Document:

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                                                                   Exhibit 10.14

                            RIGHTPOINT SOFTWARE, INC.
                         (FORMERLY DATAMIND CORPORATION)

                             1996 STOCK OPTION PLAN

      1. Purposes of the Plan. The purposes of this Stock Option Plan are to
attract and retain the best available personnel for positions of substantial
responsibility, to provide additional incentive to Employees and Consultants of
the Company and its Subsidiaries and to promote the success of the Company's
business. Options granted under the Plan may be incentive stock options (as
defined under Section 422 of the Code) or nonstatutory stock options, as
determined by the Administrator at the time of grant of an option and subject to
the applicable provisions of Section 422 of the Code, as amended, and the
regulations promulgated thereunder.

      2. Definitions. As used herein, the following definitions shall apply:

            (a) "Administrator" means the Board or any of its Committees
appointed pursuant to Section 4 of the Plan.

            (b) "Applicable Laws" means the legal requirements relating to the
administration of stock option plans under U.S. state corporate laws, U.S.
federal and state securities laws, the Code and the applicable laws of any
foreign country or jurisdiction where Options will be or are being granted under
the Plan.

            (c) "Board" means the Board of Directors of the Company.

            (d) "Code" means the Internal Revenue Code of 1986, as amended.

            (e) "Committee" means a Committee appointed by the Board of
Directors in accordance with Section 4 of the Plan.

            (f) "Common Stock" means the Common Stock of the Company.

            (g) "Company" means RightPoint Software, Inc., a California
corporation.

            (h) "Consultant" means any person who is engaged by the Company or
any Parent or Subsidiary to render consulting or advisory services and is
compensated for such services, and any director of the Company whether
compensated for such services or not.

            (i) "Continuous Status as an Employee or Consultant" means that the
employment or consulting relationship with the Company, any Parent, or
Subsidiary, is not interrupted or terminated. Continuous Status as an Employee
or Consultant shall not be considered interrupted in the case of (i) any leave
of absence approved by the Company or (ii) transfers between locations of the
Company or between the Company, its Parent, any Subsidiary, or any successor. A
leave of absence approved by the Company shall include sick leave, military
leave, or any other personal leave approved by an authorized representative of
the Company. For purposes of Incentive
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Stock Options, no such leave may exceed 90 days, unless reemployment upon
expiration of such leave is guaranteed by statute or contract, including Company
policies. If reemployment upon expiration of a leave of absence approved by the
Company is not so guaranteed, on the 181st day of such leave any Incentive Stock
Option held by the Optionee shall cease to be treated as an Incentive Stock
Option and shall be treated for tax purposes as a Nonstatutory Stock Option.

            (j) "Employee" means any person, including Officers and directors,
employed by the Company or any Parent or Subsidiary of the Company. The payment
of a director's fee by the Company shall not be sufficient to constitute
"employment" by the Company.

            (k) "Exchange Act" means the Securities Exchange Act of 1934, as
amended.

            (l) "Fair Market Value" means, as of any date, the value of Common
Stock determined as follows:

                  (i) If the Common Stock is listed on any established stock
exchange or a national market system, including without limitation the Nasdaq
National Market or The Nasdaq SmallCap Market of The Nasdaq Stock Market, its
Fair Market Value shall be the closing sales price for such stock (or the
closing bid, if no sales were reported) as quoted on such exchange or system for
the last market trading day prior to the time of determination, as reported in
The Wall Street Journal or such other source as the Administrator deems
reliable;

                  (ii) If the Common Stock is regularly quoted by a recognized
securities dealer but selling prices are not reported, its Fair Market Value
shall be the mean between the high bid and low asked prices for the Common Stock
on the last market trading day prior to the day of determination, or;

                  (iii) In the absence of an established market for the Common
Stock, the Fair Market Value thereof shall be determined in good faith by the
Administrator.

            (m) "Incentive Stock Option" means an Option intended to qualify as
an incentive stock option within the meaning of Section 422 of the Code.

            (n) "Nonstatutory Stock Option" means an Option not intended to
qualify as an Incentive Stock Option.

            (o) "Officer" means a person who is an officer of the Company within
the meaning of Section 16 of the Exchange Act and the rules and regulations
promulgated thereunder.

            (p) "Option" means a stock option granted pursuant to the Plan.

            (q) "Optioned Stock" means the Common Stock subject to an Option.

            (r) "Optionee" means an Employee or Consultant who receives an
Option.

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            (s) "Parent" means a "parent corporation", whether now or hereafter
existing, as defined in Section 424(e) of the Code.

            (t) "Plan" means this 1996 Stock Option Plan.

            (u) "Section 16(b)" means Section 16(b) of the Securities Exchange
Act of 1934, as amended.

            (v) "Share" means a share of the Common Stock, as adjusted in
accordance with Section 11 below.

            (w) "Subsidiary" means a "subsidiary corporation", whether now or
hereafter existing, as defined in Section 424(f) of the Code.

      3. Stock Subject to the Plan. Subject to the provisions of Section 11 of
the Plan, the maximum aggregate number of Shares which may be optioned and sold
under the Plan is 6,558,612 Shares. The Shares may be authorized, but unissued,
or reacquired Common Stock.

      If an Option expires or becomes unexercisable without having been
exercised in full, or is surrendered pursuant to an option exchange program, the
unpurchased Shares which were subject thereto shall become available for future
grant or sale under the Plan (unless the Plan has terminated); provided,
however, that Shares that have actually been issued under the Plan shall not be
returned to the Plan and shall not become available for future distribution
under the Plan, except that if unvested Shares are repurchased by the Company at
their original purchase price, such Shares shall become available for future
grant under the Plan.

      4. Administration of the Plan.

            (a) Initial Plan Procedure. Prior to the date, if any, upon which
the Company becomes subject to the Exchange Act, the Plan shall be administered
by the Board or a committee appointed by the Board.

            (b) Plan Procedure after the Date, if any, upon Which the Company
becomes Subject to the Exchange Act.

                  (i) Multiple Administrative Bodies. The Plan may be
administered by different Committees with respect to different groups of Service
Providers.

                  (ii) Section 162(m). To the extent that the Administrator
determines it to be desirable to qualify Options granted hereunder as
"performance-based compensation" within the meaning of Section 162(m) of the
Code, the Plan shall be administered by a Committee of two or more "outside
directors" within the meaning of Section 162(m) of the Code.

                  (iii) Rule 16b-3. To the extent desirable to qualify
transactions hereunder as exempt under Rule 16b-3, the Plan shall be
administered by the Board or a Committee of two or more "non-employee directors"
within the meaning of Rule 16b-3.

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                  (iv) Other Administration. Other than as provided above, the
Plan shall be administered by (A) the Board or (B) a Committee, which committee
shall be constituted to satisfy Applicable Laws.

            (c) Powers of the Administrator. Subject to the provisions of the
Plan and, in the case of a Committee, the specific duties delegated by the Board
to such Committee, and subject to the approval of any relevant authorities,
including the approval, if required, of any stock exchange upon which the Common
Stock is listed, the Administrator shall have the authority, in its discretion:

                  (i) to determine the Fair Market Value of the Common Stock, in
accordance with Section 2(l) of the Plan;

                  (ii) to select the Consultants and Employees to whom Options
may from time to time be granted hereunder;

                  (iii) to determine whether and to what extent Options are
granted hereunder;

                  (iv) to determine the number of shares of Common Stock to be
covered by each such award granted hereunder;

                  (v) to approve forms of agreement for use under the Plan;

                  (vi) to determine the terms and conditions of any award
granted hereunder;

                  (vii) to determine whether and under what circumstances an
Option may be settled in cash under subsection 9(f) instead of Common Stock;

                  (viii) to reduce the exercise price of any Option to the then
current Fair Market Value if the Fair Market Value of the Common Stock covered
by such Option has declined since the date the Option was granted; and

                  (ix) to construe and interpret the terms of the Plan and
awards granted pursuant to the Plan.

            (d) Effect of Administrator's Decision. All decisions,
determinations and interpretations of the Administrator shall be final and
binding on all Optionees and any other holders of any Options.

      5. Eligibility.

            (a) Nonstatutory Stock Options may be granted to Employees and
Consultants. Incentive Stock Options may be granted only to Employees. An
Employee or Consultant who has been granted an Option may, if otherwise
eligible, be granted additional Options.

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            (b) Each Option shall be designated in the written option agreement
as either an Incentive Stock Option or a Nonstatutory Stock Option. However,
notwithstanding such designation, to the extent that the aggregate Fair Market
Value of the Shares with respect to which Incentive Stock Options are
exercisable for the first time by the Optionee during any calendar year (under
all plans of the Company and any Parent or Subsidiary) exceeds $100,000, such
Options shall be treated as Nonstatutory Stock Options. For purposes of this
Section 5(b), Incentive Stock Options shall be taken into account in the order
in which they were granted. The Fair Market Value of the Shares shall be
determined as of the time the Option with respect to such Shares is granted.

            (c) The Plan shall not confer upon any Optionee any right with
respect to continuation of employment or consulting relationship with the
Company, nor shall it interfere in any way with his or her right or the
Company's right to terminate his or her employment or consulting relationship at
any time, with or without cause.

      6. Term of Plan. The Plan shall become effective upon the earlier to occur
of its adoption by the Board of Directors or its approval by the shareholders of
the Company, as described in Section 17 of the Plan. It shall continue in effect
for a term of ten (10) years unless sooner terminated under Section 13 of the
Plan.

      7. Term of Option. The term of each Option shall be the term stated in the
Option Agreement; provided, however, that the term shall be no more than ten
(10) years from the date of grant thereof. However, in the case of an Incentive
Stock Option granted to an Optionee who, at the time the Option is granted, owns
stock representing more than ten percent (10%) of the voting power of all
classes of stock of the Company or any Parent or Subsidiary, the term of the
Option shall be five (5) years from the date of grant thereof or such shorter
term as may be provided in the Option Agreement.

      8. Option Exercise Price and Consideration.

            (a) The per share exercise price for the Shares to be issued
pursuant to exercise of an Option shall be such price as is determined by the
Administrator, but shall be subject to the following:

                  (i) In the case of an Incentive Stock Option

                     (1) granted to an Employee who, at the time of the grant of
such Incentive Stock Option, owns stock representing more than ten percent (10%)
of the voting power of all classes of stock of the Company or any Parent or
Subsidiary, the per Share exercise price shall be no less than 110% of the Fair
Market Value per Share on the date of grant.

                     (2) granted to any Employee other than an Employee
described in the preceding paragraph, the per Share exercise price shall be no
less than 100% of the Fair Market Value per Share on the date of grant.

                  (ii) In the case of a Nonstatutory Stock Option

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                     (1) granted to a person who, at the time of the grant of
such Option, owns stock representing more than ten percent (10%) of the voting
power of all classes of stock of the Company or any Parent or Subsidiary, the
per Share exercise price shall be no less than 110% of the Fair Market Value per
Share on the date of the grant.

                     (2) granted to any person, the per Share exercise price
shall be no less than 85% of the Fair Market Value per Share on the date of
grant.

            (b) The consideration to be paid for the Shares to be issued upon
exercise of an Option, including the method of payment, shall be determined by
the Administrator (and, in the case of an Incentive Stock Option, shall be
determined at the time of grant) and may consist entirely of (1) cash, (2)
check, (3) promissory note, (4) other Shares which (x) in the case of Shares
acquired upon exercise of an Option have been owned by the Optionee for more
than six months on the date of surrender and (y) have a Fair Market Value on the
date of surrender equal to the aggregate exercise price of the Shares as to
which said Option shall be exercised, (5) delivery of a properly executed
exercise notice together with such other documentation as the Administrator and
the broker, if applicable, shall require to effect an exercise of the Option and
delivery to the Company of the sale or loan proceeds required to pay the
exercise price, or (6) any combination of the foregoing methods of payment. In
making its determination as to the type of consideration to accept, the
Administrator shall consider if acceptance of such consideration may be
reasonably expected to benefit the Company.

      9. Exercise of Option.

            (a) Procedure for Exercise; Rights as a Shareholder. Any Option
granted hereunder shall be exercisable at such times and under such conditions
as determined by the Administrator, including performance criteria with respect
to the Company and/or the Optionee, and as shall be permissible under the terms
of the Plan, but in no case at a rate of less than 20% per year over five (5)
years from the date the Option is granted.

      An Option may not be exercised for a fraction of a Share.

      An Option shall be deemed to be exercised when written notice of such
exercise has been given to the Company in accordance with the terms of the
Option by the person entitled to exercise the Option and full payment for the
Shares with respect to which the Option is exercised has been received by the
Company. Full payment may, as authorized by the Administrator, consist of any
consideration and method of payment allowable under Section 8(b) of the Plan.
Until the Shares are issued (as evidenced by the appropriate entry on the books
of the Company or of a duly authorized transfer agent of the Company) no right
to vote or receive dividends or any other rights as a shareholder shall exist
with respect to the Optioned Stock, notwithstanding the exercise of the Option.
The Company shall issue (or cause to be issued) such Shares promptly upon
exercise of the Option. No adjustment will be made for a dividend or other right
for which the record date is prior to the date the Shares are issued, except as
provided in Section 11 of the Plan.

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      Exercise of an Option in any manner shall result in a decrease in the
number of Shares which thereafter may be available, both for purposes of the
Plan and for sale under the Option, by the number of Shares as to which the
Option is exercised.

            (b) Termination of Employment or Consulting Relationship. In the
event of termination of an Optionee's Continuous Status as an Employee or
Consultant with the Company (but not in the event of an Optionee's change of
status from Employee to Consultant (in which case an Employee's Incentive Stock
Option shall automatically convert to a Nonstatutory Stock Option on the date
three (3) months and one day from the date of such change of status) or from
Consultant to Employee), such Optionee may, but only within such period of time
as is determined by the Administrator, of at least thirty (30) days, with such
determination in the case of an Incentive Stock Option not exceeding three (3)
months after the date of such termination (but in no event later than the
expiration date of the term of such Option as set forth in the Option
Agreement), exercise his or her Option to the extent that Optionee was entitled
to exercise it at the date of such termination. To the extent that Optionee was
not entitled to exercise the Option at the date of such termination, or if
Optionee does not exercise such Option to the extent so entitled within the time
specified herein, the Option shall terminate.

            (c) Disability of Optionee. In the event of termination of an
Optionee's consulting relationship or Continuous Status as an Employee as a
result of his or her disability, Optionee may, but only within twelve (12)
months from the date of such termination (and in no event later than the
expiration date of the term of such Option as set forth in the Option
Agreement), exercise the Option to the extent otherwise entitled to exercise it
at the date of such termination; provided, however, that if such disability is
not a "disability" as such term is defined in Section 22(e)(3) of the Code, in
the case of an Incentive Stock Option such Incentive Stock Option shall
automatically convert to a Nonstatutory Stock Option on the day three months and
one day following such termination. To the extent that Optionee is not entitled
to exercise the Option at the date of termination, or if Optionee does not
exercise such Option to the extent so entitled within the time specified herein,
the Option shall terminate, and the Shares covered by such Option shall revert
to the Plan.

            (d) Death of Optionee. In the event of the death of an Optionee, the
Option may be exercised at any time within twelve (12) months following the date
of death (but in no event later than the expiration of the term of such Option
as set forth in the Notice of Grant), by the Optionee's estate or by a person
who acquired the right to exercise the Option by bequest or inheritance, but
only to the extent that the Optionee was entitled to exercise the Option at the
date of death. If, at the time of death, the Optionee was not entitled to
exercise his or her entire Option, the Shares covered by the unexercisable
portion of the Option shall immediately revert to the Plan. If, after death, the
Optionee's estate or a person who acquired the right to exercise the Option by
bequest or inheritance does not exercise the Option within the time specified
herein, the Option shall terminate, and the Shares covered by such Option shall
revert to the Plan.

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            (e) Buyout Provisions. The Administrator may at any time offer to
buy out for a payment in cash or Shares, an Option previously granted, based on
such terms and conditions as the Administrator shall establish and communicate
to the Optionee at the time that such offer is made.

      10. Non-Transferability of Options. Options may not be sold, pledged,
assigned, hypothecated, transferred, or disposed of in any manner other than by
will or by the laws of descent or distribution and may be exercised, during the
lifetime of the Optionee, only by the Optionee.

      11. Adjustments Upon Changes in Capitalization or Merger.

            (a) Changes in Capitalization. Subject to any required action by the
shareholders of the Company, the number of shares of Common Stock covered by
each outstanding Option, and the number of shares of Common Stock which have
been authorized for issuance under the Plan but as to which no Options have yet
been granted or which have been returned to the Plan upon cancellation or
expiration of an Option, as well as the price per share of Common Stock covered
by each such outstanding Option, shall be proportionately adjusted for any
increase or decrease in the number of issued shares of Common Stock resulting
from a stock split, reverse stock split, stock dividend, combination or
reclassification of the Common Stock, or any other increase or decrease in the
number of issued shares of Common Stock effected without receipt of
consideration by the Company; provided, however, that conversion of any
convertible securities of the Company shall not be deemed to have been "effected
without receipt of consideration." Such adjustment shall be made by the
Administrator, whose determination in that respect shall be final, binding and
conclusive. Except as expressly provided herein, no issuance by the Company of
shares of stock of any class, or securities convertible into shares of stock of
any class, shall affect, and no adjustment by reason thereof shall be made with
respect to, the number or price of shares of Common Stock subject to an Option.

            (b) Dissolution or Liquidation. In the event of the proposed
dissolution or liquidation of the Company, the Administrator shall notify the
Optionee at least fifteen (15) days prior to such proposed action. To the extent
it has not been previously exercised, the Option will terminate immediately
prior to the consummation of such proposed action.

            (c) Merger or Asset Sale. In the event of a merger of the Company
with or into another corporation other than a merger in which the shareholders
of the Company immediately prior to the merger own a majority of the voting
power in the surviving corporation following the merger, or a sale of
substantially all of the assets of the Company, the Option may be assumed or an
equivalent option may be substituted by such successor corporation or a parent
or subsidiary of such successor corporation. If, in such event, the Option is
not assumed or substituted, (i) such Option shall become fully vested and
exercisable as to all Optioned Stock, including Shares as to which it would not
otherwise be vested or exercisable and (ii) any restricted stock received upon
the early exercise of an Option shall fully vest. If, in the event of a merger
or asset sale, an Option becomes fully vested and exercisable in lieu of
assumption or substitution, the Administrator shall notify the Optionee in
writing or electronically that (i) the Option shall be fully vested and
exercisable for a period of fifteen (15) days from the date of such notice and
the Option shall terminate at the

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expiration of such period and (ii) any restricted stock the Optionee has as a
result of an early exercise of an Option has fully vested. For the purposes of
this paragraph, the Option shall be considered assumed if, following the merger,
the option confers the right to purchase, for each Share of Optioned Stock
subject to the Option immediately prior to the merger, the consideration
(whether stock, cash, or other securities or property) received in the merger by
holders of Common Stock for each Share held on the effective date of the
transaction (and if holders were offered a choice of consideration, the type of
consideration chosen by the holders of a majority of the outstanding Shares);
provided, however, that if such consideration received in the merger was not
solely common stock of the successor corporation or its Parent, the
Administrator may, with the consent of the successor corporation, provide for
the consideration to be received upon the exercise of the Option for each Share
of Optioned Stock subject to the Option to be solely common stock of the
successor corporation or its Parent equal in fair market value to the per share
consideration received by holders of Common Stock in the merger.

      12. Time of Granting Options. The date of grant of an Option shall, for
all purposes, be the date on which the Administrator makes the determination
granting such Option, or such other date as is determined by the Board. Notice
of the determination shall be given to each Employee or Consultant to whom an
Option is so granted within a reasonable time after the date of such grant.

      13. Amendment and Termination of the Plan.

            (a) Amendment and Termination. The Board may at any time amend,
alter, suspend or discontinue the Plan, but no amendment, alteration, suspension
or discontinuation shall be made which would impair the rights of any Optionee
under any grant theretofore made, without his or her consent. In addition, to
the extent necessary and desirable to comply with Rule 16b-3 under the Exchange
Act or with Section 422 of the Code (or any other applicable law or regulation,
including the requirements of the NASD or an established stock exchange), the
Company shall obtain shareholder approval of any Plan amendment in such a manner
and to such a degree as required.

            (b) Effect of Amendment or Termination. Any such amendment or
termination of the Plan shall not affect Options already granted, and such
Options shall remain in full force and effect as if this Plan had not been
amended or terminated, unless mutually agreed otherwise between the Optionee and
the Administrator, which agreement must be in writing and signed by the Optionee
and the Company.

      14. Conditions Upon Issuance of Shares. Shares shall not be issued
pursuant to the exercise of an Option unless the exercise of such Option and the
issuance and delivery of such Shares pursuant thereto shall comply with all
relevant provisions of law, including, without limitation, the Securities Act of
1933, as amended, the Exchange Act, the rules and regulations promulgated
thereunder, and the requirements of any stock exchange upon which the Shares may
then be listed, and shall be further subject to the approval of counsel for the
Company with respect to such compliance.

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      As a condition to the exercise of an Option, the Company may require the
person exercising such Option to represent and warrant at the time of any such
exercise that the Shares are being purchased only for investment and without any
present intention to sell or distribute such Shares if, in the opinion of
counsel for the Company, such a representation is required by any of the
aforementioned relevant provisions of law.

      15. Reservation of Shares. The Company, during the term of this Plan, will
at all times reserve and keep available such number of Shares as shall be
sufficient to satisfy the requirements of the Plan.

      The inability of the Company to obtain authority from any regulatory body
having jurisdiction, which authority is deemed by the Company's counsel to be
necessary to the lawful issuance and sale of any Shares hereunder, shall relieve
the Company of any liability in respect of the failure to issue or sell such
Shares as to which such requisite authority shall not have been obtained.

      16. Agreements. Options shall be evidenced by written agreements in such
form as the Administrator shall approve from time to time.

      17. Shareholder Approval. Continuance of the Plan shall be subject to
approval by the shareholders of the Company within twelve (12) months before or
after the date the Plan is adopted. Such shareholder approval shall be obtained
in the degree and manner required under Applicable Laws and the rules of any
stock exchange upon which the Common Stock is listed.

      18. Information to Optionees and Purchasers. The Company shall provide to
each Optionee, not less frequently than annually, copies of annual financial
statements. The Company shall also provide such statements to each individual
who acquires Shares pursuant to the Plan while such individual owns such Shares.
The Company shall not be required to provide such statements to key employees
whose duties in connection with the Company assure their access to equivalent
information.

                                      -10-<PAGE>   1
                                                                   EXHIBIT 10.58

                           FOURTH AMENDMENT TO AMENDED
                          AND RESTATED CREDIT AGREEMENT

        This FOURTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this
"AMENDMENT") dated as of July 30, 1999, is by and among Raytel Medical
Corporation (the "BORROWER"), BankBoston, N.A., successor by merger to Bank of
Boston Connecticut ("BANKBOSTON"), and Banque Paribas (collectively, the
"BANKS") and BankBoston, as agent for the Banks (in such capacity, the "AGENT").

                              W I T N E S S E T H:

        WHEREAS, the Borrower, the Banks and the Agent entered into a certain
Amended and Restated Credit Agreement dated as of August 14, 1996, as amended by
the First Amendment to Amended and Restated Credit Agreement dated as of June 4,
1997, the Second Amendment to Amended and Restated Credit Agreement dated as of
September 26, 1997 and the Third Amendment to Amended and Restated Credit
Agreement dated as of July 24, 1998 (as amended from time to time, the "CREDIT
AGREEMENT"); and

        WHEREAS, the Borrower has requested that the Credit Agreement be amended
in certain respects; and

        WHEREAS, the Agent and the Banks have agreed to amend the Credit
Agreement on the terms and conditions set forth herein.

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

        SECTION 1. DEFINITIONS. Capitalized terms used herein without definition
that are defined in the Credit Agreement shall have the same meanings herein as
therein.

        SECTION 2. REPRESENTATIONS AND WARRANTIES. The Borrower hereby repeats
on and as of the date hereof the representations and warranties made by it in
the Credit Agreement, provided that all references therein to the Credit
Agreement shall refer to the Credit Agreement as amended hereby.

        SECTION 3. RATIFICATION, ETC. Except as expressly amended hereby, the
Credit Agreement and all documents, instruments and agreements related thereto
are hereby ratified and confirmed in all respects and shall continue in full
force and effect. This Amendment and the Credit Agreement shall hereafter be
read and construed together as a single document, and all references in the
Credit Agreement or any related agreement or instrument

<PAGE>   2
Page 2

to the Credit Agreement shall hereafter refer to the Credit Agreement as amended
by this Amendment.

        SECTION 4. AMENDMENTS TO CREDIT AGREEMENT.

               SECTION 4.1. AMENDMENT TO SECTION 2.2. Section 2.2 of the Credit
        Agreement is hereby amended by deleting the phrase "one-quarter of one
        percent (1/4%)" from the fourth line thereof and substituting therefor
        the phrase "one-half of one percent (1/2%)."

               SECTION 4.2. AMENDMENT TO SECTION 2.5. Section 2.5 of the Credit
        Agreement is hereby amended by deleting subsections "(a)" and "(b)" from
        such section and substituting therefor the following:

               "(a) Each Revolving Credit Base Rate Loan shall bear interest for
        the period commencing with the Drawdown Date thereof and ending on the
        last day of each Interest Period with respect thereto at the Base Rate
        plus the Applicable Base Rate Margin. With respect to each Revolving
        Credit Base Rate Loan and each fiscal quarter of the Borrower, the
        Applicable Base Rate Margin will be determined by the Agent after review
        of the Leverage Ratio of the Borrower and its Subsidiaries for the
        period of four (4) consecutive fiscal quarters ending on the fiscal last
        day of the quarter immediately preceding such fiscal quarter, all as
        follows:

<TABLE>
<CAPTION>
                                               APPLICABLE BASE RATE
                 LEVERAGE RATIO                       MARGIN
                 --------------                --------------------
<S>                                            <C>
        Greater than 2.2:1.0                          0.50%

        Less than or equal to 2.2:1.0
        but greater than 1.5:1.0                      0.25%

        Less than or equal to 1.5:1.0
                                                      0.00%
</TABLE>

        The Agent will determine the Applicable Base Rate Margin for each fiscal
quarter on the forty-fifth (45th) day following the last day of the immediately
preceding fiscal quarter by reference to the financial statements delivered to
the Agent and the Banks by the Borrower in accordance with the terms hereof with
respect to the period of four (4) consecutive fiscal quarters ending on such
immediately preceding fiscal quarter.

               (b) Each Revolving Credit LIBOR Rate Loan shall bear interest for
        the period commencing with the Drawdown Date thereof and ending on the
        last day of each Interest Period with respect thereto at

<PAGE>   3
Page 3

        the LIBOR Rate determined for such Interest Period plus the Applicable
        LIBOR Rate Margin. With respect to each Revolving Credit LIBOR Rate Loan
        and each fiscal quarter of the Borrower, the Applicable LIBOR Rate
        Margin will be determined by the Agent after review of the Leverage
        Ratio of the Borrower and its Subsidiaries for the period of four (4)
        consecutive fiscal quarters ending on the immediately preceding fiscal
        quarter, all as follows:

<TABLE>
<CAPTION>
                                               APPLICABLE LIBOR RATE
                 LEVERAGE RATIO                       MARGIN
                 --------------                ---------------------
<S>                                            <C>
        Greater than 2.2:1.0                         2.25%

        Less than or equal to 2.2:1.0
        but greater than 1.5:1.0                     2.00%

        Less than or equal to 1.5:1.0
                                                     1.75%
</TABLE>

               The Agent will determine the Applicable LIBOR Rate Margin for
        each fiscal quarter on the forty-fifth (45th) day following the last day
        of the immediately preceding fiscal quarter by reference to the
        financial statements delivered to the Agent and the Banks by the
        Borrower in accordance with the terms hereof with respect to the period
        of four (4) consecutive fiscal quarters ending on such immediately
        preceding fiscal quarter."

               SECTION 4.3. AMENDMENT TO SECTION 3.1. The last sentence of
        Section 3.1 of the Credit Agreement is hereby amended in its entirety to
        read as follows:

               "All amounts owing in respect of the Revolving Credit Loans
        outstanding on the Revolving Credit Termination Date, including unpaid
        principal and any and all accrued and unpaid interest and fees thereon,
        shall automatically and without any further act become due and payable
        on the Revolving Credit Termination Date."

               SECTION 4.4. AMENDMENT TO SECTION 4. Section 4 of the Credit
        Agreement is hereby deleted in its entirety and all references to the
        "Term Loan" in the Credit Agreement are hereby deleted.

               SECTION 4.5. AMENDMENT TO SECTION 10. Section 10 of the Credit
        Agreement is hereby amended by adding a new Section "10.4" thereto to
        read as follows:

<PAGE>   4
Page 4

               "SECTION 10.4. EARNINGS BEFORE INTEREST AND TAXES, DEPRECIATION
        AND AMORTIZATION. The Borrower will not permit Earnings Before Interest
        and Taxes, Depreciation and Amortization of the Borrower and its
        Subsidiaries to be less than $4,000,000 for any fiscal quarter of the
        Borrower ending on or after June 30, 1999."

               SECTION 4.6. AMENDMENTS TO SCHEDULE 2. The definition of
        "Maturity Date" appearing in Schedule 2 of the Credit Agreement is
        hereby deleted and the definitions of "Leverage Ratio" and "Revolving
        Credit Termination Date" appearing in Schedule 2 of the Credit Agreement
        are hereby amended by deleting each of them in their entirety and
        substituting therefor, respectively, the following:

               "Leverage Ratio. With respect to any fiscal period, the ratio of
        Borrower's Consolidated Total Funded Debt to Earnings Before Interest
        and Taxes, Depreciation and Amortization of the Borrower and its
        Subsidiaries for such period."

               "Revolving Credit Termination Date. August 1, 2001."

        SECTION 5. CONDITIONS TO EFFECTIVENESS. The effectiveness of this
Amendment is subject to the prior satisfaction, on or before August 1, 1999, of
the following conditions precedent (the date of such satisfaction herein
referred to as the "AMENDMENT EFFECTIVE DATE"):

               (a) Payment of Amendment Fee. The Borrower shall have paid to the
        Agent for the account of the Banks a non-refundable amendment fee of
        $56,250.00.

               (b) Representations and Warranties. The representations and
        warranties contained in paragraph 7 of the Credit Agreement shall have
        been correct at and as of the date made. Such representations and
        warranties shall also be correct at and as of the date thereof, except
        to the extent that such representations and warranties expressly related
        to a specific date or were based on facts which have changes in the
        ordinary course of business, which changes, either singly or in the
        aggregate, are not materially adverse.

               (c) No Event of Default. There shall exist no Event of Default or
        condition which, with either or both the giving of notice of the lapse
        of time, would result in an Event of Default upon the execution and
        delivery of this Amendment.

               (d) Corporate Action. The Banks and the Agent shall have received
        evidence reasonably satisfactory to the Bank and the Agent that all
        requisite corporate action necessary for the valid execution,

<PAGE>   5
Page 5

        delivery and performance by the Borrower and Guarantors of this
        Amendment and all other instruments and documents delivered by the
        Borrower and Guarantors in connection herewith.

               (e) Delivery of Amendment. The parties hereto shall have executed
        and delivered this Amendment in form and substance satisfactory to the
        Banks and the Agent.

        SECTION 6. EFFECTIVE DATE. This Amendment shall become effective among
the parties hereto as of the Amendment Effective Date. Until the Amendment
Effective Date, the terms of the Credit Agreement prior to its amendment hereby
shall remain in full force and effect.

        SECTION 7. COUNTERPARTS. This Amendment may be executed in any number of
counterparts and by different parties hereto on separate counterparts, each of
which when so executed and delivered shall be an original, but all of which
counterparts taken together shall be deemed to constitute one and the same
instrument.

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

                                             RAYTEL MEDICAL CORPORATION

                                             By: /s/ JOHN F. LAWLER, JR.
                                                 -------------------------------

                                                Its: Vice President
                                                     ---------------------------

PARIBAS (Formerly known as Banque Paribas)

By: /s/ SEAN CONLON                          By: /s/ [Signature Illegible]
   --------------------------------             --------------------------------

Its: Managing Director                       By: Assistant Vice President
    -------------------------------             --------------------------------

BANKBOSTON, N.A.,
individually and as Agent

By: /s/ CHRIS PHELAN                         Its: Director
   --------------------------------              -------------------------------

<PAGE>   6
Page 6

Each of the undersigned Guarantors
acknowledges and accepts the foregoing
and ratifies and confirms in all respects
such Guarantor's obligations under the
Guarantees:

RAYTEL CARDIAC SERVICES, INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

RAYTEL MEDICAL IMAGING, INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

MEDICAL IMAGING PARTNERS L.P.
    By: RAYTEL MEDICAL IMAGING, INC.,
        Its General Partner

        By:  /s/ JOHN F. LAWLER, JR.
           -----------------------------

           Its: Vice President
               -------------------------

RAYTEL IMAGING HOLDINGS, INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

RAYTEL CARDIOVASCULAR LABS, INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

<PAGE>   7
Page 7

RAYTEL IMAGING NETWORK, INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

RAYTEL IMAGING WEST INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

RAYTEL IMAGING EAST INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

RAYTEL IMAGING MID-ATLANTIC INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

RAYTEL GRANADA HILLS INC.

By:  /s/ JOHN F. LAWLER, JR.
   -------------------------------------

   Its: Vice President
       ---------------------------------

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