Document:

<PAGE>

                THIRD AMENDED AND RESTATED REVOLVING CREDIT NOTE

$14,000,000.00                                                SEPTEMBER 20, 2001

        FOR VALUE RECEIVED, the undersigned, THE TRIZETTO GROUP, INC., a
Delaware corporation ("TriZetto"), CREATIVE BUSINESS SOLUTIONS, INC., a Texas
corporation ("CBS"); FINSERV HEALTH CARE SYSTEMS, INC., a New York corporation
("Finserv"); HEALTHCARE MEDIA ENTERPRISES, INC., a Delaware corporation ("HME");
HEALTHWEB, INC., a Delaware corporation ("HealthWeb"); MARGOLIS HEALTH
ENTERPRISES, INC., a California corporation ("Margolis"); NOVALIS Corporation, a
Delaware corporation ("Novalis"); TRIZETTO APPLICATION SERVICES, INC., a
Colorado corporation ("TriZetto Application"); DIGITAL INSURANCE SYSTEMS
CORPORATION, an Ohio corporation ("Digital"); HEALTH NETWORKS OF AMERICA, INC.,
a Maryland corporation ("Health Networks"); NOVALIS DEVELOPMENT CORPORATION, a
Delaware corporation ("Novalis Development"); NOVALIS DEVELOPMENT & LICENSING
CORPORATION, an Indiana corporation ("Novalis Licensing"); NOVALIS SERVICES
CORPORATION, a Delaware corporation ("Novalis Services" and, together with
TriZetto, CBS, Finserv, HME, HealthWeb, Margolis, Novalis, TriZetto Application,
Digital, Health Networks, Novalis Development and Novalis Licensing, the
"Original Borrower"), ERISCO, INC., a New York corporation ("Erisco"), RESOURCE
INFORMATION MANAGEMENT SYSTEMS, INC., an Illinois corporation ("RIMS"), WINTHROP
FINANCIAL GROUP, INC., an Illinois corporation ("Winthrop"), OPTION SERVICES
GROUP, INC., an Illinois corporation ("Option Services" and, collectively with
Erisco, RIMS and Winthtrop, "Additional Borrower") and INFOTRUST COMPANY, an
Illinois corporation ("New Borrower" and, collectively with Original Borrower
and Additional Borrower, the "Borrower"), jointly and severally, promise to pay,
in lawful money of the United States, to the order of HELLER HEALTHCARE FINANCE,
INC., a Delaware corporation (together with its successors and assigns,
"Lender"), the principal sum of FOURTEEN MILLION AND NO/100 DOLLARS
($14,000,000.00), or so much of such principal sum as shall be advanced or
readvanced and shall remain unpaid under the Loan established pursuant to that
certain Loan and Security Agreement dated as of September 11, 2000 by and among
Original Borrower, Healthcare Media Private Limited, an India company and
subsidiary of HME ("HMP") and Lender (as amended by that certain Amendment No. 1
to Loan and Security Agreement dated as of October 17, 2000 by and among
Original Borrower, HMP, Erisco and Lender, by that certain Amendment No. 2 to
Loan and Security Agreement dated as of December 28, 2000 by and among Original
Borrower, Additional Borrower, Principal Financial Associates, Inc. and Lender,
and by that certain Amendment No. 3 to Loan and Security Agreement dated of even
date herewith by and among Original Borrower, Additional Borrower and New
Borrower, and as it may be further amended, modified, restated or replaced from
time to time, the "Loan Agreement"), plus interest on the unpaid balance
thereof, computed on a 360-day basis, at the rate per annum that is set forth in
the Loan Agreement. This Note

                                       1
<PAGE>

amends, restates and replaces in its entirety the Revolving Credit Note dated
September 11, 2000, the Amended and Restated Revolving Credit Note dated October
17, 2000 and the Second Amended and Restated Revolving Credit Note dated
December 28, 2000, each previously executed and delivered by Borrower and made
payable to Lender.

        1.     All capitalized terms used and not otherwise specifically defined
in this Revolving Credit Note (as amended, modified, restated or replaced from
time to time, the "Note") shall have the meanings given to them in the Loan
Agreement.

        2.     This Note shall evidence the undersigned's obligation to repay
all sums advanced by Lender from time to time under the Loan Agreement and as
part of the Loan. The actual amount due and owing from time to time under this
Note shall be evidenced by Lender's records of receipts and disbursements with
respect to the Loan, which shall be conclusive evidence of that amount, absent
manifest error.

        3.     Interest due pursuant to this Note shall be payable monthly, in
arrears, on the first Business Day of each month after the date of this Note
(for the previous month). For purposes of this Note, a "Business Day" shall mean
any day on which banks are open for business in Maryland, excluding Saturdays
and Sundays.

        4.     This Note shall become due and payable upon the earlier to occur
of (a) the expiration of the Term, or (b) the occurrence of any Event of Default
under the Loan Agreement, or any other event under any other Loan Documents
which would result in this Note becoming due and payable. At such time, the
entire principal balance of this Note and all other fees, costs and expenses, if
any, shall be due and payable in full. Lender shall then have the option at any
time and from time to time to exercise all of the rights and remedies set forth
in this Note and in the other Loan Documents, as well as all rights and remedies
otherwise available to Lender at law or in equity, to collect the unpaid
indebtedness under this Note and the other Loan Documents. This Note is secured
by the Collateral, as defined in and described in the Loan Agreement.

        5.     Whenever any principal and/or interest and/or fee under this Note
shall not be paid when due, whether at the stated maturity or by acceleration,
interest on such unpaid amounts shall thereafter be payable at a rate per annum
equal to five (5) percentage points above the stated rate of interest on this
Note until such amounts shall be paid.

        6.     The undersigned and Lender intend to conform strictly to the
applicable usury laws in effect from time to time during the term of the Loan.
Accordingly, if any transaction contemplated by the Loan Agreement or this Note
would be usurious under such laws, then notwithstanding any other provision
hereof: (a) the aggregate of all interest that is contracted for, charged, or
received under this Note or under any other Loan Document shall not exceed the
maximum amount of interest allowed by applicable law, and any excess shall be
promptly credited to the undersigned by Lender (or, to the extent that such
consideration shall have been paid, such excess shall be promptly refunded to
the undersigned by Lender); (b) neither the

                                       2
<PAGE>

undersigned nor any other Person (as defined in the Loan Agreement) now or
hereafter liable hereunder shall be obligated to pay the amount of such interest
to the extent that it is in excess of the maximum interest permitted by
applicable law; and (c) the effective rate of interest shall be reduced to the
Highest Lawful Rate (as defined in the Loan Agreement). All sums paid, or agreed
to be paid, to Lender for the use, forbearance, and detention of the debt of
Borrower to Lender shall, to the extent permitted by applicable law, be
allocated throughout the full term of this Note until payment is made in full so
that the actual rate of interest does not exceed the Highest Lawful Rate in
effect at any particular time during the full term thereof. If at any time the
rate of interest under this Note exceeds the Highest Lawful Rate, the rate of
interest to accrue pursuant to this Note shall be limited, notwithstanding
anything to the contrary in this Note, to the Highest Lawful Rate, but any
subsequent reductions in the Base Rate shall not reduce the interest to accrue
pursuant to this Note below the Highest Lawful Rate until the total amount of
interest accrued equals the amount of interest that would have accrued if a
varying rate per annum equal to the interest rate under the Note had at all
times been in effect. If the total amount of interest paid or accrued pursuant
to this Note under the foregoing provisions is less than the total amount of
interest that would have accrued if a varying rate per annum equal to the
interest rate under this Note had been in effect, then the undersigned agrees to
pay to Lender an amount equal to the difference between (x) the lesser of (A)
the amount of interest that would have accrued if the Highest Lawful Rate had at
all times been in effect, or (B) the amount of interest that would have accrued
if a varying rate per annum equal to the interest rate under the Note had at all
times been in effect, and (y) the amount of interest accrued in accordance with
the other provisions of this Note and the Loan Agreement.

        7.     This Note is the "Note" referred to in the Loan Agreement, and is
issued pursuant to the Loan Agreement. Reference is made to the Loan Agreement
for a statement of the additional rights and obligations of the undersigned and
Lender. In the event of any conflict between the terms of this Note and the
terms of the Loan Agreement, the terms of the Loan Agreement shall prevail. All
of the terms, covenants, provisions, conditions, stipulations, promises and
agreements contained in the Loan Documents to be kept, observed and/or performed
by the undersigned are made a part of this Note and are incorporated into this
Note by this reference to the same extent and with the same force and effect as
if they were fully set forth in this Note; the undersigned promises and agrees
to keep, observe and perform them or cause them to be kept, observed and
performed, strictly in accordance with the terms and provisions thereof.

        8.     Each party liable on this Note in any capacity, whether as maker,
endorser, surety, guarantor or otherwise, (a) waives presentment for payment,
demand, protest and notice of presentment, notice of protest, notice of
non-payment and notice of dishonor of this debt and each and every other notice
of any kind respecting this Note and all lack of diligence or delays in
collection or enforcement hereof; (b) agrees that Lender at any time or times,
without notice to the undersigned or its consent, may grant extensions of time,
without limit as to the number of the aggregate period of such extensions, for
the payment of any principal, interest or other sums due hereunder; (c) to the
extent permitted by law, waives all exemptions under the laws of the State of
Maryland and/or any state or territory of the United States; (d) to the extent
permitted by

                                       3
<PAGE>
law, waives the benefit of any law or rule of law intended for its advantage or
protection as an obligor under this Note or providing for its release or
discharge from liability on this Note, in whole or in part, on account of any
facts or circumstances other than full and complete payment of all amounts due
under this Note; and (e) agrees to pay, in addition to all other sums of money
due, all cost of collection and attorney's fees, whether suit be brought or not,
if this Note is not paid in full when due, whether at the stated maturity or by
acceleration.

        9.     No waiver by Lender of any one or more defaults by the
undersigned in the performance of any of its obligations under this Note shall
operate or be construed as a waiver of any future default or defaults, whether
of a like or different nature. No failure or delay on the part of Lender in
exercising any right, power or remedy under this Note (including, without
limitation, the right to declare this Note due and payable) shall operate as a
waiver of such right, power or remedy nor shall any single or partial exercise
of any such right, power or remedy preclude any other or further exercise of
such right, power or remedy or the exercise of any other right, power or remedy.

        10.    If any term, provision, covenant or condition of this Note or the
application of any term, provision, covenant or condition of this Note to any
party or circumstance shall be found by a court of competent jurisdiction to be,
to any extent, invalid or unenforceable, then the remainder of this Note and the
application of such term, provision, covenant, or condition to parties or
circumstances other than those as to which it is held invalid or unenforceable,
shall not be affected thereby, and each term, provision, covenant or condition
shall be valid and enforced to the fullest extent permitted by law. Upon
determination that any such term, provision, covenant or condition is invalid,
illegal or unenforceable, Lender may, but is not obligated to, advance funds to
Borrower under this Note until Borrower and Lender amend this Note so as to
effect the original intent of the parties as closely as possible in a valid and
enforceable manner.

        11.    No amendment, supplement or modification of this Note nor any
waiver of any provision of this Note shall be made except in writing executed by
the party against whom enforcement is sought.

        12.    This Note shall be binding upon the undersigned and its
successors and assigns. Notwithstanding the foregoing, the undersigned may not
assign any of its rights or delegate any of its obligations under this Note
without the prior written consent of Lender, which may be withheld in its sole
discretion.

        13.    Each entity constituting Borrower shall be jointly and severally
liable for all of the obligations of Borrower under this Note.

        14.    THIS NOTE IS TO BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH
THE LAWS OF THE STATE OF MARYLAND WITHOUT RESPECT TO ANY OTHERWISE APPLICABLE
CONFLICTS-OF-LAWS PRINCIPLES, BOTH AS TO INTERPRETATION AND PERFORMANCE, AND THE
PARTIES EXPRESSLY CONSENT AND AGREE TO THE NON-EXCLUSIVE

                                       4
<PAGE>

JURISDICTION OF THE COURTS OF THE STATE OF MARYLAND AND THE UNITED STATES
DISTRICT COURT FOR THE DISTRICT OF MARYLAND AND TO THE LAYING OF VENUE IN THE
STATE OF MARYLAND, WAIVING ALL CLAIMS OR DEFENSES BASED ON LACK OF PERSONAL
JURISDICTION, IMPROPER VENUE, INCONVENIENT FORUM OR THE LIKE. BORROWER HEREBY
CONSENTS TO SERVICE OF PROCESS BY MAILING A COPY OF THE SUMMONS TO BORROWER, BY
CERTIFIED OR REGISTERED MAIL, POSTAGE PREPAID, TO BORROWER'S ADDRESS SET FORTH
IN SECTION 9.4 OF THE LOAN AGREEMENT. BORROWER FURTHER WAIVES ANY CLAIM FOR
CONSEQUENTIAL DAMAGES IN RESPECT OF ANY ACTION TAKEN OR OMITTED TO BE TAKEN BY
LENDER IN GOOD FAITH.

        15.    IN ANY LITIGATION, TRIAL, ARBITRATION OR OTHER DISPUTE RESOLUTION
PROCEEDING RELATING TO THIS AGREEMENT OR ANY OF THE OTHER LOAN DOCUMENTS, ALL
DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS OF BORROWER OR OF ITS AFFILIATES SHALL
BE DEEMED TO BE EMPLOYEES OR MANAGING AGENTS OF BORROWER FOR PURPOSES OF ALL
APPLICABLE LAW OR COURT RULES REGARDING THE PRODUCTION OF WITNESSES BY NOTICE
FOR TESTIMONY (WHETHER IN A DEPOSITION, AT TRIAL OR OTHERWISE). BORROWER AGREES
THAT LENDER'S COUNSEL IN ANY SUCH DISPUTE RESOLUTION PROCEEDING MAY EXAMINE ANY
OF THESE INDIVIDUALS AS IF UNDER CROSS-EXAMINATION AND THAT ANY DISCOVERY
DEPOSITION OF ANY OF THEM MAY BE USED IN THAT PROCEEDING AS IF IT WERE AN
EVIDENCE DEPOSITION. BORROWER IN ANY EVENT WILL USE ALL COMMERCIALLY REASONABLE
EFFORTS TO PRODUCE IN ANY SUCH DISPUTE RESOLUTION PROCEEDING, AT THE TIME AND IN
THE MANNER REQUESTED BY LENDER, ALL PERSONS, DOCUMENTS (WHETHER IN TANGIBLE,
ELECTRONIC OR OTHER FORM) OR OTHER THINGS UNDER ITS CONTROL AND RELATING TO THE
DISPUTE IN ANY JURISDICTION THAT RECOGNIZES THAT (OR ANY SIMILAR) DISTINCTION.

        16.    THE UNDERSIGNED HEREBY (A) COVENANTS AND AGREES NOT TO ELECT A
TRIAL BY JURY OF ANY ISSUE TRIABLE OF RIGHT BY A JURY, AND (B) WAIVES ANY RIGHT
TO TRIAL BY JURY FULLY TO THE EXTENT THAT ANY SUCH RIGHT SHALL NOW OR HEREAFTER
EXIST. THIS WAIVER OF RIGHT TO TRIAL BY JURY IS GIVEN KNOWINGLY AND VOLUNTARILY
BY THE UNDERSIGNED, AND THIS WAIVER IS INTENDED TO ENCOMPASS INDIVIDUALLY EACH
INSTANCE AND EACH ISSUE AS TO WHICH THE RIGHT TO A JURY TRIAL WOULD OTHERWISE
ACCRUE. LENDER IS HEREBY AUTHORIZED AND REQUESTED TO SUBMIT THIS NOTE TO ANY
COURT HAVING JURISDICTION OVER THE SUBJECT MATTER AND THE PARTIES HERETO, SO AS
TO SERVE AS CONCLUSIVE EVIDENCE OF THE UNDERSIGNED'S WAIVER OF THE RIGHT TO JURY
TRIAL. FURTHER, THE UNDERSIGNED HEREBY CERTIFIES THAT NO REPRESENTATIVE OR AGENT
OF LENDER (INCLUDING LENDER'S COUNSEL) HAS REPRESENTED, EXPRESSLY OR OTHERWISE,
TO ANY BORROWER THAT LENDER WILL NOT SEEK TO ENFORCE THIS WAIVER OF RIGHT TO
JURY TRIAL PROVISION.

                                       5
<PAGE>

        17.    THE UNDERSIGNED HEREBY AUTHORIZES ANY ATTORNEY ADMITTED TO
PRACTICE BEFORE ANY COURT OF RECORD IN THE UNITED STATES OR THE CLERK OF SUCH
COURT TO APPEAR ON BEHALF OF THE UNDERSIGNED IN ANY COURT IN ONE OR MORE
PROCEEDINGS, OR BEFORE ANY CLERK THEREOF OF PROTHONOTARY OR OTHER COURT
OFFICIAL, AND TO CONFESS JUDGMENT AGAINST THE UNDERSIGNED IN FAVOR OF LENDER IN
THE FULL AMOUNT DUE ON THIS NOTE (INCLUDING PRINCIPAL, ACCRUED INTEREST AND ANY
AND ALL CHARGES, FEES AND COSTS) PLUS ATTORNEYS' FEES EQUAL TO FIFTEEN PERCENT
(15%) OF THE AMOUNT DUE, PLUS COURT COSTS, ALL WITHOUT PRIOR NOTICE OR
OPPORTUNITY OF BORROWER FOR PRIOR HEARING. NOTWITHSTANDING ANY OTHER PROVISIONS
OF THIS SECTION, THE LENDER ACKNOWLEDGES THAT ATTORNEYS' FEES ARE STATED TO BE
FIFTEEN PERCENT (15%) SOLELY FOR PURPOSES OF FIXING A SUM CERTAIN FOR WHICH
JUDGEMENT CAN BE ENTERED BY CONFESSION; AND THE LENDER AGREES THAT IN ENFORCING
ANY JUDGEMENT BY CONFESSION, LENDER SHALL NOT DEMAND, SOLELY WITH RESPECT TO
ATTORNEYS' FEES INCURRED BY THE LENDER IN CONNECTION WITH SUCH INDEBTEDNESS
AFTER SUCH JUDGEMENT IS RENDERED, ANY AMOUNTS IN EXCESS OF THE ACTUAL AMOUNT OF
ATTORNEYS' FEES CHARGED OR BILLED TO THE LENDER (WHICH ATTORNEYS' FEES SHALL BE
CHARGED OR BILLED TO THE LENDER AT THE STANDARD HOURLY RATES). THE UNDERSIGNED
AGREES AND CONSENTS THAT VENUE AND JURISDICTION SHALL BE PROPER IN THE CIRCUIT
COURT OF ANY COUNTY OF THE STATE OF MARYLAND OR OF BALTIMORE CITY, MARYLAND, OR
IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND. THE
UNDERSIGNED WAIVES THE BENEFIT OF ANY AND EVERY STATUTE, ORDINANCE, OR RULE OF
COURT WHICH MAY BE LAWFULLY WAIVED CONFERRING UPON BORROWER ANY RIGHT OR
PRIVILEGE OF EXEMPTION, HOMESTEAD RIGHTS, STAY OF EXECUTION, OR SUPPLEMENTARY
PROCEEDINGS, OR OTHER RELIEF FROM THE ENFORCEMENT OR IMMEDIATE ENFORCEMENT OF A
JUDGMENT OR RELATED PROCEEDINGS ON A JUDGMENT. THE AUTHORITY AND POWER TO APPEAR
FOR AND ENTER JUDGMENT AGAINST THE UNDERSIGNED SHALL NOT BE EXHAUSTED BY ONE OR
MORE EXERCISES THEREOF, OR BY ANY IMPERFECT EXERCISE THEREOF, AND SHALL NOT BE
EXTINGUISHED BY ANY JUDGMENT ENTERED PURSUANT THERETO; SUCH AUTHORITY AND POWER
MAY BE EXERCISED ON ONE OR MORE OCCASIONS FROM TIME TO TIME, IN THE SAME OR
DIFFERENT JURISDICTIONS, AS OFTEN AS LENDER SHALL DEEM NECESSARY, CONVENIENT, OR
PROPER.

                               [SIGNATURES FOLLOW]

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<PAGE>

        IN WITNESS WHEREOF, the undersigned have executed this Third Amended and
Restated Revolving Credit Note as of the date first above written.

                                        BORROWER:

                                        THE TRIZETTO GROUP, INC.,
                                        a Delaware corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        CREATIVE BUSINESS SOLUTIONS, INC.,
                                        a Texas corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        FINSERV HEALTH CARE SYSTEMS, INC.,
                                        a New York corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       7
<PAGE>

                                        HEALTHCARE MEDIA ENTERPRISES, INC.,
                                        a Delaware corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        HEALTHWEB, INC., a Delaware corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        MARGOLIS HEALTH ENTERPRISES, INC.,
                                        a California corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        NOVALIS CORPORATION,
                                        a Delaware corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       8
<PAGE>

                                        TRIZETTO APPLICATION SERVICES, INC.,
                                        a Colorado corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        DIGITAL INSURANCE SYSTEMS CORPORATION,
                                        an Ohio corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        HEALTH NETWORKS OF AMERICA, INC.,
                                        a Maryland corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        NOVALIS DEVELOPMENT CORPORATION,
                                        a Delaware corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       9
<PAGE>

                                        NOVALIS DEVELOPMENT & LICENSING
                                        CORPORATION, an Indiana corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        NOVALIS SERVICES CORPORATION,
                                        a Delaware corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        ERISCO, INC., a New York corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        RESOURCE INFORMATION
                                        MANAGEMENT SYSTEMS, INC.,
                                        an Illinois corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       10
<PAGE>

                                        WINTHROP FINANCIAL GROUP, INC.,
                                        an Illinois corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        OPTION SERVICES GROUP, INC., an
                                        Illinois corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                        INFOTRUST COMPANY,
                                        an Illinois corporation

                                        By:
                                            ------------------------------------
                                        Name:  Michael J. Sunderland
                                        Title: Chief Financial Officer/Secretary

                                       11<PAGE>

                                 $14,000,000.00

                                 AMENDMENT NO. 3

                                       TO

                           LOAN AND SECURITY AGREEMENT

                    originally dated as of September 11, 2000

                                  by and among

                            THE TRIZETTO GROUP, INC.
                        CREATIVE BUSINESS SOLUTIONS, INC.
                        FINSERV HEALTH CARE SYSTEMS, INC.
                       HEALTHCARE MEDIA ENTERPRISES, INC.
                                 HEALTHWEB, INC.
                        MARGOLIS HEALTH ENTERPRISES, INC.
                               NOVALIS CORPORATION
                       TRIZETTO APPLICATION SERVICES, INC.
                      DIGITAL INSURANCE SYSTEMS CORPORATION
                        HEALTH NETWORKS OF AMERICA, INC.
                         NOVALIS DEVELOPMENT CORPORATION
                   NOVALIS DEVELOPMENT & LICENSING CORPORATION
                          NOVALIS SERVICES CORPORATION
                                  ERISCO, INC.
                  RESOURCE INFORMATION MANAGEMENT SYSTEMS, INC.
                         WINTHROP FINANCIAL GROUP, INC.
                           OPTION SERVICES GROUP, INC.
                                INFOTRUST COMPANY

                           (collectively, "Borrower")

                                       and

                         HELLER HEALTHCARE FINANCE, INC.

                                   ("Lender")

                        Amended as of September 20, 2001

<PAGE>

                 AMENDMENT NO.3 TO LOAN AND SECURITY AGREEMENT

        THIS AMENDMENT NO.3 TO LOAN AND SECURITY AGREEMENT (this "Amendment")
is made as of this 20th day of September, 2001, by and among THE TRIZETTO GROUP,
INC., a Delaware corporation ("TriZetto"), CREATIVE BUSINESS SOLUTIONS, INC., a
Texas corporation ("CBS"); FINSERV HEALTH CARE SYSTEMS, INC., a New York
corporation ("Finserv"); HEALTHCARE MEDIA ENTERPRISES, INC., a Delaware
corporation ("HME"); HEALTHWEB, INC., a Delaware corporation ("HealthWeb");
MARGOLIS HEALTH ENTERPRISES, INC., a California corporation ("Margolis");
NOVALIS CORPORATION, a Delaware corporation ("Novalis"); TRIZETTO APPLICATION
SERVICES, Inc., a Colorado corporation ("TriZetto Application"); DIGITAL
INSURANCE SYSTEMS CORPORATION, an Ohio corporation ("Digital"); HEALTH NETWORKS
OF AMERICA, INC., a Maryland corporation ("Health Networks"); NOVALIS
DEVELOPMENT CORPORATION, a Delaware corporation ("Novalis Development"); NOVALIS
DEVELOPMENT & LICENSING CORPORATION, an Indiana corporation ("Novalis
Licensing"); NOVALIS SERVICES CORPORATION, a Delaware corporation ("Novalis
Services" and, collectively with TriZetto, CBS, Finserv, HME, HealthWeb,
Margolis, Novalis, TriZetto Application, Digital, Health Networks, Novalis
Development and Novalis Licensing, the "Original Borrower"), ERISCO, INC., a New
York corporation ("Erisco"), RESOURCE INFORMATION MANAGEMENT SYSTEMS, INC., an
Illinois corporation ("RIMS"), WINTHROP FINANCIAL GROUP, INC., an Illinois
corporation ("Winthrop"), OPTION SERVICES GROUP, INC., an Illinois corporation
("Option Services", and collectively with Erisco, RIMS and Winthrop, the
"Additional Borrower"), INFOTRUST COMPANY, an Illinois corporation ("New
Borrower" and, collectively with the Original Borrower and the Additional
Borrower, the "Borrower"), and HELLER HEALTHCARE FINANCE, INC., a Delaware
corporation ("Lender").

                                    RECITALS

        WHEREAS, pursuant to that certain Loan and Security Agreement dated
September 11, 2000, by and between Original Borrower, Elbejay Acquisition Corp.,
a Delaware corporation ("LBJ"), Healthcare Media Private Limited, an India
company and subsidiary of HME ("HMP") and Lender (the "Original Loan Agreement",
as previously amended by that certain Amendment No. 1 to Loan and Security
Agreement dated as of October 17, 2000, by that certain Amendment No. 2 to Loan
and Security Agreement dated as of December 28, 2000, as amended hereby and as
it may be further amended, modified and restated from time to time, the "Loan
Agreement"), Lender agreed to make available to Original Borrower, LBJ and HMP a
revolving credit facility;

        WHEREAS, Borrower has acquired all of the assets and business of New
Borrower and desires, among other things, to add the accounts of New Borrower to
the Borrowing Base (as defined in the Loan Agreement; and

        WHEREAS, Lender and Borrower believe it is in their mutual best
interests that, among other things, (a) the accounts of New Borrower be added to
the Borrowing Base (as defined in the

                                       2
<PAGE>

Loan Agreement), (b) New Borrower be added as a Borrower under the Loan
Agreement pursuant to Section 2 herein and (c) the Loan Agreement be otherwise
modified as provided herein.

        NOW, THEREFORE, in consideration of the foregoing, the terms and
conditions set forth in this Amendment, and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
Lender and Borrower hereby agree as follows:

        SECTION 1. DEFINITIONS. Unless otherwise defined in this Amendment, all
capitalized terms shall have the meanings assigned to such terms in the Loan
Agreement.

        SECTION 2. ADDITION OF NEW BORROWER. Original Borrower, Additional
Borrower, New Borrower and Lender agree that, upon satisfaction of the
conditions set forth in this Amendment, New Borrower shall constitute a
"Borrower" for purposes of and as defined in the Loan Agreement and the other
Loan Documents. Accordingly, New Borrower hereby agrees to be bound by all of
the conditions, covenants, representations, warranties, and other agreements set
forth in the Loan Agreement, and hereby agrees to promptly execute all further
documentation required by Lender to be executed by New Borrower, consistent with
the terms of this Amendment, the Loan Agreement and the other Loan Documents.

        SECTION 3. CONFIRMATION OF REPRESENTATIONS AND WARRANTIES. Each entity
comprising Borrower, including without limitation New Borrower, hereby (a)
confirms that all of the representations and warranties set forth in Article IV
of the Loan Agreement are true and correct with respect to such Borrower, and
(b) specifically represents and warrants to Lender that it has good and
marketable title to all of its respective Collateral, free and clear of any lien
or security interest in favor of any other person or entity other than Permitted
Liens.

        SECTION 4. GRANT BY NEW BORROWER OF SECURITY INTEREST.

        (a)    Pursuant to and in accordance with the terms of Article III of
the Loan Agreement (as amended hereby), and consistent with the intent of the
parties, as security for the payment of the Obligations of Borrower, including
without limitation New Borrower, to Lender, New Borrower hereby assigns and
grants to Lender a continuing first priority lien on and security interest in,
on and to the following property of New Borrower, all of which property shall,
in the aggregate, be deemed to be and treated for all purposes as "Collateral"
under the Loan Agreement, as follows:

               (i)    all of Borrower's now-owned and hereafter acquired or
        arising Accounts, accounts receivable and rights to payment of every
        kind and description, and all of Borrower's contract rights, chattel
        paper, documents and instruments with respect thereto, and all of
        Borrower's rights, remedies, security and liens, in, to and in respect
        of the Accounts, including, without limitation, rights of stoppage in
        transit, replevin, repossession and reclamation and other rights and
        remedies of an unpaid vendor, lienor or secured party, guaranties or
        other contracts of suretyship with respect to the Accounts, deposits or
        other security for the obligation of any Account Debtor, and credit and
        other insurance;

                                       3
<PAGE>

               (ii)   all moneys, securities and other property and the proceeds
        thereof, now or hereafter held or received by, in transit to, in
        possession of, or under the control of Lender or a bailee or Affiliate
        of Lender, from or for Borrower, whether for safekeeping, pledge,
        custody, transmission, collection or otherwise, and all of Borrower's
        deposits (general or special), balances, sums and credits with Lender at
        any time existing;

               (iii)  all of Borrower's right, title and interest in, to and in
        respect of all goods relating to, or which by sale have resulted in,
        Accounts, including, without limitation, all goods described in invoices
        or other documents or instruments with respect to, or otherwise
        representing or evidencing, any Account, and all returned, reclaimed or
        repossessed goods;

               (iv)   all of Borrower's now owned or hereafter acquired deposit
        accounts into which Accounts are deposited, including the Lockbox
        Account;

               (v)    all of Borrower's now owned and hereafter acquired or
        arising general intangibles and other property of every kind and
        description with respect to, evidencing or relating to its Accounts,
        accounts receivable and other rights to payment, including, but not
        limited to, all existing and future customer lists, choses in action,
        claims, books, records, ledger cards, contracts, licenses, formulae, tax
        and other types of refunds, returned and unearned insurance premiums,
        rights and claims under insurance policies, and computer programs,
        information, software, records, and data, as the same relates to the
        Accounts;

               (vi)   the proceeds (including, without limitation, insurance
        proceeds) of all of the foregoing.

        (b)    On the execution of this Amendment by the parties and thereafter
as Lender deems necessary in its sole discretion, New Borrower shall execute and
deliver any other agreements, documents, instruments and writings deemed
necessary by Lender, or as Lender may otherwise request from time to time in its
sole discretion to evidence, perfect or protect Lender's lien and security
interest in the Collateral under this Amendment, the Loan Agreement or the other
Loan Documents.

        (c)    Prior to the execution hereof, and thereafter (as and when
determined by Lender in its reasonable discretion), Lender will perform the
searches described in clauses (i) and (ii) below against New Borrower (the
results of which are to be consistent with New Borrower's representations and
warranties under this Amendment and the Loan Agreement), all at Borrower's
expense:

               (i)    Uniform Commercial Code searches with the Secretary of
        State and local filing offices of each jurisdiction where New Borrower
        maintains its executive offices, a place of business or assets; and

               (ii)   judgment, federal tax lien and corporate and partnership
        tax lien searches, in each jurisdiction searched under clause (i) above;
        and

                                       4
<PAGE>

        In addition, prior to the execution hereof, at Borrower's expense, New
Borrower shall obtain and deliver to Lender good standing certificates showing
New Borrower to be in good standing in its state of incorporation and in each
other state in which it is doing and currently intends to do business for which
qualification is required, except for such locations (not including New
Borrower's state of incorporation) where failure to be so qualified could not
have a Material Adverse Effect.

        (d)    With respect to the Collateral pledged to Lender pursuant to
Section 4(a) of this Amendment, Borrower, including without limitation New
Borrower, hereby agrees to abide by the covenants and agreements set forth in
Section 3.3, Section 3.4 and Section 3.6 of the Loan Agreement.

        SECTION 5. AMENDMENT TO LOAN AGREEMENT.

        (a)    Section 1.5 of the Loan Agreement is hereby amended and restated
in its entirety to read as follows:

               "SECTION 1.5 BASE RATE. "Base Rate" means a rate of interest
equal to one percent (1%) above the "Prime Rate of Interest".

        (b)    Section 1.31(a)(i) of the Loan Agreement is hereby amended and
restated in its entirety to read as follows:

                      "(i) has or is reasonably expected to have a material
        adverse effect on the business, operations, condition (financial or
        otherwise), assets, liabilities or properties of Borrower, taken as a
        whole;"

        (c)    Section 1.46 of the Loan Agreement is hereby amended and restated
in its entirety to read as follows:

               "SECTION 1.46 TERMINATION FEE. "Termination Fee" shall mean a fee
        payable upon termination of the Agreement, as yield maintenance for the
        loss of bargain and not as a penalty, equal to (a) if the effective date
        of termination is on or before the first anniversary of the initial
        Closing Date hereunder, the greater of (i) three percent (3%) of the
        Maximum Loan Amount and (ii) the Yield Maintenance Amount, (b) if the
        effective date of termination is after the first anniversary of the
        initial Closing Date hereunder but before the second anniversary of the
        initial Closing Date hereunder, the greater of (i) two percent (2%) of
        the Maximum Loan Amount and (ii) the Yield Maintenance Amount, and (c)
        if the effective date of termination is after the second anniversary of
        the initial Closing date hereunder but before March 31, 2004, the
        greater of (i) one percent (1%) of the Maximum Loan Amount and (ii) the
        Yield Maintenance Amount."

                                       5
<PAGE>

        (d)    Section 2.1 of the Loan Agreement is hereby modified as follows:

               (i)    Section 2.1(a) of the Loan Agreement is hereby amended and
restated in its entirety to read as follows:

                      "(a)   The maximum aggregate principal amount of credit
         extended by Lender to Borrower under this Agreement (the "Loan") that
         will be outstanding at any time is Fourteen Million and No/100 Dollars
         ($14,000,000.00) (the "Maximum Loan Amount"). The parties hereto shall
         negotiate in good faith to increase the Maximum Loan Amount if the
         Borrowing Base exceeds the Maximum Loan Amount then in effect;
         provided, however, that any increase in the Maximum Loan Amount shall
         be subject, in all cases, to the approval of Lender's credit committee,
         acting in its sole and absolute discretion."

               (ii)   Section 2.1(b) of the Loan Agreement is hereby amended and
restated in its entirety to read as follows:

               "The Loan shall be in the nature of a revolving line of credit
        and shall include sums advanced and other credit extended by Lender to
        or for the benefit of Borrower from time to time under this Article II
        (each, a "Revolving Credit Loan") up to the Maximum Loan Amount
        depending upon the availability in the Borrowing Base, the requests of
        Borrower pursuant to the terms and conditions of Section 2.2, and on
        such other basis as Lender may reasonably determine. The outstanding
        principal balance of the Loan may fluctuate from time to time, to be
        reduced by repayments made by Borrower (which may be made without
        penalty or premium), and to be increased by future Revolving Credit
        Loans, advances and other extensions of credit to or for the benefit of
        Borrower, and shall be due and payable in full upon the expiration of
        the Term; provided that, notwithstanding the foregoing or anything else
        to the contrary herein, so long as there is no Event of Default
        occurring or continuing hereunder, Borrower shall be entitled (although
        it shall not be required) to maintain an outstanding principal balance
        under the Loan equal to $6,000,000 at any time, and provided that there
        is no Event of Default occurring or continuing hereunder, Borrower shall
        not be required (although it shall be entitled) to make repayments of
        the Loan to reduce the outstanding principal balance under the Loan to
        less than such amount. For purposes of this Agreement, any determination
        as to whether there is availability within the Borrowing Base for
        advances or extensions of credit shall be made by Lender in its sole
        discretion and is final and binding upon Borrower."

        (e)    Section 2.4(c) of the Loan Agreement is hereby amended and
restated in its entirety to read as follows:

                                       6
<PAGE>

               "(c)   For so long as the Loan is available to Borrower, Borrower
        unconditionally shall pay to Lender a monthly loan management fee (the
        "Loan Management Fee") equal to 0.042% of the average amount of the
        outstanding principal balance of the Revolving Credit Loans during the
        preceding month. The Loan Management Fee shall be payable monthly in
        arrears on the first day of each successive calendar month."

        (f)    Section 2.8(a) of the Loan Agreement is hereby amended and
restated in its entirety to read as follows:

              "(a)    Subject to Lender's right to cease making Revolving Credit
        Loans to Borrower upon or after any Event of Default, this Agreement
        shall be in effect until March 31, 2004, unless terminated as provided
        in this Section 2.8 (the "Term"), and this Agreement shall be renewed
        for one-year periods thereafter only upon the mutual written agreement
        of the parties."

        (g)    Section 3.1 of the Loan Agreement is hereby modified by (i)
deleting the ", and" at the end of subsection (ii) thereof, and (ii) adding a
new subsection (iv) at the end of subsection (iii) as follows:

              "and (iv) the payment and performance of the obligations of
        Borrower under that certain Secured Term Note in the aggregate principal
        amount of Six Million and No/100 Dollars ($6,000,000.00) dated September
        14, 2001 and made by Borrower in favor of Lender (the "Secured Term
        Note")"

        (h)    Section 6.10 of the Loan Agreement is hereby modified as follows:

               (i)    Section 6.10(iv) is hereby modified by substituting
        "$500,000" for the figure "$250,000" appearing therein.

               (ii)   Section 6.10(v) is hereby modified by substituting
        "$200,000" for the figure "$100,000" appearing therein.

        (i)    Section 6.17 of the Loan Agreement is hereby modified by
substituting "$500,000" for the figure "$250,000.00" appearing therein.

        (j)    Section 6.23 of the Loan Agreement is hereby modified by deleting
the first sentence thereof and replacing it with the following:

                                       7
<PAGE>

              "TriZetto will not at any time allow its "tangible net worth" to
        fall below $12,000,000. For purposes of this Section 6.23, "tangible net
        worth" shall be defined as TriZetto's net worth, on a consolidated
        basis, minus all intangibles, including without limitation good will, in
        each case calculated in accordance with GAAP; provided that, for
        purposes of calculating "tangible net worth", TriZetto shall be entitled
        to include deferred tax liability associated with any intangibles
        generated from acquisitions made by it."

        (k)    Section 7.1 of the Loan Agreement is hereby modified by (i)
deleting the "." at the end of subsection (iv) thereof, and (ii) adding a new
subsection (v) at the end of subsection (iv) as follows:

               "and (v) the indebtedness set forth in Schedule 7.1(v)."

        (l)    Section 7.4 of the Loan Agreement is hereby amended and restated
in its entirety to read as follows:

               "SECTION 7.4. RESTRICTION ON FUNDAMENTAL CHANGES; NO CHANGE IN
        OPERATION OR CONTROL. Borrower will not: (i) enter into any transaction
        of merger or consolidation except as set forth on Schedule 7.4 hereof;
        (ii) liquidate, wind-up or dissolve itself (or suffer any liquidation or
        dissolution); (iii) convey, sell, lease, sublease (other than the
        subleases currently in existence as reflected on Borrower's financial
        statements), transfer or otherwise dispose of, in one transaction or a
        series of transactions, any of its assets, or the capital stock of any
        subsidiary of Borrower, whether now owned or hereafter acquired, other
        than in the ordinary course of business; or (iv) acquire by purchase or
        otherwise all or any substantial part of the business or assets of, or
        stock or other evidence of beneficial ownership of, any Person, other
        than such acquisitions as may be approved in writing by Lender; provided
        that Borrower shall be permitted to acquire by purchase or otherwise, on
        notice to Lender only but without Lender's prior approval as required
        hereunder, any business or assets of, or stock or other evidence of
        beneficial ownership of any Person, to the extent that the purchase
        price for any such acquisition, individually or together with all other
        acquisitions by Borrower hereunder on or after September 14, 2001, does
        not exceed $20,000,000. Borrower agrees that compliance with this
        Section 7.4 is a material inducement to Lender's advancing credit under
        this Agreement. Borrower further agrees that in addition to all other
        remedies available to Lender, Lender shall be entitled to specific
        enforcement of the covenants in this Section 7.4, including without
        limitation injunctive relief.

        (m)    Section 7.6 of the Loan Agreement is hereby amended and restated
in its entirety to read as follows:

               "SECTION 7.6. DIVIDENDS, DISTRIBUTIONS, AND MANAGEMENT FEES.
        Borrower will not make, declare or pay any dividends or distributions
        with respect to, purchase,

                                       8
<PAGE>

        redeem or otherwise acquire for value any of its outstanding stock now
        or hereafter outstanding, or return any capital of its stockholders,
        except pursuant to the Borrower's existing or future Restricted Stock
        Agreements or as otherwise approved by the Board of Directors of the
        applicable Borrower (provided, that such issuances, in the aggregate
        shall not exceed 10% of the outstanding shares of the capital stock of
        any such Borrower), nor shall Borrower pay management fees or fees of a
        similar nature to any person other than to other entities which
        constitute the Borrower (in accordance with the terms hereof); provided
        that, so long as no Event of Default is occurring or continuing
        hereunder, Borrower shall be permitted to pay dividends to its
        Affiliates (regardless of whether any such Affiliate is a "Borrower"
        hereunder).

        (n)    Section 7.12 of the Loan Agreement is hereby amended and restated
in its entirety to read as follows:

               "SECTION 7.12. TRANSACTIONS WITH AFFILIATES AND SUBSIDIARIES.
        Borrower will not enter into any transaction, including without
        limitation the purchase, sale, or exchange of property, or the loaning
        or giving of funds to any Affiliate (except for any Affiliate that is
        also a "Borrower" hereunder) or subsidiary, except in the ordinary
        course of business and pursuant to the reasonable requirements of
        Borrower's business and upon terms substantially the same and no less
        favorable to Borrower as it would obtain in a comparable arm's length
        transaction with any Person not an Affiliate (except for any Affiliate
        that is also a "Borrower" hereunder) or subsidiary, and so long as the
        transaction is not otherwise prohibited under this Agreement. For
        purposes of the foregoing, Lender consents to the transactions described
        on Schedule 7.12. Notwithstanding the foregoing, no Borrower will
        transfer any assets to any subsidiary of Borrower identified on Schedule
        4.1 or any other subsidiary of a Borrower entity which is not a Borrower
        hereunder nor cause any such subsidiary to commence operations without
        the prior written consent of Lender until such subsidiary is added as a
        "Borrower" entity hereunder as set forth in Section 7.9 above for
        purposes of including the assets of such subsidiary in the Collateral
        (provided, however, that Lender shall not be required to lend against
        the assets of such subsidiary added as a Borrower entity)."

        (o)    Section 7.14 of the Loan Agreement is hereby amended and restated
in its entirety to read as follows:

               "Section 7.14. Change in Capital Structure. Except as set forth
        on Schedule 7.14-1, there shall occur no change in Borrower's capital
        structure as set forth in Schedule 7.14-2 without the prior written
        consent of Lender, which consent shall not be unreasonably withheld."

        (p)    Section 8.1 of the Loan Agreement is hereby modified as follows:

                                       9
<PAGE>

               (i)    Section 8.1(e) is hereby modified by substituting
        "200,000" for the figure "60,000" appearing therein.

               (ii)   Section 8.1(h) is hereby modified by substituting
        "250,000" for the figure "100,000" appearing therein.

               (iii)  Section 8.1(k) is hereby modified by substituting
        "500,000" for the figure "100,000" appearing therein.

               (iv)   Section 8.1 is hereby modified generally by (i) deleting
        the "or" at the end of Section 8.1(q), (ii) substituting "; or" for the
        "." at the end of Section 8.1(r) and (iii) by adding a new Section
        8.1(s) as follows:

                      "(s)   An Event of Default shall have occurred under the
               Secured Term Note."

        (q)    Section 8.4 of the Loan Agreement is hereby modified by deleting
the first sentence thereof and replacing it with the following:

               "Lender shall have the right to proceed against all or any
        portion of the Collateral to satisfy in any order (a) the liabilities
        and Obligations of Borrower or any of Borrower's subsidiaries or
        Affiliates to Lender or any of Lender's Affiliates under this Agreement
        or (b) upon the occurrence of an Event of Default under the Secured Term
        Note, the liabilities and obligations of Borrower to Lender or any of
        Lender's Affiliates under the Secured Term Note."

        (r)    A new Section 9.22 is hereby added to the Loan Agreement as
follows:

               "SECTION 9.22. APPOINTMENT OF AGENT UNDER THIS AGREEMENT.

                      (a)    Each of the entities comprising Borrower (other
        than TriZetto) hereby irrevocably appoints and constitutes TriZetto as
        its agent to request and receive Revolving Credit Loans (and to
        otherwise act on behalf of each such entity pursuant to this Agreement
        and the other Loan Documents) from Lender in the name or on behalf of
        each such entity. Lender may disburse the Revolving Credit Loans to the
        bank account of any one or more of such entities without notice to any
        of the other entities comprising Borrower or any other Person at any
        time obligated on or in respect of the Obligations.

                      (b)    Each of the entities comprising Borrower (other
        than TriZetto) hereby irrevocably appoints and constitutes TriZetto as
        its agent to receive statements of account and all other notices from
        Lender with respect to the Obligations or otherwise under or in
        connection with this Agreement and the other Loan Documents.

                                       10
<PAGE>

                      (c)    No purported termination of the appointment of
        TriZetto as agent hereunder shall be effective without the prior written
        consent of Lender."

        SECTION 6. INTENTIONALLY LEFT BLANK.

        SECTION 7. ENFORCEABILITY. This Amendment constitutes the legal, valid
and binding obligation of New Borrower, and is enforceable against New Borrower
in accordance with its terms.

        SECTION 8. EFFECTIVE DATE. The obligation of Lender to enter into and
perform this Amendment and to make Revolving Credit Loans under the Loan
Agreement is subject to the following conditions precedent:

        (a)    Lender shall have received two (2) executed originals of this
Amendment, the Certificate of Validity and all other Loan Documents required to
be executed and delivered hereunder or under the Loan Agreement, including but
not limited to updated Schedules to the Loan Agreement; provided, that Borrower
shall only be obligated to provide Lender with one (1) original of the executed
Third Amended and Restated Revolving Credit Note;

        (b)    Lender shall have received one (1) executed original of the
Secured Term Note in the aggregate principal amount of Six Million and No/100
Dollars ($6,000,000.00) dated of even date with this Amendment and made by
Borrower in favor of Lender;

        (c)    Lender shall have received all searches and good standing
certificates required under Section 4(c) hereof;

        (d)    Borrower, including without limitation New Borrower, shall have
complied and then be in compliance with all of the terms, covenants and
conditions set forth in this Amendment, the Loan Agreement and the other Loan
Documents;

        (e)    There shall have occurred and be continuing no Event of Default
and no event which, with the giving of notice or lapse of time or both, could
constitute an Event of Default;

        (f)    Lender shall have received an executed Secretary's certificate
from New Borrower together with all attachments thereto, including but not
limited to Board of Directors resolutions of New Borrower and copies of any
other action taken by New Borrower to authorize the execution, delivery and
performance of this Amendment and the borrowing of the Loan under the Loan
Documents, substantially in the form provided to New Borrower;

        (g)    Lender shall have received an executed certificate of chief
financial officer from each entity comprising Borrower, substantially in the
form provided to Borrower;

        (h)    Lender shall have received a written opinion of counsel for New
Borrower, dated the date of this Agreement, with respect to New Borrower only
and substantially in the form of the

                                       11
<PAGE>

opinion previously delivered by counsel for Original Borrower in connection with
the execution and delivery of the Original Loan Agreement by Original Borrower;

        (i)    Lender shall have received and approved an updated Borrowing Base
Certificate of Borrower;

        (j)    Borrower shall have satisfied the conditions set forth in Section
5.1(l) (landlord estoppels) of the Loan Agreement, except the extent expressly
waived by Lender; and

        (k)    Borrower, including without limitation New Borrower, as
applicable, shall have provided Lender with any other executed documents or
other information required to be provided pursuant to the closing checklist
provided by Lender to Borrower or otherwise reasonably requested by Lender.

        SECTION 9. COSTS. Borrower shall be responsible for the payment of all
costs of Lender incurred in connection with the preparation of this Amendment,
the Third Amended and Restated Revolving Credit Note, the UCC-1 Financing
Statements, the searches described above, all filing fees, and all reasonable
document preparation fees of Lender's in-house counsel.

        SECTION 10. NO NOVATION. Lender's agreement to add New Borrower shall
not constitute a novation of the debt evidenced by the Revolving Credit Note (as
amended and restated hereby and by the Third Amended and Restated Revolving
Credit Note dated of even date herewith), nor shall it constitute a waiver of
the Lender's right of consent in connection with any future addition of new
borrowers.

        SECTION 11. REFERENCE TO THE EFFECT ON THE LOAN AGREEMENT.

               (a)    Upon the effectiveness of this Amendment, each reference
in the Loan Agreement to "this Agreement," "hereunder," "hereof," "herein" or
words of similar import shall mean and be a reference to the Loan Agreement as
amended by this Amendment.

               (b)    Except as specifically amended above, the Loan Agreement,
and all other Loan Documents, shall remain in full force and effect, and are
hereby ratified and confirmed.

               (c)    The execution, delivery and effectiveness of this
Amendment shall not, except as expressly provided in this Amendment, operate as
a waiver of any right, power or remedy of Lender, nor constitute a waiver of any
provision of the Loan Agreement, or any other documents, instruments and
agreements executed or delivered in connection with the Loan Agreement.

        SECTION 12 . GOVERNING LAW. This Amendment shall be governed by and
construed in accordance with the laws of the State of Maryland without regard to
any otherwise applicable conflicts of laws principles thereof. Without limiting
the effectiveness of any other provision of this Amendment, the Loan Agreement
or the other Loan Document, New Borrower expressly agrees to be bound by the
provisions of Section 9.16, 9.18, 9.19 and 9.20 of the Loan Agreement.

                                       12
<PAGE>

        SECTION 13. HEADINGS. Section headings in this Amendment are included
for convenience of reference only and shall not constitute a part of this
Amendment for any other purpose.

        SECTION 14. COUNTERPARTS. This Amendment may be executed in any number
of counterparts (and by facsimile), each of which shall be deemed an original,
but all of which taken together shall constitute one and the same instrument.

        IN WITNESS WHEREOF, the parties have caused this Amendment No. 3 to Loan
and Security Agreement to be executed as of the date first written above.

                                    LENDER:

                                    HELLER HEALTHCARE FINANCE, INC.,
                                    a Delaware corporation

                                    By:
                                        ----------------------------------------
                                    Name:  David G. Moore
                                    Title: Senior Vice President

                                    ORIGINAL BORROWER:

                                    THE TRIZETTO GROUP, INC.,
                                    a Delaware corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    CREATIVE BUSINESS SOLUTIONS, INC.,
                                    a Texas corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       13
<PAGE>

                                    FINSERV HEALTH CARE SYSTEMS, INC.,
                                    a New York corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    HEALTHCARE MEDIA ENTERPRISES, INC.,
                                    a Delaware corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    HEALTHWEB, INC., a Delaware corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    MARGOLIS HEALTH ENTERPRISES, INC.,
                                    a California corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       14
<PAGE>

                                    NOVALIS CORPORATION, a Delaware
                                    corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    TRIZETTO APPLICATION SERVICES, INC.,
                                    a Colorado corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    DIGITAL INSURANCE SYSTEMS CORPORATION,
                                    an Ohio corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    HEALTH NETWORKS OF AMERICA, INC.,
                                    a Maryland corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       15
<PAGE>

                                    NOVALIS DEVELOPMENT CORPORATION,
                                    a Delaware corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    NOVALIS DEVELOPMENT & LICENSING CORPORATION,
                                    an Indiana corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    NOVALIS SERVICES CORPORATION
                                    a Delaware corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    ADDITIONAL BORROWER:

                                    ERISCO, INC., a New York corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       16
<PAGE>

                                    RESOURCE INFORMATION
                                    MANAGEMENT SYSTEMS, INC.,
                                    an Illinois corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    WINTHROP FINANCIAL GROUP, INC.,
                                    an Illinois corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    OPTION SERVICES GROUP, INC., an
                                    Illinois corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                    NEW BORROWER:

                                    INFOTRUST COMPANY, an Illinois corporation

                                    By:
                                        ----------------------------------------
                                    Name:  Michael J. Sunderland
                                    Title: Chief Financial Officer and Secretary

                                       17

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