Document:

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                                                                 EXHIBIT (10)(c)

            SERVICE REQUEST

                   PLATINUM
---------------------------
      INVESTOR/SM/ SURVIVOR
---------------------------
     THE UNITED STATES LIFE

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PLATINUM INVESTOR SURVIVOR--FIXED OPTION                        MFS Variable Insurance Trust
                                                                ----------------------------
 . Division 242 - USL Declared Fixed Interest Account
                                                                . Division 225 - MFS Capital Opportunities
PLATINUM INVESTOR SURVIVOR--VARIABLE DIVISIONS
                                                                . Division 223 - MFS Emerging Growth
AIM Variable Insurance Funds
----------------------------                                    . Division 226 - MFS New Discovery

 . Division 201 - AIM V.I. International Equity                  . Division 224 - MFS Research

 . Division 202 - AIM V.I. Value                                 Neuberger Berman Advisers Management Trust
                                                                ------------------------------------------
American Century Variable Portfolios, Inc.
------------------------------------------                      . Division 227 - Mid-Cap Growth

 . Division 203 - VP Value                                       PIMCO Variable Insurance Trust
                                                                ------------------------------
Ayco Series Trust
-----------------                                               . Division 229 - PIMCO Real Return Bond

 . Division 211 - Ayco Growth                                    . Division 228 - PIMCO Short-Term Bond

Credit Suisse Warburg Pincus Trust                              . Division 230 - PIMCO Total Return Bond
----------------------------------
                                                                Putnam Variable Trust
 . Division 241 - Small Company Growth                           ---------------------

Dreyfus Investment Portfolios                                   . Division 231 - Putnam VT Diversified Income
-----------------------------
                                                                . Division 232 - Putnam VT Growth and Income
 . Division 214 - MidCap Stock
                                                                . Division 233 - Putnam VT Int'l Growth and Income
Dreyfus Variable Investment Fund
--------------------------------                                SAFECO Resource Series Trust
                                                                ----------------------------
 . Division 212 - Quality Bond
                                                                . Division 234 - Equity
 . Division 213 - Small Cap
                                                                . Division 235 - Growth Opportunities
Fidelity Variable Insurance Products Fund
-----------------------------------------                       The Universal Institutional Funds, Inc.
                                                                ---------------------------------------
 . Division 218 - VIP Asset Manager
                                                                . Division 236 - Equity Growth
 . Division 217 - VIP Contrafund
                                                                . Division 237 - High Yield
 . Division 215 - VIP Equity-Income
                                                                VALIC Company I
 . Division 216 - VIP Growth                                     ---------------

Franklin Templeton Variable Insurance Products Trust            . Division 204 - International Equities
----------------------------------------------------
                                                                . Division 205 - Mid Cap Index
 . Division 243 - Franklin U.S. Government
                                                                . Division 206 - Money Market I
 . Division 244 - Mutual Shares Securities
                                                                . Division 207 - Nasdaq-100 Index
 . Division 245 - Templeton International Securities
                                                                . Division 208 - Science & Technology
Janus Aspen Series
------------------                                              . Division 209 - Small Cap Index

 . Division 221 - Aggressive Growth                              . Division 210 - Stock Index

 . Division 219 - International Growth                           Vanguard Variable Insurance Fund
                                                                -------------------------------
 . Division 220 - Worldwide Growth
                                                                . Division 238 - High Yield Bond
J.P. Morgan Series Trust II
---------------------------                                     . Division 239 - REIT Index

 . Division 222 - J.P. Morgan Small Company                      Van Kampen Life Investment Trust
                                                                --------------------------------

                                                                . Division 240 - Strategic Stock

USL0094 REV1101
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 Complete and return this request to:                      The United States Life Insurance Company
         Administrative Center                                  In the City of New York ("USL")
 PO Box 4880 Houston, TX 77210-4880
           (800) 251-3720                                      Administration Center: Houston, TX
Hearing Impaired/TDD: (888) 436-5258
    Toll-Free Fax: (877) 445-3098                       VARIABLE UNIVERSAL LIFE INSURANCE SERVICE REQUEST

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  [_]  POLICY                  1. | POLICY #:_________________________________ CONTINGENT INSURED:__________________________________
       IDENTIFICATION             |                                            CONTINGENT INSURED: _________________________________
                                  | ADDRESS:________________________________________________________________ New Address (yes) (no)
    COMPLETE THIS SECTION FOR     | Primary Owner (if other than an insured):_______________________________
        ALL REQUESTS.             | Address:________________________________________________________________ New Address (yes) (no)
                                  | Primary Owner's S.S. No. or Tax I.D. No.______________ Phone Number:(   )_____-________________
                                  | Joint Owner (if applicable):___________________________________________________________________
                                  | Address:________________________________________________________________ New Address (yes) (no)
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  [_]  NAME                    2. | Change Name Of: (Circle One)     Contingent Insured    Owner   Payor   Beneficiary
       CHANGE                     |
Complete this section if the name | Change Name From: (First, Middle, Last)               Change Name To: (First, Middle, Last)
of one of the Contingent Insureds,| __________________________________________________    __________________________________________
 Owner, Payor or Beneficiary has  |
changed. (Please note, this does  | Reason for Change: (Circle One) Marriage Divorce Correction Other (Attach copy of legal proof)
   not change the Contingent      |
    Insureds, Owner, Payor or     |
    Beneficiary designation.)     |
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  [_]  CHANGE IN               3. | INVESTMENT DIVISION                 PREM % DED % INVESTMENT DIVISION              PREM %  DED %
       ALLOCATION                 | (242) USL DECLARED FIXED INTEREST                NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST
       PERCENTAGES                |       ACCOUNT                       _____ _____  (227) Mid-Cap Growth             _____ _____
  Use this section to indicate    | AIM VARIABLE INSURANCE FUNDS
     how premiums or monthly      | (201) AIM V.I. International Equity _____ _____  PIMCO VARIABLE INSURANCE TRUST
 deductions are to be allocated.  | (202) AIM V.I. Value                _____ _____  (229) PIMCO Real Return Bond     _____ _____
 Total allocation in each column  |                                                  (228) PIMCO Short-Term Bond      _____ _____
     must equal 100%; whole       | AMERICAN CENTURY VARIABLE PORTFOLIOS, INC.       (230) PIMCO Total Return Bond    _____ _____
         numbers only.            | (203) VP Value                      _____ _____
                                  |                                                  PUTNAM VARIABLE TRUST
                                  | AYCO SERIES TRUST                                (231) Putnam VT Diversified
                                  | (211) Ayco Growth                   _____ _____          Income                   _____ _____
                                  |                                                  (232) Putnam VT Growth and
                                  | CREDIT SUISSE WARBURG PINCUS TRUST                       Income                   _____ _____
                                  | (241) Small Company Growth          _____ _____  (233) Putnam VT Int'l Growth and
                                  |                                                          Income                   _____ _____
                                  | DREYFUS INVESTMENT PORTFOLIOS
                                  | (214) MidCap Stock                  _____ _____  SAFECO RESOURCE SERIES TRUST
                                  |                                                  (234) Equity                     _____ _____
                                  | DREYFUS VARIABLE INVESTMENT FUND                 (235) Growth Opportunities       _____ _____
                                  | (212) Quality Bond                  _____ _____
                                  | (213) Small Cap                     _____ _____  THE UNIVERSAL INSTITUTIONAL FUNDS, INC.
                                  |                                                  (236) Equity Growth              _____ _____
                                  | FIDELITY VARIABLE INSURANCE PRODUCTS FUND        (237) High Yield                 _____ _____
                                  | (218) VIP Asset Manager             _____ _____
                                  | (217) VIP Contrafund                _____ _____  VALIC COMPANY I
                                  | (215) VIP Equity Income             _____ _____  (204) International Equities     _____ _____
                                  | (216) VIP Growth                    _____ _____  (205) Mid Cap Index              _____ _____
                                  |                                                  (206) Money Market I             _____ _____
                                  | FRANKLIN TEMPLETON VARIABLE INSURANCE            (207) Nasdaq-100 Index           _____ _____
                                  |  PRODUCTS TRUST                                  (208) Science & Technology       _____ _____
                                  | (243) Franklin U.S. Government      _____ _____  (209) Small Cap Index            _____ _____
                                  | (244) Mutual Shares Securities      _____ _____  (210) Stock Index                _____ _____
                                  | (245) Templeton International       _____ _____
                                  |       Securities                                 VANGUARD VARIABLE INSURANCE FUND
                                  |                                                  (238) High Yield Bond            _____ _____
                                  | JANUS ASPEN SERIES                               (239) REIT Index                 _____ _____
                                  | (221) Aggressive Growth             _____ _____
                                  | (219) International Growth          _____ _____  VAN KAMPEN LIFE INVESTMENT TRUST
                                  | (220) Worldwide Growth              _____ _____  (240) Strategic Stock            _____ _____
                                  |
                                  | J.P MORGAN SERIES TRUST II                       OTHER:_______________________    _____ _____
                                  | (222) J.P Morgan Small Company      _____ _____
                                  |                                                                                   100%   100%
                                  | MFS VARIABLE INSURANCE TRUST
                                  | (225) MFS Capital Opportunities     _____ _____
                                  | (223) MFS Emerging Growth           _____ _____
                                  | (226) MFS New Discovery             _____ _____
                                  | (224) MFS Research                  _____ _____
                                  |
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USL0094 REV 1101                                                        PAGE 2 OF 5
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  [_]  MODE OF                 4. | Indicate frequency and premium amount desired: $______ Annual $_____ Semi-Annual $____ Quarterly
       PREMIUM                    |                                                $_____ Monthly (Bank Draft Only)
       PAYMENT/BILLING            |
       METHOD CHANGE              | Indicate billing method desired: _____Direct Bill  _____Pre-Authorized Bank Draft (attach a
  Use this section to change the  | Bank Draft Authorization Form and "Void"  Check)
 billing frequency and/or method  |
  of premium payment.  Note,      |
however, that USL will not bill   | Start Date: ________/ _______/ _________
   you on a direct monthly basis. |
 Refer to your policy and its     |
 related prospectus for further   |
 information concerning minimum   |
  premiums and billing options.   |
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  [_]  LOST POLICY             5. | I/we hereby certify that the policy of insurance for the listed policy has been
       CERTIFICATE                |  ______LOST ______DESTROYED ______OTHER.
Complete this section if applying |
for a Certificate of Insurance or |  Unless I/we have directed cancellation of the policy, I/we request that a:
 duplicate policy to replace a    |
 lost or misplaced policy. If a   |             _______Certificate of Insurance at no charge
 full duplicate policy is being   |
requested, a check or money order |             _______Full duplicate policy at a charge of $25
 for $25 payable to USL must be   |
  submitted with this request.    | be issued to me/us. If the original policy is located, I/we will return the Certificate
                                  | or duplicate policy to USL for cancellation.
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  [_]  DOLLAR COST             6. | Designate the day of the month for transfers: _______(choose a day from 1-28)
       AVERAGING                  | Frequency of transfers (check one): _____Monthly _____Quarterly _____Semi-Annually _____Annually
     ($5,000 minimum initial      | I want: $________________ ($100 minimum, whole dollars only) taken from the Money Market I
accumulation value) An amount may | Division and transferred to the following Divisions:
be deducted periodically from the |
Money Market I Division and placed| AIM Variable Insurance Funds                    MFS Variable Insurance Trust
  in one or more of the Divisions | (201) AIM V.I. International Equity  $________  (225) MFS Capital Opportunities        $________
 listed. The USL Declared Fixed   | (202) AIM V.I. Value                 $________  (223) MFS Emerging Growth              $________
Interest Account is not available |                                                 (226) MFS New Discovery                $________
for Dollar Cost Averaging. Please | American Century Variable Portfolios, Inc.      (224) MFS Research Division            $________
refer to the prospectus for more  | (203) VP Value                       $________
  information on the Dollar Cost  |                                                 Neuberger Berman Advisers Management Trust
      Averaging Option. Note:     | Ayco Series Trust                               (227) Mid-Cap Growth                   $________
   Automatic Rebalancing is not   | (211) Ayco Growth                    $________
   available if the Dollar Cost   |                                                 PIMCO Variable Insurance Trust
    Averaging Option is chosen.   | Credit Suisse Warburg Pincus Trust              (229) PIMCO Real Return Bond           $________
                                  | (241) Small Company Growth           $________  (228) PIMCO Short-Term Bond            $________
                                  |                                                 (230) PIMCO Total Return Bond          $________
                                  | Dreyfus Investment Portfolios
                                  | (214) MidCap Stock                   $________  Putnam Variable Trust
                                  |                                                 (231) Putnam VT Diversified Income     $________
                                  | Dreyfus Variable Investment Fund                (232) Putnam VT Growth and Income      $________
                                  | (212) Quality Bond                   $________  (233) Putnam VT Int'l Growth and
                                  | (213) Small Cap                      $________        Income                           $________
                                  |
                                  | Fidelity Variable Insurance Products Fund       SAFECO Resource Series Trust
                                  | (218) VIP Asset Manager              $________  (234) Equity                           $________
                                  | (217) VIP Contrafund                 $________  (235) Growth Opportunities             $________
                                  | (215) VIP Equity-Income              $________
                                  | (216) VIP Growth                     $________  The Universal Institutional Funds, Inc.
                                  |                                                 (236) Equity Growth                    $________
                                  | Franklin Templeton Variable Insurance           (237) High Yield                       $________
                                  |  Products Trust
                                  | (243) Franklin U.S. Government       $________  VALIC Company I
                                  | (244) Mutual Shares Securities       $________  (204) International Equities           $________
                                  | (245) Templeton International                   (205) Mid Cap Index                    $________
                                  |       Securities                     $________  (207) Nasdaq-100 Index                 $________
                                  |                                                 (208) Science & Technology             $________
                                  | Janus Aspen Series                              (209) Small Cap Index                  $________
                                  | (221) Aggressive Growth              $________  (210) Stock Index                      $________
                                  | (219) International Growth           $________
                                  | (220) Worldwide Growth               $________  Vanguard Variable Insurance Fund
                                  |                                                 (238) High Yield Bond                  $________
                                  | J.P. Morgan Series Trust II                     (239) REIT Index                       $________
                                  | (222) J.P. Morgan Small Company      $________
                                  |                                                 Van Kampen Life Investment Trust
                                  |                                                 (240) Strategic Stock                  $________
                                  |                                                 OTHER: ___________________________     $________
                                  | _____ INITIAL HERE TO REVOKE DOLLAR COST AVERAGING ELECTION
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USL0094 REV 1101                                              PAGE 3 OF 5
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  [_]  AUTOMATIC               7. |
       REBALANCING                | Indicate frequency: ________Quarterly ________Semi-Annually ________Annually
   ($5,000 minimum accumulation   |
 value) Use this section to apply |              (Division Name or Number)                        (Division Name or Number)
      for or make changes to      |
   Automatic Rebalancing of the   | _______% : ___________________________________     _______%  : ________________________________
 variable divisions. Please refer | _______% : ___________________________________     _______%  : ________________________________
    to the prospectus for more    | _______% : ___________________________________     _______%  : ________________________________
   information on the Automatic   | _______% : ___________________________________     _______%  : ________________________________
       Rebalancing Option.        | _______% : ___________________________________     _______%  : ________________________________
  Note: Dollar Cost Averaging is  | _______% : ___________________________________     _______%  : ________________________________
  not available if the Automatic  | _______% : ___________________________________     _______%  : ________________________________
   Rebalancing Option is chosen.  | _______% : ___________________________________     _______%  : ________________________________
                                  | _______% : ___________________________________     _______%  : ________________________________
                                  | _______% : ___________________________________     _______%  : ________________________________
                                  |
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 [_]  CORRECT AGE              8. | ________ INITIAL HERE TO REVOKE AUTOMATIC REBALANCING ELECTION.
 Use this section to correct the  |
 age of any person covered under  | Name of Contingent Insured for whom this correction is submitted:_______________________________
this policy. Proof of the correct |
date of birth must accompany this |
            request.              | Correct DOB: _________/____________ /_____________
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 [_]  TRANSFER OF              9. |                                     (DIVISION NAME OR NUMBER)         (DIVISION NAME OR NUMBER)
      ACCUMULATED                 |
      VALUES                      | Transfer $_______ or _______% from ____________________________ to _____________________________
  Use this section if you want to |
  move money between divisions.   | Transfer $_______ or _______% from ____________________________ to _____________________________
 The minimum amount for transfers |
 is $500.00. Withdrawals from the | Transfer $_______ or _______% from ____________________________ to _____________________________
 USL Declared Fixed Interest      |
 Account to a Variable Division   | Transfer $_______ or _______% from ____________________________ to _____________________________
 may only be made within 60 days  |
after a contract anniversary. See | Transfer $_______ or _______% from ____________________________ to _____________________________
 transfer limitations outlined in |
 prospectus. If a transfer causes | Transfer $_______ or _______% from ____________________________ to _____________________________
  the balance in any division to  |
  drop below $500, USL reserves   | Transfer $_______ or _______% from ____________________________ to _____________________________
      the right to transfer       |
 the remaining balance. Amounts   | Transfer $_______ or _______% from ____________________________ to _____________________________
    to be transferred should be   |
indicated in dollar or percentage | Transfer $_______ or _______% from ____________________________ to _____________________________
    amounts, maintaining          |
   consistency throughout.        | Transfer $_______ or _______% from ____________________________ to _____________________________
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 [_]  REQUEST FOR             10. |
      PARTIAL                     | ______I request a partial surrender of $_____ or _____% of the net cash surrender value.
      SURRENDER/                  | ______I request a loan in the amount of $_____.
      POLICY LOAN                 | ______I request the maximum loan amount available from my policy.
 Use this section to apply for a  |
 partial surrender from or policy |
 loan against policy values. For  | Unless you direct otherwise below, proceeds are allocated according to the deduction allocation
 detailed information concerning  | percentages in effect, if available; otherwise they are taken pro-rata from the USL Declared
these two options please refer to | Fixed Interest Account and Variable Divisions in use.
   your policy and its related    |
  prospectus. If applying for a   | ________________________________________________________________________________________________
  partial surrender, be sure to   |
complete the Notice of Withholding| ________________________________________________________________________________________________
 section of this Service Request  |
  in addition to this section.    | ________________________________________________________________________________________________
                                  |
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USL0094 REV1101                                                   PAGE 4 OF 5
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 [_]  NOTICE OF               11. | The taxable portion of the distribution you receive from your variable universal life insurance
      WITHHOLDING                 | policy is subject to federal income tax withholding unless you elect not to have withholding
Complete this section if you have | apply. Withholding of state income tax may also be required by your state of residence. You may
 applied for a partial surrender  | elect not to have withholding apply by checking the appropriate box below. If you elect not to
        in Section 11.            | have withholding apply to your distribution or if you do not have enough income tax withheld,
                                  | you may be responsible for payment of estimated tax. You may incur penalties under the
                                  | estimated tax rules, if your withholding and estimated tax are not sufficient.
                                  |
                                  | Check one: ________I DO want income tax withheld from this distribution.
                                  |
                                  |            ________I DO NOT want income tax withheld from this distribution.
                                  |
                                  | IF NO ELECTION IS MADE, WE ARE REQUIRED TO WITHHOLD FEDERAL INCOME TAX (IF APPLICABLE).
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 [_]  AFFIRMATION/            12. | CERTIFICATION: UNDER PENALTIES OF PERJURY, I CERTIFY: (1) THAT THE NUMBER SHOWN ON THIS FORM IS
      SIGNATURE                   | MY CORRECT TAXPAYER IDENTIFICATION NUMBER AND; (2) THAT I AM NOT SUBJECT TO BACKUP WITHHOLDING
   Complete this section for      | UNDER SECTION 3406(A)(1)(C) OF THE INTERNAL REVENUE CODE.
         ALL requests.            |
                                  | THE INTERNAL REVENUE SERVICE DOES NOT REQUIRE YOUR CONSENT TO ANY PROVISION OF THIS DOCUMENT
                                  | OTHER THAN THE CERTIFICATION REQUIRED TO AVOID BACKUP WITHHOLDING.
                                  |
                                  |
                                  |
                                  |
                                  | Dated at_______________this___________day of______________________________________,__________
                                  |         (City, State)
                                  |
                                  | X______________________________________________   X__________________________________________
                                  |  SIGNATURE OF OWNER                                SIGNATURE OF WITNESS
                                  |
                                  |
                                  | X______________________________________________   X__________________________________________
                                  |  SIGNATURE OF JOINT OWNER                          SIGNATURE OF WITNESS
                                  |
                                  |
                                  | X______________________________________________   X__________________________________________
                                  |  SIGNATURE OF ASSIGNEE                             SIGNATURE OF WITNESS
                                  |
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USL0094 REV1101                                              PAGE 5 OF 5
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                                                                   EXHIBIT 10.3

                     AMENDMENT NO. 2 TO LOAN AGREEMENT

         This Amendment No. 2 to Loan Agreement ("Amendment") is made and
entered into as of November 30, 2001 by and between WILLIAM M. RYCHEL ("RYCHEL")
and TEKGRAF, INC., a Georgia corporation ("TEKGRAF").

         Rychel and Tekgraf are parties to the certain loan agreement dated
December 1, 1999 (the "LOAN AGREEMENT"), as amended by Amendment No. 1 to Loan
Agreement dated November 9, 2000, a related promissory note dated December 1,
1999 in the amount of $1,775,000 payable by Rychel to Tekgraf, as amended by
Amended and Restated Promissory Note dated November 9, 2000 (the "Promissory
Note"), a related collateral assignment dated December 1, 1999 (the "COLLATERAL
ASSIGNMENT") and a related stock pledge agreement dated December 1, 1999 (the
"STOCK PLEDGE AGREEMENT").

         Rychel and Tekgraf desire to amend certain of the terms and conditions
of the Loan Agreement as set forth in this Agreement.

         All capitalized terms used but not defined in this Agreement shall have
the meaning set forth in the Loan Agreement.

         NOW, THEREFORE, the parties, intending to legally bound, agree as
follows:

1.       Section 1 of the Loan Agreement is amended and restated in its entirety
to read as follows:

         1. THE LOAN. Tekgraf hereby agrees to loan to Rychel, and Rychel hereby
         agrees to, and hereby does, borrow from Tekgraf, in reliance on and
         subject to the terms and conditions contained herein, the amount of
         $2,102,418 (the "LOAN"). The Loan is evidenced by an amended and
         restated promissory note in the form attached to the Amendment No. 2 to
         Loan Agreement as EXHIBIT A, and by this reference incorporated herein
         and made a part hereof (the "NOTE").

2.       Section 2 of the Loan Agreement is amended and restated in its entirety
to read as follows:

         2. INTEREST RATE. The outstanding principal balance of the Loan shall
         bear interest at the rate per annum that is one fourth of a percentage
         point (.25%) above the rate paid by Tekgraf from time to time under its
         Amended and Restated Loan and Security Agreement dated as of June 9,
         2000, as amended from time to time, between Tekgraf and Wachovia Bank,
         National Association.

3.       Section 3 of the Loan Agreement is amended and restated in its entirety
to read as follows:

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         3. PAYMENT. The principal of and all interest accrued on the Loan shall
         be due and payable on December 1, 2002, or on the next business day if
         December 1, 2002 falls on a day on which national banks are closed.

4.       EXHIBIT A to the Loan  Agreement  is amended and restated in its
entirety to read as set forth on EXHIBIT A to this Amendment.

5.       Except as amended by this Amendment, all other provisions of the Loan
Agreement and all provisions of the Share Pledge Agreement and the Collateral
Assignment shall remain in full force and effect as originally written.

         The parties hereto have executed this Amendment to Loan Agreement as of
the day and year first written above.

                                             TEKGRAF, INC.

/s/ William M. Rychel                        By: /s/ Thomas M. Mason
-----------------------------                    ------------------------------
William M. Rychel                            Its: CFO
980 Corporate Woods Parkway                       -----------------------------
Vernon Hills, IL 60001                       980 Corporate Woods Parkway
Fax: (954) 697-4329                          Vernon Hills, IL 60061
                                             Fax: (954) 697-4329

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                          EXHIBIT A TO AMENDMENT NO. 2
                                TO LOAN AGREEMENT

                              AMENDED AND RESTATED
                                 PROMISSORY NOTE

November 30, 2001                                                     $2,102,418

         FOR VALUE RECEIVED, the undersigned (hereafter referred to as the
"MAKER") promises to pay to the order of Tekgraf, Inc. (hereinafter referred to
as "PAYEE") at Payee's address at 980 Corporate Woods Parkway, Vernon Hills, IL
60061 or at such other place as the holder hereof may designate, the principal
sum of Two Million One Hundred Two Thousand Four Hundred Eighteen Dollars
($2,102,418) (the "LOAN"), together with interest on so much of the principal
balance of the Loan as may be outstanding and unpaid from time to time,
calculated on the basis of a 365 day year and actual days elapsed, at the rate
per annum that is one fourth of a percentage point (.25%) above the rate paid by
Payee from time to time under its Amended and Restated Loan and Security
Agreement dated as of June 9, 2000, as amended from time to time, between Payee
and Wachovia Bank, National Association (the "INTEREST RATE"). The rate paid by
the Payee is calculated as set forth on APPENDIX A.

         This Amended and Restated Promissory Note has been given in connection
with the Loan Agreement dated December 1, 1999 as amended by that certain
Amendment No. 1 to Loan Agreement dated November 9, 2000 and Amendment No. 2 to
Loan Agreement dated November 30, 2001 between Maker and Payee (the "LOAN
AGREEMENT"), and is entitled to all of the benefits of the Loan Agreement.

         The principal of and accrued interest on the Loan shall be repayable in
a lump sum on December 1, 2002, or on the next business day if December 1, 2002
falls on a day on which national banks are closed. Any overdue payment of
principal or interest on this Amended and Restated Promissory Note shall bear
interest at the Interest Rate plus 5 percentage points, until paid, but only to
the extent that payment of such interest on overdue principal or interest is
enforceable under applicable law.

         Maker may repay this Amended and Restated Promissory Note in whole or
in part at any time without penalty or premium. Each such prepayment shall be
applied first to unpaid interest accrued through the date of such prepayment,
and then to outstanding principal.

         If maker fails to pay within fifteen (15) days after the due date any
amount payable under this Amended and Restated Promissory Note, or if Maker is
otherwise in default under the Loan Agreement, then this Amended and Restated
Promissory Note shall be in default and Payee, at its option, without demand or
further notice of any kind, may declare this Amended and Restated Promissory
Note immediately due and payable, whereupon all outstanding principal and
accrued interest shall become immediately due and payable.

<Page>

         In case this Amended and Restated Promissory Note is collected by or
through an attorney-at-law in the event of a default hereunder, all costs of
collection, including reasonable attorney's fees, shall be paid by Maker.

         Time is of the essence.

         This Amended and Restated Promissory Note shall be governed by and
construed in accordance with the laws of the United States of America and the
State of Illinois. Maker irrevocably consents to the exclusive jurisdiction and
venue of the courts of any county in the State of Illinois and the United States
District Court for the Northern District of Illinois, in any judicial proceeding
brought to enforce this Amended and Restated Promissory Note. Maker agrees that
any forum other than the State of Illinois is an inconvenient forum and that a
lawsuit (or non-compulsory counterclaim) brought against Maker in a court of any
jurisdiction other than the State of Illinois should be forthwith dismissed or
transferred to a court located in the State of Illinois.

         This Note is a restatement of the indebtedness evidenced by, and is a
replacement of, that certain Promissory Note of the undersigned dated December
1, 1999 in the face principal amount of $2,102,418 payable to the order of
Payee, as amended and restated by that certain Amended and Restated Promissory
Note dated November 9, 2000, and nothing contained herein, in the Amendment No.
1 to the Loan Agreement or in the Amendment No. 2 to the Loan Agreement referred
to above shall be construed (i) to deem paid or forgiven the unpaid principal
amount of, or unpaid accrued interest on, said Promissory Note outstanding at
the time of its replacement by this Amended and Restated Promissory Note , or
(ii) to release, cancel, terminate or otherwise adversely affect all or any part
of any lien, mortgage, deed of trust, assignment, pledge, security interest or
other encumbrance heretofore granted to or for the benefit of the payee of said
Promissory Note which has not otherwise been expressly released.

         Words importing the singular number hereunder shall include the plural
number and vice versa, and any pronoun used herein shall be deemed to cover all
genders. Payee shall not be deemed to waive any of its rights unless such waiver
be in writing and signed by Payee. The word "Payee" as used herein shall include
transferees, successors, and assigns of Payee, and all rights of Payee hereunder
shall inure to the benefit of its transferees, successors and assigns. All
obligations of Maker shall bind his heirs, legal representatives and assigns.

         SIGNED, SEALED, AND DELIVERED by the undersigned as of the date first
written above.

                                                [EXHIBIT A - DO NOT SIGN]
                                                William M. Rychel
                                                980 Corporate Woods Parkway
                                                Vernon Hills, IL 60061

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}]]