<PAGE>   1
                                                                      EXHIBIT 10



                                 SIXTH AMENDMENT

         This SIXTH AMENDMENT (the "Amendment") dated March 16, 1999 is entered
into by and among QUORUM HEALTH GROUP, INC., a corporation organized under the
laws of Delaware (the "Borrower"), the LENDERS referred to in the Credit
Agreement (the "Lenders") and FIRST UNION NATIONAL BANK (f/k/a First Union
National Bank of North Carolina) as Agent for the Lenders (hereinafter defined
the "Agent").

                              STATEMENT OF PURPOSE

         The Borrower, the Lenders and the Agent are parties to that certain
Credit Agreement dated as of April 22, 1997 (such agreement, as previously
amended, and as further amended from time to time, herein referred to as the
"Credit Agreement") pursuant to which the Lenders have agreed to extend certain
credit facilities to the Borrower. Capitalized terms used in this Amendment not
otherwise defined herein have the respective meanings attributed to such terms
in the Credit Agreement.

         Pursuant to the Credit Agreement, the Lenders have made Extensions of
Credit to the Borrower. In consideration of making further Extensions of Credit
under the Credit Agreement, and as a condition thereof, the Lenders have
requested that the Borrower and certain of its Subsidiaries pledge to the Agent,
for the ratable benefit of itself and the Lenders, certain shares of capital
stock, partnership interests and limited liability company and other ownership
interests owned by the Borrower and such Subsidiaries. The Borrower and such
Subsidiaries have agreed to such pledges pursuant to the terms hereof.

         Additionally the Borrower has requested that the Lenders amend the
Credit Agreement as more fully described below. Subject to the terms and
conditions set forth below, and in consideration for the pledges referred to
above, the Lenders are willing to agree to the requested amendments.

         NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged by the parties hereto, the Borrower,
each of the Lenders and the Agent agree as follows:

         1.       AMENDMENTS TO ARTICLE I.

                  (a) Section 1.1 is hereby amended by deleting the following
         defined terms and substituting the corresponding new defined term
         therefore:

                  "Base Rate Loan" means any Loan bearing interest at a rate
         based upon the Base Rate as provided in Section 4.1(a).

                  "LIBOR Rate Loan" means any Loan bearing interest at a rate
         based upon the LIBOR Rate as provided in Section 4.1(a).



<PAGE>   2



                  "Loan Documents" means, collectively, this Agreement, the
         Notes, the Guaranty, the Pledge Agreements, and any Hedging Agreements
         executed by any Lender, the Applications and each other document,
         instrument and agreement executed and delivered in connection with this
         Agreement or otherwise referred to herein or contemplated hereby, all
         as may be amended, restated or otherwise modified.

                  "Subordinated Debt" means the collective reference to Debt on
         Schedule 6.1(t) hereof designated as Subordinated Debt (including,
         without limitation, the 1995 Senior Subordinated Notes) and any other
         Debt of the Borrower or any Subsidiary subordinated in right and time
         of payment to the Obligations on terms and conditions (including such
         subordination terms) satisfactory to the Required Lenders and approved
         in writing by the Agent; provided that, for purposes of this
         definition, any Subordinated Debt that (a) does not have scheduled
         principal payments or a maturity date prior to the date which is
         eighteen (18) months after the Termination Date of this Agreement, (b)
         does not contain restrictive covenants or other terms more restrictive
         than those contained in this Agreement and (c) contains subordination
         provisions no less favorable to the holders of the Borrower's Senior
         Debt than the subordination provisions contained in the Borrower's 1995
         Senior Subordinated Notes, shall be deemed satisfactory to the Required
         Lenders and approved by the Agent.

                  (b) Section 1.1 is hereby amended by inserting the following
         new defined term in correct alphabetical order therein:

                  "Applicable Margin" shall have the meaning assigned thereto in
         Section 4.1(c).

                  "Collateral" means any assets purported to be pledged by any
         Loan Party or Subsidiary thereof, whether pursuant to any Pledge
         Agreement or otherwise, to the Lenders or the Agent for the ratable
         benefit of the Agent and the Lenders in order to secure the Obligations
         or any portion thereof. Any reference to the term "collateral"
         contained in the Credit Agreement (other than those references
         contained in Sections 2.7(b), 4.5, 6.1(e) and 11.2(b)) as of the
         effective date of the Sixth Amendment is hereby replaced with the term
         "Collateral".

                  "Pledge Agreements" means the collective reference to the
         Pledge Agreements executed in connection with the Sixth Amendment by
         the Borrower or any Subsidiary thereof in favor of the Agent for the
         ratable benefit of the Agent and the other Lenders, substantially in
         the form of Exhibit A attached to the Sixth Amendment as amended,
         restated or otherwise modified; "Pledge Agreement" means any such
         Pledge Agreement.

                  "Pledgors" means the collective reference to each Person
         executing a Pledge Agreement in connection with the Sixth Amendment;
         "Pledgor" means any such Person.

                  "Sixth Amendment" means the Sixth Amendment to the Agreement,
         dated as of March 16, 1999.


                                        2


<PAGE>   3



                  (c) Section 1.1 is hereby amended by deleting the term "LIBOR
         Margin". Any reference to the term "LIBOR Margin" contained in the
         Credit Agreement as of the effective date of the Sixth Amendment is
         hereby replaced with the phrase "Applicable Margin for LIBOR Rate
         Loans".

                  2. AMENDMENTS TO ARTICLE II. Article II is hereby amended by
         inserting the following new Section 2.11 in correct order therein:

                  "SECTION 2.11 Security. The Obligations of the Borrower and
         each of the Guarantors under this Agreement shall be secured by the
         Collateral described in the Pledge Agreements."

         3.       AMENDMENTS TO ARTICLE IV.

         (a) Section 4.1(a) is hereby deleted and the following new Section
4.1(a) is hereby substituted in lieu thereof:

                  (a) Interest Rate Options. Subject to the provisions of this
         Section 4.1, at the election of the Borrower in accordance with Article
         II, the unpaid principal balance of (i) any Revolving Credit Loan shall
         bear interest at (A) the Base Rate plus the Applicable Margin as set
         forth below or (B) the LIBOR Rate plus the Applicable Margin as set
         forth below, (ii) any Competitive Bid Loan shall bear interest at the
         applicable Competitive Bid Rate established pursuant to Section 2.4 and
         (iii) any Swingline Loan shall bear interest at the Swingline Rate. Any
         Revolving Credit Loan as to which the Borrower has not duly specified
         an interest rate as provided herein shall be deemed a Base Rate Loan."

                  (b) Section 4.1(c) is hereby deleted and the following new
         Section 4.1(c) is hereby substituted in lieu thereof:

                  (c) Applicable Margin. The Applicable Margin provided for in
         Section 4.1(a) with respect to the Loans (the "Applicable Margin")
         shall (i) from the effective date of the Sixth Amendment until the
         delivery of the applicable Margin Certificate and related financial
         statements for the fiscal quarter ending on March 31, 1999 equal 0.250%
         for Base Rate Loans and 1.150% for LIBOR Rate Loans, and (ii) for each
         fiscal quarter thereafter be determined by reference to the Total
         Leverage Ratio as of the end of the fiscal quarter immediately
         preceding the delivery of the applicable Margin Certificate as follows:



                                        3


<PAGE>   4

<TABLE>
<CAPTION>
         Applicable Margin for
         Total Leverage Ratio                             Base Rate Loans          LIBOR Rate Loans
         --------------------                             ---------------          ----------------

<S>                                                       <C>                      <C>
         greater than or equal to 4.00 to 1.00                0.750%                    1.550%

         less than 4.00 to 1.00 but greater
         than or equal to 3.50 to 1.00                        0.250%                    1.150%

         less than 3.50 to 1.00 but greater
         than or equal to 3.00 to 1.00                        0.000%                    0.950%

         less than 3.00 to 1.00 but greater
         than or equal to 2.50 to 1.00                        0.000%                    0.750%

         less than 2.50 to 1.00 but greater
         than or equal to 2.00 to 1.00                        0.000%                    0.650%

         less than 2.00                                       0.000%                    0.550%
</TABLE>

         Adjustments, if any, in the Applicable Margin shall be made by the
         Administrative Agent on the fifth (5th) Business Day after receipt by
         the Agent of quarterly financial statements for the Borrower and its
         Subsidiaries and the accompanying Officer's Compliance Certificate
         setting forth the Total Leverage Ratio of the Borrower and its
         Consolidated Entities as of the most recent fiscal quarter end. Subject
         to Section 4.1(d), in the event the Borrower fails to deliver such
         financial statements and certificate within the time required by
         Section 7.1(c), the Applicable Margin shall be the highest Applicable
         Margin set forth above until five (5) Business Days after receipt by
         the Agent of such financial statements and certificate."

                  (c) Section 4.3(a) is hereby amended by deleting (i) the last
         sentence of such Section and (ii) the pricing grid contained therein,
         and substituting the following in lieu thereof:

                  "The Facility Fee Rate, from the effective date of the Sixth
         Amendment until the receipt of the initial Margin Certificate and
         related financial statements for the fiscal quarter ending on March 31,
         1999, shall be 0.350% and thereafter shall be determined by reference
         to the Total Leverage Ratio of the Borrower and its Consolidated
         Entities set forth in the most recently delivered Margin Certificate as
         follows:

<TABLE>
<CAPTION>
                  Total Leverage Ratio                                         Facility Fee Rate (%)
                  --------------------                                         ---------------------
<S>                                                                            <C> 
                  greater than or equal to 4.00 to 1.00                                 0.450%

                  less than 4.00 to 1.00 but greater
                  than or equal to 3.50 to 1.00                                         0.350%

                  less than 3.50 to 1.00 but greater
                  than or equal to 3.00 to 1.00                                         0.300%

                  less than 3.00 to 1.00 but greater
                  than or equal to 2.50 to 1.00                                         0.250%

                  less than 2.50 to 1.00 but greater
                  than or equal to 2.00 to 1.00                                         0.225%

                  less than 2.00                                                        0.200%"
</TABLE>


                                        4


<PAGE>   5


         4. AMENDMENTS TO ARTICLE VI. From and after the effective date of the
Sixth Amendment, the copies of Schedule 6.1(a) and Schedule 6.1(b) delivered in
connection with the closing of the Sixth Amendment shall be deemed substituted
for the copies of such Schedules delivered on the Closing Date.

         5. AMENDMENTS TO ARTICLE VIII. Article VIII is hereby amended by
deleting Section 8.11 and the following new Section 8.11 is substituted in lieu
thereof:

         SECTION 8.11 Wholly-Owned Entities. Within thirty (30) days after the
creation or acquisition of any Wholly-Owned Entity (a) cause it to execute and
deliver to the Agent a supplement to the Guaranty Agreement delivered on the
Closing Date substantially in the form of Exhibit A to such Guaranty Agreement,
(b) a supplement substantially in the form attached as Exhibit A to the Pledge
Agreement, or if applicable, a separate Pledge agreement substantially in the
form of the Pledge Agreement executed by the parent of such new Subsidiary and
(c) cause to be delivered to the Agent such other documents as the Agent or
Required Lenders shall reasonably request in connection therewith, including
without limitation, officers' certificates, financial statements, opinions of
counsel, resolutions, charter documents, certificates of existence and authority
to do business and any other closing certificates and documents described in
Section 5.2.

         6. Amendments to Article IX.

         (a) Section 9.1 is hereby deleted and the following new Section 9.1 is
substituted in lieu thereof:

         "Total Leverage Ratio. As of any fiscal quarter end, permit the ratio
of (i) Total Debt as of such date to (ii) EBITDA for the period of four (4)
consecutive fiscal quarters ending on such date (the "Total Leverage Ratio"), to
exceed 4.00 to 1.00; provided that, upon issuance by the Borrower, of new
Subordinated Debt in an aggregate principal amount of at least $150,000,000
after the date of the Sixth Amendment, the Total Leverage Ratio shall not exceed
4.50 to 1.00 as of any fiscal quarter end."

         (b) Section 9.2 is hereby amended by deleting the phrase
"[Intentionally Omitted]" and inserting the following in lieu thereof:

         "Senior Leverage Ratio. As of any fiscal quarter end during any period
set forth below, permit the ratio of (i) Senior Debt as of such date to (ii)
EBITDA, for the period of four (4) consecutive fiscal quarters ending on such
date, to exceed the corresponding ratio set forth below:

<TABLE>
<CAPTION>
                           Period                                  Ratio
                           ------                                  -----
<S>                                                           <C> 
                  Sixth Amendment effective                   4.00 to 1.00
                  date through June 30, 2000

                  Thereafter                                  3.75 to 1.00
</TABLE>


                                        5


<PAGE>   6


         (c) Section 9.5 is hereby deleted and the following new Section 9.5
substituted in lieu thereof:

         "Consolidated Net Worth. As of any fiscal quarter end, permit
Consolidated Net Worth to be less than the sum of (a) $500,000,000 plus (b) 80%
of cumulative positive Consolidated Net Income (calculated without excluding any
non-cash losses) after the Closing Date plus (c) 90% of the proceeds from any
equity offerings (net of offering and professional fees and expenses) and any
other capital contributions since the Closing Date less (d) the amount of any
stock repurchases or redemptions permitted pursuant to Section 10.7(e); provided
that in no event shall Consolidated Net Worth to be less than $500,000,000."

         7. AMENDMENT FEE. In consideration of the amendments set forth herein,
the Borrower agrees to pay to the Agent, for the ratable benefit of the Lenders,
an amendment fee of 15 basis points on the Aggregate Commitment.

         8. Conditions. The effectiveness of this Amendment shall be conditioned
upon receipt by the Agent of:

         (a) a copy of (i) this Amendment duly executed by the Agent, the
Borrower and the Required Lenders and (ii) updated copies of Schedule 6.1(a) and
Schedule 6.1(b);

         (b) payment of the Amendment Fee; and

         (c) contemporaneous consent to this Amendment by the lenders under the
Quorum ELLF Credit Agreement and the execution and delivery of all requisite
amendments thereto.

         9. Conditions Subsequent. The following items shall be delivered by the
Borrower to the Agent by March 31, 1999; provided that if such items are not
delivered, then such non-delivery shall constitute an immediate Event of Default
under the Credit Agreement:

                  (a) a copy of each Pledge Agreement pledging the capital
         stock, limited liability company ownership interests, partnership
         interests and other equity interests in each entity identified on
         Schedule 1 hereto, the First Union National Bank, as collateral agent
         and each issuer of any capital stock pledged thereunder;

                  (b) a certificate of the secretary or assistant secretary of
         the Borrower and each other Pledgor certifying that attached thereto is
         a true and complete copy of the articles of incorporation of such
         Borrower or such Pledgor, as applicable, and all amendments thereto,
         certified as of a recent date by the appropriate Governmental Authority
         in its jurisdiction of incorporation; that attached thereto is a true
         and complete copy of the bylaws of the 





                                       6
<PAGE>   7

         Borrower or such Pledgor, as applicable, as in effect on the date of
         such certification; that attached thereto is a true and complete copy
         of resolutions duly adopted by the Board of Directors of the Borrower
         or such Pledgor, as applicable, authorizing the transactions
         contemplated hereunder and the execution, delivery and performance of
         this Amendment, the Pledge Agreements and the other Loan Documents to
         which it is a party; and as to the incumbency and genuineness of the
         signature of each officer of the Borrower or such Pledgor executing the
         Amendment, any Pledge Agreement or any other Loan Documents to which it
         is a party;

                  (c) certificates as of a recent date of the good standing of
         the Borrower and each Pledgor under the laws of its jurisdiction of
         organization or formation;

                  (d) a favorable opinion of counsel to the Borrower addressed
         to the Agent and the Lenders in form and substance reasonably
         satisfactory to the Administrative Agent;

                  (e) original stock certificates evidencing the capital stock
         pledged pursuant to the Pledge Agreements, together with an undated
         stock for each certificate duly executed in blank by the registered
         owner thereof;

                  (f) all necessary approvals, authorizations and consents, if
         any be required, of any Person and of all Governmental Authorities and
         courts having jurisdiction with respect to the transactions
         contemplated by the Pledge Agreements.

                  10. Bringdown; References to Credit Agreement. The Borrower
         hereby represents and warrants that immediately prior to giving effect
         to this Amendment and upon and after the effectiveness hereof (a) the
         representations and warranties contained in Article VI of the Credit
         Agreement are true and correct in all material respects as of the date
         hereof (except and to the extent that such representations and
         warranties relate to an earlier date, in which case such
         representations and warranties shall be true and correct as of such
         earlier date) and (b) no Default or Event of Default has occurred and
         is continuing as of the date hereof. All references in the Loan
         Documents to "Credit Agreement" shall refer to the Credit Agreement as
         amended by this Amendment and as the Credit Agreement may be further
         amended from time to time.

                  11. Miscellaneous. Except as amended hereto, the Credit
         Agreement shall remain in full force and effect in accordance with its
         terms. This Amendment may be executed in one or more counterparts each
         of which shall be deemed to be an original and all of which, when taken
         together, shall constitute one and the same instrument and no single
         counterpart of this Amendment need be executed by all the parties
         hereto. The covenants and agreements contained in this Amendment shall
         apply to and inure to the benefit of and be binding upon the parties
         hereto and their respective successors and assigns. This Amendment
         shall be governed by the laws of the State of North Carolina.

                            [Signature Pages Follow]



                                        7


<PAGE>   8



         IN WITNESS WHEREOF, the Borrower, the Lenders and the Agent have
executed this Amendment to Credit Agreement as of the date first above written.

                                        QUORUM HEALTH GROUP, INC.



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



                           [Signature Pages Continue]








                                       8
<PAGE>   9



                                        FIRST UNION NATIONAL BANK



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




                           [Signature Pages Continue]





                                       9
<PAGE>   10




                                        TORONTO DOMINION (TEXAS), INC.



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



                           [Signature Pages Continue]





                                       10
<PAGE>   11




                                        SCOTIABANC INC.



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




                           [Signature Pages Continue]






                                       11
<PAGE>   12



                                        AMSOUTH BANK



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






                           [Signature Pages Continue]




                                       12
<PAGE>   13





                                        CITICORP USA, INC.



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






                           [Signature Pages Continue]





                                       13
<PAGE>   14



                                        SUNTRUST BANK, NASHVILLE, N.A.



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






                           [Signature Pages Continue]




                                       14
<PAGE>   15



                                        NATIONSBANK, N.A.



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






                           [Signature Pages Continue]






                                       15


<PAGE>   16




                                        MELLON BANK, N.A.



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






                           [Signature Pages Continue]




                                       16


<PAGE>   17




                                        BANK OF AMERICA NATIONAL TRUST
                                        AND SAVINGS ASSOCIATION



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






                           [Signature Pages Continue]




                                       17


<PAGE>   18




                                        FLEET NATIONAL BANK, N.A.



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






                           [Signature Pages Continue]




                                       18


<PAGE>   19




                                        ABN AMRO BANK N.V.



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



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






                           [Signature Pages Continue]




                                       19


<PAGE>   20



                                        COOPERATIEVE CENTRALE RAIFFEISEN
                                        BOERENLEENBANK B.A.

                                        "RABOBANK NEDERLAND,"
                                        NEW YORK BRANCH



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



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






                           [Signature Pages Continue]




                                       20


<PAGE>   21




                                        NATIONAL CITY BANK OF KENTUCKY



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






                           [Signature Pages Continue]




                                       21


<PAGE>   22




                                        UNION BANK OF CALIFORNIA, N.A.



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






                           [Signature Pages Continue]




                                       22


<PAGE>   23




                                        PARIBAS



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




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






                           [Signature Pages Continue]



                                       23


<PAGE>   24



                                        LTCB TRUST COMPANY



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






                           [Signature Pages Continue]



                                       24


<PAGE>   25




                                        THE SUMITOMO BANK, LIMITED



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






                           [Signature Pages Continue]




                                       25


<PAGE>   26




                                        CREDIT LYONNAIS



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






                           [Signature Pages Continue]



                                       26


<PAGE>   27




                                        BANK ONE, NA



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






                           [Signature Pages Continue]








                                       27


<PAGE>   28




                                        THE SANWA BANK LIMITED,



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






                           [Signature Pages Continue]



                                       28


<PAGE>   29




                                        FBTC LEASING CORP.



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






                           [Signature Pages Continue]





                                       29


<PAGE>   30



                                        THE SUMITOMO TRUST AND
                                        BANKING CO., LTD.,
                                        NEW YORK BRANCH



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






                           [Signature Pages Continue]




                                       30


<PAGE>   31



                                        KBC BANK N.V.



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






                           [Signature Pages Continue]



                                       31


<PAGE>   32



                                        FIRST TENNESSEE BANK,
                                        NATIONAL ASSOCIATION



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






                           [Signature Pages Continue]




                                       32


<PAGE>   33



                                        FIRST AMERICAN NATIONAL BANK



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






                           [Signature Pages Continue]



                                       33


<PAGE>   34



                                        BANK OF TOKYO - MITSUBISHI
                                        TRUST COMPANY



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



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






                           [Signature Pages Continue]





                                       34


<PAGE>   35



                                        BANK HAPOALIM B.M.



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






                           [Signature Pages Continue]



                                       35


<PAGE>   36


                                        SOUTHTRUST BANK, N.A.



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







                                       36