Document:

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                                                                Exhibit 10.12(n)

                                                                       EXECUTION

                             PLANVISTA CORPORATION
                           PLANVISTA SOLUTIONS, INC.

                       PROMISSORY NOTE DUE JULY 1, 2003

$184,872.00                                                       April 12, 2002
                                                                  Tampa, Florida

          FOR VALUE RECEIVED, PLANVISTA CORPORATION, a Delaware corporation
(f/k/a HealthPlan Services Corporation) ("PVC") and PLANVISTA SOLUTIONS, INC., a
                                          ---
New York corporation (f/k/a National Preferred Provider Network, Inc.) ("PVSI")
                                                                         ----
(PVC and PVSI being collectively referred to herein as the "Makers" and
                                                            ------
sometimes individually as a "Maker"), unconditionally, jointly and severally
                             -----
promise to pay to the order of WACHOVIA BANK, NATIONAL ASSOCIATION (f/k/a FIRST
UNION NATIONAL BANK), as agent for the Lenders (together with their permitted
successors and assigns, the "Existing Lenders") listed in Schedule 1 annexed
                             ----------------             ----------
hereto (in such capacity, "Agent Payee"), in the manner and at the place
                           -----------
hereinafter provided, the principal amount of ONE HUNDRED EIGHTY-FOUR THOUSAND
EIGHT HUNDRED SEVENTY-TWO DOLLARS AND NO  CENTS ($184,872.00), representing a
portion of accrued and unpaid interest with respect to the Existing Loans under
the Existing Agreement, in the manner and at the times set forth below.
Capitalized terms used herein without definition shall have the meanings
ascribed to them in the Credit Agreement referenced below.

          Makers jointly and severally agree to pay the principal amount of this
Note in twelve (12) equal consecutive monthly installments of $15,406.00 on the
last Business Day of each calendar month, commencing July 31, 2002.  This Note
shall mature, and all unpaid principal, interest and any other amounts
outstanding hereunder shall be due and payable on the earliest of (a) July 1,
2003 and (b) the acceleration of or payment in full of the outstanding
"Obligations" under and as defined in the Credit Agreement (such earliest date,
the "Maturity Date").
     -------------

          Makers also, jointly and severally, promise to pay interest on the
unpaid principal amount hereof from the date hereof until paid in full at the
Prime Rate plus one percent (1%) per annum.  Interest on this Note shall be
           ----
payable in arrears upon any prepayment of this Note (to the extent accrued on
the amount being prepaid) and at maturity.  All computations of interest shall
be made by Agent Payee on the basis of a 360-day year, for the actual number of
days elapsed in the relevant period (including the first day but excluding the
last day).  In no event shall the interest rate payable on this Note exceed the
maximum rate of interest permitted to be charged under applicable law.

          1.   Payments. All payments of principal and interest in respect of
               --------
this Note shall be made in lawful money of the United States of America in same
day funds at the office of Agent Payee located at 301 South College Street DC-
10, Charlotte, North Carolina 28207-0735,
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or at such other place as Agent Payee may direct, for prompt distribution by
Agent Payee to each Existing Lender of such Existing Lenders' pro rata share of
such payment set forth opposite the name of such Existing Lender in Schedule 1
                                                                    ----------
annexed hereto. Whenever any payment on this Note is stated to be due on a day
that is not a Business Day, such payment shall instead be made on the next
Business Day, and such extension of time shall be included in the computation of
interest payable on this Note. Each payment made hereunder shall be credited
first to interest then due and the remainder of such payment shall be credited
to principal, and interest shall thereupon cease to accrue upon the principal so
credited. Each of Agent Payee and any subsequent holder of this Note for the
benefit of the Existing Lenders agrees, by its acceptance hereof, that before
disposing of this Note or any part hereof it will make a notation hereon of all
principal payments previously made hereunder and of the date to which interest
hereon has been paid; provided, however, that the failure to make a notation of
                      --------
any payment made on this Note shall not limit or otherwise affect the obligation
of Makers hereunder with respect to payments of principal or interest on this
Note. Section 4.5 of the Credit Agreement as in effect on the date hereof is
hereby incorporated herein by reference, mutatis mutandis, and by accepting the
benefits hereof, each Existing Lender hereby agrees to the terms of such section
and the other provisions of this Note.

          2.   Prepayments. Maker shall have the right at any time and from time
               -----------
to time to prepay the principal of this Note in whole or in part, without
premium or penalty. Any prepayment hereunder shall be accompanied by interest on
the principal amount of the Note being prepaid to the date of prepayment.

          3.   Reference Agreements. This Note is issued with reference to that
               --------------------
certain Third Amended and Restated Credit Agreement of even date herewith by and
among Makers, the financial institutions listed therein as Lenders (the
"Lenders"), and Wachovia Bank, National Association (f/k/a First Union National
 -------
Bank), as Administrative Agent (the "Administrative Agent") (said Third Amended
                                     --------------------
and Restated Credit Agreement, as it may be amended, supplemented or otherwise
modified from time to time, being the "Credit Agreement"). The Obligations (as
                                       ----------------
defined below) under this Note are guarantied by the Subsidiary Guaranty
Agreement and secured pursuant to, among other things, the provisions of the
Security and Pledge Agreement, each as executed in connection with the Credit
Agreement. For purposes of this Note, "Obligations" means, in each case, whether
now in existence or hereafter arising: (a) the principal of and interest on
(including interest accruing after the commencement of any bankruptcy or similar
proceeding) the loan hereunder and (b) all other fees and commissions (including
attorney's fees), charges, indebtedness, loans, liabilities, financial
accommodations, obligations, covenants and duties owing by each Maker to Agent
Payee and any Existing Lender, of every kind, nature and description, direct or
indirect, absolute or contingent, due or to become due, contractual or tortious,
liquidated or unliquidated, and whether or not evidenced by any note, and
whether or not for the payment of money, in each case under or in respect of
this Note, the Subsidiary Guaranty Agreement or the Security and Pledge
Agreement.

          4.   Representations and Warranties. Each Maker hereby represents and
               ------------------------------
warrants to Agent Payee and each Existing Lender that:

          (a)  it is a duly organized, validly existing corporation, partnership
     or limited liability company organized under the laws of the state of its
     organization and is in good

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     standing or active status, as applicable, under the laws of such state, has
     the power and authority to own its properties and to carry on its business
     as now being and hereafter proposed to be conducted and is duly qualified
     (or otherwise licensed) and authorized to do business in each jurisdiction
     in which the character of its properties or the nature of its business
     requires such qualification and authorization except where the failure to
     so qualify could not reasonably be expected to have a Material Adverse
     Effect;

          (b)  it has the right, power and authority and has taken all necessary
     action to authorize the execution, delivery and performance of this Note in
     accordance with its terms;

          (c)  this Note has been duly executed and delivered by the duly
     authorized officers of such Maker, and constitutes the legal, valid and
     binding obligation of each such Maker enforceable in accordance with its
     terms, except as such enforcement may be limited by bankruptcy, insolvency,
     reorganization, moratorium or other similar laws, the enforcement of
     creditors' rights in general and the availability of equitable remedies;

          (d)  the execution, delivery and performance by such Maker of this
     Note, in accordance with its terms, the borrowings hereunder and the
     transactions contemplated hereby and thereby do not and will not, by the
     passage of time, the giving of notice or otherwise, (i) require any
     Governmental Approval not previously obtained and disclosed in writing to
     Agent Payee or violate any Applicable Law relating to Makers, (ii) conflict
     with, result in a breach of or constitute a default under the articles of
     incorporation, by-laws or other organizational documents of such Maker or
     any indenture, agreement or other instrument to which such Person is a
     party or by which any of its properties may be bound or any Governmental
     Approval relating to such Person, (iii) result in or require the creation
     or imposition of any Lien upon or with respect to any property now owned or
     hereafter acquired by such Person other than Liens arising under this Note,
     or (iv) require any approval of stockholders or similar equity holders or
     any approval or consent of any Person under any indenture, agreement or
     other instrument to which such Person is a party or by which any of its
     properties may be bound, except for such approvals or consents which will
     be obtained on or before the date hereof and disclosed in writing to Agent
     Payee.

          5.   Events of Default. The occurrence of any of the following events
               -----------------
shall constitute an "Event of Default":
                     ----------------

          (a)  failure of Maker to pay any principal, interest or other amount
     due under this Note when due, whether at stated maturity, by required
     prepayment, declaration, acceleration, demand or otherwise; or

          (b)  (i) a court having jurisdiction in the premises shall enter a
     decree or order for relief in respect of any Maker, any Subsidiary
     Guarantor or any of their respective subsidiaries in an involuntary case
     under the Bankruptcy Code or any applicable bankruptcy, insolvency or other
     similar law now or hereafter in effect, which decree or order is not
     stayed; or any other similar relief shall be granted under any applicable
     federal or state law; or (ii) an involuntary case shall be commenced
     against any Maker,

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     any Subsidiary Guarantor or any of their respective subsidiaries under any
     applicable bankruptcy, insolvency or other similar law now or hereafter in
     effect; or a decree or order of a court having jurisdiction in the premises
     for the appointment of a receiver, liquidator, sequestrator, trustee,
     custodian or other officer having similar powers over any Maker, any
     Subsidiary Guarantor or any of their respective subsidiaries or over all or
     a substantial part of its property shall have been entered; or the
     involuntary appointment of an interim receiver, trustee or other custodian
     of any Maker, any Subsidiary Guarantor or any of their respective
     subsidiaries for all or a substantial part of its property shall have
     occurred; or a warrant of attachment, execution or similar process shall
     have been issued against any substantial part of the property of any Maker,
     any Subsidiary Guarantor or any of their respective subsidiaries, and, in
     the case of any event described in this clause (ii), such event shall have
     continued for 30 days unless dismissed, bonded or discharged; or

          (c)  an order for relief shall be entered with respect to any Maker,
     any Subsidiary Guarantor or any of their respective subsidiaries or any
     Maker, any Subsidiary Guarantor or any of their respective subsidiaries
     shall commence a voluntary case under the Bankruptcy Code or any applicable
     bankruptcy, insolvency or other similar law now or hereafter in effect, or
     shall consent to the entry of an order for relief in an involuntary case,
     or to the conversion of an involuntary case to a voluntary case, under any
     such law, or shall consent to the appointment of or taking possession by a
     receiver, trustee or other custodian for all or a substantial part of its
     property; or any Maker, any Subsidiary Guarantor or any of their respective
     subsidiaries shall make an assignment for the benefit of creditors; or any
     Maker, any Subsidiary Guarantor or any of their respective subsidiaries
     shall be unable or fail, or shall admit in writing its inability, to pay
     its debts as such debts become due; or

          (d)  any Maker or any Subsidiary Guarantor shall challenge, or
     institute any proceedings to challenge, the validity, binding effect or
     enforceability of this Note or the Subsidiary Guaranty Agreement or any
     endorsement of this Note or any other obligation to Agent Payee or the
     Existing Lenders; or

          (e)  the Subsidiary Guaranty Agreement or the Security and Pledge
     Agreement or any provision thereof shall cease to be in full force or
     effect or shall be declared to be null or void or otherwise unenforceable
     in whole or in part; or Agent Payee, for the benefit of Existing Lenders,
     shall not have or shall cease to have a valid and perfected first priority
     security interest in the collateral described in the Security and Pledge
     Agreement; or any Subsidiary Guarantor or any Person acting by or on behalf
     of such Subsidiary Guarantor shall deny or disaffirm such Subsidiary
     Guarantor's obligations under the Subsidiary Guaranty Agreement; or any
     Subsidiary Guarantor shall default (beyond any applicable grace period) in
     the due performance or observance of any term, covenant or agreement on its
     part to be performed or observed pursuant to the Subsidiary Guaranty
     Agreement; or

          (f)  the occurrence of any "Event of Default" under and as defined in
     the Credit Agreement.

                                       4
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          6.   Remedies. Upon the occurrence of any Event of Default specified
               --------
in Section 5(b) or 5(c) above, the principal amount of this Note together with
   ------------    ----
accrued interest thereon shall become immediately due and payable, without
presentment, demand, notice, protest or other requirements of any kind (all of
which are hereby expressly waived by Makers). Upon the occurrence and during the
continuance of any other Event of Default Agent Payee may, or at the direction
of Required Existing Lenders (as defined below) shall, by written notice to
Makers, declare the principal amount of this Note together with accrued interest
thereon to be due and payable, and the principal amount of this Note together
with such interest shall thereupon immediately become due and payable without
presentment, further notice, protest or other requirements of any kind (all of
which are hereby expressly waived by Makers). In either case Agent Payee and
Existing Lenders may, in addition to exercising any other rights and remedies it
may have, exercise those rights of set off provided for in Section 7(e). For
                                                           ------------
purposes of this Note, "Required Existing Lenders" means, at any date, the
Existing Lenders having or holding at least 66-2/3% of the sum of the
outstanding principal balance of this Note as set forth on Schedule 1 annexed
hereto.

          7.   Miscellaneous.
               -------------

          (a)  Notices. All notices and communications hereunder shall be in
               -------
     writing, or by telephone subsequently confirmed in writing. Any notice
     shall be effective if delivered by hand delivery or sent via telecopy,
     recognized overnight courier service or certified mail, return receipt
     requested, and shall be presumed to be received by a party hereto (i) on
     the date of delivery if delivered by hand or sent by telecopy, (ii) on the
     next Business Day if sent by recognized overnight courier service and (iii)
     on the third Business Day following the date sent by certified mail, return
     receipt requested. Notices to any party shall be sent as follows:

     If to Makers:       PlanVista Corporation
                         PlanVista Solutions, Inc.
                         4010 Boy Scout Blvd., Suite 200
                         Tampa, Florida 33607
                         Attention: Phillip S. Dingle, Chairman, Chief Executive
                           Officer
                         Telephone No.: 813/353-2300
                         Telecopy No.:  813/353-2321

     With a copy to:     Fowler White Boggs Banker P.A.
                         501 East Kennedy Blvd.
                         Tampa, Florida 33601
                         Attention: David C. Shobe, Esquire
                         Telephone No.: 813/228-7411
                         Telecopy No.:  813/229-9401

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     If to Agent Payee:  Wachovia Bank, National Association
                         One Wachovia Center, TW-10
                         301 South College Street
                         Charlotte, North Carolina 28288-0608
                         Attention: Syndication Agency Services
                         Telephone No.: 704/374-2698
                         Telecopy No.:  704/383-0288

     With a copy to:     Wachovia Bank, National Association
                         One Wachovia Center, DC-10
                         301 South College Street
                         Charlotte, North Carolina 28207-0748
                         Attention: Matthew Berk
                         Telephone No.: 704/383-0748
                         Telecopy No.:  704/383-6249

                         O'Melveny & Myers LLP
                         153 East 53rd Street
                         New York, New York 10022-4611
                         Attention: Adam Harris, Esquire
                         Telephone No.: 212/326-2182
                         Telecopy No.:  212/326-2061

          (b)  Expenses. Makers agree to promptly pay all reasonable out-of-
               --------
     pocket expenses of Agent Payee and Existing Lenders actually incurred in
     connection with the administration and enforcement of any rights and
     remedies of Agent Payee and Existing Lenders under this Note or in
     connection with any refinancing or restructuring of the credit arrangements
     provided under this Note in the nature of a "work-out" or pursuant to any
     insolvency or bankruptcy proceedings, in each case including consulting
     with appraisers, accountants, engineers, attorneys and other Persons
     concerning the nature, scope or value of any right or remedy of Agent Payee
     or any Existing Lender hereunder or any factual matters in connection
     therewith, which expenses shall include without limitation the reasonable
     fees and disbursements of such Persons.

          (c)  Indemnity. Each Maker, jointly and severally, agrees to defend,
               ---------
     indemnify and hold harmless Agent Payee and each Existing Lender and their
     respective parents, Subsidiaries, Affiliates, employees, agents, officers
     and directors, from and against any losses, penalties, fines, liabilities,
     settlements, damages, costs and expenses, suffered by any such Person in
     connection with any claim, investigation, litigation or other proceeding
     (whether or not any such Person shall be designated as a party thereto) and
     the prosecution and defense thereof, arising out of or in any way connected
     with this Note or the transactions contemplated hereby or thereby, the
     loans or the use of the proceeds thereof, any claim under Environmental
     Laws or any Hazardous Materials relating to or arising from, directly or
     indirectly, any past or present activity, operation, land ownership, or
     practice of any Maker or any of its Subsidiaries, in each case including
     without limitation reasonable attorney's and consultant's fees, except to
     the extent that

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any of the foregoing directly result from the gross negligence or willful
misconduct of the party seeking indemnification therefor.

     (d)  Stamp and Other Taxes. Makers will pay any and all stamp,
          ---------------------
registration, recordation and similar taxes, fees or charges and shall indemnify
Agent Payee and each Existing Lender against any and all liabilities with
respect to or resulting from any delay in the payment or omission to pay any
such taxes, fees or charges which may be payable or determined to be payable in
connection with the execution, delivery, performance or enforcement of this Note
or the perfection of any rights thereunder.

     (e)  Set-off. In addition to any rights now or hereafter granted under
          -------
Applicable Law and not by way of limitation of any such rights, upon and after
the occurrence of any Event of Default and during the continuance thereof, each
of Agent Payee and each Existing Lender is hereby authorized by Makers at any
time or from time to time, without prior notice to the Makers or to any other
Person, any such prior notice being hereby expressly waived, to set off and to
appropriate and to apply any and all deposits (general or special, time or
demand, including, but not limited to, indebtedness evidenced by certificates of
deposit, whether matured or unmatured excluding government securities required
by Applicable Law to be held as security for worker's compensation and similar)
and any other indebtedness at any time held or owing by Makers, or any such
assignee or participant to or for the credit or the account of Makers against
and on account of the Obligations irrespective of whether or not (a) Agent Payee
or any Existing Lender shall have made any demand under this Note or any of the
other Loan Documents or (b) Agent Payee or any Existing Lender shall have
declared any or all of the Obligations to be due and payable as permitted by
Section 6 and although such Obligations shall be contingent or unmatured.
---------

     (f)  Governing Law. THIS NOTE SHALL BE GOVERNED BY, CONSTRUED AND ENFORCED
          -------------
IN ACCORDANCE WITH THE LAWS OF THE STATE OF NORTH CAROLINA, WITHOUT REFERENCE TO
THE CONFLICTS OR CHOICE OF LAW PRINCIPLES THEREOF.

     (g)  Consent to Jurisdiction. EACH MAKER HEREBY IRREVOCABLY CONSENTS TO THE
          -----------------------
PERSONAL JURISDICTION OF THE STATE AND FEDERAL COURTS LOCATED IN MECKLENBURG
COUNTY, NORTH CAROLINA, IN ANY ACTION, CLAIM OR OTHER PROCEEDING ARISING OUT OF
OR RELATING TO THIS NOTE, ANY RIGHTS OR OBLIGATIONS HEREUNDER, OR THE
PERFORMANCE OF SUCH RIGHTS AND OBLIGATIONS. EACH MAKER HEREBY IRREVOCABLY
CONSENTS TO THE SERVICE OF A SUMMONS AND COMPLAINT AND OTHER PROCESS IN ANY
ACTION, CLAIM OR PROCEEDING BROUGHT BY AGENT PAYEE OR ANY EXISTING LENDER IN
CONNECTION WITH THIS NOTE, ANY RIGHTS OR OBLIGATIONS HEREUNDER, OR THE
PERFORMANCE OF SUCH RIGHTS AND OBLIGATIONS, ON BEHALF OF ITSELF OR ITS PROPERTY,
IN THE MANNER SPECIFIED IN SECTION 6(A). EACH MAKER HEREBY IRREVOCABLY AND
UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT IT MAY LEGALLY AND EFFECTIVELY DO
SO, ANY

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OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY SUIT,
ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS NOTE IN ANY COURT
REFERRED TO ABOVE IN THIS SECTION 7(G). EACH OF THE PARTIES HERETO HEREBY
IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY LAW, THE DEFENSE OF ANY
INCONVENIENT FORUM TO THE MAINTENANCE OF SUCH ACTION OR PROCEEDING IN ANY SUCH
COURT. NOTHING IN THIS SECTION 7(G) SHALL AFFECT THE RIGHT OF AGENT PAYEE OR ANY
EXISTING LENDER TO SERVE LEGAL PROCESS IN ANY OTHER MANNER PERMITTED BY
APPLICABLE LAW OR AFFECT THE RIGHT OF AGENT PAYEE OR ANY EXISTING LENDER TO
BRING ANY ACTION OR PROCEEDING AGAINST ANY MAKER OR ANY OF ITS PROPERTIES IN THE
COURTS OF ANY OTHER JURISDICTIONS.

     (h)  Jury Trial. TO THE EXTENT PERMITTED BY LAW, AGENT PAYEE, EACH MAKER
          ----------
AND, BY ACCEPTING THE BENEFITS HEREOF, EACH EXISTING LENDER, HEREBY IRREVOCABLY
WAIVE, THEIR RESPECTIVE RIGHTS TO A JURY TRIAL WITH RESPECT TO ANY ACTION, CLAIM
OR OTHER PROCEEDING ARISING OUT OF ANY DISPUTE IN CONNECTION WITH THIS NOTE, ANY
RIGHTS OR OBLIGATIONS HEREUNDER, OR THE PERFORMANCE OF SUCH RIGHTS AND
OBLIGATIONS. The scope of this waiver is intended to be all-encompassing of any
and all Disputes that may be filed in any court and that relate to the subject
matter of this transaction, including contract claims, tort claims, breach of
duty claims and all other common law and statutory claims. Each party hereto
acknowledges that this waiver is a material inducement to enter into a business
relationship, that each has already relied on this waiver in entering into this
Note, and that each will continue to rely on this waiver in their related future
dealings. Each party hereto further warrants and represents that it has reviewed
this waiver with its legal counsel and that it knowingly and voluntarily waives
its jury trial rights following consultation with legal counsel. In the event of
litigation, this Note may be filed as a written consent to a trial by the court.

     (i)  Binding Arbitration. Upon demand of any party, whether made before or
          -------------------
after institution of any judicial proceeding, any dispute, claim or controversy
arising out of, connected with or relating to this Note ("Disputes"), between or
                                                          --------
among parties to this Note shall be resolved by binding arbitration as provided
herein. Institution of a judicial proceeding by a party does not waive the right
of that party to demand arbitration hereunder. Disputes may include, without
limitation, tort claims, counterclaims, claims brought as class actions, claims
arising from this Note executed in the future, or claims concerning any aspect
of the past, present or future relationships arising out of or connected with
this Note. Arbitration shall be conducted under and governed by the Commercial
Financial Disputes Arbitration Rules (the "Arbitration Rules") of the American
                                           -----------------
Arbitration Association and Title 9 of the U.S. Code. All arbitration hearings
shall be conducted in Charlotte, North Carolina. The expedited procedures set
forth in Rule 51, et seq. of the Arbitration Rules shall be applicable to claims
                  -- ---
of less than $1,000,000. All applicable statutes of limitation shall apply to
any Dispute. A judgment upon the award may be entered in any court having
jurisdiction. The panel from which

                                       8
<PAGE>

all arbitrators are selected shall be comprised of licensed attorneys. The
single arbitrator selected for expedited procedure shall be a retired judge from
the highest court of general jurisdiction, state or federal, of the state where
the hearing will be conducted.

     (j)  Preservation of Certain Remedies. Notwithstanding the preceding
          --------------------------------
binding arbitration provisions, the parties hereto preserve, without diminution,
certain remedies that such Persons may employ or exercise freely, either alone,
in conjunction with or during a Dispute. Each such Person shall have and hereby
reserves the right to proceed in any court of proper jurisdiction or by self
help to exercise or prosecute the following remedies: (i) all rights to
foreclose against any real or personal property or other security by exercising
a power of sale granted in this Note or under applicable law or by judicial
foreclosure and sale, (ii) all rights of self help including peaceful occupation
of property and collection of rents, set off, and peaceful possession of
property, (iii) obtaining provisional or ancillary remedies including injunctive
relief, sequestration, garnishment, attachment, appointment of receiver and in
filing an involuntary bankruptcy proceeding, and (iv) when applicable, a
judgment by confession of judgment. Preservation of these remedies does not
limit the power of an arbitrator to grant similar remedies that may be requested
by a party in a Dispute.

     (k)  Marshalling; Reversal of Payments. Agent Payee and Existing Lenders
          ---------------------------------
shall be under no obligation to marshal any assets in favor of any Maker or any
other party or against or in payment of any or all of the Obligations. To the
extent any Maker makes a payment or payments to Agent Payee or any Existing
Lender or Agent Payee or any Existing Lender receives any payment or proceeds of
the Collateral for any Maker's benefit which payments or proceeds or any part
thereof are subsequently invalidated, declared to be fraudulent or preferential,
set aside and/or required to be repaid to a trustee, receiver or any other party
under any bankruptcy law, state or federal law, common law or equitable cause,
then, to the extent of such payment or proceeds repaid, the Obligations or part
thereof intended to be satisfied shall be revived and continued in full force
and effect as if such payment or proceeds had not been received by Agent Payee.

     (l)  Injunctive Relief; Punitive Damages. Each Maker recognizes that, in
          -----------------------------------
the event any Maker fails to perform, observe or discharge any of its respective
obligations or liabilities under this Note, any remedy of law may prove to be
inadequate relief to Agent Payee. Therefore, each Maker agrees that Agent Payee,
at Agent Payee's option, shall be entitled to temporary and permanent injunctive
relief in any such case without the necessity of proving actual damages. Each
Maker hereby waives any right or claim to punitive or exemplary damages that it
may now have or may arise in the future in connection with any Dispute, whether
such Dispute is resolved through arbitration or judicially. Each Maker shall not
have a remedy of punitive or exemplary damages against any other party in any
Dispute and each Maker hereby waives any right or claim to punitive or exemplary
damages it has now or which may arise in the future in connection with any
Dispute whether the Dispute is resolved by arbitration or judicially.

     (m)  Certain Pledges or Assignments. This Note shall be binding upon and
          ------------------------------
inure to the benefit of each Maker, the Agent Payee and the Existing Lenders,
all future holders of

                                       9
<PAGE>

this Note, and their respective successors and assigns, except that each Maker
shall not assign or transfer any of its rights or obligations under this
Agreement without the prior written consent of each Existing Lender. Each
Existing Lender may, with the consent of the Agent Payee, which consent shall
not be unreasonably withheld, assign to on or more Eligible Assignees all or an
undivided portion of its interests, rights and obligations under this Agreement.
Nothing herein shall prohibit Agent Payee or any Existing Lender from pledging
or assigning this Note or its interest hereunder to any Federal Reserve Bank in
accordance with Applicable Law.

     (n)  Amendments, Waivers and Consents; Extensions, Renewals of Time. Any
          --------------------------------------------------------------
term, covenant, agreement or condition of this Note may be amended or waived by
Agent Payee, and any consent given by Agent Payee , if, but only if, such
amendment, waiver or consent is in writing signed by Agent Payee and, in the
case of an amendment, signed by Makers. Makers and any endorser of this Note
hereby consent to renewals and extensions of time at or after the maturity
hereof, without notice, and hereby waive diligence, presentment, protest, demand
and notice of every kind and, to the full extent permitted by law, the right to
plead any statute of limitations as a defense to any demand hereunder.

     (o)  Performance of Duties. The Credit Parties' obligations under this Note
          ---------------------
shall be performed by the Credit Parties at their sole cost and expense.

     (p)  All Powers Coupled with Interest. All powers of attorney and other
          --------------------------------
authorizations granted to Agent Payee and any Persons designated by Agent Payee
pursuant to any provisions of this Note shall be deemed coupled with an interest
and shall be irrevocable so long as any of the Obligations remain unpaid or
unsatisfied or this Note has not been terminated.

     (q)  Survival Agreements. Notwithstanding anything in this Note or implied
          -------------------
by law to the contrary, (a) the agreements of Makers set forth in Section 7(b)
                                                                  -----------
and 7(d), (b) any other indemnities of Makers to which Agent Payee is entitled
    ---
under this Note, shall survive the payment of the Obligations and the
termination of this Note.

     (r)  Construction of Agreement. Each of the parties hereto acknowledges
          -------------------------
that it has been represented by counsel in the negotiation and documentation of
the terms of this Note, that it has had full and fair opportunity to review and
revise the terms of this Note, and that this Note has been drafted jointly by
all of the parties hereto. Accordingly, each of the parties hereto acknowledges
and agrees that the terms of this Note shall not be construed against or in
favor of another party.

     (s)  Titles and Captions. Titles and captions of Articles, Sections and
          -------------------
subsections in this Note are for convenience only, and neither limit nor amplify
the provisions of this Note.

     (t)  Severability of Provisions. Any provision of this Note which is
          --------------------------
prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction,
be ineffective only to the extent of such prohibition or unenforceability
without invalidating the remainder of such

                                       10
<PAGE>

provision or the remaining provisions hereof or thereof or affecting the
validity or enforceability of such provision in any other jurisdiction.

     (u)  Counterparts. This Note and any amendments, waivers, consents, or
          ------------
supplements may be executed in any number of counterparts, and by different
parties hereto in separate counterparts, each of which when so executed and
delivered shall be deemed an original, but all such counterparts together shall
constitute but one and the same instrument.

     (v)  Term of Note. This Note shall remain in effect from the date hereof
          ------------
through and including the date upon which all Obligations shall have been
indefeasibly and irrevocably paid and satisfied in full.

                                       11
<PAGE>

          IN WITNESS WHEREOF, Makers have caused this Note to be executed and
delivered by their respective officers thereunto duly authorized as of the date
and at the place first written above.

                                  PLANVISTA CORPORATION (f/k/a
     [CORPORATE SEAL]             HEALTHPLAN SERVICES
                                  CORPORATION)

                                  By: /s/ Donald W. Schmeling
                                      ---------------------------------
                                  Name:   Donald W. Schmeling
                                  Title:  Chief Financial Officer

                                  PLANVISTA SOLUTIONS, INC.
     [CORPORATE SEAL]             (f/k/a NATIONAL PREFERRED
                                  PROVIDER NETWORK, INC.)

                                  By: /s/ Donald W. Schmeling
                                      ---------------------------------
                                  Name:   Donald W. Schmeling
                                  Title:  Chief Financial Officer

[AS REQUIRED BY APPLICABLE LAW, THE COMPANY WILL FURNISH SUPPLEMENTALLY ANY
OMITTED EXHIBIT OR SCHEDULE UPON REQUEST]

                                       12
<PAGE>

          IN WITNESS WHEREOF, Makers have caused this Note to be executed and
delivered by their respective officers thereunto duly authorized as of the date
and at the place first written above.

                                  PLANVISTA CORPORATION (f/k/a
     [CORPORATE SEAL]             HEALTHPLAN SERVICES
                                  CORPORATION)

                                  By: /s/ Donald W. Schmeling
                                      ---------------------------------
                                  Name:   Donald W. Schmeling
                                  Title:  Chief Financial Officer

                                  PLANVISTA SOLUTIONS, INC.
     [CORPORATE SEAL]             (f/k/a NATIONAL PREFERRED
                                  PROVIDER NETWORK, INC.)

                                  By: /s/ Donald W. Schmeling
                                      ---------------------------------
                                  Name:   Donald W. Schmeling
                                  Title:  Chief Financial Officer

[AS REQUIRED BY APPLICABLE LAW, THE COMPANY WILL FURNISH SUPPLEMENTALLY ANY
OMITTED EXHIBIT OR SCHEDULE UPON REQUEST]

                                       13<PAGE>

                                                                     EXHIBIT 4.1

                  LETTER TO SECURITIES AND EXCHANGE COMMISSION

Office of the Chief Accountant
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, DC  20549

April 9, 2002

Dear Sir or Madam:

We have read Item 4 included in the Form 8-K dated April 9, 2002 of Luigino's,
Inc. filed with the Securities and Exchange Commission and are in agreement with
the statements contained therein.

Very truly yours,

/s/ Arthur Andersen LLP
----------------------------
Arthur Andersen LLP

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