Document:

ex10-c_16

EXHIBIT 10(c)(16)

Amendment Sixteen to Insurance Processing Agreement

This document is Amendment Sixteen to the Insurance Processing Agreement,
made and entered into effective June 1, 1993, and amended by Amendment One
to Insurance Processing Agreement dated June 4, 1998; Amendment Two to
Insurance Processing Agreement dated September 25, 1998; Amendment Three to
Insurance Processing Agreement dated October 19, 1998; Amendment Four to
Insurance Processing Agreement dated December 15, 1998, Amendment Five to
Insurance Processing Agreement dated March 25, 1999, Amendment Six to
Insurance Processing Agreement dated May 10, 1999, Amendment Seven to
Insurance Processing Agreement dated June 24, 1999, Amendment Eight to
Insurance Processing Agreement dated August 5, 1999, Amendment Nine to
Insurance Processing Agreement dated October 1, 1999, Amendment Ten to
Insurance Processing Agreement dated January 31, 2000, Amendment Eleven to
Insurance Processing Agreement dated March 1, 2000, Amendment Twelve to
Insurance Processing Agreement dated April 19, 2000, Amendment Thirteen to
Insurance Processing Agreement dated July 31, 2000, Amendment Fourteen to
Insurance Processing Agreement dated September 25, 2000 and Amendment
Fifteen to Insurance Processing Agreement dated October 31, 2000, (the
“Agreement”), by and between American National Insurance Company (“American
National”) a Texas corporation, and Legacy Insurance Processing Group (“LMG”), a
California corporation.

      In consideration of mutual covenants
contained herein, the parties agree as follows:

	1.	 	“Section 6.1” of the Agreement is hereby deleted in
      its entirety and the following new Section 6.1 shall be substituted
      therefore:

       “Subject to termination as hereinafter
provided, this Agreement shall remain in force and effect until the close of
business on January 31, 2001, the term of this Agreement. This Agreement
may be renewed by mutual agreement for additional successive terms of one
(1) year unless terminated by either party by prior written notice to the
other at least one hundred eighty (180) days prior to the end of the
initial term or the renewal term.”

      Except as specifically amended hereby,
all terms and provisions of the Insurance Processing Agreement shall remain in
full force and effect.

IN WITNESS HEREOF, the parties hereto have executed this Agreement.

	 	 	 
	LEGACY MARKETING GROUP		AMERICAN NATIONAL INSURANCE
      COMPANY

	 	 	 	 	 	 	 
	By:		/s/ H. Lynn Stafford 		By: 		/s/ Kelly M. Collier
			
      

      				
      

    
	Title:		Chief Information Officer
		Title 		Vice President
			
      

      				
      

    
	Witness:		/s/ Stephanie Molteni 		Witness: 		/s/ Jynx Yucra
			
      

      				
      

    
	Date:		November 29, 2000 		Date: 		November 28, 2000ex10-c_17

EXHIBIT 10(c)(17)

Amendment Seventeen to Insurance Processing Agreement

This document is Amendment Seventeen to the Insurance Processing Agreement,
made and entered into effective June 1, 1993, and amended by Amendment One
to Insurance Processing Agreement dated June 4, 1998; Amendment Two to
Insurance Processing Agreement dated September 25, 1998; Amendment Three to
Insurance Processing Agreement dated October 19, 1998; Amendment Four to
Insurance Processing Agreement dated December 15, 1998, Amendment Five to
Insurance Processing Agreement dated March 25, 1999, Amendment Six to
Insurance Processing Agreement dated May 10, 1999, Amendment Seven to
Insurance Processing Agreement dated June 24, 1999, Amendment Eight to
Insurance Processing Agreement dated August 5, 1999, Amendment Nine to
Insurance Processing Agreement dated October 1, 1999, Amendment Ten to
Insurance Processing Agreement dated January 31, 2000, Amendment Eleven to
Insurance Processing Agreement dated March 1, 2000, Amendment Twelve to
Insurance Processing Agreement dated April 19, 2000, Amendment Thirteen to
Insurance Processing Agreement dated July 31, 2000, Amendment Fourteen to
Insurance Processing Agreement dated September 25, 2000, Amendment Fifteen
to Insurance Processing Agreement dated October 31, 2000, and Amendment
Sixteen to Insurance Processing Agreement dated November 29, 2000 (the
“Agreement”), by and between American National Insurance Company (“American
National”) a Texas corporation, and Legacy Insurance Processing Group (“LMG”), a
California corporation.

      In consideration of mutual covenants
contained herein, the parties agree as follows:

	2.	 	“Section 6.1” of the Agreement is hereby deleted in
      its entirety and the following new Section 6.1 shall be substituted
      therefore:

“Subject to termination as hereinafter provided, this Agreement shall remain
in force and effect until the close of business on March 31, 2001, the term
of this Agreement. This Agreement may be renewed by mutual agreement for
additional successive terms of one (1) year unless terminated by either
party by prior written notice to the other at least one hundred eighty
(180) days prior to the end of the initial term or the renewal term.”

      Except as specifically amended hereby,
all terms and provisions of the Insurance Processing Agreement shall remain in
full force and effect.

IN WITNESS HEREOF, the parties hereto have executed this Agreement.

	 	 	 
	LEGACY MARKETING GROUP		AMERICAN NATIONAL INSURANCE
      COMPANY

	 	 	 
	By: /s/ H. Lynn Stafford		By: /s/ Kelly M.
  Collier
	
      

      		
      

      
	Title: Chief Information Officer		Title: Vice President
	
      

      		
      

      
	Witness: /s/ Stephanie Molteni		Witness: /s/ Jynx
Yucra
	
      

      		
      

      
	Date: January 24, 2001		Date: January 22,
    2001<PAGE>   1
                                                                  EXECUTION COPY

                                SECOND AMENDMENT
                                       TO
                    FIFTH AMENDED AND RESTATED LOAN AGREEMENT

        THIS SECOND AMENDMENT TO FIFTH AMENDED AND RESTATED LOAN AGREEMENT (this
"Amendment") is made as of this 31st day of December, 2000 by and among
Metrocall, Inc., a Delaware corporation (the "Borrower"), the Lenders (as
defined in the Loan Agreement defined below) signatory hereto and Toronto
Dominion (Texas), Inc. (the "Administrative Agent" and collectively with the
Documentation Agent and the Co-Documentation Agent (each as defined in the Loan
Agreement defined below), the "Agents"), as administrative agent for the
Lenders.

                              W I T N E S S E T H:
                              - - - - - - - - - --

        WHEREAS, the Borrower, the Lenders and the Agents are all parties to
that certain Fifth Amended and Restated Loan Agreement dated as of March 17,
2000, as amended by that certain First Amendment thereto dated as of June 30,
2000 (the "Loan Agreement"); and

        WHEREAS, the Borrower has requested, and the Administrative Agent and
the Lenders have agreed, that, subject to the terms hereof, certain provisions
of the Loan Agreement be amended pursuant to this Amendment as more specifically
described below;

        NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements contained herein, and for other good and valuable consideration, the
receipt and sufficiency of which is acknowledged, the parties hereto agree that
all capitalized terms used herein which are not otherwise defined herein shall
have the meanings ascribed thereto in the Loan Agreement, and further agree as
follows:

        1.      Amendment to Article 5. Article 5 of the Loan Agreement, General
Covenants, is hereby amended by inserting the following new Section 5.17 at the
end of Article 5:

                        "Section 5.17 Principal Operating Accounts. The Borrower
        shall at all times maintain its principal operating accounts with the
        Administrative Agent, the Documentation Agent, the Co-Documentation
        Agent or the Syndication Agent."

        2.      Amendment to Article 6. Article 6 of the Loan Agreement,
Information Covenants, is hereby amended by inserting the following text at the
end of Article 6:

                        "Section 6.6 Monthly Subscriber Information. Within
        thirty (30) days after the last day of each calendar month, a
        certificate of the president or chief financial officer of the Borrower
        in form and substance satisfactory to the Administrative Agent

<PAGE>   2

        setting forth subscriber information for such calendar month, which
        information shall include but shall not be limited to core subscribers,
        advanced subscribers, the number of subscribers added and the number of
        subscribers dropped during such calendar month."

        3.      Amendment to Article 7.

                (a)     Amendment to Section 7.12. Section 7.12 of the Loan
Agreement, Operating Cash Flow to Net Cash Interest Expense Ratio, is hereby
amended by deleting the table contained therein and by substituting the
following table in lieu thereof:

<TABLE>
<CAPTION>
                                    "Period                                                   Ratio
                                     ------                                                   -----
                <S>                                                                         <C>
                October 1, 2000 through December 31, 2000                                   1.65 to 1.00

                January 1, 2001 through March 31, 2001                                      1.75 to 1.00

                April 1, 2001 through December 31, 2001                                     2.00 to 1.00

                January 1, 2002 and thereafter                                              2.25 to 1.00"
</TABLE>

                (b)     Amendment to Article 7. Article 7 of the Loan Agreement,
Negative Covenants, is hereby amended by inserting the following new Section
7.18, Accounts, at the end of Article 7:

                                "Section 7.18 Accounts. The Borrower shall not
                open any accounts of any kind (including, but not limited to,
                deposit accounts and investment accounts) with any Person;
                provided that the Borrower may open an account with a Person so
                long as the Borrower on or before the day such account is
                opened, shall execute and deliver to the Administrative Agent
                documentation in form and substance satisfactory to the
                Administrative Agent necessary to grant and perfect a first
                priority security interest in such account to the Administrative
                Agent for itself and on behalf of the Lenders."

        4.      Additional Advances. Notwithstanding any provisions of the Loan
Agreement to the contrary, the Borrower may not request (and the Lenders shall
not be obligated to fund) an Advance from and after the date hereof unless the
aggregate amount of cash balances (and Cash Equivalents) in its accounts is less
than or equal to $5,000,000 and the Borrower so certifies in its Request for
Advance for such Advance. Furthermore, the Borrower may not request (and the
Lenders shall have no obligation to fund) any Advance from the date hereof
through June 30, 2001 which would cause the aggregate principal amount of Loans
outstanding at any time to exceed $153,000,000; provided, further that the
Borrower may not request (and the Lenders shall have no obligation to fund) any
Advance from July 1, 2001 through December 31, 2001 which would cause the
aggregate principal amount of Loans outstanding at any time to exceed
$173,000,000. Notwithstanding any provision of the Loan Agreement to the
contrary, the

                                      -2-
<PAGE>   3

Borrower shall not use any Advances made on and after the date hereof for the
purposes of acquiring the assets or stock of another Person.

        5.      Strict Compliance. Except for the amendments set forth above,
the text of the Loan Agreement shall remain unchanged and in full force and
effect. The amendments agreed to herein shall not constitute a modification of
the Loan Agreement or a course of dealing with the Agents and the Lenders, or
any of them, at variance with the Loan Agreement such as to require further
notice by the Administrative Agent, the Lenders, the Majority Lenders, or any of
them, to require strict compliance with the terms of the Loan Agreement, as
amended by this Amendment, in the future.

        6.      Representations and Warranties. The Borrower hereby represents
and warrants to and in favor of the Administrative Agent and the Lenders as
follows:

                (a)     Each representation and warranty set forth in Article 4
of the Loan Agreement, as amended hereby, is hereby restated and affirmed as
true and correct in all material respects as of the date hereof, except to the
extent previously fulfilled in accordance with the terms of the Loan Agreement,
as amended hereby, and to the extent relating specifically to the Agreement Date
or otherwise inapplicable;

                (b)     The Borrower has the corporate power and authority (i)
to enter into this Amendment and (ii) to do all acts and things as are required
or contemplated hereunder to be done, observed and performed by it;

                (c)     This Amendment has been duly authorized, validly
executed and delivered by one or more Authorized Signatories of the Borrower,
and each of this Amendment and the Loan Agreement as amended hereby constitutes
the legal, valid and binding obligations of the Borrower, enforceable against
the Borrower in accordance with its terms, subject, as to enforcement of
remedies, to the following qualifications: (i) an order of specific performance
and an injunction are discretionary remedies and, in particular, may not be
available where damages are considered an adequate remedy at law and (ii)
enforcement may be limited by bankruptcy, insolvency, liquidation,
reorganization, reconstruction and other similar laws affecting enforcement of
creditors' rights generally (insofar as any such law relates to the bankruptcy,
insolvency or similar event of the Borrower); and

                (d)     The execution and delivery of this Amendment and
performance by the Borrower under the Loan Agreement, as amended hereby, does
not and will not require the consent or approval of any regulatory authority or
governmental authority or agency having jurisdiction over the Borrower which has
not already been obtained, nor be in contravention of or in conflict with the
Certificate of Incorporation or By-Laws of the Borrower, or any provision of any
statute, judgment, order, indenture, instrument, agreement, or undertaking, to
which the Borrower is party or by which the Borrower's assets or properties are
bound.

                                      -3-
<PAGE>   4

        7.      Conditions Precedent to Effectiveness of this Amendment. The
effectiveness of this Amendment is subject to:

                (a)     all of the representations and warranties of the
Borrower under Section 6 hereof which are made as of the date hereof, being true
and correct in all material respects;

                (b)     receipt by the Administrative Agent, on behalf of the
Lenders executing and delivering this Amendment, of an amendment fee in the
amount of 0.250% of the sum of (i) the aggregate outstanding Loans (other than
the outstanding Facility A Loans) of such Lenders and (ii) the Facility A
Commitments of such Lenders (such sum, the "Amendment Fee"), which Amendment Fee
shall be fully earned when due and non-refundable when paid; and

                (c)     receipt by the Administrative Agent from the Borrower of
a list in form and substance satisfactory to the Administrative Agent setting
forth the name, location and cash balance of each account of the Borrower with
any Person.

        8.      Counterparts. This Amendment may be executed in multiple
counterparts, each of which shall be deemed to be an original and all of which
when taken together shall constitute one and the same agreement.

        9.      Law of Contract. This Amendment shall be deemed to be made
pursuant to the laws of the State of New York and shall be construed,
interpreted, performed and enforced in accordance therewith.

        10.     Loan Document. This Amendment shall constitute a Loan Document.

                [REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK]

                                      -4-
<PAGE>   5

        IN WITNESS WHEREOF, the parties hereto have caused their respective duly
authorized officers or representatives to execute and deliver this Amendment all
as of the day and year first above written.

BORROWER:                     METROCALL, INC., a Delaware corporation

                              By: /s/ Vincent D. Kelly
                                                      --------------------------
                                  Name: Vincent D. Kelly
                                                        ------------------------
                                  Title: Chief Financial Officer
                                                                ----------------

<PAGE>   6

ADMINISTRATIVE AGENT
AND LENDERS:                 TORONTO DOMINION (TEXAS), INC., as
                             Administrative Agent and a Lender

                             By: /s/ Jeffery R. Lentz
                                                      --------------------------
                                  Name: Jeffery R. Lentz
                                                        ------------------------
                                  Title: Vice President
                                                       -------------------------

<PAGE>   7

                                 BANK OF AMERICA, N.A., as a Lender

                                 By: /s/ Brian D. Corum
                                                       -------------------------
                                      Name: Brian D. Corum
                                                          ----------------------
                                      Title: Managing Director
                                                              ------------------

<PAGE>   8

                              FIRST UNION NATIONAL BANK, as a Lender

                              By:  /s/ Brand Hosford
                                   ---------------------------------------------
                                   Name: C. Brand Hosford
                                                         -----------------------
                                   Title: Vice President
                                                        ------------------------

<PAGE>   9

                                FLEET NATIONAL BANK, as a Lender

                                By:
                                   ---------------------------------------------
                                   Name:
                                          --------------------------------------
                                   Title:
                                          --------------------------------------

<PAGE>   10

                                COMMERCIAL LOAN FUNDING TRUST I, as a Lender
                                By: Lehman Commercial Paper, Inc., not in its
                                individual capacity but solely as administrative
                                agent

                                By:   G. Andrew Keith
                                   ---------------------------------------------
                                     Name: G. Andrew Keith
                                                          ----------------------
                                     Title: Authorized Signatory
                                                                ----------------

<PAGE>   11

                            KZH CNC LLC, as a Lender

                            By:   /s/ Peter Chin
                                 -----------------------------------------------
                                 Name: Peter Chin
                                                 -------------------------------
                                 Title: Authorized Agent
                                                        ------------------------

<PAGE>   12

                         MORGAN STANLEY SENIOR FUNDING, INC.,
                         as a Lender

                         By:   /s/ T. Morgan Edwards II
                              --------------------------------------------------
                              Name: T. Morgan Edwards II
                                                        ------------------------
                              Title: Vice President
                                                   -----------------------------

<PAGE>   13

                          PNC BANK, NATIONAL ASSOCIATION, as a Lender

                          By:/s/ Keith R. White
                             ---------------------------------------------------
                             Name: Keith R. White
                                                   -----------------------------
                             Title: Vice President
                                                   -----------------------------

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