Document:

<PAGE>   1

                                                                        EX-10.31

                      SEVENTH AMENDMENT TO CREDIT AGREEMENT

                           SEVENTH AMENDMENT dated as of December 6, 1999 (the
                  "Seventh Amendment"), to the Amended and Restated Credit
                  Agreement dated as of October 15, 1997, (as amended by the
                  First Amendment dated as of June 26, 1998, the Second
                  Amendment dated as of November 13, 1998, the Third Amendment
                  dated as of March 31, 1999, the Fourth Amendment dated as of
                  April 30, 1999, the Fifth Amendment dated as of September 30,
                  1999, Sixth Amendment dated as of November 15, 1999 and the
                  Amended and Restated Credit Agreement as so amended being
                  referred to herein as the "Credit Agreement"), among Firearms
                  Training Systems, Inc., as Parent (the "Parent"), FATS, Inc.,
                  as Borrower (the "Borrower"), the lenders listed on the
                  signature pages thereto (the "Lenders"), Bank of America,
                  N.A., as Agent, (in such capacity, the "Agent"), Swingline
                  Lender and Issuing Bank.

         The Borrower has advised the Agent that it does not have sufficient
funds to pay interest on the Loans that is due and payable on December 3, 1999
and that the failure to pay such interest would constitute an Event of Default
under the Credit Agreement. The Parent and the Borrower have requested that the
payment of past due interest on the Loans be deferred. The parties hereto have
agreed, subject to the terms and conditions hereof, to further amend the Credit
Agreement as provided herein.

         Capitalized terms used and not otherwise defined herein shall have the
meanings assigned to such terms in the Credit Agreement (the Credit Agreement,
as amended by, and together with, this Seventh Amendment, and as hereinafter
amended, modified, extended or restated from time to time, being called the
"Amended Agreement").

         Accordingly, the parties hereto hereby agree as follows:

         SECTION 1.01. Amendment to Article V. Article V of the Credit Agreement
is hereby amended by the insertion of a new Section 5.15 as follows:

                  SECTION 5.15. Best Efforts to Obtain New Capital. The Parent
         and the Borrower shall use their best efforts to consider and evaluate
         all potential sources of obtaining substantial amounts of new capital
         (including, without limitation, current equity holders, private
         investors, merger partners and public markets) and to negotiate with
         all such sources in good faith.

         SECTION 1.02. Amendment to Article VII (c). Article VII (c) of the
Credit Agreement is deleted and the following inserted in lieu thereof:

                  (c) default shall be made in the due observance by the
         Borrower or any other Loan Party of any covenant, condition, or
         agreement contained in Section 5.04, 5.05, 5.08, 5.11 or 5.15 hereof or
         in Article VI;

         SECTION 1.03. Amendment to Article VII. Article VII of the Credit
Agreement is hereby amended by deleting the "or" at the end of sub-Article (p),
inserting new sub-Articles (r) and (s) as follows:

                  (r) the Parent shall fail to enter into a binding agreement
         with a third party on or before December 31, 1999, relating to the
         infusion of new capital from investors or merger partners containing
         terms and conditions acceptable to the Lenders in their sole and
         absolute discretion; or

                  (s) any agreement described in sub-Article (r) above is not
         consummated on or before March 15, 2000.

         SECTION 1.04. Deferral of Payment of Interest Due. Notwithstanding
anything contained in the Amended Agreement or any of the other Loan Documents
to the contrary, the Deferred Payments (hereinafter defined) shall be due and
payable in full on December 31, 1999. For purposes of this Section 1.04,
"Deferred Payments" shall mean all interest and other amounts due on the Loans
which became due and payable on or before December 6, 1999 (without regard to
any period of grace, if any) and which has not been paid to the Lenders as of
the date hereof.

         SECTION 1.05. Representations and Warranties. The Borrower hereby
represents and warrants to the Agents and the Lenders, as follows:

                                    Page 17

<PAGE>   2

                  (a) The representations and warranties set forth in Article
         III of the Amended Agreement, and in each other Loan Document,
         including any Schedules thereto, are true and correct in all material
         respects on and as of the date hereof and on and as of the Seventh
         Amendment Effective Date (as defined below) with the same effect as if
         made on and as of the date hereof or the Seventh Amendment Effective
         Date, as the case may be, except to the extent such representations and
         warranties expressly relate solely to an earlier date.

                  (b) Each of the Borrower and the other Loan Parties is in
         compliance with all the terms and conditions of the Amended Agreement
         and the other Loan Documents on its part to be observed or performed
         including, without limitation, the obligation to pay all principal and
         interest due on and prior to the date hereof and no Default or Event of
         Default has occurred or is continuing under the Amended Agreement,
         other than the Defaults or Events of Default described in Section 1.02
         of the Sixth Amendment.

                  (c) The execution, delivery and performance by the Borrower
         and the Parent of this Seventh Amendment have been duly authorized by
         the Borrower.

                  (d) This Seventh Amendment constitutes the legal, valid and
         binding obligation of the Borrower, enforceable against the Borrower in
         accordance with its terms, subject to the effect of bankruptcy,
         insolvency, reorganization, arrangement, moratorium, fraudulent
         conveyance, voidable preference or similar laws and the application of
         equitable principles generally.

                  (e) The execution, delivery and performance by the Borrower of
         this Seventh Amendment (i) does not conflict with or violate (A) any
         provision of law, statute, rule or regulation, or of the articles of
         incorporation or by-laws of the Borrower, (B) any order of any
         Governmental Authority or (C) any provision of any indenture, agreement
         or other instrument to which the Borrower is a party or by which it or
         any of its property may be bound and (ii) does not require any consents
         under, result in a breach of or constitute (alone or with notice or
         lapse of time or both) a default or give rise to increased, additional,
         accelerated or guaranteed rights of any person under any such
         indenture, agreement or instrument.

         SECTION 1.06. Effectiveness. This Seventh Amendment shall become
effective as of December 6, 1999 (the "Seventh Amendment Effective Date") upon
satisfaction of the following conditions precedent:

                  (a) The Agent shall have received duly executed counterparts
         of this Seventh Amendment which, when taken together, bear the
         authorized signatures of the Parent, the Borrower and all the Lenders.

                  (b) The Lenders shall be satisfied that the representations
         and warranties set forth in Section 1.05 hereof are true and correct on
         and as of the Seventh Amendment Effective Date.

                  (c) There shall not be any action pending or any judgment,
         order or decree in effect which, in the judgment of the Lenders or
         their counsel, is likely to restrain, prevent or impose materially
         adverse conditions upon performance by the Borrower or any other Loan
         Party of its obligations under the Loan Documents.

                  (d) The Lenders shall have received such other documents,
         legal opinions, instruments and certificates as they shall reasonably
         request and such other documents, legal opinions, instruments and
         certificates shall be satisfactory in form and substance to the Lenders
         and their counsel. All corporate and other proceedings taken or to be
         taken in connection with this Seventh Amendment and all documents
         incidental thereto, whether or not referred to herein, shall be
         satisfactory in form and substance to the Lenders and their counsel.

                  (e) The Agent shall have received payment of and all fees and
         expenses set forth in Section 1.08.

         SECTION 1.07. APPLICABLE LAW. THIS SEVENTH AMENDMENT SHALL BE GOVERNED
BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK, EXCEPT
TO THE EXTENT THAT THE FEDERAL LAWS OF THE UNITED STATES OF AMERICA MAY APPLY.

         SECTION 1.08. Fees and Expenses. The Borrower shall pay all reasonable
out-of-pocket expenses incurred by the Agent and the Lenders in connection with
the preparation, negotiation, execution, delivery and enforcement of this
Seventh Amendment, including, but not limited to, the reasonable fees and
disbursements of counsel.

                                    Page 18

<PAGE>   3

         SECTION 1.09. Counterparts. This Seventh Amendment may be executed in
any number of counterparts, each of which shall constitute an original but all
of which when taken together shall constitute but one agreement. Delivery by
facsimile by any of the parties hereto of an executed counterpart of this
Seventh Amendment shall be as effective as an original executed counterpart
hereof and shall be deemed a representation that an original executed
counterpart hereof will be delivered, but the failure to deliver a manually
executed counterpart shall not affect the validity, enforceability or binding
effect of this Seventh Amendment.

         SECTION 1.10. Credit Agreement. Except as expressly set forth herein,
the amendments provided herein shall not by implication or otherwise limit,
constitute a waiver of, or otherwise affect the rights and remedies of the
Lenders, the Agent or the other Secured Parties under the Amended Agreement or
any other Loan Document, nor shall they constitute a waiver of any Default or
Event of Default, nor shall they alter, modify, amend or in any way affect any
of the terms, conditions, obligations, covenants or agreements contained in the
Amended Agreement or any other Loan Document. Each of the amendments provided
herein shall apply and be effective only with respect to the provisions of the
Amended Agreement specifically referred to by such amendment. Except as
expressly amended herein, the Amended Agreement shall continue in full force and
effect in accordance with the provisions thereof. As used in the Amended
Agreement, the terms "Agreement", "herein", "hereinafter", "hereunder", "hereto"
and words of similar import shall mean, from and after the date hereof, the
Amended Agreement.

         IN WITNESS WHEREOF, the parties hereto have caused this Seventh
Amendment to be duly executed by their duly authorized officers, all as of the
date first above written.

                                  FIREARMS TRAINING SYSTEMS, INC.
                                  as Parent

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

                                  FATS, INC.
                                  as Borrower

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

                                  BANK OF AMERICA, N.A., as Agent, Swingline
                                  Lender and Issuing Bank and individually as
                                  a Lender

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

                                  U.S. BANK NATIONAL ASSOCIATION

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

                                    Page 19

<PAGE>   4

                                  FIRST SOURCE FINANCIAL LLP, by First Source
                                  Financial, Inc., as Agent/Manager

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

                                  BHF (USA) CAPITAL CORPORATION

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

                                  BANK AUSTRIA CREDITANSTALT CORPORATE
                                  FINANCE, INC. (FKA CREDITANSTALT CORPORATE
                                  FINANCE, INC.)

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

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

AGREED and CONSENTED,
as of the date first above written:

DART INTERNATIONAL, INC.

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

FIREARMS TRAINING SYSTEMS, INC.

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

                                    Page 20<PAGE>   1

                                                                        EX-10.32

                       EIGHTH AMENDMENT TO CREDIT FACILITY

                           EIGHTH AMENDMENT dated as of December 31, 1999 (the
                  "Eighth Amendment"), to the Amended and Restated Credit
                  Agreement dated as of October 15, 1997, (as amended by the
                  First Amendment dated as of June 26, 1998, the Second
                  Amendment dated as of November 13, 1998, the Third Amendment
                  dated as of March 31, 1999, the Fourth Amendment dated as of
                  April 30, 1999, the Fifth Amendment dated as of September 30,
                  1999, Sixth Amendment dated as of November 15, 1999, and
                  Seventh Amendment dated as of December 6, 1999 (the Amended
                  and Restated Credit Agreement as so amended being referred to
                  herein as the "Credit Agreement"), among Firearms Training
                  Systems, Inc., as Parent (the "Parent"), FATS, Inc., as
                  Borrower (the "Borrower"), the lenders listed on the signature
                  pages thereto (the "Lenders"), Bank of America, N.A., as
                  Agent, (in such capacity, the "Agent"), Swingline Lender and
                  Issuing Bank.

         The Borrower has advised the Agent that it does not have sufficient
funds to pay all of the interest on the Loans that is due and payable on
December 31, 1999, including without limitation, the Deferred Interest (as
defined in the Seventh Amendment) and interest which has become due since
December 6, 1999. The failure to pay all of such interest would constitute an
Event of Default under the Credit Agreement. The Borrower also has advised the
Agent that it has used its best efforts to comply with Article VII, subsection
(r) of the Credit Agreement, but has failed to comply therewith. The Parent and
the Borrower have requested that a portion of interest on the Loans on December
31, 1999 in the aggregate amount of $1,402,395.89 be deferred and that relief
from Article VII, subsection (r) be granted. The parties hereto have agreed,
subject to the terms and conditions hereof, to further amend the Credit
Agreement as provided herein.

         Capitalized terms used and not otherwise defined herein shall have the
meanings assigned to such terms in the Credit Agreement (the Credit Agreement,
as amended by, and together with, this Eighth Amendment, and as hereinafter
amended, modified, extended or restated from time to time, being called the
"Amended Agreement").

         Accordingly, the parties hereto hereby agree as follows:

         SECTION 1.01. Amendment to Section 5.15. Section 5.15 of the Credit
Agreement is hereby deleted and replaced by the insertion of a new Section 5.15
as follows:

                  SECTION 5.15. Obtain New Capital. The Parent and the Borrower
                  shall:

                           (a) use their best efforts to consider, evaluate and
                  pursue all potential sources of obtaining substantial amounts
                  of new capital (including, without limitation, current equity
                  holders, private investors, merger partners and public
                  markets) and to negotiate with all such potential sources of
                  capital (the "Potential Investors") in good faith;

                           (b) by January 27, 2000, present term sheet(s) from
                  Potential Investors setting forth the available alternatives
                  to the Parent's Board of Directors to be approved; and

                           (c) by January 27, 2000, obtain the approval of the
                  Parent's Board of Directors to enter into a letter of intent
                  with the one of the Potential Investors and obtain the
                  commitment of the Parent's principal shareholder to support
                  the transaction so approved.

                           (d) by January 31, 2000, enter into a letter of
                  intent (the "Letter of Intent") with a Potential Investor to
                  make an investment in the Parent/Borrower on terms approved by
                  the Parent's Board of Directors and acceptable to the Lenders
                  which shall be in form and substance acceptable to the Lenders
                  in their sole and absolute discretion; and

                           (e) by February 15, 2000, enter into a binding
                  agreement with such Potential Investor pursuant to the Letter
                  of Intent, subject to normal and usual contingencies, such as
                  due diligence and shareholder votes, but such agreement shall
                  be in all respects acceptable to the Lenders in their sole and
                  absolute discretion.

         SECTION 1.02. Amendment to Article VII. Article VII of the Credit
Agreement is hereby amended by deleting sub-Articles VII (r) and (s), inserting
the following in lieu thereof:

                                    Page 21

<PAGE>   2

                  (r) the Borrower (x) receives information that the Russian
         Contract has been preliminarily awarded to another bidder, or (y)
         receives notification that it will not be, or likely will not be,
         awarded the Russian Contract; or

                  (s) the agreement described in Section 5.15 (e) above is not
         consummated and the investment provided thereunder made on or before
         March 31, 2000.

         For purposes of Sub-Article (r) above, "Russian Contract" means the
         Russian Defense Force/ Defense Threat Reduction Agency RFP and the
         Borrower's submission with respect thereto submitted on December 3,
         1999.

         SECTION 1.03. Amendment to Section 1.04 of the Seventh Amendment.
Section 1.04 of the Seventh Amendment is hereby amended to read as follows in
its entirety:

                  SECTION 1.04. Deferred Payments. (a) Notwithstanding anything
         contained in the Amended Agreement or any of the other Loan Documents
         to the contrary, the Deferred Interest Payments (hereinafter defined)
         shall, subject to subsection (b) hereof, be due and payable in full on
         February 29, 2000. For purposes of this Section 1.04, "Deferred
         Interest Payments" shall mean all interest and other amounts due on the
         Loans as listed on Schedule A-8 attached hereto.

                  (b) If the Borrower fails to comply with any provision of
         Section 5.15 of the Amended Agreement, then, notwithstanding section
         (a) above or Section 1.01 (b) of the Sixth Amendment (which amendment
         deferred payment of certain principal payments of $1,400,000 each
         originally due on November 30, 1999 and December 31, 1999, respectively
         (the "Deferred Principal Payments")), and without prejudice to or
         waiver of the Lenders rights under sub-Article (c) of Article VII of
         the Amended Agreement, each of the Deferred Interest Payments and the
         Deferred Principal Payments shall be due and payable on a date which is
         three (3) business days after the date such compliance should have
         occurred, without further notice or action of the Lenders.

         SECTION 1.04. Representations and Warranties. The Borrower hereby
represents and warrants to the Agents and the Lenders, as follows:

                  (a) The representations and warranties set forth in Article
         III of the Amended Agreement, and in each other Loan Document,
         including any Schedules thereto, are true and correct in all material
         respects on and as of the date hereof and on and as of the Eighth
         Amendment Effective Date (as defined below) with the same effect as if
         made on and as of the date hereof or the Eighth Amendment Effective
         Date, as the case may be, except to the extent such representations and
         warranties expressly relate solely to an earlier date.

                  (b) Each of the Borrower and the other Loan Parties is in
         compliance with all the terms and conditions of the Amended Agreement
         and the other Loan Documents on its part to be observed or performed
         including, without limitation, the obligation to pay all principal and
         interest due on and prior to the date hereof and no Default or Event of
         Default has occurred or is continuing under the Amended Agreement,
         other than the Defaults or Events of Default described in Section 1.02
         of the Sixth Amendment.

                  (c) The execution, delivery and performance by the Borrower
         and the Parent of this Eighth Amendment have been duly authorized by
         the Borrower.

                  (d) This Eighth Amendment constitutes the legal, valid and
         binding obligation of the Borrower, enforceable against the Borrower in
         accordance with its terms, subject to the effect of bankruptcy,
         insolvency, reorganization, arrangement, moratorium, fraudulent
         conveyance, voidable preference or similar laws and the application of
         equitable principles generally.

                  (e) The execution, delivery and performance by the Borrower of
         this Eighth Amendment (i) does not conflict with or violate (A) any
         provision of law, statute, rule or regulation, or of the articles of
         incorporation or by-laws of the Borrower, (B) any order of any
         Governmental Authority or (C) any provision of any indenture, agreement
         or other instrument to which the Borrower is a party or by which it or
         any of its property may be bound and (ii) does not require any consents
         under, result in a breach of or constitute (alone or with notice or
         lapse of time or both) a default or give rise to increased, additional,
         accelerated or guaranteed rights of any person under any such
         indenture, agreement or instrument.

                                    Page 22

<PAGE>   3

         SECTION 1.05. Effectiveness. This Eighth Amendment shall become
effective as of December 31, 1999 (the "Eighth Amendment Effective Date") upon
satisfaction of the following conditions precedent:

                  (a) The Agent shall have received duly executed counterparts
         of this Eighth Amendment which, when taken together, bear the
         authorized signatures of the Parent, the Borrower and all the Lenders.

                  (b) The Lenders shall be satisfied that the representations
         and warranties set forth in Section 1.04 hereof are true and correct on
         and as of the Eighth Amendment Effective Date.

                  (c) There shall not be any action pending or any judgment,
         order or decree in effect which, in the judgment of the Lenders or
         their counsel, is likely to restrain, prevent or impose materially
         adverse conditions upon performance by the Borrower or any other Loan
         Party of its obligations under the Loan Documents.

                  (d) The Lenders shall have received such other documents,
         legal opinions, instruments and certificates as they shall reasonably
         request and such other documents, legal opinions, instruments and
         certificates shall be satisfactory in form and substance to the Lenders
         and their counsel. All corporate and other proceedings taken or to be
         taken in connection with this Eighth Amendment and all documents
         incidental thereto, whether or not referred to herein, shall be
         satisfactory in form and substance to the Lenders and their counsel.

                  (e) The Agent shall have received payment of and all fees and
         expenses set forth in Section 1.07.

         SECTION 1.06. APPLICABLE LAW. THIS EIGHTH AMENDMENT SHALL BE GOVERNED
BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK, EXCEPT
TO THE EXTENT THAT THE FEDERAL LAWS OF THE UNITED STATES OF AMERICA MAY APPLY.

         SECTION 1.07. Fees and Expenses. The Borrower shall pay all reasonable
out-of-pocket expenses incurred by the Agent and the Lenders in connection with
the preparation, negotiation, execution, delivery and enforcement of this Eighth
Amendment, including, but not limited to, the reasonable fees and disbursements
of counsel.

         SECTION 1.08. Counterparts. This Eighth Amendment may be executed in
any number of counterparts, each of which shall constitute an original but all
of which when taken together shall constitute but one agreement. Delivery by
facsimile by any of the parties hereto of an executed counterpart of this Eighth
Amendment shall be as effective as an original executed counterpart hereof and
shall be deemed a representation that an original executed counterpart hereof
will be delivered, but the failure to deliver a manually executed counterpart
shall not affect the validity, enforceability or binding effect of this Eighth
Amendment.

         SECTION 1.09. Financial Consultant and Advisor to the Lenders. The
Lenders and/or their counsel have decided to engage a financial
consultant/adviser to provide advice and other services with respect to the
Loans and the financial and other condition of the Parent and the Borrower and
their affiliates. The Parent and the Borrower agree (a) that all cost and
expenses of such financial adviser/consultant shall be paid by the Borrower and
(b) that such consultant/adviser be given reasonable access upon reasonable
request to the Parent and the Borrower, their premises, their and their
affiliates' books and records, and their and their affiliates' employees and
officers. The Agent may, but shall not be obligated to, provide the Borrower
with certain of one or more of the following: the name of such consultant, an
estimate of costs and expense of such engagement, and the scope of such
engagement, provided, however, that none of the foregoing shall limit or
diminish the Agent's right to choose such consultant or the actual cost, scope
and terms and conditions of such engagement or prevent the Agent from expanding
the costs and scope of such engagement, at its sole discretion.

         SECTION 1.10. Credit Agreement. Except as expressly set forth herein,
the amendments provided herein shall not by implication or otherwise limit,
constitute a waiver of, or otherwise affect the rights and remedies of the
Lenders, the Agent or the other Secured Parties under the Amended Agreement or
any other Loan Document, nor shall they constitute a waiver of any Default or
Event of Default, nor shall they alter, modify, amend or in any way affect any
of the terms, conditions, obligations, covenants or agreements contained in the
Amended Agreement or any other Loan Document. Each of the amendments provided
herein shall apply and be effective only with respect to the provisions of the
Amended Agreement specifically referred to by such amendment. Except as
expressly amended herein, the Amended Agreement shall continue in full force and
effect in accordance with the provisions thereof. As used in the Amended
Agreement, the terms "Agreement", "herein", "hereinafter", "hereunder", "hereto"
and words of similar import shall mean, from and after the date hereof, the
Amended Agreement.

                                    Page 23

<PAGE>   4

         IN WITNESS WHEREOF, the parties hereto have caused this Eighth
Amendment to be duly executed by their duly authorized officers, all as of the
date first above written.

                                  FIREARMS TRAINING SYSTEMS, INC.
                                  as Parent

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

                                  FATS, INC.
                                  as Borrower

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

                                  BANK OF AMERICA, N.A., as Agent, Swingline
                                  Lender and Issuing Bank and individually as
                                  a Lender

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

                                  U.S. BANK NATIONAL ASSOCIATION

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

                                  FIRST SOURCE FINANCIAL LLP, by First Source
                                  Financial, Inc., as Agent/Manager

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

                                  BHF (USA) CAPITAL CORPORATION

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

                                    Page 24

<PAGE>   5

                                  BANK AUSTRIA CREDITANSTALT CORPORATE
                                  FINANCE, INC. (FKA CREDITANSTALT CORPORATE
                                  FINANCE, INC.)

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

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

AGREED and CONSENTED,
as of the date first above written:

DART INTERNATIONAL, INC.

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

FIREARMS TRAINING SYSTEMS, INC.

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

                                    Page 25
<PAGE>   6

                                  SCHEDULE A-8

REVOLVER:

         Base Rate Interest Due on 12/31/99                      $240,505.36

TERM A:

         Libor Interest Due on 12/1/99                           $372,576.75

TERM B:

         LiborInterest Due on 12/1/99                            $789,313.78

                                    Page 26

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