Document:

<PAGE>

                                                                  EXHIBIT 10.6

                            EMPLOYMENT AGREEMENT FOR
                            ------------------------
                               ERIC T. HILLERBRAND
                               -------------------

THIS EMPLOYMENT AGREEMENT (the "Agreement"), is dated as of the 18 day of April,
2000, by and between Health Exchange.com, Inc., a Delaware corporation (the
"Company") and Eric T. Hillerbrand (the "Employee").

                              W I T N E S S E T H:

WHEREAS, the Company is engaged in the business of providing healthcare
transaction processing services, payment services, healthcare administrative and
benefits management services and information, data management and data analysis
services, healthcare benefits, and the like, and also is engaged in the business
of providing the software, systems or expertise used to provide the
aforementioned services (collectively, the "Business");

WHEREAS, the Company desires to retain the services of the Employee for and on
behalf of the Company on the terms and subject to the conditions set forth
herein;

WHEREAS, this Agreement is being executed concurrently and in connection with
and is contingent upon the execution and delivery of a certain Asset Purchase
Agreement, dated March 20, 2000, among the Company, Claimsnet.com inc., a
Delaware corporation, and VHx Company, a Nevada corporation (the "Purchase
Agreement");

WHEREAS, each of the parties acknowledge that they are receiving good and
valuable consideration for entering into this Agreement and the Employee
acknowledges that this Agreement, including the covenant not to compete set
forth hereinbelow, was negotiated between the parties hereto and that Employee
received bargained-for consideration in connection with the terms of the
Purchase Agreement and this Agreement in exchange for entering into this
Agreement.

NOW, THEREFORE, in consideration of the mutual covenants contained herein, the
sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:

                                    ARTICLE I

                               EMPLOYMENT AND TERM
                               -------------------

1.1 EMPLOYMENT. Upon the terms and subject to the conditions herein contained,
the Company hereby employs the Employee as an Executive Vice President of the
Company and the Employee hereby accepts such employment.

1.2 TERM. Except as otherwise provided in this Agreement, the original term of
employment under this Agreement shall be three (3) years, commencing on April
18, 2000 (the "Commencement Date") and ending on April 17, 2003 (such period,

                                        1
<PAGE>

the "Original Term") whereupon this Agreement shall terminate and, except as
otherwise provided in this Agreement, neither the Company nor the Employee shall
have any further rights, duties, privileges or obligations hereunder. At the
expiration of the Original Term, if the Employee is still employed by the
Company, the Employee will become an at-will employee of the Company. (Such
period of at-will employment together with the Original Term hereinafter
referred to as, the "Term.") The Employee understands and agrees that during
such time as the Employee remains an at-will employee of the Company, either the
Company or the Employee may terminate their employment relationship at any time,
for any reason or no reason, subject to the notice provisions of Sections 4.1
and 4.3 of this Agreement.

                                   ARTICLE II

                                  COMPENSATION
                                  ------------

2.1 BASE SALARY. In exchange for the provision of services described in greater
detail in Sections 3.1, 3.2 and 3.3, (a) following the Commencement Date and
prior to January 12, 2001, the Employee shall receive a salary at a rate of One
Hundred Forty Thousand Dollars ($140,000) per annum, and (b) following April 17,
2001, the Employee shall receive a salary at a rate of One Hundred Fifty
Thousand Dollars ($150,000) per annum (each hereinafter referred to as the "Base
Salary" with respect to the relevant period of employment). The Base Salary
shall be payable in such manner and at such time as the Company shall pay salary
to other employees. The Company's obligation to provide the Base Salary provided
in this Section 2.1 and the Benefits and Expense Reimbursement provided in
Sections 2.2 and 2.3 of this Agreement, respectively shall begin on the
Commencement Date.

2.2 BENEFITS. In addition to the compensation set forth under Section 2.1,
following the Commencement Date, the Employee shall be entitled to participate
in any of the Company's standard benefit policies or plans including any benefit
policies or plans generally applicable to Executive Vice-President level
positions according to their terms. These policies may be modified or terminated
from time to time by the Company, but such changes shall not be deemed to be
effective retroactively. The written terms of the policies shall govern any
questions of eligibility for coverage or duration of coverage.

2.3 EXPENSE REIMBURSEMENT. In addition to the compensation provided for in
Paragraph 2.1 and the benefits provided for in Paragraph 2.2, the Employee will
be reimbursed for all reasonable travel, hotel, entertainment and other expenses
incurred by him in the performance of his duties hereunder, upon providing to
the Company reasonably detailed evidence of such expenses promptly after such
expenses are incurred.

2.4. STOCK OPTIONS. The Company has a stock option plan currently in place. The
Employee shall be entitled to receive such stock options as may be determined by
the Board of Directors in its sole discretion in accordance with the terms of
the Company's stock option plan.

                                        2
<PAGE>

                                   ARTICLE III

                               DUTIES OF EMPLOYEE
                               ------------------

3.1 SERVICES. The Employee shall perform all duties and obligations assigned to
the Employee by the chief executive officer of the Company, as the same may be
determined from time to time, which duties during the Original Term shall be
materially consistent with the Employee's position as an Executive Vice
President of the Company with responsibility for Engineering and Product
Management of VHx Products. The Chief Executive Officer of the Company shall
assure adequate time, resources and authority for the Employee to achieve goals
mutually agreed upon by him or her and the Employee. The duties of the Employee
will be performed principally in the offices of the Company located in Atlanta,
Georgia.

3.2 TIME AND EFFORT. The Employee shall devote his full time and effort to the
business of the Company. Accordingly, upon the execution hereof, Employee shall
terminate all existing employment agreements to which Employee is a party. The
Employee shall perform the duties and obligations required of the Employee
hereunder in a competent, efficient and satisfactory manner at such hours and
under such conditions as the performance of such duties and obligations may
require. This Agreement will not restrict the Employee from being a director or
advisor to other companies so long as those companies do not provide competing
products or services, so long as the Employee's role as director and advisor
does not interfere with the performance of the duties and obligations described
in this Agreement and so long as the Employee receives written pre-approval from
the Chief Executive Officer of the Company, which shall not be unreasonably
withheld.

3.3 ARTICLES AND BY-LAWS. The Employee shall act in accordance with and so as to
abide by the Articles of Incorporation of the Company, the Bylaws of the
Company, the decisions of the Board of Directors and the directions of the chief
executive officer of the Company, as the same may be amended or drafted from
time to time.

3.4 CONFIDENTIALITY AND LOYALTY. The Employee acknowledges that, during the
Employee's employment by the Company, he has produced and/or may produce and has
had and/or may have access to material, records, data and information not
generally available to the public regarding the Company, its customers and
affiliates, including but not limited to: sales, marketing and business plans,
proposals or strategies; past and prospective customer lists and information;
price, accounting, and/or cost information; acquisition activity; and
administrative techniques and other documents or information which is or has
been designated as "Confidential" (or another similar designation) and/or which
constitutes the proprietary information of the Company, its customers or
affiliates ("Confidential Information"). Accordingly, during and subsequent to
the termination of this Agreement, the Employee shall hold in confidence and not
directly or indirectly disclose, use, copy or make lists of any such
Confidential Information, except to the extent such disclosure, use, copy or
list is first authorized in writing by the Company, or as required by law or any

                                        3
<PAGE>

competent administrative agency or as otherwise is reasonably necessary or
appropriate in connection with the performance by the Employee of his duties
pursuant to this Agreement. For the purposes of this section, the following
shall not be considered Confidential Information:

         a.       any information that was known by the Employee prior to the
                  date and time of receipt of the Confidential Information from
                  the Company, other than as a result of some breach by the
                  Employee or other person or entity of the Company's right in
                  and to the Confidential Information;

         b.       any information that was available in published print or
                  otherwise known to the public, unless published or made known
                  as a result of the unauthorized acts or omissions of the
                  Employee or other person or entity;

         c.       any information that, after disclosure by the Company, becomes
                  available in published print or otherwise known to the public,
                  unless published or made known as a result of the unauthorized
                  acts or omissions of the Employee or other person or entity;
                  or

         d.       any information that is lawfully obtained by the Employee from
                  a third party who or which did not acquire such information,
                  directly or indirectly, as a result of some breach, violation
                  or interference by such person or entity of or with the
                  Company's rights in and to the Confidential Information.

Upon termination of his employment under this Agreement or upon the request of
the Company, the Employee shall promptly deliver to the Company (i) all records,
manuals, books, documents, letters, reports, data, tables, calculations and all
copies of any of the foregoing which are the property of the Company or which
relate in any way to the customers, business, practices or techniques of the
Company, and (ii) all other property of the Company and Confidential Information
which in any of these cases are in his possession or care, or under his control.
The Employee agrees to abide by the Company's reasonable policies as in effect
from time to time, respecting avoidance of interests conflicting with those of
the Company.

3.5 COVENANT NOT TO COMPETE. In exchange for the consideration given by the
Company to the Employee pursuant to both the Purchase Agreement and this
Agreement, the Employee agrees, represents to and covenants with the Company
that during the Employee's employment by the Company and for a period of one (1)
year after the termination of the Employee's employment with the Company for any
reason, the Employee shall not, either directly or indirectly:

         a.       within the United States or internationally, own, manage,
                  operate or control, or participate in the ownership,
                  management, operation or control of, or be employed by, or act
                  as a consultant or advisor to, or be connected in any manner
                  with, any person or entity that is engaged in the Business; or

                                        4
<PAGE>

         b.       solicit customers, or the business  f any person or entity
                  who or which is or has been a customer or account of the
                  Company or of its customers or affiliates; or

         c.       induce or attempt to induce any director, employee, consultant
                  or other independent contractor to do any of the foregoing or
                  to discontinue such person's association with the Company..

In the event that the Employee's employment with the Company is terminated
during the Original Term, the Employee's obligations pursuant to this Section
3.5 shall last for a period of one (1) year plus (i) the number of months
remaining between the date of the termination of employment and the expiration
of the Original Term if such termination is pursuant to Section 4.1 or 4.3, or
(ii) six months if such termination is pursuant to Section 4.4, after the date
of termination of Employee's employment.

3.6 OWNERSHIP OF INTELLECTUAL PROPERTY. a. The Employee shall promptly disclose
to the Company any and all inventions, discoveries and improvements made,
conceived, created, developed or contributed to by the Employee during the
Employee's employment by the Company which are (i) directly or indirectly
related to the Business, operations or activities of the Company (or its
affiliates) or to the Employee's employment with the Company, or (ii) based upon
Confidential Information, (collectively, "Inventions"). The Employee shall
promptly communicate to the Company all information, details and data pertaining
to any Inventions in such form as the Company requests. Whenever the Employee is
requested to do so by the Company, during or after the Employee's employment
with the Company, the Employee shall promptly execute and deliver any and all
applications, assignments or other documents or instruments reasonably deemed
necessary by the Company to apply for and obtain Letters Patent of the United
States or any foreign country or to otherwise protect the Company's interests in
any Inventions. The obligations set forth in this Section 3.6(a) shall be
binding upon the successors, assigns, executors, administrators and other legal
representatives of the Employee.

                  b. Any sales approaches, sales material, training material,
computer software, documentation, other copyrightable works or any other
intellectual property (including, but not limited to, materials or services
subject to trademark or service mark registration) made, conceived, created,
developed or contributed to by the Employee during the Employee's employment
with the Company and which are (i) directly or indirectly related to the
Business, operations or activities of the Company (or its affiliates) or to the
Employee's employment by the Company, or (ii) based upon Confidential
Information, shall be considered "works made for hire" under the copyright laws
of the United States (collectively, "Works for Hire"). The Employee shall
promptly communicate to the Company all information, details and data pertaining
to any Works for Hire in such form as the Company requests. To the extent that
Works for Hire fail to qualify as "works made for hire" under the copyright laws
of the United States or any other jurisdiction, the Employee hereby assigns each
Work for Hire and all right, title and interest therein in any jurisdiction to

                                        5
<PAGE>

the Company. Whenever the Employee is requested to do so by the Company, during
or after the Employee's employment with the Company, the Employee shall promptly
execute and deliver any and all applications, assignments or other documents or
instruments reasonably deemed necessary by the Company to apply for and confirm
and effectuate full and exclusive ownership of Works for Hire in the Company,
including, but not limited to, ownership of any moral rights under the copyright
law of any nation, or any other rights under the intellectual property laws of
any nation. The obligations set forth in this Section 3.6(b) shall be binding
upon the successors, assigns, executors, administrators and other legal
representatives of the Employee.

          c. The Employee shall bear the burden of proof that any invention,
discovery, improvement or other intellectual property made, conceived, created,
developed or contributed to by the Employee was first made, conceived, created,
developed or contributed to after the termination of the Employee's employment
with the Company. The Employee shall bear the burden of proof that any
invention, discovery, improvement or other intellectual property made,
conceived, created, developed or contributed to by the Employee during the
Employee's employment with the Company is unrelated to (i) any of the Business,
operations or activities of the Company (or its affiliates) or to the Employee's
employment by the Company, and (ii) was not based upon Confidential Information.

3.7 REMEDIES. The Employee acknowledges and agrees that any breach of any of the
covenants or agreements set forth in this ARTICLE III of this Agreement will
cause the Company irreparable harm for which there is no adequate remedy at law,
and, without limiting whatever other rights and remedies the Company may have at
law or in equity, the Employee consents to the issuance of an injunction in
favor of the Company enjoining the breach of any of the aforesaid covenants or
agreements by any court of competent jurisdiction. If any or all of the
aforesaid covenants or agreements are held to be unenforceable because of the
scope or duration of such covenant or agreement or the geographical area covered
thereby, the parties agree that the court making such determination shall have
the power to reduce or modify the scope, duration and/or area of such covenant
to the extent necessary to cause such covenants or arrangements to comport with
applicable law.

3.8 ACKNOWLEDGMENT. The Employee acknowledges that the Employee has reviewed the
terms of Section 3.5 including, without limitation, the geographic scope of
Section 3.5 and understands its consequence. The Employee further acknowledges
that the geographic restriction of Section 3.5 is required because the Company
will be involved with brand new technology which will have worldwide
application. Further, the Employee acknowledges that he has had an opportunity
to review this Section 3.5 with counsel.

                                        6
<PAGE>

                                   ARTICLE IV

                                   TERMINATION
                                   -----------

4.1      TERMINATION  FOR  CAUSE. Notwithstanding anything contained in this
         Agreement to the contrary, the Company shall have the right to
         terminate the employment of the Employee for "cause" upon the
         occurrence of any of the following events:

         a.       the Employee's deliberate or recurrent failure of the Employee
                  to satisfactorily perform his duties under this Agreement if
                  such gross negligence is not cured within ten (10) business
                  days after written notice from the Company thereof;

         b.       the Employee shall, in the  performance of the Employee's
                  duties under this Agreement, engage in any conduct for which
                  the Employee or the Company are convicted of a felony crime by
                  a court of competent jurisdiction;

         c.       the Employee shall, in the performance of the Employee's
                  duties under this Agreement, engage in any deliberate act or
                  omission which materially injures thc Company or its Business,
                  or the Employee acts with gross negligence or wanton disregard
                  for the welfare of the Company or its Business (this provision
                  is not intended to include good faith miscalculations or
                  errors in judgment);

         d.       the Employee shall inexcusably violate or willfully refuse to
                  obey the lawful and reasonable instructions of the Board of
                  Directors or the chief executive officer of the Company; or

         e.       the transactions contemplated by thc Purchase Agreement are
                  not consummated in full.

Where the employment of the Employee is terminated pursuant to Section 4.1 of
this Agreement, such termination shall be effective upon the delivery of notice
thereof to the Employee and the Company's obligations to the Employee under this
Agreement shall terminate immediately thereafter. Notwithstanding the foregoing,
no such termination shall affect the obligation of the Company to pay to
Employee compensation earned, but not paid, prior to the date of termination.

4.2. DEATH OF EMPLOYEE. In the event of the Employee's death during the term of
this Agreement, this Agreement and the Company's obligations to the Employee
under this Agreement shall terminate.

                                        7
<PAGE>

4.3. RESIGNATION OF EMPLOYEE. The Employee may resign at any time for any reason
upon sixty (60) days advance written notice to the Chairman of the Board of
Directors, provided that the Company's obligations to the Employee under this
Agreement, shall cease on the date the Employee's termination is effective.

4.4. TERMINATION OF EMPLOYEE WITHOUT CAUSE OR RESIGNATION FOR GOOD REASON.
Nothing contained herein shall prohibit the Company from terminating the
Employee's employment without "cause" during the Term or the Employee from
resigning for "good reason" during Employee's employment by the Company,
provided that in the event of the Employee's termination without "cause" or
resignation for "good reason" during the Original Term, the Employee shall
receive an amount equal to fifty percent (50%) of his then effective Base
Salary. The severance payment made in accordance with this Section 4.4 shall be
made over the remainder of the Original Term as if the Employee continued to be
employed by the Company. In consideration for the payments provided in this
Section 4.4, the Employee agrees to execute a release of any and all claims
against the Company, at the time of the termination of his employment, except
for claims made pursuant to this Agreement or the Purchase Agreement, the
release to be in such reasonable form as shall be prepared by the Company, and
to comply with the limitations imposed in Article III of this Agreement. For the
purposes of this Section 4.4, "good reason" shall mean:

         a.       Assignment to employee of duties inconsistent with her present
                  position as Executive Vice President, Business Development or
                  a reduction or alteration in the nature of the employee's
                  position, duties, status or responsibilities from those in
                  effect as of the execution of this Agreement.

         b.       Any attempt to reduce the Employee's base salary in effect
                  upon the execution of this Agreement.

4.5 WITHHOLDING OF PAYMENTS. In the event that the Employee breaches the terms
of Article III, the Employee agrees that the Company may withhold payments to be
made pursuant to Section 4.4 to be applied against damages related to such
breach, as the case may be, provided, however, that the Company must first
obtain a court order finding that a breach of Article III by the Employee has
occurred.

4.6. SURVIVING RIGHTS. Notwithstanding the termination of the Employee's
employment, including by resignation, the parties shall be required to carry out
any provisions hereof which contemplate performance subsequent to such
termination; and such termination shall not affect any liability or other
obligation which shall have accrued prior to such termination, including, but
not limited to, any liability for loss or damage on account of a prior default.

                                        8
<PAGE>

                                   ARTICLE V.

                               GENERAL PROVISIONS
                               ------------------

5.1 NOTICES. All notices, requests, and other communications shall be in writing
and except as otherwise provided herein, shall be considered to have been
delivered if personally delivered or when deposited in the United States Mail,
first class, certified or registered, postage prepaid, return receipt requested,
addressed to the proper party at its address as set forth below, or to such
other address as such party may hereafter designate by written notice to the
other party:

         a.       If to the Company, to:

                  Bo W. Lycke, CEO
                  HealthExchange.com, inc.
                  c/o Claimsnet.com inc.
                  12801 N. Central Expressway, #1515
                  Dallas, Texas 75243

                  With a copy to:

                  Robert S. Brown, Esq.
                  Brock Silverstein LLC
                  800 Third Avenue, 21st Floor
                  New York, NY  10022

         b.       If to the Employee, to:

                  Eric T. Hillerbrand
                  1100 Edison Garden
                  Atlanta, GA   30324

                  With a copy to:

                  William S. Myers
                  Myers & Johnson
                  320 The Candler Building
                  127 Peachtree Street, N.E.
                  Atlanta, Georgia 30303

5.2 WAIVER, MODIFICATION OR AMENDMENT. No waiver, modification or amendment of
any term, condition or provision of this Agreement shall be valid or of any
effect unless made in writing, signed by the party to be bound or its duly
authorized representative and specifying with particularity the nature and
extent of such waiver, modification or amendment. Any waiver by any party of any
default of the other shall not effect, or impair any right arising from, any
subsequent default. Nothing herein shall limit the rights and remedies of the
parties hereto under and pursuant to this Agreement, except as hereinbefore set
forth.

                                        9
<PAGE>

5.3 ENTIRE AGREEMENT. This Agreement contains the entire understanding of the
parties hereto in respect of matters contemplated hereby and supersedes all
prior agreements and understandings between the parties with respect to such
matters including, without limitation, the Prior Employment Agreement.

5.4 INTERPRETATION AND SEVERANCE. The provisions of this Agreement shall be
applied and interpreted in a manner consistent with each other so as to carry
out the purposes and intent of the parties hereto, but if for any reason any
provision hereof is determined to be unenforceable or invalid, such provision or
such part thereof as may be unenforceable or invalid shall, except as otherwise
provided in Section 3.7, be deemed severed from this Agreement and the remaining
provisions shall be carried out with the same force and effect as if the severed
provision or part thereof had not been a part of this Agreement.

5.5 GOVERNING LAW. This Agreement shall be construed and enforced in accordance
with the laws of the State of Georgia.

5.6 ASSIGNMENT. The Employee acknowledges that the Employee's services are
unique and personal. Accordingly, the Employee may not assign the Employee's
rights or delegate the Employee's duties or obligations under this Agreement.
The Company's rights and obligations under this Agreement shall inure to the
benefit of and shall be binding on the Company's successors and assigns.

                                      * * *

                                       10
<PAGE>

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

                                          COMPANY:

                                          By:   ________________________________
                                          Its:  ________________________________

                                          EMPLOYEE:

                                          ______________________________________
                                          Eric T. Hillerbrand<PAGE>

                                                                  EXHIBIT 10.7

                            EMPLOYMENT AGREEMENT FOR
                            ------------------------

                              JEFFREY W. MUSCARELLA
                              ---------------------

THIS EMPLOYMENT AGREEMENT (the "Agreement") is dated as of the 18 day of April,
2000, by and between HealthExchange.com, Inc., a Delaware corporation (the
"Company") and Jeffrey W. Muscarella (the "Employee").

                              W I T N E S S E T H :

WHEREAS, the Company is engaged in the business of providing healthcare
transaction processing services, payment services, healthcare administrative and
benefits management services, and information, data management and data analysis
services, healthcare benefits, and the like, and also is engaged in the business
of providing the software, systems or expertise used to provide the
aforementioned services (collectively, the "Business");

WHEREAS, the Company desires to retain the services of the Employee for and on
behalf of the Company on the terms and subject to the conditions set forth
herein;

WHEREAS, this Agreement is being executed concurrently and in connection with
the execution and delivery of a certain Asset Purchase Agreement, dated March
20, 2000, among the Company, Claimsnet.com inc., a Delaware corporation, and VHx
Company, a Nevada corporation (the "Purchase Agreement");

WHEREAS, each of the parties acknowledge that they are receiving good and
valuable consideration for entering into this Agreement and the Employee
acknowledges that this Agreement, including the covenant not to compete set
forth hereinbelow, was negotiated between the parties hereto and that Employee
received bargained for consideration in connection with the terms of the
Purchase Agreement and this Agreement in exchange for entering into this
Agreement.

NOW, THEREFORE, in consideration of the mutual covenants contained herein, the
sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:

                                   ARTICLE I.

                               EMPLOYMENT AND TERM
                               -------------------

1.1 EMPLOYMENT. Upon the terms and subject to the conditions herein contained,
the Company hereby employs the Employee as an Executive Vice President of the
Company and the Employee hereby accepts such employment.

1.2 TERM. Except as otherwise provided in this Agreement, the original term of
employment under this Agreement shall be three (3) years, commencing on April
18, 2000 (the "Commencement Date") and ending on April 17, 2003 (such period,
the "Original Term") whereupon this Agreement shall terminate and, except as
otherwise

<PAGE>

provided in this Agreement, neither the Company nor the Employee shall have any
further rights, duties, privileges or obligations hereunder. At the expiration
of the Original Term, if the Employee is still employed by the Company, the
Employee will become an at-will Employee of the Company. (Such period of at-will
employment together with the Original Term hereinafter referred to as, the
"Term.") The Employee understands and agrees that during such time as the
Employee remains an at-will Employee of the Company, either the Company or the
Employee may terminate their employment relationship at any time, for any reason
or no reason, subject to the notice provisions of Sections 4.1 and 4.3 of this
Agreement.

                                   ARTICLE II.

                                  COMPENSATION
                                  ------------

2.1 BASE SALARY. In exchange for the provision of services described in greater
detail in Sections 3.1, 3.2 and 3.3, (a) following the Commencement Date and
prior to January 12, 2001, the Employee shall receive a salary at a rate of One
Hundred Forty Thousand Dollars ($140,000) per annum, and (b) following April 17,
2001, the Employee shall receive a salary at a rate of One Hundred Fifty
Thousand Dollars ($150,000) per annum (each hereinafter referred to as the "Base
Salary" with respect to the relevant period of employment. The Base Salary shall
be payable in such manner and at such time as the Company shall pay salary to
other Employees. The Company's obligation to provide the Base Salary provided in
this Section 2.1 and the Benefits and Expense Reimbursement provided in Sections
2.2 and 2.3 of this Agreement, respectively, shall begin on the Commencement
Date.

2.2 BENEFITS. In addition to the compensation set forth under Section 2.1.,
following the Commencement Date, the Employee shall be entitled to participate
in any of the Company's standard benefit policies or plans including any benefit
policies or plans generally applicable to Executive Vice-President level
positions according to their terms. These policies may be modified or terminated
from time to time by the Company, but such changes shall not be deemed to be
effective retroactively. The written terms of the policies shall govern any
questions of eligibility for coverage or duration of coverage.

2.3 EXPENSE REIMBURSEMENT. In addition to the compensation provided in Paragraph
2.1 and the benefits provided for in Paragraph 2.2, the Employee will be
reimbursed for all reasonable travel, hotel, entertainment and other expenses
incurred by him in the performance of his duties hereunder, upon providing to
the Company reasonably detailed evidence of such expenses promptly after such
expenses are incurred.

2.4 STOCK OPTIONS. The Company has a stock option plan currently in place. The
Employee shall be entitled to receive such stock options as may be determined by
the Board of Directors in its sole discretion in accordance with the terms of
the Company's existing stock option plan.

                                       2
<PAGE>

                                  ARTICLE III.

                               DUTIES OF EMPLOYEE
                               ------------------

3.1 SERVICES. The Employee shall perform all duties and obligations assigned to
the Employee by the chief executive officer of the Company, as the same may be
determined from time to time, which duties during the Original Term shall be
consistent with Employee's position as an Executive Vice President of the
Company with responsibility for business development, marketing and sales of VHx
Products. The Chief Executive Officer of the Company shall assure adequate time,
resources and authority for the Employee to achieve goals mutually agreed upon
by him or her and the Employee. The duties of the Employee will be performed
principally in the offices of the Company located in Atlanta, Georgia.

3.2 TIME AND EFFORT. The Employee shall devote his full time and effort to the
business of the Company. Accordingly, upon the execution hereof, Employee shall
terminate all existing employment agreements to which Employee is a party. The
Employee shall perform the duties and obligations required of the Employee
hereunder in a competent, efficient and satisfactory manner at such hours and
under such conditions as the performance of such duties and obligations may
require. This Agreement will not restrict the Employee from being a director or
advisor to other companies so long as those companies do not provide competing
products or services, so long as the Employee's role as director or advisor does
not interfere with the performance of the duties and obligations described in
this Agreement and so long as Employee receives written pre-approval from the
chief executive officer of the Company, which approval shall not be unreasonably
withheld.

3.3 ARTICLES AND BY-LAWS. The Employee shall act in accordance with and so as to
abide by the Articles of Incorporation of the Company, the Bylaws of the
Company, all decisions of the Board of Directors and the directions of the chief
executive officer of the Company, as the same may be amended or drafted from
time to time.

3.4 CONFIDENTIALITY AND LOYALTY. The Employee acknowledges that, during
Employee's employment by the Company he has produced and/or may produce and has
had and/or may have access to material, records, data and information not
generally available to the public regarding the Company, its customers and
affiliates, including but not limited to: sales, marketing and business plans,
proposals or strategies; past and prospective customer lists and information;
price, accounting, cost information; acquisition activity; and administrative
techniques and other documents or information which is or has been designated as
"Confidential" (or another similar designation) and/or which constitute the
proprietary information of the Company ("Confidential Information").
Accordingly, during and subsequent to the termination of this Agreement, the
Employee shall hold in confidence and not directly or indirectly disclose, use,
copy or make lists of any such Confidential Information, except to the extent
such disclosure, use, copy or list is first authorized in writing by the
Company, or as required by law or any competent administrative agency or as
otherwise is reasonably necessary or appropriate

                                       3
<PAGE>

in connection with the performance by the Employee of his duties pursuant to
this Agreement. For the purposes of this section, the following shall not be
considered Confidential Information:

     a.  any information that was known by the Employee prior to the date and
         time of receipt of the Confidential Information from the Company, other
         than as a result of some breach by the Employee or other person or
         entity of the Company's right in and to the Confidential Information;

     b.  any information that was available in published print or otherwise
         known to the public, unless published or made known as a result of the
         unauthorized acts or omissions of the Employee or other person or
         entity;

     c.  any information that, after disclosure by the Company, becomes
         available in published print or otherwise known to the public, unless
         published or made known as a result of the unauthorized acts or
         omissions of the Employee or other person or entity; or

     d.  any information that is lawfully obtained by the Employee from a third
         party who or which did not acquire such information, directly or
         indirectly, as a result of some breach, violation or interference by
         such person or entity of or with the Company's rights in and to the
         Confidential Information.

Upon termination of his employment under this Agreement or upon the request of
the Company, the Employee shall promptly deliver to the Company (i) all records,
manuals, books, documents, letters, reports, data, tables, calculations and all
copies of any of the foregoing which are the property of the Company or which
relate in any way to the customers, business, practices or techniques of the
Company, and (ii) all other property of the Company and Confidential Information
which in any of these cases are in his possession or care or under his control.
The Employee agrees to abide by the Company's reasonable policies as in effect
from time to time, respecting avoidance of interests conflicting with those of
the Company.

3.5 COVENANT NOT TO COMPETE. In exchange for the consideration given by the
Company to the Employee pursuant to both the Purchase Agreement and this
Agreement, the Employee agrees, represents to and covenants with the Company
that during Employee's employment and for a period of one (1) year after the
termination of the Employee's employment with the Company for any reason, the
Employee shall not, either directly or indirectly:

     a.  within the United States or internationally, own, manage, operate or
         control, or participate in the ownership, management, operation or
         control of, or be employed by, or act as a consultant or advisor to, or
         be connected in any manner with, any person, or other entity that is
         engaged in the Business; or

                                       4
<PAGE>

     b.  solicit customers, or the business of any person or entity who or which
         is or has been a customer or account of the Company or of its customers
         or affiliates; or

     c.  induce or attempt to induce any director, Employee, consultant or other
         independent contractor to do any of the foregoing or to discontinue
         such person's association with the Company.

In the event that the Employee's employment with the Company is terminated
during the Original Term, the Employee's obligations pursuant to this Section
3.5 shall last for a period of one (1) year plus (i) the number of months
remaining between the date of the termination of employment and the expiration
of the Original Term if such termination is pursuant to Section 4.1 or 4.3, or
(ii) six (6) months if such termination is pursuant to Section 4.4, after the
date of termination of Employee's employment.

3.6 OWNERSHIP OF INTELLECTUAL PROPERTY.

         a. The Employee shall promptly disclose to the Company any and all
inventions, discoveries and improvements made, conceived, created, developed or
contributed to by the Employee during his employment by the Company which are
(i) directly or indirectly related to the Business, operations or activities of
the Company (or its affiliates) or to the Employee's employment with the
Company, or (ii) based upon Confidential Information, (collectively,
"Inventions"). The Employee shall promptly communicate to the Company all
information, details and data pertaining to any Inventions in such form as the
Company requests. Whenever the Employee is requested to do so by the Company,
during or after Employee's employment by the Company, the Employee shall
promptly execute and deliver any and all applications, assignments or other
documents or instruments reasonably deemed necessary by the Company to apply for
and obtain Letters Patent of the United States or any foreign country or to
otherwise protect the Company's interests in any Inventions. The obligations set
forth in this Section 3.6(a) shall be binding upon the successors, assigns,
executors, administrators and other legal representatives of the Employee.

         b. Any sales approaches, sales material, training material, computer
software, documentation, other copyrightable works or any other intellectual
property (including, but not limited to, materials or services subject to
trademark or service mark registration) made, conceived, created, developed or
contributed to by the Employee during Employee's employment by the Company and
which are (i) directly or indirectly related to the Business, operations or
activities of the Company (or its affiliates) or to the Employee's employment by
the Company, or (ii) based upon Confidential Information, shall be considered
"works made for hire" under the copyright laws of the United States
(collectively, "Works for Hire"). The Employee shall promptly communicate to the
Company all information, details and data pertaining to any Works for Hire in
such form as the Company requests. To the extent that Works for Hire fail to
qualify as "works made for hire" under the copyright laws of the United States
or any other jurisdiction, the

                                       5

<PAGE>

Employee hereby assigns each Work for Hire and all right, title and interest
therein in any jurisdiction to the Company. Whenever the Employee is requested
to do so by the Company, during or after Employee's employment by the Company,
the Employee shall promptly execute and deliver any and all applications,
assignments or other documents or instruments reasonably deemed necessary by the
Company to apply for and confirm and effectuate full and exclusive ownership of
Works for Hire in the Company, including, but not limited to, ownership of any
moral rights under the copyright law of any nation, or any other rights under
the intellectual property laws of any nation. The obligations set forth in this
Section 3.6(b) shall be binding upon the successors, assigns, executors,
administrators and other legal representatives of the Employee.

         c. The Employee shall bear the burden of proof that any invention,
discovery, improvement or other intellectual property made, conceived, created,
developed or contributed to by the Employee was first made, conceived, created,
developed or contributed to after the termination of the Employee's employment
with the Company. The Employee shall bear the burden of proof that any
invention, discovery, improvement or other intellectual property made,
conceived, created, developed or contributed to by the Employee during
Employee's employment by the Company is unrelated to (i) any of the Business,
operations or activities of the Company (or its affiliates) or to the Employee's
employment by the Company, and (ii) was not based upon Confidential Information.

3.7 REMEDIES. The Employee acknowledges and agrees that any breach of any of the
covenants or agreements set forth in this ARTICLE III of this Agreement will
cause the Company irreparable harm for which there is no adequate remedy at law,
and, without limiting whatever other rights and remedies the Company may have at
law or in equity, the Employee consents to the issuance of an injunction in
favor of the Company enjoining the breach of any of the aforesaid covenants or
agreements by any court of competent jurisdiction. If any or all of the
aforesaid covenants or agreements are held to be unenforceable because of the
scope or duration of such covenant or agreement or the geographical area covered
thereby, the parties agree that the court making such determination shall have
power to reduce or modify the scope, duration and/or area of such covenant to
the extent necessary to cause such covenants or arrangements to comport with.

3.8 ACKNOWLEDGMENT. The Employee acknowledges that the Employee has reviewed the
terms of Section 3.5 including, without limitation, the geographic scope of
Section 3.5 and understands its consequences. The Employee further acknowledges
that the geographic restriction of Section 3.5 is required because the Company
will be involved with brand new technology which will have worldwide
application. Further, the Employee acknowledges that he has had an opportunity
to review this Section 3.5 with counsel.

                                       6
<PAGE>

                                   ARTICLE IV.

                                   TERMINATION
                                   -----------

4.1 TERMINATION FOR CAUSE. Notwithstanding anything contained in this Agreement
to the contrary, the Company shall have the right to terminate the employment of
the Employee for "cause" upon the occurrence of any of the following events:

     a.  the Employee's deliberate or recurrent failure of the Employee to
         satisfactorily perform his duties under this Agreement if such gross
         negligence is not cured within ten (10) business days after written
         notice from the Company thereof;

     b.  the Employee shall, in the performance of the Employee's duties under
         this Agreement, engage in any conduct for which the Employee or the
         Company are convicted of a felony crime by a court of competent
         jurisdiction;

     c.  the Employee shall, in the performance of the Employee's duties under
         this Agreement, engage in any deliberate act or omission which
         materially injures the Company or its Business, or the Employee acts
         with gross negligence or wanton disregard for the welfare of the
         Company or its business (this provision is not intended to include good
         faith miscalculations or errors in judgment);

     d.  the Employee shall inexcusably violate or willfully refuse to obey the
         lawful and reasonable instructions of the Board of Directors or the
         chief executive officer of the Company; or

     e.  the transactions contemplated by the Purchase Agreement are not
         consummated in full.

Where the employment of the Employee is terminated pursuant to Section 4.1 of
this Agreement, such termination shall be effective upon the delivery of notice
thereof to the Employee and the Company's obligations to the Employee under this
Agreement shall terminate immediately thereafter. Notwithstanding the foregoing,
no such termination shall affect the obligation of the Company to pay to
Employee compensation earned, but not paid, prior to the date of termination.

4.2. DEATH OF EMPLOYEE. In the event of the Employee's death during the term of
this Agreement, this Agreement and the Company's obligations to the Employee
under this Agreement shall terminate.

4.3 RESIGNATION OF EMPLOYEE. The Employee may resign at any time for any reason
upon sixty (60) days advance written notice to the Chairman of the Board of
Directors provided that the Company's obligations to the Employee under this
Agreement, shall cease on the date the Employee's termination is effective.

                                       7

<PAGE>

4.4. TERMINATION OF EMPLOYEE DURING TERM WITHOUT CAUSE OR RESIGNATION FOR GOOD
REASON. Nothing contained herein shall prohibit the Company from terminating the
Employee's employment without "cause" or the Employee from resigning for "good
reason" during Employee's employment by the Company, provided that in the event
of the Employee's termination without "cause" or resignation for "good reason"
during the Original Term, the Employee shall receive an amount equal to fifty
percent (50%) of his then effective Base Salary. The severance payment made in
accordance with this Section 4.4 shall be made over the remainder of the
Original Term as if the Employee continued to be employed by the Company. In
consideration for the payments provided in this Section 4.4, the Employee agrees
to execute a release of any and all claims against the Company, at the time of
the termination of his employment, except for claims made pursuant to this
Agreement or the Purchase Agreement, the release to be in such reasonable form
as shall be prepared by the Company, and to comply with the limitations imposed
in Article III of this Agreement. For the purpose of this section 4.4, "good
reason" shall mean:

     a.  Assignment to Employee of duties inconsistent with his present position
         as Executive Vice President, Business Development or a reduction or
         alteration in the nature of the Employee's position, duties, status
         responsibilities from those in effect as of the execution of this
         Agreement;

     b.  Any attempt to reduce the Employee's base salary in effect upon the
         execution of this Agreement.

4.5 WITHHOLDING OF PAYMENTS. In the event that the Employee breaches the terms
of Article III, the Employee agrees that the Company may withhold payments to be
made pursuant to Section 4.4 to be applied against damages related to such
breach, as the case may be, provided, however, that the Company must first
obtain a court order finding that a breach of Article III by the Employee has
occurred.

4.6. SURVIVING RIGHTS. Notwithstanding the termination of the Employee's
employment, including by resignation, the parties shall be required to carry out
any provisions hereof which contemplate performance subsequent to such
termination; and such termination shall not affect any liability or other
obligation which shall have accrued prior to such termination, including, but
not limited to, any liability for loss or damage on account of a prior default.

                                       8
<PAGE>

                                   ARTICLE V.

                               GENERAL PROVISIONS
                               ------------------

5.1 NOTICES. All notices, requests, and other communications shall be in writing
and except as otherwise provided herein, shall be considered to have been
delivered if personally delivered or when deposited in the United States Mail,
first class, certified or registered, postage prepaid, return receipt requested,
addressed to the proper party at its address as set forth below, or to such
other address as such party may hereafter designate by written notice to the
other party:

            a.    If to the Company, to:

                  Bo W. Lycke, CEO
                  HealthExhchange.com, inc.
                  c/o Claimsnet.com inc.
                  12801 N. Central Expressway, #1515
                  Dallas, Texas 75243

                  With a copy to:

                  Robert S. Brown, Esq.
                  Brock Silverstein LLC
                  800 Third Avenue, 21st Floor
                  New York, NY 10022

            b.    If to the Employee, to:

                  Jeffrey W. Muscarella
                  __________________________________

                  __________________________________

                  With a copy to:

                  William S. Myers
                  Myers & Johnston
                  320 The Candler Building
                  127 Peachtree Street N.E.
                  Atlanta GA 30303

5.2 WAIVER, MODIFICATION OR AMENDMENT. No waiver, modification or amendment of
any term, condition or provision of this Agreement shall be valid or of any
effect unless made in writing, signed by the party to be bound or its duly
authorized representative and specifying with particularity the nature and
extent of such waiver, modification or amendment. Any waiver by any party of any
default of the other shall not effect, or impair any right arising from, any
subsequent default. Nothing herein shall

                                       9
<PAGE>

limit the rights and remedies of the parties hereto under and pursuant to this
Agreement, except as hereinbefore set forth.

5.3 ENTIRE AGREEMENT. This Agreement contains the entire understanding of the
parties hereto in respect of matters contemplated hereby and supersedes all
prior agreements and understandings between the parties with respect to such
matters including, without limitation, the Prior Employment Agreement.

5.4 INTERPRETATION AND SEVERANCE. The provisions of this Agreement shall be
applied and interpreted in a manner consistent with each other so as to carry
out the purposes and intent of the parties hereto, but if for any reason any
provision hereof is determined to be unenforceable or invalid, such provision or
such part thereof as may be unenforceable or invalid shall, except as otherwise
provided in Section 3.7, be deemed severed from this Agreement and the remaining
provisions shall be carried out with the same force and effect as if the severed
provision or part thereof had not been a part of this Agreement.

5.5 GOVERNING LAW. This Agreement shall be construed and enforced in accordance
with the laws of the State of Georgia.

5.6 ASSIGNMENT. The Employee acknowledges that the Employee's services are
unique and personal. Accordingly, the Employee may not assign the Employee's
rights or delegate the Employee's duties or obligations under this Agreement.
The Company's rights and obligations under this Agreement shall inure to the
benefit of and shall be binding on the Company's successors and assigns.

                                      * * *

                                       10

<PAGE>

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

                                    COMPANY:

                                    By: ________________________________
                                    Its:________________________________

                                    EMPLOYEE:

                                    ____________________________________
                                    Jeffrey W. Muscarella

                                       11

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]