Document:

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                                                                    EXHIBIT 10.2

                 AMENDMENT NO. 1 TO LOAN AND SECURITY AGREEMENT

         AMENDMENT NO. 1, dated as of October __, 2001 (this "Amendment"), to
the Loan and Security Agreement, dated as of April 6, 2001 (as amended,
restated, modified or supplemented from time to time in accordance with its
terms, the "LSA") between ATC FUNDING, LLC, a limited liability company
organized under the laws of the State of Delaware, as borrower (together with
its successors and assigns, the "Borrower"), and HFG HEALTHCO-4 LLC, a limited
liability company organized under the laws of the State of Delaware (together
with its successors and assigns, the "Lender").

         1. Defined Terms. Unless otherwise specifically defined herein, all
capitalized terms used herein shall have the meanings ascribed to such terms in
the LSA.

         2. Amendment. Subject to the conditions as to effectiveness set forth
in Paragraph 4 of this Amendment, the amount "$25,000,000" appearing in Section
1.02(a) of the LSA is hereby deleted and replaced by the amount "$27,500,000".

         3. Representations and Warranties of the Borrower. The Borrower hereby
represents and warrants as of the date hereof as follows (which representations
and warranties shall survive the execution and delivery of this Amendment):

                  (1) All representations and warranties made by the Borrower in
Article III of the LSA and each of the other Documents are true and correct in
all material respects as of the date hereof with the same force and effect as if
made on such date (except to the extent that any such representation or warranty
relates expressly to an earlier date).

                  (2) The Borrower has the requisite power to execute, deliver
and carry out the terms and provisions of this Amendment.

                  (3) This Amendment has been duly executed and delivered and
constitutes the legal, valid and binding obligation of the Borrower, and is
enforceable in accordance with its terms subject (i) as to enforcement of
remedies, to applicable bankruptcy, insolvency, reorganization, moratorium and
other similar laws affecting the enforcement of creditors' rights generally,
from time to time in effect, and (ii) to general principles of equity.

                  (4) No event has occurred and is continuing which constitutes
or would constitute a Default or an Event of Default under the LSA.

         4. Effective Date. This Amendment shall become effective on the date
when the Lender shall have received (i) a counterpart of this Amendment, duly
executed and delivered on behalf of the Borrower, (ii) certified copies of
resolutions of the managers of the Borrower approving this Amendment, and (iii)
a fee in the amount of $25,000, in cash, which is due and payable to the Lender
pursuant to Section 1.02(d) of the LSA.

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         5. Continued Effectiveness. Nothing herein shall be deemed to be a
waiver of any covenant, or agreement contained in, or any Default or Event of
Default under the LSA and each of the parties hereto agrees that, as amended by
this Amendment, all of the covenants and agreements and other provisions
contained in the LSA and the other Documents shall remain in full force and
effect from and after the date of this Amendment.

         6. Counterparts. This Amendment may be executed in two or more
counterparts, each of which shall be an original, and all of which, taken
together, shall constitute a single instrument. Delivery of an executed
counterpart of a signature page to this Amendment by telecopier shall be
effective as delivery of a manually executed counterpart of this Amendment.

         7. GOVERNING LAW. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH
AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK (OTHER THAN THE CONFLICTS OF
LAWS PRINCIPLES THEREOF).

                            [Signature pages follow]

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

BORROWER:                                   ATC FUNDING, LLC

                                            By: /s/   Alan Levy
                                                --------------------------------
                                                Name:  Alan Levy
                                                Title: CFO, Sr. V.P. of Finance

LENDER:                                     HFG HEALTHCO-4 LLC

                                            By: /s/  Robert Lynch
                                                --------------------------------
                                                Name:  Robert Lynch
                                                Title: Chief Operating Officer

                                       2<PAGE>
                                  FORM OF NOTE

THE SECURITIES, IN THE FORM OF THE PROMISSORY NOTE OF ELITE LOGISTICS, INC.,
HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER
ANY STATE SECURITIES LAWS. SUCH SECURITIES CANNOT BE SOLD, TRANSFERRED, ASSIGNED
OR OTHERWISE DISPOSED, EXCEPT IN ACCORDANCE WITH THE SECURITIES ACT OF 1933, AS
AMENDED, AND APPLICABLE STATE SECURITIES LAWS.

                                 PROMISSORY NOTE

                                                                 Freeport, Texas
                                                            [DateofNote], 2001

         FOR VALUE RECEIVED, ELITE LOGISTICS, INC., a Idaho corporation, 1201 N
Ave H, Freeport, TX 77541, and its successors and assigns, (the "Company")
promises to pay to the order of [Name] ("Holder"), at [Address1], or at such
other place as Holder may from time to time designate in writing, the principal
sum of [Amtfull] Dollars ($[Amt]) in lawful money of the United States of
America, together with interest on so much thereof as is from time to time
outstanding at the rate hereinafter provided, and payable as hereinafter
provided. This Note is one of a series of Notes containing the same terms as
this Note.

1.       Interest Rate. The unpaid principal balance of this Note shall bear
         interest at the rate of ten percent (10%) per annum, simple interest.
         Interest shall be paid in cash at the Maturity of the Note.

2.       Payment/Maturity Date. The total outstanding principal balance hereof,
         together with accrued and unpaid interest, shall be due and payable on
         December 31, 2001; or the Company may extend the Payment Date to March
         31, 2002, by providing notice to the Holder at least five days prior to
         the Payment Date; and by issuing the Holder warrants to purchase shares
         of its Common Stock in accordance with paragraph 6 hereunder.

3.       Conversion. The Notes will automatically convert as described in the
         Summary of Terms attached to the Subscription Agreement.

4.       Default Interest and Attorney Fees. Upon declaration of a default
         hereunder, the balance of the principal remaining unpaid, interest
         accrued thereon, and all other costs, and fees shall bear interest at
         the rate of eighteen percent (18%) per annum from the date of default,
         or the date of advance, as applicable. In the event of default, the
         Company and all other parties liable hereon agree to pay all costs of
         collection, including reasonable attorneys' fees.

5.       Interest Calculation. Daily interest shall be calculated on a 365-day
         year and the actual number of days in each month.

6.       Issuance of Additional Warrants. The Company has issued the Holder
         warrants to purchase shares of its Common Stock on the basis of 10,000
         shares for each $10,000 principal amount Note. If the Company extends
         the Payment Date of the Note in accordance with paragraph 2, it shall
         issue Holder an additional 10,000 shares per each $10,000 principal
         amount of the Note outstanding, pro rata for any amount less than
         $10,000.

7.       Prepayment. This Note may be prepaid in whole or in part.

8.       Costs of Collection. Company agrees that if, and as often as, this Note
         is placed in the hands of an attorney for collection or to defend or
         enforce any of Holder's rights hereunder or under any instrument
         securing payment of this Note, Company shall pay to Holder its
         reasonable attorneys' fees and all court costs and other expenses
         incurred in connection therewith, regardless of whether a lawsuit is
         ever commenced or whether, if commenced, the same proceeds to judgment
         or not. Such costs and expenses shall include, without limitation, all
         costs, reasonable attorneys' fees, and expenses incurred by Holder in
         connection with any insolvency, bankruptcy, reorganization,
         foreclosure, deed in lieu of foreclosure or similar proceedings
         involving Company or any endorser, surety, guarantor, or other person
         liable for this Note which in any way affect the exercise by Holder of
         its rights

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         and remedies under this Note, or any other document or instrument
         securing, evidencing, or relating to the indebtedness evidenced by this
         Note.

9.       Default. At the option of Holder, the unpaid principal balance of this
         Note and all accrued interest thereon shall become immediately due,
         payable, and collectible, with written notice of default and demand,
         and with five days notice to cure any default, upon the occurrence at
         any time of any of the following events, each of which shall be deemed
         to be an event of default hereunder:

         a.       Company's failure to make any payment of principal, interest,
                  or other charges on or before the date on which such payment
                  becomes due and payable under this Note.

         b.       Company's breach or violation of any agreement or covenant
                  contained in this Note, or in any other document or instrument
                  securing, evidencing, or relating to the indebtedness
                  evidenced by this Note.

         c.       Dissolution, liquidation or termination of Company.

10.      Application of Payments. Any payment made against the indebtedness
         evidenced by this Note shall be applied against the following items in
         the following order: (1) costs of collection, including reasonable
         attorney's fees incurred or paid and all costs, expenses, default
         interest, late charges and other expenses incurred by Holder and
         reimbursable to Holder pursuant to this Note (as described herein); (2)
         default interest accrued to the date of said payment; (3) ordinary
         interest accrued to the date of said payment; and (4) finally,
         outstanding principal.

11.      Assignment and Transferability of Note. Company may assign this Note to
         any entity that acquires Company or substantially all of Company's
         assets. Holder may not transfer the Note in any manner without the
         written agreement of the Company.

12.      Non-Waiver. No delay or omission on the part of Holder in exercising
         any rights or remedy hereunder shall operate as a waiver of such right
         or remedy or of any other right or remedy under this Note. A waiver on
         any one or more occasion shall not be construed as a bar to or waiver
         of any such right and/or remedy on any future occasion.

13.      Maximum Interest. In no event whatsoever shall the amount paid, or
         agreed to be paid, to Holder for the use, forbearance, or retention of
         the money to be loaned hereunder ("Interest") exceed the maximum amount
         permissible under applicable law. If the performance or fulfillment of
         any provision hereof, or any agreement between Company and Holder shall
         result in Interest exceeding the limit for Interest prescribed by law,
         then the amount of such Interest shall be reduced to such limit. If,
         from any circumstance whatsoever, Holder should receive as Interest an
         amount that would exceed the highest lawful rate, the amount that would
         be excessive Interest shall be applied to the reduction of the
         principal balance owing hereunder (or, at the option of Holder, be paid
         over to Company) and not to the payment of Interest.

14.      Purpose of Loan. Company certifies that the loan evidenced by this Note
         is obtained for business or commercial purposes and that the proceeds
         thereof will not be used primarily for personal, family, household, or
         agricultural purposes.

15.      Governing Law. As an additional consideration for the extension of
         credit, Company and each endorser, surety, guarantor, and any other
         person who may become liable for all or any part of this obligation
         understand and agree that the loan evidenced by this Note is made in
         the State of Colorado and the provisions hereof will be construed in
         accordance with the laws of the State of Colorado, and such parties
         further agree that in the event of default this Note may be enforced in
         any court of competent jurisdiction in the State of Colorado, and they
         do hereby submit to the jurisdiction of such court regardless of their
         residence or where this Note was executed or any endorsement hereof may
         be executed.

16.      Arbitration. If at any time during the term of this Note any dispute,
         difference, or disagreement shall arise upon or in respect of the Note,
         and the meaning and construction hereof, every such dispute,
         difference, and disagreement

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         shall be referred to a single arbiter agreed upon by the parties, or if
         no single arbiter can be agreed upon, an arbiter or arbiters shall be
         selected in accordance with the rules of the American Arbitration
         Association and such dispute, difference, or disagreement shall be
         settled by arbitration in accordance with the then prevailing
         commercial rules of the American Arbitration Association, and judgment
         upon the award rendered by the arbiter may be entered in any court
         having jurisdiction thereof.

17.      Binding Effect. The term "Company" as used herein shall include the
         original Company of this Note and any party who may subsequently become
         liable for the payment hereof as an assumer with the consent of the
         Holder, provided that Holder may, at its option, consider the original
         Company of this Note alone as Company unless Holder has consented in
         writing to the substitution of another party as Company. The term
         "Holder" as used herein shall mean Holder or, if this Note is
         transferred, the then Holder of this Note.

18.      Relationship of Parties. Nothing herein contained shall create or be
         deemed or construed to create a joint venture or partnership between
         Company and Holder. Holder is acting hereunder as a lender only.

19.      Severability. Invalidation of any of the provisions of this Note or of
         any paragraph, sentence, clause, phrase, or word herein, or the
         application thereof in any given circumstance, shall not affect the
         validity of the remainder of this Note.

20.      Amendment. This Note may not be amended, modified, or changed, except
         only by an instrument in writing signed by both of the parties.

21.      Time of the Essence. Time is of the essence for the performance of each
         and every obligation of Company hereunder.

         IN WITNESS WHEREOF, the undersigned has executed this Note as of
[Date of Note], 2001.

                                            ELITE LOGISTICS, INC.
                                            an Idaho corporation

                                            By:
                                                -------------------------------
                                                    Joseph Smith, CEO

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