EXHIBIT 10.11

EXECUTION COPY

WAIVER AND AMENDMENT NO. 1
TO
AMENDED AND RESTATED CREDIT AGREEMENT
Dated as of July 29, 2002

          THIS WAIVER AND AMENDMENT NO. 1 TO AMENDED AND RESTATED CREDIT
AGREEMENT (this "Amendment") is made as of March 27, 2003 by and among Spartan
Stores, Inc., a Michigan corporation (the "Borrower"), the financial
institutions listed on the signature pages hereof as lenders (the "Lenders"),
ABN AMRO Bank N.V., in its capacity as Arranger, Collateral Agent, Syndication
Agent and Administrative Agent (the "Administrative Agent") and Standard Federal
Bank (f/k/a Michigan National Bank), in its capacity as a Co-Arranger (the
"Co-Arranger") under that certain Amended and Restated Credit Agreement dated as
of July 29, 2002 by and among the Borrower, the Lenders, the Co-Arranger and the
Administrative Agent (the "Credit Agreement"). Defined terms used herein and not
otherwise defined herein shall have the meaning given to them in the Credit
Agreement.

WITNESSETH

          WHEREAS, the Borrower, the Lenders, the Co-Arranger and the
Administrative Agent are parties to the Credit Agreement;

          WHEREAS, the Borrower has requested that the Lenders amend the Credit
Agreement in certain respects and the Lenders, the Co-Arranger and the
Administrative Agent are willing to so amend the Credit Agreement on the terms
and conditions set forth herein;

          NOW, THEREFORE, in consideration of the premises set forth above, the
terms and conditions contained herein, and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
Borrower, the Lenders, the Co-Arranger and the Administrative Agent have entered
into this Amendment.

          1.     Waiver. Effective as of the date of this Amendment and subject
to the satisfaction of the conditions precedent set forth in Section 4 below,
the Administrative Agent and the Lenders hereby agree that the Borrower's
non-compliance with the financial covenants contained in Sections 7.4(A), (B),
(C) and (D) for the period ending on March 29, 2003 (such Defaults being herein,
the "Specified Defaults") is hereby waived until June 20, 2003.

          2.     Amendment to Credit Agreement. Effective as of the date hereof
and subject to the satisfaction of the conditions precedent set forth in Section
4 below, the definition of "Aggregate Revolving Loan Commitment" set forth in
Section 1.1 of the Credit Agreement is hereby amended to delete therefrom the
reference to "Seventy-Five Million Dollars ($75,000,000)" and to substitute a
reference to "Sixty-Five Million Dollars ($65,000,000)" therefor.

          3.     Consent to Sale of Collateral. Each of the Lenders, by its
signature below, hereby (w) consents to the sale of (i) the Borrower's remaining
convenience store business (i.e., the "Cash & Carry" businesses operated by
United Wholesale Grocery Company) for a purchase

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price not less than $8,000,000, (ii) all or certain of the Borrower's Food Town
stores, (iii) the Borrower's Maumee, Ohio distribution facility and (iv) the
Borrower's South Street, Toledo, Ohio distribution facility, for a purchase
price not less than $40,000,000 in the aggregate for the asset sales described
in clauses (ii), (iii) and (iv); (x) waives any non-compliance with any
covenants (including, without limitation, Section 7.2(B) and Section 7.3(I))
that may occur as a result of the transactions described in clause (w) above;
(y) acknowledges that the asset sales described in clause (w) above shall not be
included in the calculation of asset dispositions set forth in Section
7.3(B)(iii) of the Credit Agreement; and (z) authorizes the Collateral Agent to
release its lien on the foregoing assets; provided, however, that the proceeds
received by the Borrower in connection with such sales shall be subject to the
mandatory prepayment provisions set forth in Section 2.4(B) of the Credit
Agreement. For the purposes of this Section 3, "purchase price" shall include
cash paid for inventory, equipment, furnishings and related assets, the book
value of liabilities assumed by the purchaser, and the net present value of any
future lease payments due from the purchaser to Borrower as landlord.

          4.     Conditions of Effectiveness. This Amendment shall become
effective and be deemed effective as of the date hereof, if, and only if:

          (a)     the Administrative Agent shall have received duly executed
originals of this Amendment from the Borrower, the Administrative Agent and the
Required Lenders;

          (b)     the Administrative Agent shall have received a duly executed
reaffirmation in the form attached hereto as Exhibit A;

          (c)     all out-of-pocket expenses incurred by the Administrative
Agent prior to the date hereof in connection with the Credit Agreement, this
Amendment, any other Loan Document or the transactions contemplated by any of
the foregoing (including, without limitation, the fees and disbursements of
Sidley Austin Brown &Wood), shall have been paid by the Borrower; and

          (d)     the Administrative Agent shall have received an amendment fee
for the ratable account of those Lenders who have submitted their signature
pages to this Amendment on or prior to 5:00 p.m. (Chicago time) on Thursday,
March 27, 2003 (such Lenders, the "Approving Lenders") in the amount of 50 basis
points on the sum of such Approving Lender's (i) Acquisition Facility
Commitments, (ii) Revolving Loan Commitments (as amended by this Amendment) and
(iii) outstanding principal balance of its Term Loans.

          5.     Letters of Intent; Commitment Letter. If Borrower fails to
deliver to the Administrative Agent (a) by no later than May 13, 2003, a
fully-executed copy of one or more letters of intent or definitive sale
agreements relating to the sale of the Borrower's two convenience store
businesses (known as "Project Combustible"), (b) by no later than May 30, 2003,
a fully-executed copy of one or more commitment letters from General Motors
Acceptance Corporation and other financial institutions evidencing a commitment
to provide the Borrower with one or more new credit facilities in an aggregate
amount sufficient to pay in full all Obligations it owes under the Credit
Agreement and (c) by no later than June 12, 2003, a fully-executed copy of one
or more letters of intent or definitive sale agreements relating to the sale of

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at least 75% of the Borrower's 20 Food Town grocery stores which have been
identified for sale; then for its failure to comply with any of clauses (a), (b)
or (c) of this Section 5, (x) the Borrower shall pay to each Lender, on the date
of such failure, a fee in the amount of 25 basis points on the sum of such
Lender's (i) Acquisition Facility Commitments, (ii) Revolving Loan Commitments
(as amended by this Amendment) and (iii) outstanding principal balance of its
Term Loans, and (y) the ratios set forth Section 7.4(F) of the Credit Agreement
shall be increased by 5 basis points for each failure to comply (as of the date
of such failure to deliver).

          6.     Representations and Warranties of the Borrower. The Borrower
hereby represents and warrants as follows:

          (a)     The Borrower has the legal power and authority to execute and
deliver this Amendment and the officer(s) of the Borrower executing this
Amendment have been duly authorized to execute and deliver the same and bind the
Borrower with respect to the provisions hereof.

          (b)     This Amendment and the Credit Agreement as previously executed
and as amended hereby, constitute legal, valid and binding obligations of the
Borrower, enforceable against it in accordance with their terms.

          (c)     Upon the effectiveness of this Amendment, the Borrower hereby
reaffirms all covenants, representations and warranties made in the Credit
Agreement and the other Loan Documents to the extent the same are not amended
hereby, agrees that all such covenants, representations and warranties shall be
deemed to have been remade as of the effective date of this Amendment.

          (d)     There exists no Default or Unmatured Default after giving
effect to this Amendment (other than the Specified Defaults).

          7.     Reference to the Effect on the Credit Agreement.

          (a)     Upon the effectiveness of Section 1 hereof, on and after the
date hereof, each reference in the Credit Agreement to "this Agreement,"
"hereunder," "hereof," "herein" or words of like import shall mean and be a
reference to the Credit Agreement, as amended previously and as amended hereby.

          (b)     Except as specifically amended above, the Credit Agreement and
all other documents, instruments and agreements executed and/or delivered in
connection therewith shall remain in full force and effect, and are hereby
ratified and confirmed.

          (c)     The execution, delivery and effectiveness of this Amendment
shall not, except as expressly provided herein, operate as a waiver of any
right, power or remedy of the Arrangers, the Agents or any of the Lenders, nor
constitute a waiver of any provision of the Credit Agreement or any other
documents, instruments and agreements executed and/or delivered in connection
therewith.

          8.     Costs and Expenses. The Borrower agrees to pay all reasonable
costs, fees and out-of-pocket expenses (including attorneys' fees and expenses
charged to the Arrangers and the

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Agents) incurred by the Arrangers and the Agents in connection with the
preparation, arrangement, execution and enforcement of this Amendment.

          9.     Governing Law. ANY DISPUTE BETWEEN THE BORROWER AND ANY AGENT
OR ANY LENDER ARISING OUT OF, CONNECTED WITH, RELATED TO, OR INCIDENTAL TO THE
RELATIONSHIP ESTABLISHED BETWEEN THEM IN CONNECTION WITH, THIS AMENDMENT, AND
WHETHER ARISING IN CONTRACT, TORT, EQUITY, OR OTHERWISE, SHALL BE RESOLVED IN
ACCORDANCE WITH THE INTERNAL LAWS (INCLUDING, WITHOUT LIMITATION, 735 ILCS
SECTION 105/5-1 ET SEQ, BUT OTHERWISE WITHOUT REGARD TO THE CONFLICT OF LAWS
PROVISIONS) OF THE STATE OF ILLINOIS, BUT GIVING EFFECT TO FEDERAL LAWS
APPLICABLE TO NATIONAL BANKS.

          10.     Headings. Section headings in this Amendment are included
herein for convenience of reference only and shall not constitute a part of this
Amendment for any other purpose.

          11.     Counterparts. This Amendment may be executed by one or more of
the parties to the Amendment on any number of separate counterparts and all of
said counterparts taken together shall be deemed to constitute one and the same
instrument. A facsimile signature page hereto sent to the Arranger or the
Arranger's counsel shall be effective as an original counterpart signature
provided each party executing such a facsimile counterpart agrees to deliver
originals to the Arranger thereof.

          12.     No Strict Construction. The parties hereto have participated
jointly in the negotiation and drafting of this Amendment, the Credit Agreement
and the other Loan Documents. In the event an ambiguity or question of intent or
interpretation arises, this Amendment, the Credit Agreement and the other Loan
Documents shall be construed as if drafted jointly by the parties hereto and no
presumption or burden of proof shall arise favoring or disfavoring any party by
virtue of the authorship of any provisions of this Amendment, the Credit
Agreement or any of the other Loan Documents.

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          IN WITNESS WHEREOF, this Amendment has been duly executed as of the
day and year first above written.

 

SPARTAN STORES, INC.,
     as Borrower

 

 

 

By: /s/ David M. Staples

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     Name: David M. Staples
     Title: EVP and CFO

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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ABN AMRO BANK N.V.,
as Administrative Agent, Arranger, Syndication
Agent, Collateral Agent, as a Lender and as an
Issuing Bank

 

 

 

By: /s/ Terrence J. Ward

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     Name: Terrence J. Ward
     Title: Senior Vice President

 

 

 

By: /s/ Peter J. Hallan

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     Name: Peter J. Hallan
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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STANDARD FEDERAL BANK (f/k/a Michigan
National Bank), as Co-Arranger, as a Lender and as
an Issuing Bank

 

 

 

By: /s/ Jason T. Byrd

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     Title: Jason T. Byrd
     Name: Assistant Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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BANK ONE, NA

 

 

 

By: /s/ Michele L. Quentin

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     Name: Michele L. Quentin
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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HARRIS TRUST AND SAVINGS BANK

 

 

 

By: /s/ Michael Johns

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     Name: Michael Johns
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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NATIONAL CITY BANK

 

 

 

By: /s/ Thomas E. Redmond

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     Name: Thomas E. Redmond
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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ORIX FINANCIAL SERVICES, INC.

 

 

 

By: /s Mark A. Kassis

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     Name: Mark A. Kassis
     Title: Senior Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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COMERICA BANK

 

 

 

By: /s/ Jeffrey J. Judge

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     Name: Jeffrey J. Judge
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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U.S. BANK, NATIONAL ASSOCIATION

 

 

 

By: /s/ Paul Niedermayer

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     Name: Paul Niedermayer
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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UNITED OF OMAHA LIFE INSURANCE
COMPANY

 

 

 

By: /s/ Curtis R. Caldwell

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     Name: Curtis R. Caldwell
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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BALANCED HIGH-YIELD FUND I LTD.,
By: ING Capital Advisors LLC, as Asset Manager

 

 

 

By: /s/ Cheryl Wasilewski

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     Name: Cheryl Wasilewski
     Title: Vice President

 

 

 

BALANCED HIGH-YIELD FUND II LTD.,
By: ING Capital Advisors LLC, as Asset Manager

 

 

 

By: /s/ Cheryl Wasilewski

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     Name: Cheryl Wasilewski
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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THE BANK OF NOVA SCOTIA

 

 

 

By: /s/ Mark Sparrow

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     Name: Mark Sparrow
     Title: Director

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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NCB CAPITAL CORPORATION

 

 

 

By: /s/ Mark Hiltz

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     Name: Mark Hiltz
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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COOPERATIEVE CENTRALE RAIFFEISEN-
BOERENLEENBANK B.A. "RABOBANK
NEDERLAND," NEW YORK BRANCH

 

 

 

By: /s/ Ivan Rodriguez

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     Name: Ivan Rodriguez
     Title: Vice President

 

 

 

By: /s/ Ian Reece

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     Name: Ian Reece
     Title: Managing Director

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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BANK ONE, MICHIGAN

 

 

 

By:

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     Name:
     Title:

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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MASSACHUSETTS MUTUAL LIFE
INSURANCE COMPANY
By: David L. Babson & Company Inc. as
Investment Adviser

 

 

 

By: /s/ Mary Ann McCarthy

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     Name: Mary Ann McCarthy
     Title: Managing Director

 

 

 

SAAR HOLDINGS CDO, LIMITED
By: David L. Babson & Company Inc. under
delegated authority from Massachusetts Mutual Life
Insurance Company as Collateral Manager

 

 

 

By: /s/ Mary Ann McCarthy

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     Name: Mary Ann McCarthy
     Title: Managing Director

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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SUNAMERICA

 

 

 

By:

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     Name:
     Title:

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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OLYMPIC FUNDING TRUST, SERIES 1999-1

 

 

 

By: /s/ Diana L. Mushill

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     Name: Diana L. Mushill
     Title: Authorized Agent

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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FIFTH THIRD BANK (WESTERN
MICHIGAN)

 

 

 

By: /s/ David A. Foote

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     Name: David A. Foote
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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FLEET NATIONAL BANK (f/k/a Summit Bank)

 

 

 

By: /s/ Richard E. Lynch

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     Name: Richard E. Lynch
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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THE CIT GROUP/EQUIPMENT FINANCING,
INC.

 

 

 

By: /s/ Katie J. Saunders

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     Name: Katie J. Saunders
     Title: Senior Credit Analyst

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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FRANKLIN CLO II, LTD

 

 

 

By: /s/ Richard D'Addario

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     Name: Richard D'Addario
     Title: Senior Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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MUIRFIELD TRADING LLC

 

 

 

By: /s Diana L. Mushill

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     Name: Diana L. Mushill
     Title: Asst. Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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HELLER FINANCIAL LEASING INC.

 

 

 

By: /s/ Ronald E. Les

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     Name: Ronald E. Les
     Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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TCF NATIONAL BANK

 

 

 

By: /s/ Michael Klemz

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     Name: Michael Klemz
     Title: Executive Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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AIMCO CDO, SERIES 2000-A

 

 

 

By: /s/ Chris Goergen

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     Name: Chris Goergen
     Title: Authorized Signatory

 

 

 

By: /s/ Jerry D. Zinkula

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     Name: Jerry D. Zinkula
     Title: Authorized Signatory

 

 

 

ALLSTATE LIFE INSURANCE COMPANY

 

 

 

By: /s/ Chris Goergen

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     Name: Chris Goergen
     Title: Authorized Signatory

 

 

 

By: /s/ Jerry D. Zinkula

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     Name: Jerry D. Zinkula
     Title: Authorized Signatory

 

 

 

AIMCO CLO, SERIES 2001-A

 

 

 

By: /s/ Chris Goergen

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     Name: Chris Goergen
     Title: Authorized Signatory

 

 

 

By: /s/ Jerry D. Zinkula

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     Name: Jerry D. Zinkula
     Title: Authorized Signatory

 

 

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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SEQUILS-CUMBERLAND I, LTD.
By: Deerfield Capital Management, L.L.C., as
its
   Collateral Manager

 

 

 

By: /s/ Matt Stouffer

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Name: Matt Stouffer
Title: Vice President

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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RCG CARPATHIA MASTER FUND

 

 

 

By: /s/ Howard J. Golden

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     Name: Howard J. Golden
     Title: Managing Director

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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KZH RIVERSIDE LLC

 

 

 

By: /s/ Dorian Herrera

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     Name: Dorian Herrera
     Title: Authorized Agent

Signature Page to
Waiver and Amendment No. 1
Spartan Stores, Inc.

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