Document:

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Exhibit 4.2

            MINUTEMAN INTERNATIONAL, INC. 2000 RESTRICTED STOCK PLAN

                        Restricted Stock Award Agreement

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Participant

Pursuant to the provisions of the Minuteman International, Inc. 2000 Restricted
Stock Plan (the "Plan"), you were granted an Award (as that term is defined in
the Plan) of ________ shares of Common Stock (as that term is defined in the
Plan) of Minuteman International, Inc. (the "Restricted Shares"), on
_________________, ______ (the "Award Date") by Minuteman International, Inc.
(the "Company"). The restricted period applicable to the Award begins on the
Award Date and ends upon your retirement or at a time of any approved
termination (the "Restricted Period"). During the Restricted Period, and until
all conditions imposed on the shares are satisfied, the Award of shares are
restricted in that they will be held by the Company and may not be sold,
transferred, pledged or otherwise encumbered, tendered or exchanged, or disposed
of, by you unless otherwise provided by the Plan. However, you will be entitled
to receive, subject to withholding for taxes, dividends (which for tax purposes
will generally be treated as ordinary compensation) payable on the Restricted
Shares, which the Company may require to be reinvested in additional shares of
common stock subject to the same restrictions as the shares on which such
dividends are paid. You may vote the Award of shares for as long during the
Restricted Period as you are continuously employed by the Company. If you remain
employed by the Company throughout the Restricted Period and all conditions are
satisfied, or if your employment terminates before the expiration of the
Restricted Period as a result of your retirement, death or total disability, the
restrictions will lapse, and the Award of shares will be delivered to you (or
your beneficiary), subject to withholding for taxes. Generally, if your
employment terminates for any other reason before the expiration of the
Restricted Period, you will forfeit the Award of shares unless the Committee (as
that term is defined in the Plan) determines otherwise. You agree that the term
"Restricted Shares" shall include any shares or other securities which you may
receive or be entitled to receive as a result of the ownership of the original
Restricted Shares, whether they are issued as a result of a share split, share
dividend, recapitalization, or other subdivision or consolidation of shares
effected without receipt of consideration by the Company or the result of the
merger or consolidation of the Company, or sale of assets of the Company.

You will generally be taxed on the value of the Award of shares on the date the
restrictions lapse. However, as an alternative, you may elect under Internal
Revenue Code Section 83(b) to be taxed on the value of the Award of shares on
the Award Date, identified above. Whether it is beneficial for you to make this
election should be determined after consultation with your personal tax advisor.
If you make this election, the value of the Award of shares will be taxable to
you in the year of the Award Date, rather than in the year that the restrictions
lapse. If you choose to make this election, you must so notify the Company in
writing, file the election with the Internal Revenue Service within thirty (30)
days after the Award Date, and promptly pay the Company the amount it determines
is needed to satisfy tax withholding requirements. You hereby agree that the
Restricted Shares shall be held by the Company during the Restricted Period.

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The Company shall have the right to deduct from any Award under the Plan, shares
or cash sufficient to satisfy any withholdings required by law, as provided in
the Plan.

As a condition of this Award, you are required to execute the acknowledgment at
the bottom of the enclosed copy of this Award notice and return the acknowledged
copy of this Award notice to the Company not later than thirty (30) days from
the Award Date. Also enclosed is a form by which you may designate a beneficiary
in the event of your death. This Award is subject to all of the definitions,
terms and conditions of the Plan, a copy of which is enclosed. In the event of
any discrepancy between the provisions of the Plan and this or any other
communication regarding the Plan, the provisions of the Plan control.

ATTEST:                                     MINUTEMAN INTERNATIONAL, INC.

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ACCEPTED:

--------------------------------------      Date:
Participant                                       ------------------------------

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Social Security Number or National ID

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Address

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City/State/ Zip/Country<PAGE>   1

                                                                   EXHIBIT 10(a)

         The CIT Group/
         Business Credit, Inc.
         1200 Ashwood Parkway
         Suite 150
         Atlanta, GA 30338
         770 522-7672

[THE CIT GROUP LOGO]

                                 March 10, 2000

     MOORE-HANDLEY, INC.
     3140 Pelham Parkway
     Pelham, AL 35124

     Gentlemen:

     Reference is made to the Financing Agreement between us dated August 7,
     1997, as supplemented and amended (the "Financing Agreement"). Capitalized
     terms used and not otherwise defined herein shall have the same meanings
     given them in the Financing Agreement.

     You have requested that we (i) increase the Line of Credit to
     $24,000,000.00, (ii) establish a sub-line within the Line of Credit for
     advances against Eligible Inventory (as further set forth in the Inventory
     Security Agreement of even date herewith) and (iii) extend the term of the
     Financing Agreement to August 7, 2002, and we have agreed to such amendment
     subject to, and in accordance with the terms, provisions and conditions
     hereof:

     Effective immediately, pursuant to mutual agreement, the Financing
     Agreement shall be, and hereby is, amended as follows:

     1.   The definitions of "Early Termination Date" and "Early Termination
          Fee" (as set forth in Section 1 of the Financing Agreement) shall be,
          and each hereby is amended by changing the references therein to
          "third Anniversary Date" to "fifth Anniversary Date";

     2.   The definition of "Line of Credit" (as set forth in Section 1 of the
          Financing Agreement) shall be, and hereby is amended by increasing the
          $20,000,000.00 amount as set forth therein to $24,000,000.00; and

     3.   Section 11 of the Financing Agreement shall be, and hereby is amended
          by changing all references "third Anniversary Date" in the first and
          fourth sentences thereof to read "fifth Anniversary Date".

     In addition, we will make advances against Eligible Inventory to you within
     the Line of Credit subject to and in accordance with the terms, provisions,
     conditions and limitations set forth in the Inventory Security Agreement.

     This Amendment shall be effective as of the date hereof upon the
     satisfaction of the following conditions precedent:
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     1.   receipt by CITBC of (i) a manually signed original copy of this
          Amendment, Inventory Security Agreement and all other related
          documents thereto duly executed and delivered by all parties hereto,
          and (ii) the execution and delivery to CITBC of any other
          documentation reasonably requested by CITBC (all of which shall be
          acceptable to CITBC in its discretion);

     2.   The absence of (x) any Default and/or Event of Default and (y) any
          material adverse change in the financial condition, business,
          prospects, profitability, assets or operations of the Company;

     3.   CITBC's receipt of a secretary's certificate certifying Board of
          Directors Resolutions authorizing the execution, delivery and
          performance by the Company of this agreement and all documents and
          transactions contemplated hereby; and

     4.   Payment by the Company of (i) any Out-of-Pocket Expenses incurred by
          CITBC with respect to the preparation, execution, filing of any
          financing statements and delivery of this Amendment, and (ii) in
          consideration of the preparation by CITBC's in house legal department
          of this Amendment, a Documentation Fee equal to $1,000.00. All such
          amounts may, at CITBC's option, be charged to Revolving Loan Account
          under the Financing Agreement.

Except as set forth above no other changes in the terms and provisions of the
Financing Agreement are intended or implied. If the foregoing is in accordance
with your understanding of our agreement kindly so indicate by signing and
returning to us the enclosed copy of the letter.

                                        Very truly yours,

                                        THE CIT GROUP/BUSINESS CREDIT, INC.

                                        By: /s/ Robert Bernier
                                           --------------------------------
                                        Name: Robert Bernier
                                        Title: Vice President

Read and Agreed to:

MOORE-HANDLEY, INC.

By: /s/ Michael J. Gaines
   --------------------------
   Name: Michael J. Gaines
   Title: President/COO<PAGE>   1
                                                                    Exhibit 4.24

                                February 29, 2000

Vision TwentyOne, Inc.
7360 Bryan Dairy Road, Suite 200
Largo, FL 33777

Attention:        Theodore Gillette, Chief Executive Officer

Gentlemen:

         We refer to the Amended and Restated Credit Agreement dated as of July
1, 1998, as amended, between you and us (the "Credit Agreement"). All
capitalized terms used herein without definition shall have the same meaning
herein as such terms are defined in the Credit Agreement.

         The Borrower has advised the Banks that the Borrower has entered into
an Agreement and Plan of Merger and Reorganization, dated as of February 10,
2000 (the "Merger Agreement"), among the Borrower, Opticare Health Systems, Inc.
(the "Parent"), and OC Acquisition Corp., a whollyowned subsidiary of the Parent
("Merger Sub"), pursuant to which the parties intend to merge Merger Sub with
and into the Borrower subject to the terms and conditions thereof which include,
among other things, restructuring the Obligations owing to the Banks on terms
and conditions mutually agreed upon by the Borrower and the Banks. While the
Borrower and the Banks have initiated discussions and due diligence concerning
the Merger and any proposed restructuring of the Obligations, the Borrower
acknowledges that the Banks have not consented to the Merger nor have the Banks
agreed to any terms and conditions relating to any restructuring of the
Obligations. In the meantime, however, the Borrower intends to continue to sell
a substantial number of the physician practice management groups operated by the
Borrower and its Subsidiaries (collectively being referred to herein as the "PPM
Businesses") and use a portion of the proceeds from the sale of the PPM
Businesses to meet its reasonable and necessary operating expenses.

         To afford the Borrower an opportunity to proceed with the transactions
described above, the Borrower has requested that the Banks extend the temporary
waiver period provided for in Sections 2.1 and 2.2 of that certain Seventh
Amendment and Waiver to Credit Agreement dated as of December 10, 1999 among the
Borrower, the Banks, and the Agent (the "Seventh Amendment") (as further
amended, in part, by a December 30, 1999 letter agreement between the Borrower,
the Banks and the Agent) from February 29, 2000, to the earlier of March 24,
2000, or the termination of the Merger Agreement pursuant to its terms (the
earlier of such dates being referred to herein as the "Waiver Termination Date")
and postpone the due date for the payment of principal and interest otherwise
due on February 29, 2000, and of interest otherwise due on February 29, 2000, to
the Waiver Termination Date. By signing below, the Banks hereby agree

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Vision Twenty-One, Inc.
February 29, 2000
Page 2

to extend the waiver period provided in Sections 2.1 and 2.2 of the Seventh
Amendment from February 29, 2000, to the Waiver Termination Date, and agree to
postpone the due date for the payment of principal and interest otherwise due on
February 29, 2000, and of interest otherwise due on February 29, 2000, to the
Waiver Termination Date, provided that:

                   (a) the Borrower agrees to promptly provide to the Banks
         copies of any instruments and documents entered into or proposed to be
         entered into in connection with the Merger (including, without
         limitation, any executed shareholder lock-up agreements) and to
         promptly advise the Banks of any termination, amendment, or waiver of
         the Merger Agreement or of any material breach thereof by any party
         thereto, in each case subject to its directors' fiduciary duties;

                   (b) until the Obligations are paid in full, the Borrower
         shall provide to the Banks a weekly Budget pursuant to Section 1.14(f)
         of the Credit Agreement and such Budget shall be subject to the
         Approved Budget and reconciliation procedures set forth therein,
         regardless of whether or not then being accompanied by a request for a
         Borrowing of Bridge Loans;

                   (c) at all times on and after the date hereof (i) all
         proceeds from the sale of any assets of the Borrower and its
         Subsidiaries (including, without limitation, proceeds from the sale of
         the PPM Businesses or any part thereof), and (ii) cash receipts arising
         from the operation of the business of the Borrower and its Subsidiaries
         not applied pursuant to an Approved Budget, shall in each case be
         remitted promptly upon receipt to the Agent; and

                   (d) except to the extent applied to payments pursuant to an
         Approved Budget or applied to the Obligations owing to the Banks,
         proceeds received pursuant to clause (c) above shall be held by the
         Agent as collateral for the remaining Obligations owing to the Banks
         (the Agent hereby being granted a Lien on and right of set-off for the
         benefit of the Banks against all such amounts so held).

The Borrower hereby acknowledges and agrees to the foregoing conditions. The
Borrower also hereby acknowledges and agrees that (i) the consummation of the
Merger and of any restructuring of the terms and conditions relating to the
Obligations shall in each case be subject to the Banks' consent, which may be
given or withheld in their discretion and (ii) any sale of the Borrower's or its
Subsidiaries' assets or businesses shall be subject to the prior written consent
of the Banks, and all proceeds from any such sale represent proceeds of the
Banks' Collateral, to be held by the Agent or applied to the Obligations
pursuant to the terms of the Credit Agreement as modified hereby.

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Vision Twenty-One, Inc.
February 29, 2000
Page 3

         Except as specifically modified hereby, all of the terms and conditions
of the Credit Agreement and the other Loan Documents shall stand and remain
unchanged and in full force and effect. This waiver shall become effective upon
the execution and delivery hereof by each of the Banks and the Borrower as set
forth below. This waiver may be executed in counterparts and by different
parties on separate counterpart signature pages, each of which shall be an
original and all of which taken together shall constitute one and the same
instrument. This waiver shall be governed by, and construed in accordance with,
the laws of the State of Illinois.

                           [SIGNATURE PAGES TO FOLLOW]

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Vision Twenty-One, Inc.
February 29, 2000
Page 4

         This waiver letter is entered into by and among the parties hereto as
of the date first above written.

BANK OF MONTREAL, in its individual          BANK ONE TEXAS, N.A.
capacity as a Bank and as Agent
                                             By: /s/ Ronnie Kaplan
By: /s/ Jack J. Kane                             Name:  Ronnie Kaplan
    Name:  Jack J. Kane                          Title: Vice President
    Title: Director

PACIFICA PARTNERS I, L.P.                    PILGRIM PRIME RATE TRUST

By: Imperial Credit Asset Management, as     By: Pilgrim Investments, Inc.,
    its Investment Manager                       as its Investment Manager

By: /s/ Dean K. Kawai                        By: /s/ Charles E. LeMieux
    Name:  Dean K. Kawai                         Name:  Charles E. LeMieux CFA
    Title: Vice President                        Title: Assistant Vice President

PILGRIM AMERICA HIGH INCOME                  MERRILL LYNCH BUSINESS FINANCIAL
INVESTMENTS LTD.                             SERVICES, INC.

By: Pilgrim Investments, Inc., as its        By: /s/ Gary L. Stewart
    Investment Manager                           Name:  Gary L. Stewart
                                                 Title: Vice President
By: /s/ Charles E. LeMieux
    Name:  Charles E. LeMieux, CFA
    Title: Assistant Vice President

         Acknowledged and agreed to as of the date first above written.

                                             VISION TWENTY-ONE, INC.

                                             By: /s/ Theodore N. Gillette
                                                 Name:  Theodore N. Gillette
                                                 Title: CEO

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