Document:

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                                                                   Exhibit 10.30

                          REGISTRATION RIGHTS AGREEMENT

         THIS REGISTRATION RIGHTS AGREEMENT (this "Agreement") is made this 7th
                                                   ---------
day of January, 2002, by and among ICONQUEST, LLC, a Georgia limited liability
company ("Iconquest") and MEDIABIN, INC., a Georgia corporation ("MediaBin").
          ---------                                               --------

RECITALS:
--------

         WHEREAS, Iconquest and MediaBin entered into that certain Warrant
Purchase Agreement, dated of even date herewith ("Purchase Agreement"), pursuant
                                                  ------------------
to which Iconquest has sold to Holder that certain warrant ("Warrant") to
                                                             -------
purchase up to 500 membership units issued by Iconquest ("Units"); and
                                                          -----

         WHEREAS, the parties desire to execute and deliver this Agreement.

         NOW, THEREFORE, in consideration of the mutual promises, covenants,
representations and warranties contained herein and of the mutual benefits to be
derived herefrom, and intending to be legally bound, the parties hereto agree as
follows (all capitalized terms not defined herein shall have the meanings
assigned to them in the Purchase Agreement and the Warrant):

                                    ARTICLE I
                             PIGGYBACK REGISTRATION

         (a)  Right to Include Registrable Securities. Each time that Iconquest
              ---------------------------------------
proposes for any reason to register any of its Units or other securities under
the Securities Act of 1933, as amended (the "Securities Act") (a "Proposed
                                             --------------       --------
Registration"), other than pursuant to a registration statement on Form S-4 or
------------
Form S-8 (or similar or successor forms), Iconquest shall promptly give written
notice of such Proposed Registration to each Holder (defined below) of
Registrable Securities (defined below) (which notice shall be given not less
than thirty (30) days prior to the expected effective date of Iconquest's
registration statement) and shall offer such Holders the right to request
inclusion of any of such Holder's Registrable Securities in the Proposed
Registration in accordance with the terms hereof.

         As used herein, the term "Registrable Securities" shall means any and
                                   ----------------------
all (a) Units issued or issuable upon exercise of the Warrant, and (b) any other
security issued or issuable with respect to the Units referred to in clause (a)
by way of dividends or splits or in connection with a recapitalization, merger,
consolidation or other reorganization or reclassification. As to any particular
securities constituting Registrable Securities, such securities will cease to be
Registrable Securities when they have (x) been effectively registered under the
Securities Act and disposed of in accordance with a registration statement
covering them, (y) been sold to the public pursuant to Rule 144 (or by similar
provision under the Securities Act) or (z) become eligible for sale pursuant to
Rule 144.

         As used herein, the term "Holder" shall mean MediaBin and any entity to
                                   ------
whom MediaBin is permitted to assign and transfer (x) the Warrant (as more
particularly set forth in the Warrant), or (y) the Unit, as more particularly
set forth in Iconquest's operating agreement.

         (b)  Piggyback Procedure. Each Holder of Registrable Securities shall
              -------------------
have fifteen (15) days from the date of mailing of such notice to deliver to
Iconquest a written request specifying the number of Registrable Securities such
Holder intends to sell. Any Holder shall have the right to withdraw such
Holder's request for inclusion of such Holder's Registrable Securities in any
registration statement pursuant to this Article I by giving written notice to
Iconquest of such withdrawal. Subject to subsection (d) below of this Article I,
Iconquest shall include in such registration statement all such Registrable
Securities so

<PAGE>

requested to be included therein; provided, however, that Iconquest may at any
time postpone, withdraw, or cease proceeding with any such Proposed Registration
without obligation or liability to any Holder.

         (c)  Selection of Underwriters. The managing underwriter for any
              -------------------------
Proposed Registration that involves an underwritten public offering shall be one
or more reputable investment banks selected by Iconquest in its sole, absolute
and unreviewable discretion.

         (d)  Priority for Piggyback Registration. If the managing underwriter
              -----------------------------------
of an underwritten public offering determines and advises Iconquest in writing
that the inclusion of all Registrable Securities proposed to be included by the
Holders of Registrable Securities in the underwritten public offering would
adversely impact the offering of Iconquest's securities, then the Holders of
Registrable Securities shall not be permitted to include any Registrable
Securities in excess of the amount, if any, of Registrable Securities which the
managing underwriter of such underwritten public offering shall reasonably and
in good faith agree in writing to include in such public offering in addition to
the amount of securities to be registered for Iconquest. It is acknowledged by
the parties hereto that pursuant to the foregoing provision, the securities to
be included in a registration initiated by Iconquest shall be allocated:

              (i)   first, to Iconquest;

              (ii)  second, to the Holders of Registrable Securities and to Alan
D. Sloan, pari passu, on a pro rata basis based on the number of Registrable
Securities requested to be included in the registration;

              (iii) third, to holders of registration rights granted other
than pursuant to this Agreement other than Alan D. Sloan; and

              (iv)  fourth, to all others requesting securities to be included
therein.

              If, as a result of the provision of this Article I, a Holder
shall not be entitled to include all of its Registrable Securities in a
registration that such Holder has requested to be so included, such Holder may
withdraw such Holder's request to include Registrable Securities in such
registration statement.

         (e)  Underwritten Registration. In the event that the Proposed
              -------------------------
Registration by Iconquest is, in a whole or in part, an underwritten public
offering of securities of Iconquest, any request under this Article I must
specify that the Registrable Securities be included in the underwriting on the
same terms and conditions as the securities, if any, otherwise being sold
through underwriters under such registration.

                                   ARTICLE II
                             REGISTRATION PROCEDURES

         Whenever the Holders of Registrable Securities have requested that any
Registrable Securities be registered pursuant to subsection (b) of Article I,
Iconquest will use its commercially reasonable efforts to effect the
registration and the sale of such Registrable Securities in accordance with the
intended method of disposition thereof, and pursuant thereto Iconquest will:

         (a) Prepare and file with the Securities and Exchange Commission
("SEC") a registration statement on any form specified in subsection (a) of
  ---
Article I and which Iconquest shall deem appropriate and pursuant to which such
offering may be made in accordance with the intended method of distribution;
provided, however, Iconquest shall have the right to postpone, withdraw or
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cease proceeding with any Proposed Registration.

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              (b) Subject to subsection (b) of Article I, prepare and file
with the SEC any amendments and supplements to the registration statement and
the prospectus as may be necessary to comply with the provisions of the
Securities Act (including the anti-fraud provisions thereof);

              (c)  Promptly notify each Holder of the securities being sold when
such registration statement or the prospectus included therein or any prospectus
amendment or supplement or post-effective amendment has been filed, and, with
respect to any such registration statement or any post-effective amendment, when
the same has become effective;

              (d) Following the effectiveness of such registration statement,
notify each Holder of such Registrable Securities of any request by the SEC for
the amending or supplementing of such registration statement or prospectus;

              (e) Furnish to each Holder who has requested the sale of its
Registrable Securities, such number of copies of such registration statement,
each amendment and supplement thereto, the prospectus included in such
registration statement (including each preliminary prospectus) and such other
documents as such Holder may reasonably request in order to facilitate the
disposition of the Registrable Securities owned by such Holder; and

              (f) Use its commercially reasonable efforts to register or
qualify such Registrable Securities under such other securities or blue sky laws
of such jurisdictions within the United States as the underwriters shall
request, to keep such registration or qualification in effect for so long as the
registration statement is in effect and do any and all other acts and things
which may be reasonably necessary or advisable to enable such sellers to
consummate the disposition in such jurisdictions of the Registrable Securities
owned by such sellers (provided that Iconquest will not be required to qualify
generally to do business or file any general consent to service of process in
any jurisdiction where it would not otherwise be required to qualify or file but
for this subparagraph);

              (g) Use commercially reasonable efforts to cause all such
Registrable Securities registered pursuant hereto to be listed on each
securities exchange or other quotation service on which similar securities
issued by Iconquest are then listed, if any; and

              (h) Provide a transfer agent and registrar for all Registrable
  Securities registered pursuant hereto and a CUSIP number for all such
  Registrable Securities, in each case not later than the effective date of such
  registration.

         Notwithstanding anything in this Agreement to the contrary, Iconquest
  shall have sole control over the filing and content of any registration
  statement (including, without limitation, any amendment, supplement and
  prospectus) and shall have sole control over the registration and underwriting
  process.

                                  ARTICLE III
                             REGISTRATION EXPENSES

         All expenses (other than underwriting discounts and commissions
attributable to the Registrable Securities sold by Holder) incurred by Iconquest
in connection with registrations, filings or qualifications, including without
limitation, blue sky, pursuant hereto, including (without limitation) all SEC,
stock exchange, NASD and other registration, filing and qualification fees,
printers' and accounting fees and fees and disbursements of counsel for
Iconquest, shall be borne by Iconquest.

         Each Holder will be responsible, at its sole cost and expense, for any
underwriting discounts and selling commissions attributable to the Registrable
Securities sold by such Holder in connection with its election pursuant to
subsection (b) of Article I and for any legal, accounting or other professional
fees and expenses incurred by such Holder.

<PAGE>

                                   ARTICLE IV
              UNDERTAKINGS OF THE HOLDERS OF REGISTRABLE SECURITIES

         (a)  Suspension of Sales. If any Registrable Securities are included in
              -------------------
a registration statement pursuant to the terms of this Agreement, each Holder
will immediately cease making offers and sales thereof after receipt of written
notice from Iconquest of the occurrence of an event which in the judgment of
Iconquest requires that the registration statement or prospectus be corrected,
updated modified, amended or supplemented, as applicable. Each Holder shall
immediately return to Iconquest all prospectuses of Iconquest.

         (b)  Compliance. If any Registrable Securities are being registered in
              ----------
any registration pursuant to this Agreement, the Holder thereof will comply with
all anti-stabilization, manipulation and similar provisions of Section 10 of the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), and any rules
promulgated thereunder by the SEC.

         (c)  Termination of Effectiveness. At the expiration of the period
              ----------------------------
during which the registration statement is effective, each Holder of Registrable
Securities included in the registration statement shall discontinue sales
thereof pursuant to such registration statement.

         (d)  Furnish Information. It shall be a condition precedent to the
              -------------------
obligations of Iconquest to take any action pursuant to this Agreement with
respect to the Registrable Securities of any selling Holder that such Holder
shall furnish to Iconquest such information regarding itself, the Registrable
Securities held by it, and the intended method of disposition of such securities
as shall reasonably be required to effect the registration of such Holder's
Registrable Securities or as shall otherwise reasonably be requested by
Iconquest.

                                    ARTICLE V
                           UNDERWRITTEN REGISTRATIONS

         No Holder of Registrable Securities may participate in any registration
hereunder which is underwritten unless such Holder (i) agrees to sell such
Holder's securities on the basis provided in any underwriting arrangements as
agreed upon by Iconquest and such underwriters selected by Iconquest, and (ii)
completes and executes all customary questionnaires, powers of attorney,
indemnities, underwriting agreements, "lock-up" agreements and other documents
reasonably required under the terms of such underwriting arrangements, provided
that no Holder of Registrable Securities included in any underwritten
registration shall be required to make any representations or warranties to
Iconquest or the underwriters on account of the registration of shares owned by
such Holder other than representations and warranties regarding such Holder and
such Holder's intended method of distribution.

                                   ARTICLE VI
                                 INDEMNIFICATION

         (a)  Indemnification by Iconquest. Iconquest shall indemnify and hold
              ----------------------------
harmless, with respect to any registration statement filed by it, to the fullest
extent permitted by law, each Holder of Registrable Securities covered by such
registration statement, its officers, directors, employees, agents, affiliates
and general or limited partners (and the directors, officers, employees,
affiliates and agents thereof) and each other person, if any, who controls such
Holder within the meaning of the Securities Act (collectively, the "Holder
                                                                    ------
Indemnified Parties") against any and all losses, claims, damages, liabilities
-------------------
and expenses joint or several (including without limitation reasonable fees of
counsel and any amounts paid in settlement effected with Iconquest's consent,
which consent shall not be unreasonably delayed or withheld) (collectively,
"Losses") to which any such Holder Indemnified Party may become subject under
 ------
the Securities Act, the Securities Exchange Act of 1934, as amended (the
"Exchange Act"), any other federal law, any state or common law, any rule or
 ------------
regulation promulgated thereunder or otherwise, insofar as such Losses (or
actions or proceedings, whether commenced or threatened, in respect thereof) are
resulting from or arising out of or

<PAGE>

based upon (i) any untrue statement or alleged untrue statement of a material
fact contained in any registration statement in which such Registrable
Securities were included as contemplated hereby or the omission or alleged
omission to state therein a material fact required to be stated therein or
necessary to make the statements therein not misleading or (ii) any untrue
statement or alleged untrue statement of a material fact contained in any
preliminary, final or summary prospectus, together with the documents
incorporated by reference therein (as amended or supplemented if Iconquest shall
have filed with the SEC any amendment thereof or supplement thereto), or the
omission or alleged omission to state therein a material fact required to be
stated therein or necessary in order to make the statements therein, in the
light of the circumstances under which they were made, not misleading, or (iii)
any violation by Iconquest of the Securities Act, the Exchange Act, any other
federal law, any state or common law, or any rule or regulation promulgated
thereunder in connection with any such registration; and in each such case,
Iconquest shall reimburse each such Holder Indemnified Party for any reasonable
legal or any other Losses incurred by any of them in connection with
investigating or defending any such loss, claim, damage, liability, expense,
action or proceeding (collectively a "claim"); provided, however, that Iconquest
                                               --------  -------
shall not be liable to any such Holder Indemnified Party in any such case to the
extent that any such claim (or action or proceeding, whether commenced or
threatened, in respect thereof) arises out of or is based upon any untrue
statement or alleged untrue statement or omission or alleged omission made in
such registration statement or amendment thereof or supplement thereto or in any
such preliminary, final or summary prospectus in reliance upon and in strict
conformity with written information furnished to Iconquest by or on behalf of
any such Holder Indemnified Party relating to such Holder Indemnified Party
specifically stating that it is for use in the preparation thereof, and provided
                                                                        --------
further, that Iconquest shall not be liable to any such Holder Indemnified Party
-------
with respect to any preliminary prospectus to the extent that any such Losses of
such Holder Indemnified Party results from the fact that such Holder Indemnified
Party sold Registrable Securities to a person to whom there was not sent or
given, at or before the written confirmation of such sale, a copy of the
prospectus (excluding documents incorporated by reference) or of the prospectus
as then amended or supplemented (excluding documents incorporated by reference)
if Iconquest has previously furnished copies thereof to such Holder Indemnified
Party in compliance with this Agreement and the Losses of such Holder
Indemnified Party results from an untrue statement or omission of a material
fact contained in such preliminary prospectus which was corrected in the
prospectus (or the prospectus as then amended or supplemented).

         Such indemnity and reimbursement of expenses and obligations shall
remain in full force and effect regardless of any investigation made by or on
behalf of the Holder Indemnified Parties and shall survive the transfer of such
securities by such Holder Indemnified Parties.

         (b)  Indemnification by Holders. Each Holder of Registrable Securities
              --------------------------
participating in any registration hereunder shall severally, and not jointly,
indemnify and hold harmless, to the fullest extent permitted by law, Iconquest,
its directors, officers, employees, affiliates and agents, and each Person who
controls Iconquest (within the meaning of the Securities Act) (collectively,
"Iconquest Indemnified Parties") to the same extent as the foregoing indemnity
from Iconquest to the Holders as set forth in subsection (a) of this Article VI
(subject to the exceptions set forth in the foregoing indemnity and applicable
law), but only with respect to any such information furnished in writing by such
Holder for use therein; provided, however, that the liability of any Holder
                        --------  -------
under this subsection (b) shall be limited to the amount of the net proceeds
received by such Holder in the offering giving rise to such liability. Such
indemnity obligation shall remain in full force and effect regardless of any
investigation made by or on behalf of Iconquest Indemnified Parties (except as
provided above) and shall survive the transfer of such securities by such
Holder.

         (c)  Conduct of Indemnification Proceedings. Promptly after receipt by
              --------------------------------------
an indemnified party under subsection (a) or (b) of this Article VI of written
notice of the commencement of any action, suit, proceeding, investigation or
threat thereof with respect to which a claim for indemnification may be made
pursuant to this Article VI, such indemnified party shall, if a claim in respect
thereto is to be made against an indemnifying party, promptly give written
notice to the indemnifying party of the threat or commencement thereof;
provided, however, that the failure to so notify the indemnifying party shall
--------  -------
not

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relieve it from any liability which it may have to any indemnified party except
to the extent that the indemnifying party is actually prejudiced by such failure
to give notice.

         If any such claim or action referred to under subsection (a) or (b) of
this Article VI is brought against any indemnified party and it then notifies
the indemnifying party of the threat or commencement thereof, the indemnifying
party shall be entitled to participate therein and, to the extent that it
wishes, jointly with any other indemnifying party similarly notified, to assume
the defense thereof with counsel reasonably satisfactory to such indemnified
party (who shall not, except with the consent of the indemnified party, be
counsel to the indemnifying party). After notice is delivered by the
indemnifying party to such indemnified party of its election to so assume the
defense of any such claim or action, the indemnifying party shall not be liable
to such indemnified party under this Article VI for any legal expenses of
counsel or any other expenses (other than reasonable costs of investigation)
subsequently incurred by such indemnified party in connection with the defense
thereof, unless the indemnifying party has failed to assume the defense of such
claim or action or to employ counsel reasonably satisfactory to such indemnified
party. Notwithstanding the foregoing, the indemnified party shall have the right
to retain its own counsel, with the fees and expenses to be paid by the
indemnifying party, if representation of such indemnified party by the counsel
retained by the indemnifying party would be inappropriate due to actual or
potential differing interests between such indemnified party and any other party
represented by such counsel in such action.

         The indemnifying party shall not be required to indemnify the
indemnified party with respect to any amounts paid in settlement of any action,
proceeding or investigation entered into without the written consent of the
indemnifying party, which consent shall not be unreasonably delayed or withheld.
No indemnifying party shall consent to the entry of any judgment or enter into
any settlement without the consent of the indemnified party unless (i) such
judgment or settlement does not impose any obligation or liability upon the
indemnified party other than the execution, delivery or approval thereof, and
(ii) such judgment or settlement includes as an unconditional term thereof the
giving by the claimant or plaintiff to such indemnified party of a full release
and discharge from all liability in respect of such claim and a full release of
all persons that may be entitled to or obligated to provide indemnification or
contribution under this Article.

         The obligations of Iconquest and the Holders of Registrable Securities
under this Article VI shall survive the completion of any offering of
Registrable Securities in a registration statement under this Agreement and the
termination of this Agreement.

         (d)  Contribution. If the indemnification provided for in this Article
              ------------
VI is unavailable to or insufficient to hold harmless an indemnified party under
subsections (a) or (b) hereof, then each indemnifying party shall contribute to
the amount paid or payable by such indemnified party as a result of the Losses
(or actions or proceedings in respect thereof) referred to in subsections (a) or
(b) of this Article VI in such proportion as is appropriate to reflect the
relative fault of the indemnifying party on the one hand and the indemnified
party on the other in connection with the statements, omissions, actions or
inactions which resulted in such losses, claims, damages, liabilities or
expenses. The relative fault of the indemnifying party and the indemnified party
shall be determined by reference to, among other things, whether the untrue or
alleged untrue statement of a material fact or the omission or alleged omission
to state a material fact relates to information supplied by the indemnifying
party or the indemnified party, any action or inaction by any such party, and
the parties' relative intent, knowledge, access to information and opportunity
to correct or prevent such statement, omission, action or inaction; provided,
however, that the liability of any Holder under this subsection (d) shall be
limited to the amount of net proceeds received by such Holder in the offering
giving rise to such liability. The amount paid or payable by an indemnified
party as a result of the Losses (or actions or proceedings in respect thereof)
pursuant to this subsection (d) shall be deemed to include any reasonable legal
or other expenses incurred by such indemnified party in connection with
investigating or defending any such action or claim (which shall be limited as
provided in subsection (c) of this Article VI if the indemnifying party has
assumed the defense of any such action in accordance with the provisions
thereof) which is the subject of this subsection (d).

<PAGE>

         No person guilty of fraudulent misrepresentation (within the meaning of
Section 11(f) of the Securities Act) shall be entitled to contribution from any
person who was not guilty of such fraudulent misrepresentation. Promptly after
receipt by an indemnified party under this subsection (d) of written notice of
the commencement of any action, suit, proceeding, investigation or threat
thereof with respect to which a claim for contribution may be made against an
indemnifying party under this subsection (d), such indemnified party shall, if a
claim for contribution in respect thereto is to be made against an indemnifying
party, give written notice to the indemnifying party of the commencement thereof
(if the notice specified in subsection (c) of this Article VI has not been given
with respect to such action), provided, however, that the failure to so notify
                              --------  -------
the indemnifying party shall not relieve it from any obligation to provide
contribution which it may have to any indemnified party under this subsection
(d), except to the extent that the indemnifying party is actually prejudiced by
the failure to give such. The parties hereto agree that it would not be just and
equitable if contribution pursuant to this subsection (d) were determined by pro
rata allocation or by any other method of allocation which does not take account
of equitable considerations referred to in this subsection (d).

         If indemnification is available under this Article VI the indemnifying
parties shall indemnify each indemnified party to the fullest extent provided in
subsections (a) and (b) of this Article VI hereof, without regard to the
relative fault of said indemnifying party or indemnified party or any other
equitable consideration provided for in this subsection (d). The provisions of
this subsection (d) shall be in addition to any other rights to indemnification
or contribution which any indemnified party may have pursuant to law or
contract, shall remain in full force and effect regardless of any investigation
made by or on behalf of any indemnified party, and shall survive the transfer of
securities by any such party; provided that any indemnification of similar scope
entered into pursuant to an underwriting agreement in connection with an
offering contemplated herein shall supersede this Article VI.

         (e)  Indemnification and Contribution of Underwriters. In connection
              ------------------------------------------------
with any underwritten offering contemplated by this Agreement which includes
Registrable Securities, Iconquest and all Holders of Registrable Securities
included in any registration statement shall agree to customary provisions for
indemnification and contribution (consistent with the other provisions of this
Article VI) in respect of losses, claims, damages, liabilities and expenses of
the underwriters of such offering.

                                   ARTICLE VII
                           RULE 144; OTHER EXEMPTIONS

         With a view to making available to the Holders the benefits of Rule 144
and 144A promulgated under the Securities Act and other rules and regulations of
the SEC that may at any time permit a Holder to sell securities of Iconquest to
the public without registration, Iconquest covenants that it shall file in a
timely manner all reports and other documents required to be filed by it under
the Securities Act and the Exchange Act and the rules and regulations adopted by
the SEC thereunder and take such further action as each Holder may reasonably
request (including, but not limited to, providing any information necessary to
comply with Rules 144 and 144A, if available with respect to resales of the
Registrable Securities, under the Securities Act) at any time after the date
which is ninety (90) days following an initial public offering of the securities
of Iconquest, all to the extent required from time to time to enable such Holder
to sell Registrable Securities without registration under the Securities Act
within the limitation of the exemptions provided by (x) Rule 144 or Rule 144A
(if available with respect to resales of the Registrable Securities) under the
Securities Act, as such rules may be amended from time to time or (y) any other
rules or regulations now existing or hereafter adopted by the SEC.

<PAGE>

                                  ARTICLE VIII
                                  MISCELLANEOUS

         (a)  All notices and other communications required or permitted
hereunder shall be in writing and shall be deemed effectively given upon
personal delivery, or upon delivery by overnight express courier service, or
three days following registered or certified mail, postage prepaid, addressed as
follows:

         If to MediaBin:         MediaBin, Inc.
                                     7 Piedmont Center Suite 600
                                     3525 Piedmont Road
                                     Atlanta, GA 30305
                                     Attn: Mr. Haines Hargrett

         With a copy to:         Morris, Manning & Martin, LLP
                                     1600 Atlanta Financial Center
                                     3343 Peachtree Road
                                     Atlanta, GA 30326
                                     Attn: Lauren Z. Burnham, Esq.

         If to the Company:          Iconquest, LLC
                                     1266 Holly Lane, N.E.
                                     Atlanta, GA  30329
                                     Attn:  Dr. Alan D. Sloan

         With a copy to:         Arnall Golden Gregory, LLP
                                     1201 West Peachtree Street; Suite 2800
                                     Atlanta, GA 30309
                                     Attn: Jonathan Golden, Esq.

         (b)  Market Stand-Off" Agreement. Each Holder hereby agrees that,
              ---------------------------
during the period of duration (up to, but not exceeding, 180 days) specified by
Iconquest and/or an underwriter of securities of Iconquest, following the date
of the final prospectus distributed in connection with any registration
statement of Iconquest filed under the Securities Act with respect to an
underwritten offering, it shall not to the extent requested by Iconquest and/or
such underwriter, directly or indirectly sell, offer to sell, contract to sell
(including, without limitation, any short sale), grant any option to purchase or
otherwise transfer or dispose of any securities of Iconquest held by it at any
time during such except for the securities of each Holder included in such
registration; provided, however, that Iconquest shall utilize its commercially
              --------  -------
reasonable efforts to ensure that all officers and directors of Iconquest, all
ten percent security holders, and all other persons with registration rights
granted subsequent to the date hereof enter into similar agreements.

              In order to enforce the foregoing covenant, Iconquest may
impose stop-transfer instructions with respect to the Registrable Securities of
each Holder (and the shares or securities of every other person subject to the
foregoing restriction) until the end of such period, and each Holder agrees
that, if so requested, such Holder will execute an agreement in the form
provided by the underwriter containing terms which are essentially consistent
with the provisions of this subsection (b).

         (c)  Rights of Holders. Each Holder of Registrable Securities shall
              -----------------
have the absolute right to exercise or refrain from exercising any right or
rights that such Holder may have by reason of this Agreement, including, without
limitation, the right to consent to the waiver or modification of any obligation
under this Agreement, and such Holder shall not incur any liability to any other
Holder of any securities of Iconquest as a result of exercising or refraining
from exercising any such right or rights.

         (d)  Assignment. This Agreement nor any right, interest or obligation
              ----------
hereunder may be assigned by any party hereto without the prior written consent
of the other parties hereto and any attempt to do so will be void. Subject to
the preceding sentence, this Agreement is binding upon, inures to the benefit
of, and is enforceable by the parties hereto and their respective successors and
permitted assigns.

<PAGE>

         (e)  Waiver. Any term or condition of this Agreement may be waived at
              ------
any time by the party that is entitled to the benefit thereof, but no such
waiver shall be effective unless set forth in a written instrument duly executed
by or on behalf of the party waiving such term or condition. No waiver by any
party of any term or condition of this Agreement, in any one or more instances,
shall be deemed to be or construed as a waiver of the same or any other term or
condition of this Agreement on any future occasion.

         (f)  Amendment. This Agreement may be amended, supplemented or modified
              ---------
only by a written instrument duly executed by Iconquest and Holders of a
majority in interest of the outstanding Registrable Securities.

         (g)  Remedies. Each party hereto will be entitled to enforce any right
              --------
granted to such party by any provision of this Agreement specifically to recover
damages caused by reason of any breach of any provision of this Agreement and to
exercise all other rights granted by law. The parties hereto agree and
acknowledge that money damages may not be an adequate remedy for any breach of
the provisions of this Agreement and that any party may in its sole discretion
apply to any court of law or equity of competent jurisdiction (without posting
any bond or other security) for specific performance and for other injunctive
relief in order to enforce or prevent violation of the provisions of this
Agreement.

         (h)  Entire Agreement. This Agreement supersedes all prior discussions
              ----------------
and agreements among the parties hereto with respect to the subject matter
hereof and contains the sole and entire agreement among the parties hereto with
respect to the subject matter hereof.

         (i)  Captions. The captions used in this Agreement have been inserted
              --------
for convenience of reference only and do not define or limit the
provisions hereof.

         (j)  Governing Law. This Agreement shall be governed by and construed
              -------------
in accordance with the laws of the State of Georgia applicable to a contract
executed and performed in such State, without giving effect to the conflicts of
laws principles thereof.

         (k)  Counterparts. This Agreement may be executed in one or more
              ------------
counterparts, each of which shall be deemed an original, but all of which
together will constitute one and the same instrument.

         (l)  Severability. Any provision of this Agreement which is prohibited
              ------------
or unenforceable in any jurisdiction shall, as to such jurisdiction, be
ineffective to the extent of such prohibition or unenforceability without
invalidating the remaining provisions hereof, and any such prohibition or
unenforceability in any jurisdiction shall not invalidate or render
unenforceable such provision in any other jurisdiction, it being intended and
understood that all of the rights and privileges of the Holders shall be
enforceable to the fullest extent permitted by law.

         (m)  No Third Party Beneficiary. This Agreement shall not confer any
              --------------------------
rights or remedies upon any person other than the parties hereto and their
respective successors and permitted assigns.

         IN WITNESS WHEREOF, the parties have executed and delivered this
Agreement under seal as of the date first above written.

ICONQUEST, LLC                               MEDIABIN, INC.

By:                                          By:
   ------------------------------               --------------------------------
       Alan D. Sloan, Manager                        David P. Moran, CEO<PAGE>
                                                                   Exhibit 10.21

                                 LOAN AGREEMENT

                                      among

                           THE INTERCEPT GROUP, INC.,
           a corporation formed under the laws of the State of Georgia

                                       and

                                SLMsoft.com Inc.,

         a corporation formed under the laws of the Province of Ontario

                                       and

                                SLMsoft.com INC.,

           a corporation formed under the laws of the State of Kansas

                                December 3, 2001

<PAGE>

                                 LOAN AGREEMENT

         This Loan Agreement (the "Agreement") dated as of December 3, 2001 is
by and among SLMsoft.com Inc., a corporation formed under the laws of the
Province of Ontario ("Shareholder"), SLMsoft.com Inc., a corporation formed
under the laws of the State of Kansas and a wholly-owned subsidiary of
Shareholder (the "Company" and together with Shareholder, "Borrowers"), and The
InterCept Group, Inc., a Georgia corporation ("InterCept").

                                    RECITALS:
                                    --------

         (1) Borrowers have requested that InterCept make available to Borrowers
a term loan in the original principal amount of Seven Million and no/100ths
Dollars (the "Loan") on the terms and conditions hereinafter set forth, and for
the purpose(s) hereinafter set forth.

         (2) To induce InterCept to make the Loan to Borrowers, Borrowers have
 made certain representations to InterCept;

         (3) InterCept and Borrowers acknowledge that Borrowers intend to repay
the Loan, from, among other things, proceeds obtained from the sale of Pledged
Collateral (as defined in the Pledge Agreement); and

         (4) InterCept, in reliance upon the representations and inducements of
Borrowers, has agreed to make the Loan upon the terms and conditions hereinafter
set forth.

         In consideration of the mutual representations, warranties, covenants
and agreements, and upon and subject to the terms and the conditions hereinafter
set forth in this Agreement, the parties agree as follows:

Section 1.  The Loan.

       1.1 Evidence of Loan Indebtedness and Repayment. Subject to the terms
           -------------------------------------------
and conditions contained herein, InterCept shall make the Loan to Borrowers by
wire transfer to the bank account specified in the Disclosure Memorandum in
immediately available funds. The Loan shall be evidenced by a Secured Promissory
Note in the original principal amount of Seven Million and no/100ths Dollars
($7,000,000.00), dated as of the date hereof, executed by Borrowers in favor of
InterCept (the "Note"). The Loan shall be payable in accordance with the terms
of the Note. The Note, this Agreement and any other instruments and documents
executed by Borrowers or any subsidiary or affiliate of Borrowers
("Affiliates"), now or hereafter evidencing, securing or in any way related to
the indebtedness evidenced by the Note are herein individually referred to as a
"Loan Document" and collectively referred to as the "Loan Documents." The term
"Obligations" as used herein shall refer to (a) the Loan to be made concurrently
or in connection with this Agreement, as evidenced by the Note, and any renewals
or extensions thereof, (b) the full and prompt payment and performance of any
and all other indebtednesses and other obligations of Borrowers to InterCept,
direct or contingent (including

<PAGE>

but not limited to obligations incurred as endorser, guarantor or surety),
however evidenced or denominated, and however and whenever incurred, that relate
to the Loan and (c) all future advances made by InterCept for taxes, levies,
insurance and preservation of the collateral and all attorneys' fees, court
costs and expenses of whatever kind incident to the collection of any of said
indebtedness or other obligations and the enforcement and protection of the
security interest created hereby or by the other Loan Documents. Notwithstanding
any other term or condition contained in this Agreement, the Loan Documents and
Obligations shall not include or extend to the Purchase Agreement (amended and
restated) dated November 29, 2000 between the Borrowers and InterCept (the
"Purchase Agreement"), the agreements delivered pursuant to the Purchase
Agreement including, without limitation, the Registration Rights Agreement and
Employee Services Agreement, both as may be amended from time to time, and the
obligations and liabilities of the Borrowers thereunder.

       1.2 Partial Prepayment.  Borrowers may prepay the indebtedness
           ------------------
evidenced by the Note in whole or in part at any time and from time to time,
without penalty or premium.

       1.3 Purposes of Loan and Use of Proceeds.  The purposes of the
           ------------------------------------
Loan shall be as described on the Disclosure Memorandum.

Section 2.  The Closing

         The Closing shall take place, subject to the satisfaction or waiver of
the conditions set forth in this Agreement, at 9:00 a.m., December 3, 2001, in
the offices of InterCept. If the conditions to closing contained in this
Agreement, have not been obtained prior to 9:00 a.m. on December 3, 2001, the
Closing shall take place after such conditions have been satisfied or waived, at
a time mutually agreed upon by the parties, provided that the parties agree to
use commercially reasonable efforts to close by December 10, 2001.

Secton 3.  Representations and Warranties of Borrowers

         To induce InterCept to make the Loan, and in acknowledgement of
InterCept's reliance on the following representations and warranties,
Shareholder and the Company hereby represent and warrant to InterCept as follows
as of the date hereof and as of the Closing:

       3.1 Organization and Authority; Validity and Binding Effect.
           -------------------------------------------------------

         (a) Shareholder is a corporation duly organized and validly
existing under the laws of the Province of Ontario, and the Company is a
corporation duly organized and validly existing under the laws of the State of
Kansas. Each of Shareholder and the Company has all requisite power and
authority, corporate or otherwise, to carry on and conduct its business as it is
now being conducted and to own or lease its properties and assets.

         (b) Approval by the shareholders of Shareholder is not required to
consummate the Loan.

<PAGE>

         (c) The Disclosure Memorandum contains a copy of the true, valid and
correct Charter Documents of the Company and Shareholder in effect as of the
date hereof and as of the Closing.

         (d) The execution, delivery and performance of this Agreement have been
duly and validly authorized by all necessary action, corporate or otherwise, on
the part of the Company and Shareholder required to take such action and will
not, without the giving of notice or the lapse of time, or both, (i) violate or
conflict with any of the provisions of their respective Charter Document; (ii)
violate, conflict with, or result in a breach or default under or cause
termination of any term or condition of any mortgage, indenture, contract,
license, permit, instrument, trust document, or other agreement, document or
instrument to which the Company or Shareholder is a party or by which the
Company, Shareholder, or any of their properties may be bound; (iii) violate any
Rule; or (iv) result in the creation or imposition of any Encumbrance upon any
asset of the Company or Shareholder (other than the shares of InterCept pledged
by Shareholder or agreed to be pledged by Shareholder or the Company to secure
the Loan (the "Pledged Collateral") pursuant to that certain Pledge Agreement
(the "Pledge Agreement") executed and delivered by Shareholder to InterCept
along with this Agreement).

         (e) This Agreement and the other Loan Documents are the legal, valid
and binding obligations of each Borrower, enforceable against each of them in
accordance with their respective terms, subject to limitations imposed by
bankruptcy, insolvency, moratorium or other similar laws affecting the rights of
creditors generally or the application of general equitable principles.

         3.2 Indebtedness and Similar Matters. Except as set forth in the
             --------------------------------
Disclosure Memorandum, neither the Company nor Shareholder is in default with
respect to any indebtedness for borrowed money, and the making of the Loan to
the Borrowers as contemplated herein will not cause such a default to occur.
Except for the HBSC Bank performance bond in the maximum principal amount of
$100,000, neither Borrower has currently in effect a loan agreement or credit
facility with a financial institution. Both Borrowers are current in the payment
of their accounts payable.

         3.3 Litigation. Except as set forth in the Disclosure Memorandum, there
             ----------
is no action, suit, investigation or proceeding involving a claim or
counterclaim of more than $500,000 pending or, to the best knowledge of the
Company or Shareholder, threatened against or affecting the Company,
Shareholder, or the assets of the Company or Shareholder before any court or by
or before any governmental body or arbitration board or tribunal, nor, to the
best knowledge of the Company or Shareholder, is there a basis for any such
action, suit, investigation or proceeding.

         3.4 The Pledged Collateral.
             ----------------------

         As of the date of this Agreement, Shareholder has good, valid and
marketable title to all of the Pledged Collateral that has been issued to date,
free and clear of any and all Encumbrances other than the restrictions on the
transfer thereof as provided in preexisting agreements with InterCept.

<PAGE>

         3.5 Value of Assets. Giving effect to the Loan, the fair market value
             ---------------
of the Company's assets exceeds the Company's total liabilities, whether
accrued, absolute, contingent, or otherwise. Giving effect to the Loan, the fair
market value of Shareholder's assets exceeds Shareholder's total liabilities,
whether accrued, absolute, contingent, or otherwise. The Company's assets do not
and, immediately following the making of the Loan, will not, constitute
unreasonably small capital to carry out the Company's business as conducted or
as proposed to be conducted. Shareholder's assets do not and, immediately
following the making of the Loan, will not, constitute unreasonably small
capital to carry out Shareholder's business as conducted or as proposed to be
conducted.

         3.6 Debt. The Company does not intend to, and does not believe that it
             ----
will, incur debt or liabilities (including contingent liabilities and other
commitments) beyond its ability to pay such debt or liabilities as they mature.
Shareholder does not intend to, and does not believe that it will, incur debt or
liabilities (including contingent liabilities and other commitments) beyond its
ability to pay such debt or liabilities as they mature.

         3.7 No Bankruptcy. Except as set forth in the Disclosure Memorandum, no
             -------------
petition in bankruptcy has been filed against either the Company, Shareholder or
any Affiliate of either of them during the last seven years, and neither the
Company, Shareholder nor any Affiliate of either of them in the last seven years
has ever made an assignment for the benefit of creditors or taken advantage of
any insolvency act for the benefit of debtors. Neither the Company, Shareholder,
nor any Affiliate of either of them is contemplating the filing of a petition by
it under any state or federal bankruptcy or insolvency laws. Neither the Company
nor Shareholder has any knowledge of any person contemplating the filing of any
such petition against it or an Affiliate.

         3.8 Agreements. Since May 1, 2001, the Company has not entered into any
             ----------
contracts under which the Company: (a) paid $50,000 or more or committed itself
to pay $50,000 or more, or (b) received $50,000 or more or expects to receive
$50,000 or more, except for the collection of outstanding accounts receivable.

         3.9 Repayment. Notwithstanding anything to the contrary herein,
             ---------
Borrowers shall prepay the Obligations upon the sale of any Pledged Collateral
in an amount equal to the lesser of (i) the net proceeds of such sale, on the
one hand, or (ii) the outstanding principal balance of the Obligations, together
with all accrued and unpaid interest and charges thereon, on the other hand,
which prepayment shall be made no later than one (1) day following the
consummation of such sale and the payment and delivery of the net proceeds.

Section 4.  Representations and Warranties of InterCept

         To induce Shareholder and the Company to execute, deliver and perform
this Agreement, and in acknowledgement of Shareholder's and the Company's
reliance on the following representations and warranties, InterCept hereby
represents and warrants to Shareholder and Company as follows as of the date
hereof and as of the Closing:

<PAGE>

         4.1 Organization and Authority.
             --------------------------

         InterCept is a publicly traded corporation trading on the Nasdaq Stock
Market, and, to InterCept's best knowledge, is not in default with respect to
any of Nasdaq's listing requirements. InterCept is a corporation duly organized
and validly existing under the laws of the State of Georgia and has all
requisite power and authority, corporate or otherwise, to carry on and conduct
its business as it is now being conducted and to own or lease its properties and
assets.

         4.2 No Insolvency.
             -------------

         InterCept has not been and is not now (i) subject to any insolvency
related procedure in respect of part or all of its assets, or (ii) involuntarily
liquidated.

         4.3 Corporate Authority; No Violation.
             ---------------------------------

         The execution, delivery and performance of this Agreement, and the
making of the Loan, have been duly and validly authorized by all necessary
action, corporate or otherwise, on the part of InterCept required to take such
action and will not, with the giving of notice or the lapse of time, or both (i)
violate or conflict with any of the provisions of any its Charter Documents;
(ii) violate, conflict with or result in a breach or default under or cause
termination of any term or condition of any mortgage, indenture, contract,
license, permit, instrument, trust document, or other agreement, document or
instrument to which InterCept is a party or by which InterCept or any of its
properties may be bound; (iii) violate any Rule; or (iv) result in the creation
or imposition of any Encumbrance upon any asset of InterCept.

         This Agreement and the other Loan Documents are the legal, valid and
binding obligations of InterCept, enforceable against it in accordance with
their respective terms, subject to limitations imposed by bankruptcy,
insolvency, moratorium or other similar laws affecting the rights of creditors
generally or the application of general equitable principles.

         4.4 Required Consents.
             -----------------

         Except for approval and consent from First Union Bank and InterCept's
Board of Directors (which approvals and consents have been obtained), InterCept
is not required to obtain the consent, approval, authorization or estoppel of
any other Person to authorize and permit the making of the Loan.

         4.5 Reasonable Assistance.
             ---------------------
         InterCept agrees to provide customary and reasonable assistance to
Shareholder in its sale of shares of InterCept common stock pursuant to Rule 144
so that Shareholder may prepay the indebtedness or other amounts outstanding
pursuant to the Loan Documents in accordance with Section 3.9.

<PAGE>

Section 5.  Covenants of Borrowers

         Borrowers covenant and agree, jointly and severally, that during the
term of this Agreement:

         5.1 Payment of Obligations. Borrowers shall pay the indebtedness
             ----------------------
evidenced by the Note according to the terms thereof, and shall timely pay or
perform, as the case may be, all of the other obligations of Borrowers to
InterCept, direct or contingent, however evidenced or denominated, and however
and whenever incurred, that relate to the Loan.

         5.2 Financial Statements and Reports. Shareholder shall furnish to
             --------------------------------
InterCept (a) as soon as practicable and in any event on the earlier of (i) 140
days after the end of Shareholder's fiscal year and (ii) Shareholder's delivery
of same to its shareholders, consolidated balance sheets of Shareholder and its
Subsidiaries as of the close of such fiscal year, consolidated statements of
operations of Shareholder and its Subsidiaries for such fiscal year and
consolidated statements of cash flows for Shareholder and its Subsidiaries for
such fiscal year, prepared in accordance with Canadian generally accepted
accounting principles consistently applied and, as to such consolidated
statements, accompanied by an unqualified audit report prepared by Shareholder's
current independent auditors or other independent certified public accountants
that are recognized as one of the "Big Five" accounting firms as of the date of
this Agreement, and (b) within the earlier of (i) 60 days after the end of each
quarter and (ii) the Shareholder's delivery of same to its shareholders,
consolidated balance sheets of Shareholder and its Subsidiaries as of the close
of such quarter and consolidated statements of operations of Shareholder and its
Subsidiaries for such quarter and prepared in accordance with Canadian generally
accepted accounting principles consistently applied (except for the absence of
footnotes and subject to normal and customary year-end adjustments).

         5.3 Corporate Existence. Each Borrower shall maintain its corporate
             -------------------
existence and good standing in the state of its incorporation; save and except
that the Company shall be liquidated, wound up and dissolved under the
applicable Kansas corporation statutes in the manner contemplated in the
Purchase Agreement.

         5.4 Notice of Default. Borrowers shall give written notice to InterCept
             -----------------
of the occurrence of any default, event of default or Event of Default under
this Agreement or any other Loan Document promptly upon the occurrence thereof.

         5.5 Notice of Litigation. Borrowers shall give notice, in writing, to
             --------------------
InterCept of (a) any actions, suits or proceedings, instituted by any persons
whomsoever against Borrowers or affecting any of the assets of Borrowers, in
either case meeting or exceeding the threshold set forth in Section 3.3 above,
and (b) any dispute, not resolved within sixty (60) days of the commencement
thereof, between any Borrower on the one hand and any governmental regulatory
body on the other hand, which actions, suits or proceedings or dispute might
materially adversely interfere with the normal operations of any Borrower.

<PAGE>

Section 6.  Conditions to Obligations of Borrowers

         The obligations of Shareholder and the Company to enter into this
Agreement shall be subject to the satisfaction (or waiver by Shareholder and the
Company) at or prior to the Closing Date of each of the following conditions:

         6.1 Representations, Warranties and Covenants. Each of the
             -----------------------------------------
representations and warranties of InterCept contained in this Agreement shall be
true in all respects as of the time of the Closing; and InterCept shall have
performed and complied in all respects with the respective covenants and
agreements set forth herein to be performed or complied with by it at or before
the Closing.

         6.2 Litigation. No suit, investigation, action or other proceeding
             ----------
shall be pending or overtly threatened before any court or governmental agency,
which has resulted in the restraint or prohibition of Shareholder or the Company
from obtaining the Loan, or in the reasonable opinion of counsel for Shareholder
or the Company could result in the obtaining of material damages or other relief
from Shareholder or the Company, in connection with this Agreement or the
obtaining of the Loan.

         6.3      [Intentionally omitted.]

         6.4 Execution and Delivery of Documents. InterCept shall have executed
             -----------------------------------
and delivered all the documents required by this Agreement; and all other
agreements, certificates, and other documents delivered by InterCept to the
Company and Shareholder hereunder shall be in form and substance satisfactory to
counsel for the Company and Shareholder.

         6.5 Other Necessary Consents.  Shareholder and the Company shall have
             ------------------------
obtained all consents, approvals, and estoppels listed in the Disclosure
Memorandum.

         6.6 Delivery of Documents. InterCept shall have executed and delivered
             ---------------------
or caused to be delivered to Shareholder the Pledge Agreement in the form
attached hereto as Exhibit 6.6(a).

Section 7.  Conditions to Obligations of InterCept

         The obligations of InterCept to be performed hereunder shall be subject
to the satisfaction (or waiver by InterCept) at or before the Closing of each of
the following conditions:

         7.1 Representations, Warranties and Covenants. Each of the
             -----------------------------------------
representations and warranties of Shareholder and the Company contained in this
Agreement shall be true in all respects as of the time of the Closing; and the
Company and Shareholder shall have performed and complied in all respects with
the respective covenants and agreements set forth herein to be performed or
complied with by them at or before the Closing.

         7.2 Litigation. No suit, investigation, action or other proceeding
             ----------
shall be pending or overtly threatened before any court or governmental agency,
which has resulted in the restraint or prohibition of InterCept from making the
Loan, or in the reasonable opinion of counsel for

<PAGE>

InterCept could result in the obtaining of material damages or other relief from
InterCept, in connection with this Agreement or the making of the Loan.

         7.3 Opinions of Counsel to the Company and Shareholder. InterCept shall
             --------------------------------------------------
have received from counsel to Shareholder and the Company opinion letters
reasonably acceptable to InterCept.

         7.4 Execution and Delivery of Documents. The Company and Shareholder
             -----------------------------------
shall have executed and delivered all the documents required herein (including
the Disclosure Memorandum); and all other agreements, certificates, and other
documents delivered by the Company and Shareholder to InterCept hereunder shall
be in form and substance satisfactory to counsel for InterCept.

         7.5 Other Necessary Consents.  Shareholder and the Company shall
             ------------------------
have obtained all consents, approvals, and estoppels necessary for the making of
the Loan, including those listed in the Disclosure Memorandum.

         7.6 Delivery of Documents.  The Company and Shareholder shall have
             ---------------------
executed and delivered or caused to be delivered to InterCept all of the
following agreements:

                (a) the Note in the form attached hereto as Exhibit 7.6(a); and
                                                            --------------

                (b) Pledge Agreement in the form attached hereto as Exhibit
                                                                    -------
6.6(a), together with the stock powers required therein.
-------------------------------------------------------

Section 8.  Default and Remedies

         8.1 Events of Default.  The occurrence of any of the following shall
             -----------------
constitute an Event of Default hereunder:

                (a) Default in the payment of the principal of or interest on
the indebtedness evidenced by the Note in accordance with the terms of the Note,
which default is not cured within five (5) business days;

                (b) Any misrepresentation by Borrowers as to any material matter
hereunder or under any of the other Loan Documents; or delivery thereunder by
Borrowers of any schedule, statement, resolution, report, certificate, notice or
writing to InterCept in respect of the Loan that is untrue in any material
respect on the date as of which the facts set forth therein are stated or
certified;

                (c) Failure of either Borrower to perform any of their
obligations, covenants or agreements under this Agreement (as such Agreement may
be amended, modified or restated from time to time);

                (d) Either Borrower (i) shall generally not pay or shall be
unable to pay its debts as such debts become due, or (ii) shall make an
assignment for the benefit of

<PAGE>

creditors or petition or apply to any tribunal for the appointment of a
custodian, receiver or trustee for it or a substantial part of its assets, or
(iii) shall commence any proceeding as a debtor under any bankruptcy,
reorganization, arrangement, readjustment of debt, dissolution or liquidation
law or statute of any jurisdiction, whether now or hereafter in effect, or (iv)
shall have had any such petition or application filed or any such proceeding
commenced against it that is not dismissed within ninety (90) days, or (v) shall
indicate, by any act or intentional and purposeful omission, its consent to,
approval of or acquiescence in any such petition, application, proceeding or
order for relief or the appointment of a custodian, receiver or trustee for it
or a substantial part of its assets, or (vi) shall suffer any such
custodianship, receivership or trusteeship to continue undischarged for a period
of ninety (90) days or more;

                (e) Either Borrower shall be liquidated, dissolved, partitioned,
or terminated, or its charter shall expire or be revoked; save and except for
the liquidation, winding up and dissolution of the Company under applicable
Kansas corporation statutes pursuant to the Purchase Agreement; and

                (f) A default or event of default shall occur under any of the
other Loan Documents and, if subject to a cure right, such default or event of
default shall not be cured within the applicable cure period.

         With respect to any Event of Default described above that is capable of
being cured and that does not already provide its own cure procedure (a "Curable
Default"), the occurrence of such Curable Default shall not constitute an Event
of Default hereunder if such Curable Default is fully cured and/or corrected
within thirty (30) days (provided that there shall be no cure period if such
Curable Default can be cured by payment of a sum of money) after notice thereof
to Borrowers given in accordance with the provisions hereof; provided, however,
that this provision shall not require notice to Borrowers and an opportunity to
cure any Curable Default of which any Borrower has had actual knowledge for the
requisite number of days set forth.

         8.2 Acceleration of Maturity; Remedies. Upon the occurrence of any
             ----------------------------------
Event of Default described in subsection 8.1(d), the indebtedness evidenced by
the Note shall be immediately due and payable in full; and upon the occurrence
of, and during the continuance of, any other Event of Default described above,
InterCept at any time may at its option accelerate the maturity of the
indebtedness evidenced by the Note, all without notice of any kind. Upon the
occurrence of any such Event of Default and the acceleration of the maturity of
the indebtedness evidenced by the Note:

                (a) InterCept shall be immediately entitled to exercise any and
all rights and remedies possessed by InterCept pursuant to the terms of the Note
and all of the other Loan Documents; and

                (b) InterCept shall have any and all other rights and remedies
that InterCept may now or hereafter possess at law, in equity or by statute.

<PAGE>

Notwithstanding any other term contained in this Agreement, the Note, the Pledge
Agreement or the Loan Documents, InterCept's remedies against the Borrowers with
respect to the Obligations shall be limited solely to the Pledged Collateral.

         8.3 Remedies Cumulative; No Waiver. No right, power or remedy conferred
             ------------------------------
upon or reserved to InterCept by this Agreement or any of the other Loan
Documents is intended to be exclusive of any other right, power or remedy, but
each and every such right, power and remedy shall be cumulative and concurrent
and shall be in addition to any other right, power and remedy given hereunder,
under any of the other Loan Documents or now or hereafter existing at law, in
equity or by statute. No delay or omission by InterCept to exercise any right,
power or remedy accruing upon the occurrence of any Event of Default shall
exhaust or impair any such right, power or remedy or shall be construed to be a
waiver of any such Event of Default or an acquiescence therein, and every right,
power and remedy given by this Agreement and the other Loan Documents to
InterCept may be exercised from time to time and as often as may be deemed
expedient by InterCept.

         8.4  Proceeds of Remedies.  Any or all proceeds resulting from the
              --------------------
exercise of any or all of the foregoing remedies shall be applied as set
forth below:

               First, to the costs and expenses, including without limitation
          reasonable attorneys' fees and disbursements, incurred by InterCept in
          connection with the exercise of its remedies;

               Second, to the expenses of curing the default that has occurred,
          in the event that InterCept elects, in its sole discretion, to cure
          the default that has occurred;

               Third, to the payment of the Obligations of Borrowers, including
          but not limited to the payment of the principal of and interest on the
          indebtedness evidenced by the Note, in such order of priority as
          InterCept shall determine in its sole discretion; and

               Fourth, the remainder, if any, to Borrowers or to any other
          person lawfully thereunto entitled.

Section 9.  Termination

         This Agreement shall remain in full force and effect until the payment
in full by Borrowers of the Obligations, at which time InterCept shall cancel
the Note and deliver it to Borrowers; provided, however, that the indemnity
provided below shall survive the termination of this Agreement.

Section 10.  Miscellaneous

         10.1 Notices. All notices, requests, demands, consents and other
              -------
communications required or permitted hereunder shall be in writing and shall be
deemed to have been duly given when delivered by overnight courier or express
mail service or by postage pre-paid certified or registered mail, return receipt
requested (the return receipt constituting prima facie evidence of
                                           -----------

<PAGE>

the giving of such notice, request, demand or other communication), by personal
delivery, or by fax with confirmation of receipt to the following address or
such other address of which a party subsequently may give notice to all the
other parties:

To the Company
or Shareholder:                SLMsoft.com Inc.
                               1 Yorkdale Road, Suite 600
                               Toronto, Ontario M6A 3A1
                               Attention: Dev Misir
                               Fax No. (416) 789-9078

                               With a copy to:

                               Gowling, Lafleur & Henderson LLP
                               Suite 4900
                               Commerce Court West
                               Toronto, Ontario  M5L 1J3
                               Attention:  Howie C. Wong
                               Fax No. (416) 862-7661

To InterCept:                  The InterCept Group, Inc.
                               3150 Holcomb Bridge Road, Suite 200
                               Norcross, GA 30071
                               Attention:  John Collins and Scott R. Meyerhoff
                               Fax: (770) 840-2521

                               and

                               Nelson Mullins Riley & Scarborough, L.L.P.
                               First Union Building, Suite 1400
                               999 Peachtree Street
                               Atlanta, Georgia  30309
                               Attention: Charles D. Vaughn, Esq.
                               Fax:  (404) 817-6150

         10.2 Parties Bound by Agreement; Successors and Assigns. This
              --------------------------------------------------
Agreement, and the terms, covenants and conditions hereof, shall be binding upon
and inure to the benefit of InterCept and to all holders of the indebtedness
secured hereby and their respective successors and permitted assigns and to the
Borrowers and the Borrowers' successors, legal representatives and assigns,
except that the Borrowers shall not be permitted to assign this Agreement or any
interest herein or in the Pledged Collateral, or any part thereof (except as
permitted under the terms of this Agreement), or any cash or property held by
InterCept as collateral under this Agreement. InterCept shall only assign all or
a portion of its rights and obligations hereunder and under the other Loan
Documents either (a) in connection with a Corporate Restructuring, or (b) if
consented to by Shareholder in writing, which consent shall not be unreasonably
withheld. Notwithstanding the foregoing, Shareholder consents to and
acknowledges that InterCept will be

<PAGE>

collaterally assigning to First Union National Bank all of its rights and
remedies with respect to this Agreement, the Note and the other Loan Documents
pursuant to the Collateral Assignment. InterCept may, in connection with any
assignment or proposed assignment, disclose to the assignee or proposed
participant any information relating to the Borrowers furnished to InterCept by
or on behalf of the Borrowers. Furthermore, the Borrowers acknowledge that
InterCept will be providing information relating to the Borrowers furnished to
InterCept by or on behalf of the Borrowers to First Union National Bank on a
regular basis. No notice to or demand on the Borrowers shall entitle the
Borrowers to any other or further notice or demand in the same, similar or other
circumstances.

         10.3 Entire Agreement. This Agreement, the Disclosure Memorandum and
              ----------------
all other certificates, schedules and other documents delivered pursuant to this
Agreement constitute the entire agreement between the parties with respect to
the Loan, and supersede and are in full substitution of any and all prior
agreements and understandings, both oral and written, between the parties
relating to such transaction.

         In the event of any conflict between the terms of this Agreement, on
the one hand, and the terms of the Note, the Pledge Agreement and the other Loan
Documents, on the other hand, then this Agreement shall be paramount and prevail
to the extent of the conflict.

         10.4 Descriptive Headings.  The descriptive headings of the
              --------------------
Sections of this Agreement are inserted for convenience only and shall not
control or affect the meaning or construction of any of the provisions hereof.

         10.5 Counterparts. This Agreement may be executed in any number of
              ------------
counterparts, each of which shall be an original, but all of which together
shall constitute one instrument. Receipt of a facsimile version of an executed
signature page by a party to this Agreement shall constitute satisfactory
evidence of execution of this Agreement by such party.

         10.6 Amendments and Waivers. No modification, termination, extension,
              ----------------------
renewal, or waiver of any provision of this Agreement shall be binding upon a
party unless made in writing and signed by such party. A waiver on one occasion
shall not be construed as a waiver of any right on any future occasion. No delay
or omission by a party in exercising any of its rights hereunder shall operate
as a waiver of such rights.

         10.7 Governing Law, Jurisdiction and Venue. This Agreement is executed
              -------------------------------------
by InterCept in, and shall be construed in accordance with and governed by the
laws of the State of Georgia, without regard to its conflict of law principles.
Shareholder consents to exclusive jurisdiction by the state and federal courts
sitting in Fulton County in the State of Georgia.

         10.8 No Third-Party Beneficiaries. With the exception of the parties to
              ----------------------------
this Agreement and the Indemnified Persons, there shall exist no right of any
person to claim a beneficial interest in this Agreement or any rights accruing
by virtue of this Agreement.

<PAGE>

         10.9 Gender and Number. Where the context requires, the use of a
              -----------------
pronoun of one gender or the neuter is to be deemed to include a pronoun of the
appropriate gender, singular words are to be deemed to include the plural, and
vice versa.

         10.10 Expenses. Each of the expenses incurred by InterCept, the Company
               --------
and Shareholder in connection with the authorization, preparation, execution and
performance of this Agreement, including without limitation all fees,
commissions, and expenses of agents, representatives, counsel, accountants,
investment bankers, brokers and finders, shall be paid by the party that
incurred such expenses.

         10.11 Survival of Warranties. The respective representations and
               ----------------------
warranties of the Company, Shareholder and InterCept under this Agreement shall
not merge, but will survive the Closing for the earlier of a period of two years
and the termination of this Agreement.

         10.12 Indemnification.
               ---------------

                (a) By Shareholder and the Company. For a period of two years
                    ------------------------------
following the Closing Date, Shareholder and the Company shall jointly and
severally indemnify, reimburse and hold harmless InterCept, its Affiliates and
any successor or assigns (the "Indemnified Persons") for any and all direct or
                              ---------------------
indirect claims, losses, liabilities (actual or contingent), damages (including
special and consequential damages), costs (including court costs) and expenses
(including all attorneys' and accountants' fees and expenses) (hereinafter a
"Loss" or "Losses"), as a result of or in connection with (i) any breach,
------    --------
inaccuracy or untruth of any warranty or covenant by Shareholder or the Company
contained in this Agreement, whether such breach, inaccuracy or untruth exists
or is made on the date of this Agreement or as of the Closing, or (ii) any fees,
commissions or expenses of any broker or finder engaged by the Company or
Shareholder in connection with the Loan or this Agreement or any other Loan
Document.

                (b) Limitations with Respect to Minimum Amount. Neither
                    ------------------------------------------
Shareholder nor the Company shall have liability (for indemnification or
otherwise) to InterCept with respect to the matters described in this Section
10.12 unless and until the total of all damages incurred by the Indemnified
Persons with respect to such matters exceeds $50,000. The indemnification
obligations of Shareholder and the Company shall be subject to the survival
limitations set forth in Section 10.11, after which time, if no Losses have been
asserted against a party, then that party shall have no further liability
hereunder.

                (c) Notification. InterCept hereby undertakes to notify
                    ------------
Shareholder without delay of the occurrence of any event that constitutes or may
with the passage of time constitute an event entitling any Indemnified Person to
indemnification under this Section.

                (d) Notice of Claim. To seek indemnification hereunder, an
                    ---------------
Indemnified Person shall notify the Borrowers of any claim for indemnification,
specifying in reasonable detail the nature of the Loss and the amount or an
estimate of the amount thereof.

                (e) Litigation Assumption. The party against whom indemnity is
                    ---------------------
being sought by the Indemnified Person shall have the right to assume the
litigation, defense and settlement, as

<PAGE>

the case may be, of a purported Loss which arises from a claim from a third
party and the Indemnified Person shall co-operate with the party in such
litigation, defense and settlement, as the case may be.

         10.13 No Public Announcements. Prior to Closing, without the prior
               -----------------------
written consent of the other parties, neither InterCept, Shareholder, nor the
Company shall make any press release or other public disclosure, or make any
statement to any customer, supplier, employee or other person with regard to the
Loan, except as required by law. After Closing, without the prior written
consent of each other, neither InterCept nor Shareholder or the Company shall
make any press release or other public disclosure with regard to the Loan,
except as required by law or applicable SEC or Canadian securities laws. Both
parties acknowledge that InterCept shall file a Form 8-K with the Securities and
Exchange Commission describing the transactions contemplated by the Loan
Documents, and that the Shareholder shall file a Material Change Report with the
Canadian securities regulators.

         10.14 Time of the Essence. Time is of the essence with respect to each
               -------------------
and every covenant, agreement, and obligation of Borrowers hereunder and under
all of the other Loan Documents.

         10.15 Severability. If any provision(s) of this Agreement or the
               ------------
application thereof to any person or circumstance shall be invalid or
unenforceable to any extent, the remainder of this Agreement and the application
of such provisions to other persons or circumstances shall not be affected
thereby and shall be enforced to the greatest extent permitted by law.

         10.16 Interest and Loan Charges Not to Exceed Maximum Allowed by Law.
               --------------------------------------------------------------
This Agreement, the Note and the other Loan Documents are expressly limited so
that in no event whatsoever, whether by reason of advancement of proceeds of the
Loan, acceleration of the maturity of the unpaid balance of the Loan or
otherwise, shall the amount paid or agreed to be paid to InterCept for the use
of the money advanced or to be advanced hereunder exceed the maximum rate
permitted by law (the "Maximum Rate"). If, for any circumstances whatsoever, the
fulfillment of any provision of this Agreement, the Note or the other Loan
Documents now or hereafter evidencing, securing or in any way relating to the
debt evidenced by the Note shall involve the payment of interest in excess of
the Maximum Rate, then, ipso facto, the obligation to pay interest under the
Note shall be reduced to the Maximum Rate; and if for any circumstance
whatsoever, InterCept shall ever receive interest, the amount of which would
exceed the amount collectible at the Maximum Rate, such amount as would be
excessive interest shall be applied to the reduction of the principal balance
remaining unpaid hereunder and not to the payment of interest.

         10.17 Construction and Interpretation. Should any provision of this
               -------------------------------
Agreement require judicial interpretation, the parties hereto agree that the
court interpreting or construing the same shall not apply a presumption that the
terms hereof shall be more strictly construed against one party by reason of the
rule of construction that a document is to be more strictly construed against
the party that itself or through its agent prepared the same, it being agreed
that Borrowers, InterCept and their respective agents have participated in the
preparation hereof.

<PAGE>

         10.18 Pledged Collateral Remains Restricted Under Purchase Agreement.
               --------------------------------------------------------------
Under the Purchase Agreement, InterCept issued shares of InterCept Common Stock
to Shareholder and the Company in a transaction exempt from registration under
the Securities Act of 1933 by reason of Section 4(2) thereof, Regulation D
promulgated thereunder, or other private offering exemptions, as well as an
appropriate exemption under the Canadian National Territorial Provincial Rule.
Under the Purchase Agreement, a specified legend was placed on the certificates
evidencing the shares issued at the closing of the Purchase Agreement and will
be placed on up to 385,872 shares to be earned by and issued to Shareholder, as
nominee for the Company, subject to the terms and conditions set forth in the
Purchase Agreement. Notwithstanding any other discussions or correspondence
among the parties hereto, they reaffirm their mutual understanding and agreement
that placing the legend on all share certificates issued under the Purchase
Agreement is necessary and appropriate until such legends are eligible to be
removed either pursuant to registration of such shares or the availability of an
exemption for the transfer of such shares.

         10.19  Definitions.  For purposes of this Agreement, the following
                -----------
terms shall have the following meanings:

         "Affiliates" of a particular Person means other Persons controlled by,
         ------------
controlling, or under common control with, such Person.

         "Charter Documents" means the articles of incorporation and bylaws of
         -------------------
the Company, Shareholder, or InterCept, as the context requires.

         "Closing" means the consummation of the making of the Loan under the
         ---------
terms of this Agreement.

         "Closing Date" means the date on which the Closing occurs.
         --------------

         "Collateral Assignment" means the Collateral Assignment of Rights under
         -----------------------
SLM Loan Documents between InterCept and First Union National Bank dated
December __, 2001.

         "Corporate Restructuring" means (a) that InterCept or an affiliated
         -------------------------
subsidiary of InterCept is a party to a merger, consolidation, spin-off,
corporate reorganization, or corporate restructuring, (b) the sale, transfer,
conveyance, or lease by InterCept of all or any substantial part of InterCept's
assets taken as a whole including the assets of InterCept's subsidiaries, or (c)
any transaction of InterCept that results in a majority of InterCept's directors
immediately subsequent to such transaction being individuals who were not
directors of InterCept immediately prior to such transaction.

         "Disclosure Memorandum" means the memorandum signed and delivered by
         -----------------------
Shareholder and the Company on the Closing Date containing information required
to be disclosed under this Agreement.

         "Encumbrance" means any mortgage, charge (whether fixed or floating),
         -------------
security interest, pledge, claim, right of first refusal, lien (including,
without limitation any unpaid vendor's lien),

<PAGE>
option,

option, hypothecation, title retention or conditional sale agreement, lease,
option, restriction as to transfer, use or possession, easement, subordination
to any right of any other person, and any other encumbrance on the absolute and
unfettered use and ownership of any asset or property.

         "Person" means a corporation, partnership, trust, limited liability
         --------
company, other business entity or an individual.

         "Rule" means any law, statute, rule, regulation, order, court decision,
         ------
judgment or decree of any federal, state, territorial, provincial or municipal
authority or body, and, when it is commonly proper to follow them,
non-compulsory recommendations of any such public authorities and bodies.

         "Subsidiary" means any commercial company or other business entity
         ------------
controlled by Shareholder or the Company or any subsidiary of the Company,
including any entity (whether or not deemed to have an independent legal
personality) in which the shareholder's liability is not limited to its
contribution.

<PAGE>

         Each of the parties hereto has caused this Loan Agreement to be duly
executed on its behalf as of the date indicated on the first page hereof and
this Loan Agreement has been delivered on December 3, 2001.

INTERCEPT:

THE INTERCEPT GROUP, INC., a Georgia corporation

By:      /s/ Scott R. Meyerhoff
     ------------------------------------------------
     Name:  Scott R. Meyerhoff
     Title: Chief Financial Officer

SHAREHOLDER:

SLMSOFT.COM INC., a corporation formed under the laws of the Province of Ontario

By:      /s/ Dev Misir
    --------------------------------------------------
     Name:  Dev Misir
     Title: Chief Financial Officer and Executive Vice President

THE COMPANY:

SLMSOFT.COM INC., a Kansas corporation

By:      /s/ Dev Misir
    --------------------------------------------------
     Name: Dev Misir
     Title:Chief Financial Officer and Executive Vice President

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