Document:

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                                                                   Exhibit 10.79

                                                           [LOGO OF WELLS FARGO]

Real Estate Group
Orange County
2030 Main Street, Suite 800
Irvine, CA 92614
949 25l-4300

September 23, 2002

Mr. Preston Miller
ACF Investment Corp.,
801 Cherry Street, Suite 3900
Fort Worth, Texas, 76102

RE:   ACF Investment Corp., a Delaware corporation
      4000 Embarcadero, Arlington, TX 76014 ("Property")
      Wells Fargo Bank Texas, Loan No. #27840E

Dear Mr. Miller:

This Sixth Letter Modification Agreement dated September 23, 2002 ("Agreement")
is entered into by and between Wells Fargo Bank Texas, National Association
("Lender") and ACF Investment Corp., a Delaware corporation ("Borrower").

Pursuant to the terms of a construction loan agreement between Borrower and
Wells Fargo Bank, National Association ("Original Lender") dated June 29, 2001
("Loan Agreement"), Original Lender made a loan to Borrower in the principal
amount of Twenty Four Million Seven Hundred Eighty Thousand and 00/100ths
Dollars ($24,780,000.00) ("Loan"). Said Loan is secured by, among other things,
a Construction Deed of Trust with Absolute Assignment of Leases and Rents,
Security Agreement and Fixture Filing ("Deed of Trust") dated June 29, 2001,
executed by Borrower as "Grantor" for the benefit of Original Lender as
"Beneficiary" and recorded on July 30, 2001, as Instrument No. D201180713, in
the official records of Tarrant County, Texas encumbering real property
described more particularly therein; and evidenced by a Promissory Note dated
June 29, 2001 ("Note") and other documentation necessary to perfect the Loan and
any amendments or modifications thereto (individually and collectively, the
"Loan Documents"). Original Lender assigned its rights to Wells Fargo Bank
Texas, National Association ("Lender") by that certain Assignment of Promissory
Note and Deed of Trust dated September 24, 2001 and recorded September 26, 2001
as Instrument No. D201235560, in the official records of Tarrant County, Texas.

Said Loan was modified by that certain First Modification Agreement dated August
31, 2001 and recorded October 3, 2001 as Instrument No. D201241021 ("First
Modification Agreement"), Second Letter Modification dated November 7, 2001
("Second Letter Modification Agreement"), Third Letter Modification dated
February 8, 2002 ("Third Letter Modification Agreement"), Fourth Letter
Modification Agreement dated March 19, 2002 ("Fourth Letter Modification
Agreement"), and Fifth Letter Modification dated May 22, 2002 ("Fifth Letter
Modification Agreement").

Borrower has requested, and Lender has agreed to modify and amend certain terms
and provisions of the Note, Loan Agreement and Loan Documents.

MODIFICATION OF LOAN DOCUMENTS. The Loan Documents are hereby supplemented and
modified to incorporate the following, which shall supersede and prevail over
any conflicting provisions of the Loan Documents.

      Amendment to Maturity Date: The Maturity Date as recited in the Note, Loan
      Agreement and Loan Documents: is hereby modified from September 30, 2002
      to December 15, 2002.

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      Amendment to Principal Repayment Schedule: Provided the Maturity Date of
      the Loan has been extended to the First Extended Maturity Date, commencing
      January 1, 2003, Borrower shall make monthly principal payments to Lender
      in the amount of Eighty Two Thousand Six Hundred and 00/100ths Dollars
      ($82,600.00) plus accrued interest. Principal payments shall be on the
      first day of each and every month. Principal payments are based on a
      straight line twenty-five (25) year monthly payment amortization schedule.

Lender's willingness to modify the Loan Documents is subject to the satisfaction
of the following conditions precedent:

      1.  Borrower shall deliver to Lender an unmodified, executed original of
          this Agreement;

      2.  The payment to Lender of a modification fee in the amount of $250.00;
          and

      3.  All payments due and owing to Lender under the Loan Documents have
          been paid current.

Except as amended herein, all other terms and conditions under each of the Loan
Documents shall remain unmodified and of full force and effect. Upon
satisfaction of the execution of this Agreement, the modification of the Loan
Documents shall be in effect.

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

            "LENDER"                                    "BORROWER"

WELLS FARGO BANK TEXAS,                        ACF INVESTMENT CORP.,
NATIONAL ASSOCIATION                           a Delaware corporation

By /s/ Stephen C. Melton                       By: /s/ Preston A. Miller
  -----------------------------------              -----------------------------
    Stephen C. Melton, Vice President               Preston A. Miller, EVP and
                                                    Treasurer<PAGE>

                                                                   Exhibit 10.80

                        Merrill Lynch Capital Canada Inc.

                                 181 Bay Street
                            Toronto, Ontario M5J 2V8

By FACSIMILE TRANSMISSION

AmeriCredit Financial Services of Canada Ltd.
One Robert Speck Parkway
Suite 1420
Mississauga, Ontario
L4Z 3M3

Attention:    Mr. Preston Miller
Facsimile No. (817) 302-7942

with a copy to:

AmeriCredit Corp.
801 Cherry Street
Suite 3900
Fort Worth, Texas
76102

Attention:    Michael May
Facsimile No. (817) 302-7915

         Re: Credit Agreement between AmeriCredit Financial Services
             of Canada Ltd. as Borrower, AmeriCredit Financial
             Services, Inc. as Custodian and Merrill Lynch Capital
             Canada Inc. as Lender, dated as of August 23, 2001, as
             amended by Amendment No. 1 dated as of November 12,
             2001 and by Amendment No. 2 dated as of February 1,
             2002 (collectively, the "Credit Agreement")

Pursuant to Section 3.8.1 of the Credit Agreement, the Lender hereby extends the
existing Maturity Date to August 22, 2003.

Dated as of July 22, 2002.

                                               MERRILL LYNCH CAPITAL CANADA INC.

                                               By: /s/
                                                  ------------------------
                                                  Authorized Signatory<PAGE>

                                                                     EXHIBIT 4.1

                                 LOAN AGREEMENT

         This Loan Agreement made and entered into this 30/th/ day of September
2002, by RETRACTABLE TECHNOLOGIES, INC., a Texas corporation with an office at
511 Lobo Lane, Little Elm, Texas 75068-0009, hereinafter referred to as
"Borrower," THOMAS J. SHAW, an individual whose mailing address is 1510
Hillcrest Drive, Little Elm, Texas 75068, hereinafter referred to as
"Guarantor," and KATIE PETROLEUM, INC., a Texas corporation with an office at
10325 Gaywood, Dallas, Texas 75229, hereinafter referred to as "Lender;"

                                    RECITALS

         1. Borrower is in the business of manufacturing retractable syringes,
used in the medical field, at a plant owned by it and located at 511 Lobo Lane,
Little Elm, Texas.

         2. Borrower has agreed to borrow from Lender and Lender has agreed to
loan to Borrower the sum of Three Million and NO/100 Dollars ($3,000,000.00),
said loan to be evidenced by a Promissory Note from Borrower, as Maker, to
Lender, as Payee, a copy of which is attached hereto as Exhibit "A" and made a
part hereof.

         For a valuable consideration received by each of the undersigned
parties to this Loan Agreement, it is hereby agreed as follows:

         1. Lender agrees upon the closing of this Loan Agreement to loan to
Borrower the sum of Three Million and NO/100 Dollars ($3,000,000.00) and
Borrower shall execute a Promissory Note to evidence such loan in the form
attached hereto as Exhibit "A", hereinafter referred to as the "Promissory
Note."

         2. While the Promissory Note is outstanding and unpaid, Lender shall
have the continuing right and option, upon written notice to Borrower, to
exchange all or any part of such indebtedness into the authorized common
capital stock of Borrower. The exchange ratio of debt to stock shall be one
share of Borrower's capital stock for each $4.00 of indebtedness exchanged by
Lender for such stock. The exchange ratio shall be adjusted up or down in the
event of a split or reverse split of Borrower's capital stock while Lender's
right and option to exchange debt for stock is in effect. Borrower agrees to
have available authorized but unissued shares of its capital stock while the
Promissory Note is outstanding and unpaid sufficient to enable Lender to issue
it capital stock to Lender upon the exercise of Lender's right and option to
convert debt into shares of Borrower's capital stock. The issuance of stock by
Borrower to Lender pursuant hereto shall be in compliance with applicable
federal and state securities laws.

         3. Borrower shall have the right and option to prepay without penalty
all or any part of the indebtedness represented by the Promissory Note upon
giving thirty (30) days written notice of intention to prepay all or part of
such indebtedness; provided, however, that Lender shall have during the thirty
(30) day notice period the right and option to convert all or any part of the
indebtedness into Borrower's capital stock at the exchange ratio stated in
Paragraph 2 next above.

         4. The officer of Borrower executing this Loan Agreement and the
Promissory Note has been duly authorized under the Bylaws of Borrower or by
appropriate corporate resolutions to execute on behalf of Borrower this Loan
Agreement and the Promissory Note.

         5. THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN
THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS,
OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL
AGREEMENTS BETWEEN THE PARTIES HERETO.

         6. THIS LOAN AGREEMENT SHALL BE SUBJECT TO AND CONSTRUED AND ENFORCED
IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS WITHOUT GIVING EFFECT TO ANY
CONFLICTS OF LAWS PRINCIPLES. IT IS LENDER'S INTENTION TO COMPLY FULLY WITH
TEXAS LAW, AND FEDERAL LAW AS APPLICABLE, REGULATING CREDIT TERMS, INTEREST,
FEES, CHARGES, EXPENSES, AND OTHER AMOUNTS.

<PAGE>

         7. The performance by Borrower of all of the obligations of Borrower
contained in this Loan Agreement is personally guaranteed by the Guarantor.

         8. This Loan Agreement shall be effective on September 30, 2002, and
closed on such date at a location mutually agreeable to the parties hereto.
The representations and warranties by Borrower and Guarantor contained in this
Loan Agreement shall survive the closing hereof.

         9. At the closing is this Loan Agreement, Borrower agrees to pay to
Lender an origination fee equal to one percent (1%) of the principal balance of
the Promissory Note and Borrower shall pay the legal fees incurred in connection
with the preparation of the loan documents

         EXECUTED in multiple original counterparts on the day and year first
above written.

LENDER:                                     BORROWER:

KATIE PETROLEUM, INC.                       RETRACTABLE TECHNOLOGIES, INC.

By:        /s/ John A. Jackson         By:          /s/ Thomas J. Shaw
   --------------------------------         -----------------------------------
               President                                  President

                                            GUARANTOR:

                                                        /s/ Thomas J. Shaw
                                                --------------------------------
                                                            Thomas J. Shaw

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