EXHIBIT 10.18







LOAN AND SECURITY AGREEMENT

HEARME

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This LOAN AND SECURITY AGREEMENT(this  Agreement ) dated May 2, 2000, between SILICON VALLEY BANK ( Bank ) located at 3003 Tasman Drive, Santa Clara, CA 95054 and HEARME (
Borrower ), located at 685 Clyde Avenue, Mountain View, CA  95054, 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    Credit Extensions.  Borrower will pay Bank the unpaid principal amount of all Credit Extensions and interest on the unpaid principal amount of the Credit Extensions.

2.1.1Equipment Advances.

(a)         
Through September 30, 2000 (the  Equipment Availability End Date ), Bank will make advances ( Equipment Advance  and, collectively,  Equipment Advances ) not exceeding the Committed Equipment Line. The Equipment Advances may only be used to purchase or
refinance Equipment purchased on or after 120 days before the Closing Date and may not exceed 100% of the invoice for such Equipment, excluding taxes, shipping, warranty charges, freight discounts and installation expense.  Software, leasehold
improvements and other soft costs may constitute up to 20% of an Equipment Advance.

(b)         
Interest accrues from the date of each Equipment Advance at the rate of 1% plus the Prime Rate per annum and is payable monthly until the Equipment Availability End Date occurs. Equipment Advances outstanding on the Equipment Availability End Date are
payable in 36 equal monthly installments of principal, plus accrued interest, beginning on October 7, 2000 and ending on September 7, 2003 the ( Equipment Loan Maturity Date ).  Equipment Advances when repaid may not be
reborowed.

(c)         
To obtain an Equipment Advance, Borrower must notify Bank (the notice is irrevocable) by facsimile no later than 3:00 p.m. Pacific time 1 Business Day before the day on which the Equipment Advance is to be made.  The notice in the form of Exhibit B
(Payment/Advance Form) must be signed by a Responsible Officer or designee and include a copy of the invoice for the Equipment being financed.

2.2Interest Rate; Payments.

(a)         
Interest Rate. Advances accrue interest on the outstanding principal balance at a per annum rate equal to 0.25 percentage points above the Prime Rate.After an Event of Default arising out of Borrower s
failure to comply with any of Sections 6.7, 7, or 8.1, Obligations accrue interest at 5 percent above the rate 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.  Interest is payable on the second day of each month.  Bank may debit any of Borrower s deposit accounts including Account Number__________for principal and interest payments or any amounts
Borrower owes Bank. Bank will notify Borrower when it debits Borrower s accounts.  These debits are not a set-off.  Payments received after 12:00 noon Pacific 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.

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2.3Fees.  Borrower will pay to Bank:

(a)         
Facility Fee.  A fully earned, non-refundable facility fee of $12,000, of which $6,000 is due on the Closing Date, and $6,000 is due on October 31, 2000; and

(b)         
Bank Expenses.  All Bank Expenses (including reasonable attorneys  fees and expenses for documentation and negotiation of this Agreement) incurred through and after the Closing Date when due, not to exceed $10,000.

3.     CONDITIONS OF LOANS

3.1  Conditions Precedent to Initial Credit Extension.  Bank's obligation to make the initial Credit Extension is subject to the condition precedent that it receive the
agreements, documents and fees it requires.

3.2Conditions Precedent to all Credit Extensions.  Bank's obligations to make each Credit Extension,including the
initial Credit Extension, 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 Credit Extension and no Event of Default shall have occurred and be continuing, or result from the Credit
Extension. Each Credit Extension is Borrower s representation and warranty on that date that the representations and warranties in Section 5 remain true.

4.     CREATION OF SECURITY INTEREST

4.1Grant 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 and for any effect resulting from Bank s agreement that it will not require a security interest in Borrower s Intellectual Property, any security interest
will be a first priority security interest in the Collateral.  Bank may place a  hold  on any deposit 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:

5.1Due 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.  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 reasonably be
expected to cause a Material Adverse Change.

5.2    Collateral.  Borrower has good title to the Collateral, free of Liens except Permitted Liens.  The 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.  All Inventory is in all material respects of good and marketable quality, free from material defects.  Borrower is the
sole owner or licensee of the Intellectual Property used in Borrower s business, except for non-exclusive licenses granted to its customers in the ordinary course of business.  As of the Closing Date, 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.

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5.3Litigation.  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 reasonably be expected to 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 transactions 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
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 material required tax returns and paid, or made adequate provision to pay, all
material taxes, e




xcept those being contested in good faith with adequate reserves under GAAP.  To the best of Borrower s knowledge, 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 except where the failure to do so could not reasonably be expected to cause a Material Adverse Change.

5.7     Subsidiaries.  Borrower does not own any stock, partnership interest or other equity securities except for Permitted Investments.

5.8     Full Disclosure.  No representation, warranty or other statement of Borrower in any certificate or written statement given to Bank taken together with all such certificates and
written statements 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 (it being recognized by Bank that the
projections and forecasts provided by Borrower in good faith and based upon reasonable assumptions are not to be viewed as facts and that actual results during the period or periods covered by any such projections and forecasts may differ from the
projected or forecasted results).

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.

(a)         
Borrower will deliver to Bank:  (i) as soon as available, but no later than 45 days after the last day of each fiscal quarter (and the last day of each month at any time that Borrower s balance of unrestricted cash is less than $25,000,000), a company
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;

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(ii) as soon as available, but no later than 90 days after the end of Borrower s fiscal year, 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; (iii) within 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 10-K, 10-Q and 8-K filed with the Securities and Exchange Commission; (iv) 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
$100,000 or more; (v) prompt notice of any material change in the composition of the Intellectual Property or knowledge of an event that materially adversely affects the value of the Intellectual Property; and (vi) budgets, sales projections, operating
plans or other




 financial information Bank requests.

(b)         
Within 45 days after the last day of each quarter (and the last day of each month at any time that Borrower s balance of unrestricted cash is less than $25,000,000), Borrower will deliver to Bank with the financial statements due under Section 6.2(a) a
Compliance Certificate signed by a Responsible Officer in the form of Exhibit D.

(c)          
As a condition to making any Advances, Bank has the right to audit Borrower s Accounts at Borrower s expense.  Thereafter,  Bank may conduct audits at Borrower s expense, but not more often than once every 12 months unless an Event of Default has
occurred and is continuing.

6.3Inventory; 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 $150,000.

6.4Taxes.  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.

6.5Insurance.  Borrower will keep its business and the Collateral insured for risks and in amounts, as Bank requests.  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 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.  If no Event of Default has occurred and is continuing, proceeds payable under any casualty policy will, at Borrower s option, be payable to Borrower to replace the property subject to the claim, provided that any such
replaceme




nt property shall be deemed Collateral in which Bank has been granted a first priority security interest.  If an Event of Default has occurred and is continuing, then, at Bank s option, proceeds payable under any policy will be payable to Bank on account
of the Obligations.

6.6Primary Accounts.  Borrower will maintain its primary depository and operating accounts with Bank.

6.7Financial Covenants.

Borrower will maintain as of the last day of each fiscal quarter (or, as to the Quick Ratio, the last day of each month in which the balance of Borrower s unrestricted cash is less than $25,000,000)
the following financial ratios and covenants:

(a)Quick Ratio [Adjusted].  A ratio of Quick Assets to Current Liabilities (including all amounts owed to Bank, to the extent not already included as a Current Liability) minus Deferred Maintenance Revenue of
at least 1.75 to 1.0.

(b)         
Revenue.  The revenue in each quarter shall exceed the revenue in each previous fiscal quarter, except the revenue may decline from the fourth quarter of 2000 to the first quarter of 2001.

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(c)Profitability.  Borrower will not suffer a loss in excess of $12,500,000 for the fiscal quarter ending June 30, 2000, a loss in excess of $12,000,000 for the fiscal quarter ending September 30, 2000, a loss
in excess of $11,500,000 for the fiscal quarter ending December 31, 2000, or a loss in excess of $11,000,000 for the fiscal quarter ending March 31, 2001.  Profitability and loss covenants for subsequent quarters (i.e. quarters ending June 30, 2001
through March 31, 2002) shall be established to the mutual satisfaction of Bank and Borrower by April 30, 2001, provided that if no such agreement is reached in good faith by such date, this Agreement shall terminate, and all amounts outstanding
hereunder, shall be due on April 30, 2001.  Calculation of losses under this section shall not include amortization charges related to the AudioTalk acquisition

6.8     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 without the Bank s written consent, which will not be unreasonably withheld:

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 its property (other than Equipment financed under this Agreement) in the ordinary course of business; (ii) of non-exclusive licenses and similar arrangements for the use of the property of Borrower or its
Subsidiaries in the ordinary course of business; or (iii) of worn-out or obsolete Equipment or (iv) other Transfers which in the aggregate do not exceed $50,000 in any fiscal year.

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 reasonably related thereto,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 approved by Bank) of greater than 25%, or its management.  Borrower will not, without at least 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 Subsidiaries to
acquire, all or substantially all of the capital stock or property of another Person except where (i) such acquisitions do not involve consideration other than Borrower s equity securities with an aggregate value greater than $250,000 and (ii) no Event of
Default has occurred and is continuing or would exist after giving effect to the transactions.  A Subsidiary may merge or consolidate into another Subsidiary or into Borrower.

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

7.5Encumbrance.  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.

7.6Investments; Distributions.  (i) Directly or indirectly acquire or own any Person, or make any Investment in any Person, other than Permitted Investments and
mergers and acquisitions permitted under Section 7.3, 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, except for repurchases of stock from former
employees or directors of Borrower under the terms of applicable repurchase agreements in an aggregate amount not to exceed $50,000 in the aggregate in any fiscal year, provided that no Event of Default has occurred, is continuing or would exist after
giving effect to the repurchases.

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7.7Transactions 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.

7.8Subordinated 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.

7.9Compliance.  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 reasonably be expected to 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:

8.1Payment Default.  Borrower fails to pay any of the Obligations within 5 days after their due date. 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);

8.2Covenant Default.  Borrower does not perform any obligation in Section 6 or violates any covenant in Article 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 10 Business Days after
it occurs, or if the default cannot be cured within 10 Business Days or cannot be cured after Borrower s attempts in the 10 Business Day period, and the default may be cured within a reasonable time, then Borrower has an additional time, (of not more than
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);

8.3Material Adverse Change.  (i) A material impairment in the perfection or priority of Bank s security interest in the Collateral or in the value of such
Collateral that is not covered by adequate insurance occurs; or (ii) there occurs a material adverse change in Borrower s business or financial condition;

8.4Attachment.  (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 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 10 days after Borrower receives notice.  These are not Events of Default if stayed or if a bond is posted pending
contest by Borrower (but no Credit Extensions will be made during the cure period);

8.5Insolvency.  (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 30 days (but no Credit Extensions will be made before any Insolvency Proceeding is dismissed);

8.6Misrepresentations.  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.

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9.     BANK S RIGHTS AND REMEDIES

9.1Rights 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;

(f)         
Ship, reclaim, recover, store, finish, maintain, repair, prepare for sale, advertise for sale, and sell the Collateral.  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.

9.2Power 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) dispose of the Collateral in accordance with the Code.  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 int




erest, are irrevocable until all Obligations have been fully repaid and performed and Bank s obligation to provide Credit Extensions terminates.

9.3Accounts 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.

9.4Bank 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.

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9.6Remedies
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.

9.7Demand
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.

California 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 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.

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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.

12.5Counterparts.  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.

12.6Survival.  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.

12.7Confidentiality.  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 present or prospective business relations 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.

12.8Attorneys  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 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.

"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) 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.

"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 California Uniform Commercial Code.

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"Collateral"  is the property described on Exhibit A.

"Committed Equipment Line"is a Credit Extension of up to $3,000,000.

"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, co-made,
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 designated 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.

"Credit Extension"  is each Equipment 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.

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

"Equipment Advance"
is defined in Section 2.1.

"Equipment Availability End Date"is defined in Section 2.1.

"Equipment Maturity Date"is defined in Section 2.1.

"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:

10

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(a)     Copyrights, Trademarks, Patents, and Mask Works 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;

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.

"Loan Documents"  are, collectively, this Agreement, any note, or notes or guaranties executed by Borrower or Guarantor, 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"  is defined in Section 8.3.

"Maturity Date"
is the Equipment Loan Maturity Date.

"Obligations"  are debts, principal, interest, Bank Expenses and other amounts Borrower owes Bank now or later, including letters of credit and foreign
exchange contracts, if any, and including interest accruing after Insolvency Proceedings begin and debts, liabilities, or obligations of Borrower assigned to Bank.

"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 and with respect to surety bonds and similar obligations incurred in the ordinary course of business; and

(e)     Indebtedness secured by Permitted Liens, including equipment purchase and lease agreements;

11

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(f)      Indebtedness of Borrower to any Subsidiary and Contingent Obligations of any Subsidiary with respect to obligations of Borrower (provided
that the primary obligations are not prohibited hereby), and Indebtedness of any Subsidiary to any other Subsidiary and Contingent Obligations of any Subsidiary with respect to obligations of any other Subsidiary (provided that the primary obligations are
not prohibited hereby);

(g)     Other Indebtedness not otherwise permitted by Section 7.4 not exceeding $150,000 in the aggregate outstanding at any time; and

(h)     Extensions, refinancings, modifications, amendments and restatements of any items of Permitted Indebtedness (a) through (f) above, provided that
the principal amount thereof is not increased or the terms thereof are not modified to impose more burdensome terms upon Borrower or its Subsidiary, as the case may be.

"Permitted Investments"  are:

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

(b)     (i) marketable direct obligations issued or unconditionally guaranteed by the United States or its agency or any State maturing within 1 year from
its acquisition, (ii) commercial paper maturing no more than 1 year after its creation and having the highest rating from either Standard & Poor s Corporation or Moody s Investors Service, Inc., and (iii) Bank s certificates of deposit issued maturing
no more than 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;

(c)      Investments consisting of the endorsement of negotiable instruments for deposit or collection or similar transactions in the ordinary course
of Borrower;

(d)      Investments accepted in connection with Transfers permitted by Section 7.1;

(e)      Investments of Subsidiaries in or to other Subsidiaries or Borrower and Investments by Borrower in Subsidiaries not to exceed $250,000 in
the aggregate in any fiscal year

(f)      Investments consisting of (i) travel advances and employee relocation loans and other employee loans and advances in the ordinary course of
business, and (ii) loans to employees, officers or directors relating to the purchase of equity securities of Borrower or its Subsidiaries pursuant to employee stock purchase plans or agreements approved by Borrower s Board of Directors

(g)     Investments (including debt obligations) received in connection with the bankruptcy or reorganization of customers or suppliers and in settlement
of delinquent obligations of, and other disputes with, customers or suppliers arising in the ordinary course of business;

(h)     Investments consisting of notes receivable of, or prepaid royalties and other credit extensions, to customers and suppliers who are not
Affiliates, in the ordinary course of business; provided that this paragraph (h) shall not apply to Investments of Borrower in any Subsidiary;

(i)      Joint ventures or strategic alliances in the ordinary course of Borrower s business consisting of the non-exclusive licensing of technology, the development of technology or the providing of technical support, provided
that any cash investments by Borrower do not exceed $50,000 in the aggregate in any fiscal year;

(j)     Other Investments not otherwise permitted by Section 7.7 not exceeding $50,000 in the aggregate outstanding at any time; and

(k)     Investments made in accordance with Borrower s investment policy in the form attached hereto, as amended from time to time with Bank s prior
written consent.

"Permitted Liens"  are:

12

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(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;

(c)      Liens granted in Equipment being leased to the lessor thereof, and 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,if
the leases, subleases, licenses and sublicenses permit granting Bank a security interest;

(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;

(f)       Liens arising from judgments, decrees or attachments in circumstances not constituting an Event of Default under Section 8.4 or 8.7;

(g)      
Liens in favor of other financial institutions arising in connection with Borrower s deposit accounts held at such institutions, provided that Bank has a perfected security interest in the amounts held in such deposit accounts; and

(h)      
Other Liens not described above arising in the ordinary course of business and not having or not reasonably likely to have a material adverse effect on Borrower and its Subsidiaries taken as a whole.

"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 billed accounts receivable and investments with
maturities of less than 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 the day before the first anniversary of the date of this Agreement.

"Schedule"  is any attached schedule of exceptions.

"Subordinated Debt"  is debt incurred by Borrower subordinated to Borrower s debt to Bank (and identified as subordinated by Borrower and Bank).

"Subsidiary"  is for any Person, joint venture, or any other business entity of which more than 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.

"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 Assignor connected with the trademarks.

13

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BORROWER:

HEARME

|By:    | 
|------ | 
|       | 
|Title: | 
|       | 

SILICON VALLEY BANK

|By:    | 
|------ | 
|       | 
|Title: | 
|       | 



14

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EXHIBIT A

COLLATERAL DESCRIPTION ATTACHMENT
TO LOAN AND SECURITY AGREEMENT

The Collateral shall consist of all right, title and interest of Borrower in and to the following:

(a)         
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;

(b)        
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, and Borrower s Books relating to any of the foregoing;

(c)        
All contract rights and general intangibles now owned or hereafter acquired, including, without limitation, goodwill, 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;

(d)        
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 and Borrower s Books relating to any of the foregoing;

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

(f)        
Any and all claims, rights and interests in any of the above and all substitutions for, additions and accessions to and proceeds thereof.

Notwithstanding the foregoing, Collateral shall not include any copyrights, trademarks, servicemarks, tradestyles, trade names, patents, patent applications, copyright rights, copyright applications and like protections in each work of
authorship and derivative work thereof; trade secret rights, including rights to unpatented inventions, know how, operating manuals, license rights and agreements and confidential information, mask works or similar rights for the protection of
semiconductor chips, or any claims for damages by way of any past, present and future infringement of any of the foregoing. (collectively, the  Intellectual Property ), except that the Collateral shall include the proceeds of all the Intellectual
Property, including proceeds in the form of accounts and general intangibles.

15

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EXHIBIT B

LOAN PAYMENT/ADVANCE TELEPHONE REQUEST FORM

DEADLINE FOR SAME DAY PROCESSING IS 3:00 P.M.,
PACIFIC TIME

|TO: CENTRAL CLIENT DIVISION | DATE: | 
|--------------------------- | ----- | 
|                            |       | 
|FAX #: (408) 496-2426       | 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 representations and warranties of Borrower stated in the Loan
      Agreement are true, correct and complete in all material respects as of
      the date of the telephone request for and Advance confirmed by this
      Borrowing Certificate; provided, however, that those representations and
      warranties expressly referring to another date shall be true, correct and
      complete in all material respects as of such 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                                                                                                                                  
|                                                                                                                                                      
|                                                                                                                                                      
|Received By (Bank)                                                                                                                                    

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

---

16

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EXHIBIT C
COMPLIANCE CERTIFICATE

TO:          
SILICON VALLEY BANK

FROM:    HEARME

The undersigned authorized officer of HEARME 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.

| | Reporting Covenant                   |  | Required                            |  |                        |  | Complies               | 
| | ------------------------------------ |  | ----------------------------------- |  | ---------------------- |  | ---------------------- | 
| |                                      |  |                                     |  |                        |  |                        | 
| | Quarterly financial statements1      |  | Quarterly within 45 days1           |  |                        |  | Yes            
    No | 
| | Annual (CPA Audited)                 |  | FYE within 90 days                  |  |                        |  | Yes            
    No | 
| | 10-Q, 10K and 8-K                    |  | Within 5 days after filing with SEC |  | Yes            
    No | 
| |                                      |  |                                     |  |                        |  |                        | 
| | Financial Covenant                   |  | Required                            |  | Actual                 |  | Complies               | 
| |                                      |  |                                     |  |                        |  |                        | 
| | Maintain on a Quarterly Basis:       |  |                                     |  |                        |  |                        | 
| | Minimum Quick Ratio                  |  | 1.75:1.002                          |  | _____:1.00             |  | Yes            
    No | 
| | Minimum Revenue                      |  | 3                                   |  | $_____                 |  | Yes            
    No | 
| |                                      |  |                                     |  |                        |  |                        | 
| | Profitability         
    Quarterly |  | 4                                   |  | $___________           |  | Yes            
    No | 
| |                                      |  |                                     |  |                        |  |                        | 

1Monthly when unrestricted cash is less than $25,000,000. 2 Monthly when unrestricted cash is less than $25,000,000.3Greater than previous quarter, except decline permitted for Q499 to Q100.4Quarterly loss not to exceed:

| | 6/30/00  | ($12,500,000)
| | -------- | -------------
| | 9/30/00  | ($12,000,000)
| | 12/31/00 | ($11,500,000)
| | 3/31/01  | ($11,000,000)

|                                              |  |              
|--------------------------------------------- |  | -------------
|Comments Regarding Exceptions:  See Attached. |  | BANK USE ONLY
|                                              |  |              
|                                              |  |              
|                                              |  | Received by: 
|                                              |  |              

|Sincerely, |  | AUTHORIZED SIGNER
|---------- |  | -----------------

| |  | Date:    
| |  | ---------
| |  |          
| |  | Verified:
| |  |          

|SIGNATURE |  | AUTHORIZED SIGNER
|--------- |  | -----------------
|          |  |                  

|      |  | Date:
|----- |  | -----
|      |  |      
|TITLE |  |      

|     |  | Compliance Status | Yes |  | No | 
|---- |  | ----------------- | --- |  | -- | 
|     |  |                  
|DATE |  |                  
|     |  |                  

17

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CORPORATE RESOLUTIONS TO BORROW

|         
|---------
|Borrower:
|         

I FURTHER CERTIFY that attached hereto as Attachments 1 and 2 are true and complete copies of the Certificate of Incorporation, as amended, and the Bylaws of the Corporation, each of which is in full force and
effect on the date hereof.

I FURTHER CERTIFY that at a meeting of the Directors of the Corporation, duly called and held, at which a quorum was present and voting (or by other duly authorized corporate action in lieu of a meeting), the
following resolutions were adopted.

BE IT RESOLVED, that any one (1) of the following named officers, employees, or agents of this Corporation, whose actual signatures are shown below:

|NAMES |  | POSITION |  | ACTUAL
    SIGNATURES
|----- |  | -------- |  | ---------------------
|      |  |          |  |                      
|      |  |          |  |                      
|      |  |          |  |                      
|      |  |          |  |                      
|      |  |          |  |                      
|      |  |          |  |                      
|      |  |          |  |                      
|      |  |          |  |                      

acting for and on behalf of this Corporation and
as its act and deed be, and they hereby are, authorized and empowered:

Borrow
Money. To borrow from time to time from
Silicon Valley Bank ("Bank"), on such terms as may be agreed upon
between the officers, employees, or agents and Bank, such sum or sums of money
as in their judgment should be borrowed, without limitation, including such sums
as are specified in that certain Loan and Security Agreement between Bank and
the Corporation (the "Loan Agreement").     Execute Loan Documents. To execute and deliver to Bank the Loan Agreement and any other agreement entered into between Borrower and Bank in connection with the Loan
Agreement, all as amended or extended from time to time (collectively, with the Loan Agreement, the  Loan Documents ), and also to execute and deliver to Bank one or more renewals, extensions, modifications,
refinancings, consolidations, or substitutions for the Loan Documents, or any portion thereof.     Grant Security. To grant a security interest to Bank in the Collateral described in the Loan Documents, which security interest shall secure all of the Corporation s
Obligations, as described in the Loan Documents.     Negotiate Items. To draw, endorse, and discount with Bank all drafts, trade acceptances, promissory notes, or other evidences of indebtedness payable to or belonging to the
Corporation or in which the Corporation may have an interest, and either to receive cash for the same or to cause such proceeds to be credited to the account of the Corporation with Bank, or to cause such other disposition of the proceeds derived
therefrom as they may deem advisable.     Letters of Credit; Foreign Exchange. To execute letters of credit applications, foreign exchange agreements and other related documents pertaining to Bank s issuance of
letters of credit and foreign exchange contracts.     Further Acts. In the case of lines of credit, to designate additional or alternate individuals as being authorized to request advances
thereunder, and in all cases, to do and perform such other acts and things, to pay any and all fees and costs, and to execute and deliver such other documents and agreements as they may in their discretion deem reasonably necessary or proper in order to
carry into effect the provisions of these Resolutions.     BE IT FURTHER RESOLVED, that any and all acts authorized pursuant to these resolutions and performed prior to the passage of these resolutions are hereby ratified and approved, that these Resolutions
shall remain in full force and effect and Bank

18



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may rely on these Resolutions until written notice of their revocation shall have been delivered to and received by Bank.  Any such notice shall not affect any of the Corporation s agreements or commitments in effect at the time notice is
given.

I FURTHER CERTIFY that the officers, employees, and agents named above are duly elected, appointed, or employed by or for the Corporation, as the case may be, and occupy the positions set forth opposite their
respective names; that the foregoing Resolutions now stand of record on the books of the Corporation; and that the Resolutions are in full force and effect and have not been modified or revoked in any manner whatsoever.

IN WITNESS WHEREOF, I have hereunto set my hand on May 2, 2000 and attest that the signatures set opposite the names listed above are their genuine signatures.



| | CERTIFIED AND ATTESTED BY:
| | --------------------------
| |                           
| | X                         
| |                           
| |                           

19

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