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                                                            Customer No. 1369

                       MASTER LOAN AND SECURITY AGREEMENT


               THIS AGREEMENT dated as of January 28, 2000, is made by Corillian
Corporation (the "Borrower"), an Oregon corporation having its principal
place of business and chief executive office at 3601 SW Murray Boulevard, Suite
300, Beaverton, Oregon 97005, in favor of Transamerica Business Credit
Corporation, a Delaware corporation (the "Lender"), having its principal office
at Riverway II, West Office Tower, 9399 West Higgins Road, Rosemont, Illinois
60018.

          WHEREAS, the Borrower has requested that the Lender make Loans to it
from time to time; and

          WHEREAS, the Lender has agreed to make such Loans on the terms and
conditions of this Agreement.

          NOW, THEREFORE, in consideration of the premises and to induce the
Lender to extend credit, the Borrower hereby agrees with the Lender as follows:

          SECTION 1.     DEFINITIONS.

          As used herein, the following terms shall have the following meanings,
and shall be equally applicable to both the singular and plural forms of the
terms defined:

AGREEMENT shall mean this Master Loan and Security Agreement together with all
schedules and exhibits hereto, as amended, supplemented, or otherwise modified
from time to time.

APPLICABLE LAW shall mean the laws of the State of Illinois (or any other
jurisdiction whose laws are mandatorily applicable notwithstanding the parties'
choice of Illinois law) or the laws of the United States of America, whichever
laws allow the greater interest, as such laws now exist or may be changed or
amended or come into effect in the future.

BUSINESS DAY shall mean any day other than a Saturday, Sunday, or public holiday
or the equivalent for banks in New York City.

CODE shall have the meaning specified in Section 8(d).

COLLATERAL shall have the meaning specified in Section 2.

COLLATERAL ACCESS AGREEMENT shall mean any landlord waiver, mortgagee waiver,
bailee letter, or similar acknowledgement of any warehouseman or processor in
possession of any Equipment, in each case substantially in the form of
Exhibit A.

EFFECTIVE DATE shall mean the date on which all of the conditions specified in
Section 3.3 shall have been satisfied.

EQUIPMENT shall have the meaning specified in Section 2.

EVENT OF DEFAULT shall mean any event specified in Section 7.

FINANCIAL STATEMENTS shall have the meaning specified in Section 6.1.

GAAP shall mean generally accepted accounting principles in the United States of
America, as in effect from time to time.


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LOANS shall mean the loans and financial accommodations made by the Lender to
the Borrower in accordance with the terms of this Agreement and the Notes.

LOAN DOCUMENTS shall mean, collectively, this Agreement, the Notes, and all
other present and future documents, agreements, certificates, instruments, and
opinions delivered by the Borrower under, in connection with or relating to this
Agreement, or any other present or future instrument or agreement between Lender
and Borrower, as each of the same may be amended, modified, extended, restated
or supplemented from time to time.

MATERIAL ADVERSE CHANGE shall mean, with respect to any Person, a material
adverse change in the business, prospects, operations, results of operations,
assets, liabilities, or condition (financial or otherwise) of such Person taken
as a whole.

MATERIAL ADVERSE EFFECT shall mean, with respect to any Person, a material
adverse effect on the business, prospects, operations, results of operations,
assets, liabilities, or condition (financial or otherwise) of such Person taken
as a whole.

NOTE shall mean each Promissory Note made by the Borrower in favor of the
Lender, as amended, supplemented, or otherwise modified from time to time, in
each case substantially in the form of Exhibit B.

OBLIGATIONS shall mean and include all loans (including the Loans), advances,
debts, liabilities, obligations, covenants and duties owing by Borrower to
Lender of any kind or nature, present or future, whether or not evidenced by the
Note or any note, guaranty or other instrument, whether or not arising under or
in connection with, this Agreement, any other Loan Document or any other present
or future instrument or agreement, whether or not for the payment of money,
whether arising by reason of an extension of credit, opening, guaranteeing or
confirming of a letter of credit, loan, guaranty, indemnification or in any
other manner, whether direct or indirect (including those acquired by
assignment, purchase, discount or otherwise), whether absolute or contingent,
due or to become due, now due or hereafter arising and however acquired
(including without limitation all loans previously made by Lender to Borrower).
The term includes, without limitation, all interest (including interest accruing
on or after a bankruptcy, whether or not an allowed claim), charges, expenses,
commitment, facility, closing and collateral management fees, letter of credit
fees, reasonable attorneys' fees, taxes and any other sum properly chargeable to
Borrower under this Agreement, the other Loan Documents or any other present or
future agreement between Lender and Borrower.

PERMITTED LIENS shall mean such of the following as to which no enforcement,
collection, execution, levy, or foreclosure proceeding shall have been
commenced:  (a) liens for taxes, assessments, and other governmental charges or
levies or the claims or demands of landlords, carriers, warehousemen, mechanics,
laborers, materialmen, and other like Persons arising by operation of law in the
ordinary course of business for sums which are not yet due and payable, or liens
which are being contested in good faith by appropriate proceedings diligently
conducted and with respect to which adequate reserves are maintained to the
extent required by GAAP; (b) deposits or pledges to secure the payment of
worker's compensation, unemployment insurance, or other social security benefits
or obligations, public or statutory obligations, surety or appeal bonds, bid or
performance bonds, or other obligations of a like nature incurred in the
ordinary course of business; (c) licenses, restrictions, or covenants for or on
the use of the Equipment which do not materially impair either the use of the
Equipment in the operation of the business of the Borrower or the value of the
Equipment; and (d) attachment or judgment liens that do not constitute an Event
of Default.

PERSON shall mean any individual, sole proprietorship, partnership, limited
liability partnership, joint venture, trust, unincorporated organization,
association, corporation, limited liability company, institution, entity, party,
or government (including any division, agency, or department thereof), and the
successors, heirs, and assigns of each.

SCHEDULE shall mean each Schedule in the form of Schedule A hereto delivered by
the Borrower to the Lender from time to time.

SOLVENT means, with respect to any Person, that as of the date as to which such
Person's solvency is measured:


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          (a)  the fair saleable value of its assets is in excess of the total
amount of its liabilities (including contingent liabilities as valued in
accordance with GAAP) as they become absolute and matured;

          (b)  it has sufficient capital to conduct its business; and

          (c)  it is able generally to meet its debts as they mature.

TAXES shall have the meaning specified in Section 5.5.

          SECTION 2.     CREATION OF SECURITY INTEREST; COLLATERAL.  The
Borrower hereby assigns and grants to the Lender a continuing general, first
priority lien on, and security interest in, all the Borrower's right, title, and
interest in and to the collateral described in the next sentence (the
"Collateral") to secure the payment and performance of all the Obligations.  The
Collateral consists of all equipment set forth on all the Schedules delivered
from time to time under the terms of this Agreement (the "Equipment"), together
with all present and future additions, parts, accessories, attachments,
substitutions, repairs, improvements, and replacements thereof or thereto, and
any and all proceeds thereof, including, without limitation, proceeds of
insurance and all manuals, blueprints, know-how, warranties, and records in
connection therewith, all rights against suppliers, warrantors, manufacturers,
sellers, or others in connection therewith, and together with all substitutes
for any of the foregoing.

          SECTION 3.     THE CREDIT FACILITY.

               SECTION 3.1.   BORROWINGS.  Each Loan shall be in an amount not
less than $50,000, and in no event shall the sum of the aggregate Loans made
exceed the amount of the Lender's written commitment to the Borrower in effect
from time to time.  Notwithstanding anything herein to the contrary, the Lender
shall be obligated to make the initial Loan and each other Loan only after the
Lender, in its sole discretion, determines that the applicable conditions for
borrowing contained in Sections 3.3 and 3.4 are satisfied.  The timing and
financial scope of Lender's obligation to make Loans hereunder are limited as
set forth in a commitment letter executed by Lender and Borrower, dated as of
October 19, 1999 and attached hereto as EXHIBIT A (the "Commitment Letter").

               SECTION 3.2.   APPLICATION OF PROCEEDS.  The Borrower shall not
directly or indirectly use any proceeds of the Loans, or cause, assist, suffer,
or permit the use of any proceeds of the Loans, for any purpose other than for
the purchase, acquisition, installation, or upgrading of Equipment or the
reimbursement of the Borrower for its purchase, acquisition, installation, or
upgrading of Equipment.

               SECTION 3.3.   CONDITIONS TO INITIAL LOAN.

          (a)  The obligation of the Lender to make the initial Loan is subject
to the Lender's receipt of the following, each dated the date of the initial
Loan or as of an earlier date acceptable to the Lender, in form and substance
satisfactory to the Lender and its counsel:

               (i)    completed requests for information (Form UCC-11) listing
          all effective Uniform Commercial Code financing statements naming the
          Borrower as debtor and all tax lien, judgment, and litigation searches
          for the Borrower as the Lender shall deem necessary or desirable;

               (ii)   Uniform Commercial Code financing statements (Form UCC-1)
          duly executed by the Borrower (naming the Lender as secured party and
          the Borrower as debtor and in form acceptable for filing in all
          jurisdictions that the Lender deems necessary or desirable to perfect
          the security interests granted to it hereunder) and, if applicable,
          termination statements or other releases duly filed in all
          jurisdictions that the Lender deems necessary or desirable to perfect
          and protect the priority of the security interests granted to it
          hereunder in the Equipment related to such initial Loan;


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               (iii)  a Note duly executed by the Borrower evidencing the amount
          of such Loan;

               (iv)   a Collateral Access Agreement duly executed by the lessor
          or mortgagee, as the case may be, of each premises where the Equipment
          is located;

               (v)    certificates of insurance required under Section 5.4 of
          this Agreement together with loss payee endorsements for all such
          policies naming the Lender as lender loss payee and as an additional
          insured;

               (vi)   a certificate of the Secretary or an Assistant Secretary
          of the Borrower ("Secretary's Certificate") certifying  (A) that
          attached to the Secretary's Certificate is a true, complete, and
          accurate copy of the resolutions of the Board of Directors of the
          Borrower (or a unanimous consent of directors in lieu thereof)
          authorizing the execution, delivery, and performance of this
          Agreement, the other Loan Documents, and the transactions contemplated
          hereby and thereby,  and that such resolutions have not been amended
          or modified since the date of such certification and are in full force
          and effect; (B) the incumbency, names, and true signatures of the
          officers of the Borrower authorized to sign the Loan Documents to
          which it is a party; (C) that attached to the Secretary's Certificate
          is a true and correct copy of the Articles or Certificate of
          Incorporation of the Company, as amended, which Articles or
          Certificate of Incorporation have not been further modified, repealed
          or rescinded and are in full force and effect; (D) that attached to
          the Secretary's Certificate of the Borrower is a true and correct copy
          of the Bylaws, as amended, which Bylaws of the Company have not been
          further modified, repealed or rescinded and are in full force and
          effect; and (E) that attached to the Secretary's Certificate  is a
          valid Certificate of Good Standing issued by the Secretary of the
          State of the Borrower's state of incorporation;

               (vii)  the opinion of counsel for the Borrower covering such
          matters incident to the transactions contemplated by this Agreement as
          the Lender may reasonably require; and

               (viii) such other agreements and instruments as the Lender deems
          necessary in its sole and absolute discretion in connection with the
          transactions contemplated hereby.

          (b)  There shall be no pending or, to the knowledge of the Borrower
after due inquiry, threatened litigation, proceeding, inquiry, or other action
(i) seeking an injunction or other restraining order, damages, or other relief
with respect to the transactions contemplated by this Agreement or the other
Loan Documents or thereby or (ii) which affects or could affect the business,
prospects, operations, assets, liabilities, or condition (financial or
otherwise) of the Borrower, except, in the case of clause (ii), where such
litigation, proceeding, inquiry, or other action could not be expected to have a
Material Adverse Effect in the judgment of the Lender.

          (c)  The Borrower shall have paid all fees and expenses required to be
paid by it to the Lender as of such date.

          (d)  The security interests in the Equipment related to the initial
Loan granted in favor of the Lender under this Agreement shall have been duly
perfected and shall constitute first priority liens, subject only to Permitted
Liens.
               SECTION 3.4.   CONDITIONS PRECEDENT TO EACH LOAN.  The obligation
of the Lender to make each Loan is subject to the satisfaction of the following
conditions precedent:

          (a)  the Lender shall have received the documents, agreements, and
instruments set forth in Section 3.3(a)(i) through (v) applicable to such Loan,
each in form and substance satisfactory to the Lender and its counsel and each
dated the date of such Loan or as of an earlier date acceptable to the Lender;



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          (b)  the Lender shall have received a Schedule of the Equipment
related to such Loan, in form and substance satisfactory to the Lender and its
counsel, and the security interests in such Equipment related to such Loan
granted in favor of the Lender under this Agreement shall have been duly
perfected and shall constitute first priority liens;

          (c)  all representations and warranties contained in this Agreement
and the other Loan Documents shall be true and correct on and as of the date of
such Loan as if then made, other than representations and warranties that
expressly relate solely to an earlier date, in which case they shall have been
true and correct as of such earlier date;

          (d)  no Event of Default or event which with the giving of notice or
the passage of time, or both, would constitute an Event of Default shall have
occurred and be continuing or would result from the making of the requested Loan
as of the date of such request; and

          (e)  the Borrower shall be deemed to have hereby reaffirmed and
ratified all security interests, liens, and other encumbrances heretofore
granted by the Borrower to the Lender.

          SECTION 4.  THE BORROWER'S REPRESENTATIONS AND WARRANTIES.

               SECTION 4.1.   GOOD STANDING; QUALIFIED TO DO BUSINESS.  The
Borrower (a) is duly organized, validly existing, and in good standing under the
laws of the State of its organization, (b) has the power and authority to own
its properties and assets and to transact the businesses in which it is
presently, or proposes to be, engaged, and (c) is duly qualified and authorized
to do business and is in good standing in every jurisdiction in which the
failure to be so qualified could have a Material Adverse Effect on (i) the
Borrower, (ii) the Borrower's ability to perform its obligations under the Loan
Documents, or (iii) the rights of the Lender hereunder.

               SECTION 4.2.   DUE EXECUTION, ETC.  The execution, delivery, and
performance by the Borrower of each of the Loan Documents to which it is a party
are within the powers of the Borrower, do not contravene the organizational
documents, if any, of the Borrower, and do not (a) violate any law or
regulation, or any order or decree of any court or governmental authority,
(b) conflict with or result in a breach of, or constitute a default under, any
material indenture, mortgage, or deed of trust or any material lease, agreement,
or other instrument binding on the Borrower or any of its properties, or
(c) require the consent, authorization by, or approval of or notice to or filing
or registration with any governmental authority or other Person.  This Agreement
is, and each of the other Loan Documents to which the Borrower is or will be a
party, when delivered hereunder or thereunder, will be, the legal, valid, and
binding obligation of the Borrower enforceable against the Borrower in
accordance with its terms, except as enforceability may be limited by
bankruptcy, insolvency, or similar laws affecting creditors' rights generally
and by general principles of equity.

               SECTION 4.3.   SOLVENCY; NO LIENS.  The Borrower is Solvent and
will be Solvent upon the completion of all transactions contemplated to occur
hereunder (including, without limitation, the Loan to be made on the Effective
Date); the security interests granted herein constitute and shall at all times
constitute the first and only liens on the Collateral other than Permitted
Liens; and the Borrower is, or will be at the time additional Collateral is
acquired by it, the absolute owner of the Collateral with full right to pledge,
sell, consign, transfer, and create a security interest therein, free and clear
of any and all claims or liens in favor of any other Person other than Permitted
Liens.

               SECTION 4.4.   NO JUDGMENTS, LITIGATION.  No judgments are
outstanding against the Borrower nor is there now pending or, to the best of the
Borrower's knowledge after diligent inquiry, threatened any litigation,
contested claim, or governmental proceeding by or against the Borrower except
judgments and pending or threatened litigation, contested claims, and
governmental proceedings which would not, in the aggregate, have a Material
Adverse Effect on the Borrower.

               SECTION 4.5.   NO DEFAULTS.  The Borrower is not in default or
has not received a notice of default under any material contract, lease, or
commitment to which it is a party or by which it is bound.



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The Borrower knows of no dispute regarding any contract, lease, or commitment
which could have a Material Adverse Effect on the Borrower.

               SECTION 4.6.   COLLATERAL LOCATIONS.  On the date hereof, each
item of the Collateral is located at the place of business specified in the
applicable Schedule.

               SECTION 4.7.   NO EVENTS OF DEFAULT.  No Event of Default has
occurred and is continuing nor has any event occurred which, with the giving of
notice or the passage of time, or both, would constitute an Event of Default.

               SECTION 4.8.   NO LIMITATION ON LENDER'S RIGHTS.  Except as
permitted herein, none of the Collateral is subject to contractual obligations
that may restrict or inhibit the Lender's rights or abilities to sell or dispose
of the Collateral or any part thereof after the occurrence of an Event of
Default.

               SECTION 4.9.   PERFECTION AND PRIORITY OF SECURITY INTEREST.
This Agreement creates a valid and, upon completion of all required filings of
financing statements, perfected first priority security interest in the
Collateral, securing the payment of all the Obligations.

               SECTION 4.10.  MODEL AND SERIAL NUMBERS.  The Schedules set forth
the true and correct model number and serial number of each item of Equipment
that constitutes Collateral.

               SECTION 4.11.  ACCURACY AND COMPLETENESS OF INFORMATION.  All
data, reports, and information heretofore, contemporaneously, or hereafter
furnished by or on behalf of the Borrower in writing to the Lender or for
purposes of or in connection with this Agreement or any other Loan Document, or
any transaction contemplated hereby or thereby, are or will be true and accurate
in all material respects on the date as of which such data, reports, and
information are dated or certified and not incomplete by omitting to state any
material fact necessary to make such data, reports, and information not
misleading at such time.  There are no facts now known to the Borrower which
individually or in the aggregate would reasonably be expected to have a Material
Adverse Effect and which have not been specified herein, in the Financial
Statements, or in any certificate, opinion, or other written statement
previously furnished by the Borrower to the Lender.

               SECTION 4.12.  PRICE OF EQUIPMENT.  The cost of each item of
Equipment does not exceed the fair and usual price for such type of equipment
purchased in like quantity and reflects all discounts, rebates and allowances
for the Equipment (including, without limitation, discounts for advertising,
prompt payment, testing, or other services) given to the Borrower by the
manufacturer, supplier, or any other person.

          SECTION  5. COVENANTS OF THE BORROWER.

               SECTION 5.1.   EXISTENCE, ETC.  The Borrower shall:  (a) retain
its existence and its current yearly accounting cycle, (b) maintain in full
force and effect all licenses, bonds, franchises, leases, trademarks, patents,
contracts, and other rights necessary or desirable to the profitable conduct of
its business unless the failure to do so could not reasonably be expected to
have a Material Adverse Effect on the Borrower, (c) continue in, and limit its
operations to, the same general lines of business as those presently conducted
by it, and (d) comply with all applicable laws and regulations of any federal,
state, or local governmental authority, except for such laws and regulations the
violations of which would not, in the aggregate, have a Material Adverse Effect
on the Borrower.

               SECTION 5.2.   NOTICE TO THE LENDER.  As soon as possible, and in
any event within five days after the Borrower learns of the following, the
Borrower will give written notice to the Lender of (a) any proceeding instituted
or threatened to be instituted by or against the Borrower in any federal, state,
local, or foreign court or before any commission or other regulatory body
(federal, state, local, or foreign) involving a sum, together with the sum
involved in all other similar proceedings, in excess of $50,000 in the
aggregate, (b) any contract that is terminated or amended and which has had or
could reasonably be expected to have a Material Adverse Effect on the Borrower,
(c) the occurrence of any Material Adverse Change with respect to the Borrower,
and (d) the occurrence



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of any Event of Default or event or condition which, with notice or lapse of
time or both, would constitute an Event of Default, together with a statement of
the action which the Borrower has taken or proposes to take with respect
thereto.

               SECTION  5.3.  MAINTENANCE OF BOOKS AND RECORDS.  The Borrower
will maintain books and records pertaining to the Collateral in such detail,
form, and scope as the Lender shall require in its commercially reasonable
judgment.  The Borrower agrees that the Lender or its agents may enter upon the
Borrower's premises at any time and from time to time during normal business
hours, and at any time upon the occurrence and continuance of an Event of
Default, for the purpose of inspecting the Collateral and any and all records
pertaining thereto.

               SECTION 5.4.   INSURANCE.  The Borrower will maintain insurance
on the Collateral under such policies of insurance, with such insurance
companies, in such amounts, and covering such risks as are at all times
reasonably satisfactory to the Lender.  All such policies shall be made payable
to the Lender, in case of loss, under a standard non-contributory "lender" or
"secured party" clause and are to contain such other provisions as the Lender
may reasonably require to protect the Lender's interests in the Collateral and
to any payments to be made under such policies.  Certificates of insurance
policies are to be delivered to the Lender, premium prepaid, with the loss
payable endorsement in the Lender's favor, and shall provide for not less than
thirty days' prior written notice to the Lender, of any alteration or
cancellation of coverage.  If the Borrower fails to maintain such insurance, the
Lender may arrange for (at the Borrower's expense and without any responsibility
on the Lender's part for) obtaining the insurance.  Unless the Lender shall
otherwise agree with the Borrower in writing, the Lender shall have the sole
right, in the name of the Lender or the Borrower, to file claims under any
insurance policies, to receive and give acquittance for any payments that may be
payable thereunder, and to execute any endorsements, receipts, releases,
assignments, reassignments, or other documents that may be necessary to effect
the collection, compromise, or settlement of any claims under any such insurance
policies.

               SECTION 5.5.   TAXES.  The Borrower will pay, when due, all
taxes, assessments, claims, and other charges ("Taxes") lawfully levied or
assessed against the Borrower or the Collateral other than taxes that are being
diligently contested in good faith by the Borrower by appropriate proceedings
promptly instituted and for which an adequate reserve is being maintained by the
Borrower in accordance with GAAP.  If any Taxes remain unpaid after the date
fixed for the payment thereof and such date is final and nonappealable, or if
any lien shall be claimed therefor, then, without notice to the Borrower, but on
the Borrower's behalf, the Lender may pay such Taxes, and the amount thereof
shall be included in the Obligations.

               SECTION 5.6.   BORROWER TO DEFEND COLLATERAL AGAINST CLAIMS; FEES
ON COLLATERAL.  The Borrower will defend the Collateral against all claims and
demands of all Persons at any time claiming the same or any interest therein.
The Borrower will not permit any notice creating or otherwise relating to liens
on the Collateral or any portion thereof to exist or be on file in any public
office other than Permitted Liens.  The Borrower shall promptly pay, when
payable, all transportation, storage, and warehousing charges and license fees,
registration fees, assessments, charges, permit fees, and taxes (municipal,
state, and federal) which may now or hereafter be imposed upon the ownership,
leasing, renting, possession, sale, or use of the Collateral, other than taxes
on or measured by the Lender's income and fees, assessments, charges, and taxes
which are being contested in good faith by appropriate proceedings diligently
conducted and with respect to which adequate reserves are maintained to the
extent required by GAAP.

               SECTION  5.7.  NO CHANGE OF LOCATION, STRUCTURE, OR IDENTITY.
The Borrower will not (a) change the location of its chief executive office or
establish any place of business other than those specified herein or (b) move or
permit the movement of any item of Collateral from the location specified in the
applicable Schedule, except that the Borrower may change its chief executive
office and keep Collateral at other locations within the United States provided
that the Borrower has delivered to the Lender (i) prior written notice thereof
and (ii) duly executed financing statements and other agreements and instruments
(all in form and substance satisfactory to the Lender) necessary or, in the
opinion of the Lender, desirable to perfect and maintain in favor of the Lender
a first priority security interest in the Collateral.  Notwithstanding anything
to the contrary in the immediately preceding sentence, the Borrower may keep any
Collateral consisting of motor vehicles or rolling stock at any




                                       7
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location in the United States provided that the Lender's security interest in
any such Collateral is conspicuously marked on the certificate of title thereof
and the Borrower has complied with the provisions of Section 5.9.

               SECTION 5.8.   USE OF COLLATERAL; LICENSES; REPAIR.  The
Collateral shall be operated by competent, qualified personnel in connection
with the Borrower's business purposes, for the purpose for which the Collateral
was designed and in accordance with applicable operating instructions, laws, and
government regulations, and the Borrower shall use every reasonable precaution
to prevent loss or damage to the Collateral from fire and other hazards.  The
Collateral shall not be used or operated for personal, family, or household
purposes.  The Borrower shall procure and maintain in effect all orders,
licenses, certificates, permits, approvals, and consents required by federal,
state, or local laws or by any governmental body, agency, or authority in
connection with the delivery, installation, use, and operation of the
Collateral.  The Borrower shall keep all of the Equipment in a satisfactory
state of repair and satisfactory operating condition in accordance with industry
standards, and will make all repairs and replacements when and where necessary
and practical.  The Borrower will not waste or destroy the Equipment or any part
thereof, and will not be negligent in the care or use thereof.  The Equipment
shall not be annexed or affixed to or become part of any realty without the
Lender's prior written consent.

               SECTION 5.9.   FURTHER ASSURANCES.  The Borrower will, promptly
upon request by the Lender, execute and deliver or use its best efforts to
obtain any document reasonably required by the Lender (including, without
limitation, warehouseman or processor disclaimers, mortgagee waivers, landlord
disclaimers, or subordination agreements with respect to the Obligations and the
Collateral), give any notices, execute and file any financing statements,
mortgages, or other documents (all in form and substance reasonably satisfactory
to the Lender), mark any chattel paper, deliver any chattel paper or instruments
to the Lender, and take any other actions that are necessary or, in the opinion
of the Lender, desirable to perfect or continue the perfection and the first
priority of the Lender's security interest in the Collateral, to protect the
Collateral against the rights, claims, or interests of any Persons, or to effect
the purposes of this Agreement.  The Borrower hereby authorizes the Lender to
file one or more financing or continuation statements, and amendments thereto,
relating to all or any part of the Collateral without the signature of the
Borrower where permitted by law.  A carbon, photographic, or other reproduction
of this Agreement or any financing statement covering the Collateral or any part
thereof shall be sufficient as a financing statement where permitted by law.  To
the extent required under this Agreement, the Borrower will pay all costs
incurred in connection with any of the foregoing.

               Section 5.10.  NO DISPOSITION OF COLLATERAL.  The Borrower will
not in any way hypothecate or create or permit to exist any lien, security
interest, charge, or encumbrance on or other interest in any of the Collateral,
except for the lien and security interest granted hereby and Permitted Liens,
and the Borrower will not sell, transfer, assign, pledge, collaterally assign,
exchange, or otherwise dispose of any of the Collateral.  In the event the
Collateral, or any part thereof, is sold, transferred, assigned, exchanged, or
otherwise disposed of in violation of these provisions, the security interest of
the Lender shall continue in such Collateral or part thereof notwithstanding
such sale, transfer, assignment, exchange, or other disposition, and the
Borrower will hold the proceeds thereof in a separate account for the benefit of
the Lender.  Following such a sale, the Borrower will transfer such proceeds to
the Lender in kind.

               SECTION 5.11.  NO LIMITATION ON LENDER'S RIGHTS.  Except as
permitted herein, the Borrower will not enter into any contractual obligations
which may restrict or inhibit the Lender's rights or ability to sell or
otherwise dispose of the Collateral or any part thereof.

               SECTION 5.12.  PROTECTION OF COLLATERAL.  Upon notice to the
Borrower (provided that if an Event of Default has occurred and is continuing
the Lender need not give any notice), the Lender shall have the right at any
time to make any payments and do any other acts the Lender may deem necessary to
protect its security interests in the Collateral, including, without limitation,
the rights to satisfy, purchase, contest, or compromise any encumbrance, charge,
or lien other than a Permitted Lien which, in the reasonable judgment of the
Lender, appears to be prior to or superior to the security interests granted
hereunder, and appear in, and defend any action or proceeding purporting to
affect its security interests in, or the value of, any of the Collateral.  The
Borrower hereby agrees to reimburse the Lender for all payments made and
expenses reasonably incurred under this Agreement including reasonable fees,
expenses, and disbursements of attorneys and paralegals (including the


                                       8
<PAGE>

allocated costs of in-house counsel) acting for the Lender, including any of the
foregoing payments under, or acts taken to protect its security interests in,
any of the Collateral, which amounts shall be secured under this Agreement, and
agrees it shall be bound by any payment made or act taken by the Lender
hereunder absent the Lender's gross negligence or willful misconduct. The Lender
shall have no obligation to make any of the foregoing payments or perform any of
the foregoing acts.

               SECTION 5.13.  DELIVERY OF ITEMS.  The Borrower will (a) promptly
(but in no event later than one Business Day) after its receipt thereof, deliver
to the Lender any documents or certificates of title issued with respect to any
property included in the Collateral, and any promissory notes, letters of credit
or instruments related to or otherwise in connection with any property included
in the Collateral, which in any such case come into the possession of the
Borrower, or shall cause the issuer thereof to deliver any of the same directly
to the Lender, in each case with any necessary endorsements in favor of the
Lender and (b) deliver to the Lender as soon as available copies of any and all
press releases and other similar communications issued by the Borrower.

               SECTION 5.14.  SOLVENCY.  The Borrower shall be and remain
Solvent at all times.

               SECTION 5.15.  FUNDAMENTAL CHANGES.  The Borrower shall not
(a) amend or modify its name, unless the Borrower delivers to the Lender thirty
days prior to any such proposed amendment or modification written notice of such
amendment or modification and within ten days before such amendment or
modification delivers executed Uniform Commercial Code financing statements (in
form and substance satisfactory to the Lender) or (b) merge or consolidate with
any other entity or make any material change in its capital structure, in each
case without the Lender's prior written consent which shall not be unreasonably
withheld.

               SECTION 5.16.  ADDITIONAL REQUIREMENTS.  The Borrower shall take
all such further actions and execute all such further documents and instruments
as the Lender may reasonably request.

          SECTION 6.  FINANCIAL STATEMENTS.  Until the payment and satisfaction
in full of all Obligations, the Borrower shall deliver to the Lender the
following financial information:

               SECTION 6.1.   ANNUAL FINANCIAL STATEMENTS.  As soon as
available, but not later than 120 days after the end of each fiscal year of the
Borrower and its consolidated subsidiaries, the consolidated balance sheet,
income statement, and statements of cash flows and shareholders equity for the
Borrower and its consolidated subsidiaries (the "Financial Statements") for such
year, reported on by independent certified public accountants without an adverse
qualification; and

               SECTION 6.2.   QUARTERLY FINANCIAL STATEMENTS.  As soon as
available, but not later than 60 days after the end of each of the first three
fiscal quarters in any fiscal year of the Borrower and its consolidated
subsidiaries, the Financial Statements for such fiscal quarter, together with a
certification duly executed by a responsible officer of the Borrower that such
Financial Statements have been prepared in accordance with GAAP and are fairly
stated in all material respects (subject to normal year-end audit adjustments).

          SECTION 7.  EVENTS OF DEFAULT.  The occurrence of any of the following
events shall constitute an Event of Default hereunder:

               (a)    the Borrower shall fail to pay within five days of when
due any amount required to be paid by the Borrower under or in connection with
any Note and this Agreement;

               (b)    any representation or warranty made or deemed made by the
Borrower under or in connection with any Loan Document or any Financial
Statement shall prove to have been false or incorrect in any material respect
when made;

               (c)    the Borrower shall fail to perform or observe (i) any of
the terms, covenants or agreements contained in Sections 5.4, 5.7, 5.10, 5.14,
or 5.15 hereof or (ii) any other term, covenant, or agreement contained in any
Loan Document (other than the other Events of Default specified in this Section
7) and such failure



                                       9
<PAGE>

remains unremedied for the earlier of fifteen days from (A) the date on which
the Lender has given the Borrower written notice of such failure and (B) the
date on which the Borrower knew or should have known of such failure;

               (d)    any provision of any Loan Document to which the Borrower
is a party shall for any reason cease to be valid and binding on the Borrower,
or the Borrower shall so state;

               (e)    dissolution, liquidation, winding up, or cessation of the
Borrower's business, failure of the Borrower generally to pay its debts as they
mature, admission in writing by the Borrower of its inability generally to pay
its debts as they mature, or calling of a meeting of the Borrower's creditors
for purposes of compromising any of the Borrower's debts;

               (f)    the commencement by or against the Borrower of any
bankruptcy, insolvency, arrangement, reorganization, receivership, or similar
proceedings under any federal or state law and, in the case of any such
involuntary proceeding, such proceeding remains undismissed or unstayed for
sixty days following the commencement thereof, or any action by the Borrower is
taken authorizing any such proceedings;

               (g)    an assignment for the benefit of creditors is made by the
Borrower, whether voluntary or involuntary, the appointment of a trustee,
custodian, receiver, or similar official for the Borrower or for any substantial
property of the Borrower, or any action by the Borrower authorizing any such
proceeding;

               (h)    the Borrower shall default in (i) the payment of principal
or interest on any indebtedness in excess of $50,000 (other than the
Obligations) beyond the period of grace, if any, provided in the instrument or
agreement under which such indebtedness was created; or (ii) the observance or
performance of any other agreement or condition relating to any such
indebtedness or contained in any instrument or agreement relating thereto, or
any other event shall occur or condition exist, the effect of which default or
other event or condition is to cause, or to permit the holder or holders of such
indebtedness to cause, with the giving of notice if required, such indebtedness
to become due prior to its stated maturity;

               (i)    the Borrower suffers or sustains a Material Adverse
Change;

               (j)    any tax lien, other than a Permitted Lien, is filed of
record against the Borrower and is not bonded or discharged within five Business
Days;

               (k)    any judgment which has had or could reasonably be expected
to have a Material Adverse Effect on the Borrower and such judgment shall not be
stayed, vacated, bonded, or discharged within sixty days;

               (l)    any material covenant, agreement, or obligation, as
determined in the sole discretion of the Lender, made by the Borrower and
contained in or evidenced by any of the Loan Documents shall cease to be
enforceable, or shall be determined to be unenforceable, in accordance with its
terms; the Borrower shall deny or disaffirm the Obligations under any of the
Loan Documents or any liens granted in connection therewith; or any liens
granted on any of the Collateral in favor of the Lender shall be determined to
be void, voidable, or invalid, or shall not be given the priority contemplated
by this Agreement; or

               (m)    there is a change in more than 35% of the ownership of any
equity interests of the Borrower on the date hereof or more than 35% of such
interests become subject to any contractual, judicial, or statutory lien,
charge, security interest, or encumbrance.

          SECTION 8.  REMEDIES.  If any Event of Default shall have occurred and
be continuing:

               (a)    The Lender may, without prejudice to any of its other
rights under any Loan Document or Applicable Law, declare all Obligations to be
immediately due and payable (except with respect to any Event of Default set
forth in Section 7(f) hereof, in which case all Obligations shall automatically
become immediately due and payable without necessity of any declaration) without
presentment, representation, demand of



                                       10
<PAGE>

payment, or protest, which are hereby expressly waived.

               (b)    The Lender may take possession of the Collateral and, for
that purpose may enter, with the aid and assistance of any person or persons,
any premises where the Collateral or any part hereof is, or may be placed, and
remove the same.

               (c)    The obligation of the Lender, if any, to make additional
Loans or financial accommodations of any kind to the Borrower shall immediately
terminate.

               (d)    The Lender may exercise in respect of the Collateral, in
addition to other rights and remedies provided for herein (or in any Loan
Document) or otherwise available to it, all the rights and remedies of a secured
party under the applicable Uniform Commercial Code (the "Code") whether or not
the Code applies to the affected Collateral and also may (i) require the
Borrower to, and the Borrower hereby agrees that it will at its expense and upon
request of the Lender forthwith, assemble all or part of the  Collateral as
directed by the Lender and make it available to the Lender at a place to be
designated by the Lender that is reasonably convenient to both parties and
(ii) without notice except as specified below, sell the Collateral or any part
thereof in one or more parcels at public or private sale, at any of the Lender's
offices or elsewhere, for cash, on credit, or for future delivery, and upon such
other terms as the Lender may deem commercially reasonable.  The Borrower agrees
that, to the extent notice of sale shall be required by law, at least ten days'
notice to the Borrower of the time and place of any public sale or the time
after which any private sale is to be made shall constitute reasonable
notification.  The Lender shall not be obligated to make any sale of Collateral
regardless of notice of sale having been given.  The Lender may adjourn any
public or private sale from time to time by announcement at the time and place
fixed therefor, and such sale may, without further notice, be made at the time
and place to which it was so adjourned.

               (e)    All cash proceeds received by the Lender in respect of any
sale of, collection from, or other realization upon all or any part of the
Collateral may, in the discretion of the Lender, be held by the Lender as
collateral for, or then or at any time thereafter applied in whole or in part by
the Lender against, all or any part of the Obligations in such order as the
Lender shall elect.  Any surplus of such cash or cash proceeds held by the
Lender and remaining after the full and final payment of all the Obligations
shall be paid over to the Borrower or to such other Person to which the Lender
may be required under applicable law, or directed by a court of competent
jurisdiction, to make payment of such surplus.

          SECTION 9.   MISCELLANEOUS PROVISIONS.

               SECTION 9.1.   NOTICES.  Except as otherwise provided herein, all
notices, approvals, consents, correspondence, or other communications required
or desired to be given hereunder shall be given in writing and shall be
delivered by overnight courier, hand delivery, or certified or registered mail,
postage prepaid, if to the Lender, then to Transamerica Technology Finance
Division, 76 Batterson Park Road, Farmington, Connecticut 06032, Attention:
Assistant Vice President, Lease Administration, with a copy to the Lender at
Riverway II, West Office Tower, 9399 West Higgins Road, Rosemont, Illinois
60018, Attention:  Legal Department, and if to the Borrower, then to Corillian
Corporation, 3601 SW Murray Boulevard, Suite 300, Beaverton, Oregon 97005,, or
such other address as shall be designated by the Borrower or the Lender to the
other party in accordance herewith.  All such notices and correspondence shall
be effective when received.

               SECTION  9.2.  HEADINGS.  The headings in this Agreement are for
purposes of reference only and shall not affect the meaning or construction of
any provision of this Agreement.

               SECTION 9.3.   ASSIGNMENTS.  The Borrower shall not have the
right to assign any Note or this Agreement or any interest therein unless the
Lender shall have given the Borrower prior written consent and the Borrower and
its assignee shall have delivered assignment documentation in form and substance
satisfactory to the Lender in its sole discretion.  The Lender may assign its
rights and delegate its obligations under any Note or this Agreement.

               SECTION 9.4.   AMENDMENTS, WAIVERS, AND CONSENTS.  Any amendment
or waiver



                                       11
<PAGE>

of any provision of this Agreement and any consent to any departure by the
Borrower from any provision of this Agreement shall be effective only by a
writing signed by the Lender and shall bind and benefit the Borrower and the
Lender and their respective successors and assigns, subject, in the case of the
Borrower, to the first sentence of Section 9.3.

               SECTION 9.5.   INTERPRETATION OF AGREEMENT.  Time is of the
essence in each provision of this Agreement of which time is an element.  All
terms not defined herein or in a Note shall have the meaning set forth in the
applicable Code, except where the context otherwise requires.  To the extent a
term or provision of this Agreement conflicts with any Note, or any term or
provision thereof, and is not dealt with herein with more specificity, this
Agreement shall control with respect to the subject matter of such term or
provision.  Acceptance of or acquiescence in a course of performance rendered
under this Agreement shall not be relevant in determining the meaning of this
Agreement even though the accepting or acquiescing party had knowledge of the
nature of the performance and opportunity for objection.

               SECTION 9.6.   CONTINUING SECURITY INTEREST.  This Agreement
shall create a continuing security interest in the Collateral and shall
(i) remain in full force and effect until the indefeasible payment in full of
the Obligations, (ii) be binding upon the Borrower and its successors and
assigns and (iii) inure, together with the rights and remedies of the Lender
hereunder, to the benefit of the Lender and its successors, transferees, and
assigns.

               SECTION 9.7.   REINSTATEMENT.  To the extent permitted by law,
this Agreement and the rights and powers granted to the Lender hereunder and
under the Loan Documents shall continue to be effective or be reinstated if at
any time any amount received by the Lender in respect of the Obligations is
rescinded or must otherwise be restored or returned by the Lender upon the
insolvency, bankruptcy, dissolution, liquidation, or reorganization of the
Borrower or upon the appointment of any receiver, intervenor, conservator,
trustee, or similar official for the Borrower or any substantial part of its
assets, or otherwise, all as though such payments had not been made.

               SECTION 9.8.   SURVIVAL OF PROVISIONS.  All representations,
warranties, and covenants of the Borrower contained herein shall survive the
execution and delivery of this Agreement, and shall terminate only upon the full
and final payment and performance by the Borrower of the Obligations secured
hereby.

               SECTION 9.9.   INDEMNIFICATION.  The Borrower agrees to indemnify
and hold harmless the Lender and its directors, officers, agents, employees, and
counsel from and against any and all costs, expenses, claims, or liability
incurred by the Lender or such Person hereunder and under any other Loan
Document or in connection herewith or therewith, unless such claim or liability
shall be due to willful misconduct or gross negligence on the part of the Lender
or such Person.

               SECTION 9.10.  COUNTERPARTS; TELECOPIED SIGNATURES.  This
Agreement may be executed in counterparts, each of which when so executed and
delivered shall be an original, but both of which shall together constitute one
and the same instrument.  This Agreement and each of the other Loan Documents
and any notices given in connection herewith or therewith may be executed and
delivered by telecopier or other facsimile transmission all with the same force
and effect as if the same was a fully executed and delivered original manual
counterpart.

               SECTION 9.11.  SEVERABILITY.  In case any provision in or
obligation under this Agreement or any Note or any other Loan Document shall be
invalid, illegal, or unenforceable in any jurisdiction, the validity, legality,
and enforceability of the remaining provisions or obligations, or of such
provision or obligation in any other jurisdiction, shall not in any way be
affected or impaired thereby.

               SECTION 9.12.  DELAYS; PARTIAL EXERCISE OF REMEDIES.  No delay or
omission of the Lender to exercise any right or remedy hereunder, whether before
or after the happening of any Event of Default, shall impair any such right or
shall operate as a waiver thereof or as a waiver of any such Event of Default.
No single or partial exercise by the Lender of any right or remedy shall
preclude any other or further exercise thereof,


                                       12
<PAGE>

or preclude any other right or remedy.

               SECTION 9.13.  ENTIRE AGREEMENT.  The Borrower and the Lender
agree that this Agreement, the Schedule hereto, and the Commitment Letter are
the complete and exclusive statement and agreement between the parties with
respect to the subject matter hereof, superseding all proposals and prior
agreements, oral or written, and all other communications between the parties
with respect to the subject matter hereof.  Should there exist any inconsistency
between the terms of the Commitment Letter and this Agreement, the terms of this
Agreement shall prevail.

               Section 9.14.  SETOFF.  In addition to and not in limitation of
all rights of offset that the Lender may have under Applicable Law, and whether
or not the Lender has made any demand or the Obligations of the Borrower have
matured, the Lender shall have the right to appropriate and apply to the payment
of the Obligations of the Borrower all deposits and other obligations then or
thereafter owing by the Lender to or for the credit or the account of the
Borrower.

               Section 9.15.  WAIVER OF JURY TRIAL.   THE BORROWER AND THE
LENDER IRREVOCABLY WAIVE ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING,
OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, ANY OTHER LOAN
DOCUMENT, OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY.

               Section 9.16.  GOVERNING LAW. THE VALIDITY, INTERPRETATION, AND
ENFORCEMENT OF THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE
WITH THE LAWS OF THE STATE OF ILLINOIS WITHOUT GIVING EFFECT TO THE CONFLICT OF
LAW PRINCIPLES THEREOF.

               Section 9.17.  VENUE; SERVICE OF PROCESS.  ANY LEGAL ACTION OR
PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY OTHER LOAN DOCUMENT MAY BE
BROUGHT IN THE COURTS OF THE STATE OF ILLINOIS SITUATED IN COOK COUNTY, OR OF
THE UNITED STATES OF AMERICA FOR THE NORTHERN DISTRICT OF ILLINOIS, AND, BY
EXECUTION AND DELIVERY OF THIS AGREEMENT, THE BORROWER HEREBY ACCEPTS FOR ITSELF
AND IN RESPECT OF ITS PROPERTY, GENERALLY AND UNCONDITIONALLY, THE JURISDICTION
OF THE AFORESAID COURTS.  THE BORROWER HEREBY IRREVOCABLY WAIVES, IN CONNECTION
WITH ANY SUCH ACTION OR PROCEEDING, ANY OBJECTION, INCLUDING, WITHOUT
LIMITATION, ANY OBJECTION TO THE LAYING OF VENUE OR BASED ON THE GROUNDS OF
FORUM NON CONVENIENS, THAT IT MAY NOW OR HEREAFTER HAVE TO THE BRINGING OF ANY
SUCH ACTION OR PROCEEDING IN SUCH RESPECTIVE JURISDICTIONS.  THE BORROWER
IRREVOCABLY CONSENTS TO THE SERVICE OF PROCESS OF ANY OF THE AFOREMENTIONED
COURTS IN ANY SUCH ACTION OR PROCEEDING BY THE MAILING OF COPIES THEREOF BY
REGISTERED OR CERTIFIED MAIL, POSTAGE PREPAID, TO THE BORROWER AT THE ADDRESS
FOR IT SPECIFIED IN SECTION 9.1 HEREOF.  NOTHING HEREIN SHALL AFFECT THE RIGHT
OF THE LENDER TO SERVE PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR TO
COMMENCE LEGAL PROCEEDINGS OR OTHERWISE PROCEED AGAINST THE BORROWER IN ANY
OTHER JURISDICTION, SUBJECT IN EACH INSTANCE TO THE PROVISIONS HEREOF WITH
RESPECT TO RIGHTS AND REMEDIES.


                                       13
<PAGE>

               IN WITNESS WHEREOF, the undersigned Borrower has caused this
Agreement to be duly executed and delivered by its proper and duly authorized
officer as of the date first set forth above.


                              CORILLIAN CORPORATION




                              By:
                                 ----------------------------------------
                                 Name:
                                 Title:
                              Federal Tax ID No.:


Accepted as of the
____ day of January, 2000


TRANSAMERICA BUSINESS CREDIT CORPORATION



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

Form16


                                       14
<PAGE>

                                   SCHEDULE A

                                       TO

                           LOAN AND SECURITY AGREEMENT

Other Places of Business and Locations of Collateral (Section 4.16):

Prior Names of Obligor (Section 4.7):

Prior Trade Names of Obligor (Section 4.7):

Existing Trade Names of Obligor (Section 4.7):

Federal Tax ID (Section 4.7):


                                       15
<PAGE>

                                   EXHIBIT A


               [LETTERHEAD OF TRANSAMERICA BUSINESS CREDIT]


October 19, 1999

Ms. Ann Muir
Controller
Corillian Corporation
3601 SW Murray Boulevard, Suite 300
Beaverton, OR 97005

Dear Ann:

Transamerica Business Credit Corporation - Technology Finance Division
("Lender") is pleased to offer financing for the Equipment described in this
letter (this "Commitment") to Corillian Corporation ("Borrower"). This
Commitment supersedes all prior correspondence, proposals, and oral or other
communications relating to financing arrangements between Borrower and Lender.

The outline of this offer is as follows:
<TABLE>
<S>                          <C>
LENDER:                      Transamerica Business Credit Corporation - Technology Finance Division
                             and/or its affiliates, successors or assigns.

BORROWER:                    Corillian Corporation

AMOUNT OF LOANS:             Not to exceed $3,000,000 in the aggregate. The first $1,000,000 will be made
                             available upon closing of the transaction described in this Commitment. The
                             remaining availability will be made available upon completion of the current
                             equity round (Series C) with net proceeds to the Borrower of not less than
                             $17,500,000.

USE OF PROCEEDS:             Various computer equipment, office equipment, software and leasehold
                             improvements (the "Equipment"). Up to 20% of this financing may be used
                             for software, leasehold improvements or other soft costs such as sales
                             tax, freight and installation expenses. Equipment purchased prior to May 1,
                             1999 will not be financed.

COLLATERAL:                  Lender will require a perfected first priority security interest in all Equipment
                             financed with the Loans, including but not limited to all additions, accessions,
                             improvements, replacements and attachments thereto and proceeds (including insurance
                             proceeds) thereof (the "Collateral").

LOCATION OF COLLATERAL:      Beaverton, OR

EXPECTED DRAW-DOWN           A minimum of $100,000 will be drawn on or before October 31, 1999 and the
SCHEDULE:                    remaining availability will be drawn on or before September 30, 2000.

DRAW-DOWN EXPIRATION:        No Loans will be funded after September 30, 2000.

<PAGE>
<S>                          <C>
LOAN TERM:                   Each Loan Term will commence upon delivery of the equipment or upon each delivery
                             of items of equipment having an aggregate cost of not less than $50,000, and will
                             continue through 36 months from the first day of the month next following or coincident
                             with commencement of that Loan Term.

PAYMENT TERMS:               Monthly Payments equal to 3.2128% of original principal amount of each Loan will be
                             payable monthly in advance. The first and last Monthly Payments will be due and payable
                             on or before commencement of each Loan Term.

                             Lender reserves the right to increase the rate set forth above as of the date
                             each Loan Term commences commensurate to the changes in the weekly average of the
                             interest rates of 3-year U.S. Treasury Securities (as published in the WALL STREET
                             JOURNAL) from the week ending September 10, 1999 (5.78%) to the week preceding the
                             commencement of that Loan Term. As of the date each Loan Term commences, the Monthly
                             Payment will be fixed for that entire Loan Term. A schedule of the actual Monthly Payments
                             will be provided by the Lender following commencement of each Loan Term.

BALLOON PAYMENT:             At the end of each Loan Term, the Borrower will be obligated to make one final Balloon
                             Payment equal to 10% of the original principal amount of each Loan, plus any other
                             amounts then due and owing to Lender.

INTERIM PAYMENT:             An Interim Payment will accrue from the date each Loan Term commences until the next
                             following first day of a month (unless the Loan Term commences on the first day of a
                             month). The Interim Payment will be calculated at the daily equivalent of the currently
                             adjusted Monthly Payment.

INSURANCE:                   Prior to any delivery of Equipment, the Borrower will furnish confirmation of insurance
                             acceptable to the Lender covering the Collateral including primary, all risk, physical
                             damage, property damage and bodily injury with appropriate loss payee and additional
                             insured endorsements in favor of the Lender.

CONDITIONS PRECEDENT         Each Loan will be subject to the following:
TO LENDING:                  1.  No material adverse change in the financial condition, operations or prospects
                                 of the Borrower prior to funding. The Lender reserves the right to rescind any
                                 unused portion of its commitment in the event of a material adverse change in the
                                 financial condition, operation or prospects of the Borrower.
                             2.  Completion of the documentation and final terms of the proposed financing satisfactory
                                 to Lender and Lender's counsel.
                             3.  Results of all due diligence, including lien, judgment and tax search and other matters
                                 Lender may request shall be satisfactory to Lender and Lender's counsel.
                             4.  Receipt by Lender of duly executed loan documentation in form and substance satisfactory
                                 to Lender and its counsel


                                                             2
<PAGE>
<S>                          <C>
                              5. Lender shall receive a valid and perfected first priority lien and security
                                 interest in the Collateral and Lender shall have received satisfactory
                                 evidence that there are no liens on the Collateral except as expressly permitted
                                 herein.

ADDITIONAL                    There will be no actual or threatened conflict with, or violation of, any regulatory
COVENANTS:                    statute, standard or rule relating to the Borrower, its present or future operations,
                              or the Collateral.

                              Borrower will be required to provide quarterly financial information. All information
                              supplied by the Borrower will be correct and will not omit any statement necessary to
                              make the information supplied not be misleading. There will be no material breach of the
                              representations and warranties of the Borrower in the loan.

EXPENSES:                     All costs and expenses incurred by the Lender in connection with the underwriting and
                              closing of the Loans will be paid by the Borrower whether or not any Loans are
                              consummated and funds are advanced by the Lender.

LAW:                          This letter and the proposed Loan are intended to be governed by and construed in
                              accordance with Illinois law without regard to its conflict of law provisions.

INDEMNITY:                     Borrower agrees to indemnify and to hold harmless Lender, and its officers, directors
                              and employees against all claims, damages, liabilities and expenses which may be
                              incurred by or asserted against any such person in connection with or arising out of
                              this letter and the transactions contemplated hereby, other than claims, damages,
                              liability, and expense resulting from such person's gross negligence or willful misconduct.

CONFIDENTIALITY:              This letter is delivered to you with the understanding that neither it nor its
                              substance shall be disclosed publicly or privately to any third person except those who are
                              in a confidential relationship to you (such as your legal counsel and accountants), or where
                              the same is required by law and then only on the basis that it not be further disclosed, which
                              conditions Borrower and its agents agree to be bound by upon acceptance of this letter.

                              Without limiting the generality of the foregoing, none of such persons shall use or
                              refer to Lender or to any affiliate name in any disclosures made in connection with any
                              of the transactions without Lender's prior written consent.

                              Upon completion of the initial takedown by Borrower, the Borrower will no longer be
                              required to obtain Lender's prior written consent to disclose the transaction
                              contemplated hereby. In addition, the Borrower agrees to provide camera ready artwork of
                              typestyles and logos of the Borrower for use in promotional material by the Lender.

CONDITIONS OF ACCEPTANCE:     This Commitment Letter is intended to be a summary of the most important

                                                             3
<PAGE>
<S>                          <C>
                              elements of the agreement to enter into a loan transaction with Borrower, and it is
                              subject to all requirements and conditions contained in Loan documentation proposed
                              by Lender or its counsel in the course of closing the Loans described herein. Not every
                              provision that imposes duties, obligations, burdens, or limitations on Borrower is contained
                              herein, but shall be contained in the final Loan documentation satisfactory to Lender and
                              its counsel.

                              EACH OF THE PARTIES HERETO IRREVOCABLY AND UNCONDITIONALLY WAIVES ALL RIGHT TO TRIAL BY
                              JURY IN ANY SUIT, ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT OF OR RELATED TO THIS
                              LETTER OR THE TRANSACTION DESCRIBED IN THIS LETTER.

APPLICATION FEE:              The $30,000 Application Fee previously paid by the Borrower will be first applied to the
                              reasonable costs and expenses of the Lender in connection with the transaction, and any
                              remainder shall be applied pro rata (based on the amount of each funding to the total
                              amount of this Commitment) to the second month's payment due under the Loan.

COMMITMENT EXPIRATION:        This Commitment shall expire on October 26, 1999 unless prior thereto either extended
                              in writing by the Lender or accepted as provided below by the Borrower.
</TABLE>

Should you have any questions, please call me. If you wish to accept this
Commitment, please so indicate by signing and returning the enclosed
duplicate copy of this letter to me by October 26, 1999.


                                          Yours truly,

                                          TRANSAMERICA BUSINESS CREDIT
                                          CORP - TECHNOLOGY FINANCE
                                          DIVISION

                                          By /s/ Gerald A. Michaud
                                             ---------------------------
                                             Gerald A. Michaud
                                             Senior Vice President - Marketing


Accepted this ___ day of October, 1999.

CORILLIAN CORPORATION

By /s/ Ted Spooner
   ----------------------------
Name:  Ted Spooner
Title: Chairman and CEO

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