Document:

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                                                                  EXHIBIT 10.20

                              TWELFTH AMENDMENT TO
                        RESTATED BUSINESS LOAN AGREEMENT

         THIS TWELFTH AMENDMENT TO RESTATED BUSINESS LOAN AGREEMENT (the
"Amendment") is entered into as of March 15, 2001, between FRESH AMERICA CORP.,
a Texas corporation ("BORROWER"), the "Subsidiary/Debtors" (herein so called)
named on the signature pages of this Amendment, and 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, 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) SECTION 2.2 of the Loan Agreement is amended to delete
         therefrom the date "March 15, 2001" and substitute in lieu thereof the
         date "March 29, 2001".

                  (B) Section 10.4 of the Loan Agreement is amended in its
         entirety to read as follows:

                           10.4 Adjusted Borrowing Base Mandatory Prepayment. If
                  at any time the principal outstanding under the Revolving 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 end of the most recently preceding
                  calendar month) , the Company shall immediately pay to the
                  Bank any such excess.

                           "Subordinated Debt" means, at any time, (a) Debt of
                  any Company incurred in connection with Borrower's 12% Senior
                  Subordinated Notes Due May 1, 2003, in the principal amount of
                  $20,000,000, and any notes given by Borrower in exchange for
                  those notes if the notes so given are subject to the same
                  terms as the original notes (collectively, the "SUBORDINATED
                  NOTES"), and (b) any other Debt of any Company (i) incurred at
                  a time when no Potential Default or Default has occurred and
                  is continuing under this Agreement, (ii) the incurrence of
                  which shall not cause a Potential Default or Default under
                  this Agreement (iii) for which no scheduled or mandatory
                  principal payment or sinking fund payment is due on or before
                  the Expiration

<PAGE>   2

                  Date, (iv) whose covenants are no more restrictive than those
                  set forth in this Agreement, and (v) the payment of which is
                  subordinated to Debt owed by the Companies to the Bank in a
                  manner acceptable to the Bank.

                  (C) SECTION 3 of the Tenth Amendment to Restated Business Loan
         Agreement and Waiver dated as of March 31, 2000, among the Borrower,
         the Subsidiaries/Debtors named therein, and the Bank is hereby amended
         to delete therefrom the date "March 15, 2001" and substitute in lieu
         thereof the date "March 29, 2001".

         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 March 15, 2001:

                  (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 appraisals of the
                           Borrower's owned real estate as of a current date.

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<PAGE>   3

                  (f)      The Bank shall have received financial projections
                           for the Borrower and its Subsidiaries including
                           liquidity projections on a weekly basis through April
                           2001 in form and substance satisfactory to the Bank
                           and its financial advisor, PricewaterhouseCoopers
                           LLP.

         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.

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<PAGE>   4

         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 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]

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<PAGE>   5

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

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

By
  ----------------------------------------
  William E. Livingstone, IV                 By
  Managing Director                            ---------------------------------
                                               John H. Gray, Executive
                                               Vice President

                             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, including without limitation the amendments to the Security
Agreement and the Guaranty, (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 ARIZONA, INC.,
FRESH AMERICA FLORIDA, INC.,
FRANCISCO ACQUISITION CORP.,
ALLIED-PERRICONE, INC., F/K/A SAM PERRICONE CITRUS CO., each as a
Subsidiary/Debtor

By
   -----------------------------------------------------
   John H. Gray, Vice President of each of the
   above companies

                                       5<PAGE>   1
                                                                  EXHIBIT 10.21

                             THIRTEENTH AMENDMENT TO
                        RESTATED BUSINESS LOAN AGREEMENT

         THIS THIRTEENTH AMENDMENT TO RESTATED BUSINESS LOAN AGREEMENT (the
"Amendment") is entered into as of September 5, 2001, between FRESH AMERICA
CORP., a Texas corporation ("BORROWER"), the "Subsidiary/Debtors" (herein so
called) named on the signature pages of this Amendment, and 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 definitions of Affiliate and Confidentiality Agreement in
SECTION 1 are entirely amended as follows:

                  "Affiliate" of a Person means any other individual or entity
                  who directly or indirectly controls, is controlled by or is
                  under common control with that Person. For the purposes of
                  this definition (a) "control," "controlled by," and "under
                  common control with" means possession, directly or indirectly,
                  of power to direct or cause the direction of management or
                  policies (whether through ownership of voting securities or
                  other interests, by contract, or otherwise), (b) with respect
                  to the Bank, any individual or entity in which the Bank holds,
                  directly or indirectly, as least 25% of the equity thereof is
                  an "Affiliate" of the Bank, and (c) the Companies are
                  "Affiliates" of each other.

                  "Confidentiality Agreement" means, as between the Borrower and
                  the Bank, the agreements set forth in SECTION 13.22 of this
                  Agreement, and as between other Persons shall mean a
                  Confidentiality Agreement upon terms similar to the provisions
                  of SECTION 13.22 of this Agreement.

            (B) SECTION 2.1(a) is entirely amended as follows:

<PAGE>   2

                  During the availability period described below, the Bank will
                  provide a term loan (the "Term Loan") to the Borrower. The
                  amount of the term loan (the "TERM LOAN COMMITMENT") equals
                  $5,134,604.21 as of August 29, 2001. All Term Loan Commitment
                  reductions provided for elsewhere in this Agreement shall be
                  in addition to the Term Loan Commitment reductions
                  contemplated by SECTION 2.4(c).

            (C) Each of SECTION 2.1(b), SECTION 2.1(d) and SECTION 2.4(e) is
entirely amended to read as follows: Intentionally Omitted.

            (D) SECTION 2.2 of the Loan Agreement is amended to delete therefrom
the date "August 29, 2001" and substitute in lieu thereof the date "January 2,
2002".

            (E) SECTIONS 2.4(c) is entirely amended to read as follows:

                  (c)      The Borrower will pay on each of September 15, 2001
                           and December 15, 2001, 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, 2002, unless otherwise
                           accelerated pursuant to the terms hereof.

            (F) 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 three and one-half percent (3.50%).

            (G) 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 end of the most recently preceding
         calendar month) , the Company shall immediately pay to the Bank any
         such excess.

                  "Subordinated Debt" means, at any time, (a) Debt of any
         Company incurred in connection with Borrower's 12% Senior Subordinated
         Notes Due May 1, 2003, in the principal amount of $20,000,000, and any
         notes given by Borrower in exchange for those notes if the notes so
         given are subject to the same terms as the original notes
         (collectively, the "SUBORDINATED NOTES"), and (b) any other Debt of any
         Company (i) incurred at a time when no Potential Default or

                                      -2-
<PAGE>   3

         Default has occurred and is continuing under this Agreement, (ii) the
         incurrence of which shall not cause a Potential Default or Default
         under this Agreement (iii) for which no scheduled or mandatory
         principal payment or sinking fund payment is due on or before the
         Expiration Date, (iv) whose covenants are no more restrictive than
         those set forth in this Agreement, and (v) the payment of which is
         subordinated to Debt owed by the Companies to the Bank in a manner
         acceptable to the Bank.

            (H) 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 July 31, 2001, a total amount of Capital
                  Expenditures that does not exceed $750,000 in the aggregate
                  through the Expiration Date. 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 a comparison of such Capital Expenditures actually
                  incurred to Capital Expenditures budgeted to occur in such
                  calendar month and for such period of time, commencing with
                  the month ending August 31, 2001.

            (I) SECTION 10.12 is hereby amended to read as follows:

                  10.12 Dividends. The Borrower shall not declare or pay any
                  dividends on any of its shares except dividends payable in
                  capital stock of the Borrower, and the Borrower shall not
                  purchase, redeem or otherwise acquire for value any of its
                  shares, or create any sinking fund in relation thereto.

            (J) SECTION 10.25(d), SECTION 10.25(n) and SECTION 10.25(o) are
entirely amended to read as follows:

                  (d)      Sell, assign, lease, transfer, or otherwise dispose
                           of any of its assets (including, without limitation,
                           equity interests in any Reporting Company) except,
                           without duplication (i) sales and dispositions of
                           inventory in the ordinary course of business, (ii)
                           sales of assets which are obsolete or are no longer
                           in use and which are not significant to the
                           continuation of that Company's business, (iii) sales
                           of assets (A) obtained as the result of mergers and
                           consolidations permitted under this Agreement and
                           Permitted Acquisitions and (B) which are unnecessary
                           to that Company's business operations, (iv) sales and
                           dispositions from any Company to any other Company,
                           (v) dispositions of assets where substantially
                           similar assets have been or are simultaneously being
                           acquired, (vi) arms-length sales and dispositions
                           from any Company to any Unrestricted Subsidiary in
                           the ordinary course of business on customary trade
                           terms, and (vii) dispositions of assets

                                      -3-
<PAGE>   4

                           on or prior to November 15, 1999, the net proceeds of
                           which do not exceed $500,000 in any fiscal year.
                           Provided, however, with respect to any sales other
                           than sales of inventory in the ordinary course of
                           business the Bank shall receive at least five (5)
                           Banking Days prior written notice, and with respect
                           to subsections (ii), (iii), and (vi), the proceeds of
                           all such sales (other than the sale of certain assets
                           in Louisiana for approximately $350,000 and the sale
                           of certain assets in Austin, Texas, for approximately
                           $400,000 which sales closed in November 1999),
                           exclusive of reasonable expenses of selling, shall be
                           immediately applied towards the repayment of the
                           outstanding principal balance of the Term Note. All
                           payments required pursuant to the foregoing sentence
                           shall be credited to the scheduled reductions in the
                           Term Loan in the inverse order of maturity.

                  (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 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.

                  (o)      Additionally, the outstanding principal balance of
                           the Term Note shall be reduced by the greater of (i)
                           fifty percent (50%) 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 consent of the Bank) or (ii) the amount of
                           such net proceeds required to reduce the outstanding
                           principal balance of the Term Note to an amount not
                           in excess of the Adjusted Borrowing Base most
                           recently reported to the Bank.

            (K) SECTIONS 10.32 AND 10.33 are hereby added to the Agreement to
read as follows:

                                      -4-
<PAGE>   5

                  10.32    AGREEMENTS WITH LARRY MARTIN. Borrower shall not
                           enter into any amendments to the Promissory Note
                           dated September 5, 2001, executed by Borrower and
                           payable to the order of Larry Martin in the original
                           principal amount of $1,239,223.00, or that certain
                           Stock Purchase Agreement dated as of December 12,
                           1997, among Borrower, Larry Martin and Hereford
                           Haven, Inc., without the prior written consent of
                           Bank.

                  10.33    PROJECTIONS. On or prior to September 17, 2001,
                           Borrower shall deliver to the Bank financial
                           projections for the Borrower and its Subsidiaries
                           including liquidity projections on a weekly basis
                           through December 31, 2001, in form and substance
                           satisfactory to the Bank and its financial advisor,
                           PricewaterhouseCoopers LLP.

            (L) SECTION 13.5 is entirely amended to read as follows:

                  13.5     ASSIGNMENTS. The Bank may assign to one or more
                           assignees (each an "Assignee") all or any part of its
                           Rights and obligations under the Loan Documents so
                           long as (a) the Bank and Assignee obtain (unless the
                           Assignee is an Affiliate of the Bank or a Default has
                           occurred and is continuing at the time of such
                           assignment) Borrower's consent to such assignment
                           (which may not be unreasonably withheld or delayed in
                           any instance and is not required if the Assignee is
                           an Affiliate of the Bank or if a Default has occurred
                           and is continuing); (b) the assignment is for an
                           identical percentage of the Bank's Rights and
                           obligations under each of the Revolving Facility
                           Commitment and the Bridge Loan Commitment; (c) the
                           assignment must be for a minimum total amount of
                           $5,000,000 or, if less, the balance of the
                           Commitments then outstanding hereunder; (d) any
                           potential Assignee (other than an Affiliate of the
                           Bank) shall execute a confidentiality agreement
                           substantially in the form of the Confidentiality
                           Agreement prior to receiving any information
                           regarding the Companies; and (e) in connection with
                           the initial assignment hereunder (other than an
                           initial assignment of all of the Commitments then
                           outstanding hereunder), the Bank, the Assignee, and
                           Borrower will execute any appropriate amendments to
                           the Loan Documents to effect a proper syndication of
                           the credit facilities and to make the Assignee a
                           party to this Agreement. Unless otherwise provided
                           herein, any amendment, waiver, or consent under this
                           Agreement shall require the written consent of
                           lenders that in the aggregate hold at least 51% of
                           the Bridge Loan Commitment and the Revolving Loan
                           Commitment (collectively, the "Commitments"), and
                           after the expiry or termination of the Commitments,
                           hold at least 51% of the aggregate unpaid principal
                           amount of the Commitments; provided, however, that no
                           amendment, waiver, or consent shall, unless it is in
                           writing and is signed by all the lenders, do any of
                           the following:

                                      -5-
<PAGE>   6

                           (i) waive any of the conditions specified in SECTIONS
                           8.1 or 8.2, (ii) increase the Commitments of the
                           lenders or subject the lenders to any additional
                           obligations, (iii) reduce the principal of, or
                           interest on, any amounts outstanding hereunder, or
                           any fees or other amounts payable hereunder, (iv)
                           postpone any date fixed for any payment of principal
                           of, or interest on, any amounts payable hereunder,
                           (v) make any change which would alter the percentage
                           of the Commitments or of the aggregate unpaid
                           principal amount of the amounts payable hereunder, or
                           the number of lenders, which shall otherwise be
                           required for the lenders or any of them to take any
                           action hereunder, or (vi) amend this SECTION 13.5.
                           Once the assignment is effected and accepted, when
                           necessary, by Borrower and the amendments described
                           in CLAUSE (e) above are executed and delivered (if
                           applicable), then, on and after the date of such
                           assignment and amendments (if applicable), (a) the
                           Assignee automatically becomes a party to this
                           Agreement and, to the extent provided in the
                           assignment and in the Loan Documents, as so amended,
                           has the same Rights and obligations of the Bank under
                           the Loan Documents with respect to its assigned
                           interest, (b) the Bank, to the extent of the assigned
                           interest and as otherwise provided in the assignment
                           and in the Loan Documents, as so amended, is released
                           from its obligations to make advances under this
                           Agreement, (c) upon request, Borrower shall execute
                           and deliver to the Bank and the Assignee the
                           appropriate Revolving Notes and Bridge Notes
                           reflecting the transfer of the assigned interest, and
                           (d) upon delivery of the notes under CLAUSE (c)
                           preceding, the Bank shall return to Borrower all
                           notes previously delivered to the Bank by Borrower
                           under this agreement.

            (M) A new SECTION 13.22 is hereby added to the Agreement to read as
follows:

                  13.22    CONFIDENTIALITY. The Bank agrees to maintain the
                           confidentiality of the Information (as defined
                           below), except that Information may be disclosed (a)
                           to its and its Affiliates' directors, officers,
                           employees and agents, including accountants, legal
                           counsel and other advisors (it being understood that
                           the Persons to whom such disclosure is made will be
                           informed of the confidential nature of such
                           Information and instructed to keep such Information
                           confidential); (b) to the extent requested by any
                           regulatory authority; (c) to the extent required by
                           applicable laws or regulations or by any subpoena or
                           similar legal process; (d) to any other party to this
                           Agreement; (e) in connection with the exercise of any
                           remedies hereunder or any suit, action or proceeding
                           relating to this Agreement or the enforcement of
                           rights hereunder; (f) subject to an agreement
                           containing provisions substantially the same as those
                           of this Section, to (i) any Assignee of or
                           Participant in, or any prospective Assignee of or
                           Participant in, any of its

                                      -6-
<PAGE>   7

                           rights or obligations under this Agreement or (ii)
                           any direct or indirect contractual counterparty or
                           prospective counterparty (or such contractual
                           counter-party's or prospective counter-party's
                           professional advisor) to any credit derivative
                           transaction relating to obligations of the Borrower;
                           (g) with the consent of the Borrower; (h) to the
                           extent such Information (i) becomes publicly
                           available other than as a result of a breach of this
                           Section or (ii) becomes available to the Bank on a
                           non-confidential basis from a source other than the
                           Borrower; or (i) to the National Association of
                           Insurance Commissioners or any other similar
                           organization or any nationally recognized rating
                           agency that requires access to information about
                           Bank's or its Affiliates' investment portfolio in
                           connection with ratings issued with respect to Bank
                           or its Affiliates. For the purposes of this Section,
                           "Information" means all information received from the
                           Borrower relating to the Borrower or its business,
                           other than any such information that is available to
                           the Bank on a non-confidential basis prior to
                           disclosure by the Borrower; provided that, in the
                           case of information received from the Borrower after
                           the date hereof, such information is clearly
                           identified in writing at the time of delivery as
                           confidential. Any Person required to maintain the
                           confidentiality of Information as provided in this
                           Section shall be considered to have complied with its
                           obligation to do so if such Person has exercised the
                           same degree of care to maintain the confidentiality
                           of such Information as such Person would accord to
                           its own confidential information.

            (N) Effective as of the date hereof, all references in the Loan
Documents to the Revolving Facility Commitment are hereby amended to be
references to the Term Loan Commitment, all references to the Revolving Note are
hereby amended to be references to the Term Note, and all references to the
"line of credit" shall be amended to be references to the "term loan." Effective
as of the date hereof, Borrower may not borrow, repay, and reborrow hereunder,
and Bank shall have no obligation to make advances to or issue letters of credit
for the account of Borrower or its Subsidiaries.

         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 September 5, 2001:

         (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, and the Term Note.

         (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

                                      -7-
<PAGE>   8

                  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 true and correct copies of the
                  Securities Agreement and all documents executed pursuant
                  thereto or in connection therewith, all conditions precedent
                  to the effectiveness thereof shall have been satisfied other
                  than the effectiveness of this Amendment, and such documents
                  shall become effective simultaneous with the effectiveness of
                  this Amendment.

         (f)      The Bank shall have received a payment on the Term Loan in the
                  principal amount of $200,000, plus all accrued and unpaid
                  interest due under the Term Loan through August 31, 2001.

         (g)      The Bank shall have received 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.

         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

                                      -8-
<PAGE>   9

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 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]

                                      -9-
<PAGE>   10

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

<Table>
<S>                                                       <C>
BANK OF AMERICA, N.A. (formerly Bank of America NT &      FRESH AMERICA CORP., as Borrower
SA, successor in interest by merger with Bank of
America, N.A., formerly NationsBank, N.A.), as Bank

By                                                        By
   -------------------------------                          ---------------------------------
    William E. Livingstone, IV                              Name:
    Managing Director                                            ----------------------------
                                                           Title:
                                                                 ----------------------------
</Table>

                              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, including without limitation the amendments to the Security
Agreement and the Guaranty, (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:
   --------------------------------------------------
     Name:
          -------------------------------------------
     Title:
           ------------------------------------------

                                      -10-

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