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                                                                    Exhibit 10.1


                           LOAN AND SECURITY AGREEMENT

                                 by and between

                           HEALTHCARE.COM CORPORATION

                                 as the BORROWER

                                       and

                              SILICON VALLEY BANK,

                                  as the LENDER

                      REVOLVING LINE OF CREDIT: $7,000,000

                                DECEMBER 20, 2000


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                           LOAN AND SECURITY AGREEMENT

         THIS LOAN AND SECURITY AGREEMENT (this "Agreement") dated December 20,
2000, between SILICON VALLEY BANK, a California chartered bank, having an
address of 3003 Tasman Drive, Santa Clara, California 95054 and a loan
production office at 3343 Peachtree Road, NE, Suite 312, Atlanta, Georgia 30326
("Bank") and HEALTHCARE.COM CORPORATION, a Georgia corporation, having an
address at 1850 Parkway Place, Suite 1100, Marietta, Georgia 30067 ("Borrower"),
provides the terms on which Bank will lend to Borrower and Borrower will repay
Bank. The parties agree as follows:

1 ACCOUNTING AND OTHER TERMS

         Accounting terms not defined in this Agreement will be construed
following GAAP. Calculations and determinations must be made following GAAP. The
term "financial statements" includes the notes and schedules. The terms
"including" and "includes" always mean "including (or includes) without
limitation" in this or any Loan Document. Capitalized terms in this Agreement
shall have the meanings set forth in Section 13. This Agreement shall be
construed to impart upon Bank a duty to act reasonably at all times.

2 LOAN AND TERMS OF PAYMENT

         2.1 REVOLVING ADVANCES.

                  (a) Bank will make Advances not exceeding the lesser of the
Committed Revolving Line or the Borrowing Base. Amounts borrowed under this
Section 2.1 may be repaid and reborrowed during the term of this Agreement. All
Advances shall be evidenced by a Revolving Promissory Note to be executed and
delivered by Borrower to Bank on the Closing Date and shall be repaid in
accordance with the terms of the Revolving Promissory Note.

                  (b) To obtain an Advance, Borrower must notify Bank by
facsimile or telephone by 3:00 p.m. Eastern time on the Business Day the Advance
is to be made. Borrower must promptly confirm the notification by delivering to
Bank the Payment/Advance Form attached as EXHIBIT B. Bank will credit Advances
to Borrower's deposit account. Bank may make Advances under this Agreement based
on instructions from a Responsible Officer or his or her designee or without
instructions if the Advances are necessary to meet Obligations which have become
due. Bank may rely on any telephone notice given by a person whom Bank believes
is a Responsible Officer or designee. Borrower will indemnify Bank for any loss
Bank suffers due to that reliance.

                  (c) The Committed Revolving Line terminates on the Revolving
Maturity Date, when all Advances are immediately payable.

         2.2 OVERADVANCES. If Borrower's Obligations under Section 2.1 exceed
the lesser of either (i) the Committed Revolving Line or (ii) the Borrowing
Base, Borrower must immediately pay in cash to Bank the excess.

         2.3 INTEREST RATE; PAYMENTS.

                  (a) INTEREST RATE.

                           (i) Advances under the Committed Revolving Line
accrue interest on the outstanding principal balance in accordance with the
Revolving Promissory Note.


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                           (ii) After and during the occurrence of an Event of
Default, Obligations accrue interest at five percent (5%) above the rate set
forth in the Revolving Promissory Note effective immediately before the Event of
Default. The interest rate increases or decreases when the Prime Rate changes.
Interest is computed on a 360-day year for the actual number of days elapsed.

                  (b) PAYMENTS.


                           (i) Interest on the Committed Revolving Line is
payable on the fifth (5th) day of each month.


                           (ii) Bank may debit any of Borrower's deposit
accounts including Account Number 3300112613 for principal and interest payments
when due or any amounts Borrower owes Bank when due. Bank will notify Borrower
at the time it debits Borrower's accounts. These debits are not a set-off.
Payments received after 12:00 noon Eastern time are considered received at the
opening of business on the next Business Day. When a payment is due on a day
that is not a Business Day, the payment is due the next Business Day and
additional fees or interest accrue.

         2.4 FEES. Borrower will pay to Bank:

                  (a) FACILITY FEE. A fully earned, nonrefundable facility fee
for the Committed Revolving Line of Thirty Five Thousand Dollars ($35,000) due
on the Closing Date; and

                  (b) BANK EXPENSES. All Bank Expenses including reasonable
attorneys' fees and expenses incurred through and after the Closing Date when
due.

3 CONDITIONS OF LOANS

         3.1 CONDITIONS PRECEDENT TO INITIAL ADVANCE. Bank's obligation to make
the initial Advance is subject to the condition precedent that it receive the
agreements and documents it requires and the fees set forth in Section 2.4
above.

         3.2 CONDITIONS PRECEDENT TO ALL ADVANCES. Bank's obligations to make
each Advance, including the initial Advance, is subject to the following:

                  (a) timely receipt of any Payment/Advance Form; and

                  (b) the representations and warranties in Section 5 must be
materially true on the date of the Payment/Advance Form and on the effective
date of each Advance and no Event of Default may have occurred and be
continuing, or result from the Advance. Each Advance is Borrower's
representation and warranty on that date that the representations and warranties
in Section 5 remain true.

4 CREATION OF SECURITY INTEREST

         4.1 GRANT OF SECURITY INTEREST. Borrower grants Bank a continuing
security interest in all presently existing and later acquired Collateral to
secure all Obligations and performance of each of Borrower's duties under the
Loan Documents. Except for Permitted Liens, any security interest will be a
first priority security interest in the Collateral. After the occurrence and
during the continuance of an Event of Default, Bank may place a "hold" on any
deposit



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account pledged as Collateral. If the Agreement is terminated, Bank's lien and
security interest in the Collateral will continue until Borrower fully satisfies
its Obligations.

5 REPRESENTATIONS AND WARRANTIES

         Borrower represents and warrants as follows:

         5.1 DUE ORGANIZATION AND AUTHORIZATION. Borrower and each Subsidiary is
duly existing and in good standing in its state of formation and qualified and
licensed to do business in, and in good standing in, any state in which the
conduct of its business or its ownership of property requires that it be
qualified, except where the failure to do so could not reasonably be expected to
cause a Material Adverse Change. The execution, delivery and performance of the
Loan Documents have been duly authorized, and do not conflict with Borrower's
formations documents, nor constitute an event of default under any material
agreement by which Borrower is bound. Borrower is not in default under any
agreement to which or by which it is bound in which the default could cause a
Material Adverse Change.

         5.2 COLLATERAL. Borrower has good title to the Collateral, free of
Liens except Permitted Liens. The Eligible Accounts are bona fide, existing
obligations, and the service or property has been performed or delivered to the
account debtor or its agent for immediate shipment to and unconditional
acceptance by the account debtor. Borrower has no notice of any actual or
imminent Insolvency Proceeding of any account debtor whose accounts are an
Eligible Account in any Borrowing Base Certificate. All Inventory is in all
material respects of good and marketable quality, free from material defects.
Borrower is the sole owner of the Intellectual Property, except for
non-exclusive licenses granted to its customers in the ordinary course of
business and the exclusive licenses set forth on SCHEDULE 5.2 attached hereto
and exclusive agreements in the ordinary course of Borrower's business to
distribute Borrower's software products. Each Patent is valid and enforceable
and no part of the Intellectual Property has been judged invalid or
unenforceable, in whole or in part, and no claim has been made that any part of
the Intellectual Property violates the rights of any third party .

         5.3 LITIGATION. Except as shown in the Schedule, there are no actions
or proceedings pending or, to Borrower's knowledge, threatened by or against
Borrower or any Subsidiary in which an adverse decision could cause a Material
Adverse Change.

         5.4 NO MATERIAL ADVERSE CHANGE IN FINANCIAL STATEMENTS. All
consolidated financial statements for Borrower and any Subsidiary delivered to
Bank fairly present in all material respects Borrower's consolidated financial
condition and Borrower's consolidated results of operations. There has not been
any material deterioration in Borrower's consolidated financial condition since
the date of the most recent financial statements submitted to Bank.

         5.5 SOLVENCY. The fair salable value of Borrower's assets (including
goodwill minus disposition costs) exceeds the fair value of its liabilities; the
Borrower is not left with unreasonably small capital after the transaction in
this Agreement; and Borrower is able to pay its debts (including trade debts) as
they mature.

         5.6 REGULATORY COMPLIANCE. Borrower is not an "investment company" or a
company "controlled" by an "investment company" under the Investment Company
Act. Borrower is not engaged as one of its important activities in extending
credit for margin stock (under Regulations T and U of the Federal Reserve Board
of Governors). Borrower has complied IN all material respects with the Federal
Fair Labor Standards Act. Borrower has not



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violated any laws, ordinances or rules, the violation of which could cause a
Material Adverse Change. None of Borrower's or any Subsidiary's properties or
assets has been used by Borrower or any Subsidiary or, to the best of Borrower's
knowledge, by previous Persons, in disposing, producing, storing, treating, or
transporting any hazardous substance other than legally. Borrower and each
Subsidiary has timely filed all required tax returns and paid, or made adequate
provision to pay, all material taxes, except those being contested in good faith
with adequate reserves under GAAP. Borrower and each Subsidiary has obtained all
consents, approvals and authorizations of, made all declarations or filings
with, and given all notices to, all government authorities that are necessary to
continue its business as currently conducted.

         5.7 SUBSIDIARIES. Borrower does not own any stock, partnership interest
or other equity securities except for Permitted Investments and other immaterial
investments, not to exceed Fifty Thousand Dollars ($50,000) in the aggregate.

         5.8 FULL DISCLOSURE. No representation, warranty or other statement of
Borrower in any certificate or written statement given to Bank contains any
untrue statement of a material fact or omits to state a material fact necessary
to make the statements contained in the certificates or statements not
misleading.

6 AFFIRMATIVE COVENANTS

         Borrower will do all of the following:

         6.1 GOVERNMENT COMPLIANCE. Borrower will maintain its and all
Subsidiaries' corporate existence and good standing in its jurisdiction of
incorporation and maintain qualification in each jurisdiction in which the
failure to so qualify could have a material adverse effect on Borrower's
business or operations. Borrower will comply, and have each Subsidiary comply,
with all laws, ordinances and regulations to which it is subject, noncompliance
with which could have a material adverse effect on Borrower's business or
operations or cause a Material Adverse Change.

         6.2 FINANCIAL STATEMENTS, REPORTS, CERTIFICATES.

         Borrower will deliver to Bank: (i) as soon as available, but no later
than thirty (30) days after the last day of each month until the Covenant
Compliance Date, a Borrower prepared consolidated balance sheet and income
statement covering Borrower's consolidated operations during the period, in a
form acceptable to Bank and certified by a Responsible Officer; (ii) as soon as
available, but no later than forty five (45) days after the last day of each
calendar quarter, the Borrower's 10-Q for such period; (iii) as soon as
available, but no later than ninety (90) days after the end of Borrower's fiscal
year, Borrower's 10-K and audited consolidated financial statements prepared
under GAAP, consistently applied, together with an unqualified opinion on the
financial statements from an independent certified public accounting firm
acceptable to Bank; (iv) within five (5) days of filing, copies of all
statements, reports and notices made available to Borrower's security holders or
to any holders of Subordinated Debt and all reports on Form 8K filed with the
Securities and Exchange Commission; (v) a prompt report of any legal actions
pending or threatened against Borrower or any Subsidiary that could result in
damages or costs to Borrower or any Subsidiary of One Hundred Thousand Dollars
($100,000.00) or more; (vi) prompt notice of any material change in the
composition of the Intellectual Property, including any subsequent ownership
right of Borrower in or to any Copyright, Patent or Trademark not shown in any
intellectual property security agreement between Borrower and Bank or knowledge
of an event that materially adversely affects the



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value of the Intellectual Property; and (vii) budgets, sales projections,
operating plans or other financial information Bank requests.

         During any month in which Advances are outstanding under the Committed
Revolving Line, Borrower will, within thirty (30) days after the last day of
each month, deliver to Bank a Borrowing Base Certificate signed by a Responsible
Officer in the form of EXHIBIT C, with aged listings of accounts receivable.

         At the time of the delivery of any financial statements required by
this Section 6.2, Borrower will deliver to Bank, a Compliance Certificate signed
by a Responsible Officer in the form of EXHIBIT D.

         Bank has the right to audit Borrower's Accounts at Borrower's expense,
but the audits will be conducted no more often than once every twelve (12)
months unless an Event of Default has occurred and is continuing.

         6.3 INVENTORY; RETURNS. Borrower will keep all Inventory in good and
marketable condition, free from material defects. Returns and allowances between
Borrower and its account debtors will follow Borrower's customary practices as
they exist at the Closing Date. Borrower must promptly notify Bank of all
returns, recoveries, disputes and claims that involve more than Fifty Thousand
Dollars ($50,000.00).

         6.4 TAXES. Borrower will make, and cause each Subsidiary to make,
timely payment of all material federal, state, and local taxes or assessments
and will deliver to Bank, on demand, appropriate certificates attesting to the
payment.

         6.5 INSURANCE. Borrower will keep its business and the Collateral
insured for risks and in amounts, as are consistent with similar businesses in
the same geographic area as Borrower. Insurance policies will be in a form, with
companies, and in amounts that are satisfactory to Bank. All property policies
will have a lender's loss payable endorsement showing Bank as a loss payee and
all liability policies will show the Bank as an additional insured and provide
that the insurer must give Bank at least twenty (20) days notice before
canceling its policy. At Bank's request, Borrower will deliver certified copies
of policies and evidence of all premium payments. Proceeds payable under any
policy will, at Bank's option, be payable to Bank on account of the Obligations.

         6.6 PRIMARY ACCOUNTS. Borrower will maintain its primary depository
accounts with Bank.

         6.7 FINANCIAL COVENANTS.

         Borrower will maintain as of the last day of each month, unless
otherwise noted:

                  (a) MONTHLY QUICK RATIO. A ratio of Quick Assets to Current
Liabilities, less Deferred Maintenance Revenue, as of the last day of each month
(other than those months which are quarter ends) of at least 1.25 to 1.0 from
the Closing Date until the Covenant Compliance Date.

                  (b) QUARTERLY QUICK RATIO. A ratio of Quick Assets to Current
Liabilities, less Deferred Maintenance Revenue, as of the last day of each
calendar quarter from the Closing Date through the calendar quarter ending March
31, 2001 of not less than 1.50 to 1.0; and



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commencing on June 30, 2001 and as of the last day of each calendar quarter
thereafter of not less than 2.00 to 1.0.

                  (c) PROFITABILITY. Borrower will have as of the last day of
each quarter, a minimum net profit, less any increase in the change in
capitalized software of Borrower for such period, of not less than Two Hundred
Fifty thousand Dollars ($250,000) for each fiscal quarter.

         6.8 REGISTRATION OF INTELLECTUAL PROPERTY RIGHTS. Borrower will
register with the United States Copyright Office (i) its "Cloverleaf" and
"Emerge" software, any additions or improvements thereto which it distributes to
its customers and any other software it has, develops or acquires which is
material to the business of Borrower, including those in EXHIBIT A to the
Intellectual Property Security Agreement, within thirty (30) days of the Closing
Date, and additional software rights developed or acquired, including revisions,
additions or improvements to the software which is material to the business of
Borrower, after the Closing Date before the sale or licensing to any third party
of the software or any product based on or containing any software. Borrower
will promptly notify Bank upon Borrower's filing of any application or
registration of any Intellectual Property rights with the United States Patent
and Trademark Office and Borrower will execute and deliver any and all
instruments and documents as Bank may require to evidence or perfect Bank's
security interest in such application or registration.

         Borrower will: (i) protect, defend and maintain the validity and
enforceability of the Intellectual Property; (ii) promptly advise Bank in
writing of material infringements of the Intellectual Property; and (iii) not
allow any Intellectual Property to be abandoned, forfeited or dedicated to the
public without Bank's written consent.

         6.9 FURTHER ASSURANCES. Borrower will execute any further instruments
and take further action as Bank requests to perfect or continue Bank's security
interest in the Collateral or to effect the purposes of this Agreement.

7 NEGATIVE COVENANTS

         Borrower will not do any of the following:

         7.1 DISPOSITIONS. Convey, sell, lease, transfer or otherwise dispose of
(collectively a "Transfer"), or permit any of its Subsidiaries to Transfer, all
or any part of its business or property, other than a Transfer (i) of Inventory
in the ordinary course of business; (ii) of non-exclusive licenses of
Intellectual Property and similar arrangements for the use of the property of
Borrower or its Subsidiaries including exclusive agreements to distribute
Borrower's software products, in the ordinary course of business; or (iii) of
wornout or obsolete Equipment.

         7.2 CHANGES IN BUSINESS, OWNERSHIP, MANAGEMENT OR BUSINESS LOCATIONS.
Engage in or permit any of its Subsidiaries to engage in any business other than
the businesses currently engaged in by Borrower or have a material change in its
ownership (other than the sale of Borrower's equity securities in a public
offering or to venture capital investors). Borrower will not, without at least
thirty (30) days prior written notice to Bank, relocate its principal executive
office or add any new offices or business locations.

         7.3 MERGERS OR ACQUISITIONS. Merge or consolidate, or permit any of its
Subsidiaries to merge or consolidate, with any other Person, or acquire, or
permit any of its



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Subsidiaries to acquire, all or substantially all of the capital stock or
property of another Person. A Subsidiary may merge or consolidate into another
Subsidiary or into Borrower.

         7.4 INDEBTEDNESS. Create, incur, assume, or be liable for any
Indebtedness, or permit any Subsidiary to do so, other than Permitted
Indebtedness.

         7.5 ENCUMBRANCE. Create, incur, or allow any Lien on any of its
property, or assign or convey any right to receive income, including the sale of
any Accounts, or permit any of its Subsidiaries to do so, except for Permitted
Liens, or permit any Collateral not to be subject to Bank's first priority
security interest granted herein, subject only to Permitted Liens.

         7.6 INVESTMENTS; DISTRIBUTIONS. (i) Directly or indirectly acquire or
own any Person, or make any Investment in any Person, other than Permitted
Investments, or permit any of its Subsidiaries to do so; or (ii) pay any
dividends or make any distribution or payment or redeem, retire or purchase any
capital stock.

         7.7 TRANSACTIONS WITH AFFILIATES. Directly or indirectly enter or
permit any material transaction with any Affiliate, except transactions that are
in the ordinary course of Borrower's business, on terms less favorable to
Borrower than would be obtained in an arm's length transaction with a
non-affiliated Person.

         7.8 SUBORDINATED DEBT. Make or permit any payment on any Subordinated
Debt, except under the terms of the Subordinated Debt, or amend any provision in
any document relating to the Subordinated Debt, without Bank's prior written
consent.

         7.9 COMPLIANCE. Undertake as one of its important activities extending
credit to purchase or carry margin stock, or use the proceeds of any Advance for
that purpose; fail to meet the minimum funding requirements of ERISA, permit a
Reportable Event or Prohibited Transaction, as defined in ERISA, to occur; fail
to comply with the Federal Fair Labor Standards Act or violate any other law or
regulation, if the violation could have a material adverse effect on Borrower's
business or operations or cause a Material Adverse Change, or permit any of its
Subsidiaries to do so.

8 EVENTS OF DEFAULT

         Any one of the following is an Event of Default:

         8.1 PAYMENT DEFAULT. Borrower fails to pay any of the Obligations
within three (3) Business Days of when due;

         8.2 COVENANT DEFAULT. Borrower does not perform any obligation in
Section 6 or violates any covenant in Section 7 or does not perform or observe
any other material term, condition or covenant in this Agreement, any Loan
Documents, or in any agreement between Borrower and Bank and as to any default
under a term, condition or covenant that can be cured, has not cured the default
within ten (10) days after it occurs, or if the default cannot be cured within
ten (10) days or cannot be cured after Borrower's attempts in the ten (10) day
period, and the default may be cured within a reasonable time, then Borrower has
an additional time, (of not more than thirty (30) days) to attempt to cure the
default. During the additional period the failure to cure the default is not an
Event of Default (but no Credit Extensions will be made during the cure period);



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         8.3 MATERIAL ADVERSE CHANGE. A material impairment in the perfection or
priority of Bank's security interest in the Collateral or in the value of such
Collateral other than normal depreciation which is not covered by adequate
insurance occurs; or Bank determines, based upon information available to it and
in its reasonable judgment, that there is a reasonable likelihood that Borrower
will fail to comply with one or more of the financial covenants in Section 6
during the next succeeding financial reporting period;

         8.4 ATTACHMENT. (i) Any material portion of Borrower's assets is
attached, seized, levied on, or comes into possession of a trustee or receiver
and the attachment, seizure or levy is not removed in ten (10) days; (ii)
Borrower is enjoined, restrained, or prevented by court order from conducting a
material part of its business; (iii) a judgment or other claim becomes a Lien on
a material portion of Borrower's assets; or (iv) a notice of lien, levy, or
assessment is filed against any of Borrower's assets by any government agency
and not paid within ten (10) days after Borrower receives notice (but no
Advances will be made during the cure period). These are not Events of Default
if stayed or if a bond is posted pending contest by Borrower;

         8.5 INSOLVENCY. (i) Borrower becomes insolvent; (ii) Borrower begins an
Insolvency Proceeding; or (iii) an Insolvency Proceeding is begun against
Borrower and not dismissed or stayed within thirty (30) days (but no Advances
will be made before any Insolvency Proceeding is dismissed);

         8.6 MISREPRESENTATIONS. If Borrower or any Person acting for Borrower
makes any material misrepresentation or material misstatement now or later in
any warranty or representation in this Agreement or in any communication
delivered to Bank or to induce Bank to enter this Agreement or any Loan
Document.

9 BANK'S RIGHTS AND REMEDIES

         9.1 RIGHTS AND REMEDIES. When an Event of Default occurs and continues
Bank may, without notice or demand, do any or all of the following:

                  (a) Declare all Obligations immediately due and payable (but
if an Event of Default described in Section 8.5 occurs all Obligations are
immediately due and payable without any action by Bank);

                  (b) Stop advancing money or extending credit for Borrower's
benefit under this Agreement or under any other agreement between Borrower and
Bank;

                  (c) Settle or adjust disputes and claims directly with account
debtors for amounts, on terms and in any order that Bank considers advisable;

                  (d) Make any payments and do any acts it considers necessary
or reasonable to protect its security interest in the Collateral. Borrower will
assemble the Collateral if Bank requests and make it available as Bank
designates. Bank may enter premises where the Collateral is located, take and
maintain possession of any part of the Collateral, and pay, purchase, contest,
or compromise any Lien which appears to be prior or superior to its security
interest and pay all expenses incurred. Borrower grants Bank a license to enter
and occupy any of its premises, without charge, to exercise any of Bank's rights
or remedies;

                  (e) Apply to the Obligations any (i) balances and deposits of
Borrower it holds, or (ii) any amount held by Bank owing to or for the credit or
the account of Borrower;



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                  (f) Ship, reclaim, recover, store, finish, maintain, repair,
prepare for sale, advertise for sale, and sell the Collateral according to the
Code. Bank is granted a non-exclusive, royalty-free license or other right to
use, without charge, Borrower's labels, Patents, Copyrights, Mask Works, rights
of use of any name, trade secrets, trade names, Trademarks, service marks, and
advertising matter, or any similar property as it pertains to the Collateral, in
completing production of, advertising for sale, and selling any Collateral and,
in connection with Bank's exercise of its rights under this Section, Borrower's
rights under all licenses and all franchise agreements inure to Bank's benefit;
and

                  (g) Dispose of the Collateral according to the Code.

         9.2 POWER OF ATTORNEY. When an Event of Default occurs and continues,
Borrower irrevocably appoints Bank as its lawful attorney to: (i) endorse
Borrower's name on any checks or other forms of payment or security; (ii) sign
Borrower's name on any invoice or bill of lading for any Account or drafts
against account debtors, (iii) make, settle, and adjust all claims under
Borrower's insurance policies; (iv) settle and adjust disputes and claims about
the Accounts directly with account debtors, for amounts and on terms Bank
determines reasonable; and (v) transfer the Collateral into the name of Bank or
a third party as the Code permits. Bank may exercise the power of attorney to
sign Borrower's name on any documents necessary to perfect or continue the
perfection of any security interest regardless of whether an Event of Default
has occurred. Bank's appointment as Borrower's attorney in fact, and all of
Bank's rights and powers, coupled with an interest, are irrevocable until all
Obligations have been fully repaid and performed and Bank's obligation to
provide Credit Extensions terminates.

         9.3 ACCOUNTS COLLECTION. When an Event of Default occurs and continues,
Bank may notify any Person owing Borrower money of Bank's security interest in
the funds and verify the amount of the Account. Borrower must collect all
payments in trust for Bank and, if requested by Bank, immediately deliver the
payments to Bank in the form received from the account debtor, with proper
endorsements for deposit.

         9.4 BANK EXPENSES. If Borrower fails to pay any amount or furnish any
required proof of payment to third persons Bank may make all or part of the
payment or obtain insurance policies required in Section 6.5, and take any
action under the policies Bank deems prudent. Any amounts paid by Bank are Bank
Expenses and immediately due and payable, bearing interest at the then
applicable rate and secured by the Collateral. No payments by Bank are deemed an
agreement to make similar payments in the future or Bank's waiver of any Event
of Default.

         9.5 BANK'S LIABILITY FOR COLLATERAL. If Bank complies with reasonable
banking practices, it is not liable or responsible for: (a) the safekeeping of
the Collateral; (b) any loss or damage to the Collateral; (c) any diminution in
the value of the Collateral; or (d) any act or default of any carrier,
warehouseman, bailee, or other person. If Bank complies with reasonable banking
practices, Borrower bears all risk of loss, damage or destruction of the
Collateral.

         9.6 REMEDIES CUMULATIVE. Bank's rights and remedies under this
Agreement, the Loan Documents, and all other agreements are cumulative. Bank has
all rights and remedies provided under the Code, by law, or in equity. Bank's
exercise of one right or remedy is not an election, and Bank's waiver of any
Event of Default is not a continuing waiver. Bank's delay is not a waiver,
election, or acquiescence. No waiver is effective unless signed by Bank and then
is only effective for the specific instance and purpose for which it was given.



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         9.7 DEMAND WAIVER. Borrower waives demand, notice of default or
dishonor, notice of payment and nonpayment, notice of any default, nonpayment at
maturity, release, compromise, settlement, extension, or renewal of accounts,
documents, instruments, chattel paper, and guaranties held by Bank on which
Borrower is liable.

10 NOTICES

         All notices or demands by any party to this Agreement or any other
related agreement must be in writing and be personally delivered or sent by an
overnight delivery service, by certified mail, postage prepaid, return receipt
requested, or by telefacsimile at the addresses listed at the beginning of this
Agreement. A party may change its notice address by giving the other party
written notice.

11 CHOICE OF LAW , VENUE AND JURY TRIAL WAIVER

         Georgia law governs the Loan Documents without regard to principles of
conflicts of law. Borrower and Bank each submit to the exclusive jurisdiction of
the State and Federal courts in the State of Georgia provided, however, that if
for any reason the Bank can not avail itself of the courts of the State of
Georgia, the Borrower and Bank each submit to the jurisdiction of the State and
Federal Courts in Santa Clara County, California.

BORROWER AND BANK EACH WAIVE THEIR RIGHT TO A JURY TRIAL OF ANY CLAIM OR CAUSE
OF ACTION ARISING OUT OF OR BASED UPON THIS AGREEMENT, THE LOAN DOCUMENTS OR ANY
CONTEMPLATED TRANSACTION, INCLUDING CONTRACT, TORT, BREACH OF DUTY AND ALL OTHER
CLAIMS. THIS WAIVER IS A MATERIAL INDUCEMENT FOR BOTH PARTIES TO ENTER INTO THIS
AGREEMENT. EACH PARTY HAS REVIEWED THIS WAIVER WITH ITS COUNSEL.

12 GENERAL PROVISIONS

         12.1 SUCCESSORS AND ASSIGNS. This Agreement binds and is for the
benefit of the successors and permitted assigns of each party. Borrower may not
assign this Agreement or any rights or Obligations under it without Bank's prior
written consent which may be granted or withheld in Bank's discretion. Bank has
the right, without the consent of or notice to Borrower, to sell, transfer,
negotiate, or grant participation in all or any part of, or any interest in,
Bank's obligations, rights and benefits under this Agreement, the Loan Documents
or any related agreement, provided Bank does not transfer this Agreement, the
Loan Documents or any related agreement, to a known competitor of Borrower.

         12.2 INDEMNIFICATION. Borrower will indemnify, defend and hold harmless
Bank and its officers, employees and agents against: (a) all obligations,
demands, claims, and liabilities asserted by any other party in connection with
the transactions contemplated by the Loan Documents; and (b) all losses or Bank
Expenses incurred, or paid by Bank from, following, or consequential to
transactions between Bank and Borrower in connection with this Agreement or any
Loan Document (including reasonable attorneys' fees and expenses to the extent
actually incurred), except for losses caused by Bank's gross negligence or
willful misconduct.

         12.3 TIME OF ESSENCE. Time is of the essence for the performance of all
Obligations in this Agreement.



                                       10
<PAGE>   12

         12.4 SEVERABILITY OF PROVISION. Each provision of this Agreement is
severable from every other provision in determining the enforceability of any
provision.

         12.5 AMENDMENTS IN WRITING, INTEGRATION. All amendments to this
Agreement must be in writing signed by both Bank and Borrower. This Agreement
and the Loan Documents represent the entire agreement about this subject matter,
and supersedes prior or contemporaneous negotiations or agreements. All prior or
contemporaneous agreements, understandings, representations, warranties, and
negotiations between the parties about the subject matter of this Agreement and
the Loan Documents merge into this Agreement and the Loan Documents.

         12.6 COUNTERPARTS. This Agreement may be executed in any number of
counterparts and by different parties on separate counterparts, each of which,
when executed and delivered, are an original, and all taken together, are one
Agreement.

         12.7 SURVIVAL. All covenants, representations and warranties made in
this Agreement continue in full force while any Obligations remain outstanding.
The obligations of Borrower in Section 12.2 to indemnify Bank will survive until
all statutes of limitations for actions that may be brought against Bank have
run.

         12.8 CONFIDENTIALITY. In handling any confidential information, Bank
will exercise the same degree of care that it exercises for its own proprietary
information, but disclosure of information may be made: (i) to Bank's
subsidiaries or affiliates in connection with their business with Borrower; (ii)
to prospective transferees or purchasers of any interest in the Loans; (iii) as
required by law, regulation, subpoena, or other order, (iv) as required in
connection with Bank's examination or audit; and (v) as Bank considers
appropriate in exercising remedies under this Agreement. Confidential
information does not include information that either: (a) is in the public
domain or in Bank's possession when disclosed to Bank, or becomes part of the
public domain after disclosure to Bank; or (b) is disclosed to Bank by a third
party, if Bank does not know that the third party is prohibited from disclosing
the information. Bank will use its reasonable best efforts to have any Person to
whom it discloses such proprietary information, to agree to be bound by the
terms of this Section.

         12.9 ATTORNEYS' FEES, COSTS AND EXPENSES. In any action or proceeding
between Borrower and Bank arising out of the Loan Documents, the prevailing
party will be entitled to recover its reasonable attorneys' fees and other costs
and expenses to the extent actually incurred, in addition to any other relief to
which it may be entitled, whether or not a lawsuit is filed.

13 DEFINITIONS

         13.1 DEFINITIONS.

         "ACCOUNTS" are all existing and later arising accounts, contract
rights, and other obligations owed Borrower in connection with its sale or lease
of goods (including licensing software and other technology) or provision of
services, all credit insurance, guaranties, other security and all merchandise
returned or reclaimed by Borrower and Borrower's Books relating to any of the
foregoing.

         "ADVANCE" or "ADVANCES" is a loan advance (or advances) under the
Committed Revolving Line.



                                       11
<PAGE>   13

         "AFFILIATE" of a Person is a Person that owns or controls directly or
indirectly the Person, any Person that controls or is controlled by or is under
common control with the Person, and each of that Person's senior executive
officers, directors, partners and, for any Person that is a limited liability
company, that Person's managers and members.

          "BANK EXPENSES" are all audit fees and expenses and reasonable costs
or expenses (including reasonable attorneys' fees and expenses to the extent
actually incurred) for preparing, negotiating, administering, defending and
enforcing the Loan Documents (including appeals or Insolvency Proceedings).

         "BORROWER'S BOOKS" are all Borrower's books and records including
ledgers, records regarding Borrower's assets or liabilities, the Collateral,
business operations or financial condition and all computer programs or discs or
any equipment containing the information.

         "BORROWING BASE" is (i) seventy five percent (75%) of Eligible
Accounts, as determined by Bank from Borrower's most recent Borrowing Base
Certificate.

         "BORROWING BASE CERTIFICATE" is EXHIBIT C.

         "BUSINESS DAY" is any day that is not a Saturday, Sunday or a day on
which the Bank is closed.

         "CLOSING DATE" is the date of this Agreement.

         "CODE" is the Georgia Uniform Commercial Code.

         "COLLATERAL" is the property described on EXHIBIT A.

         "COMMITTED REVOLVING LINE" is a Credit Extension of up to Seven Million
Dollars ($7,000,000).


         "CONTINGENT OBLIGATION" is, for any Person, any direct or indirect
liability, contingent or not, of that Person for (i) any indebtedness, lease,
dividend, letter of credit or other obligation of another such as an obligation
directly or indirectly guaranteed, endorsed, comade, discounted or sold with
recourse by that Person, or for which that Person is directly or indirectly
liable; (ii) any obligations for undrawn letters of credit for the account of
that Person; and (iii) all obligations from any interest rate, currency or
commodity swap agreement, interest rate cap or collar agreement, or other
agreement or arrangement designed to protect a Person against fluctuation in
interest rates, currency exchange rates or commodity prices; but "Contingent
Obligation" does not include endorsements in the ordinary course of business.
The amount of a Contingent Obligation is the stated or determined amount of the
primary obligation for which the Contingent Obligation is made or, if not
determinable, the maximum reasonably anticipated liability for it determined by
the Person in good faith; but the amount may not exceed the maximum of the
obligations under the guarantee or other support arrangement.

         "COPYRIGHTS" are all copyright rights, applications or registrations
and like protections in each work or authorship or derivative work, whether
published or not (whether or not it is a trade secret) now or later existing,
created, acquired or held.

         "COVENANT COMPLIANCE DATE" means June 30, 2001, if as of such date
Borrower is in compliance with the financial covenants set forth in Section
6.7(b).



                                       12
<PAGE>   14

         "CREDIT EXTENSION" is each Advance or any other extension of credit by
Bank for Borrower's benefit.

         "CURRENT ASSETS" are amounts that under GAAP should be included on that
date as current assets on Borrower's consolidated balance sheet.

         "CURRENT LIABILITIES" are the aggregate amount of Borrower's Total
Liabilities which mature within one (1) year.


         "DEFERRED MAINTENANCE REVENUE" is all amounts received in advance of
performance under maintenance contracts and not yet recognized as revenue.

          "ELIGIBLE ACCOUNTS" are Accounts in the ordinary course of Borrower's
business that meet all Borrower's representations and warranties in Section 5.2;
BUT Bank may change eligibility standards by giving Borrower thirty (30) days
prior written notice. Unless Bank agrees otherwise in writing, Eligible Accounts
will not include:

                  (a) Accounts that the account debtor has not paid within
ninety (90) days of invoice date;

                  (b) Accounts for an account debtor, fifty percent (50%) or
more of whose Accounts have not been paid within ninety (90) days of invoice
date;

                  (c) Credit balances over ninety (90) days from invoice date;

                  (d) Accounts for an account debtor, including Affiliates,
whose total obligations to Borrower exceed twenty-five percent (25%) of all
Accounts, for the amounts that exceed that percentage, unless Bank approves in
writing;

                  (e) Accounts for which the account debtor does not have its
principal place of business in the United States;

                  (f) Accounts for which the account debtor is a federal, state
or local government entity or any department, agency, or instrumentality;

                  (g) Accounts for which Borrower owes the account debtor, but
only up to the amount owed (sometimes called "contra" accounts, accounts
payable, customer deposits or credit accounts);

                  (h) Accounts for demonstration or promotional equipment, or in
which goods are consigned, sales guaranteed, sale or return, sale on approval,
bill and hold, or other terms if account debtor's payment may be conditional;

                  (i) Accounts for which the account debtor is Borrower's
Affiliate, officer, employee, or agent;

                  (j) Accounts in which the account debtor disputes liability or
makes any claim and Bank believes there may be a reasonable basis for dispute
(but only up to the disputed or claimed amount), or if the Account Debtor is
subject to an Insolvency Proceeding, or becomes insolvent, or goes out of
business; and



                                       13
<PAGE>   15

                  (k) Accounts for which Bank reasonably determines collection
to be doubtful.

         "EQUIPMENT" is all present and future machinery, equipment, tenant
improvements, furniture, fixtures, vehicles, tools, parts and attachments in
which Borrower has any interest.

         "ERISA" is the Employment Retirement Income Security Act of 1974, and
its regulations.

         "GAAP" is generally accepted accounting principles.

         "INDEBTEDNESS" is (a) indebtedness for borrowed money or the deferred
price of property or services, such as reimbursement and other obligations for
surety bonds and letters of credit, (b) obligations evidenced by notes, bonds,
debentures or similar instruments, (c) capital lease obligations and (d)
Contingent Obligations.

         "INSOLVENCY PROCEEDING" is any proceeding by or against any Person
under the United States Bankruptcy Code, or any other bankruptcy or insolvency
law, including assignments for the benefit of creditors, compositions,
extensions generally with its creditors, or proceedings seeking reorganization,
arrangement, or other relief.

         "INTELLECTUAL PROPERTY" is:

                  (a) Copyrights, Trademarks and Patents including amendments,
renewals, extensions, and all licenses or other rights to use and all license
fees and royalties from the use;

                  (b) Any trade secrets and any Intellectual Property Rights in
computer software and computer software products now or later existing, created,
acquired or held;

                  (c) All design rights which may be available to Borrower now
or later created, acquired or held;

                  (d) Any claims for damages (past, present or future) for
infringement of any of the rights above, with the right, but not the obligation,
to sue and collect damages for use or infringement of the intellectual property
rights above; and

                  (e) All proceeds and products of the foregoing, including all
insurance, indemnity or warranty payments.

         "INVENTORY" is present and future inventory in which Borrower has any
interest, including merchandise, raw materials, parts, supplies, packing and
shipping materials, work in process and finished products intended for sale or
lease or to be furnished under a contract of service, of every kind and
description now or later owned by or in the custody or possession, actual or
constructive, of Borrower, including inventory temporarily out of its custody or
possession or in transit and including returns on any accounts or other proceeds
(including insurance proceeds) from the sale or disposition of any of the
foregoing and any documents of title.

         "INVESTMENT" is any beneficial ownership of (including stock,
partnership interest or other securities) any Person, or any loan, advance or
capital contribution to any Person.

         "LIEN" is a mortgage, lien, deed of trust, charge, pledge, security
interest or other encumbrance.



                                       14
<PAGE>   16

          "LOAN DOCUMENTS" are, collectively, this Agreement, the Revolving
Promissory Note, any note, or notes or guaranties executed by Borrower, and any
other present or future agreement between Borrower and/or for the benefit of
Bank in connection with this Agreement, all as amended, extended or restated.

         "MATERIAL ADVERSE CHANGE" has been defined in Section 8.3 hereof.

         "OBLIGATIONS" means all debt, principal, interest, Bank Expenses and
other amounts owed to Bank by Borrower pursuant to this Agreement or any other
agreement, whether absolute or contingent, due or to become due, now existing or
hereafter arising, including any interest that accrues after the commencement of
an Insolvency Proceeding and including any debt, liability, or obligation owing
from Borrower to others that Bank may have obtained by assignment or otherwise.

         "PATENTS" are patents, patent applications and like protections,
including improvements, divisions, continuations, renewals, reissues, extensions
and continuations in part of the same.

         "PERMITTED INDEBTEDNESS" is:

                  (a) Borrower's indebtedness to Bank under this Agreement or
the Loan Documents;

                  (b) Indebtedness existing on the Closing Date and shown on the
Schedule;

                  (c) Subordinated Debt;

                  (d) Indebtedness to trade creditors incurred in the ordinary
course of business; and

                  (e) Indebtedness secured by Permitted Liens.

         "PERMITTED INVESTMENTS" are:

                  (a) Investments shown on the Schedule and existing on the
Closing Date; and

                  (b) marketable direct obligations issued or unconditionally
guaranteed by the United States or its agency or any State maturing within one
(1) year from its acquisition, (ii) commercial paper maturing no more than one
(1) year after its creation and having the highest rating from either Standard &
Poor's Corporation or Moody's Investors Service, Inc., (iii) Bank's certificates
of deposit issued maturing no more than one (1) year after issue, and (iv) any
Investments permitted by Borrower's investment policy, as amended from time to
time, provided that such investment policy (and any such amendment thereto) has
been approved by Bank.

         "PERMITTED LIENS" are:

                  (a) Liens existing on the Closing Date and shown on the
Schedule or arising under this Agreement or other Loan Documents;

                  (b) Liens for taxes, fees, assessments or other government
charges or levies, either not delinquent or being contested in good faith and
for which Borrower maintains adequate reserves on its Books, if they have no
priority over any of Bank's security interests;



                                       15
<PAGE>   17

                  (c) Purchase money Liens (i) on Equipment acquired or held by
Borrower or its Subsidiaries incurred for financing the acquisition of the
Equipment, or (ii) existing on equipment when acquired, if the Lien is confined
to the property and improvements and the proceeds of the equipment;

                  (d) Leases or subleases and licenses or sublicenses granted in
the ordinary course of Borrower's business, provided, the leases, subleases,
licenses and sublicenses do not prohibit granting Bank a security interest; and

                  (e) Liens incurred in the extension, renewal or refinancing of
the indebtedness secured by Liens described in (a) through (c), but any
extension, renewal or replacement Lien must be limited to the property
encumbered by the existing Lien and the principal amount of the indebtedness may
not increase.

         "PERSON" is any individual, sole proprietorship, partnership, limited
liability company, joint venture, company, trust, unincorporated organization,
association, corporation, institution, public benefit corporation, firm, joint
stock company, estate, entity or government agency.

         "PRIME RATE" is Bank's most recently announced "prime rate," even if it
is not Bank's lowest rate.

         "QUICK ASSETS" is, on any date, the Borrower's consolidated,
unrestricted cash, cash equivalents, net trade accounts receivable and
investments with maturities of less than twelve (12) months determined according
to GAAP.

         "RESPONSIBLE OFFICER" is each of the Chief Executive Officer, the
President, the Chief Financial Officer and the Controller of Borrower.

         "REVOLVING MATURITY DATE" is December 19, 2001.

         "REVOLVING PROMISSORY NOTE" means that certain Revolving Promissory
Note of even date herewith in the maximum principal amount of Seven Million
Dollars ($7,000,000) from Borrower in favor of Bank, together with all renewals,
amendments, modifications and substitutions, therefor.

         "SCHEDULE" is any attached schedule of exceptions.

         "SUBORDINATED DEBT" is debt incurred by Borrower subordinated to
Borrower's indebtedness owed to Bank and which is reflected in a written
agreement in a manner and form acceptable to Bank and approved by Bank in
writing.

         "SUBSIDIARY" is for any Person, joint venture, or any other business
entity of which more than fifty percent (50%) of the voting stock or other
equity interests is owned or controlled, directly or indirectly, by the Person
or one or more Affiliates of the Person.

         "TOTAL LIABILITIES" is on any day, obligations that should, under GAAP,
be classified as liabilities on Borrower's consolidated balance sheet, including
all Indebtedness, and current portion Subordinated Debt allowed to be paid, but
excluding all other Subordinated Debt.



                                       16
<PAGE>   18

         "TRADEMARKS" are trademark and service mark rights, registered or not,
applications to register and registrations and like protections, and the entire
goodwill of the business of Borrower connected with the trademarks.

                     [SIGNATURES ARE ON THE FOLLOWING PAGE]







                                       17
<PAGE>   19

BORROWER:

HEALTHCARE.COM CORPORATION

By:_________________________________
    Name:
    Title:




BANK:

SILICON VALLEY BANK

By:_________________________________
    Name:
    Title:











                                       18
<PAGE>   20

                                    EXHIBIT A

                            DESCRIPTION OF COLLATERAL

         The Collateral consists of all of Borrower's right, title and interest
in and to the following:

         All goods and equipment now owned or hereafter acquired, including,
without limitation, all machinery, fixtures, vehicles (including motor vehicles
and trailers), and any interest in any of the foregoing, and all attachments,
accessories, accessions, replacements, substitutions, additions, and
improvements to any of the foregoing, wherever located;

         All inventory, now owned or hereafter acquired, including, without
limitation, all merchandise, raw materials, parts, supplies, packing and
shipping materials, work in process and finished products including such
inventory as is temporarily out of Borrower's custody or possession or in
transit and including any returns upon any accounts or other proceeds, including
insurance proceeds, resulting from the sale or disposition of any of the
foregoing and any documents of title representing any of the above;

         All contract rights and general intangibles now owned or hereafter
acquired, including, without limitation, goodwill, trademarks, servicemarks,
trade styles, trade names, patents, patent applications, leases, license
agreements, franchise agreements, blueprints, drawings, purchase orders,
customer lists, route lists, infringements, claims, computer programs, computer
discs, computer tapes, literature, reports, catalogs, design rights, income tax
refunds, payments of insurance and rights to payment of any kind;

         All now existing and hereafter arising accounts, contract rights,
royalties, license rights and all other forms of obligations owing to Borrower
arising out of the sale or lease of goods, the licensing of technology or the
rendering of services by Borrower, whether or not earned by performance, and any
and all credit insurance, guaranties, and other security therefor, as well as
all merchandise returned to or reclaimed by Borrower;

         All documents, cash, deposit accounts, securities, securities
entitlements, securities accounts, investment property, financial assets,
letters of credit, certificates of deposit, instruments and chattel paper now
owned or hereafter acquired and Borrower's Books relating to the foregoing;

         All copyright rights, copyright applications, copyright registrations
and like protections in each work of authorship and derivative work thereof,
whether published or unpublished, now owned or hereafter acquired; all trade
secret rights, including all rights to unpatented inventions, knowhow, operating
manuals, license rights and agreements and confidential information, now owned
or hereafter acquired; all mask work or similar rights available for the
protection of semiconductor chips, now owned or hereafter acquired; all claims
for damages by way of any past, present and future infringement of any of the
foregoing; and

         All Borrower's Books relating to the foregoing and any and all claims,
rights and interests in any of the above and all substitutions for, additions
and accessions to and proceeds thereof.



<PAGE>   21



                                    EXHIBIT B

                   LOAN PAYMENT/ADVANCE TELEPHONE REQUEST FORM

              DEADLINE FOR SAME DAY PROCESSING IS 3:00 P.M., E.S.T.

TO: CENTRAL CLIENT SERVICE DIVISION                    DATE:
                                                             -------------------
FAX#: (404) 495-4500                                   TIME:
                                                             -------------------

--------------------------------------------------------------------------------
FROM:

                                          --------------------------------------
                                          CLIENT NAME (BORROWER)

REQUESTED BY:
                                          --------------------------------------
                                          AUTHORIZED SIGNER'S NAME

AUTHORIZED SIGNATURE:
                     --------------------------------------

PHONE NUMBER:
                     --------------------------------------

FROM ACCOUNT #                                 TO ACCOUNT #
               -------------------------                    --------------------

REQUESTED TRANSACTION TYPE                     REQUEST DOLLAR AMOUNT

PRINCIPAL INCREASE (ADVANCE)                   $
                                               ---------------------------------
PRINCIPAL PAYMENT (ONLY)                       $
                                               ---------------------------------
INTEREST PAYMENT (ONLY)                        $
                                               ---------------------------------
PRINCIPAL AND INTEREST (PAYMENT)               $
                                               ---------------------------------

OTHER INSTRUCTIONS:

All Borrower's representations and warranties in the Loan and Security Agreement
are true, correct and complete in all material respects on the date of the
telephone request for and Advance confirmed by this Borrowing Certificate; but
those representations and warranties expressly referring to another date shall
be true, correct and complete in all material respects as of that date.

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

--------------------------------------------------------------------------------
BANK USE ONLY
TELEPHONE REQUEST:
-----------------
The following person is authorized to request the loan payment transfer/loan
advance on the advance designated account and is known to me.

-----------------------------------------    -----------------------------------
Authorized Requester                         Phone #


-----------------------------------------    -----------------------------------
Received By (Bank)                           Phone #


--------------------------------------------------------------------------------
Authorized Signature (Bank)
--------------------------------------------------------------------------------



<PAGE>   22



                                    EXHIBIT C

                           BORROWING BASE CERTIFICATE

<TABLE>
<CAPTION>

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

<S>                <C>                                           <C>          <C>
Borrower:          Healthcare.com Corporation                    Lender:      Silicon Valley Bank
                   -------------------------------
Commitment Amount:                $   7,000,000
                                      ----------------------------------

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

ACCOUNTS RECEIVABLE
      1.        Accounts Receivable Book Value as of                            $
                                                                                  ---------------
      2.        Additions (please explain on reverse)                           $
                                                                                  ---------------
      3.        TOTAL ACCOUNTS RECEIVABLE                                       $
                                                                                  ---------------

ACCOUNTS RECEIVABLE DEDUCTIONS (without duplication)
      4.        Amounts over 90 days due                                        $
                                                                                  ---------------
      5.        Balance of 50% over 90 day accounts                             $
                                                                                  ---------------
      6.        Credit balances over 90 days                                    $
                                                                                  ---------------
      7.        Concentration Limits                                            $
                                                                                  ---------------
      8.        Foreign Accounts                                                $
                                                                                  ---------------
      9.        Governmental Accounts                                           $
                                                                                  ---------------
      10.       Contra Accounts                                                 $
                                                                                  ---------------
      11.       Promotion or Demo Accounts                                      $
                                                                                  ---------------
      12.       Intercompany/Employee Accounts                                  $
                                                                                  ---------------
      13.       Other (please explain on reverse)                               $
                                                                                  ---------------
      14.       TOTAL ACCOUNTS RECEIVABLE DEDUCTIONS                            $
                                                                                  ---------------
      15.       Eligible Accounts (#3 minus #14)                                $
                                                                                  ---------------
      16.       LOAN VALUE OF ACCOUNTS ( ____% of #15)                          $
                                                                                  ---------------
BALANCES

      17.       Maximum Loan Amount                                             $  7,000,000
                                                                                  ---------------
      18.       Total Funds Available [Lesser of #16 or #15]                    $
                                                                                  ---------------
      19.       Present balance owing on Line of Credit                         $
                                                                                  ---------------
      20.       Outstanding under Sublimits                                     $  N/A
                                                                                  ---------------
      21.       RESERVE POSITION (#17 minus #18 and #19)                        $
                                                                                  ---------------

</TABLE>

THE UNDERSIGNED REPRESENTS AND WARRANTS THAT THIS IS TRUE, COMPLETE AND CORRECT,
AND THAT THE INFORMATION IN THIS BORROWING BASE CERTIFICATE COMPLIES WITH THE
REPRESENTATIONS AND WARRANTIES IN THE LOAN AND SECURITY AGREEMENT BETWEEN THE
UNDERSIGNED AND SILICON VALLEY BANK.

                                               ---------------------------------
COMMENTS:
                                               ---------------------------------

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

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

                                               ---------------------------------
By:
    -------------------------------------      ---------------------------------
          Authorized Signer

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






<PAGE>   23



                                    EXHIBIT D

                             COMPLIANCE CERTIFICATE

TO: SILICON VALLEY BANK

FROM: Healthcare.Com Corporation

         The undersigned authorized officer of Healthcare.Com Corporation
certifies that under the terms and conditions of the Loan and Security Agreement
between Borrower and Bank (the "Agreement"), (i) Borrower is in complete
compliance for the period ending _______________ with all required covenants
except as noted below and (ii) all representations and warranties in the
Agreement are true and correct in all material respects on this date. Attached
are the required documents supporting the certification. The Officer certifies
that these are prepared in accordance with Generally Accepted Accounting
Principles (GAAP) consistently applied from one period to the next except as
explained in an accompanying letter or footnotes. The Officer acknowledges that
no borrowings may be requested at any time or date of determination that
Borrower is not in compliance with any of the terms of the Agreement, and that
compliance is determined not just at the date this certificate is delivered.

      PLEASE INDICATE COMPLIANCE STATUS BY CIRCLING YES/NO UNDER "COMPLIES"
COLUMN.

<TABLE>
<CAPTION>

        Reporting Covenant                                      Required                           Complies
        ------------------                                      --------                           --------

        <S>                                                     <C>                                <C>     <C>
        Monthly  financial  statements  prior  to  Covenant     Monthly within 30 days             Yes     No
        Compliance Date
        Quarterly 10Q                                           Quarterly within 45 days           Yes     No
        Annual  10K                                             FYE within 90 days                 Yes     No
        A/R Agings                                              Monthly  within  30 days  when     Yes     No
                                                                borrowing
</TABLE>


<TABLE>
<CAPTION>

        Financial Covenant                                      Required        Actual             Complies
        ------------------                                      --------        ------             --------
        <S>                                                       <C>          <C>                <C>    <C>
        Maintain:
            On a Monthly Basis Minimum Quick Ratio                1.25:1.0      _____:1.0          Yes     No
            On a Quarterly Basis Minimum Quick Ratio:
              3/31/01                                                                                      No
              6/30/01                                             1.50:1.0      _____:1.0          Yes     No
                                                                  2.00:1.0      _____:1.0          Yes

        Profitability:      Quarterly                        $250,000           $_______           Yes     No

</TABLE>



                                       2
<PAGE>   24

<TABLE>
<CAPTION>
<S>                                               <C>
                                                  ------------------------------------------------------
COMMENTS REGARDING EXCEPTIONS: See Attached.      BANK USE ONLY

Sincerely,                                        Received by:
                                                               AUTHORIZED SIGNER
SIGNATURE                                         Date:

TITLE                                             Verified
                                                               AUTHORIZED SIGNER

DATE                                              Date:

                                                  Compliance Status:            Yes        No
                                                  ----------------------------- ---------- -------------
</TABLE>