Document:

<PAGE>   1
                                                                   Exhibit 10.84

April 13, 2001

Bankers Insurance Group, Inc.
360 Central Avenue
St. Petersburg, Florida 33731

RE:  COMMITMENT TO ADVANCE SERVICE FEE PAYMENTS

WHEREAS, Insurance Management Solutions, Inc. ("IMS"), a wholly-owned
subsidiary of Insurance Management Solutions Group, Inc. ("IMSG"), is currently
providing insurance administration services to Bankers Security Insurance
Company ("BSIC"), First Community Insurance Company ("FCIC"), and Bankers
Insurance Company ("BIC") pursuant to separate insurance administration
services agreements (as amended to date, the "Services Agreements") all dated
January 1, 1998, between IMS and each of BSIC, FCIC and BIC (collectively, the
"Insurance Subsidiaries");

WHEREAS, BIC and FCIC are wholly owned by Bankers Insurance Group, Inc. ("BIG")
and BSIC is owned by both BIG and BIC;

WHEREAS, the Services Agreements provide that the Insurance Subsidiaries shall
advance such funds to IMS as IMS and the Insurance Subsidiaries may mutually
agree are reasonable necessary; and

WHEREAS, BIG, on behalf of the Insurance Subsidiaries, has agreed to advance up
to One Million Five Hundred Thousand Dollars ($1,500,000.00) per month to IMS
as prepayment of Service Fees due by the Insurance Subsidiaries under the
Services Agreements.

NOW, THEREFORE, IMS and BIG hereby agree as follows:

I.       Commitment to Advance Service Fee Payments:

         BIG agrees that, effective June 1, 2001, and continuing until December
         1, 2002, it shall advance upon demand such funds to IMS as IMS may
         request, up to a limit of One Million Five Hundred Thousand
         ($1,500,000.00) per month. Any funds advanced by BIG to IMS under this
         Letter Agreement shall constitute prepayment of, and be credited
         towards the Service Fees that will be due IMS for insurance
         administration services performed by IMS on

II.      Disclosure:

         The parties agree not to disclose the terms and conditions of this
         Letter Agreement to any third party, except (a) as required in the
         normal conduct of their respective businesses or (b) as required by
         law or regulation including, without limitation, any federal
         securities law or regulation.

III.     Legal Effect:

         This Letter Agreement shall constitute a definitive and binding
         agreement by and among the parties hereto.

         If you are in agreement with the foregoing, please indicate by signing
this Letter Agreement in the space set forth below.

                                          Sincerely,

                                          /s/ David M. Howard
                                          -------------------------------------
                                          David M. Howard, President
                                          Insurance Management Solutions, Inc.

Accepted and agreed to as of
this 13th day of April, 2001

IMS:
Insurance Management Solutions, Inc.

By: David M. Howard
   -----------------------------
As Its: President/CEO
       -------------------------
Date: 4/16/01
     ---------------------------

BIG:
Bankers Insurance Group, Inc.

By: Edwin Hussemann
   -----------------------------
As Its: Treasurer
       -------------------------
Date: 4/16/01
     ---------------------------<PAGE>   1
                                                                 EXHIBIT 4.43

                             VISION TWENTY-ONE, INC.
            FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

         This First Amendment to Amended and Restated Credit Agreement (herein,
the "Amendment") is entered into as of March 31, 2001, among Vision Twenty-One,
Inc., a Florida corporation (the "Borrower"), the Lenders party hereto, and Bank
of Montreal as Agent for the Lenders.

                             PRELIMINARY STATEMENTS

         A.       The Borrower, the Lenders, and the Agent are parties to an
Amended and Restated Credit Agreement, dated as of November 10, 2000 (herein,
the "Credit Agreement"). All capitalized terms used herein without definition
shall have the same meanings herein as such terms have in the Credit Agreement.

         B.       The Borrower and the Lenders have agreed to amend the Credit
Agreement on the terms and conditions as provided for in this Amendment.

         NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:

SECTION 1.        AMENDMENTS.

         Subject to the satisfaction of the conditions precedent set forth in
Section 3 below, the Credit Agreement shall be and hereby is amended as follows:

                  1.1.     Section 8.5(c) of the Credit Agreement shall be
         amended and restated in its entirety to read as follows:

                           (c)      as soon as available, and in any event
                  within 25 days after the last day of each calendar month, a
                  copy of the consolidated balance sheet of the Borrower and its
                  Subsidiaries as of the last day of such month and the
                  consolidated statements of income, retained earnings and cash
                  flows of the Borrower and its Subsidiaries for the month and
                  for the fiscal year-to-date period then ended, together with a
                  monthly balance sheet and income statement by each Borrower's
                  business segments as of the last day of such month and an
                  accounts receivable and accounts payable aging report as of
                  the last day of such month, each in reasonable detail showing
                  in the case of the balance sheet, income statement, and
                  statement of cash flows in comparative form the figures
                  against the Borrower's operating budget previously furnished
                  to the Lenders and, for periods ending on or after October 31,
                  2001, the figures for the corresponding date and period in the
                  previous fiscal year, prepared by the Borrower in accordance
                  with GAAP
<PAGE>   2

                  and certified to by the Borrower's chief financial officer, or
                  another officer of the Borrower reasonably acceptable to the
                  Agent;

                  1.2.     Section 8.7 of the Credit Agreement shall be amended
         by striking the period appearing at the end of subsection (h) thereof
         and inserting a semicolon followed by the word "and" and inserting
         immediately thereafter a new subsection (i) which shall read as
         follows:

                           (i)      the Borrower's guarantee of the lease
                  obligations owing with respect to the facilities leased by
                  American SurgiSite Centers (or its affiliate) and by Dr. Hale
                  (or his affiliate) which are located at 9210 East Mountain
                  View Road, Scottsdale, Arizona, provided the aggregate amount
                  of base rental payments for both facilities guaranteed by the
                  Borrower does not exceed $125,000 per year and the leases
                  guaranteed by the Borrower do not extend beyond March 31,
                  2004.

                  1.3.     Section 8.22(b) of the Credit Agreement shall be
         amended and restated in its entirety to read as follows:

                           (b)      The Borrower shall not permit any Dormant
                  Subsidiary to engage in any trade or business or have total
                  assets with a value of more than $1,000 without the prior
                  written consent of the Required Lenders and then only if such
                  Subsidiary becomes a guarantor of the Obligations and pledges
                  its assets pursuant to Section 4 hereof; and the Borrower
                  hereby agrees that it shall dissolve or merge out of existence
                  all Dormant Subsidiaries by no later than May 31, 2001, unless
                  otherwise consented to by the Required Lenders.

                  1.4.     Section 8.25 and 8.26 of the Credit Agreement shall
         be amended and restated in their entirety to read as follows:

                           Section 8.25. Minimum EBITDA. As of the last day of
                  each fiscal quarter of the Borrower, the Borrower shall
                  maintain EBITDA for the four fiscal quarters then ended of not
                  less than:

<TABLE>
<CAPTION>
                      FISCAL QUARTER ENDING ON         MINIMUM EBITDA
                             OR ABOUT
                      <S>                              <C>
                             03/31/01                    $1,125,000
                             06/30/01                     2,225,000
                             09/30/01                     3,475,000
                             12/31/01                     4,700,000
                             03/31/02                     5,200,000
</TABLE>

                                      -2-
<PAGE>   3

<TABLE>
<CAPTION>
                      FISCAL QUARTER ENDING ON         MINIMUM EBITDA
                             OR ABOUT
                      <S>                              <C>
                             06/30/02                     5,800,000
                             09/30/02                     6,300,000
                             12/31/02                     6,500,000
                             03/31/03                     6,700,000
                             06/30/03                     6,800,000
                      09/30/03 and thereafter             7,000,000
</TABLE>

                  ; provided that (a) EBITDA shall be computed exclusive of
                  EBITDA (positive or negative) attributable to operations
                  discontinued by the Borrower on or before March 31, 2001, and
                  (b) EBITDA shall be calculated on March 31, 2001, for the one
                  fiscal quarter then ended; on June 30, 2001, for the two
                  fiscal quarters then ended; and on September 30, 2001, for the
                  three fiscal quarters then ended.

                           Section 8.26. Interest Coverage Ratio. As of the last
                  day of each fiscal quarter of the Borrower, the Borrower shall
                  maintain a ratio of (a) EBITDA for the four fiscal quarters of
                  the Borrower then ended to (b) Interest Expense for the same
                  four fiscal quarters of the Borrower then ended, of not less
                  than :

<TABLE>
<CAPTION>
                      FISCAL QUARTER ENDING ON           INTEREST COVERAGE RATIO
                             OR ABOUT
                      <S>                                <C>
                             03/31/01                           .90 to 1.0
                             06/30/01                          1.00 to 1.0
                             09/30/01                          1.05 to 1.0
                             12/31/01                          1.10 to 1.0
                             03/31/02                          1.30 to 1.0
                             06/30/02                          1.45 to 1.0
                             09/30/02                          1.60 to 1.0
                             12/31/02                          1.55 to 1.0
                             03/31/03                          1.45 to 1.0
                             06/30/03                          1.35 to 1.0
                      09/30/03 and thereafter                  1.30 to 1.0
</TABLE>

                  ; provided that (a) EBITDA shall be computed exclusive of
                  EBITDA (positive or negative) attributable to operations
                  discontinued by the Borrower on or before March 31, 2001, and

                                      -3-
<PAGE>   4

                  (b) EBITDA and Interest Expense shall be calculated on March
                  31, 2001, for the one fiscal quarter then ended; on June 30,
                  2001, for the two fiscal quarters then ended; and on September
                  30, 2001, for the three fiscal quarters then ended.

                  1.5.     Section 9.1(m) of the Credit Agreement shall be
         amended and restated in its entirety to read as follows:

                           (m)      the Borrower and its shareholders fail to
                  approve and authorize the increase in the authorized shares of
                  the Borrower's capital stock pursuant to the Plan of
                  Restructuring by May 31, 2001, or the Borrower fails to
                  reserve sufficient shares of authorized capital stock of the
                  Borrower to satisfy the requirements of the Convertible Note
                  and Warrant Documents by such date.

SECTION 2.        WAIVERS.

         The Borrower has requested that the Lenders waive the Borrower's
non-compliance with the following covenants contained in the Credit Agreement:
(a) Section 8.5(c) with respect to the delivery of the monthly financial
statements and the accounts receivable and accounts payable aging reports for
the months of December 2000, January 2001, and February 2001, (b) Section 8.24
with respect to the review and summary of IBNR claims due for the fiscal quarter
ending December 31, 2000, and (c) Section 9.1(m) with respect to the shareholder
approval required therein by February 28, 2001. In order to accommodate the
Borrower's request, the Lenders hereby agree to waive the Borrower's
non-compliance with the above-referenced covenants, provided that (i) the
financial statements and financial reports referred to in clause (a) above
(except the past-due accounts receivable aging reports) and the IBNR claims
review and summary referred to in clause (b) above are delivered to the Lenders
on or before April 30, 2001, (ii) the past due accounts receivable aging reports
referred to in clause (a) above are delivered to the Lenders on or before May
31, 2001, and (iii) the Borrower comply with Section 1.4 above with respect to
the required shareholder approval. Except as specifically waived hereby, all of
the terms and conditions of the Credit Agreement shall stand and remain
unchanged and in full force and effect. This waiver does not extend to or cover
any other Events of Default which may now or hereafter exist under the Credit
Agreement.

SECTION 3.        CONDITIONS PRECEDENT.

         The effectiveness of this Amendment is subject to the satisfaction of
all of the following conditions precedent:

                  3.1.     The Borrower, the Agent, and the Lenders shall have
         executed and delivered this Amendment.

                                      -4-
<PAGE>   5

                  3.2.     Each Subsidiary (other than Dormant Subsidiaries)
         shall have executed its acknowledgement and consent to this Amendment
         in the space provided for that purpose below.

                  3.3.     Legal matters incident to the execution and delivery
         of this Amendment shall be satisfactory to the Agent and its counsel.

SECTION 4.        RELEASE OF CLAIMS.

         TO INDUCE THE LENDERS AND THE AGENT TO ENTER INTO THIS AMENDMENT, THE
BORROWER AND, BY SIGNING THE ACKNOWLEDGEMENT AND CONSENT REFERRED TO BELOW, EACH
OF ITS SUBSIDIARIES HEREBY RELEASE, ACQUIT, AND FOREVER DISCHARGE THE LENDERS
AND THE AGENT AND EACH OF THEIR AFFILIATES, AND THEIR OFFICERS, DIRECTORS,
AGENTS, EMPLOYEES, SUCCESSORS, AND ASSIGNS, FROM ALL LIABILITIES, CLAIMS,
DEMANDS, ACTIONS, AND CAUSES OF ACTION OF ANY KIND (IF ANY THERE BE), WHETHER
ABSOLUTE OR CONTINGENT, DUE OR TO BECOME DUE, DISPUTED OR UNDISPUTED, AT LAW OR
IN EQUITY, THAT THEY NOW HAVE OR EVER HAD AGAINST THE LENDERS AND THE AGENT AND
THEIR AFFILIATES, OR ANY ONE OR MORE OF THEM INDIVIDUALLY, UNDER OR IN
CONNECTION WITH THE CREDIT AGREEMENT OR ANY OF THE OTHER LOAN DOCUMENTS OR ANY
OTHER CREDIT, DEPOSIT OR OTHER FINANCIAL ACCOMMODATION MADE AVAILABLE TO THE
BORROWER OR ANY ONE OR MORE OF ITS SUBSIDIARIES.

SECTION 5.        MISCELLANEOUS.

         5.1.     The Borrower has heretofore executed and delivered to the
Agent and the Lenders certain of the Collateral Documents. The Borrower hereby
acknowledges and agrees that, notwithstanding the execution and delivery of this
Amendment, the Collateral Documents remain in full force and effect and the
rights and remedies of the Agent and the Lenders thereunder, the obligations of
the Borrower thereunder, and the liens and security interests created and
provided for thereunder remain in full force and effect and shall not be
affected, impaired, or discharged hereby. Nothing herein contained shall in any
manner affect or impair the priority of the liens and security interests created
and provided for by the Collateral Documents as to the indebtedness which would
be secured thereby prior to giving effect to this Amendment.

         5.2.     Except as specifically amended herein, the Credit Agreement
shall continue in full force and effect in accordance with its original terms.
Reference to this specific Amendment need not be made in the Credit Agreement,
the Notes, or any other instrument or document executed in connection therewith,
or in any certificate, letter or communication issued or made pursuant to or
with respect to the Credit Agreement, any reference in any of such items to the
Credit Agreement being sufficient to refer to the Credit Agreement as amended
hereby.

         5.3.     The Borrower agrees to pay on demand all costs and expenses of
or incurred by the Agent in connection with the negotiation, preparation,
execution, and delivery of this Amendment and the other instruments and
documents to be executed and delivered in connection herewith, including the
fees and expenses of counsel for the Agent.

                                      -5-
<PAGE>   6

         5.4.     This Amendment may be executed in any number of counterparts,
and by the different parties on different counterpart signature pages, all of
which taken together shall constitute one and the same agreement. Any of the
parties hereto may execute this Amendment by signing any such counterpart and
each of such counterparts shall for all purposes be deemed to be an original.
This Amendment shall be governed by the internal laws of the State of Illinois.

         5.5.     This Amendment together with the other Loan Documents
represent the entire agreement of the Borrower, its Subsidiaries, the Lenders
and the Agent with respect to the subject matter hereof and thereof, and there
are no promises or undertakings by the Lenders or the Agent relative to the
subject matter hereof or thereof not expressly set forth therein.

                           [SIGNATURE PAGES TO FOLLOW]

                                      -6-
<PAGE>   7

         This First Amendment to Amended and Restated Credit Agreement is dated
as of the date and year first above written.

                                        VISION TWENTY-ONE, INC.

                                        By        /s/ Richard W. Jones
                                           Name   Richard W. Jones
                                           Title  Chief Financial Officer

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

<TABLE>
<S>                                                            <C>
BANK OF MONTREAL, in its individual
capacity as a Lender and as Agent                              BANK ONE TEXAS, N.A.

                                                               By   /s/ Linda M. Thompson
By   /s/ Jack J. Kane                                             Name  Linda M. Thompson
   Name  Jack J. Kane                                             Title Sr. Vice President
   Title  Director

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

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

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

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

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

                                      S-1
<PAGE>   8

                           ACKNOWLEDGEMENT AND CONSENT

         The undersigned Subsidiaries of Vision Twenty-One, Inc., have
heretofore executed and delivered to the Agent and the Lenders one or more
Guaranties and Collateral Documents. Each of the undersigned hereby consents to
the First Amendment to Amended and Restated Credit Agreement as set forth above
and confirms that its Guaranty and Collateral Documents, and all of its
obligations thereunder, remain in full force and effect. Each of the undersigned
further agrees that the consent of the undersigned to any further amendments to
the Credit Agreement shall not be required as a result of this consent having
been obtained, except to the extent, if any, required by the Loan Documents
referred to above.

                               "GUARANTORS"

                               VISION 21 PHYSICIAN PRACTICE MANAGEMENT COMPANY
                               VISION 21 MANAGED EYE CARE OF TAMPA BAY, INC.
                               VISION TWENTY-ONE MANAGED EYE CARE IPA, INC.
                               BBG-COA, INC.
                               LSI ACQUISITION, INC.
                               MEC HEALTH CARE, INC.
                               VISION TWENTY-ONE EYE SURGERY CENTERS, INC.
                               EYE SURGERY CENTER MANAGEMENT, INC.
                               VISION TWENTY-ONE REFRACTIVE CENTER, INC.
                               VISION TWENTY-ONE OF WISCONSIN, INC.
                               NEW JERSEY EYE LASER CENTERS, INC.
                               VISION TWENTY-ONE EYE LASER CENTERS, INC.
                               BLOCK VISION, INC.
                               UVC INDEPENDENT PRACTICE ASSOCIATION, INC.

                               By  /s/ Mark B. Gordon
                                   Mark B. Gordon, an authorized signatory for
                                       each of the above-referenced entities

                                      S-2

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