Document:

<PAGE>   1

                                                                   EXHIBIT 10.2

                       SEVENTH AMENDMENT AND WAIVER UNDER
                  SECOND AMENDED AND RESTATED CREDIT AGREEMENT

    THIS SEVENTH AMENDMENT AND WAIVER (this "Amendment") to the Second Amended
and Restated Credit Agreement referred to below is made as of February 2, 2000
by and among NEW AMERICAN HEALTHCARE CORPORATION, a Delaware corporation (the
"Borrower"), TORONTO DOMINION (TEXAS), INC., as agent for the financial
institutions party hereto (in such capacity, the "Agent"), THE TORONTO-DOMINION
BANK, as Issuing Bank and THE FINANCIAL INSTITUTIONS PARTY HERETO (collectively,
the "Banks"; individually, a "Bank").

                              W I T N E S S E T H

    WHEREAS, the Borrower, the Agent, the Issuing Bank and the Banks are party
to that certain Second Amended and Restated Credit Agreement, dated as of May
14,1999 (as amended, supplemented or otherwise modified from time to time, prior
to the date hereof, the "Credit Agreement"); and

    WHEREAS, the Agent, the Issuing Bank and the Banks have agreed to amend the
Credit Agreement and to defer certain interest payments thereunder in the
manner, and on the terms and conditions, provided for herein.

    NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

             1. CERTAIN DEFINITIONS. Capitalized terms used herein and not
otherwise defined shall have the meanings ascribed to them in the Credit
Agreement.

             2. AMENDMENT TO SECTION 2.1(A). Section 2.1(a) of the Credit
Agreement is hereby amended by deleting the last sentence thereof and inserting
the following new sentence in lieu thereof:

             "Notwithstanding anything to the contrary, no Loan shall be made
             hereunder at any time without the prior written consent of each
             Bank."

             3. DELIVERIES OF REQUIRED INFORMATION. On or before the dates set
forth on Schedule 1, the Borrower shall deliver to the Agent, in form and
substance satisfactory to the Agent, the information identified in Schedule I
(the "Required Information").

             4. DEFERRAL OF INTEREST PAYMENTS. The Borrower hereby acknowledges
that, as of the date hereof, interest was payable by the Borrower under the
Credit Agreement and the Notes on the following dates and in the following
amounts:

<PAGE>   2

<TABLE>
<CAPTION>

               Payment Date              Amount of Interest Payment
               ------------              --------------------------
            <S>                          <C>
             December 13, 1999                  $752,115.91
             December 22, 1999                  $ 16,041.67
             December 29, 1999                  $ 61,359.38
             January 6, 2000                    $ 18,083.33
             January 13, 2000                   $836,791.21
</TABLE>

             Notwithstanding anything to the contrary, the parties hereto agree
that the foregoing scheduled interest payments on the Loans, together with any
other fees, expenses and interest, due under the Credit Agreement shall be
deferred until February 10, 2000 on which date such amounts shall be due and
payable in full, provided, however, if the Required Information is not delivered
on or before the dates set forth in Schedule I, such deferral shall
automatically terminate on the date such Required Information was due. Any
failure to pay such amounts on February 10, 2000, or such earlier due date in
the event any Required Information is not delivered on or before the date such
Required Information is due, shall constitute an immediate Event of Default for
any and all purposes under the Credit Agreement and the other Loan Documents.

             5. RATIFICATION OF CREDIT AGREEMENT. Except as expressly provided,
herein, the Credit Agreement and the other Loan Documents shall continue to be
in full force and effect in accordance with their respective terms and shall be
unmodified. In addition, except as expressly provided herein, this Amendment
shall not be deemed a waiver of any term or condition of any Loan Document by
the Agent or the Banks with respect to any right or remedy which the Agent or
the Banks may now or in the future have under the Loan Documents, at law or in
equity or otherwise or be deemed to prejudice any rights or remedies which the
Agent or the Banks may now have or may have in the future under or in connection
with any Loan Document or under or in connection with any Incipient Default or
Event of Default which may now exist or which may occur after the date hereof.
Except as expressly provided herein, the Credit Agreement and all other Loan
Documents are hereby in all respects ratified and confirmed.

             6. REPRESENTATIONS AND WARRANTIES. The Borrower hereby represents
and warrants to the Banks that it is not aware of any Incipient Default or Event
of Default other than those expressly waived pursuant hereto or otherwise
disclosed in writing to the Agent. The Borrower acknowledges that the Banks are
relying on the foregoing representation and warranty in making their decision to
enter into this Amendment.

             7. OUTSTANDING INDEBTEDNESS; WAIVER OF CLAIMS. The Borrower hereby
acknowledges and agrees that as of February 1, 2000 the outstanding principal
amount of the Loan is $107,057,121.15 and that such principal amount is payable
pursuant to the Credit Agreement without defense, offset, withholding,
counterclaim or deduction of any kind. The Borrower hereby further acknowledges
that it has no Claims (as hereinafter defined) against the Agent, the Issuing
Bank or the Banks and their respective employees, agents, representatives,
consultants, attorneys, fiduciaries, servants, officers, directors, partners,
predecessors,

<PAGE>   3

subsidiary corporations, parent corporations and related corporate divisions and
their respective successors and assigns (all of the foregoing being the
"Indemnified Persons") and hereby waives, releases, remises and forever
discharges Agent, the Issuing Bank, each Bank and each other Indemnified Person
from any and all Claims of any and every character, known or unknown, direct
and/or indirect, at law or in equity, of whatsoever kind or nature, whether
heretofore or hereafter arising, for or because of any matter or things done,
omitted or suffered to be done by any Indemnified Person prior to and including
the date hereof, and in any way directly or indirectly arising out of or in any
way connected to the Credit Agreement or any other Loan Document. For purposes
hereof, "Claims" shall mean all liabilities, obligations, losses, damages,
penalties, actions, judgments, suits or claims which may be instituted or
asserted against or incurred by such Indemnified Person as the result of credit
having been extended under the Credit Agreement or any other Loan Document or
otherwise arising in connection with the transactions contemplated thereunder.

             8. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

             9. EFFECTIVENESS. This Amendment shall become effective upon
receipt by the Agent of nine original copies of this Amendment duly executed and
delivered by the Borrower, the Agent, the Issuing Bank and the Banks and
acknowledged by the Guarantors listed on the signatures pages hereto.

             10. COUNTERPARTS. This Amendment may be executed in any number of
counterparts, each of which shall be an original with the same effect as if the
signatures thereto and hereto were upon the same instrument.

                            [SIGNATURE PAGES FOLLOW]

<PAGE>   4

     IN WITNESS WHEREOF, each of the parties hereto has executed this Amendment
as of date and year first above written.

                                      NEW AMERICAN HEALTHCARE CORPORATION

                                      By: /s/ Thomas W. Singleton
                                         --------------------------------------
                                      Name: Thomas W. Singleton
                                      Title: President

                                      TORONTO DOMINION (TEXAS), INC.,
                                      As Agent and a Bank

                                      By:
                                         --------------------------------------
                                      Name:
                                      Title:

                                      THE TORONTO-DOMINION BANK,
                                      as Issuing Bank

                                      By:
                                         --------------------------------------
                                      Name:
                                      Title:

                                     BANK OF AMERICA., N.A. f/k/a
                                     NATIONSBANK, N.A.

                                     By:
                                        ---------------------------------------
                                     Name:
                                     Title:

                       [SIGNATURES CONTINUED ON NEXT PAGE]

<PAGE>   5

                                        FIRST UNION NATIONAL BANK

                                        By:
                                            -----------------------------------
                                        Name:
                                        Title:

                                        FIRST AMERICAN NATIONAL BANK

                                        By:
                                           ------------------------------------
                                        Name:
                                        Title:

                                        NATIONAL CITY BANK OF KENTUCKY

                                        By:
                                           ------------------------------------
                                        Name:
                                        Title:

                                        BANK ONE, N.A.

                                        By:
                                           ------------------------------------
                                        Name:
                                        Title:

                                        AMSOUTH BANK

                                        By:
                                           ------------------------------------
                                        Name:
                                        Title:

<PAGE>   6

The undersigned Guarantors hereby (i) acknowledge and consent to the amendment
of the Credit Agreement and the waiver of payment default and deferral of
interest payments effected by this Amendment and (ii) confirm and agree that
their obligations under their respective Guaranties shall continue without any
diminution thereof and shall remain in full force and effect on and after the
effectiveness of this Amendment.

NAHC OF MISSOURI, INC.
NAHC OF TEXAS, INC.
NAHC II OF TEXAS, INC.
NAHC FINANCIAL, INC.
NAHC OF IOWA, INC.
NAHC OF OREGON, INC.
NAHC II OF OREGON, INC.
NAHC III OF OREGON, INC.
NAHC OF WYOMING INC.
NAHC COMPANY INC.
NAHC GEORGIA HOLDINGS, INC.
NAHC OF MISSISSIPPI, INC.
NAHC OF WASHINGTON INC.
MEMORIAL HOSPITAL OF ADEL, INC.

By: /s/ Thomas W. Singleton
   --------------------------------
Name: Thomas W. Singleton
Title: President

NAHC LIMITED PARTNERSHIP
By: Now American Healthcare Corporation,
    Its General Partner

By: /s/ Thomas W. Singleton
   --------------------------------
Name: Thomas W. Singleton
Title: President

<PAGE>   7

WELSH, CARSON, ANDERSON & STOWE VII, L.P.
By: WCAS VII Partners,
    as General Partner

By:
   ---------------------------------
Name:
Title:

<PAGE>   8

                                   SCHEDULE I

INFORMATION DUE JANUARY 31, 2000

     1. Management Contract. The Borrower shall deliver a term sheet regarding
management's proposal for managing and selling the Hospitals, including any
proposed compensation and commission terms.

     2. Cash Flow Projections. The Borrower and its Subsidiaries shall deliver
thirteen (13) week rolling cash flow projections, broken down by each Hospital
and the corporate office and reconciled with the Borrower's long-term
projections. Updates of such cash flow projections shall be delivered on a
weekly basis, with each update providing an explanation of any variances with
the prior week.

     3. Bank Accounts. The Borrower and its Subsidiaries shall supplement the
bank account information set forth in Schedule 7.20 to the Credit Agreement by
providing Agent with the current balance of each account set forth in such
Schedule. Upon request of Agent, the Borrower and its Subsidiaries shall update
such Schedule and account balance information and provide such supporting detail
and documentation as shall be requested by Agent.

     4. Reimbursement/Government Claims. The Borrower and its Subsidiaries shall
identify and quantify all known and/or projected third party reimbursement
settlements (payables and receivables) or government claims by Hospital,
together with the expected date of payment or receipt of such payables and/or
receivables, as the case may be.

     5. Reserves. The Borrower and its Subsidiaries shall provide an estimate of
reserves, on a Hospital by Hospital basis, expected to be required for third
party settlements insurance obligations and any other reserve items to be
retained subsequent to the sale of any Hospital.

     6. Capital Expenditures. The Borrower and its Subsidiaries shall provide a
detailed budget of essential Capital Expenditures, on a Hospital by Hospital
basis, as well as an aggregate basis, for the six-month period ending June 30,
2000. Updates of such Capital Expenditures budget shall be delivered to the
Agent on the last Business Day of each Fiscal Quarter, commencing with the
Fiscal Quarter ending March 31, 2000.

     7. Public Relations Plan. The Borrower and its Subsidiaries shall provide a
Plan describing the method and timing of communicating the plan described below
to all relevant parties, including trade creditors, doctors, employees,
community leaders and regulators.

<PAGE>   9

INFORMATION DUE FEBRUARY 3, 2000

     1. Plan. The Agent acknowledges receipt from the Borrower and its
Subsidiaries of a comprehensive operating plan (the "Plan"), including time
frames for proposed sales of hospitals and healthcare facilities (collectively,
the "Hospitals"), staffing and expense projections, as well as management and
key employee retention and incentive proposals. The Borrower and its
Subsidiaries shall deliver to the Agent a revised copy of such plan,
incorporating all comments previously provided by the Agent.

     2. Severance Agreements/Incentive Bonuses. The Agent acknowledges receipt
from the Borrower and its Subsidiaries of a plan proposing severance agreements,
stay bonuses and similar employee retention arrangements at the corporate and
local hospital levels. The Borrower and its Subsidiaries shall deliver to the
Agent a revised copy of such plan, incorporating all comments previously
provided by the Agent

ADDITIONAL REPORTING REQUIREMENTS

     1. Monthly Financial Projections. On the first day of each calendar month,
the Borrower and its Subsidiaries shall deliver monthly financial projections,
including income statements, balance sheets and statements of cash flow,
together with appropriate supporting details and a statement of underlying
assumptions, for each month remaining in the estimated sale period. Such
projections shall be prepared for each Hospital, the corporate office and the
Borrower and its Subsidiaries on a consolidated basis.

     2. Monthly Financials. The Borrower and its Subsidiaries shall deliver
monthly income statements, balance sheets and statements of cash flow within
thirty-five (35) days after each month's end for the period commencing on
January 1, 2000 through and including July 31, 2001. Such financials shall be
prepared for each Hospital, the corporate office and each Subsidiary.

     3. Capital Expenditure Reconciliations. Upon request of Agent, and in no
event less frequently than Friday of each calendar week, the Borrower shall
provide a reconciliation of actual Capital Expenditures made by Borrower and its
Subsidiaries and Loans made to fund Capital Expenditures (which Capital
Expenditures have not yet been made) with the Capital Expenditures Budget, which
reconciliation shall be in form and substance satisfactory to Agent and
accompanied by such supporting detail and documentation as shall be requested by
Agent.<PAGE>   1

                                                                        EX-10.30

                       SIXTH AMENDMENT TO CREDIT AGREEMENT

                  SIXTH AMENDMENT dated as of November 15, 1999 (this "Sixth
         Amendment"), to the Amended and Restated Credit Agreement dated as of
         October 15, 1997, (as amended by the First Amendment dated as of June
         26, 1998, the Second Amendment dated as of November 13, 1998, the Third
         Amendment dated as of March 31, 1999, the Fourth Amendment dated as of
         April 30, 1999, the Fifth Amendment dated as of September 30, 1999 and
         the Amended and Restated Credit Agreement as so amended being referred
         to herein as the "Credit Agreement"), among Firearms Training Systems,
         Inc., as Parent (the "Parent"), FATS, Inc., as Borrower (the
         "Borrower"), the lenders listed on the signature pages thereto (the
         "Lenders"), Bank of America, N.A., as Agent, (in such capacity, the
         "Agent"), Swingline Lender and Issuing Bank.

         The parties hereto have agreed, subject to the terms and conditions
hereof, to further amend the Credit Agreement as provided herein.

         Capitalized terms used and not otherwise defined herein shall have the
meanings assigned to such terms in the Credit Agreement (the Credit Agreement,
as amended by, and together with, this Sixth Amendment, and as hereinafter
amended, modified, extended or restated from time to time, being called the
"Amended Agreement").

         Accordingly, the parties hereto hereby agree as follows:

         SECTION 1.01. Amendment to Section 2.12 (a). Section 2.12(a) of the
Credit Agreement is hereby amended by (a) inserting the following after "third
quarter, 1999" and before the comma in Section 2.12(a)(i):

                      "and fourth quarter, 1999"

                  (b) The chart in Section 2.12(a)(ii) is hereby amended by (i)
deleting the installments due on November 30, 1999 and December 31, 1999 and
(ii) deleting the amount of "$1,400,000" due on March 31, 2000 and inserting the
amount "$4,200,000" in lieu thereof.

         SECTION 1.02. Forbearance. The Lenders have agreed to forebear
exercising their rights and remedies, which rights and remedies may arise as a
result of an Event of Default under the provisions of Section 7(c) of the Credit
Agreement with respect to Section 6.15 of the Credit Agreement (the "Financial
Covenants") (any such prospective Event of Default, a "Financial Covenants
Default"), against assets of the Borrower and its Subsidiaries that, pursuant to
the terms of the Loan Documents, secure the Obligations of the Borrower to the
Agent and the Lenders under the Credit Agreement and the other Loan Documents
until March 31, 2000 (the period from the Sixth Amendment Effective Date (as
defined below) to March 31, 2000 is hereafter referred to as the "Forbearance
Period") in order to give the Borrower the opportunity to negotiate in good
faith with the Lenders to achieve a modification of the Financial Covenants or a
waiver of any Financial Covenants Default or other arrangement, in any case
satisfactory to the Lenders in their sole discretion. It is understood that no
Letters of Credit shall be issued under the Credit Agreement during the
Forbearance Period. Nothing in this Section 1.02 shall imply any waiver or
release by the Agent or the Lenders of any rights or remedies to which they are
entitled under the Credit Agreement or other Loan Documents, or of the benefit
of any other terms and conditions of the Credit Agreement or other Loan
Documents other than as expressly set forth in this Section 1.02 during the
Forbearance Period. If as of March 31, 2000, each Financial Covenants Default,
if any, has not been waived in accordance with the Credit Agreement or the
Financial Covenants have not been modified to the satisfaction of Lenders in
their sole discretion, the Forbearance Period shall terminate, and the Lenders
may exercise all of their rights and remedies under the Credit Agreement and
other Loan Documents.

         SECTION 1.03. Representations and Warranties. The Borrower hereby
represents and warrants to the Agents and the Lenders, as follows:

                 (a) The representations and warranties set forth in Article III
         of the Amended Agreement, and in each other Loan Document, including
         any Schedules thereto, are true and correct in all material respects on
         and as of the date hereof and on and as of the Sixth Amendment
         Effective Date (as defined below) with the same effect as if made on
         and as of the date hereof or the

                                    Page 13

<PAGE>   2

         Sixth Amendment Effective Date, as the case may be, except to the
         extent such representations and warranties expressly relate solely to
         an earlier date.

                 (b) Each of the Borrower and the other Loan Parties is in
         compliance with all the terms and conditions of the Amended Agreement
         and the other Loan Documents on its part to be observed or performed
         including, without limitation, the obligation to pay all principal and
         interest due on and prior to the date hereof and no Default or Event of
         Default has occurred or is continuing under the Amended Agreement,
         other than the Defaults or Events of Default described in Section 1.02
         hereof.

                 (c) The execution, delivery and performance by the Borrower of
         this Sixth Amendment have been duly authorized by the Borrower.

                 (d) This Sixth Amendment constitutes the legal, valid and
         binding obligation of the Borrower, enforceable against the Borrower in
         accordance with its terms, subject to the effect of bankruptcy,
         insolvency, reorganization, arrangement, moratorium, fraudulent
         conveyance, voidable preference or similar laws and the application of
         equitable principles generally.

                 (e) The execution, delivery and performance by the Borrower of
         this Sixth Amendment (i) does not conflict with or violate (A) any
         provision of law, statute, rule or regulation, or of the articles of
         incorporation or by-laws of the Borrower, (B) any order of any
         Governmental Authority or (C) any provision of any indenture, agreement
         or other instrument to which the Borrower is a party or by which it or
         any of its property may be bound and (ii) does not require any consents
         under, result in a breach of or constitute (alone or with notice or
         lapse of time or both) a default or give rise to increased, additional,
         accelerated or guaranteed rights of any person under any such
         indenture, agreement or instrument.

         SECTION 1.04. Effectiveness. This Sixth Amendment shall become
effective only upon satisfaction of the following conditions precedent (the
first date upon which each such condition has been satisfied being herein called
the "Sixth Amendment Effective Date"):

                 (a) The Agent shall have received duly executed counterparts of
         this Sixth Amendment which, when taken together, bear the authorized
         signatures of the Parent, the Borrower and all the Lenders.

                 (b) The Lenders shall be satisfied that the representations and
         warranties set forth in Section 1.03 hereof are true and correct on and
         as of the Sixth Amendment Effective Date.

                 (c) There shall not be any action pending or any judgment,
         order or decree in effect which, in the judgment of the Lenders or
         their counsel, is likely to restrain, prevent or impose materially
         adverse conditions upon performance by the Borrower or any other Loan
         Party of its obligations under the Loan Documents.

                 (d) The Lenders shall have received such other documents, legal
         opinions, instruments and certificates as they shall reasonably request
         and such other documents, legal opinions, instruments and certificates
         shall be satisfactory in form and substance to the Lenders and their
         counsel. All corporate and other proceedings taken or to be taken in
         connection with this Sixth Amendment and all documents incidental
         thereto, whether or not referred to herein, shall be satisfactory in
         form and substance to the Lenders and their counsel.

                 (e) The Agent shall have received payment of and all fees and
         expenses set forth in Section 1.06.

         SECTION 1.05. APPLICABLE LAW. THIS SIXTH AMENDMENT SHALL BE GOVERNED
BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK, EXCEPT
TO THE EXTENT THAT THE FEDERAL LAWS OF THE UNITED STATES OF AMERICA MAY APPLY.

         SECTION 1.06. Fees and Expenses. The Borrower shall pay all reasonable
out-of-pocket expenses incurred by the Agent and the Lenders in connection with
the preparation, negotiation, execution, delivery and enforcement of this Sixth
Amendment, including, but not limited to, the reasonable fees and disbursements
of counsel.

         SECTION 1.07. Reporting Requirements. The Borrower will provide the
Agent, for distribution to the Lenders, with a written bi-weekly status report
on its efforts to sell the Borrower, including a list of potential acquirers,
offers made to date, pending offers and scheduled meetings relating to such
sale, except that to the extent that the Borrower has entered into
confidentiality agreements prohibiting it from disclosing to the Lenders the
name of the potential acquirer such name may be withheld from the Lenders. Any
such confidential information supplied to the Agent and Lenders will be held in
confidence by the Agent and the Lenders, except to the extent that the Agent

                                    Page 14

<PAGE>   3

or any Lender is required by any law, regulation, legal process, legal duty or
regulatory authority to disclose such confidential information. Nothing in this
Section 1.07 shall imply any waiver or consent to sale of the Borrower or that
Lenders will consent to such sale.

         SECTION 1.08. Counterparts. This Sixth Amendment may be executed in any
number of counterparts, each of which shall constitute an original but all of
which when taken together shall constitute but one agreement. Delivery by
facsimile by any of the parties hereto of an executed counterpart of this Sixth
Amendment shall be as effective as an original executed counterpart hereof and
shall be deemed a representation that an original executed counterpart hereof
will be delivered, but the failure to deliver a manually executed counterpart
shall not affect the validity, enforceability or binding effect of this Sixth
Amendment.

         SECTION 1.09. Credit Agreement. Except as expressly set forth herein,
the amendments provided herein shall not by implication or otherwise limit,
constitute a waiver of, or otherwise affect the rights and remedies of the
Lenders, the Agent or the other Secured Parties under the Amended Agreement or
any other Loan Document, nor shall they constitute a waiver of any Default or
Event of Default, nor shall they alter, modify, amend or in any way affect any
of the terms, conditions, obligations, covenants or agreements contained in the
Amended Agreement or any other Loan Document. Each of the amendments provided
herein shall apply and be effective only with respect to the provisions of the
Amended Agreement specifically referred to by such amendment. Except as
expressly amended herein, the Amended Agreement shall continue in full force and
effect in accordance with the provisions thereof. As used in the Amended
Agreement, the terms "Agreement", "herein", "hereinafter", "hereunder", "hereto"
and words of similar import shall mean, from and after the date hereof, the
Amended Agreement.

         IN WITNESS WHEREOF, the parties hereto have caused this Sixth Amendment
to be duly executed by their duly authorized officers, all as of the date first
above written.

                                  FIREARMS TRAINING SYSTEMS, INC.
                                  as Parent

                                  By:
                                     ------------------------------------------
                                     Name:
                                     Title:

                                  FATS, INC.
                                  as Borrower

                                  By:
                                     ------------------------------------------
                                     Name:
                                     Title:

                                  BANK OF AMERICA, N.A., as Agent, Swingline
                                  Lender and Issuing Bank and individually as
                                  a Lender

                                  By:
                                     ------------------------------------------
                                     Name:
                                     Title:

                                  U.S. BANK NATIONAL ASSOCIATION

                                  By:
                                     ------------------------------------------
                                      Name:
                                      Title:

                                    Page 15

<PAGE>   4

                                   FIRST SOURCE FINANCIAL LLP, by First Source
                                   Financial, Inc., as Agent/Manager

                                   By:
                                      -----------------------------------------
                                      Name:
                                      Title:

                                   BHF (USA) CAPITAL CORPORATION

                                   By:
                                      -----------------------------------------
                                      Name:
                                      Title

                                   BANK AUSTRIA CREDITANSTALT
                                   CORPORATE  FINANCE, INC. (FKA
                                   CREDITANSTALT CORPORATE FINANCE, INC.)

                                   By:
                                      -----------------------------------------
                                      Name:
                                      Title:

                                   By:
                                      -----------------------------------------
                                      Name:
                                      Title:

AGREED and CONSENTED,
as of the date first above written:

DART INTERNATIONAL, INC.

By:
   --------------------------------
   Name:
   Title:

FIREARMS TRAINING SYSTEMS, INC.

By:
    -------------------------------
    Name:
    Title:

                                    Page 16

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