Document:

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                                                                    Exhibit 10.2

                       Contents of Exhibits and Schedules
                                     to the
                     Alleghany Underwriting Credit Agreement

<TABLE>
<CAPTION>
Exhibits                                         Description
--------                                         -----------
<S>                          <C>
    A                        Letter of Credit Agreement
    B                        Transfer Supplement
    C                        Contents of Opinions of Counsel
    D                        Compliance Certificate
    E                        Existing Letters of Credit
    F                        Form of Letter of Credit Application
    G                        Account Party Accession Instrument
   H-1                       Alleghany Underwriting Capital Ltd Revolving Credit Note
   H-2                       Talbot Underwriting Limited Revolving Credit Note
   H-3                       Alleghany Underwriting Capital (Bermuda) Ltd. Revolving Credit Note
    I                        Certain Eligible Substitute Collateral

Schedules                                        Description
---------                                        -----------
 2.01(b)                     Form of Evergreen Provision
  4.03                       Approvals and Consents
  4.04                       Governmental Consents
  4.05                       Financial Statements
  4.06                       Material Adverse Change
  4.07                       Taxes
  4.13                       Environmental Laws
  4.16                       Capitalization
  4.17                       ERISA
  4.20                       Investment Company
  4.23                       Ownership of Properties
  4.24                       Indebtedness
  6.11                       Liens
</TABLE><PAGE>   1
                                                                     EXHIBIT 4.1

LINE OF CREDIT AGREEMENT

BANK ONE, MICHIGAN (the "Bank"), whose address is 611 Woodward Avenue, Detroit,
Michigan 48226-3947, has approved the credit facilities listed below
(collectively, the "Credit Facilities," and, individually, as designated below)
to American Medical Technologies, Inc. (the "Borrower"), whose address is 5555
Bear Lane, Corpus Christi, Texas 78401 subject to the terms and conditions set
forth in this agreement.

1.0      CREDIT FACILITIES.

         1.1  FACILITY A. The Bank has approved a credit facility to the
              Borrower in the principal sum not to exceed $7,500,000.00 in the
              aggregate at any one time outstanding ("Facility A"). Credit under
              Facility A shall be in the form of disbursements evidenced by
              credits to the Borrower's account and shall be repayable as set
              forth in a Revolving Business Credit Note executed concurrently
              (referred to in this agreement both singularly and together with
              any other promissory notes referenced in this Section 1 as the
              "Notes"). The proceeds of Facility A shall be used for the
              following purpose: working capital. Facility A shall expire
              September 30, 2002 unless earlier withdrawn.

              The Bank agrees to review Facility A on or before September 30 of
              each year to determine whether it desires to extend Facility A for
              an additional year. The performance of the review will not
              obligate the Bank to grant any extension. Such an extension will
              take place at the Bank's sole discretion and may be conditioned
              upon any changes in the terms of Facility A which the Bank may
              require at its sole discretion.

         1.2  FACILITY B (PURCHASE MONEY TERM LOANS AND/OR LEASES). The Bank has
              approved a credit facility to the Borrower in the principal sum
              not to exceed $250,000.00 in the aggregate at any one time
              outstanding ("Facility B"). Facility B shall be in the form of
              loans evidenced by the Borrower's notes on the Bank's form
              (referred to in this agreement both singularly and together with
              any other promissory notes referenced in this Section 1 as the
              "Notes") or lease agreements on the Bank's standard lease form
              (referred to in this agreement as the "Leases"), the proceeds of
              which shall be used to purchase the following equipment - such
              equipment as is required in the normal course of business.
              Interest on each loan shall accrue at a rate to be agreed upon by
              the Bank and the Borrower at the time the loan is made. Rent under
              any Lease shall be in an amount to be negotiated by the Borrower
              and the Bank prior to funding of the Lease. The maturity of each
              note or the term of any Lease shall not exceed 60 months from the
              note date or lease commencement date. Notwithstanding the
              aggregate amount of Facility B stated above, the original
              principal amount of each loan shall not exceed the lesser of 80%
              of the cost of the equipment purchased with loan proceeds or
              $250,000.00, and the amount funded under each Lease shall not
              exceed the cost of the equipment. Facility B shall expire on
              September 30, 2001 unless earlier withdrawn.

2.0      CONDITIONS PRECEDENT.

         2.1  CONDITIONS PRECEDENT TO INITIAL EXTENSION OF CREDIT. Before the
              first extension of credit under this agreement, whether by
              disbursement of a loan, issuance of a letter of credit, the
              funding of a Lease or otherwise, the Borrower shall deliver to the
              Bank, in form and substance satisfactory to the Bank:

              A.  LOAN DOCUMENTS. The Notes, and if applicable, the Leases, the
                  letter of credit applications, the security agreement,
                  financing statements, mortgage, guaranties, subordination
                  agreements and any other loan documents which the Bank may
                  reasonably require to give effect to the transactions
                  described by this agreement;

              B.  EVIDENCE OF DUE ORGANIZATION AND GOOD STANDING. Evidence
                  satisfactory to the Bank of the due organization and good
                  standing of the Borrower and every other business entity that
                  is a party to this agreement or any other loan document
                  required by this agreement;

              C.  EVIDENCE OF AUTHORITY TO ENTER INTO LOAN DOCUMENTS. Evidence
                  satisfactory to the Bank that (i) each party to this agreement
                  and any other loan document required by this agreement is
                  authorized to enter into the transactions described by this
                  agreement and the other loan documents, and (ii) the person
                  signing on behalf of each party is authorized to do so; and

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         2.2  CONDITIONS PRECEDENT TO EACH EXTENSION OF CREDIT. Before any
              extension of credit under this agreement, whether by disbursement
              of a loan, issuance of a letter of credit, the funding of a Lease
              or otherwise, the following conditions shall have been satisfied:

              A.  REPRESENTATIONS. The Representations contained in this
                  agreement shall be true on and as of the date of the extension
                  of credit;

              B.  NO EVENT OF DEFAULT. No event of default shall have occurred
                  and be continuing or would result from the extension of
                  credit;

              C.  ADDITIONAL APPROVALS, OPINIONS, AND DOCUMENTS. The Bank shall
                  have received such other approvals, opinions and documents as
                  it may reasonably request.

3.0      FEES AND EXPENSES.

         3.1  FEES. Upon execution of this agreement, or as set forth below, the
              Borrower shall pay the Bank the following fees, all of which the
              Borrower acknowledges have been earned by the Bank: none.

         3.2  NONUSAGE FEE. The Borrower shall pay the Bank a nonusage fee on
              the average daily unused portion of Facility A at a rate of 1/8%
              per annum, payable quarterly in arrears within 30 days of the end
              of the quarter for which the fee is owing.

         3.3  OUT-OF-POCKET EXPENSES. The Borrower shall reimburse the Bank for
              its out-of-pocket expenses, and reasonable attorney's fees
              (including the fees of in-house counsel) allocated to the Credit
              Facilities.

4.0      SECURITY.

         4.1  Payment of the borrowings and all other obligations under the
              Credit Facilities shall be secured by a first security interest
              and/or real estate mortgage, as the case may be, covering the
              following property and all its additions, substitutions,
              increments, proceeds and products, whether now owned or later
              acquired ("Collateral"):

              A.  ACCOUNTS RECEIVABLE. All of the Borrower's accounts, chattel
                  paper, general intangibles, instruments, and documents (as
                  those terms are defined in the Michigan Uniform Commercial
                  Code), rights to refunds of taxes paid at any time to any
                  governmental entity, and any letters of credit and drafts
                  under them given in support of the foregoing, wherever
                  located. The Borrower shall deliver to the Bank executed
                  security agreements and financing statements in form and
                  substance satisfactory to the Bank.

              B.  INVENTORY. All of the Borrower's inventory, wherever located.
                  The Borrower shall deliver to the Bank executed security
                  agreements and financing statements in form and substance
                  satisfactory to the Bank.

              C.  EQUIPMENT. All of the Borrower's equipment, wherever located.
                  The Borrower shall deliver to the Bank executed security
                  agreements and financing statements in form and substance
                  satisfactory to the Bank.

              D.  PATENTS, COPYRIGHTS, TRADEMARKS. All of the Borrower's present
                  and future patents, copyrights, and trademarks. The Borrowers
                  shall deliver to the Bank executed assignments, pledges and
                  financing statements satisfactory to the Bank.

         4.2  No forbearance or extension of time granted any subsequent owner
              of the Collateral shall release the Borrower from liability.

         4.3  ADDITIONAL COLLATERAL/SETOFF. To further secure payment of the
              borrowings and all other obligations under the Credit Facilities
              and all of the Borrower's other liabilities to the Bank, the
              Borrower grants to the Bank a continuing security interest in: (i)
              all securities and other property of the Borrower in the custody,
              possession or control of the Bank (other than property held by the
              Bank solely in a fiduciary capacity) and (ii) all balances of
              deposit accounts of the Borrower with the Bank. The Bank shall
              have the right at any time to apply its own debt or liability to
              the Borrower, or to any other party liable for payment of the
              obligations under the Credit Facilities, in whole or partial
              payment of such obligations or other present or future
              liabilities, without any requirement of mutual maturity.

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         4.4  CROSS LIEN. Any of the Borrower's other property in which the Bank
              has a security interest to secure payment of any other debt,
              whether absolute, contingent, direct or indirect, including the
              Borrower's guaranties of the debts of others, shall also secure
              payment of and be part of the Collateral for the Credit
              Facilities.

5.0      AFFIRMATIVE COVENANTS. So long as any debt or obligation remains
         outstanding under the Credit Facilities, the Borrower, and each of its
         subsidiaries, if any, shall:

         5.1  INSURANCE. Maintain insurance with financially sound and reputable
              insurers covering its properties and business against those
              casualties and contingencies and in the types and amounts as shall
              be in accordance with sound business and industry practices.

         5.2  EXISTENCE. Maintain its existence and business operations as
              presently in effect in accordance with all applicable laws and
              regulations, pay its debts and obligations when due under normal
              terms, and pay on or before their due date, all taxes,
              assessments, fees and other governmental monetary obligations,
              except as they may be contested in good faith if they have been
              properly reflected on its books and, at the Bank's request,
              adequate funds or security has been pledged to insure payment.

         5.3  FINANCIAL RECORDS. Maintain proper books and records of account,
              in accordance with generally accepted accounting principles where
              applicable, and consistent with financial statements previously
              submitted to the Bank. The Bank retains the right to inspect the
              Collateral and business records related to it at such times and at
              such intervals as the Bank may reasonably require.

         5.4  NOTICE. Give prompt notice to the Bank of the occurrence of (i)
              any Event of Default, and (ii) any other development, financial or
              otherwise, which would affect the Borrower's business, properties
              or affairs in a materially adverse manner.

         5.5  COLLATERAL AUDITS. Permit the Bank or its agents to perform
              periodic audits of the Collateral. The Borrower shall compensate
              the Bank for such audits in accordance with the Bank's schedule of
              fees as amended from time to time.

         5.6  MANAGEMENT. Maintain current management.

         5.7  FINANCIAL REPORTS. Furnish to the Bank whatever information,
              books, and records the Bank may reasonably request, including at a
              minimum: (If the Borrower has subsidiaries, all financial
              statements required will be provided on a consolidated and on a
              separate basis.)

              A.  Promptly upon (i) furnishing to the shareholders of the
                  Borrower, copies of all financial statements, reports and
                  proxy statements and (ii) filing with the Securities and
                  Exchange Commission, copies of all registration statements and
                  annual, quarterly, monthly or other regular reports, including
                  but not limited to, the Borrower's and any subsidiary's 10Qs
                  and 10Ks..

              B.  Within five (5) days after filing, a signed copy of the annual
                  tax return, with exhibits, of the Borrower.

6.0      NEGATIVE COVENANTS.

         6.1  DEFINITIONS. As used in this agreement, the following terms shall
              have the following respective meanings:

              A.  "Debt Service" means for any period, principal and interest
                  payments either paid or due during that period on all debt of
                  the Borrower.

              B.  "EBITDA" means for any period, net income plus to the extent
                  deducted in determining net income, interest expense
                  (including but not limited to imputed interest on capital
                  leases), tax expense, depreciation, and amortization.

              C.  "Subordinated Debt" means debt subordinated to the Bank in
                  manner and by agreement satisfactory to the Bank.

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              D.  "Tangible Net Worth" means total assets less intangible
                  assets, total liabilities, and all sums owing from
                  stockholders, members, or partners, as the case may be, and
                  from officers, managers, and directors. Intangible assets
                  include goodwill, patents, copyrights, mailing lists,
                  catalogs, trademarks, bond discount and underwriting expenses,
                  organization expenses, and all other intangibles.

         6.2  Unless otherwise noted, the financial requirements set forth in
              this section shall be computed in accordance with generally
              accepted accounting principles applied on a basis consistent with
              financial statements previously submitted by the Borrower to the
              Bank.

         6.3  Without the written consent of the Bank, so long as any debt or
              obligation remains outstanding under the Credit Facilities, the
              Borrower shall not: (where appropriate, covenants apply on a
              consolidated basis).

              A.  DIVIDENDS. Acquire or retire any of its shares of capital
                  stock, or declare or pay dividends or make any other
                  distributions upon any of its shares of capital stock or
                  percentage ownership interests, except dividends payable in
                  its capital stock and dividends payable to "Subchapter S"
                  corporation shareholders and distributions payable to LLC
                  members in amounts sufficient to pay the shareholders' or
                  members' income tax obligations related to the Borrower's
                  taxable income.

              B.  SALE OF SHARES. Issue, sell or otherwise dispose of any shares
                  of its capital stock or other securities, or rights, warrants
                  or options to purchase or acquire any such shares or
                  securities.

              C.  DEBT. Incur, or permit to remain outstanding, debt for
                  borrowed money or installment obligations, except debt
                  reflected in the latest financial statement of the Borrower
                  furnished to the Bank prior to execution of this agreement and
                  not to be paid with proceeds of borrowings or leases under the
                  Credit Facilities. For purposes of this covenant, the sale of
                  any accounts receivable shall be deemed the incurring of debt
                  for borrowed money.

              D.  GUARANTIES. Guarantee or otherwise become or remain
                  secondarily liable on the undertaking of another, except for
                  endorsement of drafts for deposit and collection in the
                  ordinary course of business.

              E.  LIENS. Create or permit to exist any lien on any of its
                  property, real or personal, except: existing liens known to
                  the Bank; liens to the Bank; liens incurred in the ordinary
                  course of business securing current nondelinquent liabilities
                  for taxes, worker's compensation, unemployment insurance,
                  social security and pension liabilities; and liens for taxes
                  being contested in good faith.

              F.  ADVANCES AND INVESTMENTS. Purchase or acquire any securities
                  of, or make any loans or advances to, or investments in, any
                  person, firm or corporation, except obligations of the United
                  States Government, open market commercial paper rated one of
                  the top two ratings by a rating agency of recognized standing,
                  or certificates of deposit in insured financial institutions.

              G.  USE OF PROCEEDS. Use, or permit any proceeds of the Credit
                  Facilities to be used, directly or indirectly, for the purpose
                  of "purchasing or carrying any margin stock" within the
                  meaning of Federal Reserve Board Regulation U. At the Bank's
                  request, the Borrower shall furnish to the Bank a completed
                  Federal Reserve Board Form U-1.

              H.  TANGIBLE NET WORTH PLUS SUBORDINATED DEBT. Permit its Tangible
                  Net Worth plus Subordinated Debt to be less than
                  $7,500,000.00.

              I.  LEVERAGE RATIO. Permit the ratio of its total liabilities to
                  its Tangible Net Worth [plus Subordinated Debt] to exceed 1.50
                  to 1.00.

              J.  CASH FLOW COVERAGE RATIO.
                   For the four quarter period ending on the last day of the
                   fiscal quarter immediately preceding the date of calculation,
                   permit the ratio of the Borrower's EBITDA to its Debt
                   Service, determined as of the end of each fiscal quarter, to
                   be less than 2.00 to 1.00.

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7.0      REPRESENTATIONS BY BORROWER. Each Borrower represents that: (a) the
         execution and delivery of this agreement, the Notes, and the Leases and
         the performance of the obligations they impose do not violate any law,
         conflict with any agreement by which the Borrower is bound, or require
         the consent or approval of any governmental authority or other third
         party; (b) this agreement, the Notes, and the Leases are valid and
         binding agreements, enforceable in accordance with their terms; and (c)
         all balance sheets, profit and loss statements, and other financial
         statements furnished to the Bank are accurate and fairly reflect the
         financial condition of the organizations and persons to which they
         apply on their effective dates, including contingent liabilities of
         every type, which financial condition has not changed materially and
         adversely since those dates. Each Borrower, if other than a natural
         person, further represents that: (a) it is duly organized, existing and
         in good standing under the laws of the jurisdiction under which it was
         organized; and (b) the execution and delivery of this agreement, the
         Notes, and the Leases and the performance of the obligations they
         impose (i) are within its powers; (ii) have been duly authorized by all
         necessary action of its governing body; and (iii) do not contravene the
         terms of its articles of incorporation or organization, its bylaws, or
         any partnership, operating or other agreement governing its affairs.

8.0      DEFAULT/ACCELERATION.

         8.1    EVENTS OF DEFAULT/ACCELERATION. If any of the following events
                occurs, the Credit Facilities shall terminate and all borrowings
                and other obligations under them shall be due immediately,
                without notice, at the Bank's option whether or not the Bank has
                made demand.

                A.  The Borrower or any guarantor of any of the Credit
                    Facilities, the Notes or the Leases ("Guarantor") fails to
                    pay when due any amount payable under the Credit Facilities
                    or under any agreement or instrument evidencing debt to any
                    creditor;
                B.  The Borrower or any Guarantor (a) fails to observe or
                    perform any other term of this agreement, the Notes, or the
                    Leases; (b) makes any materially incorrect or misleading
                    representation, warranty, or certificate to the Bank; (c)
                    makes any materially incorrect or misleading representation
                    in any financial statement or other information delivered to
                    the Bank; or (d) defaults under the terms of any agreement
                    or instrument relating to any debt for borrowed money (other
                    than borrowings under the Credit Facilities) such that the
                    creditor declares the debt due before its maturity;
                C.  There is a default under the terms of any loan agreement,
                    mortgage, security agreement or any other document executed
                    as part of the Credit Facilities, or any guaranty of the
                    obligations under the Credit Facilities becomes
                    unenforceable in whole or in part, or any Guarantor fails to
                    promptly perform under its guaranty;
                D.  A "reportable event" (as defined in the Employee Retirement
                    Income Security Act of 1974 as amended) occurs that would
                    permit the Pension Benefit Guaranty Corporation to terminate
                    any employee benefit plan of the Borrower or any affiliate
                    of the Borrower;
                E.  The Borrower or any Guarantor becomes insolvent or unable to
                    pay its debts as they become due;
                F.  The Borrower or any Guarantor (a) makes an assignment for
                    the benefit of creditors; (b) consents to the appointment of
                    a custodian, receiver or trustee for it or for a substantial
                    part of its assets; or (c) commences any proceeding under
                    any bankruptcy, reorganization, liquidation or similar laws
                    of any jurisdiction;
                G.  A custodian, receiver or trustee is appointed for the
                    Borrower or any Guarantor or for a substantial part of its
                    assets without its consent and is not removed within 60 days
                    after such appointment;
                H.  Proceedings are commenced against the Borrower or any
                    Guarantor under any bankruptcy, reorganization, liquidation,
                    or similar laws of any jurisdiction, and such proceedings
                    remain undismissed for 60 days after commencement; or the
                    Borrower or Guarantor consents to the commencement of such
                    proceedings;
                I.  Any judgment is entered against the Borrower or any
                    Guarantor, or any attachment, levy or garnishment is issued
                    against any property of the Borrower or any Guarantor;
                J.  The Borrower or any Guarantor dies;
                K.  The Borrower or any Guarantor, without the Bank's written
                    consent, (a) is dissolved, (b) merges or consolidates with
                    any third party, (c) leases, sells or otherwise conveys a
                    material part of its assets or business outside the ordinary
                    course of business, (d) leases, purchases, or otherwise
                    acquires a material part of the assets of any other
                    corporation or business entity, except in the ordinary
                    course of business, or (e) agrees to do any of the
                    foregoing, (notwithstanding the foregoing, any subsidiary
                    may merge or consolidate with any other subsidiary, or with
                    the Borrower, so long as the Borrower is the survivor);
                L.  There is a substantial change in the existing or prospective
                    financial condition of the Borrower or any Guarantor which
                    the Bank in good faith determines to be materially adverse;
                    or
                M.  The Bank in good faith shall deem itself insecure.

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<PAGE>   6
         8.2    REMEDIES. If the borrowings and all other obligations under the
                Credit Facilities are not paid at maturity, whether by
                acceleration or otherwise, the Bank shall have all of the rights
                and remedies provided by any law or agreement. Any requirement
                of reasonable notice shall be met if the Bank sends the notice
                to the Borrower at least seven (7) days prior to the date of
                sale, disposition or other event giving rise to the required
                notice. The Bank is authorized to cause all or any part of the
                Collateral to be transferred to or registered in its name or in
                the name of any other person, firm or corporation, with or
                without designation of the capacity of such nominee. The
                Borrower shall be liable for any deficiency remaining after
                disposition of any Collateral. The Borrower is liable to the
                Bank for all reasonable costs and expenses of every kind
                incurred in the making or collection of the Credit Facilities,
                including, without limitation, reasonable attorney's fees and
                court costs (whether attributable to the Bank's in-house or
                outside counsel). These costs and expenses shall include,
                without limitation, any costs or expenses incurred by the Bank
                in any bankruptcy, reorganization, insolvency or other similar
                proceeding.

9.0      MISCELLANEOUS.

         9.1    Notice from one party to another relating to this agreement
                shall be deemed effective if made in writing (including
                telecommunications) and delivered to the recipient's address,
                telex number or fax number set forth under its name below by any
                of the following means: (a) hand delivery, (b) registered or
                certified mail, postage prepaid, with return receipt requested,
                (c) first class or express mail, postage prepaid, (d) Federal
                Express or like overnight courier service or (e) fax, telex or
                other wire transmission with request for assurance of receipt in
                a manner typical with respect to communication of that type.
                Notice made in accordance with this section shall be deemed
                delivered upon receipt if delivered by hand or wire
                transmission, 3 business days after mailing if mailed by first
                class, registered or certified mail, or one business day after
                mailing or deposit with an overnight courier service if
                delivered by express mail or overnight courier.

         9.2    No delay on the part of the Bank in the exercise of any right or
                remedy shall operate as a waiver. No single or partial exercise
                by the Bank of any right or remedy shall preclude any other
                future exercise of it or the exercise of any other right or
                remedy. No waiver or indulgence by the Bank of any default shall
                be effective unless in writing and signed by the Bank, nor shall
                a waiver on one occasion be construed as a bar to or waiver of
                that right on any future occasion.

         9.3    This agreement, the Notes, the Leases and any related loan
                documents embody the entire agreement and understanding between
                the Borrower and the Bank and supersede all prior agreements and
                understandings relating to their subject matter. If any one or
                more of the obligations of the Borrower under this agreement,
                the Notes or the Leases shall be invalid, illegal or
                unenforceable in any jurisdiction, the validity, legality and
                enforceability of the remaining obligations of the Borrower
                shall not in any way be affected or impaired, and such
                invalidity, illegality or unenforceability in one jurisdiction
                shall not affect the validity, legality or enforceability of the
                obligations of the Borrower under this agreement, the Notes or
                the Leases in any other jurisdiction.

         9.4    The Borrower, if more than one, shall be jointly and severally
                liable.

         9.5    This agreement is delivered in the State of Michigan and
                governed by Michigan law. This agreement is binding on the
                Borrower and its successors, and shall inure to the benefit of
                the Bank, its successors and assigns.

         9.6    Section headings are for convenience of reference only and shall
                not affect the interpretation of this agreement.

10.0     INFORMATION SHARING. The Bank may provide, without any limitation
         whatsoever, any information or knowledge the Bank may have about the
         undersigned or any matter relating to this agreement and any related
         documents to BANK ONE CORPORATION, or any of its subsidiaries or
         affiliates or their successors, or to any one or more purchasers or
         potential purchasers of this agreement or any related documents, and
         the undersigned waives any right to privacy the undersigned may have
         with respect to such matters. The Borrower agrees that the Bank may at
         any time sell, assign or transfer one or more interests or
         participations in all or any part of its rights or obligations in this
         agreement to one or more purchasers whether or not related to the Bank.

14.0     CONTINUED VALIDITY. This agreement embodies the entire agreement and
         understanding between the Bank and the Borrower and supersedes, amends,
         replaces and restates all prior agreements and understandings relating
         to its subject matter, including but not limited to the terms and
         conditions of the Line of Credit Agreement dated September 30, 1999,
         between the Bank and the Borrower.

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<PAGE>   7

15.0     WAIVER OF JURY TRIAL. The Bank and the Borrower knowingly and
         voluntarily waive any right either of them have to a trial by jury in
         any proceeding (whether sounding in contract or tort) which is in any
         way connected with this or any related agreement, or the relationship
         established under them. This provision may only be modified in a
         written instrument executed by the Bank and the Borrower.

Executed by the parties on: September 21, 2000.

BANK ONE, MICHIGAN                      BORROWER
                                        American Medical Technologies, Inc.

By:    /s/ James L. Wolfington          By:  /s/ Ben J. Gallant
    --------------------------               -----------------------
         James L. Wolfington                     Ben J. Gallant

Its: Vice President                     Its: Chief Executive Officer
     --------------                         ------------------------
ADDRESS FOR NOTICES                     ADDRESS FOR NOTICES
125 South Main Street                   5555 Bear Lane
Ann Arbor, Michigan 48103               Corpus Christi, Texas 78401

Fax/Telex No. (734) 995-8000            Fax/Telex No. (361) 289-2681

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