Document:

<PAGE>
                                                                  Exhibit 10.164

                           RAMSAY YOUTH SERVICES, INC.
                                 Columbus Center
                               One Alhambra Plaza
                                    Suite 750
                           Coral Gables, Florida 33134

                                February 24, 2003

Ms. Isabel M. Diaz
c/o Ramsay Youth Services, Inc.
Columbus Center
One Alhambra Plaza
Suite 750
Coral Gables, Florida  33134

Dear Isa:

         In consideration of your past service to Ramsay Youth Services, Inc.
(the "Company"), and in order to induce you to continue to serve in the employ
of the Company as hereinafter provided, the Company has agreed with you as
follows:

         1. You and the Company have entered into a letter agreement relating to
your employment with the Company dated October 1, 1997, as amended by letter
dated July 30, 2002 (as so amended, the "Employment Agreement"). The Company
agrees to continue to employ you, and you agree to continue to serve in the
employ of the Company, on the terms set forth in the Employment Agreement and
this letter.

         2. The Company agrees to pay to you on the date (the "Retention Date")
of a Change in Control (as hereinafter defined) of the Company a bonus (the
"Retention Bonus") in the amount of twelve (12) months' salary (determined using
your monthly rate of salary in effect on the date hereof) if you continue in the
employment of the Company until the Retention Date. The Retention Bonus shall be
paid to you by the Company in a cash lump sum (less applicable withholding
taxes) on the Retention Date. The Retention Bonus shall not be payable unless
and until a Change of Control shall have occurred.

         3. The Employment Agreement shall automatically terminate, without
further obligations on the part of you or the Company (except as provided in the
next sentence), upon payment to you of the Retention Bonus. If your employment
with the Company shall terminate within one (1) year following the Retention
Date, the restrictions set forth in the Employment Agreement under the heading
"Competition" shall be effective from the date of

<PAGE>
                                                                               2

termination of your employment until the first anniversary of the Retention Date
(and such restrictions shall not apply if your employment with the Company shall
terminate on or after the first anniversary of the Retention Date).

         4. For purposes of this Agreement, a Change in Control of the Company
shall be deemed to have occurred if:

                           (a)      a "person" (meaning an individual, a
partnership, or other group or association as defined in Sections 13(d) and
14(d) of the Securities Exchange Act of 1934) (a "Person"), other than
affiliates of Paul J. Ramsay (the "Affiliates"), acquires more than fifty
percent (50%) of the combined voting power of the outstanding securities of the
Company having a right to vote in elections of directors; or

                           (b)      Continuing Directors (as hereinafter
defined) shall for any reason cease to constitute a majority of the Board of
Directors of the Company; or

                           (c)      all or substantially all of the business of
the Company is disposed of by the Company to a party or parties other than a
subsidiary or other affiliate of the Company, in which the Company owns less
than a majority of the equity, pursuant to a partial or complete liquidation of
the Company, sale of assets (including stock of a subsidiary of the Company) or
otherwise. For purposes hereof, a sale or disposition of fifty percent (50%) or
more of the assets of the Company to a party or parties (other than a subsidiary
or affiliate of the Company as above described) shall be deemed a disposition of
substantially all of the business of the Company.

         For purposes of this Agreement, the term "Continuing Director" shall
mean a member of the Board of Directors of the Company who either was a member
of the Board of Directors on the date hereof or who subsequently became a
Director and whose election was voted for by the Affiliates or by a Continuing
Director with the acquiescence of the Affiliates. A Director shall not be
considered a Continuing Director for purposes of this Agreement if his election
was voted for by the Affiliates, or by a Continuing Director with the
acquiescence of the Affiliates, (i) pursuant to an agreement with, or at the
direction, request or suggestion of, any individual, firm or corporation in
connection with the purchase or other acquisition or receipt by such individual,
firm or corporation of all or any shares of capital stock of the Company or (ii)
in anticipation of the sale or other disposition by the Affiliates of all or any
of the shares of capital stock of the Company beneficially owned by the
Affiliates.

         5. The obligation of the Company to pay you the Retention Bonus shall
be subject to your execution and delivery of the Release in the form attached
hereto as Exhibit A.

         6. Any provision of this Agreement to the contrary notwithstanding,
your employment by the Company may be terminated at any time prior to a Change
in Control by either you or the Company, subject to the terms of the Employment
Agreement; provided, however, that in the event that a person (as hereinabove
defined), other than one or more of the Affiliates:

                           (a)      begins a tender or exchange offer for more
than fifty percent (50%) of the combined voting power of the outstanding
securities of the Company having a right to vote in elections of directors, or

<PAGE>
                                                                               3

                           (b)      circulates a proxy to stockholders of the
Company or takes other steps seeking to effect a Change in Control,

the Company agrees to continue to employ you in your then current position at
your then current salary and otherwise on the then current terms of your
employment until such tender or exchange offer, or attempt to effect a Change in
Control, has been abandoned or terminated or until a Change in Control has
occurred.

         7. This agreement shall be deemed a contract made under, and for all
purposes shall be construed in accordance with, the laws of the State of Florida
applicable to contracts to be performed entirely within such State.

         8. This agreement and the Employment Agreement contain all the
understandings and representations between the parties hereto pertaining to the
subject matter hereof.

         9. No provision of this agreement may be amended or modified unless
such amendment or modification is agreed to in writing and signed by you and by
a duly authorized representative of the Company.

         10. Anything to the contrary notwithstanding, all payments required to
be made by the Company hereunder shall be subject to withholding of such amounts
relating to taxes as the Company may reasonably determine it should withhold
pursuant to any applicable law or regulation.

         11. This agreement shall terminate upon the first to occur of a Change
in Control or December 31, 2004.

                                      * * *

<PAGE>
                                                                               4

         Please indicate your acceptance of and agreement with the foregoing by
signing and returning this agreement to the Company, whereupon this shall
constitute a binding agreement between you and the Company.

                                      Very truly yours,

                                      RAMSAY YOUTH SERVICES, INC.

                                      By /s/Luis E. Lamela
                                        ------------------------------
                                        Luis E. Lamela
                                        President and Chief Executive Officer
Accepted and Agreed:

/s/Isabel M. Diaz
------------------------------
     Isabel M. Diaz

<PAGE>

                                                                       EXHIBIT A

                                EMPLOYEE RELEASE

                  In consideration of the payment to the undersigned by Ramsay
Youth Services, Inc. (the "Company") of the Retention Bonus (as such term is
defined in the letter agreement (the "Agreement") dated February 24, 2003
between the undersigned and the Company), which payment constitutes
consideration being provided to the undersigned for the execution of this
Release and to which the undersigned is not already entitled, the undersigned
hereby releases the Company and its subsidiary and other affiliated
corporations, and its and their respective officers, directors, employees and
stockholders (collectively, the "Releasees"), from all claims, actions, causes
of action, suits, debts, dues, sums of money, accounts, covenants, contracts,
controversies, agreements, promises, damages, judgments, executions and demands
whatsoever, in law or equity, including, without limitation, all claims and
rights arising under the Age Discrimination in Employment Act, 29 U.S.C. ss.621,
ET SEQ., which the undersigned ever had, now has or hereafter can, shall or may
have against the Releasees or any of them arising out of or relating to the
undersigned's employment with the Company and the termination of such
employment, except as set forth in the Agreement. The undersigned agrees never
directly or indirectly to commence or prosecute, or assist in the filing,
commencement or prosecution of any action, proceeding or charge against the
Releasees or any of them arising out of or relating to the undersigned's
employment with the Company and the termination of such employment.

                  The undersigned represents that the undersigned has been
advised to consult with an attorney prior to executing this Release. The
undersigned acknowledges that the undersigned has been given a period of at
least twenty-one days to consider this Release. For a period of seven days
following the execution of this Release by the undersigned, the undersigned may
revoke this Release and this Release shall not become effective or enforceable
until such seven-day period has expired.

                                                Date:                  ,

                                                ----------------------------
                                                [                     ]<PAGE>
                                                                  Exhibit 10.165

                                                               EXECUTION VERSION

                 TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT

         This Tenth Amendment to Loan and Security Agreement (this "TENTH
AMENDMENT") is entered into as of the 13th day of March 2003, but effective as
of December 31, 2002 between RAMSAY YOUTH SERVICES, INC., a Delaware
corporation, f/k/a RAMSAY HEALTH CARE, INC. ("HOLDINGS"), with its principal
place of business at Columbus Center, One Alhambra Plaza, Suite 750, Coral
Gables, Florida 33134, each of the Subsidiaries of Holdings party to this Tenth
Amendment and listed in EXHIBIT B to the Loan and Security Agreement (the
"HOLDINGS SUBSIDIARIES"), each of which is a corporation or other legal entity
as indicated in EXHIBIT B, is organized under the laws of the jurisdiction
indicated in EXHIBIT B, and has its principal place of business at the location
indicated in EXHIBIT B (Holdings, the Holdings Subsidiaries, and each other
Subsidiary of Holdings or of any Subsidiary of Holdings from time to time party
to the Loan and Security Agreement referred to below are hereinafter
collectively referred to as "BORROWERS" and each individually as a "BORROWER"),
and FLEET CAPITAL CORPORATION, a Rhode Island corporation (in its individual
capacity, "FCC"), with offices at 5950 Sherry Lane, Suite 300, Dallas, Texas
75225, as a Lender, and as agent for all Lenders, in such capacity, "AGENT"),
and such Persons who are or hereafter become parties to the Loan and Security
Agreement as a Lender. Capitalized terms used but not defined in this Tenth
Amendment have the meanings assigned to them in Appendix A of that certain Loan
and Security Agreement dated October 30, 1998, among Borrowers, Lenders and
Agent, as amended (the "LOAN AND SECURITY AGREEMENT").

                              W I T N E S S E T H:

         WHEREAS, the Borrowers have requested that Agent and Lenders amend the
Loan and Security Agreement in certain respects; and

         WHEREAS, subject to the terms and conditions herein contained, Agent
and Lenders have agreed to the Borrowers' request and hereby amend the Loan and
Security Agreement as set forth in this Tenth Amendment.

         NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements herein contained and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged and confessed,
Borrowers, Agent and Lenders hereby agree as follows:

SECTION 1. Subject to the satisfaction or waiver in writing of each condition
precedent set forth in SECTION 2 hereof and in reliance on the representations,
warranties, covenants and agreements contained in this Tenth Amendment, the Loan
and Security Agreement shall be amended in the manner provided in this
SECTION 1:

         1.1 AMENDMENT TO AUDIT AND APPRAISAL FEES. SECTION 2.5 of the Loan and
Security Agreement shall be and is hereby amended in its entirety to read as
follows:

<PAGE>

                  2.5 AUDIT AND APPRAISAL FEES. BORROWER SHALL PAY TO AGENT ITS
         STANDARD AUDIT FEES (CURRENTLY $850 PER DIEM PER AUDITOR) AND ANY
         REASONABLE OUT-OF-POCKET EXPENSES INCURRED IN CONNECTION WITH AUDITS OF
         BORROWER'S BOOKS AND RECORDS AND SUCH OTHER MATTERS AS AGENT SHALL DEEM
         APPROPRIATE, PLUS BORROWER SHALL PAY TO AGENT ALL REASONABLE
         OUT-OF-POCKET EXPENSES AND APPRAISAL FEES INCURRED BY AGENT IN
         CONNECTION WITH APPRAISALS OF THE COLLATERAL AND SUCH OTHER PROPERTY OF
         BORROWERS AND THEIR SUBSIDIARIES AS AGENT SHALL DEEM APPROPRIATE.

         1.2 AMENDMENT TO EXCESS CASH FLOW RECAPTURE. SUBSECTION 3.3.2 of the
Loan and Security Agreement is hereby deleted in its entirety.

         1.3 AMENDMENT TO TERM OF AGREEMENT. SECTION 4.1 of the Loan and
Security Agreement shall be and is hereby amended in its entirety to read as
follows:

                  4.1 TERM OF AGREEMENT. SUBJECT TO AGENT'S AND LENDERS' RIGHT
         TO CEASE MAKING LOANS TO BORROWER AFTER THE OCCURRENCE, AND DURING THE
         CONTINUATION, OF ANY DEFAULT OR EVENT OF DEFAULT, THIS AGREEMENT SHALL
         BE IN EFFECT THROUGH AND INCLUDING OCTOBER 29, 2004.

         1.4 TOTAL INDEBTEDNESS. SUBSECTION 8.2.3 of the Loan and Security
Agreement is hereby amended by deleting the word "and" at the end of clause
(xi), inserting the following as a new clause (xii), changing existing clause
(xii) to clause (xiii) and amending and restating such clause to read in its
entirety as follows:

                  (XII) INDEBTEDNESS WITH RESPECT TO INTEREST RATE AGREEMENTS
         PERMITTED UNDER SUBSECTION 8.2.15; AND

                  (XIII) INDEBTEDNESS NOT INCLUDED IN PARAGRAPHS (I) THROUGH
         (XII) ABOVE WHICH BY ITS TERMS IS UNSECURED AND DOES NOT EXCEED AT ANY
         TIME, IN THE AGGREGATE, THE SUM OF FIVE HUNDRED THOUSAND DOLLARS
         ($500,000).

         1.5 CAPITAL EXPENDITURES. SUBSECTION 8.2.9 of the Loan and Security
Agreement shall be and is hereby amended in its entirety to read as follows:

                  8.2.9 CAPITAL EXPENDITURES. MAKE CAPITAL EXPENDITURES
         (INCLUDING, BY WAY OF CAPITALIZED LEASE OBLIGATIONS) WHICH, IN THE
         AGGREGATE, AS TO HOLDINGS AND ITS SUBSIDIARIES, ON A CONSOLIDATED
         BASIS, EXCEED $4,000,000 DURING ANY CALENDAR YEAR ENDING ON OR AFTER
         DECEMBER 31, 2003.

         1.6 AMENDED DEFINITION. APPENDIX A of the Loan and Security Agreement
shall be and is hereby amended by amending the definitions of "Commitment
Termination Date" and "Obligations" to read in their entirety as follows:

                  COMMITMENT TERMINATION DATE - THE EARLIEST OF (I) OCTOBER 29,
         2004, (II) THE DATE OF TERMINATION OF THE COMMITMENT TO MAKE FURTHER
         REVOLVING CREDIT LOANS PURSUANT TO SECTION 4.2, AND (III) THE DATE OF
         TERMINATION OF THE COMMITMENT TO MAKE FURTHER REVOLVING CREDIT LOANS
         PURSUANT TO SECTION 10.2.

                                     Page 2
<PAGE>

                  OBLIGATIONS - ALL LOANS AND ALL OTHER ADVANCES, DEBTS,
         LIABILITIES, OBLIGATIONS, COVENANTS AND DUTIES INCLUDING, WITHOUT
         LIMITATION, ALL REIMBURSEMENT OBLIGATIONS TO BANK, AGENT AND LENDERS
         WITH RESPECT TO LETTERS OF CREDIT AND LC GUARANTIES AND ALL OTHER
         OBLIGATIONS OF THE LOAN PARTIES TO AGENT, LENDER, THE BANK AND ANY
         AFFILIATE OF LENDER (INCLUDING OBLIGATIONS WITH RESPECT TO INTEREST
         RATE AGREEMENTS), TOGETHER WITH ALL INTEREST, FEES AND OTHER CHARGES
         THEREON, OWING, ARISING, DUE OR PAYABLE FROM THE BORROWERS TO AGENT
         AND/OR LENDERS OF ANY KIND OR NATURE, PRESENT OR FUTURE, WHETHER OR NOT
         EVIDENCED BY ANY NOTE, GUARANTY OR OTHER INSTRUMENT, WHETHER ARISING
         UNDER THE AGREEMENT OR ANY OF THE OTHER LOAN DOCUMENTS OR OTHERWISE
         WHETHER DIRECT OR INDIRECT (INCLUDING THOSE ACQUIRED BY ASSIGNMENT),
         ABSOLUTE OR CONTINGENT, PRIMARY OR SECONDARY, DUE OR TO BECOME DUE, NOW
         EXISTING OR HEREAFTER ARISING AND HOWEVER ACQUIRED.

         1.7 ADDITIONAL DEFINITIONS. APPENDIX A of the Loan and Security
Agreement shall be and is hereby amended by adding the following definitions to
such Appendix:

                  INTEREST RATE AGREEMENT - ANY INTEREST RATE SWAP AGREEMENT,
         INTEREST RATE CAP AGREEMENT, INTEREST RATE COLLAR AGREEMENT, INTEREST
         RATE HEDGING AGREEMENT OR OTHER SIMILAR AGREEMENT OR ARRANGEMENT, EACH
         OF WHICH IS FOR THE PURPOSE OF HEDGING THE INTEREST RATE EXPOSURE
         ASSOCIATED WITH BORROWERS AND THEIR SUBSIDIARIES' OPERATIONS AND NOT
         FOR SPECULATIVE PURPOSES.

                  TENTH AMENDMENT - THAT CERTAIN TENTH AMENDMENT TO LOAN AND
         SECURITY AGREEMENT DATED AS OF MARCH 13, 2003 BUT EFFECTIVE AS OF
         DECEMBER 31, 2002 AMONG BORROWERS, AGENT AND LENDERS.

                  TENTH AMENDMENT EFFECTIVE DATE - DECEMBER 31, 2002; PROVIDED,
         THE TENTH AMENDMENT BECOMES EFFECTIVE PURSUANT TO SECTION 2 OF THE
         TENTH AMENDMENT

         1.8 DELETED DEFINITION. APPENDIX A of the Loan and Security Agreement
shall be and is hereby amended by deleting the definition of Excess Cash Flow
from such Appendix.

         1.9 AMENDMENT TO EXHIBITS. Exhibits A-1, A-2, B and L to the Loan and
Security Agreement shall be and are hereby amended in their entirety by
substituting Exhibits A-1, A-2, B and L attached hereto for such Exhibits.

         1.10 REPLACEMENT OF TERM NOTE AND ACQUISITION NOTE. On the date hereof,
the Borrowers shall execute and deliver to Lender a replacement Term Note and a
replacement Acquisition Note in the forms attached hereto as Exhibit A-1 and
A-2, respectively, dated as of the date hereof, against the delivery by Lender
to Borrowers of the originals of the Term Note and Acquisition Note in effect
immediately prior to the date hereof marked "Replaced". Upon delivery, the Term
Note and the Acquisition Note dated the date hereof shall be the "Term Note" and
the "Acquisition Note", respectively, referred to in the Loan and Security
Agreement and the other Loan Documents.

         SECTION 2. CONDITIONS PRECEDENT TO EFFECTIVENESS OF AMENDMENTS. The
amendments to the Loan Agreement contained in SECTION 1 of this Tenth Amendment
shall be effective only upon the satisfaction of each of the conditions set
forth in this SECTION 2. If each

                                     Page 3
<PAGE>

condition set forth in this SECTION 2 has not been satisfied by March 20, 2003,
this Tenth Amendment and all obligations of Lenders contained herein shall, at
the option of Lenders, terminate.

         2.1 DOCUMENTATION. Agent and Lenders shall have received, in form and
substance acceptable to Agent and Lenders and their counsel, a duly executed
copy of this Tenth Amendment, executed originals of the replacement Term Note
and Acquisition Note referred to in Section 1.9 hereof and any other documents,
instruments and certificates as Agent and Lenders and their counsel shall
require in connection therewith prior to the date hereof, all in form and
substance satisfactory to Agent and Lenders and their counsel.

         2.2 CORPORATE EXISTENCE AND AUTHORITY. Agent and Lenders shall have
received such resolutions, certificates and other documents as Agent and Lenders
shall request relative to the authorization, execution and delivery by each Loan
Party of this Tenth Amendment, including, but not limited to the following:

                  1.       Company General Certificate for each Loan Party;

                  2.       Copy of Resolutions of each Loan Party, authorizing
                           the execution of the Tenth Amendment and any other
                           documents required by Section 3.1 hereof; and

                  3.       Good Standing Certificates for each Loan Party from
                           its state of incorporation.

         2.3 NO DEFAULT. No Default or Event of Default shall exist.

         2.4 NO LITIGATION. No action, proceeding, investigation, regulation or
legislation shall have been instituted, threatened or proposed before any court,
governmental agency or legislative body to enjoin, restrain or prohibit, or to
obtain damages in respect of, or which is related to or arises out of this Tenth
Amendment, the Loan and Security Agreement or the consummation of the
transactions contemplated hereby.

         2.5 FEE. Borrowers shall have paid to Agent an extension fee of
$30,000.

         SECTION 3. REPRESENTATIONS AND WARRANTIES OF BORROWERS. To induce Agent
and Lenders to enter into this Tenth Amendment, each Loan Party hereby
represents and warrants to Agent and Lenders as follows:

         3.1 REAFFIRMATION OF REPRESENTATIONS AND WARRANTIES. Each
representation and warranty of any Loan Party contained in the Loan and Security
Agreement and the other Loan Documents, as amended hereby, is true and correct
on the date hereof and will be true and correct after giving effect to the
amendments set forth in SECTION 1 hereof.

         3.2 NO OUTSTANDING JUNIOR SUBORDINATED DEBT OR PREFERRED STOCK. As of
the date hereof, there is no outstanding Indebtedness with respect to the Junior
Subordinated Debt Documents and no Preferred Stock is outstanding.

                                     Page 4
<PAGE>

         3.3 CORPORATE AUTHORITY; NO CONFLICTS. The execution, delivery and
performance by each Borrower of this Tenth Amendment and all documents,
instruments and agreements contemplated herein are within each Borrower's
respective corporate powers, have been duly authorized by necessary action,
require no action by or in respect of, or filing with, any court or agency of
government and do not violate or constitute a default under any provision of
applicable Law or any material agreement binding upon any Loan Party or result
in the creation or imposition of any Lien upon any of the assets of any Loan
Party except as permitted in the Loan and Security Agreement, as amended hereby.

         3.4 ENFORCEABILITY. This Tenth Amendment constitutes the valid and
binding obligation of each of the Borrowers enforceable in accordance with its
terms, except as (i) the enforceability thereof may be limited by bankruptcy,
insolvency or similar laws affecting creditors' rights generally, and (ii) the
availability of equitable remedies may be limited by equitable principles of
general application.

         3.5 NO DEFENSES. No Loan Party has any defenses to payment,
counterclaims or rights of set off with respect to the Obligations.

         SECTION 4. MISCELLANEOUS.

         4.1 REAFFIRMATION OF LOAN DOCUMENTS; EXTENSION OF LIENS; MORTGAGE
AMENDMENTS. Any and all of the terms and provisions of the Loan and Security
Agreement and the Loan Documents shall, except as amended and modified hereby,
remain in full force and effect. Borrowers hereby extend the Liens securing the
Obligations until the Obligations have been paid in full, and agree that the
amendments and modifications herein contained shall in no manner affect or
impair the Obligations or the Liens securing the payment and performance
thereof. Within thirty (30) days of the Tenth Amendment Effective Date,
Borrowers shall and shall cause each of their Subsidiaries to execute and
deliver to Agent amendments of each Mortgage securing the Obligations evidencing
the extension of the Term of the Loan and Security Agreement and such other
matters as Agent shall deem appropriate.

         4.2 PARTIES IN INTEREST. All of the terms and provisions of this Tenth
Amendment shall bind and inure to the benefit of the parties hereto and their
respective successors and assigns.

         4.3 LEGAL EXPENSES. The Borrowers hereby agree to pay promptly
following receipt of an invoice detailing all reasonable fees and expenses of
counsel to Agent and Lenders incurred by Agent or any Lender, in connection with
the preparation, negotiation and execution of this Tenth Amendment and all
related documents.

         4.4 COMPLETE AGREEMENT. THIS TENTH AMENDMENT, THE LOAN AND SECURITY
AGREEMENT AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE
PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR
ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN
THE PARTIES.

                                     Page 5
<PAGE>

         4.5 HEADINGS. The headings, captions and arrangements used in this
Tenth Amendment are, unless specified otherwise, for convenience only and shall
not be deemed to limit, amplify or modify the terms of this Tenth Amendment, nor
affect the meaning thereof.

                            (SIGNATURE PAGES FOLLOW)

<PAGE>

TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT - SIGNATURE PAGE
DALLAS 1248562

         IN WITNESS WHEREOF, the parties hereto have caused this Tenth Amendment
to be duly executed by their respective authorized officers on the date and year
first above written.

BORROWERS:

RAMSAY YOUTH SERVICES, INC.

By: /s/Jorge Rico
   ---------------------------------
Name:    Jorge Rico
Title:   Vice President

BOUNTIFUL PSYCHIATRIC HOSPITAL, INC.
EAST CAROLINA PSYCHIATRIC SERVICES CORPORATION
GREAT PLAINS HOSPITAL, INC.
GULF COAST TREATMENT CENTER, INC.
HAVENWYCK HOSPITAL, INC.
H. C. CORPORATION
HSA HILL CREST CORPORATION
HSA OF OKLAHOMA, INC.
MICHIGAN PSYCHIATRIC SERVICES, INC.
RAMSAY TREATMENT SERVICES, INC.
       f/k/a RAMSAY EDUCATIONAL SERVICES, INC.
RAMSAY MANAGED CARE, INC.
RAMSAY YOUTH SERVICES OF ALABAMA, INC.
RAMSAY YOUTH SERVICES OF FLORIDA, INC.
RAMSAY YOUTH SERVICES OF SOUTH CAROLINA, INC.
RHCI SAN ANTONIO, INC.
TRANSITIONAL CARE VENTURES, INC.
TRANSITIONAL CARE VENTURES (TEXAS), INC.

By: /s/Jorge Rico
   ---------------------------------
Name:    Jorge Rico
Title:   Vice President

H. C. PARTNERSHIP
By:  H.C. CORPORATION, General Partner
By:  HSA HILL CREST CORPORATION, General Partner

      By: /s/Jorge Rico
         ---------------------------------
      Name:       Jorge Rico
      Title:      Vice President

                                     Page 6
<PAGE>

AGENT AND LENDERS:

FLEET CAPITAL CORPORATION
("Agent" and a "Lender")

By: /s/Dennis M. Hansen
   ---------------------------------
Name:  Dennis M. Hansen
Title:   Vice President

                                     Page 7
<PAGE>

                            CONSENT AND REAFFIRMATION

       The undersigned (each a "GUARANTOR") hereby (i) acknowledges receipt of a
copy of the foregoing Tenth Amendment to Loan and Security Agreement (the "TENTH
AMENDMENT"); (ii) consents to Borrowers' execution and delivery thereof; (iii)
agrees to be bound thereby; and (iv) affirms that nothing contained therein
shall modify in any respect whatsoever its guaranty of the obligations of the
Borrowers to Lenders pursuant to the terms of its Guaranty in favor of Agent and
the Lenders (the "GUARANTY") and reaffirms that the Guaranty is and shall
continue to remain in full force and effect. Although Guarantor has been
informed of the matters set forth herein and has acknowledged and agreed to
same, Guarantor understands that the Lenders have no obligation to inform
Guarantor of such matters in the future or to seek Guarantor's acknowledgment or
agreement to future amendments or waivers, and nothing herein shall create such
duty.

       IN WITNESS WHEREOF, the undersigned has executed this Consent and
Reaffirmation on and as of the date of the Tenth Amendment.

GUARANTOR:

RAMSAY YOUTH SERVICES OF GEORGIA, INC.

By: /s/Jorge Rico
   ---------------------------------
Name:    Jorge Rico
Title: Vice President

RAMSAY YOUTH SERVICES PUERTO RICO, INC.

By: /s/Jorge Rico
   ---------------------------------
Name:    Jorge Rico
Title: Vice President

                                     Page 7
<PAGE>

TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT - EXHIBITS

                                   EXHIBIT A-1

                             SECURED PROMISSORY NOTE

                                   (Term Note)

$_____________                               Dated as of March [__], 2003 to be
                                               effective as of December 31, 2002
                                                                   Dallas, Texas

         FOR VALUE RECEIVED, each of the undersigned, jointly and severally,
(hereinafter collectively referred to as "Borrower", and each individually, a
"Borrower"), hereby promises to pay to the order of Fleet Capital Corporation, a
Rhode Island corporation (hereinafter "Lender"), or its registered assigns at
the office of Fleet Capital Corporation, as agent for such Lender, or at such
other place in the United States of America as the holder of this Note may
designate from time to time in writing, in lawful money of the United States, in
immediately available funds, at the time of payment, the principal sum of
_________________Dollars ($________), together with interest from and after the
date hereof on the unpaid principal balance outstanding from time to time.

         This Secured Promissory Note (the "Note") is one of the Term Notes
referred to in, and is issued pursuant to, that certain Loan and Security
Agreement dated as of October 30, 1998, by and among Borrowers, the Lender
signatories thereto (including Lender) and Fleet Capital Corporation ("FCC") as
Agent for said Lender (FCC in such capacity, "Agent") (hereinafter, as amended
from time to time, the "Loan Agreement"), and is entitled to all of the benefits
and security of the Loan Agreement. All of the terms, covenants and conditions
of the Loan Agreement and the Security Documents are hereby made a part of this
Note and are deemed incorporated herein in full. All capitalized terms used
herein, unless otherwise specifically defined in this Note, shall have the
meanings ascribed to them in the Loan Agreement.

         For so long as no Event of Default shall have occurred and be
continuing the principal amount and accrued interest of this Note shall be due
and payable on the dates and in the manner hereinafter set forth:

         (a) Interest on the unpaid principal balance outstanding from time to
       time shall be paid at such interest rates and at such times as are
       specified in the Loan Agreement;

         (b) Principal shall be due and payable monthly commencing on April 1,
       2003, and continuing on the first day of each month thereafter through
       and including August 1, 2004, in installments of $302,083:

         (c) The entire remaining principal amount then outstanding, together
       with any and all other amounts due hereunder, shall be due and payable on
       the earlier of September 1, 2004 and the Commitment Termination Date.

Notwithstanding the foregoing, the entire unpaid principal balance and accrued
interest on this Note shall be due and payable immediately upon any termination
of the Loan Agreement

                                     Page 8
<PAGE>

pursuant to Section 4 thereof.

         This Note shall be subject to mandatory prepayment in accordance with
the provision of Section 3.3 of the Loan Agreement. Borrowers may also prepay
this Note in the manner provided in Section 4 of the Loan Agreement.

         Upon the occurrence, and during the continuation, of an Event of
Default, this Note shall or may, as provided in the Loan Agreement, become or be
declared immediately due and payable.

         The right to receive principal of, and stated interest on, this Note
may only be transferred in accordance with the provisions of the Loan Agreement.

         Demand, presentment, protest and notice of nonpayment and protest are
hereby waived by each Borrower.

         This Note amends, modifies, and restates, but does not extinguish, the
indebtedness evidenced by that certain Secured Promissory Note (Term Note) of
Borrower dated February 25, 2002 payable to the order of Lender in the original
principal amount of $9,154,682.00, which promissory note amended, modified and
restated that certain Secured Promissory Note (Term Note) of Borrowers dated
February 12, 2002, payable to the order of Lender in the original principal
amount of $7,654,682.00 which promissory note amended, modified and restated (1)
that certain Secured Promissory Note (Term Note) of Borrowers dated August 4,
2000, payable to the order of Lender in the original principal amount of
$10,068,013.12 which promissory note amended, modified and restated that certain
Secured Promissory Note (Term Note) of Borrowers dated January 25, 2000, payable
to the order of Lender in the original principal amount of $6,058,503.00 and (2)
that certain Secured Promissory Note (Term Note) of Borrowers dated January 25,
2000, payable to the order of Suntrust Bank in the original principal amount of
$1,190,000.00 which promissory notes amended, modified and restated that certain
Secured Promissory Note (Term Note) of Borrowers dated October 30, 1998, payable
to the order of Lender in the original principal amount of $8,000,000.00.

       This Note shall be governed by, and construed and enforced in accordance
with, the laws of the State of Texas.

                                     Page 9
<PAGE>

RAMSAY YOUTH SERVICES, INC.

By:
   ---------------------------------
Name:    Jorge Rico
Title: Vice President

BOUNTIFUL PSYCHIATRIC HOSPITAL, INC.
EAST CAROLINA PSYCHIATRIC SERVICES CORPORATION
GREAT PLAINS HOSPITAL, INC.
GULF COAST TREATMENT CENTER, INC.
HAVENWYCK HOSPITAL, INC.
H. C. CORPORATION
HSA HILL CREST CORPORATION
HSA OF OKLAHOMA, INC.
MICHIGAN PSYCHIATRIC SERVICES, INC.
RAMSAY TREATMENT SERVICES, INC. f/k/a RAMSAY EDUCATIONAL SERVICES, INC.
RAMSAY MANAGED CARE, INC.
RAMSAY YOUTH SERVICES OF ALABAMA, INC.
RAMSAY YOUTH SERVICES OF FLORIDA, INC.
RAMSAY YOUTH SERVICES OF SOUTH CAROLINA, INC.
RHCI SAN ANTONIO, INC.
TRANSITIONAL CARE VENTURES, INC.
TRANSITIONAL CARE VENTURES (TEXAS), INC.

By:
   ---------------------------------
Name:    Jorge Rico
Title:   Vice President

H. C. PARTNERSHIP
By:  H.C. CORPORATION, General Partner
By:  HSA HILL CREST CORPORATION, General Partner

        By:
           ---------------------------------
        Name:     Jorge Rico
       Title:     Vice President

                                    Page 10
<PAGE>

TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT - EXHIBITS

                                   EXHIBIT A-2

                             SECURED PROMISSORY NOTE

                               (Acquisition Note)

$_____________                                Dated as of March [__], 2003 to be
                                               effective as of December 31, 2002

                                  Dallas, Texas

         FOR VALUE RECEIVED, each of the undersigned, jointly and severally,
(hereinafter collectively referred to as "BORROWERS", and each individually, a
"BORROWER"), hereby promise (as hereinafter defined) with respect to the
Acquisition Loan to pay to the order of Fleet Capital, a Rhode Island
corporation (hereinafter "Lender"), or its registered assigns at the office of
Fleet Capital Corporation, as agent for such Lender, or at such other place in
the United States of America as the holder of this Note may designate from time
to time in writing, in lawful money of the United States, in immediately
available funds, at the time of payment, the principal sum of
_________________________ Dollars ($ ), or such lesser principal amount as may
be outstanding pursuant to the Loan Agreement together with interest from and
after the date hereof on the unpaid principal balance outstanding from time to
time.

         This Secured Promissory Note (the "Note") is one of the Acquisition
Notes referred to in, and is issued pursuant to, that certain Loan and Security
Agreement dated as of October 30, 1998 by and among Borrowers, the lenders
signatories thereto (including Lender) and Fleet Capital Corporation ("FCC") as
Agent for said lenders (FCC in such capacity "Agent") (as amended from time to
time, the "Loan Agreement"), and is entitled to all of the benefits and security
of the Loan Agreement. All of the terms, covenants and conditions of the Loan
Agreement and the Security Documents are hereby made a part of this Note and are
deemed incorporated herein in full. All capitalized terms used herein, unless
otherwise specifically defined in this Note, shall have the meanings ascribed to
them in the Loan Agreement.

         For so long as no Event of Default shall have occurred and be
continuing the principal amount and accrued interest of this Note shall be due
and payable on the dates and in the manner hereinafter set forth:

                  (a) Interest on the unpaid principal balance outstanding from
         time to time shall be paid at such interest rates and at such times as
         are specified in the Loan Agreement;

                  (b) Principal shall be due and payable monthly commencing
         April 1, 2003, and continuing on the first day of each month thereafter
         through and including October 1, 2003, in installments of $26,061.65;
         and

                  (c) The entire remaining principal amount then outstanding,
         together with any and all other amounts due hereunder, shall be due and
         payable on the earlier of November 1, 2004 and the Commitment
         Termination Date.

                                    Page 11
<PAGE>

         In addition to the foregoing, immediately upon the receipt by any
Borrower or any of their Subsidiaries of the amount necessary to constitute the
Liquidity Event and provided that no Suspension Event shall have occurred and be
continuing and all Contingent Liabilities have been settled and satisfied,
Borrower shall prepay this Acquisition Note in an amount equal to the aggregate
amount of all Bridge Loan Advances made to Borrowers plus all accrued but unpaid
interest on the Bridge Loan Advances as of the date of such prepayment. All such
prepayments shall first be applied to the accrued but unpaid interest on the
Bridge Loan Advances and then in payment of the outstanding principal balance of
the Bridge Loan Advances in the inverse order of maturity.

         Notwithstanding the foregoing, the entire unpaid principal balance of
and accrued interest on this Note shall be due and payable immediately upon any
termination of the Loan Agreement pursuant to Section 4 thereof.

         This Note shall be subject to mandatory prepayment in accordance with
the provisions of Section 3.3 of the Loan Agreement. Borrowers may also prepay
this Note in the manner provided in Section 4 of the Loan Agreement.

         Upon the occurrence, and during the continuation, of an Event of
Default, this Note shall or may, as provided in the Loan Agreement, and become
or be declared immediately due and payable.

         The right to receive principal of, and stated interest on, this Note
may only be transferred in accordance with the provisions of the Loan Agreement.

         Demand, presentment, protest and notice of nonpayment and protest are
hereby waived by each Borrower.

         This Note amends, modifies and restates, but does not extinguish the
indebtedness evidenced by that certain Secured Promissory Note (Acquisition
Note) of Borrowers dated November 17, 1999, payable to the order of Lender in
the original principal amount of $6,000,000.00, which promissory note amended,
modified and restated that certain Secured Promissory Note (Acquisition Note) of
Borrowers dated October 30, 1998, payable to the order of Lender in the original
principal amount of $6,000,000.00.

                                    Page 12
<PAGE>

This Note shall be governed by, and construed and enforced in accordance with,
the laws of the State of Texas.

RAMSAY YOUTH SERVICES, INC.

By:
   ---------------------------------
Name:    Jorge Rico
Title:   Vice President

BOUNTIFUL PSYCHIATRIC HOSPITAL, INC.
EAST CAROLINA PSYCHIATRIC SERVICES CORPORATION
GREAT PLAINS HOSPITAL, INC.
GULF COAST TREATMENT CENTER, INC.
HAVENWYCK HOSPITAL, INC.
H. C. CORPORATION
HSA HILL CREST CORPORATION
HSA OF OKLAHOMA, INC.
MICHIGAN PSYCHIATRIC SERVICES, INC.
RAMSAY TREATMENT SERVICES, INC. f/k/a
RAMSAY EDUCATIONAL SERVICES, INC.
RAMSAY MANAGED CARE, INC.
RAMSAY YOUTH SERVICES OF ALABAMA, INC.
RAMSAY YOUTH SERVICES OF FLORIDA, INC.
RAMSAY YOUTH SERVICES OF SOUTH CAROLINA, INC.
RHCI SAN ANTONIO, INC.
TRANSITIONAL CARE VENTURES, INC.
TRANSITIONAL CARE VENTURES (TEXAS), INC.

By:
   ---------------------------------
Name:    Jorge Rico
Title:   Vice President

H.C. PARTNERSHIP

         By:      H.C. CORPORATION, General Partner
         By:      HSA HILL CREST CORPORATION, General Partner

         By:
            ---------------------------------
         Name:    Jorge Rico
         Title:   Vice President

                                    Page 13
<PAGE>

                                    EXHIBIT B
               BORROWERS AND EACH SUBSIDIARY'S BUSINESS LOCATIONS

1.     RAMSAY YOUTH SERVICES, INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Ramsay Youth Services, Inc.
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

2.     BOUNTIFUL PSYCHIATRIC HOSPITAL, INC., A UTAH CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Bountiful Psychiatric Hospital, Inc.
       Benchmark Behavioral Health System North
       Benchmark Behavioral Health System South

       Benchmark Regional Hospital
       592 West 1350 South
       Woods Cross, Utah  84087

       Briarwood Group Home - Reno
       480 Galetti Way
       Sparks, Nevada  89431

       Briarwood Group Home - Las Vegas
       5105 Smoke Ranch Road
       Las Vegas, Nevada  89108

       Benchmark Pearl City
       2501 Wiamona Home Road
       Pearl City, Hawaii  96782

       Benchmark Briarwood Group Home - South
       480 Galetti Way, Bldg. 8C
       Sparks, Nevada  89431

                                    Page 14
<PAGE>

       Benchmark Behavioral Health Outpatient
       94-216 Farington Highway, Suite 208
       Waipahu, Hawaii  96797

       PRINCIPAL PLACE OF BUSINESS
       592 West 1350 South
       Woods Cross, Utah  84087

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       592 West 1350 South
       Woods Cross, Utah  84087

       480 Galetti Way
       Sparks, Nevada  89431

       5105 Smoke Ranch Road
       Las Vegas, Nevada  89108

       2501 Wiamona Home Road
       Pearl City, Hawaii  96782

       480 Galetti Way, Bldg. 8C
       Sparks, Nevada  89431

3.     EAST CAROLINA PSYCHIATRIC SERVICES CORPORATION, A NORTH CAROLINA
       CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       East Carolina Psychiatric Services Corporation
       Brynn Marr Behavioral Healthcare System
       Brynn Marr Hospital
       192 Village Drive
       Jacksonville, North Carolina  28546

       PRINCIPAL PLACE OF BUSINESS
       192 Village Drive
       Jacksonville, North Carolina  28546

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

                                    Page 15
<PAGE>

       192 Village Drive
       Jacksonville, North Carolina  28546

4.     GREAT PLAINS HOSPITAL, INC., A MISSOURI CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Great Plains Hospital, Inc.
       Heartland Behavioral Health Services
       Heartland Hospital
       1500 W. Ashland Street
       Nevada, Missouri  64772

       PRINCIPAL PLACE OF BUSINESS
       1500 W. Ashland Street
       Nevada, Missouri  64772

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       1500 W. Ashland Street
       Nevada, Missouri  64772

5.     GULF COAST TREATMENT CENTER, INC., A FLORIDA CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Gulf Coast Treatment Center, Inc.
       Gulf Coast Treatment Center
       1015 Mar Walt Drive
       Fort Walton Beach, Florida  32547

       Okaloosa Youth Academy
       445 Straight Line Road
       Crestview, Florida  32538

       Milton Girls Residential Facility
       5770 East Milton Road
       Milton, Florida  32583

       Adolescent Substance Abuse Program
       1015 Mar Walt Drive, Bldg. 100
       Fort Walton Beach, Florida  32547

       PRINCIPAL PLACE OF BUSINESS
       1015 Mar Walt Drive
       Fort Walton Beach, Florida  32547

                                    Page 16
<PAGE>

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       1015 Mar Walt Drive
       Fort Walton Beach, Florida  32547

       445 Straight Line Road
       Crestview, Florida  32538

       5770 East Milton Road
       Milton, Florida  32583

6.     HAVENWYCK HOSPITAL, INC., A MICHIGAN CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Havenwyck Hospital, Inc.
       Havenwyck Hospital
       1525 University Drive
       Auburn Hills, Michigan  48326

       PRINCIPAL PLACE OF BUSINESS
       1525 University Drive
       Auburn Hills, Michigan  48326

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       1525 University Drive
       Auburn Hills, Michigan  48326

7.     H.C. CORPORATION, AN ALABAMA CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       H.C. Corporation
       Hill Crest Behavioral Health Services
       Hill Crest Hospital
       6869 Fifth Avenue South
       Birmingham, Alabama  35212

                                    Page 17
<PAGE>

       PRINCIPAL PLACE OF BUSINESS
       6869 Fifth Avenue South
       Birmingham, Alabama  35212

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       6869 Fifth Avenue South
       Birmingham, Alabama  35212

8.     H.C. PARTNERSHIP, AN ALABAMA GENERAL PARTNERSHIP

       TRADE NAMES AND LOCATIONS OF FACILITIES
       H.C. Partnership
       Hill Crest Behavioral Health Services
       Hill Crest Hospital
       6869 Fifth Avenue South
       Birmingham, Alabama  35212

       Bessemer I Group Home
       212 N. 16 Street
       Bessemer, Alabama  35020

       Piedmont Adolescent Living Services
       417 South Dailey Street
       Piedmont, Alabama  36272

       Bessemer II Group Home
       1631 2nd Avenue North
       Bessemer, Alabama  35020

       PRINCIPAL PLACE OF BUSINESS
       6869 Fifth Avenue South
       Birmingham, Alabama  35212

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       6869 Fifth Avenue South
       Birmingham, Alabama  35212

                                    Page 18
<PAGE>

       212 N. 16 Street
       Bessemer, Alabama  35020

       417 South Dailey Street
       Piedmont, Alabama  36272

       1631 2nd Avenue North
       Bessemer, Alabama  35020

9.     HSA HILL CREST CORPORATION, AN ALABAMA CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       HSA Hill Crest Corporation
       Hill Crest Behavioral Health Services
       Hill Crest Hospital
       6869 Fifth Avenue South
       Birmingham, Alabama  35212

       Higdon Hill Group Home
       6869 5th Avenue South
       Birmingham, Alabama  35212

       PRINCIPAL PLACE OF BUSINESS
       6869 Fifth Avenue South
       Birmingham, Alabama  35212

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       6869 5th Avenue South
       Birmingham, Alabama  35212

10.    HSA OF OKLAHOMA, INC., AN OKLAHOMA CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       HSA of Oklahoma, Inc.
       Meadowlake Hospital
       Meadowlake Behavioral Health System
       2216 South Van Buren
       Enid, Oklahoma  73703

       PRINCIPAL PLACE OF BUSINESS
       2216 South Van Buren
       Enid, Oklahoma  73703

                                    Page 19
<PAGE>

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       2216 South Van Buren
       Enid, Oklahoma  73703

11.    MICHIGAN PSYCHIATRIC SERVICES, INC., A MICHIGAN CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Michigan Psychiatric Services, Inc.
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

12.    RAMSAY TREATMENT SERVICES, INC., A DELAWARE CORPORATION F/K/A RAMSAY
       EDUCATIONAL SERVICES

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Ramsay Educational Services, Inc.
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       Riverdale Country School
       1945 Palm Bay Road
       Palm Bay, Florida  32905

       CHIEF EXECUTIVE AND CORPORATE OFFICES
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

                                    Page 20
<PAGE>

       1945 Palm Bay Road
       Palm Bay, Florida  32905

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       1945 Palm Bay Road
       Palm Bay, Florida  32905

13.    RAMSAY MANAGED CARE, INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Ramsay Managed Care, Inc.
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

14.    RAMSAY YOUTH SERVICES OF ALABAMA, INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Ramsay Youth Services of Alabama, Inc.
       Ramsay Youth Services - Dothan
       Dothan Youth Services
       700 Cottonwood Road
       Dothan, Alabama  36301

       CHIEF EXECUTIVE AND CORPORATE OFFICES
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       700 Cottonwood Road
       Dothan, Alabama  36301

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

                                    Page 21
<PAGE>

       700 Cottonwood Road
       Dothan, Alabama  36301

15.    RAMSAY YOUTH SERVICES OF FLORIDA, INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Ramsay Youth and Family Counseling Center
       1975 Palm Bay Road, Suites 6 and 7
       Palm Bay, Florida  32905

       Everglades Youth Development Center
       18500 SW 424 Street
       Florida City, Florida  33034

       Florida Institute for Girls
       9680 Fairgrounds Road
       West Palm Beach, Florida  33411

       Kingsley Center
       5867 SW Highway 31
       Arcadia, Florida  34266

       Manatee Palms Youth Services
       4480 51 Street West
       Bradenton, Florida  34210

       Manatee Adolescent Treatment Services
       1324 37 Avenue East
       Bradenton, Florida  34208

       Southern Glades Youth Camp
       41600 SW 232 Avenue
       Florida City, Florida  33034

       Florida Youth Center
       18500 SW 424 Street
       Florida City, Florida  33034

       CHIEF EXECUTIVE AND CORPORATE OFFICES
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       1975 Palm Bay Road, Suites 6 and 7
       Palm Bay, Florida  32905

       18500 SW 424 Street
       Florida City, Florida  33034

       9680 Fairgrounds Road
       West Palm Beach, Florida  33411

                                    Page 22
<PAGE>

       41600 SW 232 Avenue
       Florida City, Florida  33034

       5867 SW Highway 31
       Arcadia, Florida  34266

       4480 51 Street West
       Bradenton, Florida  34210

       1324 37 Avenue East
       Bradenton, Florida  34208

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       1975 Palm Bay Road, Suites 6 and 7
       Palm Bay, Florida  32905

       18500 SW 424 Street
       Florida City, Florida  33034

       9680 Fairgrounds Road
       West Palm Beach, Florida  33411

       41600 SW 232 Avenue
       Florida City, Florida  33034

       5867 SW Highway 31
       Arcadia, Florida  34266

       4480 51 Street West
       Bradenton, Florida  34210

       1324 37 Avenue East
       Bradenton, Florida  34208

16.    RAMSAY YOUTH SERVICES OF GEORGIA, INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Ramsay Youth Services of Georgia, Inc.
       3500 Riverside Drive
       Macon, Georgia  31210

       McIntosh Youth Development Campus
       1200 Highway 251
       Darien, Georgia  31305

                                    Page 23
<PAGE>

       CHIEF EXECUTIVE AND CORPORATE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       3500 Riverside Drive
       Macon, Georgia  31210

       1200 Highway 251
       Darien, Georgia  31305

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       3500 Riverside Drive
       Macon, Georgia  31210

       1200 Highway 251
       Darien, Georgia  31305

17.    RAMSAY YOUTH SERVICES OF SOUTH CAROLINA, INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Ramsay Youth Services of South Carolina, Inc.
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       Coastal Harbor Youth Services
       7055 Ford Taylor Road
       Conway, South Carolina  29526

       Berry Hill Youth Services
       870 Bush Berry Road
       Pelion, South Carolina  29123

       CHIEF EXECUTIVE AND CORPORATE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       7055 Ford Taylor Road
       Conway, South Carolina  29526

                                    Page 24
<PAGE>

       870 Bush Berry Road
       Pelion, South Carolina  29123

18.    RAMSAY YOUTH SERVICES PUERTO RICO, INC., A PUERTO RICO CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Centro Detencion de Bayamon
       Carreterra #28, KM 1.5
       Barrio Juan Sanchez
       Parque Industrial
       Julio Enrique Managas
       Bayamon, Puerto Rico  00960

       CHIEF EXECUTIVE AND CORPORATE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       Carreterra #28, KM 1.5
       Barrio Juan Sanchez
       Parque Industrial
       Julio Enrique Managas
       Bayamon, Puerto Rico  00960

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       Carreterra #28, KM 1.5
       Barrio Juan Sanchez
       Parque Industrial
       Julio Enrique Managas
       Bayamon, Puerto Rico  00960

19.    RHCI SAN ANTONIO, INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       RHCI San Antonio, Inc.
       Mission Vista Hospital
       14747 Jones Maltsberger
       San Antonio, Texas  78247-3713

       PRINCIPAL PLACE OF BUSINESS
       14747 Jones Maltsberger
       San Antonio, Texas  78247-3713

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

                                    Page 25
<PAGE>

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       14747 Jones Maltsberger
       San Antonio, Texas  78247-3713

20.    TRANSITIONAL CARE VENTURES, INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Transitional Care Ventures, Inc.
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

21.    TRANSITIONAL CARE VENTURES (TEXAS), INC., A DELAWARE CORPORATION

       TRADE NAMES AND LOCATIONS OF FACILITIES
       Transitional Care Ventures (Texas), Inc.
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       PRINCIPAL PLACE OF BUSINESS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       CHIEF EXECUTIVE OFFICE
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

       LOCATIONS OF COLLATERAL AND RECORDS
       One Alhambra Plaza, Suite 750
       Coral Gables, Florida  33134

                                    Page 26
<PAGE>

                                    EXHIBIT L
                                OPERATING LEASES

1.       Lease Agreement dated as of December 28, 2001 between the City of
         Piedmont, Alabama and Hillcrest Behavioral Health Services, Inc.

2.       Lease Agreement dated as of May 15, 2001 between United Joint Venture,
         an Ohio Limited Partnership by the Cadle Company, General Partner and
         Ramsay Youth Services of Florida, Inc.

3.       Lease Agreement dated as of February 28, 2001 between Sam Sung
         Development Co., Ltd. and Bountiful Psychiatric Hospital, Inc. d/b/a
         Benchmark Behavioral Health Systems

4.       Lease Agreement dated as of December 27, 2000 between Coral Gables
         Associates and Ramsay Youth Services, Inc.

5.       Lease Agreement dated as of June 1, 2000 between United Joint Venture,
         an Ohio Limited Partnership by the Cadle Company, General Partner and
         Ramsay Youth Services of Florida, Inc.

6.       Lease Agreement dated as of September 1998 between Capstone Capital
         Corporation and Havenwyck Hospital, Inc.

7.       Lease Agreement dated as of May 9, 1995 between the State of Nevada and
         Benchmark Behavioral Health System of Utah.

8.       Lease Agreement dated April 12, 1995 between Capstone Capital of San
         Antonio, Ltd., d/b/a Cahaba of San Antonio, Ltd. and RHCI San Antonio,
         Inc.

9.       Lease Agreement dated September 12, 2002 between Ramsay Hospital
         Properties, Inc. and Ramsay Youth Services of Georgia, Inc.

                                    Page 27

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