Document:

<PAGE>   1
                                                                    Exhibit 10.1

                             FIRST AMENDMENT TO THE
                      AMENDED AND RESTATED SCHEDULE TO THE
                AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT

         THIS AGREEMENT is entered into as of April __, 2000 by and among
Teamstaff, Inc., Teamstaff Solutions, Inc., DSI Staff Connxions Northeast, Inc.,
DSI Staff Connxions Southwest, Inc., Teamstaff Rx, Inc., Teamstaff VI, Inc.,
Teamstaff I, Inc., Teamstaff II, Inc., Teamstaff III, Inc., Teamstaff IV, Inc.,
Teamstaff V, Inc., Teamstaff IX, Inc., Teamstaff Insurance Services, Inc.,
Teamstaff VII, Inc., and Employer Support Services, Inc., having the addresses
as set forth in the Schedule (as hereinafter defined) (collectively, "Borrower")
and FINOVA Capital Corporation, whose address is 355 South Grand Avenue, Los
Angeles, California 90071 ("FINOVA").

                                    RECITALS

         Whereas, the Borrower and FINOVA entered into an "Amended And Restated
Loan And Security Agreement" dated January 25, 1999 (as same is being and may be
further modified or extended, the "Loan Agreement"); and

         Whereas, in addition to and as part of the Loan Agreement, the Borrower
and FINOVA entered into an "Amended And Restated Schedule To Amended And
Restated Loan And Security Agreement" dated January 25, 1999 (as same is being
and may be further modified or extended, the "Schedule"); and

         Whereas, Borrower and FINOVA have agreed to modify the terms of the
Loan Agreement and the Schedule as set forth in this agreement ("Agreement").

         Now, therefore, in consideration of FINOVA's continued extension of
credit and the agreements contained herein, the parties agree as follows:

                                    AGREEMENT

1)       ACKNOWLEDGMENT OF BALANCE. Borrower acknowledges that the most recent
         statement of account sent to Borrower with respect to the Obligations
         is correct.

2)       MODIFICATIONS. The Schedule be and hereby is modified as follows:

         (A)      The following definition is hereby added to the Section of the
         Schedule entitled "Definitions (Section 1)":

                  "Loan Year" shall mean each individual year during the life of
                  this credit facility, with the first Loan Year commencing on
                  the Closing Date and ending one year thereafter, and with the
                  subsequent Loan Years commencing on each anniversary of the
                  Closing Date and ending one year thereafter.

         (B)      The Total Facility set forth in the Section of the Schedule
         entitled "Total Facility (Section 2.1)" be and hereby is amended to be
         $12,500,000.00.

         (C)      The "Revolving Credit Loans" Subsection contained within the
         Section of the Schedule entitled "Loans (Section 2.2)" be and hereby is
         amended to read as follows:

                   REVOLVING CREDIT LOANS: A revolving line of credit,
                   terminating upon the expiration of the Initial Term (or, if
                   applicable, at the expiration of the last Renewal Term, if
                   any) consisting of loans against Borrower's Eligible
                   Receivables ("REVOLVING CREDIT Loans") in an aggregate
                   outstanding principal amount not to exceed the lesser of (a)
                   or (b) below:

                                    (a) THREE MILLION FIVE HUNDRED THOUSAND
                                    DOLLARS($3,500,000.00) (the "REVOLVING
                                    CREDIT LIMIT"), less the aggregate undrawn
                                    face amount of all Letters of Credit issued
                                    under Section 2.4 of this Agreement; less
                                    any Loan Reserves, or

                                    (b) the sum of an amount equal to (i) 85% of
                                    the aggregate net amount of Eligible
                                    Receivables of all Borrowers, less (ii) the
                                    aggregate undrawn face amount of all Letters
                                    of Credit issued under Section 2.4 of this
                                    Agreement; less any Loan Reserves. ----

         (D)      Subparagraph "3." of the "Term Loans" Subsection contained
         within the Section of the Schedule entitled "Loans (Section 2.2)", is
         deleted, and is replaced with new Subparagraph 3, to read as follows:
<PAGE>   2
         3.   TERM LOAN C
              A term loan ("TERM LOAN C") in the original principal amount of
              Four Million Dollars ($4,000,000.00); provided, that Term Loan C
              shall be on such terms as are set forth on the separate promissory
              note of the Borrowers in the form attached hereto as Exhibit
              2.2(c).

         (E)      Subparagraph "(ii)" of the "Term Interest Rate" Subsection
                  contained within the Section of the Schedule entitled
                  "Interest And Fees (Section 2.6)", is deleted, and is replaced
                  by new Subparagraph (ii), to read as follows:

                  (ii)     Term Loan C: Three percent (3%) in excess of the
                           Prime Rate.

         (F)      Subparagraph "3." of the "Success Fee" Subsection contained
                  within the Section of the Schedule entitled "Interest And Fees
                  (Section 2.6)", is deleted, and is replaced by new
                  Subparagraph 3, to read as follows:

         3.   TERM LOAN C.

              $1,500,000.00, of which $500,000.00 shall be deemed fully earned
              as of the beginning of each Loan Year and shall be payable at the
              earlier of (a) the end of each such Loan Year or (b) the
              prepayment of Term Loan C.

         (G)      The "Debt to Net Worth" Subsection of the Section of the
                  Schedule entitled "Financial Covenants (Section 6.1.13)" be
                  and hereby is amended to read as follows:

                  Debt to Net Worth. DSI and its subsidiaries shall maintain a
                  ratio of Indebtedness For Borrowed Money to Net Worth of not
                  greater than the ratio set forth for such period below:

<TABLE>
<CAPTION>
                                    Period                                          Ratio
                                    ------                                          -----
<S>                                 <C>                                             <C>
                                    March 1, 2000 - February 28, 2001               1.0 to 1.0
                                    March 1, 2001 - February 28, 2002               0.71 to 1.0
                                    March 1, 2002 and thereafter                    0.5 to 1.0
</TABLE>

         (H)      The "Debt Service Coverage Ratio" Subsection of the Section of
                  the Schedule entitled "Financial Covenants (Section 6.1.13)"
                  be and hereby is amended to read as follows:

                  Debt Service Coverage Ratio: As of the last day of each fiscal
                  quarter ending on each December 31, March 31, June 30, and
                  September 30, the ratio of Operating Cash Flow/Actual for the
                  consecutive 12-month period ending as of such last day to
                  Total Contractual Debt Service for such 12-month period must
                  be not less than the ratio set forth below for such period:

<TABLE>
<CAPTION>
                                    Measurement Date                                Ratio
                                    ----------------                                -----
<S>                                 <C>                                             <C>
                                    June 30, 2000                                   1.4 to 1.0
                                    September 30, 2000                              1.4 to 1.0
                                    December 31, 2000                               1.5 to 1.0
                                    March 31, 2001                                  1.5 to 1.0
                                    June 30, 2001                                   1.5 to 1.0
                                    September 30, 2001                              1.5 to 1.0
                                    December 31, 2001 and thereafter                1.6 to 1.0
</TABLE>

                  provided however, that, all such determinations shall be made
                  on a consolidated basis.

         (I)      The "Capital Expenditures" Subsection of the Section of the
                  Schedule entitled "Negative Covenants (Section 6.2)" be and
                  hereby is amended to read as follows:

                  Capital Expenditures: No Borrower shall make or incur any
                  Capital Expenditure if, after giving effect thereto, the
                  aggregate amount of all Capital Expenditures by the Borrowers
                  in any fiscal year would exceed $500,000.00.

         (J)      The "Indebtedness " Subsection of the Section of the Schedule
                  entitled "Negative Covenants (Section 6.2)" be and hereby is
                  amended to read as follows:

                  Indebtedness: Borrower shall not create, incur, assume or
                  permit to exist any Indebtedness for Borrowed Money (including
                  Indebtedness For Borrowed Money in connection with Capital
                  Lease) in excess of $500,000.00 other that the Indebtedness
                  permitted by Section 6.2.11.
<PAGE>   3
         (K)      The Promissory Notes previously attached to the Schedule as
                  Exhibits 2.2(a), 2.2(b) and 2.2(c) are deleted and replaced by
                  the Second Amended And Restated Secured Promissory Note A, the
                  Amended And Restated Secured Promissory Note B, and the
                  Secured Promissory Note C annexed hereto, which are now deemed
                  to be Exhibits 2.2(a), 2.2(b) and 2.2(c) to the Schedule,
                  respectively.

         (L)      "Loan Reserves" shall include an incrementally increasing
                  reserve commencing on May 15, 2000 in the amount of $100,000,
                  and increasing by $100,000 monthly on the last day of each
                  month thereafter through April 30, 2001. Such a reserve shall
                  be eliminated upon satisfactory proof to FINOVA that Borrower
                  has paid Outsource International, Inc., Synadyne I, Inc.,
                  Synadyne II, Inc., Synadyne III, Inc., Synadyne IV, Inc.,
                  Synadyne V, Inc., Guardian Employer East, LLC, and Guardian
                  Employer West, LLC all sums due to them pursuant to the Asset
                  Purchase Agreement dated on or about the date hereof.

3)       ACKNOWLEDGMENTS. Borrower acknowledges and represent that:

         (A)      The Term Loan C which was initially referenced in the Schedule
                  has been repaid in full and terminated prior to the date
                  hereof, and is replaced with a new Term Loan C.

         (B)      the Loan Agreement, the Schedule, and other Loan Documents, as
                  amended hereby, are in full force and effect without any
                  defense, claim, counterclaim, right or claim of set-off;

         (C)      after giving effect to this Agreement, no Default or Event of
                  Default under the Loan Documents has occurred;

         (D)      no default by FINOVA in the performance of its duties under
                  the Loan Agreement, the Schedule, or the other Loan Documents
                  has occurred;

         (E)      all representations and warranties contained herein and in the
                  other Loan Documents are true and correct as of this date;

         (F)      Borrower has taken all necessary action to authorize the
                  execution and delivery of this Agreement; and

         (G)      this Agreement is a modification of an existing obligation and
                  is not a novation.

4)       COLLATERAL. Borrower acknowledges and confirms that there have been no
         changes in the ownership of any collateral pledged and/or mortgaged to
         secure the Obligations (the "Collateral") since the Collateral was
         originally pledged and/or mortgaged; that FINOVA has existing, valid
         first priority security interests and liens in the Collateral; and that
         such security interests and liens shall secure the Borrower's
         Obligations to FINOVA, including those due under and/or as a result of
         the Term Loan C Note, and all future modifications, extensions,
         renewals and/or replacements thereof, hereof, or of the Loan Documents.

5)       PRECONDITIONS. As a precondition to the effectiveness of any of the
         modifications contained herein, the Borrower agrees to:

         (A)      provide FINOVA with a resolution, in form and substance
                  acceptable to FINOVA, which approves the transaction
                  contemplated hereby.

         (B)      execute and deliver the Second Amended And Restated Secured
                  Promissory Note A, the Amended And Restated Secured Promissory
                  Note B, The Secured Promissory Note C, and the Request for
                  Disbursement.

         (C)      Cause the execution and delivery of the Reaffirmation of
                  Support Agreement by Donald T. Kelly.

         (D)      Cause the execution and delivery of the Opinion Letter of
                  Goldstein & DiGioia, LLP, counsel to the Borrowers, in form
                  and substance satisfactory to FINOVA.

         (E)      Cause the execution and delivery of the Certificate of Chief
                  Financial Officer of Digital Solutions, Inc.

         (F)      provide all documentation required by the Closing Agenda dated
                  on or about the date hereof, prepared by counsel for FINOVA in
                  connection with this transaction.

         (G)      provide proof of $1,500,000.00 in excess availability after
                  giving effect to the transactions contemplated hereby and/or
                  conducted concurrently herein.

         (H)      pay FINOVA a closing fee of $50,000.00.
<PAGE>   4
         (I)      pay all fees and costs incurred by FINOVA in entering into
                  this Agreement and the other documents executed in connection
                  herewith.

6)       MISCELLANEOUS. This Agreement shall be construed in accordance with and
         governed by the laws of the applicable state as originally provided in
         the Loan Documents, without reference to that state's conflicts of law
         principles. This Agreement and the other Loan Documents constitute the
         sole agreement of the parties with respect to the subject matter
         thereof and supersede all oral negotiations and prior writings with
         respect to the subject matter thereof. No amendment of this Agreement,
         and no waiver of any one or more of the provisions hereof shall be
         effective unless set forth in writing and signed by the parties hereto.
         The illegality, unenforceability or inconsistency of any provision of
         this Agreement shall not in any way affect or impair the legality,
         enforceability or consistency of the remaining provisions of this
         Agreement or the other Loan Documents. This Agreement and the other
         Loan Documents are intended to be consistent. However, in the event of
         any inconsistencies among this Agreement and any of the Loan Documents,
         the terms of this Agreement, then the Loan Agreement and Schedule,
         shall control. This Agreement may be executed in any number of
         counterparts and by the different parties on separate counterparts.
         Each such counterpart shall be deemed an original, but all such
         counterparts shall together constitute one and the same agreement.
         Terms used in this Agreement which are capitalized and not otherwise
         defined herein shall have the meanings ascribed to such terms in the
         Loan Documents.

7)       DEFINITIONS. The terms used herein and not otherwise defined or
         modified herein shall have the meanings ascribed to them in the Loan
         Agreement. The terms used herein and not otherwise defined or modified
         herein or defined in the Loan Agreement shall have the meanings
         ascribed to them by the Uniform Commercial Code as enacted in New
         Jersey.

IN WITNESS WHEREOF, the undersigned have signed and sealed this Agreement the
day and year first above written.

ATTEST:                              TEAMSTAFF, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, President

ATTEST:                              TEAMSTAFF SOLUTIONS, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, President

ATTEST:                              DSI STAFF CONNXIONS NORTHEAST, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, President

ATTEST:                              DSI STAFF CONNXIONS SOUTHWEST, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, President
<PAGE>   5
ATTEST:                              TEAMSTAFF RX, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, President

ATTEST:                              TEAMSTAFF VI, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

ATTEST:                              TEAMSTAFF I, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

ATTEST:                              TEAMSTAFF II, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

ATTEST:                              TEAMSTAFF III, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

ATTEST:                              TEAMSTAFF IV, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

ATTEST:                              TEAMSTAFF V, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

ATTEST:                              TEAMSTAFF IX, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman
<PAGE>   6
ATTEST:                              TEAMSTAFF INSURANCE SERVICES, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

ATTEST:                              TEAMSTAFF VIII, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

ATTEST:                              EMPLOYER SUPPORT SERVICES, INC.

______________________________       BY:___________________________________
C. Donald Kelly, Secretary                   Donald Kappauf, Chairman

                                     FINOVA CAPITAL CORPORATION

                                     BY:___________________________________
                                             Ilene Gerber, Vice President
<PAGE>   7
                            GUARANTOR'S RATIFICATION

         Each of the undersigned Guarantors hereby reaffirms their continuing
obligations under the terms of their Continuing Corporate Guaranty agreements
dated as of April 28, 1998, and acknowledge that (i) they have read this First
Amendment To The Amended And Restated Schedule To The Amended And Restated Loan
And Security Agreement, (ii) the Obligations and advances described herein are
secured by their guaranty agreements, and (iii) they make such reaffirmation
with full knowledge of the terms hereof including without limitation the
increased obligations of the Borrower to FINOVA.

ATTEST:                              DSI INSURANCE SERVICES, INC.

____________________________         By:_________________________________
_______________, Secretary                   _______________, President<PAGE>   1
                                                                    Exhibit 10.2

              SECOND AMENDED AND RESTATED SECURED PROMISSORY NOTE A

$1,541,659.00                                                   Phoenix, Arizona
                                                                April    , 2000

                  FOR VALUE RECEIVED, TEAMSTAFF, INC., a New Jersey Corporation,
TEAMSTAFF SOLUTIONS, INC., a New York Corporation, DSI STAFF CONNXIONS
NORTHEAST, INC., a New Jersey Corporation, DSI STAFF CONNXIONS SOUTHWEST, INC.,
a Texas Corporation, TEAMSTAFF RX, INC., a Texas Corporation, TEAMSTAFF VI,
INC., a Florida Corporation, TEAMSTAFF I, INC., a Florida Corporation, TEAMSTAFF
II, INC., a Florida Corporation, TEAMSTAFF III, INC., a Florida Corporation,
TEAMSTAFF IV, INC., a Florida Corporation, TEAMSTAFF V, INC., a Florida
Corporation, TEAMSTAFF IX, INC., a Florida Corporation, TEAMSTAFF INSURANCE
SERVICES, INC., a Florida Corporation, TEAMSTAFF VIII, INC., and EMPLOYER
SUPPORT SERVICES, INC., a Florida Corporation (collectively, "Borrower"),
promises to pay to the order of FINOVA CAPITAL CORPORATION, a Delaware
corporation ("FINOVA"), at its offices at 355 South Grand Avenue, Suite 2400,
Los Angeles, California 90071, or at such other place or places as FINOVA may
from time to time designate in writing, the principal sum of One Million Five
Hundred Forty-one Thousand Six Hundred Fifty Nine Dollars ($1,541,659.00), plus
interest in the manner and upon the terms and conditions set forth below. This
Second Amended and Restated Secured Promissory Note ("Note") is made pursuant to
that certain Amended And Restated Loan and Security Agreement dated January 25,
1999, as amended, between the FINOVA and Borrower (the "Loan Agreement"), the
provisions of which are incorporated herein by this reference. Capitalized terms
herein, unless otherwise noted, shall have the meaning set forth in the Loan
Agreement. This Note represents the outstanding principal balance of the Amended
And Restated Secured Promissory Note A dated January 25, 1999 in the original
amount of $2,166,664.00 and is being entered into to restate certain terms
thereof not as evidence of a new indebtedness, and is not a novation.

1.0      SCHEDULE OF PAYMENTS; RATE AND PAYMENT OF INTEREST; PREPAYMENT.

                  1.1 The amounts due under this Note shall be payable as
follows:

                  a. Thirty-six (36) equal successive monthly installments of
principal of Forty-One Thousand Six Hundred Sixty-Seven and 00/100 Dollars
($41,667.00) each on the first day of each month, beginning May 1, 2000, and
continuing through and including April 1, 2003; and

                  b. A final installment equal to the then unpaid principal
balance hereof on April 30, 2003; and

                  c. With each of the foregoing payments accompanied by payment
of accrued interest on the principal balance from time to time remaining unpaid,
payable monthly on the first day of each and every month, beginning May 1, 2000.
<PAGE>   2
                  1.2 Prepayment may be made under this Note in whole but not in
part, subject to, in the case of prepayment in whole, the Termination Fee and
Success Fee set forth in the Loan Agreement, provided that such prepayment is
preceded by not less than five (5) business days prior written notice to FINOVA
and accompanied by all accrued by unpaid interest and the full amount of the
applicable Termination Fee, if any, and Success Fee. Notwithstanding anything
herein to the contrary, in the event is terminated by Borrower, by FINOVA or by
any other person at any time, or the Revolving Credit Loans facility is
otherwise terminated for any reason, then the entire unpaid principal balance of
this Note, together with all accrued and unpaid interest hereon and the full
amount of the applicable Termination Fee and Success Fee, shall become
immediately due and payable in full on the effective date of such termination,
without presentment, notice or demand of any kind.

                  1.3 Interest shall be computed on the basis of a 360-day year
for the actual number of days elapsed, and shall be at the rate of three
percentage (3%) points above the Prime Rate (as hereinafter defined), computed
on the basis of a 360-day year; provided, however, upon the occurrence and
during the continuance of an event of default (as hereinafter defined), interest
shall accrue on the outstanding principal balance of this Note at a default rate
(the "Default Rate") of five (5) percentage points above the Prime Rate, and
shall be payable on demand. "Prime Rate" means, for any day, the rate of
interest per annum (over a year of 360 days) announced by Citibank, N.A. (the
"Bank"), from time to time, as its "base rate" (or any successor thereto) in
effect on such day. The Prime Rate is not necessarily the lowest rate charged by
the Bank. The applicable rate of interest assessed hereunder will be increased
or decreased from time to time hereafter in an amount equal to any increase or
decrease hereafter made by the Bank in the Prime Rate. A change in the Prime
Rate shall be effective on the first day following such change.

2.0      EVENTS OF DEFAULTS; REMEDIES.

                  2.1 Upon the occurrence of any Event of Default under and as
defined in the Loan Agreement, in addition to FINOVA's right to charge interest
on the Obligations at the Default Rate: (a) at the option of FINOVA, the entire
unpaid amount of all of the Obligations, including without limitation the
Termination Fee, shall become immediately due and payable without demand, notice
or legal process of any kind; (b) FINOVA may, at its option, without demand,
notice or legal process of any kind, exercise any and all rights and remedies
granted to it by the Loan Agreement or by any other agreement now or hereafter
existing between FINOVA and Borrower or between FINOVA and any guarantor of part
or all of Borrower's liabilities to FINOVA; and (c) FINOVA may at its option
exercise from time to time any other rights and remedies available to it under
the Uniform Commercial Code or other law of the State of Arizona.

                  2.2 The remedies of FINOVA as provided herein and in the Loan
Agreement shall be cumulative and concurrent, and may be pursued singularly,
successively, or together, at the sole discretion of FINOVA. No act of omission
or commission of FINOVA, including specifically any failure to exercise any
right, remedy or recourse, shall be deemed to be a waiver or release of the
same, such waiver or release to be effected only through a written document

                                      -2-
<PAGE>   3
executed by FINOVA and then only to the extent specifically recited therein. A
waiver or release with reference to any one event shall not be construed as
continuing, as a bar to, or as a waiver or release of, any subsequent right,
remedy or recourse as to a subsequent event.

3.0      GENERAL PROVISIONS.

                  3.1 Borrower warrants and represents to FINOVA that Borrower
has used and will continue to use the loans and advances represented by this
Note solely for proper business purposes, and consistent with all applicable
laws and statutes.

                  3.2 This Note is secured by the Collateral described in the
Loan Agreement.

                  3.3 Borrower waives presentment, demand and protest, notice of
protest, notice of presentment and all other notices and demands in connection
with the enforcement of FINOVA's rights hereunder, except as specifically
provided and called for by this Note, and hereby consents to, and waives notice
of, the release, addition, or substitution, with or without consideration, of
any collateral or of any person liable for payment of this Note. Any failure of
FINOVA to exercise any right available hereunder or otherwise shall not be
construed as a waiver of the right to exercise the same or as a waiver of any
other right at any other time.

                  3.4 If this Note is not paid when due or upon the occurrence
of an Event of Default, Borrower further promises to pay all costs of
collection, foreclosure fees, attorneys fees and expert witness fees incurred by
FINOVA, whether or not suit is filed hereon, and the fees, costs and expenses as
provided in the Loan Agreement.

                  3.5 The contracted for rate of interest of the loan
contemplated hereby, without limitation, shall consist of the following: (i) the
interest rate set forth on the Schedule, calculated and applied to the principal
balance of this Note in accordance with the provisions of this Note: (ii)
interest after an Event of Default, calculated and applied to the amounts due
under this Note in accordance with the provisions hereof; and (iii) all
Additional Sums (as herein defined), if any. Borrower agrees to pay an effective
contracted for rate of interest which is the sum of the above-referenced
elements. All examination fees, attorneys fees, expert witness fees, letter of
credit fees, collateral monitoring fees, closing fees, facility fees,
Termination Fees, Minimum Interest Charges, other charges, goods, things in
action or any other sums or things of value paid or payable by Borrower
(collectively, the "Additional Sums"), whether pursuant to this Note, the Loan
Agreement or any other documents or instruments in any way pertaining to this
lending transaction, or otherwise with respect to this lending transaction, that
under any applicable law may be deemed to be interest with respect to this
lending transaction, for the purpose of any applicable law that may limit the
maximum amount of interest to be charged with respect to this lending
transaction, shall be payable by Borrower as, and shall be deemed to be,
additional interest and for such purposes only, the agreed upon and "contracted
for rate of interest" of this lending transaction shall be deemed to be
increased by the rate of interest resulting from the inclusion of the Additional
Sums.

                  3.6 It is the intent of the parties to comply with the usury
law of the State of Arizona (the "Applicable Usury Law"). Accordingly, it is
agreed that notwithstanding any

                                      -3-
<PAGE>   4
provisions to the contrary in this Note, or in any of the documents securing
payment hereof or otherwise relating hereto, in no event shall this Note or such
documents require the payment or permit the collection of interest in excess of
the maximum Interest Rate, then in any such event (1) the provisions of the
paragraph shall govern and control, (2) neither Borrower nor any other person or
entity now or hereafter liable for the payment hereof shall be obligated to pay
the amount of such interest to the extent that it is in excess of the Maximum
Interest Rate, (3) any such excess which may have been collected shall be either
applied as a credit against the then unpaid principal amount hereof or refunded
to Borrower, at FINOVA's option, and (4) the effective rate of interest shall be
automatically reduced to the Maximum Interest Rate. It is further agreed,
without limiting the generality of the foregoing, that to the extent permitted
by the Applicable Usury Law; (x) all calculations of interest which are made for
the purpose of determining whether such rate would exceed the Maximum Interest
Rate shall be made by amortizing, prorating, allocating and spreading during the
period of the full stated term of the loan evidenced hereby, all interest at any
time contracted for, charged or received from Borrower or otherwise in
connection with such loan; and (y) in the event that the effective rate of
interest on the loan should at any time exceed the Maximum Interest Rate, such
excess interest that would otherwise have been collected had there been no
ceiling imposed by the Applicable Usury Law shall be paid to FINOVA from time to
time, if and when the effective interest rate on the loan otherwise fall below
the Maximum Interest Rate, until the entire amount of interest which would
otherwise have been collected had there been no ceiling imposed by the
Applicable Usury Law has been paid in full. Borrower further agrees that should
the Maximum Interest Rate be increased at any time hereafter because of a change
in the Applicable Usury Law, then to the extent not prohibited by the Applicable
Usury Law, such increases shall apply to all indebtedness evidenced hereby
regardless of when incurred; but, again to the extent not prohibited by the
Applicable Usury Law, should the maximum Interest Rate be decreased because of a
change in the Applicable Usury Law, such decreases shall not apply to the
indebtedness evidenced hereby regardless of when incurred.

                  3.7 FINOVA may at any time transfer this Note and FINOVA's
rights in any or all collateral securing this Note, and FINOVA thereafter shall
be relieved from all liability with respect to such collateral arising after the
date of such transfer.

                  3.8 This Note shall be binding upon Borrower and its legal
representatives, successors and assigns. Wherever possible, each provision of
this Note shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision of the Note shall be prohibited by or
invalid under such law, such provision shall be severable, and be ineffective to
the extent of such prohibition or invalidity, without invalidating the remaining
provision of this Note.

                  THIS NOTE HAS BEEN DELIVERED FOR ACCEPTANCE BY FINOVA IN
PHOENIX, ARIZONA AND SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE
INTERNAL LAWS (AS OPPOSED TO THE CONFLICTS OF LAW PROVISIONS) OF THE STATE OF
ARIZONA, AS THE SAME MAY FROM TIME TO TIME BE IN EFFECT, INCLUDING, WITHOUT
LIMITATION, THE UNIFORM COMMERCIAL CODE AS ADOPTED IN ARIZONA. BORROWER

                                      -4-
<PAGE>   5
HEREBY (i) IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY STATE OR FEDERAL COURT
LOCATED IN MARICOPA COUNTY, ARIZONA OVER ANY ACTION OR PROCEEDING TO ENFORCE OR
DEFEND ANY MATTER ARISING FROM OR RELATED TO THIS NOTE; (ii) WAIVES PERSONAL
SERVICE OF ANY AND ALL PROCESS UPON BORROWER, AND CONSENTS THAT ALL SUCH SERVICE
OF PROCESS BE MADE BY MESSENGER, CERTIFIED MAIL OR REGISTERED MAIL DIRECTED TO
BORROWER AT THE ADDRESS SET FORTH BELOW AND SERVICE SO MADE SHALL BE DEEMED TO
BE COMPLETED UPON THE EARLIER OF ACTUAL RECEIPT OR THREE (3) DAYS AFTER THE SAME
SHALL HAVE BEEN POSTED TO BORROWER'S ADDRESS; (iii) IRREVOCABLY WAIVES, TO THE
FULLEST EXTENT BORROWER MAY EFFECTIVELY DO SO, THE DEFENSE OF AN INCONVENIENT
FORUM TO THE MAINTENANCE OF ANY SUCH ACTION OR PROCEEDING; (iv) AGREES THAT A
FINAL JUDGMENT IN ANY SUCH ACTION OR PROCEEDING SHALL BE CONCLUSIVE AND MAY BE
ENFORCED IN ANY OTHER JURISDICTION BY SUIT ON THE JUDGMENT OR IN ANY OTHER
MANNER PROVIDED BY LAW; (v) AGREES NOT TO INSTITUTE ANY LEGAL ACTION OR
PROCEEDING AGAINST FINOVA OR ANY OF FINOVA'S DIRECTORS, OFFICERS, EMPLOYEES,
AGENTS OR PROPERTY, CONCERNING ANY MATTER ARISING OUT OF OR RELATING TO THIS
NOTE IN ANY COURT OTHER THAN ONE LOCATED IN MARICOPA COUNTY, ARIZONA; AND (vi)
IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION ARISING UNDER OR
IN CONNECTION WITH THIS NOTE. NOTHING IN THIS PARAGRAPH SHALL AFFECT OR IMPAIR
FINOVA'S RIGHT TO SERVE LEGAL PROCESS IN ANY MANNER PERMITTED BY LAW OR FINOVA'S
RIGHT TO BRING ANY ACTION OR PROCEEDING AGAINST BORROWER OR BORROWER'S PROPERTY
IN THE COURTS OF ANY OTHER JURISDICTION.

TEAMSTAFF, INC., a New Jersey Corporation

Fed. Tax ID #22-1899798

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  President
Address:  300 Atrium Drive, Somerset, New Jersey  08773

                                      -5-
<PAGE>   6
TEAMSTAFF SOLUTIONS, INC., a New Jersey Corporation
Fed. Tax ID #:13-2878077

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  President
Address:  245 Fifth Avenue, Suite 1003, New York, New York  10016

DSI STAFF CONNXIONS NORTHEAST, INC., a New Jersey Corporation
Fed. Tax ID #: 22-3405060

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  President
Address:  300 Atrium Drive, Somerset, New Jersey  08773

TEAMSTAFF RX, INC., a Texas Corporation
Fed. Tax ID #: 76-0451040

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  President
Address:  2 Northpoint Drive, Suite 110, Houston, Texas 77060

DSI STAFF CONNXIONS-SOUTHWEST, INC., a Texas Corporation
Fed. Tax ID #: 76-0422152

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  President
Address: 2 Northpoint Drive, Suite 110, Houston, Texas 77060

                                      -6-
<PAGE>   7
TEAMSTAFF VI, INC., a Florida corporation
Fed. Tax ID #: 59-2988438

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address: 1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

TEAMSTAFF I, INC., A Florida corporation
Fed. Tax ID #: 59-3067619

 By:   _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address:  1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

TEAMSTAFF, II, INC., a Florida corporation
Fed. Tax ID #: 59-3277121

 By:   _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address: 1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

TEAMSTAFF, III, INC., a Florida corporation
Fed. Tax ID #:  59-3277124

 By:   _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address: 1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

                                      -7-
<PAGE>   8
TEAMSTAFF, IV, INC., a Florida corporation
Fed. Tax ID #: 59-3277126

 By:   _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address:  1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

TEAMSTAFF V, INC., a Florida corporation
Fed. Tax ID #: 59-3277127

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address:  1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

TEAMSTAFF IX, INC., a Florida corporation
Fed. Tax ID #: 59-2988440

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address:  1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

TEAMSTAFF INSURANCE SERVICES, INC., a Florida corporation
Fed. Tax ID #: 59-2988436

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address:  1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

                                      -8-
<PAGE>   9
TEAMSTAFF VIII, INC., a Florida corporation
Fed. Tax ID #: 59-3236075

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address:  1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

EMPLOYER SUPPORT SERVICES, INC., a Florida corporation
Fed. Tax ID #: 59-2988443

By:    _________________________________
       Name:  Donald W. Kappauf
       Title:  Chairman
Address:  1211 N. Westshore Blvd., Suite 806, Tampa, FL  33607

                                      -9-

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