Document:

<PAGE>

                                                                    EXHIBIT 10.2

                     LOAN DOCUMENTS MODIFICATION AGREEMENT
                              (November 13, 2002)

         THIS LOAN DOCUMENTS MODIFICATION AGREEMENT (hereinafter referred to as
this "Amendment") is made and entered into as of the 13th day of November,
2002, by and among INNOTRAC CORPORATION, a Georgia corporation (hereinafter
referred to as "Borrower"), SOUTHTRUST BANK, an Alabama banking corporation,
successor by conversion to SouthTrust Bank, N.A., a national banking
association (hereinafter referred to as "Lender"), and: iFULFILLMENT, INC. a
Georgia corporation (hereinafter referred to as "Guarantor").

                              BACKGROUND STATEMENT

         Borrower and Lender are parties to that certain Amended and Restated
Loan and Security Agreement dated January 25, 1999, as previously amended
pursuant to that certain First Amendment to Amended and Restated Loan and
Security Agreement dated April 29, 1999, that certain letter (the "2000
Letter") from Lender to Borrower dated August 9, 2000, that certain letter (the
"2001 Letter") from Lender to Borrower dated September 10, 2001, and that
certain Loan Documents Modification Agreement dated May 31, 2002 (hereinafter
collectively referred to as the "Agreement"). All capitalized terms used herein
shall have the same meanings as are ascribed to them in the Agreement unless
otherwise herein defined. Borrower and Lender are also parties to that certain
Amended and Restated Revolving Credit Note dated April 29, 1999, made by
Borrower to the order of Lender in the original principal amount of Forty
Million and No/100 Dollars ($40,000,000.00), which evidences the indebtedness
of the Revolving Line of Credit (hereinafter referred to as the "Revolving
Note"). Payment of certain obligations of Borrower provided for in the Loan
Documents is guaranteed by Guarantor pursuant to that certain Guaranty dated
May 31, 2002 (hereinafter referred to as the "Guaranty"). Borrower and Lender
have agreed to amend the Agreement, Guarantor has agreed to reaffirm its
Guaranty, and the parties are entering into this Amendment to evidence their
agreement.

                                   AGREEMENT

         FOR AND IN CONSIDERATION of the sum of Ten and No/100 Dollars ($10.00),
the foregoing recitals, and other good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged, Borrower, Lender and
Guarantors do hereby agree as follows:

         1.       LOAN BALANCES.  The foregoing recitals are true and correct
and are incorporated herein by reference. Borrower and Lender acknowledge and
agree that as of November 12, 2002, the outstanding principal balance of the
Revolving Note is Seventeen Million One Hundred Fifty Thousand and No/100
Dollars ($17,150,000.00).

         2.       MODIFICATION OF AGREEMENT. The Agreement is hereby modified
and amended, effective as of the date hereof, as follows:

         (a)      By deleting the definition of "Net Income" contained in
Section 1.1 of the Agreement and substituting in lieu thereof the following new
definition of "Net Income":

                  "Net Income" shall mean, for any fiscal period of any Person,
the net income (or loss), after provisions for taxes (either actual, accrued
or deemed, in the case of a pass-through entity, determined as if the highest
marginal individual income tax rate were applicable), of such Person on a
consolidated basis for such period (taken as a single accounting period)
determined in conformity with GAAP."
<PAGE>

         (b) By deleting the pricing matrix contained in Section 2.2 (a) of
the Agreement and used to calculate the LIBOR Margin and substituting in lieu
thereof the following new pricing matrix to calculate the LIBOR Margin:

<Table>
<Caption>
                   If Leverage Ratio Is:                            Then the LIBOR Margin Is:
                   ---------------------                            -------------------------
<S>                                                                 <C>
Greater than 1.50 to 1.0                                                 200 basis points
Greater than 1.25 to 1.0 but not greater than 1.50 to 1.0                150 basis points
Greater than 0.75 to 1.0 but not greater than 1.25 to 1.0                125 basis points
Less than 0.75 to 1.0                                                    100 basis points
</Table>

         (c) By deleting the text of Section 12.1 of the Agreement, which
presently states "Borrower shall have at all times a Leverage Ratio of not more
than 2.0:1," and replacing it with the following:

                 "Borrower shall have at all times a Leverage Ratio of not more
                 than 1.5 : 1."

         (d) By deleting the text of Section 12.2 of the Agreement, which
presently states "The Tangible Net Worth of Borrower shall be at least
Thirty-Five Million Dollars ($35,000,000), all as determined under GAAP and as
adjusted with respect to any repurchase by Borrower of its equity securities
approved by Lender, and shall annually increase over the amount as of the end of
the prior Fiscal year," and replacing it with the following:

                  "The Tangible Net Worth of Borrower shall at all times be at
                  least Thirty-Four Million Dollars ($34,000,000), all as
                  determined under GAAP, and, commencing with the December 31,
                  2003 measurement of Tangible Net Worth, shall annually
                  increase over the amount as of the end of the prior Fiscal
                  Year."

         3. WAIVER OF FINANCIAL COVENANTS DEFAULT.  Absent the occurrence under
the Agreement or any of the other Loan Documents of any other intervening Event
of Default, Lender hereby grants to Borrower a one-time only waiver of the
following financial covenant Events of Defaults, at which time Lender shall
again review and measure the following financial covenants (hereinafter
referred to as the "Measurement Date"): (a) Tangible Net Worth Covenant (as set
forth in Section 12.2 of the Agreement): through the period ending September
30, 2002, and (b) Fixed Charge Coverage Ratio Covenant (as set forth in Section
12.3 of the Agreement): through the period ending September 30, 2003. Borrower
and Guarantor acknowledge and agree that a future Event of Default arising or
occurring in connection with any financial covenant set forth in the Agreement,
including but not limited to those set forth in this Paragraph 3, on or after
the applicable Measurement Date shall, henceforth, not be waived by Lender,
shall not be subject to any notice, grace or cure right otherwise set forth in
the Agreement of other Loan Documents, and Lender may avail itself of any and
all legal remedies available to Lender under the Loan Documents or applicable
law without any additional notice whatsoever.

         4. MODIFICATION OF LOAN DOCUMENT.  As of the date hereof, Borrower
hereby reaffirms and restates each and every warranty and representation set
forth in the Loan Documents. The terms of the Loan Documents are hereby
modified and amended, effective as of the date hereof, so that any reference in
any of the Loan Documents (including, without limitation, the Agreement) to the
Agreement shall refer to the Agreement as herein amended.

                                      -2-
<PAGE>
         5.       GUARANTORS' REAFFIRMATION. Guarantor hereby acknowledges and
consents to the foregoing amendments to the Agreement and all of the other Loan
Documents. Guarantor hereby ratifies, confirms, reaffirms and covenants that
the Guaranty which it has executed is validly existing and binding against it
under the terms of such Guaranty and guarantees the repayment of all the
"Guaranteed Obligations," as therein defined. Guarantor hereby reaffirms and
restates, as of the date hereof, all covenants, representations and warranties
set forth in the Guaranty.

         6.       RATIFICATION; FEES AND EXPENSES. Except as herein expressly
modified or amended, all the terms and conditions of the Agreement and the
other Loan Documents are hereby ratified, affirmed, and approved. In
consideration of Lender agreeing to this Amendment as herein provided
(including the waiver of certain financial covenant breaches), Borrower agrees
to pay Lender a loan covenant waiver fee in the amount of Fifty Thousand and
No/100 Dollars ($50,000.00) and further agrees to pay all fees and expenses
incurred in connection with this Amendment. Borrower acknowledges and agrees
that once paid, the loan covenant waiver fee shall be fully earned and shall
not be refundable or rebatable in whole or in part.

         7.       NO DEFENSES; RELEASE.  For purposes of this Paragraph 7, the
terms "Borrower Parties" and "Lender Parties" shall mean and include Borrower
and Lender, respectively, and each of their respective predecessors, successors
and assigns, and each past and present, direct and indirect, parent, subsidiary
and affiliated entity of each of the foregoing, and each past and present
employee, agent, attorney-in-fact, attorney-at-law, representative, officer,
director, shareholder, partner and joint venturer of each of the foregoing, and
each heir, executor, administrator, successor and assign of each of the
foregoing; references in this paragraph to "any" of such parties shall be
deemed to mean "any one or more" of such parties; and references in this
sentence to "each of the foregoing" shall mean and refer cumulatively to each
party referred to in this sentence up to the point of such reference. Borrower
hereby acknowledges, represents and agrees: that Borrower has no defenses,
setoffs, claims, counterclaims or causes of action of any kind or nature
whatsoever with respect to the Agreement, the other Loan documents or the
Obligations, or with respect to any other documents or instruments now or
heretofore evidencing, securing or in any way relating to the Obligations or
with respect to any other transaction, matter or occurrence between any of the
Borrower Parties and any Lender Parties or with respect to any acts or
omissions of any Lender Parties (all of said defenses, setoffs, claims,
counterclaims or causes of action being hereinafter referred to as "Loan
Related Claims"); that, to the extent that Borrower may be deemed to have any
Loan Related Claims, Borrower does hereby expressly waive, release and
relinquish any and all such Loan Related Claims, whether or not known to or
suspected by Borrower; that Borrower shall not institute or cause to be
instituted any legal action or proceeding of any kind based upon any Loan
Related Claims; and that Borrower shall indemnify, hold harmless and defend all
Lender Parties from and against any and all Loan Related Claims and any and all
losses, damages, liabilities, costs and expenses suffered or incurred by any
Lender Parties as a result of any assertion or allegation by any Borrower
Parties of any Loan Related Claims or as a result of any legal action related
thereto. Borrower hereby reaffirms and restates, as of the date hereof, all
covenants, representations and warranties set forth in the Agreement.

         8.       NO NOVATION. Borrower hereby acknowledges and agrees that this
Amendment shall not constitute a novation of the indebtedness evidenced by the
Revolving Note.

         9.       NO WAIVER OR IMPLICATION. Borrower hereby agrees that nothing
herein shall constitute a waiver by Lender of any default, whether known or
unknown, which may exist under the Agreement or any other Loan Document.
Borrower hereby further agrees that no action,

                                      -3-

<PAGE>

inaction or agreement by Lender, including, without limitation, any extension,
indulgence, waiver, consent or agreement of modification which may have occurred
or have been granted or entered into (or which may be occurring or be granted or
entered into hereunder or otherwise) with respect to nonpayment of the
Obligations or any portion thereof, or with respect to matters involving
security for the Obligations, or with respect to any other matter relating to
the Obligations, shall require or imply any future extension, indulgence,
waiver, consent or agreement by Lender. Borrower hereby acknowledges and agrees
that Lender has made no agreement, and is in no way obligated, to grant any
future extension, indulgence, waiver or consent with respect to the Obligations
or any matter relating to the Obligations.

         10.      NO RELEASE OF COLLATERAL. Borrower further agrees that this
Amendment shall in no way occasion a release of any collateral held by Lender
as security to or for the Obligations, and that all collateral held by Lender
as security to or for the Obligations shall continue to secure the Obligations.

         11.      SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon
and inure to the benefit of Borrower and Lender and their respective successors
and assigns, whether voluntary by act of the parties or involuntary by
operation of law.

         12.      AUTHORITY. By executing this Amendment as hereinafter
provided, Scott Dorfman hereby certifies that he is the President of Borrower
and is duly authorized to execute this Amendment on behalf of Borrower.

         IN WITNESS WHEREOF, this Amendment has been duly executed under seal
by Borrower, Lender, and Guarantor as of the day and year first above written.

                                       BORROWER:

                                       INNOTRAC CORPORATION, a Georgia
                                       corporation

                                       By: /s/ Scott Dorfman
                                          --------------------------------------
                                          Scott Dorfman
                                          President

                                                     [CORPORATE SEAL]

                                       LENDER:

                                       SOUTHTRUST BANK, an Alabama banking
                                       corporation

                                       By: /s/ Noble S. Jones
                                          --------------------------------------
                                          Noble S. Jones
                                          Vice President

                                      -4-
<PAGE>

                                       GUARANTOR:

                                       iFULFILLMENT, INC., a Georgia corporation

                                       By: /s/ Scott Dorfman
                                          --------------------------------------
                                          Scott Dorman
                                          President

                                                     [CORPORATE SEAL]

                                      -5-<PAGE>

                       AMENDMENT NO. 8 TO CREDIT AGREEMENT

        AMENDMENT NO. 8, dated as of September 30, 2002 (this "Amendment"), to
Credit Agreement, by and among Private Business, Inc., a Tennessee corporation
(the "Borrower"), the Lenders and Fleet National Bank, as the Initial Issuing
Bank, the Swing Line Bank and the Administrative Agent.

                             PRELIMINARY STATEMENTS

        (A) The Borrower, the Lenders and Fleet National Bank, as the Initial
Issuing Bank, the Swing Line Bank and the Administrative Agent, are parties to
that certain Credit Agreement, dated as of August 7, 1998 (as amended to the
date hereof, the "Credit Agreement").

        (B) The Borrower, Administrative Agent and Lenders wish to amend the
Credit Agreement as set forth in this Amendment.

        (C) The terms defined in the Credit Agreement and not otherwise defined
herein shall have the meanings ascribed to them in the Credit Agreement.

        NOW, THEREFORE, in consideration of the premises and of the mutual
covenants and agreements contained herein, the parties hereto hereby agree as
follows:

ARTICLE 1. Amendments to Credit Agreement.

        Section 1.1. The aggregate amount of the Revolving Credit Commitments
are reduced from $7,500,000 to $5,000,000. The Revolving Credit Commitment of
each Revolving Credit Lender shall be reduced pro rata such that the new
Revolving Credit Commitment of each Revolving Credit Lender shall be as set
forth below:

<TABLE>
<CAPTION>
        Revolving Credit Lender                      Revolving Credit Commitment
        -----------------------                      ---------------------------
<S>                                                  <C>
        Fleet National Bank                                $2,272,727.28

        Citizens Bank of Massachusetts                     $1,363,636.36

        LaSalle Bank National Association                  $  909,090.91

        Credit Lyonnais New York Branch                    $  454,545.45
</TABLE>

<PAGE>

        Section 1.2. Section 1.1 is amended by deleting from the definition of
"Applicable Margin" the tables entitled "Applicable Margin for Eurodollar Rate
Advances" and "Applicable Margin for Prime Rate Advances" and replacing them
with the following tables:

                 Applicable Margin for Eurodollar Rate Advances

<TABLE>
<CAPTION>
Ratio of Consolidated          Revolving Credit Advances,
Debt to EBITDA                 Term A Advances                Term B Advances
--------------                 ---------------                ---------------
<S>                            <C>                            <C>
Greater than 3.00                      3.75%                        4.25%

Greater than 2.50
  less than or equal to 3.00           3.25%                        3.75%

Greater than 2.00
  less than or equal to 2.50           3.00%                        3.50%

Less than or equal to 2.00             2.50%                        3.25%
</TABLE>

                    Applicable Margin for Prime Rate Advances

<TABLE>
<CAPTION>
Ratio of Consolidated          Revolving Credit Advances,
Debt to EBITDA                 Term A Advances                Term B Advances
--------------                 ---------------                ---------------
<S>                            <C>                            <C>
Greater than 3.00                      2.50%                        3.00%

Greater than 2.50
  less than or equal to 3.00           2.00%                        2.50%

Greater than 2.00
  less than or equal to 2.50           1.75%                        2.50%

Less than or equal to 2.00             1.25%                        2.25%
</TABLE>

        Section 1.3. Section 1.1 of the Credit Agreement is amended by inserting
in the definition of "Capital Expenditures" after the words "real property or
improvements" the words", software development costs"; and inserting after the
words "Net Cash Proceeds" at the end of such definition the words "; and
provided, further, that any software development costs shall be included in the
calculation of Capital Expenditures regardless of whether or not such have been
or should have been, in accordance with GAAP, reflected as additions to
property, plant or equipment on a consolidated balance sheet of such Person".

        Section 1.4. Section 2.6(b)(i) of the Credit Agreement is amended by
deleting such Section in its entirety and replacing it with the following:

         "Within ninety (90) days following the end of each Fiscal Year, the
         Borrower shall execute and deliver to the Administrative Agent a
         certificate of the Borrower's Chief Executive Officer or Chief
         Financial Officer demonstrating its calculation of Excess Cash Flow for
         such Fiscal Year along with a prepayment of the then outstanding
         Advances equal to seventy-five percent (75%) of the annual Excess Cash
         Flow."

                                      -2-
<PAGE>

        Section 1.5. Section 5 of the Credit Agreement is amended by adding the
following immediately following Section 5.16 as new Sections 5.17 and 5.18 of
the Credit Agreement:

         SECTION 5.17 Review of Fiscal Year 2003 Operating Plan. Borrower agrees
         that the Lender Parties shall engage, at Borrower's expense (which
         expenses shall be paid directly by Borrower and shall be in an amount
         not to exceed $15,000, exclusive of reasonable travel costs), an
         independent professional consultant, which consultant shall be
         acceptable to Lender Parties in their sole discretion, to conduct a
         comprehensive review of Borrower's Fiscal Year 2003 operating plan.
         Such review shall consist of, but not be limited to, a review and
         analysis of the operating plan assumptions and such other matters as
         the Lender Parties shall request in their sole discretion.

         SECTION 5.18 UCC Article 9 Revisions. Borrower hereby agrees to
         execute and deliver any and all documents and instruments as
         reasonably requested by Administrative Agent, including but not limited
         to such executed UCC-3 amendments in such jurisdictions as
         Administrative Agent may request, in order to perfect and maintain its
         security interests in the Collateral under the UCC as in effect from
         and after July 1, 2001.

        Section 1.6. Section 6.17 of the Credit Agreement is amended by deleting
the maximum Capital Expenditure amounts for the Fiscal Years 2002 through 2006
and replacing them with the following:

<TABLE>
<CAPTION>
         Period                                                 Amount
         ------                                                 ------
<S>                                                           <C>
         Fiscal Year 2002                                     $3,500,000
         Fiscal Year 2003                                     $3,500,000
         Fiscal Year 2004                                     $3,500,000
         Fiscal Year 2005                                     $3,500,000
         Fiscal Year 2006                                     $3,500,000
</TABLE>

        Section 1.7. Section 8.1 of the Credit Agreement is amended by deleting
the minimum EBITDA covenant levels for the periods of four fiscal quarters
ending on or about September 30, 2002 through December 31, 2003 and replacing
them with the following:

<TABLE>
<CAPTION>
         Four Fiscal Quarters ending on or about:             Minimum EBITDA
         ----------------------------------------             --------------
<S>                                                          <C>
         September 30, 2002                                   $14,500,000
         December 31, 2002                                    $13,500,000
         March 31, 2003                                       $13,500,000
         June 30, 2003                                        $13,000,000
         September 30, 2003                                   $13,500,000
         December 31, 2003                                    $13,750,000
</TABLE>

        Section 1.8. Section 8.2 of the Credit Agreement is amended by deleting
the maximum Ratio of Consolidated Debt to EBITDA covenant levels for the periods
of four fiscal quarters ending on or about December 31, 2002 through December
31, 2003 and replacing them with the following:

<TABLE>
<CAPTION>
         Four Fiscal Quarters ending on or about:             Ratio
         ----------------------------------------             -----
<S>                                                           <C>
         December 31, 2002                                    2.25:1
         March 31, 2003                                       2.15:1
         June 30, 2003                                        2.15:1
         September 30, 2003                                   2.00:1
         December 31, 2003                                    2.00:1
</TABLE>

                                      -3-
<PAGE>

ARTICLE 2. Confirmations and References.

        Section 2.1. Continuing Effect. The Credit Agreement and the other Loan
Documents delivered in connection therewith are, and shall continue to be, in
full force and effect, and are hereby ratified and confirmed in all respects,
except that, on and after the date hereof, (a) all references in the Loan
Documents (i) to the "Credit Agreement," "thereto," "thereof," "thereunder" or
words of like import referring to the Credit Agreement shall mean the Credit
Agreement as amended hereby and (ii) to the "Loan Documents" shall be deemed to
include this Amendment; and (b) all references in the Credit Agreement to "this
Agreement," "hereto," "hereof," "hereunder" or words of like import referring to
the Credit Agreement shall mean the Credit Agreement as amended hereby.

        Section 2.2. Confirmation of Liens. The Liens granted pursuant to the
Collateral Documents secure, without limitation, the Obligations of the Borrower
and its Subsidiaries to the Lenders and the Administrative Agent under the
Credit Agreement as amended by this Amendment. The term "Obligations" as used in
the Collateral Documents (or any other term used therein to refer to the
liabilities and obligations of the Borrower and its Subsidiaries to the Lenders
and the Administrative Agent), include, without limitation, Obligations to the
Lenders and the Administrative Agent under the Credit Agreement as amended by
this Amendment.

        Section 2.3. Amendment. This Amendment shall be deemed to be an
amendment to the Credit Agreement and shall not be construed in any way as a
replacement or substitution therefor. All of the terms and conditions of, and
terms defined in, this Amendment are hereby incorporated by reference into the
Credit Agreement as if such terms and provisions were set forth in full therein.

ARTICLE 3. Effectiveness of Amendment. This Amendment shall be effective upon
the satisfaction of each of the following conditions precedent:

        Section 3.1. This Amendment shall have been executed and delivered by
the Borrower, each other Loan Party, the Administrative Agent, the Required
Lenders and Revolving Credit Lenders holding greater than 50% of the aggregate
Revolving Credit Commitments.

        Section 3.2. After giving effect to this Amendment, there shall exist no
Event of Default or Default under the Credit Agreement.

        Section 3.3. The Borrower shall have paid an amendment fee to the
Administrative Agent, for the account of each Lender which has approved this
Amendment, as evidenced by such Lender's timely execution and delivery of a
counterpart signature page to this Amendment, in an amount equal to 0.25% (i.e.
25 basis points) of the aggregate of such approving Lenders' Commitments after
giving effect to this Amendment.

                                      -4-
<PAGE>

ARTICLE 4. Miscellaneous.

        Section 4.1. Continued Effectiveness. Except as specifically amended
herein, the Credit Agreement and each of the other Loan Documents shall remain
in full force and effect in accordance with their respective terms.

        Section 4.2. Governing Law. This Amendment shall be governed and
construed in accordance with the laws of the State of New York.

        Section 4.3. Severability. The provisions of this Amendment are
severable, and if any clause or provision shall be held invalid or unenforceable
in whole or in part in any jurisdiction, then such invalidity or
unenforceability shall affect only such clause or provision, or part thereof, in
such jurisdiction and shall not in any manner affect such clause or provision in
any other jurisdiction, or any other clause or provision in this Amendment in
any jurisdiction.

        Section 4.4. Counterparts. This Amendment may be signed in any number of
counterparts with the same effect as if the signatures thereto and hereto were
upon the same instrument. Delivery of an executed counterpart of this Amendment
by facsimile shall be as effective as delivery of an originally executed
counterpart.

        Section 4.5. Binding Effect; Assignment. This Amendment shall be binding
upon and inure to the benefit of the Borrower and its respective successors and
to the benefit of the Administrative Agent and the Lenders and their respective
successors and assigns. The rights and obligations of the Borrower under this
Amendment shall not be assigned or delegated without the prior written consent
of the Lenders, and any purported assignment or delegation without such consent
shall be void.

        Section 4.6. Expenses. The Borrower shall pay the Administrative Agent
upon demand for all reasonable expenses, including reasonable fees of counsel
for the Administrative Agent, incurred by the Administrative Agent in connection
with the preparation, negotiation and execution of this Amendment and any
documents required to be furnished herewith.

                            [Signature Pages Follow]

                                      -5-
<PAGE>

        IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized on the date
first above written.

                                            PRIVATE BUSINESS, INC.,
                                            AS BORROWER

                                            By: /s/ Gerard M. Hayden, Jr.
                                               ---------------------------------

                                            Title: Chief Financial Officer
                                                   -----------------------------

                                            ACKNOWLEDGED AND CONSENTED TO:

                                            PRIVATE BUSINESS INSURANCE, INC.
                                            PRIVATE BUSINESS CAPITAL, INC.
                                            PRIVATE BUSINESS PROCESSING, INC.
                                            TOWNE SERVICES, INC.
                                            BANKING SOLUTIONS, INC.
                                            BSI ACQUISITION CORP.
                                            IMAGING INSTITUTE, INC.
                                            FORSEON CORPORATION

                                            By: /s/ Gerard M. Hayden, Jr.
                                               ---------------------------------

                                            Title: Chief Financial Officer
                                                   -----------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 8 TO CREDIT AGREEMENT]

<PAGE>

                                            FLEET NATIONAL BANK,
                                            AS INITIAL ISSUING BANK,
                                            AS SWING LINE BANK,
                                            AS ADMINISTRATIVE AGENT AND
                                            AS LENDER

                                            By: /s/ Stephen M. Curran
                                               ---------------------------------

                                            Title: Director
                                                   -----------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 8 TO CREDIT AGREEMENT]

<PAGE>

                                            CITIZENS BANK OF MASSACHUSETTS,
                                            AS LENDER

                                            By: /s/ Lawrence E. Jacobs
                                               ---------------------------------

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

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 8 TO CREDIT AGREEMENT]

<PAGE>

                                            PILGRIM PRIME RATE TRUST,
                                            AS LENDER

                                            By: Pilgrim Investments, Inc.,
                                            as its Investment Manager

                                            By:_________________________________

                                            Title:______________________________

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 8 TO CREDIT AGREEMENT]
<PAGE>

                                            LASALLE BANK NATIONAL ASSOCIATION,
                                            AS LENDER

                                            By: /s/ Christopher J. O'Brien
                                               ---------------------------------

                                            Title: Senior Vice President
                                                   -----------------------------

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 8 TO CREDIT AGREEMENT]
<PAGE>

                                            CREDIT LYONNAIS NEW YORK BRANCH,
                                            AS LENDER

                                            By:_________________________________

                                            Title:______________________________

         [PRIVATE BUSINESS, INC. - AMENDMENT NO. 8 TO CREDIT AGREEMENT]

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