Common use of Disbursement Instructions Clause in Contracts

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Amount paid to Borrower directly: Undisbursed Funds Principal CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Charges Paid in Cash: $ ---- $TBD UCC Search Fees $TBD UCC Filing Fees $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees $TBD Outside Counsel Fees and Expenses (Estimate) AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered ______ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2, 1997.

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Line Amount paid to Borrower directly: $ Undisbursed Funds $ Principal $ CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Charges Paid in Cash: $ ---- $TBD UCC Search Fees $TBD UCC Filing Fees $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees 27,500 Loan Fee $TBD Outside Counsel Fees and Expenses (Estimate) $TBD UCC Search Fee $TBD UCC Filing Fee Total Charges Paid in Cash $ AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered ______ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2APRIL 30, 1997. BORROWER: CENTIGRAM COMMUNICATIONS CORPORATION Authorized Officer CORPORATE RESOLUTIONS TO BORROW Borrower: CENTIGRAM COMMUNICATIONS CORPORATION I, the undersigned Secretary or Assistant Secretary of Centigram Communications Corporation (the "Corporation"), HEREBY CERTIFY that the Corporation is organized and existing under and by virtue of the laws of the State of Delaware. I FURTHER CERTIFY that attached hereto as Attachments 1 and 2 are true and complete copies of the Certificate of Incorporation and Bylaws of the Corporation, each of which is in full force and effect on the date hereof.

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Term Loan --------- Amount paid to Borrower directly: $__________ Undisbursed Funds $__________ Principal $__________ CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Charges Paid in Cash: --------------------- $25,000 Loan Fee $ ---- $TBD Accounts Receivables Audit $ UCC Search Fees $TBD $ UCC Filing Fees $TBD $ Patent Filing Fees $TBD $ Trademark Filing Fees $TBD $ Copyright Filing Fees $TBD $ Outside Counsel Fees and Expenses (Estimate) Total Charges Paid in Cash $__________ AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered ______ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2__________, 1997.1999. iPhysician Net Inc. --------------------------------------------- Authorized Officer --------------------------------------------- 28 AGREEMENT TO PROVIDE INSURANCE Grantor: iPhysician Net Inc. Bank: Far East National Bank -------------------------------------------------------------------------------- INSURANCE REQUIREMENTS. The undersigned ("Grantor") understands that insurance coverage is required in connection with the extending of a loan or the providing of other financial accommodations to Grantor by Bank. These requirements are set forth in the Loan Documents. The following minimum insurance coverages must be provided on the following described collateral (the "Collateral"):

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Equipment Line -------------- Amount paid to Borrower directly: directly $_____ Undisbursed Funds $_____ Principal $_____ CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Prepaid Finance Charges Paid in Cash: $ ---- $TBD _____ $2,500 Loan Fee N/A Accounts Receivables Audit Other Charges Paid in Cash: $_____ $_____ UCC Search Fees $TBD _____ UCC Filing Fees $TBD N/A Patent Filing Fees $TBD N/A Trademark Filing Fees $TBD N/A Copyright Filing Fees $TBD _____ Outside Counsel Fees and Expenses (EstimateESTIMATE, DO NOT LEAVE BLANK) Total Charges Paid in Cash $_____ AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered _________________ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2_______________________, 1997.19___. BORROWER: ___________________________________ Authorized Officer AGREEMENT TO PROVIDE INSURANCE Grantor: FaxSav Incorporated Bank: Silicon Valley Bank INSURANCE REQUIREMENTS. FaxSav Incorporated ("Grantor") understands that insurance coverage is required in connection with the extending of a loan or the providing of other financial accommodations to Grantor by Bank. These requirements are set forth in the Loan Documents. The following minimum insurance coverages must be provided on the following described collateral (the "Collateral"):

Disbursement Instructions. Borrower understands Bo▇▇▇▇▇▇ ▇nderstands that no loan proceeds will be disbursed until all of Bank's Le▇▇▇▇'▇ conditions for making the loan have been satisfied. Please disburse the loan proceeds of $6,000,000.00 as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Amount paid to Borrower directlyUndisbursed Funds: Undisbursed Funds Principal $6,000,000.00 Note Principal: $6,000,000.00 CHARGES PAID IN CASH. Borrower has Bo▇▇▇▇▇▇ ▇as paid or will pay in cash as agreed the following charges: Prepaid Finance Charges Paid in Cash: $ ---- $TBD UCC Search Fees 15,000.00 $TBD UCC Filing Fees 15,000.00 LOAN FEES Total Charges Paid in Cash: $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees $TBD Outside Counsel Fees and Expenses (Estimate) 15,000.00 TAX IDENTIFICATION CERTIFICATION. The Tax Identification Number for R.▇. ▇▇▇▇▇▇▇▇, INC. is 68-▇▇▇▇▇▇▇. I certify under penalties of perjury the above tax identification information is correct. PAYMENT BY AUTOMATIC PAYMENTSDEDUCTION. Borrower hereby authorizes Bank Lender to automatically to deduct the amount of all principal and/or interest payments on this Note from Borrower's account numbered ______ the amount of any loan paymentnumber 8110-012690 with Lender or such other account as Borrower may designate in writing. If the there are insufficient funds in the account are insufficient to cover pay the automatic deduction in full, Lender may allow the account to become overdrawn, or Lender may reverse the automatic deduction. Borrower will pay all fees on the account which result from the automatic deductions, including any overdraft/NSF charges. If for any reason Le▇▇▇▇ ▇oes not charge the account for a payment, Bank shall not be obligated or if an automatic payment is reversed, the payment is still due according to advance funds this Note. If the account is a Money Market Account, the number of withdrawals from that account is limited as set out in the account agreement. Lender may cancel the automatic deduction at any time in its discretion. COMMERCIAL SWEEP ACCOUNT LINE OF CREDIT ADDENDUM. An exhibit, titled "COMMERCIAL SWEEP ACCOUNT LINE OF CREDIT ADDENDUM," is attached to cover this Agreement and by this reference is made a part of this Agreement just as if all the paymentprovisions, terms and conditions of the Exhibit had been fully set forth in this Agreement. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS BO▇▇▇▇▇▇ ▇EPRESENTS AND WARRANTS TO BANK LENDER THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO MATERIAL ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANKLE▇▇▇▇. THIS AUTHORIZATION IS DATED AS OF JULY 2APRIL 1, 1997.. BORROWER: R. ▇. ▇▇▇▇▇▇▇▇, INC. By: //s// La▇▇ ▇▇▇▇▇▇▇▇ By: //s// Ro▇▇▇▇ ▇. ▇▇▇▇▇ ▇ITLE VP Operations TITLE CFO 11 ALTERNATIVE RATE OPTIONS PROMISSORY NOTE (PRIME RATE, IBOR) $ 6,000,000.00 Date: APRIL 1, 1997

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Bridge Loan ------------ Amount paid to Borrower directly: $750,000 Undisbursed Funds $ ---------- Principal $ ---------- CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Prepaid Finance Charges Paid in Cash: $ ---- ---------- $10,000 Loan Fee $ Accounts Receivable Audit Fee -------- Other Charges Paid in Cash: $ ---------- $ TBD UCC Search Fees $-------- $ TBD UCC Filing Fees $-------- $ TBD Patent Filing Fees $-------- $ TBD Trademark Filing Fees $-------- $ TBD Copyright Filing Fees $-------- $ TBD Outside Counsel Fees and Expenses (Estimate) -------- Total Charges Paid in Cash $ ---------- AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered ______ ________the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2JUNE 26, 19971996.

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Term Loan Revolving Advance Equipment/Leasehold ----------------- ------------------- Line --------- -------------- Amount paid to Borrower directly: $_____ $_____ Undisbursed Funds $_____ $_____ Principal $575,000 $10,000,000 CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Charges Paid in Cash: $ ---- $TBD 25,000 Loan Fee ________$Accounts Receivables Audit $100 UCC Search Fees $TBD 100 UCC Filing Fees ________$TBD Patent Filing Fees ________$TBD Trademark Filing Fees ________$TBD Copyright Filing Fees ________$TBD Outside Counsel Fees and Expenses (Estimate) Total Charges Paid in Cash $________ AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered ______________ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. At any time and for any reason, Borrower or Bank may voluntarily terminate Automatic Payments. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2DECEMBER 30, 1997.. BORROWER: Brio Technology ________________________________ Authorized Officer AGREEMENT TO PROVIDE INSURANCE GRANTOR: Brio Technology, Inc. BANK: Silicon Valley Bank INSURANCE REQUIREMENTS. Brio Technology, Inc. ("Grantor") understands that insurance coverage is required in connection with the extending of a loan or the providing of other financial accommodations to Grantor by Bank. These requirements are set forth in the Loan Documents. The following minimum insurance coverages must be provided on the following described collateral (the "Collateral"):

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Line -------------- Amount paid to Borrower directly: $ --------- Undisbursed Funds $ --------- Principal $5,000,000 CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Charges Paid in Cash: $30,000 Loan Fee $ ---- $TBD Accounts Receivables Audit ------ $ 100 UCC Search Fees $TBD $ 100 UCC Filing Fees $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees $TBD $ Outside Counsel Fees and Expenses (Estimate) ------ Total Charges Paid in Cash $ ------ AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered ______ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2, 1997.19 . BORROWER: AG Associates, Inc. ----------------------------------------------------- Authorized Officer -------------------------------------------------------------------------------- 31 AGREEMENT TO PROVIDE INSURANCE GRANTOR: AG Associates, Inc. BANK: Silicon Valley Bank -------------------------------------------------------------------------------- INSURANCE REQUIREMENTS. AG Associates, Inc. ("Grantor") understands that insurance coverage is required in connection with the extending of a loan or the providing of other financial accommodations to Grantor by Bank. These requirements are set forth in the Loan Documents. The following minimum insurance coverages must be provided on the following described collateral (the "Collateral"):

Disbursement Instructions. Borrower understands Bor▇▇▇▇▇ ▇▇derstands that no loan proceeds will be disbursed until all of Bank's Len▇▇▇'▇ conditions for making the loan have been satisfied. Please disburse the loan proceeds of $500,000 as follows: Revolving Advance EquipmentUNDISBURSED FUNDS: $ 62,500.00 AMOUNT PAID ON BORROWER'S ACCOUNT: $437,500.00 Payment on Loan #67/75 L/Leasehold ----------------- ------------------- Amount paid to Borrower directlyC $437,500.00 ----------- NOTE PRINCIPAL: Undisbursed Funds Principal $500,000.00 CHARGES PAID IN CASH. Borrower has Bor▇▇▇▇▇ ▇▇s paid or will pay in cash as agreed the following charges: Charges Paid in CashPREPAID FINANCE CHARGES PAID IN CASH: $ ---- $TBD UCC Search Fees 1,300.00 $TBD UCC Filing Fees 1,300.00 LOAN FEES --------- TOTAL CHARGES PAID IN CASH: $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees $TBD Outside Counsel Fees and Expenses (Estimate) 1,300.00 PAYMENT BY AUTOMATIC PAYMENTSDEDUCTION. Borrower hereby authorizes Bank Lender to automatically to deduct the amount of all principal and/or interest payments on this Note from Borrower's account numbered ______ the amount of any loan paymentnumber 1-643-0112-0709 with Lender or such other account as Borrower may designate in writing. If the there are insufficient funds in the account are insufficient to cover pay the automatic deduction in full, Lender may allow the account to become overdrawn, or Lender may reverse the automatic deduction. Borrower will pay all fees on the account which result from the automatic deductions, including any overdraft/NSF charges. If for any reason Len▇▇▇ ▇▇es not charge the account for a payment, Bank shall not be obligated or if an automatic payment is reversed, the payment is still due according to advance funds to cover this Note. If the paymentaccount is a Money Market Account, the number of withdrawals from that account is limited as set out in the account agreement. Lender may cancel the automatic deduction at any time in its discretion. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS BOR▇▇▇▇▇ ▇▇PRESENTS AND WARRANTS TO BANK LENDER THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO MATERIAL ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANKLEN▇▇▇. THIS ▇HIS AUTHORIZATION IS DATED AS OF JULY 2JUNE 22, 1997.2001. BORROWER CALIFORNIA BEACH RESTAURANTS, INC. BY: /s/ ALA▇ ▇▇▇▇▇▇▇ -------------------------------- ALA▇ ▇▇▇▇▇▇▇, ▇RESIDENT =============================================================================== AGREEMENT TO PROVIDE INSURANCE --------------------------------------------------------------------------------------------------------- Principal Loan Date Maturity Loan No. Call Collateral Account Officer Initials 700,000.00 06-22-2001 09-15-2002 2789-34 070 1705522447 R-B83 /s/ [ILLEGIBLE] --------------------------------------------------------------------------------------------------------- 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. BORROWER: CALIFORNIA BEACH RESTAURANTS, INC. LENDER: U.S. BANK NATIONAL ASSOCIATION 173▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ ▇RANTOR: CALIFORNIA BEACH RESTAURANTS, INC. AND SEA VIEW RESTAURANTS, INC. 173▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇ ▇▇LISADES, CA 90272 ========================================================================================================= INSURANCE REQUIREMENTS. We, CALIFORNIA BEACH RESTAURANTS, INC. and SEA VIEW RESTAURANTS, INC. ("Grantor), understand that insurance coverage is required in connection with the extending of a loan or the providing of other financial accommodations to CALIFORNIA BEACH RESTAURANTS, INC. ("Borrower") by Len▇▇▇. ▇hese requirements are set forth in the security documents. The following minimum insurance coverages must be provided on the following described collateral (the "Collateral"):

Disbursement Instructions. (a) Promptly upon its receipt of each Payment Report and the notices described in Section 6.02, Lender shall determine, in consultation with Borrower understands that and Parent, the Calculations relating to the next Quarterly Payment Date, which Calculations shall be binding on all parties hereto absence manifest error. (b) Promptly upon its determination, in consultation with Borrower and Parent, of the Calculations, but in no loan proceeds will event later than [**] Business Days prior to the next Quarterly Payment Date, Lender and Borrower shall jointly deliver to Parent and Escrow Agent a duly executed written notice setting forth the following transfers to be disbursed until all made by Escrow Agent from the Escrow Account on such Quarterly Payment Date in the following order of Bank's conditions for making priority (a “Joint Disbursement Instruction”): (i) The amount of Escrow Agent Fees described in Section 6.02(a) not previously reimbursed, if any, to be transferred by Escrow Agent to Parent on such Quarterly Payment Date, together with the loan have been satisfied. Please disburse account of Parent to which such funds are to be transferred under the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Amount Escrow Agreement; (ii) The amount of Academic Payments described in Section 6.02(c) not previously paid or reimbursed, if any, to be transferred by Escrow Agent to Parent on such Quarterly Payment Date, together with the account of Parent to which such funds are to be transferred under the Escrow Agreement; (iii) The amount of Borrower Expenses described in Section 6.02(b) not previously paid or reimbursed, if any, to be transferred by Escrow Agent to Borrower directly: Undisbursed Funds Principal CHARGES PAID IN CASH. on such Quarterly Payment Date, together with the account of Borrower has paid or will pay to which such funds are to be transferred under the Escrow Agreement; (iv) The amount of Indemnity Collection Costs described in cash as agreed Section 6.02(d) not previously reimbursed, if any, to be transferred by Escrow Agent to Parent on such Quarterly Payment Date, together with the following charges: Charges Paid in Cash: $ ---- $TBD UCC Search Fees $TBD UCC Filing Fees $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees $TBD Outside Counsel Fees and Expenses account of Parent to which such funds are to be transferred under the Escrow Agreement; (Estimatev) AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered ______ To the extent the Available Amount is sufficient therefor, (A) the amount of any loan payment. If unpaid and uncaptialized interest accrued during prior Interest Periods, if any, to be transferred by Escrow Agent to Lender on such Quarterly Payment Date, (B) the funds in amount of interest accrued during the current Interest Period to be transferred by Escrow Agent to Lender on such Quarterly Payment Date, and (C) the amount of outstanding principal under the Loan to be transferred by Escrow Agent to Lender on such Quarterly Payment Date, together with the account of Lender to which such funds are insufficient to cover be transferred under the Escrow Agreement; and (vi) The Residual Amount, if any, to be transferred by Escrow Agent to the Residual Account on such Quarterly Payment Date. For the avoidance of doubt, such Disbursement Instruction shall specify the Quarterly Payment Date on which such transfers are to be made by Escrow Agent pursuant to the Escrow Agreement and instruct Escrow Agent to make such transfers on such date. (c) In the event Lender and Borrower fail to jointly deliver to Escrow Agent the Disbursement Instruction at least [**] Business Days prior to any paymentQuarterly Payment Date, Bank the parties hereto agree that so long as Parent has timely delivered to Borrower and Lender the notices described in Section 6.02(a) and Section 6.02(c), Parent shall have the right to deliver to Escrow Agent a duly executed written notice of the occurrence of such failure, setting forth: (i) the amount of Escrow Agent Fees described in Section 6.02(a) not previously reimbursed, if any, to be obligated transferred by Escrow Agent to advance Parent on such Quarterly Payment Date (which amount shall be equal to the amount stated in such applicable notice); (ii) the amount of Academic Payments described in Section 6.02(c) not previously paid or reimbursed, if any, to be transferred by Escrow Agent to Parent on such Quarterly Payment Date (which amount shall be equal to the amount stated in such applicable notice); (iii) the account of Parent to which such funds are to cover be transferred under the paymentEscrow Agreement; and (iv) the Quarterly Payment Date on which such transfers are to be made by Escrow Agent pursuant to the Escrow Agreement (a “Parent Disbursement Instruction”). FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATIONIn the event Lender has delivered an Event of Default Notice to Escrow Agent, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2the parties hereto further agree that so long as Parent has timely delivered to Borrower and Lender the notices described in Section 6.02(a) and Section 6.02(c), 1997Parent shall have the right to deliver a Parent Disbursement Instruction to Escrow Agent.

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Bridge Amount paid to Borrower directly: $_________ Undisbursed Funds $_________ Principal $2,500,000 CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Charges Paid in Cash: $ ---- $TBD UCC Search Fees $TBD UCC Filing Fees $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees 18,750 Initial Loan Fee $TBD Outside Counsel Fees and Expenses (Estimate) Total Charges Paid in Cash: $___________ AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered _____________ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2OCTOBER _______, 19971999. BORROWER: ▇▇▇▇▇▇▇▇.▇▇▇ ______________________________________ Authorized Officer AGREEMENT TO PROVIDE INSURANCE Grantor: ▇▇▇▇▇▇▇▇.▇▇▇ Bank: Silicon Valley Bank ================================================================================ INSURANCE REQUIREMENTS. ▇▇▇▇▇▇▇▇.▇▇▇ ("Grantor") understands that insurance coverage is required in connection with the extending of a loan or the providing of other financial accommodations to Grantor by Bank. These requirements are set forth in the Loan Documents. The following minimum insurance coverages must be provided on the following described collateral (the "Collateral"):

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Revolver Amount paid to Borrower directly: $ Undisbursed Funds $ Principal $7,000,000 CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Charges Paid in Cash: $ ---- $TBD UCC Search Fees $TBD UCC Filing Fees $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees 17,500 Loan Fee $TBD Outside Counsel Fees and Expenses (Estimate) Total Charges Paid in Cash: $___________ AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered _____________ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S Borrower's FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S Borrower's MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2JUNE 11, 1997.1999. BORROWER: ARTHROCARE CORPORATION Authorized Officer AGREEMENT TO PROVIDE INSURANCE Grantor: ARTHROCARE CORPORATION Bank: Silicon Valley Bank

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Line Equipment Line Amount paid to Borrower directly: $ ____ $__________ Undisbursed Funds $ ____ $__________ Principal $ ____ $__________ CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Prepaid Finance Charges Paid in Cash: $____ $10,0000 Loan Fee $ ---- TBD Accounts Receivables Audit Other Charges Paid in Cash: $____ $ TBD UCC Search Fees $$ TBD UCC Filing Fees $$ TBD Patent Filing Fees $$ TBD Trademark Filing Fees $$ TBD Copyright Filing Fees $$ TBD Outside Counsel Fees and Expenses (Estimate) Total Charges Paid in Cash $_____ AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered _____________ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2JUNE 19, 1997.. BORROWER: INNERDYNE, INC. _____________________________________ Authorized Officer ------------------------------------------------------------------------------- AGREEMENT TO PROVIDE INSURANCE GRANTOR: InnerDyne, Inc. BANK: Silicon Valley Bank ------------------------------------------------------------------------------- INSURANCE REQUIREMENTS. InnerDyne, Inc. ("Grantor") understands that insurance coverage is required in connection with the extending of a loan or the providing of other financial accommodations to Grantor by Bank. These requirements are set forth in the Loan Documents. The following minimum insurance coverages must be provided on the following described collateral (the "Collateral"):

Disbursement Instructions. Borrower understands that no loan proceeds will be disbursed until all of Bank's conditions for making the loan have been satisfied. Please disburse the loan proceeds as follows: Revolving Advance Equipment/Leasehold ----------------- ------------------- Line Amount paid to Borrower directly: $ -------- Undisbursed Funds $ -------- Principal $ -------- CHARGES PAID IN CASH. Borrower has paid or will pay in cash as agreed the following charges: Prepaid Finance Charges Paid in Cash: $ ---- -------- $ 20 ,000 Loan Fee $ Accounts Receivables Audit --------- Other Charges Paid in Cash: $ -------- $TBD UCC Search Fees $TBD 75 UCC Filing Fees $TBD Patent Filing Fees $TBD Trademark Filing Fees $TBD Copyright Filing Fees $TBD Outside Counsel Fees and Expenses (Estimate) Total Charges Paid in Cash $ -------- AUTOMATIC PAYMENTS. Borrower hereby authorizes Bank automatically to deduct from Borrower's account numbered ______________ the amount of any loan payment. If the funds in the account are insufficient to cover any payment, Bank shall not be obligated to advance funds to cover the payment. FINANCIAL CONDITION. BY SIGNING THIS AUTHORIZATION, BORROWER REPRESENTS AND WARRANTS TO BANK THAT THE INFORMATION PROVIDED ABOVE IS TRUE AND CORRECT AND THAT THERE HAS BEEN NO ADVERSE CHANGE IN BORROWER'S FINANCIAL CONDITION AS DISCLOSED IN BORROWER'S MOST RECENT FINANCIAL STATEMENT TO BANK. THIS AUTHORIZATION IS DATED AS OF JULY 2NOVEMBER 27, 1997.1996. BORROWER: ---------------------------------- ---------------------------------- Authorized Officer