<PAGE>   1

                                                                     EXHIBIT 4.5

THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT PURPOSES ONLY AND MAY NOT BE
TRANSFERRED UNTIL (i) A REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933,
AS AMENDED (THE "ACT") SHALL HAVE BECOME EFFECTIVE WITH RESPECT THERETO OR (ii)
RECEIPT BY THE ISSUER OF AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO THE
ISSUER TO THE EFFECT THAT REGISTRATION UNDER THE ACT IS NOT REQUIRED IN
CONNECTION WITH SUCH PROPOSED TRANSFER AND THAT SUCH TRANSFER IS NOT IN
VIOLATION OF ANY APPLICABLE STATE SECURITIES LAWS. THIS LEGEND SHALL BE ENDORSED
UPON ANY NOTE ISSUED IN EXCHANGE FOR THIS NOTE.

November 5, 1999                                                  $2,000,000.00
Atlanta, Georgia

                           CONVERTIBLE PROMISSORY NOTE

         FOR VALUE RECEIVED, WT Technologies, Inc. ("Borrower") unconditionally
promises to pay to the order of Hogg Robinson International Benefits Limited
("Hogg") two years from the date of this Convertible Promissory Note (the "Due
Date") (unless and only to the extent that this Note shall have been sooner paid
off or converted as herein provided), without setoff, at Abbey House 282
Farnborough Road, Farnborough Hampshire GU14 7NJ, c/o the Chief Executive
Officer of Hogg Robinson PLC, or at such other place as may be designated by
Hogg in writing, the principal amount of Two Million and No/100 Dollars
($2,000,000.00), together with interest computed daily on the outstanding
principal balance hereunder, at an annualized interest rate equal to the yield
of U.S. Treasury Notes (2 year) as published in the Wall Street Journal on the
date of issuance of this Convertible Promissory Note (the "Note").

         1.       FEES AND CHARGES. Notwithstanding any other provision
contained in this Note, Hogg does not intend to charge and Borrower shall not be
required to pay any amount of interest or other fees or charges that are in
excess of the maximum permitted by applicable law. Any payment in excess of such
maximum shall be refunded to Borrower or credited against principal, at the
option of Hogg.

         2.       CONVERSION.

                  (a) Hogg shall have the right on the Due Date to convert all
of the outstanding balance, principal or interest, of this Note (the
"Conversion") into such number of fully paid and nonassessable shares of common
voting stock of Borrower (the "Common Stock") as shall be provided for herein.
Notwithstanding the foregoing, all of the outstanding balance, principal and
interest, of this Note shall convert automatically into Common Stock (an
"Automatic Conversion") (i) immediately prior to an underwritten initial public
offering of Common Stock which is required to be registered under the Act; or
(ii) immediately upon the conversion by BCD Technology, SA ("BCD") of all of the
outstanding balance, principal and interest, of the Convertible Promissory Note
from Borrower to BCD of even date herewith (the "BCD Note"), into Common Stock.

<PAGE>   2

                  (b) Hogg may exercise the Conversion right provided in this
Section 2 by giving written notice (the "Conversion Notice") to Borrower at
least thirty (30) days prior to the Due Date of the exercise of such right
stating the dollar amount of the outstanding balance of the Note, the name or
names in which the stock certificate or stock certificates for the shares of
Common Stock are to be issued, and the address or addressees to which such stock
certificates shall be delivered. In the event of an Automatic Conversion,
Borrower shall give written notice to Hogg of the Automatic Conversion stating
the basis of the Automatic Conversion and the outstanding balance of the Note.
Upon receipt of such notice from Borrower, Hogg shall send a Conversion Notice
to Borrower stating the name or names in which the stock certificate or stock
certificates for the shares of Common Stock are to be issued, and the address or
addressees to which such stock certificates shall be delivered.

                  (c) The number of shares of Common Stock that shall be
issuable upon any Conversion or Automatic Conversion shall equal the amount of
the outstanding balance of the Note as of the date of the Conversion Notice
divided by the per share value of Common Stock based upon a One Hundred Ten
Million Dollars ($110,000,000.00) valuation (the "Conversion Ratio").

                  (d) Borrower shall issue and deliver by hand against a signed
receipt therefor, to the address designated by Hogg in the Conversion Notice, a
stock certificate, or stock certificates of the Borrower representing the number
of shares of Common Stock to which Hogg is entitled pursuant hereto, (i) in the
event of a Conversion, within the latter of ten (10) business days after the
Conversion Ratio is determined or the Due Date; or (ii) in the event of an
Automatic Conversion, within ten (10) business days after the Conversion Ratio
is determined. Conversion shall be deemed to have been effected on the date of
delivery.

                  (e) In case issued and outstanding shares of Common Stock
shall be subdivided or split up into a greater number of shares of the Common
Stock, the Conversion Ratio shall be proportionately increased, and in case
issued and outstanding shares of Common Stock shall be combined into a smaller
number of shares of the Common Stock, the Conversion Ratio shall be
proportionately decreased.

                  (f) In case of any capital reorganization, any
reclassification of the stock of Borrower (other than as a result of a stock
dividend or subdivision, split up or combination of shares), or any share
exchange by or the consolidation or merger of Borrower with or into another
person or entity (other than a share exchange or merger in which Borrower is the
acquiring or surviving corporation and which does not result in any change in
control of Borrower or change in the Common Stock) or of the sale, exchange,
lease, transfer or other disposition of all or substantially all of the
properties and assets of Borrower as an entirety or the participation by
Borrower in share exchange as the corporation the stock of which is to be
acquired, this Note shall (effective on the opening of business on the date
after the effective date of such reorganization, reclassification,
consolidation, merger, sale or exchange, lease, transfer or other disposition or
share exchange) be convertible into the kind and number of shares of stock or
other securities or property of Borrower or of the corporation resulting from
such consolidation or surviving such merger or to which such


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properties and assets shall have been sold, exchanged, leased, transferred or
otherwise disposed or which was the corporation whose securities were exchanged
for those of Borrower, to which the holder of the number of shares on Common
Stock deliverable upon conversion of this Note would have been entitled upon
such reorganization, reclassification, consolidation, merger, sale, exchange,
lease, transfer or other disposition or share exchange.

                  (g) In the event Borrower shall take any action of the types
described in Sections 2(f) or (g) hereof, Borrower shall promptly give notice to
Hogg, which notice shall specify the record date, if any, with respect to any
such action. Such notice shall also set forth such facts with respect thereto as
shall be reasonably necessary to indicate the effect of such action (to the
extent such effect may be known at the date of such notice) on the Conversion
Ratio and the number, kind or class of shares or other securities or property
which shall be deliverable or purchasable upon the occurrence of such action or
deliverable upon conversion of this Note. Failure to give notice in accordance
with this Section 2(h) shall not render such action ultra vires, illegal or
invalid.

         3.       PAYMENT SCHEDULE. All payments received hereunder shall be
applied first to the payment of any expense or charges payable hereunder, then
to interest due and payable, with the balance being applied to principal, or in
such other order as Hogg shall determine at its option. All outstanding
principal and interest then due and not previously paid shall be paid in full in
a single payment on the Due Date.

         4.       WAIVERS, CONSENTS, AND COVENANTS. Except as otherwise
specifically provided in this Note, Borrower: (a) waives presentment, demand,
notice of demand, notice of intent to accelerate, and notice of acceleration or
maturity, protest, notice of protest, notice of nonpayment, notice of dishonor,
and any other notice required to be given under the laws to Borrower, in
connection with the delivery, acceptance, performance, default, or enforcement
of this Note; (b) consents to any and all delays, extensions, renewals, or other
modifications of this Note or waivers of any terms hereof or thereof, or release
or discharge by Hogg of Borrower, or the failure to act on the part of Hogg, or
any indulgence shown by Hogg, from time to time, and in one or more instances
(without notice to or further assent of Borrower), and agree that no such
action, failure to act, or failure to exercise any right or remedy on the part
of Hogg shall in any way effect or impair the obligations of Borrower or be
construed as a waiver by Hogg of, or otherwise effect, any of Hogg's rights
under this Note; and (c) agrees to pay, on demand, all costs and expenses of
collection of this Note, including, without limitation, reasonable attorney's
fees, including fees related to any trial, mediation, arbitration, Bankruptcy,
appeal, or other proceeding in an amount not to exceed fifteen percent (15%) of
the principal amount of this Note.

         5.       PREPAYMENTS.

                  (a) Prepayments may be made in whole or in part at any time.
All prepayments of principal shall be applied in the inverse order of maturity,
or in such order as Hogg shall determine in its sole discretion.


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                  (b) In the event prepayment is made in whole or in part of the
BCD Note ("BCD Prepayment"), the amount of prepayment of this Note must be made
such that the ratio of the outstanding balance of this Note divided by the
prepayment amount is equal to the ratio of the outstanding balance of the BCD
Note divided by the BCD Prepayment.

         6.       EVENTS OF DEFAULT. The following are events of default
hereunder: (a) the failure to pay or perform any obligation, liability, or
indebtedness of Borrower to Hogg, or to any affiliate of Hogg, under this Note
within ten (10) days of demand therefor (whether upon demand, at maturity, or by
acceleration, but following the expiration of any application notice or cure
period); provided, however, that no such demand shall be required in connection
with the principal payment to be made by Borrower on the Due Date; (b) except as
otherwise provided in item (a) above, the failure to pay or perform any other
obligation, liability, or indebtedness of Borrower, whether to Hogg or some
other party, the security for which constitutes an encumbrance on this Note,
within ten (10) days of demand therefor; (c) a proceeding being filed or
commenced against Borrower for dissolution or liquidation (and if such
proceeding is involuntarily filed, such proceeding remains undismissed for sixty
(60) days), or Borrower voluntarily or involuntarily terminating or dissolving
or being terminated or dissolved; (d) insolvency of, business failure of, the
appointment of a custodian, trustee, liquidator, or receiver for any of the
property of, or an assignment for the benefit of creditors by, or the filing of
a petition under Bankruptcy (and if such petition for an involuntary Bankruptcy,
such petition remains undismissed for sixty (60) days), insolvency, or debtor's
relief law or for any adjustment of indebtedness, composition, or extension by
or against Borrower.

         7.       REMEDIES UPON DEFAULT. Whenever there is a default under this
Note: (a) the entire balance outstanding and all other obligations of Borrower
to Hogg, however acquired, shall, at the option of Hogg, become immediately due
and payable; and/or (b) to the extent permitted by law, the rate of interest on
the unpaid principal shall, at the option of Hogg, be increased at Hogg's
discretion up to the maximum rate allowed by law, or if none, fifteen percent
(15%) per annum (the "Default Rate"); and/or (c) to the extent permitted by law,
a delinquency charge may be imposed in an amount not to exceed five percent (5%)
of any payment in default for more than fifteen (15) days. The provision herein
for a Default Rate or a delinquency charge shall not be deemed to extend the
time for any payment hereunder or to constitute a "grace period" giving Borrower
a right to cure any default. At Hogg's option, to the extent permitted by law,
any accrued and unpaid interest, fees, or charges may, for purposes of computing
and accruing interest on a daily basis after the due date of the Note or any
installment thereof, be deemed to be a part of the principal balance, and
interest shall accrue on a daily compounded basis after, such date at the rate
provided in this Note until the entire outstanding balance of principal and
interest is paid in full.

         8.       NON-WAIVER. The failure at any time of Hogg to execute any of
its options or any other rights hereunder shall not constitute a waiver thereof,
nor shall it be a bar to the exercise of any of its options or rights at a later
date. All rights and remedies of Hogg shall be cumulative and may be pursued
singly, successively, or together, at the option of Hogg. The acceptance by Hogg
of any partial payment shall not constitute a waiver of any default or any of
Hogg's rights under this Note. No waiver of its rights hereunder, and no
modification or amendment of this Note, shall be deemed


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<PAGE>   5

to be made by Hogg unless the same shall be in writing, duly signed on behalf of
Hogg; and each such waiver, if any, shall apply only with respect to the
specific instance involved, and shall in no way impair the rights of Hogg or the
obligations of Borrower to Hogg in any other respect at any other time.

         9.       APPLICABLE LAW. This Note is delivered in and shall be
construed under the internal laws and judicial decisions of the State of Georgia
and the laws of the United States as the same may be applicable.

         10.      PARTIAL INVALIDITY. The unenforceability or invalidity of any
provision of this Note shall not affect the enforceability or validity of any
other provision herein.

         11.      RESERVATION OF RIGHTS. Nothing in this Note shall be deemed to
(i) limit the applicability of any otherwise applicable statutes of limitation
or repose and any waivers contained in this Note; or (ii) limit the right of
Hogg to (a) exercise self-help remedies such as (but not limited to) setoff, or
(b) obtain from a court provisional or ancillary remedies such as (but not
limited to) injunctive relief, writ of possession or the appointment of a
receiver.

         12.      BINDING EFFECT. This Note shall be binding upon and inure to
the benefit of Borrower and Hogg and their respective successors, assigns, heirs
and personal representatives, provided, however, that no obligations of Borrower
hereunder can be assigned without prior written consent of Hogg.

         13.      ENTIRE AGREEMENT. This Note represents the final agreement
between the parties with regard to the transactions described herein and may not
be contradicted by evidence of prior, contemporaneous, or subsequent oral
agreements of the parties. There are no unwritten or oral agreements between the
parties.


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                                      This 5th day of November, 1999.

                                      BORROWER:

                                      WT TECHNOLOGIES, INC.

                                      /s/ Ralph Manaker
                                      -----------------------------------

                                      By: Ralph Manaker

                                      Its: Vice President

                                                            [SEAL]


AGREED TO AND ACCEPTED BY:

HOGG ROBINSON INTERNATIONAL BENEFITS LIMITED

/s/ David Radcliffe
----------------------------

By: David Radcliffe
   -------------------------

Its: Director
    ------------------------


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