Document:

<PAGE>

                                                                   EXHIBIT 10.62
September 8, 2000

NOVA Corporation
NOVA Information Systems, Inc.
One Concourse Parkway, Suite 300
Atlanta, GA 30328
Attn:  Stephen M. Scheppmann

               Re:  Revolving Credit Facility
                    -------------------------

Ladies and Gentlemen:

BANK OF AMERICA, N.A. (the "Lender") is pleased to make available to NOVA
                            ------
Corporation, a Georgia corporation ("NOVA") and NOVA Information Systems, Inc.,
                                     ----
a Georgia corporation ("NIS"; each of NOVA and NIS, individually, a "Borrower"
                        ---                                          --------
and collectively, the "Borrowers"), a revolving credit facility on the terms and
                       ---------
subject to the conditions set forth below.  Terms not defined herein have the
meanings assigned to them in Exhibit A hereto.
                             ---------

1.  The Facility.

     (a)  The Commitment.  Subject to the terms and conditions set forth herein,
          the Lender agrees to make available to the Borrowers until the
          Maturity Date a revolving credit facility providing for loans

          ("Loans") in an aggregate principal amount not exceeding at any time
            -----
          $25,000,000 (the "Commitment").  Within the foregoing limit, the
                            ----------
          Borrowers may borrow, repay and reborrow Loans until the Maturity
          Date.

     (b)  Borrowings, Conversions, Continuations.  Each of the Borrowers may
          request that Loans be (i) made as or converted to Base Rate Loans by
          irrevocable notice to be received by the Lender not later than 2 p.m.
          (Charlotte time) on the Business Day of the borrowing or conversion,
          or (ii) made or continued as, or converted to, Eurodollar Rate Loans
          by irrevocable notice to be received by the Lender not later than 2
          p.m. (Charlotte time) three Business Days prior to the Business Day of
          the borrowing, continuation or conversion.  If the Borrowers fail to
          give a notice of conversion or continuation prior to the end of any
          Interest Period in respect of any Eurodollar Rate Loan, the Borrowers
          shall be deemed to have requested that such Loan be converted to a
          Base Rate Loan on the last day of the applicable Interest Period.
          Notices pursuant to this Paragraph 1(b) may be given by telephone if
                                   --------------
          promptly confirmed in writing.

          Each Eurodollar Rate Loan shall be in a principal amount of $1,000,000
          or a whole multiple of $500,000 in excess thereof.  Each Base Rate
          Loan shall be in a minimum principal amount of $500,000 or a whole
          multiple of $100,000 in excess thereof.  There shall not be more than
          5 different Interest Periods in effect at any time.

     (c)  Interest.  At the option of the Borrowers, Loans shall bear interest
          at a rate per annum equal to (A) from the date hereof through the
          first Calculation Date under the Incorporated Agreement to occur on or
          after November 13, 2000, (i) the Eurodollar Rate plus 1.25% or (ii)
                                                           ----
          the Base Rate and (B) from the first Calculation Date under the
          Incorporated Agreement to occur on or after November 14, 2000 and
          thereafter, (i) the Applicable Percentage for Eurodollar Loans as then
          determined under the Incorporated Agreement plus 0.25% or (ii) the
                                                      ----
          Applicable Percentage for Base Rate Loans as then determined under the
          Incorporated Agreement plus 0.25%.  Interest on Base Rate Loans shall
                                 ----
          be calculated on the basis of a year of 365 or 366 days and actual
          days elapsed.  All
<PAGE>

          other interest hereunder shall be calculated on the
          basis of a year of 360 days and actual days elapsed.

          The Borrowers promise to pay interest (i) for each Eurodollar Rate
          Loan, (A) on the last day of the applicable Interest Period, and (B)
          on the date of any conversion of such Loan to a Base Rate Loan; (ii)
          for Base Rate Loans, on the last Business Day of each calendar month;
          and (iii) for all Loans, on the Maturity Date.  If the time for any
          payment is extended by operation of law or otherwise, interest shall
          continue to accrue for such extended period.

          After the date any principal amount of any Loan is due and payable
          (whether on the Maturity Date, upon acceleration or otherwise), or
          after any other monetary obligation hereunder shall have become due
          and payable, the Borrower shall pay, but only to the extent permitted
          by law, interest (after as well as before judgment) on such amounts at
          a rate per annum equal to the Base Rate plus 2%.  Such interest shall
          be payable on demand.

          In no case shall interest hereunder exceed the amount that the Lender
          may charge or collect under applicable law.

     (d)  Evidence of Loans.  The Loans and all payments thereon shall be
          evidenced by the Lender's loan accounts and records.  Such loan
          accounts and records shall be conclusive absent manifest error of the
          amount of the Loans and payments thereon.  Any failure to record any
          Loan or payment thereon or any error in doing so shall not limit or
          otherwise affect the obligation of the Borrowers to pay any amount
          owing with respect to the Loans.

     (e)  Unused Fee.  The Borrowers promise to pay a commitment fee of (i) from
          the date hereof through the first Calculation Date under the
          Incorporated Agreement to occur on or after November 13, 2000, 0.30%
          per annum on the actual daily unused portion of the Commitment and
          (ii) from the first Calculation Date under the Incorporated Agreement
          to occur on or after November 14, 2000 and thereafter, the Applicable
          Percentage for Unused Fees as then determined under the Incorporated
          Agreement plus 0.05%, payable in arrears on the last Business Day of
                    ----
          each calendar quarter and on the Maturity Date, and calculated on the
          basis of a year of 360 days and actual days elapsed.

     (f)  Repayment.  The Borrowers promise to pay all Loans then outstanding on
          the Maturity Date.  The obligations of the Borrowers, as Borrowers,
          are several and not joint obligations of each of the Borrowers.

     (g)  Prepayments.  The Borrowers may prepay Loans in accordance with and
          subject to the provisions of Section 3.3(a) the Incorporated
          Agreement.

     (h)  Commitment Reductions.  The Borrowers may, upon five Business Days'
          notice, reduce or cancel the undrawn portion of the Commitment,

          provided, that the amount of such reduction is not less than
          --------
          $5,000,000 or a whole multiple of $1,000,000 in excess thereof.

                                       2
<PAGE>

2.   Conditions Precedent to Loans.

     (a)  Conditions Precedent to Initial Loan.  As a condition precedent to the
          initial Loan hereunder, the Lender must receive the following from the
          Borrowers in form satisfactory to the Lender:

          (i)    the enclosed duplicate of this Agreement duly executed and
                 delivered on behalf of the Borrowers and the Guarantors;

          (ii)   appropriate authorizing resolutions;

          (iii)  such other documents and certificates (including a legal
                 opinion) as the Lender may reasonably request; and

          (iv)   payment of the agreed-upon upfront fees.

     (b)  Conditions to Each Borrowing, Continuation and Conversion.  As a
          condition precedent to each borrowing (including the initial
          borrowing), conversion and continuation of any Loan:

          (i)    The Borrowers must furnish the Lender with, as appropriate, a
                 notice of borrowing, conversion or continuation;

          (ii)   each representation and warranty set forth in Paragraph 3 below
                                                               -----------
                 shall be true and correct in all material respects as if made
                 on the date of such borrowing, continuation or conversion; and

          (iii)  no Default or Event of Default shall have occurred and be
                 continuing on the date of such borrowing, continuation or
                 conversion.

          Each notice of borrowing and notice of conversion or continuation
          shall be deemed a representation and warranty by the Borrowers that
          the conditions referred to in clauses (ii) and (iii) above have been
          met.

3.   Representations and Warranties.  The Borrowers and the Guarantors hereby
     agree that the representations and warranties contained in Section 6 of the
     Incorporated Agreement and any and all Additional Incorporated Agreement
     Representations (collectively, the "Incorporated Representations") are
                                         ----------------------------
     hereby incorporated by reference and shall be as binding on the Borrowers
     and the Guarantors as if fully set forth herein.

4.   Covenants.  So long as principal of and interest on any Loan or any other
     amount payable hereunder or under any other Loan Document remains unpaid or
     unsatisfied and the Commitment has not been terminated, the Borrowers and
     the Guarantors hereby agree that the covenants and agreements applicable to
     them contained in Section 7 (Affirmative Covenants) and Section 8 (Negative
     Covenants) of the Incorporated Agreement, including for purposes of this

     Paragraph 4 each Additional Incorporated Agreement Covenant (collectively,
     -----------
     the "Incorporated Covenants), are hereby incorporated by reference and
          ----------------------
     shall be as binding on the Borrowers and the Guarantors as if fully set
     forth herein.

     Any financial statements, certificates or other documents received by the
     Lender under the Incorporated Agreement shall be deemed delivered
     hereunder.

                                       3
<PAGE>

5.   Events of Default.  The following are "Events of Default:"
                                            -----------------

     (a)  Any Borrower fails to pay any principal of any Loan as and on the date
          when due; or

     (b)  Any Borrower fails to pay any interest on any Loan, or any commitment
          fee due hereunder, or any portion thereof, within three days after the
          date when due; or any Borrower fails to pay any other fee or amount
          payable to the Lender under any Loan Document, or any portion thereof,
          within five days after the date due; or

     (c)  Any Borrower fails to comply with any covenant or agreement
          incorporated herein by reference pursuant to Paragraph 4 above,
                                                       -----------
          subject to any applicable grace period and/or notice requirement set
          forth in Section 9 of the Incorporated Agreement (it being understood
          and agreed that any such notice requirement shall be met by the
          Lender's giving the applicable notice to such Borrower hereunder); or

     (d)  Any representation or warranty in any Loan Document or in any
          certificate, agreement, instrument or other document made or delivered
          by any Borrower pursuant to or in connection with any Loan Document
          proves to have been incorrect when made or deemed made; or

     (e)  Any "Event of Default" specified in Section 9 of the Incorporated
          Agreement, including for purposes of this Paragraph 5(e) each
                                                    --------------
          Additional Incorporated Agreement Event of Default (collectively, the
          "Incorporated Events of Default") occurs and is continuing, without
           ------------------------------
          giving effect to any waiver or amendment thereof pursuant to the
          Incorporated Agreement, it being agreed that each such "Event of
          Default" shall survive any termination, cancellation, discharge or
          replacement of the Incorporated Agreement.

     Upon the occurrence of an Event of Default, the Lender may declare the
     Commitment to be terminated, whereupon the Commitment shall be terminated,
     and/or declare all sums outstanding hereunder and under the other Loan
     Documents, including all interest thereon, to be immediately due and
     payable, whereupon the same shall become and be immediately due and
     payable, without notice of default, presentment or demand for payment,
     protest or notice of nonpayment or dishonor, or other notices or demands of
     any kind or character, all of which are hereby expressly waived; provided,
                                                                      --------
     however, that upon the occurrence of any event specified in Section 9.1(e)
     -------
     of the Incorporated Agreement, the Commitment shall automatically
     terminate, and all sums outstanding hereunder and under each other Loan
     Document, including all interest thereon, shall become and be immediately
     due and payable, without notice of default, presentment or demand for
     payment, protest or notice of nonpayment or dishonor, or other notices or
     demands of any kind or character, all of which are hereby expressly waived.

6.   Guaranty.  The Guarantors hereby agree that the Guaranty contained in
     Section 4 of the Incorporated Agreement (the "Incorporated Guaranty") is
                                                   ---------------------
     incorporated by reference and shall be as binding on the Guarantors as if
     set forth fully herein; provided, however, as incorporated herein "Credit
                             --------  -------
     Party Obligations" means (i) as to either NOVA or NIS, without duplication,
     (a) all obligations of the other Borrower to the Lender, whenever arising,
     under this Agreement, (including, but not limited to, any interest accruing
     after the occurrence of a Bankruptcy Event with respect to any Credit
     Party, regardless of whether such interest is an allowed claim under the
     Bankruptcy Code), and (b) all liabilities and obligations, whenever
     arising, owing from the other Borrower to the Lender, or any Affiliate of
     the Lender, arising under any Hedging Agreement relating to the Loans
     hereunder and (ii) as to each other Guarantor, without duplication, (a) all
     obligations of any of the Borrowers to the Lender, whenever arising, under
     this Agreement (including, but not limited to, any interest accruing after
     the occurrence of a Bankruptcy Event with respect to any Credit Party,
     regardless of whether such interest is an allowed claim under the

                                       4
<PAGE>

     Bankruptcy Code), and (b) all liabilities and obligations, whenever
     arising, owing from any of the Borrowers to the Lender, or any Affiliate of
     the Lender, arising under any Hedging Agreement relating to the Loans
     hereunder.

7.   Other Provisions Relating to the Loans; Miscellaneous.  The parties hereto
     -----------------------------------------------------
     hereby agree that the provisions set forth in Sections 3.6, 3.7, 3.8, 3.9,
     3.10(a), 3.11, 3.14 and Section 11 of the Incorporated Agreement (the

     "Additional Incorporated Provisions") are incorporated by reference (with
     -----------------------------------
     such adjustments or modifications as necessary to maintain the substance of
     the provisions contained therein) and shall be binding on the parties
     hereto as if set forth fully herein.  The incorporation by reference to the
     Incorporated Agreement of the Incorporated Representations, the
     Incorporated Covenants, the Incorporated Events of Default, the
     Incorporated Guaranty, the Additional Incorporated Provisions and the
     Incorporated Definitions shall survive the termination of the Incorporated
     Agreement.  The Incorporated Representations, the Incorporated Covenants,
     the Incorporated Events of Default, the Incorporated Guaranty, the
     Additional Incorporated Provisions and the Incorporated Definitions
     (including all exhibits, schedules and defined terms referred to therein)
     are hereby (or, in the case of each Additional Incorporated Agreement
     Representations, the Additional Incorporated Agreement Covenants and the
     Additional Incorporated Events of Default, shall, upon its effectiveness,
     be) incorporated herein by reference as if set forth in full herein with
     appropriate substitutions, including the following:  (a) all references to
     "this Credit Agreement" shall be deemed to be references to this Agreement;
     (b) all references to "the Administrative Agent", "the Lenders" and the
     "Required Lenders" shall be deemed to be references to the Lender; (c) all
     references to "Default" and "Event of Default" shall be deemed to be
     references to a Default and an Event of Default, respectively; all
     references to "Revolving Loans" shall be deemed to be references to the
     Loans; and (e) all references as to "Credit Document" or "Credit Documents"
     or any similar reference shall be deemed refer to this Agreement as well as
     the other Loan Documents.

Please indicate your acceptance of the Commitment on the foregoing terms and
conditions by returning an executed copy of this Agreement to the undersigned
not later than September 14, 2000.

                              BANK OF AMERICA, N.A.

                              By:    /s/ Michael J. McKenney
                                     -----------------------

                              Name:  Michael J. McKenney
                                     -----------------------

                              Title: Managing Director
                                     -----------------------

                                       5
<PAGE>

Accepted and Agreed to as of the date first written above:

BORROWERS
AND GUARANTORS:               NOVA CORPORATION

                              By:    /s/ Steve Scheppmann
                                     -----------------------------------
                              Name:  Steve Scheppmann
                                     ---------------------------------
                              Title: Executive Vice President and CFO
                                     ---------------------------------

                              NOVA INFORMATION SYSTEMS, INC.

                              By:    /s/ Marion Paul Stevenson
                                     ---------------------------------
                              Name:  Marion Paul Stevenson
                                     ---------------------------------
                              Title: Senior Vice President and CFO
                                     ---------------------------------

GUARANTORS:

                              LADCO FINANCIAL GROUP,
                              a California corporation

                              By:    /s/ John Fasano
                                     ---------------------------------
                              Name:  John Fasano
                                     ---------------------------------
                              Title: Vice President
                                     ---------------------------------

                              NOVA ASSET MANAGEMENT COMPANY,
                              a Delaware corporation

                              By:    /s/ John Fasano
                                     ---------------------------------
                              Name:  John Fasano
                                     ---------------------------------
                              Title: President
                                     ---------------------------------

                              NOVA GEORGIA SERVICES, L.P.,
                              a Delaware limited partnership

                              By:    /s/ Marion Paul Stevenson
                                     ---------------------------------
                                     NOVA Information
                                     Systems, Inc.
                                     Its General Partner
                              Name:  Marion Paul Stevenson
                                     ---------------------------------
                              Title: Senior Vice President and CFO
                                     ---------------------------------

                              NOVA GA. COMMAND, INC.,
                              a Delaware corporation

                              By:    /s/ John Fasano
                                     ---------------------------------
                              Name:  John Fasano
                                     ---------------------------------
                              Title: President
                                     ---------------------------------
<PAGE>

                              NOVA INFORMATION SERVICES COMPANY,
                              a Georgia corporation

                              By:    /s/ John Fasano
                                     ---------------------------------
                              Name:  John Fasano
                                     ---------------------------------
                              Title: President
                                     ---------------------------------

                              NOVA LICENSING COMPANY,
                              a Delaware corporation

                              By:    /s/ John Fasano
                                     ---------------------------------
                              Name:  John Fasano
                                     ---------------------------------
                              Title: President
                                     ---------------------------------

                              NOVA TN. COMMAND, INC.,
                              a Tennessee corporation

                              By:    /s/ John Fasano
                                     ---------------------------------
                              Name:  John Fasano
                                     ---------------------------------
                              Title: President
                                     ---------------------------------

                              PMT SERVICES, INC.,
                              a Tennessee corporation

                              By:    /s/ Marion Paul Stevenson
                                     ---------------------------------
                              Name:  Marion Paul Stevenson
                                     ---------------------------------
                              Title: Senior Vice President and CFO
                                     ---------------------------------
<PAGE>

                                                                       EXHIBIT A

                                  DEFINITIONS

The parties hereto hereby agree that all capitalized terms not otherwise defined
herein shall have the respective meanings assigned to such terms in the
Incorporated Agreement, as in effect as of the date hereof (the "Incorporated
                                                                 ------------
Definitions") and such Incorporated Definitions are hereby incorporated by
-----------
reference and shall be as binding on the parties as if set forth fully herein.

<TABLE>
<S>                          <C>
Additional Incorporated      A covenant or agreement that is added to Section 7 (Affirmative Covenants)
 Agreement Covenant:         Section 8 (Negative Covenants) of the Incorporated Agreement after the date
                             hereof, as such covenant or agreement is in effect on the date so added,
                             without giving effect to any subsequent amendment or other modification
                             thereof.
Additional Incorporated      An "Event of Default" that is added to Section 9 of the Incorporated
 Agreement Event of          Agreement after the date hereof, as such "Event of Default" is in effect on
 Default:                    the date so added, without giving effect to any subsequent amendment or
                             other modification thereof.
Additional Incorporated      A representation or warranty that is added to Section 6 of the Incorporated
 Agreement Representation    Agreement after the date hereof, as such representation of warranty is in
                             effect on the date so added, without giving effect to any subsequent
                             amendment or other modification thereof.
Agreement:                   This letter agreement, as amended, restated, extended, supplemented or
                             otherwise modified in writing from time to time.
Default:                     Any event that, with the giving of any notice, the passage of time, or both,
                             would be an Event of Default.
Event of Default:            Has the meaning set forth in Paragraph 5.
Incorporated Agreement:      The Credit Agreement, dated as of November 16, 1999 among the Borrowers, the
                             guarantors party thereto, the lenders party thereto and Bank of America,
                             N.A., as Administrative Agent for the Lenders.  Unless otherwise specified
                             herein, all references to the Incorporated Agreement shall mean the
                             Incorporated Agreement as in effect on the date hereof, without giving
                             effect to any amendment, supplement or other modification thereto or thereof
                             after the date hereof.
Interest Period              "Interest Period" as such term is defined in the Incorporated Agreement,
                             except that, as used herein, such term shall only refer to an Interest
                             Period with a duration of one (1) month.
Loan Documents:              This Agreement, and each promissory note, certificate, fee letter, and other
                             instrument, document or agreement delivered in connection with this
                             Agreement.
Maturity Date:               The earlier of (i) December 29, 2000 or (ii) the effective date of a new
                             364-day credit facility to be entered into by the Borrowers, the Guarantors,
                             certain lenders party thereto and Bank of America, N.A., as Agent, the
                             proceeds of which shall be used to refinance all outstanding Loans under
                             this Agreement.
</TABLE>
<PAGE>

September 8, 2000

NOVA Corporation
NOVA Information Systems, Inc.
One Concourse Parkway, Suite 300
Atlanta, GA 30328
  Attention:  Stephen M. Scheppmann

     Re: $25,000,000 Revolving Bridge Facility

Ladies and Gentlemen:

This letter is delivered to you in connection with that certain Credit Agreement
dated as of the date hereof (the "Bridge Credit Agreement") by and among NOVA
Corporation, NOVA Information Systems, Inc., the Guarantors party thereto and
Bank of America, N.A. (the "Bank") regarding the establishment of a $25,000,000
revolving credit facility (the "Bridge Facility"). Unless otherwise defined
herein, capitalized terms shall have the meanings set forth in the Bridge Credit
Agreement.

In connection with, and in consideration of, the agreements contained in the
Bridge Credit Agreement, the Borrowers jointly and severally agree with the Bank
that, upon the closing of the Bridge Facility, the Borrowers will pay an upfront
fee to the Bank in an amount equal to $62,500 (representing 0.25% of the
$25,000,000 commitment provided). This fee shall be fully-earned upon becoming
due and payable, shall be non-refundable for any reason whatsoever and shall be
in addition to any other fee, cost or expense payable pursuant to the Bridge
Facility.

If the foregoing is in accordance with your understanding, please execute and
return this letter to us.

Very truly yours,

BANK OF AMERICA, N.A.

By: /s/ Michael J. McKenney
   -----------------------
    Michael J. McKenney

Title:  Managing Director
<PAGE>

NOVA Corporation
NOVA Information Systems, Inc.
September 8, 2000
Page 2

Accepted and Agreed to
as of September 8, 2000:

NOVA CORPORATION

By: /s/ Steve Scheppmann
   ---------------------
    Steve Scheppmann

Title:  Executive Vice President and CFO

NOVA INFORMATION SYSTEMS, INC.

By: /s/ Marion Paul Stevenson
   --------------------------
    Marion Paul Stevenson

Title:  Senior Vice President and CFO
<PAGE>

September 8, 2000

NOVA Corporation
NOVA Information Systems, Inc.
One Concourse Parkway
Suite 300
Atlanta, GA 30328
 Attention: Stephen M. Scheppmann

     Re: $75 Million 364-Day Revolving Credit Facility

Ladies and Gentlemen:

The purpose of this letter is to confirm your agreement to engage Bank of
America, N.A. ("Bank of America") to be the sole and exclusive administrative
agent (in such capacity, the "Administrative Agent"), and Banc of America
Securities LLC ("BAS") to be the sole and exclusive Lead Arranger and Book
Manager, for up to a $75,000,000, 364-day revolving credit facility (the "364-
Day Facility") to NOVA Corporation and NOVA Information Systems, Inc. (each, a
"Borrower" and collectively, the "Borrowers").  The Borrowers, Bank of America
and BAS will use their best efforts to insure that the 364-Day Facility will
close on or before December 29, 2000 and will be structured on mutually
acceptable terms and conditions to be determined, such terms and conditions to
be negotiated in good faith by the parties hereto and evidenced by a subsequent
letter agreement among the parties hereto.

This letter shall be governed by laws of the State of New York.  This letter is
the only agreement that has been entered into among us with respect to the 364-
Day Facility and sets forth the entire understanding of the parties with respect
thereto.  This letter may be modified or amended only by the written agreement
of all of us.  This letter is intended to be solely for the benefit of the
parties hereto.
<PAGE>

NOVA Corporation
NOVA Information Systems, Inc.
September 8, 2000

We are pleased to have the opportunity to work with you in connection with this
important financing.

Very truly yours,

BANK OF AMERICA, N.A.

By: /s/ Michael J. McKenney
   ------------------------
    Michael J. McKenney
Title: Managing Director

BANC OF AMERICA SECURITIES LLC

By: /s/ Wyatt Smith
   ----------------
    Wyatt Smith
Title: Vice President

Accepted and Agreed to
as of September 8, 2000:

NOVA CORPORATION

By: /s/ Steve Scheppmann
   ---------------------
    Steve Scheppmann
Title:  Executive Vice President and CFO

NOVA INFORMATION SYSTEMS, INC.

By: /s/ Marion Paul Stevenson
   --------------------------
    Marion Paul Stevenson
Title:  Senior Vice President and CFO<PAGE>

                                                                    Exhibit 10.4

                                PROMISSORY NOTE
                                ---------------

                                                            Clinton, Mississippi
$50,000,000                                                    September 8, 2000

     FOR VALUE RECEIVED, the undersigned (the "Borrower") hereby unconditionally
promises to pay to the order of WorldCom, Inc., a Georgia corporation (the
"Lender"), in lawful money of the United States of America and in immediately
available funds, the principal sum of Fifty Million Dollars ($50,000,000) or
such lesser amount as may be outstanding hereunder.  The aforesaid principal sum
is to be the maximum sum available hereunder and may be taken in such amounts
and at such times as the undersigned requests prior to demand for payment
hereunder.  The Borrower further promises to pay interest on the outstanding
balance under this Note, compounded monthly, from the date hereof until payment
in full of this Note, at a fluctuating rate of interest (the "Normal Rate")
equal to the Eurodollar Rate applicable to each one-month Interest Period
commencing on the date hereof plus the Applicable Margin during the
corresponding period applicable to Eurodollar Rate Borrowings by the Lender
pursuant to that certain Amended and Restated 364-Day Revolving Credit and Term
Loan Agreement among the Lender, Bank of America, N.A., as Administrative Agent,
and the other Lenders identified therein dated as of August 5, 1999, as amended;
provided, however, that following demand for payment, the Borrower promises to
pay interest on the unpaid balance hereunder, compounded monthly, at the Default
Rate, as defined herein.  The "Default Rate" shall be a fluctuating rate of
interest equal to the sum of the otherwise applicable Normal Rate plus three
percent (3%) per annum.  Upon each change in the applicable Normal Rate, the
Default Rate shall simultaneously change to correspond with such change in the
Normal Rate.  Interest shall be computed on the basis of a 360-day year
consisting of twelve 30-day months.

     The principal and accrued interest under this Note are payable on demand.
If this Note is not paid upon demand, the Borrower hereby promises to pay all
costs of collection, including but not limited to the fees and expenses of an
attorney and court costs, in addition to the full amount due hereon.

     Interest shall be due and payable under this Note at the Normal Rate or the
Default Rate, as provided herein, after as well as before demand, default and
judgment, notwithstanding any applicable statutory judgment rate of interest.
If any interest payment or other charge or fee payable hereunder exceeds the
maximum amount then permitted by applicable law, then the Borrower shall pay the
maximum amount then permitted by applicable law.

     The Borrower hereby waives presentment, protest and notice of demand,
presentment, protest and nonpayment.

     This Note shall be interpreted and the rights and liabilities of the
parties hereto shall be determined in accordance with the internal laws (as
opposed to the conflicts of law provisions) and decisions of the State of
Mississippi and the Borrower hereby consents to the jurisdiction of the courts
of or in the State of Mississippi in connection with any dispute, controversy,
collection
<PAGE>

action or other matter relating to or arising out of this Note. Whenever
possible each provision of this Note shall be interpreted in such manner as to
be effective and valid under applicable law, but if any provision of this Note
shall be prohibited by or invalid under applicable law, such provision shall be
ineffective to the extent of such prohibition or invalidity, without
invalidating the remainder of such provision or the remaining provisions of this
Note. Whenever in this Note reference is made to the Borrower or the Lender,
such reference shall be deemed to include, in the case of the Borrower, a
reference to his heirs and legal representatives and, in the case of the Lender,
its successors and assigns. The provisions of this Note shall be binding upon
and shall inure to the benefit of such heirs, legal representatives, successors
and assigns.

                                    /s/  Bernard J. Ebbers
                                    ---------------------------------------
                                         Bernard J. Ebbers

                                      -2-

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