Document:

EXHIBIT 10.24(d)

                              THIRD MODIFICATION OF
                    THIRD AMENDED AND RESTATED LOAN AGREEMENT

     THIS  MODIFICATION  is made  and  entered  into as of the 12th day of June,
1998, by and between CRYOLIFE,  INC., a Florida  corporation  ("Borrower"),  and
NATIONSBANK,  N.A., a national  banking  association  which is the  successor by
merger to  NationsBank,  N.A.  (South),  the  successor by merger to Bank South,
formerly known as Bank South, N.A. ("Lender").

                               Statement of Facts

     Borrower and Lender are parties to that certain  Third Amended and Restated
Loan Agreement, dated as of August 30, 1996, as amended by First Modification of
Third Amended and Restated Loan  Agreement,  dated as of April 14, 1997,  and as
further  amended by Second  Modification  of Third  Amended  and  Restated  Loan
Agreement, dated as of December 16, 1997 (the "Loan Agreement").

     Borrower  and  Lender  desire  to  further  amend  the  Loan  Agreement  as
hereinafter provided.

     NOW,  THEREFORE,  for and in  consideration  of the premises and the mutual
agreements,  warranties  and  representations  herein made, as well as $10.00 in
hand  paid by each  party  hereto to the  other,  and  other  good and  valuable
consideration,  the  receipt  and  sufficiency  which are  hereby  acknowledged,
Borrower  and Lender  agree that all  capitalized  terms  used  herein  (and not
otherwise  defined  herein)  shall  have  the  meanings  given  them in the Loan
Agreement as herein amended and Borrower and Lender further agree as follows:

                               Statement of Terms

     1. The Loan Agreement is hereby amended  effective as of the date hereof by
deleting  from  Section  101  thereof  the   definition  of  the  term  "Maximum
Availability"  and  substituting  in  lieu  thereof  the  following  replacement
definition:

          "Maximum  Availability"  shall mean $2,000,000,  as such amount may be
     reduced or amended pursuant to this Agreement.

     2. The Loan  Agreement is hereby further  amended  effective as of the date
hereof by deleting the first  sentence of Section 201(e) thereof in its entirety
and substituting in lieu thereof the following:

     Borrower  shall pay to Lender  unused  facility  fees for  Borrower's  Loan
     facility  hereunder  during the Revolving Loan Period computed on the daily
     average unused portion of the Maximum  Availability  at a rate per annum of
     one-quarter of one percent (.25%).

     3. The Loan  Agreement is hereby  further  amended by deleting  Exhibit A-1
attached to the Loan Agreement and  substituting in lieu thereof the new Exhibit
A-1 attached hereto.

     4. The effectiveness of this Modification is subject to:

     (a)  the prior or concurrent receipt by Lender of this  Modification,  duly
          executed by Borrower;

     (b)  the prior or concurrent  receipt by Lender of a replacement  Revolving
          Note in the principal face amount of the reduced Maximum Availability;

     (c)  any and all  guarantors  of the  Loans  shall  have  consented  to the
          execution,  delivery and performance of this  Modification and the new
          Note and all of the transactions contemplated hereby by signing one or
          more  counterparts  of  this  Modification  in the  appropriate  space
          indicated below and returning same to Lender;

     (d)  the prior or concurrent receipt by Lender of a certificate of Borrower
          in the form of Exhibit B attached  hereto,  and a certificate  of each
          Guarantor in the form of Exhibit C attached hereto;

     (e)  the payment of all fees and  expenses due from  Borrower  hereunder as
          set forth in Section 7 below; and

     (f)  the  truth  and  accuracy  in  all  material  respects  of  Borrower's
          representations and warranties in Section 6 below.

     5. Except as expressly  modified herein, the Loan Agreement shall remain in
full force and effect. Nothing contained herein shall be deemed to be or operate
as a novation  or an accord and  satisfaction  of the Loan  Agreement  or of any
indebtedness arising thereunder.

     6.  Borrower  hereby  represents  and  warrants  to  Lender  that  (a) this
Modification and the  supplemental  Financing  Documents  executed in connection
herewith  have been duly  authorized,  executed and  delivered by Borrower,  (b)
after  giving  effect to this  Modification,  no Default or Event of Default has
occurred and is  continuing  as of this date and (c) all of the  representations
and  warranties  made by Borrower in the Loan  Agreement are true and correct in
all material respects on and as of the date of this Modification  (except to the
extent  that any such  representations  or  warranties  expressly  referred to a
specific  prior  date).  Any  breach  by  Borrower  of its  representations  and
warranties  contained  in this  Section  shall be an Event  of  Default  for all
purposes of the Loan Agreement.

     7. Borrower further agrees to reimburse Lender for all reasonable  expenses
(including  without  limitation  attorney's  fees)  incurred  by  Lender  in the
negotiation,   documentation  or  consummation  of  this  Modification  and  the
transactions contemplated hereby.

     8. This Modification shall be governed and construed in accordance with the
laws of the State of Georgia and this Modification shall inure to the benefit of
and shall be binding upon the parties hereto and their respective successors and
permitted assigns.

     9. This  Modification  may be executed in  multiple  counterparts,  each of
which  shall be deemed to be an  original  and all of which when taken  together
shall constitute one and the same instrument.

     IN WITNESS WHEREOF, Lender has executed this Modification, and Borrower has
executed  this  Modification  and placed its seal hereon,  all as of the day and
year first above set forth.

                                     LENDER:

                                     NATIONSBANK, N.A.

                                     By: _____________________________________
                                         Vice President

                                     BORROWER:

                                     CRYOLIFE, INC.

                                     By:_____________________________________
                                        Title:

                                                  (CORPORATE SEAL)

<PAGE>

                              CONSENT OF GUARANTOR

     All  capitalized  terms used herein and not otherwise  defined herein shall
have the  meanings  given  such terms in the Third  Amended  and  Restated  Loan
Agreement,  dated as of August 30, 1996, between CryoLife, Inc. ("Borrower") and
NationsBank,  N.A., successor by merger to NationsBank, N.A. (South) ("Lender"),
as amended (the "Loan Agreement").

     The undersigned  acknowledges that it is indebted to Lender under the terms
of the  Guaranty  Agreement,  dated  as of  August  30,  1996,  executed  by the
undersigned  in favor of Lender (the  "Guaranty"),  and that the  Guaranty is in
full force and effect as of the date hereof,  has not been  amended,  rescinded,
revoked or terminated  by such party  through the date hereof,  and continues to
constitute  the  legal,   valid  and  binding   obligation  of  the  undersigned
enforceable   against  the  undersigned  in  accordance  with  its  terms.   The
undersigned hereby confirms and reaffirms all of its obligations and liabilities
to Lender under the Guaranty  and further  confirms and agrees that  pursuant to
the Guaranty,  the undersigned has guaranteed the payment and performance of the
Revolving  Note,  the  Additional  Term  Note and each  Hedge  Agreement  now or
hereafter  in effect,  and all  obligations,  liabilities  and  indebtedness  of
Borrower arising thereunder or evidenced thereby.

     The undersigned  also consents to and approves the execution,  delivery and
performance  of the  Third  Modification  of Third  Amended  and  Restated  Loan
Agreement,  dated as of the date hereof, between Lender and Borrower (the "Third
Modification"),  the new  Revolving  Note  executed and  delivered in connection
therewith,  and all the transactions  contemplated thereby. The undersigned also
agrees that all indebtedness,  obligations and liabilities of Borrower to Lender
which may now or  hereafter  arise  under or by  reason  of the Loan  Agreement,
including without limitation Borrower's obligations in respect of Loans advanced
pursuant to the Loan  Agreement,  and all  obligations  arising  under any Hedge
Agreement,  constitute  part of the  obligations of Borrower to Lender which are
guaranteed by the undersigned under the terms and conditions of the Guaranty.

     SIGNED, SEALED AND DELIVERED as of the 12th day of June, 1998.

                                     CRYOLIFE INTERNATIONAL, INC.

                                     By:_____________________________________
                                     Title:__________________________________

                                                    (CORPORATE SEAL)

<PAGE>
                              CONSENT OF GUARANTOR

     All  capitalized  terms used herein and not otherwise  defined herein shall
have the  meanings  given  such terms in the Third  Amended  and  Restated  Loan
Agreement,  dated as of August 30, 1996, between CryoLife, Inc. ("Borrower") and
NationsBank,  N.A., successor by merger to NationsBank, N.A. (South) ("Lender"),
as amended (the "Loan Agreement").

     The undersigned  acknowledges that it is indebted to Lender under the terms
of  the  Guaranty  Agreement,  dated  as of  April  14,  1997,  executed  by the
undersigned  in favor of Lender (the  "Guaranty"),  and that the  Guaranty is in
full force and effect as of the date hereof,  has not been  amended,  rescinded,
revoked or terminated  by such party  through the date hereof,  and continues to
constitute  the  legal,   valid  and  binding   obligation  of  the  undersigned
enforceable   against  the  undersigned  in  accordance  with  its  terms.   The
undersigned hereby confirms and reaffirms all of its obligations and liabilities
to Lender under the Guaranty  and further  confirms and agrees that  pursuant to
the Guaranty,  the undersigned has guaranteed the payment and performance of the
Revolving  Note,  the  Additional  Term  Note and each  Hedge  Agreement  now or
hereafter  in effect,  and all  obligations,  liabilities  and  indebtedness  of
Borrower arising thereunder or evidenced thereby.

     The undersigned  also consents to and approves the execution,  delivery and
performance  of the  Third  Modification  of Third  Amended  and  Restated  Loan
Agreement,  dated as of the date hereof, between Lender and Borrower (the "Third
Modification"),  the new  Revolving  Note  executed and  delivered in connection
therewith,  and all the transactions  contemplated thereby. The undersigned also
agrees that all indebtedness,  obligations and liabilities of Borrower to Lender
which may now or  hereafter  arise  under or by  reason  of the Loan  Agreement,
including without limitation Borrower's obligations in respect of Loans advanced
pursuant to the Loan  Agreement,  and all  obligations  arising  under any Hedge
Agreement,  constitute  part of the  obligations of Borrower to Lender which are
guaranteed by the undersigned under the terms and conditions of the Guaranty.

     SIGNED, SEALED AND DELIVERED as of the 12th day of June, 1998.

                                     IDEAS FOR MEDICINE, INC.

                                     By:_____________________________________
                                     Title:__________________________________

                                                   (CORPORATE SEAL)EXHIBIT 10.24(e)

                             FOURTH MODIFICATION OF
                    THIRD AMENDED AND RESTATED LOAN AGREEMENT
                                       AND
                      FIRST MODIFICATION OF REVOLVING NOTE

     THIS MODIFICATION (this  "Modification") is made and entered into as of the
31st day of December, 1999, by and between CRYOLIFE, INC., a Florida corporation
("Borrower"), and BANK OF AMERICA, N.A., a national banking association which is
the successor by merger to  NationsBank,  N.A.,  formerly known as  NationsBank,
N.A. (South),  formerly known as Bank South,  formerly known as Bank South, N.A.
("Lender").

                               Statement of Facts

     Borrower and Lender are parties to that certain  Third Amended and Restated
Loan Agreement, dated as of August 30, 1996, as amended by First Modification of
Third  Amended and  Restated  Loan  Agreement,  dated as of April 14,  1997,  as
further  amended by Second  Modification  of Third  Amended  and  Restated  Loan
Agreement,  dated as of  December  16,  1997,  and as  further  amended by Third
Modification of Third Amended and Restated Loan Agreement,  dated as of June 12,
1998 (the "Loan Agreement").

     Pursuant to the Loan  Agreement,  the  Borrower  has issued in favor of the
Lender a $2,000,000 Revolving Note, dated June 12, 1998 (the "Revolving Note").

     Borrower and Lender desire to further amend the Loan Agreement and to amend
the Revolving Note as hereinafter provided.

     NOW,  THEREFORE,  for and in  consideration  of the premises and the mutual
agreements,  warranties  and  representations  herein made, as well as $10.00 in
hand  paid by each  party  hereto to the  other,  and  other  good and  valuable
consideration,  the  receipt  and  sufficiency  which are  hereby  acknowledged,
Borrower  and Lender  agree that all  capitalized  terms  used  herein  (and not
otherwise  defined  herein)  shall  have  the  meanings  given  them in the Loan
Agreement as herein amended and Borrower and Lender further agree as follows:

                               Statement of Terms

     1. Section 101 of the Loan Agreement is hereby amended  effective as of the
date hereof as follows:

     (a) the date  "December  31,  1999" in the  definition  of the term "Credit
     Expiration  Date" is hereby  deleted,  and the date  "December 31, 2001" is
     substituted in lieu thereof; and

     (b) the date  "December  31,  2004" in the  definition  of the term  "Final
     Maturity  Date" is hereby  deleted,  and the date  "December  31,  2001" is
     substituted in lieu thereof.

     2. Section 403 of the Loan Agreement is hereby amended  effective as of the
date hereof by deleting  from  subpart (2) thereof the phrase "Not later than 30
days after and as of the end of each month  (other  than the final month of each
fiscal year)" and inserting in lieu thereof the following:

     "Not later than 45 days after and as of the end of each quarter (other than
     the final quarter of each fiscal year)"

     3. Section 507 of the Loan Agreement is hereby amended  effective as of the
date hereof by deleting  subpart (b) thereof in its entirety and by substituting
in lieu thereof the following:

     "Borrower shall not make Capital  Expenditures in any fiscal year, with the
     exception of fiscal year 2000, which exceeds  $5,000,000.00 in total amount
     for such year."

     4. Section 507 of the Loan Agreement is hereby amended  effective as of the
date hereof by deleting  subpart (e) thereof in its entirety and by substituting
in lieu thereof the following:

     "Borrower  shall not permit its Net Worth at any time after the date hereof
     to be less  than  $80,000,000  plus (i) 80% of the  positive  amount of net
     income of Borrower for each fiscal  quarter ending after such date and (ii)
     the amount of any  increase  in Net Worth  resulting  from the  issuance of
     stock, corporate reorganizations, recapitalizations or any similar event."

     5. The  Revolving  Note is  hereby  amended  by  deleting  in its  entirety
paragraph  (b) on  page 3  thereof  and by  substituting  in  lieu  thereof  the
following new paragraph (b):

     "(b) The  principal  balance of this Note shall be repayable in full on the
     Final Maturity Date (as defined in the Loan Agreement referred to below)."

     6. The effectiveness of this Modification is subject to:

     (a) the prior or concurrent  receipt by Lender of this  Modification,  duly
     executed by Borrower;

     (b) any  and all  guarantors  of the  Loans  shall  have  consented  to the
     execution,  delivery and  performance of this  Modification  and all of the
     transactions  contemplated  hereby by signing one or more  counterparts  of
     this  Modification in the  appropriate  space indicated below and returning
     same to Lender;

     (c) the prior or concurrent  receipt by Lender of a certificate of Borrower
     in the form of Exhibit A attached hereto;

     (d) the payment of all fees and expenses due from Borrower hereunder as set
     forth in Section 9 below; and

     (e)  the  truth  and  accuracy  in  all  material  respects  of  Borrower's
     representations and warranties in Section 8 below.

     7. Except as expressly modified herein,  each of the Loan Agreement and the
Revolving Note shall remain in full force and effect.  Nothing  contained herein
shall be deemed to be or operate as a novation or an accord and  satisfaction of
either the Loan Agreement or the Revolving Note or of any  indebtedness  arising
thereunder.

     8.  Borrower  hereby  represents  and  warrants  to  Lender  that  (a) this
Modification and the  supplemental  Financing  Documents  executed in connection
herewith  have been duly  authorized,  executed and  delivered by Borrower,  (b)
after  giving  effect to this  Modification,  no Default or Event of Default has
occurred and is  continuing  as of this date and (c) all of the  representations
and  warranties  made by Borrower in the Loan  Agreement are true and correct in
all material respects on and as of the date of this Modification  (except to the
extent  that any such  representations  or  warranties  expressly  referred to a
specific  prior  date).  Any  breach  by  Borrower  of its  representations  and
warranties  contained  in this  Section  shall be an Event  of  Default  for all
purposes of the Loan Agreement.

     9. Borrower further agrees to reimburse Lender for all reasonable  expenses
(including  without  limitation  attorney's  fees)  incurred  by  Lender  in the
negotiation,   documentation  or  consummation  of  this  Modification  and  the
transactions contemplated hereby.

     10. This  Modification  shall be governed and construed in accordance  with
the  laws of the  State of  Georgia  and this  Modification  shall  inure to the
benefit of and shall be binding  upon the  parties  hereto and their  respective
successors and permitted assigns.

     11. This  Modification  may be executed in multiple  counterparts,  each of
which  shall be deemed to be an  original  and all of which when taken  together
shall constitute one and the same instrument.

                [remainder of this page intentionally left blank]

    IN WITNESS WHEREOF, Lender has executed this Modification, and Borrower has
executed  this  Modification  and placed its seal hereon,  all as of the day and
year first above set forth.

                              LENDER:

                              BANK OF AMERICA, N.A.,

                              By:_____________________________________
                                    Vice President

                              BORROWER:

                              CRYOLIFE, INC.

                              By:_____________________________________
                              Name:___________________________________
                              Title:__________________________________

                                           (CORPORATE SEAL)
<PAGE>

                              CONSENT OF GUARANTOR

     All  capitalized  terms used herein and not otherwise  defined herein shall
have the  meanings  given  such terms in the Third  Amended  and  Restated  Loan
Agreement,  dated as of August 30, 1996, between CryoLife, Inc. ("Borrower") and
Bank of America, N.A., successor by merger to NationsBank,  N.A., formerly known
as NationsBank, N.A. (South) ("Lender"), as amended (the "Loan Agreement").

     The undersigned  acknowledges that it is indebted to Lender under the terms
of the  Guaranty  Agreement,  dated  as of  August  30,  1996,  executed  by the
undersigned  in favor of Lender (the  "Guaranty"),  and that the  Guaranty is in
full force and effect as of the date hereof,  has not been  amended,  rescinded,
revoked or terminated  by such party  through the date hereof,  and continues to
constitute  the  legal,   valid  and  binding   obligation  of  the  undersigned
enforceable   against  the  undersigned  in  accordance  with  its  terms.   The
undersigned hereby confirms and reaffirms all of its obligations and liabilities
to Lender under the Guaranty  and further  confirms and agrees that  pursuant to
the Guaranty,  the undersigned has guaranteed the payment and performance of the
Revolving  Note,  the  Additional  Term  Note and each  Hedge  Agreement  now or
hereafter  in effect,  and all  obligations,  liabilities  and  indebtedness  of
Borrower arising thereunder or evidenced thereby.

     The undersigned  also consents to and approves the execution,  delivery and
performance  of the Fourth  Modification  of Third  Amended  and  Restated  Loan
Agreement and First Modification of Revolving Note, dated as of the date hereof,
between Lender and Borrower (the "Fourth Modification") and all the transactions
contemplated  thereby.  The  undersigned  also  agrees  that  all  indebtedness,
obligations  and  liabilities  of Borrower to Lender  which may now or hereafter
arise under or by reason of the Loan  Agreement,  including  without  limitation
Borrower's  obligations  in  respect  of  Loans  advanced  pursuant  to the Loan
Agreement,  and all obligations  arising under any Hedge  Agreement,  constitute
part of the  obligations  of  Borrower  to Lender  which are  guaranteed  by the
undersigned under the terms and conditions of the Guaranty.

     SIGNED, SEALED AND DELIVERED as of the 31st day of December, 1999.

                                    CRYOLIFE INTERNATIONAL, INC.

                                    By:_____________________________________
                                    Name:___________________________________
                                    Title:__________________________________

                                                   (CORPORATE SEAL)

<PAGE>

                              CONSENT OF GUARANTOR

     All  capitalized  terms used herein and not otherwise  defined herein shall
have the  meanings  given  such terms in the Third  Amended  and  Restated  Loan
Agreement,  dated as of August 30, 1996, between CryoLife, Inc. ("Borrower") and
Bank of America, N.A., successor by merger to NationsBank,  N.A., formerly known
as NationsBank, N.A. (South) ("Lender"), as amended (the "Loan Agreement").

     The undersigned  acknowledges that it is indebted to Lender under the terms
of  the  Guaranty  Agreement,  dated  as of  April  14,  1997,  executed  by the
undersigned  in favor of Lender (the  "Guaranty"),  and that the  Guaranty is in
full force and effect as of the date hereof,  has not been  amended,  rescinded,
revoked or terminated  by such party  through the date hereof,  and continues to
constitute  the  legal,   valid  and  binding   obligation  of  the  undersigned
enforceable   against  the  undersigned  in  accordance  with  its  terms.   The
undersigned hereby confirms and reaffirms all of its obligations and liabilities
to Lender under the Guaranty  and further  confirms and agrees that  pursuant to
the Guaranty,  the undersigned has guaranteed the payment and performance of the
Revolving  Note,  the  Additional  Term  Note and each  Hedge  Agreement  now or
hereafter  in effect,  and all  obligations,  liabilities  and  indebtedness  of
Borrower arising thereunder or evidenced thereby.

     The undersigned  also consents to and approves the execution,  delivery and
performance  of the Fourth  Modification  of Third  Amended  and  Restated  Loan
Agreement and First Modification of Revolving Note, dated as of the date hereof,
between Lender and Borrower (the "Fourth Modification") and all the transactions
contemplated  thereby.  The  undersigned  also  agrees  that  all  indebtedness,
obligations  and  liabilities  of Borrower to Lender  which may now or hereafter
arise under or by reason of the Loan  Agreement,  including  without  limitation
Borrower's  obligations  in  respect  of  Loans  advanced  pursuant  to the Loan
Agreement,  and all obligations  arising under any Hedge  Agreement,  constitute
part of the  obligations  of  Borrower  to Lender  which are  guaranteed  by the
undersigned under the terms and conditions of the Guaranty.

     SIGNED, SEALED AND DELIVERED as of the 31st day of December, 1999.

                                     IDEAS FOR MEDICINE, INC.

                                     By:_____________________________________
                                     Name:___________________________________
                                     Title:__________________________________

                                                    (CORPORATE SEAL)

<PAGE>
                                    Exhibit A

                          CERTIFICATE OF CRYOLIFE, INC.

     The  undersigned  officers of CRYOLIFE,  INC. (the  "Borrower"),  a Florida
corporation,  hereby certify and covenant in their representative  capacities on
behalf of the Borrower as follows:

     1. The Borrower is a corporation  duly organized,  validly  existing and in
good  standing  under  the laws of the  State  of  Florida,  with all  requisite
corporate  power and authority to own,  operate and lease its  properties and to
carry  on  its  business,  and  is  duly  qualified  to  do  business  in  every
jurisdiction in which the property owned, leased or operated by it or the nature
of the business conducted by it makes such qualification necessary.

     2. The  resolutions  of the Directors of the Borrower  adopted as of August
28, 1996, March 27, 1997, December 19, 1997 and July 24, 1998, which resolutions
were previously  certified by officers of the Borrower as being true and correct
(the  "Resolutions"),  are in full force and  effect and have not been  amended,
altered or repealed as of the date hereof.  Signed  originals of the Resolutions
appear in the minute  book of the  Borrower.  The  Resolutions  were  adopted in
accordance with law and in accordance  with the By-Laws of the Borrower.  A true
and correct copy of the Borrower's  Articles of  Incorporation,  as in effect on
the date hereof, is attached hereto as Exhibit 1. A true and correct copy of the
Borrower's  By-Laws,  as in effect on the date  hereof,  is  attached  hereto as
Exhibit 2.

     3. The Borrower has duly authorized,  executed and delivered,  and approved
by all necessary  corporate action, the Fourth Modification of Third Amended and
Restated Loan Agreement and First Modification of Note, dated as of December 31,
1999,  by an  between  the  Borrower  and Bank of  America,  N.A.  (the  "Fourth
Modification"),  pursuant to, and in full compliance with,  authority granted by
the  Directors  of  the  Borrower  in  the  Resolutions.   The  Borrower  hereby
acknowledges  receipt of an executed  counterpart  or photocopy (as executed) of
the Fourth Modification.

     4. The  persons  named  below are on the date  hereof the duly  elected and
qualified  incumbents  of the  offices of the  Borrower  set forth below next to
their  respective  names,  and the  signatures  appearing  at the right of their
respective names below are the genuine signatures of such officers:

             Name and Title                                   Signature

Steven G. Anderson,    President and Chief Executive   _________________________
                       Officer

Edwin B. Cordell, Jr., Vice President and Chief        _________________________
                       Financial Officer

     5. The Borrower has the corporate power to execute the Fourth  Modification
and to perform the  obligations  required to be performed by the Borrower  under
the terms of the Fourth Modification.

     6. As of the date hereof,  and after  giving  effect to the  execution  and
delivery of the Fourth Modification,  each of the representations and warranties
of the Borrower in the Fourth  Modification  is true and correct in all material
respects  and no Default or Event of Default  (as such terms are  defined in the
Fourth  Modification or the Loan Agreement referred to therein) has occurred and
is continuing.

     7. The seal affixed to this certificate and the Fourth  Modification is the
legally adopted, proper and only official corporate seal of the Borrower.

     8. The Borrower's  chief  executive  office and principal place of business
(within   the   meaning  of   Official   Code  of  Georgia   Annotated   Section
11-9-401(1)(b)) is located in Cobb County,  Georgia and its principal  executive
office  (within the meaning of Section  6323(f) of the Internal  Revenue Code of
1986, as amended) is located in Cobb County, Georgia.

     9. The Borrower's federal taxpayer identification number is 59-2417093.

     IN WITNESS WHEREOF,  the undersigned have hereunto set their signatures and
the seal of the Borrower as of the 31st day of December, 1999.

                        ____________________________________________________
                        Steven G.  Anderson,  President and Chief  Executive
                        Officer of CryoLife, Inc.
(CORPORATE SEAL)

                        ____________________________________________________
                        Edwin B.  Cordell,  Jr.,  Vice  President  and Chief
                        Financial Officer of CryoLife, Inc.

<PAGE>

                                    EXHIBIT 1

                     See attached Articles of Incorporation

<PAGE>

                                    EXHIBIT 2

                              See attached By-Laws

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