Document:

<PAGE>

                                                                   EXHIBIT 10.21

================================================================================
                                               INVESTMENT NUMBERS 8354 and 10458

                                Second Amendment
                                       TO
                              AMENDED AND RESTATED
                              INVESTMENT AGREEMENT

                                      among

                                MSF HOLDING LTD.,

                          MEDICAL SYSTEMS FINANCE S.A.,

                                  ESTOLUR S.A,

                        HEALTHCARE SYSTEMS FINANCE S.A.,

                             MSF/HSF ARGENTINA S.A.,

                                       and

                        INTERNATIONAL FINANCE CORPORATION

                              Dated August 18, 2000

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

                               SECOND AMENDMENT TO
                              AMENDED AND RESTATED
                              INVESTMENT AGREEMENT

     AGREEMENT, dated August 18, 2000, among MSF HOLDING LTD., a company
organized and existing under the laws of the Commonwealth of the Bahamas ("MSF
Holding"), MEDICAL SYSTEMS FINANCE S.A. ("MSF"), ESTOLUR S.A. ("Estolur"),
HEALTHCARE SYSTEMS FINANCE S.A. ("HSF"), each of them a sociedad anonima,
                                                        -------- -------
organized and existing under the laws of Uruguay, and MSF/HSF ARGENTINA S.A., a
sociedad anonima organized and existing under the laws of Argentina, formerly
-------- -------
known as Sistemas Financieros S.A. and as MSF Argentina S.A. ("MSF Argentina"),
and INTERNATIONAL FINANCE CORPORATION, an international organization established
by Articles of Agreement among its member countries ("IFC").

     WHEREAS:

     (A) Pursuant to an Amended and Restated Investment Agreement dated April
27, 1998, as amended and restated as of September 29, 1998 and as further
amended on February 25, 1999 (as amended from time to time, the "Investment
Agreement") among the parties hereto, IFC has made a loan to the Co-Borrowers
(as such term and other terms used herein are defined in Section 1) in the
aggregate principal amount of up to forty million Dollars ($40,000,000).

     (B) Pursuant to the Security Agreements, the Co-Borrowers have granted to
IFC and FMO security interests in receivables arising under leases and loans
made by them and, pursuant to the Investment Agreement, each of the Co-Borrowers
has agreed to maintain a Loan to Collateral Value Ratio of no more than ninety-
five per cent (95%).

     (C) The Co-Borrowers intend to enter into a transaction for the
securitization of its Dollar denominated contracts originated in Brazil and may
enter into other securitization transactions in the future.

     (D) The securitization transaction for Dollar denominated receivables
originated in Brazil will involve, and such other securitization transactions
may involve, the transfer to a special purpose entity of receivables in which
IFC and FMO have security interests and the release of such receivables from the
Liens created under the Security Agreements.

     (E) IFC is willing to permit such release in connection with Permitted
Securitization Transactions, provided that prior to such release, the Co-
Borrowers grant to IFC and FMO a first priority security interest in cash or
cash equivalents
<PAGE>

                                       2

and other eligible receivables in an amount equivalent to the value of the
receivables released from the Liens created under the Security Agreements, and
the Co-Borrowers are willing to provide such collateral.

     (F) IFC and the Co-Borrowers have agreed to amend the Investment Agreement
to allow for Permitted Securitization Transactions.

     (G) IFC and the Co-Borrowers have agreed to amend the Investment Agreement
to provide for the increase in the amount of the B Loan by fifteen million
Dollars ($15,000,000).

     NOW, THEREFORE, the parties agree as follows:

     Section 1.  Definitions. All capitalized terms used in this Agreement
(including the preamble and recitals) and not otherwise defined herein, unless
the context otherwise requires, have the respective meanings given to such terms
in the Investment Agreement.

     Section 2.  Amendments to the Investment Agreement.

     (a)  Section 1.01 of the Investment Agreement is amended by:

          (i)   deleting the definition of the term "Borrowing Base Report" and
                replacing it with the following:

          "Borrowing Base Report" the monthly report, in form and substance
           acceptable to IFC, provided by the Co-Borrowers which shall include
           details as set forth in the Security Agreements regarding the
           Eligible Leases/Loans, the Eligible Lessees/Borrowers and the IFC/FMO
           Security and which sets forth the Loan to Collateral Value Ratio as
           at the date of such report and the calculation thereof and which
           shall specify any changes since the last such report in the Eligible
           Leases/Loans comprising the IFC/FMO Security, and, as to any new
           Eligible Leases/Loans comprising the IFC/FMO Security, shall specify
           the parties thereto and the amount and term thereof;
<PAGE>

                                       3

          (ii)  deleting the definition of the term "Security Agreements" and
                replacing it with the following:

          "Security Agreements" the agreements evidencing security interests in
           receivables under Eligible Leases/Loans, Cash Collateral, and
           equipment, granted by the Co-Borrowers to IFC and FMO, with an
           aggregate value satisfactory to IFC or having a value of at least
           1.05 times the sum of the outstanding amount of the Loan and the FMO
           Loan, including, without limitation (i) each of the two Open Pledge
           Agreements dated as of October 2, 1998 among MSF Holding, MSF,
           Estolur, HSF, IFC and FMO, as amended from time to time; (ii) the
           Security Agreement dated as of September 29, 1998 among MSF Holding,
           MSF, Estolur, HSF, IFC and FMO, as amended from time to time; (iii)
           the Fiduciary Assignment Agreement dated as of February 9, 1999 among
           MSF Holding, MSF, Estolur, HSF, MSF Argentina, IFC, FMO and
           BankBoston N.A., as amended from time to time; and (iv) the Trustee
           Account and Security Agreement;

          (iii) inserting in such section in alphabetical order the following
                additional definitions:

          "Cash Collateral" the Collateral Account and all Permitted Investments
           and other property held in the Collateral Account;

          "Closing Date" in connection with any Permitted Securitization
           Transaction, the date of the documents pursuant to which the relevant
           securities are to be issued;

          "Collateral Account" the Collateral Account (as defined in the Trustee
           Account and Security Agreement);
<PAGE>

                                       4

          "Collateral Agent" the Collateral Agent (as defined in the Trustee
           Account and Security Agreement);

          "Permitted Investments" Permitted Investments (as defined in the
           Trustee Account and Security Agreement);

          "Permitted Securitization Transaction" a securitization transaction
           (i) in connection with which (A) the amount required by Section
           7.01(x) is deposited in the Collateral Account and pledged to IFC and
           FMO pursuant to the Trustee Account and Security Agreement and (B)
           the Co-Borrowers assign and grant to IFC and FMO pursuant to the
           Security Agreements perfected and registered first priority security
           interests in Lease/Loan Receivables having the value required by
           Section 7.01(x), in substitution for collateral released or to be
           released from the Liens created pursuant to the Security Agreements
           and (ii) both before and after giving effect to which the Co-
           Borrowers will be in compliance with the covenants in Article VII and
           no Event of Default or Potential Event of Default will have occurred
           or be continuing;

          "Trustee Account and Security Agreement" the Trustee Account and
           Security Agreement dated as of September 29, 1998 among MSF, HSF, MSF
           Argentina, IFC, FMO, BankBoston N.A., BankBoston N.A. acting through
           its Buenos Aires, Argentina, Branch, as collateral agent, and DVI
           Financial Services, Inc., as amended from time to time;

          (iv)  replacing the date "September 29, 1998" with "September 30,
                1998" each time it appears in the definition of the term "FMO
                Documents."
<PAGE>

                                       5

     (b)  Section 1.02 of the Investment Agreement is amended by:

          (i)   deleting the definition of "Loan to Collateral Value Ratio"  and
                replacing it with the following:

          "Loan to Collateral Value Ratio" at any calculation date, (i) the
           amount of the Loan and the FMO Loan outstanding on the calculation
           date divided by (ii) the sum of (A) the NPV of Assigned Lease/Loan
           Receivables plus (B) the value of the Cash Collateral pledged to IFC
           and FMO under the Trustee Account and Security Agreement and in which
           IFC and FMO have a perfected and registered first priority security
           interest;

          (ii)  deleting the definition of Net Financed Assets and replacing it
                with the following:

          "Net Financed Assets" all financing provided through Eligible
           Leases/Loans outstanding that, at the time of computation, are owned
           by or payable to one of the Eligible Co-Borrowers, less principal
           payments received;

          (iii) deleting the definition of Portfolio Affected by Arrears and
                replacing it with the following:

          "Portfolio Affected by Arrears" the aggregate principal amount of
           leases or loans made by, and, at the time of computation, owned by or
           payable to, an Eligible Co-Borrower, which at the time of computation
           are in default for at least thirty (30) days;

          (iv)  adding in alphabetical order the following definition of NPV of
                Assigned Lease/Loan Receivables:
<PAGE>

                                       6

          "NPV of Assigned Lease/Loan Receivables" the net present value at any
          calculation date of all Lease/Loan Receivables assigned to IFC and FMO
          under the Security Agreements and in which IFC and FMO have a
          perfected and registered first priority security interest, discounted
          at the rate of six-month LIBOR plus 2.75%;

     (c)  Section 2.02(b) of the Investment Agreement is amended to read as
follows:

          (b) The proposed sources of financing for the Project are as follows:

<TABLE>
<CAPTION>
                           $ million
                          equivalent
                          ----------
<S>                       <C>

Equity in MSF Holding
---------------------
Voting Shares
-------------
PIE                              4.2
FMO                              2.1
IFC                              2.0
DVI                              7.7
                              ------
                                16.0
                              ======

Non-Voting Shares
-----------------
DVI                              4.1
                              ------

     Total Equity               20.1

Loans
-----

FMO                               10
IFC                               55
DVI (Stand-by Facility)           25

     Total Loans                  90
                              ------
TOTAL FINANCING                110.1
                              ======
</TABLE>
<PAGE>

                                       7

     (d)  Section 3.01 of the Investment Agreement is amended to read as
follows:

          Section 3.01.  The Loan.  On the terms and subject to the conditions
     of this Agreement, IFC agrees to lend to the Co-Borrowers:

          (a) the A Loan, being fifteen million Dollars ($15,000,000); and

          (b) the B Loan, being forty  million Dollars ($40,000,000).

     (e)  Section 3.06(b) of the Investment Agreement is amended to read as
follows:

          (b) The Co-Borrowers shall repay the B Loan on the following dates and
     in the following amounts:

<TABLE>
<CAPTION>
          Date Payment Due           Principal Amount Due
          ----------------           --------------------

          <S>                        <C>
          November 15, 2000                 $6,666,666.67
          May 15, 2001                      $6,666,666.67
          November 15, 2001                 $6,666,666.67
          May 15, 2002                      $6,666,666.67
          November 15, 2002                 $6,666,666.67
          May 15, 2003                      $6,666,666.67
</TABLE>

     (f)  Section 3.13(a)(v) of the Investment Agreement is amended to read as
follows:

          (v) on or after December 31, 2000.

     (g)  Section 7.01 of the Investment Agreement is amended by deleting
subsection (v), replacing "(w)" with "(v)", replacing the punctuation at the end
of such section with "; " and adding new subsections (w) and (x) as follows:

          (w) give IFC at least ten (10) Business Days' prior written notice of
     any proposed Permitted Securitization Transaction and in such notice:
<PAGE>

                                       8

          (i)   describe the proposed Permitted Securitization Transaction,
                including, without limitation, its structure and any
                Subsidiaries or Affiliates to be formed;

          (ii)  specify the loans and leases to be released from the Liens
                created under the Security Agreements and any leases or loans to
                be assigned to IFC and FMO in connection with such Permitted
                Securitization Transaction (including for each loan or lease to
                be released or assigned the name of the borrower or lessee, the
                amount thereof, and its status (i.e., current or restructured))
                and the amount to be deposited in the Collateral Account in
                connection with such Permitted Securitization Transaction;

          (iii) show a calculation of the Loan to Collateral Value Ratio
                before and after giving effect to such Permitted Securitization
                Transaction; and

          (iv)  certify that both before and after giving effect to such
                Permitted Securitization Transaction, the Co-Borrowers will be
                in compliance with the covenants in Article VII and that no
                Event of Default or Potential Event of Default will have
                occurred or be continuing; and

          (x)   in connection with any Permitted Securitization Transaction:

          (i)   deposit into the Collateral Account an amount in Dollars and
                assign and grant to IFC and FMO pursuant to the Security
                Agreements perfected and registered first priority security
                interests in additional Lease/Loan Receivables, such that the
                sum of (A) the amount so deposited and (B) the net present value
                of such additional Lease/Loan Receivables, discounted at the
                rate of six-month LIBOR plus 2.75%, equals the net present value
                of the Lease/Loan Receivables to be released from the Liens
                created under the Security Agreements in connection with such
                Permitted Securitization Transaction, discounted at the rate of
                six-month LIBOR plus 2.75%; and

          (ii)  deliver to IFC at the Co-Borrowers' cost and expense such
                opinions of counsel as IFC may request with respect to the
<PAGE>

                                       9

                validity, perfection and the priority of the security interest
                in Cash Collateral and Lease/Loan Receivables granted to IFC and
                FMO in connection with such Permitted Securitization
                Transaction;

     (h)  Section 7.02 of the Investment Agreement is amended by deleting "and"
at the end of subsection (c), replacing the punctuation at the end of subsection
(d) with "; and" and adding a new subsection (e) as follows:

          (e) maintain a Loan to Collateral Value Ratio of no more than 95%.

     (i)  Section 7.04(a)(iii) of the Investment Agreement is amended to read as
follows:

          (iii) that part of Short-term Debt which is Indebtedness for Money
                Borrowed incurred from commercial and/or investment banks in the
                ordinary course of business, not exceeding at any one time
                outstanding the equivalent of twenty percent (20%) of the sum of
                (A) the aggregate principal amount of Eligible Leases/Loans in
                the MSF Portfolio plus (B) the value of the Cash Collateral
                pledged to IFC and FMO under the Trustee Account and Security
                Agreement and in which IFC and FMO have perfected and registered
                first priority security interests; and

     (j)  Section 7.04(d) of the Investment Agreement is amended to read as
follows:

          (d) except in connection with a Permitted Securitization Transaction,
     enter into any transaction except in the ordinary course of business on the
     basis of arm's-length arrangements (including, without limitation,
     transactions whereby any of the Co-Borrowers might pay more than the
     ordinary commercial price for any purchase or might receive less than the
     full ex-works commercial price (subject to normal trade discounts) for its
     products);

     (k)  Section 7.04(g) of the Investment Agreement is amended to read as
follows:

          (g) except in connection with a Permitted Securitization Transaction,
     form or have any Subsidiary or Affiliate, other than those
<PAGE>

                                       10

     Subsidiaries and Affiliates listed on the attached Schedule 9 that are used
     for the purposes previously described by the Co-Borrowers to IFC;

     (l)  Section 7.04(l) of the Investment Agreement is amended to read as
follows:

          (l) other than as contemplated by the Project or in connection with a
     Permitted Securitization Transaction, sell, transfer, lease or otherwise
     dispose of all or a substantial part of its capital assets (whether in a
     single transaction or in a series of transactions, related or otherwise and
     including, but not limited to, securitizations or loan sales);

     (m)  Section 7.04 of the Investment Agreement is amended by deleting "or"
at the end of subsection (q) thereof, inserting "or" at the end of subsection
(r), and adding a new subsection (s) as follows:

          (s) permit the value of the Cash Collateral pledged to the Collateral
     Agent for the benefit of IFC and FMO under the Trustee Account and Security
     Agreement at any date to exceed one-third (1/3) of the NPV of Assigned
     Lease/Loan Receivables; provided, that at any date during the one hundred
     and twenty-day  period immediately following the Closing Date of any
     Permitted Securitization Transaction, the value of the Cash Collateral
     pledged to the Collateral Agent for the benefit of IFC and FMO under the
     Trustee Account and Security Agreement may exceed one-third (1/3), but
     shall not exceed one-half (1/2), of the NPV of Assigned Lease/Loan
     Receivables at such date.

     (n)  Section 9.06 of the Investment Agreement is amended by adding at the
end thereof a new section (c) as follows:

          (c) For the purpose of calculations under this Agreement, the value of
     Permitted Investments shall be the average of the closing bid and asked
     prices for the Business Day immediately prior to such valuation as set
     forth in the Wall Street Journal (or if unavailable in the Wall Street
     Journal for any reason, as set forth in any other recognized financial
     publication selected by IFC).

     (o)  Schedule 2 to the Investment Agreement is amended by deleting the
words "forty million Dollars ($40,000,000)" and replacing them with "fifty-five
million Dollars ($55,000,000)" and inserting after "September 29, 1998" the
words ", as amended,".
<PAGE>

                                       11

     (p)  The Investment Agreement is amended by adding at the end thereof as
Schedule 9 the document entitled "Schedule 9" that is annexed hereto.

     Section 3.  Miscellaneous.

     (a)  Notwithstanding anything to the contrary in this Agreement, the
amendments set forth in Section 2 shall not become effective until IFC (i)
receives opinions of its counsel in New York, the Bahamas, Uruguay and Argentina
and elsewhere, in form and substance satisfactory to IFC and concurred in by
counsel to the Borrower, with respect to such matters related to this Agreement,
the Investment Agreement, the Trustee Account and Security Agreement, and the
amendment to the Trustee Account and Security Agreement dated as of the date
hereof, as IFC may reasonably request, and (ii) by written notice to the Co-
Borrowers, confirms that such amendments have become effective.

     (b)  All references in the Investment Agreement to "this Agreement",
"herein", "hereof", "hereunder", "hereto" or expressions of like meaning shall
be references to the Investment Agreement, as amended by this Agreement.

     (c)  Except as amended hereby, the Investment Agreement shall remain in
full force and effect.

     (d)  Each of the Co-Borrowers hereby restates, as if set forth herein at
length, and confirms, as of the date hereof, the representations and warranties
made by it in Article V of the Investment Agreement.

     (e)  The Co-Borrowers shall pay to IFC or as IFC may direct the reasonable
fees and expenses of  IFC's counsel in New York, the Bahamas, Uruguay and
Argentina and elsewhere incurred in connection with (i) the preparation and/or
review, execution and, where appropriate, translation and registration of this
Agreement, and any other documents related to this Agreement; and (ii) the
giving of any legal opinions required by IFC in connection herewith.

     (f)  This Agreement is governed by, and shall be construed in accordance
with, the laws of the State of New York, United States of America.

     (g)  This Agreement may be executed in several counterparts, each of which
shall be considered an original, but all of which together shall constitute one
and the same agreement.
<PAGE>

                                       12

          IN WITNESS WHEREOF, the parties to this Amendment have caused this
Agreement to be duly executed as of the date first above written.

                                MSF HOLDING LTD.

                                By: ___________________________
                                   Name:
                                   Authorized Representative

                                MEDICAL SYSTEMS FINANCE S.A.

                                By: _____________________________
                                   Name:
                                   Authorized Representative

                                ESTOLUR S.A.

                                By: ___________________________
                                   Name:
                                   Authorized Representative

                                HEALTHCARE SYSTEMS FINANCE S.A.

                                By: _________________________________
                                   Name:
                                   Authorized Representative
<PAGE>

                                       13

                                MSF/HSF ARGENTINA S.A.

                                By: _____________________
                                   Name:
                                   Authorized Representative

                                INTERNATIONAL FINANCE CORPORATION

                                By: _____________________________________
                                   Name:
                                   Authorized Representative
<PAGE>

                                       14

                                                                      SCHEDULE 9
                                                                      ----------
                                                                     Page 1 of 2

                          SUBSIDIARIES AND AFFILIATES
                          ---------------------------

               (see Section 7.04(g) of the Investment Agreement)

MSF HOLDING LTD
---------------
A Holding Company incorporated in the Bahamas.

   1. MSF CAYMAN ISLANDS, LTD
      -----------------------
      A Company, incorporated in the Cayman Islands.

        a. MSF CAYMAN USA LLC
           ------------------
           A Delaware Limited Liability Company.

        b. MSF TRUSTEE LTDA
           ----------------
           A Brazilian Limitada.

        c. MSF DO BRASIL LTDA and HSF DO BRASIL LTDA
           -----------------------------------------
           Two Brazilian Limitada companies.

   2. MSF INTERMEDIATE HOLDINGS LLC
      -----------------------------
      A Cayman Islands Company.

        a. MSF FUNDING LLC
           ---------------
           A Delaware Special Purpose Corporation.

        b. MSF INTERMEDIATE ACQUISITION LLC
           --------------------------------
           A Delaware Limited Liability Company.

   3. MEDICAL SYSTEMS FINANCE S.A.
      ----------------------------
      A Uruguayan sociedad anonima.
<PAGE>

                                       15

                                                                      SCHEDULE 9
                                                                      ----------
                                                                     Page 2 of 2

   4. HEALTHCARE SYSTEMS FINANCE S.A.
      -------------------------------
      A Uruguayan sociedad anonima.

   5. ESTOLUR S.A.
      ------------
      A Finance Investment Company (S.A.F.I.).

        a. MSF DE COLOMBIA LTDA and HSF DE COLOMBIA LTDA
           ---------------------------------------------
           Two Colombian operating entities.

        b. MSFOPERATIONS DE MEXICO S.A. and H.S.F. OPERATIONS DE MEXICO S.A.
           -----------------------------------------------------------------
           Two Mexican operating entities.

   6. MSF/HSF ARGENTINA S.A.
      ----------------------
      A Company established in Argentina.<PAGE>

                                                                   EXHIBIT 10.22

================================================================================

                                               INVESTMENT NUMBERS 8354 and 10458

                                   Amendment
                                      to
                             Amended and Restated
                             Investment Agreement

                                     among

                               MSF HOLDING LTD.,

                         MEDICAL SYSTEMS FINANCE S.A.,

                                 ESTOLUR S.A,

                       HEALTHCARE SYSTEMS FINANCE S.A.,

                            MSF/HSF ARGENTINA S.A.,

                                      and

                       INTERNATIONAL FINANCE CORPORATION

                              Dated June 28, 2001

================================================================================

<PAGE>

                                  AMENDMENT TO
                              AMENDED AND RESTATED
                              INVESTMENT AGREEMENT

     AGREEMENT, dated June 28, 2001, among MSF HOLDING LTD., a company organized
and existing under the laws of the Commonwealth of the Bahamas ("MSF Holding"),
MEDICAL SYSTEMS FINANCE S.A. ("MSF"), ESTOLUR S.A. ("Estolur"), HEALTHCARE
SYSTEMS FINANCE S.A. ("HSF"), each of them a sociedad anonima, organized and
                                             -------- -------
existing under the laws of Uruguay, and MSF/HSF ARGENTINA S.A., a sociedad
                                                                  --------
anonima organized and existing under the laws of Argentina, formerly known as
-------
Sistemas Financieros S.A. and as MSF Argentina S.A. ("MSF Argentina"), and
INTERNATIONAL FINANCE CORPORATION, an international organization established by
Articles of Agreement among its member countries ("IFC").

     WHEREAS:

     (A) Pursuant to an Amended and Restated Investment Agreement dated April
27, 1998, as amended and restated as of September 29, 1998 and as further
amended (as amended from time to time, the "Investment Agreement") among the
parties hereto, IFC has made a loan to the Co-Borrowers (as such term and other
terms used herein are defined in Section 1) in the aggregate principal amount of
up to fifty-five million Dollars ($55,000,000).

     (B) IFC and the Co-Borrowers have agreed to amend the Investment Agreement
as provided herein.

     NOW, THEREFORE, the parties agree as follows:

     Section 1.  Definitions.  All capitalized terms used in this Agreement
(including the preamble and recitals) and not otherwise defined herein, unless
the context otherwise requires, have the respective meanings given to such terms
in the Investment Agreement.

     Section 2.  Amendments to the Investment Agreement.

     (a) Section 1.01 of the Investment Agreement is amended by inserting in
such section in alphabetical order the following additional definitions:
<PAGE>

                                       2

          "Contract Repurchase Guarantee Agreement" an agreement among DVI
Financial, Oferil and the Co-Borrowers, in form and substance acceptable to IFC,
(i) obligating Oferil to purchase Defaulted Receivables in an amount in each
fiscal Year at least equal to the difference between two percent (2%) of Net
Financed Assets and the amount of the Lease/Loan Loss Reserve at a price equal
to the amount of such Defaulted Receivables and (ii) providing for the payment
for each Defaulted Receivable purchased by the reduction of the principal amount
of the loans outstanding under the Stand-by Loan Facility Agreement by the
amount of such Defaulted Receivable;

          "Defaulted Receivable" any Lease/Loan Receivable in respect of which
any amount is due and unpaid for one hundred eighty-one (181) days or more;

     (b) Section 1.02 of the Investment Agreement is amended by inserting in
such section in alphabetical order the following additional definition:

          "Debt to Equity Ratio" the result obtained by dividing Debt by
Shareholders' Equity;

     (c)  Section 3.07(a)(i) of the Investment Agreement is amended to reach as
follows:

          (i) the Co-Borrowers simultaneously pay all accrued interest and
     Maintenance Amount (if any) on the amount of the Loan to be prepaid
     together with (A) a prepayment premium in an amount equal to one and one-
     half percent (1.5%) of the amount of the Loan being prepaid and (B) all
     other amounts then due and payable under this Agreement.

     (d)  Section 7.02(b) of the Investment Agreement is amended to read as
follows:

          (b) cause the Eligible Co-Borrowers to maintain on a consolidated
     basis a diversified vendor portfolio, with no single vendor
<PAGE>

                                       3

     providing more than (i) 50% of the equipment financed pursuant to Eligible
     Leases/Loans in the MSF Portfolio from July 1, 2002 through June 30, 2003,
     and (ii) 40% of such equipment thereafter;

     (e)  Section 7.03(b) of the Investment Agreement is amended to read as
follows:

          (b) maintain, on an aggregate basis, a diversified vendor lease
     portfolio, with no single vendor representing more than (i) fifty percent
     (50%) of the equipment financed pursuant to Eligible Leases/Loans in the
     MSF Portfolio from July 1, 2002 through June 30, 2003, and (ii) forty
     percent (40%) of such equipment thereafter;

     (f)  Section 7.02(c) of the Investment Agreement is amended to read as
follows:

          (c) maintain a Lease/Loan Loss Reserve of at least (i) one percent
     (1%) of Net Financed Assets during Fiscal Year 1999, (ii) one and one-half
     percent (1.5%) of Net Financed Assets during Fiscal Year 2000, and (iii)
     two percent (2%) of Net Financed Assets in Fiscal Year 2001 and thereafter;
     provided, that in Fiscal Year 2001 and thereafter, MSF Holding may maintain
     a Lease/Loan Loss Reserve of at least one-half percent (0.5%) of Net
     Financed Assets if (A) the Contract Repurchase Guarantee Agreement is in
     full force and effect, (B) in each such Fiscal Year, Oferil has purchased
     from the Eligible Co-Borrowers pursuant to the Contract Repurchase
     Guarantee Agreement an amount of Defaulted Receivables at least equal to
     the difference between two percent (2%) of Net Financed Assets and the
     amount of the Lease/Loan Loss Reserve, each Defaulted Receivable so
     purchased has been paid for by the reduction of the principal amount of the
     loans outstanding under the Stand-by Loan Facility Agreement by the amount
     of such Defaulted Receivable, and DVI Financial has delivered to the Co-
     Borrowers evidence of the satisfaction of the loans so canceled, (C) the
     amount of loans outstanding under the Stand-by Loan Facility Agreement
     after giving effect to any repurchase of and payment for Defaulted
     Receivables is at least equal to the difference between two percent (2%) of
     Net Financed Assets and the amount of the Lease/Loan Loss Reserve, and (D)
     and all loans outstanding under the Stand-by Loan Facility Agreement are
     subordinated on terms acceptable to IFC to all amounts payable under this
     Agreement;

     (g)  Section 7.03(c) of the Investment Agreement is amended to read as
follows:

<PAGE>

                                       4

          (c)  maintain, on an aggregate basis, a Lease/Loan Loss Reserve of at
     least (i) one percent (1%) of Net Financed Assets during Fiscal Year 1999,
     (ii) one and one half percent (1.5%) of Net Financed Assets during Fiscal
     Year 2000, and (iii) two percent (2.0%) of Net Financed Assets in Fiscal
     Year 2001 and thereafter; provided, that in Fiscal Year 2001 and
     thereafter, the Eligible Co-Borrowers may maintain on an aggregate basis a
     Lease/Loan/Loss Reserve of at least one-half percent (0.5%) of Net Financed
     Assets if (A) the Contract Repurchase Guarantee Agreement is in full force
     and effect, (B) in each Fiscal Year, Oferil has repurchased from the
     Eligible Co-Borrowers pursuant to the Contract Repurchase Guarantee
     Agreement an amount of Defaulted Receivables at least equal to the
     difference between two percent (2%) of Net Financed Assets and the amount
     of the Lease/Loan Loss Reserve, each Defaulted Receivable so purchased has
     been paid for by the reduction of the principal amount of the loans
     outstanding under the Stand-by Loan Facility Agreement by the amount of
     such Defaulted Receivable, and DVI Financial has delivered to the Co-
     Borrowers evidence of the satisfaction of the loans so canceled, (C) the
     amount of loans outstanding under the Stand-by Loan Facility Agreement
     after giving effect to any repurchase of and payment for Defaulted
     Receivables is at least equal to the difference between two percent (2%) of
     Net Financed Assets and the amount of the Lease/Loan Loss Reserve, and (D)
     all loans outstanding under the Stand-by Loan Facility Agreement are
     subordinated on terms acceptable to IFC to all amounts payable under this
     Agreement; and

     (h)  Section 7.04(a) of the Investment Agreement is amended to read as
follows:

          Section 7.04.  Negative Covenants.  Unless IFC otherwise agrees, each
     of the Co-Borrowers shall not:

     (a)  incur, assume or permit to exist any indebtedness except:

          (i)    the Loan;

          (ii)   the FMO Loan;

          (iii)  that part of Short-term Debt which is Indebtedness for Money
                 Borrowed incurred from commercial and/or investment banks in
                 the ordinary course of business, not exceeding at any one time
                 outstanding the equivalent of
<PAGE>

                                       5

                 twenty percent (20%) of the sum of (A) the aggregate principal
                 amount of Eligible Leases/Loans in the MSF Portfolio plus (B)
                 the value of the Cash Collateral pledged to IFC and FMO under
                 the Trustee Account and Security Agreement and in which IFC and
                 FMO have perfected and registered first priority security
                 interests;

          (iv)   other loans contemplated in the Financial Plan; and

          (v)    additional Debt which would not result in the Debt to Equity
                 Ratio exceeding 8:1; provided, that, at the time of incurring
                 such Debt, and after giving effect to the incurrence of such
                 Debt, no Event of Default or Potential Event of Default has
                 occurred and is continuing and that such additional Debt is not
                 secured by any assets comprising the IFC/FMO Security;

     Section 3.  Miscellaneous.

     (a) Each of the Co-Borrowers agrees to deliver to IFC such opinions of
counsel as it may reasonably request with respect to this Agreement.

     (b) All references in the Investment Agreement to "this Agreement",
"herein", "hereof", "hereunder", "hereto" or expressions of like meaning shall
be references to the Investment Agreement, as amended by this Agreement.

     (c) Except as amended hereby, the Investment Agreement shall remain in full
force and effect.

     (d) Each of the Co-Borrowers hereby restates, as if set forth herein at
length, and confirms, as of the date hereof, the representations and warranties
made by it in Article V of the Investment Agreement.

     (e) The Co-Borrowers shall pay to IFC or as IFC may direct the reasonable
fees and expenses of  IFC's counsel in New York, the Bahamas, Uruguay,
Argentina, Mexico and elsewhere incurred in connection with (i) the preparation
and/or review, execution and, where appropriate, translation and registration of
this Agreement, and any other documents related to this Agreement; and (ii) the
giving of any legal opinions required by IFC in connection herewith.
<PAGE>

                                       6

     (f) This Agreement is governed by, and shall be construed in accordance
with, the laws of the State of New York, United States of America.

     (g) This Agreement may be executed in several counterparts, each of which
shall be considered an original, but all of which together shall constitute one
and the same agreement.

          IN WITNESS WHEREOF, the parties to this Amendment have caused this
Agreement to be duly executed as of the date first above written.

                              MSF HOLDING LTD.

                              By: _____________________________
                                  Name:
                                  Authorized Representative

                              MEDICAL SYSTEMS FINANCE S.A.

                              By: _____________________________
                                  Name:
                                  Authorized Representative

                              ESTOLUR S.A.

                              By: _____________________________
                                  Name:
                                  Authorized Representative

<PAGE>

                                       7

                              HEALTHCARE SYSTEMS FINANCE S.A.

                              By: _________________________________
                                  Name:
                                  Authorized Representative

                              MSF/HSF ARGENTINA S.A.

                              By: _________________________________
                                  Name:
                                  Authorized Representative

                              INTERNATIONAL FINANCE CORPORATION

                              By: _________________________________
                                  Name:
                                  Authorized Representative

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