Document:

Exhibit 10.3

                               SUBLEASE AGREEMENT

                                     BETWEEN

              AMERICAN SKANDIA INFORMATION SERVICES AND TECHNOLOGY
                             CORPORATION, SUBLESSOR

                                       AND

            ENHANCED CARE INITIATIVES OF CONNECTICUT, INC., SUBLESSEE

            Building Address:   6 Corporate Drive
                                Shelton, Connecticut

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                               SUBLEASE AGREEMENT
                6 CORPORATE DRIVE (FORMERLY, 4 ENTERPRISE DRIVE)
                              SHELTON, CONNECTICUT

SUBLEASE  AGREEMENT  ("Sublease")  made as of  September , 2004,  by and between
AMERICAN SKANDIA INFORMATION AND TECHNOLOGY CORPORATION,  a Delaware corporation
with offices c/o Prudential  Insurance  Company of America,  Two Gateway Center-
17th Floor, Newark, New Jersey 07102 ("Sublessor") and ENHANCED CARE INITIATIVES
OF CONNECTICUT, INC., a Connecticut corporation, having an office at 6 Corporate
Drive, Shelton, Connecticut 06484 ("Sublessee").

                                   WITNESSETH:

WHEREAS,  pursuant  to a lease  dated  October 30,  2000,  between 4  Enterprise
Drive-Shelton LLC, as Landlord  ("Landlord"),  and Sublessor,  as Tenant ("Prime
Lease"),  Landlord leased to Sublessor the entire 4th and 5th Floors, containing
approximately 53,650 rentable square feet ("Premises"),  in the building located
at 4 Enterprise  Drive (now known as 6 Corporate  Drive),  Shelton,  Connecticut
("Building").

WHEREAS,  Sublessor  desires to sublease to Sublessee and  Sublessee  desires to
sublease from  Sublessor a portion of the Premises on the 4th Floor,  containing
approximately  4,167  rentable  square feet and shown outlined on the Floor Plan
annexed hereto as EXHIBIT A and made a part hereof  ("Subleased  Premises"),  on
the terms, covenants and conditions hereinafter provided.

NOW, THEREFORE, Sublessor and Sublessee covenant and agree as follows:

1.       SUBLEASE

Sublessor  hereby  subleases to Sublessee,  and Sublessee  hereby subleases from
Sublessor,  the  Subleased  Premises  which the  parties  acknowledge  and agree
contain  approximately  4,167  rentable  square feet for all purposes  under the
Sublease.

2.       TERM

         The term  ("Term")  of this  Sublease  shall be for 5 years  and  shall
commence  10 days  from the date of  Landlord's  substantial  completion  of the
Building standard tenant improvement work in the Subleased Premises as evidenced
by the  issuance  of a  Certificate  of  Occupancy  for the  Subleased  Premises
("Commencement  Date") and expire five (5) years  thereafter,  unless renewed or
sooner  terminated  pursuant to any  provision  set forth herein or in the Prime
Lease.  Sublessor and Sublessee  shall confirm the  Commencement  and Expiration
Dates of the Term in a written agreement.

         Sublessor  hereby grants  Sublessee  access to the  Subleased  Premises
during  the 10-day  period  prior to the  Commencement  Date in order to install
Sublessee's telephone equipment,  furniture, office equipment and other personal
property in the Subleased Premises.  Such early access to the Subleased Premises
shall be upon all the terms and  conditions  contained in the Prime Lease (as it
pertains to the  Sublease)  and this  Sublease,  including  Article  11.  MUTUAL
INDEMNIFICATION and Article 12. LIABILITY INSURANCE, except that Sublessee shall
not be  obligated  to pay any Base Rent or  additional  rent  during said period
prior to the Commencement Date.

3.       BASE RENT

During the entire Term, Sublessee shall pay Sublessor, as rent for the Subleased
Premises,   the  following   annual  sums  ("Base   Rent"),   in  equal  monthly
installments,  in  advance  on the first day of each  month,  without  setoff or
deduction whatsoever:

   PERIOD          ANNUAL BASE RENT  MONTHLY BASE RENT  ANNUAL RATE PER RENTABLE
                                                        SQUARE FOOT

 11/1/04-2/28/05         $0.00            $0.00               $0.00
 3/1/05-2/28/06          $33,684.00       $2,806.00           $8.08
 3/1/06-10/31/06         $58,338.00       $4,862.00           $14.00
 11/1/06-10/31/07        $62,505.00       $5,209.00           $15.00
 11/1/07-10/31/08        $66,672.00       $5,556.00           $16.00
 11/1/08-10/31/09        $70,839.00       $5,903.00           $17.00

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4.       ADDITIONAL RENT

In  addition  to the  Base  Rent  under  paragraph  3 above,  commencing  on the
Commencement Date, Sublessee shall pay Sublessor, as additional rent,

         (a)      "Taxes"  under  Article  II  of  the  Prime  Lease,   using  a
                  "Sublessee's  Pro Rata  Share" of 2.80% (i.e.  4,167  rentable
                  square  feet for the  Subleased  Premises  divided  by 149,040
                  rentable square feet contained in the Building).

         (b)      Operating  Expenses under Article II of the Prime Lease, based
                  upon a  "Sublessee's  Pro Rata  Share"  of 2.80%  (i.e.  4,167
                  rentable  square feet for the  Subleased  Premises  divided by
                  149,040 rentable square feet contained in the Building).

         (c)      Utilities,  including electricity for Sublessee's lighting and
                  office  equipment,  in accordance with Article IX of the Prime
                  Lease.  The rate  currently  is $1.25 per  square  foot and is
                  subject to the provisions of the master lease.

Notwithstanding anything in the Prime Lease to the contrary, any additional rent
payable by Sublessee  hereunder  Shall be payable  within twenty (20) days after
Sublessee's receipt of an invoice therefor from Sublessor,  together with backup
documentation substantiating the calculation of the additional rent due.

5.       RENT PAYMENTS

All Base  Rent,  Additional  Rent and other  charges  payable  by  Sublessee  to
Sublessor shall be forwarded to:

                    Scribcor Lease Administration LLC,
                    as Agent for Prudential Insurance
                    P.O. Box 809209
                    Chicago, Illinois 60680-9209
                    Tax Identification Number: 22-1211670

All checks shall be made payable to "Scribcor Lease  Administration  L.L.C.,  as
agent for Prudential Insurance ".

6.       LATE CHARGES

In the event that Sublessee  shall fail to pay Base Rent or any additional  rent
within five (5) days after its due date,  Sublessee  shall pay an automatic late
charge to Sublessor of $.05 for each dollar overdue.  In addition,  in the event
that Sublessee  shall fail to pay Base Rent or any additional rent within thirty
(30) days after its due date,  then from and after the  thirty-first  (31st) day
until  the  date  Sublessee  finally  pays  the Base  Rent or  additional  rent,
Sublessee shall pay Sublessor  interest at the rate of fifteen (15%) percent per
annum with respect to the delinquent  amount.  Such late charges shall be deemed
additional  rent for all  purposes  under  this  Sublease.  Notwithstanding  the
foregoing,  two (2) times each year of the Term,  Sublessor shall give Sublessee
notice of late payment of Base Rent and/or  additional  rent and Sublessee shall
have ten (10) days after receipt of Sublessor's  notice before the first two (2)
late charges are imposed for each year.

7.       USE

Sublessee shall use and occupy the Subleased Premises for the purposes permitted
under, and in a manner consistent with, the provisions of the Prime Lease.

8.       CONDITION OF SUBLEASED PREMISES

Sublessee  acknowledges  that Sublessee is hiring the Subleased  Premises in "as
is" condition.  In making and executing this Sublease,  Sublessee has not relied
upon or been induced by any  statements  or  representations  of any person with
respect to the physical  condition  of the  Subleased  Premises.  Except for the
fit-up work to be  performed  by Lessor,  detailed on Exhibit C,  Sublessee  has
relied solely on its own investigations, examinations and inspections

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of the Subleased  Premises.  Notwithstanding the foregoing,  however,  Sublessor
represents that it is not aware of any material defect in the Subleased Premises
or the Building.

9.       SUBORDINATION

Sublessor  and  Sublessee  confirm  and agree that this  Sublease is subject and
subordinate to all of the terms, covenants and conditions of the Prime Lease and
to the  matters  to which  the  Prime  Lease  shall be  subordinate,  each as it
pertains to the Subleased Premises.

10.      INCORPORATION OF PRIME LEASE TERMS

The terms,  covenants  and  conditions  contained  in the Prime Lease are hereby
incorporated  herein and shall,  as between  Sublessor and Sublessee and as they
pertain  to  the  Subleased  Premises,   constitute  the  terms,  covenants  and
conditions of this Sublease,  except to the extent  otherwise  specifically  set
forth in this  Sublease,  except to the extent  inconsistent  with the terms and
conditions  of this  Sublease,  and except to the extent not  applicable  to the
Subleased Premises.  As between the parties hereto,  Sublessor agrees to observe
and perform the terms,  covenants and  conditions on its part to be observed and
performed  hereunder and under the Prime Lease and Sublessee  agrees to be bound
by the  provisions of the Prime Lease as it pertains to the  Subleased  Premises
and to keep, observe and perform the terms,  covenants and conditions pertaining
to the  Subleased  Premises  on its  part to be  kept,  observed  and  performed
hereunder as well as those  applicable  terms,  covenants  and  conditions to be
observed and performed by Sublessor as Tenant under the Prime Lease with respect
to the  Subleased  Premises.  The  remedies of the  parties,  as  Sublessor  and
Sublessee  hereunder,  shall  be the  same  as the  respective  remedies  of the
Landlord  and the Tenant  under the Prime  Lease with  respect to the  Subleased
Premises.  Sublessee  shall  in no case  have any  rights  with  respect  to the
Subleased  Premises greater than  Sublessor's  rights as Tenant under the Lease,
and  Sublessor  shall have no liability to Sublessee for any matter or thing for
which Sublessor does not have co-extensive rights as Tenant under the Lease.

The  following  articles and  provisions of the Prime Lease do not apply to, and
shall not be a part of, this Sublease:

            ARTICLE                     PAGE

   1.01,1.02,1.03,1.04, 1.05 & 1.07     1-3
            Article III                 7-8 (with the exception of Section 3.01)

            Article IV                  8-10
            Article XV                  24

11.      MUTUAL INDEMNIFICATION

Neither  Sublessor nor Sublessee  shall do or permit to be done any act or thing
in or with respect to the Subleased  Premises which will  constitute a breach or
violation of any of the terms,  covenants or conditions of the Prime Lease which
pertain to the Subleased  Premises.  Each shall indemnify the other,  defend and
hold the other  harmless from and against all claims,  losses,  costs,  expenses
(including reasonable  attorney's fees), damages and liability,  which the other
may pay or  incur by  reason  of (i) any  breach  or  default  by  Sublessee  or
Sublessor  under  this  Sublease,  (ii)  any  work  done in or to the  Subleased
Premises by Sublessee or Sublessor or its  servants,  employees or  contractors,
(iii) any act,  omission,  negligence or other fault on the part of Sublessee or
Sublessor or any of their servants, employees, agents, contractors,  invitees or
licensees, (iv) any accident, injury or damage whatsoever to any person, firm or
corporation  occurring  during the Term in the Subleased  Premises,  and (v) any
holdover by Sublessee in the Subleased  Premises  beyond the expiration  date of
the Sublease.

12.      LIABILITY INSURANCE

At all times  during the Term,  Sublessee  shall,  at its own cost and  expense,
provide and keep in force for the benefit of Landlord,  Sublessee and Sublessor,
commercial general liability  insurance against claims for bodily injury,  death
or property damage occurring in, on or about the Subleased Premises, with limits
as specified in the Prime Lease.  The insurance to be provided and kept in force
hereunder by Sublessee shall include  Sublessee,  as insured,  and Sublessor and
Landlord, as additional insureds. Said policy shall be obtained by Sublessee and
certificates  thereof delivered to Sublessor  promptly after the signing of this
Sublease.  Said policy shall be for a period of not less than one year and shall
contain a provision  whereby the same cannot be  materially  changed or canceled
unless  Sublessor  is given at least  thirty (30) days'  written  notice of such
material change or cancellation.  Sublessee shall obtain and

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pay for renewals of such  insurance  from time to time at least thirty (30) days
before the expiration thereof, and Sublessee shall promptly deliver certificates
thereof to  Sublessor.  Any  insurance  required  to be  provided  by  Sublessee
pursuant to this  Sublease  may be provided by blanket  insurance  covering  the
Subleased Premises and other properties of Sublessee upon condition that (i) the
amount of the insurance  allocated to the Subleased Premises shall be such as to
furnish in protection the equivalent of separate insurance in the amounts herein
provided,   (ii)  such  blanket  insurance   complies  with  all  of  the  other
requirements  of  this  Sublease  and is  acceptable  to the  Sublessor  and the
Landlord,  and (iii)  certificates  of such insurance are delivered to Sublessor
and Landlord.  Sublessee  shall obtain and pay for  insurance on its  equipment,
furnishings,  furniture and other personal property in the Subleased Premises as
it deems reasonable or appropriate.

13.      RESTRICTION ON ASSIGNMENTS, ETC.

Sublessee shall not, by operation of law or otherwise,  assign, mortgage, pledge
or encumber  this  Sublease,  or underlet or suffer or permit all or any part of
the  Subleased  Premises  to be used or  occupied  by others,  without the prior
written  consent of Landlord (to the extent  required under the Prime Lease) and
Sublessor  in  each  instance,  which  consent  as to  Sublessor  shall  not  be
unreasonably withheld,  conditioned or delayed.  Nothwithstanding the foregoing,
without  Sublessor's  consent but upon at least ten (10) days'  prior  notice to
Sublessor,  Sublessee may assign this Sublease or sublet the Subleased  Premises
to any affiliate of Sublessee,  or in connection with any merger,  consolidation
or sale of all or substantially all (i.e., more than 80%) of Sublessee's assets.
For purposes of the foregoing, "affiliate" shall mean any entity which, directly
or  indirectly,  controls,  is under  control by, or under common  control with,
Sublessee.

14.      ALTERATIONS

Sublessee shall not perform any additions,  alterations and  improvements to the
Subleased  Premises,  or any part thereof,  without the prior written consent of
Landlord  (to the extent  required  under the Prime  Lease) and  Sublessor,  and
otherwise in full  compliance  with all of the applicable  terms,  covenants and
conditions of the Prime Lease.

15.      APPROVALS

In any  instance  where the  approval or consent of  Sublessor  or  Sublessee is
required hereunder,  such consent or approval shall not be unreasonably withheld
or delayed.  However,  any refusal by Sublessor to consent or approve any matter
requested by  Sublessee  shall be deemed  reasonable  if Landlord has refused to
give consent or approval  thereto whenever such consent or approval is necessary
under the Prime Lease.

16.      NOTICES

Any notice,  demand,  bill,  invoice,  statement or  communication  which either
Sublessor  or  Sublessee  may  desire  or be  required  to give to the  other in
connection  with this  Sublease  shall be in writing and shall be deemed to have
been  sufficiently  given if sent by (i)  Certified or Registered  Mail,  Return
Receipt Requested,  or (ii) a nationally  recognized overnight courier,  such as
Airborne  Express,  Federal Express or United Parcel, to such other party at the
following addresses:

To Sublessor:                 American Skandia Information Services and
                              Technology Corporation
                              C/o The Prudential Insurance Company of America
                              Corporate Real Estate - Lease Administration
                              P.O. Box 1079
                              Newark, New Jersey 07101-1079

Overnight Delivery:           American Skandia Information Services and
                              Technology Corporation
                              C/o The Prudential Insurance Company of America
                              Corporate Real Estate - Lease Administration
                              Two Gateway Center - 17th Floor
                              Newark, New Jersey 07102

         To Sublessee:        Enhanced Care Initiatives of Connecticut, Inc.
                              6 Corporate Drive
                              Shelton, Connecticut 06484
                              Attention:

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With a copy to:

         To Landlord:         4 Enterprise Drive -Shelton LLC
                              C/o R. D. Scinto
                              One Corporate Drive
                              Shelton, Connecticut 06484
                              Attention: Mr. Robert D. Scinto

Each such bill, invoice,  statement,  notice or communication shall be deemed to
have been delivered on the date when the original of same is received.

17.      TIME LIMITS

The time limits set forth in the Prime Lease for the  performance  of any act or
the making of any payment  are, for the  purposes of this  Sublease,  changed so
that the time of Sublessee in a particular  case  hereunder to do or perform any
act or make any payment  shall be three days less than the time of  Sublessor as
tenant  under the Prime  Lease to do so in such case,  provided,  however,  that
unless  otherwise  specifically so provided in this Sublease,  in no event shall
such time be less than ten (10) days after  Sublessee's  receipt of  Sublessor's
notice of the requirement of any such payment or performance of any such act.

18.      SERVICES

Sublessee  shall be entitled to receive all of the  services  pertaining  to the
Subleased Premises which Sublessor is entitled to receive under the Prime Lease.
Sublessee  recognizes  that such services are to be supplied by Landlord and not
by Sublessor.  In the event that Landlord  shall fail to supply such services or
shall refuse to comply with any of the  provisions of the Prime Lease insofar as
they affect Sublessee's occupancy of the Subleased Premises, Sublessor shall, at
the written request of Sublessee,  request Landlord to so comply and if Landlord
shall fail or refuse to do so then, to the extent  permitted by the terms of the
Prime Lease,  Sublessee shall have the right to exercise, in its own name and in
the name of Sublessor,  all of the rights to enforce  performance on the part of
Landlord as are available to Sublessor,  provided that the same shall be without
cost,  expense or liability to Sublessor.  Sublessor shall be under no liability
to  Sublessee  in the event of the failure by  Landlord to supply any  services,
unless the same is due to the fault of Sublessor.

19.      LANDLORD'S CONSENT

This  Sublease is subject to the  consent of  Landlord  and shall have no effect
until  Landlord  shall  have given its  written  consent  to this  Sublease  and
Sublessor  shall use its best efforts to obtain such consent.  If Landlord shall
refuse to consent to this Sublease, Sublessor shall not be obligated to take any
legal action to obtain such consent,  and this Sublease shall be deemed null and
void and of no force and effect.

20.      BROKERAGE

Sublessor and  Sublessee  warrant and represent to each other that in connection
with this  Sublease,  neither has dealt with any brokers other than GVA Williams
Real Estate  (represented  by Ken Abrahams) and REMAX of Trumbull,  Connecticut.
Sublessor and Sublessee shall each indemnify, defend and hold the other harmless
(including  the payment of  attorney's  fees) from any claim of any other broker
that  Sublessee  or  Sublessor  had,  or is alleged to have had,  dealings  with
concerning  this  Sublease.  Sublessor will pay GVA Williams Real Estate and GVA
Williams  Real Estate shall pay REMAX of Trumbull,  Connecticut  commissions  in
accordance with the terms of separate agreements.

21.      TERMINATION OF PRIME LEASE

If for any reason  whatsoever  the Prime Lease shall be terminated  prior to the
Expiration  Date of this Sublease,  this Sublease shall  thereupon be IPSO FACTO
terminated  and  Sublessor  shall not be liable to Sublessee by reason  thereof,
unless said  termination  shall have been  effected  because of a default on the
part of  Sublessor as Tenant under the Prime Lease which was not the result of a
default by Sublessee, or a default on the part of Sublessor under this Sublease.
Notwithstanding  anything in this Sublease to the contrary, so long as Sublessee
is not in default hereunder, Sublessor shall not terminate the Prime Lease prior
to the expiration date of this Sublease, and shall not

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otherwise  modify or amend the Prime Lease in any manner  which will  materially
and adversely affect any right or obligation of Sublessee under this Sublease.

22.      SURRENDER OF SUBLEASED PREMISES; HOLDING OVER

(a)      This Sublease shall expire and Sublessee shall deliver up and surrender
possession  of the  Subleased  Premises to Sublessor on the last day of the term
hereof.  Upon the expiration or sooner  termination of this Sublease,  Sublessee
covenants to deliver up and surrender  possession  of the Subleased  Premises in
the same  condition in which  Sublessee has agreed to maintain and keep the same
during the term of this  Sublease  in  accordance  with the  provisions  of this
Sublease and the Prime Lease, normal wear and tear excepted.

(b)      Upon the failure of Sublessee to surrender  possession of the Subleased
Premises to Sublessor upon the expiration or sooner termination of this Sublease
without the consent of  Sublessor,  Sublessee  shall pay to  Sublessor an amount
equal to 1.5 the then current Base Rent and Additional  Rent required to be paid
by Sublessee under this Sublease, applied to any period in which Sublessee shall
remain  in  possession  after  the  expiration  or  sooner  termination  of this
Sublease.  Acceptance by Sublessor of Base Rent after such expiration or earlier
termination shall not constitute a consent to a holdover  hereunder or result in
a renewal.  The foregoing provisions of this paragraph are in addition to and do
not  affect  Sublessor's  right to  reentry  or any other  rights  of  Sublessor
hereunder or otherwise provided by law.

(c)      In addition to the foregoing provisions, Sublessee hereby covenants and
agrees to indemnify and hold  Sublessor  harmless from and against all costs and
expenses,  including legal fees and any judgment for monetary damages,  incurred
and/or  paid by  Sublessor  under  the Prime  Lease as a result  of  Sublessee's
holdover.

23.      CAPTIONS

The captions in this Sublease are used for  convenience  and reference  only and
are not to be taken as part of this  Sublease or to be used in  determining  the
intent of the parties or otherwise interpreting this Sublease.

24.      SUCCESSORS AND ASSIGNS

This  Sublease  shall be binding upon and inure to the benefit of Sublessor  and
Sublessee and their respective successors and permitted assigns.

25.      SECURITY DEPOSIT

         Together  with  Sublessee's  execution  and delivery of this  Sublease,
Sublessee shall deposit with Sublessor the sum of Thirteen Thousand Five Hundred
Forty-Three and 00/100 ($13,543.00)  DOLLARS ("Security  Deposit") to be held as
collateral  security for the payment of the Base Rent,  additional  rent and all
other  sums of money  payable by  Sublessee  under  this  Sublease,  and for the
faithful  performance of all other  covenants and agreements of Sublessee  under
this  Sublease.  The  Security  Deposit,  without  interest,  shall be repaid to
Sublessee  within 30 days  after the  expiration  date of this  Lease,  provided
Sublessee  shall have made such payments and  performed  all such  covenants and
agreements. Upon any default by Sublessee hereunder, at Sublessor's sole option,
Sublessor  may apply all or part of the  Security  Deposit  on  account  of such
default,  and thereafter Sublessee shall promptly restore the original amount of
the Security Deposit.

         Provided  that  Sublessee has not been in default under the Sublease at
anytime  during  the first two (2)  years of the  Term,  then the  amount of the
Security  Deposit shall be reduced to $9,029.00 at the beginning of the 3rd year
of the Term.

         At Sublessee's  option and expense,  Sublessee may elect to post as the
Security Deposit an irrevocable and unconditional letter of credit in the amount
of  $13,543.00,  in the name of  Sublessor as  Beneficiary  and issued by a bank
reasonably  satisfactory  to  Sublessor.  At least thirty (30) days prior to the
expiration date of the letter of credit,  Sublessee shall deliver to Sublessor a
replacement (i.e.  renewal) letter of credit.  Sublessor shall have the right to
draw all amounts available under the letter of credit or any replacement  letter
of credit:

         i.       At any  time  upon  the  occurrence  of any  uncured  event of
                  default under this Sublease; or

         ii.      Upon  Sublessee's  failure to deliver a replacement  letter of
                  credit.

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26.      MISCELLANEOUS

(a)      Sublessor  represents  that the copy of the Prime Lease attached hereto
as EXHIBIT B is a true, full and complete copy of the Prime Lease.

(b)      Sublessor represents that: (i) Sublessor has not received any notice of
default or termination of the Prime Lease; (ii) the Prime Lease is in full force
and  effect;  (iii)  Sublessor  is not in default of the Prime Lease and, to the
best of  Sublessor's  knowledge,  Landlord is not in default of the Prime Lease;
(iv) Sublessor  shall not enter into any agreement that will modify or amend the
Prime Lease so as to increase or materially  affect the obligations of Sublessee
pursuant to this  Sublease,  or adversely  affect  Sublessee's  right to use and
occupy  the  Subleased  Premises  or any other  rights of  Sublessee  under this
Sublease;  and (iv)  Sublessor  has full right and  authority to enter into this
Sublease.

(c)      Sublessor  covenants with Sublessee that Sublessor will keep the Master
Lease in full force and effect at all times  during the term  hereof.  Sublessor
shall not amend or  modify  the  Master  Lease in any way which  would  increase
Sublessee's  obligations  or liability  hereunder or  materially  and  adversely
affect any right of Sublessee hereunder, whether actual or potential.

(d)      The Sublessor  covenants and agrees with the Sublessee  that  Sublessee
shall  peaceably  and quietly have,  hold and enjoy the  Premises,  for the term
hereof,  without  hindrance  or  molestation  from  Sublessor or from any person
lawfully  claiming by, from or under the  Sublessor,  subject,  however,  to the
exceptions,   exculpations,   reservations  and  conditions  contained  in  this
Sublease.

(e)      In the event that either  party  hereof  commences an action to enforce
any of the  provisions of this  Sublease,  the  prevailing  party in such action
shall be entitled to collect all of the costs of such action (including, without
limitation, attorney's fees and court costs) from the other party.

27.      Landlord's Work

At Landlord's expense, Landlord shall (i) demise the Subleased Premises and (ii)
fit-out the Subleased  Premises for Sublessee in  Landlord's  Building  standard
manner in accordance with the provisions of the Prime Lease.

IN WITNESS WHEREOF, this Sublease has been executed as of the day and year first
above written.

WITNESS:                                    SUBLESSOR:
                                            AMERICAN SKANDIA INFORMATION
                                            SERVICES AND TECHNOLOGY CORPORATION

By: /s/                                     By: /s/
   -----------------------------               -------------------------------
                                               Name:
                                               Title:

ATTEST:                                     SUBLESSEE:
                                            ENHANCED CARE INITIATIVES OF
                                            CONNECTICUT, INC.

By: /s/                                     By: /s/
   -----------------------------               -------------------------------
                   Secretary                   Name:
                                               Title:

LANDLORD'S CONSENT:

                                       7
<PAGE>

         Landlord hereby consents to the foregoing Sublease Agreement and agrees
to  perform  Landlord's  obligations  in Article  27 of the  Sublease.  Landlord
further  agrees that Landlord will not require  Sublessor or Sublessee to remove
the initial  tenant  improvement  work or any approved  alterations,  or require
restoration of the Subleased  Premises at the end of the Term.  Landlord further
agrees  to enter  into a direct  lease  with  Sublessee,  on the same  terms and
conditions contained in this Sublease, if the Prime Lease is terminated prior to
the end of the Term of the Sublease.

4 ENTERPRISE DRIVE-SHELTON LLC

By: /s/ Robert D. Scinto
   ------------------------------------
        Robert D. Scinto, President

                                       8
<PAGE>

                                    EXHIBIT A

                        FLOOR PLAN OF SUBLEASED PREMISES

<PAGE>

                                   EXHIBIT B

                                  PRIME LEASEExhibit 10.4

                          REGISTRATION RIGHTS AGREEMENT

           THIS  REGISTRATION  RIGHTS  AGREEMENT (this  "AGREEMENT") is made and
  entered  into as of  _________,  2005 by and  among HC  INNOVATIONS,  INC.,  a
  Delaware  corporation  (the  "COMPANY"),  and the persons and entities who are
  signatories hereto (the " HOLDERS").

                                   BACKGROUND

         The Holders have severally agreed to purchase from the Company, and the
Company has agreed to sell to the Holders an aggregate of  $1,200,000  principal
amount  Convertible  Debentures of the Company  (collectively,  the "CONVERTIBLE
DEBENTURES")  and  1,200,000  shares of the Company's  voting common stock,  par
value  $.01 per  share,  (collectively,  the  "COMMON  STOCK")  on the terms and
conditions set forth in certain Subscription Agreements of even date herewith by
and between the Company and each of the  Holders,  as amended  from time to time
(collectively, the "SUBSCRIPTION AGREEMENTS").

         The  Holders  have been  informed  that  following  the  execution  and
delivery of the  Subscription  Agreements  and the  issuance of the  Convertible
Debentures and Common Stock,  the Company may be merged with or into or acquired
by a public company (the "PUBLIC  COMPANY  SUCCESSOR"),  with the Public Company
Successor as the surviving entity of such merger or acquisition,  all upon terms
and  conditions,  including,  without  limitation,  the assumption by the Public
Company Successor of the Company's obligations under this Agreement, as shall be
satisfactory  to  the  Company.   After  the  consummation  of  such  merger  or
acquisition,  the Public  Company  Successor  would  become a reporting  company
pursuant to Section  13(a) or Section  15(d) of the  Securities  Exchange Act of
1934 (the "EXCHANGE ACT") and the Public Company  Successor's common stock would
be listed or quoted for trading, as applicable,  on one of the following markets
or exchanges:  the Nasdaq SmallCap Market, the American Stock Exchange,  the New
York Stock Exchange, the Nasdaq National Market or the OTC Bulletin Board (each,
a "TRADING MARKET") or continued to be reported in the "Pink Sheets".

         The Holders  will  receive one share of Common Stock for each Dollar of
principal amount of the Debentures purchased. The Convertible Debentures provide
that in certain  circumstances  such Debentures are convertible  into the voting
common stock of the Public Company  Successor (the  "CONVERSION  SHARES").  This
Agreement provides that the Holders shall be granted certain registration rights
with  respect to the Common Stock and the  Conversion  Shares upon the terms and
subject to the conditions as hereinafter set forth.

         The parties agree as follows:

         1.       CERTAIN DEFINITIONS. As used herein, the following terms shall
have the following respective meanings:

         "COMMISSION"  shall mean the Securities and Exchange  Commission or any
other Federal agency at the time administering the Securities Act.

<PAGE>

         "RESTRICTED  STOCK" shall mean the Common Stock and Conversion  Shares,
the  certificates for which are required to bear the legend set forth in Section
2 hereof.

         "REGISTRANT" shall mean the Company or the Public Company Successor, as
applicable.

         "SECURITIES ACT" shall mean the Securities Act of 1933, as amended,  or
any similar  Federal  statute,  and the rules and  regulations of the Commission
thereunder, all as the same shall be in effect at the time.

         2.       RESTRICTIVE LEGEND. The Common Stock and Conversion Shares and
each  certificate  representing  such Restricted  Stock and, except as otherwise
provided in Section 3 hereof,  each certificate issued upon exchange or transfer
of any such  securities  shall be stamped or otherwise  imprinted  with a legend
substantially in the following form:

         "THE SECURITIES  WHICH ARE REPRESENTED BY THIS CERTIFICATE HAVE
         NOT BEEN  REGISTERED  UNDER  THE  SECURITIES  ACT OF  1933,  AS
         AMENDED,  AND MAY NOT BE  SOLD,  TRANSFERRED,  HYPOTHECATED  OR
         OTHERWISE  DISPOSED  OF  UNTIL A  REGISTRATION  STATEMENT  WITH
         RESPECT  THERETO IS DECLARED  EFFECTIVE  UNDER SUCH ACT, OR THE
         COMPANY  RECEIVES AN OPINION OF COUNSEL FOR THE COMPANY THAT AN
         EXEMPTION  FROM THE  REGISTRATION  REQUIREMENTS  OF SUCH ACT IS
         AVAILABLE."

         3.       NOTICE OF PROPOSED TRANSFER. Prior to any proposed transfer of
any Restricted Stock (other than under the circumstances  described in Section 4
hereto,  the holder  thereof shall give written  notice to the Registrant of its
intention to effect such transfer. Each such notice shall describe the manner of
the proposed transfer and, if requested by the Registrant,  shall be accompanied
by an opinion of counsel  satisfactory  to the Registrant to the effect that the
proposed transfer may be effected without registration under the Securities Act,
whereupon  such  holder  shall  be  entitled  to  transfer  such  securities  in
accordance  with the terms of its notice.  All Restricted  Stock  transferred as
above  provided  shall bear the legend set forth in Section 2,  except that such
securities shall not bear such legend if (i) such transfer is in accordance with
the  provisions  of Rule 144 (or any other rule  permitting  public sale without
registration  under the Securities Act) or (ii) the opinion of counsel  referred
to  above  is to the  further  effect  that the  transferee  and any  subsequent
transferee  (other than an  affiliate  of the  Registrant)  would be entitled to
transfer  such  securities  in a public  sale  without  registration  under  the
Securities Act.

         4.       PIGGYBACK REGISTRATION. From and after the final closing under
the  Subscription  Agreements  and until such time as the holders of  Restricted
Stock rights  terminate  hereunder in accordance  with the terms hereof,  if the
Registrant  at any time  proposes to register  any of its  securities  under the
Securities  Act for sale to the  public,  whether for its own account or for the
account of other security  holders or both (other than a registration  statement
associated  with the merger of the  Registrant  with a public company or similar
transaction  or in connection a  registration  statement for the initial  public
offering of the Registrant's common stock or a

                                     - 2 -
<PAGE>

registration on Form-S-4,  Form S-8 or other limited purpose form), then in each
instance,  it will give written notice to all holders of Restricted Stock of its
intention so to do, PROVIDED,  HOWEVER,  that for the purposes of this sentence,
the  Registrant  shall treat the  holders  hereof in the same manner and IN PARI
PASSU with all other holders of unregistered capital stock of the Registrant who
(i) have registration  rights with respect to such stock or (ii) presently or at
any  time  hereafter  are  officers,   directors,  or  5%  shareholders  of  the
Registrant,  or any affiliate,  successor,  or assign thereof.  Upon the written
request  of any such  holders,  given  within 20 days after the date of any such
notice,  to register any of its Restricted  Stock (which request shall state the
intended  method  of  disposition  thereof),  the  Registrant  will use its best
efforts to cause the Restricted Stock as to which  registration  shall have been
so requested to be included in the securities to be covered by the  registration
statement  proposed to be filed by the Registrant all to the extent requisite to
permit the sale or other  disposition  by the  holders (in  accordance  with its
written  request) of such  Restricted  Stock so  registered.  The Registrant may
withdraw any such registration statement before it becomes effective or postpone
the offering of securities  contemplated by such registration  statement without
any obligation to the holders of any Restricted Stock.

         In the event that any registration pursuant to this Section 4 shall be,
in whole or in part,  an  underwritten  public  offering  of common  stock,  any
request by holders pursuant to this Section 4 to register Restricted Stock shall
specify that such Restricted  Stock is to be included in the underwriting on the
same terms and  conditions  as the shares of common stock  otherwise  being sold
through underwriters under such registration. The number of shares of Restricted
Stock to be included in such an underwriting may be cut back (PRO RATA among the
requesting holders) if and to the extent that the managing  underwriter shall be
of the opinion that such inclusion would  adversely  affect the marketing of the
securities to be sold by the Registrant therein.

         Notwithstanding  anything to the contrary  contained in this Section 4,
in the  event  that  there is an  underwritten  offering  of  securities  of the
Registrant  pursuant to a registration  covering  Restricted Stock and a selling
holder of  Restricted  Stock does not elect to sell his,  her or its  Restricted
Stock to the underwriters of the Registrant's securities in connection with such
offering,  such holder shall  refrain from  selling  such  Restricted  Stock not
registered  pursuant to this Section 4 during the period of  distribution of the
Registrant's  securities  by such  underwriters  and the  period  in  which  the
underwriting syndicate participates in the after market; PROVIDED, HOWEVER, that
such holder shall,  in any event,  be entitled to sell its  Restricted  Stock in
connection  with  such  registration  commencing  on the  180th  day  after  the
effective date of such registration statement.

         5.       REGISTRATION  PROCEDURES.  If and whenever the  Registrant  is
required by the provisions of Section 4 hereof to use its best efforts to effect
the registration of any shares of Restricted Stock under the Securities Act, the
Registrant will, as expeditiously as possible:

         (a)      prepare and file with the Commission a registration  statement
(which,  in the case of an underwritten  public  offering  pursuant to Section 4
hereof, shall be on Form S-1 or other form of general applicability satisfactory
to the managing  underwriter  selected as therein provided) with respect to such
securities and use its best efforts to cause such registration

                                     - 3 -
<PAGE>

statement  to become and  remain  effective  for the period of the  distribution
contemplated thereby (determined as hereinafter provided),

         (b)      prepare  and file  with the  Commission  such  amendments  and
supplements to such registration statement and the prospectus used in connection
therewith as may be necessary to keep such registration  statement effective for
the period specified in Section 5 (a) above and as to comply with the provisions
of the  Securities Act with respect to the  disposition of all Restricted  Stock
covered by such registration  statement in accordance with the sellers' intended
method of disposition set forth in such registration statement for such period;

         (c)      furnish to each seller and to each  underwriter such number of
copies  of the  registration  statement  and  the  prospectus  included  therein
(including each preliminary  prospectus) as such persons may reasonably  request
in order to facilitate  the public sale or other  disposition  of the Restricted
Stock covered by such registration statement;

         (d)      use its best  efforts to register  or qualify  the  Restricted
Stock covered by such  registration  statement  under the securities or blue sky
laws of such jurisdictions as the sellers of Restricted Stock or, in the case of
an underwritten  public  offering,  the managing  underwriter  shall  reasonably
request;

         (e)      immediately   notify  each  seller  under  such   registration
statement and each underwriter,  at any time when a prospectus  relating thereto
is required to be delivered  under the  Securities  Act, of the happening of any
event as a  result  of  which  the  prospectus  contained  in such  registration
statement, as then in effect, includes an untrue statement of a material fact or
omits to state any material fact required to be stated therein not misleading in
the light of the circumstances then existing;

         (f)      use its best efforts to furnish, at the request of any seller,
on the date that  Restricted  Stock is  delivered to the  underwriters  for sale
pursuant  to such  registration:  (i) an  opinion  dated  such  date of  counsel
representing the Registrant for the purposes of such registration,  addressed to
the underwriters in a form and substance as is customarily given to underwriters
in an underwritten  public offering,  and (ii) a letter dated such date from the
independent  public  accountants  retained by the  Registrant,  addressed to the
underwriters  in a form and  substance as is  customarily  given by  independent
public accountants to underwriters in an underwritten public offering; and

         (g)      make available for inspection by any underwriter participating
in any distribution pursuant to such registration  statement,  and any attorney,
accountant or other agent retained by such underwriter,  all financial and other
records,  pertinent  corporate  documents and properties of the Registrant,  and
cause  the  Registrant's  officers,   directors  and  employees  to  supply  all
information reasonably requested by any such underwriter,  attorney,  accountant
or agent in connection with such registration statement.

         For  purposes  of  Sections  5  (a)  and  (b)  above,   the  period  of
distribution  of  Restricted  Stock  in a firm  commitment  underwritten  public
offering shall be deemed to extend until each

                                     - 4 -
<PAGE>

underwriter has completed the  distribution  of all securities  purchased by it,
and the period of  distribution  of Restricted  Stock in any other  registration
shall be deemed to extend until the earlier of the sale of all Restricted  Stock
covered thereby or nine months after the effective date thereof.

         In connection with each registration hereunder,  the selling holders of
Restricted Stock will furnish to the Registrant in writing such information with
respect  to  themselves  and the  proposed  distribution  by them  as  shall  be
necessary  in order to assure  compliance  with  Federal  and  applicable  state
securities laws or as the Registrant may reasonably request.

         In  connection  with each  registration  pursuant  to  Section 4 hereof
covering an underwritten public offering,  the Registrant agrees to enter into a
written agreement with the managing  underwriter  selected in the manner herein,
in such form and containing  such  provisions as are customary in the securities
business for such an arrangement.

         6.       EXPENSES. All expenses incurred by the Registrant in complying
with Section 4 hereof,  including,  without  limitation,  all  registration  and
filing  fees,   printing  expenses,   fees  and  disbursements  of  counsel  and
independent  public  accountants  for  the  Registrant,  fees  of  the  National
Association of Securities Dealers, Inc., fees of transfer agents and registrars,
but excluding any Selling Expenses,  are herein called "REGISTRATION  EXPENSES".
All underwriting discounts and selling commissions and transfer taxes applicable
to the sale of Restricted Stock are herein called "SELLING EXPENSES".

         The Registrant  will pay all  Registration  Expenses in connection with
each  registration  statement  filed  pursuant to Section 4 hereof.  All Selling
Expenses  incurred  in  connection  with  any  sale of  Restricted  Stock by any
participating  seller  shall be borne by such  participating  seller  or by such
persons other than the Registrant  (except to the extent the Registrant shall be
a seller) as they may agree.

         7.       INDEMNIFICATION.  In the event of a registration of any of the
Restricted  Stock under the  Securities  Act  pursuant to Section 4 hereof,  the
Registrant will indemnify and hold harmless each seller of such Restricted Stock
thereunder and each  underwriter of such  Restricted  Stock  thereunder and each
other person, if any, who controls such seller or underwriter within the meaning
of the Securities Act, against any and all losses, claims, damages,  expenses or
liabilities,   joint  or  several,  to  which  such  seller  or  underwriter  or
controlling  person may become  subject under the  Securities  Act or otherwise,
insofar as such losses,  claims,  damages or liabilities  (or actions in respect
thereto  arise out of or are based upon any untrue  statement or alleged  untrue
statement of any material fact  contained in any  registration  statement  under
which such Restricted  Stock was registered under the Securities Act pursuant to
Section 4, any preliminary  prospectus or final prospectus contained therein, or
any  amendment  or  supplement  thereof,  or arise out of or are based  upon the
omission or alleged  omission to state  therein a material  fact  required to be
stated therein or necessary to make the statements  therein not misleading,  and
will reimburse each such seller, each such underwriter and each such controlling
person for any legal or other expenses reasonably incurred by them in connection
with investigating or defending any such loss, claim, damage, liability, expense
or action; PROVIDED,

                                     - 5 -
<PAGE>

HOWEVER,  that the Registrant  will not be liable in any such case if and to the
extent that any such loss, claim,  damage or liability arises out of or is based
upon an untrue  statement  or alleged  untrue  statement  or omission or alleged
omission so made in conformity with information  furnished by such seller,  such
underwriter or such controlling  person in writing  specifically for use in such
registration statement or prospectus.

         In the event of a registration of any of the Restricted Stock under the
Securities  Act  pursuant to Section 4 hereof,  each  seller of such  Restricted
Stock  thereunder,  severally and not jointly,  will indemnify and hold harmless
the Registrant and each person,  if any, who controls the Registrant  within the
meaning of the  Securities  Act,  each officer of the  Registrant  who signs the
registration  statement,  each director of the Registrant,  each underwriter and
each person who controls any  underwriter  within the meaning of the  Securities
Act,  against all losses,  claims,  damages,  expenses or liabilities,  joint or
several,  to which the  Registrant or such officer or director or underwriter or
controlling  person may become  subject under the  Securities  Act or otherwise,
insofar as such losses, claims, damages,  expenses or liabilities (or actions in
respect  thereof) arise out of or are based upon any untrue statement or alleged
untrue  statement of any material fact contained in the  registration  statement
under  which such  Restricted  Stock was  registered  under the  Securities  Act
pursuant to Section 4, any preliminary  prospectus or final prospectus contained
therein,  or any amendment or supplement  thereof,  or arise out of or are based
upon the omission or alleged  omission to state therein a material fact required
to be stated therein or necessary to make the statements therein not misleading,
and will reimburse the Registrant and each such officer,  director,  underwriter
and controlling  person for any legal or other expenses  reasonably  incurred by
them in connection with investigating or defending any such loss, claim, damage,
liability  or action,  and  PROVIDED,  HOWEVER,  that such seller will be liable
hereunder in any such case if and only to the extent that any such loss,  claim,
damage  or  liability  arises  out of or is based  upon an untrue  statement  or
alleged untrue  statement or omission or alleged  omission made in reliance upon
and in conformity with information pertaining to such seller, as such, furnished
in  writing  to the  Registrant  by  such  seller  specifically  for use in such
registration  statement or  prospectus;  PROVIDED,  FURTHER,  HOWEVER,  that the
liability of each seller  hereunder  shall be limited to the  proportion  of any
such loss, claim, damage,  liability or expense which is equal to the proportion
that the public  offering  price of the shares  sold by such  seller  under such
registration  statement  bears  to  the  total  public  offering  price  of  all
securities  sold  thereunder,  but not to exceed the  proceeds  received by such
seller from the sale of Restricted Stock covered by such registration statement.

         Promptly after receipt by an indemnified  party  hereunder of notice of
the  commencement  of any action,  such  indemnified  party shall, if a claim in
respect thereof is to be made against the indemnifying  party hereunder,  notify
the  indemnifying  party in writing  thereof,  but the omission so to notify the
indemnifying  party shall not relieve it from any liability which it may have to
any  indemnified  party under this  Section 7. In case any such action  shall be
brought against any indemnified party and it shall notify the indemnifying party
of the  announcement  thereof,  the  indemnifying  party  shall be  entitled  to
participate  in and, to the extent it shall wish,  to assume and  undertake  the
defense thereof with counsel reasonably  satisfactory to such indemnified party,
and, after notice from the indemnifying  party to such indemnified  party of its
election to assume and undertake the defense  thereof,  the  indemnifying  party
shall not be liable to such

                                     - 6 -
<PAGE>

indemnified  party  under  this  Section 7 for any legal  expenses  subsequently
incurred by such indemnified  party in connection with the defense thereof other
than reasonable costs of investigation  and of liaison with counsel so selected;
PROVIDED,  HOWEVER,  that, if the defendants in any such action include both the
indemnified  party and the  indemnifying  party and the indemnified  party shall
have reasonably  concluded that there may be reasonable defenses available to it
which are different  from or additional to those  available to the  indemnifying
party or if the interests of the indemnified  party  reasonably may be deemed to
conflict with the interests of the  indemnifying  party,  the indemnified  party
shall  have the right to select a  separate  counsel  and to assume  such  legal
defenses and otherwise to  participate  in the defense of such action,  with the
expenses and fees of such separate  counsel and other  expenses  related to such
participation to be reimbursed by the indemnifying party as incurred.

         Notwithstanding  the foregoing,  any  indemnified  party shall have the
right  to  retain  its  own  counsel  in any  such  action,  but  the  fees  and
disbursements of such counsel shall be at the expense of such indemnified  party
unless (i) the  indemnifying  party shall have failed to retain  counsel for the
indemnified  person  as  aforesaid  or (ii)  the  indemnifying  party  and  such
indemnified  party shall have mutually  agreed to the retention of such counsel.
It is understood that the  indemnifying  party shall not, in connection with any
action or related actions in the same  jurisdiction,  be liable for the fees and
disbursements  of more than one separate firm qualified in such  jurisdiction to
act as counsel for the indemnified  party. The  indemnifying  party shall not be
liable  for any  settlement  of any  proceeding  effected  without  its  written
consent,  but if settled with such  consent or if there be a final  judgment for
the plaintiff,  the indemnifying party agrees to indemnify the indemnified party
from and against any loss or liability by reason of such settlement or judgment.
If the indemnification  provided for in the first two paragraphs of this Section
7 is unavailable to or insufficient to hold harmless an indemnified  party under
such  paragraphs in respect of any losses,  claims,  damages or  liabilities  or
actions in respect thereof  referred to therein,  then each  indemnifying  party
shall in lieu of indemnifying  such  indemnified  party contribute to the amount
paid or payable by such  indemnified  party as a result of such losses,  claims,
damages, liabilities or actions in such proportion as appropriate to reflect the
relative  fault of the  Registrant,  on the one hand,  and the  sellers  of such
Restricted  Stock,  on the other,  in connection with the statement or omissions
which resulted in such losses, claims, damages,  liabilities or actions, as well
as any other relevant equitable considerations including the failure to give any
notice under the third  paragraph of this Section 7. The relative fault shall be
determined by reference  to, among other  things,  whether the untrue or alleged
untrue statement of a material fact or the omission or alleged omission to state
a material fact relates to information  supplied by the  Registrant,  on the one
hand,  or by the  sellers of such  Restricted  Stock,  on the other,  and to the
parties'  relative intent,  knowledge,  access to information and opportunity to
correct or prevent such statement or omission.

         The Registrant and the sellers of Restricted  Stock agree that it would
not be just and  equitable  if  contribution  pursuant  to this  Section  7 were
determined  by PRO RATA  allocation  (even if all of the  sellers of  Restricted
Stock were  treated as one entity for such  purpose)  or by any other  method of
allocation which does not take account of the equitable  considerations referred
to in the  immediately  preceding  paragraph.  The amount  paid or payable by an
indemnified  party as a result of the losses,  claims,  damages,  liabilities or
action in respect thereof, referred to in the

                                     - 7 -
<PAGE>

immediately  preceding  paragraph  shall be deemed to  include,  subject  to the
limitations set forth above, any legal or other expenses  reasonably incurred by
such  indemnified  party in connection with  investigating or defending any such
action or claim.  Notwithstanding  the  provisions  of this and the  immediately
preceding paragraph,  the sellers of such Restricted Stock shall not be required
to  contribute  any amount in excess of the  amount,  if any, by which the total
price at which the  Restricted  Stock  sold by each of them was  offered  to the
public  exceeds the amount of any damages which they would have  otherwise  been
required  to pay by  reason  of such  untrue  or  alleged  untrue  statement  of
omission. No person guilty of fraudulent  misrepresentation  (within the meaning
of Section 11(f) of the Securities Act) shall be entitled to  contribution  from
any  person  who  is  not  guilty  of  such  fraudulent  misrepresentation.  The
indemnification of underwriters  provided for in this Section 7 shall be on such
other terms and conditions as are at the time customary and reasonably  required
by such underwriters.

         8.       RULE 144  REPORTING.  From and  after  the  date  hereof,  the
Registrant agrees with the holders of Restricted Stock as follows:

         (a)      The  Registrant   shall  make  and  keep  public   information
available  as those  terms  are  understood  and  defined  in Rule 144 under the
Securities Act, at all times from and after 90 days following the effective date
of the first  registration  of the  Registrant  under the  Securities  Act of an
offering of its common stock to the general public.

         (b)      The  Registrant  shall  file with the  Commission  in a timely
manner all reports and other  documents as the  Commission  may prescribe  under
Section  13(a) or 15(d) of the  Securities Exchange Act of 1934, as amended (the
"EXCHANGE  ACT") at any time after the  Registrant  has  become  subject to such
reporting requirements of the Exchange Act.

         (c)      The  Registrant  shall  furnish to such  holder of  Restricted
Stock forthwith upon request (i) a written statement by the Registrant as to its
compliance  with the  reporting  requirements  of Rule 144 (at any time from and
after 90 days following the effective date of the first  registration  statement
of the  Registrant  for an offering of its common stock to the general  public),
and of the  Securities Act and the Exchange Act (at any time after it has become
subject to such reporting  requirements),  (ii) a copy of the most recent annual
or quarterly report of the Registrant and (iii) such other reports and documents
so filed as a holder  may  reasonably  request  to avail  itself  of any rule or
regulation of the Commission  allowing a holder of Restricted  Stock to sell any
such securities without registration.

         9.       MISCELLANEOUS.

         (a)      The rights  arising  under  Section 4 shall  terminate  on the
fifth anniversary of this Agreement,  or if earlier,  when (i) the holder of the
Restricted  Stock is no longer an  "affiliate"  as used in Rule 144 and (ii) the
holder of the Restricted  Stock is permitted to sell all  Restricted  Stock then
held by it pursuant to Rule 144(k).

         (b)      All covenants and agreements contained in this Agreement by or
on behalf of any of the  parties  hereto  shall bind and inure to the benefit of
the respective successors and assigns of

                                     - 8 -
<PAGE>

the parties hereto whether so expressed or not.  Without limiting the generality
of the foregoing,  the  registration  rights  conferred herein on the holders of
Restricted Stock shall inure to the benefit of any and all subsequent  permitted
holders  from  time  to  time  of  the  Restricted  Stock  for  so  long  as the
certificates  representing  the  Restricted  Stock shall be required to bear the
legend specified in Section 2 hereof.

         (c)      All  notices,  requests,  consents  and  other  communications
hereunder  shall be in  writing  and  shall be mailed  by  generally  recognized
overnight  courier,  postage  prepaid,  to the holder of the Restricted Stock at
its, his, or her address set forth in the records of the  Registrant  and to the
Registrant  at its  principal  place of business or, in any case,  at such other
address or addresses as shall have been  furnished in writing to the  Registrant
(in the case of a holder of  Restricted  Stock) or to the holders of  Restricted
Stock (in the case of the Registrant).

         (d)      This   Agreement   shall  be  governed  by  and  construed  in
accordance with the laws of the State of Delaware.

         (e)      EACH PARTY TO THIS AGREEMENT  HEREBY  IRREVOCABLY  AGREES THAT
ANY LEGAL ACTION OR PROCEEDING  ARISING OUT OF OR RELATING TO THIS  AGREEMENT OR
THE TRANSACTIONS  CONTEMPLATED  HEREBY MAY BE BROUGHT IN THE COURTS OF THE STATE
OF NEW YORK OR OF THE UNITED STATES OF AMERICA FOR THE SOUTHERN  DISTRICT OF NEW
YORK AND HEREBY EXPRESSLY SUBMITS TO THE PERSONAL JURISDICTION AND VENUE OF SUCH
COURTS FOR THE PURPOSES THEREOF AND EXPRESSLY WAIVES ANY CLAIM OF IMPROPER VENUE
AND ANY CLAIM THAT THE SUCH COURTS ARE AN INCONVENIENT  FORUM. EACH PARTY HEREBY
IRREVOCABLY  CONSENTS  TO THE  SERVICE OF  PROCESS OF ANY OF THE  AFOREMENTIONED
COURTS IN ANY SUCH SUIT,  ACTION OR PROCEEDING BY THE MAILING OF COPIES  THEREOF
BY REGISTERED OR CERTIFIED MAIL,  POSTAGE  PREPAID,  TO ITS ADDRESS SET FORTH IN
SECTION 9(C)], SUCH SERVICE TO BECOME EFFECTIVE 10 DAYS AFTER SUCH MAILING.

         (f)      This Agreement constitutes the entire agreement of the parties
with  respect to the  subject  matter  hereof and may not be modified or amended
except in writing.

         (g)      This Agreement may be executed in counterparts,  each of which
shall be deemed an original,  but all of which together shall constitute one and
the same instrument.

                                     - 9 -
<PAGE>

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

                                    THE COMPANY:

                                    HC Innovations, Inc.

                                    By:
                                        ------------------------------
                                         Name:
                                         Title:

                                    HOLDERS:

                                    By:     --
                                       -------------------------------
                                       Name:
                                       Title:

                                    By:     --
                                       -------------------------------
                                       Name:
                                       Title:

                                    By:     --
                                       -------------------------------
                                       Name:
                                       Title:

                                    By:     --
                                       -------------------------------
                                       Name:
                                       Title:

                                     - 10 -

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