| TABLE OF CONTENTS                                                  |
|--------------------------------------------------------------------|
| Section                                                            |   | Page |
| Article I. DEFINITIONS AND ACCOUNTING TERMS                        |   |
| 1.01                                                               | Defined Terms | 1 |
| 1.02                                                               | Other Interpretive Provisions | 45 |
| 1.03                                                               | Accounting Terms. | 45 |
| 1.04                                                               | Rounding | 46 |
| 1.05                                                               | Times of Day | 46 |
| 1.06                                                               | Letter of Credit Amounts | 46 |
| Article II. the REvolving CREDIT COMMITMENTS and Credit Extensions | 46 |
| 2.01                                                               | Revolving Credit Loans; Reserves | 46 |
| 2.02                                                               | Reserved. | 47 |
| 2.03                                                               | Borrowings, Conversions and Continuations of Loans. | 47 |
| 2.04                                                               | Letters of Credit. | 49 |
| 2.05                                                               | Swing Line Loans. | 58 |
| 2.06                                                               | Prepayments. | 61 |
| 2.07                                                               | Termination or Reduction of Revolving Credit Commitments. | 62 |
| 2.08                                                               | Repayment of Loans. | 63 |
| 2.09                                                               | Interest. | 63 |
| 2.1                                                                | Fees | 63 |
| 2.11                                                               | Computation of Interest and Fees. | 64 |
| 2.12                                                               | Evidence of Debt. | 64 |
| 2.13                                                               | Payments Generally. | 65 |
| 2.14                                                               | Sharing of Payments by Lenders. | 66 |
| 2.15                                                               | Settlement Amongst Lenders | 67 |
| 2.16                                                               | Increase in Revolving Credit Commitments. | 68 |
| Article III. TAXES, YIELD PROTECTION AND ILLEGALITY                | 69 |
| 3.01                                                               | Taxes. | 69 |
| 3.02                                                               | Illegality | 71 |
| 3.03                                                               | Inability to Determine Rates | 72 |
| 3.04                                                               | Increased Costs; Reserves on LIBO Rate Loans. | 72 |
| 3.05                                                               | Compensation for Losses | 74 |
| 3.06                                                               | Mitigation Obligations; Replacement of Lenders. | 74 |
| 3.07                                                               | Survival | 75 |
| Article IV. CONDITIONS PRECEDENT TO CREDIT EXTENSIONS              | 75 |
| 4.01                                                               | Conditions of Initial Credit Extension | 75 |
| 4.02                                                               | Conditions to all Credit Extensions | 78 |
| Article V. REPRESENTATIONS AND WARRANTIES                          | 79 |
| 5.01                                                               | Existence, Qualification and Power | 79 |
| 5.02                                                               | Authorization; No Contravention | 79 |
| 5.03                                                               | Governmental Authorization; Other Consents | 79 |
| 5.04                                                               | Binding Effect | 80 |
| 5.05                                                               | Financial Statements; No Material Adverse Effect. | 80 |
| 5.06                                                               | Litigation | 80 |
| 5.07                                                               | No Default | 80 |
| 5.08                                                               | Ownership of Property; Liens. | 81 |
| 5.09                                                               | Environmental Compliance | 81 |
| 5.1                                                                | Insurance | 82 |
| 5.11                                                               | Taxes | 82 |
| 5.12                                                               | ERISA Compliance. | 82 |
| 5.13                                                               | Subsidiaries; Equity Interests | 83 |
| 5.14                                                               | Margin Regulations; Investment Company Act. | 83 |
| 5.15                                                               | Disclosure | 84 |
| 5.16                                                               | Compliance with Laws | 84 |
| 5.17                                                               | Intellectual Property; Licenses, Etc. | 84 |
| 5.18                                                               | Labor Matters | 84 |
| 5.19                                                               | Security Documents | 85 |
| 5.2                                                                | Solvency | 85 |
| 5.21                                                               | Deposit Accounts; Credit Card Arrangements. | 85 |
| 5.22                                                               | Brokers. | 85 |
| 5.23                                                               | Customer and Trade Relations. | 86 |
| 5.24                                                               | Material Contracts. | 86 |
| 5.25                                                               | Casualty. | 86 |
| Article VI. AFFIRMATIVE COVENANTS                                  | 86 |
| 6.01                                                               | Financial Statements | 86 |
| 6.02                                                               | Certificates; Other Information | 87 |
| 6.03                                                               | Notices | 89 |
| 6.04                                                               | Payment of Obligations. | 90 |
| 6.05                                                               | Preservation of Existence, Etc. | 91 |
| 6.06                                                               | Maintenance of Properties | 91 |
| 6.07                                                               | Maintenance of Insurance | 91 |
| 6.08                                                               | Compliance with Laws | 92 |
| 6.09                                                               | Books and Records; Accountants. | 92 |
| 6.1                                                                | Inspection Rights. | 93 |
| 6.11                                                               | Use of Proceeds. | 93 |
| 6.12                                                               | Additional Loan Parties. | 93 |
| 6.13                                                               | Cash Management. | 94 |
| 6.14                                                               | Information Regarding the Collateral. | 95 |
| 6.15                                                               | Physical Inventories. | 96 |
| 6.16                                                               | Environmental Laws. | 97 |
| 6.17                                                               | Further Assurances. | 97 |
| 6.18                                                               | Compliance with Terms of Leaseholds. | 97 |
| 6.19                                                               | Material Contracts. | 98 |
| Article VII. NEGATIVE COVENANTS                                    | 98 |
| 7.01                                                               | Liens | 98 |
| 7.02                                                               | Investments | 98 |
| 7.03                                                               | Indebtedness. | 98 |
| 7.04                                                               | Fundamental Changes | 99 |
| 7.05                                                               | Dispositions. | 99 |
| 7.06                                                               | Restricted Payments. | 99 |
| 7.07                                                               | Prepayments of Indebtedness. | 100 |
| 7.08                                                               | Change in Nature of Business. | 100 |
| 7.09                                                               | Transactions with Affiliates | 100 |
| 7.1                                                                | Burdensome Agreements | 100 |
| 7.11                                                               | Use of Proceeds | 100 |
| 7.12                                                               | Amendment of Material Documents. | 101 |
| 7.13                                                               | Corporate Name; Fiscal Year. | 101 |
| 7.14                                                               | Deposit Accounts; Credit Card Processors. | 101 |
| 7.15                                                               | Excess Availability. | 101 |
| 7.16                                                               | Store Openings or Closings. | 101 |
| Article VIII. EVENTS OF DEFAULT AND REMEDIES                       |   | 102 |
| 8.01                                                               | Events of Default | 102 |
| 8.02                                                               | Remedies Upon Event of Default | 105 |
| 8.03                                                               | Application of Funds | 105 |
| Article IX. ADMINISTRATIVE AGENT                                   | 107 |
| 9.01                                                               | Appointment and Authority. | 107 |
| 9.02                                                               | Rights as a Lender | 107 |
| 9.03                                                               | Exculpatory Provisions | 108 |
| 9.04                                                               | Reliance by Agents. | 109 |
| 9.05                                                               | Delegation of Duties | 109 |
| 9.06                                                               | Resignation of Agents | 109 |
| 9.07                                                               | Non-Reliance on Administrative Agent and Other Lenders | 110 |
| 9.08                                                               | No Other Duties, Etc. | 110 |
| 9.09                                                               | Administrative Agent May File Proofs of Claim | 111 |
| 9.1                                                                | Collateral and Guaranty Matters | 111 |
| 9.11                                                               | Notice of Transfer | 112 |
| 9.12                                                               | Reports and Financial Statements | 112 |
| 9.13                                                               | Agency for Perfection. | 113 |
| 9.14                                                               | Indemnification of Agents | 113 |
| 9.15                                                               | Relation among Lenders. | 113 |
| Article X. MISCELLANEOUS                                           | 113 |
| 10.01                                                              | Amendments, Etc. | 113 |
| 10.02                                                              | Notices; Effectiveness; Electronic Communications. | 115 |
| 10.03                                                              | No Waiver; Cumulative Remedies | 117 |
| 10.04                                                              | Expenses; Indemnity; Damage Waiver. | 117 |
| 10.05                                                              | Payments Set Aside | 119 |
| 10.06                                                              | Successors and Assigns. | 119 |
| 10.07                                                              | Treatment of Certain Information; Confidentiality | 123 |
| 10.08                                                              | Right of Setoff | 124 |
| 10.09                                                              | Interest Rate Limitation | 124 |
| 10.1                                                               | Counterparts; Integration; Effectiveness | 124 |
| 10.11                                                              | Survival | 125 |
| 10.12                                                              | Severability | 125 |
| 10.13                                                              | Replacement of Lenders | 125 |
| 10.14                                                              | Governing Law; Jurisdiction; Etc. | 126 |
| 10.15                                                              | Waiver of Jury Trial | 127 |
| 10.16                                                              | No Advisory or Fiduciary Responsibility. | 127 |
| 10.17                                                              | USA PATRIOT Act Notice | 128 |
| 10.18                                                              | Time of the Essence | 128 |
| 10.19                                                              | Press Releases | 128 |
| 10.2                                                               | Additional Waivers. | 129 |
| 10.21                                                              | No Strict Construction | 129 |
| 10.22                                                              | Attachments | 129 |
| 10.23                                                              | Amendment and Restatement | 129 |
| SIGNATURES                                                         | S - 1 |

2.01

5.05

5.13

7.01

7.03

10.02

2.16(c)

| Level | Average Daily Uncapped Excess Availability                     | LIBOR Margin for Revolving Loans | Base Rate Margin for Revolving Loans | Commercial Letter of Credit Fee | Standby Letter of Credit Fee |
|-------|----------------------------------------------------------------|----------------------------------|--------------------------------------|---------------------------------|------------------------------|
| I     | Equal to or greater than $80,000,000                           | 3.25%                            | 2.25%                                | 2.75%                           | 3.25%                        |
| II    | Equal to or greater than $40,000,000 but less than $80,000,000 | 3.5%                             | 2.5%                                 | 3.0%                            | 3.5%                         |
| III   |  Less than $40,000,000                                    | 3.75%                            | 2.75%                                | 3.25%                           | 3.75%                        |

8.02

10.06(b)

2.07
8.02

6.13(a)(iii)

6.13(a)(iii)

6.02

6.02(c)

2.04(g)

4.01
10.01

6.13(b)

6.13(a)(ii)

6.13(a)(i)

5.10

8.01
10.03

10.13
3.01(e)
3.01(a)

2.04

6.12

2.16(d)

10.04(b)

10.07

1.06

2.04(i)

II

2.12(a)

10.09

10.01

10.06(d)

7.16

7.16
2.06

2.06

6.04

6.04

7.01

7.03

2.06

6.12

2.04
2.07

6.02

10.06(c)

9.12(a)

8.02

2.01

2.01

2.01

2.03

2.15(a)

2.05

2.05

2.05(a)

2.05(b)

VII

2.04(c)(i)

2.01
2.06
2.01

2.03
2.03

2.03(b)
2.04(c)
2.05(c)

2.03(b)
4.02
4.01

2.06(b)
2.03(d)

2.06(b)
2.04

2.04
2.04(b)

2.04(c)

IX
IX

| (b)   | Procedures for Issuance and Amendment of Letters of Credit. Auto-Extension Letters of Credit. |
|-----------------|-----------------------------------------------------------------------------------------------|

IV

2.04(a)
4.02

2.03
4.02
2.04(c)(i)

2.04(c)(i)
2.04(c)(iii)

4.02
2.04(c)(ii)
2.04

2.04(c)

2.04(c)
2.04(c)
4.02

2.04(c)
2.04(c)(ii)

2.04(c)

2.04(c)(i)
10.05

2.04(e)

2.06
8.02(c)
2.04
2.06
8.02(c)

1.06

2.05
2.05
2.06
2.05

2.05(a)
IV

2.03
2.05(c)(ii)

2.05(c)(i)
2.05(c)(i)

2.05(c)
2.05(c)(i)

2.05(c)
2.05(c)
4.02

10.05

2.05

3.05

2.06(c)

6.13

2.06

2.07

2.09(b)

2.04

IV

2.13(a)

2.12(a)

2.03
2.03

II
IV
4.02

10.04(c)
10.04(c)
10.04(c)

8.03
8.03

V
2.16
5.05
6.01
3.05

2.14
10.01

10.13

3.04
3.01
3.02
3.01
3.04
3.02

3.04
3.01
10.13

III

6.13

9.04
4.01

V
5.05
6.01

6.01
6.02
6.03

6.01(c)

6.01(a)

6.01(a)

6.01
6.02

6.01(a)
(b)
6.02(d)
10.02

10.07

6.03(a)

7.04
7.05

6.07(b)

6.07
6.07

6.10

6.12
6.12

6.13

6.17
6.17(b)
6.17(b)

7.03

6.13
6.13

6.01
6.02
6.03
6.05
6.07
6.10
6.11
6.12
6.13
6.14
VII

8.02
8.02

III

III

2.04(c)

9.05
10.04(c)

10.01
8.02

IV

10.04

9.12

2.04(i)
2.04(j)
2.10
10.04

2.10
10.04

10.01

9.10
9.10
9.10

10.06

10.07

8.02

10.01

10.13

10.02

II

2.13(d)

10.06(b)
10.06(d)
10.06(f)

10.06(b)

3.01
3.04
3.05
10.04
10.06(d)

10.07

10.01
3.01
3.04
3.05
10.06(b)
10.08
2.14

3.01
3.04
3.01
3.01(e)

2.04(c)
2.05(c)

3.01
3.04
3.05
10.04

3.04
3.01
10.06

10.06(b)

3.05

3.04
3.01

10.02