Document:

FOURTH AMENDMENT TO CREDIT AGREEMENT AND CONSENT

     This Amendment and Consent (the "Amendment and Consent") dated as of March
31, 2000, is between Bank of America, N.A. (the "Bank"), formerly known as Bank
of America National Trust and Savings Association, and U.S. Home & Garden Inc.
(the "Borrower").

                                    RECITALS

     A. The Bank and the Borrower entered into a certain Credit Agreement dated
as of October 13, 1998, as previously amended (the "Agreement").

     B. The Borrower desires to acquire findplants.com, a California
corporation, for a total consideration of $400,000. Immediately thereafter, the
Borrower desires to merge the acquired company into the Subsidiary, E-Garden.
The Borrower has requested the Bank to grant its prior written approval of the
Acquisition as required under Section 7.4(d)(ii) of the Agreement and to agree
that the Acquisition is not required to comply with the conditions set forth in
Sections 7.4(d)(iv), 7.4(d)(vii), and 7.4(d)(viii) of the Agreement.

     C. The Bank and the Borrower also desire to further amend the Agreement.

                                   AGREEMENT

     1. Definitions. Capitalized terms used but not defined in this Amendment
and Consent shall have the meaning given to them in the Agreement.

     2. Amendment. The Agreement is hereby amended as follows:

          2.1 In Section 1.1, the definition of Revolving Termination Date is
     amended by substituting the date "September 30, 2001" for the date "October
     15, 2001."

          2.2 A new Section 2.7(bb) is inserted between Sections 2.7(b) and
     2.7(c), and it reads in its entirety as follows:

               (bb) $1,000,000 Prepayments. The Borrower shall prepay the
          Facility 1 Loans in three equal principal installments of $1,000,000
          on September 30, 2000, December 31, 2000, and June 30, 2001.

          2.3 Section 2.8(a) is amended to read in its entirety as follows:

               (a) Facility 1 Loans. The Borrower shall repay the following
          percentages of the total of the Facility 1 Loans outstanding on the
          Revolving Termination Date on the following dates (each a "Principal
          Payment Date"):

               Year       March 31       June 30     September 30    December 31

                2001                                     7.50%          7.50%
                2002        7.50%         7.50%          7.50%          7.50%
                2003        7.50%         7.50%         10.00%         10.00%
                2004       10.00%        10.00%

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          And on June 30, 2004, the entire remaining balance of the Facility 1
          Loans and all accrued interest thereon shall be immediately due and
          payable.

          2.4 In Section 7.4(d), clause (v) is amended to read in its entirety
     as follows:

          (v) after giving effect to the Acquisition (and any financing related
          thereto), the pro forma Leverage Ratio is less than 4.50 to 1.00 and
          the Borrower and its Subsidiaries are otherwise in pro forma covenant
          compliance with Section 7.18,

          2.5 In Section 7.4(h), the amount "$2,947,235" is substituted for the
     amount "$10,000,000."

          2.6 Section 7.11(d) is amended to read in its entirety as follows:

               (d) purchase, redeem or otherwise acquire Trust Preferred
          Securities, shares of its capital stock or warrants, rights or options
          to acquire any shares of its capital stock for cash (i) in an
          aggregate amount for all such payments after the Closing Date
          (excluding payments for Trust Preferred Securities) not exceeding
          $6,074,000 and (ii) with respect to Trust Preferred Securities, in an
          aggregate amount not exceeding $1,000,000 for all such payments after
          the Closing Date; provided that immediately after giving effect to
          such proposed action, no Default would exist, and provided further
          that payments for Trust Preferred Securities must be made with the
          Borrower's own cash and not with the proceeds of Facility 1 Loans.

          2.7 Section 7.18 is amended to read in its entirety as follows:

               7.18 Financial Covenants.

               (a) Interest Coverage Ratio. The Borrower shall not permit the
          Interest Coverage Ratio for any four fiscal quarter period (on a
          rolling four quarter basis) to be less than (i) 1.50 to 1.00 for the
          four fiscal quarter period ending on March 31, 2000, (ii) 1.75 to 1.00
          for the four fiscal quarter periods ending on June 30, 2000, September
          30, 2000, and December 31, 2000, and (iii) 2.00 to 1.00 for any four
          fiscal quarter period ending after December 31, 2000.

               (b) Leverage Ratio. The Borrower shall not permit the Leverage
          Ratio for any four fiscal quarter period (on a rolling four quarter
          basis) to exceed (i) 7.75 to 1.00 for the four fiscal quarter period
          ending on March 31, 2000, (ii) 5.25 to 1.00 for the four fiscal
          quarter period ending on June 30, 2000, (iii) 5.00 to 1.00 for the
          four fiscal quarter periods ending on September 30, 2000, December 31,
          2000, and March 31, 2001, (iv) 4.50 to 1.00 for the four fiscal
          quarter periods ending on June 30, 2001, September 30, 2001, and
          December 31, 2001, (v) 4.75 to 1.00 for the four fiscal quarter period
          ending on March 31, 2002, and (vi) 4.00 to 1.00 for any four fiscal
          quarter period ending after March 31, 2002, except for the four fiscal
          quarter periods ending on March 31, 2003, and March 31, 2004,
          respectively, for which the Leverage Ratio may not exceed 4.25 to
          1.00.

               (c) Fixed Charge Coverage Ratio. The Borrower shall not permit
          the Fixed Charge Coverage Ratio to be less than (i) 1.10 to 1.00 for
          the four

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fiscal quarter  period ending on March 31, 2000,  (ii) 1.50 to 1.00 for the four
fiscal quarter periods (on a rolling four quarter basis) ending on or after June
30, 2000,  and on or before March 31, 2002,  except for the four fiscal  quarter
period ending on December 31, 2000,  for which the Fixed Charge  Coverage  Ratio
may not be less than 1.35 to 1.00,  and (iii)  1.25 to 1.00 for any four  fiscal
quarter period (on a rolling four quarter basis) ending after March 31, 2002.

               (d) Consolidated EBITDA. The Borrower shall not permit
          Consolidated EBITDA (Ampro Adjusted) to be less than the following
          amounts for the four fiscal quarter periods (on a rolling four quarter
          basis) ending on the following dates:

                 Amount                          Date
                 ------                          ----
              $12,000,000                     March 31, 2000
              $15,000,000                     June 30, 2000
              $15,000,000                     September 30, 2000
              $15,000,000                     December 31, 2000
              $16,000,000                     March 31, 2001
              $16,000,000                     June 30, 2001
              $16,000,000                     September 30, 2001
              $16,000,000                     December 31, 2001
              $17,000,000                     March 31, 2002
              $17,000,000                     June 30, 2002
              $17,000,000                     September 30, 2002
              $17,000,000                     December 31, 2002
              $17,500,000                     March 31, 2003
              $17,500,000                     June 30, 2003
              $17,500,000                     September 30, 2003
              $17,500,000                     December 31, 2003
              $18,000,000                     March 31, 2004
              $18,000,000                     June 30, 2004
              $18,000,000                     September 30, 2004

     3. Consent. The Bank hereby consents to the Acquisition described in
Recital B of this Amendment and Consent and hereby agrees that the Acquisition
is not required to comply with the conditions referred to in Recital B of this
Amendment and Consent.

     4. Representations and Warranties. When the Borrower signs this Amendment
and Consent, the Borrower represents and warrants to the Bank that:

          4.1 No Default or Event of Default has occurred or is continuing under
     the Agreement except those Defaults or Events of Default, if any, that have
     been disclosed in writing to the Bank or waived in writing by the Bank.

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          4.2 The representations and warranties in the Agreement are true as of
     the date of this Amendment and Consent as if made on the date of this
     Amendment and Consent except to the extent such representations and
     warranties expressly refer to an earlier date, in which case they are true
     and correct as of such earlier date.

          4.3 The execution, delivery and performance by the Borrower of this
     Amendment and Consent have been duly authorized by all necessary corporate
     and other action and do not and will not require any registration with,
     consent or approval of, notice to or action by, any Person (including any
     Governmental Authority) in order to be effective and enforceable. The
     Agreement as amended by this Amendment and Consent constitutes the legal,
     valid and binding obligations of the Borrower, enforceable against it in
     accordance with its respective terms, except as enforceability may be
     limited by applicable bankruptcy, insolvency, or similar laws affecting the
     enforcement of creditors' rights generally or by equitable principles
     relating to enforceability.

     5. Effective Date. Provided that the Bank has received from the Borrower a
duly executed original of this Amendment and Consent, this Amendment and Consent
will be deemed effective as of March 31, 2000.

     6. Reservation of Rights. The Borrower acknowledges and agrees that the
execution by the Bank of this Amendment and Consent shall not be deemed to
create a course of dealing or otherwise obligate the Bank to execute similar
consents under the same or similar circumstances in the future.

     7. Miscellaneous.

          7.1 Except as herein expressly amended, all terms, covenants and
     provisions of the Agreement are and shall remain in full force and effect
     and all references therein and in the other Loan Documents to the Agreement
     shall henceforth refer to the Agreement as amended by this Amendment and
     Consent. This Amendment and Consent shall be deemed incorporated into, and
     a part of, the Agreement. This Amendment and Consent is a Loan Document.

          7.2 This Amendment and Consent shall be binding upon and inure to the
     benefit of the parties hereto and to the Agreement and their respective
     successors and assigns. No third party beneficiaries are intended in
     connection with this Amendment and Consent.

          7.3 This Amendment and Consent shall be governed by and construed in
     accordance with the law of the State of California.

          7.4 This Amendment and Consent may be executed in any number of
     counterparts, each of which shall be deemed an original, but all such
     counterparts together shall constitute but one and the same instrument.
     Each of the parties hereto understands and agrees that this document (and
     any other document required herein) may be delivered by any party thereto
     either in the form of an executed original or an executed original sent by
     facsimile transmission to be followed promptly by mailing of a hard copy
     original, and that receipt by the Bank of a facsimile transmitted document
     purportedly bearing the signature of the Borrower shall bind the Borrower
     with the same force and effect as the delivery of a hard copy original. Any
     failure by the Bank to

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     receive the hard copy executed original of such document shall not
     diminish the binding effect of receipt of the facsimile transmitted
     executed original of such document.

     This  Amendment  and  Consent  is  executed  as of the date  stated  at the
     beginning of this Amendment and Consent.

                                   Bank of America, N.A.

                                   By    /s/ Michelle Mojabi
                                         ---------------------------------------

                                   Title Vice President
                                         ---------------------------------------

                                   By
                                         ---------------------------------------

                                   Title
                                         ---------------------------------------

                                   U.S. Home & Garden Inc.

                                   By    /s/ Lynda Gustafson
                                         ---------------------------------------

                                   Title V.P. Finance
                                         ---------------------------------------

                                   By
                                         ---------------------------------------

                                   Title
                                         ---------------------------------------<PAGE>   1

                                                                   EXHIBIT 10.16

                            SECURED PROMISSORY NOTE

$2,600,000.00                                                      April 6, 2000
                                                           Palo Alto, California

        This Secured Promissory Note is made between the undersigned Clive
Harrison ("Maker") at his address 51 La Honda Ct., Clayton, CA 94517 and
Informatica Corporation, a Delaware corporation (the "Company") at its address
3350 West Bayshore Road. Palo Alto, California 94303. Maker, for value received,
promises to pay to the Company the principal sum of $2,600,000.00 with interest
from the date hereof at a rate of 6.27% per annum, compounded semiannually on
the unpaid balance of such principal sum.

        Such principal and interest shall be due and payable within thirty (30)
days upon the earlier of (i) the date of termination for any reason, with or
without cause, of Maker's employment with the Company as a full-time employee
and (ii) June 30, 2000; provided however, that no interest shall be due if
Maker remains continuously employed as a full-time employee of the Company from
the date hereof through June 30, 2000.

        Interest shall be computed on the basis of a year of 360 days. All
amounts payable under this Note are payable in lawful money of the United
States, without notice, demand, offset or deduction. For purposes of interest
accrual, checks will constitute payment upon receipt.

        This is the Secured Promissory Note referred to in the Security
Agreement of even date herewith between Maker and the Company, and the Company
is entitled to all the benefits provided therein.

        Should the undersigned fail to make full payment of any installment of
principal or interest for a period of 10 days or more after the due date
thereof, the whole unpaid balance on this Note of principal and interest shall
become immediately due at the option of the holder of this Note. Payments of
principal and interest shall be made in lawful money of the United States of
America.

        Maker promises to pay on demand all reasonable out-of-pocket costs of
and expenses of the Company in connection with the collection of amounts due
hereunder, including, without limitation, attorneys' fees incurred in connection
therewith, whether or not any lawsuit is ever filed with respect thereto.

        Maker and any endorsers or guarantors of this Note for themselves, their
heirs, legal representatives, successors and assigns, respectively, severally
waive diligence, presentment, protest and demand and also notice of protest,
demand, dishonor and nonpayment of this Note.

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<PAGE>   2

        This Note shall inure to the benefit of the Company and its successors
and assigns. The obligations of Maker hereunder shall not be assignable without
the consent of the Company.

        This Note shall be governed by and construed in accordance with the laws
of the State of California. If there is a lawsuit on this Note, the parties
agree to submit to the jurisdiction of the courts of Santa Clara County,
California.

        IN WITNESS WHEREOF, the undersigned has executed and delivered this Note
as of the date first above written.

                                            MAKER

                                            ------------------------------------

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