Document:

Exhibit 10.2

                         AMENDMENT TO SECURITY AGREEMENT

Amendment to the Security Agreement dated March 20, 2001, by and between Stephen
Sternbach ("Secured Party") and Star Multi Care Services, Inc., Amserv
Healthcare of New Jersey, Inc., Amserv Healthcare of Ohio, Inc. and EFCC
Acquisition Corp. (collectively referred to herein as the "Debtors").

The Secured Party and the Debtors hereby agree to amend the Security Agreement
on the date hereof as set forth below:

1. The parties hereby acknowledge that the revised sum of One Hundred
Twenty-five Thousand Dollars ($125,000), pursuant to the Second Amendment to
Promissory Note dated May 17, 2002, by and between the Debtors and Secured
Party, is owed and payable to the Secured Party (said amount hereinafter
referred to as the "Debt");

2. The parties also acknowledge that additional loans and advances may be made
by the Secured Party to the Debtors and these additional loans and advances
shall be incorporated into the term Debt and shall be secured under this
Security Agreement.

3. The Secured Party and the Debtors hereby agree to amend the following legend
to the Security Agreement:

            THE OBLIGATIONS, RIGHTS, REMEDIES AND SECURITY INTERESTS EVIDENCED
            BY THIS SECURITY AGREEMENT ARE SUBORDINATED TO THE PRIOR PAYMENT IN
            FULL OF THE HHCF OBLIGATIONS (AS DEFINED IN THE SUBORDINATION
            AGREEMENT HEREINAFTER REFERRED TO) PURSUANT TO, AND TO THE EXTENT
            PROVIDED IN, THAT CERTAIN SUBORDINATION AGREEMENT DATED AS OF AUGUST
            31, 2001 AMONG STEPHEN STERNBACH, HELLER HEALTHCARE FINANCE, INC.
            AND THE BORROWERS NAMED THEREIN.

4. Section 1 of the Security Agreement is hereby amended by substituting the
words: "Heller Healthcare Finance, Inc." for "HFG Healthco-4 LLC" and shall be
so substituted throughout the Security Agreement.

4. All other terms and conditions shall remain unchanged.

<PAGE>

IN WITNESS WHEREOF, the Parties hereto have caused this Agreement to be executed
as of the 17th day of May, 2002.

STAR MULTI CARE SERVICES, INC.

By:___________________________

Dated: May 17, 2002

AMSERV HEALTHCARE OF NEW JERSEY, INC.

By:___________________________

Dated: May 17, 2002

AMSERV HEALTHCARE OF OHIO, INC.

By:___________________________

Dated: May 17, 2002

EFCC ACQUISITION CORP.

By:___________________________

Dated: May 17, 2002

STEPHEN STERNBACH

BY:___________________________

Dated: May 17, 2002Exhibit 10.3

                                 PROMISSORY NOTE

                                                    Huntington Station, New York
                                                                 August 26, 2002

$50,000

FOR VALUE RECEIVED, each of the undersigned, jointly and severally, ("Maker"),
hereby unconditionally promise to pay to the order of Mathew Solof (the
"Payee"), with offices at 2116 Merrick Avenue , Suite 3009, Merrick, New York
11566 or at such other place as the Payee or any holder hereof may from time to
time designate, the aggregate principal sum of Fifty Thousand ($50,000) Dollars
in lawful money of the United States and in immediately available funds, and
such additional amounts that may be advanced by the holder hereof as provided in
the instruments, if any, securing this Promissory Note and such advances will be
added to the principal sum of this Promissory Note and will accrue interest at
the specified rate of interest from the date of advance until paid in full
twelve (12) months from the date hereof. Unless otherwise provided, this Note
may be prepaid in full or in part at any time without penalty or premium

      Maker hereby further promises to pay interest to the order of Payee in
like money at said office or place on the unpaid principal balance hereof
computed at a rate of eight percent (8%) per annum at a rate, upon and after an
Event of Default (as hereinafter defined), of sixteen percent (16%) per annum.
Interest shall be calculated on the basis of a three hundred sixty (360) day
year and actual days elapsed. In no event shall the interest charged hereunder
exceed the maximum permitted under the laws of the State of New York.

In the event of (a) default in payment of any installment of principal or
interest hereof as the same becomes due and such default is not cured within ten
(10) days from the due date, or (b) default under the terms of any instrument
securing this Note, and such default is not cured within fifteen (15) days after
written notice to , then in either such event the holder may, without further
notice, declare the remainder of the principal sum, together with all interest
accrued thereon, and the prepayment premium, if any, at once due and payable (an
"Event of Default"). Failure to exercise this option shall not constitute a
waiver of the right to exercise the same at any other time.

      The provisions of this Note may not be changed, modified or terminated
orally, but only by an agreement in writing signed by the party to be charged,
nor shall any waiver be applicable except in the specific instance for which it
is given.

<PAGE>

      Maker hereby waives all rights to trial by jury in any action or
proceeding instituted by either Maker or Payee against the other arising on, out
of or by reason of this Note, any alleged tortious conduct by Maker or Payee or
in any way, directly or indirectly, arising out of or related to the
relationship between Maker and Payee. In no event will Payee be liable for lost
profits or other special or consequential damages.

      Upon default, the holder of this Note may employ an attorney to enforce
the holder's rights and remedies and the, principal, surety, guarantor and
endorsers of this Note hereby agree to pay to the holder reasonable attorney's
fees, plus all other reasonable expenses incurred by the holder in exercising
any of the holder's right and remedies upon default. The failure to exercise any
such right or remedy shall not be a waiver or release of such rights or remedies
or the right to exercise any of them at another time.

      Maker hereby waives all rights to interpose any claims, deductions,
setoffs or counterclaims of any kind, nature or description in any action or
proceeding instituted by Maker with respect to this Note or any matter arising
herefrom or relating hereto, except compulsory counterclaims.

      Maker hereby irrevocably submits and consents to the non-exclusive
jurisdiction of the State and Federal Courts located in the State of New York
with respect to any action or proceeding arising out of this Note or any matter
arising herefrom or relating hereto. Any such action or proceeding commenced by
Maker against Payee will be litigated only in a Federal Court or a State Court
located in New York City, New York and Maker waives any objection based on forum
non-conveniens and any objection to venue in connection therewith.

      Service of process or notice in connection with any proceedings may be
served (i) inside or outside the State in which the office of Payee indicated
above is located by registered or certified mail, return receipt requested,
addressed to the Maker and service or notice so served shall be deemed complete
five (5) days after the same shall have been posted, or (ii) in such manner as
may be permissible under the rules of said Courts.

      The execution and delivery of this Note has been authorized by the Board
of Directors of Maker. This Note shall be governed by and construed, and all
rights and obligations hereunder determined, in accordance with the internal
laws of the State of New York and shall be binding upon the successors and
assigns of the Maker and inure to the benefit of the Payee, its successors,
endorsees and assigns. If the undersigned are more than one, this Note shall be
binding jointly and severally upon the undersigned and their respective
successors and assigns and the term "Maker" shall mean, individually and
collectively, all the undersigned and any one or more of them and their
successors and assigns. If any term or provision of this Note shall be held
invalid, illegal or unenforceable, the validity of all other terms and
provisions hereof shall in no way be affected thereby.

<PAGE>

IN TESTIMONY WHEREOF, each corporate maker has caused this instrument to be
executed in its corporate name by a corporate officer, and its corporate seal to
be hereto affixed, all by order of its Board of Directors first duly given, the
day and year first written below:

STAR MULTI CARE SERVICES, INC.

By:_________________________                             Dated: August 26, 2002

AMSERV HEALTHCARE OF NEW JERSEY, INC.

By:_________________________                             Dated: August 26, 2002

AMSERV HEALTHCARE OF OHIO, INC.

By:_________________________                             Dated: August 26, 2002

EFCC ACQUISITION CORP.

By:_________________________                             Dated: August 26, 2002Exhibit 10.4

                               SECURITY AGREEMENT

THE OBLIGATIONS, RIGHTS, REMEDIES AND SECURITY INTERESTS EVIDENCED BY THIS
SECURITY AGREEMENT ARE SUBORDINATED TO THE PRIOR PAYMENT IN FULL OF THE HHCF
OBLIGATIONS (AS DEFINED IN THE SUBORDINATION AGREEMENT HEREINAFTER REFERRED TO)
PURSUANT TO, AND TO THE EXTENT PROVIDED IN, THAT CERTAIN SUBORDINATION AGREEMENT
DATED AS OF AUGUST 26, 2002 AMONG MATTHEW SOLOF, HELLER HEALTHCARE FINANCE, INC.
AND THE BORROWERS NAMED THEREIN.

      SECURITY AGREEMENT, dated August 26, 2002, by and between Matthew Solof
("Secured Party") and Star Multi Care Services, Inc., Amserv Healthcare of New
Jersey, Inc., Amserv Healthcare of Ohio, Inc. and EFCC Acquisition Corp.
(collectively referred to herein as the "Debtors").

                              W I T N E S S E T H:
                              --------------------

      WHEREAS, Debtors has borrowed money from the Secured Party in the original
sum of Fifty Thousand Dollars ($50,000), pursuant to the promissory note of even
date, by and between the Debtors and Secured Party (said amount hereinafter
referred to as the "Debt"); and NOW, THEREFORE, in consideration of the mutual
promises herein contained, the parties hereby agree as follows:

      1. Security Interest. To secure the payment of the Debt and all sums due
in connection therewith (such payments being hereinafter referred to
collectively as the "Obligations"), the Debtors hereby grants, conveys, assigns
and transfers to the Secured Party a security interest in and to all of the
Debtors' assets, including but not limited to all accounts receivable at any
time owned by or to which the Debtors are entitled (the "Collateral") subject
and subordinate only to that prior lien held by Heller Healthcare Financial,
Inc. The Debtors hereby authorize the Secured Party to file appropriate
financing statements as required under any applicable Uniform Commercial Code or
similar provisions of applicable U.S. Federal law in order to perfect and
maintain the security interest herein granted and, in any jurisdiction or with
any agency where such action is authorized by law, to effect such filings
without Debtors' signature affixed thereto. The parties also acknowledge that
additional loans and advances may be made by the Secured Party to the Debtors
and these additional loans and advances shall be incorporated into the term Debt
and shall be secured under this Security Agreement.

      2. Default.

            2.1 The term "Event of Default", as used herein, shall mean the
occurrence and continuation of any one or more of the following events:

                  (a) The failure of the Debtors promptly and faithfully to pay,
when due, any of the Obligations, such failure having continued for a period of
five (5) days after written notice thereof; or

                  (b) The commission by the Debtors, or the occurrence, of any
of the following acts:

                      (i) admitting in writing its inability to pay its debts
generally as they become due;

                      (ii) filing or acquiescing in the filing of a petition in
bankruptcy, or filing or acquiescing in the filing of a petition to take
advantage of any insolvency act;

                      (iii) making an assignment for the benefit of its
creditors;

                      (v) on a petition in bankruptcy filed against it, being
adjudicated a bankrupt;

                      (vi) filing a petition or answer seeking reorganization or
arrangement or other aid or relief under any bankruptcy or insolvency laws or
any other law for the relief of debtors; or
<PAGE>

                  (c) The entry by a court of competent jurisdiction of any
order, judgment or decree appointing, without the consent of the Debtors, as the
case may be, a receiver for the Debtors of for all or substantially all of its
property, or approving a petition filed against its seeking reorganization or
arrangement of the Debtors under any bankruptcy or insolvency laws or any law
for the relief of debtors, which order, judgment or decree shall not be vacated
or set aside or stayed within sixty (60) days from the date of entry thereof; or

                  (d) The assumption by any court of competent jurisdiction of
custody or control of the Debtors or of all or substantially all of its property
under the provisions of any law for the relief of debtors, which custody or
control shall not be terminated or stayed within sixty (60) days from the date
of assumption of such custody or control.

            2.2 Upon the occurrence of an Event of Default, the Secured Party
shall have, in addition to all the rights and remedies of a secured party under
the Uniform Commercial Code, the right to sell, dispose of or hold any or all of
the Collateral as the Secured Party in its sole discretion shall decide. The
Secured Party shall give the Debtors and the prior lienor reasonable notice of
the time and place of any public or private sale or other intended disposition
of all or any portion of the Collateral. The Debtors agree that the requirements
of reasonable notice shall be met if notice is mailed by certified or registered
mail, return receipt requested, to the Debtors at its address set forth below,
written not less than ten (10) business days prior to the sale or other
disposition. Expenses of retaking, holding, preparing for sale, selling or the
like shall be paid by the Debtors. Subject to the provisions of Section 2.3
hereof, Secured Party's rights and remedies, whether pursuant hereto or pursuant
to the Uniform Commercial Code or any other statute or rule of law conferring
rights similar to those conferred by the Uniform Commercial Code, shall be
cumulative and not alternative.

            2.3 The Secured Party, by act, delay, omission or otherwise, shall
not be deemed to have waived any rights or remedies, or both, hereunder unless
such waiver is in writing signed by either Secured Party and only to the extent
therein set forth. A waiver by the Secured Party of any right or remedy, or
both, on any one occasion shall not be construed as a bar to or waiver of any
such right or remedy, or both, to which the Secured Party would otherwise be
entitled on any future occasion.

            3. Notices. Except as otherwise provided herein, notices or other
communications to either party hereunder shall be in writing and shall be
conclusively deemed to have been duly and properly given on the date such
notices or other communications are received, if delivered personally, or the
date of postmark, if mailed by registered or certified mail, return receipt
requested, postage prepaid and addressed as follows:

If to Secured Party:       Matthew Solof
                           2116 Merrick Avenue
                           Suite 3009, Merrick
                           New York 11566

If to the Debtors:         Star Multi Care Services, Inc.
                           33 Walt Whitman Road
                           Huntington Station, NY 11746

If to the prior lienor:    Heller Healthcare Finance, Inc.
                           2 Wisconsin Circle, Fourth Floor
                           Chevy Chase, Maryland 20815
                           Attention:  Pascale Bissainthe, Chief Counsel
                           Telephone:  (301) 961-1640
                           Telecopier: (301) 664-9866

            4. Termination of Agreement. The security interest created hereunder
shall terminate only when the Debtor have been fully satisfied the Obligations,
whether at maturity, by prepayment, or otherwise. At such time, the Secured
Party shall execute and deliver all such instruments and documents as the
Debtors shall reasonably request in confirmation of such termination.
<PAGE>

        5. Applicable Law and Jurisdiction. This Agreement shall be governed by
and interpreted under the laws of the State of New York without giving effect to
its principles of conflict of laws. Except in respect of an action commenced by
a third party in another jurisdiction, or any action which is required by nature
of the relief demanded to be maintained in the jurisdiction in which the
Collateral is located, Debtor and the Secured Party agree that any legal suit,
action or proceeding arising out of or relating to this Security Agreement must
be instituted in the appropriate State or Federal court in the State of New
York, and they hereby irrevocably submit to the jurisdiction of any such court.

         6. Miscellaneous.

                  6.1 Successors. This Security Agreement shall insure to the
benefit of and shall be binding upon the respective successors, assigns and
legal representatives of the parties hereto.

                  6.2 Severability. No provision of this Agreement which may be
deemed unenforceable shall in any way invalidate any other provision hereof all
of which shall remain in full force and effect.

                  6.3 Captions. The captions used herein are inserted for
reference purposes only and shall not affect the interpretation or meaning of
this Security Agreement.

                  6.4 Counterparts. This Security Agreement may be executed in
one or more counterparts, each of which shall be deemed an original, but all of
which together shall constitute one and the same agreement.

                  6.5 Financing Statements. The Debtors shall, at the request of
Secured Party from time to time, execute for the benefit of Secured Party,
financing statements (or similar instruments) or extensions thereof in such form
as may be necessary to perfect or maintain and continue perfection of the
security interest in the Collateral in any or all pertinent jurisdictions,
provided the form and scope of such financing statements is reasonably
satisfactory to Debtor.

<PAGE>

IN WITNESS WHEREOF, the Parties hereto have caused this Agreement to be executed
as of the 26th day of August 2002.

STAR MULTI CARE SERVICES, INC.

By:___________________________

Dated: August 26, 2002

AMSERV HEALTHCARE OF NEW JERSEY, INC.

By:___________________________

Dated: August 26, 2002

AMSERV HEALTHCARE OF OHIO, INC.

By:___________________________

Dated: August 26, 2002

EFCC ACQUISITION CORP.

By:___________________________

Dated: August 26, 2002

MATTHEW SOLOF

BY:___________________________

Dated: August 26, 2002

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