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                                                                  EXHIBIT 10.16

                      PARK EAST OFFICE BUILDINGS I AND II
                         3733 AND 3737 PARK EAST DRIVE
                                BEACHWOOD, OHIO

                                LEASE AGREEMENT

          This Lease Agreement ("Lease") entered into at Cleveland, Ohio as of
the 29th day of July, 1998, between PARK EAST REALTY CO., an Ohio corporation
(hereinafter called "Lessor"), and Insurquote/IAS, Inc., a Utah Corporation
(hereinafter called "Lessee").

                                  WITNESSETH:

    1.    Leased Premises. For the rent and term and upon the terms, conditions,
limitations and provisions hereinafter set forth, Lessor leases to Lessee and
Lessee leases from Lessor the premises described and identified in Exhibit A,
attached hereto and incorporated by reference herein (hereinafter called
"Leased Premises").

          This Lease is granted and accepted upon the terms, covenants and
conditions herein contained and each of the parties covenants and agrees to
keep, perform and observe all the terms, covenants and conditions herein
contained on its or his part to be kept, performed and observed.

    2.    Term. The term of this Lease shall be for Thirty-Six (36) months
commencing on the first day of January, 1999, and ending on the 31st day of
December, 2001, unless sooner terminated as hereinafter provided (the "Term").

    3.    Use and General Obligations of Lessee. Lessee shall use and occupy the
Leased Premises only for general office use specific to its business, which
from time to time may include repair and service of equipment and for no other
purposes. Except with respect to those obligations of Lessor undertaken
hereunder, Lessee shall keep said Leased Premises at all times in good order,
condition and repair, and shall also keep said Leased Premises in a clean,
sanitary and safe condition in accordance with the laws of the State of Ohio,
of the United States, of Cuyahoga County, Ohio, and of the City of Beachwood,
Ohio, and in accordance with all directions, rules and regulations of the
health office, fire marshal, building inspector or other proper officers of the
governmental agencies having jurisdiction over the Leased Premises, at the sole
cost and expense of Lessee, and Lessee shall comply with all requirements of
law, ordinance or otherwise, affecting said Leased Premises. Lessee shall pay
on demand for any extraordinary use of heat, air conditioning, electricity or
water because of any special needs or practices of Lessee. Lessee shall permit
no waste or nuisance upon or damage or injury to said Leased Premises or
utilities supplied thereto; and, at the expiration of the tenancy created
hereunder, Lessee shall surrender said Leased Premises in as good condition and
repair as they were at the time Lessee took possession, excepting reasonable
wear and tear, loss through fire or other insured casualty or act of God.
Lessee agrees that Lessee shall commit no act which will cause either Lessee or
Lessor to be in noncompliance with the zoning ordinances of the City of
Beachwood, Ohio.

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    4.    Rent. Lessee shall pay Lessor without demand as rent for the Leased
Premises an annual amount equal to the greater of (i) Four Hundred Seventy Two
Thousand Two Hundred Dollars ($472,200.00) hereinafter called "Base Rent" or
(ii) the Adjusted Rent as calculated from time to time pursuant to the
provisions set forth in Paragraph 6 of this Lease, whichever sum is greater for
the Term. Lessee shall pay Lessor Base Rent in consecutive monthly installments
of Thirty Nine Thousand Three Hundred Fifty Dollars ($39,350.00) each payable
in advance, without deduction or set off, in the legal tender of the United
States of America, on the first day of each and every calendar month during said
Term commencing January 1, 1999, at the offices of Calabrese, Racek Management,
Inc., 1110 Euclid Avenue, Suite 300, Cleveland, Ohio 44115, or at such other
place as Lessor may from time to time in writing designate. Lessee shall pay
Lessor adjusted rent at the times specified in paragraph 6 of this Lease. Rent
and all other charges hereunder not paid by Lessee when due shall bear interest
at the rate of twelve percent (12%) per annum thereafter until paid commencing
fifteen (15) days after receipt of written notice from Lessor to Lessee.

    5.    Definitions. As used in this Lease, the following terms shall have the
following respective meanings:

          (a) "Base Year" - The full calendar year commencing January 1, 1999,
          and ending December 31, 1999.

          (b) "Buildings" - Park East Office Buildings I and II, 3733 and 3737
          Park East Drive, Beachwood, Ohio. "Building" - The Building in which
          the Leased Premises is situated as set forth in Exhibit A to this
          Lease.

          (c) "Comparison Year" - The first full calendar year following the
          Base Year and each subsequent full calendar year, or fraction thereof
          at the termination of this Lease, during which this Lease shall
          continue in effect.

          (d) "Lessee's Share" - The percentage which the rentable area of said
          Leased Premises is of the total rentable area of the Buildings, which
          percentage is agreed upon by Lessor and Lessee as being Thirty Nine
          Point Ninety Two percent (39.92%). In the event that additional areas
          shall be included under this Lease, said agreed percentage shall be
          proportionately increased.

          (e) "Operating Expenses" - Those expenses incurred during the year,
          whether the Base Year or a Comparison Year, in respect of the
          operation and maintenance of the Buildings, including without
          limitations landscaping, grounds, driveways, sidewalks and outside
          parking areas contiguous to the Buildings, in accordance with
          accepted principles of sound management and accounting practices as
          applied to the operation and maintenance of first-class office
          Buildings, and including without limitation thereof, cost of
          insurance, materials and supplies, labor, electricity,
          air-conditioning, repairs and maintenance, window washing,
          management, rubbish removal and other services. Notwithstanding the
          foregoing, Operating Expenses but shall not include:

                  (i) expenses for painting, redecorating, or other work
                  performed for other tenants' Leased Premises in the Buildings
                  other than painting, redecorating and other work which is
                  standard for the Buildings;

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                  (ii) expenses for repairs occasioned by fire, windstorm or
                  other insurable casualty;

                  (iii) expenses incurred in leasing or procuring new tenants
                  including lease commissions, advertising expenses and
                  expenses of renovating space for new tenants;

                  (iv) interest or amortization payment of any mortgages.

          (f) "Taxes" - The taxes and assessments, special or otherwise,
          including expenses incurred in connection with disputing or
          contesting the amount thereof, levied or assessed for the year in
          questions, by any federal, state, county or municipal government
          whether the Base Year or a Comparison Year, or a partial year, upon
          or with respect to the Buildings and the parcels of land upon which
          they are located.

    6.    Adjusted Rent. In the event the amount of the Taxes and/or Operating
Expenses for any Comparison Year exceed those for the Base Year, the rent for
such Comparison Year shall be increased by an amount equal to Lessee's Share of
the net aggregate increase in the amount of Taxes and/or Operating Expense for
the Comparison Year over those for the Base Year (the "Adjusted Rent");
provided, however, that any increase in Operating Expenses incurred in a
Comparison Year resulting solely from the leasing to other tenants in the
Buildings of space which was not leased for the entire Base Year, rather than
resulting from an increase in costs, shall not be considered as part of
Operating Expenses in such Comparison Year. The Adjusted Rent for any
Comparison Year shall serve as an estimate of the Adjusted Rent to become due
for the next succeeding Comparison Year and this amount shall be paid in twelve
equal consecutive monthly installments during such next succeeding Comparison
Year. Any overpayments or underpayments of the Adjusted Rent for any Comparison
Year shall be settled and accounted for as soon as reasonably possible after
the close of such Comparison Year, and Lessor shall furnish Lessee a statement
showing such amount of overpayment or underpayment. For any fractional portion
of a calendar year at the termination of this Lease, any such overpayment or
underpayment shall be settled and accounted for in the same manner (including
the furnishing of a statement) as at the end of a Comparison Year, taking into
consideration, however, and properly adjusting for the fractional portion of
such calendar year.

          Lessor shall keep and make available to Lessee, for a period of sixty
(60) days after statements above referred to are rendered to Lessee, records in
reasonable detail of Taxes and Operating Expenses for the period covered by
such statement or statements and shall permit Lessee and the representatives of
Lessee to examine and audit such statements at any reasonable time during
business hours. If Lessee shall dispute any item or items included by Lessor in
determining Taxes or Operating Expenses for the Base Year or any Comparison
Year, and such dispute is not amicably settled between Lessor and Lessee within
thirty (30) days after such statement has been rendered, either party may,
during the twenty (20) days next following the expiration of said thirty (30)
day period, notify the other of the election to arbitrate said dispute and may
then refer such disputed item or items to a reputable firm of independent
certified public accountants selected by Lessor and Lessee for decision and the
decision of such firm shall be conclusive and binding upon Lessor and Lessee.
The expense involved in such determination shall be borne by the party against
whom a decision is rendered by said accountants, provided that if more than one
item is disputed and the decision shall be in part against each party, the

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expenses shall be fairly apportioned by said accountants. If Lessee shall not
dispute any item or items of any such statement within thirty (30) days after
such statement has been rendered, Lessee shall be deemed to have approved such
statement.

          Any overpayments or underpayments shall be payable upon
approval of the statement, upon settlement of the amount due in case of
disputes, or upon the decision of such firm of accountants in the case of
unsettled disputes, as the case may be, except, however, any overpayments by
Lessee shall be applied to rent or other charges due Lessor from Lessee.

    7.    Utilities and Services.

          (a) Provided Lessee is not in default under any of the covenants and
          agreements of this Lease, Lessor shall furnish Lessee the following
          services:

                  (i) cleaning, janitor and window washing services standard
                  (i.e., determined as to both quantity and quality solely by
                  Lessor) for the Building (Lessee may provide its own cleaning
                  and janitor services, in which case Lessee shall be entitled
                  to a reduction in rent equal to the sum Lessor would have
                  expended for such services if such services had been
                  furnished by Lessor to Lessee, based upon the same rate or
                  formula which Lessor then expends for similar services
                  furnished by Lessor to its other tenants in the Buildings.
                  However, such services shall be at Lessee's sole
                  responsibility and expense and shall always be subject to
                  supervision by Lessor);

                  (ii) heating, ventilating and air-conditioning services
                  during the term of this Lease and water, subject however to
                  all other terms and conditions hereof, all of which, together
                  with access to the Leased Premises, parking areas and common
                  areas and facilities of the Building shall be furnished to
                  Lessee twenty-four (24) hours per day, seven (7) days per
                  week, but Lessor shall be required to keep the parking areas
                  free from snow only between 8:00 A.M. and 6:00 P.M. on
                  weekdays and 8:00 A.M. to noon on Saturdays;

                  (iii) as long as Lessor provides electrical service in the
                  Building, Lessee shall obtain all such service used in said
                  Leased Premises from Lessor and shall pay Lessor therefore,
                  based on usage determined by sub-metering said Leased
                  Premises, at standard Building Rates. In no event shall the
                  rate charged Lessee herein be in excess of the then published
                  commercial rate. Upon not less than sixty (60) days prior
                  written notice to Lessee, Lessor may cease to provide
                  electrical service to said Leased Premises without liability
                  or responsibility to Lessee except to connect, within the
                  period of said notice, the electrical system of said Leased
                  Premises with another source of electrical service;
                  thereafter, Lessee shall pay the charges for such service
                  directly to the public utility, or municipal corporation
                  supplying the same, upon billings thereof. Any new or
                  additional electrical facilities in or servicing said Leased
                  Premises required by Lessee shall be installed, furnished,
                  maintained and made by Lessor at Lessee's expense. All
                  expense of maintenance and cleaning of fluorescent lighting
                  equipment located in said Leased Premises shall be borne by
                  Lessee; and all electricity used during cleaning service or
                  alterations and repairs in said Leased Premises shall be paid
                  for by Lessee.

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         (b)      Lessee covenants and agrees that:

                  (i) Lessee at all times shall cooperate fully with Lessor
                  with respect to, and shall observe all reasonable regulations
                  which Lessor may from time to time establish, for the proper
                  functioning, protection and control of Lessor's
                  air-conditioning equipment;

                  (ii) Lessor, through Lessor's agents and employees, at all
                  reasonable times shall have the right to enter said Leased
                  Premises and to have free access to Lessor's equipment and
                  the components thereof located on said Leased Premises for
                  the purpose of the repair, maintenance and preservation of
                  the same;

                  (iii) Lessee will not damage or abuse Lessor's equipment nor
                  permit the same to be done; and

                  (iv) neither Lessee nor Lessee's agents, employees or
                  invitees shall tamper with, or otherwise in any manner
                  adversely affect, the mechanical or electrical components of
                  said equipment, and any damage to the same caused by the
                  willful or negligent act or acts of Lessee or Lessee's
                  agents, employees or invitees shall be paid for by Lessee
                  promptly upon receipt of a statement of the amount thereof.

          (c)     Lessee shall pay Lessor's charges for water and sewer, gas,
          electrical and other services within fifteen (15) days after the
          rendering of each statement of account. The charge for water and
          sewer shall be "Lessee's Share" of total water and sewer charges, and
          gas charges shall be based on gas usage determined by sub-metering
          the Leased Premises of Lessee. The charge for water and sewer and gas
          shall be at the same rate as charged by the utilities providing same.
          Failure to pay either the rent reserved or any other charges
          hereunder when due shall entitle Lessor, upon not less than fifteen
          (15) days written notice, to discontinue furnishing water, electrical
          or other services to Lessee, and no such discontinuance of services
          shall be deemed an eviction or disturbance of Lessee's use of said
          Leased Premises, nor render Lessor liable to Lessee for damages, nor
          relieve Lessee from the performance of Lessee's covenants and
          agreements hereunder.

          (d)     Lessor shall keep and make available to Lessee, for a period
          of six (6) months after statements of account above referred to are
          rendered to Lessee, records of all water and utility charges for the
          period covered by such statements and shall permit Lessee and the
          representatives of Lessee to examine and audit such statements and
          charges at any reasonable time during business hours.

          (e)     Lessor, while not warranting that any of the Building's
          services stipulated in Paragraph 7(a) will be free from interruptions
          or suspensions caused by repairs, renewals, improvements, alterations,
          strikes, lockouts, accidents, inability of Lessor to procure such
          service, or to obtain fuel or supplies, or for other cause or causes
          beyond Lessor's reasonable control, will nevertheless diligently
          attempt to make such repairs or renewals to Building distribution
          lines and facilities as may be required to restore any such service so
          interrupted or suspended. An interruption or suspension of, or
          fluctuation in, any Building service (resulting from any of said cause
          or causes) shall never be deemed an eviction or disturbance of
          Lessee's use and possession of said Leased

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         Premises, or any part thereof, nor render Lessor liable to Lessee for
         damages unless due to Lessor's negligence nor relieve Lessee from
         performance of Lessee's covenants and agreements hereunder. In the
         event, as a result of the interruption of service, Lessee's premises
         are not tenantable for a period in excess of 30 days, then rent shall
         be abated until the condition is corrected.

8.       Reserved Rights of Lessor. Lessor reserves the following rights:

         (a)      to change the street address or name of the Buildings or the
         unit number of said Leased Premises or the arrangement or location of
         entrances, passageways, doors, doorways, corridors, stairs, toilets or
         other public parts of the Buildings without liability to Lessee;

         (b)      to designate all sources furnishing sign painting and
         lettering;

         (c)      to enter during the last ninety (90) days of the term,
         provided Lessee shall have removed substantially all of Lessee's
         property from said Leased Premises, for the purpose of altering,
         remodeling, repairing, renovating or otherwise preparing said Leased
         Premises for re-leasing;

         (d)      to grant anyone the exclusive privilege of conducting any
         particular business or activity in the Buildings;

         (e)      to enter said Leased Premises at all reasonable times, with
         prior notification to a designated employee of Lessee (1) for the
         making of inspections and repairs to said Leased Premises or the
         Buildings as Lessor may deem necessary or desirable; (2) to exhibit
         said Leased Premises to others during the last six (6) months of the
         Term hereunder; and (3) for any purpose whatsoever related to the
         safety, protection, preservation or improvement of said Leased Premises
         or of the Buildings or of Lessor's interest;

         (f)      at any time or times Lessor, either voluntarily or pursuant to
         governmental requirements, may, at Lessor's expense, make repairs,
         alterations or improvements in or to the Buildings or any part
         thereof, and during such times may temporarily close public entrances,
         public doors, public corridors or other public facilities; and

         (g)      to charge Lessee any expense (including overtime or premium
         costs incurred by Lessor) in the event repairs, alterations, decorating
         or other work in said Leased Premises or the Buildings are, at Lessee's
         request, not made during ordinary business hours.

         Lessor may exercise all or any of the foregoing rights hereby reserved
without being deemed guilty of an eviction or disturbance of Lessee's use and
possession, without being liable in any manner to Lessee, and without
elimination or abatement of rent, or payment of other compensation, and such
acts shall in no way affect this Lease.

    9.   Delayed Possession. If Lessor shall be unable to deliver possession of
said Leased Premises on the date of the commencement of the Term hereby created
because of the holding over of any tenant, or tenants, or for any other cause
beyond Lessor's reasonable control, then the rent specified in paragraph 4 of
this Lease shall not commence until the date possession of said Leased Premises
is available to Lessee, and Lessee agrees to accept such allowance and
abatement of rent as liquidated damages, in full satisfaction for the failure
of Lessor so to deliver possession on said date of

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commencement, and to the exclusion of all claims and rights which Lessee might
otherwise have by reason of delivery of possession not being made on said date.
No failure so to deliver possession on said date shall in any event extend, or
be deemed to extend, the term of this Lease. Unfinished extra work, if any,
undertaken by Lessor for Lessee shall not be considered in determining the date
when possession is available to Lessee.

         In the event that Lessee shall occupy said Leased Premises or a
portion thereof prior to the commencement of the Term of this Lease with
Lessor's consent, all the provisions of this Lease shall be in full force and
effect during such period and rent shall be paid on a per diem basis up to the
date of commencement of the Term.

    10.  Lessee's Property. All personal property belonging to Lessee or to any
other person located in or about said Leased Premises or the Buildings shall be
there at the sole risk of Lessee or such other person, and neither Lessor nor
Lessor's agents or employees shall be liable for the theft or misappropriation
thereof, nor for any damage or injury thereto, nor for death or injury of
Lessee or any other persons or damage to property caused by fire, water, ice,
snow, frost, steam, heat, cold, dampness, falling plaster, explosions, sewers
or sewerage, gas, odors, noise, the bursting or leaking of pipes, plumbing,
electrical wiring, and equipment and fixtures of all kinds, or by any act or
neglect of other tenants or occupants of the Buildings or of any other person,
or caused in any other manner whatsoever unless due to the negligent act or
acts of Lessor. Lessee will protect, indemnify and save harmless Lessor from
all losses, costs or damages sustained by reason of any act or other occurrence
or failure to act causing death or injury to any person or damage to property
whomsoever or whatsoever due to the use or occupancy of said Leased Premises or
of the Buildings or any part thereof by Lessee, or due to any breach or default
on the part of Lessee in the performance of any covenant or agreement on the
part of Lessee to be performed, except losses, costs or damages proximately
resulting from the sole negligence of Lessor, Lessor's agents or employees.
Lessee covenants, upon notice from Lessor, to resist or defend, at Lessee's
expense, such action or proceeding by counsel reasonably satisfactory to
Lessor.

         If, because of any act or omission of Lessee or anyone claiming by,
through, or under Lessee, any mechanic's or other lien or order for the payment
of money shall be filed against said Leased Premises or the Buildings or
against Lessor (whether or not such lien or order is valid or enforceable as
such), Lessee shall, at Lessee's own cost and expense, cause the same to be
canceled and discharged of record within sixty (60) days after the date of
filing thereof and shall also indemnify and save harmless Lessor from and
against any and all costs, expenses, claims, losses or damages, including
reasonable counsel fees, resulting therefrom or by reason thereof.

    11.  Holding Over. Should Lessee remain in possession of said Leased
Premises after the expiration of the Term of this Lease with the consent of
Lessor, then, unless a new agreement in writing shall have been entered into
between the parties hereto, Lessee shall be a tenant from month to month, and
such tenancy shall otherwise be subject to all of the covenants and agreements
of this Lease, at a monthly rental equal to the last monthly installment of
rent payable hereunder.

    12.  Negative Covenants. Lessee shall not, without prior written consent of
Lessor in each instance, Lessor's consent herein shall not be unreasonably
withheld or delayed, (a) assign, mortgage, hypothecate or convey this Lease or
any interest therein; (b) allow any transfer thereof or any lien upon

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Lessee's interest by operation of law; (c) sublet said Leased Premises or any
part thereof; or (d) permit the use or occupancy of said Leased Premises or any
part thereof by anyone other than Lessee. Consent to any such assignment,
conveyance or subletting by Lessor shall not operate as a waiver of the
necessity for a consent to any subsequent assignment, conveyance or subletting,
and the terms of such consent shall be binding upon any person holding by,
under, or through Lessee. Such prior written consent of Lessor shall not
relieve Lessee from primary liability hereunder for the payment of rental or
performance or observance of any of the terms and conditions of this Lease.

    13.  No Lessor Representations. Taking of possession by Lessee shall be
conclusive evidence as against Lessee that said Leased Premises were in good
order and satisfactory condition when Lessee so took possession. No
representation respecting the condition of said Leased Premises or the
Buildings has been made by Lessor to Lessee unless contained herein; and no
promise of Lessor to prepare, alter or improve said Leased Premises for
Lessee's use and occupancy shall be binding upon Lessor unless contained
herein. This Lease does not grant any right to light or air over property
except over public ways kept open by public authority, and Lessor shall not be
liable to Lessee for any expense, injury, death, loss or damages resulting from
work done in or upon, or by reason of the use of, any adjacent or nearby
building, land, or public or private way. At the expiration, or earlier
termination in any manner, of the term hereof, Lessee shall quit and surrender
said Leased Premises together with all installations, improvements and
alterations (including curtains, carpeting and partitions) which may have been
installed by Lessor or Lessee (except that Lessee's other furniture, trade
fixtures and standard business office machines and equipment shall remain
Lessee's property, and provided Lessee is not in default hereunder, may and
upon Lessor's request shall be removed by Lessee) broom clean and in as good
condition and repair as when possession was delivered, reasonable use and wear,
loss or damage by fire, the elements or other casualty not resulting from the
willful or negligent acts of Lessee, Lessee's agents, employees or invitees
excepted, failing which Lessor may restore said Leased Premises to such
condition and Lessee shall pay the cost thereof.

    14.  Alterations. Lessee shall not make any major alterations, additions,
improvements (which exceed $2,500.00 in value) or other changes in or to said
Leased Premises or the Buildings, or attach, affix or build therein any
improvement or installation without Lessor's prior written consent in each and
every instance. Lessor's written consent shall not be unreasonably withheld or
delayed. Before any such work is done or any materials therefore are delivered
on said Leased Premises or into the Buildings, Lessee shall provide Lessor with
plans, specifications, names of contractors, copies of contracts and necessary
permits; shall indemnify and hold harmless Lessor against liens, costs, damages
and expenses of all kinds; and shall submit to Lessor's reasonable supervision
of said work. All additions, installations, alterations, permanent fixtures and
permanent improvements in and upon said Leased Premises, whether installed by
Lessee or Lessor, shall become Lessor's property, and shall remain upon, and be
surrendered with, said Leased Premises without disturbance or injury upon the
termination of this Lease by lapse of time or otherwise, all without payment or
credit to Lessee. Lessee shall have the right to place in said Leased Premises,
at such locations therein as Lessee may from time to time determine, Lessee's
furniture, trade fixtures and standard business office machines and equipment,
and such personal property shall be and remain the property of Lessee. Provided
Lessee is not in default hereunder, such personal property may be removed by
Lessee at any time during the lease term, and may be, and shall be upon
Lessor's request, removed upon expiration, or upon earlier termination of this
Lease in any manner. Lessee, however, agrees to repair at Lessee's expense any
damage to said Leased Premises or the Buildings caused by such removal.

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    15.  Use and Occupancy. Lessee shall take good care of said Leased Premises
and the fixtures and improvements therein, and will use said Leased Premises
during the Term for the purpose above specified and no other; will not commit
waste nor do any act harmful to the Buildings or the systems and equipment
therein; will not illegally sell or store therein any spirituous, malt or
vinous liquors, or any narcotic drugs; will not exhibit, sell or offer for sale
on said Leased Premises or in the Buildings anything whatsoever except such as
are essentially connected with the stated use of said Leased Premises; will not
make or permit any use of said Leased Premises which directly or indirectly, is
forbidden by ordinance, statute or government regulations, or by any
restrictions of record, or which may increase the premium cost of, or
invalidate, any policy of insurance carried on the Buildings or covering its
operation, and will comply with the Rules and Regulations appearing at the end
of this Lease, including changes thereto, which Rules and Regulations are made
a part hereof by reference. Lessee at Lessee's sole expense shall comply with
all laws, orders and regulations of federal, state, county and municipal
authorities and any direction or any public officer or officers, pursuant to
law which shall impose any liability, order or duty upon Lessor or Lessee with
respect to Lessee's use or occupancy of said Leased Premises. All repairs
required to be made as a result of Lessee's misuse or neglect of said Leased
Premises or of damage to, or defacement of, the Buildings or any part thereof,
by reason of Lessee's tenancy therein shall be made at Lessee's expense except
ADA requirements to the exterior building and common areas which shall be
complied with by Lessor at Lessor's sole cost and expense. Lessee shall give
immediate notice to Lessor in case of fire or accident in said Leased Premises
or of any defect, damage or injury therein or in any fixtures or equipment.

         Lessee shall not cause or permit any Hazardous Material (as hereafter
defined) to be brought upon, kept or used in or about the Leased Premises or
Buildings by Lessee, its employees, agents, contractors or invitees. As used
herein, the term "Hazardous Material" shall mean any hazardous or toxic
substance, material or waste (including but not limited to, those substances,
materials and wastes now or hereafter listed in the United States Department of
Transportation Hazardous Materials Table or by the Environmental Protection
Agency as hazardous substances), or such substances, materials and wastes the
use, storage, transportation, or disposal of which are or may become regulated
under any applicable federal, state or local law, regulation, code or
ordinance. If Lessee permits any Hazardous Material to be brought upon, kept or
used in or about the Leased Premises or Buildings that results in the violation
of any applicable law, regulation, code or ordinance or in the contamination of
the Leased Premises or Buildings, then Lessee shall indemnify, defend and hold
Lessor harmless from any and all claims, judgments, damages, penalties, fines,
costs, liabilities or losses, including but not limited to (i) diminution in
value of the Leased Premises or Buildings; (ii) damages for loss or restriction
on use of rentable or usable space or of any amenity in the Leased Premises or
Buildings; (iii) damages arising from any adverse impact on marketing of the
Leased Premises or Buildings; and (iv) sums paid in settlement of claims,
attorneys' fees, consulting fees and expert fees, which arise during or after
the term of the Lease, including but not limited to any claims for bodily
injury or death or for property damage, as a result of such violation or
contamination. This indemnification of Lessor by Lessee includes but is not
limited to costs incurred in connection with any investigation of site
conditions or clean-up, remedial removal or restoration work required by any
federal, state or local government agency or political subdivision because of
Hazardous Material present in the Leased Premises or Buildings or the soil or
ground water on which the Buildings located. Without limiting the foregoing, if
the presence of any Hazardous Material on the Leased Premises or Buildings
caused or permitted by Lessee results in any contamination of the Leased

                                       9
<PAGE>   10

Premises or Buildings, Lessee shall, upon request by Lessor, promptly take all
actions at its sole expense that are necessary to return the Leased Premises or
Buildings to the condition existing prior to the introduction or exposure of
any Hazardous Material in Leased Premises or Buildings. Lessee's obligations
hereunder shall survive the termination of this Lease and Lessee shall
indemnify, defend and hold harmless Lessor, its agents, employees and
contractors from and against, and, upon demand, reimburse Lessor for all
claims, demands, liabilities, losses, damages, judgments, penalties, costs and
expenses, including attorneys' fees, incurred by Lessor as a consequence of
Lessee's breach of its obligations hereunder.

    16.  Damage: Untenantability. If said Leased Premises shall be partially
damaged by fire or other casualty, the damage to said Leased Premises (but not
to Lessee's property, which shall remain the responsibility of Lessee to repair
or replace) shall be repaired by and at the expense of Lessor. Notwithstanding
the foregoing, however, fire or other casualty damage to the Leased Premises in
amounts of One Thousand Dollars ($1,000.00) or less per occurrence shall be
repaired by and at the expense of Lessee. Lessor shall incur no liability on
account of any delay in the completion of such repairs which may arise by
reason of adjustment of insurance, labor difficulties or any other cause beyond
Lessor's control. If all or substantially all of said Leased Premises or the
Buildings are made unfit for occupancy by fire or other casualty, acts of God
or other causes, Lessor may elect (a) to terminate this Lease as of the date
when said Leased Premises or the Buildings are so made unfit for occupancy, by
written notice to Lessee within ninety (90) days after that date, or (b) to
repair, restore or rehabilitate said Leased Premises at Lessee's expense, or
the Buildings at Lessor's expense, within ninety (90) days after Lessor is
enabled to take possession of the damaged Leased Premises and undertake
reconstruction or repairs; and if Lessor elects so to repair, restore or
rehabilitate said Leased Premises or the Buildings this Lease shall not
terminate, except as hereinafter provided, but rent shall be abated on a per
diem basis proportionate to the extent and for the period that said Leased
Premises are unfit for occupancy. In the event Lessor shall proceed under (b)
above and shall not substantially complete the work within said ninety (90) day
period (excluding from said period loss of time resulting from delays beyond
the reasonable control of Lessor) either Lessor or Lessee may then terminate
this Lease, as of the date when said Leased Premises or the Buildings were so
made unfit for occupancy, by written notice to the other not later than ten
(10) days after the expiration of said ninety (90) day period, computed as
herein provided.

    17.  Remedies of Lessor. All rights and remedies of Lessor herein set forth
are in addition to any and all rights and remedies which are or may be
available to Lessor at law or in equity.

         (a)     If any voluntary or involuntary petition or similar pleading
         under any Act of Congress relating to bankruptcy shall be filed by or
         against Lessee, or if any voluntary or involuntary proceedings in any
         court or tribunal shall be instituted by or against Lessee to declare
         Lessee insolvent or unable to pay Lessee's debts, then in any such
         event Lessor may, if Lessor so elects, with notice of such election and
         with or without entry or other action by Lessor, forthwith terminate
         this Lease and Lessee's right to possession of said Leased Premises,
         and, notwithstanding any other provisions hereof. Lessor shall
         forthwith

                                      10
<PAGE>   11

         upon such termination be entitled to recover damages in an amount
         equal to the then present value of the rent specified in paragraph 4
         of this Lease for the entire residue of the stated Term hereof.

         (b)     If Lessee shall fail to pay the rent specified in paragraph 4
         of this Lease when due, or within ten (10) days thereafter or fails to
         pay Lessor's charges for water, sewer, gas, electrical or other
         services within twenty (20) days after rendition of statements, or
         defaults in the prompt and full performance of any of Lessee's
         covenants and agreements hereunder, and said latter default is not
         corrected within fifteen (15) days after notice from Lessor of said
         default, but shall not apply if the Lessee is commencing a cure to the
         problem and is diligently pursuing same, provided such cure is
         completed within 45 days after commencement of said cure, or if the
         leasehold interest of Lessee be levied upon under execution or be
         attached, or if Lessee makes an assignment for the benefit of
         creditors or if a receiver be appointed for any property of Lessee, or
         if Lessee abandons said Leased Premises, then and in any such event
         Lessor may, if Lessor so elects, and with or without notice of such
         election and with or without demand whatsoever, forthwith terminate
         this Lease and Lessee's right to possession of said Leased Premises.

         (c)     Upon the termination of this Lease, Lessee shall surrender
         possession and vacate said Leased Premises immediately, and Lessor may
         enter into and repossess said Leased Premises with or without process
         of law and remove all persons and property therefrom in the same
         manner and with the same right as if this Lease had not been made, and
         for the purpose of such entry and repossession Lessee waives any
         notice provided by law or otherwise to be given in connection
         therewith.

         (d)     If Lessor elects to terminate Lessee's right to possession,
         without terminating the Lease as above provided, Lessor may remove
         from said Leased Premises any and all property found therein and such
         repossession shall not release Lessee from Lessee's obligation to pay
         the rent reserved herein. After any such repossession by Lessor
         without termination of the Lease, Lessor shall make reasonable efforts
         to relet said Leased Premises, or any part thereof, as agent of Lessee
         to any person, firm, or corporation and for such time and upon such
         terms as Lessor, in Lessor's sole discretion, may determine. Lessor
         may make repairs, alterations and additions in and to said Leased
         Premises and redecorate the same to the extent deemed by Lessor
         necessary or desirable, and Lessee shall, upon demand, pay the cost
         thereof together with Lessor's expenses (including any broker's
         commission) of reletting. If the rents collected by Lessor upon any
         such reletting are not sufficient to pay monthly the full amount of
         the rent reserved herein together with the costs of such repairs,
         alterations, additions, redecorating and expenses, Lessee shall pay to
         Lessor the amount of each monthly deficiency upon demand. If the rent
         so collected from any such reletting is more than sufficient to pay
         the full amount of the rent reserved herein together with the costs of
         such repairs, alterations, additions, redecorating and expenses,
         Lessor, at the end of the stated term of this Lease, shall account to
         Lessee for any surplus.

                                      11
<PAGE>   12

         (e)     Any and all property which may be removed from said Leased
         Premises by Lessor may be handled, removed, stored or otherwise
         disposed of by Lessor at the risk and expense of Lessee, and Lessor
         shall in no event be responsible for the preservation or safe-keeping
         thereof. Lessee shall pay to Lessor, upon demand, any and all expenses
         incurred in such removal and all storage charges against said property
         so long as the same shall be in Lessor's possession or under Lessor's
         control. If any property shall remain in said Leased Premises or in
         the possession of Lessor and shall not be removed by Lessee within a
         period of thirty (30) days from and after the time when said Leased
         Premises are either abandoned by Lessee or repossessed by Lessor under
         the term of this Lease, said property shall presumptively be deemed to
         have been forever abandoned by Lessee.

         (f)     Paragraph (f) deleted.

         (g)     If Lessee shall default in performing any term, covenant or
         condition of this Lease on the part of Lessee to be performed by
         Lessee, which default may be cured by the expenditure of money, Lessor
         at Lessee's option may, but shall not be obligated to, on behalf of
         Lessee, expend such sum as may be necessary to perform and fulfill
         such term, covenant or condition, and any and all sums so expended by
         Lessor, with interest thereon at the rate of ten percent (10%) per
         annum from the date of such expenditure, shall be and be deemed to be
         additional rent, and shall be repaid by Lessee to Lessor on demand,
         but no such payment or expenditure by Lessor shall be deemed a waiver
         of Lessee's default nor shall it affect any other remedy of Lessor by
         reason of such default.

    18.  Mortgages, Attornment and Estoppel Certificates. Lessor shall have the
right at any time, and from time to time, to place or permit to be placed upon
the Buildings and/or the parcels of land upon which the Buildings and Leased
Premises are located, any one or more mortgages, which shall be wholly prior to
the rights of Lessee under this Lease and Lessee will within ten (10) days,
upon request by Lessor, execute any and all instruments deemed to Lessor
necessary or advisable to subject and subordinate this Lease and all rights
given Lessee hereunder to such mortgage or mortgages. In the event any
proceedings are brought for the foreclosure of any such mortgage, Lessee
covenants that Lessee will, to the extent of the Lessor's interest affected by
such foreclosure, attorn to the purchaser upon any such foreclosure sale and
recognize such purchaser's interest as Lessor under this Lease. Lessee agrees
to execute and deliver within ten (10) days at any time and from time to time,
upon the request of Lessor or of any such holder, any instrument which, in the
sole judgment of Lessor, may be necessary or appropriate in any such
foreclosure proceeding or otherwise to evidence such attornment. In the event
that Lessee fails to execute and deliver within ten (10) days any such
instrument, Lessee hereby appoints Lessor and the holder of any such mortgage
or either of them, the attorney-in-fact, irrevocably, of Lessee to execute and
deliver for and on behalf of Lessee any such instrument. Lessee further waives
the provisions of any statute or rule of law, now or hereafter in effect, which
may give or purport to give Lessee any right or election to terminate or
otherwise adversely affect this Lease and the obligation of Lessee hereunder in
the event any such foreclosure proceeding is brought, and agrees that this
Lease shall not be affected in any way whatsoever by any such foreclosure
proceeding. In exchange for Lessee's subordination agreement, Lessor shall
provide a non-disturbance agreement to Lessee from said mortgagee.

                                      12
<PAGE>   13

      Lessee agrees to furnish from time to time when requested by Lessor or the
holder of any mortgage covering the Leased Premises or Buildings or any interest
of Lessor therein, a certificate signed by Lessee to the effect (insofar as is
true) that this Lease is presently in full force and effect and unmodified; that
the Term of this Lease has commenced and the full rental is then accruing; that
the Lessee has accepted possession of the Leased Premises and that any
improvements required by the provisions of this Lease to be made by Lessor have
been completed to the satisfaction of Lessee; that no rent under this Lease has
been paid more than thirty (30) days in advance of its due date; that the
address for notices to be sent to Lessee is as set forth in this Lease; that
Lessee as of the date of such certificate has no charge, lien or claim of offset
under this Lease or otherwise against rents or other charges due or to become
due; and that to the knowledge of Lessee, Lessor is not then in default under
this Lease. Such certificate shall also contain an agreement by Lessee that from
the date of such certificate, Lessee will not to pay any rent under this Lease
more than thirty (30) days in advance of its due date, will not surrender or
consent to the modification of any of the terms of this Lease nor to the
termination of this Lease by Lessor and will not seek to terminate this Lease by
reason of any act or omission of Lessor until Lessee shall have given written
notice of such act or omission to the holder of such mortgage and until a
reasonable period of time has elapsed following the giving of such notice during
which period such holder or mortgagee shall have the right, but not the
obligation to remedy such act or omission. Lessee, upon the request of the
Lessor or any mortgagee of the Leased Premises or the Buildings, shall promptly
execute such instruments or certificates to carry out the intent of this
paragraph as shall be requested by Lessor or by any such mortgagee within ten
(10) days. In the event that Lessee fails to execute and deliver within ten (10)
days any such instrument or certificate, Lessee hereby irrevocably appoints
Lessor as attorney-in-fact for Lessee with full power and authority to execute
and deliver in the name of Lessee any such instruments or certificates.

    19.   Notices. In every instance where it shall be necessary or desirable
for Lessor to serve any notice or demand upon Lessee, or any other person
designated in writing for notice by Lessee, such notice or demand shall be
deemed sufficiently given or made if in writing and mailed to Lessee by
registered, or certified, United States mail, postage prepaid, addressed to
Lessee at the Buildings of which said Leased Premises are a part, and the time
of giving or making such notice or demand shall be deemed to be the time when
the same is mailed as herein provided. Any notice by Lessee to Lessor must be
sent by registered, or certified, United States mail, postage prepaid, addressed
to Lessor at the address where the last previous rent hereunder was paid and, in
addition, at any other address as Lessor may designate from time to time.

    20.   Common Areas. Lessee and Lessee's agents, employees, licensees, and
invitees shall have the right to use, in common with Lessor and Lessor's
tenants and the agents, employees, licensees and invitees of each, the public
sidewalks, entrances, lobbies, vestibules, stairways, corridors, public toilets
and other public areas of the Building; subject, however, to reasonable
applicable Building rules, regulations and security measures, provided they are
uniformly enforced in a non-discriminatory manner, and Lessee and Lessee's
agents, employees, licensees and invitees shall not obstruct or litter, or use
for storage (temporary or otherwise) or for the display of merchandise or
services or for any purpose other than the intended and normal purpose, any of
said public sidewalks, entrances, lobbies, vestibules, stairways, corridors,
public toilets and other public areas of said Buildings; and no floor mats,
runners, overshoes, rubbers, footwear or clothing shall be placed by Lessee or
Lessee's agents, employees, licensees or invitees in any Building corridor,
lobby or vestibule.

                                      13
<PAGE>   14

    21.   Eminent Domain. Lessee agrees with Lessor that if either (a) the
Buildings shall be appropriated, condemned, taken or otherwise acquired by any
public or quasi-public authority under the power of eminent domain,
condemnation or other proceedings, in whole or in such a part as to render the
remainder thereof no longer economically feasible to operate, as the Lessor
shall determine in Lessor's sole discretion, or (b) the whole or any part of
said Leased Premises shall be similarly appropriated, condemned, taken or
otherwise acquired, this Lease and the estate hereby created shall terminate
and wholly expire on the date legal title shall vest in the appropriator or
condemnor, and all rent shall be prorated and adjusted as of said date. In no
event whatsoever shall Lessee have any claim against Lessor by reason of any
appropriation, condemnation or taking of the whole or any part of said Leased
Premises, nor shall Lessee have any claim to the amount, or any portion
thereof, that may be awarded as damages or paid as a result of such
appropriation and taking. Lessee hereby assigns to Lessor all of Lessee's
right, title and interest in and to any and all amounts awarded or paid by
reason of such appropriation, condemnation and taking. Notwithstanding the
above, Lessee shall have the right to claim moving expenses and the like
provided same does not diminish Lessor's award.

    22.   Limitation of Lessor's Liability. (a) No receipt of money by Lessor
from Lessee with knowledge of the breach of any covenants of this Lease, or
after the termination hereof, or after the service of any notice, or after the
commencement of any suit, or after final judgment for possession of said Leased
Premises shall be deemed a waiver of such breach, nor shall it reinstate,
continue or extend the Term of this Lease or affect any such notice, or demand
or suit.

          (b) No reasonable delay on the part of Lessor in exercising any right,
          power or privilege hereunder shall operate as a waiver thereof, nor
          shall any single or partial exercise of any right, power or privilege
          preclude any other, or further, exercise thereof or the exercise of
          any other right, power or privilege.

          (c) No act done or thing said by Lessor or Lessor's agents or
          employees shall constitute a cancellation, termination or modification
          of the Lease, or a waiver of any covenant, agreement or condition
          hereof, nor relieve Lessee from Lessee's obligation to pay the rents
          reserved or other charges to be paid hereunder. Any waiver or release
          by Lessor and any cancellation, termination or modification of this
          Lease must be in writing signed by Lessor.

    23.   Insurance. Insofar as Lessor is able to do so without impairing
Lessor's right of recovery under any policy of fire and extended coverage
insurance on the Buildings, Lessor agrees and does hereby waive all rights of
recovery and causes of action against Lessee, Lessee's employees, servants,
agents and all parties claiming through or under Lessee for any damage to said
Leased Premises, caused by any of the perils covered by fire and extended
coverage insurance policies, notwithstanding the fact that said damage to or
destruction of said Leased Premises by fire or other casualty shall be due to
the negligence of Lessee or Lessee's employees, servants or agents. If the
premiums paid by Lessor for said fire and extended coverage insurance, during
the Term of this Lease are increased by reason of the foregoing, then Lessee
shall have the option to pay said increase. Lessee's failure to pay said
increase in insurance premiums, if any, after thirty (30) days notice to
Lessee, shall render Lessor's waiver, as contained in this Paragraph 23, null
and void. Likewise, insofar as Lessee is able to do so without impairing
Lessee's right of recovery under any policy of fire and extended coverage
insurance which the Lessee carries relative

                                      14
<PAGE>   15

to said Leased Premises, leasehold improvements or personal property contained
therein, the Lessee agrees to and does hereby waive all rights of recovery and
causes of action against the Lessor, Lessor's employees, servants, agents and
all parties claiming through or under the Lessor for any damage to the property
insured, caused by any of the perils covered by such fire and extended coverage
insurance policies, notwithstanding the fact that said damage to or destruction
of said Lessee's property by fire or other casualty shall be due to the
negligence of Lessor or Lessor's employees, servants or agents. If the premiums
paid by Lessee for such fire and extended coverage insurance during the term of
this Lease are increased by reason of the foregoing, then Lessor shall have the
option to pay such increases. Lessor's failure to pay such increase in
insurance premiums, if any, after thirty (30) days notice to Lessor, shall
render Lessee's waiver as contained in this Paragraph 23, null and void.

    24.  Rules and Regulations. Lessee and Lessee's agents, employees and
invitees shall faithfully observe, and strictly comply with the Rules and
Regulations set forth in Exhibit B attached hereto and made a part hereof, and
with such further Rules and Regulations as Lessor may, after notice to Lessee
from time to time adopt. Nothing in this Lease contained shall be construed to
impose upon Lessor any duty or obligation to enforce the Rules and Regulations
in any other lease of the Buildings as against any other lessee, and Lessor
shall not be liable to Lessee for violation of the same by any other lessee or
the agents, employees, licensees or invitees of such other lessee.

    25.  Offer by Agent. This Lease is offered to Lessee by an agent of Lessor
subject to Lessor's acceptance and approval. In the absence of fraud, no
person, firm or corporation, or the heirs, personal representatives, successors
and assigns, respectively, thereof, executing this Lease as agent,
administrator, executor, trustee, or in any other representative capacity shall
ever be deemed or held individually liable hereunder for any reason or cause
whatsoever.

    26.  Broker. Lessor and Lessee each represents and warrants to the other
that no broker negotiated or was instrumental in negotiating or consummating
this Lease except Calabrese, Racek and Markos, Inc., Lessor's agent, and
Cleveland Real Estate Partners, Lessee's Agent, and Lessor shall be solely
responsible for any commissions due Calabrese, Racek and Markos, Inc., and
shall indemnify and hold harmless Lessee against all claims for real estate
commissions and finder's fees by Calabrese, Racek and Markos, Inc. Calabrese,
Racek and Markos, Inc. agrees to pay Cleveland Real Estate Partners the
commission agreed upon between Mark Askelson and David Calabrese as full
payment.

    27.  Entire Agreement. This Lease (together with Exhibits A and B attached
hereto) contains the entire agreement between the parties hereto and shall not
be modified in any manner except by an instrument in writing executed by said
parties or their respective successors in interest.

    28.  Recording. If either of the parties hereto desire to record this Lease,
Lessor and Lessee agree to execute a Memorandum of this Lease, which Memorandum
of Lease may then be recorded in the office of the Recorder of Cuyahoga County,
Ohio. Upon written request of Lessor, Lessee will at any time and from time to
time execute with Lessor such forms of security agreement and financing
statements for filing as in the opinion of counsel for Lessor is reasonably
necessary to protect the rights, priorities and liens of Lessor hereunder.

                                      15
<PAGE>   16

    29.  Headings. The captions of paragraphs appearing in this Lease are
inserted only as a matter of convenience and for reference purposes, and in no
way define, limit or describe the scope and intent of this Lease, or any
paragraph hereof, nor in any way affect it.

    30.  Quiet Enjoyment. If Lessee shall (1) pay the rent reserved, the charges
for services stipulated herein and other amounts to be paid by Lessee to
Lessor, and (2) well and faithfully keep, perform and observe all of the
covenants, agreements, and conditions herein stipulated to be kept, performed
and observed by Lessee, Lessee shall at all times during the term of this Lease
have the peaceable and quiet enjoyment of said Leased Premises without
hindrance of Lessor or any person lawfully claiming under Lessor, subject,
however, to the terms of this lease and any mortgage provided for in this
Lease.

         The covenants, agreements and conditions contained in this Lease shall
bind and inure to the benefit of Lessor and Lessee and their respective heirs,
legal representatives, successors and assigns, subject, however, to the
provisions hereof requiring the consent of Lessor to any assignment of this
Lease or subletting of said Leased Premises.

    31.  Security Deposit. There shall be no security deposit for the space
herein.

    32.  Option to Renew. Provided that Lessee is not in default at the time for
exercise of this option, Lessee shall have one, two year option to extend this
lease. Lessee shall notify Lessor in writing of Lessee's option to renew the
lease for a two (2) year period (commencing January 1, 2002 and ending December
31, 2003) no later than April 1, 2001. In the event Lessee exercises its option
to renew this lease, all provisions of this lease shall remain in effect except
that the annual "base rent" specified in Paragraph 4 hereof shall be increased
from Four Hundred Seventy Two Thousand Two Hundred Dollars ($472,200.00) to
Four Hundred Eighty Seven Thousand Nine Hundred and Forty Four Dollars
($487,944.00). Rent subject to increase if expansion option is exercised.

    33.  Expansion Option. Lessee shall have an option to expand into Suite 206
(2,680 square feet) commencing June 1, 2001. This option is subordinate to the
existing tenant's right to renew. The rental rate and term of the expansion
space shall be equal and coterminus to the balance of Lessee's leasehold
interests in the building. Lessee may exercise this expansion option only if it
exercises its option to renew.

    34.  Full Execution. Open full execution of the lease, Lessee may utilize
Suites 204 and 209 rent free until January 1, 1999. Lessee will be responsible
for in-suite utilities during this free rent period.

    35.  Construction Allowance. This lease requires no leasehold improvement
contribution or construction allowance from Lessor.

                                      16
<PAGE>   17

                                   GUARANTY

Personal guarantee not required.

                                      17
<PAGE>   18

         IN WITNESS WHEREOF, Lessor and Lessee have respectively executed
duplicate counterparts of this LEASE AGREEMENT as of the date, month and year
first above written.

Signed and acknowledged                   PARK EAST REALTY CO.
in the presence of:                         "Lessor"

/s/ [ILLEGIBLE]                           By   /s/ [ILLEGIBLE]
-----------------------------                 ---------------------------------

/s/ DEBRA DUNCAN                          Its: President
-----------------------------                  --------------------------------

Signed and acknowledged                   Insurquote/IAS, Inc.
in the presence of:                       -------------------------------------
                                          "Lessee"

----------------------------              By   /s/ WILLIAM B. WOAHN
                                               --------------------------------
                                               William Woahn,
----------------------------                   President

                                      18
<PAGE>   19

STATE OF OHIO        )
                     ) SS:
CUYAHOGA COUNTY      )

         Before me, a Notary Public in and for said County and State,
personally appeared PARK EAST REALTY CO, an Ohio Corporation, identified as
Lessor, by Gordon Anhold, its President, who acknowledged that he, being
thereunto duly authorized, did sign the foregoing LEASE AGREEMENT for and on
behalf of said corporation and that the same is his free act and deed
individually and as said Officer, and the free act and deed of said
corporation.

         IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal at
Cleveland, Ohio, this 28th day of October, 1998.

                                                           /s/ DINA BACA
                                                           --------------------
                                                           Notary Public

                                                        [NOTARY STAMP]

STATE OF UTAH         )
                      ) SS:
UTAH COUNTY           )

         Before me, a Notary Public in and for said County and State,
personally appeared Insurquote/IAS, Inc., a(n) Utah Corporation, identified as
Lessee, by William Woahn, its President, who acknowledged that he, being
thereunto duly authorized, did sign the foregoing LEASE AGREEMENT for and on
behalf of said Lessee, and that the same is his free act and deed individually
and as said President, and the free act and deed of said Lessee.

         IN TESTIMONY WHEREOF, I have hereunto set my hand and official seal at
Provo, Utah, this 1st day of September, 1998.

                                                        /s/ MARILYN J. THURSTON
                                                        -----------------------
                                                        Notary Public

                                                        [NOTARY STAMP]

                                       19

<PAGE>   20

                                   EXHIBIT A

                         DESCRIPTION OF LEASED PREMISES

The following premises in the Building known as Park East II, located at 3737
Park East Drive, Beachwood, Ohio: Suite #202 containing 15,200 square feet.

                                 [FLOOR PLAN]

                                      A-1
<PAGE>   21

                                   EXHIBIT A

                         DESCRIPTION OF LEASED PREMISES

The following premises in the Building known as Park East II, located at 3737
Park East Drive, Beachwood, Ohio: Suite #109 containing 12,280 square feet.

                                 [FLOOR PLAN]

                                      A-2

<PAGE>   22

                                   EXHIBIT A

                         DESCRIPTION OF LEASED PREMISES

The following premises in the Building known as Park East II, located at 3737
Park East Drive, Beachwood, Ohio: Suite #204 and 209 containing 4,000 square
feet.

                                 [FLOOR PLAN]

                                      A-3

<PAGE>   23

                                   EXHIBIT B

                             RULES AND REGULATIONS

         WINDOWS AND PROJECTIONS. Nothing shall be affixed to or projected
beyond the outside of the Buildings by Lessee without the prior written consent
of Lessor. If Lessee desires, and Lessor permits, blinds, shades, or other form
of outside or inside window covering shall be furnished and installed at the
expense of Lessee and must be of such shape, color, material and make as are
approved by Lessor.

         ADVERTISING, PICTURES AND SIGNS. No picture, plaque, sign,
advertisement, notice or other lettering, temporary or permanent, shall be
exhibited, inscribed, painted or affixed on any part of the outside or inside
of the Buildings or of the walls or doors of said Leased Premises without the
consent of Lessor, which consent shall not be unreasonably withheld. If
permitted, the subject matter and the color, size, style and material thereof
and the method of installing or hanging thereof shall conform to the reasonable
specifications of Lessor. Lessor reserves the right to remove all such items
exhibited, inscribed, painted or affixed without Lessee's permission without
notice to Lessee, at the expense of Lessee.

         BICYCLES AND ANIMALS. Unless expressly permitted by Lessor, no bicycle
or other vehicle and no animal shall be brought or permitted to be in the
Buildings.

         CLOSING AND LOCKING DOORS AND WINDOWS. Unless expressly permitted by
Lessor, all doors to said Leased Premises are to be kept closed at all times
except when in actual use for entrance to or exit from said Lease Premises.
Lessee shall be responsible for the locking of doors and the closing of
transoms and windows in and to said Leased Premises. Lessee shall be
responsible for any damage or loss resulting from violation of this rule.

         MACHINERY. Unless Lessor gives prior written consent in each and
every instance, Lessee shall not install or operate any steam or internal
combustion engine, boiler, machinery, refrigerating or heating device or air
conditioning apparatus, large or heavy office machines or equipment in or about
said Leased Premises, or carry on any mechanical business therein. All
equipment of any electrical or mechanical nature shall be placed in settings
which absorb and prevent vibration, noise, or annoyance, or the spillage or
leakage of fluids, oils or grease on the floors of said Leased Premises. It is
expressly acknowledged, however, that Lessee has the right to install
kitchen/cafeteria equipment, computer equipment and copying and data processing
equipment.

         FLOOR COVERING. Lessee shall not lay linoleum, or other similar floor
covering, so that the same shall come in direct contact with the floor of said
Leased Premises, and if linoleum, or other similar floor covering, is desired
to be used, an interlining of builder's deadening felt shall be first affixed
to the floor by an adhesive which may be easily removed.

         UNSIGHTLY PLACEMENT OF EQUIPMENT. Unless expressly permitted by
Lessor, Lessee shall not place or allow anything to be against or near the
glass of partitions or doors of said Leased Premises which may diminish the
light in, or be unsightly from, halls and corridors.

                                       B-1
<PAGE>   24

         NOISES AND OTHER NUISANCES. Lessee shall not make or permit any
noise or odor that is objectionable to Lessor or to other occupants of the
Buildings to emanate from said Leased Premises, and shall not create or
maintain a nuisance therein, and shall not disturb, solicit or canvass any
occupant of the Buildings, and shall not do any act tending to injure the
reputations of the Buildings.

Lessee shall not install or operate any phonograph, musical instrument, radio
or television receiver or similar device in the Buildings so as to cause a
nuisance to other tenants without prior approval of Lessor. The use thereof, if
permitted, shall be subject to control by Lessor to the end that others shall
not be disturbed or annoyed.

         SAFES OR HEAVY ARTICLES. Lessee shall not overload any floor. Safes,
furniture and all large articles shall be brought into said Leased Premises or
removed therefrom at Lessee's sole risk and responsibility.

         LEDGES AND WINDOWS. Lessee shall not place or permit to be placed any
article of any kind on the window ledges or elsewhere on the exterior walls,
and shall not throw or drop, or permit to be thrown or dropped, any article
from any window of the Buildings.

         TELEGRAPHS, ANTENNAE, ETC. No electric wires, telegraphs, telegraph
call boxes, antennae, aerial wires or other electrical equipment or apparatus
shall be installed inside or outside of the Buildings without approval of
Lessor.

         SOLICITORS. Lessor reserves the right, but shall not be held obligated
to exclude or eject from the Buildings any or all solicitors, canvassers or
peddlers, and any person conducting themselves in such manner as, in the sole
judgment of Lessor, constitutes an annoyance to any of the tenants of the
Buildings or an interference with Lessor's operation of the Buildings or who
are otherwise undesirable.

         FLAMMABLE MATERIALS. No article extra hazardous on account of fire and
no explosive shall be brought into said Leased Premises or into the Buildings.
The storage and use of all flammable and volatile materials or substances shall
be in conformity with applicable laws, rules and regulations of all duly
constituted public authorities.

         LODGING, ETC. The Leased Premises hereby leased shall not be used for
lodging or sleeping purposes, and no cooking of food shall be done therein,
without the express consent of Lessor; provided, however, that it is expressly
acknowledged that Lessee has the right to install a kitchen/cafeteria for the
preparation, cooking and serving of food to its employees or employees of one or
more other companies that may elect to share such facilities.

         ACCESS TO ROOF. Lessee shall not give his employees or other persons
permission to go upon the roof of the Buildings without the written consent of
Lessor.

         FLOOR MATS. Lessee shall not place door mats in public corridors
without the consent of Lessor.

                                      B-2

<PAGE>   25

         ELECTRIC HEATING DEVICES. Lessee shall not use any electric heating
device in the Leased Premises without consent of Lessor.

         SHADES OR BLINDS. Lessee shall not install any shades, blinds, or
awnings without consent of Lessor.

         INSURANCE REGULATIONS. Lessee shall not do anything in the rooms, or
bring or keep anything therein, which will in any way increase or tend to
increase the risk of fire, or which will conflict with the regulations of the
Fire Department or the fire laws, or with the rules and regulations of the City
of Beachwood, or equivalent bodies, or with any law, ordinance, rule or
regulation affecting the occupancy and use of the rooms, now existing or
hereafter enacted or promulgated by any public authority or by the City of
Beachwood or any equivalent body.

         RIGHTS RESERVED TO LESSOR. Without abatement or diminution in rent,
Lessor reserves and shall have the following additional rights consistent with
the operation of the Buildings as a first class office complex:

         1. To change the arrangement and/or location of entrances, passageways,
         doors, doorways, corridors, stairs, toilet or other public parts of the
         Buildings;

         2. To install and maintain a sign or signs on the exterior of the
         Buildings;

         3. To have access for Lessor and other tenants of the Buildings to mail
         chutes, if any, located on the Leased Premises according to the rules
         of the United States Post Office;

         4. To designate all sources furnishing sign painting and lettering,
         ice, drinking water, towels and toilet supplies, and other like
         services used on the Leased Premises except sources for food and other
         services provided to Lessee's cafeteria;

         5. At any time or times Lessor either voluntarily or pursuant to
         governmental requirement may, at Lessor's own expense, make repairs,
         alterations or improvements in or to the Buildings or any part thereof
         and during alterations, may close entrances, doors, windows,
         corridors, elevators or other facilities, provided that such acts
         shall not unreasonably interfere with Lessee's use and occupancy of
         the Leased Premises as a whole;

         6. To erect, use and maintain pipes and conduits in and through the
         Leased Premises;

         7. During the last six (6) months of the term or any part thereof, if
         during or prior to that time Lessee vacates the Leased Premises, to
         decorate, remodel, repair, alter or otherwise prepare the Leased
         Premises for reoccupancy;

         8. To constantly have pass keys to the Leased Premises;

         9. To grant to anyone the exclusive right to conduct any particular
         business or undertaking in the Buildings;

                                       B-3

<PAGE>   26

         10. To exhibit the Leased Premises to others for rentals; and

         11. To take any and all measures, including inspections, repairs,
         alterations, additions and improvements to the Leased Premises or to
         the Buildings, as may be necessary or desirable for the safety,
         protection or preservation of the Leased Premises or the Buildings.

         Lessor may enter upon the Leased Premises and may exercise any or all
of the foregoing rights hereby reserved without being deemed guilty of an
eviction or disturbance of Lessee's use or possession.

         PARKING. Lessee shall observe and respect all rules established by
Lessor designating the use by certain tenants of reserved parking areas and
shall cause its employees and invitees to observe and respect the same.

         ADDITIONAL RULES. Lessor reserves the right to make such other and
further Rules and Regulations as in Lessor's judgment may from time to time be
needful or desirable for the safety, care, cleanliness and efficient operation
of the Buildings and for the preservation of good order therein; provided,
however, that Lessor shall obtain the express written approval of Lessee of
such Rules and Regulations, which approval shall not be unreasonably withheld.

         CONTROLLING DOCUMENTS. In the event of a conflict between these Rules
and Regulations and the Lease entered into between Lessor and Lessee, the
provisions of the Lease shall govern and control in all respects.

                                      B-4<PAGE>   1
                                                                   EXHIBIT 10.18

                                           *** Text Omitted and Filed Separately
                                                CONFIDENTIAL TREATMENT REQUESTED
                                           Under 17 C.F.R. Sections 200.80(b)(4)
                                                                     and 230.406

                  BUSINESS AND TECHNOLOGY PARTNERSHIP AGREEMENT

         This BUSINESS AND TECHNOLOGY PARTNERSHIP AGREEMENT (the "AGREEMENT") is
made as of December 30, 1999 (THE "EFFECTIVE DATE"), by and among CHANNELPOINT,
INC., a Delaware corporation having its place of business located at 5755 Mark
Dabling Boulevard, Suite 100, Colorado Springs, Colorado 80919 ("CP" or
"CHANNELPOINT") and UNITED HEALTHCARE SERVICES, INC., a Minnesota corporation
having its place of business located at 9900 Bren Road East, Minnetonka,
Minnesota 55343 on behalf of itself and its affiliates ("UHS"). Any reference
herein to UHS shall mean United HealthCare Services, Inc. and its affiliated
companies.

                                    RECITALS

         A. ChannelPoint is in the business of, among other things, providing an
Internet-based electronic commerce exchange platform, electronic market
technology and web-based services to provide insurance brokers and customers
with access to quotes, proposals and policy information and to enable the
purchase of insurance policies (the "SERVICES") via websites established and
operated by ChannelPoint (the "CP EXCHANGE" as defined below).

         B. The CP Exchange provides a link between its software and technology
known as "Commerce" and its software and technology known as "Insure" to provide
support for the operational functions of insurance companies.

         C. UHS is in the business of providing managed health care insurance
and other health insurance products, including those "UHS INSURANCE PRODUCTS"
defined below.

         D. UHS and ChannelPoint desire to enter into an agreement whereby
ChannelPoint will license software, provide access to the technology of the CP
Exchange, and provide services to UHS as its strategic, electronic market
technology provider, to enable UHS to distribute the UHS Insurance Products, as
well as those products supplied by third parties, in UHS private and
semi-private branded platforms based upon and integrated with the CP Exchange
and through other open markets in the CP Exchange, at the election of UHS.

         NOW, THEREFORE, in consideration of the foregoing premises and the
mutual covenants and conditions of this Agreement, the parties to this Agreement
agree as follows:

                                    AGREEMENT

1.       DEFINITIONS.

         1.1 "AFFILIATED COMPANY" means a corporation or entity whose
outstanding equity interests are owned, directly or indirectly 51% or more by
United HealthCare Services, Inc, or its parent and which interests are entitled
to vote for management of such corporation or entity.

         1.2 "BRANDED PLATFORMS" means the web-based interfaces to the CP
Exchange branded with the UHS Marks as provided in Section 5.1 below that are
created by CP under this Agreement, including the Private Branded Platform and
the Semi-Private Branded Platforms.

                                       1
<PAGE>   2

For purposes of this definition, "Platform" means Internet-based electronic
commerce exchange platform developed or created by CP and "Branded" means the
application of brands designated by UHS for use on such Platforms in connection
with this Agreement.

         1.3 "COMMERCELINK(TM)" means the CommerceLink software for facilitating
brokers and customers to obtain access to quotes, proposals, and policy
information using the Internet and connecting with back office systems.

         1.4 "CP CONTENT" and "CARRIER PLUG-INS" are defined in Section 6.3
below.

         1.5 "CP EXCHANGE" means CP's Internet-based electronic commerce
exchange product, including all related electronic market technology, currently
known as "Commerce" made available to UHS under this Agreement, to provide
insurance brokers and customers with access to quotes, proposals and policy
information and to enable the purchase of insurance policies via websites and
Platforms (including, without limitation, the Branded Platforms) established and
operated by ChannelPoint.

         1.6 "CP EXCHANGE ROADMAP" means ChannelPoint's currently anticipated
schedule of new features and functionality.

         1.7 "CP SERVICES" means the installation, security, maintenance and
other ancillary services related to the ChannelPoint Software.

         1.8 "CP SOFTWARE" means software that is developed and licensed to UHS
hereunder, including all releases, enhancements and error corrections and all CP
third party software included therein.

         1.9 "CUSTOMIZATION SERVICES" means CP's customization of the Branded
Platforms, and integration of Insure (including multi-site capabilities and
interface with ancillary insurance products) together with other customizations
requested by UHS and performed by CP for Professional Service Fees.

         1.10 "INSURE" means the Insure(TM) software product marketed and
distributed by CP, including Insure Release 2.5, which is capable of providing
the Insure Services set forth on Exhibit A attached hereto, and including all
Service Upgrades, new releases, versions and modifications thereto.

         1.11 "MARKS" means the trademarks, trade names, trade dress, service
marks, service names and logos of a party provided for use by the other party
under the terms of this Agreement.

         1.12 "POLICYHOLDER" means a broker or client who has obtained a quote
or purchased a UHS Insurance Product from UHS using the Services.

         1.13 "PRIVATE BRANDED PLATFORMS" means the Branded Platforms through
which UHS may offer all or a subset of the UHS Insurance Products for sale via
the CP Exchange and/or using Insure.

                                       2
<PAGE>   3

         1.14 "SEMI-PRIVATE BRANDED PLATFORMS" means the Branded Platforms
through which UHS may offer all or a subset of the UHS Insurance Products and
certain insurance products

         1.15 "SERVICES" means the ChannelPoint's Internet-based electronic
commerce exchange service that provides insurance brokers and customers with
access to quotes, proposals and policy information to enable the purchase of
insurance policies via a website.

         1.16 "SERVICE UPGRADES" means the commercially available service
upgrades and related documentation to the CP Exchange and/or Insure, as the case
may be, that are provided to customers of CP as part of their maintenance fees
and which are provided to UHS pursuant to Section 4 below.

         1.17 "SOURCE CODE" means a human-readable copy of the source code (the
computer instructions in human readable computer language) to Insure,
CommerceLink and all software included in or a part of the CP Exchange that is
necessary to operate the Branded Platforms and Semi-Private Branded Platforms
(herein referred to as "Software" in the Escrow Agreement attached hereto as
Exhibit D), plus any pertinent commentary or explanation that may be used by
ChannelPoint's programmers, and all related documentation, description of
development environment, a list of all third party software and any
customizations made thereto, system documentation, statements or principles of
operation, and schematics, all as necessary or useful for the effective
understanding, maintenance and use of the Source Code. To the extent that the
development environment employed by ChannelPoint for the development,
maintenance, compilation, and implementation of the Source Code includes any
device, programming, or documentation not commercially available to Customer on
reasonable terms through readily known sources other than ChannelPoint, the
Source Code shall include all such devices, programming, or documentation. The
foregoing reference to such development environment is intended to apply to any
programs, including compilers, workbenches, tools, and high-level (or
proprietary) languages, used by ChannelPoint for the development, maintenance,
and implementation of the Source Code.

         1.18 "THIRD PARTY CARRIERS" means third party underwriters and issuers
of insurance products that are made available through the CP Exchange and the
Semi-Private Branded Platform.

         1.19 "THIRD PARTY SOFTWARE" means software incorporated into
Insure(TM), or CommerceLink(TM), or any other software licensed or otherwise
provided to UHS that is owned by an entity other than ChannelPoint and licensed
to ChannelPoint.

         1.20 "UHS CONTENT" is defined in Section 6.1 below.

         1.21 "UHS INSURANCE PRODUCTS" means the Individual and Small Group
insurance products offered by UHS for sale through the CP Exchange and/or
through the use of Insure.

         1.22 "UHS PROPRIETARY CONTENT" is defined in Section 6.1 below.

                                       3
<PAGE>   4

         1.23 "UHS SALES FORCE" means UHS' independent and dedicated brokers,
sales agents or other UHS distribution intermediaries that are authorized by UHS
to access the Branded Platforms pursuant to this Agreement.

2.       ACCESS AGREEMENT; RESOURCE COMMITMENTS; APPOINTMENT

         2.1 ACCESS AGREEMENT. ChannelPoint shall have access to the UHS systems
and data in accordance with the terms and for the purposes set forth in the
Access Agreement attached hereto as Exhibit B.

         2.2 RESOURCE COMMITMENTS. CP and UHS will establish a joint product
team ("PRODUCT TEAM") consisting of a number of representatives from
ChannelPoint and a number of representatives from UHS to be mutually agreed to
who will develop a plan and provide input to CP regarding the future development
of CP products and services for UHS. CP shall establish a dedicated team of
Professional Services personnel and assign that team exclusively to projects for
UHS as set forth in this Agreement. Such team or a subset thereof shall
participate in the Product Team. The Product Team will be responsible for
preparation of Letters of Engagement, as described in Section 4.5 below. The
Product Team will also serve as the point of contact for UHS' role as a Design
Partner (as described in Section 5.2) and will coordinate the parties' ongoing
development of implementation plans and milestones, and supplemental UHS
financial commitments, under this Agreement.

         2.3 ELECTRONIC AGENT. UHS hereby appoints ChannelPoint as UHS'
"Preferred" electronic agent (as further defined in Section 2.5 below)
authorized to market and solicit offers for UHS Insurance Products, based on the
rates, terms and conditions of any UHS Insurance Policies, via the Internet
through the CP Exchange (including without limitation through the Branded
Platforms), and ChannelPoint hereby accepts such appointment, subject to the
terms and conditions of this Agreement. UHS may at any time alter coverages,
provisions or exclusions of the UHS Insurance Products without the consent of
ChannelPoint. UHS agrees to give ChannelPoint written notice of such
modifications in a timely manner.

         2.4 LIMITS ON AUTHORITY. ChannelPoint is not authorized to (i) make,
alter or waive any of the rates, terms or conditions of any of UHS Insurance
Products, including forms, policies, contracts or advertising materials, (ii)
bind coverage under an Insurance Product without UHS' express prior written
approval, (iii) sign any contract on behalf of UHS or its affiliates or (iv)
prepare or distribute any promotional or descriptive material relating to this
Agreement or any UHS Insurance Products without first obtaining UHS' written
approval of such materials.

         2.5 PREFERRED PROVIDER. In connection with ChannelPoint's appointment
as a preferred electronic agent of UHS, UHS agrees that, so long as CP is in
compliance with this Agreement, CP shall be UHS' preferred third party provider
of all member, employee and employer desktop web-based front-end services via
ChannelPoint's Commerce at Work and Commerce Administrative Portals or
ChannelPoint's successor products thereto for all broker assisted pre-sale
activities (including but not limited to distribution, benefit selection,
enrollment administration and post-sale benefits administration, but not
including [...***...]

* CONFIDENTIAL TREATMENT REQUESTED

                                       4
<PAGE>   5

[...***...], and other applications developed inhouse by UHS without
participation of third party vendors) for the UHS Insurance Products, and UHS
agrees that all such services will be provided via the Branded Platforms in
accordance with this Agreement. UHS also agrees to use its best efforts to refer
to ChannelPoint as its "Preferred Internet Insurance Exchange Services Provider"
or to use similar language to the extent practical in press releases and
marketing collateral material when such written material refers to electronic
commerce insurance distribution initiatives undertaken by UHS.

3.       CP EXCHANGE SERVICES AND INSURE LICENSE

         3.1 LICENSE TO USE CP EXCHANGE. CP hereby grants to UHS and properly
licensed members of the UHS Sales Force the non-exclusive, non-transferable
right and license during the term of this Agreement to access and use the CP
Exchange through the Branded Platforms for the sole purpose of providing
insurance procurement services to UHS' customers and potential customers.
Concurrently with the delivery of the Branded Platform, CP shall issue to UHS
for each properly licensed member of the UHS Sales Force a user name and
Password to enable access to the CP Exchange, provided that any such Sales Force
who is not employed by UHS shall have first signed a Broker Agreement on a form
provide by ChannelPoint.. UHS shall treat the user name and Password as CP's
Confidential Information (as defined in Section 9 below) and to make such
information only available to UHS and the UHS Sales Force for use as permitted
under this Agreement. Use of the CP Exchange shall be subject to CP's
then-current terms and conditions of use and privacy policy, as published by CP
on the CP Exchange. No other uses of the CP Exchange are permitted except by
separate agreement.

         3.2 LICENSE TO INSURE AND COMMERCELINK. CP hereby grants to UHS the
license rights to Insure and CommerceLink in accordance with the terms of the
Software License attached hereto as Exhibit C.

         3.3 CORE FUNCTIONALITY. In consideration of the Transaction Fees (as
defined in Section 7.3 below), CP will deliver the Branded Platforms which
include the basic core functionality and other elements specified in Letters of
Engagement described in Section 4.5 below. UHS will specify the Branded
Platforms to be developed and will have the sole discretion in the selection of
UHS Insurance Products offered through the Branded Platforms and in the
selection of the insurance products offered by Third Party Carriers through the
Semi-Private Branded Platforms.

         3.4 CUSTOMIZATION SERVICES. In consideration of the Professional
Service Fees (as described in Section 7.6), CP will perform the Customization
Services relating to (a) implementation of any Branded Platform elements not
included in the basic core functionality described in Exhibit A; (b) the import
and repurposing of UHS Content in data centers on the Commerce Exchange; and (c)
additional unique and/or proprietary UHS requirements, features and
functionality that are not part of the Commerce Exchange. Either party may
propose Customization Services, and if agreed as to scope, cost and schedule,
the parties shall execute a Letter of Engagement.

         3.5 SOURCE CODE ESCROW. CP shall place into escrow source code for
Insure and CommerceLink, and such other Software as necessary for UHS to operate
its Branded Platforms

* CONFIDENTIAL TREATMENT REQUESTED

                                       5
<PAGE>   6

and Semi-Private Branded Platforms, including all written and electronic
documentation necessary to modify and operate such software, pursuant to the
terms of the Escrow Agreement attached hereto as Exhibit D.

         3.6 SECURITY. ChannelPoint shall ensure that all security measures
related to the CP Exchange, the UHS Content and other data described in Section
6.5, and their use by UHS, shall conform to reasonable security methodology,
standards and requirements of Customer. ChannelPoint acknowledges and agrees
that it will (a) execute all security agreements reasonably required by UHS
prior to any access to the UHS network, and (b) provide all information
necessary, such as user names, in order for UHS to preauthorize and control
access to the UHS network by ChannelPoint's employees.

         3.7 HEALTH CARE AND INSURANCE REGULATIONS. ChannelPoint acknowledges
that (a) the UHS operates in a regulated industry, (b) the use of the CP
Exchange and Insure will involve a number of governmental regulations covering
the heath care and insurance industries, and (c) the CP Exchange and Insure must
effectively and efficiently accommodate such governmental regulations in order
for it to be useful to UHS. ChannelPoint, in cooperation with UHS, will ensure
that the specifications for all releases and versions of CP Exchange and Insure
accommodate UHS' need to comply with all such governmental regulations, subject
to UHS' being current on all maintenance obligations pursuant to Section 7.6.
ChannelPoint shall also provide Service Upgrades and updates to Insure in a
timely manner after UHS has notified CP of any such regulatory changes so as to
enable UHS to comply with any additional and applicable regulatory changes at
all times. UHS agrees to inform ChannelPoint of such regulatory changes and
assist ChannelPoint in its updates resulting from such regulatory changes. The
parties may from time to time change and update this provision based on
regulatory developments and analysis. The parties agree that Service Upgrades
and updates needed to accommodate minor changes due to regulations shall be
provided free of charge by CP to UHS. ChannelPoint reserves the right to charge
additional fees for other changes, in an amount to be mutually agreed upon
between ChannelPoint and UHS, prior to providing such Service Upgrades resulting
from other than minor changes.

         3.8 INTERNET AND E-COMMERCE REGULATIONS. ChannelPoint, in cooperation
with UHS, will ensure that the operation of the CP Exchange accommodates UHS'
need to comply with all governmental regulations related to use of the Internet
and electronic commerce, including, without limitation, any regulations or laws
covering confidentiality and privacy of individuals' personally identifiable
data.

         3.9 [...***...]

4.       UPGRADES, ENHANCEMENTS, SUPPORT AND OTHER SERVICES

         4.1 GENERAL UPGRADES/ENHANCEMENTS TO THE CP EXCHANGE. In consideration
of the Transaction Fees (as defined in Section 7.3 below), CP will deliver to
UHS the Branded Platforms which include the basic core functionality and other
elements that are commercially available from ChannelPoint as of the effective
date, and any modifications made or future

* CONFIDENTIAL TREATMENT REQUESTED

                                       6
<PAGE>   7

capabilities and features added and made commercially available from time to
time. Substantially all features and functionality then currently available will
be provided to UHS within the scope of the Transaction Fees and CP shall make
available to UHS all Service Upgrades for the CP Exchange as and when made
commercially available by CP.

         4.2 CP EXCHANGE ROADMAP. The CP Exchange will generally evolve to
include new features and functionality in accordance with the CP Exchange
Roadmap attached hereto as Exhibit E ("CP Exchange Roadmap"); UHS acknowledges
that the CP Exchange Roadmap is provided for information purposes only and does
not represent a binding commitment on behalf of CP; provided, however, that CP
and UHS shall cooperate and shall devote resources and experience to define,
prioritize and plan future to CP Exchange and Insure that may become part of
CP's general product releases.

         4.3 SUPPORT SERVICES AND MAINTENANCE.

             4.3.1 SUPPORT SERVICES AGREEMENT. The parties will execute a
mutually acceptable support and services agreement within sixty (60) days after
the Effective Date of this Agreement. Such agreement will contain service
levels, support response times, and other terms that will govern CP's support
and maintenance of the CP Exchange and the Branded Platforms , substantially to
the service levels, support response times and other terms that govern support
and maintenance currently in effect as attached hereto on Exhibit F. The rates
for such services shall be the applicable rates as set forth on Exhibit F at the
time of delivery of such Services. Such support shall include provide support
provided by CP via email (atsupport@cpcommerce.com) and telephone (at (insert
telephone number) to UHS and the UHS Sales Force relating to the authorized use
of the CP Exchange and the Branded Platforms, including, without limitation,
verifying data on the exchange, investigating bugs, and validating error
conditions, UHS or the UHS Sales Force shall provide direct support to end-user
customers related to inquiries about UHS products and services, such as plan
availability, how to use the product, and capture of information on other
questions or problems, and shall use commercially reasonable efforts to respond
to all customer service inquiries promptly after receipt.

             4.3.2. CUSTOMER COMMUNICATIONS. All written customer support
communications relating principally to the CP Exchange shall state that the CP
Exchange is provided or powered by ChannelPoint and shall include a reference to
"Commerce(TM)" or such other brand designations specified by ChannelPoint from
time to time. UHS shall also display on all websites hosted or built by CP, the
phrase "Powered by ChannelPoint".

             4.3.3 MAINTENANCE. In exchange for maintenance fees described in
Section 7.6 below, CP shall provide to UHS all bug fixes, modifications,
enhancements, error corrections and new versions or releases of Insure,
CommerceLink and the CP Exchange which are generally made available to other
participants in ChannelPoint's Insure, CommerceLink and CP Exchange maintenance
program at no additional charge.

         4.4 SERVICE UPGRADES. CP will provide to UHS at no charge beyond
maintenance fees then in effect and paid by UHS in accordance with the terms of
this Agreement, the option to implement any Service Upgrade and enhancements to
the current release of Insure, as soon as such Service Upgrade or enhancements
become commercially available. If UHS decides to exercise this option with
respect to Service Upgrades for Insure, the parties shall mutually agree

                                       7
<PAGE>   8

upon whether UHS, shall install such Service Upgrade or enhancement itself or
have CP install the Service Upgrade or enhancement, and which sites such
upgrades or enhancements shall be installed, and, if the parties agree that
ChannelPoint shall perform the installation, such work shall be performed in
consideration of Professional Service fees in accordance with the professional
service fee schedule in effect at such time.

             4.4.1 SERVICE UPGRADES TIME FRAMES. ChannelPoint shall maintain and
provide Service Upgrades for any reported errors in the release of Insure or
CommerceLink then being used by UHS for a period of twenty-four (24) months
after execution of the Certificate of Final Acceptance for any subsequent
release.

             4.4.2 CHANGE CONTROL GUIDELINES. ChannelPoint shall adhere to
mutually agreed to change control practices and guidelines in accordance with
UHS' commercially reasonable standards when installing Service Upgrades,
enhancements and new releases at any UHS site. ChannelPoint shall also utilize
prudent and reasonable server and software administration practice guidelines to
ensure that UHS is aware of the installation or delivery of any of the same
sufficiently in advance, so that no disruption to UHS' production operations
results from any such proposed delivery or installation. All Service Upgrades,
enhancements and new releases must be applied in an auditable and controlled
manner.

         4.5 PROFESSIONAL SERVICES AND LETTERS OF ENGAGEMENT. In consideration
of UHS' payment of agreed upon Professional Service Fees (as described in
Section 7.6), CP will perform mutually agreed Professional Services
("PROFESSIONAL SERVICES") described and in accordance with the terms set forth
on written Letters of Engagement, which Letters of Engagement shall be in
substantially the form attached hereto as Exhibit G ("LETTERS OF ENGAGEMENT")
describing the scope of services, deliverables, milestones, and Professional
Service Fees, expenses and/or economic arrangements, and which Letters of
Engagement shall contain a "not to exceed price" rather than an "estimated
price."

         4.6 THIRD PARTY SOFTWARE. UHS shall pay to CP the cost for any third
party software incorporated into products or services sold or licensed to UHS
pursuant to this Agreement at the same rates and pursuant to the same terms as
CP charges its other customers for such software.

5.       BRANDING; MARKETING AND OTHER COOPERATIVE ACTIVITIES

         5.1 BRANDING. The Branded Platform licensed to UHS shall be identified
and branded in accordance with UHS' direction, provided that all permitted use
of the Branded Platform by or on behalf of UHS shall bear the Marks of CP
throughout, in form reasonably approved by CP and UHS, such as "Powered by
ChannelPoint" with CP logos and other related marking.

         5.2 DESIGN PARTNER. UHS agrees to serve as CP's Design Partner by using
commercially reasonable efforts to (a) provide to CP complete and timely input
on products and services provided by CP under this Agreement, (b) provide input
from UHS Sales Force and UHS' customers relating to the Services,, including any
customer service comments and complaints and (c) participate in marketing events
as specified in the Marketing and Sales Plan described in Section 5.3 below,
including participation in user group activities. As CP's design

                                       8
<PAGE>   9

partner, UHS will be entitled to [...***...], (ii) [...***...], and (iii) advise
CP of UHS' preferences and suggestions for the future direction of the Branded
Platforms and Insure generally to help retain UHS' "first mover" advantages.

         5.3 MARKETING AND SALES PLAN. The parties agree to work together to
develop a marketing and sales plan within ninety (90) days of the Effective Date
that materially meets the mutual objectives of both parties (the "MARKETING AND
SALES PLAN"). The Marketing and Sales Plan will include priority plans to
reflect the parties' agreements: (a) that in marketing of bundled services
capabilities to small-group customers, including any direct-to-consumer features
available through the CP Exchange (e.g., the bundling of CP's expertise and the
CP Exchange and Branded Platform with UHS' value-added domain knowledge, UHS
Content, fulfillment systems, and call center capabilities), UHS will in good
faith market bundled services for joint delivery by UHS and CP; and (b) such
other marketing and sales activities as the parties may agree. The Marketing and
Sales Plan is intended to provide a tangible measurement of results that are in
the interests of both parties, and are evaluated on a periodic basis, but not
less than quarterly. Upon completion, the marketing and sales plan shall be
included in this Agreement as an Exhibit. In conducting the Marketing and Sales
Plan, both parties may use Marks specified by the other party under the licenses
specified in Section 8 below and in accordance with the procedures specified
therein.

         5.4 PRESS RELEASE. The parties will cooperate in good faith in creating
a mutually agreed upon press release and other public correspondence concerning
this Agreement for simultaneous national and local release as soon as possible
after the Effective Date. Neither party will issue a press release or otherwise
publicize the terms of this Agreement without the prior written consent of the
other party.

         5.5 RATING ENGINES EXCLUSIVITY. UHS agrees to use the CP rating engine,
or where mutually agreed, call out to an existing UHS rating engine, provided
that UHS agrees to use CP as a preferred provider of rating engine capabilities
to UHS. As UHS' preferred provider for rating engines, UHS shall notify CP at
the earliest possible time of UHS' interest in deploying new, different or
additional rating engines, and, [...***...].

         5.6 MEMBER, EMPLOYEE AND EMPLOYER DESKTOP PREFERRED PROVIDER. UHS
agrees that CP shall be its preferred third party provider for member, employee,
and employer desktop web-based front-end services via CP's Commerce At Work and
Commerce Administrative Portals (or CP's successor products thereto) for all
broker assisted pre-sale activities (including, but not limited to distribution,
benefit selection, enrollment, administration, but not including [...***...],
and other applications developed inhouse by UHS without participation of third
party vendors) and post-sale benefits administration for all UHS Insurance
Products. As UHS' preferred provider under this Section 5.6, UHS shall notify CP
at the earliest possible time of UHS' interest in deploying new, different or
additional desktop web front-end services, provide CP's product and technical
teams with access to all UHS requirements information, [...***...]

* CONFIDENTIAL TREATMENT REQUESTED

                                       9
<PAGE>   10

         5.7 [...***...].

6.       CONTENT AND TECHNOLOGY LICENSING AND OWNERSHIP

         6.1 UHS CONTENT AND LICENSING. UHS has acquired and developed, and
intends to continue to acquire and develop, a body of insurance product content,
rules, algorithms, procedures and policy materials, including the UHS
Proprietary Content, (collectively, the "UHS CONTENT"). UHS will, at its own
expense, generate and deliver to CP all UHS Content to be included in the CP
Exchange Subject to the terms and conditions of this Agreement and during the
Term, UHS hereby grants CP a royalty-free, worldwide, non-sublicensable license
to reproduce, distribute, publicly perform, publicly display and digitally
perform the UHS Content via the Internet solely as part of the CP Exchange;
provided, however, that the proprietary algorithms, rules, rating methodology
and the like, and all other information used by UHS to create quotes for the UHS
Products (collectively, the "UHS PROPRIETARY CONTENT") are and shall remain the
Confidential Information of UHS and may not be disclosed to any third party
without the prior written consent of UHS Notwithstanding anything to the
contrary in this Agreement, the UHS Proprietary Content may only be used by CP
to repurpose the Content to be used on the CP Exchange. CP may make a reasonable
number of archival copies of the UHS Content. Title to and ownership of all
intellectual property rights of the UHS Content shall remain with UHS or its
third party licensors.

         6.2 UHS CONTENT MANAGEMENT. UHS will be solely responsible for
creating, managing, editing, reviewing, testing, deleting and otherwise
controlling the UHS Content via the procedures set forth below. CP shall deliver
to UHS certain tools and API's to enable UHS to implement and manage all changes
to the UHS Content accessible via the Branded Platforms (the "CP TOOLS"). CP
hereby grants UHS a royalty-free, worldwide license to use the CP Tools during
the Term solely to manage the UHS Content. Upon conversion of the UHS Content
and any updates thereto, UHS shall verify that all rating and similar algorithms
that are part of the UHS Content produce correct results. Except for any
transformation required to convert the content to CP's proprietary data format,
CP shall not modify or alter the UHS Content without UHS' written consent. UHS
shall be solely responsible for any liability associated with the use,
publication and distribution of the UHS Content, except for any errors in the
UHS Content that are created through CP's negligent modification, translation or
use of the same in the CP Exchange.

* CONFIDENTIAL TREATMENT REQUESTED

                                       10
<PAGE>   11

         6.3 CP CONTENT AND CARRIER PLUG-INS. CP has acquired and developed, and
intends to continue to acquire and develop, a body of content, including without
limitation, insurance product content, rules, algorithms, procedures and policy
materials (the "CP CONTENT") comprised of materials that were either licensed
from Third Party Carriers to CP, or developed by CP. UHS and CP intend that
certain of the CP Content may be made available via Semi-Private Branded
Platform as mutually agreed upon by UHS and CP in accordance with Section 3.2
above. In this event, the parties agree that CP shall have the right to solicit
Third Party Carriers to make their content ("Carrier Plug-Ins") available to
enable electronic distribution of such carrier's insurance products through the
Branded Platform subject to Exchange Service Fees payable to CP by UHS pursuant
to Section 7.3. CP grants UHS a worldwide license to use, with right to
sublicense to reproduce, distribute, modify, and prepare derivative works from,
and publicly perform and publicly display the CP Content via the Internet solely
for use with and as part of the Branded Platforms, including without limitation
the right to make the CP Content available to third parties for downloading and
copying over the Internet. Title to and ownership of all intellectual property
rights of the CP Content shall remain with CP or its third party licensors. CP's
license grant to UHS for CP Content shall be restricted to use in conjunction
with permitted use of the Branded Platform and the purposes of this Agreement.

         6.4 OWNERSHIP.

             (a) CP PROPERTY. As between CP and UHS, CP or its third party
suppliers will retain sole ownership of all intellectual property rights in and
to the CP Marks, the CP Content, the CP Tools, the Open Portals, the the CP
Exchange, Insure, CommerceLink, the Private Branded Platforms, the Semi-Private
Branded and the Branded Platforms (exclusive of the UHS Content and UHS Marks),
including all software, content, documentation, technology and trademarks used
in connection with the CP Services and all enhancements thereto and the CP
Exchange and the Branded Platforms (the "CP PROPERTY"), subject to UHS'
ownership of the UHS Content and the UHS Marks as provided in subsection (b)
below. The CP Property includes any and all modifications, enhancements or
derivative works made to the CP Property by CP during the term of this
Agreement, whether or not made in response to UHS suggestions or requirements.
Except for licenses expressly granted to UHS under this Agreement, UHS is not
granted any other intellectual property rights, or any other rights, franchises
or licenses, with respect to the CP Property.

             (b) UHS PROPERTY. As between UHS and CP, UHS will retain sole
ownership of all intellectual property rights in and to the UHS Marks, the UHS
Content (including the UHS Proprietary Content) and any other information,
content, documentation, look and feel in the presentation and interface of
Branded Platforms and trademarks that CP develops specifically for the UHS
Branded Platforms, or that UHS develops or makes available under the terms of
this Agreement (the "UHS PROPERTY"), subject to CP's ownership of the CP
Property as provided in subsection (a) above and the CP Marks. The UHS Property
includes any modifications, enhancements or derivative works made to the UHS
Property by UHS during the term of this Agreement. Except as provided herein, CP
is not granted any other intellectual property rights, or any other rights,
franchises or licenses, with respect to the UHS Property.

             (c) OTHER INTELLECTUAL PROPERTY. Ownership of intellectual property
rights in any technology (other than the UHS Property and the CP Property)
developed, made or

                                       11
<PAGE>   12

conceived by either CP or UHS, jointly or alone, in connection with and during
the term of this Agreement pursuant to a Services Supplement will be specified
in any such mutually agreed Services Supplements. In the event any such
technology is developed, made, authored or conceived by either CP or UHS,
jointly or alone, in connection with and during the term of this Agreement, but
not subject to the provisions of any Services Supplement, all intellectual
property rights in and to such technology shall be (i) solely owned by CP, in
the case of technology developed, made, authored or conceived solely by CP; (ii)
solely owned by UHS, in the case of technology developed, made, authored or
conceived solely by UHS; or (iii) jointly owned by CP and UHS, in the case of
technology developed, made, authored or conceived jointly by CP and UHS
personnel (including its employees and consultants) for which, where relevant,
such personnel would be considered joint inventors under United States Patent
Act or joint authors under the United States Copyright Act.

             (d) TRANSFER OF OWNERSHIP. Should the intellectual property created
hereunder or otherwise in connection with this Agreement be found not to be
owned exclusively by the party identified as the owner in 6.4 (a), (b) or (c)
above, but rather, to be owned exclusively by the other party, the other party
agrees to assign, convey and transfer and does hereby assign, convey and
transfer, to the party identified any and all its rights, including but not
limited to the right to register or patent such rights worldwide, to the extent
thereof, and to cooperate and assure the cooperation of its employees,
representatives and agents in such registration or patenting efforts.

         6.5 DATA ACCESS. CP shall keep secure as required by this Agreement,
and UHS shall own all right, title and interest in and to all data created
through the use by any person that inquires about or obtain a UHS Insurance
Product through use of the Branded Platforms or the CP Exchange, including,
without limitation, the following: (a) use and traffic data concerning such
persons, including but not limited to impression data, usage summaries and click
through activity ("IMPRESSION DATA"); (b) data collected and stored on the CP
Exchange through the processing of inquiries, quotations and proposals using the
UHS Rating Content; (c) all information submitted to the CP Exchange by or on
behalf of persons and their dependents seeking insurance coverage from UHS
(whether through an employer or on an individual basis), which information is
broken down on an individual, rather than aggregate, basis; (d) all information
submitted to the CP Exchange by or on behalf of employers seeking UHS insurance
coverage or other information (whether directly from such employers or
indirectly through brokers or agents concerning UHS Products); (e) the list of
all persons who have requested information, proposals or quotations for any UHS
Insurance Product. As used herein, "aggregate" means that the data does not
contain or does not have associated with it any information that is identifiable
to UHS, a member of the UHS Sales Force, an employer, employee or a particular
individual who inquires about or purchases a UHS Insurance Product. Upon UHS'
request, CP shall provide all such data to UHS in a mutually acceptable format.

         6.6 DATA CAPTURE. Subject to applicable data privacy laws and
regulations relevant to the Impression Data, CP shall be entitled to capture and
collect Impression Data in its operation of the CP Exchange and the hosting of
the Branded Platforms and CP may use Impression Data in any aggregate or generic
form that does not identify any particular customer.

                                       12
<PAGE>   13

7.       FEES

         7.1 TARGET REVENUES. To secure CP's ongoing reasonable availability and
CP's provision of the services provided hereunder, UHS agrees to target revenues
AS FOLLOWS:

             (a) [...***...] in total Target Revenue over the term of this
Agreement payable and earned as follows: [...***...] of Target Revenue for 1999
and [...***...] of Target Revenue for each calendar year of the term beginning
in the year 2000 and ending in 2004, for a total target revenue of [...***...]
("TARGET REVENUE"). Such Target Revenue shall include all sources of fees due
CP, including fees earned from Transaction Fees as set forth below in Section
7.3, Maintenance Fees as set forth below in Section 7.7, Project Management Fees
as set forth in Section 7.9 below, License Fees as set forth below in Section
7.1 (c) and Professional Service Fees, as set forth below in Section 7.1 (b)

             (b) Professional Service Fees in the amount of: [...***...], shall
be earned and payable as follows: [...***...] for Professional Services to be
used in each of the years 2000; 2001; 2002; 2003; and [...***...] for 1999. Each
separate project establishing Professional Service Fees shall be set forth in a
separate Letter of Engagement.

             (c) License Fees payable as follows: [...***...] that shall be
earned and nonrefundable upon the delivery and acceptance of Insure 2.x; Insure
3.0; Commerce and CommerceLink, which amount includes platform customization
that is deliverable upon payment of [...***...], with allocation for each such
delivery to be set forth on Exhibit H attached hereto and by this reference
incorporated herein. License Fees paid under this Agreement shall be deemed to
be earned and nonrefundable upon deployment and acceptance by UHS.

             (d) Installation of Software, for such activities including but not
limited to configuration and customization, shall be separately billed and such
amounts therefor shall be included as a separate item in the relevant Letter of
Engagement.

         7.2 TRANSACTION FEES. UHS shall pay to CP Transaction Fees equal to a
percentage of gross premiums paid by a Policyholder to UHS for each UHS
Insurance Product purchased by such Policyholder that has been quoted using the
Service. For purposes of calculating the Transaction Fees, the Percentage shall
be established in accordance with the schedule specified in Section 1(a) of
Exhibit I attached hereto. Transaction Fees are not payable on Insurance
Products which have not been quoted or purchased over any one of the following:
the CP Exchange, Private Branded Platforms or Branded Platforms. Such
Transaction Fees are earned when such gross premiums are paid, and such
Transaction Fees are independent of any other fee earned or service provided
under this Agreement.

* CONFIDENTIAL TREATMENT REQUESTED

                                       13
<PAGE>   14

         7.3 PROFESSIONAL SERVICE FEES. UHS shall pay all Professional Service
Fees, time plus expenses, unless otherwise agreed, pursuant to the applicable
Letter of Engagement for the Professional Services requested therein.

         7.4 MAINTENANCE FEES. In consideration for the Service Upgrades and
related support services provided by CP hereunder, UHS shall pay Maintenance
Fees on a calendar quarterly basis equal to [...***...] payable as provided in
Section 7.10 below. Maintenance shall begin at the same time as the warranty
begins.

         7.5 INSURE LICENSE FEES. In consideration for the rights granted to UHS
under the Insure License, UHS shall pay CP the Insure and CommerceLink License
Fees specified in the Insure and CommerceLink License in accordance with the
terms specified therein and in this Agreement. herein

         7.6 PROJECT MANAGEMENT FEES. CP shall be responsible for the quality
and timely performance of all Professional Services set forth in each Letter of
Engagement, whether performed by CP or any third party operating under the
direction of CP. To the extent that CP engages the services of any third parties
with respect to any Letter of Engagement, CP shall:

             7.6.1 negotiate and assume responsibility for commitments
(including fees, quality and timeliness) with all third party vendors,

             7.6.2 separately itemize in the Letter of Engagement, CP's fees as
a project manager, assuming responsibility for the third party services,

             7.6.3 not add any premiums or additional charges (other than as
identified in the project management fees permitted by Section 7.9.2 above, and

             7.6.4 be responsible for recommending the appropriate use of third
party resources (including those of UHS), subject to the approval of UHS, whose
approval hall not be unreasonably withheld.

         7.7 TRAVEL EXPENSES. Subject to UHS' prior consent, not to be withheld
unreasonably, in accordance with UHS' expense reimbursement policies, UHS shall
reimburse ChannelPoint for reasonable travel, lodging and related expenses
incurred by ChannelPoint in connection with ChannelPoint's performance of its
obligations under this Agreement. ChannelPoint shall provide Customer with
reasonable documentation for all such travel, and Customer shall pay such
expenses within thirty (30) days of receipt of such documentation.

         7.8 REPORTING AND INVOICING. Each party shall keep reasonably accurate
and complete books and records as necessary to verify the fees owing under this
Agreement. Each payment of Transaction Fees based upon Third Party Commissions
shall include a report specifying the Third Party Carrier, the insurance product
sold and the amounts received as Third Party Commissions during the applicable
quarter For all fees owed to ChannelPoint by UHS as described in Section 7, UHS
shall provide ChannelPoint with quarterly reports as necessary for ChannelPoint
to properly bill UHS, and ChannelPoint shall invoice UHS on a quarterly basis
and UHS shall pay such fees within thirty (30) days of the date of
ChannelPoint's invoice. UHS shall use diligent efforts to track Policyholders
who have purchased Insurance Products that had

* CONFIDENTIAL TREATMENT REQUESTED

                                       14
<PAGE>   15

been quoted or purchased through use of the Service. On a quarterly basis, UHS
shall provide to ChannelPoint a report listing by insurance broker or client the
Insurance Products sold during the prior month, specifying the products,
associated gross premiums, commissions or override payments, designated brokers
and other relevant information relating to such Policyholders, In addition to
the invoices provided to UHS under this section, ChannelPoint will provide UHS
with quarterly reports listing those insurance brokers and clients that have
obtained quotes or purchased Insurance Products through the Service during the
prior ninety-day (90) period. In addition, the parties shall comply with any
special tracking, reporting or reconciliation procedures agreed to by the
parties. Both parties will have the right to engage, at its own expense, an
independent auditor to examine the other party's records once per year as may be
necessary to determine the correctness of any report or payment made under this
Agreement, such audits to be conducted during normal business hours and upon
reasonable advance notice to the other party. Such invoices, payments and
reports shall become due monthly once UHS has rolled out Insure and CommerceLink
to 20 health plans.

         7.9 TAXES. All fees owed by UHS to CP are exclusive of, and UHS shall
pay, all sales, use, excise and other taxes that may be levied upon UHS in
connection with this Agreement, or other transactions contemplated under this
Agreement, except for taxes based on CP's net income.

         7.10 [...***...].

8.       TRADEMARKS

         8.1 LICENSE TO UHS MARKS. UHS grants to CP a non-exclusive,
nontransferable, royalty-free, worldwide license to use UHS' Marks to promote
CP's relationship with UHS. Further, UHS grants to CP a non-exclusive,
nontransferable, royalty-free, worldwide license to use UHS' Marks: (i) on the
CP Exchange to denote that the UHS Content is owned by UHS; and

* CONFIDENTIAL TREATMENT REQUESTED

                                       15
<PAGE>   16

(ii) to promote the Branded Platform as containing the UHS Content in
promotional materials including but not limited to brochures, presentations,
advertising, and marketing. The foregoing grants are subject to the provisos
that: (a) CP shall at all times use the UHS Marks in accordance with UHS'
standard trademark usage guidelines provided to CP; (b) CP shall not engage in
any action associated with the UHS Marks that adversely affects the good name,
good will, image or reputation of UHS; and (c) all use of the UHS Marks in any
manner other than on the CP Exchange shall be subject to the prior written
approval of UHS, which approval will not be unreasonably withheld. CP agrees
that all use of the UHS Marks hereunder shall inure to the benefit of UHS. No
other rights or licenses to the UHS Marks are granted to CP hereunder except as
expressly provided in this Section 8.1.

         8.2 LICENSE TO CP MARKS. CP grants to UHS a non-exclusive,
nontransferable, royalty-free, worldwide license to use the CP Marks (i) to
promote the Branded Platform bearing CP's co-branding and to promote UHS'
relationship with CP, as provided in the Marketing and Sales Plan, in
promotional materials including but not limited to brochures, presentations,
advertising, and marketing; and (ii) to publicly display hypertext links to the
CP Exchange from appropriate areas of the Branded Platform and UHS' web site;
provided that: (a) UHS shall at all times use the CP Marks in accordance with
CP's standard trademark usage guidelines provided to UHS; and (B) UHS shall not
engage in any action associated with the CP Marks that adversely affects the
good name, good will, image or reputation of CP. UHS agrees that all use of the
CP Marks hereunder shall inure to the benefit of CP. No other rights or licenses
to the CP Marks are granted to UHS hereunder except as expressly provided in
this Section 8.2.

9.       CONFIDENTIALITY

         9.1 DEFINITION. "CONFIDENTIAL INFORMATION" means confidential and
proprietary information which relates to UHS' or CP's business, products and
services, including but not limited to data, trade secrets, discoveries, ideas,
concepts, know-how, techniques, software, business activities and operations,
reports, studies and other technical and business information, including
personal Policyholder information, the UHS Proprietary Content, the Impression
Data and other data referenced in Section 6.5. Notwithstanding the foregoing,
Confidential Information shall not include any information which (a) is known by
the receiving Party at the time of disclosure, free of any obligation to keep it
confidential, as evidenced by credible evidence; (b) is or becomes publicly
available through authorized disclosure by the owner of such information; (c) is
rightfully obtained by the receiving Party from a third party who has the right
to transfer or disclose it; or (d) is independently developed by receiving Party
without reference to Confidential Information of the other Party.

         9.2 NON-DISCLOSURE. Each Party shall keep in during the Term and after
termination or expiration of this Agreement all Confidential Information of the
other party and that it will not directly or indirectly disclose to any third
party or use for its own benefit, or use for any purpose other than the
performance of its obligations under this Agreement, any Confidential
Information it receives from the other party. Each party shall use reasonable
care to protect the other Party's Confidential Information, and in no event less
than the same degree of care as it would employ with respect to its own
information of like importance which it does not desire to have published or
disseminated. Each party may make Confidential Information of the other party
available to those of its employees, contractors or agents who have a need to
know such information and who

                                       16
<PAGE>   17

are subject to binding use and disclosure restrictions at least as protective as
those set forth herein. Notwithstanding the foregoing, either party may make
disclosures as lawfully required or requested by a court of law, or any
governmental entity or agency in connection with seeking any governmental or
regulatory approval or in connection with a judicial proceeding, provided that
reasonable measures are taken to limit such disclosure and to obtain
confidential treatment or a protective order and the disclosing party is allowed
to participate in such efforts. Nothing herein shall be deemed to prevent or
limit CP from capturing, collecting and using the Impression Data as provided in
Section 6.5 above.

         9.3 REMEDIES. UHS and CP each agree that any breach of this Section 9
would cause irreparable harm or injury to the other Party significantly in
excess of the value received by such other party pursuant to this Agreement, and
that such other party shall be entitled to declaratory, injunctive or other
equitable relief, in addition to any other legal or equitable remedies it may
have, for any such breach.

10.      WARRANTIES AND COVENANTS

         10.1 UHS WARRANTIES. UHS represents and warrants that:

              (a) neither the UHS Content or any portion thereof in connection
with the Branded Platform or the CP Exchange will: (i) infringe or violate any
third party's copyright, patent, trademark, trade secret or other proprietary
rights; (ii) violate any law, statute, ordinance or regulation, including
without limitation the laws and regulations governing export control; (iii) be
defamatory or trade libelous; (iv) be pornographic or obscene; (v) be outdated
or inaccurate in any way that could mislead, in any material respect, any
applicant for UHS Insurance Products or users of the Branded Platform or the CP
Exchange; or (vi) to the extent such may contain code or other electronic files,
contain viruses, trojan horses, worms, time bombs, cancelbots or other similar
harmful or deleterious routines;

              (b) UHS will promptly notify CP if it receives any complaint or if
it is served with any paper or has knowledge of any legal or administrative
action, investigations or proceeding against CP or involving CP.

         10.2 CP GENERAL AND CONTENT WARRANTIES. In connection with its
obligations under this Agreement, CP represents and warrants that:

              (a) it will not hold itself out as an agent other than for certain
insurance industry fee collection purposes or as the electronic agent described
in Section 2.3 above, employee, partner, joint venturer or officer of UHS;

              (b) it will promptly notify UHS if it receives any complaint or if
it is served with any paper or has knowledge of any legal or administrative
action, investigations or proceeding against UHS or involving UHS;

              (c) none of the CP Content, CP Property or Source Code, or their
use as permitted hereunder, will: (i) infringe or violate any third party's
copyright, patent, trademark, trade secret or other proprietary rights; (ii)
violate any law, statute, ordinance or regulation,

                                       17
<PAGE>   18

including without limitation the laws and regulations governing export control;
(iii) be defamatory or trade libelous; (iv) be pornographic or obscene; (v) be
outdated or inaccurate in any way that could mislead, in any material respect,
any applicant for UHS Insurance Products or user of the Branded Platforms; or
(vi) to the extent such content may contain code or other electronic files,
contain viruses, trojan horses, worms, time bombs, cancelbots or other similar
harmful or deleterious routines; provided, however that the foregoing warranties
shall not apply to (A) the UHS Content, (B) the UHS Marks or (C) to the extent
any CP Content was created in accordance with UHS specifications or
instructions.

              (d) it owns, or has the right to grant the licenses granted
hereunder, to the CP Exchange and Insure, and that it will provide the CP
Exchange, Insure, and all services hereunder in a workmanlike and timely manner
in accordance with the terms of this Agreement.]

         10.3 CP EXCHANGE AND SERVICES WARRANTY AND DISCLAIMER. CP shall make
the Services generally available to UHS and the UHS Sales Team and, if
applicable end users Exchange in substantial conformance with CP's Service Level
Agreement attached hereto as Exhibit L, then-current specifications therefore,
in the event of CP's breach of the foregoing warranty, UHS's sole remedy and
CP's sole obligation shall be as specified in the Service Level Agreement.
Except as provided in this Section 10, CP provides all services and deliverables
hereunder "AS IS" AND CP EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED
AND STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE,
MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE. EXCEPT
AS SPECIFIED HEREIN OR IN THE SOFTWARE LICENSE AGREEMENT, CP DOES NOT GUARANTEE
CONTINUOUS OR UNINTERRUPTED ACCESS TO AND USE OF THE SOFTWARE.

         10.4 THIRD PARTY SOFTWARE AND EQUIPMENT. ChannelPoint acknowledges that
all third party software and equipment that it procures on behalf of UHS
hereunder shall be owned, or in the case of software the license shall be owned,
by UHS. ChannelPoint shall provide to UHS relevant license agreements for such
third party software. UHS shall pay to CP as set forth above in Section 4.6 the
cost of new or incremental third party software, including without limitation,
such software related to upgrades, enhancements, and additional deployments at
new UHS locations.

11.      INDEMNITIES

         11.1 UHS INDEMNITY. UHS shall indemnify, hold harmless and defend CP
from any and all damages, costs and (including attorneys' fees) arising or
resulting from any and all claims, suits, actions or proceedings brought by any
third party against CP or its directors, officers, agents and employees arising
from (a) any breach of the representations, warranties or covenants in Section
10.1, or (b) any claims relating to the provision of the insurance services
offered by UHS or any claims by UHS' customers or representatives relating to
use of or access to the Branded Platform, except to the extent such claim arose
out of any breach of this Agreement by CP or modifications to the UHS Content
made by or for CP except for those made at the request of UHS and correctly
implemented by ChannelPoint. As a condition of the foregoing, CP shall (i)
promptly notify UHS of any indemnifiable claim (ii) give UHS sole control over
the defense and settlement of such claims; and (iii) provide reasonable
cooperation

                                       18
<PAGE>   19

and assistance to UHS in conducting its defense, at UHS' expense; provided,
however, that CP may participate in the defense at its expense; and CP's advance
written approval is required for any settlement that imposes any executory
obligation on CP and does not unconditionally release CP.

         11.2 CP INDEMNITY. CP shall indemnify, hold harmless and defend UHS and
from any and all] damages, costs and (including attorneys' fees) arising or
resulting from any and all claims, suits, actions or proceedings brought by any
third party against UHS or its directors, officers, agents and employees,
arising from (a) any breach of the warranties in Section 10.2, (b) any claim
alleging that UHS' use of the Branded Platform, CP Exchange or InsurE in
conformance with this Agreement infringes any third party intellectual property
right or privacy right, except to the extent such claim arose out of any breach
of this Agreement by UHS, or (c) any modifications made to the UHS Content by or
for CP, except for those made at the request of UHS and implemented correctly by
ChannelPoint. As a condition of the foregoing, UHS shall (i) promptly notify CP
of any indemnifiable claim; (ii) give CP sole control over the defense and
settlement of such claims; and (iii) provide reasonable cooperation and
assistance to CP in conducting its defense, at CP's expense; provided, however,
that UHS may participate in the defense at its expense and UHS' advance written
approval is required for any settlement that imposes any executory obligation on
UHS and does not unconditionally release UHS.

12.      LIMITATIONS OF LIABILITY

         IN NO EVENT SHALL EITHER UHS OR CP BE LIABLE FOR ANY SPECIAL, INDIRECT,
INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO
SUCH DAMAGES ARISING FROM BREACH OF CONTRACT OR WARRANTY OR FROM NEGLIGENCE OR
STRICT LIABILITY, OR FOR INTERRUPTED COMMUNICATIONS, LOST DATA OR LOST PROFITS
ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, EVEN IF CP HAS BEEN ADVISED
OF OR KNOWS OR SHOULD KNOW OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL
EITHER PARTY'S LIABILITY FOR ANY AND ALL CLAIMS OR CAUSES OF ACTION RELATING TO
THIS AGREEMENT EXCEED, IN THE AGGREGATE, [...***...]. THE EXISTENCE OF ONE OR
MORE CLAIMS WILL NOT ENLARGE THIS LIMIT. THE LIMITATIONS OF THIS SECTION 12
SHALL NOT REDUCE THE AMOUNT OF FEES PAYABLE BY UHS TO CP UNDER THIS AGREEMENT.
THE LIMITATION OF LIABILITY SPECIFIED IN THIS SECTION WILL APPLY REGARDLESS OF
WHETHER ANY LIMITED OR EXCLUSIVE REMEDY SPECIFIED IN THIS AGREEMENT FAILS OF ITS
ESSENTIAL PURPOSE.

13.      TERM AND TERMINATION

         13.1 TERM. The term of this Agreement (the "TERM") shall commence on
the Effective Date and continue until December 31, 2004, and shall automatically
renew for one-year periods thereafter unless either party notifies the other
party of its desire to terminate the Agreement at least six (6) months prior to
the expiration of the then-current term.

         13.2 TERMINATION. Either party may terminate this Agreement upon the
material breach of the other party, if such breach remains uncured, to the
extent such breach is capable of cure, for ninety (90) days (thirty (30) days
for any breach of Sections 8, 9, 10 or 11) following written notice to the
breaching party specifying the breach in reasonable detail and demanding its
cure.

* CONFIDENTIAL TREATMENT REQUESTED

                                       19
<PAGE>   20

         13.3 TERMINATION FOR BREACH. This Agreement may also be terminated as
follows:

              13.3.1 If either party (i) is adjudicated bankrupt or insolvent by
a court of competent jurisdiction, (ii) substantially ceases to do business as
currently conducted, (iii) fails to pay its debts generally as they become due,
or (iv) declares bankruptcy, winds up, dissolves or liquidates (in each case,
other than for the purposes of an amalgamation, restructuring, or reconstruction
pursuant to which the surviving entity becomes bound by or assumes the
obligations under this Agreement), or a receiver, trustee or similar officer is
appointed over (or a lien holder takes possession of) all or a substantial part
of such party's property or assets, or anything similar to any of the foregoing
occurs in relation to such party under the laws of any jurisdiction, the
non-bankrupt party may terminate this Agreement effective immediately on notice
to the bankrupt party.

              13.3.2 UHS may, in its sole discretion, terminate this Agreement,
in whole or in part, in the event that ChannelPoint is merged with or acquired
by, or if a controlling interest in ChannelPoint is, or the assets of
ChannelPoint to which this Agreement relates are, sold to or acquired by, any
third party, which, itself or through its affiliates, competes directly or
indirectly with UHS. ChannelPoint shall give sixty (60) days notice (or more, if
practicable) UHS prior to the closing date of any such transaction, and shall
provide such information regarding such transaction as UHS may reasonably
request. As of the date UHS receives such notice from ChannelPoint, ChannelPoint
shall no longer have any right to terminate (i.e., not renew) this Agreement
pursuant to Section 13.1 above for the next renewal term. Any termination of
this Agreement by UHS pursuant to this Section 13.3.2 shall be effective
immediately upon notice to ChannelPoint, and shall specify any and all
obligations of either party that UHS elects to terminate, provided that UHS may
not terminate any obligations of either party that expressly survive any
termination of this Agreement pursuant to Section 13.4 below.

         13.4 EFFECT OF TERMINATION.

              13.4.1 SURVIVAL OF TERMS. Sections 2.1, 6.4, 6.5, 7, 9, 10, 11,
12, 13, and 14 shall survive any termination or expiration of this Agreement.
The license to Insure shall continue in perpetuity after termination of this
Agreement pursuant to the terms of Exhibit C.

              13.4.2 AUDIT RIGHTS. Upon termination, UHS may, at its expense and
on fifteen (15) days notice to ChannelPoint, have an independent accounting
firm, reasonably acceptable to both parties, review the books and records of
ChannelPoint to assure compliance with the provisions of Section 7.12 The
parties agree that the accounting firm shall only report to UHS whether
ChannelPoint is in compliance with the requirements of Section 7.12 and, if the
accounting firm determines that ChannelPoint is not in compliance with such
requirements, the nature of such noncompliance, without disclosing the names of
any ChannelPoint customer or any other proprietary or confidential information
regarding such ChannelPoint customer to UHS.

                                       20
<PAGE>   21

         13.5 BANKRUPTCY. THE PARTIES INTEND FOR THIS AGREEMENT AND THE LICENSES
TO THE CP EXCHANGE, INSURE, AND SOURCE CODE GRANTED HEREIN TO UHS TO COME WITHIN
SECTION 365(n) OF THE U.S. BANKRUPTCY CODE AND, NOTWITHSTANDING THE BANKRUPTCY
OR INSOLVENCY OF CHANNELPOINT, THIS AGREEMENT AND SUCH LICENSES SHALL REMAIN IN
FULL FORCE AND EFFECT SO LONG AS UHS IS IN MATERIAL COMPLIANCE WITH THE TERMS
AND CONDITIONS HEREOF.

14.      AUDIT RIGHTS

         AUDIT OF CP. Upon Notice from UHS, no more frequently than every year,
CP shall provide and/or cause its affiliates and agents to provide to any
auditors and inspectors of UHS (including, without limitation, any auditors of a
regulatory agency) who are performing an audit of UHS' business, (a) reasonable
access to the CP all physical locations at which the CP Exchange and CP Services
are available or provided and all other related information, and (b) all
assistance reasonably required in order for UHS to comply with such audits,
solely in order for such auditors and inspectors of UHS to perform an audit or
inspection. Such access shall be during normal business days and hours,
provided, however, that no audits shall be conducted during CP's year-end or
quarter-end audits, and provided further, that UHS shall cooperate with CP by
conducting its audits in such locations and at such time to minimize, to the
extent practicable, disruption to the conduct of CP business (except as may be
necessary to perform security audits). If any such audit results in UHS being
notified that it is not in compliance with any generally accepted or statutory
accounting principle, statutory requirements, or other audit requirements
relating to the CP software, CP Services, CP shall, and shall cause its
affiliates and agents to, at its own expense and within the period of time
specified by such auditor or inspector of UHS, make such necessary changes as
are required for UHS to comply with such audit.

15.      GENERAL PROVISIONS

         15.1 GOVERNING LAW. This Agreement, including all Exhibits attached
hereto, shall be governed and construed in accordance with the laws of the State
of Delaware without giving effect to principles of conflict of laws.

         15.2 ARBITRATION. Any dispute arising out of or relating to this
Agreement or the breach, termination or validity thereof shall be sent to
nonbinding mediation conducted in Denver, Colorado The mediation shall be
conducted by a mediator agreed upon by the parties, provided that if the parties
cannot agree upon a single mediator, each party shall choose one independent
mediator, who shall jointly choose a third mediator, who shall act as the
mediator of the dispute. If mediation does not result in settling the dispute,
the parties may pursue binding arbitration or litigation, but nothing herein
shall require the parties to seek arbitration.

         15.3 SEVERABILITY; WAIVER. If any provision of this Agreement is held
to be invalid or unenforceable for any reason, the remaining provisions will
continue in full force without being impaired or invalidated in any way. The
parties agree to replace any invalid provision with a valid provision that most
closely approximates the intent and economic effect of the invalid provision.
The waiver by either party of a breach of any provision of this Agreement will
not operate or be interpreted as a waiver of any other or subsequent breach.

                                       21
<PAGE>   22

         15.4 HEADINGS. Headings used in this Agreement are for reference
purposes only and in no way define, limit, construe or describe the scope or
extent of such section, or in any way affect this Agreement.

         15.5 ASSIGNMENT. This Agreement shall be binding upon and inure to the
benefit of the parties and their successors and permitted assigns.

         15.6 FORCE MAJEURE. Each party will not be liable for any failure to
fulfill its obligations hereunder due to causes beyond its reasonable control,
including acts or omissions of government or military authority, acts of God,
shortages of materials, telecommunications failures (including any systemic
Internet failures and any interruptions in services of Internet service
providers), transportation delays, earthquakes, fires, floods, labor
disturbances, riots or wars (a "FORCE MAJEURE EVENT"). If a Force Majeure Event
continues for sixty (60) days or more, the party awaiting performance from the
party suffering the Force Majeure Event may terminate this Agreement immediately
upon written notice to such party.

         15.7 INDEPENDENT CONTRACTORS. The parties to this Agreement are
independent contractors, and no agency, partnership, joint venture or
employee-employer relationship is intended or created by this Agreement.

         15.8 NONSOLICITATION. The parties agree that neither will solicit for
employment, an employee of the other party, without first giving the other party
written notice and receiving written consent for such action. If, after thirty
days of the effective date of such notice, consent is neither granted nor
denied, the other party shall be free to solicit or hire such employee.

         15.8 NOTICE. All notices, requests, demands and other communications
hereunder shall be in writing and shall be delivered by hand or mailed by
registered or certified mail, return receipt requested, first class postage
prepaid, addressed as set forth below. If delivered personally, the date on
which a notice, request, instruction or document is delivered shall be the date
on which such delivery is made and, if delivered by mail, the date on which such
notice, request, instrument or document is received shall be the date of
delivery. Any party hereto may change its address specified for notices herein
by designating a new address by notice in accordance with this Section.

         (A)    If to UHS:

                United HealthCare Services, Inc.
                Attn: President Small Group
                9900 Bren Road East
                Minnetonka, MN 55343
                cc:  General Counsel

         (B)    If to CP:

                ChannelPoint, Inc.
                Attn: General Counsel
                10155 Westmoor Drive, Suite 210
                Westminster, CO  80020

                                       22
<PAGE>   23

         15.9 ENTIRE AGREEMENT. This Agreement, including the items attached
hereto, sets forth the entire understanding and agreement of the parties on this
matter and supersedes any and all oral or written agreements or understandings
between the parties as to the subject matter of this Agreement. This agreement
may be modified only by writing signed by both parties.

         IN WITNESS WHEREOF, each party has executed this Agreement on its
behalf, all on the day and year first above written.

UNITED HEALTHCARE SERVICES, INC.              CHANNELPOINT, INC.

By: /s/ Stephen Hemsley                       By:  /s/ Kenneth E. Hollen
   ----------------------------------            -------------------------------

Printed Name:  Stephen Hemsley                Printed Name:  Kenneth E. Hollen
             ------------------------                      ---------------------

Title:  President                             Title:  President & CEO
      -------------------------------               ----------------------------

Date:  12/30/99                               Date:  November 30, 1999
     --------------------------------              -----------------------------

                                       23

<PAGE>   24
LIST OF EXHIBITS

A.       INSURE SERVICES DESCRIPTION

B.       ACCESS AGREEMENT

C.       INSURE AND COMMERCELINK LICENSE

D.       ESCROW AGREEMENT

E.       CP EXCHANGE ROADMAP

F.       SERVICE LEVEL AGREEMENT

G.       LETTER OF ENGAGEMENT TEMPLATE

H.       ALLOCATION OF LICENSE FEE

I.       TRANSACTION FEE SCHEDULE

                                       24
<PAGE>   25

                                    EXHIBIT A
                               SERVICE DESCRIPTION
                         DESCRIPTION OF INSURE SERVICES

o        Product Modeling support for health, dental, pharmacy, term life, long
         term care, short and long term disability.

o        Customizable workflow engine that enables UHS to codify the workflow
         steps and business rules required to process applications.

o        Integrated messaging that can automatically generate status messages
         via email or fax as applications move through the workflow.

o        Underwriting/workflow rules engine to enable routing of cases through
         the workflow based on defined risk factors.

o        Customizable underwriting desktop that enables UHS to define a rollup
         of risk factors relevant to the lines of business being processed and
         based on UHS business practices.

o        Underwriting drilldown to enable individual underwriters to review key
         risk factors and view relevant application information from the Insure
         desktop.

o        Automated generation of acceptance letters (where applicable to the
         line of business).

o        Integrated rating and product modeling environment to enable final
         rating based on risk factors (for relevant lines of business).

o        Application installation interface to electronically transfer customer
         information into legacy systems.

                                       25
<PAGE>   26

                                    EXHIBIT B
                                ACCESS AGREEMENT

                                       26
<PAGE>   27

                                    EXHIBIT C
          INSURE AND COMMERCELINK LICENSE TERMS AND CONDITIONS LICENSE

THIS INSURE AND COMMERCELINK LICENSE (THIS "LICENSE") GOVERNS UHS' (WHICH TERM
INCLUDES ALL UHS AFFILIATES) USE OF INSURE AND COMMERCELINK (AS DEFINED IN THE
ATTACHED AGREEMENT) ON COMPUTER SYSTEMS OWNED BY OR LEASED TO UHS AT ANY UHS
FACILITY. ALL TERMS, CONDITIONS AND LIMITATIONS SPECIFIED IN THE AGREEMENT SHALL
APPLY TO THE LICENSES AND OBLIGATIONS SPECIFIED IN THIS LICENSE.

1. GRANT OF LICENSE. Subject to the terms of this Agreement, ChannelPoint grants
UHS a perpetual (subject to termination as provided in Section 3),
non-exclusive, non-transferable (except as provided in Section 8), royalty-free
license to use Insure and CommerceLink for internal purposes only and in
accordance with the applicable user documentation provided by ChannelPoint and
subject to the restrictions set forth herein and in the Agreement. If
ChannelPoint provides UHS access and documentation to any application program
interface for Insure, through which UHS may integrate Insure and CommerceLink
with and into other software running on UHS' computer systems, (the "APIs")
subject to the terms and conditions of this License, UHS is granted a
non-exclusive, non-transferable, royalty-free license to use the APIs internally
for UHS' integration of its systems with Insure, to connect to appropriate front
end APIs used by UHS in servicing or administering its UHS Insurance Products,
such as, for example, to employee information downloaded from ADP, and to create
application programs that access the API's, ("Application Programs"). UHS may
not provide access to the APIs to any end users or permit any third party to use
or access the APIs or view the documentation thereto, except that UHS may permit
a third party contractor to use and access the APIs and associated documentation
in order to permit such contractor to integrate Insure with UHS' systems,
provided that such contractors are informed that the APIs are proprietary to
ChannelPoint and are bound by written agreement to maintain the APIs in strict
confidence. ChannelPoint and its licensors retain ownership of Insure and
CommerceLink, APIs, and all copies and portions thereof and all rights not
expressly granted herein are reserved by ChannelPoint. UHS may not use Insure,
CommerceLink or APIs for any purpose or in any manner not expressly permitted in
this License or in the Agreement.

2. RESTRICTIONS. UHS may not copy any Insure software except as reasonably
required to use Insure as permitted hereunder and except for a reasonably number
of copies which may be made solely for back-up purposes. UHS must reproduce and
include the copyright notice and any other notices that appear on the original
Insure software on any permitted copies and any media therefor. UHS acknowledges
that Insure and CommerceLink contains certain third party programs which may
include routines to ensure conformity with the terms of the licenses granted in
this Agreement. ChannelPoint shall use commercially reasonable efforts to inform
UHS of any such routines that come to the attention of ChannelPoint. Except as
expressly permitted under Section 1 or the Agreement, UHS shall not (and shall
not allow any third party to) (i) decompile, disassemble, or otherwise reverse
engineer or attempt to reconstruct or discover any source code or underlying
ideas or algorithms or file formats or programming or interoperability
interfaces of Insure or of any files contained or generated using Insure by any
means whatsoever, (ii) remove any product identification, copyright or other
notices,

                                       27
<PAGE>   28

(iii) provide, lease, lend, use for timesharing or service bureau purposes or
otherwise use or allow others to use Insure, APIs or any portion thereof to or
for the benefit of third parties, (iv) modify, incorporate into or with other
software or create a derivative work of any part of Insure, (v) disseminate
performance information or analysis (including, without limitation, benchmarks
on the APIs) from any source relating to Insure to any third party, or (vi)
permit or encourage any third party to do the foregoing. UHS has no right to
receive any source code or design documentation relating to Insure, except as
otherwise provided in the Agreement and, with respect to design documentation,
ChannelPoint shall provide access to limited design documentation as necessary
and appropriate for UHS to fully access and use the API's. To the extent that
applicable law would permit UHS to reverse-engineer Insure, UHS agrees to
negotiate with ChannelPoint in good faith prior to such undertaking on the terms
under which ChannelPoint would grant access to the source code. UHS recognizes
and agrees that there is no adequate remedy at law for a breach of this Section
2, that such a breach would irreparably harm ChannelPoint and that ChannelPoint
is entitled to seek equitable relief (including, without limitation, injunctions
with respect to any such breach or potential breach) in addition to any other
remedies available at law.

3. TERMINATION OF LICENSE. This License will terminate automatically if UHS
fails to cure any material breach of this License within thirty (30) days after
written notice is provided to UHS specifying the breach in reasonable detail and
demanding its cure. Upon any termination of this License, UHS shall continue to
have the right and license to use Insure and APIs for a period of two (2) years
in order transition to another product, and upon expiration of such time period,
UHS shall promptly cease all use of Insure and APIs and return or destroy all
copies of Insure and CommerceLink and APIs and all portions thereof and so
certify in writing to ChannelPoint.

4. LIMITED WARRANTY AND DISCLAIMER.

   (a) FUNCTIONALITY. ChannelPoint warrants and represents to UHS that for a
period of 180 days from UHS' acceptance of each version of Insure, CommerceLink
and service upgrades, when operated in conformance with this Agreement, such
version of Insure, CommerceLink and service upgrades will materially conform to
the applicable specifications for such version of Insure, CommerceLink and
service upgrades as delivered to UHS. This warranty covers only problems
reported to ChannelPoint during the foregoing warranty period.

   (b) OWNERSHIP. ChannelPoint warrants and represents that it owns all right,
title and interest in or has the right to license Insure and CommerceLink to UHS
and that Insure and CommerceLink (solely in the form delivered to UHS) will not
infringe any patent, copyright, trademark, database, trade secret or other
intellectual property right of any third party.

   (c) YEAR 2000. ChannelPoint warrants and represents to UHS that Insure and
CommerceLink (solely in the form delivered to UHS), when operated in accordance
with the documentation, are Year 2000 Compliant (as defined below). UHS
acknowledges that the capability of Insure and CommerceLink to manage and
manipulate date-related information appropriately depends on the quality of
information imported or input into Insure and CommerceLink, including the
presence of adequate indicators of century in such information. ChannelPoint
disclaims any warranty relating to the quality of any such imported or input
information. "Year 2000 Compliant" means that Insure and CommerceLink shall be
able to

                                       28
<PAGE>   29

provide specific dates and calculate spans of dates, and to record, store,
process and provide true and accurate dates and calculations for dates and spans
of dates within and between the twentieth and twenty-first centuries prior to,
including and following January 1, 2000, including by: (i) correctly processing
correctly inputted day and date data; (ii) recognizing September 9, 1999 as a
valid date; (iii) recognizing the year 2000 as a leap year having 366 days, and
correctly processing February 29, 2000 as a valid leap year date; and (iv)
employing only four-digit year internal year representations. Any claims brought
under this Section 4(b) must be brought within (90) days after January 1, 2000.

   (d) REMEDIES. For any breach of the warranties specified in this Section 4
(except as otherwise provided herein) ChannelPoint shall, at UHS' option, (i)
promptly use diligent efforts to revise Insure and CommerceLink, as the case may
be, such that it conforms with the foregoing warranties, (ii) to replace the
non-conforming Insure software with Insure software that conforms with the
foregoing warranties, or (iii) refund sums paid therefor.

   (e) DISCLAIMER. EXCEPT FOR THE FOREGOING AND THE WARRANTIES IN THE AGREEMENT,
INSURE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND AND CHANNELPOINT HEREBY
EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND OR NATURE, WHETHER
EXPRESS, IMPLIED OR STATUTORY, RELATING TO INSURE AND COMMERCELINK INCLUDING
WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE. CHANNELPOINT DOES NOT WARRANT OR REPRESENT THAT THE USE OF
INSURE OR COMMERCELINK WILL BE UNINTERRUPTED OR ERROR-FREE OR MAKE ANY OTHER
REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF INSURE OR
WRITTEN MATERIALS IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
UHS UNDERSTANDS THAT CHANNELPOINT IS NOT RESPONSIBLE FOR AND WILL HAVE NO
LIABILITY FOR HARDWARE, SOFTWARE, OR OTHER ITEMS OR ANY SERVICES PROVIDED BY ANY
PERSONS OTHER THAN CHANNELPOINT.

6. NO EXPORT. UHS acknowledges that the laws and regulations of the United
States restrict the export and re-export of commodities and technical data of
United States origin, including Insure and APIs. UHS agrees that it will not
export or re-export Insure or APIs from the United States or the country
originally shipped to by ChannelPoint in any form, without the appropriate
United States and foreign governmental licenses.

7. INDEMNITY. ChannelPoint shall indemnify, hold harmless and defend UHS and its
affiliates from any and all damages, costs and expenses (including attorneys'
fees) arising or resulting from any and all claims, suits, actions or
proceedings brought by any third party against UHS or its affiliates, or their
respective directors, officers, agents and employees, arising from and pay any
resulting damages, costs and expenses finally awarded to a third party or paid
in settlement of any claims, suits or proceedings brought against UHS by any
third party that alleges that Insure or CommerceLink, or UHS' use thereof,
infringes any patent, copyright, trademark or other intellectual property right
of a third party; provided that UHS provides ChannelPoint (a) prompt written
notice of the existence of such claim, suit, action or proceeding, (b) sole
control over the defense or settlement of such claim, and (c) assistance at
ChannelPoint's

                                       29
<PAGE>   30

request and expense to the extent reasonably necessary for the defense of such
claim or suit. UHS may, at its own expense, participate in the defense of such
claim with counsel of its own choosing. Notwithstanding the foregoing,
ChannelPoint shall not indemnify UHS for any claims based on (i) any UHS or
third party intellectual property or software incorporated in or combined with
Insure where in the absence of such incorporated item, Insure or CommerceLink
would not have been infringing, (ii) Insure or CommerceLink software that has
been altered or modified by UHS or any third party without ChannelPoint's
consent where in the absence of such alteration or modification Insure would not
be infringing; and (iii) any use of a superseded version of Insure or
CommerceLink for which ChannelPoint has delivered to UHS and UHS has accepted an
updated, revised or repaired version which is not infringing. Upon notice of any
claim of infringement or upon reasonable belief of the likelihood of such a
claim, ChannelPoint shall, at its option, (A) obtain the rights to continued use
of Insure or CommerceLink, (B) substitute other suitable,
functionally-equivalent, non-infringing software, or (C) replace or modify
Insure or CommerceLink so that it is no longer infringing.

8. ASSIGNABILITY. UHS may assign this License to any affiliated company, except
that an assignment to any company that competes with CP shall be void,

                                       30
<PAGE>   31

                                    EXHIBIT D
                       UNITED SOURCE CODE ESCROW AGREEMENT

I. Within ten (10) business days of delivery of the Certificate of Installation
for a particular Release, ChannelPoint shall place the Source Code for such
Release of the ChannelPoint Software, excluding all ChannelPoint Third Party
Software therein, into escrow with Data Securities, Inc. or another reputable,
financially responsible, escrow agent acceptable to Customer ("Escrow Agent"),
under the terms of an escrow agreement to be agreed to in writing by
ChannelPoint, Customer and the Escrow Agent ("Escrow Agreement"). Such Escrow
Agreement shall provide for ChannelPoint to deposit into escrow, (a) on a
monthly basis all Enhancements and Error Corrections (in source and object code
forms) for such Release, and (b) once every six (6) months a complete copy of
the then-current version of the Source Code for such Release. With each such
deposit, ChannelPoint shall also include the then-current Documentation,
Specifications, internal programming specifications used by ChannelPoint to
create the code, a list of ChannelPoint Third Party Software (including a
listing of any modifications made thereto in order for such ChannelPoint Third
Party Software to operate as part of the ChannelPoint Software), and all other
information and materials reasonably necessary for Customer to modify and
perform maintenance using the Source Code. The Escrow Agreement shall also (a)
provide for the Escrow Agent, at Customer's expense, to test and verify that all
such required materials have been deposited by ChannelPoint on a regular basis,
(b) for Customer to have the right to terminate the Escrow Agreement (with a
cure period mutually acceptable to the parties) if ChannelPoint fails to do so,
and (c) for the ongoing escrow of the then-current and all prior versions and
Releases of the ChannelPoint Software that are then being used by Customer at
any Customer Site. Customer shall pay all of the costs incurred in maintaining
such escrow account and such failure of Customer to pay such costs will result
in the return of the source code to ChannelPoint.

II. RELEASE EVENTS. The Escrow Agreement shall provide for the release of the
Source Code to Customer in the following events: (a) ChannelPoint (i) is
adjudicated bankrupt or insolvent by a court of competent jurisdiction, or (ii)
takes steps to declare bankruptcy, wind up, dissolve or liquidate (in each case,
other than for the purposes of an amalgamation, restructuring, or reconstruction
pursuant to which the surviving entity becomes bound by or assumes the
obligations under this Agreement); (b) at any time after the end of the Pilot
Period and within ten (10) business days after ChannelPoint's receipt of written
notice from Customer that ChannelPoint has committed an Egregious Breach of this
Agreement (subject to satisfaction of any dispute resolution procedures set
forth in the Escrow Agreement); (c) termination of the Escrow Agreement for
ChannelPoint's breach of its escrow obligations thereunder; or (d) if, prior to
an initial public offering where ChannelPoint's Series B Preferred Stock is
automatically converted into common stock, ChannelPoint is merged with or
acquired by, or if a controlling interest in ChannelPoint is, or substantially
all of the assets of ChannelPoint to which this Agreement relates are, sold to
or acquired by, Cigna Insurance Company, Aetna/US HealthCare, PacifiCare/FHP,
Prudential Insurance Company, WellPoint, Humana, or other health plans with over
3 million risk-bearing health insured lives, or a successor to or affiliate of
any of the foregoing companies, and Customer elects in writing to terminate this
Agreement on written

                                       31
<PAGE>   32

notice given to ChannelPoint within sixty (60) days of the closing of such
merger or acquisition, and, provided further and only in the case of a
termination under this clause (d), Customer shall pay to ChannelPoint as of the
effective date of such termination a fee of $5 million for release of all of the
then-currently escrowed ChannelPoint Software and obtain the right to use all
materials then in escrow, including, without limitation, all Source Code for all
prior Releases.

III. USE OF SOURCE CODE. In the event of any such release event, Customer shall
have the right to modify, or engage third parties to modify on Customer's
behalf, the Source Code in order to use the ChannelPoint Software in a manner
consistent with the license granted in the Agreement to which this Exhibit is
attached, , provided that such use is within the scope of the functionality for
the Releases of the ChannelPoint Software delivered to UHS pursuant to such
Agreement, and any additional design changes that have been mutually agreed to
by the parties. Customer may make no other use of the Source Code, and such
Source Code shall remain the Proprietary Information of ChannelPoint, provided
that Customer shall have no obligation to provide or otherwise permit
ChannelPoint or any third party to use any modifications or Derivative Works of
the ChannelPoint Software created by or for Customer using the Source Code.
Release of the Source Code to Customer shall in no way affect Customer's or any
Internal End Users' or External End Users' ability or right to use and access
the ChannelPoint Datacenter, or the Customer Network via the ChannelPoint
Datacenter; provided that Customer will pay new business acquisition fees and
monthly maintenance fees in accordance with the terms of this Agreement for the
time during which ChannelPoint maintains, at Customer's request, such ability or
right to use and access the ChannelPoint Datacenter or the Customer Network via
the ChannelPoint Datacenter.

                                       32
<PAGE>   33

                                    EXHIBIT E
                               CP EXCHANGE ROADMAP

                                  [...***...]

* CONFIDENTIAL TREATMENT REQUESTED

                                       33
<PAGE>   34

                                    EXHIBIT F
                             SERVICE LEVEL AGREEMENT

ChannelPoint will make the Commerce Exchange available Sunday through Friday at
23 hours per day, with one downtime period of one hour each of those days. The
hour of the day for such planned downtime will be at the sole discretion of
ChannelPoint. Such downtime period is normally scheduled between 2300 and 0400.

ChannelPoint will make the Commerce Exchange available Saturday for 18 hours,
with one downtime period of 6 hours. The specific hours of such downtime period
will be at the sole discretion of ChannelPoint. Such downtime period is normally
scheduled between 1800 and 0400.

The parties agree there will be additional downtime necessary from time to time
to accommodate environmental change issues in the ChannelPoint data center,
during which time it would be impracticable to invoke recovery at an alternative
data center; provided that ChannelPoint shall use its best efforts to give UHS
advanced notice of such downtime.

The parties recognize that ChannelPoint has no control over response time over
the Internet. ChannelPoint has both a primary and backup link to the Internet
backbone, which both parties agree is reasonable to meet ChannelPoint's
responsibilities to provide service under this Agreement.

ChannelPoint and UHS acknowledge that the service levels specified in this
Exhibit L are preliminary based upon early commercial versions of the Commerce
Exchange. ChannelPoint and UHS will work together, to establish more rigorous
standards based upon actual UHS business volume, UHS volume commitments for
Commerce Exchange business and service levels established by other similar
ecommerce businesses. In addition, ChannelPoint and UHS shall negotiate, in good
faith, appropriate remedies for any failure by ChannelPoint to adhere to the
standards so established, taking into account severity, loss of value resulting
from such failure and industry standards; provided that such remedies shall not
be any less favorable than those provided to other similarly-situated users of
the Commerce Exchange.

                                       34
<PAGE>   35

                                   EXHIBIT G
                         LETTER OF ENGAGEMENT TEMPLATE

================================================================================

                                 (PROJECT NAME)

                               Statement of Work

================================================================================

                                       35
<PAGE>   36

================================================================================
                                  (month, year)

================================================================================

                                       36
<PAGE>   37

EXECUTIVE SUMMARY

United Healthcare (UHc) requires (high-level description of required
functionality). UHc requests that ChannelPoint (CP) develop a solution to meet
the required functionality. The business requirements for this functionality are
documented by UHc (see Attachment A). ChannelPoint has analyzed these business
requirements and developed a preliminary estimate of the effort (see Attachment
B) and a high-level project plan (see Attachment C) outlining the tasks and
schedule necessary to develop the requested solution.

The purpose of this Statement of Work is to define understanding of the project
scope and UHc's and ChannelPoint's responsibilities relative to this project. In
addition, this document consolidates previously created project documentation
and serves as the approved baseline for the project's business requirements.

We understand the deliverables assigned to ChannelPoint to be:

 (itemize project deliverables, including business requirements as appropriate)

NOTE: (if any)

PROJECT SCOPE

SCOPE:

We, at ChannelPoint, understand our responsibilities relative to the (name of
project) to include the following high level requirements:

(restate specific business requirement and/or) See Attachment B for the
ChannelPoint understanding of the UHc business requirements and priorities.
Attachment B was used to determine the scope and estimate for this project.

Any change to the business requirements detailed in Attachment B are subject to
UHc/ChannelPoint project change management procedures.

                                       37
<PAGE>   38

UHC RESPONSIBILITIES:

1.  (itemize UHc specific responsibilities)

CHANNELPOINT APPROACH

METHODOLOGY:

UHc will review this Statement of Work including the estimated effort and
authorize acceptance of the stated business requirements (See Attachment B) and
initial estimate.

ChannelPoint will provide, as necessary, further refinement of the business
requirements analysis (see Attachment B), development of the functional and
technical design, development, testing, and acceptance criteria.

ChannelPoint (via the Project Manager) will provide, at a minimum, bi-weekly
written feedback to UHc on high-level project status and issues.

Project success will be determined by meeting the authorized business
requirements, within the project timeframe and range of hours estimate.

RESOURCES:

ChannelPoint will assign resources with the appropriate skill set for every
aspect of this project for which ChannelPoint is assigned. ChannelPoint will
commit to the timely delivery of all the phases of the agreed upon components to
ensure a successful project conclusion.

The ChannelPoint Account Manager responsible for the initial engagement of this
project is (insert name). The Project Manager leading the effort for this
project is (insert name). Technical resources (as assigned or specifically
named, if known). (Also name UHc resources and/or 3rd party resources, if
known.)

PROJECT PLAN:

See Attachment C for the high-level project plan.

QUALITY COMMITMENT

The project deliverables will be in conformance with the documented and
authorized requirements. ChannelPoint will conform to documented constraints, of
the UHc environment ((i.e., (specifics as appropriate))).

ASSUMPTIONS

o   Timely access to UHc IT and business resources, end-users, and subject
    matter experts.

o   Timely access to any available system or project documentation.

                                       38
<PAGE>   39

o   Scope commitment: UHc and ChannelPoint will work together to control the
    project scope in order to accomplish timely delivery of all components of
    this project. Alternatively, agreed upon changes to project scope may change
    the timeframe and estimate for this project.

o   (other)

CRITICAL SUCCESS FACTORS

UHc's commitment to provide clear direction, timely resolution to issues, and
access to systems and personnel resources as required.

ChannelPoint's commitment to provide the technical experience and business
expertise in delivering project components within established timeframes and
budgets.

(other)

CONTRACTUAL DISCLAIMER

This Statement of Work and its attachments, including any Letter of Engagement,
is subject to the terms and conditions of the contract between UHc and
ChannelPoint dated (TBD).

                                       39
<PAGE>   40

LETTER OF ENGAGEMENT BETWEEN CHANNELPOINT, INC. AND

Client:                         United HealthCare (UHc)

                      PROJECT:  (name of project)

            INITIAL TIMEFRAME:  (project due date). This estimated timeframe is
                                for developing UHc's defined business
                                requirements for (brief description of
                                deliverables).

                        NOTES:  ().

           PLANNED ACTIVITIES:  (brief description of project tasks) will
                                include the following: (See attached Statement
                                of Work)

                  ASSUMPTIONS:  UHc project team and Health Plan subject matter
                                experts will provide ChannelPoint with content
                                specific information according to the defined
                                project schedule and project requirements. In
                                addition, ChannelPoint will need sufficient
                                access to the UHc systems environment.

     TOTAL NOT TO EXCEED COST:  (not to exceed costs)  (see attached detail)

                  PREPARED BY:  (name)

                                ChannelPoint, Inc.

                                (title)

                         DATE:  (date)

                  APPROVED BY:  (name)

                    SIGNATURE:  (signature)

                                       40
<PAGE>   41

                        TITLE:  (title)

                         DATE:  (date)

       CONTRACTUAL DISCLAIMER:  This Letter of Engagement is subject to the
                                terms and conditions of the contract between UHc
                                and ChannelPoint dated (date).

                                       41
<PAGE>   42

<TABLE>
<CAPTION>

                  (NAME OF PROJECT)

                         TASK         HOURS    BILLING     TOTAL       % OF
                                                 RATE                 BUDGET
--------------------------------------------------------------------------------
<S>                                   <C>      <C>         <C>        <C>
ACCOUNT MANAGEMENT

--------------------------------------------------------------------------------
(detail listing of known tasks)

--------------------------------------------------------------------------------
PROJECT MANAGEMENT

--------------------------------------------------------------------------------
(detail listing of known tasks)

--------------------------------------------------------------------------------
ENGINEERING/CONSULTING

--------------------------------------------------------------------------------
(detail listing of known tasks)

--------------------------------------------------------------------------------
TESTING

--------------------------------------------------------------------------------
(detail listing of known tasks)

--------------------------------------------------------------------------------
IMPLEMENTATION SERVICES

--------------------------------------------------------------------------------
(detail listing of known tasks)

--------------------------------------------------------------------------------
PRODUCTION SUPPORT

--------------------------------------------------------------------------------
(detail listing of known tasks)

--------------------------------------------------------------------------------
MISCELLANEOUS

--------------------------------------------------------------------------------
GRAND TOTAL

--------------------------------------------------------------------------------
</TABLE>

                                       42
<PAGE>   43

                                    EXHIBIT H
                            ALLOCATION OF LICENSE FEE

<TABLE>
-----------------------------------------------------------------------------------------------------------
<S>                                                                                      <C>
[...***...]
-----------------------------------------------------------------------------------------------------------
</TABLE>

* CONFIDENTIAL TREATMENT REQUESTED

                                       43

<PAGE>   44

                                    EXHIBIT I

TRANSACTION FEE SCHEDULE

TRANSACTION  FEES:

    Customer will pay ChannelPoint Transaction Fees, based on a percentage of
    Gross Premium Revenues paid by a Policy Holder to UHS for each UHS Insurance
    Product purchased by such Policy Holder, at the rates set forth below:

    HEALTH AND LIFE INSURANCE PRODUCTS

<TABLE>
<CAPTION>

GROUP SIZE                             PERCENTAGE OF GROSS PREMIUM TO BE PAID
--------------------------------------------------------------------------------
<S>                                    <C>
1-50 Subscribers                                    [...***...]

51-100 Subscribers                                  [...***...]
</TABLE>

ANCILLARY INSURANCE PRODUCTS

<TABLE>
<CAPTION>

GROUP SIZE                             PERCENTAGE OF GROSS PREMIUM TO BE PAID
--------------------------------------------------------------------------------
<S>                                    <C>
 1 - 100 Subscribers                                     [...***...]
</TABLE>

The Parties will negotiate in good faith to determine a comparable rate for
groups of more than 100 Subscribers. Transaction Fees shall be paid monthly,
within thirty (30) days after the receipt by UHS of the Gross Premium Revenues.

As used herein, "Gross Premium Revenues" means all revenues received by UHS for
a UHS Insurance Product purchased by a Policy Holder that has been quoted or
purchased using the Service

The Transaction Fees will be paid on the gross premiums collected on the monthly
invoices billed to a new customer in the twelve month period beginning on the
date of the first such monthly invoice.

* CONFIDENTIAL TREATMENT REQUESTED

                                       44

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