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                                                                   EXHIBIT 10(o)

NATIONSCREDIT COMMERCIAL FUNDING
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                          LOAN AND SECURITY AGREEMENT

     This Loan and Security Agreement (as it may be amended, this "AGREEMENT")
is entered into on December 19, 1997 between NATIONSCREDIT COMMERCIAL
CORPORATION, THROUGH ITS NATIONSCREDIT COMMERCIAL FUNDING DIVISION ("LENDER"),
having an address at 1177 Avenue of the Americas, 36th Floor, New York, New York
10036 and CLINICOR, INC. ("BORROWER"), whose chief executive office is located
at 1717 West Sixth Street, Suite 400, Austin, Texas 78703 ("BORROWER'S
ADDRESS").  The Schedules to this Agreement are an integral part of this
Agreement and are incorporated herein by reference.  Terms used, but not defined
elsewhere, in this Agreement are defined in Schedule B.

1.   LOANS AND CREDIT ACCOMMODATIONS.

     1.1  AMOUNT.  Subject to the terms and conditions contained in this
Agreement, Lender will:

          (a) REVOLVING LOANS AND CREDIT ACCOMMODATIONS.  From time to time
during the Term at Borrower's request, make revolving loans to Borrower
("REVOLVING LOANS"), and make letters of credit, bankers acceptances and other
credit accommodations ("CREDIT ACCOMMODATIONS") available to Borrower, in each
case to the extent that there is sufficient Availability at the time of such
request to cover, dollar for dollar, the requested Revolving Loan or Credit
Accommodation; PROVIDED, that after giving effect to such Revolving Loan or
Credit Accommodation, (x) the outstanding balance of all monetary Obligations
(INCLUDING the principal balance of any Term Loan and, solely for the purpose of
determining compliance with this provision, the Credit Accommodation Balance)
will not exceed the Maximum Facility Amount set forth in Section 1(a) of
Schedule A and (y) none of the other Loan Limits set forth in Section 1 of
Schedule A will be exceeded.  For this purpose, "AVAILABILITY" means:

              (i)   the aggregate amount of Eligible Accounts (less maximum
     existing or asserted taxes, discounts, credits and allowances) and the
     aggregate of Eligible Accrued Unbilled Accounts (less maximum existing or
     asserted taxes, discounts, credits and allowances) each respectively
     multiplied by the Accounts Advance Rate set forth in Section 1(b)(i) of
     Schedule A but not to exceed the respective Accounts Sublimit set forth in
     Section 1(c) of Schedule A;

                                     PLUS

              (ii)  the lower of cost or market value of Eligible Inventory
     multiplied by the Inventory Advance Rate(s) set forth in Section 1(b)(ii)
     of Schedule A, but not to exceed the Inventory Sublimit(s) set forth in
     Section 1(d) of Schedule A;

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                                     MINUS

              (iii) all Reserves which Lender has established pursuant to
     Section 1.2 (including those to be established in connection with the
     requested Revolving Loan or Credit Accommodation);

                                     MINUS

              (iv)  the outstanding balance of all of the monetary Obligations
     (EXCLUDING the Credit Accommodation Balance and the principal balance of
     the Term Loan); and

                                     PLUS

              (v)   the Overadvance Amount, if any, set forth in Section 1(g) of
     Schedule A.

          (b) TERM LOAN.  On the date of this Agreement, make (i) an advance to
Borrower computed with respect to the value of Borrower's Eligible Equipment
(the ("EQUIPMENT ADVANCE") in the principal amount, if any, set forth in Section
2(a)(i) of Schedule A, and (ii) an advance to Borrower computed with respect to
the value of Borrower's Eligible Real Property (the ("REAL PROPERTY ADVANCE") in
the principal amount, if any, set forth in Section 2(a)(ii) of Schedule A.  The
Equipment Advance and the Real Property Advance are collectively referred to as
the "TERM LOAN."

     1.2  RESERVES.  Upon written notice to Borrower, Lender may from time to
time establish and revise such reserves as Lender deems appropriate in its sole
discretion ("RESERVES") to reflect (i) events, conditions, contingencies or
risks which affect or may affect (A) the Collateral or its value, or the
security interests and other rights of Lender in the Collateral or (B) the
assets, business or prospects of Borrower or any Obligor, (ii) Lender's good
faith concern that any Collateral report or financial information furnished by
or on behalf of Borrower or any Obligor to Lender is or may have been
incomplete, inaccurate or misleading in any material respect, (iii) any fact or
circumstance which Lender determines in good faith constitutes, or could
constitute, a Default or Event of Default or (iv) any other events or
circumstances which Lender determines in good faith make the establishment or
revision of a Reserve prudent.  Without limiting the foregoing, Lender shall (x)
in the case of each Credit Accommodation issued for the purchase of Inventory
(a) which meets the criteria for Eligible Inventory set forth in clauses (i),
(ii), (iii), (v) and (vi) of the definition of Eligible Inventory, (b) which is
or will be in transit to one of the locations set forth in Section 9(d) of
Schedule A, (c) which is fully insured in a manner satisfactory to Lender and
(d) with respect to which Lender is in possession of all bills of lading and all
other documentation which Lender has requested, all in form and substance
satisfactory to Lender in its sole discretion, establish a Reserve equal to the
cost of such Inventory (plus all duties, freight, taxes, insurance, costs and
other charges and expenses relating to such Credit Accommodation or such
Eligible Inventory) multiplied by a percentage equal to

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100% minus the Inventory Advance Rate applicable to Eligible Inventory and (y)
in the case of any other Credit Accommodation issued for any purpose, establish
a Reserve equal to the full amount of such Credit Accommodation plus all costs
and other charges and expenses relating to such Credit Accommodation. In
addition, (x) Lender shall establish a permanent Reserve in the amount set forth
in Section 1(f) of Schedule A, and (y) if the outstanding principal balance of
the Term Loan advance with respect to Eligible Equipment exceeds the percentage
set forth in Section 2(a)(i) of Schedule A of the appraised value of such
Eligible Equipment, Lender may establish an additional Reserve in the amount of
such excess (and, for this purpose, if payments of principal on the Term Loan
advances against Eligible Equipment and Real Property are not calculated
separately, payments of principal of the Term Loan made by Borrower shall be
deemed to apply to the Term Loan advance with respect to Eligible Equipment and
Real Property, respectively, in proportion to the original principal amounts of
such advances). Lender may, in its discretion, establish and revise Reserves by
deducting them in determining Availability or by reclassifying Eligible Accounts
or Eligible Accrued Unbilled Accounts or Eligible Inventory as ineligible. In no
event shall the establishment of a Reserve in respect of a particular actual or
contingent liability obligate Lender to make advances hereunder to pay such
liability or otherwise obligate Lender with respect thereto.

     1.3  OTHER PROVISIONS APPLICABLE TO CREDIT ACCOMMODATIONS.  Lender may, in
its sole discretion and on terms and conditions acceptable to Lender, make
Credit Accommodations available to Borrower either by issuing them, or by
causing other financial institutions to issue them supported by Lender's
guaranty or indemnification; PROVIDED, that after giving effect to each Credit
Accommodation, the Credit Accommodation Balance will not exceed the Credit
Accommodation Limit set forth in Section 1(e) of Schedule A.  Any amounts paid
by Lender in respect of a Credit Accommodation will be treated for all purposes
as a Revolving Loan which shall be secured by the Collateral and bear interest,
and be payable, in the same manner as a Revolving Loan.  Borrower agrees to
execute all documentation required by Lender or the issuer of any Credit
Accommodation in connection with any such Credit Accommodation.

     1.4  REPAYMENT.  Accrued interest on all monetary Obligations shall be
payable on the first day of each month.  Principal of the Term Loan shall be
repaid as set forth in Section 2(b) of Schedule A.  If at any time any of the
Loan Limits are exceeded, Borrower will immediately pay to Lender such amounts
(or provide cash collateral to Lender with respect to the Credit Accommodation
Balance in the manner set forth in Section 7.3), as shall cause Borrower to be
in full compliance with all of the Loan Limits.  Notwithstanding the foregoing,
Lender may, in its sole discretion, make or permit Revolving Loans, the Term
Loan, any Credit Accommodations or any other monetary Obligations to be in
excess of any of the Loan Limits; PROVIDED, that Borrower shall, upon Lender's
demand, pay to Lender such amounts as shall cause Borrower to be in full
compliance with all of the Loan Limits.  All unpaid monetary Obligations shall
be payable in full on the Maturity Date (as defined in Section 7.1) or, if
earlier, the date of any early termination pursuant to Section 7.2.

     1.5  MINIMUM BORROWING.  Subject to the terms and conditions of this
Agreement, Borrower agrees to (i) borrow sufficient amounts to cause the
outstanding principal balance of

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the Loans to equal or exceed, at all times prior to the Maturity Date, the
Minimum Loan Amount set forth in Section 4 of Schedule A and (ii) maintain
Availability sufficient to enable Borrower to do so. However, Lender shall not
be obligated to loan Borrower the Minimum Loan Amount other than in accordance
with all of the terms and conditions of this Agreement.

2.   INTEREST AND FEES.

     2.1  INTEREST.  All Loans and other monetary Obligations shall bear
interest at the Interest Rate(s) set forth in Section 3 of Schedule A, except
where expressly set forth to the contrary in this Agreement or another Loan
Document; PROVIDED, that after the occurrence of an Event of Default, all Loans
and other monetary Obligations shall, at Lender's option, bear interest at a
rate per annum equal to two percent (2%) in excess of the rate otherwise
applicable thereto (the "DEFAULT RATE") until paid in full (notwithstanding the
entry of any judgment against Borrower or the exercise of any other right or
remedy by Lender), and all such interest shall be payable on demand.  Changes in
the Interest Rate shall be effective as of the date of any change in the Prime
Rate. No agreements, conditions, provisions or stipulations contained in this
Agreement or any other instrument, document or agreement between Borrower and
Lender or default of Borrower, or the exercise by Lender of the right to
accelerate the payment of the maturity of principal and interest, or to exercise
any option whatsoever contained in this Agreement or any other Loan Documents,
or the arising of any contingency whatsoever, shall entitle Lender to contract
for, charge, or receive, in any event, interest exceeding the maximum rate of
interest permitted by applicable state or federal law in effect from time to
time (hereinafter "MAXIMUM LEGAL RATE").  In no event shall Borrower be
obligated to pay interest exceeding such Maximum Legal Rate and all agreements,
conditions or stipulations, if any, which may in any event or contingency
whatsoever operate to bind, obligate or compel Borrower to pay a rate of
interest exceeding the Maximum Legal Rate, shall be without binding force or
effect, at law or in equity, to the extent only of the excess of interest over
such Maximum Legal Rate.  In the event any interest is contracted for, charged
or received in excess of the Maximum Legal Rate ("EXCESS"), Borrower
acknowledges and stipulates that any such contract, charge, or receipt shall be
the result of an accident and bona fide error, and that any Excess received by
                              ---- ----
Lender shall be applied, first, to reduce the principal then unpaid hereunder;
second, to reduce the other Obligations; and third, returned to Borrower, it
being the intention of the parties hereto not to enter at any time into a
usurious or otherwise illegal relationship.  Borrower recognizes that, with
fluctuations in the Prime Rate and the Maximum Legal Rate, such a result could
inadvertently occur.  By the execution of this Agreement, Borrower covenants
that (i) the credit or return of any Excess shall constitute the acceptance by
Borrower of such Excess, and (ii) Borrower shall not seek or pursue any other
remedy, legal or equitable, against  Lender, based in whole or in part upon
contracting for, charging or receiving of any interest in excess of the maximum
authorized or receiving of any interest in excess of the maximum authorized by
applicable law.  For the purpose of determining whether or not any Excess has
been contracted for, charged or received by Lender, all interest at any time
contracted for, charged or received by Lender in connection with this Agreement
shall be amortized, prorated, allocated and spread in equal parts during the
entire term of this Agreement.

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     2.2  FEES AND WARRANTS.  Borrower shall pay Lender the following fees, and
issue Lender the following warrants, which are in addition to all interest and
other sums payable by Borrower to Lender under this Agreement, and are not
refundable:

          (a) CLOSING FEE.  A closing fee in the amount set forth in Section
6(a) of Schedule A, which shall be deemed to be fully earned as of, and payable
on, the date hereof.

          (b) FACILITY FEES.  A facility fee for each year of the Initial Term
in the amount set forth in Section 6(b) of Schedule A (which shall be fully
earned and payable as of the date of this Agreement and on each anniversary
thereof during the Initial Term).

          (c) SERVICING FEE.  A monthly servicing fee in the amount set forth in
Section 6(c) of Schedule A, in consideration of Lender's administration and
other services for each month (or part thereof), which shall be fully earned as
of, and payable in advance on, the date of this Agreement and on the first day
of each month thereafter so long as any of the Obligations are outstanding.

          (d) UNUSED LINE FEE.  An unused line fee at a rate equal to the
percentage per annum set forth in Section 6(d) of Schedule A of the amount by
which the Maximum Facility Amount exceeds the average daily outstanding
principal balance of the Loans and the Credit Accommodation Balance during the
immediately preceding twelve month period (or part thereof), which fee shall be
payable, in arrears, on each anniversary of the date of this Agreement so long
as any of the Obligations are outstanding and on the Maturity Date.

          (e) MINIMUM BORROWING FEE.  A minimum borrowing fee equal to (i) the
amount that the Minimum Loan Amount set forth in Section 4 of Schedule A exceeds
the actual average Loan balance in respect of each period set forth in Section
6(e)(i) of Schedule A multiplied by (ii) the average annual Interest Rate as set
forth in Section 3 of Schedule A, which fee shall be fully earned as of the last
day of such period and payable on the date set forth in Section 6(e)(ii) of
Schedule A and on the Maturity Date, commencing with the immediately following
period.

          (f) SUCCESS FEE.  A success fee in the amount set forth in Section
6(f) of Schedule A, which shall be fully earned as of the date of this Agreement
and payable as set forth in Section 6(f) of Schedule A.

          (g) WARRANTS.  Warrants to acquire the capital stock of Borrower, as
summarized in Section 6(g) of Schedule A and as more fully set forth in a
separate warrant agreement executed by Borrower contemporaneously with this
Agreement.

          (h) CREDIT ACCOMMODATION FEES.  All of the fees relating to Credit
Accommodations set forth in Section 6(i) of Schedule A.

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     2.3  COMPUTATION OF INTEREST AND FEES.  All interest and fees shall be
calculated daily on the closing balances in the Loan Account based on the actual
number of days elapsed in a year of 360 days.  For purposes of calculating
interest and fees, if the outstanding daily principal balance of the Revolving
Loans is a credit balance, such balance shall be deemed to be zero.

     2.4  LOAN ACCOUNT; MONTHLY ACCOUNTINGS.  Lender shall maintain a loan
account for Borrower reflecting all advances, charges, expenses and payments
made pursuant to this Agreement (the "LOAN ACCOUNT"), and shall provide Borrower
with a monthly accounting reflecting the activity in the Loan Account.  Each
accounting shall be deemed correct, accurate and binding on Borrower and an
account stated (except for reverses and reapplications of payments made and
corrections of errors discovered by Lender), unless Borrower notifies Lender in
writing to the contrary within sixty days after such account is rendered,
describing the nature of any alleged errors or admissions.  However, Lender's
failure to maintain the Loan Account or to provide any such accounting shall not
affect the legality or binding nature of any of the Obligations.  Interest, fees
and other monetary Obligations due and owing under this Agreement (including
fees and other amounts paid by Lender to issuers of Credit Accommodations) may,
in Lender's discretion, be charged to the Loan Account, and will thereafter be
deemed to be Revolving Loans and will bear interest at the same rate as other
Revolving Loans.

3.   SECURITY INTEREST.

     3.1  To secure the full payment and performance of all of the Obligations
when due, Borrower hereby grants to Lender a continuing security interest in all
of Borrower's property and interests in property, whether tangible or
intangible, now owned or in existence or hereafter acquired or arising, wherever
located, including Borrower's interest in all of the following, whether or not
eligible for lending purposes:  (i) all Accounts, Chattel Paper, Instruments,
Documents, Goods (including Inventory, Equipment, farm products and consumer
goods), Investment Property, General Intangibles, Deposit Accounts and money,
(ii)  all proceeds and products of all of the foregoing (including proceeds of
any insurance policies, proceeds of proceeds and claims against third parties
for loss or any destruction of any of the foregoing) and (iii) all books and
records relating to any of the foregoing.

4.   ADMINISTRATION.

     4.1  LOCK BOXES AND BLOCKED ACCOUNTS.  Borrower will, at its expense,
establish (and revise from time to time as Lender may require) collection
procedures acceptable to Lender, in Lender's sole discretion, for the collection
of checks, wire transfers and other proceeds of Accounts ("ACCOUNT PROCEEDS"),
which may include (i) directing all Account Debtors to send all such proceeds
directly to a post office box designated by Lender either in the name of
Borrower (but as to which Lender has exclusive access) or, at Lender's option,
in the name of Lender (a "LOCK BOX") or (ii) depositing all Account Proceeds
received by Borrower into one or more bank accounts maintained in Lender's name
(each, a "BLOCKED ACCOUNT"), under an arrangement acceptable to Lender with a
depository bank acceptable to Lender, pursuant to which all funds deposited into
each Blocked Account are to be transferred to Lender in such manner, and with

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such frequency, as Lender shall specify or (iii) a combination of the foregoing.
Borrower agrees to execute, and to cause its depository banks to execute, such
Lock Box and Blocked Account agreements and other documentation as Lender shall
require from time to time in connection with the foregoing.  The Borrower and
Lender agree that as of the date of execution of this Agreement, no Lock Box
arrangement is presently being required by Lender.  However, Lender shall have
the right at any time after the date of this Agreement to require that there be
a Lock Box arrangement, provided that Lender has given Borrower prior written
notice of the requirement of such a Lock Box arrangement.

     4.2  REMITTANCE OF PROCEEDS.  Except as provided in Section 4.1, all
proceeds arising from the sale or other disposition of any Collateral shall be
delivered, in kind, by Borrower to Lender in the original form in which received
by Borrower not later than the following Business Day after receipt by Borrower.
Until so delivered to Lender, Borrower shall hold such proceeds separate and
apart from Borrower's other funds and property in an express trust for Lender.
Nothing in this Section 4.2 shall limit the restrictions on disposition of
Collateral set forth elsewhere in this Agreement.

     4.3  APPLICATION OF PAYMENTS.  Lender may, in its sole discretion, apply,
reverse and re-apply all cash and non-cash proceeds of Collateral or other
payments received with respect to the Obligations, in such order and manner as
Lender shall determine, whether or not the Obligations are due, and whether
before or after the occurrence of a Default or an Event of Default.  For
purposes of determining Availability, such amounts will be credited to the Loan
Account and the Collateral balances to which they relate upon Lender's receipt
of advice from Lender's Bank (set forth in Section 11 of Schedule A) that such
items have been credited to Lender's account at Lender's Bank (or upon Lender's
deposit thereof at Lender's Bank in the case of payments received by Lender in
kind), in each case subject to final payment and collection.  However, for
purposes of computing interest on the Obligations, such items shall be deemed
applied by Lender three Business Days after Lender's receipt of advice of
deposit thereof at Lender's Bank.

     4.4  NOTIFICATION; VERIFICATION.  Upon written notice to Borrower, Lender
or its designee may, from time to time, whether or not a Default or Event of
Default has occurred: (i) verify directly with the Account Debtors the validity,
amount and other matters relating to the Accounts and Chattel Paper, by means of
mail, telephone or otherwise, either in the name of Borrower or Lender or such
other name as Lender may choose; (ii) notify Account Debtors that Lender has a
security interest in the Accounts and that payment thereof is to be made
directly to Lender; and (iii) demand, collect or enforce payment of any Accounts
and Chattel Paper (but without any duty to do so).

     4.5  POWER OF ATTORNEY.  Borrower hereby grants to Lender an irrevocable
power of attorney, coupled with an interest, authorizing and permitting Lender
(acting through any of its officers, employees, attorneys or agents), at any
time (whether or not a Default or Event of Default has occurred and is
continuing, except as expressly provided below), at Lender's option, but without
obligation, with or without prior notice to Borrower, provided written notice is

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subsequently given to Borrower, and at Borrower's expense, to do any or all of
the following, in Borrower's name or otherwise:  (i) execute on behalf of
Borrower any documents that Lender may, in its good faith credit judgment, deem
advisable in order to perfect and maintain Lender's security interests in the
Collateral, to exercise a right of Borrower or Lender, or to fully consummate
all the transactions contemplated by this Agreement and the other Loan Documents
(including such financing statements and continuation financing statements, and
amendments thereto, as Lender shall deem necessary or appropriate) and to file
as a financing statement any copy of this Agreement or any financing statement
signed by Borrower; (ii) upon the occurrence and during continuation of any
Event of Default or in connection with the Lender's exercise of its rights under
the UCC, execute on behalf of Borrower any document exercising, transferring or
assigning any option to purchase, sell or otherwise dispose of or lease (as
lessor or lessee) any real or personal property which is part of the Collateral
or in which Lender has an interest; (iii) after the occurrence and during the
continuation of any Event of Default, execute on behalf of Borrower any invoices
relating to any Accounts, any draft against any Account Debtor, any proof of
claim in bankruptcy, any notice of Lien or claim, and any assignment or
satisfaction of mechanic's, materialman's or other Lien; (iv) execute on behalf
of Borrower any notice to any Account Debtor; (v) receive and otherwise take
control in any manner of any cash or non-cash items of payment or proceeds of
Collateral; (vi) endorse Borrower's name on all checks and other forms of
remittances received by Lender; (vii) upon the occurrence and during the
continuation of any Event of Default, pay, contest or settle any Lien, charge,
encumbrance, security interest and adverse claim in or to any of the Collateral,
or any judgment based thereon, or otherwise take any action to terminate or
discharge the same; (viii) after the occurrence and during the continuation of
an Event of Default, grant extensions of time to pay, compromise claims relating
to, and settle Accounts, Chattel Paper and General Intangibles for less than
face value and execute all releases and other documents in connection therewith;
(ix) after the occurrence and during the continuation of any Event of Default,
pay any sums required on account of Borrower's taxes or to secure the release of
any Liens therefor; (x) after the occurrence and during the continuation of any
Event of Default, pay any amounts necessary to obtain, or maintain in effect,
any of the insurance described in Section 5.12; (xi) settle and adjust, and give
releases of, any insurance claim that relates to any of the Collateral and
obtain payment therefor; (xii) instruct any third party having custody or
control of any Collateral or books or records belonging to, or relating to,
Borrower to give Lender the same rights of access and other rights with respect
thereto as Lender has under this Agreement; and (xiii) after the occurrence and
during the continuation of an Event of Default or in connection with the
notification given by Lender to Account Debtors of Accounts that exceed certain
limits provided for herein, change the address for delivery of Borrower's mail
and receive and open all mail addressed to Borrower.  Any and all sums paid, and
any and all costs, expenses, liabilities, obligations and reasonable attorneys'
fees incurred, by Lender with respect to the foregoing shall be added to and
become part of the Obligations, shall be payable on demand, and shall bear
interest at a rate equal to the highest interest rate applicable to any of the
Obligations.  Borrower agrees that Lender's rights under the foregoing power of
attorney or any of Lender's other rights under this Agreement or the other Loan
Documents shall not be construed to indicate that Lender is in control of the
business, management or properties of Borrower.

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     4.6  DISPUTES.  Borrower shall promptly notify Lender of all disputes or
claims relating to Accounts and Chattel Paper.  Borrower will not, without
Lender's prior written consent, compromise or settle any Account or Chattel
Paper for less than the full amount thereof, grant any extension of time of
payment of any Account or Chattel Paper, release (in whole or in part) any
Account Debtor or other person liable for the payment of any Account or Chattel
Paper or grant any credits, discounts, allowances, deductions, return
authorizations or the like with respect to any Account or Chattel Paper; except
that provided that no Event of Default has occurred, and is continuing, Borrower
may take any of such actions in the ordinary course of its business, PROVIDED
that Borrower promptly reports the same to Lender.

     4.7  INVOICES.  At Lender's request after the occurrence and during the
continuation of any Event of Default, Borrower will cause all invoices and
statements which it sends to Account Debtors or other third parties to be
marked, in a manner satisfactory to Lender, to reflect Lender's security
interest therein.

     4.8  INVENTORY.

          (a) RETURNS.  Provided that no Event of Default has occurred and is
continuing, if any Account Debtor returns any Inventory to Borrower in the
ordinary course of its business, Borrower will promptly determine the reason for
such return and promptly issue a credit memorandum to the Account Debtor in the
appropriate amount (sending a copy to Lender).  After the occurrence of an Event
of Default, Borrower will not accept any return without Lender's prior written
consent.  Regardless of whether an Event of Default has occurred, Borrower will
(i) hold the returned Inventory in trust for Lender; (ii) segregate all returned
Inventory from all of Borrower's other property; (iii) conspicuously label the
returned Inventory as Lender's property; and (iv) immediately notify Lender of
the return of such Inventory, specifying the reason for such return, the
location and condition of the returned Inventory and, at Lender's request,
deliver such returned Inventory to Lender at an address specified by Lender.

          (b) OTHER COVENANTS.  Borrower will not, without Lender's prior
written consent, (i) store any Inventory with any warehouseman or other third
party other than as set forth in Section 9(d) of Schedule A or (ii) sell any
Inventory on a sale-or-return, guaranteed sale, consignment, or other contingent
basis.  All of the Inventory has been produced only in accordance with the Fair
Labor Standards Act of 1938 and all rules, regulations and orders promulgated
thereunder.

     4.9  ACCESS TO COLLATERAL, BOOKS AND RECORDS.  At reasonable times, and on
one Business Day's notice, prior to the occurrence of a Default or an Event of
Default, and at any time and with or without notice after the occurrence of a
Default or an Event of Default, Lender or its agents shall have the right to
inspect the Collateral, and the right to examine and copy Borrower's books and
records.  Lender shall take reasonable steps to keep confidential all
information obtained in any such inspection or examination, but Lender shall
have the right to disclose any such information to its auditors, regulatory
agencies, attorneys and participants, and pursuant to any subpoena or other
legal process.  Borrower agrees to give Lender access to any

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or all of Borrower's premises to enable Lender to conduct such inspections and
examinations. Such inspections and examinations shall be at Borrower's expense
and the charge therefor shall be $650 per person per day (or such higher amount
as shall represent Lender's then current standard charge), plus reasonable out-
of-pocket expenses. Lender may, at Borrower's expense, use Borrower's personnel,
computer and other equipment, programs, printed output and computer readable
media, supplies and premises for the collection, sale or other disposition of
Collateral to the extent Lender, in its sole discretion, deems appropriate.
Borrower hereby irrevocably authorizes all accountants and third parties to
disclose and deliver to Lender, at Borrower's expense, all financial
information, books and records, work papers, management reports and other
information in their possession regarding Borrower. Borrower will not enter into
any agreement with any accounting firm, service bureau or third party to store
Borrower's books or records at any location other than Borrower's Address
without first obtaining Lender's written consent (which consent may be
conditioned upon such accounting firm, service bureau or other third party
agreeing to give Lender the same rights with respect to access to books and
records and related rights as Lender has under this Agreement).

5.   REPRESENTATIONS, WARRANTIES AND COVENANTS.

     To induce Lender to enter into this Agreement, Borrower represents,
warrants and covenants as follows (it being understood that (i) each such
representation and warranty will be deemed remade as of the date on which each
Loan is made and each Credit Accommodation is provided and shall not be affected
by any knowledge of, or any investigation by, Lender, and (ii) the accuracy of
each such representation, warranty and covenant will be a condition to each Loan
and Credit Accommodation):

     5.1  EXISTENCE AND AUTHORITY.  Borrower is duly organized, validly existing
and in good standing under the laws of the jurisdiction of its incorporation or
formation.  Borrower is qualified and licensed to do business in all
jurisdictions in which any failure to do so would have a material adverse effect
on Borrower.  The execution, delivery and performance by Borrower of this
Agreement and all of the other Loan Documents have been duly and validly
authorized, do not violate Borrower's articles or certificate of incorporation,
by-laws or other organizational documents, or any law or any agreement or
instrument or any court order which is binding upon Borrower or its property, do
not constitute grounds for acceleration of any indebtedness or obligation under
any agreement or instrument which is binding upon Borrower or its property, and
do not require the consent of any Person.  This Agreement and such other Loan
Documents have been duly executed and delivered by, and are enforceable against,
Borrower, and all other Obligors who have signed them, in accordance with their
respective terms. Sections 9(g) and 9(h) of Schedule A set forth the ownership
of Borrower and the names and ownership of Borrower's Subsidiaries as of the
date of this Agreement.

     5.2  NAME; TRADE NAMES AND STYLES.  The name of Borrower set forth in the
heading to this Agreement is its correct and complete legal name as of the date
hereof.  Listed in Sections 9(a), 9(b) and 9(c) of Schedule A are all prior
names of Borrower and all of Borrower's present and prior trade names.  Borrower
shall give Lender at least 30 days' prior written notice

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     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
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before changing its name or doing business under any other name. Borrower has
complied with all laws relating to the conduct of business under a fictitious
business name. Borrower represents and warrants that (i) each trade name does
not refer to another corporation or other legal entity; (ii) all Accounts
invoiced under any such trade names are owned exclusively by Borrower and are
subject to the security interest of Lender and the other terms of this Agreement
and (iii) all schedules of Accounts, including any sales made or services
rendered using any trade name shall show Borrower's name as assignor.

     5.3  TITLE TO COLLATERAL; PERMITTED LIENS.  Borrower has good and
marketable title to the Collateral.  The Collateral now is and will remain free
and clear of any and all liens, charges, security interests, encumbrances and
adverse claims, except for Permitted Liens.  Lender now has, and will continue
to have, a first-priority perfected and enforceable security interest in all of
the Collateral, subject only to the Permitted Liens, and Borrower will at all
times defend Lender and the Collateral against all claims of others.  None of
the Collateral which is Equipment is or will be affixed to any real property in
such a manner, or with such intent, as to become a fixture.  Except for leases
or subleases as to which Borrower has delivered to Lender a landlord's waiver in
form and substance satisfactory to Lender, Borrower is not a lessee or sublessee
under any real property lease or sublease pursuant to which the lessor or
sublessor may obtain any rights in any of the Collateral, and no such lease or
sublease now prohibits, restrains, impairs or conditions, or will prohibit,
restrain, impair or condition, Borrower's right to remove any Collateral from
the premises.  Whenever any Collateral is located upon premises in which any
third party has an interest (whether as owner, mortgagee, beneficiary under a
deed of trust, lien or otherwise), Borrower shall, whenever requested by Lender,
cause each such third party to execute and deliver to Lender, in form acceptable
to Lender, such waivers and subordinations as Lender shall specify, so as to
ensure that Lender's rights in the Collateral are, and will continue to be,
superior to the rights of any such third party.  Borrower will keep in full
force and effect, and will comply with all the terms of, any lease of real
property where any of the Collateral now or in the future may be located.

     5.4  ACCOUNTS AND CHATTEL PAPER.  As of each date reported by Borrower, all
Accounts which Borrower has reported to Lender as being Eligible Accounts and
Eligible Accrued Unbilled Accounts comply in all respects with the criteria for
eligibility established by Lender and in effect at such time.  All Accounts and
Chattel Paper are genuine and in all respects what they purport to be, arise out
of a completed, bona fide and unconditional and non-contingent sale and delivery
of goods or rendition of services by Borrower in the ordinary course of its
business and in accordance with the terms and conditions of all purchase orders,
contracts or other documents relating thereto, each Account Debtor thereunder
had the capacity to contract at the time any contract or other document giving
rise to such Accounts and Chattel Paper were executed, and the transactions
giving rise to such Accounts and Chattel Paper comply with all applicable laws
and governmental rules and regulations.

     5.5  [THIS SECTION IS INTENTIONALLY OMITTED.]

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     5.6  PLACE OF BUSINESS; LOCATION OF COLLATERAL.  Borrower's Address is
Borrower's chief executive office and the location of its books and records.  In
addition, except as provided in the immediately following sentence, Borrower has
places of business and Collateral located only at the locations set forth on
Sections 9(d) and 9(e) of Schedule A.  Borrower will give Lender at least 30
days' prior written notice before opening any additional place of business,
changing its chief executive office or the location of its books and records, or
moving any of the Collateral to a location other than Borrower's Address or one
of the locations set forth in Sections 9(d) and 9(e) of Schedule A, and will
execute and deliver all financing statements and other agreements, instruments
and documents which Lender shall require as a result thereof.

     5.7  FINANCIAL CONDITION, STATEMENTS AND REPORTS.  All financial statements
delivered to Lender by or on behalf of Borrower have been prepared in conformity
with GAAP and completely and fairly reflect the financial condition of Borrower,
at the times and for the periods therein stated.  Between the last date covered
by any such financial statement provided to Lender and the date hereof (or, with
respect to the remaking of this representation in connection with the making of
any Loan or the providing of any Credit Accommodation, the date such Loan is
made or such Credit Accommodation is provided), there has been no material
adverse change in the financial condition or business of Borrower.  Borrower is
solvent and able to pay its debts as they come due, and has sufficient capital
to carry on its business as now conducted and as proposed to be conducted.  All
schedules, reports and other information and documentation delivered by Borrower
to Lender with respect to the Collateral are, or will be, when delivered, true,
correct and complete as of the date delivered or the date specified therein.

     5.8  TAX RETURNS AND PAYMENTS; PENSION CONTRIBUTIONS.  Borrower has timely
filed all tax returns and reports required by applicable law, has timely paid
all applicable taxes, assessments, deposits and contributions owing by Borrower
and will timely pay all such items in the future as they became due and payable.
Borrower may, however, defer payment of any contested taxes; PROVIDED, that
Borrower (i) in good faith contests Borrower's obligation to pay such taxes by
appropriate proceedings promptly and diligently instituted and conducted; (ii)
notifies Lender in writing of the commencement of, and any material development
in, the proceedings; (iii) posts bonds or takes any other steps required to keep
the contested taxes from becoming a Lien upon any of the Collateral and (iv)
maintains adequate reserves therefor in conformity with GAAP.  Borrower is
unaware of any claims or adjustments proposed for any of Borrower's prior tax
years which could result in additional taxes becoming due and payable by
Borrower.  Borrower has paid, and shall continue to pay, all amounts necessary
to fund all present and future pension, profit sharing and deferred compensation
plans in accordance with their terms, and Borrower has not withdrawn from
participation in, permitted partial or complete termination of, or permitted the
occurrence of any other event with respect to, any such plan which could result
in any liability of Borrower, including any liability to the Pension Benefit
Guaranty Corporation or any other governmental agency.

     5.9  COMPLIANCE WITH LAWS.  Borrower has complied in all material respects
with all provisions of all applicable laws and regulations, including those
relating to Borrower's ownership of real or personal property, the conduct and
licensing of Borrower's business, the

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payment and withholding of taxes, ERISA and other employee matters, safety and
environmental matters.

     5.10 LITIGATION.  Section 9(f) of Schedule A discloses all claims,
proceedings, litigation or investigations pending or (to the best of Borrower's
knowledge) threatened against Borrower.  There is no claim, suit, litigation,
proceeding or investigation pending or (to the best of Borrower's knowledge)
threatened by or against or affecting Borrower in any court or before any
governmental agency (or any basis therefor known to Borrower) which may result,
either separately or in the aggregate, in any material adverse change in the
financial condition or business of Borrower, or in any material impairment in
the ability of Borrower to carry on its business in substantially the same
manner as it is now being conducted.  Borrower will promptly inform Lender in
writing of any claim, proceeding, litigation or investigation in the future
threatened or instituted by or against Borrower.

     5.11 USE OF PROCEEDS.  All proceeds of all Loans will be used solely for
lawful business purposes.

     5.12 INSURANCE.  Borrower will at all times carry property, liability and
other insurance, with insurers acceptable to Lender, in such form and amounts,
and with such deductibles and other provisions, as Lender shall require, and
Borrower will provide evidence of such insurance to Lender, so that Lender is
satisfied that such insurance is, at all times, in full force and effect.  Each
property insurance policy shall name Lender as loss payee and shall contain a
lender's loss payable endorsement in form acceptable to Lender, each liability
insurance policy shall name Lender as an additional insured, and each business
interruption insurance policy shall be collaterally assigned to Lender, all in
form and substance satisfactory to Lender.  All policies of insurance shall
provide that they may not be canceled or changed without at least thirty days'
prior written notice to Lender, shall contain breach of warranty coverage, and
shall otherwise be in form and substance satisfactory to Lender.  Upon receipt
of the proceeds of any such insurance, Lender shall apply such proceeds in
reduction of the Obligations as Lender shall determine in its sole discretion.
Borrower will promptly deliver to Lender copies of all reports made to insurance
companies.

     5.13 FINANCIAL AND COLLATERAL REPORTS.  Borrower has kept and will keep
adequate records and books of account with respect to its business activities
and the Collateral in which proper entries are made in accordance with GAAP
reflecting all its financial transactions, and will cause to be prepared and
furnished to Lender the following (all to be prepared in accordance with GAAP,
unless Borrower's certified public accountants concur in any change therein and
such change is disclosed to Lender):

          (a) COLLATERAL REPORTS.  On or before the fifteenth day of each month,
an aging of Borrower's Accounts, Chattel Paper and notes receivable, and weekly
Inventory reports, all in such form, and together with such additional
certificates, schedules and other information with respect to the Collateral or
the business of Borrower or any Obligor, as Lender shall request; PROVIDED, that
Borrower's failure to execute and deliver the same shall not affect or limit
Lender's
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     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
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security interests and other rights in any of the Accounts, nor shall Lender's
failure to advance or lend against a specific Account affect or limit Lender's
security interest and other rights therein. Together with each such schedule,
Borrower shall furnish Lender with copies, upon Lender's request, (or, at
Lender's request, originals) of all contracts, orders, invoices, and other
similar documents, and all original shipping instructions, delivery receipts,
bills of lading, and other evidence of delivery, for any goods the sale or
disposition of which gave rise to such Accounts, and Borrower warrants the
genuineness of all of the foregoing. In addition, Borrower shall deliver to
Lender the originals of all Instruments, Chattel Paper, security agreements,
guaranties and other documents and property evidencing or securing any Accounts,
immediately upon receipt thereof and in the same form as received, with all
necessary endorsements. Lender may destroy or otherwise dispose of all
documents, schedules and other papers delivered to Lender pursuant to this
Agreement (other than originals of Instruments, Chattel Paper, security
agreements, guaranties and other documents and property evidencing or securing
any Accounts) six months after Lender receives them, unless Borrower requests
their return in writing in advance and arranges for their return to Borrower at
Borrower's expense.

          (b) ANNUAL STATEMENTS.  Not later than 90 days after the close of each
fiscal year of Borrower, unqualified (except for a qualification for a change in
accounting principles with which the accountant concurs) audited financial
statements of Borrower and its Subsidiaries as of the end of such year, on a
consolidated and consolidating basis, certified by a firm of independent
certified public accountants of recognized standing selected by Borrower but
acceptable to Lender, together with a copy of any management letter issued in
connection therewith;

          (c) INTERIM STATEMENTS.  Not later than forty-five days after the end
of each December, March, June and September hereafter, unaudited interim
financial statements of Borrower and its Subsidiaries as of the end of such
fiscal quarter and of the portion of Borrower's fiscal year then elapsed, on a
consolidated and consolidating basis, certified by the principal financial
officer of Borrower as prepared in accordance with GAAP and fairly presenting
the consolidated financial position and results of operations of Borrower and
its Subsidiaries for such fiscal quarter and period subject only to changes from
audit and year-end adjustments and except that such statements need not contain
notes;

          (d) PROJECTIONS, ETC.  Such business projections, Availability
projections, business plans, budgets and cash flow statements for Borrower and
its Subsidiaries as Lender shall request from time to time;

          (e) SHAREHOLDER REPORTS, ETC.  Promptly after the sending or filing
thereof, as the case may be, copies of any proxy statements, financial
statements or reports which Borrower has made available to its shareholders and
copies of any regular, periodic and special reports or registration statements
which Borrower files with the Securities and Exchange Commission or any
governmental authority which may be substituted therefor, or any national
securities exchange;

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     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
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          (f) ERISA REPORTS.  Upon request by Lender, copies of any annual
report to be filed pursuant to the requirements of ERISA in connection with each
plan subject thereto; and

          (g) OTHER INFORMATION.  Such other data and information (financial and
otherwise) as Lender, from time to time, may reasonably request, bearing upon or
related to the Collateral or Borrower's and each of its Subsidiary's financial
condition or results of operations.

     5.14 LITIGATION COOPERATION.  Should any third-party suit or proceeding be
instituted by or against Lender with respect to any Collateral or in any manner
relating to Borrower, Borrower shall, without expense to Lender, make available
Borrower and its officers, employees and agents, and Borrower's books and
records, without charge, to the extent that Lender may deem them reasonably
necessary in order to prosecute or defend any such suit or proceeding.

     5.15 MAINTENANCE OF COLLATERAL, ETC.  Borrower will maintain all of its
Equipment in good working condition, ordinary wear and tear excepted, and
Borrower will not use the Collateral for any unlawful purpose.  Borrower will
immediately advise Lender in writing of any material loss or damage to the
Collateral and of any investigation, action, suit, proceeding or claim relating
to the Collateral or which may result in an adverse impact upon Borrower's
business, assets or financial condition.

     5.16 NOTIFICATION OF CHANGES.  Borrower will promptly notify Lender in
writing of any change in its officers or directors, the opening of any new bank
account or other deposit account, or any material adverse change in the business
or financial affairs of Borrower or the existence of any circumstance which
would make any representation or warranty of Borrower untrue in any material
respect or constitute a material breach of any covenant of Borrower.

     5.17 FURTHER ASSURANCES.  Borrower agrees, at its expense, to take all
actions, and execute or cause to be executed and delivered to Lender all
promissory notes, security agreements, agreements with landlords, mortgagees and
processors and other bailees, subordination and intercreditor agreements and
other agreements, instruments and documents as Lender may request from time to
time, to perfect and maintain Lender's security interests in the Collateral and
to fully effectuate the transactions contemplated by this Agreement.

     5.18 NEGATIVE COVENANTS.  Except as set forth in Section 13 of Schedule A,
Borrower will not, without Lender's prior written consent, (i) merge or
consolidate with another Person, form any new Subsidiary or acquire any interest
in any Person; (ii) acquire any assets except in the ordinary course of business
and as otherwise permitted by this Agreement and the other Loan Documents; (iii)
enter into any transaction outside the ordinary course of business; (iv) sell or
transfer any Collateral or other assets, except that Borrower may sell finished
goods Inventory in the ordinary course of its business; (v) make any loans to,
or investments in, any Affiliate or other Person in the form of money or other
assets; (vi) incur any debt outside the ordinary course of business; (vii)
guaranty or otherwise become liable with respect to the obligations of another
party or entity; (viii) pay or declare any dividends or other distributions
on Borrower's stock, if Borrower is a corporation (except for dividends payable
solely in capital stock of Borrower) or

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     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
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with respect to any equity interests, if Borrower is not a corporation;
provided, however, Borrower may pay to the holders of the Class A Preferred
--------  -------
Stock originally issued to Oracle Partners, Ltd., and certain affiliates and the
Class B Preferred Stock originally issued to Sirrom Capital Corporation d/b/a
Tandem Capital dividends in the amount and pursuant to the terms set forth in
Section A(1) and Section B(1) of Section 2 of Article VI of Borrower's Articles
of Incorporation, as currently in effect provided that at the date of payment of
such cash dividends, after payment of such cash dividends on such date, the
aggregate amount of the sum of Borrower's available cash (including cash
equivalents) and unused Availability less any past-due taxes and accounts
                                     ----
payable more than 60 days past due of the Borrower shall be equal to at least
$250,000; (ix) redeem, retire, purchase or otherwise acquire, directly or
indirectly, any of Borrower's capital stock or other equity interests; provided,
                                                                       --------
however, Borrower may redeem or retire existing classes of Borrower's preferred
-------
stock in accordance with the provisions of Borrower's currently existing
Articles of Incorporation provided that (x) at the date of such redemption or
retirement Borrower has no accounts payable more than sixty days past due and
has no past-due taxes, and (y) after such redemption or retirement on such date,
the aggregate amount of the sum of Borrower's available cash (including cash
equivalents) and unused Availability shall be equal to at least $250,000; (x)
amend Borrower's Articles of Incorporation to make any change in Borrower's
capital structure; (xi) dissolve or elect to dissolve; (xii) pay any principal
or interest on any indebtedness owing to an Affiliate, (xiii) enter into any
transaction with an Affiliate other than on arms-length terms; or (xiv) agree to
do any of the foregoing.

     5.19 FINANCIAL COVENANTS.

          (a) CAPITAL EXPENDITURES.  Borrower will not expend or commit to
expend, directly or indirectly, for capital expenditures (including capital
lease obligations) in excess of the amount set forth in Section 8(a) of Schedule
A as the Capital Expenditure Limitation in any fiscal year.

          (b) NET WORTH.  Borrower will at all times maintain a net worth of at
least the amount set forth in Section 8(b) of Schedule A.

          (c) TANGIBLE NET WORTH.  Borrower will at all times maintain a minimum
tangible net worth of at least the amount set forth in Section 8(c) of Schedule
A.

          (d) WORKING CAPITAL.  Borrower will at all times maintain working
capital of at least the amount set forth in Section 8(d) of Schedule A.

          (e) NET LOSSES.  Borrower will not permit its cumulative net loss to
exceed the amount set forth in Section 8(e) of Schedule A.

          (f) NET INCOME.  Borrower will not permit its cumulative net income to
be less than the amount set forth in Section 8(f) of Schedule A.

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          (g) LEVERAGE.  Borrower will not permit the ratio of its total
liabilities to its net worth to exceed, at any time, the ratio set forth in
Section 8(g) of Schedule A.

          (h) OTHER FINANCIAL COVENANTS.  Borrower will comply with any
additional financial covenants set forth in Section 8(j) of Schedule A.

6.   RELEASE AND INDEMNITY.

     6.1  RELEASE.  Borrower hereby releases Lender and its Affiliates and their
respective directors, officers, employees, attorneys and agents and any other
Person affiliated with or representing Lender (the "RELEASED PARTIES") from any
and all liability arising from acts or omissions under or pursuant to this
Agreement, whether based on errors of judgment or mistake of law or fact, except
for those arising from willful misconduct.  However, in no circumstance will any
of the Released Parties be liable for lost profits or other special or
consequential damages.  Such release is made on the date hereof and remade upon
each request for a Loan or Credit Accommodation by Borrower.  Without limiting
the foregoing:

          (a) Lender shall not be liable for (i) any shortage or discrepancy in,
damage to, or loss or destruction of, any goods, the sale or other disposition
of which gave rise to an Account; (ii) any error, act, omission, or delay of any
kind occurring in the settlement, failure to settle, collection or failure to
collect any Account; (iii) settling any Account in good faith for less than the
full amount thereof; or (iv) any of Borrower's obligations under any contract or
agreement giving rise to an Account; and

          (b) In connection with Credit Accommodations or any underlying
transaction, Lender shall not be responsible for the conformity of any goods to
the documents presented, the validity or genuineness of any documents, delay,
default or fraud by Borrower, shippers and/or any other Person. Borrower agrees
that any action taken by Lender, if taken in good faith, or any action taken by
an issuer of any Credit Accommodation, under or in connection with any Credit
Accommodation, shall be binding on Borrower and shall not create any resulting
liability to Lender.  In furtherance thereof, Lender shall have the full right
and authority to clear and resolve any questions of non-compliance of documents,
to give any instructions as to acceptance or rejection of any documents or
goods, to execute for Borrower's account any and all applications for steamship
or airway guaranties, indemnities or delivery orders, to grant any extensions of
the maturity of, time of payment for, or time of presentation of, any drafts,
acceptances or documents, and to agree to any amendments, renewals, extensions,
modifications, changes or cancellations of any of the terms or conditions of any
of the Credit Accommodations or applications and other documentation pertaining
thereto.

     6.2  INDEMNITY.  BORROWER HEREBY AGREES TO INDEMNIFY THE RELEASED PARTIES
AND HOLD THEM HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, DEBTS, LIABILITIES,
DEMANDS, OBLIGATIONS, ACTIONS, CAUSES OF ACTION, PENALTIES, COSTS AND EXPENSES
(INCLUDING ATTORNEYS' FEES), OF EVERY NATURE, CHARACTER AND DESCRIPTION, WHICH
THE RELEASED

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PARTIES MAY SUSTAIN OR INCUR BASED UPON OR ARISING OUT OF ANY OF THE
TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT OR THE OTHER LOAN DOCUMENTS OR ANY
OF THE OBLIGATIONS, INCLUDING ANY TRANSACTIONS OR OCCURRENCES RELATING TO THE
ISSUANCE OF ANY CREDIT ACCOMMODATION, THE COLLATERAL RELATING THERETO, ANY
DRAFTS THEREUNDER AND ANY ERRORS OR OMISSIONS RELATING THERETO (INCLUDING ANY
LOSS OR CLAIM DUE TO ANY ACTION OR INACTION TAKEN BY THE ISSUER OF ANY CREDIT
ACCOMMODATION) (AND FOR THIS PURPOSE ANY CHARGES TO LENDER BY ANY ISSUER OF
CREDIT ACCOMMODATIONS SHALL BE CONCLUSIVE AS TO THEIR APPROPRIATENESS AND MAY BE
CHARGED TO THE LOAN ACCOUNT), OR ANY OTHER MATTER, CAUSE OR THING WHATSOEVER
OCCURRED, DONE, OMITTED OR SUFFERED TO BE DONE BY LENDER RELATING TO BORROWER OR
THE OBLIGATIONS (EXCEPT ANY SUCH AMOUNTS SUSTAINED OR INCURRED AS THE RESULT OF
THE WILLFUL MISCONDUCT OF THE RELEASED PARTIES). NOTWITHSTANDING ANY PROVISION
IN THIS AGREEMENT TO THE CONTRARY, THE INDEMNITY AGREEMENT SET FORTH IN THIS
SECTION SHALL SURVIVE ANY TERMINATION OF THIS AGREEMENT.

7.   TERM.

     7.1  MATURITY DATE.  Lender's obligation to make Loans and to provide
Credit Accommodations under this Agreement shall initially continue in effect
until the Maturity Date set forth in Section 7 of Schedule A (the "INITIAL
TERM").  This Agreement and the other Loan Documents and Lender's security
interests in and Liens upon the Collateral, and all representations, warranties
and covenants of Borrower contained herein and therein, shall remain in full
force and effect after the Maturity Date until all of the monetary Obligations
are indefeasibly paid in full.

     7.2  EARLY TERMINATION.  Lender's obligation to make Loans and to provide
Credit Accommodations under this Agreement may be terminated prior to the
Maturity Date as follows:  (i) by Borrower, effective thirty business days after
written notice of termination is given to Lender or (ii) by Lender at any time
after the occurrence of an Event of Default, without notice, effective
immediately; PROVIDED, that if any Affiliate of Borrower is also a party to a
financing arrangement with Lender, no such early termination shall be effective
unless such Affiliate simultaneously terminates its financing arrangement with
Lender.  If so terminated by Borrower under this Section 7.2, Borrower shall pay
to Lender (i) an early termination fee (the "EARLY TERMINATION FEE") in the
amount set forth in Section 6(h) of Schedule A plus (ii) any earned but unpaid
Facility Fee.  Such fee shall be due and payable on the effective date of
termination and thereafter shall bear interest at a rate equal to the highest
rate applicable to any of the Obligations. In addition, if Borrower so
terminates and repays the Obligations without having provided Lender with at
least thirty days' prior written notice thereof, an additional amount equal to
thirty days of interest at the applicable Interest Rate(s), based on the average
outstanding amount of the Obligations for the six month period immediately
preceding the date of termination.

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     7.3  PAYMENT OF OBLIGATIONS.  On the Maturity Date or on any earlier
effective date of termination, Borrower shall pay in full all Obligations,
whether or not all or any part of such Obligations are otherwise then due and
payable.  Without limiting the generality of the foregoing, if, on the Maturity
Date or on any earlier effective date of termination, there are any outstanding
Credit Accommodations, then on such date Borrower shall provide to Lender cash
collateral in an amount equal to 110% of the Credit Accommodation Balance to
secure all of the Obligations (including estimated attorneys' fees and other
expenses) relating to said Credit Accommodations or such greater percentage or
amount as Lender reasonably deems appropriate, pursuant to a cash pledge
agreement in form and substance satisfactory to Lender.

     7.4  EFFECT OF TERMINATION.  No termination shall affect or impair any
right or remedy of Lender or relieve Borrower of any of the Obligations until
all of the monetary Obligations have been indefeasibly paid in full.  Upon
indefeasible payment and performance in full of all of the monetary Obligations
(and the provision of cash collateral with respect to any Credit Accommodation
Balance as required by Section 7.3) and termination of this Agreement, Lender
shall promptly deliver to Borrower termination statements, requests for
reconveyances and such other documents as may be reasonably required to
terminate Lender's security interests in the Collateral.

8.   EVENTS OF DEFAULT AND REMEDIES.

     8.1  EVENTS OF DEFAULT.  The occurrence of any of the following events
shall constitute an "EVENT OF DEFAULT" under this Agreement, and Borrower shall
give Lender immediate written notice thereof: (i) if any warranty,
representation, statement, report or certificate made or delivered to Lender by
Borrower or any of Borrower's officers, employees or agents is untrue or
misleading; (ii) if Borrower fails to pay when due any principal or interest on
any Loan or any other monetary Obligation; (iii) if Borrower breaches any
covenant or obligation contained in this Agreement or any other Loan Document or
fails to perform any other non-monetary Obligation; (iv) if one or more levies,
assessments, attachments, seizures, liens or encumbrances (other than a
Permitted Lien) aggregating in excess of $25,000 are made or permitted to exist
on all or any part of the Collateral, provided that if any such levy,
assessment, attachment, seizure, lien or encumbrance does not specify a fixed
dollar amount, the dollar amount covered by such levy, assessment, attachment,
seizure, lien or encumbrance shall be assumed to be in excess of $25,000, and
further provided, that even if such levies, assessments, seizures, liens or
encumbrances are not in the aggregate in excess of $25,000, Lender shall still
have the right to establish Reserves in connection therewith; (v) if one or more
judgments aggregating in excess of $25,000, or any injunction or attachment, is
obtained against Borrower or any Obligor or which remains unstayed for more than
ten days or is enforced; (vi) provided, that Borrower (A) has received written
notice of such default, the occurrence of any default under any financing
agreement, security agreement or other agreement, instrument or document
executed and delivered by Borrower with, or in favor of, any Person other than
Lender; provided, however, this clause does not apply to non-payment of
dividends by Borrower to its preferred shareholders, unless such non-payment of
dividends gives rise to remedies pursuant to Section

                                       19
<PAGE>

     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
--------------------------------------------------------------------------------

A(8) of Section 2 of Article VI of the Articles of Incorporation of Borrower, or
(B) has received notice of such default or has actual knowledge of such default
the occurrence of any default under any financing agreement, security agreement,
or other agreement, instrument or document executed and delivered by Borrower or
any Affiliate of Borrower with, or in favor of, Lender or any Affiliate of
Lender; (vii) the dissolution, death, termination of existence in good standing,
insolvency or business failure or suspension or cessation of business as usual
of Borrower or any Obligor (or of any general partner of Borrower or any Obligor
if it is a partnership) or the appointment of a receiver, trustee or custodian
for all or any part of the property of, or an assignment for the benefit of
creditors by Borrower or any Obligor, or the commencement of any proceeding by
Borrower or any Obligor under any reorganization, bankruptcy, insolvency,
arrangement, readjustment of debt, dissolution or liquidation law or statute of
any jurisdiction, now or in the future in effect, or if Borrower makes or sends
a notice of a bulk transfer or calls a meeting of its creditors; (viii) the
commencement of any proceeding against Borrower or any Obligor under any
reorganization, bankruptcy, insolvency, arrangement, readjustment of debt,
dissolution or liquidation law or statute of any jurisdiction, now or in the
future in effect; (ix) the actual or attempted revocation or termination of, or
limitation or denial of liability upon, any guaranty of the Obligations, or any
security document securing the Obligations, by any Obligor; (x) if Borrower
makes any payment on account of any indebtedness or obligation which has been
subordinated to the Obligations other than as permitted in the applicable
subordination agreement, or if any Person who has subordinated such indebtedness
or obligations attempts to limit or terminate its subordination agreement; (xi)
if there is any actual or threatened indictment of Borrower or any Obligor under
any criminal statute or commencement or threatened commencement of criminal or
civil proceedings against Borrower or any Obligor, pursuant to which the
potential penalties or remedies sought or available include forfeiture of any
property of Borrower or such Obligor; (xii) if an Event of Default occurs under
any Loan and Security Agreement between Lender and an Affiliate of Borrower; or
(xiii) if Lender determines in good faith that the Collateral is insufficient to
fully secure the Obligations or that the prospect of payment of performance of
the Obligations is impaired.

     8.2  REMEDIES.  Upon the occurrence of any Default, and at any time
thereafter, Lender, at its option, may cease making Loans or otherwise extending
credit to Borrower under this Agreement or any other Loan Document.  Upon the
occurrence of any Event of Default, and at any time thereafter, Lender, at its
option, and without notice or demand of any kind (all of which are hereby
expressly waived by Borrower), may do any one or more of the following: (i)
cease making Loans or otherwise extending credit to Borrower under this
Agreement or any other Loan Document; (ii) accelerate and declare all or any
part of the Obligations to be immediately due, payable and performable,
notwithstanding any deferred or installment payments allowed by any instrument
evidencing or relating to any of the Obligations; (iii) take possession of any
or all of the Collateral wherever it may be found, and for that purpose Borrower
hereby authorizes Lender, without judicial process, to enter onto any of
Borrower's premises without interference to search for, take possession of,
keep, store, or remove any of the Collateral, and remain (or cause a custodian
to remain) on the premises in exclusive control thereof, without charge for so
long as Lender deems it reasonably necessary in order to complete the
enforcement of its rights under this Agreement or any other agreement; PROVIDED,
that if

                                       20
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     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
--------------------------------------------------------------------------------

Lender seeks to take possession of any of the Collateral by court process,
Borrower hereby irrevocably waives (A) any bond and any surety or security
relating thereto required by law as an incident to such possession, (B) any
demand for possession prior to the commencement of any suit or action to recover
possession thereof and (C) any requirement that Lender retain possession of, and
not dispose of, any such Collateral until after trial or final judgment; (iv)
require Borrower to assemble any or all of the Collateral and make it available
to Lender at one or more places designated by Lender which are reasonably
convenient to Lender and Borrower, and to remove the Collateral to such
locations as Lender may deem advisable; (v) complete the processing,
manufacturing or repair of any Collateral prior to a disposition thereof and,
for such purpose and for the purpose of removal, Lender shall have the right to
use Borrower's premises, vehicles and other Equipment and all other property
without charge; (vi) sell, lease or otherwise dispose of any of the Collateral,
in its condition at the time Lender obtains possession of it or after further
manufacturing, processing or repair, at one or more public or private sales, in
lots or in bulk, for cash, exchange or other property, or on credit (a "SALE"),
and to adjourn any such Sale from time to time without notice other than oral
announcement at the time scheduled for Sale (and, in connection therewith, (A)
Lender shall have the right to conduct such Sale on Borrower's premises without
charge, for such times as Lender deems reasonable, on Lender's premises, or
elsewhere, and the Collateral need not be located at the place of Sale; (B)
Lender may directly or through any of its Affiliates purchase or lease any of
the Collateral at any such public disposition, and if permissible under
applicable law, at any private disposition and (C) any Sale of Collateral shall
not relieve Borrower of any liability Borrower may have if any Collateral is
defective as to title, physical condition or otherwise at the time of sale);
(vii) demand payment of and collect any Accounts, Chattel Paper, Instruments and
General Intangibles included in the Collateral and, in connection therewith,
Borrower irrevocably authorizes Lender to endorse or sign Borrower's name on all
collections, receipts, Instruments and other documents, to take possession of
and open mail addressed to Borrower and remove therefrom payments made with
respect to any item of Collateral or proceeds thereof and, in Lender's sole
discretion, to grant extensions of time to pay, compromise claims and settle
Accounts, General Intangibles and the like for less than face value; and (viii)
demand and receive copies of any of Borrower's federal and state income tax
returns and copies of the books and records utilized in the preparation thereof
or relating thereto. In addition to the foregoing remedies, upon the occurrence
of any Event of Default resulting from a breach of any of the financial
covenants set forth in Section 5.19, Lender may, at its option, upon not less
than ten days' prior notice to Borrower, reduce any or all of the Advance Rates
set forth in Section 1(b) of Schedule A to the extent Lender, in its sole
discretion, deems appropriate. In addition to the rights and remedies set forth
above, Lender shall have all the other rights and remedies accorded a secured
party after default under the UCC and under all other applicable laws, and under
any other Loan Document, and all of such rights and remedies are cumulative and
non-exclusive. Exercise or partial exercise by Lender of one or more of its
rights or remedies shall not be deemed an election or bar Lender from subsequent
exercise or partial exercise of any other rights or remedies. The failure or
delay of Lender to exercise any rights or remedies shall not operate as a waiver
thereof, but all rights and remedies shall continue in full force and effect
until all of the Obligations have been fully paid and performed. If notice of
any sale or other disposition of Collateral is required by law, notice at least
seven days prior to the sale designating the time and place of sale in the case
of a

                                       21
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     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
--------------------------------------------------------------------------------

public sale or the time after which any private sale or other disposition is to
be made shall be deemed to be reasonable notice, and Borrower waives any other
notice. If any Collateral is sold or leased by Lender on credit terms or for
future delivery, the Obligations shall not be reduced as a result thereof until
payment is collected by Lender.

     8.3  APPLICATION OF PROCEEDS.  Subject to any application required by law,
all proceeds realized as the result of any Sale shall be applied by Lender to
the Obligations in such order as Lender shall determine in its sole discretion.
Any surplus shall be paid to Borrower or other persons legally entitled thereto;
but Borrower shall remain liable to Lender for any deficiency.  If Lender, in
its sole discretion, directly or indirectly enters into a deferred payment or
other credit transaction with any purchaser at any Sale, Lender shall have the
option, exercisable at any time, in its sole discretion, of either reducing the
Obligations by the principal amount of the purchase price or deferring the
reduction of the Obligations until the actual receipt by Lender of the cash
therefor.

9.   GENERAL PROVISIONS.

     9.1  NOTICES.  All notices to be given under this Agreement shall be in
writing and shall be given either personally, by reputable private delivery
service, by regular first-class mail or certified mail return receipt requested,
addressed to Lender or Borrower at the address shown in the heading to this
Agreement, or by facsimile to the facsimile number shown in Section 9(i) of
Schedule A, or at any other address (or to any other facsimile number)
designated in writing by one party to the other party in the manner prescribed
in this Section 9.1.  All notices shall be deemed to have been given when
received or when delivery is refused by the recipient.

     9.2  SEVERABILITY.  If any provision of this Agreement, or the application
thereof to any party or circumstance, is held to be void or unenforceable by any
court of competent jurisdiction, such defect shall not affect the remainder of
this Agreement, which shall continue in full force and effect.

     9.3  INTEGRATION.  This Agreement and the other Loan Documents represent
the final, entire and complete agreement between Borrower and Lender and
supersede all prior and contemporaneous negotiations, oral representations and
agreements, all of which are merged and integrated into this Agreement.  THERE
ARE NO ORAL UNDERSTANDINGS, REPRESENTATIONS OR AGREEMENTS BETWEEN THE PARTIES
WHICH ARE NOT SET FORTH IN THIS AGREEMENT OR THE OTHER LOAN DOCUMENTS.

     9.4  WAIVERS.  The failure of Lender at any time or times to require
Borrower to strictly comply with any of the provisions of this Agreement or any
other Loan Documents shall not waive or diminish any right of Lender later to
demand and receive strict compliance therewith.  Any waiver of any default shall
not waive or affect any other default, whether prior or subsequent, and whether
or not similar.  None of the provisions of this Agreement or any other Loan
Document shall be deemed to have been waived by any act or knowledge of Lender
or its agents or employees, but only by a specific written waiver signed by an
authorized officer of

                                       22
<PAGE>

     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
--------------------------------------------------------------------------------

Lender and delivered to Borrower. Borrower waives demand, protest, notice of
protest and notice of default or dishonor, notice of payment and nonpayment,
release, compromise, settlement, extension or renewal of any commercial paper,
Instrument, Account, General Intangible, Document, Chattel Paper, Investment
Property or guaranty at any time held by Lender on which Borrower is or may in
any way be liable, and notice of any action taken by Lender, unless expressly
required by this Agreement, and notice of acceptance hereof.

     9.5  AMENDMENT.  The terms and provisions of this Agreement may not be
amended or modified except in a writing executed by Borrower and a duly
authorized officer of Lender.

     9.6  TIME OF ESSENCE.  Time is of the essence in the performance by
Borrower of each and every obligation under this Agreement and the other Loan
Documents.

     9.7  ATTORNEYS FEES AND COSTS.  Borrower shall reimburse Lender for all
reasonable attorneys' and paralegals' fees (including in-house attorneys and
paralegals employed by Lender) and all filing, recording, search, title
insurance, appraisal, audit, and other costs incurred by Lender, pursuant to, in
connection with, or relating to this Agreement, including all reasonable
attorneys' fees and costs Lender incurs to prepare and negotiate this Agreement
and the other Loan Documents; to obtain legal advice in connection with this
Agreement and the other Loan Documents or Borrower or any Obligor; to administer
this Agreement and the other Loan Documents (including the cost of periodic
financing statement, tax lien and other searches conducted by Lender); to
enforce, or seek to enforce, any of its rights; prosecute actions against, or
defend actions by, Account Debtors; to commence, intervene in, or defend any
action or proceeding; to initiate any complaint to be relieved of the automatic
stay in bankruptcy; to file or prosecute any probate claim, bankruptcy claim,
third-party claim, or other claim; to examine, audit, copy, and inspect any of
the Collateral or any of Borrower's books and records; to protect, obtain
possession of, lease, dispose of, or otherwise enforce Lender's security
interests in, the Collateral; and to otherwise represent Lender in any
litigation relating to Borrower. If either Lender or Borrower files any lawsuit
against the other predicated on a breach of this Agreement, the prevailing party
in such action shall be entitled to recover its reasonable costs and attorneys'
fees, including reasonable attorneys' fees and costs incurred in the enforcement
of, execution upon or defense of any order, decree, award or judgment. All
attorneys' fees and costs to which Lender may be entitled pursuant to this
Section shall immediately become part of the Obligations, shall be due on
demand, and shall bear interest at a rate equal to the highest interest rate
applicable to any of the Obligations.

     9.8  BENEFIT OF AGREEMENT; ASSIGNABILITY.  The provisions of this Agreement
shall be binding upon and inure to the benefit of the respective successors,
assigns, heirs, beneficiaries and representatives of Borrower and Lender;
PROVIDED, that Borrower may not assign or transfer any of its rights under this
Agreement without the prior written consent of Lender, and any prohibited
assignment shall be void.  No consent by Lender to any assignment shall release
Borrower from its liability for any of the Obligations.  Lender shall have the
right to assign all or any of its rights and obligations under the Loan
Documents, and to sell participating interests therein, to one or more other
Persons, and Borrower agrees to execute all agreements,

                                       23
<PAGE>

     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
--------------------------------------------------------------------------------

instruments and documents requested by Lender in connection with each such
assignment and participation.

     9.9  HEADINGS; CONSTRUCTION.  Section and subsection headings are used in
this Agreement only for convenience.  Borrower and Lender acknowledge that the
headings may not describe completely the subject matter of the applicable
Sections or subsections, and the headings shall not be used in any manner to
construe, limit, define or interpret any term or provision of this Agreement.
This Agreement has been fully reviewed and negotiated between the parties and no
uncertainty or ambiguity in any term or provision of this Agreement shall be
construed strictly against Lender or Borrower under any rule of construction or
otherwise.

     9.10 GOVERNING LAW; CONSENT TO FORUM, ETC.  THIS AGREEMENT HAS BEEN
NEGOTIATED, EXECUTED AND DELIVERED, AND SHALL BE DEEMED TO HAVE BEEN MADE, IN
NEW YORK, NEW YORK, AND SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH
THE LAWS OF SUCH STATE. BORROWER HEREBY CONSENTS AND AGREES THAT THE STATE AND
FEDERAL COURTS IN NEW YORK, NEW YORK OR THE STATE IN WHICH ANY OF THE COLLATERAL
IS LOCATED SHALL HAVE NON-EXCLUSIVE JURISDICTION TO HEAR AND DETERMINE ANY
CLAIMS OR DISPUTES BETWEEN BORROWER AND LENDER PERTAINING TO THIS AGREEMENT, ANY
OTHER LOAN DOCUMENTS OR ANY MATTER ARISING OUT OF OR RELATED TO THIS AGREEMENT
OR THE OTHER LOAN DOCUMENTS. BORROWER EXPRESSLY SUBMITS AND CONSENTS IN ADVANCE
TO SUCH JURISDICTION IN ANY ACTION OR SUIT COMMENCED IN ANY SUCH COURT, AND
WAIVES ANY OBJECTION WHICH BORROWER MAY HAVE BASED UPON LACK OF PERSONAL
JURISDICTION, IMPROPER VENUE OR FORUM NON CONVENIENS.  BORROWER ALSO AGREES
                                ----- --- ----------
THAT ANY CLAIM OR DISPUTE BROUGHT BY BORROWER AGAINST LENDER PURSUANT TO THIS
AGREEMENT, ANY OTHER LOAN DOCUMENT OR ANY MATTER ARISING OUT OF THIS AGREEMENT
OR ANY OTHER LOAN DOCUMENT SHALL BE BROUGHT EXCLUSIVELY IN THE STATE AND FEDERAL
COURTS OF NEW YORK. BORROWER HEREBY WAIVES PERSONAL SERVICE OF THE SUMMONS,
COMPLAINT AND OTHER PROCESS ISSUED IN ANY SUCH ACTION OR SUIT AND AGREES THAT
SERVICE OF SUCH SUMMONS, COMPLAINT AND OTHER PROCESS MAY BE MADE IN THE MANNER
AND SHALL BE DEEMED RECEIVED AS SET FORTH IN SECTION 9.1 FOR NOTICES, TO THE
EXTENT PERMITTED BY LAW. NOTHING IN THIS AGREEMENT SHALL BE DEEMED OR OPERATE TO
AFFECT THE RIGHT OF LENDER TO SERVE LEGAL PROCESS IN ANY OTHER MANNER PERMITTED
BY LAW, OR TO PRECLUDE THE ENFORCEMENT BY LENDER OF ANY JUDGMENT OR ORDER
OBTAINED IN SUCH FORUM OR THE TAKING OF ANY ACTION UNDER THIS AGREEMENT TO
ENFORCE THE SAME IN ANY OTHER APPROPRIATE FORUM OR JURISDICTION.

     9.11 WAIVER OF JURY TRIAL, ETC.  BORROWER WAIVES (i) THE RIGHT TO TRIAL BY
JURY (WHICH LENDER ALSO WAIVES) IN ANY ACTION, SUIT,

                                       24
<PAGE>

     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
--------------------------------------------------------------------------------

PROCEEDING OR COUNTERCLAIM OF ANY KIND ARISING OUT OF OR RELATED TO ANY OF THE
LOAN DOCUMENTS, THE OBLIGATIONS OR THE COLLATERAL OR ANY CONDUCT, ACTS OR
OMISSIONS OF LENDER OR BORROWER OR ANY OF THEIR RESPECTIVE DIRECTORS, OFFICERS,
EMPLOYEES, ATTORNEYS OR AGENTS OR ANY OTHER PERSONS AFFILIATED WITH LENDER OR
BORROWER, WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE; (ii) THE RIGHT TO
INTERPOSE ANY CLAIMS, DEDUCTIONS, SETOFFS OR COUNTERCLAIMS OF ANY KIND IN ANY
ACTION OR PROCEEDING INSTITUTED BY LENDER WITH RESPECT TO THE LOAN DOCUMENTS OR
ANY MATTER RELATING THERETO, EXCEPT FOR COMPULSORY COUNTERCLAIMS; (iii) NOTICE
PRIOR TO LENDER'S TAKING POSSESSION OR CONTROL OF THE COLLATERAL OR ANY BOND OR
SECURITY WHICH MIGHT BE REQUIRED BY ANY COURT PRIOR TO ALLOWING LENDER TO
EXERCISE ANY OF LENDER'S REMEDIES and (iv) THE BENEFIT OF ALL VALUATION,
APPRAISEMENT AND EXEMPTION LAWS. BORROWER ACKNOWLEDGES THAT THE FOREGOING
WAIVERS ARE A MATERIAL INDUCEMENT TO LENDER'S ENTERING INTO THIS AGREEMENT AND
THAT LENDER IS RELYING UPON THE FOREGOING WAIVERS IN ITS FUTURE DEALINGS WITH
BORROWER. BORROWER WARRANTS AND REPRESENTS THAT IT HAS REVIEWED THE FOREGOING
WAIVERS WITH ITS LEGAL COUNSEL AND HAS KNOWINGLY AND VOLUNTARILY WAIVED ITS JURY
TRIAL RIGHTS FOLLOWING CONSULTATION WITH LEGAL COUNSEL. IN THE EVENT OF
LITIGATION, THIS AGREEMENT MAY BE FILED AS A WRITTEN CONSENT TO A TRIAL BY THE
COURT.

     9.12 NONAPPLICABILITY OF ARTICLE 5069-15.01 ET SEQ.  Borrower and Lender
hereby agree that, except for Section 15.10(b) (as recodified by Section 346.004
of the Tex. Fin. Code or any other successor statute thereof), the provisions of
Tex. Rev. Civ. Stat. Ann. art. 5069-15.01 et seq. (Vernon 1987) (as recodified
                                          ------
by Chapter 346 of the Tex. Fin. Code or any other successor statute thereof)
(regulating certain revolving credit loans and revolving tri-party accounts)
shall not apply to this Agreement or any of the other Loan Documents.

     9.13 WAIVER OF CONSUMER RIGHTS.  BORROWER HEREBY WAIVES ITS RIGHTS UNDER
THE DECEPTIVE TRADE PRACTICES - CONSUMER PROTECTION ACT, SECTION 17.41 ET SEQ.
BUSINESS & COMMERCIAL CODE, A LAW THAT GIVES CONSUMERS SPECIAL RIGHTS AND
PROTECTIONS.  AFTER CONSULTATION WITH AN ATTORNEY OF THE BORROWER'S OWN
SELECTION, THE BORROWER VOLUNTARILY CONSENTS TO THIS WAIVER.  BORROWER EXPRESSLY
WARRANTS AND REPRESENTS THAT THE BORROWER (A) IS NOT IN A SIGNIFICANTLY
DISPARATE BARGAINING POSITION RELATIVE TO THE LENDER, AND (B) HAS BEEN
REPRESENTED BY

                                       25
<PAGE>

     NATIONS CREDIT COMMERCIAL FUNDING        LOAN AND SECURITY AGREEMENT
--------------------------------------------------------------------------------

LEGAL COUNSEL IN CONNECTION WITH THE TRANSACTIONS CONTEMPLATED BY THE AGREEMENT.

                BORROWER HAS READ AND UNDERSTANDS SECTION 9.13:

                /s/ JWC        (INITIALS OF OFFICER OF BORROWER)
               ---------------

     9.14 ORAL AGREEMENTS.  THE WRITTEN LOAN AGREEMENTS REPRESENT THE FINAL
                            -----------------------------------------------
AGREEMENT AMONG THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR,
-----------------------------------------------------------------------------
CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES.  THERE ARE NO
---------------------------------------------------------------------------
UNWRITTEN ORAL AGREEMENTS AMONG THE PARTIES.
--------------------------------------------

     IN WITNESS WHEREOF, Borrower and Lender have signed this Agreement as of
the date set forth in the heading.

BORROWER:                               LENDER:

CLINICOR, INC.                          NATIONSCREDIT COMMERCIAL
                                        CORPORATION, THROUGH ITS
                                        NATIONSCREDIT COMMERCIAL FUNDING
                                        DIVISION


By /s/ JAMES W. CLARK, JR.              By /s/ ROBERT BELLISH
  -------------------------------         ----------------------------------
  Its  Treasurer                          Its Authorized Signatory
      ---------------------------

                                       26
<PAGE>

                                 SCHEDULE A

                         DESCRIPTION OF CERTAIN TERMS

     This Schedule is an integral part of the Loan and Security Agreement
BETWEEN CLINICOR, INC. and NATIONSCREDIT COMMERCIAL CORPORATION, THROUGH ITS
NATIONSCREDIT COMMERCIAL FUNDING DIVISION (the "AGREEMENT").

1. Loan Limits for Revolving Loans:

   (a)  Maximum Facility Amount:          $2,500,000.00

   (b)  Advance Rates:

        (i)  Accounts Advance Rate:       as to Eligible Accounts - 85.0% and as
                                          to Eligible Accrued Unbilled Accounts
                                          - 50.0%; provided, in each case, that
                                          if the Dilution Percentage exceeds
                                          5.0%, such advance rate will be
                                          reduced by the number of full or
                                          partial percentage points of such
                                          excess

        (ii) Inventory Advance Rate(s):

             (A)  Finished goods:         N/A

             (B)  Raw materials:          N/A

             (C)  Work in process:        N/A

   (c)  Accounts Sublimit:                N/A as to Eligible Accounts, as to
                                          Eligible Accrued Unbilled Accounts -
                                          $500,000

   (d)  Inventory Sublimit(s):

        (i)   Overall sublimit on         N/A
              advances against Eligible
              Inventory

        (ii)  Sublimit on advances        N/A
              against finished goods

        (iii) Sublimit on advances        N/A
              against raw materials

<PAGE>

        (iv)  Sublimit on advances        N/A
              against work in process

   (e)  Credit Accommodation Limit:       N/A; No Credit Accommodations will be
                                          provided with this Agreement.

   (f)  Permanent Reserve Amount:         N/A

   (g)  Overadvance Amount:               N/A

2. Loan Limits for Term Loan:

   (a)  Principal Amount:

        (i)  Equipment Advance            N/A

        (ii) Real Property Advance:       N/A

   (b)  Repayment Schedule:

        (i)  Equipment Advance:           N/A

        (ii) Real Property Advance:       N/A

3. Interest Rates:

   (a)  Revolving Loans:                  2.25% per annum in excess of the Prime
                                          Rate

   (b)  Term Loan:                        N/A

4. Minimum Loan Amount:                   $750,000 during initial one year term.
                                          Thereafter, $1,000,000
5. Maximum Days:

   (a)  Maximum days after original
        INVOICE DATE for Eligible         90
        Accounts:

   (b)  Maximum days after original
        INVOICE DUE DATE for Eligible
        Accounts:                         N/A

6. Fees:


<PAGE>

   (a)  Closing Fee:                      $12,500.00

   (b)  Facility Fee:                     One percent (1.0%) of the Maximum
                                          Facility Amount.

   (c)  Servicing Fee:                    N/A

   (d)  Unused Line Fee:                  0.25% per annum

   (e)  Minimum Borrowing Fee:

        (i)  Applicable period:           Each year ending on an anniversary of
                                          the date of the Agreement.

        (ii) Date payable:                Each anniversary of the date of the
                                          Agreement.

   (f)  Success Fee:                      N/A

   (g)  Warrants:                         N/A

   (h)  Early Termination Fee:            If terminated during the first year of
                                          the Initial Term, 4% of the Maximum
                                          Facility Amount. If terminated during
                                          the second year of the Initial Term,
                                          2.0% of the Maximum Facility Amount.
                                          If terminated during the third year of
                                          the Initial Term, 1.5% of the Maximum
                                          Facility Amount. If terminated during
                                          the fourth year of the Initial Term,
                                          0.5% of the Maximum Facility Amount.
                                          The early termination fee shall be
                                          waived if the Loans are refinanced by
                                          NationsBank, N.A. after eighteen
                                          months from the date of the Agreement.

   (i)  Fees for letters of credit and    N/A
        other Credit Accommodations
        (or guaranties thereof by
        Lender):

7. Maturity Date:                         December 19, 2001

8. Financial Covenants:

   (a)  Capital Expenditure Limitation:   N/A


<PAGE>

   (b)  Minimum Net Worth                 N/A
        Requirement:

   (c)  Minimum Tangible Net Worth:       N/A

   (d)  Minimum Working Capital:          N/A

   (e)  Maximum Cumulative Net Loss:      N/A

   (f)  Minimum Cumulative Net            N/A
        Income:

   (g)  Maximum Leverage Ratio:           N/A

   (h)  Limitation on Purchase Money      N/A
        Security Interests:

   (i)  Limitation on Equipment           N/A
        Leases:

   (j)  Additional Financial Covenants:   N/A

9. Borrower Information:

   (a)  Prior Names of Borrower:          Pegasus Tax and Financial Planning
                                          Services, Inc.

   (b)  Prior Trade Names of              N/A
        Borrower:

   (c)  Existing Trade Names of           Clarity Consulting Group, Clinicor
        Borrower:

   (d)  Inventory Locations:              None

   (e)  Other Locations:                  8123 Broadway, San Antonio, Texas;
                                          Royal Albert House, Suite No. 3, Sheet
                                          Street, Windsor, Berks (London,
                                          England); [307 Camp Craft Road, Suite
                                          200, Austin, Texas - currently being
                                          subleased by Borrower to FG Squared
                                          Multimedia Corp.]

   (f)  Litigation:                       None

   (g)  Ownership of Borrower:            N/A


<PAGE>

   (h)  Subsidiaries (and ownership       None
        thereof):

   (i)  Facsimile Numbers:

        Borrower:                         (512) 477-0027

        Lender:                           (312) 443-8275

10. Description of Real Property:         N/A

11. Lender's Bank:                        First National Bank of Chicago/NBD

12. Other Covenants:                      N/A

13. Exceptions to Negative Covenants:     N/A

          IN WITNESS WHEREOF, Borrower and lender have signed this Schedule A as
of the date set forth in the heading to the Agreement.


BORROWER:                               LENDER:

CLINICOR, INC.                          NATIONSCREDIT COMMERCIAL
                                        CORPORATION, THROUGH ITS
                                        NATIONSCREDIT COMMERCIAL FUNDING
                                        DIVISION

By /s/ JAMES W. CLARK, JR.              By /s/ ROBERT BELLISH
  ---------------------------------       --------------------------------------
  Its  Treasurer                          Its Authorized Signatory
     ------------------------------



<PAGE>

                                   SCHEDULE B

                                  DEFINITIONS

      This Schedule is an integral part of the Loan and Security Agreement
between CLINICOR, INC. and NATIONSCREDIT COMMERCIAL CORPORATION, THROUGH ITS
NATIONSCREDIT COMMERCIAL FUNDING DIVISION (the "AGREEMENT").

      As used in the Agreement, the following terms have the following meanings:

          "ACCOUNT" means any right to payment for Goods sold or leased or for
services rendered which is not evidenced by an Instrument or Chattel Paper,
whether or not it has been earned by performance.

          "ACCOUNT DEBTOR" means the obligor on an Account or Chattel Paper.

          "ACCOUNT PROCEEDS" has the meaning set forth in Section 4.1.

          "AFFILIATE" means, with respect to any Person, a relative, partner,
shareholder, member, manager, director, officer, or employee of such Person, any
parent or subsidiary of such Person, or any Person controlling, controlled by or
under common control with such Person or any other Person affiliated, directly
or indirectly, by virtue of family membership, ownership, management or
otherwise.

          "AGREEMENT" and "THIS AGREEMENT" mean the Loan and Security Agreement
of which this Schedule B is a part and the Schedules thereto.

          "AVAILABILITY" has the meaning set forth in Section 1.1(a)

          "BANKRUPTCY CODE" means the United States Bankruptcy Code (11 U.S.C.
(S) 101 et seq.).
        ------

          "BLOCKED ACCOUNT" has the meaning set forth in Section 4.1.

          "BORROWER" has the meaning set forth in the heading to the Agreement.

          "BORROWER'S ADDRESS" has the meaning set forth in the heading to the
Agreement.

          "BUSINESS DAY" means a day other than a Saturday or Sunday or any
other day on which Lender or banks in New York are authorized to close.

          "CHATTEL PAPER" has the meaning set forth in the UCC.

                                      B-1
<PAGE>

          "COLLATERAL" means all property and interests in property in or upon
which a security interest or other Lien is granted pursuant to this Agreement or
the other Loan Documents.

          "CREDIT ACCOMMODATION" has the meaning set forth in Section 1.1(a).

          "CREDIT ACCOMMODATION BALANCE" means the sum of (i) the aggregate
undrawn face amount of all outstanding Credit Accommodations and (ii) all
interest, fees and costs due or, in Lender's estimation, likely to become due in
connection therewith.

          "DEFAULT" means any event which with notice or passage of time, or
both, would constitute an Event of Default.

          "DEFAULT RATE" has the meaning set forth in Section 2.1.

          "DEPOSIT ACCOUNT" has the meaning set forth in the UCC.

          "DILUTION PERCENTAGE" means the gross amount of all returns,
allowances, discounts, credits, write- offs and similar items relating to
Borrower's Accounts computed as a percentage of Borrower's gross sales,
calculated on a ninety (90) day rolling average.

          "DOCUMENT" has the meaning set forth in the UCC.

          "EARLY TERMINATION FEE" has the meaning set forth in Section 7.2.

          "ELIGIBLE ACCOUNT" means, at any time of determination, an Account
which satisfies the general criteria set forth below and which is otherwise
acceptable to Lender (PROVIDED, that Lender may, in its sole discretion, change
the general criteria for acceptability of Eligible Accounts upon at least
fifteen days' prior written notice to Borrower).  An Account shall be deemed to
meet the current general criteria if (i) neither the Account Debtor nor any of
its Affiliates is an Affiliate, creditor or supplier of Borrower; (ii) it does
not remain unpaid more than the earlier to occur of (A) the number of days after
the original INVOICE DATE set forth in Section 5(a) of Schedule A or (B) the
number of days after the original INVOICE DUE DATE set forth in Section 5(b) of
Schedule A; (iii) the Account Debtor or its Affiliates are not past due on other
Accounts owing to Borrower comprising more than 50% of the aggregate amount of
all Accounts owing to Borrower by such Account Debtor or its Affiliates; (iv)
all Accounts owing by the Account Debtor or its Affiliates do not represent more
than 20% of the aggregate amount of all otherwise Eligible Accounts (PROVIDED,
that Accounts which are deemed to be ineligible solely by reason of this clause
(iv) shall be considered Eligible Accounts to the extent of the amount thereof
which does not exceed 20% of all otherwise Eligible Accounts); (v) no covenant,
representation or warranty contained in this Agreement with respect to such
Account (including any of the representations set forth in Section 5.4) has been
breached; (vi) the Account is not subject to any contra relationship,
counterclaim, dispute or set-off (PROVIDED, that Accounts which are deemed to be
ineligible solely by reason of this clause (vi) shall be considered Eligible
Accounts to the extent of the amount thereof which is not affected by such
contra relationships,

                                      B-2
<PAGE>

counterclaims, disputes or set-offs); (vii) the Account Debtor's chief executive
office or principal place of business is located in the United States or
Provinces of Canada which have adopted the Personal Property Security Act or a
similar act, unless (A) the sale is fully backed by a letter of credit, guaranty
or acceptance acceptable to Lender in its sole discretion, and if backed by a
letter of credit, such letter of credit has been issued or confirmed by a bank
satisfactory to Lender, is sufficient to cover such Account, and if required by
Lender, the original of such letter of credit has been delivered to Lender or
Lender's agent and the issuer thereof notified of the assignment of the proceeds
of such letter of credit to Lender or (B) such Account is subject to credit
insurance payable to Lender issued by an insurer and on terms and in an amount
acceptable to Lender; (viii) it is absolutely owing to Borrower and does not
arise from a sale on a bill-and-hold, guarantied sale, sale-or-return, sale- on-
approval, consignment, retainage or any other repurchase or return basis or
consist of progress billings; (ix) Lender shall have verified the Account in a
manner satisfactory to Lender; (x) the Account Debtor is not the United States
of America or any state or political subdivision (or any department, agency or
instrumentality thereof), unless Borrower has complied with the Assignment of
Claims Act of 1940 (31 U.S.C. (S)203 et seq.) or other applicable similar state
or local law in a manner satisfactory to Lender; (xi) it is at all times subject
to Lender's duly perfected, first priority security interest and to no other
Lien that is not a Permitted Lien, and the goods giving rise to such Account (A)
were not, at the time of sale, subject to any Lien except Permitted Liens and
(B) have been delivered to and accepted by the Account Debtor, or the services
giving rise to such Account have been performed by Borrower and accepted by the
Account Debtor; (xii) the Account is not evidenced by Chattel Paper or an
Instrument of any kind and has not been reduced to judgment; (xiii) the Account
Debtor's total indebtedness to Borrower does not exceed the amount of any credit
limit established by Borrower or Lender and the Account Debtor is otherwise
deemed to be creditworthy by Lender (PROVIDED, that Accounts which are deemed to
be ineligible solely by reason of this clause (xiii) shall be considered
Eligible Accounts to the extent the amount of such Accounts does not exceed the
lower of such credit limits); (xiv) there are no facts or circumstances
existing, or which could reasonably be anticipated to occur, which might result
in any adverse change in the Account Debtor's financial condition or impair or
delay the collectibility of all or any portion of such Account and which are
known to Borrower or Lender; (xv) Lender has been furnished with all documents
and other information pertaining to such Account which Lender has requested, or
which Borrower is obligated to deliver to Lender, pursuant to this Agreement;
(xvi) Borrower has not made an agreement with the Account Debtor to extend the
time of payment thereof beyond the time periods set forth in clause (ii) above;
and (xvii) Borrower has not posted a surety or other bond in respect of the
contract under which such Account arose.

          "ELIGIBLE ACCRUED UNBILLED ACCOUNTS" means, at any time of
determination, an Account which otherwise constitutes an Eligible Account,
except that it has not yet been invoiced by Borrower.

          "ELIGIBLE EQUIPMENT" means, at any time of determination, Equipment
owned by Borrower which Lender, in its sole discretion, deems to be eligible for
borrowing purposes.

                                      B-3
<PAGE>

          "ELIGIBLE INVENTORY" means, at any time of determination, Inventory
(other than packaging materials and supplies) which satisfies the general
criteria set forth below and which is otherwise acceptable to Lender (PROVIDED,
that Lender may, in its sole discretion, change the general criteria for
acceptability of Eligible Inventory upon at least fifteen days' prior written
notice to Borrower). Inventory shall be deemed to meet the current general
criteria if (i) it consists of raw materials or finished goods, or work-in-
process that is readily marketable in its current form; (ii) it is in good, new
and saleable condition; (iii) it is not slow-moving, obsolete, unmerchantable,
returned or repossessed; (iv) it is not in the possession of a processor,
consignee or bailee, or located on premises leased or subleased to Borrower, or
on premises subject to a mortgage in favor of a Person other than Lender, unless
such processor, consignee, bailee or mortgagee or the lessor or sublessor of
such premises, as the case may be, has executed and delivered all documentation
which Lender shall require to evidence the subordination or other limitation or
extinguishment of such Person's rights with respect to such Inventory and
Lender's right to gain access thereto; (v) it meets all standards imposed by any
governmental agency or authority; (vi) it conforms in all respects to any
covenants, warranties and representations set forth in the Agreement; (vii) it
is at all times subject to Lender's duly perfected, first priority security
interest and no other Lien except a Permitted Lien; and (viii) it is situated at
an Inventory Location listed in Section 9(d) of Schedule A or other location of
which Lender has been notified as required by Section 5.6.

          "ELIGIBLE REAL PROPERTY" means, at any time of determination, Real
Property owned by Borrower which Lender, in its sole discretion, deems to be
eligible for borrowing purposes.

          "EQUIPMENT" means all Goods which are used or bought for use primarily
in business (including farming or a profession) or by a Person who is a non-
profit organization or governmental subdivision or agency and which are not
Inventory, farm products or consumer goods, including all machinery, molds,
machine tools, motors, furniture, equipment, furnishings, fixtures, trade
fixtures, motor vehicles, tools, parts, dies and jigs, and all attachments,
accessories, accessions, replacements, substitutions, additions or improvements
to, or spare parts for, any of the foregoing.

          "EQUIPMENT ADVANCE" has the meaning set forth in Section 1.1(b).

          "ERISA" means the Employee Retirement Income Security Act of 1974 and
all rules, regulations and orders promulgated thereunder.

          "EVENT OF DEFAULT" has the meaning set forth in Section 8.1.

          "GAAP" means generally accepted accounting principles as in effect
from time to time, consistently applied.

          "GENERAL INTANGIBLES" has the meaning set forth in the UCC, and
includes all books and records pertaining to the Collateral and other business
and financial records in the possession of Borrower or any other Person,
inventions, designs, drawings, blueprints, patents,

                                      B-4
<PAGE>

patent applications, trademarks, trademark applications (other than "intent to
use" applications until a verified statement of use is filed with respect to
such applications) and the goodwill of the business symbolized thereby, names,
trade names, trade secrets, goodwill, copyrights, registrations, licenses,
franchises, customer lists, security and other deposits, causes of action and
other rights in all litigation presently or hereafter pending for any cause or
claim (whether in contract, tort or otherwise), and all judgments now or
hereafter arising therefrom, rights to purchase or sell real or personal
property, rights as a licensor or licensee of any kind, royalties, telephone
numbers, internet addresses, proprietary information, purchase orders, and all
insurance policies and claims (including life insurance, key man insurance,
credit insurance, liability insurance, property insurance and other insurance),
tax refunds and claims, letters of credit, banker's acceptances and guaranties,
computer programs, discs, tapes and tape files in the possession of Borrower or
any other Person, claims under guaranties, security interests or other security
held by or granted to Borrower, all rights to indemnification and all other
intangible property of every kind and nature.

          "GOODS" means all things which are movable at the time the security
interest attaches or which are fixtures (other than money, Documents,
Instruments, Investment Property, Accounts, Chattel Paper, General Intangibles,
or minerals or the like (including oil and gas) before extraction), including
standing timber which is to be cut and removed under a conveyance or contract
for sale, the unborn young of animals, and growing crops.

          "INITIAL TERM" has the meaning set forth in Section 7.1.

          "INSTRUMENT" has the meaning set forth in the UCC.

          "INVENTORY" means all Goods held for sale or lease or furnished or to
be furnished under contracts of service, including all raw materials, work in
process, finished goods, goods in transit and materials and supplies which are
or might be used or consumed in a business or used in connection with the
manufacture, packing, shipping, advertising, selling or finishing of such Goods,
and all products of the foregoing, and shall include interests in goods
represented by Accounts, returned, reclaimed or repossessed goods and rights as
an unpaid vendor.

          "INVESTMENT PROPERTY" shall mean all of Borrower's securities, whether
certificated or uncertificated, securities entitlements, securities accounts,
commodity contracts and commodity accounts.

          "LENDER" has the meaning set forth in the heading to the Agreement.

          "LIEN" means any interest in property securing an obligation owed to,
or a claim by, a Person other than the owner of the property, whether such
interest is based on common law, statute or contract, including rights of
sellers under conditional sales contracts or title retention agreements and
reservations, exceptions, encroachments, easements, rights-of-way, covenants,
conditions, restrictions, leases and other title exceptions and encumbrances
affecting property.  For the purpose of this Agreement, Borrower shall be deemed
to be the owner of any property which it has acquired or holds subject to a
conditional sale agreement or other arrangement

                                      B-5
<PAGE>

pursuant to which title to the property has been retained by or vested in some
other Person for security purposes.

          "LOAN ACCOUNT" has the meaning set forth in Section 2.4.

          "LOAN DOCUMENTS" means the Agreement and all notes, guaranties,
security agreements, certificates, landlord's agreements, Lock Box and Blocked
Account agreements and all other agreements, documents and instruments now or
hereafter executed or delivered by Borrower or any Obligor in connection with,
or to evidence the transactions contemplated by, this Agreement.

          "LOAN LIMITS" means, collectively, the Availability limits and all
other limits on the amount of Loans and Credit Accommodations set forth in this
Agreement.

          "LOANS" means, collectively, the Revolving Loans and any Term Loan.

          "LOCK BOX" has the meaning set forth in Section 4.1.

          "MATURITY DATE" has the meaning set forth in Section 7.1.

          "OBLIGATIONS" means all present and future Loans, advances, debts,
liabilities, obligations, guaranties, covenants, duties and indebtedness at any
time owing by Borrower to Lender, whether evidenced by this Agreement or any
other Loan Document, whether arising from an extension of credit, opening of a
Credit Accommodation, guaranty, indemnification or otherwise (including all
fees, costs and other amounts which may be owing to issuers of Credit
Accommodations and all taxes, duties, freight, insurance, costs and other
expenses, costs or amounts payable in connection with Credit Accommodations or
the underlying goods), whether direct or indirect (including those acquired by
assignment and any participation by Lender in Borrower's indebtedness owing to
others), whether absolute or contingent, whether due or to become due, and
whether arising before or after the commencement of a proceeding under the
Bankruptcy Code or any similar statute, including all interest, charges,
expenses, fees, attorney's fees, expert witness fees, audit fees, letter of
credit fees, loan fees, Early Termination Fees, Minimum Borrowing Fees and any
other sums chargeable to Borrower under this Agreement or under any other Loan
Document.

                                      B-6
<PAGE>

          "OBLIGOR" means any guarantor, endorser, acceptor, surety or other
person liable on, or with respect to, the Obligations or who is the owner of any
property which is security for the Obligations, other than Borrower.

          "PERMITTED LIENS" means:  (i) purchase money security interests in
specific items of Equipment in an aggregate amount not to exceed the limit set
forth in Section 8(h) of Schedule A; (ii) leases of specific items of Equipment
in an aggregate amount not to exceed the limit set forth in Section 8(i) of
Schedule A; (iii) Liens for taxes not yet due and payable; (iv) additional Liens
which are fully subordinate to the security interests of Lender and are
consented to in writing by Lender; (v) security interests being terminated
concurrently with the execution of this Agreement; (vi) Liens of materialmen,
mechanics, warehousemen or carriers arising in the ordinary course of business
and securing obligations which are not delinquent; (vii) Liens incurred in
connection with the extension, renewal or refinancing of the indebtedness
secured by Liens of the type described in clause (i) or (ii) above; PROVIDED,
that any extension, renewal or replacement Lien is limited to the property
encumbered by the existing Lien and the principal amount of the indebtedness
being extended, renewed or refinanced does not increase; (viii) Liens in favor
of customs and revenue authorities which secure payment of customs duties in
connection with the importation of goods; and (ix) security deposits posted in
connection with real property leases or subleases. Lender will have the right to
require, as a condition to its consent under clause (iv) above, that the holder
of the additional Lien sign an intercreditor agreement in form and substance
satisfactory to Lender, in its sole discretion, acknowledging that the Lien is
subordinate to the security interests of Lender, and agreeing not to take any
action to enforce its subordinate Lien so long as any Obligations remain
outstanding, and that Borrower agree that any uncured default in any obligation
secured by the subordinate Lien shall also constitute an Event of Default under
this Agreement.

          "PERSON" means any individual, sole proprietorship, partnership, joint
venture, limited liability company, trust, unincorporated organization,
association, corporation, government or any agency or political division
thereof, or any other entity.

          "PRIME RATE" means, at any given time, the prime rate as quoted in The
Wall Street Journal as the base rate on corporate loans posted as of such time
by at least 75% of the nation's 30 largest banks (which rate is not necessarily
the lowest rate offered by such banks).

          "REAL PROPERTY" means the real property described in Section 10 of
Schedule A.

          "REAL PROPERTY ADVANCE" has the meaning set forth in Section 1.1(b).

          "RELEASED PARTIES" has the meaning set forth in Section 6.1.

          "RESERVES" has the meaning set forth in Section 1.2.

          "REVOLVING LOANS" has the meaning set forth in Section 1.1(b).

          "SALE" has the meaning set forth in Section 8.2.

                                      B-7
<PAGE>

          "SUBSIDIARY" means any corporation or other entity of which a Person
owns, directly or indirectly, through one or more intermediaries, more than 50%
of the capital stock or other equity interest at the time of determination.

          "TERM" means the period commencing on the date of this Agreement and
ending on the Maturity Date.

          "TERM LOAN" has the meaning set forth in Section 1.1(b).

          "UCC" means, at any given time, the Uniform Commercial Code as adopted
and in effect at such time in the State of New York.

     All accounting terms used in this Agreement, unless otherwise indicated,
shall have the meanings given to such terms in accordance with GAAP.  All other
terms contained in this Agreement, unless otherwise indicated, shall have the
meanings provided by the UCC, to the extent such terms are defined therein.
The term "INCLUDING," whenever used in this Agreement, shall mean "including but
not limited to."  The singular form of any term shall include the plural form,
and vice versa, when the context so requires.  References to Sections,
subsections and Schedules are to Sections and subsections of, and Schedules to,
this Agreement.  All references to agreements and statutes shall include all
amendments thereto and successor statutes in the case of statutes.

     IN WITNESS WHEREOF, Borrower and Lender have signed this Schedule B as of
the date set forth in the heading to the Agreement.

BORROWER:                               LENDER:

CLINICOR, INC.                          NATIONSCREDIT COMMERCIAL
                                        CORPORATION, THROUGH ITS
                                        NATIONSCREDIT COMMERCIAL FUNDING
                                        DIVISION

By /s/ JAMES W. CLARK, JR.
  --------------------------------
  Its  Treasurer                        By /s/ ROBERT BELLISH
     -----------------------------        ------------------------------------
                                          Its Authorized Signatory



                                      B-8