<PAGE>   1
                                                                   EXHIBIT 10.11

[SEAFIRST LOGO]

                                  MOSAIX, INC.
                               SUMMARY TERM SHEET

CREDIT FACILITY:

1.   REVOLVING LINE OF CREDIT

     BORROWER:       Mosaix, Inc.

     LINE AMOUNT:    Ten Million Dollars ($10,000,000).

     LOAN PURPOSE:   Working capital and general corporate purposes.

     INTEREST RATE:  Options:
                     - Bank of America's publicly announced reference rate; or
                     - Adjusted LIBOR plus 130 basis points.

                     Term Option:
                     - Bank of America's publicly announced reference rate; or
                     - Adjusted LIBOR plus 175 basis points

     FEE:            Commitment Fee:
                     - 0.20 of 1.00 percent per annum, payable quarterly
                       in arrears.

                     Fee upon execution of Term Option:
                     - 0.125 of 1.00 percent of the principal outstanding at
                       time of conversion.

     EXPIRATION:     May 31, 1998.

     EXPIRATION
     TERM OPTION:    On or before May 31, 1998, Borrower shall have the option
                     to convert revolving credit line to a two-year term loan.

     REPAYMENT
     TERM OPTION:    Repayable in twenty-four equal monthly principal
                     installments, plus monthly interest.

     COLLATERAL:     Unsecured.

II.  OTHER TERMS

     BUSINESS LOAN AGREEMENT:

     -  Amendment to existing Business Loan Agreement to be signed by Borrower
        and Bank.

     REPORTING REQUIREMENTS:

     -  Annual audited financial statements and 10-K report within 120 days.
     -  Quarterly company-prepared financial statements and 10-Q report
        within 45 days.
     -  Annual forecast income statement within 75 days.

     FINANCIAL COVENANTS:

     -  Minimum current ratio            1.75:1 (Previously 2.50:1)
     -  Minimum working capital          $22,000,000 (Unchanged)
     -  Minimum tangible net worth       $45,000,000 (Previously $42,000,000)
     -  Maximum debt-to-worth            1.00:1 (Unchanged)

     TERM OPTION:

     -  Minimum operating cash flow/CPLTD (Unchanged).
          Definition: Operating income of not less than $500,000 plus
          depreciation and amortization expense divided by scheduled principal
          payment of long-term debt plus interest expense on a four quarter
          trailing average, tested quarterly.
<PAGE>   2
                      AMENDMENT TO BUSINESS LOAN AGREEMENT

This Agreement is made between Bank of America National Trust and Savings
Association, doing business as Seafirst Bank, successor by merger to Bank of
America NW, N.A. ("Bank") and Mosaix, Inc., a Washington Corporation and
successor by name change to Digital Systems International, Inc. ("Borrower").
Bank and Borrower are parties to a Business Loan Agreement and wish to make
certain revisions to their loan arrangements as set forth in that Agreement.
Upon execution hereof, that Agreement shall be amended as follows effective
immediately:
  
PART A:

        Availability Period:
        Availability period is hereby extended to May 31, 1998.

PART B, SECTION 4.2 is hereby amended:

        Maintain current assets in an amount at least equal to 1.75 times
        current liabilities, and not less than $22,000,000.

PART B, SECTION 4.3 is hereby amended:

        Maintain a tangible net worth of at least $45,000,000 and not permit
        Borrower's total indebtedness which is not subordinated in a manner
        satisfactory to Bank to exceed 1.00 times Borrower's tangible net worth.

Except as specifically set forth herein, all provisions of the Agreement remain
in full force and effect.

This Amendment to Business Loan Agreement is executed by the parties on this 25
day of June, 1997.


SEAFIRST BANK
Western Wholesale Banking Division

By: /s/ STEVEN E. MELBY
    -------------------
    Steven E. Melby
    Vice President


MOSAIX, INC.

By: /s/ JOHN J. FLAVIO
    ------------------
    John J. Flavio 
    Senior Vice President - Finance & Administration
<PAGE>   3
[SEAFIRST BANK LOGO]                                        LOAN MODIFICATION
                                                                    AGREEMENT

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

This agreement amends the MASTER NOTE FOR MULTIPLE ADVANCES - BUSINESS PURPOSE
dated MAY 31, 1995 ("Note") executed by DIGITAL SYSTEMS INTERNATIONAL, INC.
("Borrower") in favor of Bank of America N.T.&S.A., doing business as Seafirst
Bank, successor by name change to Seattle-First National Bank ("Bank"),
regarding a loan in the maximum principal amount of $10,000,000.00 (the "Loan").
For mutual consideration, Borrower and Bank agree to amend the above loan
documents as follow:

        1.      Maturity Date. The maturity date of the Note is changed to MAY
31, 1998. Bank's commitment to make advances to Borrower under its line of
credit is also extended to MAY 31, 1998.

        2.      Name change. Borrower's name has been changed from Digital
Systems International, Inc. to Mosaix, Inc.

        3.      Other Terms. Except as specifically amended by this agreement or
any prior amendment, all other terms, conditions, and definitions of the Note
and all other security agreements, guarantees, deeds of trust, mortgages, and
other instruments or agreements entered into with regard to the Loan shall
remain in full force and effect.

        DATED JUNE 3, 1997.

Bank:                                   Borrower:

SEAFIRST BANK                           MOSAIX, INC.



By:  /s/ STEVEN E. MELBY                By: /s/ JOHN J. FLAVIO
   --------------------------------        --------------------------------

Title:     Vice President               Title:     Sr. Vice President
      -----------------------------           -----------------------------










<PAGE>   4
[SEAFIRST LOGO]

                            BUSINESS LOAN AGREEMENT
                                        
                                     Part A

This Seafirst Business Loan Agreement ("Agreement") is made between Bank of
America NW, N.A., doing business as Seafirst Bank, ("Bank") and Digital Systems
International, Inc. ("Borrower") with respect to the following:

LINE OF CREDIT      Subject to the terms of this Agreement, Bank will make loans
                    to Borrower under a revolving line of credit as follows:

Total Amount
Available:          Borrower may borrow, repay and reborrow up to a maximum of
                    Ten Million Dollars ($10,000,000.00).

Availability 
Period:             Date of Note through May 31, 1997. However, if loans are
                    made and/or new promissory notes executed after the last
                    date, such advances will be subject to the terms of this
                    Agreement until repaid in full unless a written statement
                    signed by the Bank and Borrower provides otherwise, or a
                    replacement loan agreement is executed. The making of such
                    additional advances alone, however, does not constitute a
                    commitment by the Bank to make any further advances or
                    extend the availability period.

Term Period:        On any Business Day prior to May 31, 1997, so long as
                    Borrower is then in compliance in all respects with the
                    terms and conditions of the Business Loan Agreement,
                    Borrower may elect, in writing delivered to Bank, to convert
                    the loan represented by the Note from a revolving loan to a
                    term loan to be repaid in 24 equal monthly principal
                    installments of the principal amount outstanding under the
                    facility on the date of conversion, provided that the
                    maturity date for this Term Period shall not extend beyond
                    May 31, 1998. The Term Period shall mean the period
                    beginning on the earlier of (a) the date such election is
                    made, or (b) May 31, 1996 (the Conversion Date). Borrower
                    shall pay to Bank a Conversion Fee on the Conversion Date
                    equal to 0.125% of the outstanding principal balance of the
                    Note on the Conversion Date; and the nonusage fee provided
                    for below shall cease to accrue on the Conversion Date.
                    Borrower shall pay to Bank on the Conversion Date the
                    remaining accrued but unpaid nonusage fee.

Interest Rate:      At Borrower's option:

                    (a) Bank's publicly announced prime rate plus 0.00% percent
                        of principal per annum, adjusted on the date of any Bank
                        prime rate change, or;

                    (b) Adjusted LIBOR Rate shall mean for any day that per
                        annum rate equal to the sum of (a) the Margin of 1.30%,
                        (b) the Assessment Rate, if any, and (c) the quotient of
                        (i) the LIBOR Rate as determined for such day, divided
                        by (ii) the Reserve Adjustment. The Adjusted LIBOR Rate
                        on the first day of each Interest Period and on the
                        effective day of any change in the Assessment Rate or
                        Reserve Adjustment. The Adjusted LIBOR Rate shall be for
                        periods of one, two, three or six months.


                                     Page 1
<PAGE>   5
                    (c) In the event Borrower elects the Term Option provided
                        for above, the Margin referred to in paragraph (b) above
                        shall be 1.75%.

                    (d) Bank's reserve adjusted Fixed Rate Index as quoted by
                        Bank on the date the funds are converted for the period
                        for which the rate is being fixed plus 1.75%. The Fixed
                        Rate Index will be adjusted at the holder's option to
                        reflect the holder's cost of statutory reserves, deposit
                        insurance, regulatory capital, taxes and assessments.

Interest
Rate Basis:         All interest will be calculated at the per annum interest
                    rate based on a 360-day year and applied to the actual
                    number of days elapsed.

Prepayment:         Bank may assess a prepayment fee in the event of a partial
                    or complete prepayment. Such prepayment fee will be fully
                    defined and disclosed to Borrower at the time the interest
                    rate is fixed.

Conversion Fee:     On the Conversion Date set forth in the Term Period section
                    above, Borrower shall pay the Conversion Fee described
                    therein; provided that no Conversion Fee shall be due if
                    Borrower pays the Note in full at the end of the revolving
                    period without converting to the Term Period.

Fee on Unutilized
Portion of Line:    On June 30, 1996 and every quarter thereafter, Borrower
                    shall pay a fee based on the average daily unused portion of
                    the line of credit. This fee is calculated as follows: 1/5
                    of 1.00% per annum, payable quarterly in arrears. This
                    nonusage fee shall cease to accrue on the Conversion Date
                    (as defined above). Borrower shall pay back to Bank on the
                    Conversion Date the remaining accrued but unpaid nonusage
                    fee.

Repayment:          At the times and in amounts as set forth in note(s) required
                    under Part B Article 1 of this Agreement.

Collateral:         Unsecured.


                                     Page 2
<PAGE>   6


[SEAFIRST LOGO]


                            BUSINESS LOAN AGREEMENT

                                     PART B

1.   PROMISSORY NOTE(S). All loans shall be evidenced by promissory notes in a
     form and substance satisfactory to Bank.

2.   CONDITIONS TO AVAILABILITY OF LOAN/LINE OF CREDIT. Before Bank is obligated
     to disburse/make any advance, or at any time thereafter which Bank deems
     necessary and appropriate, Bank must receive all of the following, each of
     which must be in form and substance satisfactory to Bank ("loan
     documents"):
             
     2.1  Original, executed promissory note(s);

     2.2  Original executed security agreement(s) and/or deed(s) of trust
          covering the collateral described in Part A; N/A

     2.3  All collateral described in Part A in which Bank wishes to have a
          possessory security interest; N/A

     2.4  Financing statement(s) executed by Borrower; N/A

     2.5  Such evidence that Bank may deem appropriate that the security
          interests and liens in favor of Bank are valid, enforceable, and prior
          to the rights and interests of others except those consenting to in
          writing by Bank; N/A

    +2.6  The following guaranty(ies) in favor of the Bank; N/A

    +2.7  Subordination agreement(s) in favor of Bank executed by; N/A

     2.8  Evidence that the execution, delivery, and performance by Borrower of
          this Agreement and the execution, delivery, and performance by
          Borrower and any corporate guarantor or corporate subordinating
          creditor of any instrument or agreement required under this
          Agreement, as appropriate, have been duly authorized;

     2.9  Any other document which is deemed by the Bank to be required from
          time to time to evidence loans or to effect the provisions of this
          Agreement;

     2.10 If requested by Bank, a written legal opinion expressed to Bank, of
          counsel for Borrower as to the matters set forth in sections 3.1 and
          3.2, and to the best of such counsel's knowledge after reasonable
          investigation, the matters set forth in sections 3.3, 3.5, 3.6, 3.7,
          3.8 and such other matters as the Bank may reasonably request; N/A

     2.11 Pay or reimburse Bank for any out-of-pocket expenses expended in
          making or administering the loans made hereunder including without
          limitation attorney's fees (including allocated costs of in-house
          counsel);

    +2.12 Other (describe): N/A




                                     Page 3
Rev. 11/93
<PAGE>   7
3.   REPRESENTATIONS AND WARRANTIES. Borrower represents and warrants to Bank,
     except as Borrower has disclosed to Bank in writing, as of the date of this
     Agreement and hereafter so long as credit granted under this Agreement is
     available and until full and final payment of all sums outstanding under
     this Agreement is available and until full and final payment of all sums
     outstanding under this Agreement and promissory notes that:

    +3.1  Borrower is duly organized and existing under the laws of the state
          of its organization as a:

                                General           Limited            Sole     
           X Corporation      Partnership       Partnership      Proprietorship
          ---              ---               ---              ---


                              dba
                                  ----------------------------

          Borrower is properly licensed and in good standing in each state in
          which Borrower is doing business and Borrower has qualified under, and
          complied with, where required, the fictitious or trade name statutes
          of each state in which Borrower is doing business, and Borrower has
          obtained all necessary government approvals for its business
          activities; the execution, delivery, and performance of this
          Agreement and such notes and other instruments required herein are
          within Borrower's powers, have been duly authorized, and, as to
          Borrower and any guarantor, are not in conflict with the terms of any
          charter, bylaw, or other organization papers of Borrower, and this
          Agreement, such notes and the loan documents are valid and enforceable
          according to their terms;

     3.2  The execution, delivery, and performance of this Agreement, the loan
          documents and any other instruments are not in conflict with any law
          or any indenture, agreement or undertaking to which Borrower is a 
          party or by which Borrower is bound or affected;

     3.3  Borrower has title to each of the properties and assets as reflected
          in its financial statements (except such assets which have been sold
          or otherwise disposed of in the ordinary course of business), and no
          assets or revenues of the Borrower are subject to any lien except as
          required or permitted by this Agreement, disclosed in its financial
          statements or otherwise previously disclosed to Bank in writing;

     3.4  All financial information, statements as to ownership of Borrower and
          all other statements submitted by Borrower to Bank, whether previously
          or in the future, are and will be true and correct in all material
          respects upon submission and are and will be complete upon submission
          insofar as may be necessary to give Bank a true and accurate knowledge
          of the subject matter thereof;

     3.5  Borrower has filed all tax returns and reports as required by law to
          be filed and has paid all taxes and assessments applicable to Borrower
          or to its properties which are presently due and payable, except those
          being contested in good faith;

     3.6  There are no proceedings, litigation or claims (including unpaid
          taxes) against Borrower pending or, to the knowledge of the Borrower,
          threatened, before any court or government agency, and no other event
          has occurred which may have a material adverse effect on Borrower's
          financial condition;

     3.7  There is no event which is, or with notice or lapse of time, or both,
          would be, an Event of Default (as defined in Section 7) under this
          Agreement;

4.   AFFIRMATIVE COVENANTS. So long as credit granted under this Agreement is
     available and until full and final payment of all sums outstanding under
     this Agreement and promissory note(s) Borrower will:

    +4.1  Use the proceeds of the loans covered by this Agreement only in
          connection with Borrower's business activities and exclusively for the
          following purposes: Working capital and general corporate purposes.

    +4.2  Maintain current assets in an amount at least equal to 2.50 times
          current liabilities, and not less than $22,000,000. Current assets and
          current liabilities shall be determined in accordance with generally
          accepted accounting principles and practices, consistently applied;

    +4.3  Maintain a tangible net worth of at least $42,000,000 and not permit
          Borrower's total indebtedness which is not subordinated in a manner
          satisfactory to Bank to exceed




                                     Page 4
Rev. 11/93




<PAGE>   8
        1.00 times Borrower's tangible net worth. "Tangible net worth" means the
        excess of total assets over total liabilities, excluding, however, from
        the determination of total assets (a) all assets which should be
        classified as intangible assets such as goodwill, patents, trademarks,
        copyrights, franchises, and deferred charges (including unamortized debt
        discount and research and development costs), (b) treasury stock, (c)
        cash held in a sinking or other similar fund established for the purpose
        of redemption or other retirement of capital stock, (d) to the extent
        not already deducted from total assets, reserves for depreciation,
        depletion, obsolescence or amortization of properties and other reserves
        or appropriations of retained earnings which have been or should be
        established in connection with the business conducted by the relevant
        corporation, and (e) any revaluation or other write-up in book value of
        assets subsequent to the fiscal year of such corporation last ended at
        the date of this Agreement. "Tangible Net Worth" definition - tangible
        assets to include net capitalized software costs of Borrower;

 4.4    N/A

+4.5    Promptly give written notice to Bank of: (a) all litigation and claims
        made or threatened affecting Borrower where the amount is $1,000,000 or
        more; (b) any substantial dispute which may exist between Borrower and
        any governmental regulatory body or law enforcement authority; (c) any
        Event of Default under this Agreement or any other agreement with Bank
        or any other creditor or any event which become an Event of Default; and
        (d) any other matter which has resulted or might result in a material
        adverse change in Borrower's financial condition or operations;

+4.6    Borrower shall as soon as available, but in any event within 120 days
        following the end of each Borrower's fiscal years and within 45 days
        following the end of each quarter provide to Bank, in a form
        satisfactory to Bank such financial statements, Form 10-K Reports and
        Form 10-Q Reports and other information respecting the financial
        condition and operations of Borrower as Bank may reasonably request.
        Borrower's fiscal year financial statement shall be audited by an
        independent certified public accounting firm.

 4.7    Borrower will maintain in effect insurance with responsible insurance
        companies in such amounts and against such risks as is customarily
        maintained by persons engaged in businesses similar to that of Borrower
        and all policies covering property given as security for the loans shall
        have loss payable clauses in favor of Bank. Borrower agrees to deliver
        to Bank such evidence of insurance as Bank may reasonably require and,
        within thirty (30) days after notice from Bank, to obtain such
        additional insurance with an insurer satisfactory to the Bank;

 4.8    Borrower will pay all indebtedness taxes and other obligations for which
        the Borrower is liable or to which its income or property is subject
        before they shall become delinquent, except any which is being contested
        by the Borrower in good faith;

 4.9    Borrower will continue to conduct its business as presently constituted,
        and will maintain and preserve all rights, privileges and franchises now
        enjoyed, conduct Borrower's business in an orderly, efficient and
        customary manner, keep all Borrowers properties in good working order
        and condition, and from time to time make all needed repairs, renewals
        or replacements so that the efficiency of Borrower's properties shall be
        fully maintained and preserved;

 4.10   Borrower will maintain adequate books, accounts and records and prepare
        all financial statements required hereunder in accordance with generally
        accepted accounting principles and practices consistently applied, and
        in compliance with the regulations of any governmental regulatory body
        having jurisdiction over Borrower or Borrower's business;

 4.11   Borrower will permit representatives of Bank to examine and make copies
        of the books and records of Borrower and to examine the collateral of
        the Borrower at reasonable times;

 4.12   Borrower will perform, on request of Bank, such acts as may be necessary
        or advisable to perfect any lien or security interest provided for
        herein or otherwise carry out the intent of this Agreement;

 4.13   Borrower will comply with all applicable federal, state and municipal
        laws, ordinances, rules and regulations relating to its properties,
        charters, businesses and operations, including compliance with all
        minimum funding and other requirements related to any of Borrower's
        employee benefit plans;

 4.14   Borrower will permit representatives of Bank to enter onto Borrower's
        properties to inspect and test Borrower's properties as Bank, in its
        sole discretion, may deem appropriate to determine Borrower's compliance
        with section 5.8 of this Agreement; provided, however, that any such
        inspections and tests shall be for Bank's sole benefit and shall not be


                                     Page 5
Rev. 11/93
<PAGE>   9
          construed to create any responsibility or liability on the part of
          Bank to Borrower or to any third party.

     4.15 In the event Borrower elects to convert the loan represented by the
          Note from a revolving loan to a term loan, Borrower shall maintain
          minimum Debt Service Coverage of at least 1.20:1. Debt Service
          Coverage shall be defined as Operating Income of not less than
          $500,000 plus Depreciation and Amortization divided by scheduled
          principal payments of long-term debt plus interest expense on a four
          quarter trailing average, tested quarterly. Operating income is that
          amount scheduled in Borrower's financial statements.

5.   NEGATIVE COVENANTS. So long as credit granted under this Agreement is
     available and until full and final payment of all sums outstanding under
     this Agreement and promissory note(s):

    *5.1  N/A;

     5.2  N/A;

    *5.3  N/A;

     5.4  N/A;

    *5.5  N/A;

     5.6  Borrower will not liquidate or dissolve or enter into any
          consolidation, merger, pool, joint venture, syndicate or other
          combination, or sell, lease, or dispose of Borrower's business assets
          as a whole or such as in the opinion of Bank constitute a substantial
          portion of Borrower's business or assets;

     5.7  Borrower will not engage in any business activities or operations
          substantially different from or unrelated to present business
          activities or operations; and

     5.8  N/A;

6.   WAIVER, RELEASE AND INDEMNIFICATION. Borrower hereby:

     (a) releases and waives any claims against Bank for indemnity or
     contribution in the event Borrower becomes liable for cleanup or other
     costs under any of the applicable federal, state or local laws, regulations
     or ordinances, including without limitation those described in section 3.8,
     and (b) agrees to indemnify and hold Bank harmless from and against any and
     all claims, losses, liabilities, damages, penalties and expenses which Bank
     may directly or indirectly sustain or suffer resulting from a breach of (i)
     any of Borrower's representations and warranties with respect to hazardous
     wastes and hazardous substances contained in section 3.8, or (ii) section
     5.8. The provisions of this section 6 shall survive the full and final
     payment of all sums outstanding under this Agreement and promissory notes
     and shall not be affected by Bank's acquisition of any interest in any of
     the Borrower's properties, whether by foreclosure or otherwise.

7.   Events of Default. The occurrence of any of the following events ("Events
     of Default") shall terminate any and all obligations on the part of Bank to
     make or continue the loan and/or line of credit and, at the option of Bank,
     shall make all sums of interest and principal outstanding under the loan
     and/or line of credit immediately due and payable, without notice of
     default, presentment or demand for payment, protest or notice of non
     payment or dishonor, or other notices or demands of any kind or character,
     all of which are waived by Borrower, and Bank may proceed with collection
     of such obligations and enforcement and realization upon all security which
     it may hold and to the enforcement of all rights hereunder or at law:

     7.1  The Borrower shall fail to pay when due any amount payable by it
          hereunder on any loans or notes executed in connection herewith;

     7.2  Borrower shall fail to comply with the provisions of any other
          covenant, obligation or term of this Agreement for a period of fifteen
          (15) days after the earlier of written notice thereof shall have been
          given to the Borrower by Bank or Borrower or any Guarantor has
          knowledge of an Event of Default or an event that can become an Event
          of Default;

     7.3  Borrower shall fail to pay when due any other obligation for borrowed
          money, or to perform any term or covenant on its part to be performed
          under any agreement relating to such obligation or any such other debt
          shall be declared to be due and payable and such failure shall
          continue after the applicable grace period;

     7.4  Any representation or warranty made by Borrower in this Agreement or
          in any other statement to Bank shall prove to have been false or
          misleading in any material respect when made;

                                     
                                     Page 6
Rev. 11/93
<PAGE>   10
        7.5     Borrower makes an assignment for the benefit of creditors, files
                a petition in bankruptcy, is adjudicated insolvent or bankrupt,
                petitions to any court for a receiver or trustee for Borrower or
                any substantial part of its property, commences any proceeding
                relating to the arrangement, readjustment, reorganization of
                liquidation under any bankruptcy or similar laws, or if there is
                commenced against Borrower any such proceedings which remain
                undismissed for a period of thirty (30) days or, if Borrower by
                any act indicates its consent or acquiescence in any such
                proceeding or the appointment of any such trustee or receiver;

       +7.6     Any judgment attaches against Borrower or any of its properties
                for an amount in excess of $1,000,000 which remains unpaid,
                unstayed on appeal, unbonded, or undismissed for a period of
                thirty (30) days;

        7.7     Loss of any required government approvals, and/or any
                governmental regulatory authority takes or institutes action
                which, in the opinion of Bank, will adversely affect Borrower's
                condition, operations or ability to repay the loan and/or line
                of credit; 

        7.8     Failure of Bank to have a legal, valid and binding first lien
                on, or a valid and enforceable prior perfected security interest
                in, any property covered by any deed of trust or security
                agreement required under this Agreement;

        7.9     Borrower ceases to exist as a going concern; 

        7.10    Occurrence of an extraordinary situation which gives Bank
                reasonable grounds to believe that Borrower may not, or will be
                unable to, perform its obligations under this or any other
                agreement between Bank and Borrower; or
       
        7.11    Any of the preceding events occur with respect to any
                guarantor of credit under this Agreement, or such guarantor dies
                or becomes incompetent, unless the obligations arising under the
                guaranty and related agreements have been unconditionally
                assumed by the guarantor's estate in a manner satisfactory to
                Bank.

 8.     SUCCESSORS; WAIVERS. Notwithstanding the Events of Default above, this
        Agreement shall be binding upon and inure to the benefit of Borrower
        and Bank, their respective successors and assigns, except that Borrower
        may not assign its rights hereunder. No consent or waiver under this
        Agreement shall be effective unless in writing and signed by the Bank
        and shall not waive or affect any other default, whether prior or
        subsequent thereto, and whether of the same or different type. No delay
        or omission on the part of the Bank in exercising any right shall
        operate as a waiver of such right or any other right.

9.      ARBITRATION.

        9.1     At the request of either Bank or Borrower any controversy or
                claim between the Bank and Borrower, arising from or relating to
                this Agreement or any Loan Document executed in connection with
                this Agreement or arising from any alleged tort shall be settled
                by arbitration in King County, Washington. The United States
                Arbitration Act will apply to the arbitration proceedings which
                will be administered by the American Arbitration Association
                under its commercial rules of arbitration except that unless the
                amount of the claim(s) being arbitrated exceeds $5,000,000 there
                shall be only one arbitrator. Any controversy over whether any
                issue is arbitrable shall be determined by the arbitrator(s).
                Judgment upon the arbitration award may be entered in any court
                having jurisdiction. The institution and maintenance of any
                action for judicial relief or pursuit of a provisional or
                ancillary remedy shall not constitute a waiver of the right of
                either party, including plaintiff, to submit the controversy or
                claim to arbitration if such action for judicial relief is
                contested.

                For purposes of the application of the statute of limitations
                the filing of an arbitration as provided herein is the
                equivalent of filing a lawsuit and the arbitrator(s) will have
                the authority to decide whether any claim or controversy is
                barred by the statute of limitations, and if so, to dismiss the
                arbitration on that basis. The parties consent to the joinder in
                the arbitration proceedings of any guarantor, hypothecator or
                other party having an interest related to the claim or
                controversy being arbitrated.

        9.2     Notwithstanding the provisions of Section 9.1, no controversy or
                claim shall be submitted to arbitration without the consent of
                all parties if at the time of the proposed submission, such
                controversy or claim arises from or relates to an obligation
                secured by real property;

        9.3     No provision of this Section 9 shall limit the right of the
                Borrower or the Bank to exercise self-help remedies such as
                setoff, foreclosure or sale of any collateral, or obtaining any
                ancillary provisional or interim remedies from a court of
                competent jurisdiction before, after or during the pendency of
                any arbitration proceeding. The exercise of any such remedy does
                not waive the right of either party to request arbitration. At
                Bank's open foreclosure


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<PAGE>   11


                under any deed of trust may be accomplished by exercise of the
                power of sale under the deed of trust or judicial foreclosure as
                a mortgage.

 10.    COLLECTION ACTIVITIES, LAWSUITS AND GOVERNING LAW. Borrower
        agrees to pay Bank all costs and expenses (including reasonable
        attorney's fees and the allocated cost for in-house legal services
        incurred by Bank), to enforce this Agreement, any notes or any Loan
        Documents pursuant to this Agreement, whether or not suit is
        instituted. If suit is instituted by Bank to enforce this Agreement, or
        any of these documents, Borrower consents to the personal jurisdiction
        of the Courts of the State of Washington and Federal Courts located in
        the State of Washington. Borrower further consents to the venue of
        this suit, being laid in King County, Washington. This Agreement and
        any notes and security agreements entered into pursuant to this
        Agreement shall be construed in accordance with the laws of the State
        of Washington.

+11.    ADDITIONAL PROVISIONS. Borrower agrees to the additional provisions set
        forth immediately following this Section 11 or on any Exhibit attached
        to and hereby incorporated into Agreement. This Agreement supersedes
        all oral negotiations or agreements between Bank and Borrower with
        respect to the subject matter hereof and constitutes the entire
        understanding and Agreement of the matters set forth in this Agreement.

        11.1    If any provision of this Agreement is held to be invalid or
                unenforceable, then (a) such provision shall be deemed modified
                if possible, or if not possible, such provision shall be deemed
                stricken, and (b) all other provisions shall remain in full
                force and effect.

        11.2    If the imposition of or any change in any law, rule, or
                regulation guideline or the interpretation or application of
                any thereof by any court of administrative or governmental
                authority (including any request or policy whether or not
                having the force of law) shall impose or modify any taxes
                (except U.S. federal, state or local income or franchise taxes
                imposed on Bank), reserve requirements, capital adequacy
                requirements or other obligations which would: (a) increase the
                cost to Bank for extending or maintaining any loans and/or line
                of credit to which this Agreement relates, (b) reduce the
                amounts payable to Bank under this Agreement, such notes and
                other instruments, or (c) reduce the rate of return on Bank's
                capital as a consequence of Bank's obligations with respect to
                any loan and/or line of credit to which this Agreement relates,
                then Borrower agrees to pay Bank such additional amounts as
                will compensate Bank therefor, within five (5) days after
                Bank's written demand for such payment, which demand shall be
                accompanied by an explanation of such imposition or charge and
                a calculation in reasonable detail of the additional amounts
                payable by Borrower, which explanation and calculations shall
                be conclusive, absent manifest error.

        11.3    Bank may sell participations in or assign this loan in whole or
                in part without notice to Borrower and Bank may provide
                information regarding the Borrower and this Agreement to any
                prospective participant or assignee. If a participation is sold
                or the loan is assigned the purchaser will have the right to
                set off against the Borrower and may enforce its interest in
                the Loan irrespective of any claims or defenses the Borrower
                may have against the Bank.

        11.4    Nothing in this Business Loan Agreement is intended to restrict
                the Borrower's normal business activities, including marketing
                new product lines similar to the existing product lines into
                existing markets or marketing the existing product lines into
                new markets.

        11.5    Nothing in this Business Loan Agreement is intended to restrict
                the sale of a portion or all of the Borrower to new investors.
                However, if a controlling interest in the Borrower is to be
                sold to a new investor, the Bank shall have the right to demand
                immediate payment in full of all loans outstanding and accrued
                interest and fees prior to that sale.

        11.6    Borrower will provide Bank with annual operating statement
                projections within 75 days of fiscal year-end.

 12.    NOTICES. Any notices shall be given in writing to the opposite party's
        signature below or as that party may otherwise specify in writing.

 13.    ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, EXTEND CREDIT, OR TO
        FORBEAR FROM ENFORCING REPAYMENT OF A DEBT ARE NOT ENFORCEABLE UNDER
        WASHINGTON LAW.



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<PAGE>   12
This Business Loan Agreement (Parts A and B) executed by the parties on
_______, 1996. Borrower acknowledges having read all of the provisions of this
Agreement and Borrower agrees to its terms.

SEAFIRST BANK
Western Commercial Banking Division, Team 2


By: /s/ STEVEN E. MELBY
    --------------------------------
    Steven E. Melby, Vice President   

Address:        10500 N.E. 8th Street, Suite 500
                Bellevue, WA 98004
Phone:          (206) 585-6390
Fax:            (206) 585-6393


DIGITAL SYSTEMS INTERNATIONAL, INC.


By: 
    --------------------------------------
    Patrick S. Howard, Chairman and C.E.O.
       

By: /s/ JOHN J. ELEVIO
    --------------------------------------
    John J. Elevio, Senior Vice President - Finance & Administration


By: /s/ RICHARD L. ANDERSON
    --------------------------------------
    Richard L. Anderson, Vice President/Controller


Address:        6464 185th Avenue N.E.
                Redmond, WA 98052
Phone:          (206) 881-7544
Fax:            (206) 881-1871






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