EXHIBIT 10.3
                                                                    ------------


                               FIRST AMENDMENT TO

                       MASTER TRADEMARK LICENSE AGREEMENT

                                     BETWEEN

                     SIGNAL INVESTMENT & MANAGEMENT COMPANY

                                       AND

                                   SUNDEX, LLC


                  This First Amendment to Master Trademark License Agreement is
made and entered into by and between Signal Investment & Management Co., a
Delaware corporation ("Signal"), having its principal place of business at Suite
1300, 1105 Market Street, Wilmington, Delaware 19890, and SunDex, LLC, a
Tennessee limited liability company ("SunDex"), having its principal place of
business located at 1715 W. 38th Street, Chattanooga, Tennessee 37409, effective
as of ____________, 2003.

                  WHEREAS, Signal and SunDex entered into that certain Master
Trademark License Agreement effective as of March 22, 2002 (the "Master
Trademark License Agreement"), pursuant to which Signal licenses to SunDex
certain trademark rights; and

                  WHEREAS, Signal and SunDex desire to amend the Master
Trademark License Agreement as provided hereinafter.

                  NOW, THEREFORE, in consideration of the premises and of the
mutual covenants and agreements contained herein, the parties hereby agree as
follows:

                  1. Section 4.1 of the Master Trademark License Agreement shall
be deleted in its entirety and in lieu thereof shall be inserted the following:

                           4.1 Royalty. Licensee and its sublicensed
         Subsidiaries shall pay to Licensor a fifteen and two-tenths percent
         (15.2%) royalty on Net Sales of all Products sold under the Trademarks
         (the "Royalty"). The Royalty shall be payable quarterly within 45 days
         of the end of each of the Licensee's fiscal quarters.

                  2. Section 4.2 of the Master Trademark License Agreement shall
be deleted in its entirety and in lieu thereof shall be inserted the following:

                           4.1 Sales by Subsidiaries. In the event that Licensee
         grants a sublicense to any Subsidiary, Licensee agrees to pay the
         fifteen and two-tenths percent (15.2%) Royalty due under Section 4.1 on
         all Net Sales of Products by such Subsidiary.

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                  3. Except as expressly set forth herein, this First Amendment
shall not amend or otherwise modify the terms and conditions of the Master
Trademark License Agreement, which shall remain in full force and effect.

                  IN WITNESS WHEREOF, Licensor and Licensee have caused this
First Amendment to be signed in Wilmington, Delaware, effective as of the date
first above written.

                                     SIGNAL INVESTMENT & MANAGEMENT CO.

                                     By:_______________________________________
                                           A. Alexander Taylor II, President


                                     SUNDEX, LLC

                                     By:_______________________________________
                                           A. Alexander Taylor, II, President