------------------
                                               Warren R. Federgreen, M.D.

                                       Title: President
                                             -----------------------------------

                                       SUSAN FEDERGREEN

                                       /s/ Susan Federgreen
                                       -----------------------------------------

                                       METCARE OF FLORIDA, INC.

                                       By: /s/ Debra Finnel
                                           -------------------------------------

                                       Name: Debra Finnel
                                            ------------------------------------

                                       Title: COO
                                              ----------------------------------

                                       4

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