Document:

<PAGE>
                                                              Exhibit 10.22

                             PEDIATRIX MEDICAL GROUP

                      AMENDED AND RESTATED CREDIT AGREEMENT

                      Originally Dated as of June 27, 1996
                 As Amended and Restated as of November 1, 2000
                  As Amended and Restated as of August 14, 2001
              As Amended (by Amendment No. 1) as of August 29, 2001
               As Amended (by Amendment No.2) as of June 28, 2002

                                 AMENDMENT NO. 3

                          Dated as of November 22, 2002

                      FLEET NATIONAL BANK, Agent and Lender
          U.S. BANK NATIONAL ASSOCIATION, Syndication Agent and Lender
                  HSBC BANK USA, Documentation Agent and Lender
                        FLEET SECURITIES, INC., Arranger

<PAGE>

                              AMENDMENT NUMBER 3 TO
                      AMENDED AND RESTATED CREDIT AGREEMENT

                          Dated as of November 22, 2002

         This agreement, dated as of November 22, 2002 (this "AMENDMENT"), is
among Pediatrix Medical Group, Inc., a Florida corporation, the Material Related
Entities of Pediatrix Medical Group, Inc. from time to time party hereto, and
the Lenders from time to time party hereto including Fleet National Bank,
formerly known as The First National Bank of Boston, both in its capacity as a
Lender and in its capacity as an Agent, U.S. Bank National Association, formerly
known as Firstar Bank N.A., both in its capacity as a Lender and in its capacity
as Syndication Agent, and HSBC Bank USA, both in its capacity as a Lender and in
its capacity as Documentation Agent. The parties agree as follows:

         1. CREDIT AGREEMENT; DEFINITIONS.

                  1.1. CREDIT AGREEMENT. This Amendment amends the Credit
         Agreement originally dated as of June 27, 1996, as amended and restated
         as of November 1, 2000, as further amended and restated as of August
         14, 2001, as amended as of August 29, 2001 and as further amended as of
         June 28, 2002 among the parties hereto (as in effect prior to giving
         effect to this Amendment, the "CREDIT AGREEMENT").

                  1.2. DEFINITIONS. Terms used in this Amendment but not defined
         herein are used as defined in the Credit Agreement.

         2. AMENDMENTS. Effective upon the date hereof, the Credit Agreement is
amended as follows:

                  2.1. SECTION 6.10. Section 6.10 of the Credit Agreement is
         hereby amended to read in its entirety as follows:

                           "6.10. DISTRIBUTIONS. None of the Borrowers shall
                    make any Distribution except the following: (i)
                    Distributions in respect of the redemption of capital stock
                    of the Company from employees of any Borrower; PROVIDED,
                    HOWEVER, that the amount of all such Distributions shall not
                    exceed $500,000 in the aggregate in any fiscal year; (ii)
                    other Distributions in respect of the redemption of capital
                    stock of the Company; PROVIDED, HOWEVER, that the amount of
                    all such Distributions shall not exceed $100,000,000 in the
                    aggregate during the lifetime of this agreement; (iii)
                    Distributions to the Company by its Subsidiaries; (iv)
                    regularly scheduled payments of interest to the holders of
                    the Subordinated Notes in accordance with the terms of such
                    Subordinated Notes; and (v) regularly scheduled payments of
                    interest to the holders of Approved Subordinated Debt or
                    Approved Contingent Debt in accordance with the terms of
                    such Approved Subordinated Debt or Approved Contingent
                    Debt."

                                      -1-
<PAGE>

         3. REPRESENTATION AND WARRANTY. In order to induce the Agent and the
Lenders to enter into this Amendment, each of the Obligors jointly and severally
represents and warrants that, after giving effect to this Amendment, no Default
exists.

         4. PAYMENT OF AGENT'S LEGAL EXPENSES. Upon or prior to the
effectiveness of this Amendment, each of the Borrowers jointly and severally
agrees to pay the reasonable legal fees and expenses of the Agent with respect
to this Amendment and the transactions contemplated hereby.

         5. MISCELLANEOUS. The Credit Agreement as amended by this Amendment
(the "AMENDED CREDIT AGREEMENT") and all of the Credit Documents are each
confirmed as being in full force and effect. This Amendment, the Amended Credit
Agreement and the other Credit Documents referred to herein or therein
constitute the entire understanding of the parties with respect to the subject
matter hereof and thereof and supersede all prior and current understandings and
agreements, whether written or oral. Each of this Amendment and the Amended
Credit Agreement is a Credit Document and may be executed in any number of
counterparts, which together shall constitute one instrument, and shall bind and
inure to the benefit of the parties and their respective successors and assigns,
including as such successors and assigns all holders of any Credit Obligation.
This Amendment shall be governed by and construed in accordance with the laws
(other than the conflict of law rules) of The Commonwealth of Massachusetts.

             [THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK.]

                                      -2-
<PAGE>

                                      Amendment No. 3 to Pediatrix Medical Group
                                           Amended and Restated Credit Agreement

         IN WITNESS WHEREOF, each of the undersigned has duly executed this
Amendment (or caused this Amendment to be executed on its behalf by its officer
or representative thereunto duly authorized) under seal as of the date first
written above.

                            PEDIATRIX MEDICAL GROUP, INC. (Florida)

                            By:  /s/ Karl B. Wagner
                                 ---------------------------------------
                                 Karl B. Wagner, Chief Financial Officer

                            ALASKA NEONATOLOGY ASSOCIATES, INC.
                            AUGUSTA NEONATOLOGY ASSOCIATES, P.C.
                            DES MOINES PERINATAL CENTER, P.C.
                            FOOTHILL MEDICAL GROUP, INC.
                            FORT WORTH NEONATAL ASSOCIATES, P.A.
                            OBSTETRIX MEDICAL GROUP OF CALIFORNIA, A
                            PROFESSIONAL CORPORATION
                            MAGELLA HEALTHCARE GROUP, L.P.
                            MAGELLA MEDICAL ASSOCIATES, P.A.
                            MAGELLA MEDICAL ASSOCIATES OF GEORGIA, P.C.
                            MAGELLA MEDICAL ASSOCIATES MIDWEST, P.C.
                            MAGELLA MEDICAL GROUP, INC. (d/b/a MAGELLA
                                 MEDICAL GROUP, A MEDICAL CORPORATION)
                            MAGELLA NEVADA, LLC
                            MAGELLA TEXAS, LLC
                            MARCIA J. PERNOLL, M.D. PROF. CORP. d/b/a OBSTETRIX
                                 MEDICAL GROUP OF NEVADA, LTD.
                            MOUNTAIN STATES NEONATOLOGY, INC.
                            NEONATAL AND PEDIATRIC INTENSIVE CARE
                                 MEDICAL GROUP, INC.
                            NEONATOLOGY ASSOCIATES, P.A.
                            NEONATOLOGY-CARDIOLOGY ASSOCIATES, P.A.
                            NEWBORN SPECIALISTS, P.C.
                            OBSTETRIX MEDICAL GROUP OF COLORADO, P.C.
                            OBSTETRIX MEDICAL GROUP OF KANSAS AND
                                 MISSOURI, P.A.
                            OBSTETRIX MEDICAL GROUP OF TEXAS, P.A.
                            OZARK NEONATAL ASSOCIATES, INC.

                            By:  /s/ Karl B. Wagner
                                 ---------------------------------------
                                 Karl B. Wagner, Attorney-in-Fact

                                      -3-
<PAGE>
                                      Amendment No. 3 to Pediatrix Medical Group
                                           Amended and Restated Credit Agreement

                            PEDIATRIX MEDICAL GROUP OF ARKANSAS, P.A.
                            PEDIATRIX MEDICAL GROUP OF CALIFORNIA, A
                                 PROFESSIONAL CORPORATION
                            PEDIATRIX MEDICAL GROUP OF COLORADO, P.C.
                            PEDIATRIX MEDICAL GROUP OF GEORGIA, P.C.
                            PEDIATRIX MEDICAL GROUP OF INDIANA, P.C.
                            PEDIATRIX MEDICAL GROUP OF KANSAS, P.A.
                            PEDIATRIX MEDICAL GROUP OF MISSOURI, P.C.
                            PEDIATRIX MEDICAL GROUP OF OKLAHOMA, P.C.
                            PEDIATRIX MEDICAL GROUP OF PENNSYLVANIA, P.C.
                            PEDIATRIX MEDICAL GROUP OF PUERTO RICO, P.S.C.
                            PEDIATRIX MEDICAL GROUP OF TEXAS, P.A.
                            PEDIATRIX MEDICAL GROUP NEONATOLOGY AND
                                 PEDIATRIC INTENSIVE CARE SPECIALISTS
                                 OF NEW YORK, P.C.
                            PEDIATRIX MEDICAL GROUP
                            PEDIATRIX OF MARYLAND, P.A.
                            PERINATAL PEDIATRICS, P.A.
                            PERNOLL MEDICAL GROUP OF NEVADA, LTD.
                                 d/b/a PEDIATRIX MEDICAL GROUP OF NEVADA
                            SAVANNAH NEONATOLOGY, INC.
                            ST. JOSEPH NEONATOLOGY CONSULTANTS, P.A.
                            TEXAS MATERNAL FETAL MEDICINE, P.A.

                            By:     /s/ Karl B. Wagner
                                    ------------------
                                    Karl B. Wagner, Attorney-in-Fact

                            PEDIATRIX MEDICAL GROUP OF OHIO CORP.

                            By:     /s/ Karl B. Wagner
                                    ------------------------------------
                                    Karl B. Wagner, Secretary

                                      -4-
<PAGE>

                                      Amendment No. 3 to Pediatrix Medical Group
                                           Amended and Restated Credit Agreement

                            ASSOCIATES IN NEONATOLOGY, INC.
                            BNA ACQUISITION COMPANY, INC.
                            CENTRAL OKLAHOMA NEONATOLOGY
                                 ASSOCIATES, INC.
                            FLORIDA REGIONAL NEONATAL ASSOCIATES, P.A.
                            GNPA ACQUISITION COMPANY, INC.
                            MAGELLA HEALTHCARE CORPORATION
                            MNPC ACQUISITION COMPANY, INC.
                            NACF ACQUISITION COMPANY, INC.
                            NEONATAL SPECIALISTS, LTD.
                            NSPA ACQUISITION COMPANY, INC.
                            OBSTETRIX MEDICAL GROUP OF ARIZONA, P.C.
                            OBSTETRIX MEDICAL GROUP OF DELAWARE, INC.
                            OBSTETRIX MEDICAL GROUP OF PENNSYLVANIA, P.C.
                            OBSTETRIX MEDICAL GROUP OF PHOENIX, P.C.
                            OBSTETRIX MEDICAL GROUP OF
                                 WASHINGTON, INC., P.S.
                            OBSTETRIX MEDICAL GROUP, INC.
                            PALM BEACH NEO ACQUISITIONS, INC.
                            PASCV ACQUISITION COMPANY, INC.
                            PEDIATRIX MEDICAL GROUP OF DELAWARE, INC.
                            PEDIATRIX MEDICAL GROUP OF FLORIDA, INC.
                            PEDIATRIX MEDICAL GROUP OF NEW MEXICO, P.C.
                            PEDIATRIX MEDICAL GROUP OF SOUTH CAROLINA, P.A.
                            PEDIATRIX MEDICAL GROUP OF TENNESSEE, P.C.
                            PEDIATRIX MEDICAL GROUP OF WASHINGTON, INC., P.S.
                            PEDIATRIX MEDICAL GROUP, INC. (Utah)
                            PEDIATRIX MEDICAL GROUP, P.A.
                            PEDIATRIX MEDICAL GROUP, P.C. (Virginia)
                            PEDIATRIX MEDICAL GROUP, P.C. (West Virginia)
                            PMG ACQUISITION CORP.
                            PNA ACQUISITION CO., INC.
                            RPNA ACQUISITION COMPANY, INC.
                            SCPMC ACQUISITION CO.
                            SNCA ACQUISITION COMPANY, INC.

                            By:     /s/ Karl B. Wagner
                                    ------------------------------------
                                    Karl B. Wagner, Treasurer

                                      -5-
<PAGE>
                                      Amendment No. 3 to Pediatrix Medical Group
                                           Amended and Restated Credit Agreement

                            FLEET NATIONAL BANK

                            By:  /s/ Ginger Stolzenthaler
                                 ---------------------------------------
                                 Ginger Stolzenthaler

                                      -6-
<PAGE>

                                      Amendment No. 3 to Pediatrix Medical Group
                                           Amended and Restated Credit Agreement

                            U.S. BANK NATIONAL ASSOCIATION

                            By:     /s/ Walker S. Choppin
                                    ----------------------------------------
                                    Walker S. Choppin, Senior Vice President

                                      -7-
<PAGE>
                                      Amendment No. 3 to Pediatrix Medical Group
                                           Amended and Restated Credit Agreement

                            HSBC BANK USA

                            By:     /s/ Christopher Harrocks
                                    ------------------------------------
                                    Christopher Harrocks, Vice President

                                      -8-
<PAGE>
                                      Amendment No. 3 to Pediatrix Medical Group
                                           Amended and Restated Credit Agreement

                            UBS AG, STAMFORD BRANCH

                            By:     /s/ Wilfred V. Saint
                                    ------------------------------------
                                    Wilfred V. Saint, Associate Director
                                    Banking Products Services, US

                            By:     /s/ Susan Brunner
                                    ------------------------------------
                                    Susan Brunner, Associate Director
                                    Banking Products Services, US

                                      -9-
<PAGE>

                                      Amendment No. 3 to Pediatrix Medical Group
                                           Amended and Restated Credit Agreement

                            THE INTERNATIONAL BANK OF MIAMI, N.A.

                            By:     /s/ Eduardo Hornero
                                    ------------------------------------
                                    Eduardo Hornero, Vice President

                            By:     /s/ Jorge Maklouf
                                    ------------------------------------
                                    Jorge Maklouf, Senior Vice President

                                      -10-<PAGE>
                                                                   EXHIBIT 10.23

                              SEPARATION AGREEMENT

                  SEPARATION AGREEMENT (this "Agreement"), dated March 26, 2003,
by and between PEDIATRIX MEDICAL GROUP, INC., a Florida corporation (the
"Company") and KRISTEN BRATBERG (the "Executive").

                  WHEREAS, the Executive is the President and Chief Executive
Officer of the Company and a member of its Board of Directors (the "Board"); and

                  WHEREAS, the parties have agreed that the Executive will
resign from all of his positions with the Company, its subsidiaries and its
affiliates, effective as of March 26, 2003, on the terms set forth herein.

                  NOW, THEREFORE, in consideration of the mutual promises and
agreements set forth herein, and other good and valuable consideration, the
receipt of which are hereby acknowledged, the parties hereby agree as follows:

                  SECTION 1. RESIGNATION

                  Effective March 26, 2003 (the "Termination Date"), the
Executive hereby resigns from all positions he holds with the Company, its
subsidiaries and its affiliates including, without limitation, the positions of
President and Chief Executive Officer of the Company and as a member of the
Board.

                  SECTION 2. SEPARATION BENEFITS

                  In full satisfaction of all the Company's obligations under
the Employment Agreement between the Company and the Executive, dated May 8,
2000 (the "Employment Agreement"), as well as any other compensatory agreement
between the Company and the Executive, the Company agrees to provide the
Executive with the following:

                  (i) SEVERANCE PAYMENTS. The Company shall provide the
         Executive with severance pay in the aggregate amount of $200,000,
         payable in four equal monthly installments of $50,000 each beginning
         one month following the Termination Date. All such payments will be
         subject to any applicable withholding tax. The Executive will have no
         rights to severance payments from the Company except as provided in
         this paragraph (i).

                  (ii) STOCK OPTIONS. All outstanding options to purchase shares
         of the Company's common stock identified as "current" under the heading
         "Options Vested" on Annex A hereto (the "Vested Options") shall remain
         exercisable for three months following the Termination Date under the
         terms of such options. The Executive shall have the right to exercise
         only the Vested Options, and such Vested Options shall be exercisable
         in a manner that is no less favorable than is made generally available
         to other executives of the Company.

<PAGE>

                  (iii) HEALTH BENEFITS. The Company shall provide the Executive
         and his eligible dependants with continuation of heath, medical,
         hospitalization and other programs for a period of four months
         following the Termination Date at the same employee cost that applies
         to senior executives of the Company. Following the expiration of this
         four month period, the Executive will be entitled to any coverage
         required by applicable law.

                  (iv) ACCRUED RIGHTS. The Executive shall be entitled to all
         rights accrued and vested through the Termination Date under the terms
         of any of the Company's employee benefit plans, practices, programs and
         arrangements he participated in prior to the Termination Date (other
         than any severance benefits). The Executive shall also be entitled to
         (i) payment of his base salary at its current rate through the
         Termination Date and (ii) payment of any unreimbursed business expenses
         under the terms of the Employment Agreement.

                  SECTION 3. MISCELLANEOUS

                  (a) NO MITIGATION OR OFFSET. The Executive shall have no
obligation to mitigate the Company's obligations provided under Section 2 hereof
by seeking substitute employment or otherwise and there shall be no offset of
the payments or benefits provided therein from compensation provided from future
employment.

                  (b) PRESS RELEASE. The Company agrees to issue a press release
in substantially the form annexed hereto as Annex B on the business day
following the Termination Date.

                  (c) PERSONAL ITEMS. The Company will provide the Executive
with a reasonable opportunity to remove his personal items from his office
following the Termination Date.

                  (d) COMPLETE AGREEMENT. This Agreement constitutes the entire
agreement between the parties and cancels and supersedes all other agreements
and understandings, whether written or oral, between the parties which may have
related to the subject matter contained in this Agreement, including, without
limitation, the Employment Agreement. Notwithstanding the foregoing, this
Agreement shall not cancel or supersede (i) any stock option agreements relating
to the Vested Options, (ii) the Company's Amended and Restated Stock Option Plan
(the "Option Plan"), as incorporated into such stock option agreements and (iii)
Section 8 of the Employment Agreement which shall remain in full force and
effect with the Termination Date treated as the date of the termination of the
Employment Agreement. In the event of a conflict between a stock option
agreement or the Option Plan and this Agreement, the terms of this Agreement
shall control.

                  (e) AMENDMENT; WAIVER. No modification, amendment or waiver of
any provisions of this Agreement shall be effective unless approved in writing
by each of the parties hereto. The failure at any time to enforce any of the
provisions of this Agreement shall in no way be construed as a waiver of such
provisions and shall not affect the right of either party thereafter to enforce
each and every provision hereof in accordance with its terms.

                                       2
<PAGE>

                  (f) GOVERNING LAW; JURISDICTION. This Agreement and
performance under it, and all proceedings that may ensue from its breach, shall
be construed in accordance with and under the laws of the State of Florida, and
the parties submit to the jurisdiction of the courts of the State of Florida for
purposes of any actions or proceedings that may be required to enforce this
Agreement.

                  (g) COUNTERPARTS. This Agreement may be signed in
counterparts, each of which shall be an original, with the same effect as if the
signatures thereto and hereto were upon the same instrument.

                  IN WITNESS WHEREOF, the parties have executed this Agreement
as of the day and year first above written.

                                         PEDIATRIX MEDICAL GROUP, INC.

                                         By /s/ Roger J. Medel, M.D.
                                            --------------------------------

                                         Title Chairman of the Board and Chief
                                               Executive Officer
                                               -----------------------------

                                         EXECUTIVE

                                          /s/ Kristen Bratberg
                                         -----------------------------------
                                         Kristen Bratberg

                                       3

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00050-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00050-of-00352.parquet"}]]