Document:

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                                                                    Exhibit 10.8

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                         REGISTRATION RIGHTS AGREEMENT

                                     among

                      CARE MANAGEMENT SCIENCE CORPORATION

                            J. H. WHITNEY III, L.P.,

                      WHITNEY STRATEGIC PARTNERS III, L.P.,

                        FOUNDATION HEALTH SYSTEMS, INC.,

                               DAVID J. BRAILER,

                               RONALD A. PAULUS,

                                 BRENT MILNER,

                           ZEKE INVESTMENT PARTNERS,

                                      and

                              WILLIAM WINKENWERDER

                         -----------------------------

                         Dated as of December 23, 1998

                         -----------------------------

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                               TABLE OF CONTENTS

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                                                                                     PAGE

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1.       DEFINITIONS..................................................................1

2.       SECURITIES SUBJECT TO THIS AGREEMENT.........................................4

         (a)      Registrable Securities..............................................4

         (b)      Holders of Registrable Securities...................................4

3.       DEMAND REGISTRATION..........................................................5

         (a)      Request for Demand Registration.....................................5

         (b)      Effective Demand Registration.......................................5

         (c)      Expenses............................................................6

         (d)      Underwriting Procedures.............................................6

         (e)      Selection of Underwriters...........................................6

4.       PIGGY-BACK REGISTRATION......................................................7

         (a)      Piggy-Back Rights...................................................8

         (b)      Priority of Registrations...........................................8

         (c)      Expenses............................................................8

5.       HOLDBACK AGREEMENTS..........................................................9

         (a)      Restrictions on Public Sale by Holders..............................9

         (b)      Restrictions on Public Sale by the Company..........................9

6.       REGISTRATION PROCEDURES......................................................9

         (a)      Obligations of the Company..........................................9

         (b)      Seller Information.................................................12

         (c)      Notice to Discontinue..............................................12

         (d)      Sale to Underwriter................................................13

7.       REGISTRATION EXPENSES.......................................................13

8.       INDEMNIFICATION; CONTRIBUTION...............................................14

         (a)      Indemnification by the Company.....................................14

         (b)      Indemnification by Holders.........................................14

         (c)      Conduct of Indemnification Proceedings.............................14

         (d)      Contribution.......................................................15

9.       RULE 144; OTHER EXEMPTIONS..................................................16

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                                TABLE OF CONTENTS
                                   (CONTINUED)

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10.      CERTAIN LIMITATIONS ON REGISTRATION RIGHTS..................................16

11.      MISCELLANEOUS...............................................................16

         (a)      Recapitalizations, Exchanges, etc..................................16

         (b)      No Inconsistent Agreements; Other Registration Rights..............16

         (c)      Remedies...........................................................17

         (d)      Amendments and Waivers.............................................17

         (e)      Notices............................................................17

         (f)      Successors and Assigns.............................................18

         (g)      Counterparts.......................................................18

         (h)      Headings...........................................................18

         (i)      Governing Law......................................................18

         (j)      Jurisdiction.......................................................19

         (k)      Severability.......................................................19

         (l)      Rules of Construction..............................................19

         (m)      Entire Agreement...................................................19

         (n)      Further Assurances.................................................19

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                                      -ii-
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                          REGISTRATION RIGHTS AGREEMENT

                  THIS REGISTRATION RIGHTS AGREEMENT (the "AGREEMENT"), dated
as of December 23, 1998, among CARE MANAGEMENT SCIENCE CORPORATION, a
Pennsylvania corporation (the "COMPANY"), J. H. WHITNEY III, L.P., a Delaware
limited partnership ("JHW"), WHITNEY STRATEGIC PARTNERS III, L.P., a Delaware
limited partnership ("WSP", together with JHW, collectively referred to herein
as "WHITNEY") FOUNDATION HEALTH SYSTEMS, INC., a Delaware corporation ("FHS"),
DAVID J. BRAILER, RONALD A. PAULUS (David J. Brailer and Ronald A. Paulus
collectively referred to as the "MANAGEMENT STOCKHOLDERS"), BRENT MILNER,
WILLIAM WINKENWERDER and ZEKE INVESTMENT PARTNERS, a Pennsylvania partnership
(Brent Milner, William Winkenwerder and Zeke Investment Partners collectively
referred to as the "INDIVIDUAL INVESTORS").

                  This Agreement is made in connection with (i) the Stock
Purchase Agreement (the "PURCHASE AGREEMENT"), dated as of the date hereof,
among the Company, Whitney and the Individual Investors relating to the
acquisition by Whitney and the Individual Investors of an aggregate of 2,366,947
shares of Series C Convertible Preferred Stock, no par value, of the Company
(the "SERIES C CONVERTIBLE PREFERRED") for an aggregate purchase price of
$6,175,000.00 and (ii) the Exchange Agreement, dated as of the date hereof,
between FHS and the Company, pursuant to which FHS has agreed to restructure its
existing investment in the Company in return for 994,000 shares of Series D
Convertible Preferred Stock, no par value, of the Company (the "SERIES D
CONVERTIBLE PREFERRED"), 1,658,004 shares of Series E Convertible Preferred
Stock, no par value, of the Company (the "SERIES E CONVERTIBLE PREFERRED") and
1,560,000 shares of Series G Redeemable Preferred Stock, no par value, of the
Company (the "SERIES G REDEEMABLE PREFERRED").

                  The Company, FHS and the Management Stockholders are parties
to a Registration Rights Agreement, dated September 8, 1995, as amended on
September 6, 1996 (the "1995 AGREEMENT"). In order to induce Whitney to enter
into the Purchase Agreement, (i) the Company, FHS and the Management
Stockholders have agreed, among other things, to terminate the 1995 Agreement
and (ii) the Company has agreed to provide registration rights with respect to
the Registrable Securities (as hereinafter defined) as set forth in this
Agreement.

                  The parties hereby agree as follows:

                  1. DEFINITIONS. As used in this Agreement, and unless the
context requires a different meaning, the following terms have the meanings
indicated:

                           "1995 AGREEMENT" has the meaning assigned such term
in the third paragraph of this Agreement.

                           "ACT" means the Securities Act of 1933, as amended,
and the rules and regulations of the SEC promulgated thereunder.

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                           "APPROVED UNDERWRITER" has the meaning assigned such
term in Section 3(e).

                           "APPROVED UNDERWRITER AMOUNT" has the meaning
assigned such term in Section 3(d).

                           "BUSINESS DAY" means any day other than a Saturday,
Sunday or other day on which commercial banks in the City of New York are
authorized or required by law or executive order to close.

                           "COMMON STOCK" means the Common Stock, no par value,
of the Company, or any other capital stock of the Company into which such stock
is reclassified or reconstituted.

                           "COMPANY UNDERWRITER" has the meaning assigned such
term in Section 4(a).

                           "DEMAND REGISTRATION" has the meaning assigned such
term in Section 3(a).

                           "DESIGNATED HOLDER" means Whitney, FHS, the
Management Stockholders, the Individual Investors and any of their respective
transferees to whom Registrable Securities have been transferred other than
the transferee to whom such securities have been transferred pursuant to a
registration statement under the Act or Rule 144 under the Act; provided,
that, for purposes of Section 3(a) hereof, the transferees of any Designated
Holder shall only be entitled to exercise that Designated Holder's Demand
Registration (if not already exercised by such Designated Holder) as a group.

                           "EXCHANGE ACT" means the Securities and Exchange Act
of 1934, as amended, and the rules and regulations of the SEC thereunder.

                           "HOLDER" has the meaning assigned such term in
Section 2(b).

                           "HOLDERS' COUNSEL" means (a) with respect to any
Demand Registration that has been requested pursuant to Section 3, the one
counsel selected by the Initiating Holder in such registration and (b) with
respect to a request for registration of Registrable Securities pursuant to
Section 4, the one counsel selected by the Holders holding a majority of the
Registrable Securities held by all Holders being registered in such
registration.

                           "INDEMNIFIED PARTY" has the meaning assigned such
term in Section 8(c).

                           "INDEMNIFYING PARTY" has the meaning assigned such
term in Section 8(c).

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                           "INITIAL PUBLIC OFFERING" shall mean the sale in an
underwritten offering by the Company of its capital stock pursuant to a
registration statement on Form S-1 or otherwise under the Act.

                           "INITIATING HOLDER" has the meaning assigned to such
term in Section 3(a).

                           "INSPECTOR" has the meaning assigned such term in
Section 6(a)(viii).

                           "NASD" has the meaning assigned such term in Section
6(a)(xv).

                           "PERSON" means any individual, firm, corporation,
partnership, trust, incorporated or unincorporated association, joint venture,
joint stock company, government (or an agency or political subdivision thereof)
or other entity of any kind, and shall include any successor (by merger or
otherwise) of any such entity.

                           "PURCHASE AGREEMENT" has the meaning assigned such
term in the second paragraph of this Agreement.

                           "REGISTRABLE SECURITIES" means, subject to Section
2(a), each of the following: (a) any shares of Common Stock issued or issuable
upon conversion or in exchange for shares of the Series C Convertible Preferred,
Series D Convertible Preferred or Series E Convertible Preferred; (b) any shares
of Common Stock held by the Management Stockholders or any of their respective
permitted transferees; and (c) any shares of Common Stock issued or issuable in
respect of shares of Common Stock issued, issuable or held pursuant to clause
(a) or (b) above by way of a stock dividend or stock split or in connection with
a combination of shares, recapitalization, merger, consolidation or other
reorganization or otherwise.

                           "REGISTRATION EXPENSES" has the meaning assigned such
term in Section 7.

                           "RULE 144" means Rule 144 under the Act (or any
similar rule adopted after the date hereof).

                           "SEC" means the Securities and Exchange Commission.

                           "SERIES C CONVERTIBLE PREFERRED" has the meaning
assigned such term in the second paragraph of this Agreement and is further
defined to include any other capital stock of the Company into which such stock
is reclassified or reconstituted.

                           "SERIES D CONVERTIBLE PREFERRED" means the Series D
Convertible Preferred Stock, no par value, of the Company (or any warrants to
purchase such stock), or any other capital stock of the Company into which such
stock is reclassified or reconstituted.

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                           "SERIES E CONVERTIBLE PREFERRED" means the Series E
Convertible Preferred Stock, no par value, of the Company (or any warrants to
purchase such stock), or any other capital stock of the Company into which such
stock is reclassified or reconstituted.

                           "SERIES F REDEEMABLE PREFERRED" means the Series F
Redeemable Preferred Stock, no par value, of the Company (or any warrants to
purchase such stock), or any other capital stock of the Company into which such
stock is reclassified or reconstituted.

                           "SERIES G REDEEMABLE PREFERRED" means the Series G
Redeemable Preferred, no par value, of the Company.

                           "SERIES PREFERRED" means, collectively, the Series C
Convertible Preferred, Series D Convertible Preferred, Series E Convertible
Preferred, Series F Redeemable Preferred and Series G Redeemable Preferred.

                           "SHARES" means the Common Stock, the Series
Preferred, any class of common stock of the Company authorized after the date of
this Agreement and any other class of stock resulting from successive changes or
reclassifications of the Shares.

                           "SHAREHOLDERS' AGREEMENT" means the Shareholders'
Agreement, dated the date hereof, among the Company, Whitney, FHS, the
Management Stockholders and the Individual Investors.

                           "TOTAL SECURITIES" has the meaning assigned such term
in Section 4(a).

                           "UNDERWRITERS" has the meaning assigned such term in
Section 6(d).

                           "VALID BUSINESS REASON" has the meaning assigned such
term in Section 3(f).

                           "WHITNEY DIRECTOR" means a person appointed by
Whitney to the Board of Directors of the Company pursuant to the Shareholders'
Agreement.

                  2. SECURITIES SUBJECT TO THIS AGREEMENT.

                           (a) REGISTRABLE SECURITIES. For the purposes of this
Agreement, Registrable Securities will cease to be Registrable Securities when
(i) a registration statement covering such Registrable Securities has been
declared effective under the Act by the SEC and such Registrable Securities have
been disposed of pursuant to such effective registration statement or (ii) the
entire amount of Registrable Securities proposed to be sold in a single sale are
or, in the opinion of counsel satisfactory to the Company and the Holder, each
in their reasonable judgment, may, be distributed to the public pursuant to Rule
144 in compliance with the requirements of paragraphs (c), (e), (f) and (g) of
Rule 144 (notwithstanding the provisions of paragraph (k) of such Rule) (or any
successor provision then in effect) under the Act.

                           (b) HOLDERS OF REGISTRABLE SECURITIES. A Person is
deemed to be a holder of Registrable Securities (a "Holder") whenever such
Person (i) is a party to this

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Agreement (or a permitted transferee of such party that has become a party
hereto) and (ii) owns of record Registrable Securities, or holds a security
convertible into or exercisable or exchangeable for, Registrable Securities,
whether or not such purchase or conversion has actually been effected and
disregarding any legal restrictions upon the exercise of such rights. If the
Company receives conflicting instructions, notices or elections from two or more
persons with respect to the same Registrable Securities, the Company may act
upon the basis of the instructions, notice or election received from the
registered owner of such Registrable Securities. Registrable Securities issuable
upon conversion of another security shall be deemed outstanding for the purposes
of this Agreement.

                  3. DEMAND REGISTRATION.

                           (a) REQUEST FOR DEMAND REGISTRATION. Subject to
Section 3(f) below, at any time after 6 months from the date of the consummation
of an Initial Public Offering, each of the Designated Holders (other than the
Individual Investors who, for purposes of this Section 3, shall be deemed to be
part of any Demand Registration in which Whitney is the Initiating Holder) (each
an "INITIATING HOLDER") shall have the right to make one request in writing that
the Company register Registrable Securities under the Act, and under the
securities or blue sky laws of any jurisdiction designated by such holder or
holders (each such registration under this Section 3(a) that satisfies the
requirements set forth in Section 3(b) is referred to herein as a "DEMAND
REGISTRATION"); PROVIDED, HOWEVER, that the Management Stockholders shall only
be entitled to one demand right as a group. Notwithstanding the foregoing, in no
event shall the Company be required to effect more than three Demand
Registrations. Each request for a Demand Registration by an Initiating Holder in
respect thereof shall specify the amount of the Registrable Securities proposed
to be sold, the intended method of disposition thereof and the jurisdictions in
which registration is desired. Upon a request for a Demand Registration, the
Company shall promptly take such steps as are necessary or appropriate to
prepare for the registration of the Registrable Securities to be registered.
Within fifteen (15) days after the receipt of such request, the Company shall
give written notice thereof to all other Designated Holders and include in such
registration all Registrable Securities held by a Designated Holder from whom
the Company has received a written request for inclusion therein at least ten
(10) days prior to the filing of the registration statement. Each such request
will also specify the number of Registrable Securities to be registered, the
intended method of disposition thereof and the jurisdictions in which
registration is desired. Subject to Section 3(d), the Company shall be entitled
to include in any registration statement and offering made pursuant to a Demand
Registration, authorized but unissued shares of Common Stock, shares of Common
Stock held by the Company as treasury shares or shares of Common Stock held by
stockholders other than the Designated Holders; PROVIDED, that such inclusion
shall be permitted only to the extent that it is pursuant to and subject to the
terms of the underwriting agreement or arrangements, if any, entered into by the
Initiating Holder exercising the Demand Registration rights.

                           (b) EFFECTIVE DEMAND REGISTRATION. The Company shall
use its best efforts to cause any Demand Registration to become effective not
later than ninety (90) days after it receives a request under Section 3(a). A
registration requested pursuant to Section 3(a) hereof shall not count as the
demand to which the Designated Holders are entitled thereunder unless such
registration statement is declared effective and remains effective for at least
the

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lesser of (i) such time as all Registrable Securities covered by such
registration statement have been disposed of in accordance with such
registration statement or (ii) ninety (90) days.

                           (c) EXPENSES. In any registration initiated as a
Demand Registration, the Company shall pay all Registration Expenses in
connection therewith, whether or not such requested Demand Registration becomes
effective.

                           (d) UNDERWRITING PROCEDURES. If the Initiating Holder
to which the requested Demand Registration relates so elects, the offering of
such Registrable Securities pursuant to such requested Demand Registration shall
be in the form of a firm commitment underwritten offering and the managing
underwriter or underwriters selected for such offering shall be the Approved
Underwriter selected in accordance with Section 3(e). In such event, if the
Approved Underwriter advises the Company in writing that, in its opinion, the
aggregate amount of such Registrable Securities requested to be included in such
offering (including those securities requested by the Company to be included in
such registration) is sufficiently large to have an adverse effect on the
success of such offering, then the Company shall include in such registration
only the aggregate amount of Registrable Securities that in the opinion of the
Approved Underwriter may be sold without any such effect on the success of such
offering (the "APPROVED UNDERWRITER AMOUNT"), and (i) all Registrable
Securities that the Initiating Holder proposes to register (including, in the
case of Whitney, Registrable Securities held by the Individual Investors) shall
be included in the registration up to the Approved Underwriter Amount, (ii) to
the extent that the number of Registrable Securities to be included by the
Initiating Holder is less than the Approved Underwriter Amount, securities
proposed to be registered by the Designated Holders (other than the Initiating
Holder) shall be included ratably in the registration based on the amounts of
Registrable Securities sought to be registered by such Designated Holders in
their request for participation in the Demand Registration and (iii) to the
extent that the number of Registrable Securities to be included under clauses
(i) and (ii) above is less than the Approved Underwriter Amount, securities that
the Company proposes to register shall also be included in the registration.

                           If, as a result of the proration provision of this
Section 3(d), any Designated Holder shall not be entitled to include all
Registrable Securities in a registration that such Designated Holder has
requested to be included in, such Designated Holder may elect to withdraw his
request to include Registrable Securities in such registration or may reduce the
number requested to be included; PROVIDED, HOWEVER, that (x) such request must
be made in writing prior to the earlier of the execution of the underwriting
agreement or the execution of the custody agreement with respect to such
registration and (y) such withdrawal or reduction shall be irrevocable.

                           (e) SELECTION OF UNDERWRITERS. If any requested
Demand Registration is in the form of an underwritten offering, the Initiating
Holder shall select and obtain an investment banking firm of national reputation
to act as the managing underwriter of the offering (the "APPROVED UNDERWRITER");
PROVIDED that such underwriter shall be reasonably satisfactory to a majority of
the Designated Holders (other than the Initiating Holders) and the Company.

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                           (f) LIMITATIONS ON DEMAND REGISTRATIONS. The Demand
Registration rights granted to the Designated Holders in Section 3(a) are
subject to the following limitations: (i) each registration in respect of a
Demand Registration must include Registrable Securities having an aggregate
market value of at least [$5,000,000], which market value shall be determined by
multiplying the number of Registrable Securities to be included in the Demand
Registration by the proposed per share offering price; PROVIDED that the
limitation set forth in this clause (i) shall not be in effect at any time the
Designated Holders' Registrable Securities are not able to be sold under Rule
144 under the Act because of the Company's failure to comply with the
information requirements thereunder, unless at such time, the Company's outside
counsel (which shall be reasonably acceptable to the Designated Holders
requesting such registration) delivers a written opinion of counsel to such
Designated Holders to the effect that such Designated Holders' Registrable
Securities may be publicly offered and sold without registration under the Act;
(ii) the Company shall not be required to cause a registration pursuant to
Section 3(a) to be declared effective within a period of 150 days after the
effective date of any registration statement of the Company effected in
connection with a Demand Registration; and (iii) if the Board of Directors of
the Company, in its good faith judgment, determines that any registration of
Registrable Securities should not be made or continued because it would
materially interfere with any material financing, acquisition, corporate
reorganization or merger or other transaction involving the Company or any of
its subsidiaries (a "VALID BUSINESS REASON"), the Company may (x) postpone
filing a registration statement relating to a Demand Registration until such
Valid Business Reason no longer exists, but in no event for more than ninety
(90) days, and (y) in case a registration statement has been filed relating to a
Demand Registration, if the Valid Business Reason has not resulted from actions
taken by the Company, the Company, upon the approval of a majority of the
Company's Board of Directors, may cause such registration statement to be
withdrawn and its effectiveness terminated or may postpone amending or
supplementing such registration statement. The Company shall give written notice
of its determination to postpone or withdraw a registration statement under
Section 3(f)(iii) and of the fact that the Valid Business Reason for such
postponement or withdrawal no longer exists, in each case, promptly after the
occurrence thereof. Notwithstanding anything to the contrary contained herein,
the Company may not postpone or withdraw a filing under Section 3(f)(iii) hereof
more than once in any twelve-month period.

                           Each Holder of Registrable Securities agrees that,
upon receipt of any notice from the Company that the Company has determined to
withdraw any registration statement pursuant to clause (iii) above, such Holder
will discontinue its disposition of Registrable Securities pursuant to such
registration statement and, if so directed by the Company, will deliver to the
Company (at the Company's expenses) all copies, other than permanent file
copies, then in such Holder's possession, of the prospectus covering such
Registrable Securities that was in effect at the time of receipt of such notice.
If the Company shall give any notice of postponement or withdrawal of a
registration statement, the Company shall, at such time as the Valid Business
Reason that caused such postponement or withdrawal no longer exists (but in no
event later than ninety (90) days after the date of the postponement), use
its best efforts to promptly effect the registration under the Act of the
Registrable Securities covered by the postponed or withdrawn registration
statement in accordance with this Section 3 (unless the Designated Holder(s)
delivering the Demand Registration request shall have withdrawn such request, in
which case the Company shall not be considered to have effected an effective

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registration for the purposes of this Agreement), and such registration shall
not be postponed or withdrawn pursuant to clause (iii) above.

                  4. PIGGY-BACK REGISTRATION.

                           (a) PIGGY-BACK RIGHTS. If the Company proposes to
file a registration statement under the Act with respect to an offering by
the Company for its own account of any class of security (other than a
registration statement on Form S-4 or S-8 (or any successor form thereto))
under the Act, then the Company shall give written notice of such proposed
filing to each of the Holders at least twenty (20) days before the
anticipated filing date, and such notice shall describe in detail the
proposed registration and distribution (including those jurisdictions where
registration under the securities or blue sky laws is intended) and offer
such Holders the opportunity to register the number of Registrable Securities
as each such Holder may request. The Company shall use its best efforts
(within ten (10) days of the notice provided for in the preceding sentence)
to permit the Holders who have requested to participate in the registration
for such offering to include such Registrable Securities in such offering on
the same terms and conditions as the securities of the Company included
therein. Notwithstanding the foregoing, if such registration involves an
underwritten offering and the managing underwriters or underwriters (the
"COMPANY UNDERWRITER") shall advise the Holders of Registrable Securities in
writing that, in its opinion, the total amount of securities requested to be
included in such offering (the "TOTAL SECURITIES") is sufficiently large so
as to have an adverse effect on the success of the distribution of the Total
Securities, then the Company shall include in such registration, to the
extent of the number of securities which the Company is so advised can be
sold in (or during the time of) such offering, FIRST, all securities that the
Company proposes to register, and, SECOND, the securities proposed to be
included in such registration by all Holders pro rata among them, and, THIRD,
all other securities proposed to be registered. Notwithstanding anything in
this Section 4 to the contrary, the Company shall not be required to include
any Registrable Securities in its Initial Public Offering.

                           (b) PRIORITY OF REGISTRATIONS. Subject to the
provisions of Section 3(f)(iii), if the Company proposes to register securities
pursuant to Section 4(a) hereof on the same day that the Designated Holders
request a registration pursuant to Section 3(a) hereof, then the Demand
Registration requested pursuant to Section 3(a) hereof shall be given priority.

                           (c) EXPENSES. The Company shall bear all Registration
Expenses in connection with any registration pursuant to this Section 4.

                           (d) CONDITIONS AND LIMITATIONS ON PIGGYBACK
REGISTRATIONS. If, at any time after giving written notice of its intention to
register any securities and prior to the effective date of the registration
statement filed in connection with such registration, the Company shall
determine for any reason not to register or to delay registration of such
securities, the Company may, at its election, give written notice of such
determination to all Holders of record of Registrable Securities and (i) in the
case of a determination not to register, shall be relieved of its obligation to
register the Registrable Securities in connection with such abandoned
registration, without prejudice, however, to the rights of Holders under Section
3, and (ii) in the case of a determination to delay the registration of its
securities, shall be permitted to delay the

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registration of such Registrable Securities for the same period as the delay in
registering such other equity securities.

                           Any Holder shall have the right to withdraw its
request for inclusion of its Registrable Securities in any registration
statement pursuant to this Section 4 by giving the written notice to the
Company of its request to withdraw; PROVIDED, HOWEVER, that (i) such request
must be made in writing prior to the earlier of the execution of the
underwriting agreement or the execution of the custody agreement with respect
to such registration and (ii) such withdrawal shall be irrevocable and, after
making such withdrawal, a Holder shall no longer have any right to include
Registrable Securities in the registration as to which such withdrawal was
made.

                  5. HOLDBACK AGREEMENTS.

                           (a) RESTRICTIONS ON PUBLIC SALE BY HOLDERS. To the
extent not inconsistent with applicable law, each Holder agrees not to effect
any public sale or distribution of any Registrable Securities being registered
or of any securities convertible into or exchangeable or exercisable for such
Registrable Securities, including a sale pursuant to Rule 144 under the Act,
during the seven (7) days prior to or the ninety (90) day period beginning on
the effective date of such Demand Registration or Piggy-Back Registration or
other underwritten offering (except as part of such registration), if and to the
extent requested by any other Holder, in the case of a non-underwritten public
offering, or if and to the extent requested by the Company Underwriter, in the
case of an underwritten public offering. To the extent not inconsistent with
applicable law, each Holder also agrees that, during the period of duration (not
to exceed 180 days) specified by the Company and an underwriter of Common Stock
in connection with an Initial Public Offering, following the effective date of a
registration statement of the Company filed under the Act relating to such
Initial Public Offering, it shall not, to the extent requested by the Company
and such underwriter, directly or indirectly sell, offer to sell, contract to
sell (including, without limitation, any short sale), grant any option to
purchase or otherwise transfer or dispose of (other than to donees who agree to
be similarly bound) any securities of the Company held by it at any time during
such period (except Registrable Securities included in such registration).

                           (b) RESTRICTIONS ON PUBLIC SALE BY THE COMPANY. The
Company agrees not to effect any public sale or distribution of any of its
securities for its own account (except pursuant to registrations on Form S-4 or
S-8 (or any successor form thereto) under the Act) during the ninety (90) day
period beginning on the effective date of any registration statement in which
the Holders are participating (except to the extent that such sale or
distribution is made pursuant to such registration).

                  6. REGISTRATION PROCEDURES.

                           (a) OBLIGATIONS OF THE COMPANY. Whenever registration
of Registrable Securities has been requested pursuant to Section 3 or 4 of this
Agreement, the Company shall use its best efforts to effect the registration and
sale of such Registrable Securities in accordance with the intended method of
distribution thereof as quickly as practicable, and in connection with any such
request, the Company shall, as expeditiously as possible:

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<PAGE>

                                    (i) prepare and file with the SEC (in any
event not later than sixty (60) Business Days after receipt of a request to file
a registration statement with respect to Registrable Securities) a registration
statement on any form on which registration is requested for which the Company
then qualifies, which counsel for the Company and Holders' Counsel shall deem
appropriate and which shall be available for the sale of such Registrable
Securities in accordance with the intended method of distribution thereof, and
use its best efforts to cause such registration statement to become effective;
PROVIDED, HOWEVER, that before filing a registration statement or prospectus or
any amendments or supplements thereto, the Company shall (A) provide Holders'
Counsel with an adequate and appropriate opportunity to participate in the
preparation of such registration statement and each prospectus included therein
(and each amendment or supplement thereto) to be filed with the SEC, which
documents shall be subject to the review of Holders' Counsel, and (B) notify
Holders' Counsel and each seller of Registrable Securities pursuant to such
registration statement of any stop order issued or threatened by the SEC and
take all reasonable action required to prevent the entry of such stop order or
to remove it if entered;

                                    (ii) prepare and file with the SEC 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 and to comply with the provisions of the Act with respect to
the disposition of all Registrable Securities covered by such registration
statement until the earlier of (a) such time as all of such Registrable
Securities and other securities have been disposed of in accordance with the
intended methods of disposition by the sellers thereof set forth in such
registration statement and (b) 180 days after the effective date of such
registration statement, except with respect to any such registration statement
filed pursuant to Rule 415 (or any successor Rule) under the Act if the Company
is eligible to file a registration statement on Form S-3, in which case such
period shall be two (2) years;

                                    (iii) as soon as reasonably possible,
furnish to each seller of Registrable Securities, prior to filing a registration
statement, copies of such registration statement as it is proposed to be filed,
and thereafter such number of copies of such registration statement, each
amendment and supplement thereto (in each case including all exhibits thereto),
the prospectus included in such registration statement (including each
preliminary prospectus) and such other documents as each such seller may
reasonably request in order to facilitate the disposition of the Registrable
Securities owned by such seller;

                                    (iv) use its best efforts to register or
qualify such Registrable Securities under such other securities or blue sky laws
of such jurisdictions as any seller of Registrable Securities may request, and
to continue such qualification in effect in each such jurisdiction for as long
as is permissible pursuant to the laws of such jurisdiction, or for as long as
any such seller requests or until all of such Registrable Securities are sold,
whichever is shortest, and do any and all other acts and things which may be
reasonably necessary or advisable to enable any such seller to consummate the
disposition in such jurisdictions of the Registrable Securities owned by such
seller; PROVIDED, HOWEVER, that the Company shall not be required to (A) qualify
generally to do business in any jurisdiction where it would not otherwise be
required to qualify but for this Section 6(a)(iv), (B) subject itself to
taxation in any such jurisdiction or (C) consent to general service of process
in any such jurisdiction;

                                       10
<PAGE>

                                    (v) use its best efforts to obtain all other
approvals, covenants, exemptions or authorizations from such governmental
agencies or authorities as may be necessary to enable the sellers of such
Registrable Securities to consummate the disposition of such Registrable
Securities;

                                    (vi) notify each seller of Registrable
Securities at any time when a prospectus relating thereto is required to be
delivered under the Act, upon discovery that, or upon the happening of any event
as a result of which, the prospectus included in such registration statement
contains an untrue statement of a material fact or omits to state any material
fact required to be stated therein or necessary to make the statements therein
not misleading in light of the circumstances under which they were made, and the
Company shall promptly prepare a supplement or amendment to such prospectus and
furnish to each such seller a reasonable number of copies of a supplement to or
amendment of such prospectus as may be necessary so that, after delivery to the
purchasers of such Registrable Securities, such prospectus shall not contain an
untrue statement of a material fact or omit to state any material fact required
to be stated therein or necessary to make the statements therein not misleading
in light of the circumstances under which they were made;

                                    (vii) enter into and perform customary
agreements (including an underwriting agreement in customary form with the
Approved Underwriter or Company Underwriter, if any, selected as provided in
Section 3 or 4; PROVIDED, that the underwriting agreement, if any, shall be
reasonably satisfactory in form and substance to the Company) and take such
other actions as are reasonably required in order to expedite or facilitate the
disposition of such Registrable Securities;

                                    (viii) make available for inspection by
any seller of Registrable Securities, any managing underwriter participating
in any disposition pursuant to such registration statement, Holders' Counsel
and any attorney, accountant or other agent retained by any such seller or
any managing underwriter (each, an "INSPECTOR" and, collectively, the
"INSPECTORS"), all financial and other records, pertinent corporate documents
and properties of the Company and any subsidiaries thereof as may be in
existence at such time (collectively, the "RECORDS") as shall be reasonably
necessary to enable them to exercise their due diligence responsibility, and
cause the Company's and any subsidiaries' officers, directors and employees,
and the independent public accountants of the Company, to supply all
information reasonably requested by any such Inspector in connection with
such registration statement; PROVIDED, that such Inspector agrees to keep all
such information confidential.

                                    (ix) obtain a "cold comfort" letter from the
Company's independent public accountants in customary form and covering such
matters of the type customarily covered by "cold comfort" letters, as Holders'
Counsel or the managing underwriter reasonably request;

                                    (x) furnish, at the request of any seller of
Registrable Securities on the date such securities are delivered to the
underwriters for sale pursuant to such registration

                                       11
<PAGE>

or, if such securities are not being sold through underwriters, on the date the
registration statement with respect to such securities becomes effective, an
opinion, dated such date, of counsel representing the Company for the purposes
of such registration, addressed to the underwriters, if any, and to the seller
making such request, covering such legal matters with respect to the
registration in respect of which such opinion is being given as such seller may
reasonably request and as are customarily included in such opinions;

                                    (xi) otherwise use its best efforts to
comply with all applicable rules and regulations of the SEC, and make available
to its security holders, as soon as reasonably practicable but no later than
fifteen (15) months after the effective date of the registration statement, an
earnings statement covering a period of twelve (12) months beginning after the
effective date of the registration statement, in a manner which satisfies the
provisions of Section 11(a) of the Act;

                                    (xii) cause all such Registrable Securities
to be listed on each securities exchange on which similar securities issued by
the Company are then listed (if any) if the listing of such Registrable
Securities is then permitted under the rules of such exchange or, if no similar
securities are then so listed, cause all such Registrable Securities to be
listed on an exchange on which the Initiating Holders request that such
Registrable Securities be listed, subject to the satisfaction of the applicable
listing requirements of each such exchange;

                                    (xiii) keep each seller of Registrable
Securities advised in writing as to the initiation and progress of any
registration under Section 3 or 4 hereunder;

                                    (xiv) provide officers' certificates and
other customary closing documents;

                                    (xv) cooperate with each seller of
Registrable Securities and each underwriter participating in the disposition
of such Registrable Securities and their respective counsel in connection
with any filings required to be made with the National Association of
Securities Dealers, Inc. (the "NASD"); and

                                    (xvi) use its best efforts to take all other
steps necessary to effect the registration of the Registrable Securities
contemplated hereby.

                           (b) SELLER INFORMATION. The Company may require as a
condition precedent of the Company's obligations under this Section 6 that each
seller of Registrable Securities as to which any registration is being effected
furnish to the Company such information regarding such seller and the
distribution of such securities as the Company may from time to time reasonably
request in writing.

                           (c) NOTICE TO DISCONTINUE. Each Holder agrees that,
upon receipt of any notice from the Company of the happening of any event of the
kind described in Section 6(a)(vi), such Holder shall forthwith discontinue
disposition of Registrable Securities pursuant to the registration statement
covering such Registrable Securities until such Holder's receipt of the copies
of the supplemented or amended prospectus contemplated by Section 6(a)(vi) and,
if so directed by the Company, such Holder shall deliver to the Company (at the
Company's expense) all copies, other than permanent file copies then in such
Holder's possession, of the prospectus covering such Registrable Securities
which is current at the time of receipt of such notice. If the

                                       12
<PAGE>

Company shall give any such notice, the Company shall extend the period during
which such registration statement shall be maintained effective pursuant to this
Agreement (including, without limitation, the period referred to in Section
6(a)(ii)) by the number of days during the period from and including the date of
the giving of such notice pursuant to Section 6(a)(vi) to and including the date
when the Holder shall have received the copies of the supplemented or amended
prospectus contemplated by and meeting the requirements of Section 6(a)(vi).

                           (d) SALE TO UNDERWRITER. Subject to the limitations
on inclusion of Registrable Securities in a registration under Sections 3(d) and
4(a), in lieu of converting any shares of Series C Convertible Preferred, Series
D Convertible Preferred or Series E Convertible Preferred into Registrable
Securities to be included in a registration under Section 3 or 4 prior to or
simultaneously with the filing or the effectiveness of any registration
statement filed pursuant thereto, the holder of such preferred stock may sell
such stock to the Approved Underwriter or the Company Underwriter, as the case
may be, and any other underwriters of the offering being registered
(collectively, the Approved Underwriter or Company Underwriter, as the case may
be, and such other underwriters, the "UNDERWRITERS") if the Underwriters consent
thereto and if the Underwriters undertake to convert such shares of Series C
Convertible Preferred, Series D Convertible Preferred or Series E Convertible
Preferred into Registrable Securities before making any distribution pursuant to
such registration statement and to include such Registrable Securities among the
Registrable Securities being offered pursuant to such registration statement.
Assuming timely delivery by the Holder of the Series C Convertible Preferred
certificates, Series D Convertible Preferred certificates or Series E
Convertible Preferred certificates to or for the account of the Underwriters,
the Company agrees to cause the relevant Registrable Securities to be issued so
as to permit the Underwriters to make and complete the distribution (including
the distribution of such Registrable Securities) contemplated by the
underwriting.

                  7. REGISTRATION EXPENSES. The Company shall pay all expenses
(other than underwriting discounts and commissions) arising from or incident to
the performance of, or compliance with, this Agreement, including, without
limitation, (a) SEC, stock exchange and NASD registration and filing fees, (b)
all fees and expenses incurred in complying with securities or blue sky laws
(including, without limitation, reasonable fees, charges and disbursements of
counsel in connection with blue sky qualifications of the Registrable
Securities), (c) all printing, messenger and delivery expenses, (d) the fees,
charges and disbursements of counsel to the Company and of its independent
public accountants and any other accounting and legal fees, charges and expenses
incurred by the Company (including, without limitation, any expenses arising
from any special audits incident to or required by any registration or
qualification) and (e) the reasonable fees, charges and expenses of any special
experts retained by the Company in connection with any requested Demand
Registration or Piggy-Back Registration pursuant to the terms of this Agreement,
regardless of whether the registration statement filed in connection with such
registration is declared effective. In connection with each registration
hereunder, the Company shall reimburse the Holders of Registrable Securities
being registered in such registration for the reasonable fees, charges and
disbursements of not more than one Holders' Counsel. All of the expenses
described in this Section 7 are referred to in this Agreement as "REGISTRATION
EXPENSES." Notwithstanding the foregoing provisions of this Section 7, in
connection with any registration hereunder, each Holder of Registrable
Securities being registered shall pay all underwriting discounts and commissions
and any capital gains, income or transfer taxes, if any, attributable to the
sale of

                                       13
<PAGE>

such Registrable Securities, pro rata with respect to payments of discounts and
commissions in accordance with the number of shares sold in the offering.

                  8. INDEMNIFICATION; CONTRIBUTION.

                           (a) INDEMNIFICATION BY THE COMPANY. In the event of
any proposed registration of securities of the Company pursuant to Section 3 or
Section 4, the Company agrees to indemnify and hold harmless each Holder, its
directors, officers, partners, employees, advisors and agents, and each Person
who controls (within the meaning of the Act or the Exchange Act) such Holder, to
the extent permitted by law, from and against any and all losses, claims,
damages, expenses (including, without limitation, reasonable costs of
investigation and fees, disbursements and other charges of counsel) or other
liabilities resulting from or arising out of or based upon any untrue, or
alleged untrue, statement of a material fact contained in any registration
statement, prospectus or preliminary prospectus or notification or offering
circular (as amended or supplemented if the Company shall have furnished any
amendments or supplements thereto) or arising out of or based upon any omission
or alleged omission to state therein a material fact required to be stated
therein or necessary to make the statements therein, in light of the
circumstances under which they were made, not misleading, except insofar as the
same are caused by or contained in any information furnished in writing to the
Company by or on behalf of such Holder expressly for use therein. The Company
shall also indemnify any Underwriters of the Registrable Securities, their
officers, directors and employees, and each Person who controls any such
Underwriter (within the meaning of the Act and the Exchange Act) to the same
extent as provided above with respect to the indemnification of the Holders of
Registrable Securities.

                           (b) INDEMNIFICATION BY HOLDERS. In connection with
any proposed registration in which a Holder is participating pursuant to Section
3 or 4 hereof, each such Holder shall furnish to the Company in writing such
information with respect to such Holder as the Company may reasonably request or
as may be required by law for use in connection with any registration statement
or prospectus to be used in connection with such registration and each Holder
agrees to indemnify and hold harmless the Company, any Underwriter retained by
the Company and their respective directors, officers, employees and each Person
who controls (within the meaning of the Act and the Exchange Act) the Company or
such Underwriter to the same extent as the foregoing indemnity from the Company
to the Holders (subject to the proviso to this sentence and applicable law), but
only with respect to any such information furnished in writing by or on behalf
of such Holder expressly for use therein; PROVIDED, HOWEVER, that the liability
of any Holder under this Section 8(b) shall be limited to the amount of the net
proceeds received by such Holder in the offering giving rise to such liability.

                           (c) CONDUCT OF INDEMNIFICATION PROCEEDINGS. Any
Person entitled to indemnification hereunder (the "INDEMNIFIED PARTY") agrees
to give prompt written notice to the indemnifying party (the "INDEMNIFYING
PARTY") after the receipt by the Indemnified Party of any written notice of
the commencement of any action, suit, proceeding or investigation or threat
thereof made in writing for which the Indemnified Party intends to claim
indemnification or contribution pursuant to this Agreement; PROVIDED, that the
failure so to notify the Indemnifying Party shall not relieve the
Indemnifying Party of any liability that it may have to the Indemnified Party
hereunder. If notice of commencement of any such action is given to the
Indemnifying

                                       14
<PAGE>

Party as above provided, the Indemnifying Party shall be entitled to participate
in and, to the extent it may wish, jointly with any other Indemnifying Party
similarly notified, to assume the defense of such action at its own expense,
with counsel chosen by it and satisfactory to such Indemnified Party. The
Indemnified Party shall have the right to employ separate counsel in any such
action and participate in the defense thereof, but the fees and expenses of such
counsel (other than reasonable costs of investigation) shall be paid by the
Indemnified Party unless (i) the Indemnifying Party agrees to pay the same, (ii)
the Indemnifying Party fails to assume the defense of such action with counsel
satisfactory to the Indemnified Party in its reasonable judgment, (iii) the
named parties to any such action (including any impleaded parties) have been
advised by the Indemnifying Party's counsel that either (A) representation of
such Indemnified Party and the Indemnifying Party by the same counsel would be
inappropriate under applicable standards of professional conduct or (B) there
may be one or more legal defenses available to it which are different from or
additional to those available to the Indemnifying Party; PROVIDED, HOWEVER, that
the Indemnifying Party shall only have to pay the fees and expenses of one firm
of counsel for all Indemnified Parties in each jurisdiction, except to the
extent representation of all Indemnified Parties by the same counsel is
inappropriate under applicable standards of professional conduct. In either of
such cases the Indemnifying Party shall not have the right to assume the defense
of such action on behalf of such Indemnified Party. No Indemnifying Party shall
be liable for any settlement entered into without its written consent, which
consent shall not be unreasonably withheld. No Indemnifying Party shall, without
the written consent of the Indemnified Party, effect the settlement or
compromise of, or consent to the entry of any judgment with respect to, any
pending or threatened action or claim in respect of which indemnification or
contribution may be sought hereunder (whether or not the Indemnified Party is an
actual or potential party to such action or claim) unless such settlement,
compromise or judgment (A) includes an unconditional release of the Indemnified
Party from all liability arising out of such action or claim and (B) does not
include a statement as to or an admission of fault, culpability or a failure to
act, by or on behalf of any Indemnified Party. The rights accorded to any
Indemnified Party hereunder shall be in addition to any rights that such
Indemnified Party may have at common law, by separate agreement or otherwise.

                           (d) CONTRIBUTION. If the indemnification provided for
in Section 8(a) from the Indemnifying Party is unavailable to an Indemnified
Party in respect of any losses, claims, damages, expenses or other liabilities
referred to therein, then the Indemnifying Party, in lieu of indemnifying such
Indemnified Party, shall contribute to the amount paid or payable by such
Indemnified Party as a result of such losses, claims, damages, expenses or other
liabilities in such proportion as is appropriate to reflect the relative fault
of the Indemnifying Party and Indemnified Party in connection with the actions
which resulted in such losses, claims, damages, expenses or other liabilities,
as well as any other relevant equitable considerations. The relative faults of
such Indemnifying Party and Indemnified Party shall be determined by reference
to, among other things, whether any action in question, including any untrue or
alleged untrue statement of a material fact or omission or alleged omission to
state a material fact, was made by, or relates to information supplied by, such
Indemnifying Party or Indemnified Party, and the Indemnifying Party's and
Indemnified Party's relative intent, knowledge, access to information and
opportunity to correct or prevent such action. The amount paid or payable by a
party as a result of the losses, claims, damages, expenses or other liabilities
referred to above shall be deemed to include, subject to the limitations set
forth in Sections 8(a), 8(b) and 8(c), any legal or

                                       15
<PAGE>

other fees, charges or expenses reasonably incurred by such party in connection
with any investigation or proceeding.

         The parties hereto agree that it would not be just and equitable if
contribution pursuant to this Section 8(d) were determined by pro rata
allocation or by any other method of allocation which does not take account
of the equitable considerations referred to in the immediately preceding
paragraph. No person guilty of fraudulent misrepresentation (within the
meaning of Section 11(f) of the Act) shall be entitled to contribution
pursuant to this Section 8(d).

                  9. RULE 144; OTHER EXEMPTIONS. If the Company shall have
filed a registration statement pursuant to the requirements of Section 12 of
the Exchange Act or a registration statement pursuant to the requirements of
the Act in respect of Common Stock or securities of the company convertible
into or exchangeable or exercisable for Common Stock, the Company covenants
that it shall file any reports required to be filed by it under the Exchange
Act and the rules and regulations adopted by the SEC thereunder, and that it
shall take such further action as each Holder may reasonably request
(including, but not limited to, providing any information necessary to comply
with Rules 144 and 144A under the Act), all to the extent required from time
to time to enable such Holder to sell Registrable Securities without
registration under the Act within the limitation of the exemptions provided
by (a) Rule 144 or Rule 144A under the Act, as such rules may be amended from
time to time, or (b) any other rules or regulations now existing or hereafter
adopted by the SEC. The Company shall, upon the request of any Holder,
deliver to such Holder a written statement as to whether the Company has
complied with such requirements.

                  10. CERTAIN LIMITATIONS ON REGISTRATION RIGHTS. In the case of
a registration under Section 4 if the Company has determined to enter into an
underwriting agreement in connection therewith, no person may participate in
such registration unless such person (a) agrees to sell such person's securities
on the basis provided therein and (b) completes and executes all questionnaires,
powers of attorney, indemnities, lock-up agreements, underwriting agreements and
other documents reasonably required under the terms of such underwriting
agreements.

                  11. MISCELLANEOUS.

                           (a) RECAPITALIZATIONS, EXCHANGES, ETC. The provisions
of this Agreement shall apply, to the full extent set forth herein with respect
to the Shares, to any and all shares of capital stock of the Company or any
successor or assign of the Company (whether by merger, consolidation, sale of
assets or otherwise) which may be issued in respect of, in exchange for or in
substitution of, the Shares and shall be appropriately adjusted for any stock
dividends, splits, reverse splits, combinations, recapitalizations and the like
occurring after the date hereof.

                           (b) NO INCONSISTENT AGREEMENTS; OTHER REGISTRATION
RIGHTS. The Company shall not enter into any agreement with respect to its
securities that is inconsistent with or adversely affects the rights granted to
the Holders in this Agreement other than any lock-up agreement with the
underwriters in connection with an underwritten offering pursuant to which the
Company agrees, for a period not in excess of 180 days if such underwritten
offering is an Initial Public Offering or, for a period not in excess of 90 days
if such underwritten offering is

                                       16
<PAGE>

not an Initial Public Offering, not to register for sale, and not to sell or
otherwise dispose of, Common Stock or any securities convertible into or
exercisable or exchangeable for Common Stock. The Company shall not grant any
other Person registration rights without the written consent of the
Designated Holders holding at least a majority of the Registrable Securities
held by all of the Designated Holders. If the Company shall at any time
hereafter provide to any holder of any securities of the Company rights with
respect to the registration of such securities and such rights are provided
on terms or conditions more favorable to such holder than the terms and
conditions applicable to the Designated Holders herein, the Company shall
provide (by way of amendment to this Agreement or otherwise) such more
favorable terms or conditions to the Designated Holders under this Agreement.

                           (c) REMEDIES. The Holders, in addition to being
entitled to exercise all rights granted by law, including recovery of damages,
shall be entitled to specific performance of their rights under this Agreement.
The Company agrees that monetary damages would not be adequate compensation for
any loss incurred by reason of a breach by it of the provisions of this
Agreement and hereby agrees to waive in any action for specific performance the
defense that a remedy at law would be adequate.

                           (d) AMENDMENTS AND WAIVERS. Except as otherwise
provided herein, the provisions of this Agreement may not be amended, modified
or supplemented, and waivers or consents to departures from the provisions of
such section may not be given unless the Company has obtained the prior written
consent of (i) the Designated Holders holding at least a majority of the
Registrable Securities held by all of the Designated Holders and (ii) the
Holders holding at least a majority of the Registrable Securities.

                           (e) NOTICES. All notices, demands and other
communications provided for or permitted hereunder shall be made in writing and
shall be by registered or certified first-class mail, return receipt requested,
telecopier, courier service or personal delivery:

                               (i) if to Whitney or the Individual Investors:

                                       c/o J. H. Whitney & Co.
                                       177 Broad Street
                                       Stamford, Connecticut 06901
                                       Telecopier No.: (203) 973-1422
                                       Attention: Jeffrey R. Jay, M.D.

                                       with a copy to:

                                       Paul, Weiss, Rifkind, Wharton & Garrison
                                       1285 Avenue of the Americas
                                       New York, New York 10019-6064
                                       Telecopier No.: (212) 757-3990
                                       Attention: Bruce A. Gutenplan, Esq.

                               (ii) if to FHS:

                                       17
<PAGE>

                                       Foundation Health  Systems, Inc.
                                       21600 Oxnard Street, Suite 2000
                                       Woodland Hills, CA 91367
                                       Telecopier No.: (818) 676-7503
                                       Attention: Michael E. Jansen

                               (iii) if to the Company:

                                       Care Management Science Corporation
                                       3600 Market Street, 6th Floor
                                       Philadelphia, PA 19104
                                       Telecopier No.: (215) 387-9406
                                       Attention: Chief Executive Officer

                                     with a copy to:

                                       Morgan, Lewis & Bockius
                                       1701 Market Street
                                       Philadelphia, PA 19103
                                       Telecopier No.: (215) 963-5299
                                       Attention: Stephen M. Goodman

                               (iv) if to an Existing Shareholder, to its, his
or her address as it appears on the record books of the Company.

         All such notices and communications shall be deemed to have been duly
given: when delivered by hand, if personally delivered; when delivered by
courier, if delivered by commercial overnight courier service; five Business
Days after being deposited in the mail, postage prepaid, if mailed; and when
receipt is acknowledged, if telecopied.

                           (f) SUCCESSORS AND ASSIGNS. This Agreement shall
inure to the benefit of and be binding upon the successors and assigns of the
parties hereto; PROVIDED, HOWEVER, that the registration rights and the other
obligations of the Company contained in this Agreement shall, with respect to
any Registrable Security, be automatically transferred from a Holder to any
subsequent holder of such Registrable Security (including any pledgee).
Notwithstanding any transfer of such rights, all of the obligations of the
Company hereunder shall survive any such transfer and shall continue to inure to
the benefit of all transferees.

                           (g) COUNTERPARTS. This Agreement may be executed in
any number of counterparts and by the parties hereto in separate counterparts,
each of which when so executed shall be deemed to be an original and all of
which taken together shall constitute one and the same agreement.

                           (h) HEADINGS. The headings in this Agreement are for
convenience of reference only and shall not limit or otherwise affect the
meaning hereof.

                                       18
<PAGE>

                           (i) GOVERNING LAW. This Agreement shall be governed
by and construed in accordance with the laws of the Commonwealth of
Pennsylvania, without regard to the principles of conflicts of law of such
State.

                           (j) JURISDICTION. Each party to this Agreement hereby
irrevocably agrees that any legal action or proceeding arising out of or
relating to this Agreement or any agreements or 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 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 the address set forth in Section 10(e), such service to
become effective 10 days after such mailing.

                           (k) SEVERABILITY. If any one or more of the
provisions contained herein, or the application thereof in any circumstance, is
held invalid, illegal or unenforceable in any respect for any reason, the
validity, legality and enforceability of any such provision in every other
respect and of the remaining provisions hereof shall not be in any way impaired,
it being intended that all of the rights and privileges of the Holders shall be
enforceable to the fullest extent permitted by law.

                           (l) RULES OF CONSTRUCTION. Unless the context
otherwise requires, "or" is not exclusive, and references to sections or
subsections refer to sections or subsections of this Agreement.

                           (m) ENTIRE AGREEMENT. This Agreement is intended by
the parties as a final expression of their agreement and intended to be a
complete and exclusive statement of the agreement and understanding of the
parties hereto in respect of the subject matter contained herein. There are no
restrictions, promises, warranties or undertakings in respect of the subject
matter contained herein, other than those set forth or referred to herein. This
Agreement supersedes all prior agreements and understandings between the parties
with respect to such subject matter.

                           (n) FURTHER ASSURANCES. Each of the parties shall
execute such documents and perform such further acts as may be reasonably
required or desirable to carry out or to perform the provisions of this
Agreement.

         IN WITNESS WHEREOF, the undersigned have caused this Agreement to be
executed and delivered by their respective officers hereunto duly authorized on
the date first above written.

                                       19
<PAGE>

                                CARE MANAGEMENT SCIENCE CORPORATION

                                By_________________________________________
                                Name:   David J. Brailer
                                Title:  Chief Executive Officer

                                J.H. WHITNEY III, L.P.

                                By      J.H. Whitney Equity Partners III, L.L.C.
                                        Its General Partner

                                By_________________________________________
                                  Name: Daniel J. O'Brien
                                        Managing Member

                                WHITNEY STRATEGIC PARTNERS III, L.P.

                                By      J.H. Whitney Equity Partners III, L.L.C.
                                        Its General Partner

                                By_________________________________________
                                  Name: Daniel J. O'Brien
                                        Managing Member

                                FOUNDATION HEALTH SYSTEMS, INC.

                                By_________________________________________
                                Name:
                                Title:

                                ZEKE INVESTMENT PARTNERS

                                By_________________________________________
                                  Name: Ed Antoian
                                        Title: General Partner

                                ___________________________________________
                                David J. Brailer

                                       20
<PAGE>

                                ___________________________________________
                                Ronald A. Paulus

                                ___________________________________________
                                Brent Milner

                                ___________________________________________
                                William Winkenwerder

                                       21GMS -- 1997 Stock Option Plan (KDP)

Exhibit 4.3

AT MOBILE.COM, INC.

AMENDED AND RESTATED

1997 STOCK OPTION PLAN

          1.          Purposes of the Plan. The purposes of this Amended and Restated 1997 Stock Option Plan are to attract and retain
the best available personnel for positions of substantial responsibility, to provide additional incentive to Employees and Consultants of the Company and its Subsidiaries and to promote the success of the Company's business. Options granted under the Plan
may be incentive stock options (as defined under Section 422 of the Code) or nonstatutory stock options, as determined by the Administrator at the time of grant of an option and subject to the applicable provisions of Section 422 of the Code, as
amended, and the regulations promulgated thereunder.

          2.          Definitions. As used herein, the following definitions shall apply:

                     (a)          "Administrator" means the Board or any of its
Committees appointed pursuant to Section 4 of the Plan.

                     (b)          "Board" means the Board of Directors of the Company.

                     (c)          "Code" means the Internal Revenue Code of 1986, as
amended.

                     (d)          "Committee" means the Committee appointed by the Board
of Directors in accordance with Section 4(a) of the Plan.

                     (e)          "Common Stock" means the Common Stock of the Company.

                     (f)          "Company" means AT Mobile.com, Inc., a Delaware
corporation.

                     (g)          "Consultant" means any person, including an advisor,
who is engaged by the Company or any Parent or Subsidiary to render services and is compensated for such services, and any director of the Company whether compensated for such services or not; provided that if and in the event the Company registers any
class of any equity security pursuant to the Exchange Act, the term Consultant shall thereafter not include directors who are not compensated for their services or are paid only a director's fee by the Company.

                     (h)          "Continuous Status as an Employee or Consultant" means
the absence of any interruption or termination of service as an Employee or Consultant. Continuous Status as an Employee or Consultant shall not be considered interrupted in the case of: (i) sick leave; (ii) military leave; (iii) any other
leave of absence approved by the Administrator, provided that such leave is for a period of not more than ninety (90) days, unless reemployment upon the expiration of such leave is guaranteed by contract or statute, or unless provided otherwise pursuant
to Company policy adopted from time to time; or (iv) in the case of transfers between locations of the Company or between the Company, its Subsidiaries or their respective successors. For purposes of this Plan, a change in status from an Employee to
a Consultant or from a Consultant to an Employee will not constitute an interruption of Continuous Status as an Employee or Consultant.

                     (i)          "Employee" means any person, including officers and
directors, employed by the Company or any Parent or Subsidiary of the Company, with the status of employment determined based upon such minimum number of hours or periods worked as shall be determined by the Administrator in its discretion, subject to any
requirements of the Code. The payment of a director's fee to a Director shall not be sufficient to constitute "employment" of such Director by the Company.

                     (j)          "Exchange Act" means the Securities Exchange Act of
1934, as amended.

                     (k)          "Fair Market Value" means, as of any date, the fair
market value of Common Stock determined as follows:

                     (i)          If the Common Stock is listed on any established stock exchange or a
national market system including without limitation the Nasdaq National Market, its Fair Market Value shall be the closing sales price for such stock (or the closing bid, if no sales were reported), as quoted on such system or exchange, or the exchange
with the greatest volume of trading in Common Stock for the last market trading day prior to the time of determination, as reported in The Wall Street Journal or such other source as the Administrator deems reliable;

                               (ii)          If the
Common Stock is quoted on the Nasdaq National Market (but not on the National Market thereof) or regularly quoted by a recognized securities dealer but selling prices are not reported, its Fair Market Value shall be the mean between the high bid and low
asked prices for the Common Stock for the last market trading day prior to the time of determination, as reported in The Wall Street Journal or such other source as the Administrator deems reliable; or

                               (iii)          In the
absence of an established market for the Common Stock, the Fair Market Value thereof shall be determined in good faith by the Administrator.

                     (l)          "Incentive Stock Option" means an Option intended to
qualify as an incentive stock option within the meaning of Section 422 of the Code, as designated in the applicable written option agreement.

                     (m)          "Listed Security" means any security of the Company
that is listed or approved for listing on a national securities exchange or designated or approved for designation as a national market system security on an interdealer quotation system by the National Association of Securities Dealers, Inc.

                     (n)          "Nonstatutory Stock Option" means an Option not
intended to qualify as an Incentive Stock Option, as designated in the applicable written option agreement.

                     (o)          "Option" means a stock option granted pursuant to the
Plan.

                     (p)          "Optioned Stock" means the Common Stock subject to an
Option.

                     (q)          "Optionee" means an Employee or Consultant who
receives an Option.

                     (r)          "Parent" means a "parent corporation," whether
now or hereafter existing, as defined in Section 424(e) of the Code, or any successor provision.

                     (s)          "Plan" means this Amended and Restated 1997 Stock
Option Plan.

                     (t)          "Reporting Person" means an officer, director, or
greater than ten percent stockholder of the Company within the meaning of Rule 16a-2 under the Exchange Act, who is required to file reports pursuant to Rule 16a-3 under the Exchange Act.

                     (u)          "Rule 16b-3" means Rule 16b-3 promulgated under the
Exchange Act, as the same may be amended from time to time, or any successor provision.

                     (v)          "Share" means a share of the Common Stock, as adjusted
in accordance with Section 11 of the Plan.

                     (w)          "Stock Exchange" means any stock exchange or
consolidated stock price reporting system on which prices for the Common Stock are quoted at any given time.

                     (x)          "Subsidiary" means a "subsidiary corporation,"
whether now or hereafter existing, as defined in Section 424(f) of the Code, or any successor provision.

          3.          Stock Subject to the Plan. Subject to the provisions of Section 11 of the Plan, the maximum aggregate number of
shares that may be optioned and sold under the Plan is 8,100,000 shares of Common Stock. The shares may be authorized, but unissued, or reacquired Common Stock. If an Option should expire or become unexercisable for any reason without having been
exercised in full, the unpurchased Shares that were subject thereto shall, unless the Plan shall have been terminated, become available for future grant under the Plan. In addition, any shares of Common Stock which are retained by the Company upon
exercise of an Option in order to satisfy the exercise or purchase price for such Option or any withholding taxes due with respect to such exercise shall be treated as not issued and shall continue to be available under the Plan. Shares repurchased by the
Company pursuant to any repurchase right which the Company may have shall not be available for future grant under the Plan.

          4.          Administration of the Plan.

                     (a)          Initial Plan Procedure. Prior to the date, if any,
upon which the Company becomes subject to the Exchange Act, the Plan shall be administered by the Board or a committee appointed by the Board.

                     (b)          Plan Procedure After the Date, if any, Upon Which the Company
Becomes Subject to the Exchange Act.

                               (i)          
Multiple Administrative Bodies. If permitted by Rule 16b-3, grants under the Plan may be made by different bodies with respect to directors, non-director officers and Employees or Consultants who are not Reporting Persons.

                               (ii)          
Administration With Respect to Reporting Persons. With respect to grants of Options to Employees who are Reporting Persons, such grants shall be made by (A) the Board if the Board may make grants to Reporting Persons under the Plan in compliance with Rule 16b-3, or (B) a committee
designated by the Board to make grants to Reporting Persons under the Plan, which committee shall be constituted in such a manner as to permit grants under the Plan to comply with Rule 16b-3. Once appointed, such committee shall continue to serve in
its designated capacity until otherwise directed by the Board. From time to time the Board may increase the size of the committee and appoint additional members thereof, remove members (with or without cause) and appoint new members in substitution
therefor, fill vacancies, however caused, and remove all members of the committee and thereafter directly make grants to Reporting Persons under the Plan, all to the extent permitted by Rule 16b-3.

                               (iii)          
Administration With Respect to Consultants and Other Employees. With respect to grants of Options to Employees or Consultants who are not Reporting Persons, the Plan shall be administered by (A) the Board or (B) a committee designated by the Board, which committee shall be constituted in such a
manner as to satisfy the legal requirements relating to the administration of incentive stock option plans, if any, of applicable corporate and securities laws, of the Code and of any applicable Stock Exchange (the "Applicable Laws"). Once appointed, such Committee shall continue to serve in its designated capacity until otherwise directed by the Board. From time to time the Board may increase the size of the Committee and appoint additional members thereof,
remove members (with or without cause) and appoint new members in substitution therefor, fill vacancies, however caused, and remove all members of the Committee and thereafter directly administer the Plan, all to the extent permitted by the Applicable Laws.

                     (c)          Powers of the Administrator. Subject to the provisions
of the Plan and in the case of a Committee, the specific duties delegated by the Board to such Committee, and subject to the approval of any relevant authorities, including the approval, if required, of any Stock Exchange, the Administrator shall have the
authority, in its discretion:

                               (i)          to
determine the Fair Market Value of the Common Stock, in accordance with Section 2(k) of the Plan;

                               (ii)          to
select the Consultants and Employees to whom Options may from time to time be granted hereunder;

                               (iii)          to
determine whether and to what extent Options or any combination thereof are granted hereunder;

                               (iv)          to
determine the number of shares of Common Stock to be covered by each such option granted hereunder;

                               (v)          to
approve forms of agreement for use under the Plan;

                               (vi)          to
determine the terms and conditions, not inconsistent with the terms of the Plan, of any option granted hereunder;

                               (vii)          to
determine whether and under what circumstances an Option may be settled in cash under Section 9(f) instead of Common Stock;

                               (viii)          to
reduce the exercise price of any Option to the then current Fair Market Value if the Fair Market Value of the Common Stock covered by such Option shall have declined since the date the Option was granted;

                               (ix)          to
construe and interpret the terms of the Plan and Options granted under the Plan; and

                               (x)          in order
to fulfill the purposes of the Plan and without amending the Plan, to modify grants of Options to participants who are foreign nationals or employed outside of the United States in order to recognize differences in local law, tax policies or customs.

                     (d)          Effect of Administrator's Decision. All decisions,
determinations and interpretations of the Administrator shall be final and binding on all holders of Options.

          5.          Eligibility.

                     (a)          Recipients of Grants. Nonstatutory Stock Options
may be granted to Employees and Consultants. Incentive Stock Options may be granted only to Employees. An Employee or Consultant who has been granted an Option may, if he or she is otherwise eligible, be granted additional Options.

                     (b)          Type of Option. Each Option shall be designated in the
written option agreement as either an Incentive Stock Option or a Nonstatutory Stock Option. However, notwithstanding such designations, to the extent that the aggregate Fair Market Value of the Shares with respect to which Options designated as Incentive
Stock Options are exercisable for the first time by any Optionee during any calendar year (under all plans of the Company or any Parent or Subsidiary) exceeds $100,000, such excess Options shall be treated as Nonstatutory Stock Options. For purposes of
this Section 5(b), Incentive Stock Options shall be taken into account in the order in which they were granted, and the Fair Market Value of the Shares subject to an Incentive Stock Option shall be determined as of the date of the grant of such Option.

                     (c)          Employment Relationship. The Plan shall not confer
upon any Optionee any right with respect to continuation of employment or consulting relationship with the Company, nor shall it interfere in any way with such Optionee's right or the Company's right to terminate his or her employment or consulting
relationship at any time, with or without cause.

          6.          Term of Plan. The Plan shall become effective upon the earlier to occur of its adoption by the Board of Directors or
its approval by the stockholders of the Company as described in Section 18 of the Plan. It shall continue in effect for a term of ten (10) years unless sooner terminated under Section 14 of the Plan.

          7.          Term of Option. The term of each Option shall be the term stated in the Option Agreement; provided, however, that
the term shall be no more than ten (10) years from the date of grant thereof or such shorter term as may be provided in the Option Agreement. However, in the case of an Incentive Stock Option granted to an Optionee who, at the time the Option is
granted, owns stock representing more than ten percent (10%) of the total combined voting power of all classes of stock of the Company or any Parent or Subsidiary, the term of the Option shall be five (5) years from the date of grant thereof or such
shorter term as may be provided in the Option Agreement.

          8.          Option Exercise Price and Consideration.

                     (a)          The per share exercise price for the Shares to be issued
pursuant to exercise of an Option shall be such price as is determined by the Board, but shall be subject to the following:

                               (i)          In the
case of an Incentive Stock Option that is:

                                         (A) 
         granted to an Employee who, at the time of the grant of such Incentive Stock Option, owns stock representing more than ten percent (10%) of the total combined voting power of all classes of stock of
the Company or any Parent or Subsidiary, the per Share exercise price shall be no less than 110% of the Fair Market Value per Share on the date of grant.

                                         (B) 
         granted to any Employee, the per Share exercise price shall be no less than 100% of the Fair Market Value per Share on the date of grant.

                               (ii)          In the
case of a Nonstatutory Stock Option that is:

                                         (A) 
         granted to a person who, at the time of the grant of such Option, owns stock representing more than ten percent (10%) of the total combined voting power of all classes of stock of the Company or any
Parent or Subsidiary, the per Share exercise price shall be no less than 110% of the Fair Market Value per Share on the date of the grant.

                                         (B) 
         granted to any person, the per Share exercise price shall be no less than 85% of the Fair Market Value per Share on the date of grant.

                     (b)          The consideration to be paid for the Shares to be issued upon
exercise of an Option, including the method of payment, shall be determined by the Administrator (and, in the case of an Incentive Stock Option, shall be determined at the time of grant) and may consist entirely of (1) cash, (2) check, (3) 
promissory note (subject to the provisions of Section 153 of the Delaware General Corporation Law), (4) other Shares that (x) in the case of Shares acquired upon exercise of an Option, have been owned by the Optionee for more than six months on
the date of surrender or such other period as may be required to avoid a charge to the Company's earnings, and (y) have a Fair Market Value on the date of surrender equal to the aggregate exercise price of the Shares as to which such Option shall be
exercised, (5) authorization for the Company to retain from the total number of Shares as to which the Option is exercised that number of Shares having a Fair Market Value on the date of exercise equal to the exercise price for the total number of
Shares as to which the Option is exercised, (6) delivery of a properly executed exercise notice together with such other documentation as the Administrator and the broker, if applicable, shall require to effect an exercise of the Option and delivery
to the Company of the sale or loan proceeds required to pay the exercise price and any applicable income or employment taxes, (7) delivery of an irrevocable subscription agreement for the Shares that irrevocably obligates the option holder to take
and pay for the Shares not more than twelve months after the date of delivery of the subscription agreement, (8) any combination of the foregoing methods of payment, or (9) such other consideration and method of payment for the issuance of
Shares to the extent permitted under Applicable Laws. In making its determination as to the type of consideration to accept, the Administrator shall consider if acceptance of such consideration may be reasonably expected to benefit the Company.

          9.          Exercise of Option.

                     (a)          Procedure for Exercise; Rights as a Stockholder.
Any Option granted hereunder shall be exercisable at such times and under such conditions as determined by the Administrator, including performance criteria with respect to the Company and/or the Optionee, and as shall be permissible under the terms of
the Plan; provided that such Option shall become exercisable at the rate of at least twenty-five percent (25%) per year over four (4) years from the date the Option is granted. In the event that any of the Shares issued upon exercise of an Option should
be subject to a right of repurchase in the Company's favor, such repurchase right shall lapse at the rate of at least twenty-five percent (25%) per year over four (4) years from the date the Option is granted. Notwithstanding the above, in the case of an
option granted to an officer, director or Consultant of the Company or any Parent or Subsidiary of the Company, the option may become fully exercisable, or a repurchase right, if any, in favor of the Company shall lapse, at any time or during any period
established by the Administrator.

          An Option may not be exercised for a fraction of a Share.

          An Option shall be deemed to be exercised when written notice of such exercise has been given to the Company in accordance with the terms of the Option by the person entitled to exercise the
Option and the Company has received full payment for the Shares with respect to which the Option is exercised. Full payment may, as authorized by the Board, consist of any consideration and method of payment allowable under Section 8(b) of the Plan.
Until the issuance (as evidenced by the appropriate entry on the books of the Company or of a duly authorized transfer agent of the Company) of the stock certificate evidencing such Shares, no right to vote or receive dividends or any other rights as a
stockholder shall exist with respect to the Optioned Stock, not withstanding the exercise of the Option. The Company shall issue (or cause to be issued) such stock certificate promptly upon exercise of the Option. No adjustment will be made for a dividend
or other right for which the record date is prior to the date the stock certificate is issued, except as provided in Section 11 of the Plan.

          Exercise of an Option in any manner shall result in a decrease in the number of Shares that thereafter may be available, both for purposes of the Plan and for sale under the Option, by the
number of Shares as to which the Option is exercised.

                     (b)          Termination of Employment or Consulting Relationship.
Subject to Section 9(c), in the event of termination of an Optionee's Continuous Status as an Employee or Consultant with the Company, such Optionee may, but only within three (3) months (or such other period of time not less than thirty (30) days as
is determined by the Administrator, with such determination in the case of an Incentive Stock Option being made at the time of grant of the Option and not exceeding three (3) months) after the date of such termination (but in no event later than the
expiration date of the term of such Option as set forth in the Option Agreement), exercise his or her Option to the extent that the Optionee was entitled to exercise it at the date of such termination. To the extent that Optionee was not entitled to
exercise the Option at the date of such termination, or if Optionee does not exercise such Option to the extent so entitled within the time specified herein, the Option shall terminate. No termination shall be deemed to occur and this Section 9(b) shall
not apply if (i) the Optionee is a Consultant who becomes an Employee; or (ii) the Optionee is an Employee who becomes a Consultant.

                     (c)          Disability of Optionee.

                               (i)          
Notwithstanding Section 9(b) above, in the event of termination of an Optionee's Continuous Status as an Employee or Consultant as a result of his or her total and permanent disability (within the meaning of Section 22(e)(3) of the Code), Optionee may,
but only within twelve (12) months from the date of such termination (but in no event later than the expiration date of the term of such Option as set forth in the Option Agreement), exercise the Option to the extent otherwise entitled to exercise it at
the date of such termination. To the extent that Optionee was not entitled to exercise the Option at the date of termination, or if Optionee does not exercise such Option to the extent so entitled within the time specified herein, the Option shall terminate
 .

                               (ii)          In the
event of termination of an Optionee's Continuous Status as an Employee or Consultant as a result of a disability which does not fall within the meaning of total and permanent disability (as set forth in Section 22(e)(3) of the Code), Optionee may, but
only within six (6) months from the date of such termination (but in no event later than the expiration date of the term of such Option as set forth in the Option Agreement), exercise the Option to the extent otherwise entitled to exercise it at the date
of such termination. However, to the extent that such Optionee fails to exercise an Option which is an Incentive Stock Option ("ISO") (within the meaning of Section 422 of the Code) within three (3) months of the date of such termination, the Option
will not qualify for ISO treatment under the Code. To the extent that Optionee was not entitled to exercise the Option at the date of termination, or if Optionee does not exercise such Option to the extent so entitled within six months (6) from the date
of termination, the Option shall terminate.

                     (d)          Death of Optionee. In the event of the death of an
Optionee during the period of Continuous Status as an Employee or Consultant since the date of grant of the Option, or within thirty (30) days following termination of Optionee's Continuous Status as an Employee or Consultant, the Option may be
exercised, at any time within six (6) months following the date of death (but in no event later than the expiration date of the term of such Option as set forth in the Option Agreement), by Optionee's estate or by a person who acquired the right to
exercise the Option by bequest or inheritance, but only to the extent of the right to exercise that had accrued at the date of death or, if earlier, the date of termination of Optionee's Continuous Status as an Employee or Consultant. To the extent that
Optionee was not entitled to exercise the Option at the date of death or termination, as the case may be, or if Optionee does not exercise such Option to the extent so entitled within the time specified herein, the Option shall terminate.

                     (e)          Rule 16b-3. Options granted to Reporting Persons shall
comply with Rule 16b-3 and shall contain such additional conditions or restrictions as may be required thereunder to qualify for the maximum exemption for Plan transactions.

                     (f)          Buyout Provisions. The Administrator may at any time
offer to buy out for a payment in cash or Shares, an Option previously granted, based on such terms and conditions as the Administrator shall establish and communicate to the Optionee at the time that such offer is made.

          10.          Stock Withholding to Satisfy Withholding Tax Obligations. 

                     (a)          As a condition of the exercise of an Option granted under the Plan,
the Optionee (or in the case of the Optionee's death, the person exercising the Option) shall make such arrangements as the Administrator may require for the satisfaction of any applicable federal, state, local or foreign withholding tax obligations that
may arise in connection with the exercise of Option and the issuance of Shares. The Company shall not be required to issue any Shares under the Plan until such obligations are satisfied. 

                     (b)          In the case of an Employee and in the absence of any other
arrangement, the Employee shall be deemed to have directed the Company to withhold or collect from his or her compensation an amount sufficient to satisfy such tax obligations from the next payroll payment otherwise payable after the date of an exercise
of the Option. 

                     (c)          This Section 10(c) shall apply only after the date, if any, upon
which the Common Stock becomes a Listed Security. In the case of Optionee other than an Employee (or in the case of an Employee where the next payroll payment is not sufficient to satisfy such tax obligations, with respect to any remaining tax
obligations), in the absence of any other arrangement and to the extent permitted under the Applicable Laws, the Optionee shall be deemed to have elected to have the Company withhold from the Shares to be issued upon exercise of the Option that number of
Shares having a Fair Market Value determined as of the applicable Tax Date (as defined below) equal to the minimum statutory withholding rates for federal and state tax purposes, including payroll taxes, applicable to the exercise. For purposes of this
Section 10, the Fair Market Value of the Shares to be withheld shall be determined on the date that the amount of tax to be withheld is to be determined under the Applicable Laws (the "Tax Date"). 

                     (d)          If permitted by the Administrator, in its discretion, an Optionee
may satisfy his or her tax withholding obligations upon exercise of an Option by surrendering to the Company Shares that (i) in the case of Shares previously acquired from the Company, have been owned by the Optionee for more than six (6) months on
the date of surrender, and (ii) have a Fair Market Value determined as of the applicable Tax Date equal to the minimum statutory withholding rates for federal and state tax purposes, including payroll taxes, applicable to the exercise.

                     (e)          Any election or deemed election by an Optionee to have Shares
withheld to satisfy tax withholding obligations under Section 10 (c) or (d) above shall be irrevocable as to the particular Shares as to which the election is made and shall be subject to the consent or disapproval of the Administrator. Any election by an
Optionee under Section 10(d) above must be made on or prior to the applicable Tax Date.

                     (f)          In the event an election to have Shares withheld is made by an
Optionee and the Tax Date is deferred under Section 83 of the Code because no election is filed under Section 83(b) of the Code, the Optionee shall receive the full number of Shares with respect to which the Option is exercised but such Optionee shall be
unconditionally obligated to tender back to the Company the proper number of Shares on the applicable Tax Date. 

          11.          Adjustments Upon Changes in Capitalization, Merger or Certain Other Transactions.

                     (a)          Changes in Capitalization. Subject to any required
action by the stockholders of the Company, the number of shares of Common Stock covered by each outstanding Option, and the number of shares of Common Stock that have been authorized for issuance under the Plan but as to which no Options have yet been
granted or that have been returned to the Plan upon cancellation or expiration of an Option, as well as the price per share of Common Stock covered by each such outstanding Option, shall be proportionately adjusted for any increase or decrease in the
number of issued shares of Common Stock resulting from a stock split, reverse stock split, stock dividend, combination, recapitalization or reclassification of the Common Stock, or any other increase or decrease in the number of issued shares of Common
Stock effected without receipt of consideration by the Company; provided, however, that conversion of any convertible securities of the Company shall not be deemed to have been "effected without receipt of consideration." Such adjustment shall be made by
the Board, whose determination in that respect shall be final, binding and conclusive. Except as expressly provided herein, no issuance by the Company of shares of stock of any class, or securities convertible into shares of stock of any class, shall
affect, and no adjustment by reason thereof shall be made with respect to, the number or price of shares of Common Stock subject to an Option.

                     (b)          Dissolution or Liquidation. In the event of the
proposed dissolution or liquidation of the Company, the Option will terminate immediately prior to the consummation of such proposed action, unless otherwise provided by the Administrator. The Administrator may, in the exercise of its sole discretion in
such instances, declare that any Option shall terminate as of a date fixed by the Administrator and give each Optionee the right to exercise his or her Option as to all of the Optioned Stock, including Shares as to which the Option would not otherwise be
exercisable. 

                     (c)          Acquisition, Merger or Change in Control.

                              (i)          In
the event of a proposed sale of all or substantially all of the assets of the Company, or the merger of the Company with or into another corporation, or other change in control (a "Change in Control"), the exercisability of each outstanding Option shall
automatically be accelerated completely so that one hundred percent (100%) of the number of shares of Common Stock covered by such Option shall be fully vested upon the consummation of the Change in Control; provided, however, that each outstanding Option
shall automatically be accelerated by only twenty-five percent (25%) of the number of shares of Common Stock covered by such Option that are unvested at the consummation of the Change in Control if and to the extent:  (A) such Option is
either to be assumed by the successor corporation at the consummation of the Change of Control or be replaced with a comparable option to purchase shares of the capital stock of the successor corporation at the consummation of the Change in Control, or
(B) such Option is to be replaced by a comparable cash incentive program of the successor corporation based on the value of the Option at the time of the consummation of the Change in Control, or (C) the acceleration of such Option is subject to
other limitations imposed by the Administrator at the time of grant.

                              (ii)          With
respect to executive officers, the exercisability of each outstanding Option held by such executive officer shall be accelerated completely so that one hundred percent (100%) of the number of shares of Common Stock covered by such Option are fully vested
if such executive officer is terminated by the acquiring corporation within twelve (12) months after the consummation of a Change in Control.

                              (iii)          The
Administrator shall have the authority, in the Administrator's sole discretion, to provide for the automatic acceleration of any outstanding Option upon the occurrence of a Change in Control, but only to the extent that such acceleration does not
interfere with any "pooling of interests" accounting treatment used in connection with the Change in Control.

                     (d)          Certain Distributions. In the event of any
distribution to the Company's stockholders of securities of any other entity or other assets (other than dividends payable in cash or stock of the Company) without receipt of consideration by the Company, the Administrator may, in its discretion,
appropriately adjust the price per share of Common Stock covered by each outstanding Option to reflect the effect of such distribution.

          12.          Non-Transferability of Options. Options may not be sold, pledged, assigned, hypothecated, transferred, or disposed
of in any manner other than by will or by the laws of descent or distribution and may be exercised or purchased during the lifetime of the Optionee only by the Optionee.

          13.          Time of Granting Options. The date of grant of an Option shall, for all purposes, be the date on which the
Administrator makes the determination granting such Option, or such other date as is determined by the Board; provided however that in the case of any Incentive Stock Option, the grant date shall be the later of the date on which the Administrator makes
the determination granting such Incentive Stock Option or the date of commencement of the Optionee's employment relationship with the Company. Notice of the determination shall be given to each Employee or Consultant to whom an Option is so granted within
a reasonable time after the date of such grant.

          14.          Amendment and Termination of the Plan.

                     (a)          Authority to Amend or Terminate. The Board may at
any time amend, alter, suspend or discontinue the Plan, but no amendment, alteration, suspension or discontinuation shall be made that would impair the rights of any Optionee under any grant theretofore made, without his or her consent. In addition, to
the extent necessary and desirable to comply with Rule 16b-3 or with Section 422 of the Code (or any other applicable law or regulation, including the requirements of any Stock Exchange), the Company shall obtain stockholder approval of any Plan
amendment in such a manner and to such a degree as required.

                     (b)          Effect of Amendment or Termination. No amendment or
termination of the Plan shall adversely affect Options already granted, unless mutually agreed otherwise between the Optionee and the Board, which agreement must be in writing and signed by the Optionee and the Company.

          15.          Conditions Upon Issuance of Shares. Shares shall not be issued pursuant to the exercise of an Option unless the
exercise of such Option and the issuance and delivery of such Shares pursuant thereto shall comply with all relevant provisions of law, including, without limitation, the Securities Act of 1933, as amended, the Exchange Act, the rules and regulations
promulgated thereunder, and the requirements of any Stock Exchange.

          As a condition to the exercise of an Option, the Company may require the person exercising such Option to represent and warrant at the time of any such exercise that the Shares are being
purchased only for investment and without any present intention to sell or distribute such Shares if, in the opinion of counsel for the Company, such a representation is required by law.

          16.          Reservation of Shares. The Company, during the term of this Plan, will at all times reserve and keep available such
number of Shares as shall be sufficient to satisfy the requirements of the Plan. The inability of the Company to obtain authority from any regulatory body having jurisdiction, which authority is deemed by the Company's counsel to be necessary to the
lawful issuance and sale of any Shares hereunder, shall relieve the Company of any liability in respect of the failure to issue or sell such Shares as to which such requisite authority shall not have been obtained.

          17.          Agreements. Options shall be evidenced by written agreements in such form as the Administrator shall approve from
time to time.

          18.          Stockholder Approval. Continuance of the Plan shall be subject to approval by the stockholders of the Company
within twelve (12) months before or after the date the Plan is adopted. Such stockholder approval shall be obtained in the degree and manner required under applicable state and federal law and the rules of any Stock Exchange upon which the Common Stock is
listed. All Options issued under the Plan shall become void in the event such approval is not obtained.

          19.          Information and Documents to Optionees. The Company shall provide financial statements at least annually to each
Optionee during the period such Optionee has one or more Options outstanding, and in the case of an individual who acquired Shares pursuant to the Plan, during the period such individual owns such Shares. The Company shall not be required to provide such
information if the issuance of Options under the Plan is limited to key employees whose duties in connection with the Company assure their access to equivalent information. In addition, at the time of issuance of any securities under the Plan, the Company
shall provide to the Optionee a copy of the Plan and a copy of any agreement(s) pursuant to which securities granted under the Plan are issued.

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