Document:

<PAGE>   1

                                                                   EXHIBIT 10.21

[BANK-ONE LOGO]

                                PROMISSORY NOTE

<TABLE>
------------------------------------------------------------------------------------------------------------------
<S>             <C>          <C>          <C>        <C>        <C>           <C>           <C>          <C>
PRINCIPAL        LOAN DATE    MATURITY    LOAN NO     CALL      COLLATERAL     ACCOUNT      OFFICER      INITIALS
$3,000,000.00   10-27-1999   11-04-2000              106525        328        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>

BORROWER:  THE TRIZETTO GROUP, INC., A DELAWARE
           CORPORATION
           567 SAN NICOLAS DRIVE - SUITE 360
           NEWPORT BEACH, CA 92660

LENDER:    Bank One, Colorado, NA
           Corporate Lending - Boulder
           1125 17th Street
           Denver, CO 80217

PRINCIPAL AMOUNT: $3,000,000.00                   DATE OF NOTE: OCTOBER 27, 1999

PROMISE TO PAY. FOR VALUE RECEIVED, THE TRIZETTO GROUP, INC., A DELAWARE
CORPORATION ("BORROWER") PROMISES TO PAY TO BANK ONE, COLORADO, NA ("LENDER"),
OR ORDER, IN LAWFUL MONEY OF THE UNITED STATES OF AMERICA, THE PRINCIPAL AMOUNT
OF THREE MILLION & 00/100 DOLLARS ($3,000,000.00) ("TOTAL PRINCIPAL AMOUNT") OR
SO MUCH AS MAY BE OUTSTANDING, TOGETHER WITH INTEREST ON THE UNPAID OUTSTANDING
PRINCIPAL BALANCE FROM THE DATE ADVANCED UNTIL PAID IN FULL.

PAYMENT. THIS NOTE SHALL BE PAYABLE AS FOLLOWS: INTEREST SHALL BE DUE AND
PAYABLE MONTHLY AS IT ACCRUES, COMMENCING ON DECEMBER 4, 1999 AND CONTINUING ON
THE SAME DAY OF EACH MONTH THEREAFTER DURING THE TERM OF THIS NOTE, AND THE
OUTSTANDING PRINCIPAL BALANCE OF THIS NOTE, TOGETHER WITH ALL ACCRUED BUT UNPAID
INTEREST, SHALL BE DUE AND PAYABLE ON NOVEMBER 4, 2000. The annual interest rate
for this Note is computed on a 365/360 basis; that is, by applying the ratio of
the annual interest rate over a year of 360 days, multiplied by the outstanding
principal balance, multiplied by the actual number of days the principal balance
is outstanding. Borrower will pay Lender at the address designated by Lender
from time to time in writing. If any payment of principal of or interest on this
Note shall become due on a day which is not a Business Day, such payment shall
be made on the next succeeding Business Day. As used herein, the term "BUSINESS
DAY" shall mean any day other than a Saturday, Sunday or any other day on which
national banking associations are authorized to be closed. Unless otherwise
agreed to, in writing, or otherwise required by applicable law, payments will be
applied first to accrued, unpaid interest, then to principal, and any remaining
amount to any unpaid collection costs, late charges and other charges, provided,
however, upon delinquency or other default, Lender reserves the right to apply
payments among principal, interest, late charges, collection costs and other
charges at its discretion The books and records of Lender shall be prima facie
evidence of all outstanding principal of and accrued but unpaid interest on this
Note. This Note may be executed in connection with a loan agreement. Any such
loan agreement may contain additional rights, obligations and terms.

VARIABLE INTEREST RATE. THE INTEREST RATE ON THIS NOTE IS SUBJECT TO FLUCTUATION
BASED UPON THE PRIME RATE OF INTEREST IN EFFECT FROM TIME TO TIME (THE "INDEX")
(WHICH RATE MAY NOT BE THE LOWEST, BEST OR MOST FAVORABLE RATE OF INTEREST WHICH
LENDER MAY CHARGE ON LOANS TO ITS CUSTOMERS). "PRIME RATE" SHALL MEAN THE RATE
ANNOUNCED FROM TIME TO TIME BY LENDER AS ITS PRIME RATE. EACH CHANGE IN THE RATE
TO BE CHARGED ON THIS NOTE WILL BECOME EFFECTIVE WITHOUT NOTICE ON THE SAME DAY
AS THE INDEX CHANGES. EXCEPT AS OTHERWISE PROVIDED HEREIN, THE UNPAID PRINCIPAL
BALANCE OF THIS NOTE WILL ACCRUE INTEREST AT A RATE PER ANNUM WHICH WILL FROM
TIME TO TIME BE EQUAL TO THE SUM OF THE INDEX, PLUS 0.500%. NOTICE: UNDER NO
CIRCUMSTANCES WILL THE INTEREST RATE ON THIS NOTE BE MORE THAN THE MAXIMUM RATE
ALLOWED BY APPLICABLE LAW.

PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges
are earned fully as of the date of the loan and will not be subject to refund
upon early payment (whether voluntary or as a result of default), except as
otherwise required by law. Except for the foregoing, Borrower may pay without
fee all or a portion of the principal amount owed hereunder earlier than it is
due. All prepayments shall be applied to the indebtedness owing hereunder in
such order and manner as Lender may from time to time determine in its sole
discretion.

LATE CHARGE. If a payment is 10 DAYS OR MORE LATE, Borrower will be charged
5.000% OF THE REGULARLY SCHEDULED PAYMENT OR $25.00, WHICHEVER IS GREATER.

DEFAULT. Borrower will be in default if any of the following happens (a)
Borrower fails to make any payment of principal or interest when due under this
Note or any other indebtedness owing now or hereafter by Borrower to Lender; (b)
failure of Borrower or any other party to comply with or perform any term,
obligation, covenant or condition contained in this Note or in any other
promissory note, credit agreement, loan agreement, guaranty, security agreement,
mortgage, deed of trust or any other instrument, agreement or document, whether
now or hereafter existing, executed in connection with this Note (the Note and
all such other instruments, agreements, and documents shall be collectively
known herein as the "RELATED DOCUMENTS"); (c) Any representation or statement
made or furnished to Lender herein, in any of the Related Documents or in
connection with any of the foregoing is false or misleading in any material
respect, (d) Borrower or any other party liable for the payment of this Note,
whether as maker, endorser, guarantor, surety or otherwise, becomes insolvent or
bankrupt, has a receiver or trustee appointed for any part of its property,
makes an assignment for the benefit of its creditors, or any proceeding is
commenced either by any such party or against it under any bankruptcy or
insolvency laws, (e) the occurrence of any event of default specified in any of
the other Related Documents or in any other agreement now or hereafter arising
between Borrower and Lender; (f) the occurrence of any event which permits the
acceleration of the maturity of any indebtedness owing now or hereafter by
Borrower to any third party; or (g) the liquidation, termination, dissolution,
death or legal incapacity of Borrower or any other party liable for the payment
of this Note, whether as maker, endorser, guarantor, surety, or otherwise.

LENDER'S RIGHTS. Upon default, Lender may at it option, without further notice
or demand (i) declare the entire unpaid principal balance on this Note, all
accrued unpaid interest and all other costs and expenses for which Borrower is
responsible for under this Note and any other Related Document immediately due,
(ii) refuse to advance any additional amounts under this Note, (n) foreclose all
liens securing payment hereof, (iv) pursue any other rights, remedies and
recourses available to the Lender, including without limitation, any such
rights, remedies or recourses under the Related Documents, at law or in equity,
or (v) pursue any combination of the foregoing. Upon default, including failure
to pay upon final maturity, Lender, at it option, may also, if permitted under
applicable law, do one or both of the following: (a) increase the variable
interest rate on this Note to 3.500 percentage points over the Index, and (b)
add any unpaid accrued interest to principal and such sum will bear interest
therefrom until paid at the rate provided in this Note (including any increased
rate). The interest rate will not exceed the maximum rate permitted by
applicable law. Lender may hire an attorney to help collect this Note if
Borrower does not pay and Borrower will pay Lender's reasonable attorneys' fees
and all other costs of collection, unless prohibited by applicable law. This
Note has been delivered to Lender and accepted by Lender in the State of
Colorado. Subject to the provisions on arbitration, this Note 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.

PURPOSE. Borrower agrees that no advances under this Note shall be used for
personal, family, or household purposes and that all advances hereunder shall be
used solely for business, commercial, agricultural or other similar purposes.

JURY WAIVER. THE BORROWER 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 BORROWER AND LENDER ARISING OUT OF OR IN ANY
WAY RELATED TO THIS NOTE, ANY OTHER RELATED DOCUMENT, OR ANY RELATIONSHIP
BETWEEN LENDER AND BORROWER. THIS PROVISION IS A MATERIAL INDUCEMENT TO LENDER
TO PROVIDE THE FINANCING EVIDENCED BY THIS NOTE.

DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $20.00 if Borrower
makes a payment on Borrower's loan and the check or preauthorized charge with
which Borrower pays is later dishonored.

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 this Note against any and
all such accounts.

LINE OF CREDIT. This Note evidences a revolving line of credit. Borrower may
request advances and make payments hereunder from time to time, provided that it
is understood and agreed that the aggregate principal amount outstanding from
time to time hereunder shall not at any time exceed the Total Principal Amount.
The unpaid principal balance of this Note shall increase and decrease with each
new advance or payment hereunder, as the case may be. Subject to the terms
hereof, Borrower may borrow, repay and reborrow hereunder. Advances under this
Note, as well as directions for payment from Borrower's accounts, may be
requested orally or in writing by Borrower or by an authorized person. Lender
may, but need not, require that all oral requests be confirmed in writing.
Borrower agrees to be liable for all sums either (a) advanced in accordance with
the instructions of an authorized person or (b) credited to any of Borrower's
accounts with Lender.

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 Note, 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

<PAGE>   2
10-27-1999                      PROMISSORY NOTE
 LOAN NO.                         (CONTINUED)                             PAGE 2
--------------------------------------------------------------------------------

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. 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.

RENEWAL AND EXTENSION. This Note is given in replacement, renewal and/or
extension of, but not extinguishing the indebtedness evidenced by, that
promissory note dated March 4, 1999 executed by Borrower in the original
principal amount of $1,500,000.00, and is not a novation thereof. All interest
evidenced by the note being replaced, renewed, and/or extended by this
instrument shall continue to be due and payable until paid.

ADDITIONAL PROVISION REGARDING LATE CHARGES. In the "Late Charge" provision set
forth above, the following language is hereby added after the word "greater":
"up to the maximum amount of One Thousand Five Hundred Dollars ($1500.00) per
late charge".

GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights or
remedies under this Note without losing them. Borrower and any other person who
signs, guarantees or endorses this Note, to the extent allowed by law, waive
presentment, demand for payment, protest and notice of dishonor. Upon any change
in the terms of this Note, and unless otherwise expressly stated in writing, no
party who signs this Note, whether as maker, guarantor, accommodation maker or
endorser, shall be released from liability. All such parties agree that Lender
may renew or extend (repeatedly and for any length of time) this Note, or
release any party or guarantor or collateral; or unjustifiably impair, fail to
realize upon or perfect Lender's security interest in the collateral; and take
any other action deemed necessary by Lender without the consent of or notice to
anyone. All such parties also agree that Lender may modify this Note without the
consent of or notice to anyone other than the party with whom the modification
is made.

PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF
THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER AGREES TO
THE TERMS OF THE NOTE AND ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THE NOTE.

BORROWER:

THE TRIZETTO GROUP, INC., A DELAWARE CORPORATION

By:   /s/ JEFFREY H. MARGOLIS
   --------------------------------------
   JEFFREY H. MARGOLIS, PRESIDENT AND CEO

<PAGE>   3

[BANK-ONE LOGO]

                          COMMERCIAL SECURITY AGREEMENT
<TABLE>
------------------------------------------------------------------------------------------------------------------
<S>             <C>          <C>          <C>        <C>        <C>           <C>           <C>          <C>
Principal        Loan Date    Maturity    Loan No     Call      Collateral     Account      Officer      Initials
$3,000,000.00   10-27-1999   11-04-2000              106525        328        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>

BORROWER:  THE TRIZETTO GROUP, INC., A DELAWARE
           CORPORATION
           567 SAN NICOLAS DRIVE - SUITE 360
           NEWPORT BEACH, CA 92660

LENDER:    Bank One, Colorado, NA
           Corporate Lending - Boulder
           1125 17th Street
           Denver, CO 80217

THIS COMMERCIAL SECURITY AGREEMENT is entered into by THE TRIZETTO GROUP, INC.,
A DELAWARE CORPORATION (referred to below as "Grantor") for the benefit of Bank
One, Colorado, NA (referred to below as "Lender"). For valuable consideration,
Grantor grants to Lender a security interest in the Collateral to secure the
Indebtedness and agrees that Lender shall have the rights stated in this
Agreement with respect to the Collateral, in addition to all other rights which
Lender may have by law.

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 ("Code") All references to dollar amounts shall mean
amounts in lawful money of the United States of America.

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

        COLLATERAL. The word "Collateral" means the following described property
        of Grantor, whether now owned or hereafter acquired, whether now
        existing or hereafter arising, and wherever located:

             ALL INVENTORY, CHATTEL PAPER, ACCOUNTS, EQUIPMENT AND GENERAL
             INTANGIBLES

        In addition, the word "Collateral" includes all the following, whether
        now owned or hereafter acquired, whether now existing or hereafter
        arising, and wherever located:

             (a) All attachments, accessions, accessories, tools, parts,
             supplies, increases, and additions to and all replacements of and
             substitutions for any property described above.

             (b) All products and produce of any of the property described in
             this Collateral section.

             (c) All proceeds (including, without limitation, insurance
             proceeds) from the sale, lease, destruction, loss, or other
             disposition of any of the property described in this Collateral
             section.

             (d) All records and data relating to any of the property described
             in this Collateral section, whether in the form of a writing,
             photograph, microfilm, microfiche, or electronic media, together
             with all of Grantor's right, title, and interest in and to all
             computer software required to utilize, create, maintain, and
             process any such records or data on electronic media.

        EVENT OF DEFAULT. The words "Event of Default" mean and include any of
        the Events of Default set forth below in the section titled "Events of
        Default."

        GRANTOR. The word "Grantor" means THE TRIZETTO GROUP, INC., A DELAWARE
        CORPORATION, its successors and assigns (which is a debtor under the
        Code).

        GUARANTOR. The word "Guarantor" means and includes without limitation,
        each and all of the guarantors, sureties, and accommodation parties in
        connection with the Indebtedness.

        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
        Grantor 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 Grantor, 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 Grantor, 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
        Grantor may be liable individually or jointly with others, whether
        Grantor 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 (which is a secured party under the Code).

        NOTE. The word "Note" means the promissory note dated October 27, 1999,
        in the principal amount of $3,000,000.00 from THE TRIZETTO GROUP, INC.,
        A DELAWARE CORPORATION to Lender, together with all renewals of,
        extensions of, modifications of, refinancings of, consolidations of and
        substitutions for such promissory note.

        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.

OBLIGATIONS OF GRANTOR. Grantor represents, warrants and covenants to Lender as
follows:

        PERFECTION OF SECURITY INTEREST. Grantor agrees to execute such
        financing statements and to take whatever other actions are requested by
        Lender to perfect and continue Lender's security interest in the
        Collateral. Upon request of Lender, Grantor will deliver to Lender any
        and all of the documents evidencing or constituting the Collateral, and
        Grantor will note Lender's interest upon any and all chattel paper if
        not delivered to Lender for possession by Lender. Grantor hereby
        irrevocably appoints Lender as its attorney-in-fact for the purpose of
        executing any documents necessary to perfect or to continue the security
        interest granted in this Agreement. Lender may at any time, and without
        further authorization from Grantor, file a carbon, photographic or other
        reproduction of any financing statement or of this Agreement for use as
        a financing statement. Grantor will reimburse Lender for all expenses
        for the perfection and the continuation of the perfection of Lender's
        security interest in the Collateral. Grantor has disclosed to Lender all
        tradenames and assumed names currently used by Grantor, all tradenames
        and assumed names used by Grantor within the previous six (6) years and
        all of Grantor's current business locations. Grantor will notify Lender
        in writing at least thirty (30) days prior to the occurrence of any of
        the following: (i) any changes in Grantor's name, tradename(s) or
        assumed name(s), or (ii) any change in Grantor's business locations) or
        the location of any of the Collateral.

        NO VIOLATION. The execution and delivery of this Agreement will not
        violate any law or agreement, governing Grantor or to which Grantor is a
        party, and its certificate or articles of incorporation and bylaws do
        not prohibit any term or condition of this Agreement.

        ENFORCEABILITY OF COLLATERAL. To the extent the Collateral consists of
        accounts, chattel paper, or general intangibles, the Collateral is
        enforceable in accordance with its terms, is genuine, and complies with
        applicable laws concerning form, content and manner of preparation and
        execution, and all persons appearing to be obligated on the Collateral
        have authority and capacity to contract and are in fact obligated as
        they appear to be on the Collateral. At the time any account becomes
        subject to a security interest in favor of Lender, the account shall be
        a good and valid account representing an undisputed, bona fide
        indebtedness incurred by the account debtor, for merchandise held
        subject to delivery instructions or theretofore shipped or delivered
        pursuant to a contract of sale, or for services theretofore performed by
        Grantor with or for the account debtor; Grantor will not adjust, settle,
        compromise, amend or modify any account, except in good faith and in the
        ordinary course of business; provided, however, this exception shall
        automatically terminate upon the occurrence of an Event of Default or
        upon Lender's written request.

        LOCATION OF THE COLLATERAL. Grantor, upon request of Lender, will
        deliver to Lender in form satisfactory to Lender a schedule of real
        properties and Collateral locations relating to Grantor's operations,
        including without limitation the following: (a) all real property owned
        or being purchased by Grantor; (b) all real property being rented or
        leased by Grantor; (c) all storage facilities owned, rented, leased, or
        being used by Grantor; and (d) all other properties where Collateral is
        or may be located. Except in the ordinary course of its business,
        Grantor shall not remove the Collateral from its existing locations
        without the prior written consent of Lender.

        REMOVAL OF COLLATERAL. Grantor shall keep the Collateral (or to the
        extent the Collateral consists of intangible property such as accounts,
        the records concerning the Collateral) at Grantor's address shown above,
        or at such other locations as are acceptable to Lender. Except in the
        ordinary course of its business, including the sales of inventory,
        Grantor shall not remove the Collateral from its existing locations

<PAGE>   4

10-27-99                 COMMERCIAL SECURITY AGREEMENT
Loan No.                          (Continued)

                                                                          Page 2

        without the prior written consent of Lender. To the extent that the
        Collateral consists of vehicles, or other titled property, Grantor shall
        not take or permit any action which would require application for
        certificates of title for the vehicles outside the State of Colorado,
        without the prior written consent of Lender.

        TRANSACTIONS INVOLVING COLLATERAL. Except for inventory sold or accounts
        collected in the ordinary course of Grantor's business, Grantor shall
        not sell, offer to sell, or otherwise transfer or dispose of the
        Collateral. While Grantor is not in default under this Agreement,
        Grantor may sell inventory, but only in the ordinary course of its
        business and only to buyers who qualify as a buyer in the ordinary
        course of business. A sale in the ordinary course of Grantor's business
        does not include a transfer in partial or total satisfaction of a debt
        or any bulk sale. Grantor shall not pledge, mortgage, encumber or
        otherwise permit the Collateral to be subject to any lien, security
        interest, encumbrance, or charge, other than the security interest
        provided for in this Agreement, without the prior written consent of
        Lender This includes security interests even if junior in right to the
        security interests granted under this Agreement. Unless waived by
        Lender, all proceeds from any disposition of the Collateral (for
        whatever reason) shall be held in trust for Lender and shall not be
        commingled with any other funds; provided however, this requirement
        shall not constitute consent by Lender to any sale or other disposition.
        Upon receipt, Grantor shall immediately deliver any such proceeds to
        Lender.

        Title. Grantor represents and warrants to Lender that it is the owner of
        the Collateral and holds good and marketable title to the Collateral,
        free and clear of all liens and encumbrances except for the lien of this
        Agreement. No financing statement covering any of the Collateral is on
        file in any public office other than those which reflect the security
        interest created by this Agreement or to which Lender has specifically
        consented. Grantor shall defend Lender's rights in the Collateral
        against the claims and demands of all other persons.

        COLLATERAL SCHEDULES AND LOCATIONS. As often as Lender shall require,
        and insofar as the Collateral consists of accounts and general
        intangibles, Grantor shall deliver to Lender schedules of such
        Collateral, including such information as Lender may require, including
        without limitation names and addresses of account debtors and agings of
        accounts and general intangibles. Insofar as the Collateral consists of
        inventory and equipment, Grantor shall deliver to Lender, as often as
        Lender shall require, such lists, descriptions, and designations of such
        Collateral as Lender may require to identify the nature, extent, and
        location of such Collateral.

        MAINTENANCE AND INSPECTION OF COLLATERAL. Grantor shall maintain all
        tangible Collateral in good condition and repair. Grantor will not
        commit or permit damage to or destruction of the Collateral or any part
        of the Collateral. Lender and its designated representatives and agents
        shall have the right at all reasonable times to examine, inspect, and
        audit the Collateral wherever located. Grantor shall immediately notify
        Lender of all cases involving the return, rejection, repossession, loss
        or damage of or to any Collateral; of any request for credit or
        adjustment or of any other dispute arising with respect to the
        Collateral; and generally of all happenings and events affecting the
        Collateral or the value or the amount of the Collateral.

        TAXES, ASSESSMENTS AND LIENS. Grantor will pay when due all taxes,
        assessments and governmental charges or levies upon the Collateral and
        provide Lender evidence of such payment upon its request. Grantor may
        withhold any such payment or may elect to contest any lien if Grantor is
        in good faith conducting an appropriate proceeding to contest the
        obligation to pay and so long as Lender's interest in the Collateral is
        not jeopardized in Lender's sole opinion. If the Collateral is subjected
        to a lien which is not discharged within fifteen (15) days, Grantor
        shall deposit with Lender cash, a sufficient corporate surety bond or
        other security satisfactory to Lender in an amount adequate to provide
        for the discharge of the lien plus any interest, costs, attorneys' fees
        or other charges that could accrue as a result of foreclosure or sale of
        the Collateral. In any contest Grantor shall defend itself and Lender
        and shall satisfy any final adverse judgment before enforcement against
        the Collateral. Grantor shall name Lender as an additional obligee under
        any surety bond furnished in the contest proceedings.

        COMPLIANCE WITH GOVERNMENTAL REQUIREMENTS. Grantor is conducting and
        will continue to conduct Grantor's businesses in material compliance
        with all federal, state and local laws, statutes, ordinances, rules,
        regulations, orders, determinations and court decisions applicable to
        Grantor's businesses and to the production, disposition or use of the
        Collateral, including without limitation, those pertaining to health and
        environmental matters such as the Comprehensive Environmental Response,
        Compensation, and Liability Act of 1980, as amended by the Superfund
        Amendments and Reauthorization Act of 1986 (collectively, together with
        any subsequent amendments, hereinafter called "CERCLA"), the Resource
        Conservation and Recovery Act of 1976, as amended by the Used Oil
        Recycling Act of 1980, the Solid Waste Disposal Act Amendments of 1980,
        and the Hazardous Substance Waste Amendments of 1984 (collectively,
        together with any subsequent amendments, hereinafter called "RCRA").
        Grantor represents and warrants that (i) none of the operations of
        Grantor is the subject of a federal, state or local investigation
        evaluating whether any material remedial action is needed to respond to
        a release or disposal of any toxic or hazardous substance or solid waste
        into the environment; (ii) Grantor has not filed any notice under any
        federal, state or local law indicating that Grantor is responsible for
        the release into the environment, the disposal on any premises in which
        Grantor is conducting its businesses or the improper storage, of any
        material amount of any toxic or hazardous substance or solid waste or
        that any such toxic or hazardous substance or solid waste has been
        released, disposed of or is improperly stored, upon any premises on
        which Grantor is conducting its businesses; and (iii) Grantor otherwise
        does not have any known material contingent liability in connection with
        the release into the environment, disposal or the improper storage, of
        any such toxic or hazardous substance or solid waste. The terms
        "hazardous substance" and "release", as used herein, shall have the
        meanings specified in CERCLA, and the terms "solid waste" and
        "disposal", as used herein, shall have the meanings specified in RCRA;
        provided, however, that to the extent that the laws of the State of
        Colorado establish meanings for such terms which are broader than that
        specified in either CERCLA or RCRA, such broader meanings shall apply.
        The representations and warranties contained herein are based on
        Grantor's due diligence in investigating the Collateral for hazardous
        wastes and substances. Grantor hereby (a) releases and waives any future
        claims against Lender for indemnity or contribution in the event Grantor
        becomes liable for cleanup or other costs under any such laws, and (b)
        agrees to indemnify and hold harmless Lender against any and all claims
        and losses resulting from a breach of this provision of this Agreement.
        This obligation to indemnify shall survive the payment of the
        Indebtedness and the termination of this Agreement.

        MAINTENANCE OF CASUALTY INSURANCE. Grantor shall procure and maintain
        all risk insurance, including without limitation fire, theft and
        liability coverage together with such other insurance as Lender may
        require with respect to the Collateral, in form, amounts, coverages and
        basis reasonably acceptable to Lender and issued by a company or
        companies reasonably acceptable to Lender. Grantor, 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 and not
        including any disclaimer of the insurer's liability for failure to give
        such a notice. Each insurance policy also shall include an endorsement
        providing that coverage in favor of Lender will not be impaired in any
        way by any act, omission or default of Grantor or any other person. In
        connection with all policies covering assets in which Lender holds or is
        offered a security interest, Grantor will provide Lender with such loss
        payable or other endorsements as Lender may require. If Grantor at any
        time fails to obtain or maintain any insurance as required under this
        Agreement, Lender may (but shall not be obligated to) obtain such
        insurance as Lender deems appropriate, including if it so chooses
        "single interest insurance," which will cover only Lender's interest in
        the Collateral.

        APPLICATION OF INSURANCE PROCEEDS. Grantor shall promptly notify Lender
        of any loss or damage to the Collateral. Lender may make proof of loss
        if Grantor fails to do so within fifteen (15) days of the casualty. All
        proceeds of any insurance on the Collateral, including accrued proceeds
        thereon, shall be held by Lender as part of the Collateral. If Lender
        consents to repair or replacement of the damaged or destroyed
        Collateral, Lender shall, upon satisfactory proof of expenditure, pay or
        reimburse Grantor from the proceeds for the reasonable cost of repair or
        restoration. If Lender does not consent to repair or replacement of the
        Collateral, Lender shall retain a sufficient amount of the proceeds to
        pay all of the Indebtedness, and shall pay the balance to Grantor. Any
        proceeds which have not been disbursed within six (6) months after their
        receipt and which Grantor has not committed to the repair or restoration
        of the Collateral shall be used to prepay the Indebtedness. Application
        of insurance proceeds to the payment of the Indebtedness will not
        extend, postpone or waive any payments otherwise due, or change the
        amount of such payments to be made and proceeds may be applied in such
        order and such amounts as Lender may elect.

        SOLVENCY OF GRANTOR. As of the date hereof, and after giving effect to
        this Agreement and the completion of all other transactions contemplated
        by Grantor at the time of the execution of this Agreement, (i) Grantor
        is and will be solvent, (ii) the fair salable value of Grantor's assets
        exceeds and will continue to exceed Grantor's liabilities (both fixed
        and contingent), (iii) Grantor is paying and will continue to be able to
        pay its debts as they mature, and (iv) if Grantor is not an individual,
        Grantor has and will have sufficient capital to carry on Grantor's
        businesses and all businesses in which Grantor is about to engage.

        LIEN NOT RELEASED. The lien, security interest and other security rights
        of Lender hereunder shall not be impaired by any indulgence, moratorium
        or release granted by Lender, including but not limited to, the
        following: (a) any renewal, extension, increase or modification of any
        of the Indebtedness; (b) any surrender, compromise, release, renewal,
        extension, exchange or substitution granted in respect of any of the
        Collateral; (c) any release or indulgence granted to any endorser,
        guarantor or surety of any of the Indebtedness; (d) any release of any
        other collateral for any of the Indebtedness; (e) any acquisition of any
        additional collateral for any of the Indebtedness; and (f) any waiver or
        failure to exercise any right, power or remedy granted herein, by law or
        in any of the Related Documents.

        REQUEST FOR ENVIRONMENTAL INSPECTIONS. Upon Lender's reasonable request
        from time to time, Grantor will obtain at Grantor's expense an
        inspection or audit report(s) addressed to Lender of Grantor's
        operations from an engineering or consulting firm approved by Lender,
        indicating the presence or absence of toxic and hazardous substances,
        underground storage tanks and solid waste on any premises in which
        Grantor is conducting a business; provided, however, Grantor will be
        obligated to pay for the cost of any such inspection or audit no more
        than one time in any twelve (12) month period unless Lender has reason
        to believe that toxic or hazardous substance or solid

<PAGE>   5

10-27-99                 COMMERCIAL SECURITY AGREEMENT
Loan No.                          (Continued)

                                                                          Page 3

        wastes have been dumped or released on any such premises. If Grantor
        fails to order or obtain an inspection or audit within ten (10) days
        after Lender's request, Lender may at its option order such inspection
        or audit, and Grantor grants to Lender and its agents, employees,
        contractors and consultants access to the premises in which it is
        conducting its business and a license (which is coupled with an interest
        and is irrevocable) to obtain inspections and audits. Grantor agrees to
        promptly provide Lender with a copy of the results of any such
        inspection or audit received by Grantor. The cost of such inspections
        and audits by Lender shall be a part of the Indebtedness, secured by the
        Collateral and payable by Grantor on demand.

        CHATTEL PAPER. To the extent a security interest in the chattel paper of
        Grantor is granted hereunder, Grantor represents and warrants that all
        such chattel paper have only one original counterpart and no other party
        other than Grantor or Lender is in actual or constructive possession of
        any such chattel paper. Grantor agrees that at the option of and on the
        request by Lender, Grantor will either deliver to Lender all originals
        of the chattel paper which is included in the Collateral or will mark
        all such chattel paper with a legend indicating that such chattel paper
        is subject to the security interest granted hereunder.

        LANDLORD'S WAIVERS. Grantor agrees that upon the request of Lender,
        Grantor shall cause each landlord of real property leased by Grantor at
        which any of the Collateral is located from time to time to execute and
        deliver agreements satisfactory in form and substance to Lender by which
        such landlord waives or subordinates any rights it may have in the
        Collateral.

GRANTOR'S RIGHT TO POSSESSION AND TO COLLECT ACCOUNTS. Until default and except
as otherwise provided below with respect to accounts, Grantor may have
possession of the tangible personal property and beneficial use of all the
Collateral and may use it in any lawful manner not inconsistent with this
Agreement or the Related Documents, provided that Grantor's right to possession
and beneficial use shall not apply to any Collateral where possession of the
Collateral by Lender is required by law to perfect Lender's security interest in
such Collateral. Until otherwise notified by Lender, Grantor may collect any of
the Collateral consisting of accounts. At any time and even though no Event of
Default exists, Lender may collect the accounts, notify account debtors to make
payments directly to Lender for application to the Indebtedness and to verify
the accounts with such account debtors. Lender also has the right, at the
expense of Grantor, to enforce collection of such accounts and adjust, settle,
compromise, sue for or foreclose on the amount owing under any such account, in
the same manner and to the same extent as Grantor. If Lender at any time has
possession of any Collateral, whether before or after an Event of Default,
Lender shall be deemed to have exercised reasonable care in the custody and
preservation of the Collateral if Lender takes such action for that purpose as
Grantor shall request or as Lender, in Lender's sole discretion, shall deem
appropriate under the circumstances, but failure to honor any request by Grantor
shall not of itself be deemed to be a failure to exercise reasonable care.
Lender shall not be required to take any steps necessary to preserve any rights
in the Collateral against prior parties, nor to protect, preserve or maintain
any security interest given to secure the Indebtedness.

EXPENDITURES BY LENDER. If not discharged or paid when due, Lender may (but
shall not be obligated to) discharge or pay any amounts required to be
discharged or paid by Grantor under this Agreement, including without limitation
all taxes, liens, security interests, encumbrances, and other claims, at any
time levied or placed on the Collateral. Lender also may (but shall not be
obligated to) pay all costs for insuring, maintaining and preserving the
Collateral. All such expenditures incurred or paid by Lender for such purposes
will then bear interest at the rate charged under the Note from the date
incurred or paid by Lender to the date of repayment by Grantor. All such
expenses shall become a part of the Indebtedness and be payable on demand by
Lender. Such right shall be in addition to all other rights and remedies to
which Lender may be entitled upon the occurrence of an Event of Default.

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

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

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

        FALSE STATEMENTS. Any warranty, representation or statement made or
        furnished to Lender under this Agreement, the Note or any of the other
        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 Grantor or any
        Guarantor to any third party under any agreement or undertaking.

        BANKRUPTCY OR INSOLVENCY. If the 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; (n) 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 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 Grantor or by any
        governmental agency against the Collateral or any other collateral
        securing the Indebtedness.

RIGHTS AND REMEDIES ON DEFAULT. If an Event of Default occurs under this
Agreement, at any time thereafter, Lender shall have all the rights of a secured
party under the Code. In addition and without limitation, Lender may exercise
any one or more of the following rights and remedies:

        ACCELERATE INDEBTEDNESS. Lender may declare the entire Indebtedness,
        including any prepayment penalty which Grantor would be required to pay,
        immediately due and payable, without notice.

        ASSEMBLE COLLATERAL. Lender may require Grantor to deliver to Lender all
        or any portion of the Collateral and any and all certificates of title
        and other documents relating to the Collateral. Lender may require
        Grantor to assemble the Collateral and make it available to Lender at a
        place to be designated by Lender. Lender also shall have full power to
        enter upon the property of Grantor to take possession of and remove the
        Collateral. If the Collateral contains other goods not covered by this
        Agreement at the time of repossession, Grantor agrees Lender may take
        such other goods, provided that Lender makes reasonable efforts to
        return them to Grantor after repossession.

        SELL THE COLLATERAL. Lender shall have full power to sell, lease,
        transfer, or otherwise dispose of the Collateral or the proceeds thereof
        in its own name or that of Grantor. Lender may sell the Collateral (as a
        unit or in parcels) at public auction or private sale. Lender may buy
        the Collateral, or any portion thereof, (i) at any public sale, and (ii)
        at any private sale if the Collateral is of a type customarily sold in a
        recognized market or is of a type which is the subject of widely
        distributed standard price quotations. Lender shall not be obligated to
        make any sale of Collateral regardless of a notice of sale having been
        given. Lender may adjourn any public or private sale from time to time
        by announcement at the time and place fixed therefor, and such sale may,
        without further notice, be made at the time and place to which it was so
        adjourned. Unless the Collateral is perishable or threatens to decline
        speedily in value or is of a type customarily sold on a recognized
        market, Lender will give Grantor reasonable notice of the time and place
        of any public sale thereof or of the time after which any private sale
        or any other intended disposition of the Collateral is to be made. The
        requirements of reasonable notice shall be met if such notice is given
        at least ten (10) days prior to the date any public sale, or after which
        a private sale, of any of such Collateral is to be held. All expenses
        relating to the disposition of the Collateral, including without
        limitation the expenses of retaking, holding, insuring, preparing for
        sale and selling the Collateral, shall become a part of the Indebtedness
        secured by this Agreement and shall be payable on demand, with interest
        at the Note rate from date of expenditure until repaid. Any sale of
        Collateral through the public trustee shall be deemed a commercially
        reasonable sale.

        APPOINT RECEIVER. To the extent permitted by applicable law, Lender
        shall have the following rights and remedies regarding the appointment
        of a receiver: (a) Lender may have a receiver appointed as a matter of
        right, (b) the receiver may be an employee of Lender and may serve
        without bond, and (c) all fees of the receiver and his or her attorney
        shall become part of the Indebtedness secured by this Agreement and
        shall be payable on demand, with interest at the Note rate from date of
        expenditure until repaid. The receiver may be appointed by a court of
        competent jurisdiction upon ex parte application and without notice,
        notice being expressly waived.

        COLLECT REVENUES, APPLY ACCOUNTS. Lender, either itself or through a
        receiver, may collect the payments, rents, income, and revenues from the
        Collateral. Lender may transfer any Collateral into its own name or that
        of its nominee and receive the payments, rents, income, and revenues
        therefrom and hold the same as security for the Indebtedness or apply it
        to payment of the Indebtedness in such order of

<PAGE>   6

10-27-99                 COMMERCIAL SECURITY AGREEMENT
Loan No.                          (Continued)

                                                                          Page 4

        preference as Lender may determine. Insofar as the Collateral consists
        of accounts, general intangibles, insurance policies, instruments,
        chattel paper, choses in action, or similar property, Lender may demand,
        collect, receipt for, settle, compromise, adjust, sue for, foreclose, or
        realize on the Collateral as Lender may determine For these purposes,
        Lender may, on behalf of and in the name of Grantor, receive, open and
        dispose of mail addressed to Grantor; change any address to which mail
        and payments are to be sent; and endorse notes, checks, drafts, money
        orders, documents of title, instruments and items pertaining to payment,
        shipment, or storage of any Collateral. To facilitate collection, Lender
        may notify account debtors and obligors on any Collateral to make
        payments directly to Lender.

        OBTAIN DEFICIENCY. If Lender chooses to sell any or all of the
        Collateral, Lender may obtain a judgment against Grantor for any
        deficiency remaining on the Indebtedness due to Lender after application
        of all amounts received from the exercise of the rights provided in this
        Agreement. Grantor shall be liable for a deficiency even if the
        transaction described in this subsection is a sale of accounts or
        chattel paper.

        OTHER RIGHTS AND REMEDIES. Lender shall have all the rights and remedies
        of a secured creditor under the provisions of the Code, as may be
        amended from time to time. In addition, Lender shall have and may
        exercise any or all other rights and remedies it may have available at
        law, in equity, or otherwise. Grantor waives any right to require Lender
        to proceed against any third party, exhaust any other security for the
        Indebtedness or pursue any other right or remedy available to Lender.

        CUMULATIVE REMEDIES. All of Lender's rights and remedies, whether
        evidenced by this Agreement or the Related Documents or by any other
        writing, shall be cumulative and may be exercised singularly or
        concurrently. Election by Lender to pursue any remedy shall not exclude
        pursuit of any other remedy, and an election to make expenditures or to
        take action to perform an obligation of Grantor under this Agreement,
        after Grantor's failure to perform, shall not affect Lender's right to
        declare a default and to exercise its 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 and supercedes all prior written
        and oral agreements and understandings, if any, regarding same. 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 in any Related Document, 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.

        ATTORNEYS' FEES; EXPENSES. Grantor will upon demand pay to Lender the
        amount of any and all costs and expenses (including without limitation,
        reasonable attorneys' fees and expenses) which Lender may incur in
        connection with (i) the perfection and preservation of the collateral
        assignment and security interests created under this Agreement, (ii) the
        custody, preservation, use or operation of, or the sale of, collection
        from, or other realization upon, the Collateral, (iii) the exercise or
        enforcement of any of the rights of Lender under this Agreement, or (iv)
        the failure by Grantor to perform or observe any of the provisions
        hereof.

        TERMINATION. Upon (i) the satisfaction in full of the Indebtedness and
        all obligations hereunder, (ii) the termination or expiration of any
        commitment of Lender to extend credit that would become Indebtedness
        hereunder, and (iii) Lender's receipt of a written request from Grantor
        for the termination hereof, this Agreement and the security interests
        created hereby shall terminate. Upon termination of this Agreement and
        Grantor's written request, Lender will, at Grantor's sole cost and
        expense, return to Grantor such of the Collateral as shall not have been
        sold or otherwise disposed of or applied pursuant to the terms hereof
        and execute and deliver to Grantor such documents as Grantor shall
        reasonably request to evidence such termination.

        INDEMNITY. Grantor hereby agrees to indemnify, defend and hold harmless
        Lender, and its officers, directors, shareholders, employees, agents and
        representatives (each an "Indemnified Person") from and against any and
        all liabilities, obligations, claims, losses, damages, penalties,
        actions, judgments, suits, costs, expenses or disbursements of any kind
        or nature (collectively, the "Claims") which may be imposed on, incurred
        by or asserted against, any Indemnified Person (whether or not caused by
        any Indemnified Person's sole, concurrent or contributory negligence)
        arising in connection with the Related Documents, the Indebtedness or
        the Collateral (including, without limitation, the enforcement of the
        Related Documents and the defense of any Indemnified Person's action
        and/or inactions in connection with the Related Documents), except to
        the limited extent that the Claims against the Indemnified Person are
        proximately caused by such Indemnified Person's willful misconduct. The
        indemnification provided for in this Section shall survive the
        termination of this Agreement and shall extend and continue to benefit
        each individual or entity who is or has at any time been an Indemnified
        Person hereunder.

        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.

        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 Grantor, notice to any
        Grantor will constitute notice to all Grantors. For notice purposes,
        Grantor will keep Lender informed at all times of Grantor's current
        address(es).

        POWER OF ATTORNEY. Grantor hereby irrevocably appoints Lender as its
        true and lawful attorney-in-fact, such power of attorney being coupled
        with an interest, with full power of substitution to do the following in
        the place and stead of Grantor and in the name of Grantor: (a) to
        demand, collect, receive, receipt for, sue and recover all sums of money
        or other property which may now or hereafter become due, owing or
        payable from the Collateral; (b) to execute, sign and endorse any and
        all claims, instruments, receipts, checks, drafts or warrants issued in
        payment for the Collateral; (c) to settle or compromise any and all
        claims arising under the Collateral, and, in the place and stead of
        Grantor, to execute and deliver its release and settlement for the
        claim; and (d) to file any claim or claims or to take any action or
        institute or take part in any proceedings, either in its own name or in
        the name of Grantor, or otherwise, which in the discretion of Lender may
        seem to be necessary or advisable. This power is given as security for
        the Indebtedness, and the authority hereby conferred is and shall be
        irrevocable and shall remain in full force and effect until renounced by
        Lender.

        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.

        SUCCESSOR INTERESTS. Subject to the limitations set forth above on
        transfer of the Collateral, this Agreement shall be binding upon and
        inure to the benefit of the parties, their successors and assigns;
        provided, however, Grantor's rights and obligations hereunder may not be
        assigned or otherwise transferred without the prior written consent of
        Lender.

        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 to thereafter 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 Grantor, shall
        constitute a waiver of any of Lender's rights or of any of Grantor's
        obligations 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 to
        subsequent instances where such consent is required and in all cases
        such consent may be granted or withheld in the sole discretion of Lender

<PAGE>   7

10-27-99                 COMMERCIAL SECURITY AGREEMENT
Loan No.                          (Continued)

                                                                          Page 5

GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS COMMERCIAL SECURITY
AGREEMENT, AND GRANTOR AGREES TO ITS TERMS. THIS AGREEMENT IS DATED OCTOBER 27,
1999.

GRANTOR:
THE TRIZETTO GROUP, INC., A DELAWARE CORPORATION

By:   /s/ JEFFREY H. MARGOLIS
   --------------------------------------
   JEFFREY H. MARGOLIS, PRESIDENT AND CEO

<PAGE>   8

[BANK-ONE LOGO]

                                 LOAN AGREEMENT

<TABLE>
------------------------------------------------------------------------------------------------------------------
<S>             <C>          <C>          <C>        <C>        <C>           <C>           <C>          <C>
PRINCIPAL        LOAN DATE    MATURITY    LOAN NO     CALL      COLLATERAL     ACCOUNT      OFFICER      INITIALS
$3,000,000.00   10-27-1999   11-04-2000              106525        328        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>

BORROWER:  THE TRIZETTO GROUP, INC., A DELAWARE
           CORPORATION
           567 SAN NICOLAS DRIVE - SUITE 360
           NEWPORT BEACH, CA 92660

LENDER:    Bank One, Colorado, NA
           Corporate Lending - Boulder
           1125 17th Street
           Denver, CO 80217

THIS LOAN AGREEMENT BETWEEN THE TRIZETTO GROUP, INC., A DELAWARE CORPORATION
("BORROWER") AND BANK ONE, COLORADO, NA ("LENDER") IS MADE AND EXECUTED AS OF
OCTOBER 27, 1999, 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, EXTENSIONS 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 OCTOBER 27, 1999, 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 Loan Agreement, as may be
        amended or modified from time to time, together with all exhibits and
        schedules attached hereto from time to time.

        ACCOUNT. The word "Account" means a trade account receivable of Borrower
        for goods sold or leased or for services rendered by Borrower in the
        ordinary course of its business.

        ACCOUNT DEBTOR. The words "Account Debtor" mean the person or entity
        obligated upon an Account.

        ADVANCE. The word "Advance" means any advance or other disbursement of
        Loan proceeds under this Agreement.

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

        BORROWING BASE. The words "Borrowing Base" mean 75.00% of the aggregate
        amount of Eligible Accounts, less the aggregate amount of letters of
        credit issued under the line.

        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.

        COMMITTED SUM. The words "Committed Sum" mean an amount equal to
        $3,000,000.00.

        ELIGIBLE ACCOUNTS. The words "Eligible Accounts" mean, at any time, all
        of Borrower's Accounts which contain terms and conditions acceptable to
        Lender and in which Lender has a first lien security interest, less the
        amount of all returns, discounts, credits, and offsets of any nature,
        provided, however, unless otherwise agreed to by Lender in writing,
        Eligible Accounts do not include:

             (a) Accounts with respect to which the Account Debtor is an
             officer, an employee or agent of Borrower and to which the Account
             Debtor is a subsidiary of, or affiliated with or related to
             Borrower or its shareholders, officers, or directors.

             (b) All Accounts with respect to which Borrower has furnished a
             payment and/or performance bond and that portion of any Accounts
             for or representing retainage, if any, until all prerequisites to
             the immediate payment of such retainage have been satisfied.

             (c) Accounts with respect to which goods are placed on consignment
             or subject to a guaranteed sale or other terms by reason of which
             the payment by the Account Debtor may be conditional.

             (d) Accounts with respect to which the Account Debtor is not a
             resident of, or whose principal place of business is located
             outside of, the United States or its territories, except to the
             extent such Accounts are supported by insurance, bonds or other
             assurances satisfactory to Lender in its sole and absolute
             discretion.

             (e) Accounts with respect to which Borrower is or may become liable
             to the Account Debtor for goods sold or services rendered by the
             Account Debtor to Borrower.

             (f) Accounts which are subject to dispute, counterclaim, or setoff.

             (g) Accounts with respect to which all goods have not been shipped
             or delivered, or all services have not been rendered, to the
             Account Debtor.

             (h) Accounts with respect to which Lender, in its sole discretion,
             deems the creditworthiness or financial condition of the Account
             Debtor to be unsatisfactory.

             (i) Accounts of any Account Debtor who has filed or has had filed
             against it a petition in bankruptcy or an application for relief
             under any provision of any state or federal bankruptcy, insolvency,
             or debtor-in-relief acts, or who has had appointed a trustee,
             custodian, or receiver for the assets of such Account Debtor, or
             who has made an assignment for the benefit of creditors or has
             become insolvent or fails generally to pay its debts (including its
             payrolls) as such debts become due.

             (j) Accounts with respect to which the Account Debtor is the United
             States government or any department or agency of the United States,
             except to the extent an acknowledgement of assignment to Lender of
             any such Accounts in compliance with the Federal Assignment of
             Claims Act and other applicable laws has been received by Lender.

             (k) Accounts which have not been paid or are not due and payable in
             full within ninety (90) days from the original invoice date. The
             entire balance of all Accounts of any single Account Debtor will be
             ineligible whenever 10.000% or more of the total amount outstanding
             on all Accounts owing by such Account Debtor is past due ninety
             (90) days or more.

        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 without limitation,
        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.

        LINE OF CREDIT. The words "Line of Credit" mean the credit facility
        described in the Section titled "LINE OF CREDIT" below.

        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

<PAGE>   9

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        amendment, modification, renewal or replacement thereof.

        PERMITTED LIENS. The words "Permitted Liens" mean (a) hens and security
        interests securing Indebtedness owed by Borrower to Lender, (b) hens for
        taxes, assessments, or similar charges either (i) not yet due, or (ii)
        being contested to good faith by appropriate proceedings and for which
        Borrower has established adequate reserves, (c) purchase money hens or
        purchase money security interests upon or in any property acquired or
        held by Borrower in the ordinary course of business to secure any
        indebtedness permitted under this Agreement, and (d) liens and security
        interests which, as of the date of this Agreement, have been disclosed
        to and approved by the Lender in writing.

        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.

LINE OF CREDIT. Subject to the other terms and conditions herein, Lender hereby
establishes a Line of Credit for Borrower through which Lender agrees to make
advances to Borrower from time to time from the effective date of this Agreement
until the maturity date of the Note evidencing the Line of Credit, provided the
aggregate amount of such advances outstanding at any time does not exceed the
lesser of the amount equal to the Borrowing Base or an amount equal to the
Committed Sum Within the foregoing limits, Borrower may borrow, partially or
wholly prepay, and reborrow under this Agreement.

        BORROWING BASE COMPLIANCE. If at any time the aggregate principal amount
        outstanding under the Line of Credit shall exceed the applicable
        Borrowing Base, Borrower shall pay to Lender an amount equal to the
        difference between the outstanding principal balance under the Line of
        Credit and the Borrowing Base.

        REPRESENTATIONS AND WARRANTIES CONCERNING ACCOUNTS. With respect to the
        Accounts, Borrower represents and warrants to Lender (a) Each Account
        represented by Borrower to be an Eligible Account for purposes of this
        Agreement conforms to the requirements of the definition of an Eligible
        Account; and (b) All Account information listed on reports and schedules
        delivered to Lender will be true and correct, subject to immaterial
        variance.

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, as
of the date of any renewal, extension or modification of any Loan, and at all
times any Loans or Lender's commitment to make Loans hereunder is outstanding.

        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 by Borrower; 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 for Permitted Liens, 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.

        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 the Loans 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.

<PAGE>   10
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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 one hundred twenty (120) days after the end of each
        fiscal year, Borrower's balance sheet, income statement, and statement
        of changes in financial position for the year ended, audited by a
        certified public accountant satisfactory 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, 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
        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 FEES AND CHARGES. In addition to all other agreed upon fees and
        charges, pay the following: $6,250.00 FACILITY FEE.

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

        BORROWING BASE CERTIFICATE. Contemporaneously with each request for an
        Advance under the Line of Credit, Borrower shall deliver to Lender a
        borrowing base certificate, in form and detail satisfactory to Lender,
        along with such supporting documentation as Lender may request,
        including without limitation, an accounts receivable aging report and/or
        a list or schedule of Borrower's accounts receivable, inventory and/or
        equipment.

        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.

        INDEBTEDNESS. Create, incur or assume additional indebtedness for
        borrowed money, including capital leases, or guarantee any indebtedness
        owing by others, other than (a) current unsecured trade debt incurred in
        the ordinary course of business, (b) indebtedness owing to Lender, (c)
        borrowings outstanding as of the date hereof and disclosed to Lender in
        writing, and (d) any borrowings otherwise approved by Lender in writing.

        LIENS. Mortgage, assign, pledge, grant a security interest in or
        otherwise encumber Borrower's assets, except as allowed as a Permitted
        Lien.

        TRANSFER OF ASSETS. Transfer, sell or otherwise dispose of any of
        Borrower's assets other than in the ordinary course of business.

        INVESTMENTS. Invest in, or purchase, create, form or acquire any
        interest in, any other enterprise or entity.

        LOANS. Make any loans to any person or entity.

        DIVIDENDS. Pay any dividends on Borrower's capital stock or purchase,
        redeem, retire or otherwise acquire any of Borrower's capital stock or
        alter or amend Borrower's capital structure.

        AFFILIATES. Enter into any transaction, including, without limitation,
        the purchase, sale, or exchange of property or the rendering of any
        service, with any Affiliate of Borrower, except in the ordinary course
        of and pursuant to the reasonable requirements of Borrower's business
        and upon fair and reasonable terms no less favorable than would be
        obtained in a comparable arm's length transaction with a person or
        entity not an Affiliate of Borrower. As used herein, the term
        "Affiliate" means any individual or entity directly or indirectly
        controlling, controlled by or under common control with, another entity
        or individual.

CONDITIONS PRECEDENT TO ADVANCES. Lender's obligation to make any Advances or to
provide any other financial accommodations to or

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for the benefit of Borrower hereunder 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 to 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 or
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.

ADDENDUM. An addendum, titled "ADDENDUM", is attached to this document and by
this reference is made a part of this document just as if all the provisions,
terms and conditions of the ADDENDUM had been fully set forth in this document

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 shalt 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 to provide any other financial
accommodations under this Agreement, 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 remedy
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 of 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. 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 abut 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

<PAGE>   12
10-27-1999                       LOAN AGREEMENT                          PAGE 5
LOAN NO.                          (CONTINUED)
--------------------------------------------------------------------------------

        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 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/ JEFFREY H. MARGOLIS
   --------------------------------------
   JEFFREY H. MARGOLIS, PRESIDENT AND CEO

LENDER:

BANK ONE, COLORADO, NA

BY:
   --------------------------------------
   AUTHORIZED OFFICER

<PAGE>   13
                                    ADDENDUM

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

THIS ADDENDUM IS ATTACHED TO AND BY THIS REFERENCE IS MADE A PART OF THE LOAN
AGREEMENT DATED OCTOBER 27, 1999, AND EXECUTED IN CONNECTION WITH A LOAN OR
OTHER FINANCIAL ACCOMMODATIONS BETWEEN BANK ONE, COLORADO, NA (THE "LENDER") AND
THE TRIZETTO GROUP, INC., A DELAWARE CORPORATION (THE "BORROWER").

ADDITIONAL PROVISION: "Notwithstanding any other provision of this Loan
Agreement to the contrary."

        ADDITIONAL REPRESENTATIONS AND WARRANTIES - YEAR 2000. Borrower further
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, that:

        (A) All devices, systems, machinery, information technology, computer
software and hardware, and other date sensitive technology (jointly and
severally the "Systems") necessary for Borrower to carry on its business as
presently conducted and as contemplated to be conducted in the future are Year
2000 Compliant or will be Year 2000 Compliant within a period of time calculated
to result in no material disruption of any of Borrower's business operations.
For purposes of these provisions, "Year 2000 Compliant" means that such Systems
are designed to be used prior to, during and after the Gregorian calendar year
2000 A.D. and will operate during each such time period without error relating
to date data, specifically including any error relating to, or the product of,
date data which represents or references different centuries or more than one
century.

        (B) Borrower has: (1) undertaken a detailed inventory, review, and
assessment of all areas within its business and operations that could be
adversely affected by the failure of Borrower to be Year 2000 Compliant on a
timely basis; (2) developed a detailed plan and time line for becoming Year 2000
Compliant on a timely basis, and (3) to date, implemented that plan in
accordance with that timetable in all material respects.

        (C) Borrower has made written inquiry of each of its key suppliers,
vendors, and customers, and has obtained in writing confirmations from all such
persons, as to whether such persons have initiated programs to become Year 2000
Compliant and on the basis of such confirmations, Borrower reasonably believes
that all such persons will be or become so compliant. For purposes hereof, "key
suppliers, vendors, and customers" refers to those suppliers, vendors, and
customers of Borrower whose business failure would, with reasonable probability,
result in a material adverse change in the business, properties, condition
(financial or otherwise), or prospects of Borrower. For purposes of this
paragraph, Lender, as a lender of funds under the terms of any Loan, confirms to
Borrower that Lender has initiated its own corporate-wide Year 2000 program with
respect to its lending activities.

        (D) The fair market value of all real and personal property, if any,
pledged to Lender as collateral to secure any Loan is not and shall not be less
than currently anticipated or subject to substantial deterioration in value
because of the failure of such collateral to be Year 2000 Compliant.

        ADDITIONAL AFFIRMATIVE COVENANT - YEAR 2000. Borrower further covenants
and agrees with Lender that, while this Agreement is in effect, Borrower will:

        (A) Furnish such additional information, statements and other reports
with respect to Borrower's activities, course of action and progress towards
becoming Year 2000 Compliant as Lender may request from time to time.

        (B) In the event of any change in circumstances that causes or will
likely cause any of Borrower's representations and warranties with respect to
its being or becoming Year 2000 Compliant to no longer be true (hereinafter,
referred to as a "Change in Circumstances") then Borrower shall promptly, and in
any event within ten (10) days of receipt of information regarding a Change in
Circumstances, provide Lender with written notice (the "Year 2000 Notice") that
describes in reasonable detail the Change in Circumstances and how such Change
in Circumstances caused or will likely cause Borrower's representations and
warranties with respect to being or becoming Year 2000 Compliant to no longer be
true. Borrower shall, within ten (10) days of a request, also provide Lender
with any additional information Lender requests of Borrower in connection with
the Year 2000 Notice and/or a Change in Circumstances.

        (C) Promptly upon its becoming available, furnish to Lender one copy of
each financial statement, report, notice, or proxy statement sent by Borrower to
stockholders generally and of each regular or periodic report, registration
statement or prospectus filed by Borrower with any securities exchange or the
Securities and Exchange Commission or any successor agency, and of any order
issued by any Governmental Authority in any proceeding to which Borrower is a
party. For purposes of these provisions, "Governmental Authority" shall mean any
government (or any political subdivision or jurisdiction thereof), court,
bureau, agency or other governmental entity having or asserting jurisdiction
over Borrower or any of its business, operations or properties.

        (D) Give any representative of Lender access during all business hours
to, and permit such representative to examine, copy or make excerpts from, any
and all books, records and documents in the possession of Borrower and relating
to its affairs, and to inspect any of the properties and Systems of Borrower,
and to project test the Systems to determine if they are Year 2000 Compliant in
an integrated environment, all at the sole cost and expense of Lender.

Acknowledged by:

THE TRIZETTO GROUP, INC.,
A DELAWARE CORPORATION

By:   /s/ JEFFREY H. MARGOLIS
   --------------------------------------
   JEFFREY H. MARGOLIS, PRESIDENT AND CEO

<PAGE>   14

                                    ADDENDUM

BORROWER:    THE TRIZETTO GROUP, INC.           LENDER:   BANK ONE, COLORADO, NA
             A DELAWARE CORPORATION                       1125 17th STREET
             567 SAN NICOLAS DRIVE,                       PO BOX 5586 TA
             SUITE 360                                    DENVER, CO. 80217
             NEWPORT BEACH, CA 92660

This ADDENDUM is attached to and by this reference is made a part of the Loan
Agreement, dated October 27, 1999 executed by Lender and Borrower ("Loan
Agreement").

ADDITIONAL DEFINITIONS. The Loan Agreement and this Addendum are hereinafter
referred to as the "Agreement". Capitalized terms used herein shall have the
meanings set forth in the Loan Agreement and the following terms shall have the
following meanings

        "ADVANCE" means an advance by Lender to Borrower under the Line of
        Credit.

        "COMMITMENT" means the agreement of Lender hereunder to issue Letters of
        Credit pursuant to the terms and conditions to Letter of Credit
        Agreements and to make Advances pursuant to the terms and conditions to
        the Agreement

        "EXISTING LETTER(S) OF CREDIT" means any and all letter(s) of credit
        issued by Lender at the request of Borrower prior to the date of this
        Agreement, which expire after the date of this Agreement.

        "LETTER OF CREDIT AGREEMENT" means Lender's standard form Application
        and Agreement for Irrevocable Standby Letter of Credit, Lender's
        standard form Application for Irrevocable Commercial Letter of Credit
        and Commercial Letter of Credit Agreement, or other standard application
        and agreement for letters of credit in use by Lender from time to time.

        "LETTERS OF CREDIT" means the letters of credit to Lender's standard
        form from time to time issued pursuant to this Agreement and any
        Existing Letters of Credit.

        "REIMBURSEMENT AMOUNT" means the amount Borrower is obligated to pay to
        Lender under a Letter of Credit Agreement in respect of a draft drawn or
        drawn and accepted under the respective Letter of Credit, which amount
        shall be the amount of the draft or acceptance and all costs, expenses,
        fees, and other amounts then payable by Borrower to Lender under the
        Letter of Credit Agreement.

ISSUANCE OF LETTERS OF CREDIT. Subject to the terms and conditions of this
Agreement and the Letter of Credit Agreements and subject to the policies,
procedures, and requirements of Lender in effect from time to time for issuance
of Letters of Credit (including, without limitation, payment of letter of credit
fees), Lender agrees to issue, from time to time on or before the maturity date
of the Note, Letters of Credit upon request by and for the account of Borrower,
provided that as to each requested Letter of Credit Borrower has delivered to
Lender a completed and executed Letter of Credit Agreement, and provided further
that the last date for payment of drafts drawn or drawn and accepted under a
requested Letter of Credit is at least thirty (30) days before the maturity date
of the Note. Each reference in this Agreement to "issue" or "issuance" or other
forms of such words in relation to Letters of Credit shall also include any
extension or renewal of a Letter of Credit. Upon occurrence of an event of
default, or any condition or event that with notice, passage of time, or both
would be an Event of Default, Lender, in its absolute and sole discretion and
without notice, may suspend the commitment to issue Letters of Credit. In
addition, upon occurrence of an Event of Default, Lender, in its absolute and
sole discretion and without notice, may terminate the commitment to issue
Letters of Credit.

ISSUANCE PROCEDURE. To obtain a Letter of Credit, Borrower shall complete and
execute a Letter of Credit Agreement and submit it to the letter of credit
department of Lender. Upon receipt of a completed and executed Letter of Credit
Agreement, Lender will process the application in accordance with the policies,
procedures, and requirements of Lender then in effect. If the application meets
the requirements of Lender and is within the policies of Lender then in effect,
Lender will issue the requested Letter of Credit.

REIMBURSEMENT OF LENDER FOR PAYMENT OF DRAFTS DRAWN OR DRAWN AND ACCEPTED UNDER
LETTERS OF CREDIT. The obligation of Borrower to reimburse Lender for payment by
Lender of drafts drawn or drawn and accepted under a Letter of Credit shall be
as provided in the respective Letter of Credit Agreement. Lender will notify
Borrower of payment by Lender of a draft drawn or drawn and accepted under a
Letter of Credit and of the respective Reimbursement Amount and will give
Borrower the election (i) to pay the Reimbursement Amount pursuant to the
respective Letter of Credit Agreement or (ii) to pay the Reimbursement Amount by
Lender making an Advance subject to the terms and conditions of this Agreement
and applying the proceeds of the Advance to pay the Reimbursement Amount. If
Borrower does not communicate to Lender its election within two Business Days
after notification by Lender of payment of the draft or acceptance, Borrower
shall be deemed to have elected to pay the Reimbursement Amount by Lender making
an Advance hereunder, provided that if the terms and conditions in this
Agreement for an Advance hereunder are not satisfied, Borrower shall be deemed
to have elected to pay the Reimbursement Amount pursuant to the Letter of Credit
Agreement. Each Advance to pay a Reimbursement Amount shall be dated the date
that Lender pays the respective draft or acceptance and shall accrue interest
from and after such date. If Borrower is to pay the Reimbursement Amount
pursuant to the Letter of Credit Agreement, Borrower shall also pay to Lender
interest on the Reimbursement Amount from and including the date Lender pays the
respective draft or acceptance at the rate per annum at which interest is then
accruing under the Note until the Reimbursement Amount and such interest are
paid in full, provided that if Borrower fails to pay the Reimbursement Amount
and accrued interest thereon within five (5) days after notification by Lender
to Borrower of payment of the respective draft or acceptance, interest
thereafter shall accrue at the interest rate applicable to past-due payments
under the Note. Such interest shall be computed on the basis of a 360-day year
and accrue on a daily basis for the actual number of days elapsed.
Notwithstanding the above, if Borrower elects or is deemed to have elected to
pay the Reimbursement Amount pursuant to the Letter of Credit Agreement and
fails to pay the Reimbursement Amount and interest thereon within five (5) days
after notification by Lender to Borrower, Lender, in its absolute and sole
discretion and without notice to Borrower and regardless of whether the terms
and conditions in this Agreement for Advances are satisfied, may make an Advance
under this Agreement in the amount of the Reimbursement Amount and accrued
interest thereon and apply the proceeds of such Advance to pay the Reimbursement
Amount and accrued interest.

LETTERS OF CREDIT AND ADVANCES. Letters of Credit may be issued by Lender at the
oral or written request of the respective person or persons designated in the
Agreement to request Advances. Such person or persons are hereby authorized by
Borrower to request Letters of Credit and Advances, to execute and deliver
Letter of Credit Agreements on behalf of Borrower, and to direct disposition of
the proceeds of Advances until written notice of the revocation of such
authority is received from Borrower by Lender and Lender has had a reasonable
time to act upon such notice. Lender shall have no duty to monitor for Borrower
or to report to Borrower the use of Letters or Credit or proceeds of Advances
Advances shall be disbursed by Lender in the manner agreed upon by Lender and
Borrower from time to time.

LIMIT ON LETTERS OF CREDIT AND ADVANCES. Anything in the Related Documents to
the contrary notwithstanding, the sum from time to time of (i) the aggregate
amount of outstanding and undrawn Letters of Credit, (ii) the aggregate amount
of outstanding and unpaid drafts drawn or drawn and accepted under Letters of
Credit, (iii) the aggregate amount of unpaid Reimbursement Amounts, and (iv) the
amount of outstanding and unpaid Advances shall not exceed $3,000,000.00,
provided, that if such sum at any time exceeds such amount, Borrower, without
notice or demand, shall immediately make a payment to Lender in an amount equal
to the sum of (A) such excess and (B) accrued and unpaid interest thereon.

                                       1
<PAGE>   15

COLLATERAL UPON EVENT OF DEFAULT. Upon an event of default and demand by Lender
in its absolute and sole discretion, Borrower shall immediately deliver to
Lender as security for all obligations of Borrower under the Related Documents
(including, without limitation, the obligation to pay Reimbursement Amounts),
immediately available funds in an amount equal to the sum of (i) the aggregate
amount of outstanding and undrawn Letters of Credit, and (ii) the aggregate
amount of outstanding and unpaid drafts drawn or drawn and accepted under
Letters of Credit. Borrower hereby grants to Lender a security interest in all
such funds delivered to Lender to secure payment and performance of the
Indebtedness.

CONDITIONS PRECEDENT TO LETTERS OF CREDIT. Lender's obligation to issue a Letter
of Credit shall be subject to the conditions precedent to Advances set forth in
the loan Agreement being satisfied as of the date of the issuance of such Letter
of Credit and after giving effect thereto. Delay or failure by Lender to insist
on satisfaction of any condition precedent to the issuance of a Letter of Credit
or the making of an Advance shall not be a waiver of such condition precedent or
any other condition precedent. If Borrower is unable to satisfy any condition
precedent to the issuance of a Letter of Credit or making an Advance, the
issuance of the Letter of Credit or the making of the Advance shall not preclude
Lender from thereafter declaring the condition or event causing such inability
to be an event of default.

Dated this___________day of______________, 199___.

BORROWER:

THE TRIZETTO GROUP, INC.,
a Delaware corporation

By:   /s/ JEFFREY H. MARGOLIS
   --------------------------------------
   JEFFREY H. MARGOLIS, PRESIDENT AND CEO

LENDER:

BANK ONE, COLORADO, NA
a national banking association

By:
   --------------------------------------
   Robert O'Leary, Assistant Vice President

                                       2
<PAGE>   16
                                    ADDENDUM
--------------------------------------------------------------------------------
BORROWER:    THE TRIZETTO GROUP, INC.        LENDER:   BANK ONE, COLORADO, NA
             A DELAWARE CORPORATION                    CORPORATE LENDING BOULDER
             567 SAN NICOLAS DRIVE,                    1125 17" STREET
             SUITE 360                                 DENVER, CO. 80217
             NEWPORT BEACH, CA 92660
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THIS ADDENDUM IS ATTACHED TO AND BY THIS REFERENCE IS MADE A PART OF THE
BUSINESS LOAN AGREEMENT DATED OCTOBER 27, 1999, AND EXECUTED BY BANK ONE,
COLORADO, NA AND THE TRIZETTO GROUP, INC., A DELAWARE CORPORATION.

ADDITIONAL AFFIRMATIVE COVENANT - CURRENT RATIO. Borrower further covenants and
agrees with Lender that, while this Agreement is in effect, Borrower will comply
at all times with the following covenant and ratio: Maintain a ratio of Liquid
Assets plus Inventory, to current liabilities in excess of 3.00 to 1.00 (i)
monthly if the principal balance outstanding is greater than zero or (ii)
quarterly when the principal balance outstanding is zero.

ADDITIONAL AFFIRMATIVE COVENANT - TANGIBLE NET WORTH. Borrower further covenants
and agrees with Lender that, while this Agreement is in effect, Borrower will
comply at all times with the following covenant and ratio: Maintain a Tangible
Net Worth of not less than $31,000,000 (i) monthly if the principal balance
outstanding is greater than zero or (ii) quarterly when the principal balance
outstanding is zero.

For purposes of this Agreement and to the extent the following terms are
utilized in this Agreement: The term "Tangible Net Worth" shall mean Borrower's
total assets excluding all intangible assets (including, without limitation,
goodwill, trademarks, patents, copyrights, organization expenses, and similar
intangible items) less total liabilities excluding Subordinated Debt. The term
"Subordinated Debt" shall mean all indebtedness owing by Borrower which has been
subordinated by written agreement to all indebtedness now or hereafter owing by
Borrower to Lender, such agreement to be in form and substance acceptable to
Lender. The term "Liquid Assets", shall mean Borrower's unencumbered cash,
marketable securities and accounts receivable net of reserves. The term
"Distributions'" shall mean all dividends and other distributions made by
Borrower to its shareholders, partners, owners or members, as the case may be,
other than salary, bonuses and other compensation for services expended in the
current accounting period. Except as provided above, all computations made to
determine compliance with the requirements contained in this paragraph shall be
made in accordance with generally accepted accounting principles, applied on a
consistent basis, and certified as being true and correct.

ADDITIONAL AFFIRMATIVE COVENANT - FINANCIAL STATEMENTS. Borrower further
covenants and agrees with Lender that, while this Agreement is in effect,
Borrower will furnish Lender within thirty (30) days of each (i) month end if
the principal balance outstanding is greater than zero or (ii) fiscal quarter
end if the principal balance outstanding is zero, with Borrower's balance sheet
and income statement for the period ended, prepared and certified, subject to
year-end review adjustments, as correct to the best knowledge and belief by its
chief financial officer or other person reasonably acceptable to Lender.

ADDITIONAL AFFIRMATIVE COVENANT - COMPLIANCE CERTIFICATE. Borrower further
covenants and agrees with Lender that, while this Agreement is in effect,
Borrower will comply at all times with the following covenant and ratio: Unless
waived in writing by Lender, provide Lender thirty (30) days after each (i)
month if the principal balance outstanding is greater than zero, or (ii) fiscal
quarter if the principal balance outstanding is zero, with a certificate
executed by Borrower's chief financial officer, or other officer or person
acceptable to Lender, (a) certifying that the representations and warranties set
forth in this Agreement are true and correct as to the date of the certificate
and that, as of the date of the certificate, no Event of Default exists under
this Agreement, and (b) demonstrating compliance with all financial covenants
set forth in this Agreement.

ADDITIONAL AFFIRMATIVE COVENANT - BORROWING BASE CERTIFICATE. Borrower further
covenants and agrees with Lender that, while this Agreement is in effect,
Borrower will provide Lender within thirty (30) days after each (i) month if the
principal balance outstanding is greater than zero, or (ii) fiscal quarter if
the principal balance outstanding is zero, Borrower shall deliver to Lender, a
borrowing base certificate, in form and detail satisfactory to Lender, along
with such supporting documentation as Lender may request including a list or
schedule of Borrower's inventory and/or equipment.

ADDITIONAL AFFIRMATIVE COVENANT - ADDITIONAL REPORTING. Borrower further
covenants and agrees with Lender that, while this Agreement is in effect,
Borrower will provide Lender (a) within thirty (30) days of each (i) month if
the principal balance outstanding is greater than zero, or (ii) fiscal quarter
if the principal balance outstanding is zero, an aging and listing of all
accounts receivable prepared in accordance with generally accepted accounting
principles which itemizes each account debtor by name and which states the total
amount payable to Borrower and contains a breakdown indicating future amounts
due and when due, current amounts due, amounts thirty (30) days past due, sixty
(60) days past due and ninety (90) or more days past due, and reflecting any
credit adjustments, returns and allowances; (b) within thirty (30) days of each
fiscal year end, Borrower's annual projections for the year immediately
following (balance sheet, income statement, cash flow) showing monthly activity
forecast.

<PAGE>   17
10-27-1997                          ADDENDUM
LOAN NO.                           (CONTINUED)                            PAGE 2
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LINE OF CREDIT CLEARANCE. Borrower shall, at lease once during the term of the
Line of Credit, reduce and maintain the outstanding principal balance of the
Line of Credit to $0.00 for a period of at least thirty (30) consecutive
calendar days.

ADDITIONAL NEGATIVE COVENANT - CHANGE IN MANAGEMENT. Borrower further covenants
and agrees with Lender that, while this Agreement is in effect, Borrower shall
not, without the prior written consent of Lender permit a material change in the
capacity, responsibility or authority of the following management personnel:
Jeffrey H. Margolis and D. Brian Karr.

ADDITIONAL NEGATIVE COVENANT - TRANSFER OF OWNERSHIP. Borrower further covenants
and agrees with Lender that, while this Agreement is in effect, Borrower shall
not, without the prior written consent of Lender permit the sale, pledge or
other transfer of any ownership interest in Borrower. Additional equity raised
may be used to retire outstanding capital stock.

THIS ADDENDUM IS EXECUTED OCTOBER 27, 1999.

BORROWER:

THE TRIZETTO GROUP, INC., A DELAWARE CORPORATION

BY:   /s/ JEFFREY H. MARGOLIS
   --------------------------------------
   JEFFREY H. MARGOLIS, PRESIDENT AND CEO

LENDER:

BANK ONE, COLORADO, NA

BY:
   --------------------------------------
   AUTHORIZED OFFICER<PAGE>   1
                                                                   EXHIBIT 10.22

                  FIRST MODIFICATION AND RATIFICATION OF LEASE

        THIS FIRST MODIFICATION AND RATIFICATION OF LEASE is made and entered
into effective this 1st day of November, 1999 by and between ST. PAUL
PROPERTIES, INC., a Delaware corporation ("Landlord"), and THE TRIZETTO GROUP,
INC., a Delaware corporation ("Tenant").

                                  WITNESSETH:

        WHEREAS, Landlord and Tenant entered into that certain Office Lease
dated as of April 26, 1999, as amended by that certain Lease commencement letter
signed by Landlord on September 9, 1999, and by Tenant on September 7, 1999
(hereafter collectively the "Lease"), for the rental of certain commercial real
property located in the Building known as Atrium I, 6061 S. Willow Drive,
Englewood, Colorado, and more particularly described in the Lease as Suite 310
(the "Leased Premises"); and

        WHEREAS, pursuant to Exhibit "B" to the Lease, Landlord agreed to
provide an Additional Construction Credit to Tenant over and above the
Construction Credit, if needed, and which amounts were to be amortized over the
term of the Lease and added to the Base Rent under the Lease in accordance with
Exhibit "B"; and

        WHEREAS, Landlord has provided an Additional Construction Credit to
Tenant of One Hundred Eighteen Thousand and Fifty and No/100 Dollars
($118,050.00), towards construction of tenant improvements on the Premises; and

        WHEREAS, Landlord and Tenant desire to amend the Lease to reflect the
increase in Base Rent payable under the Lease to reflect the amortized cost of
the Additional Construction Credit.

        NOW, THEREFORE, in consideration of the foregoing, the agreements of the
parties, and other good and valuable consideration, the receipt and sufficiency
of which is hereby acknowledged, the parties agree as follows:

        1. Definitions. All capitalized terms used herein not otherwise defined
in this First Modification and Ratification of Lease shall have the
meanings given them in the Lease.

        2. Base Rent. Article 1.03H of the Lease entitled "Base Rent" shall be
amended in its entirety to read as follows:

        Tenant shall pay total aggregate Base Rent during the term of the Lease
        of Two Million Five Hundred Twenty-five Thousand One Hundred Sixty-eight
        and 20/100 Dollars ($2,525,168.20) ($21.04/rentable square foot/year).

<PAGE>   2

        3. Monthly Installments of Base Rent. Article 1.03I of the Lease
entitled "Monthly Installments of Base Rent" shall be amended by replacing the
first and second paragraphs thereof with the following:

        Base Rent shall be payable monthly, in advance, without demand,
        deduction or set-off at the rate of Forty-one Thousand Three Hundred
        Ninety-six and 20/100 Dollars ($41,396.20) per month ($21.04/rentable
        square foot/year).

        Rent Abatement. The foregoing notwithstanding, and provided that no
default (or no event which, with the passage of time or the giving of notice or
both, would constitute and event of default under the Lease) shall have occurred
under this Lease, Base Rent for the Premises, net of operating expenses, and net
of the amortized portion of Base Rent for the Additional Construction Credit in
the amount of Two Thousand Five Hundred Thirty-five and 10/100 Dollars
($2,535.10) per month, shall be abated for a period of one (1) month following
the Commencement Date. In the event of any default by Tenant, the entire amount
of Base Rent that was otherwise abated, as set forth above, shall be immediately
due and payable.

        4. Real Estate Brokers. Tenant hereby warrants and represents to
Landlord that it has not dealt with or been represented by any broker in
connection with its execution of this Third Modification and Ratification of
Lease other than Landlord's listing agent, Venture Group Real Estate, LLC,
acting as agent of Landlord, and Julien J. Studley, Inc., acting as agent of
Tenant. Tenant shall be responsible for payment of any compensation or
commission to its agent, Julien J. Studley, Inc., with respect to this First
Modification and Ratification of Lease and Landlord shall be responsible for
payment of any compensation or commission to Venture Group Real Estate, LLC,
with respect to this First Modification and Ratification of Lease. Tenant agrees
to indemnify and hold Landlord harmless from and against any claims for
commissions or similar compensation from any or person claiming an entitlement
to any such payment as a result of its representation of Tenant. In addition,
Landlord agrees to indemnify and hold Tenant harmless from and against any
claims for commissions or similar compensation from any other broker or person
claiming an entitlement to any such payment as a result of its representation of
Landlord.

        5. No Offer. The submission of this First Modification and Ratification
of Lease by Landlord to the Tenant is not an offer to modify or amend the Lease
and is not effective until execution and delivery by both Landlord and Tenant.

        6. Entire Agreement. This First Modification and Ratification of Lease
contains the entire agreement between the parties as to its subject matter and
supersedes any and all prior agreements, arrangements or understandings between
the parties relating to the subject matter hereof.

        7. Conflicts and Non-Amended Provisions. In the event of any express
conflict or inconsistency between the terms of the Lease and the terms of this
First Modification and Ratification of Lease, the terms of this First
Modification and Ratification of Lease shall

                                       2
<PAGE>   3

control and govern. Except as modified above, the Landlord and Tenant hereby
confirm and ratify the terms, conditions and covenants of the Lease.

        8. Counterparts. This First Modification and Ratification of Lease may
be executed in a number of identical counterparts, each of which shall be deemed
an original for all purposes, but all of which together shall constitute one and
the same instrument.

        IN WITNESS WHEREOF, the parties have entered into this Agreement
effective as of the date first set forth hereinabove.

LANDLORD:                            TENANT:

ST. PAUL PROPERTIES, INC., a         THE TRIZETTO GROUP, INC.,
Delaware corporation                 a Delaware corporation

By: /s/ R. WILLIAM INSERRA           By:  /s/   MJ SUNDERLAND
   -----------------------------     -----------------------------------
      R. William Inserra             Name:  SR VP MJ SUNDERLAND
      Vice President -               Title: & CFO
      Asset Management

                                       3

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