Document:

<PAGE>

                                                                    EXHIBIT 10.1

                                                              February 18, 2005
Trinity Healthcare of Winston-Salem, Inc.
3918 West Point Boulevard
Winston-Salem, North Carolina 27103

Ladies and Gentlemen:

      This letter constitutes an agreement by and between COMERICA BANK, a
Michigan banking corporation (herein called "Bank"), and TRINITY HEALTHCARE OF
WINSTON-SALEM, INC., a Georgia corporation (herein called "Company"), pertaining
to certain loans and other credit which Bank has made or may from time to time
hereafter make available to Company.

      In consideration of all present and future loans and credit from time to
time made available by Bank to or in favor of Company, and in consideration of
all present and future liabilities, obligations and indebtedness of Company to
Bank, howsoever created, evidenced, existing or arising, whether direct or
indirect, absolute or contingent, joint or several, now or hereafter existing or
arising, or due or to become due, and all extensions and/or renewals thereof
(herein collectively called the "Liabilities"), Company covenants and agrees as
follows:

      1.    Each loan or other extension of credit made by Bank to or otherwise
in favor of Company shall be evidenced by and subject to a promissory note or
other agreement or evidence of indebtedness acceptable to Bank, and executed and
delivered by Company unto Bank (any and all notes, instruments, documents and
agreements at any time evidencing, governing, securing or otherwise relating to
any of the Liabilities are herein collectively called the "Loan Documents").

      2.    So long as Bank shall have any commitment or obligation, if any, to
make or extend loans, advances or other credit to or in favor of Company, and so
long as any Liabilities remain unpaid and/or outstanding, Company covenants and
agrees that it shall:

      (a)   Furnish, or cause to be furnished, to Bank, (i) within one hundred
            twenty (120) days after and as of the end of each fiscal year of
            Company, financial statements of Company for and as of the end of
            each such year, containing the balance sheet of Company as of the
            end of each such fiscal year, and statements of income and retained
            earnings and changes in financial position of Company for each such
            year, and such other comments and financial details as are usually
            included in similar statements and reports; (ii) within thirty (30)
            days after and as of the end of each month, financial statements of
            Company, containing the balance sheet of Company as of the end of
            each such month then ending, and statements of income and retained
            earnings and changes in financial position of Company for the month
            then ending and for the portion of the fiscal year of Company
            through the end of such month then ending; (iii) within ten (10)
            days after and as of the end of each month, agings of Company's
            accounts receivable and accounts payable, an inventory report and a
            borrowing base report; (iv) on or before April 30 of each

<PAGE>

            year and as of a date not more than sixty (60) days prior thereto,
            an updated personal financial statement for John E. Elliott II,
            Lawrence R. Kuhnert and each other individual that becomes a
            guarantor of any of the Liabilities after the date hereof; and (v)
            promptly, such other information and reports as Bank may reasonably
            request from time to time or which is to be furnished to Bank in
            accordance with any of the Loan Documents. The annual statements to
            be furnished to Bank pursuant to (i) above shall be reviewed by
            independent certified public accountants selected by Company and
            acceptable to Bank, and the monthly financial statements and reports
            to be furnished to Bank pursuant to (ii) and (iii) above shall be
            prepared by Company and certified by an authorized officer of
            Company. All of such financial statements should be prepared in
            accordance with generally accepted accounting principles
            consistently applied ("GAAP"), and all such financial statements and
            other information and reports to be furnished to Bank pursuant to
            the provisions hereof shall be in form and detail reasonably
            satisfactory to Bank.

      (b)   Promptly inform Bank of the occurrence of any event of default, or
            any condition or event which, with the giving of notice or the
            passage of time, or both, would constitute an event of default,
            under any of the Liabilities or Loan Documents, and of any condition
            or event which has had or could have a material adverse effect upon
            Company's business, properties, financial condition or its ability
            to observe, perform or comply with its liabilities and obligations
            hereunder or otherwise in respect of any of the Liabilities or the
            Loan Documents.

      (c)   Keep proper books of record and account in which full and correct
            entries shall be made of all of its financial transactions and its
            assets and businesses so as to permit the presentation of financial
            statements (including, without limitation, those financial
            statements to be delivered to Bank pursuant to Section 2(a) above)
            prepared in accordance with GAAP; permit Bank, or its
            representatives, at reasonable times and intervals, to visit all of
            Company's offices and to make inquiries as to Company's financial
            matters with its respective directors, officers, members, employees,
            and independent certified public accountants; and permit Bank,
            through Bank's authorized attorneys, accountants and
            representatives, to inspect, audit and examine Company's books,
            accounts, records, ledgers and assets and properties of every kind
            and description, wherever located, at all reasonable times during
            normal business hours. Company shall reimburse Bank for all
            reasonable costs and expenses incurred by Bank in connection with
            such inspections, examinations and audits, and to pay to Bank such
            fees as Bank may reasonably charge in respect of such inspections,
            examinations and audits, or as otherwise mutually agreed upon by
            Company and Bank; provided, however, so long as no default or event
            of default has occurred and is continuing under any of the
            Liabilities or Loan Documents, Company shall not be required to
            reimburse Bank for more than two (2) such audits during each twelve
            month period hereafter.

      (d)   Maintain all cash collection and general disbursement accounts with
            Bank.

                                       2
<PAGE>

      3.    Without in any way whatsoever limiting or affecting Bank's right to
make demand for payment of all or any part of any of the Liabilities which may,
at any time, be payable upon demand, Company hereby acknowledges and agrees
that, in addition to any and all other provisions set forth in any of the Loan
Documents relating to any default or event of default thereunder, an event of
default shall also occur under the Liabilities and the Loan Documents in the
event that there shall be any change, for any reason whatsoever, in the
management, ownership or control of Company, which could, in the sole discretion
and judgment of Bank, have a material adverse effect upon Company and/or its
ability to pay and perform any of its liabilities or obligations in respect of
the Liabilities and the Loan Documents.

      4.    Any failure by Company to fully observe, perform or otherwise comply
with any of the covenants or agreements of Company set forth in this Agreement
shall constitute an event of default under the Liabilities, and Bank shall be
entitled to exercise any and all rights and remedies available to or otherwise
conferred upon Bank as a result thereof, whether by agreement, by law or
otherwise.

      5.    COMPANY HEREBY ACKNOWLEDGES AND AGREES THAT COMPANY'S COMPLIANCE
WITH THE TERMS AND CONDITIONS SET FORTH HEREIN, AND THE ABSENCE OF ANY DEFAULT
OR EVENT OF DEFAULT BY COMPANY IN THE OBSERVANCE OR PERFORMANCE OF ANY OF THE
COVENANTS OR AGREEMENTS OF COMPANY HEREUNDER, SHALL NOT IN ANY WAY LIMIT,
RESTRICT OR OTHERWISE AFFECT OR IMPAIR BANK'S RIGHT OR ABILITY TO MAKE DEMAND
FOR PAYMENT OF ANY OR ALL OF THE LIABILITIES WHICH MAY BE ON A DEMAND BASIS AT
ANY TIME IN BANK'S SOLE AND ABSOLUTE DISCRETION, WITH OR WITHOUT REASON OR
CAUSE, AND THE EXISTENCE OF ANY DEFAULT OR EVENT OF DEFAULT HEREUNDER SHALL NOT
BE THE SOLE REASON OR BASIS FOR ENABLING BANK TO MAKE DEMAND FOR PAYMENT OF ALL
OR ANY PART OF SUCH LIABILITIES.

      6.    All accounting terms not specifically defined in this Agreement
shall be determined and construed in accordance with GAAP.

      7.    No forbearance on the part of the Bank in enforcing any of its
rights or remedies under this Agreement or any other Loan Document, nor any
renewal, extension or rearrangement of any payment or covenant to be made or
performed by Company hereunder or any such other Loan Document, shall constitute
a waiver of any of the terms of this Agreement or such Loan Document or of any
such right or remedy.

      8.    This Agreement shall be governed by and construed and enforced in
accordance with the laws of the State of Michigan.

      9.    Company agrees to reimburse Bank, upon demand, for all costs and
expenses (including, without limitation, reasonable attorneys' fees, whether
in-house or outside counsel) incurred by Bank in connection with the
documentation and preparation of this Agreement, the other Loan Documents, and
otherwise in respect of the Liabilities, and the consummation and the closing of
the transactions contemplated hereby or thereby, any default or events of
default under or in respect of any of the Liabilities or in collecting or in
attempting to collect any of the Liabilities, in perfecting, maintaining or
defending any of the Bank's liens or security interests (or the priority
thereof), if any, in any collateral securing any part of any of the Liabilities,
or

                                       3
<PAGE>

otherwise in enforcing any of Bank's rights or remedies under any of the Loan
Documents or otherwise in respect of any of the Liabilities.

      10.   This Agreement shall inure to the benefit of and shall be binding
upon the parties hereto and their respective successors and assigns; provided,
however, that Company shall not assign or transfer any of its rights or
obligations hereunder or otherwise in respect of any of the Liabilities without
the prior written consent of Bank.

      11.   COMPANY AND BANK ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A
CONSTITUTIONAL ONE, BUT THAT IT MAY BE WAIVED. EACH PARTY, AFTER CONSULTING (OR
HAVING HAD THE OPPORTUNITY TO CONSULT) WITH COUNSEL OF THEIR CHOICE, KNOWINGLY
AND VOLUNTARILY, AND FOR THEIR MUTUAL BENEFIT, WAIVE ANY RIGHT TO TRIAL BY JURY
IN THE EVENT OF LITIGATION REGARDING THE PERFORMANCE OR ENFORCEMENT OF, OR IN
ANY WAY RELATED TO, THIS AGREEMENT OR THE LIABILITIES.

      If the foregoing is acceptable to Company, please indicate such with the
signature(s) of Company as provided below.

                                                  Very truly yours,

                                                  COMERICA BANK

                                                  By: __________________________

                                                  Its:__________________________

ACCEPTED, ACKNOWLEDGED
AND AGREED:

TRINITY HEALTHCARE OF WINSTON-SALEM, INC.

By:____________________________
       Lakshu Sundaram

Its:___________________________

Dated: February 18, 2005

                                       4<PAGE>
                                                                               .
                                                                               .
                                                                               .

                                                                    EXHIBIT 10.2

                     MASTER REVOLVING NOTE
[COMERICA LOGO]      Variable Rate-Demand - Optional Advances (Business and
                     Commercial Loans Only)

<TABLE>
<CAPTION>
   AMOUNT                NOTE DATE             MATURITY DATE           TAX IDENTIFICATION NUMBER
<S>                  <C>                       <C>                     <C>
$   2,000,000        February 18, 2005         ON DEMAND
</TABLE>

FOR VALUE RECEIVED, the undersigned promise(s) to pay ON DEMAND to the order of
Comerica Bank ("Bank"), at any office of the Bank in the State of Michigan, Two
Million Dollars (U.S.) (or that portion of it advanced by the Bank and not
repaid as later provided) with interest until demand or until Default, as later
defined, at a per annum rate equal to the Bank's prime rate from time to time in
effect plus .50% per annum and after that at a rate equal to the rate of
interest otherwise prevailing under this Note plus 3% per annum (but in no event
in excess of the maximum rate permitted by law). The Bank's "prime rate" is that
annual rate of interest so designated by the Bank and which is changed by the
Bank from time to time. Interest rate changes will be effective for interest
computation purposes as and when the Bank's prime rate changes. Interest shall
be calculated on the basis of a 360-day year for the actual number of days the
principal is outstanding. Unless sooner demanded, accrued interest on this Note
shall be payable on the first day of each month commencing March 1, 2005. If the
frequency of interest payments is not otherwise specified, accrued interest on
this Note shall be payable monthly on the first day of each month, unless sooner
demanded. If any payment of principal or interest under this Note shall be
payable on a day other than a day on which the Bank is open for business, this
payment shall be extended to the next succeeding business day and interest shall
be payable at the rate specified in this Note during this extension. A late
payment charge equal to 5% of each late payment may be charged on any payment
not received by the Bank within 10 calendar days after the payment due date, but
acceptance of payment of this charge shall not waive any Default under this
Note.

The principal amount payable under this Note shall be the sum of all advances
made by the Bank to or at the request of the undersigned, less principal
payments actually received in cash by the Bank. The books and records of the
Bank shall be the best evidence of the principal amount and the unpaid interest
amount owing at any time under this Note and shall be conclusive absent manifest
error. No interest shall accrue under this Note until the date of the first
advance made by the Bank; after that interest on all advances shall accrue and
be computed on the principal balance outstanding from time to time under this
Note until the same is paid in full. At no time shall the Bank be under any
obligation to make any advances to the undersigned pursuant to this Note
(notwithstanding anything expressed or implied in this Note or elsewhere to the
contrary, including without limit if the Bank supplies the undersigned with a
borrowing formula) and the Bank, at any time and from time to time, without
notice, and in its sole discretion, may refuse to make advances to the
undersigned without incurring any liability due to this refusal and without
affecting the undersigned's liability under this Note for any and all amounts
advanced.

This Note and any other indebtedness and liabilities of any kind of the
undersigned (or any of them) to the Bank, and any and all modifications,
renewals or extensions of it, whether joint or several, contingent or absolute,
now existing or later arising, and however evidenced (collectively
"Indebtedness") are secured by and the Bank is granted a security interest in
all items deposited in any account of any of the undersigned with the Bank and
by all proceeds of these items (cash or otherwise), all account balances of any
of the undersigned from time to time with the Bank, by all property of any of
the undersigned from time to time in the possession of the Bank and by any other
collateral, rights and properties described in each and every deed of trust,
mortgage, security agreement, pledge, assignment and other security or
collateral agreement which has been, or will at any time(s) later be, executed
by any (or all) of the undersigned to or for the benefit of the Bank
(collectively "Collateral"). Notwithstanding the above, (i) to the extent that
any portion of the Indebtedness is a consumer loan, that portion shall not be
secured by any deed of trust or mortgage on or other security interest in any of
the undersigned's principal dwelling or in any of the undersigned's real
property which is not a purchase money security interest as to that portion,
unless expressly provided to the contrary in another place, or (ii) if the
undersigned (or any of them) has(have) given or give(s) Bank a deed of trust or
mortgage covering California real property, that deed of trust or mortgage shall
not secure this Note or any other indebtedness of the undersigned (or any of
them), unless expressly provided to the contrary in another place.

If the undersigned (or any of them) or any guarantor under a guaranty of all or
part of the Indebtedness ("guarantor") (i) fail(s) to pay any of the
Indebtedness when due, by maturity, acceleration or otherwise, or fail(s) to pay
any Indebtedness owing on a demand basis upon demand; or (ii) fail(s) to comply
with any of the terms or provisions of any agreement between the undersigned (or
any of them) or any such guarantor and the Bank; or (iii) become(s) insolvent or
the subject of a voluntary or involuntary proceeding in bankruptcy, or a
reorganization, arrangement or creditor composition proceeding, (if a business
entity) cease(s) doing business as a going concern, (if a natural person) die(s)
or become(s) incompetent, (if a partnership) dissolve(s) or any general partner
of it dies, becomes incompetent or becomes the subject of a bankruptcy
proceeding or (if a corporation or a limited liability company) is the subject
of a dissolution, merger or

<PAGE>

consolidation; or (a) if any warranty or representation made by any of the
undersigned or any guarantor in connection with this Note or any of the
Indebtedness shall be discovered to be untrue or incomplete; or (b) if there is
any termination, notice of termination, or breach of any guaranty, pledge,
collateral assignment or subordination agreement relating to all or any part of
the Indebtedness; or (c) if there is any failure by any of the undersigned or
any guarantor to pay when due any of its indebtedness (other than to the Bank)
or in the observance or performance of any term, covenant or condition in any
document evidencing, securing or relating to such indebtedness; or (d) if the
Bank deems itself insecure believing that the prospect of payment of this Note
or any of the Indebtedness is impaired or shall fear deterioration, removal or
waste of any of the Collateral; or (e) if there is filed or issued a levy or
writ of attachment or garnishment or other like judicial process upon the
undersigned (or any of them) or any guarantor or any of the Collateral,
including without limit, any accounts of the undersigned (or any of them) or any
guarantor with the Bank, then the Bank, upon the occurrence of any of these
events (each a "Default"), may at its option and without prior notice to the
undersigned (or any of them), declare any or all of the Indebtedness to be
immediately due and payable (notwithstanding any provisions contained in the
evidence of it to the contrary), sell or liquidate all or any portion of the
Collateral, set off against the Indebtedness any amounts owing by the Bank to
the undersigned (or any of them), charge interest at the default rate provided
in the document evidencing the relevant Indebtedness and exercise any one or
more of the rights and remedies granted to the Bank by any agreement with the
undersigned (or any of them) or given to it under applicable law.

The undersigned acknowledge(s) that this Note matures upon issuance, and that
the Bank, at any time, without notice, and without reason, may demand that this
Note be immediately paid in full. The demand nature of this Note shall not be
deemed modified by reference to a Default in this Note or in any agreement to a
default by the undersigned or to the occurrence of an event of default
(collectively an "Event of Default"). For purposes of this Note, to the extent
there is reference to an Event of Default this reference is for the purpose of
permitting the Bank to accelerate Indebtedness not on a demand basis and to
receive interest at the default rate provided in the document evidencing the
relevant Indebtedness. It is expressly agreed that the Bank may exercise its
demand rights under this Note whether or not an Event of Default has occurred.
The Bank, with or without reason and without notice, may from time to time make
demand for partial payments under this Note and these demands shall not preclude
the Bank from demanding at any time that this Note be immediately paid in full.
All payments under this Note shall be in immediately available United States
funds, without setoff or counterclaim.

If this Note is signed by two or more parties (whether by all as makers or by
one or more as an accommodation party or otherwise), the obligations and
undertakings under this Note shall be that of all and any two or more jointly
and also of each severally. This Note shall bind the undersigned, and the
undersigned's respective heirs, personal representatives, successors and
assigns. The undersigned waive(s) presentment, demand, protest, notice of
dishonor, notice of demand or intent to demand, notice of acceleration or intent
to accelerate, and all other notices and agree(s) that no extension or
indulgence to the undersigned (or any of them) or release, substitution or
nonenforcement of any security, or release or substitution of any of the
undersigned, any guarantor or any other party, whether with or without notice,
shall affect the obligations of any of the undersigned. The undersigned waive(s)
all defenses or right to discharge available under Section 3-605 of the Michigan
Uniform Commercial Code and waive(s) all other suretyship defenses or right to
discharge. The undersigned agree(s) that the Bank has the right to sell, assign,
or grant participations or any interest in, any or all of the Indebtedness, and
that, in connection with this right, but without limiting its ability to make
other disclosures to the full extent allowable, the Bank may disclose all
documents and information which the Bank now or later has relating to the
undersigned or the Indebtedness. The undersigned agree(s) that the Bank may
provide information relating to this Note or relating to the undersigned to the
Bank's parent, affiliates, subsidiaries and service providers.

The undersigned agree(s) to reimburse the holder or owner of this Note upon
demand for any and all costs and expenses (including without limit, court costs,
legal expenses and reasonable attorney fees, whether inside or outside counsel
is used, whether or not suit is instituted and, if suit is instituted, whether
at the trial court level, appellate level, in a bankruptcy, probate or
administrative proceeding or otherwise) incurred in collecting or attempting to
collect this Note or incurred in any other matter or proceeding relating to this
Note.

The undersigned acknowledge(s) and agree(s) that there are no contrary
agreements, oral or written, establishing a term of this Note and agree(s) that
the terms and conditions of this Note may not be amended, waived or modified
except in a writing signed by an officer of the Bank expressly stating that the
writing constitutes an amendment, waiver or modification of the terms of this
Note. As used in this Note, the word "undersigned" means, individually and
collectively, each maker, accommodation party, indorser and other party signing
this Note in a similar capacity. If any provision of this Note is unenforceable
in whole or part for any reason, the remaining provisions shall continue to be
effective. THIS NOTE IS MADE IN THE STATE OF MICHIGAN AND SHALL BE GOVERNED BY
AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF MICHIGAN,
WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES.

                                       2
<PAGE>

THE MAXIMUM INTEREST RATE SHALL NOT EXCEED 25% PER ANNUM, OR THE HIGHEST
APPLICABLE USURY CEILING, WHICHEVER IS LESS.

THE UNDERSIGNED AND THE BANK ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A
CONSTITUTIONAL ONE, BUT THAT IT MAY BE WAIVED. EACH PARTY, AFTER CONSULTING (OR
HAVING HAD THE OPPORTUNITY TO CONSULT) WITH COUNSEL OF THEIR CHOICE, KNOWINGLY
AND VOLUNTARILY, AND FOR THEIR MUTUAL BENEFIT, WAIVES ANY RIGHT TO TRIAL BY JURY
IN THE EVENT OF LITIGATION REGARDING THE PERFORMANCE OR ENFORCEMENT OF, OR IN
ANY WAY RELATED TO, THIS NOTE OR THE INDEBTEDNESS.

TRINITY HEALTHCARE OF WINSTON-SALEM, INC.

OBLIGOR NAME TYPED/PRINTED

By:________________________________________
       SIGNATURE OF LAKSHU SUNDARAM

Its:   Vice President of Finance

<TABLE>
<CAPTION>
3918 West Point Boulevard          Winston-Salem           North Carolina            27103
------------------------------------------------------------------------------------------
<S>                                <C>                     <C>                       <C>
STREET ADDRESS                     CITY                    STATE                     ZIP
</TABLE>

<TABLE>
<CAPTION>
                                             FOR BANK USE ONLY                                          CCAR#
<S>                          <C>                        <C>                        <C>                  <C>
LOAN OFFICER INITIALS        LOAN GROUP NAME            OBLIGOR NAME
RDO                          MMBI-Florida               Trinity Healthcare of
                                                        Winston-Salem, Inc.
LOAN OFFICER ID. NO.         LOAN GROUP NO.             OBLIGOR NO.                NOTE NO.             AMOUNT
                                                                                                        $2,000,000
</TABLE>

                                       3

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