Document:

<PAGE>
                                                                   Exhibit 10.19

                     AMENDMENT TO SETTLEMENT AND AGREEMENT

        This AMENDMENT TO SETTLEMENT AND RELEASE AGREEMENT ("Amendment") is
entered into and made effective as of July 5, 2002 by and between Repeater
Technologies, Inc. ("Repeater") and Sanmina-SCI Corporation ("Sanmina").

        WHEREAS, Repeater and Sanmina entered into that certain Settlement and
Release Agreement dated March 11, 2002 (the "Settlement and Release Agreement"),
a copy of which is attached hereto as EXHIBIT A; and

        WHEREAS, Repeater and Sanmina mutually wish to modify and delete certain
provisions of the Settlement and Release Agreement;

        NOW, THEREFORE, in consideration of the mutual promises and covenants
contained herein, the parties agree as follows:

1. SETTLEMENT AND RELEASE AGREEMENT. This Amendment amends and supersedes the
Settlement and Release Agreement only as to those specific provisions referenced
herein. The Amendment and the Settlement and Release Agreement shall be taken
together and construed as one agreement, except that when the terms of this
Amendment conflict with the terms of the Settlement and Release Agreement, this
Amendment shall be controlling.

2. MODIFICATION OF PROVISIONS. The parties agree that the Settlement and Release
Agreement shall be modified as follows: Section 5.2 of the Settlement and
Release Agreement shall be replaced in its entirety by the following provision:

               5.2 OUTSTANDING INVOICES. In addition to the amount specified in
               Section 5.1 ("Cancellation Fee") for the Purchase Order 27891,
               the parties agree that Repeater will pay Sanmina a total One
               Million Three Hundred Fifty Seven Thousand Five Hundred Dollars
               ($1,357,500) against the Outstanding Invoices identified on
               EXHIBIT C) as follows: (i) Ninety Thousand Dollars ($90,000) by
               5:00 PM (Pacific Time) on or before June 28, 2002, (ii) Five
               Hundred and Fifty Thousand Dollars ($550,000) on or before July
               8, 2002, (iii) Four Hundred and Fifty Thousand Dollars ($450,000)
               on or before August 5, 2002 and (iv) the balance on or before
               August 30, 2002, provided, however, that (a) any credit resulting
               from Sanmina's failure to deliver all Remaining Units pursuant to
               Section 5.3 below shall be applied against the August 30, 2002
               balance and (b) the parties agree to negotiate in good faith an
               offset to the balance of the August 30, 2002 payment to account
               for materials received by Repeater from Sanmina in connection
               with the Cancellation Fee and costs incurred by Repeater

                                       1.
<PAGE>

               for additional product testing and repair, as to each of which
               costs Sanmina does not acknowledge liability.

3. DELETION OF PROVISIONS. Section 5.5 Security Interest is deleted in its
entirety.

4. ENTIRE AGREEMENT. This Amendment, along with the Settlement and Release
Agreement, contains the entire agreement between the parties and constitutes the
complete, final and exclusive embodiment of their agreement with respect to the
subject matter of the Amendment and the Settlement and Release Agreement. This
Amendment is executed without reliance upon any promise, warranty or
representation, written or oral, by any party or any representative of any party
other than those expressly contained herein and it supersedes any other such
promises, warranties or representations. This Amendment may not be amended or
modified except in a writing signed by both a duly authorized officer of
Repeater and a duly authorized officer of Sanmina.

IN WITNESS WHEREOF, the parties have duly authorized and caused this Amendment
to be executed as of the date first written above.

REPEATER TECHNOLOGIES, INC.,
a Delaware Corporation

By:     /s/ CHRIS L. BRANSCUM
   -------------------------------------
Name:   Chris L. Branscum
Title   President/CEO

SANMINA-SCI CORPORATION,
a Delaware Corporation

By:     /s/ STEVEN H. JACKMAN
   -------------------------------------
Name:   Steven H. Jackman
Title   VP -- Corporate Counsel

                                       2.<PAGE>
                                                                   Exhibit 10.24

                     DEBT REPAYMENT AGREEMENT AND ASSIGNMENT

        This Debt Repayment Agreement and Assignment is made as of this 10th day
of July, 2002, by and between Michael C. Lowther, TTEE and Janice C. Lowther,
TTEE U/A dated 8/20/91 by Lowther Family Trust ("Borrower") and American
National Financial, Inc. ("ANFI").

        WHEREAS, pursuant to the Employee Stock Purchase Plan and the
Non-Employee Director Stock Purchase Plan adopted September 29, 1999 by the
Board of Directors of ANFI (collectively, the "Purchase Plan"), ANFI was
authorized to loan to certain employees and non-employee directors an aggregate
of $2,000,000 for the purchase of ANFI common stock, no par value ("Common
Stock");

        WHEREAS, Borrower wishes to repay all principal and interest owed by
Borrower under the Plan as of June 30, 2002 (the "Indebtedness"), and ANFI
agrees to accept as repayment consideration for such amount, an amount of Common
Stock with a fair market value equal to the Indebtedness, such fair market value
determined by the average closing price of the Common Stock as reported by
Nasdaq for the 20 trading days preceding the date of this Agreement, or $14.97
per share;

        NOW, THEREFORE, in consideration of the foregoing, and for other good
and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, it is hereby agreed that:

        1.     Conveyance. For the repayment of the Indebtedness set forth
        below, Borrower hereby sells, assigns, conveys, transfers and delivers
        to ANFI the number of shares (the "Shares") of Common Stock set forth
        below:

<TABLE>
<CAPTION>
                                                                  Number of Shares
        Total Indebtedness (Principal + Interest)      (Total Indebtedness divided by $14.97)
        -----------------------------------------      --------------------------------------
<S>                                                    <C>
                         $283,120                                      18,913
</TABLE>

        2.     Acceptance. ANFI hereby accepts the foregoing sale and assignment
        of the Shares in total satisfaction of the Indebtedness set forth in
        Section 1.

        3.     Borrower's Representations. Borrower hereby represents and
        warrants to ANFI as of the date hereof as follows:

                      (a) Borrower is the sole owner and holder of the Shares
and has the full right to sell the Shares on the terms and conditions set forth
herein without consent of any third party.

<PAGE>

                      (b) This Agreement constitutes a legal, valid and binding
obligation of Borrower enforceable against Borrower in accordance with its
terms.

        4.     Indemnification. Borrower agrees to indemnify, defend, reimburse
and hold harmless ANFI and ANFI's attorneys, employees, agents, affiliates,
successors and assigns from and against any and all losses, liabilities, damages
or expenses incurred with respect to a breach by Borrower of any representation
or warranty made by Borrower herein.

        5.     Further Assurances. Borrower and ANFI shall each execute all
documents, instruments and agreements, and take all actions, as may be
reasonably required in order to consummate the transactions contemplated by this
Agreement.

        6.     Miscellaneous. This Agreement shall be governed by and construed
in accordance with, the laws of the State of California. This Agreement contains
the entire agreement between the parties with respect to the subject matter
hereof and supersedes any prior agreements, understandings or negotiations. This
Agreement may not be amended except by a written amendment executed by Buyer and
Seller. This Agreement may be executed in counterparts, each of which shall be
deemed an original but all of which, taken together, shall constitute one and
the same document. This Agreement shall be binding upon, and shall inure to the
benefit of, the parties hereto and their respective successors and assigns.

                            [signature page follows]

                                       2
<PAGE>

        Executed as of the date set forth above.

                                        Borrower:

                                        _______________________________________
                                        Michael C. Lowther, Trustee

                                        _______________________________________
                                        Janice C. Lowther, Trustee

                                        ANFI:

                                        American National Financial, Inc.

                                        _______________________________________
                                        By:
                                        Its:

                                       3<PAGE>
                                                                   Exhibit 10.25

                     DEBT REPAYMENT AGREEMENT AND ASSIGNMENT

        This Debt Repayment Agreement and Assignment is made as of this 10th day
of July, 2002, by and between Wayne D. Diaz, Trustee of the Wayne D. Diaz
Revocable Trust dated September 24, 1998 ("Borrower") and American National
Financial, Inc. ("ANFI").

        WHEREAS, pursuant to the Employee Stock Purchase Plan and the
Non-Employee Director Stock Purchase Plan adopted September 29, 1999 by the
Board of Directors of ANFI (collectively, the "Purchase Plan"), ANFI was
authorized to loan to certain employees and non-employee directors an aggregate
of $2,000,000 for the purchase of ANFI common stock, no par value ("Common
Stock");

        WHEREAS, Borrower wishes to repay all principal and interest owed by
Borrower under the Plan as of June 30, 2002 (the "Indebtedness"), and ANFI
agrees to accept as repayment consideration for such amount, an amount of Common
Stock with a fair market value equal to the Indebtedness, such fair market value
determined by the average closing price of the Common Stock as reported by
Nasdaq for the 20 trading days preceding the date of this Agreement, or $14.97
per share;

        NOW, THEREFORE, in consideration of the foregoing, and for other good
and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, it is hereby agreed that:

        1.     Conveyance. For the repayment of the Indebtedness set forth
        below, Borrower hereby sells, assigns, conveys, transfers and delivers
        to ANFI the number of shares (the "Shares") of Common Stock set forth
        below:

<TABLE>
<CAPTION>
                                                                  Number of Shares
        Total Indebtedness (Principal + Interest)      (Total Indebtedness divided by $14.97)
        -----------------------------------------      --------------------------------------
<S>                                                    <C>
                         $283,120                                      18,913
</TABLE>

        2.     Acceptance. ANFI hereby accepts the foregoing sale and assignment
        of the Shares in total satisfaction of the Indebtedness set forth in
        Section 1.

        3.     Borrower's Representations. Borrower hereby represents and
        warrants to ANFI as of the date hereof as follows:

                      (a) Borrower is the sole owner and holder of the Shares
and has the full right to sell the Shares on the terms and conditions set forth
herein without consent of any third party.

<PAGE>

                      (b) This Agreement constitutes a legal, valid and binding
obligation of Borrower enforceable against Borrower in accordance with its
terms.

        4. Indemnification. Borrower agrees to indemnify, defend, reimburse and
hold harmless ANFI and ANFI's attorneys, employees, agents, affiliates,
successors and assigns from and against any and all losses, liabilities, damages
or expenses incurred with respect to a breach by Borrower of any representation
or warranty made by Borrower herein.

        5. Further Assurances. Borrower and ANFI shall each execute all
documents, instruments and agreements, and take all actions, as may be
reasonably required in order to consummate the transactions contemplated by this
Agreement.

        6. Miscellaneous. This Agreement shall be governed by and construed in
accordance with, the laws of the State of California. This Agreement contains
the entire agreement between the parties with respect to the subject matter
hereof and supersedes any prior agreements, understandings or negotiations. This
Agreement may not be amended except by a written amendment executed by Buyer and
Seller. This Agreement may be executed in counterparts, each of which shall be
deemed an original but all of which, taken together, shall constitute one and
the same document. This Agreement shall be binding upon, and shall inure to the
benefit of, the parties hereto and their respective successors and assigns.

                            [signature page follows]

                                       2
<PAGE>

        Executed as of the date set forth above.

                                        Borrower:

                                        _______________________________________
                                        Wayne D. Diaz, TTEE

                                        ANFI:

                                        American National Financial, Inc.

                                        _______________________________________
                                        By:
                                        Its:

                                       3

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