Document:

BUSINESS LOAN AGREEMENT

TO:    Boyle Leasing Technologies, Inc. (BLT)
       950 Winter Street
       Waltham, MA 02154

The undersigned, Cooperative Images, Inc., a New Jersey corporation, and
Elective Investments, Inc., a Pennsylvania corporation, both with a principal
place of business at 210 West Fourth Street, Suite 101, East Stroudsburg, PA
18301 (collectively known hereafter as the Borrower) hereby applies to BLT
(the Lender) for a revolving term loan of up to Six Million ($6,000,000.00)
Dollars (the Revolving Loan or the Loan) to be advanced as hereinafter
provided and to be evidenced by a Secured Revolving Credit Note (the Revolving
Note) of even date. The Lender may, in its discretion, from, time to time,
make advances comprising the Revolving Loan to the Borrower upon the
Borrower's request; provided, however, that:

(a)    No advance will be made if, after giving effect to the Borrower's
request for such advance, the outstanding principal balance of the Revolving
Loan would exceed the lesser of

(i) $6,000,000.00, or

(ii) the sum of ninety-five (95%) percent of the present value of the amount
of payments due under the Eligible Collateral (as defined in the Security
Agreement executed with this Agreement), net of any deposit held by Borrower,
deemed eligible by Lender in its sole discretion, discounted at the rate equal
to 20%.
Notwithstanding the foregoing, if, for any reason, the principal amount of
aggregate advances outstanding under the Revolving Loan exceeds $6,000,000.00,
the Borrower shall immediately repay any such excess.

(b) No advance will be made (i) after July 31, 1998 (the Expiration Date),
(ii) upon the occurrence of an event of default under the Revolving Note that
is not timely cured or (iii) upon Borrower's Default under any of its
contracts, agreements, representations, warranties or other obligations under
or contained in this agreement or in the security agreement entered into in
connection herewith; and the entire unpaid balance of the Revolving Loan,
together with all unpaid interest accrued thereon and all accrued and unpaid
fees, if any, shall be due and payable in full ON DEMAND and if not sooner
demanded on August 1, 1998 (the Termination Date).

(c) Prior to the close of the Lender's business on the Expiration Date, the
Borrower may repay, in whole or in part, the principal amount of the Revolving
Loan provided that the borrower is not then in default under any of the terms
or provisions of this agreement, the Revolving Note, or any of the other
documents entered into by Borrower in connection therewith or pursuant
thereto; and may reborrow sums repaid in accordance with the terms of this
Agreement.

(d) For purposes of the borrowing eligible note payments are those which are
owing to the Borrower which (at all times from creation until collection in
full):

(i) arose fro::, a usual business transaction (in the ordinary course of
business and not to any employee or affiliate of the Borrower) of services by
the Borrower which have been performed for the account debtor;

(ii) are not subject to any assignment, claim, attachment or security interest
of any hind whatsoever, except ire favor of Lender and except for security
interests specifically subordinated to the bender's security interest;

(iii) are not subject to set off, credit, allowance or adjustment by the
account debtor (except for security deposits held by Borrower); and

(iv) do not involve; (a) any account debtor as to which the Borrower has
knowledge of any existing, pending, threatened or stayed bankruptcy or
insolvency proceeding, or (b) any note or account debtor which, in the opinion
of the Lender, is considered by the Lender to be unacceptable for any reason.

(e) The Borrower shall maintain an operating demand deposit: account and lock
box with an agreed upon. Lending Institution and hereby authorizes the Lender
to debit that account for any payments required to be made under the Revolving
Note.

(f) interest and principal on the Loan shall be repaid at the rate and in the
manner set forth in the Revolving Note. The principal balance of the Loan
shall be payable when due or in the event of default, provided, however, that
Lender reserves the tight, in its sole and absolute discretion, to "term out"
some or all of the principal balance, in lieu of making demand, upon terms and
conditions satisfactory to the Lender in all respects.

(g) Borrower will not:

(i) (Minimum Cash Flow Coverage) permits its cash flow on the collateral
portfolio, at the end of any fiscal monthly period, to be less than 75% of all
expected cash flow generated on said collateral portfolio. The term Expected
Cash Flow shall mean Borrower's monthly receivable and associated fees on any
given consumer note agreement.

(ii) For purposes of this section and section (iii) below, (A) tangible net
worth (TNW) shall mean stockholders equity determined in accordance with
generally accepted accounting principles consistently applied, subtracting
therefrom: (1) intangibles (as determined in accordance with such principles
so applied); and (2) accounts and indebtedness owing to Borrower- from any
director, officer, employee or parent, subsidiary, or other affiliate of
Borrower; and (B) subordinated debt shall means debt which is expressly stated
to be subordinated or junior in right of payment to Borrower's obligations to
Lender.

(iii) (Minimum Tangible Net Worth) at any time during the Borrower's fiscal
year ending December 31, 1997, permit its TNW to be less than Seventy-Five
Thousand Dollars ($75,000); and at any time during each subsequent fiscal
year, the Borrower will not permit the TNW to be less than Sixty Thousand
Dollars ($60,000.00) plus an amount equal to One-Hundred Percent (100%) of the
net income of Borrower for each of the preceding quarters beginning with the
Borrower's fiscal year ending September 30, 1997.

(iv) Net Losses the Borrowers will not suffer net losses for any two
consecutive fiscal quarters,

(h) Borrower shall furnish the Lender monthly, within thirty (30) days after
the end of each monthly period, with. a Covenant Compliance Certificate
indicating its compliance or lack thereof with each of the financial covenants
set forth in section (g) above.

(i) 5% Holdback Pool. Lender shall withhold 5% of the funded amount on each
advance of Consumer Note Pools. Each amount so withheld shall be designated as
the Cash Holdback Pool for that particular funding advance. Each Cash Holdback
Pool will be released upon full payment of said loan. All loans must be
current and fully collateralized for any Cash Holdback pool to be released.

The Revolving Note is incorporated herein to the same extent as if set forth
in full in this Agreement.

Borrower, in consideration of the Loan to Borrower, hereby warrants,
represents and agrees as follows:

1. Borrower will continue its business, will not use Revolving Loan proceeds
to engage in any other unrelated business without the prior written consent of
the Lender and will use the proceeds of the Loan only for working capital
purposes.

2. The Borrower is duly organized, validly existing and in good standing as a
corporation under the laws of the States of New organized, and Pennsylvania
respectively and is duly qualified and authorized to do business in, and is in
good standing in, each other jurisdiction in which the conduct of its business
requires it to be so qualified.

3. The execution and delivery of the Revolving Note and this Agreement, -and
the execution and delivery of the Security Agreement entered into pursuant
hereto, and the performance by the Borrower of its obligations hereunder and
thereunder and the consummation by the Borrower of the transactions
contemplated hereby end thereby have been duly authorized by all requisite
action on the part of the Borrower and its members/managers and no other
proceedings on the part of the Borrower or its members/managers are necessary
to authorize this Agreement or to consummate the transactions contemplated
hereby.

4. The Borrower has ail necessary power and authority to .enter into the
Revolving Note and this Agreement, and the Security Agreement entered into
pursuant hereto, and to carry out and perform its obligations hereunder and
thereunder and to consummate the transactions contemplated hereby and thereby.

5. The Revolving Note and this Agreement, and the Revolving Note and the
Security Agreement entered into pursuant hereto, have been duly executed and
delivered by the Borrower and (assuming due authorization, execution and
delivery by the other parties thereto) constitute the legal, valid and binding
obligations of the Borrower enforceable against the Borrower in accordance
with their terms.

6. The execution and delivery of the Revolving Note and this Agreement and the
execution and delivery of the Security Agreement entered into pursuant hereto,
do not, and the performance hereof and thereof by the Borrower will not, (i)
conflict with or violate the articles of organization or operating agreement
of the Borrower, (ii) conflict with or violate any law, regulation, directive,
decision or governmental or judicial order or decree applicable to the
Borrower or by which the Borrower or any of its assets, properties or business
is bound, or (iii) conflict with, result in any breach of, constitute a
default (or an event that with the giving of notice or the lapse of time, or
both, would become a default) under, or give to others any rights of
termination, amendment, acceleration, suspension, revocation or cancellation
of, or result in the creation of any lien or encumbrance of any kind on any of
the assets or properties of the Borrower pursuant to, any note, bond,
mortgage, indenture, contract, agreement, lease, license, permit, franchise or
other instrument or arrangement to which the Borrower is a party or by which
the Borrower, or any of its assets or properties, is bound.

7. Except for such as have already been obtained by the Borrower and which are
in full force and effect, no consent of any third party and no consent,
approval, license or authorization of, or declaration or filing with, or
exemption by, any governmental or judicial authority, bureau or agency is
required in connection with the execution, and delivery by the Borrower, or in
connection. with the validity or enforceability, of the Revolving Note or this
Agreement, or the Security Agreement entered into pursuant hereto, or the
performance by the Borrower of its obligations hereunder and thereunder or the
consummation of any of the transactions contemplated hereby or thereby.

8. Borrower's balance sheet as of December 31, 1996, and the related statement
of income and retained earnings for the fiscal period ending on such date,
both of which have been delivered to Lender, are complete and correct and have
been prepared in accordance with generally accepted accounting principles
consistently applied throughout the period involved. There are no liabilities
of Borrower contingent or otherwise not disclosed in said balance sheet and
since the date of such balance sheet there has been no change in the assets,
liabilities, financial condition or business of Borrower shown thereon other
than changes in the ordinary course of business, the effect of which has not
been in the aggregate materially adverse

9. Borrower will furnish to Lender (on a consolidated and consolidating basis)
within ninety (90) days after the close of each fiscal year of Borrower, a
balance sheet as of the close of such year and an income statement and
statement of retained earnings for such year for Borrower audited by an
independent certified public accountant selected by Borrower and satisfactory
to Lender; will furnish to Lender (on a consolidated and consolidating basis)
a balance sheet and operating figures for each monthly fiscal period within
thirty (30) days after the end of such month, certified by the chief financial
officer of Borrower; and will furnish a borrowing base certificate and a note
aging on or prior to the fifteenth (15th) day of each monthly period (and at
the time of any request for an advance), and such other data as Lender may
from time to time request; and will at all reasonable times permit
representatives of Lender to inspect and make extracts from Borrower's books
and records

10. Borrower will maintain its books dad records relating to its financial
affairs at all times in accordance with, and all financial statements provided
for herein shall be prepared is accordance with generally accepted accounting
principles consistently applied.

11. Borrower will not pay any dividends on any class of capital stock or make
any other distribution or payment on account of or in redemption of capital
stock, or permit any withdrawals from or distributions of the assets of
Borrower, except cash dividends paid by the Borrower not to exceed, in the
aggregate in any fiscal year, an amount equal to thirty-eight (38%) of
Consolidated Net Income (GAAP) for the immediately preceding fiscal year
provided that no Default shall have occurred and be continuing and, that the
borrower may pay reasonable salaries or compensation to employees and
contractors for services rendered by them to the Borrower,

12. Borrower will maintain insurance with financially sound and reputable
insurers, insuring Borrower's properties and business against such casualties
and contingencies and in such types and such amounts as shall be in accordance
with sound business practices.

13. Without the prior written consent of Lender, Borrower will not;

(a) Create or permit to exist any mortgage, pledge, security interest or other
lien or encumbrance on any of Borrower's property assigned to Lender as
collateral for the Loan except (i) those arising from attachments or similar
proceedings, pending litigation, judgments or taxes or assessments whose
validity or amount is currently being contested in good faith by appropriate
proceedings and for which adequate reserves have been established and
maintained in accordance with generally accepted accounting principles, or
taxes and assessments which are not due and delinquent; (ii) liens of
carriers, warehousemen, mechanics and material men and other like liens, (iii)
pledges or deposits made in connection with workmen's compensation,
unemployment or other insurance, old age pensions or other social security
benefits, and good faith deposits in connection with tenders, contracts or
leases to which Borrower is a party, or deposits to secure, or in lieu of,
surety, penalty or appeal bonds, performance bonds and other similar
obligations; (iv) security interests specifically subordinated to the Lender's
security interest; and (v) in favor of Lender.

(b) Purchase or acquire any securities of or .make any loans or advances to or
investments in any firm or corporation, except obligations of the United
States government or any agency of the United States government or obligations
of United States commercial lending institutions with total assets of not less
than One Billion Dollars(S1,000,000,000.00) and a net worth of not less than
Forty :Million Dollars ($40,000,000.00);

(c) Merge or consolidate or sell or dispose of all or a portion of Borrower's
assets other than in the ordinary course of business, or in any way or manner
alter Borrowers capital structure, including the sale, transfer or redemption
of any shares of the Borrower.

14. Without in any way effecting the nature of the Revolving Note or in any
manner making the following prerequisites for the Lender's requiring
repayment, the advances constituting the Revolving Loan and any and all other
obligations of Borrower to Lender, direct or indirect, absolute or contingent,
due or to become due, now existing or hereafter arising (collectively, the
Obligations) shall at Lender's option become immediately due and payable
without notice or demand at any time after: (a) default in the payment or
performance of any Obligation; (b) default in the observance by Borrower of
any of the terms of this Agreement, or in the revolving note or any other
document or other agreement entered into pursuant hereto or in connection with
the transactions contemplated hereby. including, without limitations the
financial covenants contained herein or therein; (c) dissolution, termination
of existence, insolvency, business failure, appointment of a receiver of any
part of the property of, assignment for the benefit of creditors by, or the
commencement of any proceedings under any bankruptcy or insolvency laws by or
against Borrower or any party secondarily liable under any of the obligations;
or (d) termination of any guaranty by any guarantor of any of the obligations.

15. Any deposits or other sums at any time credited by or due from Lender to
Borrower and any securities or other property of Borrower in Lender's
possession may at ail times be held and treated as security for payment of the
Obligations. In the event any one or more of the events of default set forth
in Paragraph 8 shall have occurred or be continuing, then regardless of the
adequacy of any collateral, any deposits or other sums credited by or due from
Lender to Borrower may be set off against any and all of the Obligations.

l6. The Lender shall have the right review and/or to audit Borrower's books
and records annually, or at such greater frequency as Lender may reasonably
deem appropriate, at Borrower's expense.

17. No failure or delay on Lender's part in exercising, any right hereunder
shall operate as a waiver thereof of any other right. No waiver hereunder
shall be effective unless in writing and a waiver on any one occasion shall
not be a waiver of any right or remedy on any future occasion.

I8. In case of a default in the performance of the Obligations, Borrower will
pay to Lender such, further amount as shall be sufficient to cover the cost
end expense of collection including (without limitation), attorney's fees and
expenses.

19. Governing Law. This Agreement has been made in, and shall be construed in
accordance with the laws of the Commonwealth of Massachusetts and the
obligations, rights and remedies of the parties hereunder shall be determined
in accordance with the internal laws of the Commonwealth of Massachusetts,
without regard to any conflicts of laws provisions and shall take effect as an
instrument under seal. ANY LEGAL ACTIONS OR PROCEEDING WITH RESPECT TO THIS
AGREEMENT SHALL BE BROUGHT IN ANY STATE OR FEDERAL COURT LOCATED IN THE
COMMONWEALTH OF MASSACHUSETTS EXCLUSIVELY AND BY EXECUTION AND DELIVERY OF
THIS AGREEMENT, THE PARTIES IRREVOCABLY CONSENT EACH FOR ITSELF AND IN RESPECT
OF ITS PROPERTY, TO THE JURISDICTION OF THOSE COURTS. THE PARTIES IRREVOCABLY
WAIVE ANY OBJECTION, INCLUDING ANY OBJECTION TO THE LAYING OF VENUE OR BASED
ON THE GROUNDS OF FORUM NON CONVENIENS, WHICH EITHER MAY NOW OR HEREAFTER HAVE
TO THE BRINGING OF ANY ACTION OR PROCEEDING IN SUCH JURISDICTION IN RESPECT OF
THIS AGREEMENT OR ANY DOCUMENT RELATED HERETO, AND AGREE THAT ANY FINAL
JUDGMENT IN ANY SUCH ACTION OR PROCEEDING SHALL BE CONCLUSIVE AND MAY BE
ENFORCED IN ANY OTHER JURISDICTION BY SUIT ON THE JUDGMENT OR IN ANY OTHER
MANNER PROVIDED BY LAW. THE PARTIES WAIVE THE RIGHT TO TRIAL BY JURY IN ANY
ACTION ARISING OUT OF THIS AGREEMENT.

IN WITNESS WHEREOF, Borrower has executed and delivered this Business Loan
Agreement on the date below written.

EXECUTED this 5TH day of August, 1997.

WITNESS:     COOPERATIVE IMAGES, INC. and ELECTIVE INVESTMENTS, INC.

                               By: /s/ Gerard A. Powell
                                   --------------------
                               Gerard A, Powell, Chief Executive Officer

                               By: /s/ Charlie Lynn Trapasso
                                   -------------------------
                               Charlie Lynn Trapasso, Secretary

                               BOLE LEASING TECHNOLOGIES, INC.

                               By: /s/ J. Gregory Hines
                                   --------------------
                               J. Gregory Hines, Vice-PresidentVendor Agreement

Vendor/Dealer Name  Cooperative Images Inc./Elective Investments
Contact Name        Gerry Powell
Street Address      210 West Fourth St. Ste 101
City             East Stroudsburg    State PA    Zip 18301
Phone No.                    Fax No.
Products:  Elective Surgery         Date

This document states our agreement (Agreement) concerning the lease programs
to be furnished by Leasecomm Corporation, referred to below as "LC" and the
above named Vendor/Dealer referred to below as "you" or "your company". We
agree as follows:

1. From time to time you will submit to LC applications for lease credit
approval covering equipment and/or software licenses (hereinafter "Product")
your company sells. You shall perform such services on behalf of your customer
and not as an agent of LC. Nothing to this agreement shall be deemed to create
a partnership or joint venture between you and LC or constitute you as the
agent of LC. You agree not to act as or represent yourself as an agent,
partner or joint venture: of LC.

2. You must present LC with a complete lease package within 30 days of
authorization to receive funding. A completed lease package must include a
lease application and agreement with the appropriate signatures and
information requested (including your signed bill of sale on the reverse side
of the lease agreement), an advance payment check from the Lessee made payable
to LC (advance payment checks in the amount of $500.00 or more must be bank
cheeks; personal or company check, will not be accepted), your invoice for the
Product equal to the funded amount of the lease, verification of the lessee's
signature and an insurance binder covering the value of the Product that names
LC as the loss payee. For funded amounts of $7.500.00 or more LC also requires
a filing of a UCC form naming LC as the owner of the Product, prior to
funding.

3. You warrant that each least you submit: will be properly executed by the
lessee and guarantor(s); no promises or representations have been made by you,
your employees or your agents, to the lessee which are not contained in or
contradict the written Lease; the lease is not in default by you or the
Lessee: the lease as executed by the lessee will be the only lease executed
covering the Product to be leased; you have good and marketable title to the
Product which is subject to the lease, free and clear of ;any and all liens,
charges, encumbrances, mortgages, pledges. security Interests and claims of
any kind: following the transfer of the lease and Product to LC, LC will have
good title to the Product. feee and clear of any such liens and encumbrances:
the lease, the assignment by you and the bill of sale are valid and binding
obligations, enforceable in accordance with the stated terms without
alteration; you have not agreed to any modification or waiver of the lease
terms without the express written consent of an authorized officer of LC; and
your business activiees in the preparation, and execution or all lease
documents are in compliance with all applicable laws, ordinance, rules and
regulations (whether federal. state or local) and you possess any and all
permits, licenses and consents as may be necessary in connection therewith.

4. You shall not accept collections from lessees or repossess or consent to
the return of leased Products. Any payment you receive from a Lessee with
respect to a lease transaction will be received in trust for LC and will be
promptly remitted to LC In the same form received,

5. You will perform or cause to be performed, at no cost to LC, all
maintenance and service on the Product required under warranties or
maintenance contracts. After the expiration of such warranties and/or any
maintenance contracts, you will perform or cause to be performed all
maintenance and servlce on the Product reasonably requested by LC at
reasonable cost. You agree to provide LC with product from your product lines,
at your cost for the purpose of fulfilling Loss or Damage Waiver claims.

6. In the event any Lessee defaults is its obligations to LC (for the purpose
or this -agreement a lease shall be deemed to be in default if the Lessee
violates any material covenant of the lease), you agree to an arrangement
whereby at LC's request you will assist in recovery of the Product and repair
and recondition of same and remarketing saidproduct on terms to be netotiated
at that time. Should the Lessee fail to make at least one full monthly payment
beyond any advance or down payment and/or if the Lessee's first authorized ACH
debit is declined by the Bank (provided the reason for the decline was not due
to LC's error), LC will notify you and you will have 5 months to assist in
getting the lesse to pay LC. If after the 5 months LC has not received the
first full monthly payment LC will charge you back the original funded amount
of the Lease.

7. You agree to indemnify and hold LC harmless from all losses, damages,
liabilities and expenses (including reasonable attorney's fees and court
costs) which may result any claim or action against LC by any Lessee arising
out of any action. or omission by you in connection with the execution of the
lease, any representation or warranty made to the Lessee, or any other claim
of any nature arising out of the leasing of the Product by you to the Lessee.

8. LC reserves the right to charge you back for funded amounts damages and/or
reasonable expenses it may incur for your violations of the provisions of
Paragraphs 3.4.5.6.or 7 of this agreement. Any, such chargebacks may at LC'S
option. be offset from current fundings and shall be separate from transfers
pursuant to Goldplan. reserve or loss/destruction reimbursements. Should
current fundings be insufficient to cover the amount of any chargebacks. LC
shall notify you of the amount of the chargeback and you shall forthwith remit
the necessary funds for same. LC will thereupon assign the lease to you
without recourse.

9. Either you or LC may terminate this agreement at any time by written notice
to the other. No termination will affect the obligations of either party with
respect to lease transactions entered before the date of termination.

10. If you elect to participate in Leasecomm DirectTM you agree to safeguard
your password and access to your account and to indemnify and hold LC harmless
from any and all damages, losses and 1iabilities incurred or suffered as a
result of, or incident to, any action by persons other than LC employees. You
further agree to use the system only for it's stated purpose. Failure to do so
may result in the immediate termination of your access to Leasecomm DirectTM.

11. This Agreement is the only and entire Agreement between LC and you and
supersedes, terminates and voids all other agreements, whether oral or written
between the parties with respect to the subject matter hereof. This Agreement
is for the sole use and benefit of your company, may not be assigned or
transferred by you, and any attempted assignment or transfer by you shall be
void.

l2. This Agreement shall be considered to be MASSACHUSETTS contract and shall
be deemed to have been made in Middlesex County, Massachusetts, regardless of
the order in which the signatures of the order in which the signatures of the
parties shall be affixed hereto, and shall be interpreted and the rights and
liabilities of the parties hereon determined, in accordance with the law and
any suit brought shall be brought exclusively in the court of the Commonwealth
of Massachussets. The undersigned hereby consents and submits to the
jurisdiction of the courts of the Commonwealth of Massachussets for the
purposes of any suit action or other proceeding arising out of the undersigned
obligations hereunder, and expressly waives any objection to venue in any such
courts.

I have read and agree to the terms and conditions of this Agreement. I certify
that I am an authorized signer for the Vendor listed above.

Signature

Print Name and Title

Accepted for Leasecomm                          Vendor Code

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