Document:

<PAGE>
                                                                  EXHIBIT 10.4
===============================================================================

                             TROVER SOLUTIONS, INC.
                       (F/K/A HEALTHCARE RECOVERIES, INC.)
                                 AS THE BORROWER

                                       AND

                     THE FINANCIAL INSTITUTIONS NAMED HEREIN
                                   AS LENDERS

                                       AND

                         NATIONAL CITY BANK OF KENTUCKY
                             AS ADMINISTRATIVE AGENT

                                       AND

                            BANK ONE, KENTUCKY, N.A.
                              AS SYNDICATION AGENT

                              ---------------------

                                 AMENDMENT NO. 2
                                   DATED AS OF
                               FEBRUARY 21, 2003

                                       TO

                              AMENDED AND RESTATED
                                CREDIT AGREEMENT
                                   DATED AS OF
                                NOVEMBER 1, 2001

                              ---------------------

===============================================================================
<PAGE>

         AMENDMENT NO. 2 TO AMENDED AND RESTATED CREDIT AGREEMENT

         THIS AMENDMENT NO. 2 TO AMENDED AND RESTATED CREDIT AGREEMENT, dated as
of February 21, 2003 (this "AMENDMENT"), among the following:

                  (I)      TROVER SOLUTIONS, INC. (f/k/a Healthcare Recoveries,
         Inc.), a Delaware corporation (herein, together with its successors and
         assigns, the "BORROWER");

                  (II)     the financial institutions listed on the signature
         pages hereof (the "LENDERS");

                  (III)    NATIONAL CITY BANK OF KENTUCKY, a national banking
         association, as Administrative Agent (the "ADMINISTRATIVE AGENT") for
         the Lenders under the Credit Agreement; and

                  (IV)     BANK ONE, KENTUCKY, N.A., a national banking
         association, as Syndication Agent (the "SYNDICATION AGENT").
         PRELIMINARY STATEMENTS:

         (1)      The Borrower, the Lenders named therein, the Administrative
Agent and the Syndication Agent entered into the Amended and Restated Credit
Agreement, dated as of November 1, 2001, as amended by Amendment No. 1 thereto,
dated as of September 23, 2002 (as so amended, the "CREDIT AGREEMENT"; with the
terms defined therein, or the definitions of which are incorporated therein,
being used herein as so defined).

         (2)      The parties hereto desire to amend certain terms of the Credit
Agreement, all as more fully set forth below.

         NOW, THEREFORE, the parties hereby agree as follows:

         SECTION 1.        AMENDMENT.

         Effective on the Amendment Effective Date (as defined in section 3
hereof), section 9.6(ii) of the Credit Agreement is amended to read in its
entirety as follows:

                  (ii)     the Borrower and its Subsidiaries shall be permitted
         to purchase and/or repurchase for cash consideration shares of common
         stock of the Borrower (and any associated rights) subsequent to the
         Closing Date, PROVIDED that as of the date of any such purchase or
         repurchase, and after giving effect thereto, the Borrower's (i) ratio
         of (a) the amount of Consolidated Total Indebtedness to (b)
         Consolidated EBITDA is less than 1.00 to 1.00, and (ii) amount of
         Consolidated Total Indebtedness is less than $10,000,000 in the
         aggregate.
<PAGE>

         SECTION 2.        REPRESENTATIONS AND WARRANTIES.

                  The Borrower represents and warrants as follows:

                  2.1.     AUTHORIZATION, VALIDITY AND BINDING EFFECT. This
Amendment has been duly authorized by all necessary corporate action on the part
of the Borrower, has been duly executed and delivered by a duly authorized
officer or officers of the Borrower, and constitutes the valid and binding
agreement of the Borrower, enforceable against the Borrower in accordance with
its terms.

                  2.2.     REPRESENTATIONS AND WARRANTIES TRUE AND CORRECT. The
representations and warranties of the Borrower contained in the Credit
Agreement, as amended hereby, are true and correct on and as of the date hereof
as though made on and as of the date hereof, except to the extent that such
representations and warranties expressly relate to a specified date, in which
case such representations and warranties are hereby reaffirmed as true and
correct when made.

                  2.3.     NO EVENT OF DEFAULT, ETC. No condition or event has
occurred or exists which constitutes or which, after notice or lapse of time or
both, would constitute an Event of Default.

                  2.4.     COMPLIANCE. The Borrower is in full compliance with
all covenants and agreements contained in the Credit Agreement, as amended
hereby.

                  SECTION 3. EFFECTIVENESS.

                  This Amendment shall become effective as of February 21, 2003
(the "AMENDMENT EFFECTIVE DATE"), if the following conditions are satisfied:

                  (a)      this Amendment shall have been executed by the
         Borrower and the Administrative Agent, and counterparts hereof as so
         executed shall have been delivered to the Administrative Agent;

                  (b)      the Administrative Agent shall have been notified by
         the Required Lenders that such Lenders have executed this Amendment
         (which notification may be by facsimile or other written confirmation
         of such execution); and

                  (c)      the Borrower shall have paid to the Administrative
         Agent, in immediately available funds, for the account of each Lender
         executing a counterpart of this Amendment, by 5:00 P.M. on February
         ___, 2003, a non-refundable amendment fee computed at the rate of 5
         basis points on the amount of the Commitment of each such Lender (the
         Administrative Agent shall promptly pay over to each Lender its
         amendment fee).

         The Administrative Agent shall notify the Borrower and each Lender in
writing of the effectiveness hereof.
<PAGE>

                  SECTION 4. RATIFICATIONS.

         The terms and provisions set forth in this Amendment shall modify and
supersede all inconsistent terms and provisions set forth in the Credit
Agreement, and except as expressly modified and superseded by this Amendment,
the terms and provisions of the Credit Agreement are ratified and confirmed and
shall continue in full force and effect.

                  SECTION 5. MISCELLANEOUS.

                  5.1.     SUCCESSORS AND ASSIGNS. This Amendment shall be
binding upon and inure to the benefit of the Borrower, each Lender and the
Administrative Agent and their respective permitted successors and assigns.

                  5.2.     SURVIVAL OF REPRESENTATIONS AND WARRANTIES. All
representations and warranties made in this Amendment shall survive the
execution and delivery of this Amendment, and no investigation by the
Administrative Agent or any Lender or any subsequent Loan or issuance of a
Letter of Credit shall affect the representations and warranties or the right of
the Administrative Agent or any Lender to rely upon them.

                  5.3.     REFERENCE TO CREDIT AGREEMENT. The Credit Agreement
and any and all other agreements, instruments or documentation now or hereafter
executed and delivered pursuant to the terms of the Credit Agreement as amended
hereby, are hereby amended so that any reference therein to the Credit Agreement
shall mean a reference to the Credit Agreement as amended hereby.

                  5.4.     EXPENSES. As provided in the Credit Agreement, but
without limiting any terms or provisions thereof, the Borrower agrees to pay on
demand all costs and expenses incurred by the Administrative Agent in connection
with the preparation, negotiation, and execution of this Amendment, including
without limitation the costs and fees of the Administrative Agent's special
legal counsel, regardless of whether this Amendment becomes effective in
accordance with the terms hereof, and all costs and expenses incurred by the
Administrative Agent or any Lender in connection with the enforcement or
preservation of any rights under the Credit Agreement, as amended hereby.

                  5.5.     SEVERABILITY. Any term or provision of this Amendment
held by a court of competent jurisdiction to be invalid or unenforceable shall
not impair or invalidate the remainder of this Amendment and the effect thereof
shall be confined to the term or provision so held to be invalid or
unenforceable.

                  5.6.     APPLICABLE LAW. This Amendment shall be governed by
and construed in accordance with the laws of the Commonwealth of Kentucky.

                  5.7.     HEADINGS. The headings, captions and arrangements
used in this Amendment are for convenience only and shall not affect the
interpretation of this Amendment.

                  5.8.     ENTIRE AGREEMENT. This Amendment is specifically
limited to the matters expressly set forth herein. This Amendment and all other
instruments, agreements and documentation executed and delivered in connection
with this Amendment embody the final, entire agreement among the parties hereto
with respect to the subject matter hereof and supersede any and all prior
commitments, agreements, representations and understandings, whether written

<PAGE>

or oral, relating to the matters covered by this Amendment, and may not be
contradicted or varied by evidence of prior, contemporaneous or subsequent oral
agreements or discussions of the parties hereto. There are no oral agreements
among the parties hereto relating to the subject matter hereof or any other
subject matter relating to the Credit Agreement.

                  5.9.     COUNTERPARTS. This Amendment may be executed by the
parties hereto separately in one or more counterparts, each of which when so
executed shall be deemed to be an original, but all of which when taken together
shall constitute one and the same agreement.

                              [SIGNATURES FOLLOW.]

<PAGE>

         IN WITNESS WHEREOF, this Amendment has been duly executed and delivered
as of the date first above written.

                              TROVER SOLUTIONS, INC.

                              By: /s/ Douglas R. Sharps
                                 --------------------------------
                              Name: Douglas R. Sharps
                              Title: Executive VP & CFO

                              NATIONAL CITY BANK OF KENTUCKY,
                                individually as a Lender, a Letter of
                                Credit Issuer and as Administrative Agent

                              By:     /s/ Roderic M. Brown
                                 -------------------------------
                              Name: Roderic M. Brown
                              Title:   Senior Vice President

                              BANK ONE, KENTUCKY, N.A.,
                              individually as a Lender and as Syndication
                              Agent

                              By:  /s/ James D. Baker
                                 -------------------------------
                              Name: James D. Baker
                              Title: Vice President

                              FIFTH THIRD BANK, KENTUCKY, INC.

                              By:  /s/ Richard G. Whipple
                                  ------------------------------
                              Name:  Richard G. Whipple
                              Title: Assistant Vice President<PAGE>
                                                                 EXHIBIT (10)(a)

                        STOCK OPTION CONTRACT PURSUANT TO
                                       THE
                              GUILFORD MILLS, INC.
                  STOCK OPTION PLAN FOR NONEMPLOYEE DIRECTORS

         Pursuant to the Guilford Mills, Inc. Stock Option Plan for Nonemployee
Directors (the "Plan"), ____________, a director (the "Director") of Guilford
Mills, Inc. (the "Company"), is an Eligible Director within the meaning of the
Plan and, as such, is entitled to receive a non-qualified option to purchase
shares of Common Stock, par value $.01 per share ("Common Stock"), of the
Company on the terms and subject to the conditions set forth in the Plan and in
this Contract. Terms not defined in this Contract shall have the meanings
ascribed to them in the Plan.

         Therefore, the Company and Director hereby agree as follows:

1.       Grant of Option. The Company hereby grants to Director, as a matter of
separate inducement and not in lieu of any salary or other compensation for
Director's services, the right and option to purchase (the "Option"), in the
aggregate, ______________________ shares of Common Stock at an exercise price of
_____Dollars ($______) per share. The term of the Option shall be ten (10) years
from ______________________ (the "Date of Grant"), subject to earlier
termination as provided in the Plan. Subject to all other terms and conditions
in the Plan and this Contract, the Option shall be irrevocable. The Option is
not intended to be an incentive stock option within the meaning of Section 422
of the Internal Revenue Code of 1986, as amended.

2.       Exercise of Option.

         (a)      Subject to all other terms of the Plan and this Contract,
Director may exercise the Option at the rate of thirty-three and one-third
percent (33 1/3%) of the aggregate number of Shares initially subject to the
Option on each of the first, second and third anniversary of the Date of Grant.
The right to purchase Shares under the Option shall be cumulative, so that if
the Option is not exercised to the maximum extent permissible during any
exercise period, it shall be exercisable, in whole or in part, with respect to
all Shares not so purchased at any time prior to the expiration or termination
of the Option. Notwithstanding anything to the contrary contained herein, in no
event (i) may the Option be exercised in whole or in part after _______________,
or (ii) may a fraction of a Share be purchased under the Option.

3.       Payment of Option Price.

         (a)      Director shall exercise the Option by giving written notice,
in substantially the form attached hereto, to the Corporate Secretary of the
Company, at the Company's principal business office, 6001 West Market Street,
Greensboro, North Carolina 27409, specifying the number of whole Shares to be
purchased, the proposed form of payment and a business day not more than ten
(10) days from the date such notice is given for the
<PAGE>

payment of the purchase price against delivery of the Shares being purchased.
Payment of the purchase price for the Shares purchased may be made by (i)
delivery of a cashier's or certified check payable to the order of the Company,
(ii) delivery of previously acquired shares of Common Stock (in proper form for
transfer and accompanied by all requisite stock transfer tax stamps or cash in
lieu thereof) owned by such holder having a fair market value (determined in
accordance with the Plan) equal to the exercise price applicable to that portion
of the Option being exercised, (iii) the withholding of Shares for which the
Option is exercisable having a fair market value (determined in accordance with
the Plan) equal to the exercise price applicable to that portion of the Option
being exercised or (iv) a combination of the foregoing.

         (b)      The Option will be considered exercised on the earlier of (i)
the date that the Company receives full payment of the aggregate purchase price
for the Shares at the Company's principal business office, 6001 West Market
Street, Greensboro, North Carolina 27409, Attn: Corporate Secretary, (ii) if the
payment of the aggregate purchase price is sent to that office via independent
courier service, the date the courier service shows that it received it, or
(iii) if the payment of the aggregate purchase price is mailed to that office in
the United States mail in an envelope on which the United States Post Office has
stamped its postmark, the date of that postmark.

4.       Registration and Listing of Shares.

         (a)      Unless there is in effect at the time of exercise a
Registration Statement under the Securities Act of 1933, as amended (the
"Securities Act") and applicable state securities laws, with respect to the
Shares to be received upon the exercise of the Option, Director shall, upon the
exercise of the Option, execute and deliver to the Company a written statement,
in form satisfactory to the Committee, in which Director (i) represents and
warrants to the Company that the Shares to be issued upon the exercise of the
Option are being acquired by Director for his own account, for investment only
and not with a view to the resale or distribution thereof in violation of any
federal or state securities law and (ii) agrees that any subsequent resale or
distribution of any of such Shares shall be made only pursuant to either (X) an
effective registration statement covering such Shares under the Securities Act
and applicable state securities laws or (Y) specific exemptions from the
registration requirements of the Securities Act and any applicable state
securities laws, based on a written opinion of counsel, in form and substance
satisfactory to the Company, as to the application of any such exemptions.

         (b)      Director acknowledges that the Company may endorse a legend
upon the certificates evidencing the Shares as the Company, in its sole
discretion, determines to be necessary or appropriate to implement the
provisions of the Plan and this Contract.

         (c)      Notwithstanding anything herein to the contrary, if at any
time the listing, registration or qualification of the Shares subject to the
Option on any securities exchange or under any applicable law, or the consent or
approval of any governmental or regulatory body, is necessary as a condition of,
or in connection with, the granting of an option, or the issuing of Shares
thereunder, the Option may not be exercised in whole or in part unless such
listing, registration, qualification, consent or approval shall have been
effected or obtained.

                                       2
<PAGE>

5.       Adjustment of Shares;  Change in Control; Termination of Directorship.

         (a)      In the event of any change in the Shares subject to the Plan
or to the Option (through merger, consolidation, reorganization,
recapitalization, stock dividend, stock split, split-up, split-off, spin-off,
combination of shares, exchange of shares, or other like change in the capital
structure of the Company), an adjustment shall be made to the Option such that
the Option shall thereafter be exercisable for such securities, cash and/or
other property as would have been received in respect of the Shares subject to
the Option had the Option been exercised in full immediately prior to such
change, and such an adjustment shall be made successively each time any such
change shall occur. The term "Shares" after any such change shall refer to the
securities, cash and/or property then receivable upon exercise of an Option. In
addition, in the event of any such change, the Committee shall make any further
adjustment to the number of Shares and price per Share subject to the Option as
shall be equitable to prevent dilution or enlargement of rights under the
Option, and the determination of the Committee as to these matters shall be
binding and conclusive on Director.

         (b)      In the event of a Change in Control of the Company, any
unexercised portion of the Option shall immediately vest and become fully
exercisable.

         (c)      If Director's service as a director of the Company terminates,
the Option shall, to the extent not theretofore exercised, terminate and become
null and void, except as otherwise provided in the Plan.

6.       Non-transferability of Option. The Option is not transferable, whether
by operation of law or otherwise, other than by will or the laws of descent and
distribution.

7.       Notices. Any notice to be given under this Contract by Director shall
be sent by mail addressed to the Company at its principal business office, 6001
West Market Street, Greensboro, North Carolina 27409, Attn: Corporate Secretary,
and any notice by the Company to Director shall be sent by mail addressed to
Director at Director's address as reflected in the Company's records. Either
party may, by notice given to the other in accordance with the provisions of
this Section, change the address to which subsequent notices shall be sent.

8.       Governing Law. This Contract shall be governed by, and construed in
accordance with, the laws of the State of Delaware.

9.       Miscellaneous.

         (a)      Nothing in the Plan or in this Contract shall impose any
obligation on the Company to continue the service of Director as a director of
the Company nor impose any obligation on the Director to remain in the service
of the Company as a director.

         (b)      The Company and Director agree that they will both be subject
to and bound by all the terms and conditions of the Plan, which is incorporated
herein and made a part hereof. In the event of a conflict or inconsistency
between the terms of this Contract and the terms of the Plan, the terms of the
Plan shall govern.

                                       3
<PAGE>
         (c)      Director represents and agrees that he will comply with all
applicable laws relating to the Plan and the grant and exercise of the Option
and the disposition of the Shares acquired upon exercise of the Option,
including without limitation, federal and state securities laws.

         (d)      This Contract shall be binding upon and inure to the benefit
of any successor or assign of the Company and to any heir, distributee,
executrix, administrator or legal representative entitled by law to Director's
rights hereunder.

         (e)      The invalidity or illegality of any provision herein shall not
affect the validity of any other provision.

         (f)      Director agrees that the Company may amend the Plan and any
options granted to Director under the Plan, subject to the limitations contained
in the Plan.

         Guilford Mills, Inc. has caused this Contract to be executed in its
corporate name and Director has executed the same in evidence of Director's
acceptance hereof upon the terms and conditions herein as of the Date of Grant.

                                    GUILFORD MILLS, INC.

                                    By:
                                       ----------------------------------
                                    Name:
                                    Title:

--------------------------------
 Name of Eligible Director

                                       4

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}]]