Document:

PROMISSORY NOTE

$1,050,000                                                  August 21, 2000

                  FOR VALUE  RECEIVED,  the  undersigned,  LAZAR & COMPANY I.G.,
LLC, a New York limited liability  company with its principal  executive offices
located  at  One  Penn  Plaza,  New  York,  New  York  10119  ("Lazar"),  hereby
unconditionally promises to pay to the order of CONTINENTAL CHOICE CARE, INC., a
New Jersey corporation with its principal  executive offices located at 44 Aspen
Drive,  Livingston,  New Jersey 07039 (the  "Company") or to any other holder of
this Note (the Company or such other holder being the  "Payee"),  the  principal
amount of  $1,050,000.  Principal  and interest  hereunder  shall be paid on the
Maturity Date (as defined herein).  Principal and interest hereunder are payable
in lawful  money of the  United  States of  America to the Payee at its place of
business  specified in Section 6 or in accordance with Section 6, (such place of
business or other place being the "Payment Place"), in cash or other immediately
available U.S. funds. Unless otherwise noted,  capitalized terms used herein but
not defined upon their first usage shall have the meaning ascribed to such terms
in Section 16 hereof. This Note has been issued under the Purchase Agreement and
is secured  pursuant to the  provisions of the Pledge  Agreement and entitled to
the rights thereof.

                  SECTION 1.  Payment of Principal and Interest.

                  (a) Maturity  Date.  The  "Maturity  Date" is August 21, 2003.

                  (b)  Interest.  Lazar  hereby  promises to pay interest on the
unpaid  principal amount of this Note from the date hereof until this Note shall
be  paid  in full in cash or  other  immediately  available  U.S.  funds  at the
Applicable  Rate,  compounded  annually,  computed on the basis of a year of 360
days counting the actual number of days elapsed;  provided,  however, during any
period in which an Event of Default has occurred and is  continuing,  the unpaid
principal amount of this Note, shall thereafter bear interest, payable on demand
at a rate  which is 2% per annum in excess of the  Applicable  Rate,  but not in
excess of the maximum rate of interest permitted by applicable law.

                  (c) Optional Prepayment.  Lazar may, at any time and from time
to time,  without  premium  or  penalty,  prepay  all or a portion of the unpaid
principal  amount of this Note,  together  with unpaid  accrued  interest on the
amount so prepaid to the date  chosen for  prepayment,  payable in cash or other
immediately  available U.S. funds. All prepayments in respect of this Note shall
be applied first to the payment of all expenses to the Payee  hereunder,  second
to interest, and last to the principal amount of this Note.

                  (d) Payment Date.  If any date fixed for payment  hereunder is
not a Business Day,  such payment date shall be extended to the next  succeeding
Business Day, and during any such  extension,  interest on the unpaid  principal
amount of this Note shall accrue and be payable at the Applicable Rate.

                  SECTION 2.  Events of Default.

                  (a) For purposes of this Note, an "Event of Default"  shall be
deemed to have occurred upon:

                           (i) any failure by Lazar to pay (by  delivery of cash
or other  immediately  available  U.S.  funds) all or any portion of  principal,
interest  accruing  thereon or other  amounts due and owing under this Note when
the same shall be due and payable in accordance  with the terms hereof,  whether
on the scheduled date, by acceleration or otherwise; or

                           (ii) any  default  by  Lazar in the due and  punctual
performance  or  observance  of any of the  covenants  or  agreements  of  Lazar
contained  in this Note or in the  Pledge  Agreement,  which  failure  continues
unremedied for a period of 30 days after written notice of such default is given
by the Payee to Lazar; or

                           (iii) (A) the filing by Lazar or Shlomo Lazar,  Lazar
& Company  I.G.,  Inc. or  assignees  thereof to the  Purchase  Agreement or the
Warrant (each a "Lazar Affiliate") of a voluntary petition seeking  liquidation,
reorganization,  arrangement or  readjustment,  in any form, of their respective
debts under Title 11 of the United States Code or any other applicable  domestic
or foreign bankruptcy, insolvency or similar law (or corresponding provisions of
future  laws),  or the  filing  by  Lazar  or a  Lazar  Affiliate  of an  answer
consenting to or acquiescing in any such petition,  (B) the making by Lazar or a
Lazar Affiliate of any assignment for the benefit of their respective creditors,
or the  admission by Lazar or a Lazar  Affiliate in writing of their  respective
inability  to pay their  respective  debts as they become due, (C) the filing of
(x) an involuntary petition against Lazar or a Lazar Affiliate under Title 11 of
the United States Code, or any other applicable  domestic or foreign bankruptcy,
insolvency or similar law (or  corresponding  provisions of future laws), (y) an
application  for the  appointment  of a  custodian,  receiver,  trustee or other
similar official for Lazar or a Lazar Affiliate for all or a substantial part of
their respective assets, or (z) an involuntary petition against Lazar or a Lazar
Affiliate  seeking  liquidation,   winding  up,   reorganization,   arrangement,
adjustment,  protection,  relief or composition of Lazar or a Lazar Affiliate or
any of their  respective  debts under any other  domestic or foreign  insolvency
law, provided that any such filing under this subsection (iii)(C) shall not have
been vacated,  set aside or stayed within a 60 day period from the date thereof,
or (D) the entry against Lazar or a Lazar Affiliate of a final and nonappealable
order for relief under any domestic or foreign bankruptcy, insolvency or similar
law now or hereafter in effect; or

                           (iv) all or any  substantial  part of Lazar's  assets
the loss of which would materially and adversely affect the financial condition,
prospects,  assets or business of Lazar shall be condemned,  seized or otherwise
appropriated,  or  custody or  control  of such  assets  shall be assumed by any
governmental agency or by any court of competent jurisdiction at the instance of
any governmental agency and shall be retained for a period of 60 days; or

                           (v) any material  representation or material warranty
made or deemed  made by Lazar to the Payee in  connection  with the  issuance of
this Note or in any of the Collateral  Documents shall be false or misleading in
any material respect on the date as of which made or deemed made; or

                           (vi) any money judgment  (other than a money judgment
covered by  insurance,  but only if the  insurer  has  admitted  liability  with
respect to such money  judgment),  writ or  warrant  of  attachment,  or similar
process shall be entered or filed  against  Lazar  involving in any such case an
amount in excess of 30% of the then  outstanding  principal and accrued interest
due  under  this  Note,  or any of its  assets  and shall  remain  undischarged,
unvacated, unbonded or unstayed for a period of 60 days; or

                           (vii)  for any  reason  (not due to the  fault of the
Payee) any Collateral Document ceases to be in full force and effect or any Lien
intended to be created  thereby ceases to be or is not valid and  perfected;  or
any Lien in  favor or made for the  benefit  of the  Payee  contemplated  by any
Collateral Document, shall, at any time, be invalidated or otherwise cease to be
in full force and effect (not due to the fault of the Payee); or

                           (viii) the dissolution,  liquidation,  or termination
of Lazar.

                  (b) Upon the  occurrence  and  during the  continuance  of any
Event of Default  described  in Section  2(a) above  other than in clause  (iii)
thereof,  the Payee may, by written notice to Lazar,  declare all or any portion
of the unpaid principal amount of this Note and all interest accrued thereon and
other amounts due and owing  hereunder to be immediately  due and payable.  Upon
the occurrence of any Event of Default described in clause (iii) of Section 2(a)
above, the unpaid principal amount of this Note and all interest accrued thereon
and other amounts due and owing  hereunder  shall  accelerate and become due and
payable, without any action or express notice by the Payee. Demand, presentment,
protest and notice of non-payment are hereby waived by Lazar.  All payments made
following  an Event of Default and all  proceeds of  Collateral  received by the
Payee in  respect  of this Note  shall be  applied  first to the  payment of all
expenses  owing to the  Payee  hereunder,  second to  interest,  and last to the
original principal amount of this Note.

                  SECTION 3.  Collateral.  The  obligations  of Lazar under this
Note are secured by the Pledge  Agreement and reference is made to such document
for  the  terms  and  conditions  governing  the  collateral  security  for  the
obligations of Lazar hereunder.

                  SECTION 4. Waiver or Alteration. None of the provisions hereof
may be waived, altered or amended,  except by a written instrument signed by the
Payee and Lazar,  but no such waiver  shall  extend to any  subsequent  or other
Event of  Default or impair any right  consequent  thereon  except to the extent
expressly provided in such waiver.

                  SECTION 5.  Remedies  Cumulative.  No failure to  exercise  or
delay in exercising any right, remedy, power or privilege hereunder or under the
Collateral  Documents shall operate as a waiver thereof, nor shall any single or
partial exercise of any right, remedy, power or privilege hereunder or under the
Collateral  Documents  preclude  any other or  further  exercise  thereof or the
exercise of any other right, remedy, power or privilege.  The rights,  remedies,
powers and  privileges  provided  herein  and in the  Collateral  Documents  are
cumulative  and not  exclusive of any rights,  remedies,  powers and  privileges
provided at law or in equity.

                  SECTION 6.  Notices.

                  (a)  All   demands,   notices,   communications   and  reports
("notices")  provided  for in this  Note will be in  writing  and will be either
personally  delivered,  mailed by registered or certified  mail (return  receipt
requested) or sent by reputable  overnight  courier  service  (delivery  charges
prepaid) to any party at the address specified below, or at such address, to the
attention of such other person, and with such other copy, as the recipient party
has  specified  by prior  written  notice to the sending  party  pursuant to the
provisions of this Section 6.

              If to Lazar:
              ------------

              Lazar & Company I.G., LLC
              One Penn Plaza, 36th Floor
              New York, New York  10119
              Attention:  President

              with a copy, which will not constitute notice to Lazar, to:
              -----------------------------------------------------------

              Akin, Gump, Strauss, Hauer & Feld, L.L.P.
              590 Madison Avenue
              New York, New York  10022
              Attention:  Steven H. Scheinman
              Facsimile Number:  (212) 872-1002

              If to the Company:
              ------------------

              Continental Choice Care, Inc.
              44 Aspen Drive
              Livingston, New Jersey  07039
              Attention:  President

              with a copy, which will not constitute notice to the Company, to:
              -----------------------------------------------------------------

              Pitney, Hardin, Kipp & Szuch LLP
              200 Campus Drive
              P.O. Box 1945
              Morristown, New Jersey  07962-1945
              Attention:  Joseph Lunin
              Facsimile Number:  (973) 966-1550

                  (b) Any such  notice  will be deemed to have been  given  when
delivered  personally,  on the third business day after deposit postage pre-paid
in the  U.S.  mail,  or on the  business  day  after  deposit  with a  reputable
overnight courier service delivery charges pre-paid, as the case may be.

                  SECTION 7.  Governing  Law.  This Note will be governed by and
construed  in  accordance  with the  domestic  laws of the State of New  Jersey,
without giving effect to any choice of law or conflict rule of any  jurisdiction
that  would  cause  the  laws  of  any  other  jurisdiction  to be  applied.  In
furtherance of the  foregoing,  the internal law of the State of New Jersey will
control the  interpretation  and  construction  of this Note,  even if under any
choice of law or conflict of law  analysis,  the  substantive  law of some other
jurisdiction would ordinarily apply.

                  SECTION  8.  Jurisdiction.  Each  of the  parties  hereby  (a)
irrevocably  submits to the exclusive  jurisdiction  of the state courts of, and
the  federal  courts  located  in,  the  State of New  Jersey  in any  action or
proceeding  arising out of or relating to, this Note, (b) waives,  and agrees to
assert, by way of motion, as a defense,  or otherwise,  in any such suit, action
or proceeding,  any claim that it is not subject  personally to the jurisdiction
of the above-named courts, that its property is exempt or immune from attachment
or execution  under the law of another  jurisdiction,  that the suit,  action or
proceeding  is brought  in an  inconvenient  forum,  that the venue of the suit,
action or proceeding is improper or that this Note or the subject  matter hereof
may not be enforced in or by such court,  and agrees not to seek,  any review by
any  court  of any  other  jurisdiction  which  may be  called  upon to grant an
enforcement of the judgment of any such court.

                  SECTION  9.  Severability.  If any  provision  of this Note is
invalid or unenforceable in any jurisdiction,  the other provisions hereof shall
remain  in full  force  and  effect  in  such  jurisdiction  and  the  remaining
provisions hereof shall be liberally construed in favor of the Payee in order to
effectuate the provisions  hereof and the invalidity of any provision  hereof in
any jurisdiction  shall not affect the validity or  enforceability  of any other
provision in any other jurisdiction, including the State of New Jersey.

                  SECTION  10.  Costs of  Enforcement.  Lazar  agrees to pay, or
reimburse the Payee, on demand, for all losses,  including,  without limitation,
attorneys' fees and disbursements, and costs of settlement incurred by the Payee
after the occurrence of an Event of Default in enforcing any obligation of Lazar
hereunder or in  foreclosing  against the  Collateral or exercising or enforcing
any other right or remedy available by reason of an Event of Default.

                  SECTION 11. Successors and Assigns: Transferability. This Note
shall  inure to the  benefit  of the Payee and be  binding  upon Lazar and their
respective transferees,  successors and assigns;  provided,  however, that Lazar
may not transfer or assign any of its rights or  obligations  hereunder  without
the prior written consent of the Payee;  provided,  further,  that the Payee may
not transfer or assign any of its rights or  obligations  hereunder  without the
prior  written  consent of Lazar,  unless any such  transfer or assignment is by
operation  of law.  Within  five  Business  Days after  receipt of notice of any
assignment by the Payee to any person or entity of all or any part of this Note,
Lazar shall, at the request and expense of such assignee, execute and deliver to
such assignee,  in exchange for the surrendered Note or Notes, a new Note to the
order of such assignee in an amount equal to the amount of this Note assigned to
it, and if the Payee has retained any amount owing to it  hereunder,  a new Note
to the  order of the  Payee in an  amount  equal to the  amount  retained  by it
hereunder,  which  new  Note or  Notes  shall  be  dated  the  same  date as the
surrendered  Note or Notes and be in  substantially  the form of this Note,  and
such assignee will be deemed the Payee under the Note issued to it.

                  SECTION  12.  Replacement  of Note.  Upon  receipt of evidence
reasonably  satisfactory to Lazar of the loss, theft,  destruction or mutilation
of this  Note,  and  Lazar's  receipt  of an  indemnity  agreement  of the Payee
reasonably  satisfactory  to Lazar,  Lazar  will,  at the  expense of the Payee,
execute and deliver, in lieu thereof, a new Note of like terms.

                  SECTION  13.  Further  Assurances.  Lazar  shall  execute  and
deliver  from  time  to  time  to the  Payee  all  such  further  documents  and
instruments and do all such other acts and things as may be reasonably  required
by the Payee to enable the Payee to exercise  and  enforce its rights  hereunder
and under the Collateral  Documents and to perfect,  continue the perfection of,
preserve and protect its Lien on the Collateral.

                  SECTION  14.  Waiver  of  Jury  Trial.  LAZAR  AND  THE  PAYEE
IRREVOCABLY  WAIVE ANY AND ALL  RIGHTS  LAZAR AND THE PAYEE MAY HAVE TO TRIAL BY
JURY IN ANY ACTION,  PROCEEDING, OR CLAIM OF ANY NATURE RELATING TO THIS NOTE OR
THE PLEDGE AGREEMENT.  Lazar and the Payee acknowledge that the foregoing waiver
is knowing and voluntary.

                  SECTION 15. Descriptive Headings.  The descriptive headings of
this Note are inserted for convenience only and do not constitute a part of this
Note.

                  SECTION 16. Definitions.

                  (a) For purposes of this Note,  the  following  terms have the
following meanings:

                  "Applicable Rate" means 7% per annum.

                  "Business Day" shall mean a day other than a Saturday,  Sunday
or other day on which  commercial banks in New York or New Jersey are authorized
or required by law to close.

                  "Collateral"  shall  have the  meaning  given such term in the
Pledge Agreement.

                  "Collateral Documents" shall mean the Purchase Agreement,  the
Pledge Agreement, and all other security agreements,  collateral assignments and
other  agreements or conveyances at any time delivered to the Payee to create or
evidence Liens to secure the obligations of Lazar hereunder.

                  "Lien" shall mean any mortgage, lien, pledge, charge, security
interest or encumbrance  of any kind in respect of any asset,  whether now owned
or hereafter  acquired,  including any conditional sale or other title retention
agreement,  any lease in the nature  thereof,  any option or other  agreement to
sell and any filing of or agreement to give any  financing  statement  under the
Uniform Commercial Code (or equivalent statutes) of any jurisdiction.

                  "Note" means,  collectively,  this Note and any note issued to
an assignee pursuant to Section 11 hereof.

                  "Pledge Agreement" shall mean the Pledge Agreement dated as of
the date  hereof made by Lazar in favor of the  Company,  for itself and for the
benefit of the Payee, as such agreement may be amended, supplemented or modified
from time to time.

                  "Purchase  Agreement" shall mean the Purchase  Agreement dated
as of June 7, 2000  entered  into  between the Company and Lazar  regarding  the
purchase  and  sale of the  Shares  and the  Warrant  as such  agreement  may be
amended, supplemented or modified from time to time.

                  "Warrant"  shall mean the Warrant  dated as of the date hereof
issued by the Company to Lazar.

                  (b) All  references  to  "Sections"  of this Note  shall be to
Sections of this Note unless otherwise specifically provided.

                  IN WITNESS WHEREOF,  Lazar has caused this Note to be executed
by its duly authorized officer as of the day and year first written above.

                                    LAZAR & COMPANY I.G., LLC

                                    By:      LAZAR & COMPANY I.G., INC.
                                             Managing Member

                                                  SHLOMO LAZAR
                                             By:  ________________________
                                                  Shlomo Lazar
                                                  Chief Executive OfficerPLEDGE AGREEMENT

         THIS PLEDGE AGREEMENT (this "Agreement") is made as of this 21st day of
August  2000, by  and  between  LAZAR & COMPANY  I.G.,  LLC, a New  York limited
liability company  (hereinafter,  together with its successors and assigns,  the
"Pledgor")  and  CONTINENTAL   CHOICE  CARE,  INC.,  a  New  Jersey  corporation
(hereinafter,   together  with  its  successors  and  assigns,  the  "Pledgee").
Capitalized  terms used in this Agreement but not defined upon their first usage
are defined in Section 9.1, unless otherwise noted.

                  WHEREAS,  the  Pledgor  and the Pledgee  have  entered  into a
Purchase Agreement dated as of June 7, 2000 (the "Purchase Agreement"), upon the
terms and subject to the  conditions  of which the Pledgee has agreed to sell to
the  Pledgor  certain  "Shares"  and a  "Warrant"  (as  defined in the  Purchase
Agreement); and

                  WHEREAS,  in  connection  with  the  Purchase  Agreement,  the
Pledgor  has  executed  and  delivered  to the Pledgee a  promissory  note dated
August 21,  2000 in the  original  principal  amount  of  $1,050,000  (the
"Promissory Note") in partial payment of the "Purchase Price" (as defined in the
Purchase Agreement) for the Shares and the Warrant; and

                  WHEREAS,  it is a condition  to the  Pledgee's  execution  and
delivery  of the  Purchase  Agreement  and the  receipt  and  acceptance  of the
Promissory  Note that, in order to secure the payment and performance in full of
all of the  obligations  of the Pledgor under the  Promissory  Note, the Pledgor
pledge to the Pledgee:  (1) all of the Shares,  and (2) 840,000 shares of common
stock of Tutor  2000,  Inc.  (the  "Tutor  2000  Shares"),  upon the  terms  and
conditions contained in this Agreement.

        NOW,  THEREFORE,  in consideration of the premises and the covenants and
agreements herein contained, the parties agree as follows:

                                    ARTICLE 1

                         PLEDGE AND ASSIGNMENT BY THE PLEDGOR

         1.1 Pledge and Assignment.  Pursuant to the Purchase  Agreement and the
Promissory  Note, and in order to secure the payment and  performance in full of
all of the Pledgor's Obligations (whether existing on the date of this Agreement
or arising at any time or times thereafter),  the Pledgor,  as beneficial owner,
hereby pledges,  hypothecates  and assigns to the Pledgee,  and hereby grants to
the Pledgee a continuing  security  interest in, the following:  (a) each of the
Initial Pledged Securities and all of the certificates  representing the Initial
Pledged  Securities;  (b) all of the Pledged  Securities  which shall be issued,
distributed or transferred at any time or times after the date of this Agreement
and all of the certificates representing such Pledged Securities; (c) all of the
Pledged  Securities  Dividends;  and (d)  all of the  Pledgor's  rights,  title,
interests,  claims and remedies and all other benefits  whatever now existing or
hereafter  arising  in, to,  under or in respect of all of the  Initial  Pledged
Securities,  all of the other Pledged Securities,  all of the Pledged Securities
Dividends and all of the income and proceeds of any thereof.

                  TO HAVE AND TO HOLD  all of the  foregoing  unto the  Pledgee,
subject, however, to the terms and conditions set forth in this Agreement.

         1.2    Delivery of Certificates Representing Pledged Securities.

                  (a) All of the  certificates  representing the Initial Pledged
Securities  have been  delivered  by the Pledgor to the Pledgee in pledge on the
date of this Agreement. Each of such certificates names the Pledgor as the owner
of record of the Initial Pledged  Securities  represented  thereby.  Each of the
Initial Pledged  Securities has been duly transferred by the Pledgor pursuant to
instruments  of transfer which have been duly executed in blank and delivered to
the Pledgee by the Pledgor.

                  (b) If (and on each  occasion  that)  any  Additional  Pledged
Securities  shall,  at any time  after the date of this  Agreement,  be  issued,
distributed or otherwise  transferred,  the Pledgor will forthwith (i) cause all
of the  certificates  representing  such  Additional  Pledged  Securities  to be
delivered to the  Pledgee,  and (ii) execute in blank and deliver to the Pledgee
instruments  of  securities  transfer,  satisfactory  to the Pledgee in form and
substance,  by which each of such Additional  Pledged  Securities  shall be duly
transferred by the Pledgor to the Pledgee.  Each of such  certificates will name
the  Pledgor  as the  owner of  record  of such  Additional  Pledged  Securities
represented thereby.

         1.3      Voting Power.

                  (a) Until a Notice of  Acceleration  is given to the  Pledgor,
the Pledgor  will be  permitted  to exercise  all voting  powers  pertaining  to
Pledged  Securities  for any  purpose  not  inconsistent  with the terms of this
Agreement or the Promissory Note.

                  (b) The Pledgor acknowledges and agrees with the Pledgee that,
unless the Pledgee otherwise consents, the Pledgor shall have no rights whatever
to exercise any voting powers  pertaining to any Pledged  Securities at any time
after a Notice of Acceleration is given by the Pledgee to the Pledgor.

         1.4      Cash Dividends.

                  (a) Until a Notice of  Acceleration is given by the Pledgee to
the  Pledgor,  the Pledgor  will be  permitted  to receive,  collect and recover
ordinary cash dividends payable in respect of the Pledged Securities (subject to
the covenants and  obligations of the Pledgor under Article 3 of this Agreement)
except that all such cash dividends shall be immediately  applied by the Pledgor
in payment of any outstanding amounts under the Promissory Note.

                  (b) The Pledgor  acknowledges and agrees with the Pledgee that
the Pledgor  shall have no rights prior to the release of all of the  Collateral
pursuant to Section 5.4(a)  (whether before or after a Notice of Acceleration is
given by the Pledgee to the Pledgor) to receive,  collect or recover any Pledged
Securities  Dividends payable (i) in shares of any class of the capital stock of
the  Pledgee or of the capital  stock of any other  entity,  (ii) in  securities
convertible  into or  exchangeable  for or  carrying  any rights to acquire  any
shares of any class in the capital  stock of the Pledgee or the capital stock of
any other entity,  (iii) in options or any other rights to acquire any shares of
any class in the capital  stock of the  Pledgee or of the  capital  stock of any
other entity, or (iv) in any other property of any kind other than cash.

                  (c) The Pledgor  hereby  covenants  with the Pledgee  that, if
(and on each occasion  that) the Pledgor shall  receive,  collect or recover any
Pledged Securities  Dividends in violation or contravention of the provisions of
this  Agreement  or the  Promissory  Note  prior  to the  release  of all of the
Collateral  pursuant to Section 5.4(a), then the Pledgor will hold the dividends
so received, collected or recovered in trust for the Pledgee without commingling
the same with any other  property or funds of the Pledgor,  and,  promptly after
any such dividends shall be received, collected or recovered by the Pledgor, the
Pledgor will pay or deliver the same directly to the Pledgee.

                                    ARTICLE 2

                                 REPRESENTATIONS

         The Pledgor hereby represents and warrants to the Pledgee as follows:

         2.1 Beneficial Ownership of Initial Pledged Securities.  The Pledgor is
the sole record and beneficial owner of each of the Initial Pledged  Securities.
None of the Initial Pledged Securities is subject to any pledge,  hypothecation,
assignment,  mortgage,  lien, security interest,  charge or other encumbrance of
any kind except that created by this  Agreement  (unless  created by the Pledgee
after the date of this  Agreement).  None of the Initial  Pledged  Securities is
subject to any shareholder agreements,  voting agreements,  voting trusts, trust
deeds,  irrevocable  proxies or any other  similar  agreements  or  instruments,
except this  Agreement  (unless  created by the  Pledgee  after the date of this
Agreement).

         2.2  Binding  Effect  of  Agreement.   This  Agreement  has  been  duly
authorized,  executed  and  delivered  by the  Pledgor  and is in full force and
effect.  All of the agreements and obligations of the Pledgor  contained in this
Agreement  constitute  legal,  valid  and  binding  obligations  of the  Pledgor
enforceable against the Pledgor in accordance with their respective terms.

                                    ARTICLE 3

                                    COVENANTS

         3.1  Defense of the  Pledgee's  Title and Rights.  The  Pledgor  hereby
covenants  with the Pledgee  that the Pledgor will defend the  Pledgee's  right,
title and property interest in and to all of the Pledged Securities.  So long as
the  Pledgor's  Obligations  remain  outstanding  and  subject to Article 5, the
Pledgor  will not sell,  assign or  otherwise  transfer or dispose of any of the
Pledged Securities, and it will not create, assume, incur or permit to exist any
mortgage,  lien, pledge,  charge,  security interest or other encumbrance of any
kind in respect of any of the Pledged Securities;  excluding, however, the lien,
pledge, and security interest created under this Agreement.

         3.2  Shareholders  Agreements.  The Pledgor  hereby  covenants with the
Pledgee  that  the  Pledgor  will  not,  with  respect  to any  of  the  Pledged
Securities,  enter into any shareholder  agreements,  voting agreements,  voting
trusts,  trust deeds,  irrevocable  proxies or any other  similar  agreements or
instruments,  except this Agreement, which would restrain, prohibit or adversely
affect the satisfaction by the Pledgor of its obligations under this Agreement.

                                    ARTICLE 4

                                POWER OF ATTORNEY

         The Pledgor hereby absolutely and irrevocably  constitutes and appoints
the Pledgee the Pledgor's true and lawful agent and attorney-in-fact,  with full
power of substitution,  in the name of the Pledgor or in the name of the Pledgee
or in the name of any of the Pledgee's  substitute  agents or attorneys:  (a) to
execute such documents and instruments and do all such acts and things which the
Pledgor  ought  to do under  the  covenants  and  provisions  contained  in this
Agreement;  (b) to take any and all such  action  as the  Pledgee  or any of its
substitute  agents  or  attorneys  may,  in  its  or  their  sole  and  absolute
discretion,   determine  to  be  necessary  or  advisable  for  the  purpose  of
maintaining, preserving or protecting the security constituted by this Agreement
or any of the rights,  remedies,  powers or privileges of the Pledgee under this
Agreement;  and (c) generally,  in the name of the Pledgor or in the name of the
Pledgee or in the name of any of the Pledgee's  substitute  agents or attorneys,
to exercise all or any of the powers,  authorities and discretions  conferred on
or  reserved  to the Pledgee by or  pursuant  to this  Agreement,  and  (without
prejudice  to the  generality  of any of the  foregoing)  to seal and deliver or
otherwise perfect any deed,  assurance,  agreement,  instrument or act which the
Pledgee or any of the Pledgee's  substitute  agents or attorneys may deem proper
in or  for  the  purpose  of  exercising  any of  such  powers,  authorities  or
discretions.  The Pledgor  hereby  ratifies and  confirms,  and hereby agrees to
ratify and  confirm,  whatever  the Pledgee or any of the  Pledgee's  substitute
agents or  attorneys  shall do or purport to do in the  exercise of the power of
attorney  granted to the  Pledgee  pursuant  to this  Article 4, which  power of
attorney,  being given for  security,  is  irrevocable.  The  Pledgee  shall not
exercise  the power of attorney  granted  pursuant to this  Article 4 unless the
Pledgee  gives the  Pledgor  seven  days'  prior  written  notice of the  action
required to be taken by the  Pledgor  and the Pledgor  fails to take such action
during the seven day period.

                                    ARTICLE 5

               TERMS OF THE SECURITY HELD AND RELEASE OF SECURITY

         5.1 Continuing  Security.  The security created by this Agreement shall
be held by the Pledgee as a continuing  security for the payment and performance
of all of the  Pledgor's  Obligations  (whether  existing  on the  date  of this
Agreement or arising from time to time thereafter).  This Agreement,  all of the
rights,  remedies,  powers  and  privileges  of the  Pledgee  hereunder  and the
security  created  hereby  shall be in addition  to, and shall not in any way be
prejudiced or affected by, any other  collateral or any other security now or at
any  time or  times  hereafter  held by the  Pledgee  for all or any part of the
Pledgor's  Obligations.  Each and  every  right,  remedy,  power  and  privilege
conferred on or reserved to the Pledgee shall be cumulative  and in addition to,
and not in limitation of, each and every other right, remedy, power or privilege
conferred  on or reserved  to the  Pledgee  under this  Agreement  or  otherwise
existing or arising. All of the rights,  remedies,  powers and privileges vested
in the  Pledgee  may be  exercised  at such time or times and in such  order and
manner as the Pledgee may, in its sole and absolute discretion, deem expedient.

         5.2 Waivers of Notice;  Assent.  The agreements and  obligations of the
Pledgor to the Pledgee hereunder and the security  constituted  hereby shall not
be, to any  extent or in any way or manner  whatsoever,  satisfied,  discharged,
impaired,  diminished,  released or otherwise  affected by any of the following,
whether  or not the  Pledgor  shall  have had any  notice  or  knowledge  of any
thereof:  (a) the absorption,  consolidation,  merger or amalgamation of, or the
effectuation   of  any  other  change   whatsoever  in  the  name,   membership,
constitution or place of formation of, the Pledgor, the Pledgee, or any of their
respective subsidiaries or affiliates;  (b) any extension or postponement of the
time  for  the  payment  or  performance  of all or any  part  of the  Pledgor's
Obligations,  the  acceptance  of any partial  payment on all or any part of the
Pledgor's  Obligations,  any and all other indulgences whatsoever by the Pledgee
in  respect  of all or  any  part  of the  Pledgor's  Obligations,  the  taking,
addition,  substitution or release, in whole or in part, of any security for all
or any part of the  Pledgor's  Obligations,  or the  addition,  substitution  or
release,  in whole or in part, of any person or persons primarily or secondarily
liable  in  respect  of all or any part of the  Pledgor's  Obligations;  (c) any
action or delay in acting or  failure  to act on the part of the  Pledgee  under
this  Agreement or the  Promissory  Note or in respect of all or any part of the
Pledgor's  Obligations,  (d) any modification or amendment of, or any supplement
or addition to, the Promissory Note; (e) any waiver,  consent or other action or
acquiescence by the Pledgee at any time in respect of any default by the Pledgor
in the performance or observance of or the compliance  with any term,  covenant,
condition,  agreement or obligation contained in the Promissory Note; or (f) the
Promissory  Note or any  provisions of any thereof shall at any time and for any
reason whatsoever cease to be in full force and effect or shall be declared null
and void or illegal,  invalid,  unenforceable  or inadmissible in evidence.  The
Pledgor hereby  absolutely and  irrevocably  assents to and waives notice of any
and all events, conditions, matters and things hereinbefore specified in clauses
(a) to (f), inclusive, of this Section 5.2.

         5.3 No Implied  Waivers.  No course of dealing  between the Pledgor and
the Pledgee,  and no delay on the part of the Pledgee in  exercising  any right,
remedy,  power or  privilege  hereunder  or  provided by statute or by law or in
equity or otherwise,  shall impair, prejudice or constitute a waiver of any such
right,  remedy, power or privilege or be construed as a waiver of any default or
as an  acquiescence  therein;  and any  single or partial  exercise  of any such
right,  remedy,  power or  privilege  shall not  preclude  any other or  further
exercise  thereof  or the  exercise  of any other  rights,  remedies,  powers or
privileges.

         5.4      Release of Collateral.

                  (a) Satisfaction of all of the Pledgor's Obligations. Upon the
payment and  satisfaction  in full of all of the  Pledgor's  Obligations  to the
Pledgee,  the Pledgee will, at the cost and expense of the Pledgor,  (i) release
all of the Pledged  Securities  and  reassign  to the  Pledgor all such  Pledged
Securities,  and (ii) do and execute all such acts, things and instruments as in
the  reasonable  opinion of the Pledgor are  necessary to effect such release or
reassignment.

                  (b)  Satisfaction  of a Portion of the Pledgor's  Obligations.
Upon  the  payment  and  satisfaction  in full  of a  portion  of the  Pledgor's
Obligations  to the  Pledgee,  and in  accordance  with Section 5.5, the Pledgee
will, at the cost and expense of the Pledgor, (i) release a pro-rated portion of
the  Collateral  and  reassign  to the  Pledgor  such  pro-rated  portion of the
Collateral,  and (ii) do and execute all such acts, things and instruments as in
the  reasonable  opinion of the Pledgor are  necessary to effect such release or
reassignment.

                  (c)  Additional  Pledged  Securities.  Upon the request of the
Pledgor,  and subject to Section 5.5, the Pledgee  will, at the cost and expense
of the Pledgor,  (i) release all or a portion of the  Collateral and reassign to
the Pledgor all or such portion of the Collateral upon the pledge by the Pledgor
of Additional  Pledged  Securities in exchange for such  Collateral,  so long as
such  Additional  Pledged  Securities  are equal or  greater  in value  than the
Collateral  requested  to be  released,  and (ii) do and  execute all such acts,
things and instruments as in the reasonable opinion of the Pledgor are necessary
to effect such release or reassignment.

         5.5 Value of Collateral. Collateral may be released pursuant to Section
5.4 so long as the value of the  Collateral  remaining  after any such  proposed
release would equal 115% of the then  outstanding  principal  amount of the Note
and unpaid accrued interest  thereon.  In the event that the Pledgor pledges any
Additional  Pledged Securities in exchange for Initial Pledged  Securities,  the
value of the  Collateral at all times  thereafter  shall equal or exceed 115% of
the then  outstanding  principal  amount of the Note and unpaid accrued interest
thereon, to be calculated as follows:

                  (a) remaining Initial Pledged  Securities  comprised of Shares
shall be valued at 100% of the last market closing price of  Continental  Choice
Care,  Inc.'s  Common  Stock on the Nasdaq  SmallCap  (or such  other  market or
exchange on which Continental  Choice Care, Inc.'s Common Stock is then listed);
and

                  (b) remaining  Initial Pledged  Securities  comprised of Tutor
2000 Shares and/or Additional Pledged Securities shall be valued at (i) the last
market  closing price of such  Additional  Pledged  Security if such  Additional
Pledged  Security is then freely tradeable in an established  public market,  or
(ii) such value as  determined  in good faith by the  Pledgor and the Pledgee if
such Additional  Pledged Security is not then freely tradeable in an established
public market,  provided,  however, if the Pledgor and the Pledgee are unable to
agree upon a value for any such proposed Additional Pledged Security after using
reasonable  efforts  to do so,  the  Pledgor  may not pledge  such  security  in
exchange for any Collateral.

Following any release or exchange of all or a portion of the Collateral pursuant
to Section  5.4(c),  in the event that the value of the  Collateral is less than
100% of the then  outstanding  principal  amount of the Note for 30  consecutive
days, the Pledgor shall pledge such Additional  Pledged  Securities as necessary
to  increase  the  value  of the  Collateral  to  115% of the  then  outstanding
principal amount of the Note.

                                    ARTICLE 6

                           ENFORCEMENT OF THE SECURITY

         6.1  Conditions  of  Enforceability  of the  Security.  If any Event of
Default (as defined in the Promissory Note) shall at any time occur, the Pledgee
may, by giving notice to the Pledgor,  declare all of the Pledgor's  Obligations
immediately  due and  payable.  Upon the giving of any such  notice,  all of the
Pledgor's  Obligations  shall (to the extent not already due and payable) become
and be  immediately  due and  payable,  and  the  security  constituted  by this
Agreement  shall become  immediately  enforceable  by the  Pledgee,  without any
presentment,  demand,  protest  or other  notice of any  kind,  all of which are
hereby expressly and irrevocably waived by the Pledgor.

         6.2 Evidence of Pledgor's Obligations. In any legal proceedings against
the Pledgor for enforcing any  agreements  or  obligations  of the Pledgor under
this Agreement,  a certificate of the Pledgee as to the aggregate  amount of all
of the  Pledgor's  Obligations  shall  be  conclusive  evidence  thereof  absent
manifest error.

         6.3 Manner of Enforcement  of Security.  At any time after the security
constituted by this Agreement shall have become  enforceable,  the Pledgee shall
have,  in any  jurisdiction  where  enforcement  is sought,  all of the  rights,
remedies,  powers and  privileges  conferred on the Pledgee,  as secured  party,
under the  Uniform  Commercial  Code of the State of New  Jersey,  and,  without
limiting the generality of the foregoing,  the Pledgee shall have the full right
and power in respect of the Collateral or any part thereof in the Pledgee's sole
and complete discretion to do all and any of the following things:

                  (a) to  cause  all or any of the  Initial  Pledged  Securities
comprised of Shares to be reacquired by the Pledgee and thereafter canceled, and
the value  thereof  (as  determined  pursuant  to  Section  5.5)  applied to the
original principal amount of the Note;

                  (b) to take  possession of the Collateral or any part thereof,
wherever the same may be, without legal process and without  compliance with any
other condition  precedent imposed by statute,  rule of law or otherwise (all of
which the Pledgor  hereby  expressly and  irrevocably  waives),  and to call in,
collect,  convert into money or otherwise  deal with the  Collateral or any part
thereof with full power to sell  (including the power to postpone such sale) the
Collateral or any part thereof, either together or in lots, and either by public
auction or private  contract,  and either for a lump sum or for a sum payable by
installments  or for a sum on account and a mortgage or charge for the  balance,
and with full power upon every sale to make any special or other  stipulation as
to title or evidence  thereof or otherwise  which the Pledgee shall deem proper,
and with full power to buy in or rescind  or vary any  contract  for sale of the
Collateral or any part thereof and to resell the same without being  responsible
for any loss which may be occasioned thereby,  and with full power to compromise
and effect  compositions,  and,  for the purposes  aforesaid or any of them,  to
execute and do all such assurances and things as the Pledgee may think fit;

                  (c) to settle,  adjust,  compromise  and arrange all accounts,
reckonings, controversies,  questions, claims and demands whatsoever in relation
to all or any part of the Collateral;

                  (d) to cause all or any of the Pledged  Securities  and all or
any other  Collateral to be sold,  assigned or  transferred to the Pledgee or to
any other person or persons and to be  registered  in the name of the Pledgee or
any other person or persons and to exercise or permit the exercise of any powers
or rights  incident to all or any part of the  Collateral  in such manner as the
Pledgee  shall  think  fit,  and,  in  respect  of all  or  any  of the  Pledged
Securities,  to  exercise  or permit  the  exercise  of all  rights  and  powers
conferred  by statute or otherwise  upon a registered  holder or owner of record
thereof,  including,  without limitation, the calling or causing to be called of
meetings,  and proposing or causing to be proposed resolutions (whether ordinary
or special  resolutions),  including  resolutions  for  winding up and voting at
meetings;

                  (e) to execute and do all such contracts,  agreements,  deeds,
documents and things, and to bring,  defend and abandon all such actions,  suits
and  proceedings in relation to all or any part of the Collateral as the Pledgee
shall think expedient;

                  (f) to appoint managers, agents, officers and servants for any
of the purposes  mentioned in the  foregoing  provisions of this Section 6.3 for
such periods as the Pledgee shall think fit and to dismiss the same; and

                  (g) generally,  to do all such other acts and things as may be
considered  incidental or conducive to any of the matters or powers mentioned in
the foregoing provisions of this Section 6.3 and which the Pledgee may or can do
lawfully  and to use the name of the Pledgor for the purposes  aforesaid  and in
any proceedings arising therefrom.

                  Without  limiting the  foregoing and so long as the Shares are
not registered for resale under a then effective registration  statement, at any
bona fide public sale, and to the extent  permitted by law, at any private sale,
the Pledgee shall be free to purchase all or any part of the Collateral, free of
any right or equity  of  redemption  in the  Pledgor,  which  right or equity is
hereby  waived and released.  Any such sale may be on cash or credit.  Following
any such sale,  the value of the  Collateral  sold (as  determined  pursuant  to
Section 5.5), shall be applied to the original principal amount of the Note. The
Pledgee shall be authorized at any such sale (if it deems it advisable to do so)
to restrict the prospective  bidders or purchasers to persons who will represent
and agree  that they are  purchasing  the  Collateral  for their own  account in
compliance  with Section 4(1) or Section 4(2) or Regulation D of the  Securities
Act of 1933, as amended (the "Act") or any other applicable  exemption available
under  the  Act.  The  Pledgee  will  not be  obligated  to make  any sale if it
determines not to do so, regardless of the fact that notice of the sale may have
been  given.  The Pledgee may adjourn any sale and sell at the time and place to
which  the  sale  is  adjourned.  If the  Collateral  is  customarily  sold on a
recognized  market or  threatens to decline  speedily in value,  the Pledgee may
sell such  Collateral  at any time  without  giving prior notice to the Pledgor.
Whenever  notice is  otherwise  required by law to be sent by the Pledgee to the
Pledgor of any sale or other  disposition of the  Collateral,  five days written
notice sent to the Pledgor will be deemed reasonable.

                  The Pledgor recognizes that the Pledgee may, if the Shares are
not  registered  for resale under a then effective  registration  statement,  be
unable to effect or cause to be  effected  a public  sale of the  Collateral  by
reason of certain prohibitions  contained in the Act, so that the Pledgee may be
compelled  to  resort  to one or more  private  sales to a  restricted  group of
purchasers  who will be obligated to agree,  among other things,  to acquire the
Collateral  for their own  account,  for  investment  and  without a view to the
distribution or resale thereof.  The Pledgor  understands  that private sales so
made may be at prices and on other  terms less  favorable  to the seller than if
the  Collateral  were sold at public  sales,  and agrees that the Pledgee has no
obligation to delay or agree to delay the sale of any of the  Collateral for the
period of time necessary to permit the issuer of the  securities  which are part
of the Collateral  (even if the issuer would agree) to register such  securities
for sale under the Act.  The Pledgor  agrees that  private  sales made under the
foregoing  circumstances  shall be deemed  to have  been made in a  commercially
reasonable manner.

         6.4 Cooperation of the Pledgor. The Pledgor recognizes that the Initial
Pledged  Securities  are not readily  marketable  and that the  Initial  Pledged
Securities or any Additional Pledged Securities may not be marketable at all. In
order,  therefore,  to enable the  Pledgee to use such means as the  Pledgee may
determine  necessary or advisable  to realize upon the  Collateral  from time to
time, and in order to induce the Pledgee to enter into the Purchase Agreement in
reliance upon the  Collateral,  the Pledgor hereby  absolutely  and  irrevocably
consents  that the Pledgee  may use  whatever  means the Pledgee may  reasonably
consider necessary or advisable to sell any or all of the Collateral at any time
or times after the  security  constituted  by this  Agreement  shall have become
enforceable,  including,  without limitation,  the giving of options to purchase
any or all of the  Collateral  and the giving of credit to any  purchaser of the
Collateral.

         6.5 Protection of Persons Dealing with Agent. No purchaser,  mortgagor,
mortgagee,  lender,  debtor or other person dealing with the Pledgee or with any
attorney or agent of the Pledgee  shall be  concerned to inquire (a) whether the
security  constituted by this Agreement has become enforceable,  (b) whether any
power exercised or purported to be exercised  hereunder has become  exercisable,
(c) whether any money remains due upon the security of this Agreement, (d) as to
the propriety,  regularity or purpose of the exercise of any power hereunder, or
(e) as to the  application  of any  money  paid to the  Pledgee  or to any  such
attorney or agent.

         6.6  Protection  of  Security.  In  addition  to the  rights and powers
hereinabove  given,  the Pledgee may,  whether or not any Event of Default shall
have  occurred and whether or not the  security  constituted  by this  Agreement
shall have become  enforceable,  enter into possession of and hold, or appoint a
receiver to take possession of and hold, any part of the Collateral which may at
any time appear to the Pledgee in danger of being taken under any process of law
by any creditor of the Pledgor or to be in jeopardy or otherwise endangered.

                                    ARTICLE 7

                       APPLICATION OF MONEY IN COLLATERAL

         Cash  realized by the Pledgee  after the security  constituted  by this
Agreement shall have become  enforceable as well as all cash then held or at any
time or times  thereafter  received by the Pledgee as realizations of all or any
part of the  Collateral  shall  be held by the  Pledgee  to  apply  the  same as
follows:

         FIRST:  in or towards the payment and  discharge of all (if any) debts,
damages  and  liabilities,  the  payment  of  which  shall  be  secured  by  any
assignments, mortgages, security interests, charges, liens or other encumbrances
having priority over the rights of the Pledgee in and to such money;

         SECOND:  in or  towards  the  payment  of,  or (as the case may be) the
reimbursement  of,  the  Pledgee  for  or in  respect  of all  costs,  expenses,
disbursements  and losses  which shall have been  incurred or  sustained  by the
Pledgee in or about or incidental to the collection of such money by the Pledgee
or the exercise,  protection or  enforcement by the Pledgee of all or any of the
rights,  remedies,  powers and privileges of the Pledgee under this Agreement or
in respect  of the  Collateral  and in or  towards  the  provision  of  adequate
indemnity to the Pledgee  against all taxes or liens which by law shall have, or
may have, priority over the rights of the Pledgee in and to such money;

         THIRD: in or towards the payment of all of the Pledgor's Obligations;

         FOURTH:  to the  payment of the  surplus  (if any) to the Pledgor or to
such other person or persons as shall be entitled to receive such surplus.

        If after  exhausting  all of the Collateral  there is a deficiency,  the
Pledgor will be liable therefor to the Pledgee; provided,  however, that nothing
contained herein will obligate the Pledgee to proceed against the Pledgor or any
other  party  obligated  under the  Pledgor's  Obligations  or against any other
collateral  for the  Pledgor's  Obligations  prior  to  proceeding  against  the
Collateral.

                                    ARTICLE 8

                        PROVISIONS OF GENERAL APPLICATION

         8.1      Notices.

                  (a)  All   demands,   notices,   communications   and  reports
("notices") provided for in this Agreement will be in writing and will be either
personally  delivered,  mailed by registered or certified  mail (return  receipt
requested) or sent by reputable  overnight  courier  service  (delivery  charges
prepaid) to any party at the address specified below, or at such address, to the
attention of such other person, and with such other copy, as the recipient party
has  specified  by prior  written  notice to the sending  party  pursuant to the
provisions of this Section 8.1.

               If to the Pledgor:
               ------------------

               Lazar & Company I.G., LLC
               One Penn Plaza, 36th Floor
               New York, New York 10119
               Attention:  President

               with a copy, which will not constitute notice to the Pledgor, to:
               -----------------------------------------------------------------

               Akin, Gump, Strauss, Hauer & Feld, L.L.P.
               590 Madison Avenue
               New York, New York  10022
               Attention:  Steven H. Scheinman
               Facsimile Number:  (212) 872-1002

               If to the Pledgee:
               ------------------

               Continental Choice Care, Inc.
               44 Aspen Drive
               Livingston, New Jersey  07039
               Attention:  President

               with a copy, which will not constitute notice to the Pledgee, to:
               -----------------------------------------------------------------

               Pitney, Hardin, Kipp & Szuch LLP
               200 Campus Drive
               P.O. Box 1945
               Morristown, New Jersey  07962-1945
               Attention:  Joseph Lunin
               Facsimile Number:  (973) 966-1550

                  (b) Any such  notice  will be deemed to have been  given  when
delivered,  on the third business day after deposit postage pre-paid in the U.S.
mail,  or on the business day after deposit with a reputable  overnight  courier
services delivery charges pre-paid, as the case may be.

         8.2  Indemnification.  Following the  occurrence of an Event of Default
and while such Event of Default is continuing,  without  prejudice to any of the
other  provisions  of this  Agreement,  the Pledgor will pay to the Pledgee,  on
demand by the  Pledgee  at any time and as often as the  occasion  therefor  may
require,  any and  all  reasonable  costs,  charges,  expenses  and  other  sums
expended,  paid or  debited  in  account  by the  Pledgee,  whether by itself or
through any receiver,  attorney,  substitute  or agent,  for any of the purposes
referred to in this Agreement or otherwise howsoever in relation to the security
over the  Collateral or any part thereof  created by this  Agreement,  including
(without   prejudice  to  the   generality  of  the  foregoing)  the  reasonable
remuneration of any such receivers, attorneys, substitutes or agents employed by
the  Pledgee  for any such  purposes  and any and all  other  reasonable  costs,
charges and expenses  (whether in respect of  litigation or not) incurred in the
maintenance,  preservation,  protection,  realization or enforcement  of, or the
collection  and  recovery of any moneys from time to time  arising  under,  such
security (or any security collateral or supplemental  thereto),  or in realizing
or  exercising  any other  power,  authority  or  discretion  in relation to the
Collateral or any part  thereof,  or otherwise  incurred  under any provision of
this  Agreement,  to the intent  that the  Pledgee  shall be afforded a full and
unlimited  indemnity  in respect  thereof,  and,  until so repaid,  such  costs,
charges, expenses and other sums shall be charged on the Collateral (but without
prejudice to any other remedy, lien or security available to the Pledgee).

         8.3 Further  Assurances.  The Pledgor  hereby  further  agrees with the
Pledgee to execute,  acknowledge and deliver any and all such further assurances
and other deeds, agreements or instruments, and to take or cause to be taken all
such other action, as shall be reasonably  requested by the Pledgee from time to
time in order to give full effect to this  Agreement and to maintain,  preserve,
safeguard and continue at all times all or any of the rights,  remedies,  powers
and  privileges  of the Pledgee  under this  Agreement,  all without any cost or
expense to the  Pledgee.  Without  limiting  the  foregoing,  if the  Collateral
includes  securities  or any other  financial  or other assets  maintained  in a
securities account, then the Pledgor agrees to cause the financial or securities
intermediary on whose books and records the ownership interest of the Pledgor in
the  Collateral  appears to  execute  and  deliver a  notification  and  control
agreement  satisfactory  to the  Pledgee in order to  perfect  and  protect  the
Pledgee's security interests in the Collateral.

         8.4 Binding  Effect.  This Agreement shall be binding upon and inure to
the benefit of the Pledgor and the Pledgee and their  respective  successors and
assigns;  except  that (i) the  Pledgor  shall not have the right to assign  its
obligations  hereunder or any interest  herein without the prior written consent
of the  Pledgee,  and (ii) the  Pledgor  shall not have the right to assign  its
rights hereunder or any interest herein without the prior written consent of the
Pledgee  unless any such  assignment  is to any  successor to its  business,  by
operation  of law, or pursuant to a pledge by the Pledgee to secure  obligations
of the Pledgee.

         8.5  Severability.  In the event that any one or more of the provisions
contained in this Agreement shall be invalid,  illegal or  unenforceable  in any
respect  under  any  law  applicable   thereto,   the  validity,   legality  and
enforceability of the remaining provisions contained herein shall not in any way
be affected or impaired thereby,  and the Pledgor hereby agrees with the Pledgee
to execute any new agreement,  deed or other instrument necessary to remedy such
invalidity,  illegality or unenforceability or in order to preserve the security
constituted by the Collateral.

         8.6 Governing  Law. This Agreement will be governed by and construed in
accordance  with the domestic  laws of the State of New Jersey,  without  giving
effect to any  choice of law or  conflict  rule of any  jurisdiction  that would
cause the laws of any other  jurisdiction  to be applied.  In furtherance of the
foregoing,  the  internal  law of the  State  of New  Jersey  will  control  the
interpretation  and construction of this Agreement,  even if under any choice of
law or conflict of law analysis,  the substantive law of some other jurisdiction
would ordinarily apply.

         8.7 Jurisdiction. Each of the parties hereby (a) irrevocably submits to
the  exclusive  jurisdiction  of the state  courts  of, and the  federal  courts
located in, the State of New Jersey in any action or  proceeding  arising out of
or relating  to, this  Agreement,  (b) waives,  and agrees to assert,  by way of
motion, as a defense, or otherwise, in any such suit, action or proceeding,  any
claim that it is not subject  personally to the  jurisdiction of the above-named
courts, that its property is exempt or immune from attachment or execution under
the law of another jurisdiction,  that the suit, action or proceeding is brought
in an inconvenient  forum,  that the venue of the suit,  action or proceeding is
improper or that this Agreement or the subject matter hereof may not be enforced
in or by such  court,  and  agrees  not to seek,  any review by any court of any
other  jurisdiction  which may be  called  upon to grant an  enforcement  of the
judgment of any such court.

         8.8 Effect of Headings. The headings used in this Agreement are for the
purpose of reference only and will not affect the meaning or  interpretation  of
any provision of this Agreement.

         8.9 Execution in  Counterparts.  The parties may execute this Agreement
in separate  counterparts  (no one of which need contain the  signatures  of all
parties),  each of which  will be an  original  and all of which  together  will
constitute one and the same instrument.

                                    ARTICLE 9
                                   DEFINITIONS

         9.1  Provisions  Pertaining  to  Definitions.   For  purposes  of  this
Agreement:

                  (a)  "Additional  Pledged  Securities"  means other  shares of
capital stock, bonds, notes or other securities from time to time pledged to the
Pledgee (i) in exchange for any of the Pledged  Securities  in  accordance  with
Section  5.4(b),  or (ii) in order to increase  the value of the  Collateral  in
accordance with Section 5.5; and "Additional  Pledged Security" means any one of
the Additional Pledged Securities.

                  (b)  "Collateral"  means,  collectively,  all of  the  Pledged
Securities,  all of the Pledged  Securities  Dividends,  and all other property,
assets,  accounts and money, and all of the income, proceeds and products of any
thereof,  in,  to,  under or in  respect  of  which  the  Pledgee  or any of the
nominees,  agents or representatives of the Pledgee, by this Agreement or by any
agreement  or  agreements  supplemental  hereto,  shall  acquire  any  rights or
interests as security for the payment or  performance  of all or any part of the
Pledgor's Obligations.

                  (c) "Initial  Pledged  Securities"  means (i) the Shares,  and
(ii) the Tutor 2000  Shares;  all of which the Pledgor  warrants are legally and
beneficially  owned  by the  Pledgor  on the  date  of this  Agreement,  and the
certificates  for which  shall be  delivered  by the  Pledgor to the  Pledgee in
pledge upon the terms contained in this Agreement.

                  (d) "Notice of  Acceleration"  means a notice from the Pledgee
to the Pledgor by which the Pledgee shall,  as provided in the Promissory  Note,
declare all of the Pledgor's Obligations immediately due and payable.

                  (e) "Pledged Securities" means, collectively,  (i) the Initial
Pledged Securities,  (ii) any Additional Pledged Securities, and (iii) all other
shares of capital stock into which any Initial Pledged  Securities or Additional
Pledged  Securities  may be converted,  exchanged or  reclassified  or otherwise
which may be issued,  transferred  or distributed on or in respect of all of any
of the Initial Pledged  Securities,  the Additional  Pledged Securities or other
Pledged Securities.

                  (f) "Pledged Securities  Dividends" means,  collectively,  (i)
all dividends and distributions of every kind whatever which shall become and be
due and payable or  distributable  on or in respect of all or any of the Pledged
Securities,  (ii) all payments of every kind whatever  which shall become and be
due and  payable  or  distributable  on  account  of the  purchase,  redemption,
repurchase  or other  retirement  of all or any of the Pledged  Securities,  and
(iii)  all  other  distributions  of every  kind  whatever  (including,  without
limitation, all capital distributions) which shall become and be due and payable
or distributable on or in respect of all or any of the Pledged  Securities;  and
"Pledged Securities Dividend" means any one of the Pledged Securities Dividends.

                  (g) "Pledgor's  Obligations" means,  collectively,  all of the
indebtedness, obligations and liabilities existing on the date of this Agreement
or arising from time to time  thereafter,  whether direct or indirect,  joint or
several,  actual,  absolute or contingent,  matured or unmatured,  liquidated or
unliquidated,  secured or  unsecured,  arising by contract,  operation of law or
otherwise,  of the Pledgor to the  Pledgee  under the  Promissory  Note and this
Agreement;   and  "Pledgor's   Obligation"   means  any  one  of  the  Pledgor's
Obligations.

         IN WITNESS WHEREOF,  this Pledge Agreement has been duly executed by or
on behalf  of each of the  parties  hereto  as of the day and in the year  first
above written in the State of New Jersey.

                                  LAZAR & COMPANY I.G., LLC

                                  By:      LAZAR & COMPANY I.G., INC.
                                           Managing Member

                                                SHLOMO LAZAR
                                           By:  _________________________
                                                Shlomo Lazar
                                                Chief Executive Officer

                                  CONTINENTAL CHOICE CARE, INC.

                                           STEVEN L. TRENK
                                  By:      ________________________________
                                           Steven L. Trenk
                                           President

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