Document:

<PAGE>   1
                                                                    EXHIBIT 10.2

================================================================================

                           HEALTHCARE RECOVERIES, INC.
                                 AS THE BORROWER

                                       AND

                     THE FINANCIAL INSTITUTIONS NAMED HEREIN
                                   AS LENDERS

                                       AND

                         NATIONAL CITY BANK OF KENTUCKY
                             AS ADMINISTRATIVE AGENT

                                 AMENDMENT NO. 4
                                   DATED AS OF
                                  JUNE 23, 2000

                                       TO

                                CREDIT AGREEMENT
                                   DATED AS OF
                                FEBRUARY 1, 1998

================================================================================

<PAGE>   2

                      AMENDMENT NO. 4 TO CREDIT AGREEMENT

         THIS AMENDMENT NO. 4 TO CREDIT AGREEMENT, dated as of June 23, 2000
("THIS AMENDMENT"), among the following:

                  (i)      HEALTHCARE RECOVERIES, INC., a Delaware corporation
         (herein, together with its successors and assigns, the "BORROWER");

                  (ii)     the financial institutions listed on the signature
         pages hereof (the "LENDERS"); and

                  (iii)    NATIONAL CITY BANK OF KENTUCKY, a national banking
         association, as Administrative Agent (the "ADMINISTRATIVE AGENT") for
         the Lenders under the Credit Agreement:

         PRELIMINARY STATEMENTS:

         (1)      The Borrower, the Lenders named therein, and the
Administrative Agent entered into the Credit Agreement, dated as of February 1,
1998, as amended by Amendment No. 1 thereto, dated as of May 15, 1998, Amendment
No. 2 thereto, dated as of March 1, 1999, and Amendment No. 3 thereto, dated as
of May 15, 2000 (as so amended, the "CREDIT AGREEMENT"; with the terms defined
therein, or the definitions of which are incorporated therein, being used herein
as so defined).

         (2)      The parties hereto desire to amend certain of the terms of the
Credit Agreement, as more fully set forth below.

         NOW, THEREFORE, the parties hereby agree as follows:

         1.       AMENDMENT TO COVENANT ON ADVANCES, INVESTMENTS, ETC. Clause
(p) of section 9.5 of the Credit Agreement is amended to read in its entirety as
follows:

                  (p)      any other loans, advances, investments (whether in
         the form of cash or contribution of property, and if in the form of a
         contribution of property, such property shall be valued for purposes of
         this clause (p) at the fair value thereof as reasonably determined by
         the Borrower) and Guaranty Obligations, including, without limitation,
         in or to or for the benefit of, Subsidiaries, joint ventures, or other
         persons, not otherwise permitted by the foregoing clauses, made after
         the end of the most recent fiscal quarter of the Borrower for which
         financial statements were furnished to the Lenders prior to the
         Effective Date (such loans, advances and investments and Guaranty
         Obligations, collectively, "BASKET INVESTMENTS AND GUARANTEES"), shall
         be permitted to be incurred if (i) no Event of Default shall have
         occurred and be continuing, or would result therefrom, (ii) the
         aggregate Basket Investments and Guarantees outstanding at any time
         does not exceed $10,000,000, and (iii) no more than $900,000 of the
         aggregate Basket Investments and Guarantees outstanding at any time
         (exclusive of any unpaid or accrued interest thereon) consists of loans
         or advances to, and Guaranty Obligations incurred to support
         Indebtedness of, officers, directors and employees of the Borrower and
         its Subsidiaries.

         2.       REPRESENTATIONS AND WARRANTIES. The Borrower represents and
warrants as follows:

<PAGE>   3

                  (a)      AUTHORIZATION, VALIDITY AND BINDING EFFECT. This
         Amendment has been duly authorized by all necessary corporate action on
         the part of the Borrower, has been duly executed and delivered by a
         duly authorized officer or officers of the Borrower, and constitutes
         the valid and binding agreement of the Borrower, enforceable against
         the Borrower in accordance with its terms.

                  (b)      REPRESENTATIONS AND WARRANTIES TRUE AND CORRECT. The
         representations and warranties of the Borrower contained in the Credit
         Agreement, as amended hereby, are true and correct on and as of the
         date hereof as though made on and as of the date hereof, except to the
         extent that such representations and warranties expressly relate to a
         specified date, in which case such representations and warranties are
         hereby reaffirmed as true and correct when made.

                  (c)      NO EVENT OF DEFAULT, ETC. No condition or event has
         occurred or exists which constitutes or which, after notice or lapse of
         time or both, would constitute an Event of Default.

                  (d)      COMPLIANCE. The Borrower is in full compliance with
         all covenants and agreements contained in the Credit Agreement, as
         amended hereby.

         3.       EFFECTIVENESS. This Amendment shall become effective on and as
of the date (the "EFFECTIVE DATE"), on or before June 23, 2000 if the following
conditions are satisfied:

                  (a)      this Amendment shall have been executed by the
         Borrower and the Administrative Agent, and counterparts hereof as so
         executed shall have been delivered to the Administrative Agent; and

                  (b)      the Administrative Agent shall have been notified by
         the Required Lenders that such Lenders have executed this Amendment
         (which notification may be by facsimile or other written confirmation
         of such execution).

 The Administrative Agent shall notify the Borrower and each Lender in writing
of the effectiveness hereof and of the specific Effective Date.

         4.       RATIFICATIONS. The terms and provisions set forth in this
Amendment shall modify and supersede all inconsistent terms and provisions set
forth in the Credit Agreement, and except as expressly modified and superseded
by this Amendment, the terms and provisions of the Credit Agreement are ratified
and confirmed and shall continue in full force and effect.

         5.       MISCELLANEOUS.

         5.1.     SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon
and inure to the benefit of the Borrower, each Lender and the Administrative
Agent and their respective permitted successors and assigns.

         5.2.     SURVIVAL OF REPRESENTATIONS AND WARRANTIES. All
representations and warranties made in this Amendment shall survive the
execution and delivery of this Amendment, and no investigation by the
Administrative Agent or any Lender or any subsequent Loan or issuance of a
Letter of Credit shall affect the representations and warranties or the right of
the Administrative Agent or any Lender to rely upon them.

         5.3.     REFERENCE TO CREDIT AGREEMENT. The Credit Agreement and any
and all other agreements, instruments or documentation now or hereafter executed
and delivered pursuant to the terms of

                                       2
<PAGE>   4

the Credit Agreement as amended hereby, are hereby amended so that any reference
therein to the Credit Agreement shall mean a reference to the Credit Agreement
as amended hereby.

         5.4.     EXPENSES. As provided in the Credit Agreement, but without
limiting any terms or provisions thereof, the Borrower agrees to pay on demand
all costs and expenses incurred by the Administrative Agent in connection with
the preparation, negotiation, and execution of this Amendment, including without
limitation the costs and fees of the Administrative Agent's special legal
counsel, regardless of whether this Amendment becomes effective in accordance
with the terms hereof, and all costs and expenses incurred by the Administrative
Agent or any Lender in connection with the enforcement or preservation of any
rights under the Credit Agreement, as amended hereby.

         5.5.     SEVERABILITY. Any term or provision of this Amendment held by
a court of competent jurisdiction to be invalid or unenforceable shall not
impair or invalidate the remainder of this Amendment and the effect thereof
shall be confined to the term or provision so held to be invalid or
unenforceable.

         5.6.     APPLICABLE LAW. This Amendment shall be governed by and
construed in accordance with the laws of the Commonwealth of Kentucky.

         5.7.     HEADINGS. The headings, captions and arrangements used in this
Amendment are for convenience only and shall not affect the interpretation of
this Amendment.

         5.8.     ENTIRE AGREEMENT. This Amendment is specifically limited to
the matters expressly set forth herein. This Amendment and all other
instruments, agreements and documentation executed and delivered in connection
with this Amendment embody the final, entire agreement among the parties hereto
with respect to the subject matter hereof and supersede any and all prior
commitments, agreements, representations and understandings, whether written or
oral, relating to the matters covered by this Amendment, and may not be
contradicted or varied by evidence of prior, contemporaneous or subsequent oral
agreements or discussions of the parties hereto. There are no oral agreements
among the parties hereto relating to the subject matter hereof or any other
subject matter relating to the Credit Agreement.

         5.9.     COUNTERPARTS. This Amendment may be executed by the parties
hereto separately in one or more counterparts, each of which when so executed
shall be deemed to be an original, but all of which when taken together shall
constitute one and the same agreement.

                                       3
<PAGE>   5

         IN WITNESS WHEREOF, this Amendment has been duly executed and delivered
as of the date first above written.

 HEALTHCARE RECOVERIES, INC.          NATIONAL CITY BANK OF KENTUCKY,
                                       individually as a Lender, a Letter of
                                       Credit Issuer and as Administrative Agent

 By: /s/
    --------------------------
    Chief Financial Officer           By:  /s/
                                         ------------------------------------
                                               Senior Vice President

 BANK ONE, KENTUCKY, N.A.             AMSOUTH BANK (successor in interest by
                                      merger to First American National Bank)

 By: /s/
    --------------------------
    Title:                            By:  /s/
                                         ------------------------------------
                                         Title:

                                      LASALLE BANK NATIONAL
                                      ASSOCIATION
                                        f/k/a LaSalle National Bank

                                      By:  /s/
                                         ------------------------------------
                                         Title:

                                       4<PAGE>   1
                                                                    EXHIBIT 10.3

                              AMENDED AND RESTATED
                                 PROMISSORY NOTE

$886,519.50                                                 LOUISVILLE, KENTUCKY
                                                                   JUNE 30, 2000

         FOR VALUE RECEIVED, PATRICK B. MCGINNIS, of Oldham County residing at
3906 Eagle Way, Prospect, Kentucky 40059, ("Maker"), hereby promises and agrees
to pay to the order of HEALTHCARE RECOVERIES, INC. ("Payee"), a Delaware
corporation, in legal tender of the United States of America, the principal sum
of EIGHT HUNDRED EIGHTY SIX THOUSAND FIVE HUNDRED NINETEEN DOLLARS AND FIFTY
CENTS ($886,519.50), at the time provided below, together with interest computed
from the date of this Promissory Note (the "Note") in accordance with the terms
hereof.

         1.       EXPANSION AND RENEWAL. This Note is an amendment and
restatement of that certain Promissory Note, dated March 31, 1999, by and
between Maker and Payee, in the face principal amount of $350,000, to which
principal amount is added $36,519.50 of accrued but unpaid interest upon the
principal balance (the "Original Note") and an additional $500,000 in
indebtedness advanced to Maker by Payee. The Maker agrees that the execution of
this Note is not intended to, nor shall it operate as, a release, discharge,
compromise, or satisfaction of the Original Note, which, as an obligation of the
Maker, shall survive the execution of this Note, and is incorporated herein by
reference.

         2.       INTEREST RATE; PAYMENT OF INTEREST AND PRINCIPAL.

                  2.1      INTEREST RATE. The unpaid principal balance of this
Note shall bear interest at a fixed rate of 6.62% per annum, compounded annually
and payable, except as provided in Section 2.3 hereof, on the Maturity Date (as
defined below); provided, however, that upon any Event of Default or if amounts
owed are not paid within ten days of the Maturity Date that rate shall become
9.12% per annum.

                  2.2      MATURITY. The unpaid principal balance of, and all
accrued interest on, this Note, unless sooner paid, shall be due and payable
upon the earlier of (i) January 1, 2005 or (ii) the termination (whether
voluntary or involuntary) of Maker's employment with Payee (the "Maturity
Date").

                  2.3      PREPAYMENT. Maker may prepay this Note in whole or in
part without penalty or premium at any time and from time to time; provided,
however (i) 100% of the gain, net of estimated taxes (with any necessary
adjustments paid by Maker or Payee, as the case may be, upon filing of Maker's
tax return to reflect the actual taxes owed), earned by Maker on the sale of
common stock of the Payee ("Payee Common Stock"), (ii) 50% of the difference
between (x) the fair market value of the shares of Payee Common Stock issued
upon Maker's exercise of any option to purchase Payee Common Stock and (y) the
exercise price paid for such shares of Payee Common Stock and (iii) 100% of any
payments whatsoever received by Maker upon any change of control of Payee, shall
be paid to Payee and applied to the principal balance within

<PAGE>   2

thirty days after such sale, exercise or payment, as the case may be. Except as
provided above, if the Maker prepays any portion of the principal pursuant to
this Section 2.3, the amount prepaid shall be applied first to accrued but
unpaid interest and then to principal balance that remains unpaid.

         3.       EVENTS OF DEFAULT; REMEDIES; FORBEARANCE.

                  3.1      EVENTS OF DEFAULT. If Maker (i) makes a general
assignment for the benefit of his creditors, (ii) applies for or consents to the
appointment of a receiver, trustee or liquidator of all of his assets, (iii) is
adjudicated a bankrupt or insolvent, (iv) files a voluntary petition of
bankruptcy or petition or answer seeking a composition, reorganization or
arrangement with creditors, or admits (by answer, default or otherwise) the
material allegations of any petition filed against him in any bankruptcy,
reorganization, composition, insolvency or other proceedings (whether Federal or
state) relating to relief of debtors, (v) suffers or permits to continue
unstayed and in effect for 90 consecutive days any judgment, decree or order
entered by a court or governmental agency of competent jurisdiction, appointing
a receiver, trustee or liquidator for substantially all of his assets, or (vi)
if Maker fails to pay Payee, within thirty days after the sale, exercise or
payment, as the case may be (x) 100% of the gain, net of estimated taxes (with
any necessary adjustments paid by Maker or Payee, as the case may be, upon
filing of Maker's tax return to reflect the actual taxes owed), earned by Maker
on the sale of Payee Common Stock, (y) 50% of the difference between (A) the
fair market value of the shares of Payee Common Stock issued upon the Maker's
exercise of any option to purchase Payee Common Stock and (B) the exercise price
paid for such shares of Payee Common Stock or (z) 100% of any payments
whatsoever received by Maker upon any change of control of Payee, and such
failure, as described in (x), (y) or (z), continues uncured for thirty days
after notice by Payee to Maker; such occurrence or occurrences shall constitute
an "Event of Default" under this Note. Upon the occurrence of any Event of
Default, Payee or any subsequent holder of this Note may declare all sums of
principal and interest evidenced hereby to be accelerated and immediately due
and payable without demand or notice of any kind, in such order as Payee shall
determine in its sole discretion, and Payee may thereupon exercise all rights
and remedies granted it or available to it in law or in equity.

                  3.2      REMEDIES. If Maker fails to pay the entire principal
balance and all accrued but unpaid interest when due, and Payee institutes any
suit or action to enforce this Note, Maker shall pay to Payee, in addition to
the costs and disbursements otherwise allowed by law, such sums as may be
adjudged reasonable attorney's fees, court costs, and all other expenses in
collecting or attempting to collect this Note.

                  3.3      FORBEARANCE. Payee may, at its sole discretion, grant
an extension of time for payment of any amount due under the terms of this Note
or any other indulgence or forbearance, without affecting the liability of the
Maker under this Note and without waiving any rights Payee may have under this
Note or under the laws of the United States, the Commonwealth of Kentucky or any
other state.

         4.       RIGHT OF SET-OFF. In the event that (i) Maker's employment is
terminated, whether voluntarily or involuntarily, and he is entitled to any
compensation as a result of such termination

                                      - 2 -
<PAGE>   3

or (ii) Maker is entitled to any payments as a result of a change of control of
Payee, Payee may, in its sole discretion, apply such amounts against amounts to
which Payee is then entitled under this Note.

         5.       MISCELLANEOUS PROVISIONS.

                  5.1      WAIVER OF PRESENTMENT, PROTEST AND NOTICE OF
DISHONOR. Maker waives presentment, protest, notice of dishonor, and all other
notices normally required by law, except where notice is expressly provided for
in this Note.

                  5.2      REMEDIES NOT EXCLUSIVE. No remedy herein conferred
upon or reserved to Payee is intended to be exclusive of any other remedy or
remedies available to Payee under this Note, at law, in equity or by statute,
and each and every such remedy shall be cumulative and in addition to every
other remedy given hereunder or now or hereafter existing at law, in equity or
by statute.

                  5.3      NO WAIVERS BY PAYEE. No delay or omission of Payee in
exercising any right or power accruing upon any default under this Note shall
impair any such right or power or shall be construed to be a waiver of any
default under this Note or any acquiescence herein, nor shall any single or
partial exercise of any such right or power or any abandonment or discontinuance
of steps to enforce such right or power, preclude any other or further exercise
hereof or the exercise of any other right or power. Acceptance of any payment
after the occurrence of a default under this Note shall not be deemed to waive
or cure such default under this Note; and every power and remedy given by this
Note to Payee may be exercised from time to time as often as may be deemed
expedient by Payee. Maker hereby waives any right to require Payee at any time
to pursue any remedy in Payee's power whatsoever.

                  5.4      NOTICES. All notices, requests, demands and other
communications required or permitted to be given or made under this Note shall
be in writing and shall be deemed to have been given on the date of personal
delivery or on the third business day following the date of deposit in the
United States Mail, postage prepaid, by registered or certified mail, return
receipt requested, or facsimile transmission, or on the first business day
following the date of delivery to a nationally recognized overnight courier
service, in the case of the Maker, addressed to the address set forth in
introductory paragraph of this Note, and if to Payee to:

Healthcare Recoveries, Inc.
1400 Watterson Tower
Louisville, Kentucky 40218
Attention: Douglas R. Sharps

or to such other address as the parties to this Note may designate.

                  5.5      TIME OF THE ESSENCE. TIME SHALL BE OF THE ESSENCE IN
THE PERFORMANCE OF ALL OBLIGATIONS OF MAKER HEREUNDER.

                  5.6      GOVERNING LAW. This Note is executed and delivered
in, and shall be construed and enforced in accordance with the laws of, the
Commonwealth of Kentucky.

                                      - 3 -
<PAGE>   4

         IN WITNESS WHEREOF, Maker has executed this Note on and as of the day
and year first above written.

                                                /s/ Patrick B. McGinnis
                                               ---------------------------
                                               PATRICK B. MCGINNIS
                                                     ("Maker")

                                      - 4 -

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00013-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00013-of-00352.parquet"}]]