Document:

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                                                                   Exhibit 10.14

        AMENDMENT NUMBER ONE TO SUBORDINATED LOAN AND SECURITY AGREEMENT,
   DATED AS OF APRIL 27, 2000, BETWEEN ADESSO HEALTHCARE TECHNOLOGY SERVICES,
                                      INC.,
                    AS BORROWER AND COMDISCO, INC., AS LENDER

     This Amendment ("Amendment") is entered into this 27th day of April, 2000,
by and between Adesso Healthcare Technology Services, Inc., a California
corporation, formerly known as Adesso Specialty Services Organization, Inc.,
with its chief executive offices and principal place of business at 2835 Zanker
Road, San Jose, CA 95134 ("Borrower"), and Comdisco, Inc., a Delaware
corporation, with its chief executive offices and principal place of business at
6111 North River Road, Rosemont, Illinois 60018 ("Lender").

                                    RECITALS

     WHEREAS, Borrower and Lender have entered into that certain Subordinated
Loan and Security Agreement dated as of June 11, 1999 (the "Agreement"),
pursuant to which Lender has made a loan to Borrower in the original aggregate
principal amount of THREE MILLION FIVE HUNDRED THOUSAND DOLLARS ($3,500,000.00)
(the "Loan");

     WHEREAS, Borrower has requested Lender make available to Borrower an
additional loan to Borrower in the principal amount of THREE MILLION FIVE
HUNDRED THOUSAND DOLLARS ($3,500,000.00) (as the same may from time to time be
amended, modified, supplemented or revised) (the "Supplemental Loan"), which
would be evidenced by Supplemental Subordinated Promissory Note(s) substantially
in the form of Exhibit A hereto (as the same may from time to time be amended,
modified, supplemented or revised, the "Supplemental Note(s)"), which would be
executed by Borrower and under which funds would be available in minimum
installments of ONE MILLION SEVEN HUNDRED FIFTY THOUSAND DOLLARS ($1,750,000.00)
each.

     WHEREAS, Lender and Borrower have agreed to amend the Agreement in order to
make available the Supplemental Loan on the terms set forth in the Agreement as
amended hereunder;

     WHEREAS, in connection with the Supplemental Loan, Borrower will grant
Lender certain additional rights to purchase Borrower's Preferred Stock upon the
terms and conditions set forth in this Amendment.

                                    AGREEMENT

     NOW, THEREFORE, in consideration of the premises and mutual agreements
contained herein, Borrower and Lender hereby agree as follows:

     1. USE OF TERMS DEFINED IN AGREEMENT. All capitalized terms that are
defined in the Agreement and that are used without definition herein shall have
the meanings given to them in the Agreement.

     2. AMENDMENTS TO AGREEMENT. The Agreement is amended as follows:

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          a. SECTION 1. DEFINITIONS.

     The following additional subsections are added to SECTION 1:

     With respect to the Supplemental Loan only, new DEFINITION 1.33A is added
as follows:

          1.33A "PREFERRED STOCK" means Borrower's Series E Preferred Stock.

     With respect to the Supplemental Loan only, new DEFINITION 1.35A is added
as follows:

          1.35A "PURCHASE OPTION" shall have the meaning assigned thereto in
SECTION 8A of this Amendment.

          1.45 "MAXIMUM SUPPLEMENTAL LOAN AMOUNT" means Three Million Five
Hundred Thousand and No/100's Dollars ($3,500,000.00).

          1.46 "SUBSEQUENT ROUND" means (i) a Series F preferred stock
     financing, (ii) the sale, conveyance disposal, or encumbrance of all or
     substantially all of Borrower's property or business or Borrower's merger
     into or consolidation with any other corporation (other than a wholly-owned
     subsidiary corporation) or any other transaction or series of related
     transactions in which more than fifty percent (50%) of the voting power of
     Borrower is disposed of ("Merger Event"), provided that a Merger Event
     shall not apply to a merger effected exclusively for the purpose of
     changing the domicile of the company or (iii) an initial public offering of
     Borrower's Common Stock, which has been declared effective by the SEC.

          1.47 "SUPPLEMENTAL CLOSING DATE" means the date of this Amendment.

          1.48 "SUPPLEMENTAL FACILITY FEE" means one percent (1%) of the
     Supplemental Loan Amount that is due to Lender at the Supplemental Closing
     Date. Lender shall reduce the amount of the first Advance requested by
     Borrower by the amount of the Facility Fee.

          1.49 "SUPPLEMENTAL MATURITY DATE" means the date thirty-six (36)
     months after the Advance Date of each installment of the Supplemental Loan.

          1.50 "SUPPLEMENTAL PURCHASE OPTION" shall have the meaning assigned to
     such term in Section 8A of this Amendment.

          b. SECTION 2. THE LOAN.

     SUBSECTION 2.1 is deleted in its entirety and replaced with the following
restated and amended version thereof:

               2.1 Lender agrees to lend to Borrower an amount not to exceed
Seven Million and No/100 Dollars ($7,000,000.00) in the aggregate at any one
time outstanding for the purposes and upon the terms and subject to the
conditions contained in the Agreement.

     With respect to the Supplemental Loan only, new SUBSECTION 2.2A is added as
follows:

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               2.2A The Supplemental Loan(s) shall be available in minimum
Advances of One Million Seven Hundred Fifty Thousand Dollars ($1,750,000.00).
Each Advance made by Lender to Borrower shall be evidenced by a Supplemental
Note in the original principal amount of such Advance. The principal balance of
each Supplemental Note shall bear interest thereon precomputed at the rate of
nine and one-half percent (9.5%) per annum, and each such Supplemental Note
shall be due and payable in fifteen (15) equal monthly installments of interest
only, payable on the first day of each month, followed by twenty-one (21) equal
monthly installments of principal and interest, payable on the first day of each
month, to and including the Supplemental Maturity Date (each, a "Payment Date").
If any payment under a Supplemental Note shall be payable on a day other than a
business day, then such payment shall be due and payable on the next succeeding
business day.

     SUBSECTION 2.4 is renumbered as SUBSECTION 2.3 and amended as follows:

          With respect to the Supplemental Loan only, SUBSECTION 2.3 shall be
          applied substituting the term "Loan" with the term "Supplemental Loan"
          throughout.

     SUBSECTIONS 2.5 and 2.6 are renumbered SUBSECTIONS 2.4 and 2.5,
respectively, and, with respect to the Supplemental Loan only, SUBSECTIONS 2.4
and 2.5 shall be applied substituting the term "Note(s)" with the term
"Supplemental Note(s)" throughout.

               c. SECTION 3. SECURITY INTEREST.

               Borrower acknowledges that the grant of the security interest
pursuant to SECTION 3 and the fact that the Collateral will also secure the
Supplemental Loan as part of the Secured Obligations is a material inducement to
Lender without which Lender would not have agreed to make the Supplemental Loan.

               d. SECTION 4. CONDITIONS PRECEDENT TO LOAN

     The obligation of Lender to fund the Supplemental Loan(s) on each Advance
Date shall be subject to the satisfaction by Borrower, or waiver by Lender, of
all of the provisions of Section 4 of the Agreement, the provisions of which
are, to the extent set forth below and with respect to the Supplemental Loan
only, amended as follows:

     With respect to the Supplemental Loan only, new SECTION 4.1A is added as
follows:

               4.1A The Advance Date shall occur on or before nine (9) months
     from the Supplemental Closing Date.

     With respect to the Supplemental Loan only, new SECTION 4.2.A is added as
follows:

               4.2A Borrower, on or prior to the Supplemental Closing Date,
     shall have delivered to Lender the following:

               (a) executed originals of the Amendment and any other documents
     reasonably required by Lender to effectuate the liens of Lender with
     respect to all Collateral;

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               (b) certified copy of resolutions of Borrower's board of
     directors evidencing approval of the borrowing and other transactions
     evidenced by the Loan Documents;

               (c) certified copies of the Articles of Incorporation and the
     Bylaws, as amended through the Supplemental Closing Date, of Borrower;

               (d) certificate of good standing for Borrower from its state of
     incorporation and similar certificates from all other jurisdictions in
     which it does business and where the failure to be qualified would have a
     Material Adverse Effect;

               (e) payment of the Supplemental Facility Fee;

               (f) such other documents as Lender may reasonably request.

     With respect to the Supplemental Loan only, SUBSECTIONS 4.6, 4.7 and 4.8
shall be applied substituting the term "Closing Date" with the term
"Supplemental Closing Date," and the term "Loan" with the term "Supplemental
Loan" throughout.

               e. SECTION 5. REPRESENTATIONS AND WARRANTIES.

     Borrower represents, warrants and agrees that, as of the Supplemental
Closing Date, each of the representations and warranties contained in SECTION 5
of the Agreement remain true, complete and correct.

     With respect to the Supplemental Loan only, SUBSECTION 5.12A is added as
follows:

               5.12A. All issued and outstanding shares of Common Stock,
     Preferred Stock or any other securities of Borrower have been duly
     authorized and validly issued and are fully paid and nonassessable. All
     outstanding shares of Common Stock, Preferred Stock and any other
     securities were issued in full compliance with all Federal and state
     securities laws. In addition:

               (i) The authorized capital stock of Borrower consists of
     12,535,000 shares of Common Stock, no par value per share (the "Common
     Stock"), of which 277,082 shares shall be issued and outstanding, and
     5,535,000 shares of Preferred Stock, no par value per share, of which
     1,000,000 shares shall have been designated as Series A Preferred Stock,
     1,185,000 shares shall have been designated as Series B Preferred Stock,
     900,000 shares shall have been designated as Series C Preferred Stock,
     1,250,000 shares shall have been designated as Series D Preferred Stock and
     1,200,000 shares shall have been designated as Series E. 790,000 shares of
     Series A Preferred Stock, 1,021,356 shares of Series B Preferred Stock,
     853,631 shares of Series C Preferred Stock, 1,196,570 shares of Series D
     Preferred Stock and 119,048 shares of Series E Preferred Stock are issued
     and outstanding. There are 135,615 shares of Series A Preferred Stock
     reserved for issuance upon the exercise of outstanding warrants. There are
     1,108,226 shares of Common Stock reserved for issuance under

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     Borrower's 1995 Stock Option Plan and 1997 Stock Option Plan, of which
     932,942 shares have been issued. Except as set forth in Schedule 5.14
     hereto, the Certificate of Incorporation, or as provided in this Agreement,
     (i) no subscription, warrant, option, convertible security or other right
     (contingent or otherwise) to purchase or acquire any shares of capital
     stock of Borrower is authorized or outstanding, (ii) Borrower has no
     obligation (contingent or otherwise) to issue any subscription, warrant,
     option, convertible security or other such right or to issue or distribute
     to holders of a share of its capital stock any evidences of indebtedness or
     assets of Borrower, and (iii) Borrower has no obligation (contingent or
     otherwise) to purchase, redeem or otherwise acquire any shares of its
     capital stock or any interest therein or to pay any dividend to make any
     other distribution in respect thereof.

          (ii) In accordance with Borrower's Articles of Incorporation, no
     shareholder of Borrower has preemptive rights to purchase new issuances of
     the capital stock.

          f. SECTION 8A. PURCHASE OPTION.

          New SECTION 8A is added as follows:

          8A.1 As additional consideration for Lender's agreeing to enter into
     the Amendment, Lender shall have the additional right to purchase shares of
     Borrower's Preferred Stock with an aggregate value of up to fifty percent
     (50%) of the Maximum Supplemental Loan Amount (regardless of whether Lender
     actually makes any Advances under the Supplemental Loan) at any time, at
     Lender's sole and absolute discretion (the "Supplemental Purchase Option").
     The Supplemental Purchase Option shall be exercisable by Lender at a
     purchase price per share equal to $16.80 per share (the "Supplemental
     Purchase Price"). The number and purchase price of such shares are subject
     to adjustment as provided in this Section 8A.

          8A.2 The Supplemental Purchase Price per share and the number of
     shares of Preferred Stock purchasable hereunder are subject to adjustment,
     as follows:

               (a) If Borrower at any time shall change the kind or number of
     its securities, by combination, reclassification, exchange or subdivision
     of the securities as to which purchase rights under this Supplemental
     Purchase Option exist into the same or a different number of securities of
     any other class or classes, this Supplemental Purchase Option shall
     thereafter represent the right to acquire such number and kind of
     securities as would have been issuable as the result of such change with
     respect to the securities that were subject to the purchase rights under
     this Supplemental Purchase Option immediately prior to such classification,
     exchange, subdivision or other change.

               (b) If Borrower at any time shall combine or subdivide its
     Preferred Stock, the Supplemental Purchase Price shall be proportionately
     decreased and the number of shares proportionately increased in the case of
     a

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     subdivision, or the Supplemental Purchase Price shall be proportionately
     increased and the number of shares proportionately decreased in the case of
     a combination.

               (c) If Borrower at any time shall pay a dividend payable in, or
     make any other distribution (except any distribution specifically provided
     for in the foregoing subsections (a) or (b)) of Borrower's stock, then the
     Supplemental Purchase Price shall be adjusted, from and after the record
     date of such dividend or distribution, to that price determined by
     multiplying the Supplemental Purchase Price in effect immediately prior to
     such record date by a fraction (i) the numerator of which shall be the
     total number of all shares of Borrower's stock outstanding immediately
     prior to such dividend or distribution (including shares issuable upon
     conversion of the outstanding Preferred Stock and shares issuable upon
     exercise, conversion or exchange of options, convertible securities or
     warrants for Preferred Stock), and (ii) the denominator of which shall be
     the total number of all shares of the Borrower's stock outstanding
     immediately after such dividend or distribution including shares issuable
     upon conversion of the outstanding Preferred Stock and shares issuable upon
     exercise, conversion or exchange of options, convertible securities or
     warrants for Preferred Stock). The Lender shall thereafter be entitled to
     purchase, at the Supplemental Purchase Price resulting from such
     adjustment, the number of shares of Preferred Stock (calculated to the
     nearest whole share) obtained by multiplying the Supplemental Purchase
     Price in effect immediately prior to such adjustment by the number of
     shares of Preferred Stock issuable upon the exercise hereof immediately
     prior to such adjustment and dividing the product thereof by the
     Supplemental Purchase Price resulting from such adjustment.

               (d) Additional antidilution rights applicable to the Preferred
     Stock purchasable hereunder are as set forth in Borrower's Articles of
     Incorporation, as amended through the Supplemental Closing Date, a true and
     complete copy of which was attached to the Agreement as EXHIBIT E (the
     "Charter"). Borrower shall promptly provide the Lender with any
     restatement, amendment, modification or waiver of the Charter. Borrower
     shall provide Lender with prior written notice of any issuance of its stock
     or other equity security to occur after the Supplemental Closing Date of
     this Purchase Option, which notice shall include (i) the price at which
     such stock or security is to be sold, (ii) the number of shares to be
     issued, and (iii) such other information as necessary for Lender to
     determine if a dilutive event has occurred.

               (e) If prior to the termination or exercise of this purchase
     option: (i) Borrower shall declare any dividend or distribution upon its
     stock, whether in cash, property, stock or other securities; (ii) Borrower
     shall offer for subscription prorata to the holders of any class of its
     preferred or other convertible stock any additional shares of stock of any
     class or other rights; (iii) there shall be any voluntary dissolution,
     liquidation or winding up of Borrower; then, in connection with each such
     event, Borrower shall send to the Lender: (A) at least forty-five (45)
     days' prior written notice of the date on which the books of Borrower shall
     close or a record shall be taken for such dividend, distribution,
     subscription rights (specifying the date on which the holders of Preferred
     Stock shall be entitled thereto) or for determining rights to vote in
     respect of such Merger Event, dissolution, liquidation or winding up; (B)
     in the case of any such dissolution, liquidation or winding up, at least
     forty-five (45) days' prior written notice of the date

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     when the same shall take place (and specifying the date on which the
     holders of Preferred Stock shall be entitled to exchange their Preferred
     Stock for securities or other property deliverable upon dissolution,
     liquidation or winding up); and (C) in the case of a Initial Public
     Offering or Merger Event, Borrower shall give the Lender at least
     forty-five (45) days written notice prior to the effective date thereof.

               Each such written notice shall set forth, in reasonable detail,
     (i) the event requiring the adjustment, (ii) the amount of the adjustment,
     (iii) the method by which such adjustment was calculated, (iv) the
     Supplemental Purchase Price, and (v) the number of shares subject to
     purchase hereunder after giving effect to such adjustment, and shall be
     given by first class mail, postage prepaid, addressed to the Lender, at the
     address as shown on the books of the Lender.

               (f) Failure to timely provide such notice required by subsection
     (e) above shall entitle Lender to retain the benefit of the applicable
     notice period notwithstanding anything to the contrary contained in any
     insufficient notice received by Lender. The notice period shall begin on
     the date Lender actually receives a written notice containing all the
     information specified above.

          8A.3 The Supplemental Purchase Option is exercisable by the Lender, in
     whole or in part, at any time, or from time to time, and shall expire if
     not exercised within twenty (20) days of Borrower's required notice as set
     forth in Section 8A.7 below of (i) Initial Public Offering, or (ii) Merger
     Event. Lender may exercise its Supplemental Purchase Option by tendering to
     Borrower at its principal office a notice of exercise in the form attached
     to the Agreement as EXHIBIT F (the "Notice of Supplemental Purchase"), duly
     completed and executed together with payment in an amount equal to the
     Supplemental Purchase Price for that portion of the Supplemental Purchase
     Option so exercised, in cash or by bank cashier's or certified check;
     provided that Lender may satisfy all or a portion of the Supplemental
     Purchase Price by tender of one or more Note(s), the outstanding principal
     and interest of which shall be credited against the Supplemental Purchase
     Price, with the balance, if any, of the Supplemental Purchase Price payable
     in cash or by check as provided above. In such event, the Note(s) so
     tendered will be deemed satisfied in full and will be cancelled by Borrower
     and Borrower will have no further obligation to the Lender under such
     Note(s).

          Promptly upon receipt of the Notice of Supplemental Purchase and the
     payment of the Supplemental Purchase Price in accordance with the terms set
     forth below, Borrower shall execute the acknowledgment of exercise in the
     form attached to the Agreement as EXHIBIT G (the "Acknowledgment of
     Purchase") indicating the number of shares that remain subject to future
     purchases, if any. Subject to Lender's right of withdrawal, no later than
     twenty-one (21) days thereafter, Borrower shall issue to the Lender a
     certificate for the number of shares of Preferred Stock purchased.

          8A.4 (a) During the term of this Supplemental Purchase Option,
     Borrower will at all times have authorized and reserved a sufficient number
     of shares of its Preferred Stock to provide for the exercise of the rights
     to purchase Preferred Stock as provided for herein.

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               (b) If any shares of Preferred Stock required to be reserved
     hereunder require registration with or approval of any governmental
     authority under any State law (other than any registration under the
     Securities Act of 1933, as amended ("1933 Act"), as then in effect, or any
     similar Federal statute then enforced, or any state securities law,
     required by reason of any transfer involved in such purchase), or listing
     on any domestic securities exchange, before such shares may be issued upon
     purchase, Borrower will, at its expense and as expeditiously as possible,
     use its best efforts to cause such shares to be duly registered, listed or
     approved for listing on such domestic securities exchange, as the case may
     be.

          8A.5 No fractional shares or scrip representing fractional shares
     shall be issued upon the exercise of the Supplemental Purchase Option, but
     in lieu of such fractional shares Borrower shall make a cash payment
     therefor upon the basis of the Supplemental Purchase Price then in effect.

          8A.6 This Supplemental Purchase Option does not entitle the Lender to
     any voting rights or other rights as a shareholder of Borrower prior to the
     exercise of the Supplemental Purchase Option.

          8A.7 Borrower shall give Lender at least forty-five (45) days advance
     written notice of its intent to consummate any Merger Event or any Initial
     Public Offering of its capital stock pursuant to a registration statement
     filed with the Securities and Exchange Commission. In either such event,
     Lender shall have the right to exercise its Supplemental Purchase Option
     within twenty (20) days of receipt of notice subject to the successful
     completion of such Merger Event or Initial Public Offering. If such closing
     does not take place, Borrower shall promptly notify the Lender that such
     proposed transaction has been terminated, and the Lender may rescind any
     exercise of its Supplemental Purchase Option promptly after such notice of
     termination of the proposed transaction, and Lender's conversion right
     shall remain in effect as if not previously exercised.

          g. SECTION 11.3. NOTICE.

          Section 11.3(b) is deleted and replaced with the following:

               (b) IF TO BORROWER:

                   ADESSO HEALTHCARE TECHNOLOGY SERVICES, INC.
                                2835 ZANKER ROAD
                               SAN JOSE, CA 95134

     3. INCORPORATION INTO AGREEMENT. The terms and conditions of this Amendment
shall be incorporated by reference in the Agreement as though set forth in full
therein. In the event of any inconsistency between the provisions of this
Amendment and any other provision of the Agreement, the terms and provisions of
this Amendment shall govern and control. Except to the extent specifically
amended or superseded by the terms of this Amendment, all of the provisions of
the Agreement and the other Loan Documents shall remain in full force and effect
to the extent in effect on the date hereof. The Agreement, as modified by this
Amendment, together with the other Loan Documents,

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constitutes the complete agreement among the parties and supersedes any prior
written or oral agreements, writings, communications or understandings of the
parties with respect to the subject matter thereof.

     4. SECTION HEADINGS. The headings of the Sections hereof are for
convenience only and without substantive meaning, and shall not be used in
interpreting any provision of this Amendment or the Agreement.

     5. COUNTERPARTS. This Amendment may be executed in counterparts, and by
different parties hereto in separate counterparts, each of which when so
delivered shall be deemed an original, but all of which counterparts shall
constitute but one and the same instrument.

     IN WITNESS WHEREOF, Borrower and Lender have duly executed and delivered
this Amendment as of the day and year first above written.

BORROWER                            ADESSO HEALTHCARE
                                    TECHNOLOGY SERVICES, INC.

                                    Signature:    /s/ Brian Barnard
                                              -----------------------------
                                    Print Name:   BRIAN BARNARD
                                               -----------------------------
                                    Title:        CEO
                                          -----------------------------------

ACCEPTED IN ROSEMONT, ILLINOIS

LENDER                              COMDISCO, INC.

                                    Signature:    /s/ Jill C. Hanses
                                              -----------------------------
                                    Print Name:   JILL C. HANSES
                                               -----------------------------
                                    Title:
                                          -----------------------------------

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                                    EXHIBIT A
                          Supplemental Promissory Note

<PAGE>

                                    EXHIBIT E
                                     Charter

<PAGE>

                                    EXHIBIT F
                         Notice of Supplemental Purchase

<PAGE>

                                    EXHIBIT G
                           Acknowledgement of Purchase<PAGE>

                                                                   Exhibit 10.15

                       MASTER LOAN AND SECURITY AGREEMENT

                  THIS AGREEMENT dated as of April 21, 1998, is made by Adesso
Specialty Services Organization, Inc. (the "Borrower"), a corporation having its
principal place of business and chief executive office at 101 Park Center Plaza,
San Jose, California, 95113 in favor of Transamerica Business Credit
Corporation, a Delaware corporation (the "Lender"), having its principal office
at Riverway II, West Office Tower, 9399 West Higgins Road, Rosemont, Illinois
60018.

         WHEREAS, the Borrower has requested that the Lender make Loans to it
from time to time; and

         WHEREAS, the Lender has agreed to make such Loans on the terms and
conditions of this Agreement.

         NOW, THEREFORE, in consideration of the premises and to induce the
Lender to extend credit, the Borrower hereby agrees with the Lender as follows:

         SECTION 1. DEFINITIONS.

         As used herein, the following terms shall have the following meanings,
and shall be equally applicable to both the singular and plural forms of the
terms defined:

AGREEMENT shall mean this Master Loan and Security Agreement together with all
schedules and exhibits hereto, as amended, supplemented, or otherwise modified
from time to time.

APPLICABLE LAW shall mean the laws of the State of Illinois (or any other
jurisdiction whose laws are mandatorily applicable notwithstanding the parties'
choice of Illinois law) or the laws of the United States of America, whichever
laws allow the greater interest, as such laws now exist or may be changed or
amended or come into effect in the future.

BUSINESS DAY shall mean any day other than a Saturday, Sunday, or public holiday
or the equivalent for banks in New York City.

CODE shall have the meaning specified in Section 8(d).

COLLATERAL shall have the meaning specified in Section 2.

EFFECTIVE DATE shall mean the date on which all of the conditions specified in
Section 3.3 shall have been satisfied.

EQUIPMENT shall have the meaning specified in Section 2.

EVENT OF DEFAULT shall mean any event specified in Section 7.

FINANCIAL STATEMENTS shall have the meaning specified in Section 6.1.

GAAP shall mean generally accepted accounting principles in the United States of
America, as in effect from time to time.

LOANS shall mean the loans and financial accommodations made by the Lender to
the Borrower in accordance with the terms of this Agreement and the Notes.

LOAN DOCUMENTS shall mean, collectively, this Agreement, the Notes, and all
other documents, agreements,

<PAGE>

certificates, instruments, and opinions executed and delivered in connection
herewith and therewith, as the same may be modified, extended, restated, or
supplemented from time to time.

MATERIAL ADVERSE CHANGE shall mean, with respect to any Person, a material
adverse change in the business, prospects, operations, results of operations,
assets, liabilities, or condition (financial or otherwise) of such Person taken
as a whole.

MATERIAL ADVERSE EFFECT shall mean, with respect to any Person, a material
adverse effect on the business, prospects, operations, results of operations,
assets, liabilities, or condition (financial or otherwise) of such Person taken
as a whole.

NOTE shall mean each Promissory Note made by the Borrower in favor of the
Lender, as amended, supplemented, or otherwise modified from time to time.

OBLIGATIONS shall mean all indebtedness, obligations, and liabilities of the
Borrower under the Notes and under this Agreement, whether on account of
principal, interest, indemnities, fees (including, without limitation,
attorneys' fees, remarketing fees, origination fees, collection fees, and all
other professionals' fees), costs, expenses, taxes, or otherwise.

PERMITTED LIENS shall mean such of the following as to which no enforcement,
collection, execution, levy, or foreclosure proceeding shall have been
commenced: (a) liens for taxes, assessments, and other governmental charges or
levies or the claims or demands of landlords, carriers, warehousemen, mechanics,
laborers, materialmen, and other like Persons arising by operation of law in the
ordinary course of business for sums which are not yet due and payable, or liens
which are being contested in good faith by appropriate proceedings diligently
conducted and with respect to which adequate reserves are maintained to the
extent required by GAAP; (b) deposits or pledges to secure the payment of
worker's compensation, unemployment insurance, or other social security benefits
or obligations, public or statutory obligations, surety or appeal bonds, bid or
performance bonds, or other obligations of a like nature incurred in the
ordinary course of business; (c) licenses, restrictions, or covenants for or on
the use of the Equipment which do not materially impair either the use of the
Equipment in the operation of the business of the Borrower or the value of the
Equipment; and (d) attachment or judgment liens that do not constitute an Event
of Default.

PERSON shall mean any individual, sole proprietorship, partnership, limited
liability partnership, joint venture, trust, unincorporated organization,
association, corporation, limited liability company, institution, entity, party,
or government (including any division, agency, or department thereof), and the
successors, heirs, and assigns of each.

SCHEDULE shall mean each Schedule in the form of Schedule A hereto delivered by
the Borrower to the Lender from time to time.

SOLVENT means, with respect to any Person, that as of the date as to which such
Person's solvency is measured:

                  (a) the fair saleable value of its assets is in excess of the
total amount of its liabilities (including contingent liabilities as valued in
accordance with GAAP) as they become absolute and matured;

                  (b) it has sufficient capital to conduct its business; and

                  (c) it is able generally to meet its debts as they mature.

TAXES shall have the meaning specified in Section 5.5.

                  SECTION 2. CREATION OF SECURITY INTEREST; COLLATERAL. The
Borrower hereby assigns and grants to the Lender a continuing general, first
priority lien on, and security interest in, all the Borrower's right, title, and
interest in and to the collateral described in the next sentence (the
"Collateral") to secure the payment and performance of all the Obligations. The
Collateral consists of all equipment set forth on all the

                                       2

<PAGE>

                      ADESSO SPECIALTY SERVIES ORGANIZATION
                      DETAILS OF TRANSAMERICA NOTE PAYABLE
                                  MAY 21, 1999

  LENDOR:                 Transamerica Business Credit Corporation
  ADDRESS:                Riverway II, West office Tower
                          9399 West Higgins Road
                          Rosemont, IL 60018

<TABLE>
  <S>                     <C>                               <C>               <C>

  DATE OF INCEPTION:      April 21, 1998

  PRINCIPAL:                                                $ 1,115,019

  INSTALLMENT PERIOD:     July 1, 1998 - May 1, 2002

  FIRST INSTALLMENT:                                          $  67,709

  PERIOD INSTALLMENTS:    46 @                                $  28,212

  FINAL INSTALLMENT:                                         $  111,502

  PREPAYMENT:             Anytime afer October 1, 1999

  EQUIPMENT SCHEDULE:     Computer Software                                   $   221,419
                          Computer Hardware                                   $   404,531
                          Office Equipment                                    $   290,874
                          Office Furniture                                    $   198,194
                                                                            -------------
                          Total Schedule of Equipment                       $   1,115,019
                                                                            =============
</TABLE>

<PAGE>

Schedules delivered from time to time under the terms of this Agreement (the
"Equipment"), together with all present and future additions, parts,
accessories, attachments, substitutions, repairs, improvements, and replacements
thereof or thereto, and any and all proceeds thereof, including, without
limitation, proceeds of insurance and all manuals, blueprints, know-how,
warranties, and records in connection therewith, all rights against suppliers,
warrantors, manufacturers, sellers, or others in connection therewith, and
together with all substitutes for any of the foregoing.

                  SECTION 3. THE CREDIT FACILITY.

                           SECTION 3.1. BORROWINGS. Each Loan shall be in an
amount not less than $50,000, and in no event shall the sum of the aggregate
Loans made exceed the amount of the Lender's written commitment to the Borrower
in effect from time to time. Notwithstanding anything herein to the contrary,
the Lender shall be obligated to make the initial Loan and each other Loan only
after the Lender, in its sole discretion, determines that the applicable
conditions for borrowing contained in Sections 3.3 and 3.4 are satisfied. The
timing and financial scope of Lender's obligation to make Loans hereunder are
limited as set forth in a commitment letter executed by Lender and Borrower,
dated as of March 17, 1998 and attached hereto as Exhibit A (the "Commitment
Letter").

                           SECTION 3.2. APPLICATION OF PROCEEDS. The Borrower
shall not directly or indirectly use any proceeds of the Loans, or cause,
assist, suffer, or permit the use of any proceeds of the Loans, for any purpose
other than for the purchase, acquisition, installation, or upgrading of
Equipment or the reimbursement of the Borrower for its purchase, acquisition,
installation, or upgrading of Equipment.

                           SECTION 3.3. CONDITIONS TO INITIAL LOAN.

                  (a) The obligation of the Lender to make the initial Loan is
subject to the Lender's receipt of the following, each dated the date of the
initial Loan or as of an earlier date acceptable to the Lender, in form and
substance satisfactory to the Lender and its counsel:

                           (i) completed requests for information (Form UCC-11)
                  listing all effective Uniform Commercial Code financing
                  statements naming the Borrower as debtor and all tax lien,
                  judgment, and litigation searches for the Borrower as the
                  Lender shall deem necessary or desirable;

                           (ii) Uniform Commercial Code financing statements
                  (Form UCC-1) duly executed by the Borrower (naming the Lender
                  as secured party and the Borrower as debtor and in form
                  acceptable for filing in all jurisdictions that the Lender
                  deems necessary or desirable to perfect the security interests
                  granted to it hereunder) and, if applicable, termination
                  statements or other releases duly filed in all jurisdictions
                  that the Lender deems necessary or desirable to perfect and
                  protect the priority of the security interests granted to it
                  hereunder in the Equipment related to such initial Loan;

                           (iii) a Note duly executed by the Borrower evidencing
                  the amount of such Loan;

                           (iv) certificates of insurance required under Section
                  5.4 of this Agreement together with loss payee endorsements
                  for all such policies naming the Lender as lender loss payee
                  and as an additional insured;

                           (v) a copy of the resolutions of the Board of
                  Directors of the Borrower (or a unanimous consent of directors
                  in lieu thereof) authorizing the execution, delivery, and
                  performance of this Agreement, the other Loan Documents, and
                  the transactions contemplated hereby and thereby, attached to
                  which is a certificate of the Secretary or an Assistant
                  Secretary of the Borrower certifying (A) that the copy of the
                  resolutions is true, complete, and accurate, that such
                  resolutions have not been amended or modified since the date
                  of such certification and are in full force and effect and (B)
                  the incumbency, names, and true signatures of the officers of
                  the Borrower authorized to sign the Loan Documents to which it
                  is a party;

                                       3
<PAGE>

                           (vi) such other agreements and instruments as the
                  Lender deems necessary in its sole and absolute discretion in
                  connection with the transactions contemplated hereby.

                  (b) There shall be no pending or, to the knowledge of the
Borrower after due inquiry, threatened litigation, proceeding, inquiry, or other
action (i) seeking an injunction or other restraining order, damages, or other
relief with respect to the transactions contemplated by this Agreement or the
other Loan Documents or thereby or (ii) which affects or could affect the
business, prospects, operations, assets, liabilities, or condition (financial or
otherwise) of the Borrower, except, in the case of clause (ii), where such
litigation, proceeding, inquiry, or other action could not be expected to have a
Material Adverse Effect in the judgment of the Lender.

                  (c) The Borrower shall have paid all fees and expenses
required to be paid by it to the Lender as of such date.

                  (d) The security interests in the Equipment related to the
initial Loan granted in favor of the Lender under this Agreement shall have been
duly perfected and shall constitute first priority liens.

                           SECTION 3.4. CONDITIONS PRECEDENT TO EACH LOAN. The
obligation of the Lender to make each Loan is subject to the satisfaction of the
following conditions precedent:

                  (a) the Lender shall have received the documents, agreements,
and instruments set forth in Section 3.3(a)(i) through (v) applicable to such
Loan, each in form and substance satisfactory to the Lender and its counsel and
each dated the date of such Loan or as of an earlier date acceptable to the
Lender;

                  (b) the Lender shall have received a Schedule of the Equipment
related to such Loan, in form and substance satisfactory to the Lender and its
counsel, and the security interests in such Equipment related to such Loan
granted in favor of the Lender under this Agreement shall have been duly
perfected and shall constitute first priority liens;

                  (c) all representations and warranties contained in this
Agreement and the other Loan Documents shall be true and correct on and as of
the date of such Loan as if then made, other than representations and warranties
that expressly relate solely to an earlier date, in which case they shall have
been true and correct as of such earlier date;

                  (d) no Event of Default or event which with the giving of
notice or the passage of time, or both, would constitute an Event of Default
shall have occurred and be continuing or would result from the making of the
requested Loan as of the date of such request; and

                  (e) the Borrower shall be deemed to have hereby reaffirmed and
ratified all security interests, liens, and other encumbrances heretofore
granted by the Borrower to the Lender.

                  SECTION 4. THE BORROWER'S REPRESENTATIONS AND WARRANTIES.

                           SECTION 4.1. GOOD STANDING; QUALIFIED TO DO BUSINESS.
The Borrower (a) is duly organized, validly existing, and in good standing under
the laws of the State of its organization, (b) has the power and authority to
own its properties and assets and to transact the businesses in which it is
presently, or proposes to be, engaged, and (c) is duly qualified and authorized
to do business and is in good standing in every jurisdiction in which the
failure to be so qualified could have a Material Adverse Effect on (i) the
Borrower, (ii) the Borrower's ability to perform its obligations under the Loan
Documents, or (iii) the rights of the Lender hereunder.

                           SECTION 4.2. DUE EXECUTION, ETC. The execution,
delivery, and performance by the Borrower of each of the Loan Documents to which
it is a party are within the powers of the Borrower, do not contravene the
organizational documents, if any, of the Borrower, and do not (a) violate any
law or regulation, or

                                       4

<PAGE>

any order or decree of any court or governmental authority, (b) conflict with or
result in a breach of, or constitute a default under, any material indenture,
mortgage, or deed of trust or any material lease, agreement, or other instrument
binding on the Borrower or any of its properties, or (c) require the consent,
authorization by, or approval of or notice to or filing or registration with any
governmental authority or other Person. This Agreement is, and each of the other
Loan Documents to which the Borrower is or will be a party, when delivered
hereunder or thereunder, will be, the legal, valid, and binding obligation of
the Borrower enforceable against the Borrower in accordance with its terms,
except as enforceability may be limited by bankruptcy, insolvency, or similar
laws affecting creditors' rights generally and by general principles of equity.

                           SECTION 4.3. SOLVENCY; NO LIENS. The Borrower is
Solvent and will be Solvent upon the completion of all transactions contemplated
to occur hereunder (including, without limitation, the Loan to be made on the
Effective Date); the security interests granted herein constitute and shall at
all times constitute the first and only liens on the Collateral other than
Permitted Liens; and the Borrower is, or will be at the time additional
Collateral is acquired by it, the absolute owner of the Collateral with full
right to pledge, sell, consign, transfer, and create a security interest
therein, free and clear of any and all claims or liens in favor of any other
Person other than Permitted Liens.

                           SECTION 4.4. NO JUDGMENTS, LITIGATION. No judgments
are outstanding against the Borrower nor is there now pending or, to the best of
the Borrower's knowledge after diligent inquiry, threatened any litigation,
contested claim, or governmental proceeding by or against the Borrower except
judgments and pending or threatened litigation, contested claims, and
governmental proceedings which would not, in the aggregate, have a Material
Adverse Effect on the Borrower.

                           SECTION 4.5. NO DEFAULTS. The Borrower is not in
default or has not received a notice of default under any material contract,
lease, or commitment to which it is a party or by which it is bound. The
Borrower knows of no dispute regarding any contract, lease, or commitment which
could have a Material Adverse Effect on the Borrower.

                           SECTION 4.6. COLLATERAL LOCATIONS. On the date
hereof, each item of the Collateral is located at the place of business
specified in the applicable Schedule.

                           SECTION 4.7. NO EVENTS OF DEFAULT. No Event of
Default has occurred and is continuing nor has any event occurred which, with
the giving of notice or the passage of time, or both, would constitute an Event
of Default.

                           SECTION 4.8. NO LIMITATION ON LENDER'S RIGHTS. Except
as permitted herein, none of the Collateral is subject to contractual
obligations that may restrict or inhibit the Lender's rights or abilities to
sell or dispose of the Collateral or any part thereof after the occurrence of an
Event of Default.

                           SECTION 4.9. PERFECTION AND PRIORITY OF SECURITY
INTEREST. This Agreement creates a valid and, upon completion of all required
filings of financing statements, perfected first priority and exclusive security
interest in the Collateral, securing the payment of all the Obligations.

                           SECTION 4.10. MODEL AND SERIAL NUMBERS. The Schedules
set forth the true and correct model number and serial number of each item of
Equipment that constitutes Collateral.

                           SECTION 4.11. ACCURACY AND COMPLETENESS OF
INFORMATION. All data, reports, and information heretofore, contemporaneously,
or hereafter furnished by or on behalf of the Borrower in writing to the Lender
or for purposes of or in connection with this Agreement or any other Loan
Document, or any transaction contemplated hereby or thereby, are or will be true
and accurate in all material respects on the date as of which such data,
reports, and information are dated or certified and not incomplete by omitting
to state any material fact necessary to make such data, reports, and information
not misleading at such time. There are no facts now known to the Borrower which
individually or in the aggregate would reasonably be expected to have a Material
Adverse Effect and which have not been specified herein, in the Financial
Statements, or in any certificate, opinion, or other

                                       5

<PAGE>

written statement previously furnished by the Borrower to the Lender.

                           SECTION 4.12. PRICE OF EQUIPMENT. The cost of each
item of Equipment does not exceed the fair and usual price for such type of
equipment purchased in like quantity and reflects all discounts, rebates and
allowances for the Equipment (including, without limitation, discounts for
advertising, prompt payment, testing, or other services) given to the Borrower
by the manufacturer, supplier, or any other person.

                  SECTION 5. COVENANTS OF THE BORROWER.

                           SECTION 5.1. EXISTENCE, ETC. The Borrower shall:
(a) retain its existence and its current yearly accounting cycle, (b)
maintain in full force and effect all licenses, bonds, franchises, leases,
trademarks, patents, contracts, and other rights necessary or desirable to
the profitable conduct of its business unless the failure to do so could not
reasonably be expected to have a Material Adverse Effect on the Borrower, (c)
continue in, and limit its operations to, the same general lines of business
as those presently conducted by it, and (d) comply with all applicable laws
and regulations of any federal, state, or local governmental authority,
except for such laws and regulations the violations of which would not, in
the aggregate, have a Material Adverse Effect on the Borrower.

                           SECTION 5.2. NOTICE TO THE LENDER. As soon as
possible, and in any event within five days after the Borrower learns of the
following, the Borrower will give written notice to the Lender of (a) any
proceeding instituted or threatened to be instituted by or against the Borrower
in any federal, state, local, or foreign court or before any commission or other
regulatory body (federal, state, local, or foreign) involving a sum, together
with the sum involved in all other similar proceedings, in excess of $50,000 in
the aggregate, (b) any contract that is terminated or amended and which has had
or could reasonably be expected to have a Material Adverse Effect on the
Borrower, (c) the occurrence of any Material Adverse Change with respect to the
Borrower, and (d) the occurrence of any Event of Default or event or condition
which, with notice or lapse of time or both, would constitute an Event of
Default, together with a statement of the action which the Borrower has taken or
proposes to take with respect thereto.

                           SECTION 5.3. MAINTENANCE OF BOOKS AND RECORDS. The
Borrower will maintain books and records pertaining to the Collateral in such
detail, form, and scope as the Lender shall require in its commercially
reasonable judgment. The Borrower agrees that the Lender or its agents may enter
upon the Borrower's premises at any time and from time to time during normal
business hours, and at any time upon the occurrence and continuance of an Event
of Default, for the purpose of inspecting the Collateral and any and all records
pertaining thereto.

                           SECTION 5.4. INSURANCE. The Borrower will maintain
insurance on the Collateral under such policies of insurance, with such
insurance companies, in such amounts, and covering such risks as are at all
times satisfactory to the Lender. All such policies shall be made payable to the
Lender, in case of loss, under a standard non-contributory "lender" or "secured
party" clause and are to contain such other provisions as the Lender may
reasonably require to protect the Lender's interests in the Collateral and to
any payments to be made under such policies. Certificates of insurance policies
are to be delivered to the Lender, premium prepaid, with the loss payable
endorsement in the Lender's favor, and shall provide for not less than thirty
days' prior written notice to the Lender, of any alteration or cancellation of
coverage. If the Borrower fails to maintain such insurance, the Lender may
arrange for (at the Borrower's expense and without any responsibility on the
Lender's part for) obtaining the insurance. Unless the Lender shall otherwise
agree with the Borrower in writing, the Lender shall have the sole right, in the
name of the Lender or the Borrower, to file claims under any insurance policies,
to receive and give acquittance for any payments that may be payable thereunder,
and to execute any endorsements, receipts, releases, assignments, reassignments,
or other documents that may be necessary to effect the collection, compromise,
or settlement of any claims under any such insurance policies.

                           SECTION 5.5. TAXES. The Borrower will pay, when due,
all taxes, assessments, claims, and other charges ("Taxes") lawfully levied or
assessed against the Borrower or the Collateral other than taxes that are being
diligently contested in good faith by the Borrower by appropriate proceedings
promptly

                                       6

<PAGE>

instituted and for which an adequate reserve is being maintained by the Borrower
in accordance with GAAP. If any Taxes remain unpaid after the date fixed for the
payment thereof, or if any lien shall be claimed therefor, then, without notice
to the Borrower, but on the Borrower's behalf, the Lender may pay such Taxes,
and the amount thereof shall be included in the Obligations.

                           SECTION 5.6. BORROWER TO DEFEND COLLATERAL AGAINST
CLAIMS; FEES ON COLLATERAL. The Borrower will defend the Collateral against all
claims and demands of all Persons at any time claiming the same or any interest
therein. The Borrower will not permit any notice creating or otherwise relating
to liens on the Collateral or any portion thereof to exist or be on file in any
public office other than Permitted Liens. The Borrower shall promptly pay, when
payable, all transportation, storage, and warehousing charges and license fees,
registration fees, assessments, charges, permit fees, and taxes (municipal,
state, and federal) which may now or hereafter be imposed upon the ownership,
leasing, renting, possession, sale, or use of the Collateral, other than taxes
on or measured by the Lender's income and fees, assessments, charges, and taxes
which are being contested in good faith by appropriate proceedings diligently
conducted and with respect to which adequate reserves are maintained to the
extent required by GAAP.

                           SECTION 5.7. NO CHANGE OF LOCATION, STRUCTURE, OR
IDENTITY. The Borrower will not (a) change the location of its chief executive
office or establish any place of business other than those specified herein or
(b) move or permit the movement of any item of Collateral from the location
specified in the applicable Schedule, except that the Borrower may change its
chief executive office and keep Collateral at other locations within the United
States provided that the Borrower has delivered to the Lender (i) prior written
notice thereof and (ii) duly executed financing statements and other agreements
and instruments (all in form and substance satisfactory to the Lender) necessary
or, in the opinion of the Lender, desirable to perfect and maintain in favor of
the Lender a first priority security interest in the Collateral. Notwithstanding
anything to the contrary in the immediately preceding sentence, the Borrower may
keep any Collateral consisting of motor vehicles or rolling stock at any
location in the United States provided that the Lender's security interest in
any such Collateral is conspicuously marked on the certificate of title thereof
and the Borrower has complied with the provisions of Section 5.9.

                           SECTION 5.8. USE OF COLLATERAL; LICENSES; REPAIR. The
Collateral shall be operated by competent, qualified personnel in connection
with the Borrower's business purposes, for the purpose for which the Collateral
was designed and in accordance with applicable operating instructions, laws, and
government regulations, and the Borrower shall use every reasonable precaution
to prevent loss or damage to the Collateral from fire and other hazards. The
Collateral shall not be used or operated for personal, family, or household
purposes. The Borrower shall procure and maintain in effect all orders,
licenses, certificates, permits, approvals, and consents required by federal,
state, or local laws or by any governmental body, agency, or authority in
connection with the delivery, installation, use, and operation of the
Collateral. The Borrower shall keep all of the Equipment in a satisfactory state
of repair and satisfactory operating condition in accordance with industry
standards, and will make all repairs and replacements when and where necessary
and practical. The Borrower will not waste or destroy the Equipment or any part
thereof, and will not be negligent in the care or use thereof. The Equipment
shall not be annexed or affixed to or become part of any realty without the
Lender's prior written consent.

                           SECTION 5.9. FURTHER ASSURANCES. The Borrower will,
promptly upon request by the Lender, execute and deliver or use its best efforts
to obtain any document required by the Lender (including, without limitation,
warehouseman or processor disclaimers, mortgagee waivers, landlord disclaimers,
or subordination agreements with respect to the Obligations and the Collateral),
give any notices, execute and file any financing statements, mortgages, or other
documents (all in form and substance satisfactory to the Lender), mark any
chattel paper, deliver any chattel paper or instruments to the Lender, and take
any other actions that are necessary or, in the opinion of the Lender, desirable
to perfect or continue the perfection and the first priority of the Lender's
security interest in the Collateral, to protect the Collateral against the
rights, claims, or interests of any Persons, or to effect the purposes of this
Agreement. The Borrower hereby authorizes the Lender to file one or more
financing or continuation statements, and amendments thereto, relating to all or
any part of the Collateral without the signature of the Borrower where permitted
by law. A carbon, photographic, or other reproduction of this Agreement or any
financing statement covering the Collateral or any part thereof shall be
sufficient as a financing statement where permitted by law. To the extent
required under this Agreement, the Borrower will pay all

                                       7

<PAGE>

costs incurred in connection with any of the foregoing.

                           SECTION 5.10. NO DISPOSITION OF COLLATERAL. The
Borrower will not in any way hypothecate or create or permit to exist any lien,
security interest, charge, or encumbrance on or other interest in any of the
Collateral, except for the lien and security interest granted hereby and
Permitted Liens which are junior to the lien and security interest of the
Lender, and the Borrower will not sell, transfer, assign, pledge, collaterally
assign, exchange, or otherwise dispose of any of the Collateral. In the event
the Collateral, or any part thereof, is sold, transferred, assigned, exchanged,
or otherwise disposed of in violation of these provisions, the security interest
of the Lender shall continue in such Collateral or part thereof notwithstanding
such sale, transfer, assignment, exchange, or other disposition, and the
Borrower will hold the proceeds thereof in a separate account for the benefit of
the Lender. Following such a sale, the Borrower will transfer such proceeds to
the Lender in kind.

                           SECTION 5.11. NO LIMITATION ON LENDER'S RIGHTS. The
Borrower will not enter into any contractual obligations which may restrict or
inhibit the Lender's rights or ability to sell or otherwise dispose of the
Collateral or any part thereof.

                           SECTION 5.12. PROTECTION OF COLLATERAL. Upon notice
to the Borrower (provided that if an Event of Default has occurred and is
continuing the Lender need not give any notice), the Lender shall have the right
at any time to make any payments and do any other acts the Lender may deem
necessary to protect its security interests in the Collateral, including,
without limitation, the rights to satisfy, purchase, contest, or compromise any
encumbrance, charge, or lien which, in the reasonable judgment of the Lender,
appears to be prior to or superior to the security interests granted hereunder,
and appear in, and defend any action or proceeding purporting to affect its
security interests in, or the value of, any of the Collateral. The Borrower
hereby agrees to reimburse the Lender for all payments made and expenses
incurred under this Agreement including fees, expenses, and disbursements of
attorneys and paralegals (including the allocated costs of in-house counsel)
acting for the Lender, including any of the foregoing payments under, or acts
taken to protect its security interests in, any of the Collateral, which amounts
shall be secured under this Agreement, and agrees it shall be bound by any
payment made or act taken by the Lender hereunder absent the Lender's gross
negligence or willful misconduct. The Lender shall have no obligation to make
any of the foregoing payments or perform any of the foregoing acts.

                           SECTION 5.13. DELIVERY OF ITEMS. The Borrower will
(a) promptly (but in no event later than one Business Day) after its receipt
thereof, deliver to the Lender any documents or certificates of title issued
with respect to any property included in the Collateral, and any promissory
notes, letters of credit or instruments related to or otherwise in connection
with any property included in the Collateral, which in any such case come into
the possession of the Borrower, or shall cause the issuer thereof to deliver any
of the same directly to the Lender, in each case with any necessary endorsements
in favor of the Lender and (b) deliver to the Lender as soon as available copies
of any and all press releases and other similar communications issued by the
Borrower.

                           SECTION 5.14. SOLVENCY. The Borrower shall be and
remain Solvent at all times.

                           SECTION 5.15. FUNDAMENTAL CHANGES. The Borrower shall
not (a) amend or modify its name, unless the Borrower delivers to the Lender
thirty days prior to any such proposed amendment or modification written notice
of such amendment or modification and within ten days before such amendment or
modification delivers executed Uniform Commercial Code financing statements (in
form and substance satisfactory to the Lender) or (b) merge or consolidate with
any other entity or make any material change in its capital structure, in each
case without the Lender's prior written consent which shall not be unreasonably
withheld.

                           SECTION 5.16. ADDITIONAL REQUIREMENTS. The Borrower
shall take all such further actions and execute all such further documents and
instruments as the Lender may reasonably request.

                  SECTION 6. FINANCIAL STATEMENTS. Until the payment and
satisfaction in full of all Obligations, the Borrower shall deliver to the
Lender the following financial information:

                  SECTION 6.1. ANNUAL FINANCIAL STATEMENTS. As soon as
available, but not later

                                       8

<PAGE>

than 120 days after the end of each fiscal year of the Borrower and its
consolidated subsidiaries, the consolidated balance sheet, income statement, and
statements of cash flows and shareholders equity for the Borrower and its
consolidated subsidiaries (the "Financial Statements") for such year, reported
on by independent certified public accountants without an adverse qualification;
and

                           SECTION 6.2. QUARTERLY FINANCIAL STATEMENTS. As soon
as available, but not later than 60 days after the end of each of the first
three fiscal quarters in any fiscal year of the Borrower and its consolidated
subsidiaries, the Financial Statements for such fiscal quarter, together with a
certification duly executed by a responsible officer of the Borrower that such
Financial Statements have been prepared in accordance with GAAP and are fairly
stated in all material respects (subject to normal year-end audit adjustments).

                  SECTION 7. EVENTS OF DEFAULT. The occurrence of any of the
following events shall constitute an Event of Default hereunder:

                           (a) the Borrower shall fail to pay within five days
of when due any amount required to be paid by the Borrower under or in
connection with any Note and this Agreement;

                           (b) any representation or warranty made or deemed
made by the Borrower under or in connection with any Loan Document or any
Financial Statement shall prove to have been false or incorrect in any material
respect when made;

                           (c) the Borrower shall fail to perform or observe (i)
any of the terms, covenants or agreements contained in Sections 5.4, 5.7, 5.10,
5.14, or 5.15 hereof or (ii) any other term, covenant, or agreement contained in
any Loan Document (other than the other Events of Default specified in this
Section 7) and such failure remains unremedied for the earlier of fifteen days
from (A) the date on which the Lender has given the Borrower written notice of
such failure and (B) the date on which the Borrower knew or should have known of
such failure;

                           (d) any provision of any Loan Document to which the
Borrower is a party shall for any reason cease to be valid and binding on the
Borrower, or the Borrower shall so state;

                           (e) dissolution, liquidation, winding up, or
cessation of the Borrower's business, failure of the Borrower generally to pay
its debts as they mature, admission in writing by the Borrower of its inability
generally to pay its debts as they mature, or calling of a meeting of the
Borrower's creditors for purposes of compromising any of the Borrower's debts;

                           (f) the commencement by or against the Borrower of
any bankruptcy, insolvency, arrangement, reorganization, receivership, or
similar proceedings under any federal or state law and, in the case of any such
involuntary proceeding, such proceeding remains undismissed or unstayed for
forty-five days following the commencement thereof, or any action by the
Borrower is taken authorizing any such proceedings;

                           (g) an assignment for the benefit of creditors is
made by the Borrower, whether voluntary or involuntary, the appointment of a
trustee, custodian, receiver, or similar official for the Borrower or for any
substantial property of the Borrower, or any action by the Borrower authorizing
any such proceeding;

                           (h) the Borrower shall default in (i) the payment of
principal or interest on any indebtedness in excess of $50,000 (other than the
Obligations) beyond the period of grace, if any, provided in the instrument or
agreement under which such indebtedness was created; or (ii) the observance or
performance of any other agreement or condition relating to any such
indebtedness or contained in any instrument or agreement relating thereto, or
any other event shall occur or condition exist, the effect of which default or
other event or condition is to cause, or to permit the holder or holders of such
indebtedness to cause, with the giving of notice if required, such indebtedness
to become due prior to its stated maturity; or (iii) any loan or other agreement
under which the Borrower has received financing from Transamerica Corporation or
any of its affiliates;

                           (i) the Borrower suffers or sustains a Material
Adverse Change;

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<PAGE>

                           (j) any tax lien, other than a Permitted Lien, is
filed of record against the Borrower and is not bonded or discharged within five
Business Days;

                           (k) any judgment which has had or could reasonably be
expected to have a Material Adverse Effect on the Borrower and such judgment
shall not be stayed, vacated, bonded, or discharged within sixty days;

                           (1) any material covenant, agreement, or obligation,
as determined in the sole discretion of the Lender, made by the Borrower and
contained in or evidenced by any of the Loan Documents shall cease to be
enforceable, or shall be determined to be unenforceable, in accordance with its
terms; the Borrower shall deny or disaffirm the Obligations under any of the
Loan Documents or any liens granted in connection therewith; or any liens
granted on any of the Collateral in favor of the Lender shall be determined to
be void, voidable, or invalid, or shall not be given the priority contemplated
by this Agreement; or

                           (m) there is a change in more than 35% of the
ownership of any equity interests of the Borrower on the date hereof or more
than 35% of such interests become subject to any contractual, judicial, or
statutory lien, charge, security interest, or encumbrance.

                  SECTION 8. REMEDIES. If any Event of Default shall have
occurred and be continuing:

                           (a) The Lender may, without prejudice to any of its
other rights under any Loan Document or Applicable Law, declare all Obligations
to be immediately due and payable (except with respect to any Event of Default
set forth in Section 7(f) hereof, in which case all Obligations shall
automatically become immediately due and payable without necessity of any
declaration) without presentment, representation, demand of payment, or protest,
which are hereby expressly waived.

                           (b) The Lender may take possession of the Collateral
and, for that purpose may enter, with the aid and assistance of any person or
persons, any premises where the Collateral or any part hereof is, or may be
placed, and remove the same.

                           (c) The obligation of the Lender, if any, to make
additional Loans or financial accommodations of any kind to the Borrower shall
immediately terminate.

                           (d) The Lender may exercise in respect of the
Collateral, in addition to other rights and remedies provided for herein (or
in any Loan Document) or otherwise available to it, all the rights and
remedies of a secured party under the applicable Uniform Commercial Code (the
"Code") whether or not the Code applies to the affected Collateral and also
may (i) require the Borrower to, and the Borrower hereby agrees that it will
at its expense and upon request of the Lender forthwith, assemble all or part
of the Collateral as directed by the Lender and make it available to the
Lender at a place to be designated by the Lender that is reasonably
convenient to both parties and (ii) without notice except as specified below,
sell the Collateral or any part thereof in one or more parcels at public or
private sale, at any of the Lender's offices or elsewhere, for cash, on
credit, or for future delivery, and upon such other terms as the Lender may
deem commercially reasonable. The Borrower agrees that, to the extent notice
of sale shall be required by law, at least ten days' notice to the Borrower
of the time and place of any public sale or the time after which any private
sale is to be made shall constitute reasonable notification. The Lender shall
not be obligated to make any sale of Collateral regardless of notice of sale
having been given. The Lender may adjourn any public or private sale from
time to time by announcement at the time and place fixed therefor, and such
sale may, without further notice, be made at the time and place to which it
was so adjourned.

                           (e) All cash proceeds received by the Lender in
respect of any sale of, collection from, or other realization upon all or any
part of the Collateral may, in the discretion of the Lender, be held by the
Lender as collateral for, or then or at any time thereafter applied in whole or
in part by the Lender against, all or any part of the Obligations in such order
as the Lender shall elect. Any surplus of such cash or cash proceeds held by the
Lender and remaining after the full and final payment of all the Obligations
shall be paid over to the Borrower

                                       10

<PAGE>

or to such other Person to which the Lender may be required under applicable
law, or directed by a court of competent jurisdiction, to make payment of such
surplus.

                  SECTION 9. MISCELLANEOUS PROVISIONS.

                           SECTION 9.1. NOTICES. Except as otherwise provided
herein, all notices, approvals, consents, correspondence, or other
communications required or desired to be given hereunder shall be given in
writing and shall be delivered by overnight courier, hand delivery, or certified
or registered mail, postage prepaid, if to the Lender, then to Transamerica
Technology Finance Division, 76 Batterson Park Road, Farmington, Connecticut
06032, Attention: Assistant Vice President, Lease Administration, with a copy to
the Lender at Riverway II, West Office Tower, 9399 West Higgins Road, Rosemont,
Illinois 60018, Attention: Legal Department, and if to the Borrower, then to
Adesso Specialty Services Organization, Inc., 101 Park Center Plaza, Suite 1200,
San Jose, California 95113, Attention: Chief Financial Officer or such other
address as shall be designated by the Borrower or the Lender to the other party
in accordance herewith. All such notices and correspondence shall be effective
when received.

                           SECTION 9.2. HEADINGS. The headings in this Agreement
are for purposes of reference only and shall not affect the meaning or
construction of any provision of this Agreement.

                           SECTION 9.3. ASSIGNMENTS. The Borrower shall not have
the right to assign any Note or this Agreement or any interest therein unless
the Lender shall have given the Borrower prior written consent and the Borrower
and its assignee shall have delivered assignment documentation in form and
substance satisfactory to the Lender in its sole discretion. The Lender may
assign its rights and delegate its obligations under any Note or this Agreement.

                           SECTION 9.4. AMENDMENTS, WAIVERS, AND CONSENTS. Any
amendment or waiver of any provision of this Agreement and any consent to any
departure by the Borrower from any provision of this Agreement shall be
effective only by a writing signed by the Lender and shall bind and benefit the
Borrower and the Lender and their respective successors and assigns, subject, in
the case of the Borrower, to the first sentence of Section 9.3.

                           SECTION 9.5. INTERPRETATION OF AGREEMENT. Time is of
the essence in each provision of this Agreement of which time is an element. All
terms not defined herein or in a Note shall have the meaning set forth in the
applicable Code, except where the context otherwise requires. To the extent a
term or provision of this Agreement conflicts with any Note, or any term or
provision thereof, and is not dealt with herein with more specificity, this
Agreement shall control with respect to the subject matter of such term or
provision. Acceptance of or acquiescence in a course of performance rendered
under this Agreement shall not be relevant in determining the meaning of this
Agreement even though the accepting or acquiescing party had knowledge of the
nature of the performance and opportunity for objection.

                           SECTION 9.6. CONTINUING SECURITY INTEREST. This
Agreement shall create a continuing security interest in the Collateral and
shall (i) remain in full force and effect until the indefeasible payment in full
of the Obligations, (ii) be binding upon the Borrower and its successors and
assigns and (iii) inure, together with the rights and remedies of the Lender
hereunder, to the benefit of the Lender and its successors, transferees, and
assigns.

                           SECTION 9.7. REINSTATEMENT. To the extent permitted
by law, this Agreement and the rights and powers granted to the Lender hereunder
and under the Loan Documents shall continue to be effective or be reinstated if
at any time any amount received by the Lender in respect of the Obligations is
rescinded or must otherwise be restored or returned by the Lender upon the
insolvency, bankruptcy, dissolution, liquidation, or reorganization of the
Borrower or upon the appointment of any receiver, intervenor, conservator,
trustee, or similar official for the Borrower or any substantial part of its
assets, or otherwise, all as though such payments had not been made.

                                       11

<PAGE>

                           SECTION 9.8. SURVIVAL OF PROVISIONS. All
representations, warranties, and covenants of the Borrower contained herein
shall survive the execution and delivery of this Agreement, and shall terminate
only upon the full and final payment and performance by the Borrower of the
Obligations secured hereby.

                           SECTION 9.9. INDEMNIFICATION. The Borrower agrees to
indemnify and hold harmless the Lender and its directors, officers, agents,
employees, and counsel from and against any and all costs, expenses, claims, or
liability incurred by the Lender or such Person hereunder and under any other
Loan Document or in connection herewith or therewith, unless such claim or
liability shall be due to willful misconduct or gross negligence on the part of
the Lender or such Person.

                           SECTION 9.10. COUNTERPARTS; TELECOPIED SIGNATURES.
This Agreement may be executed in counterparts, each of which when so executed
and delivered shall be an original, but both of which shall together constitute
one and the same instrument. This Agreement and each of the other Loan Documents
and any notices given in connection herewith or therewith may be executed and
delivered by telecopier or other facsimile transmission all with the same force
and effect as if the same was a fully executed and delivered original manual
counterpart.

                           SECTION 9.11. SEVERABILITY. In case any provision in
or obligation under this Agreement or any Note or any other Loan Document shall
be invalid, illegal, or unenforceable in any jurisdiction, the validity,
legality, and enforceability of the remaining provisions or obligations, or of
such provision or obligation in any other jurisdiction, shall not in any way be
affected or impaired thereby.

                           SECTION 9.12. DELAYS; PARTIAL EXERCISE OF REMEDIES.
No delay or omission of the Lender to exercise any right or remedy hereunder,
whether before or after the happening of any Event of Default, shall impair any
such right or shall operate as a waiver thereof or as a waiver of any such Event
of Default. No single or partial exercise by the Lender of any right or remedy
shall preclude any other or further exercise thereof, or preclude any other
right or remedy.

                           SECTION 9.13. ENTIRE AGREEMENT. The Borrower and the
Lender agree that this Agreement, the Schedule hereto, and the Commitment Letter
are the complete and exclusive statement and agreement between the parties with
respect to the subject matter hereof, superseding all proposals and prior
agreements, oral or written, and all other communications between the parties
with respect to the subject matter hereof. Should there exist any inconsistency
between the terms of the Commitment Letter and this Agreement, the terms of this
Agreement shall prevail.

                           SECTION 9.14. SETOFF. In addition to and not in
limitation of all rights of offset that the Lender may have under Applicable
Law, and whether or not the Lender has made any demand or the Obligations of the
Borrower have matured, the Lender shall have the right to appropriate and apply
to the payment of the Obligations of the Borrower all deposits and other
obligations then or thereafter owing by the Lender to or for the credit or the
account of the Borrower.

                           SECTION 9.15. WAIVER OF JURY TRIAL. THE BORROWER AND
THE LENDER IRREVOCABLY WAIVE ALL RIGHT TO TRIAL BY JURY IN ANY ACTION,
PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, ANY
OTHER LOAN DOCUMENT, OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY.

                           SECTION 9.16. GOVERNING LAW. THE VALIDITY,
INTERPRETATION, AND ENFORCEMENT OF THIS AGREEMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF ILLINOIS WITHOUT GIVING
EFFECT TO THE CONFLICT OF LAW PRINCIPLES THEREOF.

                           SECTION 9.17. VENUE; SERVICE OF PROCESS. ANY LEGAL
ACTION OR PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY OTHER LOAN DOCUMENT
MAY BE BROUGHT IN THE COURTS OF THE STATE OF ILLINOIS SITUATED IN COOK COUNTY,
OR OF THE

                                       12

<PAGE>

UNITED STATES OF AMERICA FOR THE NORTHERN DISTRICT OF ILLINOIS, AND, BY
EXECUTION AND DELIVERY OF THIS AGREEMENT, THE BORROWER HEREBY ACCEPTS FOR ITSELF
AND IN RESPECT OF ITS PROPERTY, GENERALLY AND UNCONDITIONALLY, THE JURISDICTION
OF THE AFORESAID COURTS. THE BORROWER HEREBY IRREVOCABLY WAIVES, IN CONNECTION
WITH ANY SUCH ACTION OR PROCEEDING, (a) ANY OBJECTION, INCLUDING, WITHOUT
LIMITATION, ANY OBJECTION TO THE LAYING OF VENUE OR BASED ON THE GROUNDS OF
FORUM NON CONVENIENS, THAT IT MAY NOW OR HEREAFTER HAVE TO THE BRINGING OF ANY
SUCH ACTION OR PROCEEDING IN SUCH RESPECTIVE JURISDICTIONS AND (b) THE RIGHT TO
INTERPOSE ANY NONCOMPULSORY SETOFF, COUNTERCLAIM, OR CROSS-CLAIM. THE BORROWER
IRREVOCABLY CONSENTS TO THE SERVICE OF PROCESS OF ANY OF THE AFOREMENTIONED
COURTS IN ANY SUCH ACTION OR PROCEEDING BY THE MAILING OF COPIES THEREOF BY
REGISTERED OR CERTIFIED MAIL, POSTAGE PREPAID, TO THE BORROWER AT THE ADDRESS
FOR IT SPECIFIED IN SECTION 9.1 HEREOF. NOTHING HEREIN SHALL AFFECT THE RIGHT OF
THE LENDER TO SERVE PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR TO COMMENCE
LEGAL PROCEEDINGS OR OTHERWISE PROCEED AGAINST THE BORROWER IN ANY OTHER
JURISDICTION, SUBJECT IN EACH INSTANCE TO THE PROVISIONS HEREOF WITH RESPECT TO
RIGHTS AND REMEDIES.

                           IN WITNESS WHEREOF, the undersigned Borrower has
caused this Agreement to be duly executed and delivered by its proper and duly
authorized officer as of the date first set forth above.

                                    ADESSO SPECIALTY SERVICES ORGANIZATION, INC.

                                    By:  /s/ Kenneth B. Zimmerman
                                       -----------------------------------------
                                     Name:      Kenneth B. Zimmerman
                                     Title:     CFO
                                    Federal Tax ID:       94-3228382

Accepted as of the
13th day of May, 1998

TRANSAMERICA BUSINESS CREDIT CORPORATION

By:  /s/ Gary P. Moro
   -----------------------------------------------
 Name:    Gary P. Moro
 Title:   Vice President

                                       13

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