Document:

<PAGE>   1
                                                                    EXHIBIT 10.5

                            DATED 30th December 1998

                                SOFTWARE LICENCE

                          MATCH HEALTH CARE        (1)
                          SERVICES LIMITED

                          MPOWER SOLUTIONS INC     (2)

                                 LAWRENCE GRAHAM
                                   190 Strand
                                 London WC2R 11N
                               Tel: 0171-379 0000
                               Fax: 0171 379 6854

                                 Ref: 0847658.01

<PAGE>   2

THIS AGREEMENT is made the 30th day of December 1998

BETWEEN:-

(1)     MATCH HEALTHCARE SERVICES LIMITED whose registered office is at Jessica
        House, Red Lion Square, 191 Wandsworth High Street, London, SW18 4LS
        (the "Licensor"); and

(2)     MPOWER SOLUTIONS INC, with its principal offices at 6400 South Fiddlers
        Green Circle, Suite 540, Englewood, Colorado 80111 (the "Licensee")

WHEREAS:-

(A)     The Licensor is the owner of a computer software product known as
        Matchnet further details of which are set out in Schedule 1 (the
        "Software").

(B)     The Licensee wishes to acquire from the Licensor a licence to use modify
        and sublicense the use of the Software in the Territory (as defined in
        Schedule 3) and the Licensor is willing to grant such an agreement on
        the terms of this agreement.

NOW IT IS HEREBY AGREED AS FOLLOWS:

1.      GRANT OF LICENCE

1.1     In consideration of the payments to be made by the Licensor pursuant to
        Clause 3 the Licensor hereby grants to the Licensee and the Licensee
        hereby accepts the following exclusive licences in respect of the
        healthcare market in the Territory (save as provided below) and
        non-exclusive licences in respect of the non healthcare market in the
        Territory each of which licences shall be non-transferable (the
        "Licenses"):

        1.1.1  a licence to use alter amend upgrade translate modify and enhance
               the Software to integrate the Software with the Licensee's
               software products;

        1.1.2  a licence to market distribute and grant a sub-licence of the use
               (but not to modify or further sub-licence the Software) of the
               Software.

Provided that such exclusivity will forthwith cease and such licences shall
become non-exclusive on the expiry of 18 months from the Commencement Date if
the sales targets set out at Clause 5.1.1 are not achieved and where such sales
targets are achieved but the sales targets set out in Clause 5.1.2 are not
achieved then the

<PAGE>   3

exclusivity shall terminate at the end of 30 months from the Commencement Date.
Notwithstanding the above the exclusivity shall in any event forthwith terminate
on the expiry of 10 years from the Commencement Date.

1.2     The Licensor shall promptly following the signature of this Agreement
        furnish the Licensee with one reproducible copy of the Software together
        with its current (as at the date hereof) user manual written operating
        instructions therefor.

2.      TERM

        The Agreements shall take effect on the date of the signature by the
        parties of this Agreement ("the Commencement Date") and shall continue
        thereafter until or unless terminated by either party pursuant to
        Clause 11.

3.      LICENCE FEE AND ROYALTIES

3.1     In consideration of the grant of the Licences the Licensee shall pay to
        the Licensor:

        3.1.1  the sum of US $850,000 (the "Initial Fee") in accordance with
               Schedule 2; and

        3.1.2  a sum equal to 17.5% of all sums received or paid to the Licensee
               in respect of sales or licences granted by the Licensee of the
               Software or any products sold or licences granted by the Licensee
               in each year during the term of this Agreement (including in
               respect of sales made prior to the termination of this Agreement,
               and received after the termination of the Agreement) which
               contain the Software (in whole or in part) ("Relevant Products)
               such payments shall be made within 90 days of the date of the
               Licensor's invoice therefor.

3.2     If any deduction or withholding is required by law in respect of any
        payment due to the Licensor, the Licensee shall pay such additional
        amounts as may be necessary to ensure that the Licensor receives a net
        amount equal to the full amount which it would have received had the
        payment not been subject to the withholding.

4.      TECHNICAL ASSISTANCE

4.1     From the Commencement Date until the Licensee's first installation of
        the Software with an end user the Licensor shall provide the Licensee
        with all reasonable and necessary technical support (excluding
        developmental programming) in connection with the operation of the
        Software to facilitate the handover of an operational product ("the
        Assistance") and shall during the 6

* Confidential Treatment Requested
<PAGE>   4

        months following the signature of the Licensor's first licence of the
        Software provide to the Licensee Assistance in connection with the
        operation of the Software up to a maximum of 10 man days per month the
        Assistance to be provided pursuant to this Clause 4.1 shall be free of
        charge.

4.2     The Assistance to be provided pursuant to Clause 4.1 shall wherever
        possible be provided remotely by or on behalf of the Licensor provided
        that if in the reasonable opinion of the Licensor it is desirable or at
        the request of the Licensee the Licensor may provide such assistance at
        the premises of the Licensee in which case the Licensee shall pay all
        costs reasonably incurred by the Licensor in respect of travel
        subsistence and accommodation within 60 days of the date of the
        Licensor's invoice in respect thereof.

4.3     If the Licensee requests any Assistance in excess of that to be provided
        pursuant to Clause 4.1 then any such Assistance provided by the Licensor
        will be at its then prevailing time and materials rates and otherwise on
        terms to be agreed between the parties.

5.      SALES TARGETS

5.1     The Licensee shall during the term of this Agreement attain the
        following sales of the Relevant Products:-

        5.1.1  during the first 18 months, from the Commencement Date the
               Licensee shall achieve no less than $2,000,000 worth of sales of
               the Relevant Products; thereafter

        5.1.2  the Licensee shall achieve no less than $3,000,000 worth of sales
               per year of the Relevant Products.

6.      LICENCEES END-USERS

        The Licensee shall ensure that the terms of its sub-licence to its
        end-users contains a prohibition on granting any further licences or sub
        licences in respect of the Software and to the maximum extent permitted
        by applicable law not to modify or reverse engineer the Software and the
        Licensee undertakes to the Licensor that it will not distribute any
        copies of the Software (in whole or in part) to any end user prior to
        receiving its written acceptance of such prohibition.

7.      UNDERTAKINGS BY THE LICENCEE

        The Licensee undertakes and agrees with the Licensor that it will at all
        times

* Confidential Treatment Requested
<PAGE>   5

        during the continuance in force of this Agreement and where applicable,
        following termination hereof observe and perform the terms and
        conditions set out in this Agreement and in particular;

7.1     will use at all times its best endeavours to promote and extend the
        market for the Software to all potential licensees in the Territory and
        work diligently to obtain the Sales Targets;

7.2     will at its own expense provide advertising and publicity for the
        Software;

7.3     will not without the previous consent in writing of the Licensor be
        concerned or interested either directly or indirectly in the production,
        importation, sale, licensing or advertisement of any software which is
        so like or similar to the Software as to be capable of restricting,
        competing or otherwise interfering with or which might otherwise
        restrict or interfere with the market for the Software;

7.4     will not incur any liability on behalf of the Licensor or in any way
        pledge or purport to pledge the Licensor's credit or purport to make any
        contract binding upon the Licensor;

7.5     will not alter, obscure, remove, conceal or otherwise interfere with any
        eye-readable or machine-readable marking on the Software which refers to
        the Licensor as author or developer of the Software or otherwise refers
        to the Licensor's copyright or other intellectual property rights in the
        software;

7.6     will permit any duly authorised representative of the Licensor upon
        reasonable prior notice to enter into any of the Licensees' premises for
        the purpose of ascertaining that the provisions of this Agreement are
        being complied with by the Licensee;

7.7     will immediately bring to the attention of the Licensor any improper or
        wrongful use of the Licensor's trade marks, intellectual or commercial
        property rights which come to the notice of the Licensee and will in the
        performance of its duties under this Agreement use every effort to
        safeguard the property rights and interests of the Licensor and will at
        the request and cost of the Licensor take all steps required by the
        Licensor to defend such rights;

7.8     will during the continuance of the Agreement keep full accurate and
        up-to-date details of the number of sales and the amount of revenue
        payable and received and outstanding from sales of the Relevant Products
        and shall on reasonable prior written notice permit an auditor or other
        independent representative appointed by

<PAGE>   6

        the Licensor to inspect such records at all reasonable times;

7.9     will on the Licensor's written request, provide to the Licensor a report
        from the Licensee's external auditors certifying the accuracy of the
        information submitted by the Licensee pursuant to Clause 7.8 provided
        that the Licensor shall not request such a report more than once in any
        period of 6 months during the Term.

7.10    will from time to time on request by the Licensor, supply to the
        Licensor reports, returns and other information relating to the
        Agreements; and

7.11    will at all times in good faith and not take any action which will
        prejudice the prospects of the Licensor in relation to its entitlement
        in respect of sale or licences of Relevant Products.

8.      LIABILITY

        Except to the extent that statute prevents liability from being lawfully
        excluded in an Agreement of this nature and between the respective
        parties hereto, any statement, representation, condition, warranty or
        other term express or implied, statutory or otherwise, as to the
        quality, merchantability, suitability or fitness for any particular
        purpose of the Software is hereby excluded and the Licensor shall not be
        liable to the Licensee or to any other persons by reason thereof or any
        duty, statutory or otherwise, for any loss or damage (whether direct
        indirect or consequential) arising directly or indirectly in connection
        with the Software or any documentation manual provided by the licensor
        to the licensee relating thereto.

9.      COPYRIGHT, PATENTS, TRADE MARKS AND OTHER INTELLECTUAL PROPERTY RIGHTS

9.1     The Licensee acknowledges that any and all of the copyright trade marks
        and other intellectual property rights subsisting in or used in
        connection with the Software including all documentation and manuals
        relating thereto are and shall remain the property of the Licensor and
        the Licensee shall not during or at any time after the expiry or
        termination of this Agreement in any way question or dispute the
        ownership thereof by the Licensor.

9.2     The Licensee also acknowledges that such copyright trade marks and other
        rights belonging to the Licensor may only be used by the Licensee with
        the consent of the Licensor and during this Agreement.

9.3     The Licensee shall not during or after the expiry or termination of this
        Agreement,

<PAGE>   7

        without the prior written consent of the Licensor, use or adopt any
        name, trade name, trading style or commercial designation that includes
        or is similar to or may be mistaken for the whole or any part of any
        trade mark trade name, trading style or commercial designation used by
        the Licensor.

10.     CONFIDENTIALITY

10.1    Except as provided by Clause 10.2 each party shall at all times during
        the continuance of this Agreement and thereafter:

        10.1.1  use its best endeavours to keep all Restricted Information
                (which for the purpose of this Agreement means any confidential
                information which is disclosed by either part to the other
                pursuant to or in connection with this Agreement (whether orally
                or in writing and whether or not such information is expressly
                stated to be confidential or marked as such) of the other party
                confidential and accordingly not to disclose any of the other
                party's Restricted Information to any other person; and

        10.1.2  not use any of the other party's Restricted Information for any
                purpose other than the performance of its obligations under this
                Agreement.

10.2    Any Restricted Information of each party may be disclosed by the other
        party (the "Disclosing Party") to:

        10.2.1  any governmental or other authority or regulatory body; and

        10.2.2  any employees of the Disclosing Party or of any of the
                aforementioned persons;

        to such extent only as is necessary for the purposes contemplated by
        this Agreement or as is required by law and subject in each case to the
        Disclosing Party using all reasonable endeavours to ensure that the
        person in question keeps the same confidential and does not use the same
        except for the purposes for which the disclosure was made.

11.     TERMINATION

11.1    Notwithstanding any provisions herein contained this Agreement may be
        terminated forthwith by either party by notice in writing from the party
        not at fault if any of the following events shall occur:-

        11.1.1  if the other party shall at any time be in default under this
                Agreement

<PAGE>   8

        and shall fail to remedy such default (if capable of remedy) within
        thirty (30) days from receipt of notice in writing from the first party
        specifying such default;

        11.1.2  if the other party shall commit any act of bankruptcy, shall
                have a receiving order made against it, shall make or negotiate
                for any composition or arrangement with or assignment for the
                benefit of its creditors or if the other party being a body
                corporate, shall present a petition or have a petition presented
                by a creditor for its winding up or shall enter into any
                liquidation (other than for the purpose of reconstruction or
                amalgamation), shall call any meeting of its creditors, shall
                have a receiver of all or any of its undertakings or assets
                appointed, shall be deemed by virtue of the relevant statutory
                provisions under the applicable law to be unable to pay its
                debts, or shall cease to carry on business;

        may be so terminated by the Licensor if any of the following events
        shall occur:-

        11.1.3  non-payment of any sum payable under this Agreement to the
                Licensor by its due date for payment; and

        11.1.4  the Licensee fails to meet the sales targets pursuant to Clause
                5.

11.2    The expiry or termination of this Agreement shall be without prejudice
        to the rights of the parties accrued up to the date of such expiry or
        termination.

11.3    Upon the termination of this Agreement the Licensee shall at the request
        of the Licensor and within 30 days thereof transfer or assign to the
        Licensor all Licences with its end users relating to the Software.

12.     INTEREST

        The Licensee shall pay to the Licensor interest on any amount payable to
        the other hereunder which is not paid within 30 days of the day on which
        it falls due at a rate equal to 2% per annum over LIBOR (which for the
        purposes of this Agreement shall mean (i) the rate for US dollar
        deposits for that period which appears on the Telerate page 3750 (or
        such other page as may replace that page for the purpose of displaying
        offered rates of lending banks for London inter-bank deposits as
        aforesaid) at or about 11 am on the first day of that period or (ii)
        such other rate as may be agreed between the Licensor and the Licensee
        both before and after judgement until the date of payment.

<PAGE>   9

13.     WAIVER

        Failure or neglect by the Licensor to enforce at any time any of the
        provisions hereof shall not be construed nor shall be deemed to be a
        waiver of the Licensor's rights hereunder nor in any way affect the
        validity of the whole or any part of this Agreement nor prejudice the
        Licensor's rights to take subsequent action.

14.     ASSIGNMENT OR TRANSFER

        This Agreement shall not be assigned by the Licensee in whole or in
        part, to any party without the prior written consent of the Licensor not
        to be unreasonably withheld.

15.     AGREEMENT

        This Agreement supersedes any arrangements, understandings, promises or
        licences made or existing between the parties and constitutes the entire
        understanding between the parties. Except as otherwise provided herein,
        no addition, amendment to or modification of this Agreement shall be
        effective unless it is in writing and signed by and on behalf of both
        parties.

16.     NOTICES

16.1    Any notice by either party to be given hereunder shall be delivered or
        sent by first class post or by facsimile transmission (such facsimile
        transmission notice to be confirmed by letter posted within 12 hours) to
        the address or to the facsimile number of the party set out below (or
        such other address or numbers as may have been notified) and any such
        notice or other document shall be deemed to have been served (if
        delivered) at the time of delivery (if sent by post) upon the expiration
        of 48 hours after posting and (if sent by facsimile transmission) upon
        the expiration of 12 hours after dispatch.

        Notices to Licensor:

        Address:          Jessica House, Red Lion Square,
                          191 Wandsworth High Street,
                          London, SW18 4LS
        Facsimile Number: 0181 875 9720
        Attention of:     Company Secretary

<PAGE>   10

        Notices to Licensee:

        Address:          6400 South Fiddlers Green Circle,
                          Suite 540, Englewood,
                          Colorado 80111
        Facsimile Number: 001 303 488 9705
        Attention of:     Lorine Sweeney

        The Licensee appoints Lorine Sweeney to accept service on its behalf of
        any suit action or proceedings arising out of or in connection with the
        Agreement which may be commenced pursuant to this Agreement.

17.     ANNOUNCEMENTS/PRESS RELEASES

        Save as required by law or any relevant regulatory authority, no
        announcement or press release concerning this Agreement shall be made by
        the Licensee without the prior written approval of the Licensor.

18.     COSTS

        Each of the Licensee and the Licensor shall bear its own costs incurred
        in the negotiation or preparations of this Agreement.

19.     HEADINGS

        The headings of the paragraphs of this Agreement are inserted for
        convenience of reference only and are not intended to be part of or to
        affect the meaning or interpretation of this Agreement.

20.     SEVERABILITY

        In the event that any or any part of the terms, conditions or provisions
        contained in this Agreement shall be determined by any competent
        authority to be invalid, unlawful or unenforceable to any extent such
        term, condition or provision shall to that extent be severed from the
        remaining terms, conditions and provisions which shall continue to be
        valid and enforceable to the fullest extent permitted by law.

21.     LAW

        The parties hereby agree that this Agreement and the provisions hereof
        shall be governed and construed in accordance with English Law and the
        parties hereby submit to the non-exclusive jurisdiction of the English
        courts in relation to any dispute arising in connection with the
        Agreement.

<PAGE>   11

        AS WITNESS the hands of the duly authorised representatives of the
        parties hereto the day and year first before written

        SIGNED by                )
                                 )
        duly authorised          )
        for and on behalf of     )
        MATCH HEALTHCARE         )
        SERVICES LIMITED         )
        in the presence of:      )

        SIGNED by                )

        duly authorised          )    /s/ Lorine Sweeney
        for and on behalf of     )    President and CEO
        MPOWER SOLUTIONS INC.    )
        in the presence of:      )    /s/ Jennifer A. Scott

<PAGE>   12

                                   SCHEDULE 1

                                  The Software

        The Software consists of the Matchnet software.

<PAGE>   13

                                   SCHEDULE 2

                                   Initial Fee

1.      Initial Payment

        US $[*] on or before February 1999;

2.      Payment Terms for Balance

        US $[*] which shall be paid by applying the royalties payable
        pursuant to Clause 3.1.2 until such sum (together with accrued interest)
        has been paid in full. Thereafter the royalties shall be payable in
        accordance with Clause 3.1.2. If at the expiry of 18 months from the
        Commencement Date there is any part the US $[*] (or interest
        thereon) unpaid the Licensee shall forthwith pay all such sums to the
        Licensor by single payment.

3.      Interest

        Subject to Clause 12, interest shall accrue on all the sums referred to
        above at the rate of 1 per cent above LIBOR from the Commencement Date
        to the date of payment.

* Confidential Treatment Requested

<PAGE>   14

                                   SCHEDULE 3

                                  The Territory

        The Territory is the healthcare and non-healthcare markets in the United
        States of America<PAGE>   1
                                                                    EXHIBIT 10.6

                                MASTER AGREEMENT

                                     BETWEEN

                             MPOWER SOLUTIONS, INC.

                                       AND

                              METHODIST CARE, INC.

MPOWER MASTER AGREEMENT                                                   PAGE 1

<PAGE>   2

                           MASTER AGREEMENT

THIS MASTER AGREEMENT (the "Agreement"), effective February 4, 1999 (the
"Effective Date"), between MPOWER SOLUTIONS INC., a Delaware corporation with
its principal place of business located at 6400 S. Fiddler's Green Circle, Suite
540, Englewood, CO 80111 ("MPOWER") and Methodist Care, Inc., a Texas licensed
Health Maintenance Organization ("HMO") with its principal place of business
located at Two Greenway Plaza, Suite 500, Houston, TX 77046 ("Customer") sets
forth the promises of the parties with respect to the products and services of
MPOWER which are described in this Agreement.

WHEREAS, MPOWER is in the business of providing automated managed health care
information software and services to businesses providing managed health care
and insurance services, and desires to provide such services and software to
Customer, subject to the terms hereof; and

WHEREAS, Customer is a Texas licensed HMO and desires to use the software and
services provided by MPOWER, subject to the terms hereof.

NOW THEREFORE, in consideration of the mutual promises made, the terms and
conditions hereunder described and other valuable consideration, the parties
agree as follows:

I.       DEFINITIONS

As used in this Agreement, the following terms shall have the following
meanings:

A.       CPI

         "CPI" shall mean the Consumer Price Index for All Urban Consumers, U.S.
         City Average, for All Items (1982-1984=100), as published by the Bureau
         of Labor Statistics of the U.S. Department of Labor. If the Bureau of
         Labor Statistics ceases to publish or substantially changes the
         content, calculation or format of the CPI, the parties will substitute
         another comparable index published by a mutually agreeable source;
         provided, however, that if the change is merely to redefine the base
         period to some other period, the parties will continue to use the
         affected index but will convert either the current or prior level of
         such index to the same basis as the other by using an appropriate
         conversion factor.

B.       DOCUMENTATION

         "Documentation" shall mean the standard operational instructions,
         manuals and related material regarding MPOWER Products (as defined
         below) which MPOWER will deliver to Customer as set out in the
         Attachments to this Agreement.

MPOWER MASTER AGREEMENT                                                   PAGE 2

<PAGE>   3

C.       MPOWER(R) Product(s)
         "MPOWER(R) Product(s)" shall mean those products which MPOWER will
         deliver to Customer as set out in the Attachments to this Agreement.

D.       Release
         "Release" shall mean a set of computer programs and/or associated
         Documentation regarding an MPOWER Product which MPOWER makes available
         for use by its customers who are covered under warranty or a
         maintenance agreement regarding such MPOWER Product. MPOWER reserves
         the right to charge an additional license fee for any optional modules
         which MPOWER reasonably determines contains significant additional
         functionality. Such significant additional functionality shall mean (a)
         new modules or subsystems that are not a mere enhancement nor extension
         of existing functionality, which enhancements and extensions are
         covered under maintenance agreements, or Go) different hardware,
         operating system platforms or databases. The major modules and/or
         functionality initially covered under this Agreement are listed in
         Exhibit F to the applicable Attachment to this Agreement.

E.       Site(s)

         "Site(s)" shall mean the physical location(s) at which Customer
         conducts its business.

F.       Live Production Environment

         A live production environment ("Live Production Environment") is
         defined whereby MPOWER(R) is managing on-line the enrollment and
         processing of subscribers or members, and, at a minimum, one line of
         business,

G.       Plan(s)

         A "Plan" shall mean a health benefit plan which Customer or a Plan
         Sponsor is offering.

H.       Enrollee.

         "Enrollee" shall mean an individual who is currently enrolled in a Plan
         entitled to receive Covered Services or who has been enrolled in a Plan
         at some time during the then-previous twelve (12) months, whether or
         not such covered Enrollee has presented a valid claim to such Plan.

I.       Covered Services

         "Covered Services" shall mean those healthcare or related benefits that
         an Enrollee is entitled to receive from a Participating Provider or
         other Provider pursuant to the applicable Enrollee Group Benefits
         Agreement.

MPOWER MASTER AGREEMENT                                                   PAGE 3

<PAGE>   4

J.       Participating Provider

         "Participating Provider" means Provider that has entered into an
         agreement with Customer or Customer's customer to provide Covered
         Services to Enrollees.

K.       Group Benefits Agreement

         "Group Benefits Agreement" means the document distributed by Customer
         to its Enrollees describing all Covered Services in a Plan.

L.       Work Order

         "Work Order" shall mean a document that is separately executed by both
         parties, that (a) describes a scope of services that Customer wishes
         MPOWER to perform for Customer, (b) authorizes and obligates MPOWER to
         perform such services for Customer, and (c) obligates Customer to pay
         for such services, all under the terms of that separate document, and
         which document, when executed, is incorporated and made part of this
         Agreement.

M.       Derivative Work

         "Derivative Work" shall mean any computer program, application,
         interface or related documentation that is based on an MPOWER. Product,
         or any component part thereof, that is used or intended to be used as a
         commercial software product or as a competitive product to MPOWER.

N.       Source Code
         "Source Code" shall mean the commonly accepted source code of a
         computer program describing in a formal language certain logic
         functions, from which source code a computer program is compiled or
         interpreted to perform certain functions in a computer.

O.       Object Code

         "Object Code" shall mean the commonly accepted object code of a
         computer program, which is that version of the computer program logic
         that has been translated from the Source Code into instructions that
         can be run directly within a computer in a predefined operating system
         environment.

P.       Plan Sponsor

         "Plan Sponsor" shall mean the health plan, organization or legal person
         that offers a Plan either directly or through another organization or
         legal entity to Enrollees.

MPOWER MASTER AGREEMENT                                                   PAGE 4

<PAGE>   5

Q.       Provider

         "Provider" shall mean a medical services provider, clinic, laboratory
         or other institution or facility that customarily provides Covered
         Services or other medical, surgical, laboratory, radiology, therapies,
         alternative medical services or any other commonly accepted services of
         a medical or medically related nature, whether licensed or unlicensed,
         to Enrollees of Customer or Customer's customers.

R.       Claim Transaction

         "Claim Transaction" shall mean a medical, surgical, laboratory,
         radiology, therapy or other service claim or encounter, whether for a
         Covered Service or any other service or product, submitted to Customer
         by a Provider detailing services or products provided by such Provider
         to an Enrollee.

S.       Encounter File
         "Encounter File" shall mean the codified output of one or more of the
         aforementioned services performed by such Provider to an Enrollee,
         resulting in claim transaction(s) to be processed.

T.       "Life"("Lives")

         "Life" ("Lives") shall mean an Enrollee or Member.

U.       End User or Authorized User

         "End User" or "Authorized User" shall mean all such authorized
         individuals deemed by Customer to require access to the then current
         release of MPOWER Product in Object Code form, based upon conformance
         to the terms and conditions set forth in Paragraph II (Confidential and
         Proprietary Information) of this Agreement.

V.       Effective Date

         "Effective Date" shall mean the date this Agreement is executed as
         evidenced by the signature page included herein.

II.      CONFIDENTIAL AND PROPRIETARY INFORMATION

         MPOWER, on behalf of itself, its employees, agents, vendors,
         successors, and assigns, agrees to keep in confidence all data relating
         to Customer's business to which MPOWER

MPOWER MASTER AGREEMENT                                                   PAGE 5

<PAGE>   6

         may have access as a result of performing its obligations under this
         Agreement and the terms of this Agreement.

         MPOWER asserts and Customer acknowledges that all MPOWER Products,
         structural definitions, the Documentation and the Releases, and a11
         information, data, designs, system setups, benefit plans, provider
         contracts, fee groups, ad hoc reports, letter formats, sample letter
         content, business process workflow diagrams, and any other structural
         templates and other similar information provided by MPOWER, developed
         by or in conjunction with MPOWER, and used by MPOWER in assisting
         Customer in the installation, implementation or on-going use of the
         MPOWER Product, and methodologies related thereto ("Proprietary
         Information") are the exclusive property of MPOWER or MPOWER's
         suppliers and that the Proprietary Information is confidential, has
         tangible value and includes trade secret information of MPOWER and/or
         MPOWER's suppliers. MPOWER and/or MPOWER's suppliers shall retain all
         fights to the Proprietary Information, including all copyright rights
         therein, except to the extent to which MPOWER grants rights to Customer
         to use the Proprietary Information pursuant to this Agreement. Customer
         may not create Derivative Works based upon the Proprietary Information
         in whole or in part. All improvements, enhancements and modifications
         to the Proprietary Information shall be owned exclusively by MPOWER or
         MPOWER's suppliers. Without MPOWER's prior written consent, Customer
         shall not decompile, disassemble or reverse engineer any Proprietary
         Information.

         Customer agrees not to sell, lease, assign or otherwise transfer,
         disclose or make available, in whole or in part, any portion of the
         Proprietary Information or the terms of this Agreement and Customer
         shall prevent disclosure of any part of the Proprietary Information or
         the terms of this Agreement to any third party for any reason (except
         for disclosure or access to Customer's employees, contracted entities,
         external auditors, Federal or State agencies, or Customer's customers
         which is necessary for Customer to be able to use the Proprietary
         Information in accordance with this Agreement). Customer agrees to
         notify those employees, contracted entities, external auditors, Federal
         or State agencies or customers to whom Customer gives access to the
         Proprietary Information of the restrictions contained in this Section
         II and to ensure their compliance with such restrictions.

         The duties and obligations which are included in this Section II shall
         survive any termination of this Agreement and/or Customer's right and
         license to use any MPOWER Product.

         If Customer desires to disclose any Proprietary Information to any
         third party or to permit any third party to have access to any
         Proprietary Information, such third party must have a legitimate need
         to have access to such Proprietary Information (consistent with the
         purpose[s] for which such disclosure was made to Customer) and, prior
         to any such disclosure or access, Customer and such third party must
         enter into a nondisclosure agreement as attached herein. In no event
         shall Customer disclose any Proprietary Information to any competitor
         of MPOWER.

MPOWER MASTER AGREEMENT                                                   PAGE 6

<PAGE>   7

         Notwithstanding the above, Customer and MPOWER. acknowledge that the
         MPOWER Product structural definitions of any system setups, benefit
         plans, provider contracts, fee groups, ad hoc reports, letter formats,
         sample letter content, workflow diagrams of Customer business
         processes, and any other structural templates, that have been provided,
         developed, reviewed or verified in whole or in part by or with the
         support of MPOWER, its employees or agents, do not constitute
         Proprietary Information of Customer within the meaning of this Section
         II; provided, however, that specific provider and benefit contract
         rates, benefit plans, workflow diagrams of Customer business processes,
         the names, demographic information, contractual relationships, and
         medical information of any group, member, provider or other entity with
         a contractual relationship with Customer shall be considered
         Proprietary Information of Customer or of such other entity contracted
         with Customer, unless such information is available through public
         sources or through publicly available filings with any insurance or
         health care regulatory agency or with any industry accreditation or
         reporting body.

         Further notwithstanding the above, Customer and MPOWER acknowledge that
         Customer may create and distribute reports and data from its licensed
         use of the MPOWER Products in the normal course of its business to its
         customers, to health care providers, Enrollees, employers or Plan
         Sponsors, government agencies and others with a legitimate purpose in
         the conduct of the Customer's business and the data processed by the
         licensed MPOWER Products, and that such reports and distributed data do
         not constitute Derivative Works, unless they are used to create
         commercial software products for reuse and / or license to other
         parties.

         Customer "Confidential Information" shall mean this Agreement and any
         information of the Customer that is disclosed in any form or manner,
         whatsoever by Customer to MPOWER. MPOWER's licensed products, pricing
         and written documentation. Except for member/enrollee information,
         Confidential Information does not include any particular information
         which the recipient of such information can demonstrate: (a) was, at
         the time of disclosure to it, in the public domain; (b) after
         disclosure to it, is published or otherwise becomes part of the public
         domain through no fault of the recipient; (c) was received after
         disclosure to it from a third party who had lawful right to disclose
         such information to it. ALL CUSTOMER EMPLOYEE AND MEMBER/ENROLLEE
         INFORMATION, INCLUDING MEDICAL AND BILLING INFORMATION, IS CONFIDENTIAL
         INFORMATION, AND THE FOREGOING EXCLUSIONS SHALL NOT APPLY TO SUCH
         INFORMATION.

         Notwithstanding anything herein to the contrary, in the event Customer
         requests MPOWER to develop a module that is separate from MPOWER's
         application and provided that such development is agreed to in advance
         in writing with MPOWER as a designated "Proprietary Methodist Care
         Module" and Customer funds substantially all of the development costs
         for the module, MPOWER will develop such a mutually agreed to module
         for Customer. If MPOWER desires to market to or utilize this
         "Proprietary MethodistCare Module" for any other Customer(s), MPOWER
         will pay Customer on an annual basis 10% of all revenues

MPOWER MASTER AGREEMENT                                                   PAGE 7

<PAGE>   8

         associated with the Proprietary MethodistCare Module. These payments
         will be made until Customer has recouped 100% of its associated
         development costs.

III.     COPYING

         Customer, for each licensed instance of the MPOWER Product being used
         in a Live Production Environment, may make one (I) copy of each MPOWER
         Product in machine-readable form in a test region for the purpose of
         testing new releases or fixes and also one (1) copy of each MPOWER
         Product in machine-readable form for backup purposes only. Customer
         agrees that upon copying any MPOWER Product, Customer shall place a
         label on the outside of each copy medium showing the program name,
         version number and any/all copyright and proprietary notices in the
         same form as contained on the original copy.

         In addition, Customer may make automated backup copies of its
         production and testing regions for operational backup purposes without
         applying the above labels, provided that such operational backup copies
         are maintained with the acceptable industry standard security measures
         and not made available to outside parties except for the case of
         disaster recovery purposes, in which case the disaster recovery agent
         will be bound to all the confidentiality and Proprietary Information
         restrictions to which Customer is bound hereunder, and further that no
         such disaster recovery agent may be a competitor of MPOWER.

IV.      SOURCE CODE ESCROW

         At the request of Customer, MPOWER and Customer will enter into an
         agreement with MPOWER's escrow agent ("Custodian") for the depositing
         of the MPOWER Products' Source Code ("Source Code Copy"). [The current
         Custodian is NORWEST Bank.] MPOWER shall notify Customer at least ten
         (10) business days prior to a change in the entity identified as the
         Custodian. Subject to Customer's payment of all fees due under this
         Agreement in accordance with the applicable payment terms and
         Customer's payment of all fees related to Custodian's administration of
         said escrow (the current rate as of the date of this Agreement being
         One Thousand Five Hundred ($1,500.00) Dollars per annum), the Source
         Code Copy so deposited will be maintained during the period Customer
         shall use and purchase, and MPOWER shall provide, software, are
         maintenance services for the particular MPOWER Product. The Source Code
         Copy will be updated by MPOWER within thirty (30) days after each new
         Release of the particular MPOWER Product.

         The parties agree that the Source Code Copy shall be held by the
         Custodian for delivery to Customer under the conditions that this
         Agreement is terminated as a result of a material breach of the terms
         of this Agreement by MPOWER, MPOWER files for bankruptcy under Chapter
         7, or its business is not continued by virtue of a merger,
         consolidation, the sale of

MPOWER MASTER AGREEMENT                                                   PAGE 8

<PAGE>   9

         all or substantially all of its assets, or through some other
         transaction by another corporation or entity, and the Custodian of the
         Source Code has received from Customer or from MPOWER, or from a court
         of competent jurisdiction: (i) written notification of any such event
         or condition; (ii) demand that a copy of the Source Code Copy be mailed
         to Customer; (iii) written undertaking from Customer, which shall be
         legally binding, that the copy of the Source Code Copy to be supplied
         to Customer will be licensed to Customer as a Perpetual Source Code
         License for internal Customer use only; and (iv) specific instructions
         from Customer for the delivery of a copy of the Source Code Copy, with
         a copy of such instructions to MPOWER. Customer has the right to use
         the MPOWER Perpetual Source Code License indefinitely and to modify
         Source Code to meet future business needs. Customer will pay the costs
         and expenses of the Custodian in carrying out the requirements of this
         Section IV.

         Source Code Escrow Agreement. Upon receipt of all applicable fees from
         Customer associated with said escrow, MPOWER acknowledges that it shall
         deliver to Norwest Bank, an escrow agent (the "Escrow Agent") the
         Source Code for MPOWER Release. During the term of the license for the
         MPOWER Release granted in this Agreement, MPOWER shall deliver to the
         Escrow Agent all modifications of the said Source Code so as to ensure
         that the Source Code in possession of the Escrow Agent represents at
         all times the most current version of MPOWER Release being operated by
         Customer.

         In addition, if Customer uses the MPOWER Product Source Code, it will
         only be for the purposes for which the Object Code is licensed under
         this Agreement and not for re-license, reverse engineering or to create
         a derivative product. The Confidential and Proprietary Information
         provisions of Section II apply also to the Source Code.

V.       TERM AND TERMINATION

         This Agreement is valid for an initial period of five (5) years from
         the Effective Date. After the initial period this Agreement will renew
         annually for one (1) year terms unless Customer provides ninety (90)
         days prior notice of its intent not to renew.

         Should Customer fail to pay may sum due and payable under this
         Agreement, MPOWER shall notify Customer in writing of such failure to
         pay. Customer shall then have thirty (30) days from the delivery of
         MPOWER's written notice to pay such amount(s). The foregoing sentence
         in no way relieves Customer from its obligation to pay any and all late
         charges which may become due as set forth in Section VI below. If
         payment is not made within such thirty (30) days, MPOWER shall have the
         immediate right to discontinue any and all services under this
         Agreement. Furthermore, if payment is not made within sixty (60) days
         from the delivery of MPOWER's written notice, MPOWER shall have the
         immediate right to terminate this Agreement.

         Should either party commit a material breach of its obligations under
         this Agreement, other than failing to pay money, the non-breaching
         party may notify the breaching party in

MPOWER MASTER AGREEMENT                                                   PAGE 9

<PAGE>   10

         writing, setting out the breach, and the breaching party shall have
         thirty (30) days to remedy such breach. If the breaching party fails to
         remedy the breach during this thirty (30) day period, or, with respect
         to those breaches which cannot reasonably be remedied within thirty
         (30) days, if the breaching party fails to proceed promptly after being
         given such notice to commence remedying the breach and thereafter to
         proceed to remedy the same, the other party shall have the right to
         terminate this Agreement, provided such party gives the breaching party
         thirty (30) days' prior written notice to that effect. Notwithstanding
         the foregoing, either party shall have the fight to immediately
         terminate this Agreement upon any breach by the other of its
         obligations under Section II above.

         Termination of this Agreement shall be without prejudice to all accrued
         rights and remedies either party may have and shall not affect any
         continuing rights and obligations of the parties under this Agreement.

         Upon the termination of this Agreement and/or any Attachment to this
         Agreement, Customer shall return to MPOWER all Proprietary Information
         regarding the MPOWER Product whose license is being terminated, within
         sixty (60) days after such termination and MPOWER shall return to
         Customer any proprietary information obtained in the performance of
         this Agreement within sixty (60) days after such termination.

VI.      INVOICES AND CHARGES

         Unless a specific payment date is set out in an Attachment to this
         Agreement, Customer agrees to remit all payments under this Agreement
         so that MPOWER shall receive such payments no later than thirty (30)
         days from the date of receipt of MPOWER's invoice. Customer also agrees
         that MPOWER shall have the right to charge interest of one and one-half
         percent (1.5%) of the outstanding balance per month, or the highest
         amount allowed by law, whichever is less, on any and all late payments,
         and Customer agrees to pay such charges. All prices mentioned in this
         Agreement are in U.S. Dollars. The parties agree that the prices set
         out in this Agreement do not include any sales, use or gross receipts
         taxes, any duties, any similar assessments, or any other tax imposed on
         any party by virtue of this Agreement, all of which, excluding only
         taxes based on MPOWER's income, shall be the sole liability of, and
         shall be paid solely by, Customer.

VII.     FORCE MAJEURE

         Neither party shall be liable to the other for failing to fulfill any
         obligation under this Agreement if such failure is caused by an event
         which is beyond such party's reasonable control and which is not caused
         by such party's fault or negligence, including without limitation, acts
         of God, acts of war, rites, strikes, lightning, floods, epidemics,
         civil unrest, power shortages, equipment failure, delays in
         transportation, or either party's inability to

MPOWER MASTER AGREEMENT                                                  PAGE 10

<PAGE>   11

         obtain necessary labor, material or components due to causes beyond
         such party's reasonable control.

VIII.    CUSTOMER RESPONSIBILITIES

         A.    Customer Responsibilities

         Customer acknowledges that MPOWER(R) reflects certain interdependent
         relationships, such as exist among the data variables, logic rules and
         system functions of MPOWER(R). Customer further acknowledges that it is
         required and has a .responsibility to understand such data variables,
         logic rules and system functions, and their interdependent
         relationships, and to define for its own purposes such data variables,
         logic rules and system functions to MPOWER(R) in such a way that
         MPOW'ER(R) will provide the functionality desired by Customer. Customer
         acknowledges that it has or will hire and will maintain on its staff
         personnel who are able to understand and define such data variables,
         logic rules, system functions and interdependent relationships.
         Customer further acknowledges that, even though MPOWER may assist
         Customer personnel in performing these tasks, the responsibility for
         the effective definition and maintenance of these data variables, logic
         rules and system functions resides with Customer and not with MPOWER,
         unless Customer specifically requests MPOWER to perform these tasks at
         agreed upon rates specified in a Work Order.

         B.    Customer Data

         Customer shall be responsible for inputting and ensuring the accuracy,
         validity and completeness of all data variables, logic rules, system
         functions and Customer data, including but not limited to group,
         subscriber, member, provider, utilization, encounter, claims,
         capitation, fund accounting, billing, collection, broker, benefits,
         product contract, provider contract, provider fees, standard business
         measures, and other similar or related data. Customer shall also be
         responsible for inputting and ensuring, the accuracy, validity and
         completeness of all user-defined report definitions, all report and
         batch production job specifications and priority scheduling criteria.
         Customer shall also be responsible for initiating, monitoring,
         operating, printing and ensuring the accuracy, validity, and
         completeness of all print outputs and file downloads, such as but not
         limited to all reports, premium bills, checks, and the like,
         determining how many and on what print stock such outputs are to be
         printed or into which files or programs on Customer-controlled
         computers such files are to be downloaded and manipulated, at
         Customer's own initiative, responsibility and risk. Customer hereby
         acknowledges 'responsibility for generally

MPOWER MASTER AGREEMENT                                                  PAGE 11

<PAGE>   12

         controlling all aspects related to the production, distribution and
         control of such outputs. Customer further acknowledges that,
         notwithstanding the responsibility of MPOWER to have used due care and
         diligence in the design, programming, documentation and operation of
         the System, the accuracy of Customer's data base within MPOWER(R) and
         the accuracy of the several outputs of the MPOWER(R), including but not
         limited to, outputs that control the billing, receipt or expenditure of
         monies, will be dependent on the accuracy and use of the data
         variables, logic rules, system functions and Customer data input into
         MPOWER(R) by Customer and verified by Customer.

         C.    Other Customer Obligations

         In addition to its other obligations hereunder, Customer will on a
         timely basis:

               1. Communicate on a timely basis any significant changes in
                  general business operations or priorities, within 90 days from
                  such a change, which relate to MPOWER support of Customer.
                  Customer recognizes that changes in such priorities may result
                  in additional fees hereunder for additional staff, as
                  incremental support, or reordering of other priorities to
                  provide MPOWER services within the current fee structure.

              2.  Cooperate with MPOWER by, among other things, making
                  available, as reasonably requested by MPOWER, management
                  decisions, information, approvals, and acceptances in order
                  that MPOWER may properly accomplish its obligations and
                  responsibilities hereunder.

              3.  Carefully inspect and review all MPOWER generated reports and
                  other output and notify MPOWER of any incorrect reports or
                  output.

              4.  Personalize, maintain, reproduce and' distribute (solely for
                  Customer's internal use) procedure manuals and documentation
                  used by Customer personnel in connection with the M. POWER
                  services hereunder.

              5.  Train applicable Customer personnel to properly prepare input
                  for and to effectively utilize output from the systems
                  operated by MPOWER hereunder.

              6.  Pay all costs of acquisition, installation, use and
                  maintenance of equipment at Customer's site, as required for
                  the performance of MPOWER services.

              7. Such other responsibilities as set forth herein.

         Customer agrees that to the extent its failure to meet its obligations
         set forth in this Section VIII affects the ability of M_POWER to
         perform MPOWER's obligations under this Agreement, M_POWER shall be
         relieved of such obligations and Customer shall not exert against
         MPOWER any claims or liabilities arising out of such failure by
         Customer.

MPOWER MASTER AGREEMENT                                                  PAGE 12

<PAGE>   13

         D.  Reprocessing or Reconstructing of Data

         During any period of use of MPOWER(R), to the extent that any Customer
         data must be corrected, recreated, restored or reprocessed due to the
         fault or negligence of Customer, its employees or agents, or by a
         breach by Customer of any of its obligations hereunder, MPOWER will do
         so, and in such event Customer shall pay MPOWER at the service fee
         rates outlined in an applicable Work Order and reimburse MPOWER for any
         reasonable direct costs incurred by M_POWER in correcting, recreating,
         restoring or reprocessing such data or in providing assistance
         therewith.

IX.      LIMITATION OF LIABILITY

         PARTIES AGREE THAT THEY SHALL HAVE NO LIABILITY TO THE OTHER FOR
         INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE
         POSSIBILITY OF SUCH DAMAGES, OR FOR LOSS OF USE OR OTHER COMMERCIAL
         LOSS (INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUES AND/OR PROFITS),
         HOWEVER OCCASIONED AND WHATEVER THE FORM OF ACTION, FOR ACTUAL OR
         IMPUTED NEGLIGENCE, BREACH OF CONTRACT, BREACH OF WARRANTY OR
         OTHERWISE.

         FURTHERMORE, PARTIES AGREE THAT IN NO EVENT SHALL TIKE OTHER BE LIABLE
         FOR DIRECT DAMAGES IN EXCESS OF:

         A.       ALL LICENSE AND MAINTENANCE FEES CUSTOMER SHALL HAVE
                  PAID MPOWER FOR THE PARTICULAR MPOWER PRODUCT WHICH IS
                  THE SUBJECT OF CLAIM.

         The parties agree that no action, regardless of form, which may arise
         out of the transactions under this Agreement may be brought by either
         party more than one (1) year after the cause of action is known, or
         ought reasonably to have been known, to the party bringing the action.

X.       INFRINGEMENT

         MPOWER agrees to defend, indemnify and hold Customer harmless against
         any and all claims that any MPOWER Product infringes a U.S. Letter
         Patent, copyright, trade secret or the proprietary rights of others,
         provided that MPOWER shall have received timely written notice of any
         such claim and that MPOWER shall have sole control of the defense of
         such claim and all negotiations for the settlement or compromise of
         such claim.

MPOWER MASTER AGREEMENT                                                  PAGE 13

<PAGE>   14

         As of the date first written above, MPOWER warrants that it is not
         aware of any infringement, and has not been notified by any third party
         that it may be infringing, any U. S. Letter Patent, copyright, trade
         secret or the proprietary rights of others.

         If use of an MPOWER Product by Customer is enjoined, or becomes, or, in
         MPOWER's sole opinion, is likely to become, the subject of a claim of
         infringement, MPOWER will, at its option and expense, either:

         1.    procure for Customer the right to continue using the MPOWER
               Product in question; or

         2.    replace or modify the same so that it is functionally equivalent
               [i.e. the MPOWER Product will achieve the same or similar
               business logic result] (or contains more functionality) and is
               non-infringing.

         Notwithstanding the foregoing, if MPOWER determines that neither of the
         alternatives set forth above is reasonably available, MPOWER will
         refund to Customer any un-amortized portion of the infringing MPOWER
         Product's license fee which has then been paid by Customer.
         Amortization shall be based upon a seven (7)-year life of the
         infringing MPOWER Product, beginning on the date the infringing MPOWER
         Product was licensed by Customer from MPOWER. Should such refund occur,
         Customer agrees to return the infringing MPOWER Product to MPOWER.

         Should any refund described above occur, the license for the infringing
         MPOWER Product shall be terminated and MPOWER, its affiliates,
         subsidiaries, assigns and successor corporations shall be released from
         any and all liability arising from any and all claims, losses,
         liabilities, damages, costs or deficiencies which are then-existing or
         which may arise in the future with regard to such infringing MPOWER
         Product(s) for which MPOWER has refunded fees pursuant to this Section
         X.

         Notwithstanding anything contained herein to the contrary, MPOWER shall
         have no liability for any loss, cost, claim or expense caused by:

         1.    alteration of any MPOWER Product provided hereunder by any party
               other than MPOWER;

         2.    any loss, expense or liability resulting from any infringement
               which is a consequence of MPOWER's compliance with designs or
               code submitted to MPOWER by Customer;

         3.    the use of any MPOWER Product in combination with products not
               licensed to customer by MPOWER;

MPOWER MASTER AGREEMENT                                                 PAGE  14

<PAGE>   15

         4.    continuation of the allegedly infringing activity by Customer
               after Customer is notified in writing thereof and after the
               conclusion of a reasonable grace period afforded Customer in the
               notice to migrate from the infringing activity to an alternate
               solution; or

         5.    Customer's use of an MPOWER Product other than in compliance with
               the terms and conditions of this Agreement.

         Notwithstanding the foregoing, MPOWER shall not be obligated to defend,
         indemnify or hold Customer harmless from and against any claim, suit
         proceeding or allegation asserted by a parent, subsidiary or affiliate
         of Customer.

         The foregoing remedy set forth in this Section X represents the
         exclusive remedy of Customer and MPOWER's sole liability with regard to
         any claim that an MPOWER Product infringes the rights of others.

XI.      RESOLUTION OF DISPUTES

         If any dispute shall arise between the parties under this Agreement,
         the parties shall make every effort to amicably resolve the dispute
         pursuant to this Section XI. The following procedures shall be adhered
         to in order to expeditiously resolve any disputes arising during the
         term of this Agreement.

         The party invoking the procedures of this Section XI shall provide
         written notice to the other party and within five (5) business days
         following the other party's receipt of such notice, the parties'
         implementation team leaders shall attempt to resolve such dispute. If
         the parties' team leaders do not resolve such dispute within seven (7)
         business days following the date of the non-invoking party's receipt of
         notice hereunder, either party hereto shall have the fight to refer
         such dispute for "Executive Review" as provided below.

         "Executive Review" shall refer to the dispute resolution process which
         shall be conducted as follows: within fifteen (15) days of any party's
         request for Executive Review, each such party shall have designated an
         executive-level employee of such party and such designated executive
         shall have met, either in person or via telephone, with the other
         party's executive-level designee to attempt to resolve such dispute. If
         said executive- level designees are unable to resolve the dispute
         within ten (10) business days of their first telephone or in-person
         meeting pursuant to this paragraph, either party may request that the
         dispute be referred to a second level of Executive Review. Within ten
         (10) days of any party's request for such second level of Executive
         Review, the Chief Executive Officers of both parties hereto shall meet,
         in person or via telephone, to attempt to settle such dispute.
         Notwithstanding anything in this Agreement to the contrary, should
         either party feel the dispute cannot be amicably resolved after having
         negotiated in good faith to

MPOWER MASTER AGREEMENT                                                  PAGE 15

<PAGE>   16

         resolve such dispute pursuant to the foregoing provisions of this
         Section XI, such party shall have the right to terminate such
         negotiations. Nothing in this Section XI shall require either party to
         engage in negotiations to resolve a dispute for a period of more than
         forty-five (45) days.

XII.     SUCCESSORS AND ASSIGNS

         Assignment. Except as may be herein specifically provided to the
         contrary, this Agreement shall inure to the benefit of and be binding
         upon the parties hereto and their respective legal representatives,
         successors, and assigns; provided, however, that no assignment of this
         Agreement or the rights and obligations hereunder shall be valid
         without the specific written consent of both parties hereto.

         Notwithstanding anything herein to the contrary, both Customer and
         MPOWER shall have the right to (i) assign this Agreement and the rights
         and obligations hereunder to an entity that is controlled by, under
         common control with, or that controls Customer or MPOWER, where Control
         is defined as an entity which Customer has majority ownership of or is
         majority shareholder in or that is formed as the result of an internal
         restructuring of Customer and/or its affiliates. Any such assignment by
         Customer or MPOWER shall be effective without the need for any action
         on the part of any party ether than such assignment by Customer to be
         effective.

XIII.    OMNIBUS RECONCILIATION ACT COMPLIANCE

         As applicable under the Omnibus Reconciliation Act of 1980, until the
         expiration of four (4) years after the furnishing of services under
         this Agreement, MPOWER shall, upon receipt of written request, and if
         then required to make such information available under the
         then-existing law, make available to the Secretary of the United States
         Department of Health and Human Services ("Secretary"), the Comptroller
         General, or any of their duly authorized representatives; this
         Agreement, books, documents, and/or records of MPOWER that are
         necessary to certify the nature and extent of products and services
         delivered under tiffs Agreement and costs associated therewith.
         Furthermore, if MPOWER carries out any of the duties of tiffs Agreement
         through a subcontract with a value or cost of Ten Thousand Dollars
         ($10,000.00) or more over a twelve (12)-month period, such subcontract
         will contain a clause to the effect that, until the expiration of four
         (4) years after the furnishing of such services under such subcontract,
         the subcontractor shall, upon receipt of written request and if then
         required to make such information available under the then-existing
         law, make available to the Secretary, Comptroller General, or any of
         their duly authorized representatives, the subcontract, books,
         documents, and/or records of such subcontractor that are necessary to
         verify the nature and extent of such costs.

MPOWER MASTER AGREEMENT                                                  PAGE 16

<PAGE>   17

XIV.     RELATIONSHIP MANAGEMENT

         MPOWER and Customer agree to discuss business and relationship
         strategies affecting both parties, as is required to effectively manage
         the relationship between the parties. MPOWER and Customer further agree
         to have regularly scheduled communications to summarize current
         activities, performance results, error corrections and work efforts, as
         well as the future planned activities. During the term of this
         Agreement, each party will provide a liaison who (i) will have overall
         management responsibility for the performance by the party hereunder,
         (ii) will have primary operational responsibility, and (iii) will serve
         as the party's primary liaison with the other party with respect to
         performance under this Agreement.

XV.      MISCELLANEOUS

         A.    Invalidity. If any of the provisions, or portions thereof, of
               this Agreement are deemed to be invalid under any applicable
               statute or role of law, they are to that extent to be deemed
               omitted, and the parties agree to negotiate in good faith to
               bring such provisions, or portions thereof, into compliance.

         B.    Headings. The headings of Sections in this Agreement and in the
               Attachments are included for convenience only and shall not be
               considered by either party in construing the meaning of this
               Agreement or any Attachment.

         C.    Notices. Any notice given under this Agreement shall be in
               writing, sent by Certified .Mail, Return Receipt Requested or
               overnight courier such as FedEx or equivalent, and shall be
               deemed to be delivered upon receipt by the receiving party.

               All notices remitted to MPOWER shall be remitted to the attention
               of: Chief Executive Officer. All notices remitted to Customer
               shall be remitted to the attention of'. Michael Stock, CFO.

         D.    Waiver. Neither party shall be deemed to have waived any term or
               provision of this Agreement, nor consented to any breach of this
               Agreement, unless such party shall waive such term or provision,
               or shall consent to such breach, in writing. Any such written
               waiver and/or consent must be signed by the party which is
               waiving such term or provision or is consenting to a breach.
               Either party's consenting to a waiver, or a breach, by the other,
               whether express or implied, shall not constitute consent or
               waiver of any other different or subsequent breach by the other.

         E.    Governing Law. This Agreement and all Attachments hereto shall be
               governed by and construed according to the laws of the State of
               Texas and venue shall lie exclusively in Harris County, Texas.

MPOWER MASTER AGREEMENT                                                  PAGE 17

<PAGE>   18

         F.    Joint Venture. Nothing in this Agreement constitutes or shall be
               construed to be an agreement for Customer and MPOWER to share
               losses or, for any reason, to be a partner or joint-venturer with
               one another.

         G.    Entire Agreement. This Master Agreement, Attachment 1 and the
               Exhibits contain the entire agreement of the parties with respect
               to the subject matter covered by this Agreement. All provisions
               contained in the Master Agreement apply to Attachment I and the
               Exhibits. No other Agreement, attachment, statement, or promise
               made by either party, or an employee, officer, or agent of the
               party, which is not contained in this Agreement shall be binding
               or valid unless executed pursuant to Section XV(H) below.

         H.    Amendment. Any changes to this Agreement shall be in writing in
               the form of an amendment mutually agreed upon and duly executed
               by both parties.

         I.    Right To Purchase Source Code. MPOWER grants to Customer the
               right to purchase the Source Code for MPOWER. Products at any
               time in the future for set price of one million-two hundred
               fifty thousand dollars ($1,250,000 U.S.).

               (REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK.)

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 18

<PAGE>   19

XVI.     SIGNATURE PAGE

The parties have each read this Agreement and agree to be bound by all of its
provisions, and further agree that it constitutes the complete and exclusive
statement of the agreement between them with regard to the subject matter
referenced herein, and supersedes any and all prior agreements and
understandings between them pertaining to the subject matter of this Agreement
and takes precedence over the provisions of any purchase orders submitted to
MPOWER by Customer. This Agreement may be amended only in writing signed by
authorized representatives of both of the parties.

METHODIST CARE INC.                          MPOWER SOLUTIONS INC.
("METHODIST CARE")                           ("POWER")

/s/ M. JAMES HENDERSON                       /s/ MARK S. RANGELL
----------------------------                 --------------------------------
SIGNATURE                                    SIGNATURE

M. JAMES HENDERSON                           MARK S. RANGELL
----------------------------                 --------------------------------
NAME PRINTED                                 NAME PRINTED

President/CEO                                Senior Vice President
----------------------------                 --------------------------------
TITLE                                        TITLE

2/9/99                                       2/4/99
----------------------------                 --------------------------------
DATE                                         DATE

MPOWER MASTER AGREEMENT                                                  PAGE 19

<PAGE>   20

                                    METHODISTCARE
                           THE METHODIST HEALTH CARE SYSTEM

         THIRD-PARTY ACCESS, CONFIDENTIALITY AND NON-DISCLOSURE AGREEMENT

In consideration of access to MethodistCare and MPOWER information or computer
systems, I agree to the following:

         Access: I agree that MethodistCare and MPOWER will determine the
         appropriate level of access to MethodistCare and MPOWER computer
         systems, applications and information. Access will be based on my
         duties and responsibilities. If appropriate, I will be assigned a user
         identification label and will be asked to select a confidential
         password. It is my responsibility to safeguard this password and not
         share it with anyone. I agree to change my password periodically or as
         required by a specific computer system. As an authorized computer
         system user, I accept full responsibility for all actions performed
         using my password. If I suspect or detect someone using my password, it
         is my responsibility to both immediately change the password and notify
         the Director, MethodistCare Information Services.

         Purposes: I agree MethodistCare and MPOWER computer workstations,
         premises and property are to be used only for MethodistCare and MPOWER
         authorized purposes. Performing any unauthorized or inappropriate
         functions constitutes a serious security violation. I understand that
         periodic random audits may be conducted to detect violations. The
         Director of MethodistCare Information Services or Chief Financial
         Officer will be responsible for dealing with all security violations.

         Data Protection: I will take all necessary steps to protect
         MethodistCare and MPOWER data and information from destruction,
         inappropriate alteration or unauthorized access. This includes any
         confidential MethodistCare and MPOWER or Methodist Health Care System
         data and information. I agree that I am required to log off a
         MethodistCare and MPOWER computer workstation any time I leave the work
         area.

         Third Party Software: I agree not to copy or use MethodistCare and
         MPOWER licensed software in violation of any vendor license agreements
         or state/federal laws. Further, I agree not to remove any licensed
         software from or lead any unapproved software on MethodistCare and
         MPOWER computers or systems.

         Confidentiality: I agree that all medical, financial and personal
         information pertaining to membeRS, patients, physicians, providers,
         employer groups and employees is Confidential. I further agree that all
         financial, operational, proprietary or developmental information
         pertaining to MethodistCare and MPOWER, the Methodist Health Care
         System or third-party contractors is also Confidential. I agree not to
         release, use. recreate, distribute, discuss, destroy, alter, or derive
         benefit from any Confidential information without proper legal
         authorization. The MethodistCare Chief Financial Officer or designee
         will be responsible for chroming this provision.

         Indemnification: I agree that I will indemnify and hold harmless
         MethodistCare and MPOWER Methodist Health Care System and any related
         entities from and against all liability, demands, claims, damages,
         suits or judgments, including attorney's fees, costs and expenses
         incident thereto, for injury or damage to any person

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 20

<PAGE>   21

         or property, or loss caused by my negligent or intentional acts or
         omissions, including but not limited to, release of confidential
         information.

         Non-Disclosure: I agree not to sell, lease, assign, use or otherwise
         transfer, disclose or make available In any manner or form any
         MethodistCare and MPOWER Confidential information without proper legal
         authorization. I further agree to immediately return any MethodistCare
         and MPOWER information including confidential or proprietary
         information upon (1) request or (2) completion or termination of my
         services.

I have read, understand and as evidenced by my signature below agree to be bound
by the terms of this agreement. I further understand that the terms of this
agreement survive the termination of any relationship I have with MethodistCare
and MPOWER.

----------------------------                 --------------------------------
        Signature/Date                                  Witness/Date

MPOWER. MASTER AGREEMENT                                                 PAGE 21

<PAGE>   22
                                  ATTACHMENT 1

I.       DEFINITIONS

         Except as set forth in this Section I of this Attachment, all
         capitalized terms used in this Attachment shall have the same meaning
         as set forth in the Master Agreement.

A.       Master Agreement

         "Master Agreement" shall mean the agreement to which this Attachment 1
         is attached.

B.       Agreement

         "Agreement" shall mean the Master Agreement and all Addenda, Exhibits
         and Attachments thereto.

C.       MPOWER(R)

         "MOWER(R)" shall mean the software product marketed by MPOWER which is
         being licensed by Customer under this Attachment and the Master
         Agreement. The modules that are included in MPOWER(R) as of the date of
         this Attachment are listed in Exhibit F hereto.

II.      GRANT OF LICENSE

         In consideration of Customer's paying the Initial License Fee (as
         hereinafter defined) and, when due, the Maintenance Fee, in accordance
         with Section VIII of this Attachment, MPOWER grants Customer a
         fully-paid, non-exclusive, perpetual, royalty free and annually
         self-renewing license to operate a single, Object Code instance version
         of MPOWER(R) on a RS/6000 HA50 platform for a Live Production
         Environment for [*] lives ("Initial License).

         This license allows authorized users to engage in the following
         activities with respect to any MPOWER Release and Documentation:

         (a)      to use the MPOWER Release concurrently on authorized
                  computers;

         (b)      interface MPOWER Release with other programs used or
                  maintained by Customer;

         (c)      to make a reasonable number of back-up copies of MPOWER
                  Release on magnetic or optical media;

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 22
<PAGE>   23

         (d)      to copy and use MPOWER Release on a substitute computer or
                  computers if the authorized computers become inoperable;

         (e)      to use MPOWER Release at Customer's third party disaster site
                  on a computer other than the authorized computers (including
                  semi-annual testing at such site);

         (f)      to use MPOWER Release as otherwise provided in this Agreement;

         (g)      to relocate the authorized computers to any Controlled
                  Customer facility; and

         (h)      to make a reasonable number of copies of the documentation
                  related to the MPOWER Release.

         All of such rights are collectively referred to as the "License
         Rights."

         Customer may extend the license for such single, Object Code instance
         of MPOWER(R) ("License Extension(s)") for [*] lives by paying MPOWER
         the fees for additional lives defined in Section VIII below, and
         abiding by the terms therein stipulated, and by providing the number of
         such additional lives to MPOWER prior to Customer's first use of
         MPOWER(R) on behalf of such additional lives.

         Customer may copy MPOWER(R) and/or the Documentation as allowed under
         Section III of the Master Agreement. Furthermore, Customer may copy the
         Documentation in order to supply a copy of the Documentation to each
         end user of MPOWER(R) at each Site. Customer agrees that any and all
         copies of MPOWER(R) and/or the Documentation made by Customer shall
         include any/all copyright and proprietary notices in the same form as
         contained on the original copy. Except as allowed in Section III of the
         Master Agreement and this paragraph, Customer may not otherwise make
         copies of MPOWER(R) or the Documentation or any part thereof without
         the prior written consent of MPOWER. Customer agrees there shall be no
         other use of MPOWER(R) or the Documentation without the prior written
         consent of MPOWER except as allowed in Section II of the Master
         Agreement.

         In order to ensure that MPOWER(R) is being used in conformity with the
         license being granted under this Attachment, MPOWER shall have the
         right to conduct audits (either on-site or remotely, at MPOWER's
         option) of Customer's use of MPOWER(R) at periodic intervals. MPOWER
         agrees that any such on-site audit shall be scheduled in advance and at
         a time so as not to unduly interfere with Customer's business
         operations. Customer agrees that any audit revealing unauthorized use
         of MPOWER(R) will result in Customer's being liable for the payment of
         additional fees to MPOWER equal to MPOWER's fees as stated in Section
         VIII A of this Attachment.

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 23

<PAGE>   24

         Network and other Use. MPOWER acknowledges that the MPOWER Release will
         be operated in conjunction with, and as a component of the Customers
         network. As such, the MPOWER Release will be electronically linked to
         the software and equipment, with which it may interact, including
         interchanging data. The License Rights are deemed to include a license
         to use the MPOWER Release in conjunction with the Customer's network.
         Authorized Users may access the MPOWER Release through Customer's
         network, and that such access and use via Customer's network does not
         violate the License Rights.

III      DELIVERY AND MEDIA

         Promptly after the full execution of this Attachment, MPOWER will
         deliver to Customer:

         A. one (l) copy of the then-current Release of MPOWER(R) in Object Code
         form; and

         B. one (1) set of the the-current version of the Documentation in
         electronic form.

IV.      WARRANTY

         A. System Warranties

         Non-Infringement Warranty. MPOWER represents and warrants that as of
         the Effective Date the MPOWER Release's performance under this
         Agreement does not, and will continue not to, infringe, or constitute
         an infringement or misappropriation of, the intellectual property
         rights of any third party.

         Performance Warranty. MPOWER represents and warrants that MPOWER
         Release does, and shall continue to, meet or exceed the Functional
         Specifications, Technical Specifications and Performance Standards set
         forth in MPOWER's RFP responses, sales brochures and marketing
         materials which are incorporated herein and made a part of this
         Agreement. (the "Performance Warranty"). If MPOWER Release fails to
         meet any aspect of the Performance Warranty (irrespective of the
         severity of such failure) for any three consecutive months during the
         warranty period, then Customer shall have the right to terminate this
         Agreement pursuant. If MPOWER Release does not meet any aspect of the
         Performance Warranty after the expiration of the warranty period but
         while the Support and Maintenance Agreement is in effect, then MPOWER
         shall take whatever corrective actions as may be necessary (or as
         Customer may request) to have MPOWER Release meet the Performance
         Warranty, at Customer's sole cost and expense.

         PASS-THROUGH OF THIRD PARTY WARRANTIES. To the extent MPOWER may do so
         under

MPOWER MASTER AGREEMENT                                                  PAGE 24

<PAGE>   25

         agreement with Third Party software manufacturers or suppliers, M_POWER
         passes through to Customer all warranties for Third Party software. To
         the extent MPOWER may not pass such warranties through, MPOWER hereby
         makes to Customer the same Third Party software warranties as
         manufacturers or suppliers make to MPOWER.

         AS DOCUMENTED WARRANT,. During the warranty period, MPOWER warrants
         that MPOWER Release will operate in accordance with the Documentation,
         including Third Party software documentation (the "As Documented
         Warranty"). Upon receipt of notice from Customer of a breach of the
         As-Documented Warranty, MPOWER will correct the breach, in accordance
         with the corrective-maintenance provisions of the Support and
         Maintenance Agreement.

         PHYSICAL MEDIA WARRANTY. MPOWER warrants that MPOWER Release is and
         will be free from physical defects in each media that contains MPOWER
         Release (the "Physical media Warranty"); provided, however, (i) the
         Physical Media Warranty does not apply to defects discovered more than
         90 days after the date of installation of MPOWER Release by MPOWER; and
         (ii) Customer's sole remedy for breach of the Physical Media Warranty,
         to the exclusion of all other remedies, shall be replacement by MPOWER
         of any copy of MPOWER Release that does not comply with this warranty.

         B. YEAR 2000 WARRANTY.

         The MPOWER Release software shall be Millennium Compliant. As used in
         this Agreement, "Millennium Compliant" shall mean the ability of MPOWER
         Release software to perform the following functions: a) consistently
         handle date information before, during, and after January 1, 2000,
         including but not limited to accepting date input, providing data
         output, and accurately performing calculations in dates or portions of
         dates, and b) function accurately in accordance with Customer's
         requirements, without interruption before and after January 1, 2000,
         without any change in operations associated with the advent of the new
         century. In the event that Customer becomes aware that MPOWER(R) will
         not or does not process data containing any dates before, during, or
         after January 1, 2000, correctly, Customer shall immediately notify
         MPOWER of that fact and MPOWER agrees to correct or replace MPOWER(R)
         to eliminate such processing problem in accordance with MPOWER's
         standard policies, which are available upon request.

         Further, MPOWER agrees to provide on-site Year 2000 compliance testing
         during the implementation phase and pursuant to Customer's
         specifications and requirements.

         The foregoing is Customer's sole and exclusive remedy for breach of
         warranty. The warranty set forth above is made to and for Customer's
         benefit only. The warranty will apply only if no modification,
         alteration or addition has been made to MPOWER(R) by persons other than
         MPOWER or MPOWER's authorized representative.

MPOWER MASTER AGREEMENT                                                  PAGE 25

<PAGE>   26

         In no event will MPOWER be liable for any loss of profits, loss of use,
         business interruption, loss of data, cover of cover, or indirect,
         special, incidental, or consequential damages of any kind in connection
         with or arising out of the furnishing, performance or use of MPOWER(R),
         whether alleged as a breach of contract or tortious conduct, including
         negligence, even if MPOWER has been advised of the possibility of such
         damages. MPOWER's liability under this limited warranty for damages
         will not, in any event, exceed the fees paid by Customer to MPOWER for
         MPOWER(R).

         C.  SERVICE WARRANTIES.

         MPOWER represents and warrants that it will perform the services
         required under this Agreement in a professional manner with the utmost
         due diligence and good faith. In addition, MPOWER represents and
         warrants that it will initiate work on urgent issues within 1 hour of
         Customer's call for assistance, at any time. Generally, "urgent issues"
         involve substantial program failure or issues whose resolution is
         critical to Customer's data processing, clinical or business
         operations.

         Disclaimer of all Other Warranties and Representations. THE EXPRESS
         WARRANTIES AND REPRESENTATIONS SET FORTH IN THIS AGREEMENT ARE IN LIEU
         OF, AND CUSTOMER ACKNOWLEDGES THAT MPOWER DISCLAIMS, ANY AND ALL OTHER
         WARRANTIES, CONDITIONS, OR REPRESENTATIONS (EXPRESS OF IMPLIED, ORAL
         OR WRITTEN), WITH RESPECT TO THE SYSTEM OR ANY COMPONENT THEREOF,
         INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
         PURPOSE.

         D.  NON-INFRINGEMENT INDEMNITY.

         Covenant to Defend and Indemnify. As a covenant separate from the
         representation and warranty of non-infringement contained in Section
         entitled Non-Infringement Warranty, MPOWER will defend, hold harmless
         and indemnify Customer from any and all Claims brought against Customer
         by any third party arising from or related to Customer's use of MPOWER
         Release or MPOWER's Services subject to Section VIII, Customer
         Responsibilities provision as established herein and to Limitations of
         Liability as established in Section IX of the Master Agreement.

MPOWER MASTER AGREEMENT                                                  PAGE 26

<PAGE>   27

         CONDITIONS FOR MPOWER'S DEFENSE. If a third party asserts an
         infringement claim: (i) Customer shall promptly advise MPOWER of the
         existence of the claim within 30 days of receipt of a written statement
         of the claim against Customer (whether or not litigation or any such
         action has occurred); (ii) MPOWER shall have the sole right to control
         the defense and/or settlement of all such claims, in litigation or
         otherwise; provided, however, that (A) any settlement does not
         adversely affect Customer's ability to exercise the License Rights or
         obligates Customer in any way to the third party without Customer's
         prior written consent; and (B) MPOWER can demonstrate, upon Customer's
         request, MPOWER's financial ability to defend and indemnify Customer.
         Customer shall have the right, at Customers expense, to engage separate
         legal counsel to monitor and advise Customer regarding such defense.
         Any delay in notifying MPOWER of a claim as set forth in this Section
         shall not relieve MPOWER of its indemnity obligations hereunder, unless
         such delay materially prejudices MPOWER.

         MPOWER'S RIGHT TO CURE. If MPOWER Release is found to infringe any
         third party intellectual property right, at MPOWER's sole discretion
         and expense, MPOWER may:

         (1) obtain a license from such third party for Customer's benefit; or
         (2) replace or modify the MPOWER so that it is no longer infringing.

         INFRINGEMENT INJUNCTIONS OBTAINED BY THIRD PARTIES. If a third party
         infringement claim is sustained in a final judgment from which no
         further appeal is taken or possible, and which enjoins Customer from
         continued use of MPOWER Release or portions thereof, then MPOWER shall,
         at its sole expense: (i) procure for Customer (at MPOWER's expense) the
         right to continue to use MPOWER Release pursuant to this Agreement,
         including all License Rights; or (ii) replace or modify M_POWER Release
         to make it non-infringing.

         CUSTOMER'S OPTION TO TERMINATE. If Customer is ordered by a court to
         cease use of MPOWER Release or of specific functions(s) of MPOWER
         Release, or if MPOWER's replacement or modification of MPOWER Release
         is not acceptable to Customer, then Customer will have the option to
         terminate this Agreement pursuant without opportunity to cure.

V.       SOFTWARE MAINTENANCE SERVICES

         In consideration of payment of the annual Maintenance Fee(s) set forth
         in Section VIII B of this Attachment, Customer agrees to purchase, and
         MPOWER agrees to provide Customer on an annually renewable basis with
         software maintenance services for MPOWER(R) as follows (provided
         Customer allows MPOWER, at MPOWER's request, dial-up access to
         MPOWER(R)):

MPOWER MASTER AGREEMENT                                                  PAGE 27

<PAGE>   28

         A.       any and all Releases regarding MPOWER(R) issued by MPOWER;

         B.       any and all updates to the Documentation issued by MPOWER; and

         C.       remote diagnostic support (including dial-up capabilities)
                  regarding MPOWER(R)to include error analysis and, where
                  possible, correction services, twenty-four (24) hours per day,
                  seven (7) days per week. Any on-site assistance which Customer
                  may request and which is provided by MPOWER, which, in
                  MPOWER's reasonable opinion, is not necessary to determine the
                  nature and resolution of any problems Customer may have with
                  MPOWER(R)shall be provided by MPOWER at its then-current
                  rates. If Customer notifies MPOWER that it suspects a material
                  error in the program logic of MPOWER(R)or in the
                  Documentation, MPOWER shall make all reasonable efforts to
                  confirm the existence of the error and correct it. If the
                  parties mutually determine that no such error exists, Customer
                  agrees to pay MPOWER for its services at MPOWER's hourly rates
                  then in effect and to reimburse MPOWER for any and all
                  reasonable travel and living expenses incurred by MPOWER in
                  rendering such services. MPOWER will use its Severity
                  Designations in effect from time to time to provide remote
                  diagnostic support. The current Severity Designations and
                  attendant response times are given in Exhibit G to this
                  Attachment.

         Notwithstanding the foregoing, should Customer be utilizing any Release
         of MPOWER(R) other than the then-most-recent Release, or the Release
         prior to the then-most-current Release, provided such Release has been
         available for Customer's use for a period of twelve (12) months or
         longer, MPOWER reserves the right, at its sole option, to terminate its
         obligations to provide maintenance services under this Section V at any
         time upon giving thirty (30) days' prior written notice to Customer. If
         such a condition exists, MPOWER and Customer agree to negotiate in good
         faith to define reasonable terms, conditions and fees for MPOWER to
         provide Customer with maintenance services for such then non-current
         Release.

         MPOWER's providing Customer with maintenance services as described in
         this Section V shall automatically continue, on an annual basis, unless
         either party shall give written notice to the other that it desires not
         to renew such maintenance services. The parties agree that such written
         notice shall be remitted for receipt by the other no less than ninety
         (90) days prior to the end of the then-current annual maintenance
         period.

VI.      IMPLEMENTATION AND CONVERSION SERVICES

MPOWER MASTER AGREEMENT                                                  PAGE 28

<PAGE>   29

         MPOWER agrees to provide implementation services ("Implementation
         Services") to assist Customer in implementing MPOWER(R) at the Site(s).
         These implementation services shall comprise: 1) analysis of the
         Site's(s') business requirements; 2) assistance in the user set up
         definitions and build; 3) testing of MPOWER(R) including Year 2000
         compliance testing requested by Customer; 4) pre/post activation
         support for end users; 5) up to eighty (80) hours of initial training
         services and 6) project management. MPOWER shall charge Customer as set
         out in Section VIII.C below for all such Implementation Services
         requested by Customer.

         MPOWER agrees to provide conversion services ("Conversion Services") to
         Customer to convert its current data files from its existing software
         system to the MPOWER(R) database. MPOWER shall charge Customer as set
         out in Section VIII.C below for all such Conversion Services requested
         by Customer.

         MPOWER reserves the fight to subcontract any Implementation Services
         responsibilities it may accept under this Agreement. Customer shall
         have the fight to approve MPOWER's subcontractors, which approval shall
         not be unreasonably withheld. If Customer objects to certain
         subcontractors for a stated good cause, MPOWER and Customer agree to
         seek a mutually agreeable resolution to Customer's objection.

VII.     TRAINING SERVICES

         MPOWER will provide up to eighty (80) hours of initial trainer services
         training within the scope of payment of initial Implementation Fees, as
         indicated in Section VIII.C of this Attachment. Initial training will
         focus on Customer's education of functionality contained within key
         subsystems of MPOWER(R) and will be inclusive of the following:

         o        Mapping of business rules to benefit plan templates;

         o        Establishment of workflow procedures and user-defined
                  variables;

         o        Use of standard and ad-hoc reporting systems; and

         o        Methods for maintenance of key information being stored in the
                  system.

         MPOWER will provide Customer under an appropriate Work Order, at
         MPOWER's then-current fees, with additional training sessions regarding
         MPOWER(R) to a reasonable number of Customer's personnel. All such
         training, including initial End User training, shall be conducted at
         location(s) elected by Customer at time(s) which are mutually
         acceptable to both parties. Current fees for additional training
         sessions are provided in Section VIII.F.

MPOWER MASTER AGREEMENT                                                PAGE   29

<PAGE>   30

VIII.    FEES

         A.       MPOWER(R) License Fees.

                  1. Fee for the Initial License.

                  Customer agrees to pay MPOWER a license fee ("Initial License
                  Fee") equal to two hundred five thousand Dollars $205,000 for
                  the master license granted in Section II of this Attachment
                  for 75,000 lives ("Initial License"). Customer agrees this
                  entire Initial License Fee is due to MPOWER on the full
                  execution of this Attachment and payable according to the
                  schedule shown in Exhibit C hereto.

                  2. Fees for License Extensions.

                  Customer may, during the term of this Agreement, provided
                  Customer is current with all Maintenance Fees, exercise an
                  incremental license or incremental licenses for additional
                  life volume growth by paying to MPOWER an additional license
                  fee ("License Extension Fee") as shown on Exhibit C hereto for
                  each such License Extension.

                  The Initial License Fee and the License Extension Fee(s) may
                  be referred to as the License Fee(s).

                  The License Extension Fees will be billed and paid in
                  accordance with the terms and conditions outlined in this
                  Agreement.

         B.       Annual Maintenance Fees.

                  Customer agrees to pay to MPOWER for the software maintenance
                  services described above a software maintenance fee
                  ("Maintenance Fee") equal to [*] percent ([*]%) of the
                  aggregate of the Initial License Fee and all License Fee
                  Extensions paid or payable by Customer to MPOWER.

                  The annual Maintenance Fee is due and payable as follows: the
                  first annual Maintenance Fee shall be due and payable upon the
                  earlier to occur of Final Acceptance or when Customer first
                  begins to use MPOWER(R) in a Live Production Environment.

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 30

<PAGE>   31

                  Each subsequent annual Maintenance Fee shall be billed and due
                  annually, based on the anniversary date of the first annual
                  Maintenance Fee due date. MPOWER will invoice Customer on an
                  annual basis for the maintenance fee. Customer agrees to pay
                  such invoices within thirty (30) days after Customer's receipt
                  of the invoice.

                  Maintenance Fees Payment Schedule is outlined in Exhibit D to
                  this Attachment.

         C.       Implementation Fees.

                  As outlined in Sections VI and VII above, MPOWER will provide
                  set-up, implementation, interface development and installation
                  services based upon the implementation requirement task list
                  and related hours outlined in Exhibit I hereto.

                  The Implementation Fee of $600,000 (six hundred thousand
                  dollars) will provide to Customer five-thousand five-hundred
                  and fifty five hours (5,555) of MPOWER professional staff
                  services for the services noted above and will be payable as
                  outlined in the schedule provided in Exhibit E. Such hours
                  will be accounted for and tracked via weekly time reporting to
                  Customer.

         D.       Travel and out of pocket expenses.

                  The fees set out above do not include travel and other
                  out-of-pocket expenses which may be incurred by MPOWER in the
                  course of delivering the products and services described in
                  this Attachment. MPOWER shall use all its reasonable efforts
                  to keep these travel and other out-of-pocket expenses to a
                  minimum. MPOWER will invoice Customer for MPOWER's travel and
                  out of pocket expenses on a monthly basis, as they are
                  incurred, and Customer agrees to pay such invoices within
                  thirty (30) days after receipt of the invoice.

         E.       Other Services

                  Customer may request and MPOWER may perform other services
                  ("Other Services") for Customer, which services shall be
                  described in a Work Order, which shall be considered an
                  addendum to this Agreement and covered under the terms of this
                  Agreement, unless stated otherwise in the applicable Work
                  Order. The List Service Fee rate in effect through calendar
                  year 1999 is [*] ($[*]) Dollars per hour.

         F.       Additional Training Sessions

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 31

<PAGE>   32

                  Customer may request and MPOWER may perform additional
                  training sessions beyond the scope of the aforementioned
                  initial End User training, as described in Section VII of this
                  Attachment. Additional training services shall be described in
                  a Work Order, which shall be considered an addendum to this
                  Agreement and covered under the terms of this Agreement,
                  unless stated otherwise in the applicable Work Order. The rate
                  in effect for additional training services through calendar
                  year 1999 is $[1000.00] per day Customer may include as many
                  of its personnel in such sessions as may reasonably be
                  accommodated within a classroom environment

IX.      THIRD PARTY PRODUCTS

         Customer has the option to utilize Third Party Products with MPOWER(R)
         as outlined in Exhibit B.

X.       ACCEPTANCE

         As soon as practicable after completion of preliminary testing,
         Customer shall begin using MPOWER(R) in a simulated processing
         environment using Customer's data. MPOWER(R) shall be deemed fully
         accepted ("Final Acceptance") upon the conclusion of any consecutive
         five (5) day period in which the MPOWER(R) functions in simulated
         processing mode based on a test plan which has been jointly agreed to
         by MPOWER and Customer. Customer shall execute a Certificate of
         Acceptance (Exhibit A), which shall be attached hereto and made a part
         of this Agreement. The date shown on the Certificate of Acceptance will
         be the beginning date of any warranty or maintenance periods provided
         for in this Agreement or any Exhibit hereto. Notwithstanding the above,
         MPOWER(R) shall be deemed fully accepted upon the earlier to occur of
         the date of the Certificate of Acceptance or the placement of MPOWER(R)
         in a Live Production Environment.

XI.      ADDITIONAL TERMS AND CONDITIONS

         In addition to the terms and conditions of this Attachment, the parties
         agree that all the terms and conditions of the Master Agreement shall
         also apply to Customer's use of MPOWER(R). Should any terms or
         conditions of this Attachment and the Master Agreement conflict, the
         terms and conditions of this Attachment shall take precedence. Should
         any terms or conditions of an applicable Work Order and this Attachment
         or the Master Agreement conflict, the terms and conditions of the
         applicable Work Order shall take precedence.

MPOWER MASTER AGREEMENT                                                  PAGE 32

<PAGE>   33

                                 Signature Page

The parties have each read this Attachment and agree to be bound by all of its
provisions. The parties further agree that this Attachment (including its
Exhibits) and the Master Agreement constitute the complete and exclusive
statement of the agreement between the parties regarding MPOWER(R) and
supersedes any and all prior agreements and understandings between them
pertaining to MPOWER(R) and takes precedence over the provisions of any purchase
orders submitted to MPOWER by Customer. This Attachment may be amended only in
writing signed by both parties.

CUSTOMER                                     MPOWER SOLUTIONS INC.

By: /s/ M. JAMES HENDERSON                   /s/ MARK S. RANGELL
----------------------------------           -----------------------------------
Signature of Authorized Signatory            Signature of Authorized Signatory

M. JAMES HENDERSON                           MARK S. RANGELL
----------------------------------           -----------------------------------
Name Printed                                 Name Printed

President/CEO                                Senior Vice President
----------------------------------           -----------------------------------
Title                                        TItle

2/9/99                                       2/4/99
----------------------------------           -----------------------------------
Date                                         Date

MPOWER MASTER AGREEMENT                                                  PAGE 33

<PAGE>   34

                                    EXHIBIT A

                           FINAL ACCEPTANCE CERTIFICATE

Customer hereby acknowledges and MPOWER Solutions, Inc. hereby accepts that
MPOWEP(R) has been accepted by Customer per the date noted below. This will be
the basis for the beginning of any warranty or maintenance periods provided for
in this Agreement or any Exhibit hereto.

Date of Final Acceptance______________

Accepted by Customer:                                Accepted by MPOWER:

CUSTOMER                                             MPOWER SOLUTIONS INC.

By:___________________________                       By:________________________

Name (Printed):_______________                       Name (Printed):____________

Title:________________________                       Title:_____________________

Date:_________________________                       Date:______________________

MPOWER MASTER AGREEMENT                                                  PAGE 34

<PAGE>   35

                                    EXHIBIT B

                            NOT CURRENTLY APPLICABLE.

MPOWER MASTER AGREEMENT                                                  PAGE 35

<PAGE>   36

                                    EXHIBIT C

         MPOWER(R) License Fee Payment Schedule for the License Fees. Refer to
Section VIII A of the Attachment for MPOWER license terms and conditions.

<TABLE>
<CAPTION>
         PAYMENT TRIGGERING EVENT           EXPECTED                   PERCENTAGE       AMOUNT
                                            TIMEFRAME                  DUE              DUE

<S>                                         <C>                        <C>              <C>
Contract Execution                          [ * ]                      [ * ]            [ * ]

Customer Installation                       [ * ]                      [ * ]            [ * ]

Completion of Acceptance Test / Go          [ * ]                      [ * ]            [ * ]
Live Date

Optional License Extension                   Based on a                [ * ]            Per
                                       Quarterly Review                                 Schedule
                                           and Audit of
                                     Customer's current
                                       Life Count as of
                                      the date Audit is
                                           performed by
                                                 MPOWER
</TABLE>

LICENSE EXTENSION FEE(S):

o         Increments of life volume above [ * ] initial lives:

[ * ] lives-[ * ] lives (increments of [ * ]) $[ * ] (each [ * ] lives)

[ * ] lives-[ * ] lives (increments of [ * ]) $[ * ] (each [ * ] lives)

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 36

<PAGE>   37

                                    EXHIBIT D

                  MPOWER Annual Maintenance Fee Payment Schedule.

MPOWER billing and Customer paying of Annual Maintenance Fees is outlined in
Section VIII B of the Attachment. Refer to Section VIII B for on-going and
MPOWER Annual Maintenance Fee terms and conditions. The Annual Maintenance Fee
is calculated by multiplying [*] by the current License Fee or if adjusting the
amount based on Quarterly Audits, will be calculated by prorating any current
year amount of Maintenance Fee Customer has paid to MPOWER as of the date of the
Audit by MPOWER and subtracting that amount from [*] of the newly adjusted
License Fee for the current quarter post-audit life count totals. The
Maintenance Fee is due the first year on the date Final Acceptance and "Go Live"
occurs. The Annual Maintenance Fee may be adjusted by MPOWER based on the
Quarterly Audits of Life Count as described in Exhibit C.

<TABLE>
<CAPTION>
PAYMENT                           ESTIMATED        PERCENTAGE DUE                ESTIMATED
TRIGGERING  EVENT                 TIMEFRAME        --------------                AMOUNT DUE
-----------------                 ---------                                      ----------

<S>                                 <C>              <C>                         <C>
Final Acceptance                      [*]            [*] of First Year Annual    [*]
or commencement                                      Maintenance Fee
of Live Production
Environment and
"Go Live Date"
("Acceptance")

First and                           Annually         [*] of Annual Maintenance   [*] of Total
Subsequent                          Thereafter       Fee                         License Fee
Anniversaries of
Acceptance
</TABLE>

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 37

<PAGE>   38

                                    EXHIBIT E

               MPOWER Initial Implementation Fee Payment Schedule

MPOWER billing and Customer payment of Implementation Fees are outlined in
     Section VIII C of the Attachment. Refer to Section VIII C. for Terms and
     Conditions.

<TABLE>
<CAPTION>
PAYMENT                    ESTIMATED        PERCENTAGE DUE                      ESTIMATED
TRIGGERING  EVENT          TIMEFRAME        --------------                      AMOUNT DUE
-----------------          ---------                                            ----------
<S>                        <C>                       <C>                        <C>
Commencement of            [*]                       [*]                          [*]
Setup Activities for
Initial
Implementation
Services
Customer                   [*]                       [*]                          [*]
Installation
Completion of              [*]                       [*]                          [*]
Acceptance Test and
Go Live Date
</TABLE>

* Confidential Treatment Requested

MPOWER MASTER AGREEMENT                                                  PAGE 38

<PAGE>   39

                                    EXHIBIT F

                           MODULES INCLUDED IN MPOWER(R)

         All modules are included by MPOWER and comprise MPOWER(R) as of the
         date of this Attachment:

         o        Set-ups

         o        Group Enrollment & Contracting
         o        Premium Billing & Accounts Receivable
         o        Member / Subscriber Enrollment

         o        Provider Contracting

         o        Capitation
         o        Claims Adjudication for UB92 / HCFA 1500 Claims'
         o        Certifications / Authorizations

         o        Customer Service
         o        Letter Generation

         o        Medicare Risk
         o        Medicaid Processing

         o        Ad Hoc Reporting

MPOWER MASTER AGREEMENT                                                  PAGE 39

<PAGE>   40

                                            EXHIBIT G

                           Severity Definitions and Resolution Process

o        SEVERITY 1.
         The problem causes complete loss of service in the production and
         staging environment and work cannot reasonably continue. The problem or
         defect has one or more of the following characteristics:

         [ ]   Data corruption. Physical or logical data is unavailable or
               incorrect. Examples: Block format corruption, invalid indices,
               corruption of meta-data, incorrect results.

         [ ]   Critical functionality is not available.

         [ ]   System hangs. The process hangs indefinitely or there is severe
               performance degradation, causing unreasonable waits for resources
               or response, as if the system is hanging.

         [ ]   The entire MPOWER application crashes repeatedly.

         [ ]   Database process or background processes fall and continue to
               fail after restart attempts.

         [ ]   Potential for above occurrences is defined imminent.

         RESOLUTION OF SEVERITY 1: Until the issue is resolved MPOWER Solutions
         will work on Severity 1 around the clock (7x24). As a result of the
         severity, the customer must provide MPOWER with a point of contact
         during the 7x24 period. The customer's point of contact will assist the
         MPOWER customer support and development staff in gathering data,
         testing fixes in the customer's testing region, and applying fixes to
         the customer production environment.

o        SEVERITY 2:
         Problem or product defect causes a severe impact on the customer's
         business regardless of customer environment. No workaround is
         available, however operations can continue in a restricted fashion. The
         problem or defect has one or more of the following characteristics:

         [ ]   Business Impact Examples: The customer can handle current volume,
               but will not be able to handle quarter close; At close, customer
               finds totals wrong, but close is not for a few weeks.

         [ ]   Internal software error, causing the application to fall to run
               to completion, or return wrong results, or software error
               severely degrades performance.

         [ ]   Some important functionality is unavailable, yet the system can
               continue to operate in a restricted fashion.

         [ ]   Potential for above occurrences is defined imminent.

MPOWER MASTER AGREEMENT                                                  PAGE 40

<PAGE>   41

         RESOLUTION OF SEVERITY 2: MPOWER Solutions will work on Severity 2 bug
         based on customer assigned priority. Severity 2 fixes will be added in
         the next scheduled maintenance or patch release.

o        SEVERITY 3.
         Problem or product defect causes minimal impact on the Customer's
         business. The impact of the problem or defect is minor or an
         inconvenience, such as a manual bypass to restore product
         functionality. The problem or defect has one or more of the following
         characteristics:

         [ ]   A software error for which there is an acceptable workaround.

         [ ]   Software error minimally degrades performance.

         [ ]   Software error or incorrect behavior has minor impact the
               operation of the system.

         RESOLUTION OF SEVERITY 3: Fixes for severity 3 bugs will be added to
         the priority list for the next major scheduled release of the product.
         The order of priority for resolving severity 3 issues will be assigned
         jointly by the Customer and MPOWER.

o        SEVERITY 4.
         The problem or product defect causes NO impact on the Customer's
         business. The problem or defect is a minor error, incorrect behavior,
         or a documentation error that in no way impedes the operation of a
         system.

         RESOLUTION OF SEVERITY 4: Fixes for severity 4 bugs will be added to
         the priority list for the next major scheduled release of the product.
         The order of priority for resolving severity 4 issues will be assigned
         jointly by the Customer and MPOWER.

MPOWER MASTER AGREEMENT                                                  PAGE 41

<PAGE>   42

                                    EXHIBIT H

                            NOT CURRENTLY APPLICABLE.

MPOWER MASTER AGREEMENT                                                  PAGE 42

<PAGE>   43

                                    EXHIBIT I

                        Customer Functional Requirements

         SEE METHODIST CARE IMPLEMENTATION ATTACHMENT.

         MethodistCare Implementation Attachment will identify hours and
         associated costs related to development of "Proprietary MethodistCare
         Modules" for recovery as set forth in Section II of the Master
         Agreement.

                                                       [INIT]

MPOWER PLASTER AGREEMENT                                                 PAGE 43

<PAGE>   44

                           AMENDMENT NO. 1 TO
                           MASTER AGREEMENT

         This Amendment No. 1 (the "Amendment") to the parties' February 4, 1999
Master Agreement is 'entered into as of the date of the later signature below by
and between Xcare.net, a Delaware corporation with its principal office at 6400
S. Fiddler's Green Circle, Suite 540, Englewood, Colorado 80111 ("Xcare.net")
and Methodist Care, Inc., a Texas licensed health maintenance organization, with
its principal office at Two Greenway Plaza, Suite 500, Houston, Texas 77046
("Customer").

         WHEREAS, on February 4, 1999 Xcare.net (formerly "Mpower Solutions
Inc.") and Customer entered into a Master Agreement (the "Master Agreement");
and

         WHEREAS, the parties desire to amend the Master Agreement as set forth
herein.

         NOW, THEREFORE, for good and valuable consideration the receipt of
which is hereby acknowledged, the parties agree that the Master Agreement is
amended to include the following:

         1. For the duration of the Master Agreement and for a period of one
year after the service are completed, Client agrees not to employ or solicit the
employment of any Xcare.net personnel who performed services under the Master
Agreement. Customer agrees to pay Xcare.net an amount equal to the annual
compensation of such personnel for the one-year period immediately preceding any
hiring or solicitation of any such Xcare.net personnel. This payment by Customer
constitutes the parties' estimates of that portion of Xcare.net's damages for
which Customer should be responsible for such activity, and is not a penalty.
The parties agree that this estimate is reasonable under the circumstances
existing as of the date of this Agreement, including, without limitation, the
difficulty of computing such damages exactly.

         2. Except as expressly provided in this Amendment, the Master Agreement
shall remain unmodified and in full force and effect. In the event of any
inconsistency or conflict, the provisions of this Amendment shall control and
govern over the provisions of the Master Agreement.

METHODIST CARE, INC.                        XCARE.NET

By:                                         By: /s/ LORINE SWEENEY
   ---------------------------------           ---------------------------------
Print Name:                                 Print Name: LORINE SWEENEY
           -------------------------                   -------------------------
Title:                                      Title: PRESIDENT & CEO
      ------------------------------              ------------------------------
Date:                                       Date: 8/27/99
     -------------------------------             -------------------------------

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00001-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00001-of-00352.parquet"}]]