Document:

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                                                                    EXHIBIT 4.11

                                VCA ANTECH, INC.

                               SECOND AMENDMENT TO

                          CREDIT AND GUARANTY AGREEMENT

        This SECOND AMENDMENT, dated as of November 16, 2001 (this "AMENDMENT"),
to the Credit and Guaranty Agreement, dated as of September 20, 2000 (as amended
through the date hereof, the "CREDIT AGREEMENT"), by and among VICAR OPERATING,
INC., a Delaware corporation ("COMPANY"), VCA ANTECH, INC. a Delaware
corporation (formerly known as Veterinary Centers of America, Inc., "HOLDINGS"),
CERTAIN SUBSIDIARIES OF COMPANY, as Guarantors, the Lenders party thereto from
time to time, GOLDMAN SACHS CREDIT PARTNERS L.P. ("GSCP"), as Sole Lead Arranger
(in such capacity, "LEAD ARRANGER"), and as Sole Syndication Agent (in such
capacity, "SYNDICATION AGENT"), and WELLS FARGO BANK, N.A. ("WELLS FARGO"), as
Administrative Agent (together with its permitted successors in such capacity,
"ADMINISTRATIVE AGENT") and as Collateral Agent (together with its permitted
successor in such capacity, "COLLATERAL AGENT"). Capitalized terms used herein
not otherwise defined herein or otherwise amended hereby shall have the meanings
ascribed thereto in the Credit Agreement.

                                    RECITALS:

        WHEREAS, Company proposes issuing subordinated indebtedness in an
aggregate principal amount of not less than $150,000,000 and consummating an
initial public offering of common stock of Holdings providing aggregate gross
proceeds of not less than $140,000,000; and

        WHEREAS, Holdings and Company have requested that Requisite Lenders
agree to make amendments to certain provisions to the Credit Agreement in order
to effectuate the above transactions.

        NOW, THEREFORE, in consideration of the premises and the agreements,
provisions and covenants herein contained, the parties hereto agree as follows:

SECTION I. AMENDMENTS TO CREDIT AGREEMENT

          A. AMENDMENTS TO SECTION 1: DEFINITIONS.

          (a) Section 1.1 of the Credit Agreement is hereby amended by adding
thereto the following definitions in proper alphabetical order:

          "NEW COMPANY SUBORDINATED NOTE INDENTURE" means an Indenture to be
     entered into between Company and JP Morgan Chase, pursuant to which the New
     Company Subordinated Notes are to be issued in form and substance
     reasonably

<PAGE>

     acceptable to the Agents, as such Indenture may hereafter be amended,
     restated, supplemented or otherwise modified from time to time to the
     extent permitted under Section 6.16.

          "NEW COMPANY SUBORDINATED NOTES" means the subordinated notes due no
     earlier than 2010 in an aggregate principal amount of not less than
     $150,000,000 in form and substance reasonably acceptable to the Agents, as
     such notes may hereafter be amended, restated, supplemented or otherwise
     modified from time to time to the extent permitted under Section 6.16.

          "HOLDINGS IPO" means an initial public offering of common stock of
     Holdings consummated no later than November 30, 2001 and providing gross
     proceeds to Holdings of not less than $140,000,000.

          "IMMATERIAL SUBSIDIARY" for purposes of Section 8.1(f) and Section
     8.1(g), shall mean one or more Subsidiaries of Holdings that, on a
     consolidated basis did not (i) for the most recently concluded Fiscal Year
     account for more than 3.0% of consolidated revenues of Holdings and its
     Subsidiaries and (ii) as of the last day of such Fiscal Year own more than
     3.0% of the consolidated assets of Holdings and its Subsidiaries.

          "SECOND AMENDMENT" means the Second Amendment dated November 16, 2001
     to this Agreement by and among Company, Holdings, Requisite Lenders as of
     the date of such amendment and the Agents.

          "SECOND AMENDMENT CLOSING DATE" has the meaning assigned to that term
     in the Second Amendment.

          (b) Section 1.1 of the Credit Agreement is hereby amended by deleting
each of the definitions of "CHANGE OF CONTROL", "CONSOLIDATED ADJUSTED EBITDA",
"MATERIAL REAL ESTATE ASSET", "PERMITTED ACQUISITION", "PERMITTED
PARTIALLY-OWNED SUBSIDIARY", "PERMITTED SELLER NOTES" and "SENIOR SUBORDINATED
NOTE DOCUMENTS" in their entirety and substituting therefor the following:

          "CHANGE OF CONTROL" means, at any time, (i) (A) prior to the
     consummation of the Holdings IPO, Sponsor, Co-Investors and Management
     Investors shall cease to beneficially own and control at least 51% on a
     fully diluted basis of the voting interests of the Capital Stock of
     Holdings and (B) concurrently with or at any time after the consummation of
     the Holdings IPO, Sponsor, Co-Investors and Management Investors shall
     collectively cease to beneficially own and control at least 35% on a fully
     diluted basis of the voting interests in the Capital Stock of Holdings;
     (ii) any Person or "group" (within the meaning of Rules 13d-3 and 13d-5
     under the Exchange Act) other than Sponsor (a) (I) at any time prior to the
     consummation of the Holdings IPO, shall have acquired beneficial ownership
     of 35% or more on a fully diluted basis of the voting interests in the
     Capital Stock of Holdings and (II) concurrently with or at any time after
     the consummation of the Holdings IPO shall have acquired beneficial
     ownership of a percentage greater than that owned by the Sponsor,
     Co-Investors and Management

                                       2
<PAGE>

     Investors collectively, on a fully diluted basis of the voting interests in
     the Capital Stock of Holdings or (b) at all times, shall have obtained the
     power (whether or not exercised) to elect a majority of the members of the
     board of directors (or similar governing body) of Holdings; (iii) Sponsor
     and Co-Investors shall collectively cease to beneficially own and control
     on a fully diluted basis a percentage of the voting interests in the
     Capital Stock of Holdings greater than any other Person or group (within
     the meaning of Rules 13d-3 and 13d-5 of the Exchange Act); (iv) Holdings
     shall cease to beneficially own and control 100% on a fully diluted basis
     of the Capital Stock of Company; or (v) the majority of the seats (other
     than vacant seats) on the board of directors (or similar governing body) of
     Company cease to be occupied by Persons who either (a) were members of the
     board of directors of Company on the Closing Date or (b) were nominated for
     election by the board of directors of Company, a majority of whom were
     directors on the Closing Date or whose election or nomination for election
     was previously approved by a majority of such directors; or (vi) any
     "change of control" or similar event under the Holdings Senior Note
     Documents or the Senior Subordinated Note Documents shall occur.

          "CONSOLIDATED ADJUSTED EBITDA" means, for any period, an amount
     determined for Company and its Subsidiaries on a consolidated basis equal
     to (i) the sum, without duplication, of the amounts for such period of (a)
     Consolidated Net Income, (b) Consolidated Interest Expense, (c) provisions
     for taxes based on income, (d) total depreciation expense, (e) total
     amortization expense, (f) other non-Cash items reducing Consolidated Net
     Income (excluding any such non-Cash item to the extent that it represents
     an accrual or reserve for potential Cash items in any future period or
     amortization of a prepaid Cash item that was paid in a prior period but,
     notwithstanding anything to the contrary herein, including without
     limitation, reserves for lease expense and other charges and expenses
     related to the closure of hospitals to the extent not paid in cash), (g) to
     the extent deducted in calculating Consolidated Net Income, Transaction
     Costs, (h) payments made under the Management Services Agreement in
     accordance with the provisions of Section 6.5(l) and (i) to the extent
     deducted in calculating Consolidated Net Income, other one-time
     non-recurring charges incurred by Holdings, Company or any of Company's
     Subsidiaries associated with the Holdings IPO and the New Company
     Subordinated Notes, including, without limitation (A) any non-cash charges
     incurred by Holdings and/or Company; provided, that such non-cash charges
     shall not exceed $10,400,000 in the aggregate; (B) a one-time payment to
     Sponsor; provided, that such one-time payment to Sponsor shall not exceed
     $8,000,000; and (C) underwriting discounts and commissions and other
     reasonable costs and expenses associated therewith, including reasonable
     legal fees and expenses, minus (ii) non-Cash items increasing Consolidated
     Net Income for such period (excluding any such non-Cash item to the extent
     it represents the reversal of an accrual or reserve for potential Cash item
     in any prior period); provided that the foregoing shall be subject to the
     adjustments described in Schedule 1.1.

          "MATERIAL REAL ESTATE ASSET" means (i) (a) any fee-owned Real Estate
     Asset having a fair market value in excess of $150,000 as of the date of
     the acquisition thereof and (b) all Leasehold Properties other than those
     with respect to which the aggregate

                                       3
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     payments under the term of the lease are less than $500,000 per annum or
     (ii) any Real Estate Asset that the Requisite Lenders have determined is
     material to the business, operations, properties, assets, condition
     (financial or otherwise) or prospects of Holdings or any Subsidiary
     thereof, including Company.

          "PERMITTED ACQUISITION" means any acquisition by Company or any of its
     Subsidiaries, whether by purchase, merger or otherwise, of all or
     substantially all of the assets of, 51% or more of the Capital Stock of, or
     a business line or unit or a division of, any Person; provided,

               (i) immediately prior to, and after giving effect thereto, no
     Default or Event of Default shall have occurred and be continuing or would
     result therefrom;

               (ii) all transactions in connection therewith shall be
     consummated, in all material respects, in accordance with all applicable
     laws and in conformity with all applicable Governmental Authorizations;

               (iii) in the case of the acquisition of Capital Stock, (i) at
     least 51% of the Capital Stock (except for any such Securities in the
     nature of directors' qualifying shares required pursuant to applicable law)
     acquired or otherwise issued by such Person or any newly formed Subsidiary
     of Company in connection with such acquisition shall be owned by Company or
     a Guarantor Subsidiary thereof, (ii) in the case of acquisitions where
     Company owns more than 51% but less than 100% of such Subsidiary, Company
     shall designate such Subsidiary as a Permitted Partially-Owned Subsidiary,
     and (iii) except in the case of a Permitted Partially-Owned Subsidiary,
     Company shall have taken, or caused to be taken, as of the date such Person
     becomes a Subsidiary of Company, each of the actions set forth in Sections
     5.10 and/or 5.11, as applicable;

               (iv) Any Person or assets so acquired shall be located
     exclusively in the United States;

               (v) Holdings and its Subsidiaries shall be in compliance with the
     financial covenants set forth in Section 6.8 on a pro forma basis after
     giving effect to such acquisition as of the last day of the Fiscal Quarter
     most recently ended (as determined in accordance with Section 6.8(f));

               (vi) Company shall have delivered to Administrative Agent (A) at
     least five Business Days prior to such proposed acquisition, a Compliance
     Certificate evidencing compliance with Section 6.8 as required under clause
     (v) above, together with all relevant financial information with respect to
     such acquired assets, including, without limitation, the aggregate
     consideration for such acquisition and any other information required to
     demonstrate compliance with Section 6.8; provided, however, that Company
     shall not be required to comply with the provisions of this clause (vi)
     with respect to acquisitions unless the consideration of such acquisition
     is greater than $3,000,000; and

                                       4
<PAGE>

               (vii) any Person or assets or division as acquired in accordance
     herewith shall be in a business or lines of business the same as, related,
     complementary or ancillary to, the business or lines of business in which
     Company and/or its Subsidiaries are engaged as of the Closing Date.

          "PERMITTED PARTIALLY-OWNED SUBSIDIARY" means (a) those Subsidiaries of
     Company listed on Schedule 1.2 existing on the Closing Date, and (b) those
     Subsidiaries of Company acquired or created after the Closing Date and
     designated by Company as a Permitted Partially-Owned Subsidiary by written
     notice to the Administrative Agent, provided, that, with respect to
     Permitted Partially-Owned Subsidiaries acquired or created after the
     Closing Date, (i) Company owns at least 51% of the outstanding Capital
     Stock of such Subsidiary, (ii) the remaining Capital Stock of such
     Subsidiary is owned directly or indirectly, by one or more licensed
     veterinarians who are actively involved in the business of such Subsidiary,
     (iii) Company shall use its commercially reasonable efforts to cause such
     Subsidiary to become a Guarantor Subsidiary, (iv) if Company fails to
     obtain a Guaranty from such Subsidiary, then such Subsidiary shall not own
     and lease any Material Real Estate Assets, and (v) Company shall use
     commercially reasonable efforts to cause such veterinarian to pledge his or
     her Capital Stock in such Permitted Partially-Owned Subsidiary in favor of
     the Collateral Agent for the benefit of the Secured Parties; provided,
     further, that (i) at no time shall the total portion of Consolidated
     Adjusted EBITDA contributed by all Subsidiaries constituting Permitted
     Partially-Owned Subsidiaries exceed 15% of Consolidated Adjusted EBITDA and
     (ii) at no time shall the portion of Consolidated Adjusted EBITDA
     contributed by all Permitted Partially-Owned Subsidiaries acquired or
     created after the Closing Date which are not Guarantor Subsidiaries exceed
     10% of Consolidated Adjusted EBITDA.

          "PERMITTED SELLER NOTES" means promissory notes containing
     subordination provisions in substantially the form of, or no less favorable
     to Lenders (in the reasonable judgment of Administrative Agent) than the
     subordination provisions contained in, Exhibit K annexed hereto,
     representing any Indebtedness of Holdings or Company incurred in connection
     with any Permitted Acquisition payable to the seller in connection
     therewith, as such note may be amended, supplemented or otherwise modified
     from time to time to the extent permitted under subsection 6.16; provided
     that, no Permitted Seller Note shall (i) be guarantied by any Subsidiary of
     Holdings or secured by any property of Holdings, Company or any of its
     Subsidiaries, (ii) bear cash interest at a rate greater than 8.5% per
     annum; or, (iii) except in accordance with subsection 6.5, provide for any
     prepayment or repayment of all or any portion of the principal thereof
     prior to the date of the final scheduled installment of principal of the
     Loans; provided, further, that in no event shall the aggregate scheduled
     cash payments of principal and interest on all outstanding Permitted Seller
     Notes exceed $4,000,000 in any Fiscal Year.

          "SENIOR SUBORDINATED NOTE DOCUMENTS" means the Senior Subordinated
     Notes, the Senior Subordinated Note Indenture, the New Company Subordinated
     Notes, the New Company Subordinated Note Indenture, the Company Purchase
     Agreement, the Senior Subordinated Note Registration Rights Agreement, and
     each other document executed in connection with the Senior Subordinated
     Notes, as such document may be amended,

                                       5
<PAGE>

     restated, supplemented or otherwise modified from time to time to the
     extent permitted under Section 6.16.

          B. AMENDMENTS TO SECTION 2: MANDATORY PREPAYMENTS.

          (a) Section 2.13(c) of the Credit Agreement is hereby amended by
adding the following paragraph at the conclusion thereof as follows:

          "Notwithstanding any of the foregoing to the contrary, on the date of
     receipt by Holdings of any Cash proceeds from the Holdings IPO, such Cash
     proceeds (together with additional Cash on hand as of the Second Amendment
     Effective Date) shall be applied, net of underwriting discounts and
     commissions and other reasonable costs and expenses associated therewith,
     including reasonable legal fees and expenses to (i) redeem the Preferred
     Stock (which, together with the redemption set forth in Section 2.13(d)
     shall redeem the Preferred Stock in full) and (ii) prepay a portion of the
     Holdings Senior Notes; provided, that in the event that Holdings or any of
     its Subsidiaries receives gross proceeds from the issuance of the Holdings
     IPO in excess of $140,000,000 (such excess above $140,000,000, the "EXCESS
     IPO PROCEEDS"), Holdings and/or Company, as applicable, shall apply such
     Excess IPO Proceeds to prepay the Holdings Senior Notes, prepay the Loans
     as set forth in Section 2.14(b) and/or prepay the Senior Subordinated Notes
     at Holdings' and/or Company's discretion."

          (b) Section 2.13(d) of the Credit Agreement is hereby amended by
adding the following paragraph at the conclusion thereof as follows:

          "Notwithstanding any of the foregoing to the contrary, on the date of
     receipt by Holdings and any of its Subsidiaries of any Cash proceeds from
     the incurrence by Company of the New Company Subordinated Notes, such Cash
     proceeds shall be applied, net of underwriting discounts and commissions
     and other reasonable costs and expenses associated therewith, including
     reasonable legal fees and expenses to (i) redeem Preferred Stock (which,
     together with the redemption set forth in Section 2.13(c) shall redeem the
     Preferred Stock in full) and (ii) prepay the Loans as set forth in Section
     2.14(b); provided that in any event, the Loans shall be prepaid with the
     proceeds of the New Company Subordinated Notes in an aggregate principal
     amount of not less than $100,000,000; provided, further, that in the event
     that Company receives gross proceeds from the issuance of the New Company
     Subordinated Notes in excess of $150,000,000 (such excess above
     $150,000,000, the "EXCESS NOTE PROCEEDS"), Holdings and/or Company, as
     applicable, shall apply such Excess Note Proceeds to prepay the Holdings
     Senior Notes, prepay the Loans as set forth in Section 2.14(b) and/or
     prepay the Senior Subordinated Notes at Holdings' and/or Company's
     discretion."

          (b) Section 2.14(b) of the Credit Agreement is hereby amended by
adding the following paragraph at the conclusion thereof as follows:

          "Notwithstanding any of the foregoing to the contrary, any Loans
     required to be prepaid pursuant to the receipt by Holdings or any of its
     Subsidiaries of the proceeds

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<PAGE>

     from the Holdings IPO and/or the New Company Subordinated Notes pursuant to
     Sections 2.13(c) and 2.13(d) shall be applied to prepay Term Loans on a pro
     rata basis (in accordance with the respective outstanding principal amounts
     thereof) and shall be further applied on a pro rata basis to the remaining
     scheduled Installments of principal of the Tranche A Term Loans and Tranche
     B Term Loans."

          C. AMENDMENTS TO SECTION 6: NEGATIVE COVENANTS.

          (a) Section 6.1 of the Credit Agreement is hereby amended by deleting
Section 6.1(c) in its entirety and replacing it with the following:

          "(c) (x) (i) Indebtedness incurred by Company with respect to the
     Senior Subordinated Notes and (ii) other Indebtedness incurred to
     refinance, in whole or in part, Indebtedness under the Senior Subordinated
     Notes if the terms and conditions thereof are not less favorable, taken as
     a whole, to the obligor thereon or to the Lenders than the Indebtedness
     being refinanced and the average life to maturity thereof is greater than
     or equal to that of the Indebtedness being refinanced; provided, such
     Indebtedness permitted under the immediately preceding clause (ii) above
     shall (A) not include Indebtedness of an obligor that was not an obligor
     with respect to the Indebtedness being refinanced, (B) not exceed in
     principal amount (or accreted value, in the case of any such refinancing
     Indebtedness issued with a discount) of the Indebtedness (including the
     amount of interest and principal (and premium, if any)) being refinanced
     plus the amount of customary underwriting discounts, financing fees and
     commissions and other reasonable costs and expenses associated with the
     issuance thereof, (C) be subordinated to the Obligations on terms which are
     not less favorable, taken as a whole, to the Lenders than the corresponding
     terms of the Indebtedness being refinanced, and (D) not be incurred,
     created or assumed if any Default or Event of Default has occurred and is
     continuing or would result therefrom; (y) (i) Indebtedness incurred by
     Holdings with respect to the Holdings Senior Notes and (ii) other
     Indebtedness incurred to refinance, in whole or in part, Indebtedness under
     the Holdings Senior Notes if the terms and conditions thereof are not less
     favorable, taken as a whole, to the obligor thereon or to the Lenders than
     the Indebtedness being refinanced and the average life to maturity thereof
     is greater than or equal to that of the Indebtedness being refinanced;
     provided, such Indebtedness permitted under the immediately preceding
     clause (ii) above shall (A) not include Indebtedness of an obligor that was
     not an obligor with respect to the Indebtedness being refinanced, (B) not
     exceed in principal amount (or accreted value, in the case of any such
     refinancing Indebtedness issued with a discount) of the Indebtedness
     (including the amount of interest and principal (and premium, if any))
     being refinanced plus the amount of customary underwriting discounts,
     financing fees and commissions and other reasonable costs and expenses
     associated with the issuance thereof, and (C) not be incurred, created or
     assumed if any Default or Event of Default has occurred and is continuing
     or would result therefrom; and (z) (i) Indebtedness incurred by Company
     with respect to the New Company Subordinated Notes and (ii) other
     Indebtedness incurred to refinance, in whole or in part, Indebtedness under
     the New Company Subordinated Notes if the terms and conditions thereof are
     not less favorable, taken as a whole, to the obligor thereon or to the
     Lenders than the Indebtedness being refinanced and the average life to
     maturity thereof is

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<PAGE>

     greater than or equal to that of the Indebtedness being refinanced;
     provided, such Indebtedness permitted under the immediately preceding
     clause (ii) above shall (A) not include Indebtedness of an obligor that was
     not an obligor with respect to the Indebtedness being refinanced, (B) not
     exceed in principal amount (or accreted value, in the case of any such
     refinancing Indebtedness issued with a discount) of the Indebtedness
     (including the amount of interest and principal (and premium, if any))
     being refinanced plus the amount of customary underwriting discounts,
     financing fees and commissions and other reasonable costs and expenses
     associated with the issuance thereof, (C) be subordinated to the
     Obligations on terms which are not less favorable, taken as a whole, to the
     Lenders than the corresponding terms of the Indebtedness being refinanced
     and (D) not be incurred, created or assumed if any Default or Event of
     Default has occurred and is continuing or would result therefrom;"

          (b) Section 6.1 of the Credit Agreement is hereby further amended by
deleting Section 6.1(m) in its entirety and replacing it with the following:

          "(m) Permitted Seller Notes (i) issued by Holdings as consideration in
     Permitted Acquisitions; provided, that the aggregate principal amount of
     such Permitted Seller Notes issued by Holdings shall not exceed
     $17,500,000; and (ii) issued by Company as consideration in Permitted
     Acquisitions; provided, that the aggregate principal amount of such
     Permitted Seller Notes issued by Company shall not exceed $7,500,000;"

          (c) Section 6.1 of the Credit Agreement is hereby further amended by
deleting the word "and" at the conclusion of Section 6.1(r), deleting "." at the
conclusion of Section 6.1(s) and replacing it with "; and", and by adding the
following Section 6.1(t):

          "(t) the guaranty by Holdings of Indebtedness of Company pursuant to
     the New Company Subordinated Notes; provided, that such guaranty is
     unsecured and subordinated to the Obligations."

          (d) Section 6.5 of the Credit Agreement is hereby amended by deleting
the word "and" at the conclusion of Section 6.5(l), deleting "." at the
conclusion of Section 6.5(m) and replacing it with "; and", and by adding the
following Section 6.5(n):

          "(n) Holdings and Company may make the Restricted Junior Payments
     contemplated in connection with the Holdings IPO and the New Company
     Subordinated Notes, as set forth in Section 2.13(c) and 2.13(d)."

          (e) Section 6.7 of the Credit Agreement is hereby amended by deleting
Section 6.7(m) in its entirety and replacing it with the following:

          "(m) other Investments in an aggregate amount not to exceed at any
     time $6,000,000."

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<PAGE>

          (f) Section 6.8 of the Credit Agreement is hereby amended by deleting
Sections 6.8(a) through and including Section 6.8(e) in their entirety and
replacing them with the following:

          "(a) Interest Coverage Ratio. Company shall not permit the Interest
     Coverage Ratio as of the last day of any Fiscal Quarter, beginning with the
     Fiscal Quarter ending December 31, 2001 to be less than the correlative
     ratio indicated:

<TABLE>
<CAPTION>
                                                 INTEREST
                      FISCAL QUARTER          COVERAGE RATIO
                      --------------          --------------
<S>                                           <C>
                    December 31, 2001           2.00:1.00

                    March 31, 2002              2.00:1.00

                    June 30, 2002               2.00:1.00

                    September 30, 2002          2.00:1.00

                    December 31, 2002           2.25:1.00

                    March 31, 2003              2.25:1.00

                    June 30, 2003               2.25:1.00

                    September 30, 2003          2.25:1.00

                    December 31, 2003           2.50:1.00

                    March 31, 2004              2.50:1.00

                    June 30, 2004               2.75:1.00

                    September 30, 2004          2.75:1.00

                    December 31, 2004           3.00:1.00
                    and thereafter
</TABLE>

          (b) Fixed Charge Coverage Ratio. Company shall not permit the Fixed
     Charge Coverage Ratio as of the last day of any Fiscal Quarter, beginning
     with the Fiscal Quarter ending December 31, 2001, to be less than the
     correlative ratio indicated:

                                       9
<PAGE>

<TABLE>
<CAPTION>
                                               FIXED CHARGE
                      FISCAL QUARTER          COVERAGE RATIO
                      --------------          --------------
<S>                                           <C>
                    December 31, 2001           1.10:1.00
                    and thereafter
</TABLE>

                                       10
<PAGE>

          (c) Leverage Ratio. Company shall not permit the Leverage Ratio as of
     the last day of any Fiscal Quarter, beginning with the Fiscal Quarter
     ending December 31, 2001, to exceed the correlative ratio indicated:

<TABLE>
<CAPTION>
                        FISCAL                   LEVERAGE
                        QUARTER                    RATIO
                        -------                  --------
<S>                                              <C>
                    December 31, 2001            4.50:1.00
                    March 31, 2002               4.50:1.00
                    June 30, 2002                4.25:1.00
                    September 30, 2002           4.00:1.00
                    December 31, 2002            4.00:1.00
                    March 31, 2003               3.75:1.00
                    June 30, 2003                3.75:1.00
                    September 30, 2003           3.50:1.00
                    December 31, 2003            3.50:1.00
                    March 31, 2004               3.25:1.00
                    June 30, 2004                3.25:1.00
                    September 30, 2004           3.00:1.00
                    December 31, 2004            2.75:1.00
                    March 31, 2005               2.75:1.00
                    June 30, 2005                2.50:1.00
                    September 30, 2005           2.25:1.00
                    and thereafter
</TABLE>

                                       11
<PAGE>

          (d) Senior Leverage Ratio. Company shall not permit the Senior
     Leverage Ratio as of the last day of any Fiscal Quarter, beginning with the
     Fiscal Quarter ending December 31, 2001, to exceed the correlative ratio
     indicated:

<TABLE>
<CAPTION>
                                                      SENIOR
                         FISCAL QUARTER           LEVERAGE RATIO
                         --------------           --------------
<S>                                                 <C>
                        December 31, 2001           2.50:1.00
                        March 31, 2002              2.25:1.00
                        June 30, 2002               2.00:1.00
                        September 30, 2002          2.00:1.00
                        December 31, 2002           2.00:1.00
                        March 31, 2003              2.00:1.00
                        June 30, 2003               1.75:1.00
                        September 30, 2003          1.75:1.00
                        December 31, 2003           1.50:1.00
                        March 31, 2004              1.50:1.00
                        June 30, 2004               1.50:1.00
                        September 30, 2004          1.50:1.00
                        December 31, 2004           1.25:1.00
                        March 31, 2005              1.25:1.00
                        June 30, 2005               1.25:1.00
                        September 30, 2005          1.25:1.00
                        December 31, 2005           1.00:1.00
                        and thereafter
</TABLE>

          (e) Maximum Consolidated Capital Expenditures. Holdings shall not, and
     shall not permit its Subsidiaries to, make or incur Consolidated Capital
     Expenditures, in any Fiscal Year beginning with the Fiscal Year 2001, in an
     aggregate amount for Holdings and its Subsidiaries in excess of the
     following:

                                       12
<PAGE>

<TABLE>
<CAPTION>
                                                     Maximum Consolidated
                           Fiscal Year               Capital Expenditures
                           -----------               --------------------
<S>                                                  <C>

                   Fiscal Year 2001 and in any            $20,000,000
                    Fiscal Year prior to the
                       consummation of the
                          Holdings IPO

                    In any Fiscal Year (other             $22,000,000
                  than Fiscal Year 2001) after
                     the consummation of the
                          Holdings IPO
</TABLE>

     ; provided, that 50% of any unutilized amount for any Fiscal Year may be
     utilized in the next succeeding Fiscal Year, but in no event shall any
     amount from any Fiscal Year prior to the immediately preceding Fiscal Year
     be utilized in the calculations of the foregoing."

          (g) Section 6.9 of the Credit Agreement is hereby amended by deleting
Section 6.9(h) in its entirety and replacing it with the following:

          "(h) Permitted Acquisitions, the consideration for which constitutes
     (i) $10,000,000 or less in the aggregate from the Closing Date through the
     end of the fourth Fiscal Quarter of Fiscal Year 2000, (ii) $25,000,000 or
     less in the aggregate in Fiscal Year 2001, and (iii) $30,000,000 or less in
     the aggregate in any Fiscal Year thereafter; provided, that $5,000,000 of
     any unutilized amount for any Fiscal Year may be utilized in the next
     immediately succeeding Fiscal Year (but not in any Fiscal Years
     thereafter); provided, further, however, that with respect to any
     acquisition the consideration of which is (i) prior to the consummation of
     the Holdings IPO, greater than $7,500,000 and (ii) after the consummation
     of the Holdings IPO, greater than $12,500,000, Company shall not make such
     acquisition without the prior consent of Administrative Agent and
     Syndication Agent, such consent not to be unreasonably withheld;"

          D. AMENDMENTS TO SECTION 8: EVENTS OF DEFAULT.

          Section 8.1 of the Credit Agreement is hereby amended by deleting
Section 8.1(f) and 8.1(g) in their entirety and replacing them with the
following:

          "(f) Involuntary Bankruptcy; Appointment of Receiver, etc. (i) A court
     of competent jurisdiction shall enter a decree or order for relief in
     respect of Holdings or any of its Subsidiaries (other than Immaterial
     Subsidiaries) in an involuntary case under the Bankruptcy Code or under any
     other applicable bankruptcy, insolvency or similar law now or hereafter in
     effect, which decree or order is not stayed; or any other similar relief
     shall be granted under any applicable federal or state law; or (ii) an
     involuntary case shall be commenced against Holdings or any of its
     Subsidiaries (other than Immaterial Subsidiaries) under the Bankruptcy Code
     or under any other applicable bankruptcy, insolvency or similar law now or
     hereafter in effect; or a decree or order of a court having

                                       13
<PAGE>

     jurisdiction in the premises for the appointment of a receiver, liquidator,
     sequestrator, trustee, custodian or other officer having similar powers
     over Holdings or any of its Subsidiaries (other than Immaterial
     Subsidiaries), or over all or a substantial part of its property, shall
     have been entered; or there shall have occurred the involuntary appointment
     of an interim receiver, trustee or other custodian of Holdings or any of
     its Subsidiaries (other than Immaterial Subsidiaries) for all or a
     substantial part of its property; or a warrant of attachment, execution or
     similar process shall have been issued against any substantial part of the
     property of Holdings or any of its Subsidiaries (other than Immaterial
     Subsidiaries), and any such event described in this clause (ii) shall
     continue for sixty (60) days without having been dismissed, bonded or
     discharged; or

          (g) Voluntary Bankruptcy; Appointment of Receiver, etc. (i) Holdings
     or any of its Subsidiaries (other than Immaterial Subsidiaries) shall have
     an order for relief entered with respect to it or shall commence a
     voluntary case under the Bankruptcy Code or under any other applicable
     bankruptcy, insolvency or similar law now or hereafter in effect, or shall
     consent to the entry of an order for relief in an involuntary case, or to
     the conversion of an involuntary case to a voluntary case, under any such
     law, or shall consent to the appointment of or taking possession by a
     receiver, trustee or other custodian for all or a substantial part of its
     property; or Holdings or any of its Subsidiaries (other than Immaterial
     Subsidiaries) shall make any assignment for the benefit of creditors; or
     (ii) Holdings or any of its Subsidiaries (other than Immaterial
     Subsidiaries) shall be unable, or shall fail generally, or shall admit in
     writing its inability, to pay its debts as such debts become due; or the
     board of directors (or similar governing body) of Holdings or any of its
     Subsidiaries (other than Immaterial Subsidiaries) (or any committee
     thereof) shall adopt any resolution or otherwise authorize any action to
     approve any of the actions referred to herein or in Section 8.1(f); or"

SECTION II. CONDITIONS PRECEDENT TO EFFECTIVENESS

          The effectiveness of the amendments set forth at Section I hereof are
subject to the satisfaction, or waiver, of the following conditions on or before
the date hereof (the "SECOND AMENDMENT CLOSING DATE"):

          (a) The Company, Holdings and Requisite Lenders shall have indicated
their consent by the execution and delivery of the signature pages hereof to the
Agent.

          (b) Company shall have received net proceeds from the New Company
Subordinated Notes of not less than $147,000,000 and such proceeds shall have
been applied as contemplated by this Second Amendment.

          (c) The Agent shall have received a certificate from an officer of the
Company stating that as of the Second Amendment Closing Date, the
representations and warranties contained in Section III herein and in the other
Credit Documents are true, correct and complete in all respects on and as of the
Second Amendment Closing Date to the same extent as though made on and as of
that date, except to the extent such representations and warranties

                                       14
<PAGE>

specifically relate to an earlier date, in which case such representations and
warranties are true, correct and complete in all respects on and as of such
earlier date.

          (d) The Agent shall have received a certificate from an officer of the
Company stating that as of the Second Amendment Closing Date, no event has
occurred and is continuing that would constitute an Event of Default or a
Default.

          (e) The Agent shall have received a certificate from an officer of the
Company demonstrating that as of the Second Amendment Closing Date, the ratio of
total net debt of the Company (defined as Consolidated Total Debt less Company's
Cash on hand as of the Second Amendment Closing Date) to pro forma Consolidated
Adjusted EBITDA of the Company for the twelve month period ending September 30,
2001 (which for purposes of this ratio shall be $89,000,000) shall not exceed
3.75:1.00.

          (f) Company shall have paid all fees and other amounts due and payable
on or prior to the Second Amendment Closing Date, including, to the extent
invoiced, reimbursement or other payment of all out-of-pocket expenses required
to be reimbursed or paid by the Company hereunder or under any other Credit
Document.

          (g) The Agent and Lenders shall have received such other documents and
information regarding Credit Parties and the Credit Agreement as the Agents or
Lenders may reasonably request.

SECTION III. REPRESENTATIONS AND WARRANTIES

          A. CORPORATE POWER AND AUTHORITY. Each Credit Party has all requisite
corporate power and authority to enter into this Second Amendment and to carry
out the transactions contemplated by, and perform its obligations under the
Credit Agreement and the other Credit Documents.

          B. AUTHORIZATION OF AGREEMENTS. The execution and delivery of this
Second Amendment and the performance of the Credit Agreement and the other
Credit Documents have been duly authorized by all necessary corporate or
partnership (as applicable) action on the part of each Credit Party.

          C. NO CONFLICT. The execution and delivery by each Credit Party of
this Second Amendment and the performance by each Credit Party of the Credit
Agreement and the other Credit Documents do not (i) violate (A) any provision of
any law, statute, rule or regulation, or of the certificate or articles of
incorporation or partnership agreement, other constitutive documents or by-laws
of each Credit Party or any of its Subsidiaries except to the extent such
violation could not reasonably be expected to have a Material Adverse Effect,
(B) any applicable order of any court or any rule, regulation or order of any
Governmental Authority except to the extent such violation could not reasonably
be expected to have a Material Adverse Effect or (C) any provision of any
indenture, certificate of designation for preferred stock, agreement or other
instrument to which each Credit Party or any of its Subsidiaries is a party or
by which any

                                       15
<PAGE>

of them or any of their property is or may be bound except to the extent such
violation could not reasonably be expected to have a Material Adverse Effect,
(ii) be in conflict with, result in a breach of or constitute (alone or with
notice or lapse of time or both) a default under any such indenture, certificate
of designation for preferred stock, agreement or other instrument, where any
such conflict, violation, breach or default referred to in clause (i) or (ii) of
this Section III.C., individually or in the aggregate could reasonably be
expected to have a Material Adverse Effect, (iii) result in or require the
creation or imposition of any Lien upon any of the properties or assets of each
Credit Party (other than any Liens created under any of the Credit Documents in
favor of Collateral Agent on behalf of Lenders), or (iv) require any approval of
stockholders or partners or any approval or consent of any Person under any
contractual obligation of each Credit Party, except for such approvals or
consents which will be obtained on or before the Second Amendment Closing Date.

          D. GOVERNMENTAL CONSENTS. No action, consent or approval of,
registration or filing with or any other action by any Governmental Authority is
required in connection with the execution and delivery by each Credit Party of
this Second Amendment and the performance by each Credit Party of the Credit
Agreement and the other Credit Documents, except for such actions, consents and
approvals the failure to obtain or make which could not reasonably be expected
to result in a Material Adverse Effect or which have been obtained and are in
full force and effect.

          E. BINDING OBLIGATION. This Second Amendment and the Credit Agreement
have been duly executed and delivered by each Credit Party and each constitutes
a legal, valid and binding obligation of each Credit Party enforceable against
each Credit Party in accordance with its terms, except as enforceability may be
limited by bankruptcy, insolvency, moratorium, reorganization or other similar
laws affecting creditors' rights generally and except as enforceability may be
limited by general principles of equity (regardless of whether such
enforceability is considered in a proceeding in equity or at law).

          F. INCORPORATION OF REPRESENTATIONS AND WARRANTIES FROM CREDIT
AGREEMENT. The representations and warranties contained in Section 4 of the
Credit Agreement are and will be true, correct and complete in all material
respects on and as of the Second Amendment Closing Date to the same extent as
though made on and as of that date, except to the extent such representations
and warranties specifically relate to an earlier date, in which case they were
true, correct and complete in all material respects on and as of such earlier
date.

          G. ABSENCE OF DEFAULT. No event has occurred and is continuing or will
result from the consummation of the transactions contemplated by this Second
Amendment that would constitute an Event of Default or a Default.

SECTION IV. ACKNOWLEDGMENT AND CONSENT

     Each of Holdings and each Domestic Subsidiary of Holdings (other than
Company and certain Permitted Partially-Owned Subsidiaries) has (i) guaranteed
the Obligations and (ii) created Liens in favor of Lenders on certain Collateral
to secure its obligations under the Credit

                                       16
<PAGE>

Agreement and the Collateral Documents subject to the terms and provisions of
the Credit Agreement. Each of Holdings and each Domestic Subsidiary of Holdings
who has guaranteed the Obligations are collectively referred to herein as the
"CREDIT SUPPORT PARTIES", and the Credit Agreement and the Collateral Documents
are collectively referred to herein as the "CREDIT SUPPORT DOCUMENTS".

     Each Credit Support Party hereby acknowledges that it has reviewed the
terms and provisions of the Credit Agreement and this Second Amendment and
consents to the amendment of the Credit Agreement effected pursuant to this
Second Amendment. Each Credit Support Party hereby confirms that each Credit
Support Document to which it is a party or otherwise bound and all Collateral
encumbered thereby will continue to guarantee or secure, as the case may be, to
the fullest extent possible in accordance with the Credit Support Documents the
payment and performance of all "Obligations" under each of the Credit Support
Documents, as the case may be (in each case as such terms are defined in the
applicable Credit Support Document), including without limitation the payment
and performance of all such "Obligations" under each of the Credit Support
Documents, as the case may be, in respect of the Obligations of the Company now
or hereafter existing under or in respect of the Credit Agreement and hereby
pledges and assigns to the Collateral Agent, and grants to the Collateral Agent
a continuing lien on and security interest in and to all Collateral as
collateral security for the prompt payment and performance in full when due of
the "Obligations" under each of the Credit Support Documents to which it is a
party (whether at stated maturity, by acceleration or otherwise).

     Each Credit Support Party acknowledges and agrees that any of the Credit
Support Documents to which it is a party or otherwise bound shall continue in
full force and effect and that all of its obligations thereunder shall be valid
and enforceable and shall not be impaired or limited by the execution or
effectiveness of this Second Amendment. Each Credit Support Party represents and
warrants that all representations and warranties contained in the Credit
Agreement, this Second Amendment and the Credit Support Documents to which it is
a party or otherwise bound are true, correct and complete in all material
respects on and as of the Second Amendment Closing Date to the same extent as
though made on and as of that date, except to the extent such representations
and warranties specifically relate to an earlier date, in which case they were
true, correct and complete in all material respects on and as of such earlier
date.

     Each Credit Support Party acknowledges and agrees that (i) notwithstanding
the conditions to effectiveness set forth in this Second Amendment, such Credit
Support Party is not required by the terms of the Credit Agreement or any other
Credit Document to consent to the amendments to the Credit Agreement effected
pursuant to this Second Amendment and (ii) nothing in the Credit Agreement, this
Second Amendment or any other Credit Document shall be deemed to require the
consent of such Credit Support Party to any future amendments to the Credit
Agreement.

SECTION V. MISCELLANEOUS

          A. BINDING EFFECT. This Amendment shall be binding upon the parties
hereto and their respective successors and assigns and shall inure to the
benefit of the parties hereto and

                                       17
<PAGE>

the successors and assigns of Lenders. No Credit Party's rights or obligations
hereunder or any interest therein may be assigned or delegated by any Credit
Party without the prior written consent of all Lenders.

          B. SEVERABILITY. In case any provision in or obligation hereunder
shall be invalid, illegal or unenforceable in any jurisdiction, the validity,
legality and enforceability of the remaining provisions or obligations, or of
such provision or obligation in any other jurisdiction, shall not in any way be
affected or impaired thereby.

          C. REFERENCE TO CREDIT AGREEMENT. On and after the Second Amendment
Closing Date, each reference in the Credit Agreement to "this Agreement",
"hereunder", "hereof", "herein" or words of like import referring to the Credit
Agreement, and each reference in the other Credit Documents to the "Credit
Agreement", "thereunder", "thereof" or words of like import referring to the
Credit Agreement shall mean and be a reference to the Credit Agreement as
amended by this Amendment.

          D. EFFECT ON CREDIT AGREEMENT. Except as specifically amended by this
Amendment, the Credit Agreement and the other Credit Documents shall remain in
full force and effect and are hereby ratified and confirmed.

          E. EXECUTION. The execution, delivery and performance of this
Amendment shall not, except as expressly provided herein, constitute a waiver of
any provision of, or operate as a waiver of any right, power or remedy of any
Agent or Lender under, the Credit Agreement or any of the other Credit
Documents.

          F. HEADINGS. Section headings herein are included herein for
convenience of reference only and shall not constitute a part hereof for any
other purpose or be given any substantive effect.

          G. APPLICABLE LAW. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF
THE PARTIES HEREUNDER SHALL BE GOVERNED BY, AND SHALL BE CONSTRUED AND ENFORCED
IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

          H. COUNTERPARTS. This Amendment may be executed in any number of
counterparts, each of which when so executed and delivered shall be deemed an
original, but all such counterparts together shall constitute but one and the
same instrument. As set forth herein, this Amendment shall become effective upon
the execution of a counterpart hereof by each of the parties hereto and receipt
by Company, Holdings and Administrative Agent and Syndication Agent of written
or telephonic notification of such execution and authorization of delivery
thereof.

            [The remainder of this page is intentionally left blank.]

                                       18
<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be duly executed and delivered by their respective officers thereunto duly
authorized as of the date first written above.

COMPANY:                     VICAR OPERATING, INC.

                             By: /s/ Robert L. Antin
                                 Name:  Robert L. Antin
                                 Title: Chief Executive Officer and President

                             By: /s/ Tomas W. Fuller
                                 Name:  Tomas W. Fuller
                                 Title: Chief Financial Officer and
                                        Assistant Secretary

HOLDINGS:                    VCA ANTECH, INC.

                             By: /s/ Robert L. Antin
                                 Name:  Robert L. Antin
                                 Title: Chief Executive Officer and President

                             By: /s/ Tomas W. Fuller
                                 Name:  Tomas W. Fuller
                                 Title: Chief Financial Officer and
                                        Assistant Secretary

GUARANTORS:                  AAH MERGER CORPORATION
                             ACADEMY ANIMAL, INC.
                             ANDERSON ANIMAL HOSPITAL, INC.
                             ANIMAL EMERGENCY CLINIC, P.C.
                             ANIMAL CLINIC OF SANTA CRUZ, INC.
                             BEAUMONT VETERINARY ASSOCIATES, P.C.
                             BERLA, INC.

                                      S-1
<PAGE>

                             CACOOSING ANIMAL HOSPITAL, LTD.
                             CACOOSING PET CARE & NUTRITION CENTER, INC.
                             CLARMAR ANIMAL HOSPITAL, INC.
                             DETWILER VETERINARY CLINIC, INC.
                             DIAGNOSTIC VETERINARY SERVICE, INC.
                             EAGLE PARK ANIMAL CLINIC, INC.
                             EAGLE RIVER VETERINARY HOSPITAL, INC.
                             EDGEBROOK, INC.
                             FLORIDA VETERINARY LABORATORIES, INC.
                             FOX CHAPEL ANIMAL HOSPITAL, INC.
                             FREEHOLD, INC.
                             GLEN ANIMAL HOSPITAL, INC.
                             GOLDEN MERGER CORPORATION
                             H.B. ANIMAL CLINICS, INC.
                             HOWELL BRANCH ANIMAL HOSPITAL, P.A.
                             HIGHLANDS ANIMAL HOSPITAL, , INC.
                             LAKE JACKSON VETERINARY CLINIC, INC.
                             LAKEWOOD ANIMAL HOSPITAL, INC.
                             LAMMERS VETERINARY HOSPITAL, INC.
                             LEWELLING VETERINARY CLINIC, INC.
                             MILLER ANIMAL HOSPITAL
                             M.S. ANIMAL HOSPITALS, INC.
                             NEWARK ANIMAL HOSPITAL, INC.
                             NORTHERN ANIMAL HOSPITAL, INC.
                             NORTH ROCKVILLE VETERINARY HOSPITAL, INC.
                             NORTHSIDE ANIMAL HOSPITAL, P.C.
                             NOYES ANIMAL HOSPITAL, INC.
                             OAK HILL VETERINARY HOSPITAL, INC.
                             OLD TOWN VETERINARY HOSPITAL, INC.
                             PET PRACTICE (MASSACHUSETTS), INC.
                             PETS' RX, INC.
                             PETS' RX NEVADA, INC.
                             PPI OF PENNSYLVANIA, INC.
                             PRINCETON ANIMAL HOSPITAL, INC.
                             PROFESSIONAL VETERINARY SERVICES, INC.
                             RIVIERA ANIMAL HOSPITAL, INC.
                             ROBERTSON BLVD. ANIMAL HOSPITAL, INC.

                                      S-2
<PAGE>

                             ROSSMOOR - EL DORADO ANIMAL HOSPITAL, INC.
                             ROSSMOOR CENTER ANIMAL CLINIC, INC.
                             SAN VICENTE ANIMAL CLINIC
                             SILVER SPUR ANIMAL HOSPITAL, INC.
                             SOUTH COUNTY VETERINARY CLINIC, INC.
                             SPANISH RIVER ANIMAL HOSPITAL, INC.
                             TAMPA ANIMAL MEDICAL CENTER, INC.
                             THE PET PRACTICE (FLORIDA), INC.
                             THE PET PRACTICE (ILLINOIS), INC.
                             THE PET PRACTICE (MASSACHUSETTS), INC.
                             THE PET PRACTICE OF MICHIGAN, INC.
                             VCA ALABAMA, INC.
                             VCA ALBANY ANIMAL HOSPITAL, INC.
                             VCA ALBUQUERQUE, INC.
                             VCA ALL PETS ANIMAL COMPLEX, INC.
                             VCA ALPINE ANIMAL HOSPITAL, INC.
                             VCA ANDERSON OF CALIFORNIA ANIMAL
                             HOSPITAL, INC.
                             VCA ANIMAL HOSPITALS, INC.
                             VCA ANIMAL HOSPITAL WEST, INC.
                             VCA APAC ANIMAL HOSPITAL, INC.
                             VCA - ASHER, INC.
                             VCA BAY AREA ANIMAL HOSPITAL, INC.
                             VCA CACOOSING ANIMAL HOSPITAL, INC.
                             VCA CASTLE SHANNON VETERINARY HOSPITAL, INC.
                             VCA CENTERS-TEXAS, INC.
                             VCA CENVET, INC.
                             VCA CLARMAR ANIMAL HOSPITAL, INC.
                             VCA CLINICAL VETERINARY LABS, INC.
                             VCA CLINIPATH LABS, INC.
                             VCA CLOSTER, INC.
                             VCA DETWILER ANIMAL HOSPITAL, INC.
                             VCA DOVER ANIMAL HOSPITAL, INC.
                             VCA EAGLE RIVER ANIMAL HOSPITAL, INC.
                             VCA EAST ANCHORAGE ANIMAL HOSPITAL, INC.
                             VCA GOLDEN COVE ANIMAL HOSPITAL, INC.

                                      S-3
<PAGE>

                             VCA GREATER SAVANNAH ANIMAL HOSPITAL, INC.
                             VCA HOWELL BRANCH ANIMAL HOSPITAL, NC.
                             VCA INFORMATION SYSTEMS, INC.
                             VCA KANEOHE ANIMAL HOSPITAL, INC.
                             VCA LAKESIDE ANIMAL HOSPITAL, INC.
                             VCA LAMB AND STEWART ANIMAL HOSPITAL, INC.
                             VCA LAMMERS ANIMAL HOSPITAL, INC.
                             VCA LEWIS ANIMAL HOSPITAL, NC.
                             VCA MARINA ANIMAL HOSPITAL, NC.
                             VCA MILLER ANIMAL HOSPITAL, INC.
                             VCA MISSION, INC.
                             VCA NORTHBORO ANIMAL HOSPITAL, INC.
                             VCA NORTHWEST VETERINARY DIAGNOSTICS, INC.
                             VCA OF COLORADO-ANDERSON, INC.
                             VCA OF NEW YORK, INC.
                             VCA OF SAN JOSE, INC.
                             VCA OF TERESITA, INC.
                             CA PROFESSIONAL ANIMAL LABORATORY, INC.
                             VCA REAL PROPERTY ACQUISITION CORPORATION
                             VCA REFERRAL ASSOCIATES ANIMAL
                             HOSPITAL, INC.
                             VCA ROHRIG ANIMAL HOSPITAL, INC.
                             VCA - ROSSMOOR, INC.
                             VCA SILVER SPUR ANIMAL HOSPITAL, INC.
                             VCA SOUTH SHORE ANIMAL HOSPITAL, INC.
                             SPECIALTY PET PRODUCTS, INC.
                             VCA SQUIRE ANIMAL HOSPITAL, INC.
                             VCA ST. PETERSBURG ANIMAL HOSPITAL, INC.
                             VCA TEXAS MANAGEMENT, INC.
                             VCA WYOMING ANIMAL HOSPITAL, INC.
                             VETERINARY HOSPITALS, INC.
                             WEST LOS ANGELES VETERINARY MEDICAL GROUP, INC.
                             WESTWOOD DOG & CAT HOSPITAL
                             W.E. ZUSCHLAG, D.V.M., WORTH ANIMAL
                             HOSPITAL, CHARTERED

                                      S-4
<PAGE>

                             WILLIAM C. FOUTS, D.V.M., LTD.
                             WINGATE, INC.

                             By: /s/ Robert L. Antin
                                 Name:  Robert L. Antin
                                 Title: Chief Executive Officer and
                                        President

                             By: /s/ Tomas W. Fuller
                                 Name:  Tomas W. Fuller
                                 Title: Chief Financial Officer and
                                        Assistant Secretary

                             VCA VILLA ANIMAL HOSPITAL, L.P.
                             By: VCA Animal Hospitals, Inc.,
                             General Partner

                             By: /s/ Robert L. Antin
                                 Name:  Robert L. Antin
                                 Title: Chief Executive Officer and
                                        President

                             By: /s/ Tomas W. Fuller
                                 Name:  Tomas W. Fuller
                                 Title: Chief Financial Officer and
                                        Assistant Secretary

                             VETERINARY CENTERS OF AMERICA-TEXAS, L.P.
                             By: VCA Centers-Texas, Inc.,
                             General Partner

                             By: /s/ Robert L. Antin
                                 Name:  Robert L. Antin
                                 Title: Chief Executive Officer and
                                        President

                             By: /s/ Tomas W. Fuller
                                 Name:  Tomas W. Fuller
                                 Title: Chief Financial Officer and
                                        Assistant Secretary

                                      S-5
<PAGE>

                             ANIMAL CENTER, INC.

                             By: /s/ Robert L. Antin
                                 Name:
                                 Title:

                             ASSOCIATES IN PET CARE, S.C.

                             By: /s/ Robert L. Antin
                                 Name:
                                 Title:

                             KIRKWOOD ANIMAL HOSPITAL - LEA M.E. TAMMI,
                             V.M.D., P.A.

                             By: /s/ Robert L. Antin
                                 Name:
                                 Title:

                             MAIN STREET SMALL ANIMAL HOSPITAL, INC.

                             By: /s/ Robert L. Antin
                                 Name:
                                 Title:

                             SOUTHEAST AREA VETERINARY MEDICAL CENTER, P.C.

                             By: /s/ Robert L. Antin
                                 Name:
                                 Title:

                                      S-6
<PAGE>

                             VCA ASSOCIATE ANIMAL HOSPITAL, L.P.

                             By: /s/ Robert L. Antin
                                 Name:
                                 Title:

                             VCA HERITAGE ANIMAL HOSPITAL, L.P.

                             By: /s/ Robert L. Antin
                                 Name:
                                 Title:

                             TOMS RIVER VETERINARY HOSPITAL, P.A.

                             By: /s/ Robert L. Antin
                                 Name:
                                 Title:

                                      S-7
<PAGE>

SOLE SYNDICATION AGENT,
SOLE LEAD ARRANGER,
AND A LENDER:                GOLDMAN SACHS CREDIT PARTNERS L.P.,

                             By: /s/
                                 Authorized Signatory

                                      S-8
<PAGE>

ADMINISTRATIVE AGENT,
COLLATERAL AGENT
AND A LENDER:                WELLS FARGO BANK, N.A.

                             By: /s/ Michael St. Geme
                                 Name:  Michael St. Geme
                                 Title: Vice President

                                      S-9<PAGE>
                      FIRST AMENDMENT TO CREDIT AGREEMENT

     THIS FIRST AMENDMENT TO CREDIT AGREEMENT (the "Amendment"), dated as of
February 5, 2002 is entered into among MELLON BANK, N.A. (the "Bank"), with a
place of business at 601 West 5th Street, Los Angeles, California 90071, and
ELITE INFORMATION SYSTEMS, INC., a California corporation (the "Borrower") with
its chief executive office located at 5100 West Goldleaf Circle, Suite 100 Los
Angeles, California 90056 and ELITE INFORMATION GROUP, INC., a Delaware
corporation ("EIG").

                                    RECITALS

     A.   The Borrower, EIG and the Bank have previously entered into that
certain Credit Agreement dated as of May 16, 2000, pursuant to which the Bank
has made certain loans and other financial accommodations available to the
Borrower. Terms used herein without definition shall have the meanings ascribed
to them in the Credit Agreement.

     B.   Both the Borrower and the Bank wish to amend the Credit Agreement
under the terms and conditions set forth in this Amendment. The Borrower is
entering into this Amendment with the understanding and agreement that, except
as specifically provided herein, none of the Bank's rights or remedies as set
forth in the Credit Agreement is being waived or modified by the terms of this
Amendment.

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

     1.   Amendment to Article 1 - Definitions.

          (a)  The definition of "Maturity Date" as set forth in Section 1.1 of
the Credit Agreement is hereby amended and restated in its entirety as follows:

          "'Maturity Date' April 30, 2003; provided that, subject to approval by
          the Bank in its sole discretion, the Maturity Date may be extended for
          successive one year periods."

     2.   Amendments to Article VI - Covenants.

          (a)  Section 6.2(b) of the Credit Agreement is hereby amended and
restated in its entirety as follows:

          "(b) Total Liabilities to Consolidated Tangible Net Worth Ratio. At
          any time, permit the ratio of total liabilities of EIG and its
          consolidated Subsidiaries (as determined in accordance with GAAP) to
          Consolidated Tangible Net Worth to be greater than 1.75 to 1.00."

          (b)  Net Profit. Section 6.2(l) shall be added to the Credit Agreement
and shall read in its entirety as follows:
<PAGE>
          "(1)   Net Profit. Permit a net profit of less than One Dollar ($1.00)
          for any fiscal year. Net profit for the purposes of this Section
          6.2(1) shall not include extraordinary gains or losses, as determined
          according to GAAP"

     3.   Termination of Guaranty. The Bank hereby terminates the Continuing
Guaranty date May 16, 2000 and the Guarantor Security Agreement dated May 16,
2000 each executed by Elite.Com, Inc., a Delaware corporation ("Guarantor"), in
favor of Bank, and releases Guarantor from any obligations thereunder. The Bank
also agrees to release and terminate any financing statements filed against the
assets of Guarantor in favor of Bank.

     4.   Effectiveness of this Amendment. Each of the following is a condition
precedent to the effectiveness of this Amendment and to the Bank's obligation
to extend any credit to the Borrower as provided for by this Amendment:

          (a) Amendment. The Bank shall have received, in form and
substance satisfactory to the Bank, this Amendment fully executed in a
sufficient  number of counterparts for distribution to the Bank and the
Borrower.

          (b) Authorizations. The Bank shall have received evidence, in form
and substance satisfactory to the Bank, that the execution, delivery and
performance by the Borrower and any instrument or agreement required under this
Amendment have duly authorized.

          (c) Representations and Warranties. The Representations and
Warranties set forth in the Credit Agreement must be true and correct as of the
date of this Amendment as if made as of such date.

          (d) No Event of Default. As of the date hereof, no Event of Default,
or event which with notice or passage of time of both would constitute an Event
of Default, exists or has occurred and is continuing.

          (e) Other Required Documentation. All other documents and legal
matters in connection with the transactions contemplated by this Agreement
shall have been delivered or executed or recorded and shall be in form and
substance satisfactory to the Bank.

     5.   Representations and Warranties. The Borrower represents and warrants
as follows:

          (a) Authority. The Borrower has the requisite corporate power and
authority to execute and deliver this Amendment, and to perform its obligations
hereunder and under the Loan Documents (as amended or modified hereby). The
execution, delivery and performance by the Borrower of this Amendment and each
Loan Document (as amended or modified hereby) have been duly approved by all
necessary corporate action of the Borrower and no other corporate proceedings on
the part of the Borrower are necessary to consummate such transactions.
Moreover, the execution, delivery and performance by the Borrower of this
Amendment have received all necessary governmental approval, if any, do not
contravene any law or any contractual restriction binding on the Borrower.

                                       2
<PAGE>
          (b)  Enforceability. This Amendment has been duly executed and
delivered by the Borrower. This Amendment and each Loan Document (as amended or
modified hereby) is the legal, valid and binding obligation of the Borrower,
enforceable against the Borrower in accordance with its terms, and is in full
force and effect.

          (c)  No Default. As of the date hereof, no event has occurred and is
continuing that constitutes, or would with notice or passage of time or both
would constitute, an Event of Default.

     6.   Choice of Law. The validity of this Amendment, its construction,
interpretation and enforcement, the rights of the parties hereunder, shall be
determined under, governed by, and construed in accordance with the internal
laws of the State of California governing contracts only to be performed in that
State.

     7.   Counterparts.  This Amendment may be executed in any number of
counterparts and by different parties and separate counterparts, each of which
when so executed and delivered, shall be deemed an original, and all of which,
when taken together, shall constitute one and the same instrument. Delivery of
an executed counterpart of a signature page to this Amendment by telefacsimile
shall be effective as delivery of a manually executed counterpart of this
Amendment.

     8.   Reference to and Effect on the Loan Documents.

          (a)  Upon and after the effectiveness of this Amendment, each
reference in the Credit Agreement to "this Agreement", "hereunder", "hereof" or
words of like import referring to the Credit Agreement, and each reference in
the other Loan Documents to "the Credit Agreement", "thereof" or words of like
import referring to the Credit Agreement, shall mean and be a reference to the
Credit Agreement as modified and amended hereby.

          (b)  Except as specifically amended above, the Credit Agreement and
all other Loan Documents, are and shall continue to be in full force and effect
and are hereby in all respects ratified and confirmed and shall constitute the
legal, valid, binding and enforceable obligations of the Borrower to the Bank.

          (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 any the Bank or the Agent under any of the Loan Documents,
nor constitute a waiver of any provision of any of the Loan Documents.

          (d)  To the extent that any terms and conditions in any of the Loan
Documents shall contradict or be in conflict with any terms or conditions of the
Credit Agreement, after giving effect to this Amendment, such terms and
conditions are hereby deemed modified or amended accordingly to reflect the
terms and conditions of the Credit Agreement as modified or amended hereby.

     9. Ratification. The Borrower hereby restates, ratifies and reaffirms each
and every term and condition set forth in the Credit Agreement, as amended
hereby, and the Loan Documents effective as of the date hereof.

                                        3
<PAGE>
10.  Estoppel. To induce the Bank to enter into this Amendment and to continue
to make advances to the Borrower under the Credit Agreement, the Borrower
hereby acknowledges and agrees that, after giving effect to this Amendment, as
of the date hereof, there exists no Event of Default and no right of offset,
defense, counterclaim or objection in favor of the Borrower as against the Bank
with respect to the Obligations.

IN WITNESS WHEREOF, the parties have entered into this Amendment as of the date
first above written.

MELLON BANK, N.A.                             ELITE INFORMATION SYSTEMS, INC.

                                              a California corporation

By: /s/ John Carlson                          By: /s/ Barry Emerson
   -------------------------------               -------------------------------
Name:   John Carlson                          Name:   Barry Emerson
     -----------------------------                 -----------------------------
Title:  Vice President                        Title:  CFO
      ----------------------------                  ----------------------------

                                              ELITE INFORMATION GROUP, INC.

                                              A Delaware corporation

                                              By: /s/ Barry Emerson
                                                 -------------------------------
                                              Name:   Barry Emerson
                                                   -----------------------------
                                              Title:  CFO
                                                    ----------------------------

                                       4
<PAGE>
                   ACKNOWLEDGMENT AND AGREEMENT OF GUARANTORS

     Each of the undersigned guarantors of the indebtedness of Elite Information
Systems, Inc. (the "Borrower") to Mellon Bank, N.A.  (the "Bank") pursuant to
separate Continuing Guaranties each dated as of May 16, 2000 (each a
"Guaranty"), hereby (i) acknowledges receipt of the foregoing Amendment; (ii)
consents to the terms and execution thereof; (iii) reaffirms its obligations to
the Bank pursuant to the terms of its Guaranty; and (iv) acknowledges that the
Bank may amend, restate, extend, renew or otherwise modify the Credit Agreement
and any indebtedness or agreement of the Borrowers, or enter into any agreement
or extend additional or other credit accommodations, without notifying or
obtaining the consent of the undersigned and without impairing the liability of
the undersigned under the Guaranty for all the Borrowers' present and future
indebtedness to the Bank.

                                                   ELITE INFORMATION GROUP, INC.

                                                   By: /s/ Barry Emerson
                                                      --------------------------
                                                   Name: Barry Emerson
                                                        ------------------------
                                                   Its: CFO
                                                       -------------------------

                                                   ELITE INFORMATION SYSTEMS
                                                   INTERNATIONAL, INC.

                                                   By: /s/ Barry Emerson
                                                      --------------------------
                                                   Name: Barry Emerson
                                                        ------------------------
                                                   Its: CFO
                                                       -------------------------

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