Document:

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                                  EXHIBIT 10.2

                AGREEMENT BETWEEN 4-D AND AIG PRIVATE BANK LTD.,

                        DATED ON OR ABOUT APRIL 26, 2001

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                                                        EXHIBIT 10.2

                                       AIG
                                  ------------
                                  PRIVATE BANK

4-D Neuroimaging, Inc.
Attn: Mr. Scott Buchanan, CEO
9727 Pacific Heights Blvd.
San Diego,  CA  92121-3719
USA

Zurich, April 26, 2001

LOAN AGREEMENT NR 2498380

Dear Sirs,

With reference to our various discussions, we are pleased to prolongate the
reduced loan facility to you on the following terms and conditions (hereinafter
referred to as the "Agreement"):

BORROWER

4-D Neuroimaging, Inc. 9727 Pacific Heights Blvd., San Diego,
CA 92121-3719, USA, formerly known as Biomagnetic Technologies, Inc.
(hereinafter referred to as the "Borrower")

LENDER

AIG Private Bank Ltd., Pelikanstrasse 37, P.O. Box 1376, CH-8021 Zurich
(hereinafter referred to as the "Lender")

LOAN AMOUNT

USD 3,357,025.67 (United States Dollars three million three hundred and fifty
seven thousand and twenty five 67/100)

PURPOSE

Prolongation and reduction of the existing credit line.

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UTILISATION

In the form of a fixed term advance of USD 3,357,025.67.

TERM / DURATION

This credit facility will be available until July 31, 2002 (the "Final Maturity
Date").

REPAYMENT

The Borrower shall repay in full the outstanding advance and interest made to it
on the Final Maturity Date.

INTEREST RATE

The Borrower agrees to pay interest on the outstanding principal amount in
accordance with the following provisions:

The interest rate for the fixed advance is based on our refinancing costs in
line with the current market conditions plus a fixed margin of 2.5% p.a.

Interest will be calculated on the basis of the exact number of days elapsed,
divided by a 360-day year (365/360) and will be payable on July 31, 2002.

If any sum due and payable by the Borrower is not paid when due, the interest on
any such amounts will be calculated on the basis of the refinancing costs of the
Lender, together with the margin of 5% (five per cent) per annum, for the period
beginning with the due date until receipt by the Lender of the payment.

If any payment date shall fall on a day on which banks in Zurich or New York are
not open for business, such payment date shall be extended to the next
succeeding business day unless such business day falls in the next calendar
month in which event such due date shall be the immediately preceeding business
day.

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SECURITY

1.   Pledge and assignment by Scaloway Co. Ltd. (hereinafter referred to as
     ("Guarantor").

2.   Guarantee in the amount of USD 2,200,000 issued by Bank Julius Baer & Co.
     AG, Zurich as well as pledge and assignment form regarding 1832 shares of
     Neuromag Oy, Helsinki.

COSTS, FEES AND EXPENSES

The Borrower shall pay to the Lender on demand an amount equal to all costs,
charges and expenses (including, but not limited to, legal expenses and stamp
registration or other duties) incurred by the Lender in connection with
preparation and execution of this Agreement and the security and other
documentation contemplated hereby and all costs, charges and expenses (including
legal expenses on a full indemnity basis) of the Lender in connection with the
enforcement of or preservation of any of its rights under this Agreement or
otherwise in connection with the facility.

PAYMENTS AND TAXES

All payments to be made by the Borrower to the Lender under this Agreement shall
be made in United States Dollars, freely disposable outside of bilateral or
multilateral payment agreements which may exist at the time of payment, free and
clear of and without deduction of any taxes, levies, imposts, duties, charges,
fees, deductions or withholdings of any nature, now or hereafter imposed by or
on behalf of any taxing authority or any other entity.

ASSIGNABILITY

The Lender has the right to assign this Agreement to any party without the
consent of the Borrower but it requires the consent of the Guarantor.

COVENANTS

The Borrower covenants that, until full and final payment of all indebtedness
and liabilities incurred hereunder, unless the Lender waives compliance in
writing, the Borrower will furnish the Lender with such information concerning
the affairs of the Borrower as the Lender may reasonably request.

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EVENTS OF DEFAULT

The principal and accrued interest on any outstanding balances as well as any
and all accrued fees and charges whatsoever under this Agreement, shall become
immediately due and payable, without need of further legal formality, at the
option of and upon the first demand by the Lender, if:

a)   the Borrower shall default in the payment of principal or interest on any
     advance or of any other amount payable thereunder when the same shall
     become due and payable and such failure continues for a period of 5 (five)
     business days without remedy;
b)   the Borrower shall default in the performance of any term, covenant or
     condition contained in this agreement after written notice and failure to
     cure such default within thirty (30) days from the receipt of such notice
     or an event of default in the performance of any other agreement between
     the Borrower and the Lender;
c)   any representation or warranty made by the Borrower under this agreement or
     any certificate or documents furnished pursuant thereto, shall prove to
     have been untrue when made or at any subsequent time to be incorrect in any
     material respect;
d)   any other event occurs or circumstances arise which, in the opinion of the
     Lender is likely, materially and adversely, to affect the ability of the
     Borrower or any future mortgagor to perform all or any of his or its
     obligations under or otherwise to comply with the terms of this Agreement.

The Borrower shall hold the Lender harmless of and indemnify the Lender against
any losses or expenses which the Lender may sustain or incur as a consequence of
any Event of Default by the Borrower as stipulated herein.

If there is an Event of Default, the Lender reserves the right to increase the
interest rate and/or the commission rate, not to exceed twelve (12% p.a.)
percent per annum.

CONDITIONS PRECEDENT

This agreement its made under the condition and the Lender's obligation to make
this loan available is subject to the conditions precedent that the Lender shall
have received and approved the following:

a)   A signed copy of this agreement, each page initialed, bearing the
     authorized signature of the Borrower.

LAW GOVERNING THE LEGAL RELATIONSHIP BETWEEN THE LENDER AND THE BORROWER AND
PLACE OF JURISDICTION

All legal aspects of the relationship between the Borrower and the Lender shall
be governed by Swiss law. The place of performance, the exclusive place of
jurisdiction for lawsuits and all other kinds of legal proceedings and place of
foreclosure shall be the domicile of the Lender.

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The Lender reserves the right to bring legal proceedings against the Borrower
before any competent court at the domicile of the Borrower or any other court
having jurisdiction over the Borrower.

No failure to exercise and no delay in exercising on the part of the Lender any
of its rights hereunder shall operate as a waiver thereof, nor shall any single
or partial exercise or any rights preclude any other or further exercise
thereof.

The general pledge and assignment and our "General Banking Conditions" which you
already received, form an integral part of this loan agreement.

We hope that the above terms and conditions meet your requirements, and kindly
request that you duly sign and return to us the enclosed duplicates of this
agreement.

We remain,

Yours truly,

AIG Private Bank Ltd.

/s/ Werner Vontobel                          /s/ Esther Gauch
--------------------------------             -----------------------------------
Werner Vontobel                              Esther Gauch
Member of Executive Management               Member of Management<PAGE>

                                                                    EXHIBIT 10.1

                               SECOND AMENDMENT TO
                      AMENDED AND RESTATED CREDIT AGREEMENT

                  This Second Amendment to Amended and Restated Credit
Agreement, dated as of May 14, 2001 (this "Amendment") is among PACKAGED ICE,
INC. (the "Borrower"), BANK OF AMERICA, N.A., individually as a Lender
("BofA") and as a co-agent and the administrative agent (the "Agent"),
ANTARES CAPITAL CORPORATION, as a Lender ("Antares") and as a co-agent, GMAC
BUSINESS CREDIT, LLC, as a Lender ("GMAC"), LASALLE BUSINESS CREDIT, INC., as
a Lender ("LaSalle"), THE PROVIDENT BANK, as a Lender ("Provident"), and
HARRIS TRUST AND SAVINGS BANK, as a Lender ("Harris" and collectively with
BofA, Antares, GMAC, LaSalle and Provident, the "Lenders").

                              W I T N E S S E T H:
                              - - - - - - - - - -

                  WHEREAS, the Borrower, the Agent and the Lenders are
parties to that certain Amended and Restated Credit Agreement dated as of
November 28, 2000 (as amended, restated, modified and otherwise supplemented
from time to time, the "Credit Agreement"; capitalized terms not otherwise
defined herein having the definitions provided therefore in the Credit
Agreement), and to that First Amendment and Limited Waiver to the Amended and
Restated Credit Agreement, dated as of February 28, 2001, and to certain
other documents executed in connection with the Credit Agreement; and

                  WHEREAS, the parties hereto wish to amend the Credit
Agreement as provided herein;

                  NOW, THEREFORE, the parties hereto agree as follows:

                  1.       AMENDMENTS TO THE CREDIT AGREEMENT.

                  (a)      MINIMUM BORROWING BASE AVAILABILITY. Section 4.16
of the Credit Agreement is hereby amended by deleting the date "May 31" in
the first sentence thereof and replacing it with "July 15".

                  (b)      CAPITAL EXPENDITURES. Section 6.1 of the Credit
Agreement is hereby amended and restated in its entirety to read as follows:

                  6.1      CAPITAL EXPENDITURES. The Borrower and its
Subsidiaries shall not make or commit to make Capital Expenditures (i) for
the fiscal year ending on December 31, 2000, in excess of $25,000,000 and
(ii) for each fiscal year thereafter, in excess of $17,500,000 (the "CAPITAL
EXPENDITURE LIMITATION").

                  (c)      FUNDED DEBT TO EBITDA RATIO. Section 6.2 of the
Credit Agreement is hereby amended and restated in its entirety to read as
follows:

                  6.2      FUNDED DEBT TO EBITDA RATIO. The Borrower and its
Subsidiaries, on a consolidated basis, shall not permit its Funded Debt to
EBITDA Ratio determined as of each date set

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forth below for the twelve month period then ended to be greater than the
maximum ratio set forth in the table below opposite such date:

<TABLE>
<CAPTION>
         Date                                            Maximum Funded Debt to EBITDA Ratio
         ----                                            -----------------------------------
         <S>                                             <C>
         December 31, 2000                                              6.00:1
         March 31, 2001                                                 6.80:1
         June 30, 2001                                                  6.60:1
         September 30, 2001                                             6.00:1
         December 31, 2001                                              5.60:1
         March 31, 2002                                                 6.00:1
         June 30, 2002                                                  5.80:1
         September 30, 2002                                             5.25:1
         December 31, 2002 and the last day of each                     5.25:1
         fiscal quarter thereafter
</TABLE>

                  (d)      APPLICABLE MARGIN. The definition of "Applicable
Margin" in the Credit Agreement is hereby amended by amending and restating
the tables set forth therein in their entirety to read as follows (such
amendment and restatement to be effective with respect to all calculations of
the Applicable Margin from and after the date hereof):

(a)      with respect to Revolver Loans and the Equipment Term Loan,

<TABLE>
<CAPTION>
Funded Debt to
EBITDA Ratio                                  Base Rate Margin           LIBOR Rate Margin
--------------                                ----------------           -----------------
<S>                                           <C>                        <C>
6.5 to 1.0 or greater                               1.50%                      3.75%

6.0 to 1.0 or greater, but less than                1.25%                      3.50%
6.5 to 1.0

5.5 to 1.0 or greater, but less than                0.75%                      3.00%
6.0 to 1.0

4.0 to 1.0 or greater, but less than                0.50%                      2.75%
5.5 to 1.0

less than 4.0 to 1.0                                0.00%                      2.25%
</TABLE>

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(b)      with respect to the Real Estate Term Loan,

<TABLE>
<CAPTION>
Funded Debt to
EBITDA Ratio                                  Base Rate Margin           LIBOR Rate Margin
--------------                                ----------------           -----------------
<S>                                           <C>                        <C>
6.5 to 1.0 or greater                               1.75%                      4.00%

6.0 to 1.0 or greater, but less than                1.50%                      3.75%
6.5 to 1.0

5.5 to 1.0 or greater, but less than                1.00%                      3.25%
6.0 to 1.0

4.0 to 1.0 or greater, but less than                0.75%                      3.00%
5.5 to 1.0

less than 4.0 to 1.0                                0.25%                      2.50%
</TABLE>

                  (e)      SEASONAL OVERADVANCE AMOUNT. The definition of
"Seasonal Overadvance Amount" in the Credit Agreement is hereby amended and
restated in its entirety to read as follows:

                  "SEASONAL OVERADVANCE AMOUNT" means (a) during January 28
through May 31 of calendar year 2001, $15,000,000, (b) during June 1 through
June 30 of calendar year 2001, $7,500,000, (c) during January 28 through
May 31 of calendar year 2002, $12,000,000, (d) during June 1 through June 30 of
calendar year 2002, $6,000,000, (e) during January 28 through May 31 of
calendar year 2003, $6,000,000, (f) during June 1 through June 30 of calendar
year 2003, $3,000,000 and (g) at all other times, $0.

                  2.       CONDITIONS PRECEDENT. The effectiveness of this
Amendment is subject to the satisfaction of the following conditions precedent:

                  (a)      AMENDMENT. The Borrower shall have executed and
delivered this Amendment.

                  (b)      AMENDMENT FEE. The Borrower shall have paid to the
Agent, for the ratable benefit of the Lenders, an amendment fee in the amount of
the product of (i) .00125 multiplied by (ii) the Lenders' Commitments as reduced
by any principal prepayments made prior to the date hereof under the Term Loans.

                  (c)      PAYMENT OF FEES. The Borrower shall pay all accrued
and unpaid fees, costs and expenses to the extent then due and payable, together
with Attorney Costs of the Agent, including, without limitation, costs and
expenses incurred in connection with this Amendment.

                  (d)      OTHER DOCUMENTS. The Borrower shall, and shall cause
its Subsidiaries to, execute and deliver such other approvals, opinions,
documents or materials as the Agent may reasonably request.

                                      3

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                  (e)      NO EXISTING DEFAULT. After giving effect to this
Amendment, no Default or Event of Default shall exist as of the date hereof.

                  3.       MISCELLANEOUS

                  (a)      CAPTIONS. Section captions used in this Amendment are
for convenience only, and shall not affect the construction of this Amendment.

                  (b)      GOVERNING LAW. This Amendment shall be a contract
made under and governed by the laws of the State of Texas, without regard to
conflict of laws principles.

                  (c)      COUNTERPARTS. This Amendment may be executed in any
number of counterparts and by the different parties on separate counterparts,
and each such counterpart shall be deemed to be an original, but all such
counterparts shall together constitute but one and the same Amendment.

                  (d)      SUCCESSORS AND ASSIGNS. This Amendment shall be
binding upon the Borrower, the Agent and the Lenders and their respective
successors and assigns, and shall inure to the sole benefit of the Borrower, the
Agent and the Lenders and the successors and assigns of the Borrower, the Agent
and the Lenders.

                  (e)      REFERENCES. Any reference to the Credit Agreement
contained in any notice, request, certificate, or other document executed
concurrently with or after the execution and delivery of this Amendment shall be
deemed to include this Amendment unless the context shall otherwise require.

                  (f)      CONTINUED EFFECTIVENESS. Notwithstanding anything
contained herein, the terms of this Amendment are not intended to and do not
serve to effect a novation as to the Credit Agreement. The Credit Agreement as
amended hereby and each of the Loan Documents remain in full force and effect.

                     [REMAINDER OF PAGE INTENTIONALLY BLANK]

                                      4

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                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed and delivered by their duly authorized officers as
of the day and year first above written.

                                    PACKAGED ICE, INC., as the Borrower

                                    By:____________________________
                                    Its:____________________________

                                    BANK OF AMERICA, N.A., as the Agent
                                    and a Lender

                                    By:____________________________
                                    Its:____________________________

                                    ANTARES CAPITAL CORPORATION, as a Lender

                                    By:____________________________
                                    Its:____________________________

                                    GMAC BUSINESS CREDIT, LLC, as a Lender

                                    By:____________________________
                                    Its:____________________________

<PAGE>

                                    LASALLE BUSINESS CREDIT, INC., as a Lender

                                    By:____________________________
                                    Its:____________________________

                                    HARRIS TRUST AND SAVINGS BANK, as a Lender

                                    By:____________________________
                                    Its:____________________________

                                    THE PROVIDENT BANK, as a Lender

                                    By:____________________________
                                    Its:____________________________

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