Document:

<PAGE>

                                                                   Exhibit 10.24

                             FOURTEENTH AMENDMENT TO
                        RESTATED BUSINESS LOAN AGREEMENT

         THIS FOURTEENTH AMENDMENT TO RESTATED BUSINESS LOAN AGREEMENT (the
"Amendment") is entered into as of January 2, 2002, between FRESH AMERICA CORP.,
a Texas corporation ("Borrower"), the "Subsidiary/Debtors" (herein so called)
named on the signature pages of this Amendment, and ENDEAVOUR, LLC, assignee of
Bank of America, N.A., formerly Bank of America NT & SA, successor in interest
by merger with Bank of America, N.A., formerly NationsBank, N.A. ("Bank").

         Borrower and Bank entered into the Restated Business Loan Agreement
dated February 2, 1998 (as amended, extended, renewed, or restated, the "Loan
Agreement"), providing Borrower with a revolving line of credit. Borrower has
requested Bank to amend certain provisions of the Loan Agreement as provided in
Paragraph 2 below and the other Loan Documents as provided herein, including
without limitation a restructure and conversion of the line of credit into a
term loan, and Bank has, upon and subject to the terms of this Amendment,
agreed. Accordingly, for adequate and sufficient consideration, Bank, Borrower,
and Subsidiary/Debtors hereby agree as follows:

         1. DEFINITIONS. Capitalized terms used herein and defined in the Loan
            -----------
Agreement shall have the meanings set forth in the Loan Agreement except as
otherwise provided herein.

         2. AMENDMENTS. The Loan Documents are amended as follows:
            ----------

            (A)   The definition of Reference Rate in Section 1 is entirely
amended as follows:

                  "Reference Rate" is defined in Section 4.1 of this Agreement.
                  Provided, however, that the Reference Rate shall not at any
                  time equal less than 4.75% per annum.

            (B)   Section 2.2 of the Loan Agreement is amended to delete
therefrom the date "January 2, 2002" and substitute in lieu thereof the date
"January 6, 2003".

            (C)   Sections 2.4(c) is entirely amended to read as follows:

                  (c)      The Borrower will pay on each of April 1, 2002, July
                           1, 2002, September 30, 2002, and December 30, 2002,
                           installments of principal outstanding under the Term
                           Note in the amount of $350,000, with a final
                           installment in the amount of the remaining principal
                           balance thereof to be due and payable on January 2,
                           2003, unless otherwise accelerated pursuant to the
                           terms hereof. In addition, the Borrower will pay on
                           July 1, 2002, an installment of principal outstanding
                           under the Term Note in the amount of one percent
                           (1.00%) of the outstanding principal balance thereof
                           on

<PAGE>

                                    June 30, 2002, which installment payment
                                    shall be in addition to the installment
                                    payment referenced in the previous sentence
                                    of this Section 2.4(c).

            (D)   The first sentence of Section 4.1 of the Loan Agreement is
entirely amended as follows:

                           The interest rate on the outstanding principal
                           amounts under the Term Loan Commitment is equal to
                           the lesser of either (a) the maximum lawful rate of
                           interest permitted under applicable usury laws, now
                           or hereafter enacted (the "Maximum Rate") or (b) the
                           rate that is equal to the sum of the Bank's Reference
                           Rate plus four percent (4.00%) from January 2, 2002,
                           through and including April 1, 2002, four and
                           one-half percent (4.50%) from April 2, 2002, through
                           and including June 30, 2002, five percent (5.0%) from
                           July 1, 2002, through and including September 30,
                           2002, and five and one-half percent (5.50%) from
                           October 1, 2002, and thereafter.

            (E)   Section 5.2(c) of the Loan Agreement is entirely amended as
follows:

                           (c)      The Borrower agrees to reimburse the Bank
                                    for the reasonable costs of periodic audits
                                    and appraisals of the Collateral at such
                                    intervals as the Bank may reasonably
                                    require. The audits and appraisals may be
                                    performed by employees of the Bank or by
                                    independent appraisers.

            (F)   The first paragraph of Section 10.4 of the Loan Agreement is
entirely amended to read as follows:

                           10.4     Adjusted Borrowing Base Mandatory
                                    ---------------------------------
                                    Prepayment. If at any time the principal
                                    ----------
                                    outstanding under the Term Note plus the
                                    outstanding amounts of any letters of credit
                                    on such date (including the face amount of
                                    all undrawn and uncancelled letters of
                                    credit and amounts drawn on letters of
                                    credit and not yet reimbursed) exceeds the
                                    Adjusted Borrowing Base (calculated as of
                                    the most recent of (i) the last day of the
                                    most recently preceding calendar month, or
                                    (ii) the 15th day of the most recently
                                    preceding calendar month) , the Company
                                    shall immediately pay to the Bank any such
                                    excess. Such payment shall be applied to
                                    installments due under the Term Note in the
                                    inverse order of maturity.

            (G)   Section 10.11 is entirely amended as follows:

                           Capital Expenditures. No Company shall make Capital
                           --------------------
                           Expenditures other than Permitted Capital
                           Expenditures. "Permitted Capital Expenditures" means
                           commencing with the period beginning January 1, 2002,
                           through and including March 31, 2002, a total amount
                           of Capital Expenditures that does not exceed $540,000
                           in the aggregate, for the

                                      -2-

<PAGE>

                           period beginning April 1, 2002, through and including
                           June 30, 2002, a total amount of Capital Expenditures
                           that does not exceed $640,000 in the aggregate, for
                           the period beginning July 1, 2002, through and
                           including September 30, 2002, a total amount of
                           Capital Expenditures that does not exceed $215,000 in
                           the aggregate, and for the period beginning October
                           1, 2002, through and including December 31, 2002, a
                           total amount of Capital Expenditures that does not
                           exceed $235,000 in the aggregate. Additionally, the
                           Borrower shall provide to the Bank within thirty (30)
                           days after the end of each month a report of the
                           Capital Expenditures for the prior month and year to
                           date period from January 1, 2002, and a comparison of
                           such Capital Expenditures actually incurred to
                           Capital Expenditures budgeted to occur in such
                           calendar quarter and year to date period from January
                           1, 2002, commencing January 1, 2002. Provided that if
                           any amount referred to above is not expended in the
                           quarter for which it is permitted, such amount may be
                           carried over for expenditure into future calendar
                           quarters in such fiscal year, and provided further
                           that Capital Expenditures made during any quarter
                           shall be deemed made first in respect of amounts
                           permitted for such quarter and second in respect of
                           amounts carried over from the prior quarter.

            (H)   Section 10.25(n) and Section 10.25(o) are entirely amended to
read as follows:

                           (n)      Additionally, the outstanding principal
                                    balance of the Term Note shall be reduced
                                    from time to time by the amount of one
                                    hundred percent (100%) of any and all tax
                                    refunds received by the Borrower, net of any
                                    penalties required to be paid in connection
                                    therewith and any repatriation costs if such
                                    amount is paid by a non-U.S. taxing
                                    authority, all of which shall be applied to
                                    the principal owing to the Bank immediately
                                    upon receipt thereof by the Borrower. Such
                                    amounts shall be applied to the next
                                    maturing installments due under the Term
                                    Note.

                           (o)      Additionally, the outstanding principal
                                    balance of the Term Note shall be reduced by
                                    seventy-five percent (75%) of the cash
                                    proceeds, net of reasonable expenses of
                                    issuance, of any equity issued by any
                                    Company (other than the $5,000,000 in
                                    preferred stock to be issued by the Borrower
                                    on April 30, 2000, as described in the Tenth
                                    Amendment to Restated Business Loan
                                    Agreement and Waiver dated as of March 31,
                                    2000, and the shares issued pursuant to that
                                    certain Securities Exchange and Purchase
                                    Agreement (the "Securities Agreement") dated
                                    as of August 14, 2001, among North Texas
                                    Opportunity Fund LP, John Hancock Life
                                    Insurance Company, John Hancock Variable
                                    Life Insurance Company, Signature 1A
                                    (Cayman), Ltd., Signature 3 Limited,
                                    Investors Partner Life Insurance Company,
                                    and the Borrower, the terms of which shall
                                    not be amended without the prior written

                                      -3-

<PAGE>

                                    consent of the Bank). Such amounts shall be
                                    applied to the next maturing installments
                                    due under the Term Note.

         3. CONDITIONS PRECEDENT. This Amendment will not become effective until
            --------------------
all corporate actions of Borrower and each of the Subsidiary/Debtors taken in
connection herewith and the transactions contemplated hereby shall be
satisfactory in form and substance to the Bank, and each of the following
conditions precedent shall have been satisfied, all of which must occur on or
before January 2, 2002:

           (a)        Bank has received counterparts of this Amendment duly
                      executed and duly delivered by Bank, Borrower, and each
                      other party named on the signature page below.

           (b)        All fees and expenses, including reasonable legal and
                      other professional fees and expenses incurred on or prior
                      to the date of this Amendment by the Bank, including
                      without limitation the fees and expenses of legal counsel
                      and financial advisors to the Bank, shall have been paid
                      to the extent that same have been billed.

           (c)        The Bank shall have received a certificate of the Borrower
                      certifying as to the accuracy, after giving effect to this
                      Amendment, of the representations and warranties set forth
                      in the Loan Agreement, the other Loan Documents and this
                      Amendment, that there exists no Default or Potential
                      Default after giving effect to this Amendment, and that
                      the execution, delivery and performance of this Amendment
                      will not cause a Default or Potential Default.

           (d)        The Bank shall have received such other documents,
                      instruments and certificates, in form and substance
                      reasonably satisfactory to the Bank, as the Bank shall
                      deem necessary or appropriate in connection with this
                      Amendment and the transactions contemplated hereby,
                      including without limitation copies of resolutions of the
                      boards of directors of each of Borrower and each
                      Subsidiary/Debtor which is a party to the documents
                      contemplated by this Amendment.

           (e)        The Bank shall have received an amendment fee in the
                      principal amount of $25,000, plus all accrued and unpaid
                      interest due under the Term Loan through December 31,
                      2001.

           (f)        The Bank shall have received (i) a true and correct copy
                      of any and all agreements between the Borrower and Larry
                      Martin upon terms and conditions satisfactory to the Bank
                      addressing payment of amounts due to Larry Martin pursuant
                      to that certain Stock Purchase Agreement dated December
                      19, 1997, between the Borrower, Larry Martin and Hereford
                      Haven, Inc., and (ii) a true and correct copy of any and
                      all agreements between the Borrower and Joseph M.
                      Cognetti, upon terms and conditions satisfactory to the
                      Bank.

                                      -4-

<PAGE>

         4. RELEASE. In consideration of the Bank's agreements herein and
            -------
certain other good and valuable consideration, Borrower hereby expressly
acknowledges and agrees that as of the date hereof it has no setoffs,
counterclaims, adjustments, recoupments, defenses, claims or actions of any
character, whether contingent, non-contingent, liquidated, unliquidated, fixed,
matured, unmatured, disputed, undisputed, legal, equitable, secured or
unsecured, known or unknown, against the Bank or any grounds or cause for
reduction, modification or subordination of the obligations or owed to the Bank
or any liens or security interests of the Bank. To the extent Borrower may
possess any such setoffs, counterclaims, adjustments, recoupments, claims,
actions, grounds or causes, Borrower hereby waives, and hereby releases the Bank
from, any and all of such setoffs, counterclaims, adjustments, recoupments,
claims, actions, grounds and causes, such waiver and release being with full
knowledge and understanding of the circumstances and effects of such waiver and
release and after having consulted counsel with respect thereto.

         5. CONTINUED EFFECT. Except to the extent provided herein, all terms,
            ----------------
provisions, and conditions of the Loan Agreement and the other Loan Documents
shall continue in full force and effect and are hereby ratified and confirmed,
and the Loan Agreement and the other Loan Documents shall remain enforceable and
binding in accordance with their respective terms. Borrower and each
Subsidiary/Debtor confirms and agrees that the other Loan Documents, and the
guaranties, liens, and security interests granted therein, shall continue to
assure and secure Borrower's obligations and indebtedness to Bank, direct or
indirect, arising pursuant to the Revolving Note and the Loan Agreement, whether
or not such other Loan Documents shall be expressly affected by this Amendment.
All references in the Loan Documents to the Loan Agreement shall hereafter be
deemed to be references to the Loan Agreement affected by this Amendment.

         6. COUNTERPARTS. This Amendment may be executed in any number of
            ------------
counterparts, all of which when taken together shall constitute one and the same
document, and each party hereto may execute this Amendment by signing any of
such counterparts. Telecopies of signatures shall be binding and effective as
originals.

         7. SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon, and
            ----------------------
inure to be the benefit of, the parties hereto and their respective heirs,
administrators, successors and assigns.

         8. NO ORAL AGREEMENTS. This written document and the documents executed
            ------------------
in connection herewith represent the final agreement between the parties in
respect of the matters covered herein 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.

         9. GOVERNING LAW. This Amendment shall be governed by and construed in
            -------------
accordance with the laws of the State of Texas.

         10. LOAN DOCUMENT. This Amendment is a Loan Document and is subject to
             -------------
all provisions of the Loan Agreement applicable to Loan Documents, all of which
are

                                      -5-

<PAGE>

incorporated in this Amendment by reference the same as if set forth in this
Amendment verbatim.

      [Remainder of Page Left Intentionally Blank - Signature Page Follows]

                                      -6-

<PAGE>

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

ENDEAVOUR, LLC, assignee of Bank of           FRESH AMERICA CORP., as Borrower
America, N.A. (formerly Bank of
America NT & SA, successor in
interest by merger with Bank of
America, N.A., formerly NationsBank,
N.A.), as Bank

By:      PPM America, Inc.,
         its Attorney-in-Fact

                                              By    /s/ Cheryl A. Taylor
                                                    ---------------------------
By      /s/ Bradley Scher                            Name: Cheryl A. Taylor
  -------------------------------------                    --------------------
        Name: Bradley Scher                          Title: EVP - CFO
              -------------------------                     -------------------
        Title:Managing Director
              -----------------

                              CONSENT AND AGREEMENT
                              ---------------------

To induce Bank to enter into this Amendment the undersigned jointly and
severally (a) consent and agree to this Amendment's execution and delivery and
the terms hereof, (b) ratify and confirm that all guaranties, assurances, liens,
and subordinations granted, conveyed, or assigned to Bank under the Loan
Documents (as they may have been renewed, extended, and amended) (i) are not
released, diminished, impaired, reduced, or otherwise adversely affected by this
Amendment, and (ii) continue to guarantee, assure, secure, and subordinate other
debt to the full payment and performance of all present and future obligations
under the Loan Documents, and (c) waive notice of acceptance of this consent and
agreement, which consent and agreement binds the undersigned and their
successors and permitted assigns and inures to Bank and its successors and
permitted assigns.

FRESH AMERICA FLORIDA, INC.,
FRANCISCO ACQUISITION CORP.,
ALLIED-PERRICONE, INC., f/k/a
SAM PERRICONE CITRUS CO.,
each as a Subsidiary/Debtor

By:      /s/ Cheryl A. Taylor
   ----------------------------------------------------------------------------
         Name:                      Cheryl A. Taylor
                  --------------------------------------------------------------
         Title:                     Chief Financial Officer
               -----------------------------------------------------------------

                                      -7-<PAGE>

                                                                    Exhibit 10-a

                             AMSOUTH BANCORPORATION
                            EXECUTIVE INCENTIVE PLAN

                                    ARTICLE I
                           ESTABLISHMENT AND PURPOSES

1.1      By this document AmSouth Bancorporation (further referenced as
         "AmSouth" or the "Corporation") restates, effective for Plan Years
         beginning on or after January 1, 1998, the AmSouth Bancorporation
         Executive Incentive Plan (the "Plan").

1.2      The purposes of the Plan are:

         A.   To optimize AmSouth's profitability and growth consistent with
              its goals and objectives.

         B.   To optimize retention of a highly competent executive
              management group by providing Participants short-term
              incentive compensation, which, when combined with base salary,
              long-term incentive compensation, and benefits, is fully
              competitive with other Peer Banks.

         C.   To pay incentive awards within the Plan that correlate well with
              the relative contributions made by Participants.

         D.   To encourage teamwork and involvement on the part of Participants
              by connecting the major portion of the incentives paid to the
              performance of AmSouth as a whole.

         E.   To encourage accountability on the part of Participants by
              connecting a portion of the incentives paid to the performance
              results of the specific organizational units for which the
              Participants are responsible.

                                   ARTICLE II
                               CERTAIN DEFINITIONS

2.10     "Award" means the cash determined under this Plan to be due to a
         Participant as a result of performance during a Plan Year, which shall
         be paid, or the payment of which may be deferred, as provided in this
         Plan.

2.11     "Award Date" means that date, as soon as practicable after the
         applicable performance evaluations are completed, on which awards are
         paid, or deferred as the case may be.

2.12     "Base Compensation" means the base salary of a Participant in effect at
         the beginning of the Plan Year.

<PAGE>

2.13     "Beneficiary" means the beneficiary named by a Participant in writing
         filed with Corporate Human Resources. If a Participant does not wish to
         name a Beneficiary, the Beneficiary under this Plan will be the same as
         his or her beneficiary under the AmSouth Bancorporation Thrift Plan, or
         any successor thereto, in effect on the date of the Participant's
         death.

2.14     "Committee" means the Executive Compensation Committee of the Board of
         Directors of AmSouth Bancorporation or any successor thereto performing
         similar functions. This Committee administers and interprets the Plan;
         any decision made by the Committee is final and binding on the
         Participant and the Participant's Beneficiary.

2.15     An "Officer/Director" is an employee who holds a position as one of the
         most senior officers of AmSouth, is a member of the Corporate
         Management Committee, and is also a member of the AmSouth
         Bancorporation Board of Directors.

2.16     A "Participant" is an AmSouth Officer/Director or Senior Executive who
         is approved each year by the Committee to participate with respect to
         the next Plan Year.

2.17     "Peer Banks" are bank holding companies comparable to AmSouth the asset
         sizes of which range from one half to two times the asset size of
         AmSouth.

2.18     "Plan Year" means a calendar year.

2.19     A "Senior Executive" is an officer who manages a major group, division,
         or area and is a member of the Corporate Management Committee, but who
         is not an Officer/Director.

                                   ARTICLE III
                                  PARTICIPATION

A Participant will not be qualified to receive an Award for a Plan Year unless
he or she was approved for entry into the Plan by the Committee and is still
working for AmSouth on the Award Date for that Plan Year. However, retirement,
death, disability or an approved leave of absence will not disqualify a
Participant; rather, a prorated payment, based on the time worked during the
Plan Year, will be made to the Participant or to his or her Beneficiary, as the
case may be. If a Participant leaves AmSouth's employ for any other reason, the
Committee may, in its sole discretion, make an Award to him or her of a prorated
payment based on the time worked during the Plan Year.

<PAGE>

                                   ARTICLE IV
                             DETERMINATION OF AWARDS

4.1      Goals will be set for AmSouth and goals will be set for each
         Participant based on the business unit that he or she manages. The
         major portion of the incentives paid (100% in the case of
         Officer/Directors) will be based on the performance results of AmSouth
         as a whole to encourage teamwork on the part of each Management
         Committee member. In addition, for Senior Executive Participants, a
         portion of the incentives paid will be based on the performance results
         of the Participant's specific organizational unit managed to encourage
         an appropriate degree of individual focus.

4.2      The importance of sound goal setting is critical to the success of this
         Plan. The goal setting process will be directly connected to the annual
         business plan and resulting budget, and will begin at the top of the
         Corporation. Goals for performance purposes under this Plan may include
         one or more of the following in any given year:

         o   Earnings per share

         o   Return on Average Assets

         o   Return on Average Equity

         o   Credit Quality Measures

         o   Efficiency Ratio

         o   Loan Growth

         o   Deposit Growth

         o   Non-Interest Revenue Growth.

         The corporate goals for AmSouth and the weightings placed on each will
         be approved by the Committee at the beginning of each Plan Year. The
         corporate goals will become the entire goals for any Officer/Director
         in the Plan and the major goals for the remaining Participants in the
         Plan. In addition, the remaining Participants in the Plan also will
         have goals approved by the Chief Executive Officer for their units
         managed. The goals for the individually managed units will support (in
         the case of staff support executives) or add up to (in the case of line
         delivery executives) the goals for the Corporation.

         The corporate goals and the individual unit goals will both be
         weighted. The corporate goals will receive the heavier weighting and
         the two weightings will total 100%. Once determined, goals for all
         Senior Executive Participants will be documented on the Executive
         Incentive Plan Goal Setting and Evaluation Form.

4.3      A "corporate rating" will be determined at year end based on the
         Committee's evaluation

<PAGE>

         of the Corporation's results against the annual goals approved by the
         Committee at the beginning of the Plan Year. The corporate rating can
         range from 0.0 to 2.0, with 1.0 basically representing goal attainment.
         This rating will apply to the Officer/Director Participants. For other
         Participants (Senior Executives), results will be evaluated against
         goals established for their units at the beginning of the Plan Year.
         One of the following five general achievement levels will apply for
         each goal resulting in a performance rating from 0.0 to 2.0.
<TABLE>
<CAPTION>

             PERFORMANCE                     PERFORMANCE                    PERFORMANCE
             CATEGORIES                      DESCRIPTION                    RATING RANGE
             ----------                      -----------                    ------------
           <S>                        <C>                                  <C>

           Outstanding                Significantly Exceeded Goals           1.6 - 2.0

           More Than Expected         Exceeded Goals                         1.2 - 1.5

           Expected                   Met Goals                              0.9 - 1.1

           Needs Improvement          Fell Short of Goals                    0.6 - 0.8

           Unacceptable               Significantly Fell Short of Goals      0.0 - 0.5
</TABLE>

         Performance under the Plan will be rated at mid-year and at year-end
         utilizing an Executive Incentive Plan Goal Setting and Evaluation Form.
         The ratings will be weighted and the heavier weighted corporate rating
         will be added to the lesser weighted rating for the Participant's
         assigned unit to determine the overall rating.

4.4      A "base bonus opportunity" (BBO) will be set for each Participant as a
         percent of Base Compensation by referencing Peer Bank market data on an
         annual basis. This will represent the percentage payout associated with
         the overall basic achievement of established goals at both the
         corporate and the Participant's specific organizational unit levels. An
         overall performance rating ranging from 0.0 - 2.0 will determine the
         tentative payout percentage for a Participant. A rating of 1.0 will
         basically indicate that goals have been achieved and that 100% of the
         BBO will be the payout percentage for a Participant.

         Overall performance ratings above or below 1.0 can cause the payout
         percentage to be as high as 200% of the BBO or as low as 0%. The actual
         calculation of the payout percentage is performed by multiplying the
         BBO by the overall performance rating.

4.4      The actual Awards will be determined for Officer/Directors based on the
         corporate rating assigned by the Committee, the BBO's, and the Base
         Compensation. The actual awards for Senior Executive Participants will
         be determined based on the weighted combined corporate rating and
         individual unit performance ratings recommended by the Chief Executive
         Officer, the BBO's, and the Base Compensation. The maximum amount which
         may be paid to a Participant for any given Plan Year under this Plan is
         $2,000,000. Notwithstanding the foregoing, the Committee may exercise
         downward discretion with respect to payouts under this Plan.

<PAGE>

                                    ARTICLE V

                             DISTRIBUTION OF AWARDS

Unless a Participant has elected to defer receipt of his or her Award under
Article VI, the Award will be paid in the form of a cash bonus. However, if a
Participant dies prior to the Award Date, the designated Beneficiary will be
paid the amount of the Award in a single cash sum whether or not the Participant
has made an election to defer any part or all of the Award as provided for in
Article VI.

All Awards will be paid on an annual basis within 90 days of the end of the Plan
Year and will be net of any required federal, FICA, state or local tax
withholdings.

                                   ARTICLE VI
                                   ELECTIONS

6.1      Before the beginning of each Plan Year, each Participant, may elect to
         defer his or her Award, if any, for the upcoming year, pursuant to the
         terms of the AmSouth Bancorporation Deferred Compensation Plan.

                                   ARTICLE VII
                                  MISCELLANEOUS

7.1      AmSouth will not under any circumstances make any payment under this
         Plan to any assignee or creditor of a Participant or of his or her
         Beneficiary.

         Before a Participant actually receives a payment under this Plan,
         neither he or she, nor a designated Beneficiary, has any right, even in
         anticipation of receiving a payment, to assign, pledge, grant a
         security interest in, transfer or otherwise dispose of any interest
         under this Plan. Furthermore, a Participant's rights cannot be assigned
         or transferred even by operation of law.

7.2      This Plan gives the Participant no right to be retained in AmSouth's
         employment.

7.3      The Committee can end or change this Plan at any time. However, neither
         the Committee nor the Board of Directors of AmSouth Bancorporation can
         take away any Award which a Participant has already been paid or which
         a Participant has deferred, or any Award a Participant might receive
         for the Plan Year when the Committee acts.

7.4      This Plan is to be governed and interpreted as provided in the laws of
         the State of Alabama.

7.5      Neither an executive nor any officer or employee of AmSouth
         Bancorporation or any of its subsidiaries has any claim or right to be
         included in the Plan or to be granted an Award unless and until (i) he
         or she has become a Participant for the Plan Year in question and (ii)
         his or her Award has been made.

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