Document:

<PAGE>

                                                                  EXHIBIT 10.06*

PLAN DOCUMENT

SOUTHERN MANAGEMENT SERVICES, INC.

EMPLOYEE DENTAL PLAN

EFFECTIVE OCTOBER 1, 1991
<PAGE>

COMPREHENSIVE DENTAL EXPENSE BENEFITS

Covered Dental Expenses

Covered Dental Expenses shall include the charges for services and supplies
incurred by the Covered Person for necessary dental care performed by a Dentist
for which a benefit is payable provided the charges for the services or supplies
are reasonable and customary charges as determined by the Claims Administrator.

Benefit Year Cash Deductible for Non-Orthodontic Services:

          Group 1 Services                              None
          Group 2 and 3 Services                        $50.00 for each covered
                                                        person. Maximum 3
                                                        persons must meet per
                                                        family

Lifetime Cash Deductible for Orthodontic Services:      $50.00 for each covered
                                                        person

The plan will not pay benefits for charges otherwise covered by this plan to the
extent that benefits for such charges are furnished by:

     (1)   Other Major Medical; and
     (2)   Medicare

Payment Rate for:      Group 1  Services                100%
                       Group 2  Services                 80%
                       Group 3  Services                 50%
                       Group 4  Services                 50%

Benefit Year Payment Limit for Non-Orthodontic Services:       $2,000.00

Orthodontic Lifetime Maximum                                   $3,000.00

A "benefit year" is a 12 month period which starts on January 1st and ends on
December 31st of each year.

The Plan will pay for covered charges incurred by a covered person while he's
insured. A covered charge for a crown, bridge or cast restoration is incurred on
the date the tooth is prepared. A covered charge for any other prosthetic device
is incurred on the date the master impression is made. A covered charge for root
canal treatment is incurred on the date the tooth is opened. All other covered
charges are incurred on the date the services are furnished. If a prosthetic
device including dentures, bridgework or crowns was ordered for the Covered
Person prior to the date of cessation of Dental Expense Benefits on account of
such person, the Covered Person will be entitled to the benefits for the device
and the fitting thereof which would have been payable had the Dental Expense
Benefits not ceased provided the device is installed or delivered within one (1)
month after such cessation.

Benefits for orthodontic treatment will be paid up to the date of the month in
which coverage ends.
<PAGE>

PRE-TREATMENT REVIEW

When the expected cost of a proposed course of treatment is $500.00 or more, the
covered person's dentist must submit a treatment plan before he starts. This
must be done on a dental claim form. The treatment plan must include: (a) a list
of the services to be done, using the American Dental Association Nomenclature
and codes; (b) the itemized cost of each service; and (c) the estimated length
of treatment. Dental X-rays, study models and whatever else is needed to
evaluate the treatment plan must be sent to the Claims Administrator as well.

A treatment plan must always be sent to us before orthodontic treatment starts.

The Claims Administrator will review the treatment plan and estimate what will
be paid. The estimate will be sent to the covered person's dentist. If the
claims Administrator does not agree with a treatment plan, or if one is not sent
in, the Claims Administrator will have the right to base the payments on
treatment suited to the covered person's condition by accepted standards of
dental practice.

Pre-treatment review is not a guarantee of what will be paid. It tells the
covered person and his dentist, in advance, what would be paid for the covered
dental services named in the treatment plan. Payment is conditioned on: (a) the
work being done as proposed and while the person is covered; and (b) the
deductible and payment limit provisions and all of the other terms of this plan.

Emergency treatment, oral examinations, dental X-rays and teeth cleaning are
part of a course of treatment, but may be done before the pre-treatment review
is made.

(A)  GROUP I, II, AND III NON-ORTHODONTIC SERVICES:

There is no deductible for group I services, the Plan will pay for group I
covered charges at the payment rate shown in the schedule.

A benefit year deductible, shown in the schedule, applies to group II and group
III services. Each benefit year, each covered person must have covered charges
from groups II and III which exceed this deductible before any benefits are
payable for such charges. These charges must be incurred while the person is
covered under the Plan.

Once a covered person meets this deductible, payment will be made for his group
II and III covered charges above that amount at the payment rate shown in the
schedule for the rest of that benefit year.

All charges must be incurred while covered, and what is paid is subject to the
benefit year payment limit shown in the schedule and to all of the terms of this
plan.

(B)  GROUP IV ORTHODONTIC SERVICES:
<PAGE>

This plan provided benefits for Group IV Orthodontic Services only for covered
dependent children who are less than 19 years old when the active appliance is
first placed.

A lifetime deductible, shown in the schedule, applies to group IV services. Each
eligible covered person must have covered charges from group IV which exceed
this deductible before any benefits for such charges are paid. These charges
must be incurred while he's covered. Charges used to meet this deductible can't
be used to meet the benefit year deductible which applies to other services.

Once a covered person meets his lifetime deductible, his covered group IV
charges above that amount are paid at the payment rate shown in the schedule.
Using this treatment plan, the total benefit is calculated for payment. This is
divided into equal payments, which are spread out over the shorter of two years
or the proposed length of treatment.

The initial payment begins when the active appliance is first placed. Further
payments are made at the end of each subsequent three month period. But
treatment must continue and the covered person must stay insured. What is paid
is subject to the orthodontic lifetime maximum shown in the schedule and to all
the terms of this plan.

Orthodontic benefits won't be charged against the benefit year payment limit
which applies to all other services.

(C)  FAMILY DEDUCTIBLE LIMIT FOR NON-ORTHODONTIC SERVICES:

No family must meet more than three benefit year deductible in any benefit year.
Once this happens, covered charges incurred by any covered family member are
paid at the payment rate shown in the schedule, for the rest of the benefit
year.

But the charges must be incurred while covered under the Plan, and what is paid
is subject to the benefit year payment limit shown in the schedule and to all of
the other terms of this plan.

LIST OF COVERED DENTAL SERVICES

The services covered by this plan are named in this list. Each service on this
list has been placed in one of four groups. A separate payment rate, shown in
the schedule, applies to each group. Group I is made up of preventive services.
Group II is made up of basic services. Group III is made up of major services.
Group IV is made up of orthodontic services.

All covered dental services must be furnished by or under the direct supervision
of a dentist, and they must be usual and necessary treatment for a dental
condition.

GROUP I-PREVENTIVE DENTAL SERVICES
(Non-Orthodontic)

Prophylaxis and Fluoride Treatments:
<PAGE>

          Prophylaxis (limited to one treatment in any three (3) consecutive
          month period) - Allowance includes examination, scaling and polishing.

          Topical application of fluoride (limited to covered persons under age
          18 and limited to one treatment in any three (3) consecutive month
          period) - Allowance included examination and prophylaxis.

 Space Maintainers (limited to covered persons under age 16 and limited to
 initial appliance only) - Allowance includes all adjustments in the first six
 months after installation.

          Fixed, unilateral, band or stainless steel crown type
          Fixed, unilateral, cast type
          Removal, bilateral type

 Fixed and Removable Appliances to Inhibit Thumbsucking and Other Harmful Habits
 (limited to covered persons under age 16 and limited to initial appliance only)
 - Allowance includes all adjustments in the first six months after
 installation.

 Diagnostic Services - Allowance includes examination and diagnosis.

          X-Rays:   Full mouth series of at least 14 films including bitewings
                    if needed (limited to once in any 36 month period)

                    Bitewing films (limited to a maximum of four films in any
                    six consecutive month period)

                    Other intraoral periapical or occlusal films - single films

                    Extraoral superior or inferior maxillary film

                    Panoramic film, maxilla and mandible (limited to once
                    in any 36 consecutive month period.

 Office Visits and Examinations:

         Initial or periodic oral examination (limited to one examination in any
         six consecutive month period)

         Emergency palliative treatment and other non-routine, unscheduled
         visits

 GROUP II-BASIC DENTAL SERVICES (Non-Orthodontic)

 Office Visits and Examinations:

         Diagnostic consultation with a dentist other than the one providing
         treatment (limited to one consultation for each dental specialty in any
         12 consecutive month period) - We pay for this only if no other service
         is rendered during the visit.

Diagnostic Services-Allowance includes examination and diagnosis:
<PAGE>

          Diagnostic casts

          Biopsy and examination of oral tissue

 Restorative Services - Multiple restorations on one surface will be considered
 one restoration. Also see "Major Restorative Services."

          Amalgam restoration:

                   Synthetic restorations- Silicate cement
                                           Acrylic or plastic
                                           Composite resin

                   Crowns -                Acrylic, gold or plastic, without
                                           metal Stainless steel

                   Pins -                  Pin retention, exclusive of
                                           restorative material

          Recementation:

                  Inlay or onlay
                  Crown
                  Bridge

 Endodontic Services - Allowance includes routine X-rays and cultures, but
 excludes final restoration

          Pulp capping, direct

          Remineralization (Calcium Hydroxide), as a separate procedure

          Vital pulpotomy

          Apexification

          Root canal therapy of non-vital (nerve-dead) teeth:

                  Traditional therapy
                  Medicated paste therapy, N2 Sargenti

         Apicoectomy, as a separate procedure or in conjunction with other
         endodontic procedures

Periodontic Services - Allowance includes the treatment plan, local anesthetics
and post-surgical care:

         Gingivectomy or gingivoplasty, per quadrant

         Gingivectomy, per tooth (fewer than 6 teeth)

         Sub-gingival curettage and root planing, per quadrant (limited to a
         maximum of four quadrants in any 12 month period)
<PAGE>

     Pedical or free soft tissue grafts, including donor sites.

     Osseous surgery, including flap entry and closure, per quadrant

     Osseous grafts including flap entry, closure and donor sites

     Muco-gingival surgery

     Occlusal adjustment not involving restorations and done in conjunction with
     periodontic surgery, per quadrant (limited to a maximum of four quadrants
     in any 12 consecutive month period)

Oral surgery allowance includes routine X-rays, the treatment plan, local
anesthetics and post-surgical care.

     Extractions:    Uncomplicated extraction, one or more teeth
                     Surgical removal of erupted teeth, involving tissue flap
                           and bone removal.
                     Surgical removal of impacted teeth

Other surgical procedures:

     Alveolectomy, per quadrant
     Stomatoplasty with ridge extension, per arch
     Removal of palatal torus
     Removal of mandibular tori, per quadrant
     Excision of hyperplastic tissue
     Removal of cyst or tumor
     Incision or drainage of abscess
     Closure of oral fistula or maxillary sinus
     Reimplantation of tooth
     Frenectomy
     Suture of soft tissue injury
     Sialolithotomy for removal of salivary calculus
     Closure of salivary fistula
     Dilation of salivary duct
     Sequestrectomy for osteomyelitis or bone abscess, superficial
     Maxillary sinustomy for removal or tooth fragment or foreign body

Prosthodontic services-specialized techniques and characterization are not
covered. Also see "Major Prosthodontic Services."

     Denture repairs, acrylic:

          Repairing dentures, no teeth damaged
          Repairing dentures and replace one or more broken teeth.
          Replacing one or more broken tooth, no other damage.

     Denture repairs, metal-allowance based on the extent and nature of damage
     and on the type of materials involved.

     Denture duplication, jump case - (limited to once per denture in any 36
     consecutive month period)
<PAGE>

     Dental reline (limited to once per denture in any 12 consecutive month
     period)-

          Office Reline, cold cure
          Laboratory reline

     Denture adjustments (limited to adjustments by a dentist) other than the
     one providing the denture, and adjustments are more than six months after
     the initial installation.

     Tissue conditioning (limited to a maximum of two treatments per arch
     in any 12 consecutive month period.

     Adding teeth to partial dentures to replace extracted natural teeth.

     Repairs to crowns and bridges- allowance based on the extent and nature of
     damage and the type of materials involved.

Other services:

     General anesthesia in connection with surgical procedures only

     Injectable antibiotics needed solely for treatment of dental condition.

GROUP III-MAJOR DENTAL SERVICES
(None-Orthodontic)

Restorative Services - Cast restorations and crowns are covered only when needed
because of decay or injury, and only when the tooth cannot be restored with a
routine filling material. Also see "Basic Restorative Services."

     Inlays
     Onlays, in addition to inlay allowance
     Crowns and Posts:
          Gold
          Acrylic with metal
          Porcelain
          Porcelain with metal
          Full cast metal (other than stainless steel)
          3/4 cast metal (other than stainless steel)
          Cast post and core, in addition to crown, (not a thimble coping)
          Steel post and composite or amalgam core, in addition to crown
          Cast dowel pin (one-piece cast with crown)- Allowance based on type
               of crown

Prosthodontic Services - Specialized technique and characterizations are not
covered.

     Fixed bridges - Each abutment and each pontic makes up a unit in a bridge

     Bridge abutments - See inlays and crowns under "Major Restorations
          Services."
<PAGE>

     Bridge Pontics -

          Cast Metal, sanitary
          Plastic or porcelain with metal
          Slotted facing
          Slotted pontic

     Simple stress breakers, per unit

Removable bridges, unilateral partial, one piece chrome casting, clasp
attachment, including pontics.

Dentures - Allowance includes all adjustments done by the dentist furnishing
the denture in the first six months after installation.

     Full dentures, upper or lower

     Partial dentures - allowance includes all clasps, rests and teeth:

          Upper, with two chrome clasps with rests, acrylic base

          Upper with chrome palatal bar and clasps, acrylic base

          Lower, with two chrome clasps with rests, acrylic base

          Lower with chrome lingual bar and clasps, acrylic base

          Stayplate base, upper or lower (anterior teeth only)

GROUP IV-ORTHODONTIC SERVICES

Orthodontic Services:

     Any Group I, II, or III service furnished in connection with orthodontic
     treatment.

     Surgical exposure of impacted or unerupted teeth in connection with
     orthodontic treatment. Allowance includes routine X-rays, local anesthetics
     and post-surgical care.

     Active appliances - (all types) - allowance includes diagnostic services,
     the treatment plan, the fitting, making and placing of the active
     appliance, and all related office visits including post-treatment
     stabilization.

SPECIAL LIMITATIONS

(A)  Penalty for Late Entrants: Covered charges incurred by a late entrant will
     not be paid for: (1) Group II services until 6 months from date he is
     covered under this plan; (2) Group III services until 12 months from the
     date he is covered under this plan; (3) Orthodontic treatment done in the
     first 24 months he is covered under this plan. However, this limitation
     will not apply to covered charges due solely to an injury suffered while
     insured.
<PAGE>

     A late entrant is a person who: (1) becomes insured more than 31 days after
     he is eligible; or (2) becomes insured again, after his coverage lapsed
     because he did not make required payments (if any).

(B)  Teeth Lost Before A Covered Person Became Insured By This Plan: A covered
     person may have lost one or more teeth before he became covered by this
     plan. Payment will not be made for a prosthetic device which replaces such
     teeth unless the device also replaces one or more natural teeth lost or
     extracted after the covered person became insured by this plan.

EXCLUSIONS

(A)  Oral hygiene, plaque control or diet instruction; topical sealants, or
     precision attachments.

(B)  Treatment which does not meet accepted standards of dental practice; or
     treatment which is experimental in nature.

(C)  Orthodontic treatment, unless the Benefit Provision provides specific
     benefits for this.

(D)  Any appliance or prosthetic device used to: change vertical dimension;
     restore or maintain occlusion, except to the extent that this plan covers
     orthodontic treatment; splint or stabilize teeth for periodontic reasons;
     replace tooth structure lost as a result of abrasion or attrition; and
     treat disturbances of the temporomandibular joint.

(E)  Any service furnished for cosmetic reasons. This includes, but is not
     limited to: characterizing and personalizing prosthetic devices; and making
     facings on prosthetic devices for any teeth in back of the second bicuspid.

(F)  Replacing an appliance or prosthetic device with a like appliance or
     device, unless it is at least five years old and can't be made usable; or
     it is damaged while in the covered person's mouth in an injury suffered
     while insured, and can't be fixed.

(G)  Replacing a lost, stolen or missing appliance or prosthetic device; or
     making a spare appliance or device.

(H)  Treatment needed due to: an on-the-job or job-related injury; or a
     condition for which benefits are payable by Worker's Compensation or
     similar laws.

COORDINATION OF BENEFITS

The Plan has been designed to help meet the cost of disease or injury. Since it
is not intended that greater benefits be received than the actual medical
expenses incurred, the amount of benefits payable under the Plan will take into
account any coverage under other plans and be coordinated with the benefits of
the other plans.
<PAGE>

The Plan will always pay either its regular benefits in full if it is determined
to be the Primary Plan (plan primarily responsible for payment) or if the Plan
is determined to be the Secondary Plan, a reduced amount which, when added to
the benefits payable by the Primary Plan, will equal 100% of Allowable
expenses.

The Primary Plan will be determined according to the following rules in the
following order:

1.   The plan not having an Coordination of Benefits provision or Non-
     Duplication Coverage Exclusion will always be the Primary Plan; or

2.   The plan covering the person as an employee rather than the plan covering
     the person as a dependent; or

3.   The plan covering the person as a dependent of a male insured person rather
     than the plan covering the person as a dependent of a female insured
     person; or

4.   With respect to the dependents of separated or divorced parents:

     a)   The plan of the parent for whom a court decree has established primary
          financial responsibility; or

     b)   In the absence of a court decree, the plan of the parent having
          custody of the child; or

     c)   The plan of the step-parent married to the parent with custody of the
          child; or

     d)   The plan of the parent not having custody of the child; or

"Allowable Expenses" shall mean any necessary, reasonable and customary expense,
incurred while eligible for benefits under the Plan, part or all of which would
be covered under any of the plans, but not including any expense contained in
the list of Exclusions. "Plan" shall mean any plan providing benefits or
services for or by reason of medical or dental care of treatment, which are
provided by any employer plan, group plan, prepayment plan, or No-Fault
Automobile insurance, including Medicare where not prohibited by law.

The Claims Administrator shall have the right to request and release any
information which is necessary in order to determine the Primary Plan.

FACILITY OF PAYMENT

Whenever payments which should have been made under this Plan in accordance with
this provision have been made under any other plan or plans, the Company will
have the right, exercisable alone and in its sole discretion, to pay to any
insurance company or other organization or person making such other payments any
amount it will determine in order to satisfy the intent of this provision, and
amounts so paid will be deemed to be benefits paid under this Plan and to the
extent of such payments, the Company will be fully discharged from liability
under this Plan.
<PAGE>

The benefits that are payable will be charged against any applicable maximum
payment or benefits of this Plan rather than the amount payable in the absence
of this provision.

COORDINATION WITH MEDICARE

Notwithstanding all other provisions of this Plan, all covered Persons who are
eligible for Medicare benefits, will be entitled to benefits under this Plan in
addition to Medicare. However, any benefits of this Plan will be coordinated
with Medicare in accordance with the Coordination of Benefits Provision of this
Plan and subject to the rules and regulations as specified by the Tax Equity and
Fiscal Responsibility Act of 1982. If any Covered Person eligible for Medicare
fails to enroll therefor, benefits will be paid as though he had enrolled.

SUBROGATION

This Plan may withhold payment of benefits when a party other than the Covered
Person or the Plan may be liable for expenses until such liability is legally
determined.

In the event of any payment for services under the Plan, the Plan Administrator
shall, to the extent of such payment, be subrogated to all the rights of
recovery of the Covered Person arising out of any claim or cause of action which
may accrue because of the alleged negligent conduct of a third party. Any such
Covered Person hereby agrees to reimburse the Plan, for any benefits so paid
hereunder, out of any monies received from such third party as the result of
judgement, settlement or otherwise; and such Covered Person agrees to take such
action, to furnish such information and assistance, and to execute and deliver
all necessary instruments as the Plan Administrator may require to facilitate
the enforcement of their rights. This provision shall not apply, however, to a
recovery obtained by a Covered Person from an insurance company on a policy
under which such Covered Person is entitled to indemnity as a named insured
person.

RIGHT TO RECEIVE AND RELEASE NECESSARY INFORMATION

For the purposes of determining the applicability of and implementing the terms
of this provision of the Plan or any provision of similar purpose of any other
Plan, the Company may, without the consent of or notice to any person, release
to or obtain from any insurance company or other organization or person any
information, with respect to any person, which the Company deems to be necessary
for such purposes. Any person claiming benefits under this Plan shall furnish to
the Company, such information as may be necessary to implement this provision.

PROCEDURES FOR CLAIMING BENEFITS UNDER THE PLAN

Filing for Dental Expenses:

Request a claim form from the Insurance Clerk. Complete the top section
(Employee's Statement), present it to the dentist for completion of the reverse
side (Attending Physician's Statement) and request that the doctor forward the
original form to the Claims Administrator's Office for processing.
<PAGE>

Key Points to Remember

1.   All claims for benefits must be filed by you with the Claims Administrator.

2.   It is your responsibility to see that dental bills are submitted to the
     offices of the Claims Administrator. Proper payment cannot be made without
     these bills.

Filing Other Comprehensive Dental Expenses

It is necessary to keep separate records of expenses with respect to each of
your dependents and yourself.

The following are important and should be carefully kept to be submitted with
your claims:

1.   If a claim has not been completed by the dentist, obtain such from the
     Insurance Clerk for completion.

2.   All dentist's bills must show the following:

     a)   Name of patient;

     b)   Period of time covered by these charges;

     c)   All bills should be itemized showing diagnosis, date and charge for
          visit or date of surgery. Cancelled checks, balance due statements,
          and payment receipts are not acceptable.

3.   Medicine or drug bills must show the following:

     a)   Name of person for whom the drug was prescribed;

     b)   Prescription number;

     c)   Prescribing dentist's name. Whenever possible, drug bills should be
          filed with prescribing dentist's bill;

     d)   Cost and name of the drug and date of purchase. Cash register receipts
          cannot be accepted.

4.   Copies of all other Covered Dental Charges such as laboratory charges,
     supply houses, etc., must show the following:

     a)   Name of patient;

     b)   Period of time covered by the charges;

     C)   Nature of treatment or service rendered.

Claims are to filed with the Claims Administrator after the deductible has been
satisfied and any additional bills should be filed not more often than
<PAGE>

every three (3) months or at such time as the total bills exceed $100.00. Claims
must be submitted within twelve (12) months following the calendar in which the
expense was incurred.

EXAMINATION

The Company shall have the right and opportunity to have the Covered Person
examined whose injury or sickness is the basis of a claim hereunder when and so
often as it may reasonably require during pendency of claim hereunder. The
Company shall also have the right and opportunity to have an autopsy performed
in case of death where it is not forbidden by law.

RIGHTS UNDER ERISA

As a participant in your Southern Management Services, Inc. Employee dental
Benefits Plan, you are entitled to certain rights and protections under the
Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all
Plan participants shall be entitled to:

Examine, without charge, at the Plan Administrator's office and at other
specified locations, such as work sites and union halls, all plan documents,
including insurance contracts, collective bargaining agreements and copies of
all documents filed by the Plan with the U.S. Department of Labor, such as
detailed annual reports and plan descriptions.

Obtain copies of all plan documents and other plan information upon written
request to the Plan Administrator. The Administrator may make a reasonable
charge for the copies.

Receive a summary of the Plan's annual financial report. The Plan Administrator
is required by law to furnish each participant with a copy of this summary
annual report.

In addition to creating rights for plan participants, ERISA imposes duties upon
the people who are responsible for the operation of the employee benefit plan.
The people who operate your plan, called "fiduciaries" of the plan, have a duty
to do so prudently and in the interest of you and other plan participants and
beneficiaries.

No one, including your employer, your union, or any other person may fire you or
otherwise discriminate against you in any way to prevent your exercising your
rights under ERISA. If your claim for benefits is denied in whole or in part,
you must receive a written explanation of the reason for the denial.

You have the right to the Plan review and reconsider you claim. Under ERISA,
there are steps you can take to enforce the above rights.

For instance, if you request materials from the plan and do not receive than
within thirty (30) days, you may file suite in Federal Court. In such a case,
the court may require the Plan Administrator to provide the materials and pay up
to $100.00 a day until you receive the materials, unless the materials were not
sent because of reasons beyond the control of the Administrator.

If you have a claim for benefits which is denied or ignored, in whole or in
<PAGE>

part, you may file suite in state or federal court. If it should happen the plan
fiduciaries misuse the Plan's money, or if you are discriminated against for
asserting your rights, you may seek assistance from the U.S. Department of
Labor, or you may file suite in Federal Court.

The court will decide who shall pay court costs and legal fees. If you are
successful, the court may order the person you have sued to pay these costs and
fees. If you lose, the court may order you to pay these costs and fees, for
example, if it finds your claim is frivolous.

If you have any questions about this statement or about your rights under ERISA,
you should contact the nearest Area Office of the U.S. Labor-Management Services
Administration, Department of Labor.

If your claim is denied: you will receive a written explanation when a claim is
denied. You may, within sixty (60) says after receiving the denial, make a
written request to review the claim. This will be answered within sixty (60)
days after receiving your request for a review (within one-hundred twenty
(120)days if special circumstances require an extension of time for processing
the appeal, conducting an investigation and/or obtaining more information.

BENEFIT PLAN SUMMARY

  1.     NAME OF PLAN

         Southern Management services, Inc. Employee Dental Benefit Plan, which
         describes benefits, terms and provisions for payment of benefits and is
         enforced in accordance with the terms of the Plan Document itself.

  2.     EFFECTIVE DATE OF THE PLAN: October 1, 1991

  3.     COMPANY/EMPLOYER/PLAN ADMINISTRATOR/PLAN SPONSOR/FIDUCIARY
         Southern Management Services, Inc.
         455 North Indian Rocks Road
         Belleair Bluffs, FL 34640

  4.     CLAIMS ADMINISTRATOR
         Self Insured Benefit Administrator, Inc.
         P.O. Box 47338
         St. Petersburg, FL 33743-7338

  5.     PLAN NUMBER: 502 Dental

  6.     GROUP NUMBER:

  7.     TYPE OF PLAN

         Welfare Benefit Plan with Dental Benefits that is exclusively for the
         benefit of employees of Southern Management Services, Inc.

  8.     PERSON ELIGIBLE
<PAGE>

  9.     TYPE OF ADMINISTRATION
         Contract Administration

 10.     TYPE OF FUNDING
         Self insured by employer

 11.     TAX IDENTIFICATION NUMBER: 59-2793177

 12.     AGENT OF SERVICE OF LEGAL PROCESS
         Southern Management Services, Inc.
         455 North Indian Rocks Road
         Belleair Bluffs, FL 34640

 13.     PLAN YEAR
         The Plan's fiscal year ends June 30th.

 14.     CONTRIBUTIONS
         Employer and Employees contribute to the Plan<PAGE>

                                                                   Exhibit 10.09

AMSOUTH BANK
                           AMENDMENT TO AMENDED AND
                           ------------------------
                            RESTATED LOAN AGREEMENT
                            -----------------------

     This Amendment to the Amended and Restated Loan Agreement (the "Agreement")
having an effective dare of January 2, 2001, by and between AmSouth Bank, an
Alabama banking corporation ("Bank"), StrandTek International, Inc., a Florida
corporation, formerly known as RFI Recycled Fibre Industries, Inc. ("Borrower"),
and David M. Veltman, William G. Buckles, Jr., Gregory D. Veltman, Jerome
Baumann, and Jan Arnett (collectively known as "Guarantors" or, sometimes,
"Shareholders").

                                   RECITALS

     WHEREAS, on May 24, 2000, Bank and Borrower entered into that certain
Amended and Restated Loan Agreement, which consolidated, modified and amended
the Original Loan Agreement (as defined therein) (the "Loan Agreement"); and

     WHEREAS, there exists currently nine (9) promissory notes which are
governed by the terms and covenants of the Loan Agreement; and

     WHEREAS, on even date herewith Bank is extending the maturity date of Term
Note A (as defined herein), extending the maturity date and increasing the
amount available under the LOC Note B (as defined herein), and extending to
Borrower additional financing on a term basis in the sum of $1,250,00.00 ("Term
Note C"); and

     WHEREAS, the parties hereto wish to modify certain terms and conditions of
the Loan Agreement.

     NOW, THEREFORE, in consideration of the Loan or Loans described below and
the mutual covenants and agreements contained herein, and intending to be
legally bound hereby, Bank, Borrower and Guarantors agree as follows:

                                   AGREEMENT

     1.  The above recitals are true and correct and are incorporated by
reference herein.

Amendment to Amended and
Restated Loan Agreement                1                              #A0195463.
<PAGE>

     2.   LOANS. The following information is hereby added to Section 2 of the
          -----
Loan Agreement:

     A.   Term Loan. Bank has made, and is hereby renewing one or more loans to
Borrower in the aggregate principal face amount of One Hundred Fifty Thousand
Dollars ($150,000.00). The obligation to repay the loans is evidenced by a
renewal promissory note or notes having an effective date of January 1, 2001
(the promissory note or notes together with any and all renewals, extensions or
rearrangements thereof being hereafter collectively referred to as the ("Term
Note A") having a maturity date, repayment terms and interest rate as set forth
in the Term Note A.

          i.    Commitment Fee.  Not applicable.

          ii.   Collateral.  The Term Loan shall be secured by a first priority
security interest in all assets, including accounts receivable, instruments,
general intangibles, inventory, and equipment owned by Borrower, or hereafter
acquired and all replacements and substitutions thereof and proceeds therefrom,
together with all funds on deposit with or under the control of the Bank or its
agents or correspondences and all parts, replacements, substitutions, profits,
products and cash and non-cash proceeds of any of the foregoing (including
insurance proceeds payable by reason of loss or damage thereto) in any form and
wherever located.

     B.   Revolving Line of Credit Loan. Bank is hereby renewing and is
additionally increasing the existing LOC Note to the aggregate principal face
amount of Two Million Five Hundred Thousand Dollars ($2,500,000.00). The
obligation to repay the loans is evidenced by a renewal revolving line of credit
promissory note or notes having an effective date of January 2, 2001 (the line-
of-credit promissory note or notes together with any and all renewals,
extensions or rearrangements thereof being hereafter collectively referred to as
the "LOC Note B") having a maturity date, repayment terms and interest rate as
set forth in the LOC Note B.

          i.    Revolving Credit Feature. The LOC Note B provides for a
revolving line of credit under which Borrower may from time to time, borrow,
repay and re-borrow funds.

          ii.   Balance Upon Maturity. Should a balance remain outstanding at
maturity of the LOC Note B, Bank, in its sole and absolute discretion, may
require the Borrower to pay the LOC Note B in full, or secure the LOC Note B
with collateral in a form and substance satisfactory to Bank.

          iii.  Maximum Amount of the Loan. Notwithstanding anything contained
herein to the contrary, the Bank shall not be obligated to lend any sums which
exceed the face amount of the LOC Note B or any renewal, extension or
replacement thereof.

          iv.   Conditions to Each Advance. Prior to the disbursement by Bank of
any advances to Borrower under the LOC Note B, the Bank shall have determined
that there shall exist no event of default; the representations and warranties
contained in the Loan documents shall be true and accurate as of the date of
such advance; there shall have occurred no material adverse changes in the
financial condition of the Borrower or any other person liable for repayment of
the Loan; and the Bank shall have determined that the prospect of payment or
performance of the Loan has not been materially impaired.

          v.    Advances. Advances under the LOC Note B shall be made by
facsimile or written communication to Bank from any Authorized Representative.
Unless otherwise agreed by the Bank, all advances under the LOC Note B will be
made by way of a credit into Borrower's demand deposit account maintained at the
Bank. Borrower shall immediately pay to the Bank on demand any amount by which
the Loan exceeds the Borrowing Base or the face amount of the LOC Note B, which
ever is less. The Bank may, in its discretion, make, or permit to remain
outstanding, Advances to the Borrower in

Amendment to Amended and
Restated Loan Agreement                2                               #A0195463
<PAGE>

excess of the Borrowing Base and/or the face amount of the LOC Note, and all
such amounts shall be part of the Loan and Indebtedness, shall bear interest as
provided in the Note, shall be payable on demand and shall be entitled to all
rights and security provided for herein, the Security Agreement and all other
Loan Documents.

          vi.   Overdraft. Should there occur any overdraft of any deposit
account maintained by the Borrower with the Bank, the Bank may, at its option,
disburse funds (whether or not in excess of the Maximum Amount of the Loan) to
eliminate such overdraft and such disbursement shall be deemed an Advance of
Loan proceeds hereunder entitled to all of the benefits of the Loan Documents.
Nothing herein shall be deemed an authorization of or consent to the creation of
an overdraft in any account or create any obligations on the part of the Bank.

          vii.  Collateral. The LOC Loans shall all be secured by a first
priority security interest in all the investment property, financial assets,
securities entitlements and all other property of whatever nature, now or
hereafter held in Account Number 150-09110-1-9-130, maintained by David M.
veltman and  Kathy F. Veltman, with Salomon Smith Barney, Inc., including,
without limitation, all securities, mutual fund shares, negotiable
instruments, bonds, certificates of deposit, warrants, options and general
intangibles, now owned, or hereafter acquired and all replacements and
substitutions thereof and proceeds therefrom, together with all funds on deposit
with or under control of the Bank or its agents or correspondences and all
parts, replacements, substitutions, profits, products and cash and non-cash
proceeds of any of the foregoing (including insurance proceeds payable by reason
of loss or damage thereto) in any form and wherever located.

          viii. Purpose. Borrower hereby covenants and warrants to Bank that all
loan proceeds shall be used to finance the working capital needs of Borrower.

     C.   Term Loan. Bank hereby agrees to make one or more loans to Borrower in
the aggregate principal face amount of One Million Two Hundred Fifty Thousand
Dollars ($1,250,000.00). The obligation to repay the loans is evidenced by
a promissory note or notes having an effective date of January 2, 2001 (the
promissory note or notes together with any and all renewals, extensions or
rearrangements thereof being hereafter collectively referred to as the "Term
Note C") having a maturity date, repayment terms and interest rate as set forth
in the Term Note C.

          i.    Purpose of Loan. Borrower hereby covenants and warrants to Bank
that all loan proceeds of the Term Note C shall be used for the purchase of
equipment.

          ii.   Commitment Fee. Borrower agrees to pay to Bank, at closing, a
commitment fee in the amount of $12,500.00 for the Term Note C.

          iii.  Collateral. The Term Note C shall be secured by a first priority
security interest in all the investment property, financial assets, securities
entitlements and all other property of whatever nature, now or hereafter held in
Account Number 150-09110-1-9-130, maintained by David M. Veltman and Kathy F.
Veltman, with Salomon Smith Barney, Inc., including, without limitation, all
securities, mutual fund shares, negotiable instruments, bonds, certificates of
deposit, warrants, options and general intangibles, now owned, or hereafter
acquired and all replacements and substitutions thereof and proceeds therefrom,
together with all funds on deposit with or under the control of the Bank or its
agents or correspondences and all parts, replacements, substitutions, profits,
products and cash and non-cash proceeds of any of the foregoing (including
insurance proceeds payable by reason of loss or damage thereto) in any form and
wherever located.

     3.   MISCELLANEOUS. Except as amended herein, the parties hereto ratify and
reaffirm each and every term and condition of the Loan Agreement. All the terms
and conditions of the

Amendment to Amended and
Restated Loan Agreement                3                               #A0195463

<PAGE>

Loan Agreement shall guide the conduct of the parties, except that the
provisions of this Amendment shall control and supersede any conflicting
provisions in the Loan Agreement.

               4.  AFFIRMATIVE COVENANTS. The following subparagraphs of Section
4 of the Loan Agreement are deleted and replaced by the corresponding
subparagraph stated below:

                   Paragraph 4.(2). Furnish to Bank a monthly accounts
               receivable aging statement within fifteen (15) days after month
               end.

                   Paragraph 4.(6) Furnish to Bank company prepared financial
               statements and a Borrowing Base Certificate for (and executed by
               an authorized representative of) Borrower monthly, within fifteen
               (15) days after month end, containing (a) a certification that
               the financial statements of even date are true and correct and
               that the Borrower is not in default under the terms of this
               Agreement, and (b) computations and conclusions, in such detail
               as Bank may request, with respect to compliance with this
               Agreement, and the other Loan Documents, including computations
               of all quantitative covenants.

               5.  COUNTERPARTS. This Agreement may be executed in two or more
separate counterparts, each of which shall be deemed an original, and all of
which, when taken together, shall constitute one and the same instrument.

               IN WITNESS WHEREOF, the parties hereto have caused this Agreement
to be duly executed under seal by their duly authorized representatives on this
2 day of January, 2001.

BORROWER:                                    BANK:

StrandTek International, Inc.,               AmSouth Bank, an Alabama banking
a Florida corporation                        corporation

By: /s/ Jerome Baumann                       By: /s/ David Mitchell
    ---------------------------(Seal)            -------------------------(Seal)
    Jerome Baumann, President                    David Mitchell, Vice President

    [Corporate Seal]

                    [Signatures continued on the next page]

Amendment to Amended and
Restated Loan Agreement                4                            #A0195463.

<PAGE>

GUARANTOR:

_________________________
David M. Veltman

_________________________
William G. Buckles, Jr.

_________________________
Gregory Veltman

_________________________
Jan Arnett

/s/ Jerome Baumann
-------------------------
Jerome Baumann

Amendment to Amended and
Restated Loan Agreement                5                      #A0195463.

<PAGE>

     This Counterpart Signature Page to the Amendment to the Amended and
Restated Loan Agreement is dated as of January 2nd, 2001, by and between AmSouth
Bank, an Alabama banking association ("Bank") and StrandTek International, Inc.,
a Florida corporation, formerly known as RFI Recycled Fibre Industries, Inc.
("Borrower), David M. Veltman, Gregory D. Veltman, William G. Buckles, Jr.,
Jerome Baumann and Jan Arnett (collectively known as "Grantors" or, sometimes,
"Shareholders).

/s/ David M. Veltman
---------------------
David M. Veltman

STATE OF Florida

COUNTY OF Pinellas

     The foregoing instrument was acknowledged before me this 2nd day of
January, 2001, by David M. Veltman, who is personally known to me NA (type of
identification) as identification.

                                  /s/ Deborah J Davis
                                  ----------------------------------------------
                                  Signature of Person Taking Acknowledgement

                                      Deborah J Davis
                                  ----------------------------------------------
                                  Name of Acknowledger Typed, Printed or Stamped

(NOTARY SEAL)                     Notary Public, State of Florida

                                  ----------------------------------------------
                                  Notarial Serial Number
                                  Deborah J. Davis
                                  My Commission CC953949
                                  Expires July 09, 2004

Amendment to Amended and
Restated Loan Agreement              6

<PAGE>

     This Counterpart Signature Page to the Amendment to the Amended and
Restated Loan Agreement is dated as of January 6th, 2001, by and between AmSouth
Bank, an Alabama banking association ("Bank") and StrandTek International, Inc.,
a Florida corporation, formerly known as RFI Recycled Fibre Industries, Inc.
("Borrower), David M. Veltman, Gregory D. Veltman, William G. Buckles, Jr.,
Jerome Baumann and Jan Arnett (collectively known as "Grantors" or, sometimes,
"Shareholders).

/s/ Gregory D. Veltman
--------------------------------
Gregory D. Veltman

STATE OF FLORIDA

COUNTY OF PINELLAS

     The foregoing instrument was acknowledged before me this 6th day of
January, 2001, by Gregory D. Veltman, who is personally known to me or has
produced NA (type of identification) as identification.

                                  /s/ Deborah J. Davis
                                  ----------------------------------------------
                                  Signature of Person Taking Acknowledgement

                                  ----------------------------------------------
                                  Name of Acknowledger Typed, Printed or Stamped

(NOTARY SEAL)                     Notary Public, State of Florida
                                                          ----------------------

                                  ----------------------------------------------
                                  Notarial Serial Number
                                  Deborah J. Davis
                                  My Commission CC953949
                                  Expires July 09, 2004
Amendment to Amended and
Restated Loan Agreement              7
<PAGE>

     This Counterpart Signature Page to the Amendment to the Amended and
Restated Loan Agreement is dated as of January 6th, 2001, by and between AmSouth
Bank, an Alabama banking association ("Bank") and StrandTek International, Inc.,
a Florida corporation, formerly known as RFI Recycled Fibre Industries, Inc.
("Borrower), David M. Veltman, Gregory D. Veltman, William G. Buckles, Jr.,
Jerome Baumann and Jan Arnett (collectively known as "Grantors" or, sometimes,
"Shareholders).

/s/ William G. Buckles, Jr.
---------------------------
William G. Buckles, Jr.

STATE OF FLORIDA

COUNTY OF PINELLAS

     The foregoing instrument was acknowledged before me this 6th day of
January, 2001, by William G. Buckles, Jr., who is personally known to me NA
(type of identification) as identification.

                                  /s/ Deborah J. Davis
                                  ----------------------------------------------
                                  Signature of Person Taking Acknowledgement

                                  ----------------------------------------------
                                  Name of Acknowledger Typed, Printed or Stamped

(NOTARY SEAL)                     Notary Public, State of Florida
                                                          ----------------------

                                  ----------------------------------------------
                                  Notarial Serial Number
                                  Deborah J. Davis
                                  My Commission CC953949
                                  Expires July 09, 2004
Amendment to Amended and
Restated Loan Agreement              8
<PAGE>

     This Counterpart Signature Page to the Amendment to the Amended and
Restated Loan Agreement is dated as of January 2nd, 2001, by and between AmSouth
Bank, an Alabama banking association ("Bank") and StrandTek International, Inc.,
a Florida corporation, formerly known as RFI Recycled Fibre Industries, Inc.
("Borrower), David M. Veltman, Gregory D. Veltman, William G. Buckles, Jr.,
Jerome Baumann and Jan Arnett (collectively known as "Grantors" or sometimes,
"Shareholders).

/s/ Jerome Baumann
----------------------------
Jerome Baumann

STATE OF New Jersey

COUNTY OF Middlesex

     The foregoing instrument was acknowledged before me this 2nd day of
January, 2001, by Jerome Baumann, who is personally known to me or has produced
Florida Driver Licence (type of identification) as identification.

                                  /s/ Ashraf Fouad
                                  ----------------------------------------------
                                  Signature of Person Taking Acknowledgment

                                  Ashraf Fouad
                                  ----------------------------------------------
                                  Name of Acknowledger Typed, Printed or Stamped

(NOTARY SEAL)                     Notary Public, State of New Jersey

                                  ----------------------------------------------
                                  Notorial Serial Number

                                                    ASHRAF FOUAD
                                                    NOTARY PUBLIC
                                                 STATE OF NEW JERSEY
                                        MY COMMISSION EXPIRES SEPT. 14, 2005

Amendment to Amended and
Restated Loan Agreement              9
<PAGE>

     This Counterpart Signature Page to the Amendment to the Amended and
Restated Loan Agreement is dated as of January 5th, 2001, by and between AmSouth
Bank, an Alabama banking association ("Bank") and StrandTek International, Inc.,
a Florida corporation, formerly known as RFI Recycled Fibre Industries, Inc.
("Borrower"), David M. Veltman, Gregory D. Veltman, William G. Buckles, Jr.,
Jerome Baumann and Jan Arnett (collectively known as "Grantors" or, sometimes,
"Shareholders).

/s/ Jan Arnett
---------------
Jan Arnett

STATE OF New York

COUNTY OF Queens

     The foregoing instrument was acknowledged before me this 5/th/ day of
January, 2001, by Jan Arnett, who is personally known to me or has produced
N.Y.S Drivers Lic (type of identification) as identification.
   "Current"

                                  /s/ Rose La Monica
                                  ----------------------------------------------
                                  Signature of Person Taking Acknowledgement

                                      Rose La Monica
                                  ----------------------------------------------
                                  Name of Acknowledger Typed, Printed or Stamped

(NOTARY SEAL)                     Notary Public, State of New York

      ROSE LA MONICA              01LA4838222
Notary Public, State of New York  ----------------------------------------------
       Reg No. 01LA4838222        Notarial Serial Number
   Qualified in Queens County
  Comm. Expires: Feb 17, 2002

Amendment to Amended and
Restated Loan Agreement               10                               #A0195463
<PAGE>

                              SAME NAME AFFIDAVIT

STATE OF NEW JERSEY
COUNTY OF MIDDLESEX

     Before Me, the undersigned personally appeared JEROME BAUMAN who after
being duly sworn deposes and says that he is one and the same as JEROME BAUMANN
whose name appears on the loan documents dated effective January 2, 2001 between
StrandTek International, Inc., as Borrower and AmSouth Bank as Lender.

Further Affiant sayeth not.

                                                    /s/ Jerome Bauman
                                                    ----------------------------
                                                    JEROME BAUMAN

STATE OF NEW JERSEY
COUNTY OF MIDDLESEX

     I HEREBY CERTIFY that on this 2/nd/ day of January, 2001, before me
personally appeared JEROME BAUMAN to be the person described in and who
executed the foregoing instrument for the purposes stated therein.  He has
produced Florida Driver Licence as identification or is personally known to me.

                                                    /s/ Ashraf Fouad
                                                    ----------------------------
                                                    NOTARY PUBLIC
                                                    My Commission Expires:

                                                        ASHRAF FOUAD
                                                        NOTARY PUBLIC
                                                     STATE OF NEW JERSEY
                                            MY COMMISSION EXPIRES SEPT. 14, 2005

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00034-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00034-of-00352.parquet"}]]