Document:

<PAGE>   1
                                                                   Exhibit 10.3

                              REVOLVING CREDIT NOTE

$15,000,000                                                  September 11, 2000

      FOR VALUE RECEIVED, the undersigned, THE TRIZETTO GROUP, INC., a Delaware
corporation ("TriZetto"), CREATIVE BUSINESS SOLUTIONS, INC., a Texas corporation
("CBS"); ELBEJAY ACQUISITION CORP., a Delaware corporation ("LBJ"); 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"); HEALTHCARE MEDIA PRIVATE LIMITED, an India company and
subsidiary of HME ("HMP"); 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, LBJ, Finserv, HME, HealthWeb, Margolis, Novalis, TriZetto
Application, HMP, Digital, Health Networks, Novalis Development, and Novalis
Licensing, 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 Fifteen Million and No/100 Dollars ($15,000,000.00), 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 the undersigned and Lender (as
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.

      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.

<PAGE>   2

      4.    This Note shall become due and payable upon the earlier to occur of
(i) the expiration of the Term, or (ii) 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: (i) 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); (ii) neither the 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 (iii) 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.

<PAGE>   3

      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, (i) 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; (ii) 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; (iii) 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; (iv) to the extent
permitted by 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 (v) 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.

<PAGE>   4

      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 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

<PAGE>   5

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.

      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

<PAGE>   6

JURISDICTIONS, AS OFTEN AS LENDER SHALL DEEM NECESSARY, CONVENIENT, OR PROPER.

                               [SIGNATURES FOLLOW]

<PAGE>   7

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

                               BORROWER:

                               THE TRIZETTO GROUP, INC.
                               a Delaware corporation

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

                               CREATIVE BUSINESS SOLUTIONS, INC.
                               a Texas corporation

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

                               ELBEJAY ACQUISITION CORP.
                               a Delaware corporation

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

                               FINSERV HEALTH CARE SYSTEMS, INC.
                               a New York corporation

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

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

<PAGE>   8

                               HEALTHCARE MEDIA ENTERPRISES, INC.
                               a Delaware corporation

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

                               HEALTHWEB, INC.
                               a Delaware corporation

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

                               MARGOLIS HEALTH ENTERPRISES, INC.
                               a California corporation

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

                               NOVALIS CORPORATION
                               a Delaware corporation

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

                               TRIZETTO APPLICATION SERVICES, INC.
                               a Colorado corporation

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

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

<PAGE>   9

                               HEALTHCARE MEDIA PRIVATE LIMITED
                               an India company and subsidiary of HME

                               By:
                                  -----------------------------------------
                                  Name:
                                  Title:

                               DIGITAL INSURANCE SYSTEMS CORPORATION
                               an Ohio corporation

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

                               HEALTH NETWORKS OF AMERICA, INC.
                               a Maryland corporation

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

                               NOVALIS DEVELOPMENT CORPORATION
                               a Delaware corporation

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

                               NOVALIS DEVELOPMENT & LICENSING CORPORATION
                               an Indiana corporation

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

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

<PAGE>   10

                               NOVALIS SERVICES CORPORATION
                               a Delaware corporation

                               By:    /s/ Michael J. Sunderland
                                  -----------------------------------------
                                  Name:  Michael J. Sunderland
                                  Title: Chief Financial Officer
                                         and Secretary<PAGE>   1
                                                                    EXHIBIT 10.4

                                 $15,000,000.00

                                 AMENDMENT NO. 1

                                       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.
                        HEALTHCARE MEDIA PRIVATE LIMITED
                      DIGITAL INSURANCE SYSTEMS CORPORATION
                        HEALTH NETWORKS OF AMERICA, INC.
                         NOVALIS DEVELOPMENT CORPORATION
                   NOVALIS DEVELOPMENT & LICENSING CORPORATION
                          NOVALIS SERVICES CORPORATION
                                  ERISCO, INC.

                                       and

                         HELLER HEALTHCARE FINANCE, INC.

                         Amended as of October 17, 2000

<PAGE>   2

                 AMENDMENT NO. 1 TO LOAN AND SECURITY AGREEMENT

         THIS AMENDMENT NO. 1 TO LOAN AND SECURITY AGREEMENT (this "Amendment")
is made as of this 17th day of October, 2000, by and 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"); HEALTHCARE MEDIA PRIVATE LIMITED,
an India company and subsidiary of HME ("HMP"); 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,
HMP, Digital, Health Networks, Novalis Development, and Novalis Licensing, the
"Original Borrower") and ERISCO, INC., a New York corporation, ("New Borrower",
and collectively with Original Borrower, "Borrower"), and HELLER HEALTHCARE
FINANCE, INC., a Delaware corporation ("Lender").

                                    RECITALS

         A.  Pursuant to that certain Loan and Security Agreement dated
             September 11, 2000, by and between Original Borrower, Elbejay
             Acquisition Corp., a Delaware corporation ("LBJ") and Lender (as
             amended, modified and restated from time to time, collectively, the
             "Loan Agreement"), Lender agreed to make available to Original
             Borrower a revolving credit loan (the "Loan").

         B.  On October 3, 2000, LBJ merged with and into New Borrower, the
             separate corporate existence of LBJ ceased, and New Borrower
             survived the merger as a wholly-owned subsidiary of TriZetto.

         C.  The Lender and Borrower hereto believe it is in their best
             interests that, among other things, New Borrower be added as a
             Borrower under the Loan Agreement pursuant to Section 2 herein and
             further that the Loan Agreement is modified in connection with the
             terms hereof.

                                       2

<PAGE>   3

         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, 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 all 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
the Loan Agreement.

         SECTION 3. CONFIRMATION OF REPRESENTATIONS AND WARRANTIES. Each
Borrower, including 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. Consistent with
the intent of the parties, the New Borrower hereby grants to Lender a continuing
first priority lien on and security interest in, upon, and to the Collateral,
pursuant to and in accordance with the terms of Article III of the Loan
Agreement, as follows:

            As security for the payment of all liabilities of Borrower
(including without limitation the New Borrower) to Lender, including without
limitation: (i) indebtedness evidenced under the Note (as amended and/or
restated from time to time), repayment of Revolving Credit Loans, advances and
other extensions of credit, all fees and charges owing by Borrower, and all
other liabilities and obligations of every kind or nature whatsoever of Borrower
to Lender, whether now existing or hereafter incurred, joint or several, matured
or unmatured, direct or indirect, primary or secondary, related or unrelated,
due or to become due, including but not limited to any extensions,
modifications, substitutions, increases and renewals thereof, (ii) the payment
of all amounts advanced by Lender to preserve, protect, defend, and enforce its
rights under this Agreement and in the following property in accordance with the
terms of this Agreement, and (iii) the payment of all expenses incurred by
Lender in connection therewith (collectively, the "Obligations"). Borrower
hereby assigns and grants to Lender a continuing first priority lien on and
security interest in, upon, and to the following property (the "Collateral"):

               (a) 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>   4

               (b) 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;

               (c) 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;

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

               (e) 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;

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

         SECTION 5. AMENDMENT TO LOAN AGREEMENT.

         (a) Section 2.1(d) of the Loan Agreement is hereby amended by adding
the following phrase to the end of the first sentence of such section:

             "provided, however, that the Qualified Accounts of ERISCO, Inc.
             will not be included in the Borrowing Base."

         (b) Section 2.4(a) of the Loan Agreement is hereby amended by replacing
"Fifty Thousand Dollars ($50,000)" in the second line with "Thirty Thousand and
No/100 Dollars ($30,000)".

                                       4

<PAGE>   5

         (c) Section 6.23 of the Loan Agreement is hereby amended to replace the
first sentence of such section with the following provision:

             "Borrower will not at any time allow its "tangible net worth" to
fall below $25,000,000. For purposes of this section 6.23, "tangible net worth"
shall be defined as Borrower's net worth minus all intangibles, including
without limitation goodwill, all calculated in accordance with GAAP."

         SECTION 6. 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 7. 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), nor shall it constitute a waiver of the Lender's
right of consent in connection with any future addition of new borrowers.

         SECTION 8. EFFECTIVE DATE. This Amendment shall be effective upon (and
Lender's requirement to fund under the Loan Agreement shall be conditioned upon)
(a) execution and delivery to Lender of this Amendment by each Borrower; (b)
execution and delivery to Lender of the Amended and Restated Revolving Credit
Note attached hereto by each Borrower; (c) Lender's receipt and approval of
financing statement, tax lien and pending litigation search results with respect
to New Borrower; (d) execution and delivery by New Borrower to Lender of UCC-1
Financing Statements covering the Collateral; (e) execution and delivery by New
Borrower of an officer's certificate and secretary's certificate and delivery of
a legal opinion in respect of New Borrower in the form of such documents
delivered by (or in respect of) the Original Borrower; (f) review and approval
by Lender of an updated Borrowing Base Certificate; and (g) satisfaction of the
condition set forth in Section 5.1(l) (landlord estoppels) of the Loan
Agreement.

         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 Amended and Restated 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. 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.

                                       5

<PAGE>   6

         SECTION 11. ACKNOWLEDGMENT. Borrower and Lender agree and acknowledge
that in accordance with Section 5.1(n) of the Loan Agreement, Lender's credit
committee approved the Loan Agreement upon the terms and conditions of the Loan
Agreement as amended hereby, as of October 16, 2000.

         SECTION 12 . GOVERNING LAW. This Amendment shall be governed by and
construed in accordance with the laws of the State of Maryland (without
reference to conflicts of laws principles).

         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
counterparts, and both counterparts taken together shall be deemed to constitute
one and the same instrument.

                               [SIGNATURES FOLLOW]

                                       6

<PAGE>   7

         IN WITNESS WHEREOF, the parties have caused this Amendment to be
executed as of the date first written above.

                                         LENDER:

                                         HELLER HEALTHCARE FINANCE, INC.
                                         a Delaware corporation

                                         By: /s/ Brett Robinson
                                             -----------------------------------
                                             Name: Brett Robinson
                                             Title: Vice President

                                         ORIGINAL BORROWER:

                                         THE TRIZETTO GROUP, INC.
                                         a Delaware corporation

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

                                         CREATIVE BUSINESS SOLUTIONS, INC.
                                         a Texas corporation

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

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       7

<PAGE>   8

                                         FINSERV HEALTH CARE SYSTEMS, INC.
                                         a New York corporation

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

                                         HEALTHCARE MEDIA ENTERPRISES, INC.
                                         a Delaware corporation

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

                                         HEALTHWEB, INC.
                                         a Delaware corporation

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

                                         MARGOLIS HEALTH ENTERPRISES, INC.
                                         a California corporation

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

                                         NOVALIS CORPORATION
                                         a Delaware corporation

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

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       8

<PAGE>   9

                                         TRIZETTO APPLICATION SERVICES, INC.
                                         a Colorado corporation

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

                                         HEALTHCARE MEDIA PRIVATE LIMITED
                                         an India company and subsidiary of HME

                                         By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                         DIGITAL INSURANCE SYSTEMS CORPORATION
                                         an Ohio corporation

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

                                         HEALTH NETWORKS OF AMERICA, INC.
                                         a Maryland corporation

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

                                         NOVALIS DEVELOPMENT CORPORATION
                                         a Delaware corporation

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

                    [SIGNATURES CONTINUED ON FOLLOWING PAGE]

                                       9

<PAGE>   10

                                         NOVALIS DEVELOPMENT & LICENSING
                                         CORPORATION an Indiana corporation

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

                                         NOVALIS SERVICES CORPORATION
                                         a Delaware corporation

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

                                         NEW BORROWER:

                                         ERISCO, INC.
                                         a New York corporation

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

                                       10

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00017-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00017-of-00352.parquet"}]]