Document:

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                                                                   EXHIBIT 10.49

SIXTH AMENDMENT AGREEMENT (THE "SIXTH AMENDMENT") TO THE REVOLVING LOAN
AGREEMENT WITH SECURITY INTEREST ENTERED INTO BY AND AMONG GRUPO INDUSTRIAL
SANTA ENGRACIA, S.A. DE C.V. (`BORROWER"), AS BORROWER, INDUSTRIAS CITRICOLAS DE
MONTEMORELOS, S.A. DE C.V. ("ICMOSA") AND AGROMARK, S.A. DE C.V. ("AGROMARK"),
AS GUARANTORS, THE UNIMARK GROUP, INC. ("GROUP"), AS GUARANTOR AND PLEDGOR, MR.
RAFAEL VAQUERO BAZAN AND MR. JOSE MARIA MARTINEZ BORHEZ, AS PLEDGORS, AND
COOPERATIEVE CENTRALE-RAIFFEISSEN BOERENLEENBANK B.A. "RABOBANK INTERNATIONAL"
("BANK"), AS LENDER.

                                    RECITALS

         A. Borrower and Bank executed a Revolving Loan Agreement with Security
Interest on April 10, 1997 by means of which Bank, subject to the terms and
conditions set forth therein, extended to Borrower an uncommitted U.S.
$8,500,000 (Eight Million Five Hundred Thousand Dollars, currency of the United
States of America) revolving loan facility, as amended by the Amendment
Agreement dated April 30, 1998 (the "FIRST AMENDMENT"), the Second Amendment
Agreement dated December 31, 1998 (the "SECOND AMENDMENT"), the Third Amendment
Agreement dated June 9, 1999 (the "THIRD AMENDMENT"), the Fourth Amendment
Agreement dated June 1, 2000 (the "FOURTH AMENDMENT"), and the Fifth Amendment
dated September 1, 2000 (the "FIFTH AMENDMENT") (collectively, the "LOAN
AGREEMENT").

         B. ICMOSA and Agromark executed the Loan Agreement in order to
guarantee the punctual payment of the Gise Obligations (as defined in the Loan
Agreement") by Borrower (the "AFFILIATE GUARANTY").

         C. On April 10, 1997, Group executed a Guaranty in favor of Bank, as
such document has been ratified and amended by certain amendments dated as of
April 30, 1998 and December 31, 1998 (collectively, the "GROUP GUARANTY"), by
means of which Group guaranteed the punctual payment of the Gise Obligations by
Borrower.

         D. On April 10, 1997, Group, Pledgors and Bank executed a pledge
agreement, as amended by that certain amendment agreement executed by those
parties on May 29, 1997, ratified by that certain agreement dated as of April
30, 1998, by means of which Pledgors pledged in favor of Bank 100% of the issued
and outstanding stock of Borrower, ICMOSA and Agromark in order to guarantee the
punctual payment of the Gise Obligations by Borrower, with the amount of stock
of GISE being pledged being reduced to 48% of the issued and outstanding stock
of GISE pursuant to that certain second amendment agreement dated as of February
21, 2000 (collectively, the "PLEDGE AGREEMENT"). Borrower, Guarantors, Group,
and Pledgors are referred to individually as a "LOAN PARTY" and collectively as
the "LOAN PARTIES."

         E. The Loan Agreement was recorded before the Public Registry of
Commerce of the city of Cuidad Victoria, State of Tamaulipas under number 46,
volume 96, book 2.

         F. Borrower and its Affiliates and Bank executed a Waiver of Defaults
dated as of August 12, 1998, by the terms of which Bank waived certain defaults
existing under the Loan Agreement.

         G. Borrower and its Affiliates and Bank executed a Waiver of Defaults
dated as of April 14, 1999, by the terms of which Bank waived certain defaults
existing under the Loan Agreement.

         H. By letter dated July 19, 1999 (the "JULY 1999 LETTER"), Bank advised
Borrower that (1) Bank was exercising its right, pursuant to Section 2.13 of the
Loan Agreement, to deny Borrower's request for further advances under the Loan
Agreement, (2) any outstanding requests not yet funded would not be funded, and
(3) all outstanding advances were to be repaid as they matured in accordance
with the Loan Agreement.

         I. By letter dated August 11, 1999, (the "AUGUST 1999 LETTER") Bank
advised Borrower that notwithstanding the July 1999 Letter, that as each
outstanding Advance under the Loan Agreement came due, such Advance could be
renewed for successive thirty (30) day periods.

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         J. Borrower and Bank executed a Waiver of Defaults dated as of November
12, 1999, by the terms of which Bank waived certain defaults existing under the
Loan Agreement and reduced the Commitment under the Loan Agreement to $4,250,000
(currency of the United States of America).

         K. Borrower and its Affiliates and Bank executed a Waiver of Defaults
dated as of April 12, 2000, by the terms of which Bank waived certain defaults
existing under the Loan Agreement.

         L. Group executed a Collateral Assignment of Note and Security dated as
of June 1, 2000 (the "COLLATERAL ASSIGNMENT") for the benefit of Bank pursuant
to which Group collaterally assigned to Bank as additional security for the Gise
Obligations that certain Four Year Secured Term Note dated October 2, 1999,
executed by SFFI Company, Inc., payable to the order of Group in the original
principal amount of $1,100,000.00, with interest as therein provided (the
"COLLATERAL NOTE") and all security for the Collateral Note.

         M. Borrower and its Affiliates and Bank executed a Waiver of Defaults
dated as of August 11, 2000, by the terms of which Bank waived certain defaults
existing under the Loan Agreement.

         N. Borrower and Bank have agreed to amend certain provisions set forth
in the Loan Agreement.

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

         1. LOAN DOCUMENTS ARE IN FULL FORCE. Except as specifically provided
herein, all the terms of the Loan Agreement, the Promissory Notes, the Group
Guaranty, the Pledge Agreement, the Collateral Assignment, and the other Gise
Loan Documents (as defined in the Loan Agreement) and their related documents
are unaffected hereby and remain in full force and effect.

         2. SAME TERMS. All terms used herein which are defined in the Loan
Agreement shall have the same meanings when used herein, unless the context
hereof otherwise requires or provides. In addition, all references in the Loan
Agreement and in the Gise Loan Documents to the "Agreement" shall mean the Loan
Agreement as amended by the First Amendment, the Second Amendment, the Third
Amendment, the Fourth Amendment, the Fifth Amendment, and this Sixth Amendment
and as the same shall hereafter be amended from time to time.

         3. AMENDMENTS TO LOAN AGREEMENT. Effective as of January 1, 2001, the
following changes shall be made to the Loan Agreement:

                  a. Borrower and Bank agree that the uncommitted revolving loan
facility under the Loan Agreement shall be available until April 30, 2001,
subject to the terms and conditions of the Loan Agreement as amended hereby, at
which time all Gise Obligations under the Loan Agreement shall be due and
payable in full. Accordingly, Section 2.07 of the Loan Agreement is amended in
its entirety to read as follows:

                  "2.07 Repayment of Gise Loans. The Borrower shall repay to the
         Bank the full principal amount of each Advance on each Principal
         Payment Date or such earlier date on which the Gise Obligations have
         been declared due and payable in accordance with the terms hereof;
         provided, however, that if not sooner declared due and payable, the
         Gise Obligations shall be due and payable in full on April 30, 2001."

                  b. The definition of "Borrowing Base" in Article One of the
Loan Agreement is amended in its entirety to read as follows:

                  "`Borrowing Base," as of any date of determination, means an
         amount equal to the sum of (i) 85% (eighty-five percent) of the face
         amount expressed in Dollars of Eligible Accounts (net of maximum
         discounts, offsets, credits, retains and any other amounts deferred
         with respect thereto), plus (ii) 60% (sixty percent) of the value
         expressed in Dollars of all citrus oils and essences determined at the
         average market price received over the last thirty (30) days, or the
         last three (3) sales if there have not been at least five (5) sales in
         the last thirty (30)

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         days, plus (iii) 80% (eighty percent) of the value expressed in Dollars
         of frozen concentrated orange juice Inventory ("FCOJ Inventory") at the
         lower of (A) the average of the last thirty (30) days' cash sales, or
         (B) the near term futures contract, plus (iv) 80% (eighty percent) of
         non-frozen orange juice Inventory ("NCF Inventory") at the average
         market price received over the last thirty (30) days, or the last three
         (3) sales if there have not been at least five (5) sales in the last
         thirty (30) days, plus (v) the balance of the Cash Collateral and minus
         (vi) the Gise Loans."

                  c. Exhibit "B" to the Loan Agreement is amended in its
entirety by substituting therefor Exhibit "B" attached hereto.

         4. REPRESENTATIONS AND WARRANTIES OF LOAN PARTIES. As an inducement to
Bank to enter into this Sixth Amendment, each Loan Party makes the following
representations and warranties to Bank (which survive the execution and delivery
of this Sixth Amendment):

                  a. Each Loan Party is in compliance in all material respects
with all covenants contained in the Loan Agreement and the documents related
thereto.

                  b. All representations and warranties of each Loan Party
contained in the Loan Agreement and the other Gise Loan Documents are true and
correct in all material respects on and as of this date.

                  c. No default exists under the Loan Agreement.

                  d. No adverse change in condition (financial or otherwise) of
Borrower or any of its Affiliates not previously disclosed to the Bank in
writing or any other event has occurred which creates a possibility of adversely
affecting: (i) the condition (financial or otherwise) of Borrower or any of its
Affiliates, or Borrower and its Affiliates taken as a whole; (ii) the validity
or enforceability of the Loan Agreement or any documents related thereto; or
(iii) the ability of Borrower, or any Affiliate of Borrower, to meet and carry
out their respective obligations under the Loan Agreement or any documents
related thereto or to perform the transactions contemplated thereby.

                  e. All information that any Loan Party or any Affiliate of a
Loan Party has provided to Bank in connection herewith is true and accurate and
no Loan Party nor any Affiliate of a Loan Party has failed to disclose any
information of a material nature regarding its financial condition.

                  f. Each of the Loan Parties has the full power, authority and
legal right to execute, deliver, perform and observe the provisions of the Loan
Agreement, this Sixth Amendment and any document executed pursuant to this Sixth
Amendment, and to carry out the transactions contemplated hereby and thereby.

                  g. The execution, delivery and performance by each of the Loan
Parties of its respective obligations under the Loan Agreement and the documents
related thereto have been duly authorized by all necessary action, and does not
and will not require any registration with, consent or approval of, or notice
to, or any action by, any person. The Loan Agreement and the documents related
thereto including this Sixth Amendment constitute the legal, valid and binding
obligation of the Loan Parties and each of them enforceable against such party
in accordance with their respective terms.

                  h. The execution and delivery of this Sixth Amendment, and the
compliance with its terms as contemplated herein, will not result in a breach of
any of the terms or conditions of, or result in the imposition of any lien,
charge or encumbrance upon any of the collateral referred to in the Loan
Agreement or any document related thereto (the "COLLATERAL") or constitute a
default (with due notice or lapse of time or both) or result in an occurrence of
any event of default for which any holder or holders of indebtedness for
borrowed money may declare the same due and payable under any indenture,
agreement, order, judgment or instrument under which any Loan Party is a party
or by which any Loan Party or the Collateral may be bound or affected, and will
not violate any provision of applicable law.

                  i. There are no suits, actions or proceedings (whether or not
purportedly on behalf of Borrower or any Affiliate of Borrower) pending, or to
the knowledge of any Loan Party threatened, against or affecting any Loan Party
or the Collateral at law or in equity, before or by any person which, if
determined adversely to any Loan Party, would have a material adverse effect on
the business or condition (financial or otherwise) of any Loan Party or the
Collateral. No Loan

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Party is in violation of or in default with respect to any applicable laws or
regulations which materially affect the operations or conditions (financial or
otherwise) of any Loan Party or the Collateral, nor is it in violation of or in
default with respect to any order, writ, injunction, demand or decree of any
court or any person or in violation or in default in any material respect under
any indenture, agreement or instrument, under which any Loan Party is a party or
may be bound, other than as may exist under the Notes.

                  j. No property, tangible or intangible, subject to any
security interest, mortgage, deed of trust, pledge, lien, or encumbrance to Bank
is subject to any other security interest, mortgage, deed of trust or
encumbrance.

                  k. Borrower is a corporation duly organized, validity existing
and in good standing under the laws of Mexico and is authorized to transact
business in all necessary jurisdictions.

         Each Loan Party, jointly and severally, agrees to indemnify and hold
Bank harmless against any losses, claim, damage, liability or expense
(including, without limitation, attorneys' fees) incurred as a result of any
representation or warranty made by it herein proving to be untrue in any
respect.

         5. RATIFICATION OF GUARANTY. Each of ICMOSA and Agromark hereby
recognizes, ratifies, approves and confirms the validity of its respective
Affiliate Guaranty and agrees that said Affiliate Guaranty continues to secure
the indebtedness evidenced by the Loan Agreement as amended by this Sixth
Amendment and the documents related thereto. Group hereby recognizes, ratifies,
approves and confirms the validity of the Group Guaranty and agrees that the
Group Guaranty continues to secure the indebtedness evidenced by the Loan
Agreement as amended by this Sixth Amendment and the documents related thereto.
The Affiliate Guaranties and the Group Guaranty are referred to individually as
a "GUARANTY AGREEMENT" and collectively as the "GUARANTY AGREEMENTS."

         6. REPRESENTATIONS AND WARRANTIES OF GUARANTORS. As an inducement to
Bank to enter into this Sixth Amendment, each of Group and the Guarantors make
the following representations and warranties to Bank (which survive the
execution and delivery of this Sixth Amendment):

                  a. No adverse change in condition (financial or otherwise) of
Group or any Guarantor not previously disclosed to Bank in writing or any other
event has occurred which creates the possibility of adversely affecting: (i) the
condition (financial or otherwise) of Group or any Guarantor; (ii) the validity
or enforceability of any Guaranty Agreement; or (iii) the ability of Group or
any Guarantor to meet and carry out its respective obligations under any
Guaranty Agreement.

                  b. Subject to Bank's waiver of the defaults of specific
provisions of the Loan Agreement set forth herein, each of Group and the
Guarantors is in compliance in all material respects with all covenants
contained in the Guaranty Agreements.

                  c. All representations and warranties of each of Group and the
Guarantors contained in the Guaranty Agreements are true and correct in all
material respects on and as of this date.

         7. RATIFICATION OF PLEDGE AGREEMENT. Each of Group and Pledgors hereby
recognizes, ratifies, approves and confirms the validity of the Pledge Agreement
and agrees that the Pledge Agreement continues to secure the indebtedness
evidenced by the Loan Agreement as amended by this Sixth Amendment and the
documents related thereto.

         8. REPRESENTATIONS AND WARRANTIES OF PLEDGORS. As an inducement to Bank
to enter into this Sixth Amendment, each of Group and the Pledgors make the
following representations and warranties to Bank (which survive the execution
and delivery of this Sixth Amendment):

                  a. No adverse change in condition (financial or otherwise) of
Group or any Pledgor not previously disclosed to Bank in writing or any other
event has occurred which creates the possibility of adversely affecting: (i) the
condition (financial or otherwise) of Group or any Pledgor; (ii) the validity or
enforceability of the Pledge Agreement; or (iii) the ability of Group or any
Pledgor to meet and carry out its respective obligations under the Pledge
Agreement.

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                  b. Subject to Bank's waiver of the defaults of specific
provisions of the Loan Agreement set forth herein, each of Group and the
Pledgors is in compliance in all material respects with all covenants contained
in the Pledge Agreement.

                  c. All representations and warranties of each of Group and the
Pledgors contained in the Pledge Agreement are true and correct in all material
respects on and as of this date.

         9. RATIFICATION OF COLLATERAL ASSIGNMENT. Group hereby recognizes,
ratifies, approves and confirms the validity of the Collateral Assignment and
agrees that the Collateral Assignment continues to secure the indebtedness
evidenced by the Loan Agreement as amended by this Sixth Amendment and the
documents related thereto.

         10. REPRESENTATIONS AND WARRANTIES OF GROUP RELATING TO COLLATERAL
ASSIGNMENT. As an inducement to Bank to enter into this Sixth Amendment, Group
makes the following representations and warranties to Bank (which survive the
execution and delivery of this Sixth Amendment):

                  a. No adverse change in condition (financial or otherwise) of
Group not previously disclosed to Bank in writing or any other event has
occurred which creates the possibility of adversely affecting: (i) the condition
(financial or otherwise) of Group; (ii) the validity or enforceability of the
Collateral Assignment; or (iii) the ability of Group to meet and carry out its
obligations under the Collateral Assignment.

                  b. Subject to Bank's waiver of the defaults of specific
provisions of the Loan Agreement set forth herein, Group is in compliance in all
material respects with all covenants contained in the Collateral Assignment.

                  c. All representations and warranties of Group contained in
the Collateral Assignment are true and correct in all material respects on and
as of this date, except that as of this date the outstanding principal
indebtedness owed to Group under the Collateral Note is $920,430.00.

         11. NO RELEASE OF ANY LOAN PARTY. Nothing herein contained shall
operate to release any Loan Party from liability to keep and perform all of the
terms, conditions, obligations and agreements contained in the Loan Agreement or
any of the other Gise Loan Documents.

         12. NO RELEASE OF GUARANTORS. Nothing herein contained shall operate to
release any of Group or the Guarantors from liability to keep and perform all of
the terms, conditions, obligations and agreements contained in each respective
Guaranty Agreement.

         13. NO RELEASE OF PLEDGORS. Nothing herein contained shall operate to
release any of Group or the Pledgors from liability to keep and perform all of
the terms, conditions, obligations and agreements contained in the Pledge
Agreement.

         14. NO RELEASE OF GROUP UNDER COLLATERAL ASSIGNMENT. Nothing herein
contained shall operate to release Group from liability to keep and perform all
of the terms, conditions, obligations and agreements contained in the Collateral
Assignment.

         15. OBLIGATIONS UNAFFECTED. Except as otherwise specified herein, the
terms and provisions hereof shall in no manner impair, limit, restrict, novate
("novacion"), or otherwise affect the obligations of the Loan Parties to Bank as
evidenced by the Loan Agreement and the other Gise Loan Documents. As a material
inducement to Bank to execute and deliver this Sixth Amendment, each of the Loan
Parties acknowledges that there are no claims or offsets against, or defenses or
counterclaims to, the terms or provisions of and the other obligations created
or evidenced by the Loan Agreement or any document related thereto. The parties
agree that this Sixth Amendment does not imply a novation of the original
obligations, and all those provisions and covenants which have not been
expressly amended by this Sixth Amendment will remain in full force and effect,
binding the parties as executed. This Sixth Amendment shall be construed jointly
with the Loan Agreement and the other Gise Loan Documents.

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         16. NO WAIVER BY THIS SIXTH AMENDMENT. Each of the parties hereto
acknowledges that, except to the extent expressly set forth herein, the
execution of this Sixth Amendment by Bank is not intended nor shall it be
construed as: (a) an actual or implied waiver of any default under the Loan
Agreement or any document related thereto; or (b) an actual or implied waiver of
any condition or obligation imposed upon any of the parties hereto pursuant to
the Loan Agreement or any document related thereto; (c) an actual or implied
waiver of any condition or obligation imposed upon any of the Loan Parties; or
(d) affecting any right or rights which Bank may now have or may have in the
future under or in connection with the Loan Agreement or any document related
thereto.

         17. CONDITIONS OF EFFECTIVENESS.

                  a. Bank shall have received this Sixth Amendment executed by
Borrower, each Guarantor, Group, and each Pledgor.

                  b. Corporate resolutions of each of Borrower, each Guarantor,
and Group authorizing the execution, delivery and performance of this Sixth
Amendment and satisfactory to Bank in form and content.

                  c. Incumbency Certificate to the satisfaction of Bank from
Borrower containing specimen signatures of all officers of Borrower who are
authorized to execute or attest to this Sixth Amendment or any of the other Gise
Loan Documents on behalf of Borrower executed by the President and by the
Secretary of Borrower; such certification may be conclusively relied upon by
Bank until Bank receives notice in writing from Borrower to the contrary and
provides a substitute certificate conforming to the requirements specified by
Bank.

                  d. Incumbency Certificate to the satisfaction of Bank from
Group containing specimen signatures of all officers of Group who are authorized
to execute or attest to this Sixth Amendment or any of the other Loan Documents
on behalf of Group executed by the President and by the Secretary of Group; such
certification may be conclusively relied upon by Bank until Bank receives notice
in writing from Group to the contrary and provides a substitute certificate
conforming to the requirements specified by Bank.

                  e. Incumbency Certificate to the satisfaction of Bank from
ICMOSA containing specimen signatures of all officers of ICMOSA who are
authorized to execute or attest to this Sixth Amendment or any of the other Loan
Documents on behalf of ICMOSA executed by the President and by the Secretary of
ICMOSA; such certification may be conclusively relied upon by Bank until Bank
receives notice in writing from ICMOSA to the contrary and provides a substitute
certificate conforming to the requirements specified by Bank.

                  f. Incumbency Certificate to the satisfaction of Bank from
Agromark containing specimen signatures of all officers of Agromark who are
authorized to execute or attest to this Sixth Amendment or any of the other Loan
Documents on behalf of Agromark executed by the President and by the Secretary
of Agromark; such certification may be conclusively relied upon by Bank until
Bank receives notice in writing from Agromark to the contrary and provides a
substitute certificate conforming to the requirements specified by Bank.

                  g. All the conditions precedent set forth in Section 3.2,
ADDITIONAL CONDITIONS, of the Loan Agreement shall be satisfied.

                  h. Payment of the U.S. $85,000 (eighty-five thousand Dollars
Currency of the United States) in deferred interest, as required by Section
2.04(c) of the Loan Agreement (as added by the Fifth Amendment).

                  i. All of the actions to be taken pursuant to Section 5 of the
Second Amendment Agreement dated February 21, 2000, amending the Pledge
Agreement shall be completed.

                  j. Payment of all costs and expenses of Bank (including the
reasonable fees of Bank's counsel) in connection with the preparation of this
Sixth Amendment and any other documents in connection therewith.

                  k. Bank shall have received such other documents, opinions,
certifications, consents, waivers, agreements and evidence as Bank may
reasonably request.

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         18. POZA RICA PROCESSING PLANT MORTGAGE. Borrower agrees to execute and
deliver to Bank by no later than April 30, 2001, (a) a mortgage in form and
content acceptable to Bank granting to Bank a first lien on Borrower's Poza Rica
Processing Plant, which Mortgage shall be registered before the appropriate
Public Registry of Property, and (b) corporation resolutions of Borrower
authorizing the execution, delivery and performance of such mortgage and
satisfactory to Bank in form and content. Borrower's failure to comply with the
provisions of this Section 18 shall constitute an Event of Default under the
Loan Agreement as amended hereby.

         19. EXPENSES, WAIVER FEE AND INDEMNITY. The parties hereto agree,
whether or not the transactions herein contemplated shall become effective, to
reimburse and hold Bank harmless against any liability for the payment of all
out-of-pocket expenses arising in connection with the preparation, delivery,
administration (including, without limitation, any modification of, or consent
or waiver under, the Loan Agreement or any other Gise Loan Document), amendment,
interpretation or enforcement of this Sixth Amendment, including, without
limitation the reasonable fees and expenses of legal counsel for Bank. Further,
each of the Loan Parties jointly and severally agrees to indemnify Bank from and
hold it harmless against any and all losses, liabilities, claims, damages and
expenses incurred by Bank arising out of its entering into any of this Sixth
Amendment, including without limitation, the fees and disbursements of counsel
incurred in connection with any litigation or other proceeding arising out of or
by reason of any of the aforesaid.

         20. CONFIRMATION OF CONTINUED EFFECTIVENESS OF LOAN AGREEMENT. Each
Loan Party hereby confirms and agrees that the Loan Agreement and each of the
documents related thereto secures and shall continue to secure, in the same
manner and to the same extent provided therein, the payment and performance of
the obligations, as extended by this Sixth Amendment.

         21. SEVERABILITY OF PROVISIONS. In case any one or more of the
provisions contained in this Sixth Amendment should be invalid, illegal, or
unenforceable in any respect, the validity, legality, or enforceability of the
remaining provisions contained herein shall not in any way be affected or
impaired thereby.

         22. SUCCESSORS AND ASSIGNS. This Sixth Amendment shall be binding upon
and inure to the benefit of each of the Loan Parties and Bank and their
respective heirs, administrators, successors and assigns; provided, however,
that none of such entities may not transfer its rights under this Sixth
Amendment to any other person without the prior written consent of Bank.

         23. GOVERNING LAW. THIS SIXTH AMENDMENT SHALL BE GOVERNED BY THE LAWS
OF MEXICO WITHOUT GIVING EFFECT TO ANY CONFLICTS OF LAWS PRINCIPLES.

         24. AMENDMENT AND WAIVER. No provision of this Sixth Amendment
(including, without limitation, any of the documents that are attached hereto in
the form of exhibits) may be amended, modified, supplemented, changed, waived,
discharged or terminated unless each party hereto consents in writing.

         25. FURTHER ASSURANCES. Each of the Loan Parties shall from time to
time execute and deliver all such other documents, instruments and assurances
hereof and take all such other actions as may be necessary or reasonably
required by Bank to carry into force and effect the purpose and intent of this
Sixth Amendment.

         26. AGREEMENT CONTROLLING. In the event of a conflict between the terms
and provisions of this Sixth Amendment and the terms and provisions of the Loan
Agreement, the terms and provisions of the Loan Agreement shall control.

         27. ENTIRE AGREEMENT. This Sixth Amendment (including its recitals and
exhibits) constitutes the entire agreement between the parties with respect to
the subject matter hereof, and this Sixth Amendment (including its recitals and
exhibits) supersedes all previous negotiations, discussions and agreements
between the parties with respect to the waiver of defaults, and no parol
evidence of any prior or other agreement with respect thereto shall be permitted
to contradict or vary the terms hereof.

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         28. COUNTERPART EXECUTION. This Sixth Amendment may be executed in any
number of counterparts with the same effect as if all parties hereto had signed
the same document. All such counterparts shall be construed together and shall
constitute one instrument. In making proof hereof it shall only be necessary to
produce one such counterpart.

         29. HEADINGS. The headings of the sections, paragraphs and subdivisions
of this Sixth Amendment are for the convenience of reference only, and are not
to be considered a part hereof and shall not limit or otherwise affect any of
the terms hereof.

         30. NO ORAL AGREEMENTS. THIS SIXTH AMENDMENT REPRESENTS THE FINAL
AGREEMENT BETWEEN THE PARTIES WITH RESPECT TO THE TRANSACTIONS THEREIN DESCRIBED
AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT
ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN
THE PARTIES.

         IN WITNESS WHEREOF, the parties hereto have caused this Sixth Amendment
to be duly executed by their respective duly authorized officers to be effective
as of the 1st day of January 2001.

                             BORROWER:

                             GRUPO INDUSTRIAL SANTA ENGRACIA, S.A. DE C.V.,
                             a Mexican corporation

                             By: /s/ Jose Maria Martinez Brohez
                                 -----------------------------------
                             Name:   Jose Maria Martinez Brohez
                                   ---------------------------------
                             Title:  President
                                   ---------------------------------

                             BANK:

                             COOPERATIEVE CENTRALE  RAIFFEISEN-
                             BOERENLEENBANK B.A., "RABOBANK
                             INTERNATIONAL," NEW YORK BRANCH, a New York
                             State licensed branch of a Netherlands  Cooperative
                             Banking Organization

                             By: /s/ Robert Stevens
                                 -----------------------------------
                             Name:   Robert Stevens
                                 -----------------------------------
                             Title:  Vice President
                                 -----------------------------------

                             By: /s/ Robert S. Bucklin
                                 -----------------------------------
                             Name:   Robert S. Bucklin
                                   ---------------------------------
                             Title:  Chief Corporate Banking Officer
                                   ---------------------------------

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<PAGE>   9

                            GUARANTORS:

                            INDUSTRIAS CITRICOLAS DE MONTEMORELOS, S.A. DE C.V.,
                            a Mexican corporation

                            By: /s/ Rafael Vaquero Bazan
                                ---------------------------
                            Name:   Rafael Vaquero Bazan
                                    -----------------------
                            Title:  President
                                    -----------------------

                            AGROMARK S.A. DE C.V., a Mexican corporation

                            By: /s/ Rafael Vaquero Bazan
                                ---------------------------
                            Name:   Rafael vaquero Bazan
                                    -----------------------
                            Title:  President
                                    -----------------------

                            GROUP:

                            THE UNIMARK GROUP, INC.

                            By: /s/ David E. Ziegler
                                ---------------------------
                            Name:   David E. Ziegler
                                    -----------------------
                            Title:  Chief Financial Officer
                                    -----------------------
                            PLEDGORS:

                            /s/ Rafael Vaquero Bazan
                            ------------------------------
                            MR. RAFAEL VAQUERO BAZAN

                            /s/ Jose Maria Martinez Brohez
                            ------------------------------
                            MR. JOSE MARIA MARTINEZ BROHEZ

                                     Page 9

<PAGE>   10

                                                                       EXHIBIT B

                       FORM OF BORROWING BASE CERTIFICATE

Grupo Industrial Santa Engracia, S.A. de C.V.
Borrowing Base Certificate
Date: As of ________________, 2001

         Re: Gise Loan Agreement

1.       We refer to the Revolving Loan Agreement with Security Interest dated
         as of April 10, 1997 and made among Cooperatieve Centrale
         Raiffeisen-Boerenleenbank B.A. Rabobank Nederland, New York Branch,
         Grupo Industrial Santa Engracia, S.A. de C.V., Industrias Citricolas de
         Montemorelos, S.A. de C.V. and AgroMark, S.A. de C.V. (as amended, the
         "Agreement"). Terms defined in the Agreement shall have the same
         meaning herein.

<TABLE>
<CAPTION>
                                                               Gross                              Value Loanable
<S>                                               <C>                                        <C>
All Accounts Receivable
                                                   ------------

            Minus: Ineligible Accounts:
                                                                ------------

Total Eligible Accounts Receivable:                                             85%         $
                                                   ------------                              -----------------------

A.  Citrus Oils and Essences
            Lower of
              (i)   30 Day Average Sale Price
                     or
              (ii) Average of Last Three (3) Sales                              60%         $
                                                                                             -----------------------

B.  FCOJ
      Inventory
            Lower of
              (i)  Average of last 30 days' sales
                    or
              (ii) Near term futures contract                                   80%         $
                                                   ------------                              -----------------------
</TABLE>

EXHIBIT B-PAGE 1

<PAGE>   11

<TABLE>
<S>                                                                    <C>                           <C>
C.  NFC Inventory
            Lower of
              (i) 30 Day Average Sale Price
                     or
              (ii) Average of Last Three (3) Sales  ______  80%         $
                                                                         -----------------------

Total A. plus B. plus C.
                                                                                  $
                                                                                   -----------------------
Combined Borrowing Base:
                                                                                                  $
                                                                                                    =======================

            Plus:      Balance Cash Collateral
                                                                                  $
                  Account at Rabobank                                              -----------------------

TOTAL AVAILABILITY:
                                                                                                  $
                                                                                                    =======================

            Minus: GISE Loans Outstanding                                $
                                                                          -----------------------

Net Amount Available:                                                             $
                                                                                   =======================
</TABLE>

(All amounts in Dollars, currency of the United States of America)

                                   Grupo Industrial Santa Engracia, S.A. de C.V.

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

EXHIBIT B-PAGE 2<PAGE>   1
                                                                   EXHIBIT 10.15

                       FIRST AMENDMENT TO CREDIT AGREEMENT

          THIS FIRST AMENDMENT TO CREDIT AGREEMENT ("Amendment"), dated
effective as of January 15, 2001 (the "Amendment Date"), is among
INTERVOICE-BRITE, INC. (formerly InterVoice, Inc.; "Parent"), BRITE VOICE
SYSTEMS, INC. (successor by merger to InterVoice Acquisition Subsidiary III,
Inc.; "Borrower"), BANK OF AMERICA, NATIONAL ASSOCIATION (successor by merger to
Bank of America National Trust and Savings Association) in its capacity as
administrative agent ("Agent"), and the Lenders party hereto.

                                    RECITALS:

          A. Parent, Borrower, Agent, and the Lenders have entered into that
certain Credit Agreement dated as of June 1, 1999 (the "Credit Agreement").
Borrower has requested that certain provisions of the Credit Agreement be
amended in certain respects.

          B. Subject to satisfaction of the conditions set forth herein, Agent
and the Lenders are willing to amend the Credit Agreement as specifically
provided herein.

          NOW, THEREFORE, BE IT RESOLVED, THAT, in consideration of the premises
herein contained and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto hereby agree as
follows:

                                    ARTICLE 1

                                   Definitions

          Section 1.1 Definitions. Capitalized terms used in this Amendment, to
the extent not otherwise defined herein, shall have the same meanings as in the
Credit Agreement, as amended hereby.

                                    ARTICLE 2

                                    Amendment

          Section 2.1 Amendment to Section 10.1(b). Effective as of the
Amendment Date, Section 10.1(b) of the Credit Agreement is hereby amended by
adding thereto, immediately following the semicolon at the end thereof, a
proviso which shall read in its entirety as follows:

          provided that with respect to such financial report for the Fiscal
          Quarter ending November 30, 2000, such financial report shall be
          delivered by February 2, 2001;

          Section 2.2 Amendment to Section 10.1(c). Effective as of the
Amendment Date, Section 10.1(c) of the Credit Agreement is hereby amended and
restated to read in its entirety as follows:

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 1

<PAGE>   2

                   (c) Compliance Certificate. As soon as available, and in any
          event accompanying the financial statements delivered in accordance
          with Section 10.1(a) and Section 10.1(b), a Compliance Certificate,
          together with schedules setting forth the calculations supporting the
          computations therein, and as soon as available, and in any event on or
          before April 30, 2001, a Compliance Certificate certifying as to the
          Fixed Charge Coverage Ratio of Parent as of the month ending March 31,
          2001 together with schedules and other information as may be
          reasonably requested by the Agent setting forth the calculations
          supporting the computations therein.

          Section 2.3 Amendment to Section 12.2. Effective as of the Amendment
Date, Section 12.2 of the Credit Agreement is hereby amended and restated to
read in its entirety as follows:

                   Section 12.2 Fixed Charge Coverage Ratio. As of the end of
          the month ending March 31, 2001 and as of the end of each Fiscal
          Quarter ending thereafter, Parent shall not permit the Fixed Charge
          Coverage Ratio, calculated as of the end of such month or Fiscal
          Quarter, as applicable, for the preceding twelve (12) month period
          then ending, to be less than 1.25 to 1.00.

                                    ARTICLE 3

                                   Conditions

         Section 3.1 Conditions Precedent. The effectiveness of this Amendment
is subject to the satisfaction of the following conditions precedent:

                   (a) the representations and warranties contained herein and
          in all other Loan Documents, as amended hereby, shall be true and
          correct in all material respects as of the date hereof as if made on
          the date hereof, except for such representations and warranties
          limited by their terms to a specific date;

                   (b) after giving effect to Article 2 hereof, no Default or
          Event of Default shall have occurred and be continuing;

                   (c) Borrower and each Lender shall have delivered to Agent an
          executed original copy of this Amendment;

                   (d) Borrower shall have paid to Agent all fees, costs, and
          expenses owed to and/or incurred by each of Agent and each such Lender
          arising in connection with the Credit Agreement or this Amendment,
          including, without limitation, the reasonable fees, costs, and
          expenses of Agent's legal counsel, Jenkens & Gilchrist, a Professional
          Corporation; and

                   (e) all proceedings taken in connection with the transactions
          contemplated by this Amendment and all documentation and other legal
          matters incident thereto shall be

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 2

<PAGE>   3

          satisfactory to (i) Agent, (ii) the Lenders, and (iii) Agent's legal
          counsel, Jenkens & Gilchrist, a Professional Corporation.

                                    ARTICLE 4

                  Ratifications, Representations and Warranties

          Section 4.1 Ratifications. The terms and provisions set forth in this
Amendment shall modify and supersede all inconsistent terms and provisions set
forth in the Credit Agreement and, except as expressly modified and superseded
by this Amendment, the terms and provisions of the Credit Agreement and the
other Loan Documents are ratified and confirmed and shall continue in full force
and effect. Parent, Borrower, Agent, and the Lenders agree that the Credit
Agreement as amended hereby and the other Loan Documents shall continue to be
legal, valid, binding, and enforceable in accordance with their respective
terms.

          Section 4.2 Representations and Warranties. Each of Parent and
Borrower hereby represents and warrants to Agent and the Lenders that (a) the
execution, delivery, and performance of this Amendment and any and all other
Loan Documents executed and/or delivered in connection herewith have been
authorized by all requisite action on the part of Parent and Borrower and will
not violate the articles of incorporation or bylaws of Parent or Borrower, (b)
the representations and warranties contained in the Credit Agreement, as amended
hereby, and any other Loan Document are true and correct on and as of the date
hereof as though made on and as of the date hereof (except to the extent that
such representations and warranties were expressly, in the Credit Agreement,
made only in reference to a specific date), (c) after giving effect to this
Amendment, no Default or Event of Default has occurred and is continuing, and
(d) each of Parent and Borrower is in full compliance with all covenants and
agreements contained in the Credit Agreement, as amended hereby, and the other
Loan Documents.

                                    ARTICLE 5

                                  Miscellaneous

          Section 5.1 Survival of Representations and Warranties. All
representations and warranties made in this Amendment or any other Loan Document
including any Loan Document furnished in connection with this Amendment shall
survive the execution and delivery of this Amendment and the other Loan
Documents, and no investigation by Agent or any Lender shall affect the
representations and warranties or the right of Agent or any Lender to rely upon
them.

          Section 5.2 Reference to Credit Agreement. Each of the Loan Documents,
including the Credit Agreement and any and all other agreements, documents, or
instruments now or hereafter executed and delivered pursuant to the terms hereof
or pursuant to the terms of the Credit Agreement as amended hereby, are hereby
amended so that any reference in such Loan Documents to the Credit Agreement
shall mean a reference to the Credit Agreement as amended hereby.

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 3

<PAGE>   4

          Section 5.3 Severability. Any provision of this Amendment held by a
court of competent jurisdiction to be invalid or unenforceable shall not impair
or invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

          Section 5.4 Applicable Law. THIS AMENDMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS AND THE APPLICABLE
LAWS OF THE UNITED STATES OF AMERICA.

          Section 5.5 Successors and Assigns. This Amendment is binding upon and
shall inure to the benefit of Parent, Borrower, Agent, and the Lenders and their
respective successors and assigns, except neither Parent nor Borrower may assign
or transfer any of its respective rights or obligations hereunder without the
prior written consent of the Lenders.

          Section 5.6 Counterparts. This Amendment may be executed in one or
more counterparts, and on telecopy counterparts each of which when so executed
shall be deemed to be an original, but all of which when taken together shall
constitute one and the same agreement.

          Section 5.7 Effect of Amendment. No consent or waiver, express or
implied, by Agent or any Lender to or for any breach of or deviation from any
covenant, condition, or duty by Parent, Borrower, or any other Loan Party shall
be deemed a consent or waiver to or of any other breach of the same or any other
covenant, condition, or duty.

          Section 5.8 Headings. The headings, captions, and arrangements used in
this Amendment are for convenience only and shall not affect the interpretation
of this Amendment.

          Section 5.9 Entire Agreement. THIS AMENDMENT AND ALL OTHER
INSTRUMENTS, DOCUMENTS, AND AGREEMENTS EXECUTED AND DELIVERED IN CONNECTION WITH
THIS AMENDMENT EMBODY THE FINAL, ENTIRE AGREEMENT AMONG THE PARTIES HERETO AND
SUPERSEDE ANY AND ALL PRIOR COMMITMENTS, AGREEMENTS, REPRESENTATIONS, AND
UNDERSTANDINGS, WHETHER WRITTEN OR ORAL, RELATING TO THIS AMENDMENT, AND MAY NOT
BE CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT
ORAL AGREEMENTS OR DISCUSSIONS OF THE PARTIES HERETO. THERE ARE NO ORAL
AGREEMENTS AMONG THE PARTIES HERETO.

                  [remainder of page intentionally left blank]

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 4

<PAGE>   5

          IN WITNESS WHEREOF, the parties hereto have executed and delivered
this Amendment effective as of the date first written above.

                                   BORROWER

                                   BRITE VOICE SYSTEMS, INC. (successor
                                   by merger to InterVoice Acquisition
                                   Subsidiary III, Inc.)

                                   By:  /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:    Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:   CFO
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 5

<PAGE>   6

                                   PARENT:

                                   INTERVOICE-BRITE, INC. (formerly
                                   InterVoice, Inc.)

                                   By:  /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:    Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:   CFO
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 6

<PAGE>   7

                                   AGENT and ISSUING BANK:

                                   BANK OF AMERICA, NATIONAL ASSOCIATION
                                   (successor by merger to Bank of America
                                   National Trust and Savings Association), as
                                   Agent

                                   By:  /s/ FRED L. THORNE
                                      ------------------------------------------
                                   Name:    Fred L. Thorne
                                        ----------------------------------------
                                   Title:   Managing Director
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 7

<PAGE>   8

                                   LENDERS:

                                   BANK OF AMERICA, NATIONAL ASSOCIATION
                                   (successor by merger to Bank of America
                                   National Trust and Savings Association)

                                   By:  /s/ FRED L. THORNE
                                      ------------------------------------------
                                   Name:    Fred L. Thorne
                                        ----------------------------------------
                                   Title:   Managing Director
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 8

<PAGE>   9

                                   BANK ONE, TEXAS, N.A.

                                   By:  /s/ TIMOTHY A. SMITH
                                      ------------------------------------------
                                   Name:    Timothy A. Smith
                                        ----------------------------------------
                                   Title:   Vice President
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 9

<PAGE>   10

                                   U.S. BANK NATIONAL ASSOCIATION

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

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 10

<PAGE>   11

                                   FLEET NATIONAL BANK

                                   By:  /s/ DEBRA E. DELVECCHO
                                      ------------------------------------------
                                   Name:    Debra E. Delveccho
                                        ----------------------------------------
                                   Title:   Director
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 11

<PAGE>   12

                                   IBM CREDIT CORPORATION

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

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 12

<PAGE>   13

                                   UNION BANK OF CALIFORNIA, N.A.

                                   By:  /s/ JAMES B. GOUDY
                                      ------------------------------------------
                                   Name:    James B. Goudy
                                        ----------------------------------------
                                   Title:   Vice President
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 13

<PAGE>   14

                                   THE BANK OF NOVA SCOTIA

                                   By:  /s/ F.C.H. ASHBY
                                      ------------------------------------------
                                   Name:    F.C.H. Ashby
                                        ----------------------------------------
                                   Title: Senior Manager Loan Operations
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 14

<PAGE>   15

                                   BANKBOSTON, N.A.

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

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 15

<PAGE>   16

                                   BANK AUSTRIA CREDITANSTALT
                                   CORPORATE FINANCE, INC.

                                   By:  /s/ J. A. SEAY
                                      ------------------------------------------
                                   Name:    J. A. Seay
                                        ----------------------------------------
                                   Title:   Vice President
                                         ---------------------------------------

                                   By:  /s/ CLIFFORD L. WELLS
                                      ------------------------------------------
                                   Name:    Clifford L. Wells
                                        ----------------------------------------
                                   Title:   Senior Vice President
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 16

<PAGE>   17

                                   COMERICA BANK

                                   By:  /s/ T. BANCROFT MATTEI
                                      ------------------------------------------
                                   Name:    T. Bancroft Mattei
                                        ----------------------------------------
                                   Title:   Account Officer
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 17

<PAGE>   18

           REAFFIRMATION OF GUARANTY AND PLEDGE AND SECURITY AGREEMENT

           Each of the undersigned hereby (a) consents to the execution and
delivery of the First Amendment to Credit Agreement to which this Reaffirmation
of Guaranty and Pledge and Security Agreement is attached (the "Amendment") by
the parties thereto, (b) that the Amendment shall not limit or diminish the
obligations of each of the undersigned under their certain Loan Documents
delivered in connection with the Credit Agreement, executed or joined in by each
of the undersigned and delivered to Agent, (c) reaffirms its obligations under
each of such Loan Documents, and (d) agrees that each of such Loan Documents
remains in full force and effect and is hereby ratified and confirmed.

Dated effective as of February 27, 2001.

                                   INTERVOICE GP, INC.

                                   By: /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:   Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:  CFO
                                         ---------------------------------------

                                   INTERVOICE LP, INC.

                                   By: /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:   Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:  CFO
                                         ---------------------------------------

                                   INTERVOICE ACQUISITION
                                   SUBSIDIARY, INC.

                                   By: /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:   Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:  CFO
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 18

<PAGE>   19

                                   INTERVOICE ACQUISITION
                                   SUBSIDIARY II, INC.

                                   By: /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:   Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:  CFO
                                         ---------------------------------------

                                   INTERVOICE LIMITED PARTNERSHIP

                                   By: InterVoice GP, Inc.

                                   By: /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:   Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:  CFO
                                         ---------------------------------------

                                   BVSI, INC.

                                   By: /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:   Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:  CFO
                                         ---------------------------------------

                                   BVS INVESTCO, INC.

                                   By: /s/ ROB-ROY J. GRAHAM
                                      ------------------------------------------
                                   Name:   Rob-Roy J. Graham
                                        ----------------------------------------
                                   Title:  CFO
                                         ---------------------------------------

FIRST AMENDMENT TO CREDIT AGREEMENT - Page 19

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