Document:

<PAGE>   1
                                                                   EXHIBIT 10.47

                            INDEMNIFICATION AGREEMENT

     THIS INDEMNIFICATION AGREEMENT ("Agreement") is made this 30th day of March
2001 and to be effective as of November 8, 2000, by and between NQL INC., a
Delaware corporation (the "Company"), and David Pallmann ("Indemnitee"), a
director and/or officer of the Company.

     WHEREAS, the Company and Indemnitee recognize the increasing difficulty in
obtaining directors' and officers' liability insurance, the significant
increases in the cost of such insurance and the general reductions in the
coverage of such insurance;

     WHEREAS, the Company and Indemnitee further recognize the substantial
increase in corporate litigation subjecting officers and directors to expensive
litigation risks at the same time that liability insurance has been severely
limited;

     WHEREAS, Indemnitee does not regard the current protection available as
adequate given the present circumstances, and Indemnitee and other officers and
directors of the Company may not be willing to serve as officers and directors
without adequate protection;

     WHEREAS, the Company desires to attract and retain the services of highly
qualified individuals, such as Indemnitee, to serve as officers and directors of
the Company and to indemnify its officers and directors so as to provide them
with the maximum protection permitted by law;

     NOW, THEREFORE, the Company and Indemnitee hereby agree as follows:

                                       I.

                                 INDEMNIFICATION

     1.01 Third Party Proceedings. The Company shall indemnify Indemnitee if
Indemnitee is or was a party or is threatened to be made a party to any
threatened, pending or complete action, suit or proceeding, whether civil,
criminal, administrative or investigative (other than action by or in the right
of the Company) by reason of the fact that Indemnitee is or was a director
and/or officer of the Company or any subsidiary of the Company, by reason of any
action or inaction on the part of Indemnitee while a director and/or officer or
by reason of the fact that Indemnitee is or was serving at the request of the
Company as a director, officer, employee or agent of another corporation,
partnership, joint venture, trust or other enterprise, against all expense,
liability and loss (including attorneys' fees), judgments, fines and amounts
paid in settlement (if such settlement is approved in advance by the Company,
which approval shall not be unreasonably withheld) actually and reasonably
incurred by Indemnitee in connection with such action, suit or proceeding if
Indemnitee acted in good faith and in a manner Indemnitee reasonably believed to
be in the best interests of the Company, and, with respect to any criminal
action or proceeding, had no reasonable cause to believe Indemnitee's conduct
was unlawful.

<PAGE>   2

     The termination of any action, suit or proceeding by judgment, order,
settlement, conviction, or upon a plea of nolo contendere or its equivalent,
shall not, of itself, create a presumption that Indemnitee did not act in good
faith and in a manner which Indemnitee reasonably believed to be in the best
interests of the Company, and with respect to any criminal action or proceeding,
had reasonable cause to believe that Indemnitee's conduct was unlawful.

     1.02 Proceedings by or in the Right of the Company. The Company shall
indemnify Indemnitee if Indemnitee was or is a party or is threatened to be made
a party to any threatened, pending or completed action or suit by or in the
right of the Company or any subsidiary of the Company to procure a judgment in
its favor by reason of fact that Indemnitee is or was a director and/or officer
of the Company or any subsidiary of the Company, by reason of any action or
inaction on the part of Indemnitee while a director and/or officer or by reason
of the fact that Indemnitee is or was serving at the request of the Company as a
director, officer, employee or agent of another corporation, partnership, joint
venture, trust or other enterprise, against all expense, liability and loss
(including attorneys' fees) and amounts paid in settlement (if such settlement
is court-approved) actually and reasonably incurred by Indemnitee in connection
with the defense or settlement of such action or suit if Indemnitee acted in
good faith and in a manner Indemnitee reasonably believed to be in the best
interests of the Company and its shareholders. No indemnification shall be made
in respect of any claim, issue or matter as to which Indemnitee shall have been
adjudged to be liable to the Company in the performance of Indemnitee's duties
to the Company and its shareholders, unless and only to the extent that the
Court in which such proceeding is or was pending shall determine upon
application that, in view of all the circumstances of the case, Indemnitee is
fairly and reasonably entitled to indemnity for expenses and then only to the
extent that the court shall determine.

     1.03 Mandatory Payment of Expenses. To the extent that Indemnitee has been
successful on the merits or otherwise in defense of any action, suit or
proceeding referred to in Section 1.01 or 1.02 or the defense of any claim,
issue or matter therein, Indemnitee shall be indemnified against expenses
(including attorneys' fees) actually and reasonably incurred by Indemnitee in
connection therewith.

                                       II.

                       EXPENSES; INDEMNIFICATION PROCEDURE

     2.01 Advancement of Expenses. The Company shall advance all expenses
incurred by Indemnitee in connection with the investigation, defense, settlement
or appeal of any civil or criminal action, suit or proceeding referenced in
Section 1.01 or 1.02 hereof. Indemnitee hereby undertakes to repay such amounts
advanced only if, and to the extent that, it shall ultimately be determined that
Indemnitee is not entitled to be indemnified by the Company as authorized
hereby. The advance to be made hereunder shall be paid by the Company to
Indemnitee within thirty (30) days following delivery of a written request
therefor by Indemnitee to the Company.

     2.02 Determination of Conduct. Any indemnification (unless ordered by a
court) shall be made by the Company only as authorized in the specific case upon
a determination that indemnification of Indemnitee is proper under the
circumstances because

                                      -2-

<PAGE>   3

Indemnitee has met the applicable standard of conduct set forth in Section 1.01
or 1.02 of this Agreement. Such determination shall be made by any of the
following: (1) the Board of Directors (or by an executive committee thereof) by
a majority vote of a quorum consisting of directors who were not parties to such
action, suit or proceeding, (2) if such a quorum is not obtainable, or, even if
obtainable, if a quorum of disinterested directors so directs, by independent
legal counsel in a written opinion, (3) by the shareholders, with the shares
owned by Indemnitee not being entitled to vote thereon, or (4) the court in
which such proceeding is or was pending upon application made by the Company or
Indemnitee or the attorney or other person rendering service in connection with
the defense, whether or not such application by Indemnitee, the attorney or the
other person is opposed by the Company.

     2.03 Notice/Cooperation by Indemnitee. Indemnitee shall, as a condition
precedent to his or her right to be indemnified under this Agreement, give the
Company notice in writing as soon as practicable of any claim made against
Indemnitee for which indemnification will or could be sought under this
Agreement. Notice to the Company shall be directed to NQL Inc., 4 Hutton Centre
Drive, Suite 500, South Coast Metro, California 92707, or such other address as
the Company shall designate in writing to Indemnitee. Notice shall be deemed
received on the third business day after the date postmarked if sent by domestic
certified or registered mail, properly addressed; otherwise, notice shall be
deemed received when such notice shall actually be received by the Company. In
addition, Indemnitee shall give the Company such information and cooperation as
it may reasonably require and as shall be within Indemnitee's power.

     2.04 Notice to Insurers. If, at the time of the receipt of a notice of a
claim pursuant to Section 2.03 hereof, the Company has director and officer
liability insurance in effect, the Company shall give prompt notice of the
commencement of such proceeding to the insurers in accordance with the
procedures set forth in the respective policies. The Company shall thereafter
take all necessary or desirable actions to cause such insurers to pay, on behalf
of the Indemnitee, all amounts payable as a result of such proceeding in
accordance with the terms of such policies.

     2.05 Selection of Counsel. In the event the Company shall be obligated
under Section 2.01 hereof to pay the expenses of any proceeding against
Indemnitee, the Company, shall be entitled to assume the defense of such
proceeding, with counsel approved by Indemnitee, upon the delivery to Indemnitee
of written notice of its election so to do. After delivery of such notice,
approval of such counsel by Indemnitee and the retention of such counsel by the
Company, the Company will not be liable to Indemnitee under this Agreement for
any fees of counsel subsequently incurred by Indemnitee with respect to the same
proceeding, provided that (a) Indemnitee shall have the right to employ his or
her counsel in any such proceeding at Indemnitee's expense; and (b) if (i) the
employment of counsel by Indemnitee has been previously authorized by the
Company, (ii) Indemnitee shall have reasonably concluded that there may be a
conflict of interest between the Company and Indemnitee in the conduct of any
such defense, or (iii) the Company shall not, in fact, have employed counsel to
assume the defense of such proceeding, then the fees and expenses of
Indemnitee's counsel shall be at the expense of the Company.

                                      -3-

<PAGE>   4

                                      III.

               ADDITIONAL INDEMNIFICATION RIGHTS; NON-EXCLUSIVITY

     3.01 Application. The provisions of this Agreement shall be deemed
applicable to all actual or alleged actions or omissions by Indemnitee during
any and all periods of time that Indemnitee was, is, or shall be serving as a
director and/or officer of the Company.

     3.02 Scope. The Company hereby agrees to indemnify Indemnitee to the
fullest extent permitted by law (except as set forth in Article VIII hereof),
notwithstanding that such indemnification is not specifically authorized by the
other provisions of this Agreement, the Company's Certificate of Incorporation,
the Company's Bylaws or by statute. In the event of any changes, after the date
of this Agreement, in any applicable law, statute, or rule which expands the
right of a Delaware corporation to indemnify a member of its board of directors
or an officer, such changes shall be, ipso facto, within the purview of
Indemnitee's rights and the Company's obligations under this Agreement. In the
event of any change in any applicable law, statute, or rule which narrows the
right of a Delaware corporation to indemnify a member of its board of directors
or an officer, such changes, to the extent not otherwise required by such law,
statute or rule to be applied to this Agreement shall have no effect on this
Agreement or the parties' rights and obligations hereunder.

     3.03 Non-Exclusivity. The indemnification provided by this Agreement shall
not be deemed exclusive of any rights to which an Indemnitee may be entitled
under the Company's Certificate of Incorporation, its Bylaws, any agreement, any
vote of shareholders or disinterested directors, the Delaware General
Corporation Law, or otherwise, both as to action in Indemnitee's official
capacity and as to action in another capacity while holding such office. The
indemnification provided under this Agreement shall continue as to Indemnitee
for an action taken or not taken while serving in an indemnified capacity even
though he or she may have ceased to serve in such capacity at the time of any
action, suit or other covered proceeding.

                                       IV.

                             PARTIAL INDEMNIFICATION

     4.01 If Indemnitee is entitled under any provision of this Agreement to
indemnification by the Company for some or a portion of the expenses, judgments,
fines or penalties actually or reasonably incurred by him in the investigation,
defense, appeal or settlement of any civil or criminal action, suit or
proceeding, but not, however, for the total amount thereof, the Company shall
nevertheless indemnify Indemnitee for the portion of such expenses, judgments,
fines or penalties to which Indemnitee is entitled.

                                      -4-

<PAGE>   5

                                       V.

                              MUTUAL ACKNOWLEDGMENT

     5.01 Both the Company and Indemnitee acknowledge that in certain instances,
federal law or public policy may override applicable state law and prohibit the
Company from indemnifying its directors and officers under this Agreement or
otherwise. For example, the Company and Indemnitee acknowledge that the
Securities and Exchange Commission (the "SEC") has taken the position that
indemnification is not permissible for liabilities arising under certain federal
securities laws, and federal legislation prohibits indemnification for certain
ERISA violations. Indemnitee understands and acknowledges that the Company has
undertaken or may be required in the future to undertake with the SEC to submit
the question of indemnification to a court in certain circumstances for a
determination of the Company's right under public policy to indemnify
Indemnitee.

                                       VI.

                  DIRECTORS' AND OFFICERS' LIABILITY INSURANCE

     6.01 The Company shall, from time to time, make the good faith
determination whether or not it is practicable for the Company to obtain and
maintain a policy or policies of insurance with reputable insurance companies
providing the directors and officers with coverage for losses from wrongful
acts, or to ensure the Company's performance of its indemnification obligations
under this Agreement. Among other considerations, the Company will weigh the
costs of obtaining such insurance coverage against the protection afforded by
such coverage. In all policies of directors' and officers' liability insurance,
Indemnitee shall be named as an insured in such a manner as to provide
Indemnitee the same rights and benefits as are accorded to the most favorably
insured of the Company's directors, if Indemnitee is a director; or of the
Company's officers, if Indemnitee is not a director of the Company but is an
officer. Notwithstanding the foregoing, the Company shall have no obligation to
obtain or maintain such insurance if the Company determines in good faith that
such insurance is not reasonably available, if the premium costs for such
insurance are disproportionate to the amount of coverage provided, if the
coverage provided by such insurance is limited by exclusions so as to provide an
insufficient benefit, or if Indemnitee is covered by similar insurance
maintained by a parent or subsidiary of the Company.

                                      VII.

                                  SEVERABILITY

     7.01 Nothing in this Agreement is intended to require or shall be construed
as requiring the Company to do or fail to do any act in violation of applicable
law. The Company's inability, pursuant to court order, to perform its
obligations under this Agreement shall not constitute a breach of this
Agreement. The provisions of this Agreement shall be severable as provided in
this Article VII. If this Agreement or any portion hereof shall be invalidated
on any ground by any court of competent jurisdiction, then the Company shall
nevertheless indemnify Indemnitee to the full extent permitted by any applicable
portion of this Agreement that shall not have been invalidated, and the balance
of this Agreement not so invalidated shall be enforceable in accordance with its
terms.

                                      -5-

<PAGE>   6

                                      VIII.

                                   EXCEPTIONS

     8.01 Any other provision to the contrary notwithstanding, the Company shall
not be obligated pursuant to the terms of this Agreement for the following:

          (a) Claims Initiated by Indemnitee. To indemnify or advance expenses
to Indemnitee with respect to proceedings or claims initiated or brought
voluntarily by Indemnitee and not by way of defense, unless said proceedings or
claims were authorized by the board of directors of the Company.

          (b) Improper Personal Benefit. To indemnify Indemnitee against
liability for any transactions from which Indemnitee derived an improper
personal benefit, including, but not limited to, self-dealing or usurpation of a
corporate opportunity.

          (c) Dishonesty. To indemnify Indemnitee if a judgment or other final
adjudication adverse to Indemnitee established that Indemnitee committed acts of
active and deliberate dishonesty, with actual dishonest purpose and intent,
which acts were material to the cause of action so adjudicated.

          (d) Insured Claims. To indemnify Indemnitee for expenses or
liabilities of any type whatsoever (including, but not limited to, judgments,
fines, ERISA excise taxes or penalties, and amounts paid in settlement) which
have been paid directly to Indemnitee by an insurance carrier under a policy of
officers' and directors' liability insurance maintained by the Company.

          (e) Claims Under Section 16(b). To indemnify Indemnitee for expenses
or the payment of profits arising from the purchase and sale by Indemnitee of
securities in violation of Section 16(b) of the Securities Exchange Act of 1934,
as amended, or any similar successor statute.

                                       IX.

                                  MISCELLANEOUS

     9.01 Construction of Certain Phrases.

          (a) For purposes of this Agreement, references to the "Company" shall
include any constituent corporation (including any constituent of a constituent)
absorbed in a consolidation or merger so that if Indemnitee is or was a
director, officer, employee or agent of such constituent corporation, or is or
was serving at the request of such constituent corporation as a director,
officer, employee or agent of another corporation, partnership, joint venture,
trust or other enterprise, Indemnitee shall stand in the same position under the
provisions of this Agreement with respect to the resulting or surviving
corporation as Indemnitee would have with respect to such constituent
corporation if its separate existence had continued.

                                      -6-

<PAGE>   7

          (b) For purposes of this Agreement, references to "other enterprises"
shall include employee benefit plans; references to "fines" shall include any
excise taxes assessed on Indemnitee with respect to an employee benefit plan;
and references to "serving at the request of the Company" shall include any
service as a director, officer, employee or agent of the Company which impose
duties on, or involves services by, such director, officer, employee or agent
with respect to an employee benefit plan, its participants, or beneficiaries;
and if Indemnitee acted in good faith and in a manner Indemnitee reasonably
believed to be in the best interests of the participants and beneficiaries of an
employee benefit plan, Indemnitee shall be deemed to have acted in a manner
"reasonably believed to be in the best interests of the Company and its
shareholders" as referred to in this Agreement.

          9.02 Successors and Assigns. This Agreement shall be binding upon the
Company and its successors and assigns, and shall insure to the benefit of
Indemnitee and Indemnitee's estate, heirs, legal representatives and assigns.

          9.03 Notice. All notices, requests, demands and other communications
under this Agreement shall be in writing and shall be deemed duly given (i) if
delivered by hand and receipted for by the party addressed, on the date of such
receipt, or (ii) if mailed by domestic certified or registered mail with postage
prepaid, on the third business day after the date postmarked:

                If to Indemnitee: David Pallmann
                                  25922 Miramonte Drive
                                  Mission Viejo, CA 92692

                If to Company:    NQL Inc.
                                  4 Hutton Centre Drive
                                  South Coast Metro, California 92707

or to such other address as may be furnished to Indemnitee by the Company or to
the Company by Indemnitee, as the case may be.

          9.04 Consent to Jurisdiction. The Company and Indemnitee each hereby
irrevocably consent to the jurisdiction of the courts of the State of California
for all purposes in connection with any action or proceeding which arises out of
or relates to this Agreement and agree that any action instituted under this
Agreement shall be brought only in the state courts of the State of California.

          9.05 Choice of Law. This Agreement shall be governed by and its
provisions construed in accordance with the laws of the State of California, as
applied to contracts between California residents entered into and to be
performed entirely within California.

          9.06 Counterparts. This Agreement may be executed in counterparts,
each of which shall constitute an original and all of which together shall
constitute one and the same instrument.

                                      -7-

<PAGE>   8

          IN WITNESS WHEREOF, the parties hereby have executed this Agreement as
of the date first above written.

                        "Company"       NQL Inc.,
                                        a Delaware corporation

                                        By: /s/ Robert O Riiska
                                            ------------------------------------
                                        Its: Robert O. Riiska, CFO and Secretary

                        "Indemnitee"    /s/ David Pallmann
                                        ----------------------------------------
                                            David Pallmann

                                      -8-<PAGE>   1
                                                                    EXHIBIT 10.1

                            BUSINESS LOAN AGREEMENT

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------
PRINCIPAL       LOAN DATE     MATURITY    LOAN NO.    CALL    COLLATERAL    ACCOUNT     OFFICER   INITIALS
<S>             <C>          <C>          <C>        <C>      <C>          <C>          <C>       <C>
$3,000,000.00   03-29-2001   11-04-2001    26/42     121051       049      2756603893    00480
----------------------------------------------------------------------------------------------------------
References in the shaded area are for Lender's use only and do not limit the applicability of this
document to any particular loan or item.
</TABLE>

<TABLE>
<S>                                                <S>
BORROWER:  THE TRIZETTO GROUP, INC., A DELAWARE    LENDER:  Bank One, Colorado, NA
           CORPORATION                                      Corporate Lending - Boulder
           567 SAN NICOLAS DRIVE, SUITE 360                 1125 17th Street
           NEWPORT BEACH, CA 92660                          Denver, CO 80217
</TABLE>

================================================================================

THIS BUSINESS LOAN AGREEMENT between THE TRIZETTO GROUP, INC., A DELAWARE
CORPORATION ("Borrower") and Bank One, Colorado, NA ("Lender") is made and
executed as of March 29, 2001. This Agreement governs all loans, credit
facilities and/or other financial accommodations described herein and, unless
otherwise agreed to in writing by Lender and Borrower, all other present and
future loans, credit facilities and other financial accommodations provided by
Lender to Borrower. All such loans, credit facilities and other financial
accommodations, together with all renewals, amendments and modifications
thereof, are referred to in this Agreement individually as the "Loan" and
collectively as the "Loans." Borrower understands and agrees that: (a) in
granting, renewing, or extending any Loan, Lender is relying upon Borrower's
representations, warranties, and agreements, as set forth in this Agreement; and
(b) all such Loans shall be and shall remain subject to the following terms and
conditions of this Agreement.

TERM. This Agreement shall be effective as of MARCH 29, 2001, and shall continue
thereafter until all Loans and other obligations owing by Borrower to Lender
hereunder have been paid in full and Lender has no commitments or obligations to
make further advances under the Loans to Borrower.

DEFINITIONS. The following words shall have the following meanings when used in
this Agreement. Terms not otherwise defined in this Agreement shall have the
meanings attributed to such terms in the Uniform Commercial Code as adopted in
the State of Colorado. All references to dollar amounts shall mean amounts in
lawful money of the United States of America.

        AGREEMENT. The word "Agreement" means this Business Loan Agreement, as
        may be amended or modified from time to time, together with all exhibits
        and schedules attached hereto from time to time.

        BORROWER. The word "Borrower" means THE TRIZETTO GROUP, INC., A DELAWARE
        CORPORATION.

        COLLATERAL. The word "Collateral" means and includes without limitation
        all property and assets granted as collateral for any Loan, whether real
        or personal property, whether granted directly or indirectly, whether
        granted now or in the future, and whether granted in the form of a
        security interest, mortgage, deed of trust, assignment, pledge, chattel
        mortgage, chattel trust, factor's lien, equipment trust, conditional
        sale, trust receipt, lien, charge, lien or title retention contract,
        lease or consignment intended as a security device, or any other
        security or lien interest whatsoever, whether created by law, contract,
        or otherwise.

        ERISA. The word "ERISA" means the Employee Retirement Income Security
        Act of 1974, as amended.

        GRANTOR. The word "Grantor" means and includes each and all of the
        persons or entities granting a Security Interest in any Collateral for
        any of the Loans.

        GUARANTOR. The word "Guarantor" means and includes each and all of the
        guarantors, sureties, and accommodation parties for any of the Loans.

        INDEBTEDNESS. The word "Indebtedness" means the indebtedness evidenced
        by the Note, including all principal and accrued interest thereon,
        together with all other liabilities, costs and expenses for which
        Borrower is responsible under this Agreement or under any of the Related
        Documents. In addition, the word "Indebtedness" includes all other
        obligations, debts and liabilities, plus any accrued interest thereon,
        owing by Borrower, or any one or more of them, to Lender of any kind or
        character, now existing or hereafter arising, as well as all present and
        future claims by Lender against Borrower, or any one or more of them,
        and all renewals, extensions, modifications, substitutions and
        rearrangements of any of the foregoing; whether such indebtedness arises
        by note, draft, acceptance, guaranty, endorsement, letter of credit,
        assignment, overdraft, indemnity agreement or otherwise; whether such
        indebtedness is voluntary or involuntary, due or not due, direct or
        indirect, absolute or contingent, liquidated or unliquidated; whether
        Borrower may be liable individually or jointly with others; whether
        Borrower may be liable primarily or secondarily or as debtor, maker,
        comaker, drawer, endorser, guarantor, surety, accommodation party or
        otherwise.

        LENDER. The word "Lender" means Bank One, Colorado, NA, its successors
        and assigns.

        NOTE. The word "Note" means any and all promissory note or notes which
        evidence Borrower's Loans in favor of Lender, as well as any amendment,
        modification, renewal or replacement thereof.

        RELATED DOCUMENTS. The words "Related Documents" mean and include
        without limitation the Note and all credit agreements, loan agreements,
        environmental agreements, guaranties, security agreements, mortgages,
        deeds of trust, and all other instruments, agreements and documents,
        whether now or hereafter existing, executed in connection with the Note.

        SECURITY AGREEMENT. The words "Security Agreement" mean and include
        without limitation any agreements, promises, covenants, arrangements,
        understandings or other agreements, whether created by law, contract,
        or otherwise, evidencing, governing, representing, or creating a
        Security Interest.

        SECURITY INTEREST. The words "Security Interest" mean and include
        without limitation any type of security interest, whether in the form of
        a lien, charge, mortgage, deed of trust, assignment, pledge, chattel
        mortgage, chattel trust, factor's lien, equipment trust, conditional
        sale, trust receipt, lien or title retention contract, lease or
        consignment intended as a security device, or any other security or lien
        interest whatsoever, whether created by law, contract, or otherwise.

REPRESENTATIONS AND WARRANTIES. Borrower represents and warrants to Lender, as
of the date of this Agreement, as of the date of each request for an advance or
disbursement of Loan proceeds, as of the date of any renewal, extension or
modification of any Loan, and at all times any Indebtedness exists hereafter:

        ORGANIZATION. Borrower is a corporation which is duly organized,
        validly existing, and in good standing under the laws of the State of
        Delaware and is duly qualified and in good standing in all other states
        in which Borrower is doing business. Borrower has the full power and
        authority to own its properties and to transact the businesses in which
        it is presently engaged or presently proposes to engage.

        AUTHORIZATION. The execution, delivery, and performance of this
        Agreement and all Related Documents to which Borrower is a party have
        been duly authorized by all necessary action; do not require the consent
        or approval of any other person, regulatory authority or governmental
        body; and do not conflict with, result in a violation of, or constitute
        a default under (a) any provision of its articles of incorporation or
        organization, or bylaws, or any agreement or other instrument binding
        upon Borrower or (b) any law, governmental regulation, court decree, or
        order applicable to Borrower. Borrower has all requisite power and
        authority to execute and deliver this Agreement and all other Related
        Documents to which Borrower is a party.

        FINANCIAL INFORMATION. Each financial statement of Borrower supplied to
        Lender truly and completely discloses Borrower's financial condition as
        of the date of the statement, and there has been no material adverse
        change in Borrower's financial condition subsequent to the date of the
        most recent financial statement supplied to Lender. Borrower has no
        material contingent obligations except as disclosed in such financial
        statements.

        LEGAL EFFECT. This Agreement and all other Related Documents to which
        Borrower is a party constitute legal, valid and binding obligations of
        Borrower enforceable against Borrower in accordance with their
        respective terms, except as limited by bankruptcy, insolvency or similar
        laws of general application relating to the enforcement of creditors'
        rights and except to the extent specific remedies may generally be
        limited by equitable principles.

        PROPERTIES. Except as contemplated by this Agreement or as previously
        disclosed in Borrower's financial statements or in writing to Lender and
        as accepted by Lender, and except for property tax liens for taxes not
        presently due and payable, Borrower is the sole owner of, and has good
        title to, all of Borrower's properties free and clear of all Security
        Interests, and has not executed any security documents or financing
        statements relating to such properties. All of Borrower's properties are
        titled in Borrower's legal name, and Borrower has not used, or filed a
        financing statement under, any other name for at least the last six (6)
        years.

        COMPLIANCE. Except as disclosed in writing to Lender (a) Borrower is
        conducting Borrower's businesses in material compliance with all
        applicable federal, state and local laws, statutes, ordinances, rules,
        regulations, orders, determinations and court decisions, including
        without limitation, those pertaining to health or environmental matters,
        and (b) Borrower otherwise does not have any known material contingent
        liability in connection with the release into the environment, disposal
        or the improper storage of any toxic or hazardous substance or solid
        waste.

<PAGE>   2
03-29-2001                  BUSINESS LOAN AGREEMENT                       PAGE 2
LOAN NO. 26/42                    (CONTINUED)
================================================================================

     LITIGATION AND CLAIMS. No litigation, claim, investigation, administrative
     proceeding or similar action (including those for unpaid taxes) against
     Borrower is pending or threatened, and no other event has occurred which
     may in any one case or in the aggregate materially adversely affect
     Borrower's financial condition or properties, other than litigation,
     claims, or other events, if any, that have been disclosed to and
     acknowledged by Lender in writing.

     TAXES. All tax returns and reports of Borrower that are or were required
     to be filed, have been filed, and all taxes, assessments and other
     governmental charges have been paid in full, except those that have been
     disclosed in writing to Lender which are presently being or to be
     contested by Borrower in good faith in the ordinary course of business and
     for which adequate reserves have been provided.

     LIEN PRIORITY. Unless otherwise previously disclosed to and approved by
     Lender in writing, Borrower has not entered into any Security Agreements,
     granted a Security Interest or permitted the filing or attachment of any
     Security Interests on or affecting any of the Collateral, except in favor
     of Lender.

     LICENSES, TRADEMARKS AND PATENTS. Borrower possesses and will continue to
     possess all permits, licenses, trademarks, patents and rights thereto
     which are needed to conduct Borrower's business and Borrower's business
     does not conflict with or violate any valid rights of others with respect
     to the foregoing.

     COMMERCIAL PURPOSES. Borrower intends to use the Loan proceeds solely for
     business or commercial related purposes approved by Lender and such
     proceeds will not be used for the purchasing or carrying of "margin stock"
     as defined in Regulation U issued by the Board of Governors of the
     Federal Reserve System.

     INELIGIBLE SECURITIES. No portion or any advance or Loan made hereunder
     shall be used directly or indirectly to purchase ineligible securities, as
     defined by applicable regulations of the Federal Reserve Board,
     underwritten by Lender or any other affiliate of Banc One Corporation
     during the underwriting period and for 30 days thereafter.

     EMPLOYEE BENEFIT PLANS. Each employee benefit plan as to which Borrower may
     have any liability complies in all material respects with all applicable
     requirements of law and regulations, and (i) no Reportable Event nor
     Prohibited Transaction (as defined in ERISA) has occurred with respect to
     any such plan, (ii) Borrower has not withdrawn from any such plan or
     initiated steps to do so, (iii) no steps have been taken to terminate any
     such plan, and (iv) there are no unfunded liabilities other than those
     previously disclosed to Lender in writing.

     LOCATION OF BORROWER'S OFFICES AND RECORDS. Borrower's place of business,
     or Borrower's chief executive office if Borrower has more than one place of
     business, is located at 567 SAN NICOLAS DRIVE, SUITE 360, NEWPORT BEACH, CA
     92660. Unless Borrower has designated otherwise in writing this location is
     also the office or offices where Borrower keeps its records concerning the
     Collateral.

     INFORMATION. All information heretofore or contemporaneously herewith
     furnished by Borrower to Lender for the purposes of or in connection with
     this Agreement or any transaction contemplated hereby is, and all
     information hereafter furnished by or on behalf of Borrower to Lender will
     be, true and accurate in every material respect on the date as of which
     such information is dated or certified; and none of such information is or
     will be incomplete by omitting to state any material fact necessary to
     make such information not misleading.

     SURVIVAL OF REPRESENTATIONS AND WARRANTIES. Borrower understands and agrees
     that Lender, without independent investigation, is relying upon the above
     representations and warranties in extending Loan advances to Borrower.
     Borrower further agrees that the foregoing representations and warranties
     shall be continuing in nature and shall remain in full force and effect
     during the term of this Agreement.

AFFIRMATIVE COVENANTS. Borrower covenants and agrees with Lender that, while
this Agreement is in effect, Borrower will:

     DEPOSITORY RELATIONSHIP. Establish and maintain its primary operating
     account(s) with Lender.

     LITIGATION. Promptly inform Lender in writing of (a) all material adverse
     changes in Borrower's financial condition, (b) all existing and all
     threatened litigation, claims, investigations, administrative proceedings
     or similar actions affecting Borrower or any Guarantor which could
     materially affect the financial condition of Borrower or the financial
     condition of any Guarantor, and (c) the creation, occurrence or assumption
     by Borrower of any actual or contingent liabilities not permitted under
     this Agreement.

     FINANCIAL RECORDS. Maintain its books and records in accordance with
     generally accepted accounting principles, applied on a consistent basis,
     and permit Lender to examine, audit and make and take away copies or
     reproductions of Borrower's books and records at all reasonable times. If
     Borrower now or at any time hereafter maintains any records (including
     without limitation computer generated records and computer software
     programs for the generation of such records) in the possession of a third
     party, Borrower, upon request of Lender, shall notify such party to permit
     Lender free access to such records at all reasonable times and to provide
     Lender with copies of any records it may request, all at Borrower's
     expense.

     FINANCIAL STATEMENTS. Furnish Lender with, as soon as available, but in no
     event later than thirty (30) days after the end of each month, Borrower's
     balance sheet, income statement, and statement of changes in financial
     position for the period ended, prepared and certified, subject to year-end
     review adjustments, as correct to the best knowledge and belief by
     Borrower's chief financial officer or other officer or person acceptable
     to Lender. All financial reports required to be provided under this
     Agreement shall be prepared in accordance with generally accepted
     accounting principles, applied on a consistent basis, and certified by
     Borrower as being true and correct.

     ADDITIONAL INFORMATION. Furnish such additional information and
     statements, lists of assets and liabilities, agings of receivables and
     payables, inventory schedules, budgets, forecasts, tax returns, and other
     reports with respect to Borrower's financial condition and business
     operations as Lender may request from time to time.

     INSURANCE. Maintain fire and other risk insurance, public liability
     insurance, business interruption insurance and such other insurance as
     Lender may require with respect to Borrower's properties and operations,
     in form, amounts, coverages and with insurance companies reasonably
     acceptable to Lender. Borrower, upon request of Lender, will deliver to
     Lender from time to time the policies or certificates of insurance in form
     satisfactory to Lender, including stipulations that coverages will not be
     cancelled or diminished without at least thirty (30) days' prior written
     notice to Lender. In connection with all policies covering assets in which
     Lender holds or is offered a Security Interest for the Loans, Borrower
     will provide Lender with such lender loss payable or other endorsements as
     Lender may require.

     INSURANCE REPORTS. Furnish to Lender, upon request of Lender, reports on
     each existing insurance policy showing such information as Lender may
     reasonably request, including without limitation the following: (a) the
     name of the insurer; (b) the risks insured; (c) the amount of the policy;
     (d) the properties insured; (e) the then current property values on the
     basis of which insurance has been obtained, and the manner of determining
     those values; and (f) the expiration date of the policy.

     OTHER AGREEMENTS. Comply with all terms and conditions of all other
     agreements, whether now or hereafter existing, between Borrower and any
     other party and notify Lender immediately in writing of any default in
     connection with any other such agreements.

     LOAN PROCEEDS. Use all Loan proceeds solely for Borrower's business
     operations, unless specifically consented to the contrary by Lender in
     writing.

     TAXES, CHARGES AND LIENS. Pay and discharge when due all of its
     indebtedness and obligations, including without limitation all
     assessments, taxes, governmental charges, levies and liens, of every kind
     and nature, imposed upon Borrower or its properties, income, or profits,
     prior to the date on which penalties would attach, and all lawful claims
     that, if unpaid, might become a lien or charge upon any of Borrower's
     properties, income, or profits; provided however, Borrower will not be
     required to pay and discharge any such assessment, tax, charge, levy, lien
     or claim so long as (a) the legality of the same shall be contested in
     good faith by appropriate proceedings, and (b) Borrower shall have
     established on its books adequate reserves with respect to such contested
     assessment, tax, charge, levy, lien, or claim in accordance with generally
     accepted accounting principles. Borrower, upon demand of Lender, will
     furnish to Lender evidence of payment of the assessments, taxes, charges,
     levies, liens and claims and will authorize the appropriate governmental
     official to deliver to Lender at any time a written statement of any
     assessments, taxes, charges, levies, liens and claims against Borrower's
     properties, income, or profits.

     PERFORMANCE. Perform and comply with all terms, conditions, and provisions
     set forth in this Agreement and in the Related Documents in a timely
     manner, and promptly notify Lender if Borrower learns of the occurrence of
     any event which constitutes an Event of Default under this Agreement or
     under any of the Related Documents.

     OPERATIONS. Conduct its business affairs in a reasonable and prudent
     manner and in compliance with all applicable federal, state and municipal
     laws, ordinances, rules and regulations respecting its properties,
     charters, businesses and operations, including without limitation,
     compliance with the Americans With Disabilities Act, all applicable
     environmental statutes, rules, regulations and ordinances and with all
     minimum funding standards and other requirements of ERISA and other laws
     applicable to Borrower's employee benefit plans.

     ENVIRONMENTAL COMPLIANCE AND REPORTS. Borrower shall comply in all respects
     with all federal, state and local environmental laws, statutes, regulations
     and ordinances; not cause or permit to exist, as a result of an intentional
     or unintentional action or omission on its part or on the part of any third
     party, on property owned and/or occupied by Borrower, any environmental
     activity where damage may result to the environment, unless such
     environmental activity is pursuant to and in compliance with the conditions
     of a permit issued by the appropriate federal, state or local governmental
     authorities; and furnish to Lender promptly and in any event within thirty
     (30) days after receipt thereof a copy of any notice, summons, lien,
     citation, directive, letter or other communication from any governmental
     agency or instrumentality concerning any intentional or unintentional
     action or omission on Borrower's part in connection with any environmental
     activity whether or

<PAGE>   3

03-29-2001                  BUSINESS LOAN AGREEMENT                       PAGE 3
LOAN NO 26/42                     (CONTINUED)

================================================================================
     not there is damage to the environment and/or other natural resources.

     ADDITIONAL ASSURANCES.  Make, execute and deliver to Lender such
promissory notes, mortgages, deeds of trust, security agreements, financing
statements, instruments, documents, and other agreements as Lender or its
attorneys may reasonably request to evidence and secure the Loans and to
perfect all Security Interests.

NEGATIVE COVENANTS.  Borrower covenants and agrees with Lender that while this
Agreement is in effect, Borrower shall not, without the prior written consent
of Lender:

     MAINTAIN BASIC BUSINESS.  Engage in any business activities substantially
different than those in which Borrower is presently engaged.

     CONTINUITY OF OPERATIONS.  Cease operations, liquidate, dissolve or merge
or consolidate with or into any other entity.

CONDITIONS PRECEDENT TO ADVANCES.  If Lender is obligated to make any Loan
advances or to otherwise disburse any Loan proceeds to Borrower, such
obligation shall be subject to the conditions precedent that as of the date of
such advance or disbursement and after giving effect thereto (a) all
representations and warranties made to Lender in this Agreement and the Related
Documents shall be true and correct as of and as if made on such date, (b) no
material adverse change in the financial condition of Borrower or any Guarantor
since the effective date of the most recent financial statements furnished to
Lender, or in the value of any Collateral, shall have occurred and be
continuing, (c) no event has occurred and is continuing, or would result from
the requested advance or disbursement, which with notice to lapse of time, or
both, would constitute an Event of Default, (d) no Guarantor has sought,
claimed or otherwise attempted to limit, modify or revoke such Guarantor's
guaranty of any Loan, and (e) Lender has received all Related Documents
appropriately executed by Borrower and all other proper parties.

ADDITIONAL AFFIRMATIVE COVENANT - MINIMUM LIQUIDITY. Borrower further covenants
and agrees with Lender that, while this Agreement is in effect, Borrower will
maintain Minimum Liquidity of not less than $4,000,000.00. For purposes of this
Agreement, the term "Minimum Liquidity" means the sum of unencumbered cash and
marketable securities.

The Minimum Liquidity covenant will no longer be applicable if the aggregate
balance of outstanding leases is less than $900,000.00.

RIGHT OF SETOFF.  Unless a lien would be prohibited by law or would render a
nontaxable account taxable, Borrower grants to Lender a contractual security
interest in, and hereby assigns, conveys, delivers, pledges, and transfers to
Lender all Borrower's right, title and interest in and to, Borrower's accounts
with Lender (whether checking, savings, or any other account), including
without limitation all accounts held jointly with someone else and all
accounts Borrower may open in the future. Borrower authorizes Lender, to the
extent permitted by applicable law, to charge or setoff all sums owing on the
Indebtedness against any and all such accounts.

EVENTS OF DEFAULT.  Each of the following shall constitute an Event of Default
under this Agreement:

     DEFAULT ON INDEBTEDNESS.  Failure of Borrower to make any payment when due
     on any of the Indebtedness.

     OTHER DEFAULTS.  Failure of Borrower, any Guarantor or any Grantor to
     comply with or to perform when due any other term, obligation, covenant or
     condition contained in this Agreement, the Note or in any of the other
     Related Documents, or failure of Borrower to comply with or to perform any
     other term, obligation, covenant or condition contained in any other
     agreement now existing or hereafter arising between Lender and Borrower.

     FALSE STATEMENTS.  Any warranty, representation or statement made or
     furnished to Lender under this Agreement or the Related Documents is false
     or misleading in any material respect.

     DEFAULT TO THIRD PARTY.  The occurrence of any event which permits the
     acceleration of the maturity of any indebtedness owing by Borrower, Grantor
     or any Guarantor to any third party under any agreement or undertaking.

     BANKRUPTCY OR INSOLVENCY.  If the Borrower, Grantor or any Guarantor: (i)
     becomes insolvent, or makes a transfer in fraud of creditors, or makes an
     assignment for the benefit of creditors, or admits in writing its inability
     to pay its debts as they become due; (ii) generally is not paying its debts
     as such debts become due; (iii) has a receiver, trustee or custodian
     appointed for, or take possession of, all or substantially all of the
     assets of such party or any of the Collateral, either in a proceeding
     brought by such party or in a proceeding brought against such party and
     such appointment is not discharged or such possession is not terminated
     within sixty (60) days after the effective date thereof or such party
     consents to or acquiesces in such appointment or possession; (iv) files a
     petition for relief under the United States Bankruptcy Code or any other
     present or future federal or state insolvency, bankruptcy or similar laws
     (all of the foregoing hereinafter collectively called "APPLICABLE
     BANKRUPTCY LAW") or an involuntary petition for relief is filed against
     such party under any Applicable Bankruptcy Law and such involuntary
     petition is not dismissed within sixty (60) days after the filing thereof,
     or an order for relief naming such party is entered under any Applicable
     Bankruptcy Law, or any composition, rearrangement, extension,
     reorganization or other relief of debtors now or hereafter existing is
     requested or consented to by such party; (v) fails to have discharged
     within a period of sixty (60) days any attachment, sequestration or similar
     writ levied upon any property of such party; or (vi) fails to pay within
     thirty (30) days any final money judgment against such party.

     LIQUIDATION, DEATH AND RELATED EVENTS.  If Borrower, Grantor or any
     Guarantor is an entity, the liquidation, dissolution, merger or
     consolidation of any such entity or, if any of such parties is an
     individual, the death or legal incapacity of any such individual.

     CREDITOR OR FORFEITURE PROCEEDINGS.  Commencement of foreclosure or
     forfeiture proceedings, whether by judicial proceeding, self-help,
     repossession or any other method, by any creditor of Borrower, any creditor
     of any Grantor against any collateral securing the Indebtedness, or by any
     governmental agency.

EFFECT OF AN EVENT OF DEFAULT.  If any Event of Default shall occur, Lender
may, at its option, without further notice or demand, (a) terminate all
commitments and obligations of Lender to make Loans to Borrower, if any,
(b) declare all Loans and any other Indebtedness immediately due and payable,
(c) refuse to advance any additional amounts under the Note, or (d) exercise
all the rights and remedies provided in the Note or in any of the Related
Documents or available at law, in equity, or otherwise; provided, however, if
any Event of Default of the type described in the "Bankruptcy or Insolvency"
subsection above shall occur, all Loans and any other Indebtedness shall
automatically become due and payable, without any notice, demand or action by
Lender. Except as may be prohibited by applicable law, all of Lender's rights
and remedies shall be cumulative and may be exercised singularly or
concurrently. Election by Lender to pursue any remedies shall not exclude
pursuit of any other remedy, and an election to make expenditures or to take
action to perform an obligation of Borrower or any Grantor shall not affect
Lender's right to declare a default and to exercise its rights and remedies.

MISCELLANEOUS PROVISIONS.

     AMENDMENTS.  This Agreement, together with any Related Documents,
     constitutes the entire understanding and agreement of the parties as to the
     matters set forth in this Agreement. No alteration of or amendment to this
     Agreement shall be effective unless given in writing and signed by the
     party or parties sought to be charged or bound by the alteration or
     amendment.

     APPLICABLE LAW. This Agreement has been delivered to Lender and accepted by
     Lender in the State of Colorado. Subject to the provisions on arbitration,
     this Agreement shall be governed by and construed in accordance with the
     laws of the State of Colorado without regard to any conflict of laws or
     provisions thereof.

     JURY WAIVER. THE UNDERSIGNED AND LENDER (BY ITS ACCEPTANCE HEREOF) HEREBY
     VOLUNTARILY, KNOWINGLY, IRREVOCABLY AND UNCONDITIONALLY WAIVE ANY RIGHT
     TO HAVE A JURY PARTICIPATE IN RESOLVING ANY DISPUTE (WHETHER BASED UPON
     CONTRACT, TORT OR OTHERWISE) BETWEEN OR AMONG THE UNDERSIGNED AND LENDER
     ARISING OUT OF OR IN ANY WAY RELATED TO THIS DOCUMENT, AND ANY OTHER
     RELATED DOCUMENT, OR ANY RELATIONSHIP BETWEEN LENDER AND THE BORROWER. THIS
     PROVISION IS A MATERIAL INDUCEMENT TO LENDER TO PROVIDE THE FINANCING
     DESCRIBED HEREIN OR IN THE OTHER RELATED DOCUMENTS.

ARBITRATION.  Lender and Borrower agree that upon the written demand of either
party, whether made before or after the institution of any legal proceedings,
but prior to the rendering of any judgment in that proceeding, all disputes,
claims and controversies between them, whether individual, joint, or class in
nature, arising from this Agreement, any Related Document or otherwise,
including without limitation contract disputes and tort claims, shall be
resolved by binding arbitration pursuant to the Commercial Rules of the American
Arbitration Association ("AAA"). Any arbitration proceeding held pursuant to
this arbitration provision shall be conducted in the city nearest the Borrower's
address having an AAA regional office, or at any other place selected by mutual
agreement of the parties. No act to take or dispose of any Collateral shall
constitute a waiver of this arbitration agreement or be prohibited by this
arbitration agreement. This arbitration provision shall not limit the right of
either party during any dispute, claim or controversy to seek, use, and employ
ancillary, or preliminary rights and/or remedies, judicial or otherwise, for the
purposes of realizing upon, preserving, protecting, foreclosing upon or
proceeding under forcible entry and detainer for possession of, any real or
personal property, and any such action shall not be deemed an election of
remedies. Such remedies include, without limitation, obtaining injunctive relief
or a temporary restraining order, invoking a power of sale under any deed of
trust or mortgage, obtaining a writ of attachment or imposition of a
receivership, or exercising any rights relating to personal property, including
exercising the right of set-off, or taking or disposing of such property with or
without judicial process pursuant to the Uniform Commercial Code. Any disputes,
claims, or controversies concerning the lawfulness or reasonableness of an act,
or exercise of any right or remedy, concerning any Collateral, including any
claim to rescind, reform, or otherwise modify any agreement relating to the
Collateral, shall also be arbitrated; provided, however that no arbitrator shall
have the right or the power to enjoin or restrain any act of either party.
Judgment upon any award rendered by any arbitrator may be entered in any court
having jurisdiction.

<PAGE>   4
03-29-2001                  BUSINESS LOAN AGREEMENT                       PAGE 4
LOAN NO 26/42                     (CONTINUED)
================================================================================
    The statute of limitations, estoppel, waiver, laches and similar doctrines
    which would otherwise be applicable in an action brought by a party shall be
    applicable in any arbitration proceeding, and the commencement of an
    arbitration proceeding shall be deemed the commencement of any action for
    these purposes. The Federal Arbitration Act (Title 9 of the United States
    Code) shall apply to the construction, interpretation, and enforcement of
    this arbitration provision.

    CAPTION HEADINGS. Caption headings in this Agreement are for convenience
    purposes only and are not to be used to interpret or define the provisions
    of this Agreement.

    CONSENT TO LOAN PARTICIPATION. Borrower agrees and consents to Lender's
    sale or transfer, whether now or later, of one or more participation
    interests in the Loans to one or more purchasers, whether related or
    unrelated to Lender. Lender may provide, without any limitation whatsoever,
    to any one or more purchasers, or potential purchasers, any information or
    knowledge Lender may have about Borrower or about any other matter
    relating to the Loan, and Borrower hereby waives any rights to privacy it
    may have with respect to such matters. Borrower additionally waives any and
    all notices of sale of participation interests, as well as all notices of
    any repurchase of such participation interests.

    COSTS AND EXPENSES. Borrower agrees to pay upon demand all of Lender's
    expenses, including attorneys' fees, incurred in connection with the
    preparation, execution, enforcement, modification and collection of this
    Agreement or in connection with the Loans made pursuant to this Agreement.
    Lender may hire one or more attorneys to help collect the Indebtedness if
    Borrower does not pay, and Borrower will pay Lender's reasonable attorneys'
    fees.

    NOTICES. All notices required to be given under this Agreement shall be
    given in writing, and shall be effective when actually delivered or when
    deposited with a nationally recognized overnight courier or deposited in
    the United States mail, first class, postage prepaid, addressed to the
    party to whom the notice is to be given at the address shown above. Any
    party may change its address for notices under this Agreement by giving
    formal written notice to the other parties, specifying that the purpose of
    the notice is to change the party's address. To the extent permitted by
    applicable law, if there is more than one Borrower, notice to any Borrower
    will constitute notice to all Borrowers. For notice purposes, Borrower will
    keep Lender informed at all times of Borrower's current address(es).

    SEVERABILITY. If a court of competent jurisdiction finds any provision of
    this Agreement to be invalid or unenforceable as to any person or
    circumstance, such finding shall not render that provision invalid or
    unenforceable as to any other persons or circumstances. If feasible, any
    such offending provision shall be deemed to be modified to be within the
    limits of enforceability or validity; however, if the offending provision
    cannot be so modified, it shall be stricken and all other provisions of this
    Agreement in all other respects shall remain valid and enforceable.

    COUNTERPARTS. This Agreement may be executed in one or more counterparts,
    each of which shall be deemed an original and all of which together shall
    constitute the same document. Signature pages may be detached from the
    counterparts to a single copy of this Agreement to physically form one
    document.

    SUCCESSORS AND ASSIGNS. All covenants and agreements contained by or on
    behalf of Borrower shall bind its successors and assigns and shall inure to
    the benefit of Lender, its successors and assigns. Borrower shall not,
    however, have the right to assign its rights under this Agreement or any
    interest therein, without the prior written consent of Lender.

    SURVIVAL. All warranties, representations, and covenants made by Borrower
    in this Agreement or in any certificate or other instrument delivered by
    Borrower to Lender under this Agreement shall be considered to have been
    relied upon by Lender and will survive the making of the Loan and delivery
    to Lender of the Related Documents, regardless of any investigation made by
    Lender or on Lender's behalf.

    TIME IS OF THE ESSENCE. Time is of the essence in the performance of this
    Agreement.

    WAIVER. Lender shall not be deemed to have waived any rights under this
    Agreement unless such waiver is given in writing and signed by Lender. No
    delay or omission on the part of Lender in exercising any right shall
    operate as a waiver of such right or any other right. A waiver by Lender of
    a provision of this Agreement shall not prejudice or constitute a waiver of
    Lender's right otherwise to demand strict compliance with that provision or
    any other provision of this Agreement. No prior waiver by Lender, nor any
    course of dealing between Lender and Borrower, or between Lender and any
    Grantor or Guarantor, shall constitute a waiver of any of Lender's rights
    or of any obligations of Borrower or of any Grantor as to any future
    transactions. Whenever the consent of Lender is required under this
    Agreement, the granting of such consent by Lender in any instance shall not
    constitute continuing consent in subsequent instances where such consent is
    required, and in all cases such consent may be granted or withheld in the
    sole discretion of Lender.

BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS BUSINESS LOAN
AGREEMENT, AND BORROWER AGREES TO ITS TERMS. THIS AGREEMENT IS EXECUTED AS OF
THE DATE SET FORTH ABOVE.

BORROWER:

THE TRIZETTO GROUP, INC., A DELAWARE CORPORATION

By: /s/ D. BRIAN KARR
    ----------------------------------------
    D. BRIAN KARR, VICE PRESIDENT OF FINANCE

LENDER:

Bank One, Colorado, NA

By:
    ----------------------------------------
    AUTHORIZED OFFICER

================================================================================

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