Document:

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                                  Exhibit 10.2

                       CARE MANAGEMENT SCIENCE CORPORATION

               1998 TIME ACCELERATED RESTRICTED STOCK OPTION PLAN

     1.   PURPOSE OF THE PLAN.

          This stock option plan (the "Plan") is intended to encourage ownership
of the common stock of Care Management Science Corporation, a Pennsylvania I
Corporation (the "Company"), by employees of the Company and its subsidiaries,
to induce qualified personnel to enter and remain in the employ of the Company
or its subsidiaries and otherwise to provide additional incentive for optionees
to promote the success of its business.

     2.   STOCK SUBJECT TO THE PLAN.

          (a)  The total number of shares of the authorized but unissued or
Treasury shares of the common stock, without par value, of the Company ("Common
Stock") for which options may be granted under the Plan shall not exceed 483,594
shares, subject to adjustment as provided in Section 12 hereof.

          (b)  If an option granted or assumed hereunder shall expire or
terminate for any reason without having been exercised in full, the unpurchased
shares subject thereto shall again be available for subsequent option grants
under the Plan at the election of the Board of Directors of the Company (the
"Board of Directors").

          (c)  Stock issuable upon exercise of an option granted under the Plan
shall be subject to such restrictions on transfer, repurchase rights or other
restrictions as shall be determined by the Board of Directors and set forth in
the Agreement (as defined in Section 6).

     3.   ADMINISTRATION OF THE PLAN.

          (a)  The Plan shall be administered by the Board of Directors. No
member of the Board of Directors shall act upon any matter exclusively affecting
any option granted or to be granted to himself or herself under the Plan. A
majority of the members of the Board of Directors shall constitute a quorum, and
any action may be taken by a majority of those present and voting at any
meeting. The decision of the Board of Directors as to all questions of
interpretation and application of the Plan shall be final, binding and
conclusive on all persons. The Board of Directors may, in its sole discretion,
grant options to purchase shares of the Company's Common Stock and issue shares
upon exercise of such options as provided in the Plan. The Board of Directors
shall have authority, subject to the express provisions of the Plan, to construe
the respective option agreements and the Plan, to prescribe, amend and rescind
rules and regulations relating to the Plan, to determine the terms and
provisions of the respective

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option agreements, which may but need not be identical, to make all other
determinations in the judgment of the Board of Directors and necessary or
desirable for the administration of the Plan. The Board of Directors may correct
any defect or supply any omission or reconcile any inconsistency in the Plan or
in any option agreement in the manner and to the extent it shall deem expedient
to carry the Plan into effect and shall be the sole and final judge of such
expediency. No director shall be liable for any action or determination made in
good faith.

          (b)  The Board of Directors may, in its discretion, delegate its
powers, duties and responsibilities to a committee (the "Committee") consisting
of two or more directors, each of whom is a "non-employee director" (as defined
from time to time in Rule 16b-3 promulgated under the Securities Exchange Act of
1934) and an "Outside director" as defined under Section 162(m) of the Internal
Revenue Code of 1986, as amended (the "Code") and related Treasury regulations.
The Board of Directors may at any time and from time to time appoint a member or
members of the Committee in substitution for or in addition to the member or
members then in office and may fill vacancies on the Committee however caused.
The Committee shall choose one of its members as Chairman and shall hold
meetings at such times and places as it shall deem advisable. A majority of the
members of the Committee shall constitute a quorum and any action may be taken
by a majority of those present and voting at any meeting. Any action may also be
taken without the necessity of a meeting by a written instrument signed by a
majority of the Committee. If a Committee is so appointed, all references to the
Board of Directors herein shall mean and relate to such Committee, unless the
context otherwise requires.

          (c)  With respect to the participation of any officer or director in
the Plan, his or her selection as an optionee and the number of option shares to
be allocated to such officer or director shall be determined either (i) by the
Board of Directors or (ii) by, or only in accordance with, the recommendations
of a Committee, as defined in Section 3(b) above. The provisions of this Section
3(c) shall not apply with respect to any option granted prior to the date of the
first registration of an equity security of the Company under Section 12 of the
Securities and Exchange Act of 1934.

     4.   TYPE OF OPTIONS.

     Options granted pursuant to the Plan shall be authorized by action of the
Board of Directors of the Company and shall be non-qualified options which are
not Intended to meet the requirements of such Section 422 of the Internal
Revenue Code of 1986 (the "Code").

     5.   ELIGIBILITY.

          (a)  Options may be granted to officers and senior management of the
Company or of any of its subsidiaries.

          (b)  Directors who are not otherwise employees of the Plan.

          (c)  In determining the eligibility of an individual to be individual,
the Board of Directors shall take into account the position and responsibilities
of the individual being

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considered, the nature and value to the Company or its subsidiaries of his or
her service and accomplishments, his or her present and potential contribution
to the success of the Company or its subsidiaries, and such other factors as the
Board of Directors may deem relevant.

     6.   OPTION AGREEMENT.

     Each option shall be evidenced by an option agreement (the "Agreement")
duly executed on behalf of the Company and by the optionee to whom such option
is granted, which Agreement hall comply with and be subject to the terms and
conditions of the Plan. The Agreement may contain such other terms, provisions
and conditions which are not inconsistent with the Plan, as may be determined by
the Board of Directors. No option shall be granted within the meaning of the
Plan and no purported grant of any option shall be effective until the Agreement
shall have been duly executed on behalf of the Company and the optionee. More
than one option may be granted to an individual. The terms of any Agreement,
including the terms relating to the vesting of options covered thereby, may be
modified or amended from time to time with the consent of the Board of Directors
and the holder of such options. The Agreement may contain restrictions on
transfer of the shares issuable upon exercise thereof.

     7.   OPTION PRICE.

          (a)  The option price of shares of the Company's Common (a) Stock for
options granted hereunder shall be at least the fair market value of such Common
Stock on the date of such grant, and shall be equal to or greater than the price
Paid by J.H. Whitney III, L.P. pursuant to its initial investment in the
Company, as described in the Stock Purchase Agreement dated December 23, 1998,
between the Company, J.H. Whitney III, L.P., Whitney Strategic Partners III,
L.P. and certain Individual Investors (as defined therein).

          (b)  If such shares are then listed on any national securities
exchange or on NASDAQ National Market System, the fair market value shall be the
mean between the high and low sales prices, if any, on the largest such exchange
on the date of the grant of the option or, if none, shall be determined by
taking a weighted average of the means between the highest and lowest sales
prices on the nearest date before and the nearest date after the date of grant
in accordance with Treasury Regulations Section 25.2512-2. If the shares are not
then listed on any such exchange, the fair market value of such shares shall be
the mean between the closing "Bid" and the closing "Ask" prices, if any, as
reported in the National Association of Securities Dealers Automated Quotation
System other dm the National Market System ("NASDAQ") for the date of the grant
of the option, or, if none, shall be determined by taking a weighted average of
the means between the highest and lowest sales prices on the nearest date before
and the nearest date after the date of grant in accordance with Treasury
Regulations Section 25.2512-2. If the shares are not then either listed on any
such exchange or quoted in NASDAQ, the fair market value shall be the mean
between the average of the "Bid" and the average of the "Ask" prices, if any, as
reported in the National Daily Quotation Service for the date of the grant of
the option, or, if none, shall be determined by taking a weighted average of the
means between the highest and lowest sales on the nearest date before and the
nearest date after the date of grant in accordance with Treasury

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Regulations Section 25.2512-2. If the fair market value cannot be determined
under the preceding three sentences, it shall be determined in good faith by the
Board of Directors.

     8.   MANNER OF PAYMENT; MANNER OF EXERCISE.

          (a)  Options granted under the Plan may provide for the payment of the
exercise price by delivery of: (i) cash or a check payable to the order of the
Company in an amount equal to tile exercise price of such options; (ii) shares
of Common Stock of the Company owned by the optionee having a fair market value
equal in amount to the exercise price of the options being exercised or (iii)
any combination of (i) and (ii); provided that payment of the exercise price in
whole or in Part by delivery of shares of Common Stock of the Company owned by
such optionees may be made only with the consent of the Company. The fair market
value of any shares of the Company's Common Stock which may be delivered upon
exercise of an Option shall be determined by the Board of Directors in
accordance with Section 7 hereof

          (b)  To the extent that the right to purchase shares under an Option
has accrued and is in effect, options may be exercised in full at one time or in
Part from time to time, by giving written notice, signed by the person or
persons exercising the option, to the Company, stating the number of shares with
respect to which the Option is being exercised, accompanied by payment in full
for such shares as Provided in subparagraph (a) above. Upon such exercise,
delivery of a certificate for paid-up non-assessable shares shall be made at the
principal office of the Company to the person or persons exercising the option
at such time, during ordinary business hours, within thirty (30) days from the
date of receipt of the notice by the Company, as shall be designated in such
notice, or at such time, place and manner as may be agreed upon by the Company
and the person or persons exercising the option.

     9.   EXERCISE OF OPTIONS.

          (a)  Each option granted under the Plan shall, subject to Section 10
and Section 12 hereof, be exercisable on the seventh anniversary of the date of
grant thereof, provided, however, that the exercisability of such options may be
accelerated on such terms as may be set forth in the agreement evidencing such
options; provided, further, however, that no option granted under the Plan shall
have a term in excess of ten (10) years from the date of grant.

          (b)  To the extent that an option to purchase shares is not exercised
by an optionee when it becomes initially exercisable, it shall not expire but
shall be carried forward and shall be exercisable, on a cumulative basis, until
the expiration of the exercise period.

     10.  TERM OF OPTIONS; EXERCISABILITY.

          (a)  Term.

               (1)  Each option shall expire not more than ten (10) years from
the date of the granting thereof, but shall be subject to earlier termination as
herein provided.

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               (2)  Except as otherwise provided in this Section 10, or as may
be provided in an agreement evidencing options granted hereunder, an option
granted to any employee optionee who ceases to be an employee of the Company or
One of its subsidiaries shall terminate as of the close of business thirty (30)
calendar days after the date such optionee ceases to be an employee of the
Company or any of its subsidiaries, or on the date on which the option expires
by its terms, whichever Occurs first.

               (3)  If such termination of employment is because the optionee
has become permanently disabled (within the meaning of Section 22(e)(3) of the
Code), such option shall terminate as of the close of business on the last day
of the Sixth month from the date such optionee ceases to be an employee, or on
the date on which the Option expires by its terms, whichever occurs first.

               (4)  In the event of the death of any optionee, any option
granted to such optionee shall terminate as of the close of business on the last
of the twelfth month from the date of death, or on the date on which the option
day expires by its terms, whichever occurs first.

          (b)  EXERCISABILITY.

     An option that is subject to early termination due to Section 10(a)(2),
10(a)(3) or 10(a)(4) shall be exercisable only to the extent that the right to
purchase shares under such option has accrued and is in effect on the date of
termination.

     11.  OPTIONS NOT TRANSFERABLE.

     The right of any optionee to exercise any option granted to him or her
shall not be assignable or transferable by such optionee otherwise dm by will or
the laws of descent and distribution, and any such option shall be exercisable
during the lifetime of such optionee only by him or, in the event of the
permanent disability of the optionee, by his personal representative or the
person who acquired the rights of the optionee with respect to the option as a
result of the optionee's disability. Any option granted under the Plan shall be
null and void and without effect upon the bankruptcy of the optionee to whom the
option is granted, or upon any attempted assignment or transfer, except as
herein provided, including without affiliation any purported assignment, whether
voluntary or by operation of law, pledge, hypothecation or other disposition,
attachment, trustee process or similar process, whether legal or equitable, upon
such option.

     12.  RECAPITALIZATIONS, REORGANIZATIONS AND THE LIKE.

          (a)  In the event that the outstanding shares of the Common Stock of
the Company are changed into or exchanged for a different number or kind of
shares or other securities of the Company or of another corporation by reason of
any reorganization, merger, consolidation, recapitalization, reclassification,
stock split-up, combination of shares, or dividends payable in capital stock,
appropriate adjustment shall be made in the number and kind of shares as to
which options may be granted under the Plan and as to which outstanding options
or portions thereof then unexercised shall be exercisable, to the end that the
proportionate interest of the optionee

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shall be maintained as before the occurrence of such event; such adjustment in
outstanding Options shall be made without change in the total price applicable
to the unexercised Portion Of such options and with a corresponding adjustment
in the option price per share.

          (b)  In addition, unless otherwise determined by the Board of
Directors in its sole discretion, in the case of any (i) sale or conveyance to
another entity of all or substantially all of the property and assets of the
Company or (ii) Change in Control (as hereinafter defined) of the Company, the
purchaser(s) of the Company's assets or stock may, in his, her or its
discretion, deliver to the optionee the same kind of consideration that is
delivered to the shareholders of the Company as a result of such sale,
conveyance or Change in Control, or the Board of Directors, in its sole
discretion, may cancel all outstanding options in "change for consideration in
cash or in kind which consideration in both cases shall be equal in value to the
value of those shares of stock or other securities the optionee would have
received had the option been exercised (to the extent then exercisable) and no
disposition of the shares acquired upon such exercise been made prior to such
sale, conveyance or Change in Control, less the option price therefor. Upon
receipt of such consideration by the optionee, his or her option shall
immediately terminate and be of no further force and effect. The value of the
stock or other securities the optionee would have received if the option had
been exercised shall be determined in good faith by the Board of Directors of
the Company, and in the case of shares of the Common Stock of the Company, in
accordance with the provisions of Section 7 hereof The Board of Directors shall
also have the power and right to, but shall be under no obligation to,
accelerate the exercisability of any options, notwithstanding any limitations in
this Plan or in the Agreement upon such a sale, conveyance or Change in Control.
A "Change in Control" shall be deemed to have occurred if any person, or any two
or more persons acting as a group, and all affiliates of such person or persons,
who prior to such time owned less than ten percent (10%) of the then outstanding
Common Stock of the Company, shall acquire such additional share of the
Company's Common Stock in one or more transactions, or series of transactions,
such that following such transaction or transactions, such person or group and
affiliates beneficially own fifty-one percent (51%) or more of the Company's
Common Stock outstanding.

          (c)  Upon dissolution or liquidation of the Company, all options
granted under this Plan shall terminate, but each optionee (if at such time in
the employ of or otherwise associated with the Company or any of its
subsidiaries) shall have the right, immediately prior to such dissolution or
liquidation, to exercise his or her option to the extent then exercisable.

          (d)  If by reason of a corporate merger, consolidation, acquisition of
property or stock, separation, reorganization, or liquidation, the Board of
Directors shall authorize the issuance or assumption of a stock option or stock
options in a transaction to which Section 424(a) of the Code applies, then,
notwithstanding any other provision of the Plan, the Board of Directors may
grant an option or options upon such terms and conditions as it may deem
appropriate for the purpose of assumption of the old option, or substitution of
a new option for the old option, in conformity with the provisions of such
Section 424(a) of the Code and the Regulations thereunder, and ally such option
shall not reduce the number of shares otherwise available for issuance under the
plan.

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          (e)  No fraction of a share shall be purchasable or deliverable upon
the exercise of any option, but in the event any adjustment hereunder of the
number of shares covered by the option shall cause such number to include a
fraction of a share, such fraction shall be adjusted to the nearest smaller
whole number of shares.

     13.  NO SPECIAL EMPLOYMENT RIGHTS.

     Nothing contained in the Plan or in any option granted under the Plan shall
confer upon any option holder any right with respect to the continuation of his
or her employment by the Company (or any subsidiary) or interfere in any way
with the right of the Company (or any subsidiary), subject to the terms of any
separate employment agreement to the contrary, at any time to terminate such
employment or to increase or decrease the compensation of the option holder from
the rate in existence at the time of the grant of an option. Whether an
authorized leave of absence, or absence military or government service, shall
constitute termination of employment shall be determined by the Board of
Directors at the time.

     14.  WITHHOLDING.

     The Company's obligation to deliver shares upon the exercise of any option
granted under the Plan shall be subject to the option holder's satisfaction of
all applicable Federal, state and local income, excise employment and any other
tax withholding requirements.

     15.  RESTRICTIONS ON ISSUE OF SHARES.

          (a)  Notwithstanding the provisions of Section 8, the Company may
delay the issuance of shares covered by the exercise of an option and the
delivery of a certificate for such shares until one of the following conditions
shall be satisfied:

               (i)  The shares with respect to which such option has been
exercised are at the time of the issue of such shares effectively registered or
qualified under applicable Federal and state securities acts now in force or as
hereafter amended; or

               (ii) Counsel for the Company shall have given an opinion, which
opinion shall not be unreasonably conditioned or withheld, that such shares are
exempt from registration and qualification under applicable Federal and state
securities acts now in force or as hereafter amended.

          (b)  It is intended that all exercises of options shall be effective,
and the Company shall use its best efforts to bring about compliance with the
above conditions within a reasonable time, except that the Company shall be
under no obligation to qualify shares or to cause a registration statement or a
post-effective amendment to any registration statement to be prepared for the
purpose of covering the issue of shares in respect of which any option may be
exercised, except as otherwise agreed to by the Company in writing.

     16.  PURCHASE FOR INVESTMENT: RIGHTS OF HOLDER ON SUBSEQUENT REGISTRATION.

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     Unless the shares to be issued upon exercise of an option granted under the
Plan have been effectively registered under the Securities Act of 1933, as now
in force or hereafter amended, the Company shall be under no obligation to issue
any shares covered by any option unless the person who exercises such option, in
whole or m part, shall give a written representation and undertaking to the
Company which is satisfactory in form and scope to counsel for the Company and
upon which, in the opinion of such counsel, the Company may reasonably rely,
that he or she is acquiring the shares issued pursuant to such exercise of the
option for his or her own account as an investment and not with a view to, or
for sale in connection with, the distribution of any such shares, and that he or
she will make no transfer of the same except in compliance with any rules and
regulations in force at the time of such transfer under the Securities Act of
1933, or any other applicable law, and that if shares are issued without such
registration, a legend to this effect may be endorsed upon the securities so
issued. In the event that the Company shall, nevertheless, deem it necessary or
desirable to register under the Securities Act of 1933 or other applicable
statutes any shares with respect to which an option shall have been exercised,
or to qualify any such shares for exemption from the Securities Act of 1933 or
other applicable statutes, then the Company may take such action and may require
from each optionee such information in writing for use in any registration
statement, supplementary registration statement, prospectus, preliminary
prospectus or offering circular as is reasonably necessary for such purpose and
may require reasonable indemnity to the Company and its Officers and directors
from such holder against all losses, claims, damages and liabilities arising
from such use of the information so furnished and caused by any untrue statement
of any material fact therein or caused by the omission to state a material fact
required to be stated therein or necessary to make the statements therein 'lot
misleading in the light of the circumstances under which they were made.

     17.  LOANS.

     The Company may make loans to optionees to permit them to exercise Options,
if loans are made, the requirements of all applicable Federal and state laws and
regulations regarding such loans must be met.

     18.  MODIFICATION OF OUTSTANDING OPTIONS.

     The Board of Directors may authorize the amendment of any outstanding
option with the consent of the optionee when and subject to such conditions as
are deemed to be in the best interests of the Company and in accordance with the
purposes of the Plan.

     19.  APPROVAL OF STOCKHOLDERS.

     The Plan shall be subject to approval by the vote of stockholders holding
at least a majority of the voting stock of the Company present, or represented,
and entitled to vote at a duly held stockholders' meeting, or by written consent
of all of the stockholders, within twelve (12) months after the adoption of the
Plan by the Board of Directors and shall take effect as of the date of adoption
by the Board upon such approval. The Board of Directors may grant options

<PAGE>

under the Plan prior to such approval, but any such option shall become
effective as of the date of grant only upon such approval and, accordingly, no
such option may be exercisable prior to such approval.

     20.  TERMINATION AND AMENDMENT OF PLAN.

     Unless sooner terminated as herein provided, the Plan shall terminate ten
(10) years from the date upon which the Plan was duly authorized by the Board of
Director's of the Company. The Board of Directors may at any time terminate the
Plan or make such modification or amendment thereof as it deems advisable;
provided, however, that except as provided in Section 19, the Board of Directors
may not, without the approval of the stockholders of the Company obtained in the
manner stated in Section 19, increase the maximum number of shares for which
options may be granted or change the designation of the class of persons
eligible to receive options under the Plan or make any other change in the Plan
which requires stockholder approval under applicable law or regulations.
Termination or any modification or amendment of the Plan shall not, without the
consent of an optionee, affect his or her rights under an option theretofore
granted to him or her.

     21.  RESERVATION OF STOCK.

     The Company shall at all times during the term of the Plan reserve and keep
available such number of shares of stock as will be sufficient to satisfy the
requirements of the Plan and shall pay all fees and expenses necessarily
incurred by the Company in connection therewith.

     22.  LIMITATION OF RIGHTS IN OPTION SHARES.

     An optionee shall not be deemed for any purpose to be a stockholder of the
Company with respect to any of the options except to the extent that the option
shall have been exercised with respect thereto and, in addition, a certificate
shall have been issued theretofore and delivered to the optionee.

     23.  NOTICES.

     Any communication or notice required or permitted to be given under the
Plan shall be in writing, and mailed by registered or certified mail or
delivered by hand, if to-the Company, to its principal place of business,
attention: President, and, if to an optionee, to the address as appearing on
the records of the Company.

Approved by Shareholders:  _____________________<PAGE>

                                                                    EXHIBIT 10.3

CERTAIN PORTIONS OF THIS EXHIBIT HAVE BEEN OMITTED AND SUCH PORTIONS HAVE BEEN
FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A
REQUEST FOR CONFIDENTIAL TREATMENT.

                           UNIVERSITY OF PENNSYLVANIA

Center for Technology Transfer
Suite 300
3700 Market Street
Philadelphia, PA   19104-3147
215-573-4500
FAX:  215-898-9519

Ronald A. Paulus, M.D.
Care Management Science Corporation
3600 Market Street, 6th Floor
Philadelphia, PA   19104
April 28, 1997

             RE: PENN/CMS LICENSE AGREEMENT EFFECTIVE APRIL 1, 1995,
                       RESTATED ON OR ABOUT MAY 1, 19997.

Dear Dr. Paulus:

This letter agreement is between the University of Pennsylvania ("Penn") and
Care Management Science ("CMS") for the purposes of clearing up an issue
pertaining to sublicenses as defined in Section 2.1 in the above referenced
License Agreement. For the purposes of this letter, "End-User Sublicense" shall
mean a sublicense granted by CMS which allows the sublicensee to use, but not to
modify or to distribute the software. "Distributor Sublicense" shall mean a
sublicense granted by CMS to a third party which allows that third party to
modify the software, and sublicense it in the form of End-User sublicenses only.

It is agreed between the parties that CMS shall have the right to grant both
End-User Sublicenses and Distributor Sublicenses. It is further agreed that:

<PAGE>

1.       any Distributor Sublicense granted by CMS shall be subject to the terms
         and provisions of the License Agreement;

2.       royalties would flow to Penn in the exact same manner as they would if
         CMS were selling directly [*];

3.       any such distribution rights would also be subject to the exact same
         contractual language and other requirements of the License Agreement as
         if CMS were licensing the software directly;

4.       Penn shall receive [*] of any up-front license initiation fees or other
         consideration paid to CMS for sublicense rights; and

5.       any third parties distributing the Licenses Work shall be required to
         report to CMS, and CMS shall report any such Distributor licensee sales
         to Penn in the same manner that CMS reports its own sales to Penn.

Sincerely,

/s/  Louis P. Berneman

Louis P. Berneman
Managing Director, Center for Technology Transfer

AGREED TO AND ACCEPTED:

 /S/ RONALD A. PAULUS
-------------------------------
Ronald A. Paulus, M.D.              Date  5/1/97
Care Management Science Corporation

[*] WE ARE SEEKING CONFIDENTIAL TREATMENT OF THESE TERMS, WHICH HAVE BEEN
OMITTED. THE CONFIDENTIAL PORTIONS HAVE BEEN FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION.

<PAGE>

                           RESTATED LICENSE AGREEMENT

                                 by and between

                 THE TRUSTEES OF THE UNIVERSITY OF PENNSYLVANIA

                                       and

                       CARE MANAGEMENT SCIENCE CORPORATION

                     (formerly The Center for Health Choice)

                                      1995

<PAGE>

         This LICENSE AGREEMENT is made as of the 1st day of April, 1995 between
THE TRUSTEES OF THE UNIVERSITY OF PENNSYLVANIA, a nonprofit corporation
organized and existing under the laws of the Commonwealth of Pennsylvania (the
'University'), and Care Management Science Corporation, both corporations
organized and existing under the laws of the Commonwealth of Pennsylvania
("Licensee").

         The Effective Date is April 1, 1995.

WHEREAS The University owns the Licensed Program and Licensed Technical
Information (each as defined below) and copyrights and other proprietary rights
relating thereto; and

WHEREAS Licensee desires to obtain from the University an exclusive license to
use the Licensed Program and Licensed Technical Information, subject to the
terms, conditions and provisions hereinafter set forth; and

WHEREAS The University and Licensee (formerly called The Center for Health
Choice ) have entered into an agreement dated July 1, 1993 relating to subject
matter in some respects to the subject matter of this agreement whereby this
agreement supersedes the July 1, 1993 agreement;

WHEREAS The University and Licensee have entered into an agreement dated April
1, 1995 and signed in March 1995 relating to the same subject matter as the
subject matter of this agreement whereby this agreement restates and supersedes
the July 1, 1993 agreement;

NOW, THERFORE in consideration of the premises and of the promises and mutual
covenants contained herein, and intending to be legally bound hereby, the
parties hereto agree as follows:

                                    ARTICLE I
                                   DEFINITIONS

         The following terms, as used herein, shall have the following meanings:

         "AFFILIATE" means, when used with references to Licensee, any Person
directly or indirectly controlling, controlled by or under common control with
Licensee. For purposes of this Agreement, 'control' means the direct or indirect
ownership of over 50% of the outstanding voting securities of a Person, or the
right to receive over 50 % of the profits or earnings of a Person, or the right
to control the policy decisions of a Person.

         "BANKRUPTCY EVENT" means the Person in question becomes insolvent, or
voluntary or involuntary proceedings by or against such Person are instituted in
bankruptcy or under any insolvency law, or a receiver or custodian is appointed
for such Person, or proceedings are instituted by or against such Person for
corporate reorganization or the dissolution of any such Person, which
proceeding, if involuntary, shall not have been dismissed within ninety (90)
days after the date of filing, or such Person makes an assignment for the
benefit of creditors, or substantially all of the assets of such Person are
seized or attached and not released within sixty (60) days thereafter.

<PAGE>

         "CALENDAR QUARTER"' means each three-month period, or any portion
thereof, beginning on January 1, April 1, July 1 and October 1.

         "CONFIDENTIAL INFORMATION" means and includes (i) the Source Code and
object Code of the Licensed Program and the related Documentation, (ii) the
Licensed Technical Information; (iii) any other information or material in
tangible form that is marked as confidential or proprietary by the furnishing
party at the time it is delivered to the receiving party, and (iv) information
that is furnished orally if the furnishing party identifies such information as
confidential or proprietary when it is disclosed and promptly confirms such
designation in writing after such disclosure.

         "COPYRIGHT" means the copyrights related to the Licensed Work,
including the copyright applications and registration(s), if any, listed on
Exhibit A attached hereto and made part hereof, authorized under Title 17 of the
United States Code or under the laws of any other jurisdiction.

         "CUSTOMER" means any Person who has executed a valid End User Agreement
or any other form of sublicense agreement approved by the University relating to
the license set forth herein.

         "Documentation" means the explanatory and instructive materials in hard
copy, including manuals and other printed or visually-perceptible materials,
that describe the use, function or operation of a computer software program.

         "END USER AGREEMENT" means an agreement between Licensee and a Person
granting the right to use or benefit from any of the rights granted hereinunder.

         "FEES" shall mean, cumulatively, Service Fees and Sublicense Fees.
Licensee shall establish; 1) stand-alone Sublicense Fees and 2) Service Fees for
use of the Licensed Work. If Licensee charges a customer Service Fees for a
package of services, only some of which involves use of the Licensed Program,
and no volume or other customer discount is provided, then the portion of
Licensee's revenues representing Fees shall not be less than the separate prices
or Fees charged by Licensee on a stand-alone basis for services using the
Licensed Work. If Licensee charges a customer service Fees on such a package of
services and a volume or other discount is provided, then the discount related
to use of the Licensed Work shall be no greater than the discount related to
other services provided by Licensee. University acknowledges that Licensee may
have to negotiate Sublicense Fee discounts from its published fees in the usual
course of doing

Licensee shall be permitted to deduct qualifying costs directly attributable to
the sublicensing of the Licensed Work, which are actually identified on the
invoice and borne by Licensee, or the provision of services using the Licensed
Work, which are actually identified on the invoice and borne by Licensee or its
sublicensee.

         Such qualifying costs shall be limited to the following:

<PAGE>

         (i)      Discounts, in amounts customary in the trade, for quantity
purchases, prompt payments and for wholesalers and distributors;

         (ii)     Credits or refunds, not exceeding the original invoice amount,
for claims or returns.

         (iii)    Prepaid transportation insurance amounts;

         (iv)     Prepaid outbound transportation expenses; and

         (v)      Sales and use taxes, imposed by a government agency upon
Licensee.

         "LICENSED PROGRAM"  means the software program in source code, object
code, or any other form described in the copyright registrations and
applications for copyright registration set forth in Exhibit A hereto, together
with (i) Modifications thereto, (ii) all Documentation, and (iii) all derivative
works based on the foregoing.

"LICENSED TECHNICAL INFORMATION" means the underlying proprietary analytic
routines related to the econometric model which was developed for the Corporate
Hospital Rating Project, THE CORPORATE HOSPITAL RATING PROJECT: MEASURING
HOSPITAL OUTCOMES FROM A BUYER'S PERSPECTIVE USING UB-B2 LIKE DATA. For the
purposes of this agreement UB-B2 like data is defined as information about
specific patients regarding their admissions to hospitals that includes their
diagnoses, Procedures, mute of admission and discharge, and the charges
associated with hospital stays. It does not include information about
out-patients, resource use, test results, treatment or intentions. Licensed
Technical Information also includes the underlying models reflected in A THEORY
OF FOCUSED OPERATIONS IN HEALTH CARE; RISK-ADJUSTMENTS AND MEASUREMENT OF
AMBULATORY OUTCOMES; and A THEORY OF CONGESTION IN GENERAL HOSPITALS the
copyright information for which is listed in Exhibit A hereto.

         "LICENSED WORK" means the Licensed Program and Licensed Technical
Information, and any portion of Modification thereof, as well as all United
States and foreign Copyrights.

         "MODIFICATION" of work means any and all changes including
improvements, enhancements, corrections, revisions to the work or any portion
thereof, and any derivative of or work substantially similar to any of the
foregoing, made by the University or the Licensee.

         "PERSON" or "PERSONS" means any corporation, partnership, joint venture
or natural person. "Sale" as applied to the Licensed Work means a genuine BONA
FIDE transaction for which consideration is received or expected for the use,
lease, transfer or any other disposition of the Licensed Work. A Sale of the
Licensed Work shall be deemed completed at the time Licensee or its sublicensee
invoices, ships, or receives payment for such Licensed Work, whichever occurs

"SERVICE FEES" means gross consideration actually received by Licensee as a fee
for Use of the Licensed Work. The University hereby acknowledges that Licensee
has in the past and will

<PAGE>

continue to provide consulting and other product related services to third
parties which do not employ the use of the Licensed Work, and University further
acknowledges that such revenues are expressly not a part of Service Fees as
defined herein.

         "Sublicense Fees" means gross consideration actually received by
Licensee (i) as a fee for sublicensing the Licensed Work in object code form to
any third party or (ii) as royalties under the terms of any such sublicense
agreement.

                                   ARTICLE II
                                GRANT OF LICENSE

         2.1      GRANT OF LICENSE. Subject to the terms and conditions
contained in this Agreement, the University hereby grants to Licensee for the
term of this Agreement a roya4-bearing, worldwide, exclusive license, with a
right to sublicense to:

                  (a) make copies of, to make derivative works of, and to use
the Licensed Work,

                  (b) distribute the Licensed work;

                  (c) sublicense the Licensed Work to customers of Licensee who
have first executed an End User Agreement. Licensee shall use best efforts to
include all of the provisions found in the End User Agreement which forms
Exhibit B hereto in all sublicense agreements, where such efforts must result in
an agreement that is at least substantially similar to the End User Agreement
identified in Exhibit B.

         2.2      RESERVATION OF RIGHTS. The University reserves the right to
make copies of, to make derivative works of and to use the Licensed Work solely
for non-commercial research and educational purposes. The University also
reserves the right to grant the same restricted rights to other non-profit
educational or research institutions which expressly agree in writing not to
utilize the Licensed Work in any commercial application, whether for itself or
another party.

         2.3      NO RIGHTS BY IMPLICATION. No rights or licenses with respect
to the Licensee Work are granted or deemed granted hereunder or in connection
herewith, other than those rights or licenses expressly granted in this
Agreement.

         2.4      FEDERAL GOVERNMENT INTEREST. Licensee acknowledges that the
United States Government may retain certain rights in inventions funded in whole
or in part under any contract, grant or similar agreement with a Federal agency
under Public Laws 96-517, 97-256 and 98-620, codified at 35 U.S.C. P. 200-212,
and any regulation issued thereunder, as such statute or regulations may be
amended from time to time hereafter. The license to the Licensed Work granted
under this Article II is expressly subject to all such rights.

<PAGE>

                                   ARTICLE III
                                  COMPENSATION

         3.1      ROYALTIES.

                  (a) In consideration for the license granted by this
Agreement, Licensee shall pay University royalties as follows on all Sales of
the Licensed Work.

                       (i)      [*];

                       (ii)     [*];

                  (b) In the event the University releases a Modification to the
Licensed program developed exclusively by the University, the University shall
be entitled to a royalty of [*] of the Sublicense Fee paid by existing Customers
for such modification. In the event that such a Modification is jointly
developed by the University and Licensee, Licensee shall pay a royalty to the
University equal to a prorated percentage of [*] based upon the relative
contributions of the two parties, such contributions to be mutually agreed upon.

                  (c) The University waives the right to receive these royalties
through June 30, 1996 (the "Transition Period") if Fees received by Licensee in
any such year, during the Transition Period are less than [*].

         3.2      MINIMUM ADVANCE ROYALTIES. Licensee shall Pay to Licensor, as
a non-refundable advance against royalties during the ensuing year, minimum
annual royalties ("Minimum Advance Royalties") for the following periods in the
corresponding amounts:

                                                CALENDAR YEAR BEGINNING
         TRANSITION PERIOD                      January 1, 1995
         [*]                                    January 1, 1996
         [*]                                    January 1, 1997
         [*]                                    January 1, 1998
         [*]                                    January 1, 1999
         [*]                                    January 1, 2000 and for each
                                                calendar year thereafter

Licensee shall pay these Minimum Advance Royalties in four (4) evenly
distributed installments

[*] WE ARE SEEKING CONFIDENTIAL TREATMENT OF THESE TERMS, WHICH HAVE BEEN
OMITTED. THE CONFIDENTIAL PORTIONS HAVE BEEN FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION.

<PAGE>

on the first day of each calendar quarter (January 1, April 1, July 1 and
October 1) of each year.

         3.3      MINIMUM EARNED FEES. To retain the exclusivity of the license
granted hereunder, Licensee must earn Fees in the following amounts during each
calendar year listed below:

                                                CALENDAR YEAR BEGINNING

         [*]                                    January 1, 1995
         [*]                                    January 1, 1996
         [*]                                    Each calendar year thereafter

         3.4      Exclusive; Non-Exclusive License. If Licensee fails to pay the
Minimum Advance Royalties as set forth in Section 3.2 above for any calendar
year, the University will have the right in its sole discretion, to convert the
license granted hereunder from an exclusive to a non-exclusive license. Should
the University convert the license to a non-exclusive license, Licensee shall be
required to pay a Minimum Advance Royalty of [*] to be paid in the same four (4)
installments as for an exclusive license, for each calendar year thereafter to
maintain the non-exclusive license. If Licensee fails to pay the Minimum Advance
Royalty of [*] for a non-exclusive license, the University will have the right
in its sole discretion, to terminate the non-exclusive license. In the event
that the University grants any third party a nonexclusive license to the
Licensed Work with Minimum Advance Royalties or equivalent royalties of less
than [*] per calendar year, Licensee's yearly fee shall be reduced to the lower
rate.

         3.5      SALES TO FEDERAL GOVERNMENT. To the extent required by any
existing Federal Government Interest, a sublicense to the United States
Government shall not be subject to any Royalty.

         3.6      PAYMENTS. Royalties payable under Section 3.1 hereof shall be
paid within forty five (45) days following the last day of the Calendar quarter
in which the royalties accrue. The final payment shall be made within thirty
(30) days after termination of this Agreement. Royalties shall be deemed paid as
of the day on which they are received at the account designated pursuant to
Section 3.8. Royalties that are not paid when due shall be subject to interest
in accordance with Section 3.8 hereof.

[*] WE ARE SEEKING CONFIDENTIAL TREATMENT OF THESE TERMS, WHICH HAVE BEEN
OMITTED. THE CONFIDENTIAL PORTIONS HAVE BEEN FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION.

<PAGE>

         3.7      REPORTS. Licensee shall deliver to the University within
forty-five (45) days after the end of each Calendar Quarter a report, certified
by the chief financial officer of Licensee, setting forth in reasonable detail
the calculation of the earned royalties and Minimum Advance Royalties available
for credit payable to the University for such Calendar Quarter.

         3.8      CURRENCY, PLACE OF PAYMENT, INTEREST.

                  (a) CURRENCY; PLACE OF PAYMENT. All dollar amounts referred to
         in this Agreement are expressed in United States dollars. All payments
         of Royalties and other amounts to the University under this Agreement
         shall be made in United States dollars (or other legal currency of the
         United States) by check payable to "The Trustees of the University of
         Pennsylvania".

                  (b) INTEREST. Amounts that are not paid when due shall accrue
         interest from the due date until paid, at a rate equal to the prime
         rate plus two percent (2%) with a maximum cap of eighteen percent
         (18%). The University may treat unpaid payments as a breach of this
         Agreement notwithstanding the payment of interest.

         3.9      RECORDS. Licensee will maintain complete and accurate books
and records which enable the royalties payable hereunder to be verified. The
records for each calendar quarter shall be maintained for five years after the
submission of each report under Section 3.7 hereof. Upon reasonable prior notice
to Licensee, the University and its accountant shall have access to the relevant
books and records of Licensee necessary to conduct a review or audit thereof.
Such limited access shall be available not more than twice each calendar year,
during normal business hours, and for three years after the expiration or
termination of this Agreement. If the University determines that Licensee has
underpaid royalties by ten percent (10%) or more, Licensee will immediately pay
to the University such amount plus interest as set forth in Section 3.8 above in
addition to the documented costs and expenses of the university's accountant in
connection with its review or audit. If an overpayment is determined to exist,
the University shall refund any monies overpaid by Licensee back to Licensee.

                                   ARTICLE IV
                             USE OF LICENSED PROGRAM

         4.1      MAINTENANCE. Licensee acknowledges and agrees that the
University shall be under no obligation to Licensee to install, maintain,
support, modify or enhance the Licensed Program, all such obligations being the
responsibility of Licensee.

         4.2      Copy Limitations. Licensee shall be entitled to receive from
the University one copy of the Licensed Program and related Documentation, and
the Licensed Technical information. Licensee shall keep a record of the location
of each and every copy of the licensed Program that it makes and shall maintain
such copies in locations consistent with Licensee's confidentiality obligations
as set forth in Article V hereof. Licensee shall reproduce without

<PAGE>

alteration any disclaimers, legends and proprietary rights notices on all copies
of the Licensed Program and related Documentation and the Licensed Technical
Information.

         4.3      MODIFICATION OF LICENSED WORK.

                  (a) Licensee shall have the right to make Modifications of the
         Licensed Work, including derivatives as contemplated by the copyright
         laws, provided that such Modifications, and all copyrights and
         trademarks relating thereto, shall remain the property of the
         University from the moment of their creation, subject to the
         1-icensee's license rights hereunder. Licensee shall provide one copy
         of any Modification of the Licensed Work to the University promptly
         upon request. License shall obtain from each and every individual or
         entity who makes a Modification of the licensed Work an assignment of
         all rights to the University, including but not limited to copyright,
         whether or not such contribution may be a "work made for hire." Prior
         to the commencement of work by such individuals or entities, licensee
         shall have each individual or entity sign a document in reasonable form
         acknowledging that all rights in their respective contributions will be
         assigned to the University whether or not such contributions are works
         made for hire.

                  (b) The University may from time to time release Modifications
         developed by the University, subject to the Licensee's license rights
         hereunder. The University will provide one copy of such Modifications
         to Licensee . The incorporation into the Licensed Work of any
         Modification developed by the University shall be reflected in the
         royalty schedule for the Licensed Work after good faith negotiations by
         the parties. Notwithstanding, Licensee acknowledges and agrees that the
         University shall have no obligation to make Modifications of the
         Licensed Work.

                                    ARTICLE V
                                 CONFIDENTIALITY

         5.1      CONFIDENTIALITY.

                  (a)  NONDISCLOSURE. Licensee shall maintain in confidence and
         shall not disclose to any third Party (except an authorized
         sublicensee) the Confidential Information received pursuant to this,
         without the prior written consent of the University. The foregoing
         obligation shall not apply to:

                       (i) information that is known to Licensee or
                  independently developed by Licensee prior to the time of
                  disclosure, in each mw, to the extent evidenced by written
                  records promptly disclosed to the University upon receipt of
                  the Confidential Information. This exception shall not apply
                  to information learned by Licensee from any employee who was
                  previously engaged by, or a student of, the University, with
                  responsibility for the development or use of the Licensed
                  Work;

                       (ii) information disclosed to Licensee by a third party
                  that has a right to make such disclosure;

<PAGE>

                       (iii) information that becomes patented, published or
                  otherwise part of the public domain as a result of acts by the
                  University or by a third person who has the right to make such
                  disclosure; or

                       (iv) information that is required to be disclosed by
                  order of any governmental authority or a court of competent
                  jurisdiction; provided that Licensee shall notify the
                  University if it believes such disclosure is required and
                  shall use its best efforts to obtain confidential treatment of
                  such information by the agency or court.

                  (b)  USE OF CONFIDENTIAL INFORMATION. Licensee shall ensure
         that all of its employees having access to the Confidential Information
         of the University are obligated in writing to abide by Licensee's
         obligations hereunder. Licensee shall use the Confidential Information
         only for the purposes contemplated under this Agreement.

                  (c) NO OBLIGATION BY UNIVERSITY. The University shall not be
         obligated to accept any Confidential Information of the Licensee. If
         licensee desires to furnish any of Licensee's Confidential Information
         to any University personnel, Licensee may request such individual to
         sign a confidentiality agreement with Licensee in form and substance
         satisfactory to the University, as attached hereto in Exhibit C. The
         University bears no institutional responsibility for maintaining the
         confidentiality of any Confidential Information of Licensee.

                  (d) COPYRIGHT NOTICE. The placement of a copyright notice by
         the University on the Licensed Work, or any portion thereof, shall not
         be construed to mean that the program or information has been
         published. Such placement will not release licensee from its
         obligations of confidentiality hereunder.

         5.2      PUBLICATION.

                  (a) UNIVERSITY RIGHT TO PUBLISH. Licensee acknowledges that
         the basic objective of the research and development activities of the
         University is the generation of new knowledge and its expeditious
         dissemination. To further that objective, the University retains the
         right, at its discretion, to demonstrate, publish or publicize the
         Licensed Technical Information and a description of the Licensed
         Program and any results of research conducted by the University with
         the Licensed Work subject to the provisions of clauses (b) and (c)
         below.

                  (b) NOTIFICATION. Should the University desire to disclose
         publicly, in writing or by oral presentation, Confidential Information
         related to the Licensed Work for which an appropriate form of
         intellectual property protection has not been filed, the University
         shall notify Licensee in writing of its intention at least thirty (30)
         days before such disclosure. The University shall include with such
         notice a description of the oral presentation or, in the case of a
         manuscript or other proposed written disclosure, a current draft of
         such written disclosure. Licensee may request the University, no later
         than 30 (30) days following the receipt of the University's notice, to
         file an appropriate form of intellectual property protection related to
         the information to be disclosed. All such filings

<PAGE>

         shall be subject to the provisions of Section 8.1 Of this Agreement.
         Upon receipt of such request, the University shall arrange for a short
         delay in publication, not to exceed sixty (60) days, to permit filing
         of an appropriate form of intellectual protection by the University,
         or if the University declines to file such application, to permit
         licensee to make such a filing.

                  (c) MODIFICATION. If the University desires to demonstrate,
         publish or publicize Confidential Information related to the Licensed
         Work that is not protectable under intellectual property law in the
         United States, and Licensee objects to such proposed disclosure within
         the time period specified in clause (b) above, the parties will
         negotiate in good faith toe whether the proposed disclosure can be
         modified or withheld, consistent with the objectives of each party. In
         no event shall the University be prohibited from proceeding with any
         such publication.

         5.3      USE OF NAME.

                  (a) Licensee shall not directly or indirectly use the
         University's name, or the name of any trustee, officer or employee
         thereof, without the University's written consent. University hereby
         approves the use of the following wording as applied to the
         University, its related Wharton School, its School of Medicine, or the
         John A. Hartford Foundation, as appropriate:

                       (i) [based on work or research performed at or by]

                       (ii) [derived from work or research performed at or by]

                       (iii) [faculty members of]

                       (iv) [funded by]

                       (v) [licensed from]

                       (vi) [developed at]

                  (b) The University and LICENSEE are independent entities and
         contractors and neither is an agent of the other. Neither LICENSEE nor
         the University shall take any action which would suggest to a
         reasonable person that an agency relationship exists between them.

         5.4      INJUNCTIVE RELIEF. Because damages at law will be an
inadequate remedy for breach of any of the covenants, promises and agreements
contained in this Article V hereof, the University shall be entitled to
injunctive relief in any state or federal court located within the City of
Philadelphia, Pennsylvania, including specific performance or an order enjoining
the breaching party from any threatened or actual breach of such covenants,
promises or agreements. Licensee hereby waives any objection it may have to the
personal jurisdiction or venue of any such court with respect to any such
action. The rights set forth in this Section 5.4 shall be in addition to any
other rights which the University may have at law or in equity.

<PAGE>

                                   ARTICLE VI
                         WARRANTIES AND REPRESENTATIONS

         6.1      REPRESENTATIONS AND WARRANTIES OF THE UNIVERSITY. The
University represents and warrants to Licensee that this Agreement, when
executed and delivered by the University, will be the legal, valid and binding
obligation of the University, enforceable against the University in accordance
with its terms. The University also represents to Licensee that the University
has not received any written notice that the Licensed Work infringes the
proprietary rights of any third party. These representations are to the
knowledge of the University, based upon conversations with certain University
officials. The University has made no independent investigation of the matters
which are subject to these representations.

         6.2      REPRESENTATION AND WARRANTIES OF LICENSEE. Licensee represents
and warrants to the University as follows:

                  (a) is a good corporation duly organized, validly existing and
         in good standing under the laws of Pennsylvania, and has all requisite
         corporate power and authority to execute, deliver and perform this
         Agreement;

                  (b) This Agreement, when executed and delivered by Licensee,
         will be the legal, valid and binding obligation of Licensee,
         enforceable against Licensee in accordance with its terms; and

                  (c) The execution, delivery and performance of this Agreement
         by licensee does not conflict with, or constitute a breach or default
         under, (i) the charter documents of Licensee, (ii) any law, order,
         judgment or governmental rule or regulation applicable to Licensee, or
         (iii) any provision of any agreement, contract, commitment or
         instrument to which Licensee is a party; and the execution, delivery
         and performance of this Agreement by Licensee does not require the
         consent, approval or authorization of, or notice or declaration to or
         filing or registration with, any governmental or regulatory authority.

                                   ARTICLE VII
                   LIMITATION ON LIABILITY AND INDEMNIFICATION

7.1 NO WARRANTIES; LIMITATION ON LIABILITY. EXCEPR AS EXPLICITLY SET FORTH IN
SECTION 6.1 HEREOF, THE LICENSED PROGRAM AND LICENSED TECHNICAL INFORMATION IS
PROVIDED ON AN "AS IS" BASIS AND THE UNIVERSITY MAKES NO REPRESENTATIONS OR
WARRANTEES, EXPRESS OR IMPLIED, WITH RESPECT TO THE LICENSED PROGRAM AND
LICENSED TECHNICAL INFORMANON. BY WAY OF EXAMPLE BUT NOT OF LIMITATION, THE
UNIVERSITY MAKES NO REPRESENTATIONS OR WARRANTEES (i) OF COMMERCIAL UTILITY,
(ii) OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR (iii) THAT THE
USE OF THE LICENSED PROGRAM AND LICENSED TECHNICAL INFORMATION WILL NOT INFRINGE
ANY PATENT, COPYRIGHT OR TRADEMARK OR OTHER PROPRIETARY OR PROPERTY RIGHTS OF
OTHERS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, THE UNIVERSITY

<PAGE>

DISCLAIMS ANY WARRANTY THAT THE LICENSED PROGRAM AND LICENSED TECHNICAL
INFORMATION IS FREE FROM THE RIGHTFUL CLAIMS OF ANY THIRD PARTY. THE UNIVERSITY
SHALL NOT BE LIABLE TO LICENSEE, LICENSEE"S SUCCESSORS OR ASSIGNS, OR ANY OTHER
THIRD PARTY WITH RESPECT TO ANY CLAIM ON ACCOUNT OF, OR ARISING FROM THE USE OF
INFORMANON IN CONNECTION WITH THE LICENSED PROGRAM AND LICENSED TECHNICAL
INFORMATION SUPPLIED HEREUNDER OR THE USE OR LICENSE OF THE LICENSED PROGRAM AND
LICENSED TECHNICAL INFORMATION OR ANY OTHER MATERIAL OR ITEM DERIVED THEREFROM.
THE UNIVERSITY SHALL NOT BE LIABLE TO LICENSEE, OR ANY OTHER PERSON FOR ANY LOSS
OF PROFITS, LOSS OF BUSINESS OR INTERRUPTION OF BUSINESS, OR FOR ANY INDIRECT,
SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND INCURRED BY LICENSEE OR ANY OTHER
PERSON WHETHER UNDER THIS AGREEM:ENT OR OTHERWISE, EVEN IF THE UNIVERSITY HAS
BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS.

         7.2      LICENSEE INDEMNIFICATION. Licensee will indemnify and hold
harmless the University, its, officers, agents and employees (collectively, the
"Indemnified Parties"), from and against any and all liability, loss, damage,
action, claim or expense suffered or incurred by the Indemnified Parties
(including reasonable attorney's fees) (individually, a "Liability" and
collectively, the "Liabilities") which results from or arises out of (a) the use
of the Licensed Work by Licensee, its Affiliates, assignees, vendors or other
third parties; (b) breach by Licensee of any covenant or agreement contained in
this Agreement; and (c) the successful enforcement by an indemnified Party of
its right under this Section 7.2. The indemnification obligation under clause
(a) shall be mitigated by the sole negligence of the Indemnified Party. Without
limiting the foregoing, Licensee will indemnify and hold harmless the
Indemnified Parties from and against any Liabilities resulting from:

                  (a) Any claim of any kind related to the use by a third party
         of the Licensed Work by Licensee, its Affiliates, assignees, or other
         third parties; and

                  (b) claim by a third party that the Licensed work infringes or
         violates any patent, copyright, trademark or other intellectual
         property rights of such third party.

         7.3      PROCEDURES. The Indemnified Party shall promptly notify
Licensee of any claim or action giving rise to a Liability that is subject to
the provisions of Section 7.2. Licensee shall have the right to defend any such
claim or action, at its cost and expense. Licensee shall not settle or
compromise any such claim or action in a manner that imposes any restrictions or
obligations on the University or grants any rights to the licensed Work, without
the University's written consent, which consent shall not be unreasonably
withheld. If Licensee fails or declines to assume the defense of any such claim
or action within thirty (30) days after notice thereof, the University may
assume the defense of such claim or action for the account and at the risk of
Licensee, and any Liability related thereto shall be conclusively deemed a
liability of Licensee. Licensee shall pay promptly to the Indemnified Party any
Liabilities to which the foregoing indemnify relates, as incurred. The
indemnification rights of the University or other indemnified Party contained
herein are in addition to all other rights which such indemnified Party may have
at law or in equity or otherwise.

<PAGE>

         7.4      LIABILITY INSURANCE. During the Term of this Agreement,
Licensee shall maintain general liability and product liability, insurance in
amounts not less than $1,000,000 per incident and $1,000,000 in the aggregate,
issued by an insurance company rated AA or better and naming the University as
an additional insured. The minimum insurance amounts specified herein shall not
be deemed a limitation on Licensee's indemnification liability under this
Agreement. Licensee shall provide the University with copies of the endorsements
to such policies, upon request of the University. Licensee shall notify the
University at least thirty (30) days prior to cancellation of any such coverage.

                                  ARTICLE VIII
                       PROPRIERARY RIGHTS AND INFRINGEMENT

         8.1      PROPRIETARY RIGHTS PROTECTION.

                  (a) UNIVERSITY CONTROL. The University shall be responsible
         for and shall control the preparation, prosecution and maintenance of
         all copyrights and patent rights pertaining to the Licensed Work.
         Licensee shall reimburse the University for all documented expenses
         (including legal fees, filing and maintenance fees or other
         governmental charges) incurred in connection with the filing,
         prosecution and maintenance of any such rights. Such reimbursement
         shall be due at the same date as advance Minimum Royalties are due, as
         set forth in Section 3.2.

                  (b) LICENSEE OBLIGATIONS. Licensee and the University shall
         mutually determine the countries where copyrights and patents
         pertaining to the Licensed Work will be prosecuted and maintained. If
         Licensee declines to pay for such prosecution and maintenance costs in
         any jurisdiction, the University may do so at its cost and expense but
         such rights shall be excluded from the definition of Licensed Work.

                  (c) LICENSEE PROSECUTION. If the University elects not file,
         prosecute or maintain any copyright g to the Licensed Work, it shall
         notify Licensee at least sixty (60) days prior to taking, or not
         taking, any action which would result in abandonment, withdrawal, or
         lapse of such right. Licensee shall then have the right to file,
         prosecute or maintain the right at its own expense.

                  (d) COOPERATION. Each party shall cooperate with the other
         party to execute all lawful papers and instruments and to make all
         rightful oaths and declarations as may be necessary in the preparation
         and prosecution of all rights referred to in this Section 8. 1.

         8.2      OWNERSHIP. Licensee acknowledges that all right, title and
interest in and to the Licensed Work and any copyrights, patents, trademarks and
other protection related thereto is and shall remain in the University,
regardless of which party prepares prosecutes or maintains the foregoing,
subject to the express license granted to Licensee under Article II hereof.

         8.3      INFRINGEMENT BY THIRD PARTY.

                  (a) LICENSEE'S OBLIGATIONS. Each party will promptly notify
         the other party of any infringement or possible infringement of rights
         relating to the Licensed Work. Licensee shall have the right, but not
         the obligation, to prosecute such infringement at its

<PAGE>

         own expense. In such event, the University shall cooperate with
         Licensee, at Licensee's expense. Licensee shall not settle or
         compromise any such suit in a manner that imposes any obligations or
         restrictions on the University or grants any rights to the Licensed
         Work, without the University's written consent.

                  (b) UNIVERSITY'S RIGHTS. If Licensee fails to prosecute such
         infringement within ninety (90) days after receiving notice thereof,
         the University shall have the right, but not the obligation, to
         prosecute such infringement at its own expense. In such event, Licensee
         shall cooperate with the University, at the University's expense.

                  (c) RECOVERY DISTRIBUTION. Any recovery obtained by the
         prosecuting party as a result of such proceeding, by settlement or
         otherwise, shall be applied first to the prosecuting party, in an
         amount equal to its costs and expenses of the litigation, with the
         remainder to be paid to the Licensee, subject to the earned royalties
         due to the University under Article 3 hereof.

                                   ARTICLE IX
                              TERM AND TERMIANTION

         9.1      TERM. This Agreement and the licenses granted herein shall
commence on the Effective Date and shall continue, subject to earlier
termination under Sections 9.2 or 9.3 hereof, for a period of thirty (30) years
thereafter.

         9.2      TERMINATION BY THE UNIVERSITY.

                  (a) EVENTS OF DEFAULT. Upon the occurrence of any of the
         events set forth below ("Events of Default"), the University shall have
         the right to terminate this Agreement by giving written notice of
         termination, such termination being effective with the giving of such
         notice:

                       (i) Nonpayment of any amount payable to the University
                  that is continuing then (10) calendar days after the
                  University gives Licensee written notice of such nonpayment;

                       (ii) breach by Licensee of any covenant (other than a
                  payment breach referred to in clause (i) above) or any
                  representation or warranty contained in this Agreement that is
                  continuing sixty (60) calendar days after the University gives
                  licensee written notice of such breach; provided that if
                  Licensee, using its best efforts, cannot cure such breach
                  within the flat sixty (60) days, the cure period shall be
                  extended by an additional sixty (60) calendar days, the total
                  cure period not to exceed one hundred twenty (120) days.

                       (iii) Licensee fails to comply with the terms of the
                  license granted under Article II hereof and such noncompliance
                  is continuing thirty (30) calendar days after the University
                  gives Licensee notice of such noncompliance;

                       (iv) Licensee becomes subject to a Bankruptcy Event;

<PAGE>

                       (v) the dissolution or cessation of operations by
                  Licensee;

                       (vi) Licensee has failed to receive any fees for use or
                  sublicensing of the Licensed Program by June 30, 1995.

                  (b) NO WAIVER. No exercise by the University of any right of
         termination shall constitute a waiver of any right of the University
         for recovery of any monies then due to it hereunder or any other right
         or remedy the University may have at law or under this Agreement.

                  (c) Sublicenses. Any sublicense(s) in effect at the time of
         such termination by University will be assigned to the University and
         will remain in fun force and effect so long as (1) CMS is in full
         compliance with the term and conditions of any such sublicense(s), and
         (2) such sublicense(s) are consistent with the terms of this AGREEMENT,
         and (3) the University has no obligation to provide any support,
         maintenance or other service to sublicensee. The assignment will occur
         automatically upon the request of Licensee, notwithstanding the
         provision of 9.5 "Sublicenses".

         9.3      TERMINATION BY LICENSEE. Licensee shall have the right
                  terminate this Agreement, at any time and with or without
                  cause, upon (90) days written notice to the University.

         9.4      RIGHTS AND DUTIES UPON TERMINATION. Within thirty (30) days
after termination of this Agreement, each party shall return to the other party
any Confidential Information of the other Party. Licensee also shall return all
copies of the Licensed Program in its possession that are embodied in physical
form to the University promptly upon the termination of this Agreement.

         9.5      SUBLICENSES. Any sublicenses granted by Licensee under this
Agreement may survive termination of this Agreement in accordance with the terms
of such sublicense if so requested by the University, in which event the
sublicense shall be assigned to the University.

         9.6      PROVISIONS SURVIVING TERMINATION. Licensee's obligation to pay
Royalties accrued but unpaid prior to termination of this Agreement shall
survive such termination. In addition, Sections 3.8, 3.9, 4.1, 8.2 and this 9.6
and Articles V, VI and VII and any other provisions required to interpret the
rights and obligations of the parties arising prior to the termination date
shall survive expiration or termination of this Agreement.

                                    ARTICLE X
                              ADDITIONAL PROVISIONS

         10.1     ASSIGNMENT. This Agreement and the rights and duties
appertaining thereto may not be assigned by the Licensee, directly or indirectly
except to an Affiliate of Licensee wherein Licensee guarantees performance of
assignee or in the case of merger, acquisition or operation of law, without
first obtaining the written consent of the University. Any such purported
assignment, without the written consent of the University, shall be null and of
no effect. No assignment shall relieve Licensee of responsibility for the
performance of any obligations which have accrued prior to such assignment.

<PAGE>

         10.2     NO WAIVER. A waiver by either party of a breach or violation
of any provision of this Agreement must be in writing in order to be effective.
No waiver will constitute or be construed as a waiver of any subsequent breach
or violation of that provision or as a waiver of any breach or violation of any
other provision of this Agreement.

         10.3     INDEPENDENT CONTRACTOR. Nothing herein shall be deemed to
establish a relationship of principal and agent between the University and
Licensee, nor any of their agents or employees for any purpose whatsoever. This
Agreement shall not be construed as constituting the University and Licensee as
partners, or as creating any other form of legal association or arrangement
which could impose liability upon one party for the act or failure to act of the
other party.

         10.4     NOTICES. Any notice under this Agreement shall be sufficiently
given if sent in writing by prepaid, first class, certified or registered mail,
return receipt requested, addressed as follows:

                  (a) if to the University, to:

                                Center for Technology Transfer
                                University of Pennsylvania

                                Suite 300
                                3700 Market Street
                                Philadelphia, PA 19104
                                Attn:  Director

                                cc: office of the General Counsel

                                University of Pennsylvania
                                College Hall, Suite 210
                                Philadelphia, PA 19104

                  (b) if to Licensee, to:

                                Care Management Science Corp.
                                3600 Market St., 6th Floor
                                Philadelphia, PA 19104

                                cc:  David J. Brailer, M.D., Ph.D.
                                2323 Naudain Street
                                Philadelphia, PA 19146

or to such other addresses as may be designated from time to time by notice
given in accordance with the terms of this Section.

         10.5     ENTIRE AGREEMENT. This Agreement embodies the entire
understanding between the parties relating to the subject matter hereof and
supersedes all prior understandings and agreements, whether written or oral.
This Agreement may not be varied except by a written document signed by duly
authorized representatives of both parties.

<PAGE>

         10.6     SEVERABILITY. Any of the provisions of this Agreement which
are determined to be invalid or unenforceable in any jurisdiction shall be
ineffective to the extent of such invalidity or unenforceability in such
jurisdiction, without rendering invalid or unenforceable the remaining
provisions hereof or affecting the validity or unenforceability of any of the
terms of this Agreement in any other jurisdiction.

         10.7     HEADINGS. Any headings and captions used in this Agreement are
for convenience of reference only and shall not affect its construction or
interpretation.

         10.8     NO THIRD PARTY BENEFITS. Nothing in this Agreement, express or
implied, is intended to confer on any person other than the parties hereto or
their permitted assigns, any benefits, rights or remedies.

         10.9     GOVERNING LAW. This Agreement shall be construed, governed,
interpreted and applied in accordance with the laws of the Commonwealth of
Pennsylvania, without giving effect to conflict of law provisions.

         10.10    COUNTERPARTS. This Agreement shall become binding when any one
or more counterparts hereof, individually or taken together, shall bear the
signatures of each of the parties hereto. This Agreement may be executed in any
number of counterparts, each of which shall be deemed an original as against the
party whose signature appears thereon, but all of which together shall
constitute but one and the same instrument

INTENDING TO BE BOUND, the parties hereto execute this Agreement through their
authorized representatives.

For THE TRUSTEES OF THE UNIVERSITY OF PENNSYLVANIA:

        4/30/97                                       /s/ Louis P. Berman
 ------------------                            --------------------------------
         Date                                      Authorized Representative

For Care Management Science Corporation:

APRIL 28, 1997                                        /s/ David Brailer
--------------                                 --------------------------------
                                                 Dr. David Brailer, President

<PAGE>

                                    EXHIBIT A

COPYRIGHTS

United States Copyright Registration Number TXU 530 576

Applications for copyright registration filed February 21, 1995 entitled:

1        Congestion in General Hospitals

2.       Focused Operations

3.       Clinical Pathway

4.       Ambulatory Outcomes

<PAGE>

                                    EXHIBIT B
                               END USER AGREEMENT

<PAGE>

CENTER FOR HEALTH CHOICE SOFTWARE LICENSE

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE USING HEALTH CHOICE. THIS IS A
LEGAL AGREEMENT BETWEEN SUB-LICENSEE ("YOU"), THE END USER, AND THE CENTER
FOR HEALTH CHOICE ("CHC").

1.     GRANT OF LICENSE. The application, demonstration and system software
("HEALTH CHOICE") and related documentation are licensed to you by CHC. You
own the tape on which HEALTH CHOICE is recorded but The Trustees of the
University of Pennsylvania ("PENN") retains title to HEALTH CHOICE. This
License allows you to use HEALTH CHOICE on a single computer and to make one
copy of HEALTH CHOICE in a machine-readable form for backup purposes only.
You must reproduce on such copy the Penn copyright notice and any other
proprietary legends that were on the original copy of HEALTH CHOICE. This
License is not transferable. The terms of this License extends to the backup
copy.

2.     COPYRIGHT AND TRADEMARK. The software is owned by Penn, and is
protected by United States copyright laws and international treaty
provisions. Therefore, you must treat HEALTH CHOICE like any other
copyrighted material (such as a book or musical recording) except that you
may either: (a) make one copy of HEALTH CHOICE solely for backup or archival
purposes, or (b) transfer the software to a single hard disk, provided that
you keep the original solely for backup or archival purposes. You may not
copy the written material accompanying HEALTH CHOICE. You acknowledge the
existence of a valid copyright in HEALTH CHOICE and that both HEALTH CHOICE
and copyright are the sole and exclusive property of Penn. By accepting this
license, you do not become the owner of either HEALTH CHOICE or the copyright.

3.     OTHER RESTRICTIONS. You may not transfer, sell, rent or lease either
HEALTH CHOICE, the backup copy of HEALTH CHOICE or the related documentation
to another party. You may not reverse engineer, decompile, or disassemble
HEALTH CHOICE. You may not in any manner re-create or assist another in
re-creating the source code for HEALTH CHOICE. You may not make any revisions
to or enhancements of HEALTH CHOICE. "Revisions" as made in this license
includes all corrections or modifications that add no substantial feature or
function to HEALTH CHOICE. "Enhancements" includes all upgrades or
improvements that add a feature or function to HEALTH CHOICE.

4.     EXPORT LAW ASSURANCES. HEALTH CHOICE and documentation are provided
with restricted rights. Use, duplication, or disclosure by the Government is
subject to restrictions as set forth in subparagraph (c)(1)(ii) of The Rights
in Technical Data and Computer Software clause at DFARS 252.227-7013, or
subparagraphs (c)(1) and (2) of the Commercial Computer Software-Restricted
Rights at 48 CFR 52.227-19, as applicable. Contractor/manufacturer is The
Center for Health Choices; 3508 Market Street, Suite 253, Philadelphia, PA
19104.

5.     TERMINATION. This license is effective until terminated. You may
terminate this License at any time by destroying HEALTH CHOICE and all copies
thereof. This License will terminate immediately without notice from CHC or
Penn if you fail to comply with any provision of this License. Upon
termination, you must destroy HEALTH CHOICE and all copies thereof.

6.     LIMITED WARRANTY ON MEDIA. CHC warrants the tape on which Health
Choice is recorded to be free from defects in materials and workmanship under
normal use for a period of ninety (90) days from the date of purchase as
evidenced by a copy of the receipt. CHC's entire liability and your exclusive
remedy will be replacement of the disk not meeting CHC's limited warranty, if
returned to CHC or an CHC authorized representative with a copy of the
receipt. CHC will have no responsibility to replace a tape damaged by
accident, abuse or misapplication. ANY IMPLIED WARRANTIES ON THE TAPE,
INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE, ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE
OF DELIVERY.

7.     DISCLAIMER OF WARRANTY ON SOFTWARE. You expressly acknowledge and
agree that use of HEALTH CHOICE is at your sole risk. HEALTH CHOICE and
related documentation are provided "AS IS" and without warranty of any kind
and CHC EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING,
BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR
A PARTICULAR PURPOSE. CHC DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN
HEALTH CHOICE WILL MEET YOUR REQUIREMENTS, OR THAT THE OPERATION OF HEALTH
CHOICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN HEALTH CHOICE
WILL BE CORRECTED. FURTHERMORE, CHC DOES NOT

<PAGE>

WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE
USE OF HEALTH CHOICE OR RELATED DOCUMENTATION [OR THAT HEALTH CHOICE WILL
NOT INFRINGE ANY PATENT, COPYRIGHT OR TRADEMARK OR OTHER PROPRIETARY RIGHTS
OF OTHERS]. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY CHC OR A CHC
AUTHORIZED REPRESENTATIVE SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE
SCOPE OF THIS WARRANTY; SHOULD HEALTH CHOICE PROVE DEFECTIVE, YOU (AND NOT
CHC OR A CHC AUTHORIZED REPRESENTATIVE) ASSUME THE ENTIRE COST OF ALL
NECESSARY SERVICING, REPAIR OR CORRECTION.

8.  LIMITATION OF LIABILITY. UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE,
SHALL CHC BE LIABLE FOR ANY INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT
RESULT FROM THE USE OR INABILITY TO USE HEALTH CHOICE OR RELATED
DOCUMENTATION, EVEN IF CHC OR A CHC AUTHORIZED REPRESENTATIVE HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. In no event shall CHC's total
liability to you for all damages, losses, and causes of action (whether in
contract, tort including negligence or otherwise) exceed the amount paid by
you for HEALTH CHOICE.

9.  [IDEMNIFICATION. You agree to indemnify and hold harmless CHC, PENN, their
respective trustees, directors, officers, employees and agents (collectively
"Indemnified Parties") from and again any  and all liability, loss, damage,
action, claim or expense suffered or incurred by the Indemnified Parties,
including reasonable attorney's fees (individually a "Liability" and
collectively "Liabilities") which result from or arise out of any use of
HEALTH CHOICE by you, your officers, employees, agents or other third
parties, or your breach of any covenant contained in this agreement.]

10. CONTROLLING LAW AND SEVERABILITY. This License shall be governed by and
construed in accordance with the laws of the State of Pennsylvania. If for any
reason a court of competent jurisdiction finds any provision of this License,
or portion thereof, to be unenforceable, that provision of the License shall
be enforced to the maximum extent permissible so as to effect the intent of
the parties, and the remainder of this License shall continue in full force
and effect.

11. COMPLETE AGREEMENT. This License constitutes the entire agreement between
the parties with respect to the use of HEALTH CHOICE and related
documentation, and supersedes all prior or contemporaneous understandings or
agreements, written or oral, regarding such subject matter.

For Licensee:                                 For CHC:

____________________________                  _________________________________
NAME                                          NAME

____________________________                  _________________________________
TITLE                                         TITLE

____________________________                  _________________________________
DATE                                          DATE

____________________________                  _________________________________
COMPUTER PROCESSING UNIT                      TAPE SERIAL NUMBER
SERIAL NUMBER

Licensee shall use best efforts to include bracketed provisions in all
sublicense agreements.

Please note that HEALTH CHOICE is only a designated name of the software.

<PAGE>

                                    EXHIBIT C
                            CONFIDENTIALITY AGREEMENT

<PAGE>

                             EXHIBIT C
                     CONFIDENTIALITY AGREEMENT

     The Center for Health Choice ("CHC"), a Pennsylvania Corporation,
located at 3508 Market Street, Suite 253, Philadelphia, PA 19104

                                AND

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

     From time to time, before and after the date hereof, each party may, at
the other's request, disclose to the other certain of its proprietary and/or
confidential information including, but not limited to: company know-how,
techniques and methodology(ies), statistical information, sample reports,
software code and/or algorithms, or, among other things, notes, drawings,
etc. related to the other's business practices or relationship with The
University of Pennsylvania and its Schools or the parties work together.  In
addition, either party may make certain of its personnel, consultants,
affiliates and/or agents accessible to the other.  The above items and all
data related thereto are collectively referred to, for convenience, as the
"Information".

     All such Information when submitted by either party shall clearly
reflect that it is confidential and the other hereby acknowledges receipt of
same under those conditions.

     With respect to any and all the foregoing Information, at any time
provided by either party to the other, anything obtained therefrom, or from
any discussions between the parties or with any of their employees,
affiliates, consultants, representatives or agents, the undersigned and each
of their respective personnel, directors, attorneys and consultants
(collectively hereafter referred to for convenience as "Parties") agree as
follows:

     (1)  Parties will not disclose to anyone or any entity, at any time or
          under any circumstances and for any purpose whatsoever any of the
          Information.  Such Information will be used only for its internal
          purposes in connection with its relationship with the other.

     (2)  Parties will not copy (except for purely internal use as permitted
          hereby) or disseminate any of the Information and will destroy or
          return anything furnished by the other (including copies it has
          made) at the completion of its review and furnish the other with a
          certificate of compliance upon the other's request.

     (3)  Parties will make no use of any of the Information independently
          for its own purposes.

     (4)  Information supplied by the Parties hereunder shall be used solely
          for the purposes of the relationship between the Parties.

Notwithstanding the foregoing, the above shall not apply if, and only if, one
or more of the following are in effect:

<PAGE>

     (a)  the Information is clearly in the public domain at the time of
     disclosure;

     (b)  becomes generally available to the public other than as a result of
     a disclosure; or

     (c)  the Information is known to the other prior to its disclosure by
     the disclosing party.

To be free of the restrictions of this Agreement in either (a) or (b) above,
the receiving party must notify the disclosing party in writing as soon as
practicable after the receipt of same.  Parties further agree that at such
time as Parties are no longer making use of the Information or if the
relationship terminates, the Parties will cease to make any use of the
Information and will: 1) return the Information to whichever party provided
it, or 2) destroy the same and furnish to the providing party an affidavit
duly executed before a notary public by an authorized official, under oath,
certifying the destruction of the Information at the providing party's written
request.

NOTWITHSTANDING THE FOREGOING, THIS CONFIDENTIALITY AGREEMENT IN NO WAY
SUPERSEDES THE UNIVERSITY'S AND ITS EMPLOYEES' RIGHTS, INCLUDING BUT NOT
LIMITED TO ANY RIGHTS TO PUBLICATION, UNDER THE LICENSING AGREEMENT BETWEEN
THE UNIVERSITY OF PENNSYLVANIA AND THE CENTER FOR HEALTH CHOICE.

By my authorized signature below, I hereby agree to the above:

THE CENTER FOR HEALTH CHOICE

By:____________________________          ________________________
                                         Date
Its:___________________________
    Duly Authorized Officer

INDIVIDUAL XXX

By:____________________________          ________________________
                                         Date
Its:___________________________
    Duly Authorized Officer

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