Document:

<PAGE>
                                                                     EXHIBIT 4.8
================================================================================

                                CREDIT AGREEMENT

                                      among

                                  INFOUSA INC.,

                                VARIOUS LENDERS,

                             BANK OF AMERICA, N.A.,
                             as ADMINISTRATIVE AGENT

                                       and

                                U.S. BANK, N.A.,
                              as SYNDICATION AGENT

                                   ----------

                            Dated as of March 6, 2002

                                   ----------

                         BANK OF AMERICA SECURITIES LLC,
                     as LEAD ARRANGER AND SOLE BOOK MANAGER

================================================================================
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                                TABLE OF CONTENTS

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Section 1

      AMOUNT AND TERMS OF CREDIT .........................................     1

      1.01.      The Commitments .........................................     1

      1.02.      Minimum Amount of Each Borrowing ........................     5

      1.03.      Notice of Borrowing .....................................     5

      1.04.      Disbursement of Funds ...................................     6

      1.05.      Notes ...................................................     7

      1.06.      Conversions .............................................     8

      1.07.      Pro Rata Borrowings .....................................     9

      1.08.      Interest ................................................     9

      1.09.      Interest Periods ........................................    10

      1.10.      Increased Costs, Illegality, etc. .......................    11

      1.11.      Compensation ............................................    13

      1.12.      Change of Lending Office ................................    14

      1.13.      Replacement of Lenders ..................................    14

      1.14.      Limitation on Additional Amounts ........................    15

      1.15.      Facility Increases ......................................    15

Section 2

      LETTERS OF CREDIT ..................................................    17

      2.01.      Letters of Credit .......................................    17

      2.02.      Maximum Letter of Credit Outstandings; Final Maturities .    18

      2.03.      Letter of Credit Requests; Minimum Stated Amount ........    18

      2.04.      Letter of Credit Participations .........................    19

      2.05.      Agreement to Repay Letter of Credit Drawings ............    20

      2.06.      Increased Costs .........................................    21

Section 3

      COMMITMENT FEE; FEES; REDUCTIONS OF COMMITMENT .....................    22

      3.01.      Fees ....................................................    22

      3.02.      Voluntary Termination of Unutilized Revolving Loan
                 Commitments .............................................    23

      3.03.      Mandatory Reduction of Commitments ......................    24
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                                TABLE OF CONTENTS
                                   (continued)

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Section 4

      PREPAYMENTS; PAYMENTS; TAXES .......................................    25

      4.01.      Voluntary Prepayments ...................................    25

      4.02.      Mandatory Repayments and Commitment Reductions ..........    26

      4.03.      Method and Place of Payment .............................    31

      4.04.      Net Payments ............................................    31

Section 5

      CONDITIONS PRECEDENT TO CREDIT EVENTS ON THE INITIAL BORROWING DATE     33

      5.01.      Execution of Agreement; Disclosure Letter; Notes ........    33

      5.02.      Officer's Certificate ...................................    33

      5.03.      Opinions of Counsel .....................................    33

      5.04.      Corporate Documents; Proceedings; etc. ..................    33

      5.05.      Plans; Shareholders' Agreements; Employment Agreements;
                 Existing Indebtedness Agreements ........................    34

      5.06.      Consummation of the Refinancing .........................    35

      5.07.      Adverse Change, etc. ....................................    35

      5.08.      Litigation ..............................................    35

      5.09.      Pledge Agreement ........................................    35

      5.10.      Security Agreement ......................................    36

      5.11.      Subsidiaries Guaranty ...................................    36

      5.12.      Financial Statements; Projections .......................    36

      5.13.      Solvency Certificate; Insurance Certificates ............    37

      5.14.      Senior Subordinated Note Compliance .....................    37

      5.15.      Fees, etc. ..............................................    37

Section 6

      CONDITIONS PRECEDENT TO ALL CREDIT EVENTS ..........................    37

      6.01.      No Default; Representations and Warranties ..............    37

      6.02.      Notice of Borrowing; Letter of Credit Request ...........    38

Section 7

      REPRESENTATIONS, WARRANTIES AND AGREEMENTS .........................    38
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                                TABLE OF CONTENTS
                                   (continued)

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      7.01.      Organizational Status ...................................    38

      7.02.      Power and Authority .....................................    39

      7.03.      No Violation ............................................    39

      7.04.      Approvals ...............................................    39

      7.05.      Financial Statements; Financial Condition; Undisclosed
                 Liabilities; Projections; etc. ..........................    39

      7.06.      Litigation ..............................................    41

      7.07.      True and Complete Disclosure ............................    41

      7.08.      Use of Proceeds; Margin Regulations .....................    41

      7.09.      Tax Returns and Payments ................................    41

      7.10.      Compliance with ERISA ...................................    42

      7.11.      The Security Documents ..................................    43

      7.12.      Representations and Warranties in the Credit Documents ..    44

      7.13.      Properties ..............................................    44

      7.14.      Capitalization ..........................................    44

      7.15.      Subsidiaries ............................................    44

      7.16.      Compliance with Statutes, etc. ..........................    45

      7.17.      Investment Company Act ..................................    45

      7.18.      Public Utility Holding Company Act ......................    45

      7.19.      Environmental Matters ...................................    45

      7.20.      Labor Relations .........................................    46

      7.21.      Patents, Licenses, Franchises and Formulas ..............    46

      7.22.      Indebtedness ............................................    46

      7.23.      Refinancing .............................................    46

      7.24.      Insurance ...............................................    47

      7.25.      Senior Subordinated Notes ...............................    47

Section 8

      AFFIRMATIVE COVENANTS ..............................................    47

      8.01.      Information Covenants ...................................    47

      8.02.      Books, Records and Inspections; Annual Meetings .........    50
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      8.03.      Maintenance of Property; Insurance ......................    50

      8.04.      Existence; Franchises ...................................    51

      8.05.      Compliance with Statutes, etc. ..........................    51

      8.06.      Compliance with Environmental Laws ......................    51

      8.07.      ERISA ...................................................    52

      8.08.      End of Fiscal Years; Fiscal Quarters ....................    54

      8.09.      Performance of Obligations ..............................    54

      8.10.      Payment of Taxes ........................................    54

      8.11.      Additional Security; Further Assurances .................    54

      8.12.      Use of Proceeds .........................................    55

      8.13.      Foreign Subsidiaries Security ...........................    55

      8.14.      Margin Stock ............................................    56

      8.15.      Permitted Acquisitions ..................................    56

      8.16.      Certain Post-Closing Actions ............................    58

Section 9

      NEGATIVE COVENANTS .................................................    59

      9.01.      Liens ...................................................    59

      9.02.      Consolidation, Merger, Purchase or Sale of Assets, etc. .    62

      9.03.      Dividends ...............................................    63

      9.04.      Indebtedness ............................................    64

      9.05.      Advances, Investments and Loans .........................    66

      9.06.      Transactions with Affiliates ............................    68

      9.07.      Consolidated Fixed Charge Coverage Ratio ................    69

      9.08.      Maximum Total Leverage Ratio ............................    69

      9.09.      Maximum Senior Leverage Ratio ...........................    69

      9.10.      Minimum Consolidated EBITDA .............................    69

      9.11.      Consolidated Net Worth ..................................    69

      9.12.      Limitation on Voluntary Payments and Modifications of
                 Certain Indebtedness; Modifications of Certificate of
                 Incorporation, By-Laws and Certain Other Agreements, etc.    70

      9.13.      Limitation on Certain Restrictions on Subsidiaries ......    70
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      9.14.      Limitation on Issuance of Capital Stock .................    71

      9.15.      Business ................................................    71

      9.16.      Limitation on Creation of Subsidiaries ..................    71

      9.17.      Restricted Payments .....................................    72

Section 10

      EVENTS OF DEFAULT ..................................................    72

      10.01.     Payments ................................................    72

      10.02.     Representations, etc. ...................................    73

      10.03.     Covenants ...............................................    73

      10.04.     Default Under Other Agreements ..........................    73

      10.05.     Bankruptcy, etc. ........................................    73

      10.06.     ERISA ...................................................    74

      10.07.     Security Documents ......................................    74

      10.08.     Subsidiaries Guaranty ...................................    74

      10.09.     Judgments ...............................................    75

      10.10.     Change of Control .......................................    75

Section 11

      DEFINITIONS AND ACCOUNTING TERMS ...................................    76

      11.01.     Defined Terms ...........................................    76

Section 12

      THE ADMINISTRATIVE AGENT ...........................................   102

      12.01.     Appointment .............................................   102

      12.02.     Nature of Duties ........................................   102

      12.03.     Lack of Reliance on the Administrative Agent ............   103

      12.04.     Certain Rights of the Administrative Agent ..............   103

      12.05.     Reliance ................................................   103

      12.06.     Indemnification .........................................   103

      12.07.     The Administrative Agent in its Individual Capacity .....   104

      12.08.     Holders .................................................   104

      12.09.     Resignation by the Administrative Agent .................   104
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      12.10.     Issuing Lender ..........................................   105

Section 13

      MISCELLANEOUS ......................................................   105

      13.01.     Payment of Expenses, etc. ...............................   105

      13.02.     Right of Setoff .........................................   106

      13.03.     Notices .................................................   107

      13.04.     Benefit of Agreement; Assignments; Participations .......   107

      13.05.     No Waiver; Remedies Cumulative ..........................   109

      13.06.     Payments Pro Rata .......................................   110

      13.07.     Calculations; Computations; Accounting Terms ............   111

      13.08.     GOVERNING LAW; SUBMISSION TO JURISDICTION; VENUE; WAIVER
                 OF JURY TRIAL ...........................................   111

      13.09.     Counterparts ............................................   112

      13.10.     Effectiveness ...........................................   112

      13.11.     Headings Descriptive ....................................   113

      13.12.     Amendment or Waiver; etc. ...............................   113

      13.13.     Survival ................................................   115

      13.14.     Domicile of Loans .......................................   115

      13.15.     Register ................................................   115

      13.16.     Confidentiality .........................................   115

      13.17.     Certain Agreements with respect to the Senior
                 Subordinated Notes ......................................   116
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SCHEDULE I        Commitments
SCHEDULE II       Lender Addresses
SCHEDULE III      Disclosure Letter

EXHIBIT A         Notice of Borrowing
EXHIBIT B-1       Tranche A Term Note
EXHIBIT B-2       Tranche B Term Note
EXHIBIT B-3       Revolving Note
EXHIBIT B-4       Swingline Note
EXHIBIT C         Letter of Credit Request
EXHIBIT D         Section 4.04(b)(ii) Certificate
EXHIBIT E-1       Opinion of Robins Kaplan Miller & Ciresi LLP
EXHIBIT E-2       Opinion of Illinois Counsel
EXHIBIT F         Officers' Certificate
EXHIBIT G         Pledge Agreement
EXHIBIT H         Security Agreement
EXHIBIT I         Subsidiaries Guaranty
EXHIBIT J         Solvency Certificate
EXHIBIT K         Assignment and Assumption Agreement
EXHIBIT L         Intercompany Note
EXHIBIT M         Subordination Provisions

                                      -vii-
<PAGE>
      CREDIT AGREEMENT, dated as of March 6, 2002, among INFOUSA INC., a
Delaware corporation (the "Borrower"), the Lenders party hereto from time to
time, and BANK OF AMERICA, N.A., as Administrative Agent (in such capacity, the
"Administrative Agent") (all capitalized terms used herein and defined in
Section 11 are used herein as therein defined).

                              W I T N E S S E T H :

      WHEREAS, subject to and upon the terms and conditions set forth herein,
the Lenders are willing to make available to the Borrower the respective credit
facilities provided for herein;

      NOW, THEREFORE, IT IS AGREED:

                                   SECTION 1

                           AMOUNT AND TERMS OF CREDIT

      1.01. The Commitments.

      (a) Tranche A Term Loans. Subject to and upon the terms and conditions set
forth herein, each Lender with a Tranche A Term Loan Commitment severally agrees
to make a term loan or term loans (each a "Tranche A Term Loan" and,
collectively, the "Tranche A Term Loans") to the Borrower, which Tranche A Term
Loans

            (i) only may be incurred by the Borrower on the Initial Borrowing
      Date,

            (ii) shall, at the option of the Borrower, be incurred and
      maintained as, and/or converted into, Base Rate Loans or Eurodollar Loans,
      provided that, (A) except as otherwise specifically provided in Section
      1.10(b), all Tranche A Term Loans comprising the same Borrowing shall at
      all times be of the same Type and (B) unless the Administrative Agent has
      determined that the Syndication Date has occurred (at which time this
      clause (B) shall no longer be applicable), (x) on or prior to March 15,
      2002, all Tranche A Term Loans shall be incurred and maintained as Base
      Rate Loans and (y) thereafter, no more than three Borrowings of Tranche A
      Term Loans to be maintained as Eurodollar Loans may be incurred prior to
      the 28th day after the Initial Borrowing Date (each of which Borrowings of
      Eurodollar Loans may only have an Interest Period of seven days, and the
      first of which Borrowings may only be made on or before March 22, 2002,
      and with each such Borrowing made thereafter to be made only on the last
      day of the Interest Period of the immediately preceding Borrowing), and

            (iii) shall be made by each such Lender in that aggregate principal
      amount which does not exceed the Tranche A Term Loan Commitment of such
      Lender on the Initial Borrowing Date (before giving effect to the
      termination thereof on such date pursuant to Section 3.03(b)). Once
      repaid, Tranche A Term Loans incurred hereunder may not be reborrowed.

      (b) Tranche B Term Loans. Subject to and upon the terms and conditions set
forth herein, each Lender with a Tranche B Term Loan Commitment severally agrees
to make a term
<PAGE>
loan or term loans (each a "Tranche B Term Loan" and, collectively, the "Tranche
B Term Loans") to the Borrower, which Tranche B Term Loans:

            (i) only may be incurred on the Initial Borrowing Date,

            (ii) shall, at the option of the Borrower, be incurred and
      maintained as, and/or converted into, Base Rate Loans or Eurodollar Loans,
      provided that, (A) except as otherwise specifically provided in Section
      1.10(b), all Tranche B Term Loans comprising the same Borrowing shall at
      all times be of the same Type and (B) unless the Administrative Agent has
      determined that the Syndication Date has occurred (at which time this
      clause (B) shall no longer be applicable), (x) on or prior to March 15,
      2002 all Tranche B Term Loans shall be incurred and maintained as Base
      Rate Loans and (y) thereafter, no more than three Borrowings of Tranche B
      Term Loans to be maintained as Eurodollar Loans may be incurred prior to
      the 28th day after the Initial Borrowing Date (each of which Borrowings of
      Eurodollar Loans (A) may only have the same Interest Period as is then
      permitted for a Borrowing of Tranche A Term Loans that are maintained as
      Eurodollar Loans and (B) shall begin and end on the same day as a
      Borrowing of Tranche A Term Loans that are maintained as Eurodollar
      Loans), and

            (iii) shall be made by each such Lender in that aggregate principal
      amount which does not exceed the Tranche B Term Loan Commitment of such
      Lender on the Initial Borrowing Date (before giving effect to the
      termination thereof or such date pursuant to Section 3.03(c)). Once
      repaid, Tranche B Term Loans incurred hereunder may not be reborrowed.

      (c) Revolving Loans. Subject to and upon the terms and conditions set
forth herein, each Lender with a Revolving Loan Commitment severally agrees to
make, at any time and from time to time on or after the Initial Borrowing Date
and prior to the Revolving Loan Maturity Date, a revolving loan or revolving
loans (each a "Revolving Loan" and, collectively, the "Revolving Loans") to the
Borrower, which Revolving Loans:

            (i) shall, at the option of the Borrower, be incurred and maintained
      as, and/or converted into, Base Rate Loans or Eurodollar Loans, provided
      that, (A) except as otherwise specifically provided in Section 1.10(b),
      all Revolving Loans comprising the same Borrowing shall at all times be of
      the same Type and (B) unless the Administrative Agent has determined that
      the Syndication Date has occurred (at which time this clause (B) shall no
      longer be applicable), (x) on or prior to March 15, 2002, all Revolving
      Loans shall be incurred and maintained as Base Rate Loans and (y)
      thereafter, no more than three Borrowings of Revolving Loans to be
      maintained as Eurodollar Loans may be incurred prior to the 28th day after
      the Initial Borrowing Date (each of which Borrowings of Eurodollar Loans
      (A) may only have the same Interest Period as is then permitted for a
      Borrowing of Tranche A Term Loans that are maintained as Eurodollar Loans
      and (B) shall begin and end on the same day as a Borrowing of Tranche A
      Term Loans that are maintained as Eurodollar Loans),

                                      -2-
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            (ii) may be repaid and reborrowed in accordance with the provisions
      hereof,

            (iii) shall not exceed for any such Lender at any time outstanding
      that aggregate principal amount which, when added to the product of (x)
      such Lender's RL Percentage and (y) the sum of (I) the aggregate amount of
      all Letter of Credit Outstandings (exclusive of Unpaid Drawings which are
      repaid with the proceeds of, and simultaneously with the incurrence of,
      the respective incurrence of Revolving Loans) at such time and (II) the
      aggregate principal amount of all Swingline Loans (exclusive of Swingline
      Loans which are repaid with the proceeds of, and simultaneously with the
      incurrence of, the respective incurrence of Revolving Loans) then
      outstanding, equals the Revolving Loan Commitment of such Lender at such
      time, and

            (iv) shall not exceed for all such Lenders at any time outstanding
      that aggregate principal amount which, when added to the sum of (I) the
      aggregate amount of all Letter of Credit Outstandings (exclusive of Unpaid
      Drawings which are repaid with the proceeds of, and simultaneously with
      the incurrence of, the respective incurrence of Revolving Loans) at such
      time and (II) the aggregate principal amount of all Swingline Loans
      (exclusive of Swingline Loans which are repaid with the proceeds of, and
      simultaneously with the incurrence of, the respective incurrence of
      Revolving Loans) then outstanding, equals the Total Revolving Loan
      Commitment at such time.

      (d) Swingline Loans. Subject to and upon the terms and conditions set
forth herein, the Swingline Lender agrees to make, at any time and from time to
time on or after the Initial Borrowing Date and prior to the Swingline Expiry
Date, a revolving loan or revolving loans (each a "Swingline Loan" and,
collectively, the "Swingline Loans") to the Borrower, which Swingline Loans:

            (i) shall be made and maintained as Base Rate Loans,

            (ii) may be repaid and reborrowed in accordance with the provisions
      hereof,

            (iii) shall not exceed in aggregate principal amount at any time
      outstanding, when combined with the aggregate principal amount of all
      Revolving Loans then outstanding and the aggregate amount of all Letter of
      Credit Outstandings at such time, an amount equal to the Total Revolving
      Loan Commitment at such time, and

            (iv) shall not exceed in aggregate principal amount at any time
      outstanding the Maximum Swingline Amount.

Notwithstanding anything to the contrary contained in this Section 1.01(d), (i)
the Swingline Lender shall not be obligated to make any Swingline Loans at a
time when a Lender Default exists unless the Swingline Lender has entered into
arrangements satisfactory to it and the

                                      -3-
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Borrower to eliminate the Swingline Lender's risk with respect to the Defaulting
Lender's or Lenders' participation in such Swingline Loans, including by cash
collateralizing such Defaulting Lender's or Lenders' RL Percentage of the
outstanding Swingline Loans and (ii) the Swingline Lender shall not make any
Swingline Loan after it has received written notice from the Borrower or the
Required Lenders stating that a Default or an Event of Default exists and is
continuing until such time as the Swingline Lender shall have received written
notice (A) of rescission of all such notices from the party or parties
originally delivering such notice or notices or (B) of the waiver of such
Default or Event of Default by the Required Lenders.

      (e) Refunding of Swingline Loans. On any Business Day, the Swingline
Lender may, in its sole discretion, give notice to the RL Lenders that the
Swingline Lender's outstanding Swingline Loans shall be funded with one or more
Borrowings of Revolving Loans (provided that such notice shall be deemed to have
been automatically given upon the occurrence of a Default or an Event of Default
under Section 10.05 or upon the exercise of any of the remedies provided in the
last paragraph of Section 10), in which case one or more Borrowings of Revolving
Loans constituting Base Rate Loans (each such Borrowing, a "Mandatory
Borrowing") shall be made on the immediately succeeding Business Day by all RL
Lenders pro rata based on each such RL Lender's RL Percentage (determined before
giving effect to any termination of the Revolving Loan Commitments pursuant to
the last paragraph of Section 10) and the proceeds thereof shall be applied
directly by the Swingline Lender to repay the Swingline Lender for such
outstanding Swingline Loans. Each RL Lender hereby irrevocably agrees to make
Revolving Loans upon one Business Day's notice pursuant to each Mandatory
Borrowing in the amount and in the manner specified in the preceding sentence
and on the date specified in writing by the Swingline Lender notwithstanding

            (i) the amount of the Mandatory Borrowing may not comply with the
      Minimum Borrowing Amount otherwise required hereunder,

            (ii) whether any conditions specified in Section 6 are then
      satisfied,

            (iii) whether a Default or an Event of Default then exists,

            (iv) the date of such Mandatory Borrowing, and

            (v) the amount of the Total Revolving Loan Commitment at such time.

In the event that any Mandatory Borrowing cannot for any reason be made on the
date otherwise required above (including, without limitation, as a result of the
commencement of a proceeding under the Bankruptcy Code with respect to the
Borrower), then each RL Lender hereby agrees that it shall forthwith purchase
(as of the date the Mandatory Borrowing would otherwise have occurred, but
adjusted for any payments received from the Borrower on or after such date and
prior to such purchase) from the Swingline Lender such participations in the
outstanding Swingline Loans as shall be necessary to cause the RL Lenders to
share in such Swingline Loans ratably based upon their respective RL Percentages
(determined before giving effect to any termination of the Revolving Loan
Commitments pursuant to the last paragraph of Section 10), provided that (x) all
interest payable on the Swingline Loans shall be for the account of the
Swingline Lender until the date as of which the respective participation is
required to be

                                      -4-
<PAGE>
purchased and, to the extent attributable to the purchased participation, shall
be payable to the participant from and after such date and (y) at the time any
purchase of participations pursuant to this sentence is actually made, the
purchasing RL Lender shall be required to pay the Swingline Lender interest on
the principal amount of participation purchased for each day from and including
the day upon which the Mandatory Borrowing would otherwise have occurred to but
excluding the date of payment for such participation, at the overnight Federal
Funds Rate for the first three days and at the rate otherwise applicable to
Revolving Loans maintained as Base Rate Loans hereunder for each day thereafter.

      1.02. Minimum Amount of Each Borrowing. The aggregate principal amount of
each Borrowing of Loans under a respective Tranche shall not be less than the
Minimum Borrowing Amount applicable to such Tranche. More than one Borrowing may
occur on the same date, but at no time shall there be outstanding more than
fifteen Borrowings of Eurodollar Loans in the aggregate.

      1.03. Notice of Borrowing.

      (a) Whenever the Borrower desires to incur (x) Eurodollar Loans hereunder,
the Borrower shall give the Administrative Agent at the Notice Office at least
three Business Days' prior notice of each Eurodollar Loan to be incurred
hereunder and (y) Base Rate Loans hereunder (excluding Swingline Loans and
Revolving Loans made pursuant to a Mandatory Borrowing), the Borrower shall give
the Administrative Agent at the Notice Office at least one Business Day's prior
notice of each Base Rate Loan to be incurred hereunder, provided that (in each
case) any such notice shall be deemed to have been given on a certain day only
if given before 10:00 A.M. (Chicago time) on such day. Each such notice (each a
"Notice of Borrowing"), except as otherwise expressly provided in Section 1.10,
shall be irrevocable and shall be given by the Borrower in writing, or by
telephone promptly confirmed in writing, in the form of Exhibit A, appropriately
completed to specify the aggregate principal amount of the Loans to be incurred
pursuant to such Borrowing, the date of such Borrowing (which shall be a
Business Day), whether the Loans being incurred pursuant to such Borrowing shall
constitute Tranche A Term Loans, Tranche B Term Loans or Revolving Loans and
whether the Loans being incurred pursuant to such Borrowing are to be initially
maintained as Base Rate Loans or, to the extent permitted hereunder, Eurodollar
Loans and, if Eurodollar Loans, the initial Interest Period to be applicable
thereto. The Administrative Agent shall promptly give each Lender which is
required to make Loans of the Tranche specified in the respective Notice of
Borrowing, notice of such proposed Borrowing, of such Lender's proportionate
share thereof and of the other matters required by the immediately preceding
sentence to be specified in the Notice of Borrowing.

      (b) (i) Whenever the Borrower desires to incur Swingline Loans hereunder,
the Borrower shall give the Swingline Lender no later than 12:00 Noon (Chicago
time) on the date that a Swingline Loan is to be incurred, written notice or
telephonic notice promptly confirmed in writing of each Swingline Loan to be
incurred hereunder. Each such notice shall be irrevocable and specify in each
case (A) the date of Borrowing (which shall be a Business Day) and (B) the
aggregate principal amount of the Swingline Loans to be incurred pursuant to
such Borrowing.

                                      -5-
<PAGE>
      (ii) Mandatory Borrowings shall be made upon the notice specified in
Section 1.01(e), with the Borrower irrevocably agreeing, by its incurrence of
any Swingline Loan, to the making of the Mandatory Borrowings as set forth in
Section 1.01(e).

      (c) Without in any way limiting the obligation of the Borrower to confirm
in writing any telephonic notice of any Borrowing or prepayment of Loans, the
Administrative Agent or the Swingline Lender, as the case may be, may act
without liability upon the basis of telephonic notice of such Borrowing or
prepayment, as the case may be, believed by the Administrative Agent or the
Swingline Lender, as the case may be, in good faith to be from the Chairman of
the Board, the President, the Chief Financial Officer, the Treasurer or any
Assistant Treasurer of the Borrower, or from any other authorized officer of the
Borrower designated in writing by the Borrower to the Administrative Agent as
being authorized to give such notices, prior to receipt of written confirmation.
In each such case, the Borrower hereby waives the right to dispute the
Administrative Agent's or Swingline Lender's record of the terms of such
telephonic notice of such Borrowing or prepayment of Loans, as the case may be,
absent manifest error.

      1.04. Disbursement of Funds. No later than 11:00 A.M. (Chicago time) on
the date specified in each Notice of Borrowing (or (x) in the case of Swingline
Loans, no later than 2:00 P.M. (Chicago time) on the date specified pursuant to
Section 1.03(b)(i) or (y) in the case of Mandatory Borrowings, no later than
12:00 Noon (Chicago time) on the date specified in Section 1.01(e)), each Lender
with a Commitment of the respective Tranche will make available its pro rata
portion (determined in accordance with Section 1.07) of each such Borrowing
requested to be made on such date (or in the case of Swingline Loans, the
Swingline Lender will make available the full amount thereof). All such amounts
will be made available in Dollars and in immediately available funds at the
Payment Office, and the Administrative Agent will, except in the case of
Revolving Loans made pursuant to a Mandatory Borrowing, make available to the
Borrower at the Payment Office the aggregate of the amounts so made available by
the Lenders. Unless the Administrative Agent shall have been notified by any
Lender prior to the date of Borrowing that such Lender does not intend to make
available to the Administrative Agent such Lender's portion of any Borrowing to
be made on such date, the Administrative Agent may assume that such Lender has
made such amount available to the Administrative Agent on such date of Borrowing
and the Administrative Agent may (but shall not be obligated to), in reliance
upon such assumption, make available to the Borrower a corresponding amount. If
such corresponding amount is not in fact made available to the Administrative
Agent by such Lender, the Administrative Agent shall be entitled to recover such
corresponding amount on demand from such Lender. If such Lender does not pay
such corresponding amount forthwith upon the Administrative Agent's demand
therefor, the Administrative Agent shall promptly notify the Borrower and the
Borrower shall immediately pay such corresponding amount to the Administrative
Agent. The Administrative Agent also shall be entitled to recover on demand from
such Lender or the Borrower, as the case may be, interest on such corresponding
amount in respect of each day from the date such corresponding amount was made
available by the Administrative Agent to the Borrower until the date such
corresponding amount is recovered by the Administrative Agent, at a rate per
annum equal to (i) if recovered from such Lender, the overnight Federal Funds
Rate for the first three days and at the interest rate otherwise applicable to
such Loans for each day thereafter and (ii) if recovered from the Borrower, the
rate of interest applicable to the respective Borrowing, as determined pursuant
to Section 1.08. Nothing in this

                                      -6-
<PAGE>
Section 1.04 shall be deemed to relieve any Lender from its obligation to make
Loans hereunder or to prejudice any rights which the Borrower may have against
any Lender as a result of any failure by such Lender to make Loans hereunder.

      1.05. Notes.

      (a) The Borrower's obligation to pay the principal of, and interest on,
the Loans made by each Lender shall be evidenced in the Register maintained by
the Administrative Agent pursuant to Section 13.15 and shall, if requested by
such Lender, also be evidenced (i) if Tranche A Term Loans, by a promissory note
duly executed and delivered by the Borrower substantially in the form of Exhibit
B-1, with blanks appropriately completed in conformity herewith (each a "Tranche
A Term Note" and, collectively, the "Tranche A Term Notes"), (ii) if Tranche B
Term Loans, by a promissory note duly executed and delivered by the Borrower
substantially in the form of Exhibit B-2, with blanks appropriately completed in
conformity herewith (each a "Tranche B Term Note" and, collectively, the
"Tranche B Term Notes"), (iii) if Revolving Loans, by a promissory note duly
executed and delivered by the Borrower substantially in the form of Exhibit B-3,
with blanks appropriately completed in conformity herewith (each a "Revolving
Note" and, collectively, the "Revolving Notes"), and (iv) if Swingline Loans, by
a promissory note duly executed and delivered by the Borrower substantially in
the form of Exhibit B-4, with blanks appropriately completed in conformity
herewith (the "Swingline Note").

      (b) The Tranche A Term Note issued to each Lender that has a Tranche A
Term Loan Commitment or outstanding Tranche A Term Loans shall (i) be executed
by the Borrower, (ii) be payable to such Lender or its registered assigns and be
dated the Initial Borrowing Date (or, if issued after the Initial Borrowing
Date, be dated the date of issuance thereof), (iii) be in a stated principal
amount equal to the Tranche A Term Loans made by such Lender on the Initial
Borrowing Date (or, if issued after the Initial Borrowing Date, be in a stated
principal amount equal to the outstanding principal amount of Tranche A Term
Loans of such Lender at such time) and be payable in the outstanding principal
amount of Tranche A Term Loans evidenced thereby, (iv) mature on the Tranche A
Term Loan Maturity Date, (v) bear interest as provided in the appropriate clause
of Section 1.08 in respect of the Base Rate Loans and Eurodollar Loans, as the
case may be, evidenced thereby, (vi) be subject to voluntary prepayment as
provided in Section 4.01, and mandatory repayment as provided in Section 4.02,
and (vii) be entitled to the benefits of this Agreement and the other Credit
Documents.

      (c) The Tranche B Term Note issued to each Lender that has a Tranche B
Term Loan Commitment or outstanding Tranche B Term Loans shall (i) be executed
by the Borrower, (ii) be payable to such Lender or its registered assigns and be
dated the Initial Borrowing Date (or, if issued after the Initial Borrowing
Date, be dated the date of the issuance thereof), (iii) be in a stated principal
amount equal to the Tranche B Term Loans made by such Lender on the Initial
Borrowing Date (or, if issued after the Initial Borrowing Date, be in a stated
principal amount equal to the outstanding Tranche B Term Loans of such Lender at
such time) and be payable in the outstanding principal amount of Tranche B Term
Loans evidenced thereby, (iv) mature on the Tranche B Term Loan Maturity Date,
(v) bear interest as provided in the appropriate clause of Section 1.08 in
respect of the Base Rate Loans and Eurodollar Loans, as the case may be,
evidenced thereby, (vi) be subject to voluntary prepayment as provided in
Section 4.01, and

                                      -7-
<PAGE>
mandatory repayment as provided in Section 4.02, and (vii) be entitled to the
benefits of this Agreement and the other Credit Documents.

      (d) The Revolving Note issued to each Lender that has a Revolving Loan
Commitment or outstanding Revolving Loans shall (i) be executed by the Borrower,
(ii) be payable to such Lender or its registered assigns and be dated the
Initial Borrowing Date (or, if issued after the Initial Borrowing Date, be dated
the date of the issuance thereof), (iii) be in a stated principal amount equal
to the Revolving Loan Commitment of such Lender (or, if issued after the
termination thereof, be in a stated principal amount equal to the outstanding
Revolving Loans of such Lender at such time) and be payable in the outstanding
principal amount of the Revolving Loans evidenced thereby, (iv) mature on the
Revolving Loan Maturity Date, (v) bear interest as provided in the appropriate
clause of Section 1.08 in respect of the Base Rate Loans and Eurodollar Loans,
as the case may be, evidenced thereby, (vi) be subject to voluntary prepayment
as provided in Section 4.01, and mandatory repayment as provided in Section
4.02, and (vii) be entitled to the benefits of this Agreement and the other
Credit Documents.

      (e) The Swingline Note issued to the Swingline Lender shall (i) be
executed by the Borrower, (ii) be payable to the Swingline Lender or its
registered assigns and be dated the Initial Borrowing Date, (iii) be in a stated
principal amount equal to the Maximum Swingline Amount and be payable in the
outstanding principal amount of the Swingline Loans evidenced thereby from time
to time, (iv) mature on the Swingline Expiry Date, (v) bear interest as provided
in the appropriate clause of Section 1.08 in respect of the Base Rate Loans
evidenced thereby, (vi) be subject to voluntary prepayment as provided in
Section 4.01, and mandatory repayment as provided in Section 4.02, and (vii) be
entitled to the benefits of this Agreement and the other Credit Documents.

      (f) Each Lender will note on its internal records the amount of each Loan
made by it and each payment in respect thereof and will prior to any transfer of
any of its Notes endorse on the reverse side thereof the outstanding principal
amount of Loans evidenced thereby. Failure to make any such notation or any
error in such notation shall not affect the Borrower's obligations in respect of
such Loans.

      1.06. Conversions. The Borrower shall have the option to convert on any
Business Day occurring on or after the earlier of (x) March 15, 2002 and (y) the
Syndication Date, all or a portion equal to at least the Minimum Borrowing
Amount of the outstanding principal amount of Loans (other than Swingline Loans
which may not be converted pursuant to this Section 1.06) made pursuant to one
or more Borrowings (so long as of the same Tranche) of one or more Types of
Loans into a Borrowing (of the same Tranche) of another Type of Loan, provided
that,

            (i) except as otherwise provided in Section 1.10(b), Eurodollar
      Loans may be converted into Base Rate Loans only on the last day of an
      Interest Period applicable to the Loans being converted and no such
      partial conversion of Eurodollar Loans shall reduce the outstanding
      principal amount of such Eurodollar Loans made pursuant to a single
      Borrowing to less than the Minimum Borrowing Amount applicable thereto,

                                      -8-
<PAGE>
            (ii) unless the Required Lenders otherwise agree, Base Rate Loans
      may only be converted into Eurodollar Loans if no Default or Event of
      Default is in existence on the date of the conversion,

            (iii) unless the Administrative Agent has determined that the
      Syndication Date has occurred (at which time this clause (iii) shall no
      longer be applicable), prior to the 28th day after the Initial Borrowing
      Date, conversions of Base Rate Loans into Eurodollar Loans may only be
      made if any such conversion is effective on the first day of the first,
      second or third Interest Period referred to in clause (B) of the proviso
      in each of Sections 1.01(a)(ii), 1.01(b)(ii) and 1.01(c)(i) and so long as
      such conversion does not result in a greater number of Borrowings of
      Eurodollar Loans prior to the 28th day after the Initial Borrowing Date as
      are permitted under such Sections, and

            (iv) no conversion pursuant to this Section 1.06 shall result in a
      greater number of Borrowings of Eurodollar Loans than is permitted under
      Section 1.02.

Each such conversion shall be effected by the Borrower by giving the
Administrative Agent at the Notice Office prior to 10:00 A.M. (Chicago time) at
least three Business Days' prior notice (each a "Notice of Conversion")
specifying the Loans to be so converted, the Borrowing or Borrowings pursuant to
which such Loans were made and, if to be converted into Eurodollar Loans, the
Interest Period to be initially applicable thereto. The Administrative Agent
shall give each Lender prompt notice of any such proposed conversion affecting
any of its Loans. Upon any such conversion the proceeds thereof will be deemed
to be applied directly on the day of such conversion to prepay the outstanding
principal amount of the Loans being converted.

      1.07. Pro Rata Borrowings. All Borrowings of Tranche A Term Loans, Tranche
B Term Loans and Revolving Loans under this Agreement shall be incurred from the
Lenders pro rata on the basis of their Tranche A Term Loan Commitments, Tranche
B Term Loan Commitments or Revolving Loan Commitments, as the case may be. It is
understood that no Lender shall be responsible for any default by any other
Lender of its obligation to make Loans hereunder and that each Lender shall be
obligated to make the Loans provided to be made by it hereunder, regardless of
the failure of any other Lender to make its Loans hereunder.

      1.08. Interest.

      (a) The Borrower agrees to pay interest in respect of the unpaid principal
amount of each Base Rate Loan from the date of Borrowing thereof until the
earlier of (i) the maturity thereof (whether by acceleration or otherwise) and
(ii) the conversion of such Base Rate Loan to a Eurodollar Loan pursuant to
Section 1.06 or 1.09, as applicable, at a rate per annum which shall be equal to
the sum of the Applicable Margin plus the Base Rate each as in effect from time
to time.

      (b) The Borrower agrees to pay interest in respect of the unpaid principal
amount of each Eurodollar Loan from the date of Borrowing thereof until the
earlier of (i) the maturity thereof (whether by acceleration or otherwise) and
(ii) the conversion of such Eurodollar Loan to a Base Rate Loan pursuant to
Section 1.06, 1.09 or 1.10, as applicable, at a rate per annum which shall,

                                      -9-
<PAGE>
during each Interest Period applicable thereto, be equal to the sum of the
Applicable Margin plus the Eurodollar Rate for such Interest Period.

      (c) Overdue principal and, to the extent permitted by law, overdue
interest in respect of each Loan shall, in each case, bear interest at a rate
per annum equal to the greater of (x) the rate which is 2% in excess of the rate
then borne by such Loans and (y) the rate which is 2% in excess of the rate
otherwise applicable to Base Rate Loans of the respective Tranche from time to
time, and all other overdue amounts payable hereunder or under any other Credit
Document shall bear interest at a rate per annum equal to the rate which is 2%
in excess of the rate applicable to Revolving Loans maintained as Base Rate
Loans from time to time. Interest which accrues under this Section 1.08(c) shall
be payable on demand.

      (d) Accrued (and theretofore unpaid) interest shall be payable (i) in
respect of each Base Rate Loan, quarterly in arrears on each Quarterly Payment
Date, (ii) in respect of each Eurodollar Loan, on the last day of each Interest
Period applicable thereto and, in the case of an Interest Period in excess of
three months, on each date occurring at three month intervals after the first
day of such Interest Period, and (iii) in respect of each Loan, on any repayment
or prepayment (on the amount repaid or prepaid), at maturity (whether by
acceleration or otherwise) and, after such maturity, on demand; provided,
however, that in the case of Base Rate Loans, interest shall not be payable
pursuant to preceding clause (iii) at the time of any repayment or prepayment
thereof (but shall otherwise be payable as provided in preceding clause (i))
unless the respective repayment or prepayment is made either in conjunction with
a permanent reduction of the Total Revolving Loan Commitment or with a repayment
or prepayment in full of all outstanding Loans of the respective Tranche.

      (e) Upon each Interest Determination Date, the Administrative Agent shall
determine the Eurodollar Rate for each Interest Period applicable to the
respective Eurodollar Loans and shall promptly notify the Borrower and the
Lenders thereof. Each such determination shall, absent manifest error, be final
and conclusive and binding on all parties hereto.

      1.09. Interest Periods. At the time the Borrower gives any Notice of
Borrowing or Notice of Conversion in respect of the making of, or conversion
into, any Eurodollar Loan (in the case of the initial Interest Period applicable
thereto) or prior to 10:00 A.M. (Chicago time) on the third Business Day prior
to the expiration of an Interest Period applicable to such Eurodollar Loan (in
the case of any subsequent Interest Period), the Borrower shall have the right
to elect, by giving the Administrative Agent notice thereof, the interest period
(each an "Interest Period") applicable to such Eurodollar Loan, which Interest
Period shall, at the option of the Borrower (but otherwise subject to clause (B)
of the proviso to Sections 1.01(a)(ii), 1.01(b)(ii) and 1.01(c)(i) and to clause
(iii) of the proviso to Section 1.06), be a one, two, three or six month period
and, if prior to the earlier of the Syndication Date and March 15, 2002, a 7-day
period, provided that (in each case):

            (i) all Eurodollar Loans comprising a Borrowing shall at all times
      have the same Interest Period;

            (ii) the initial Interest Period for any Eurodollar Loan shall
      commence on the date of Borrowing of such Eurodollar Loan (including the
      date of any

                                      -10-
<PAGE>
      conversion thereto from a Base Rate Loan) and each Interest Period
      occurring thereafter in respect of such Eurodollar Loan shall commence on
      the day on which the next preceding Interest Period applicable thereto
      expires;

            (iii) if any Interest Period for a Eurodollar Loan begins on a day
      for which there is no numerically corresponding day in the calendar month
      at the end of such Interest Period, such Interest Period shall end on the
      last Business Day of such calendar month;

            (iv) if any Interest Period for a Eurodollar Loan would otherwise
      expire on a day which is not a Business Day, such Interest Period shall
      expire on the next succeeding Business Day; provided, however, that if any
      Interest Period for a Eurodollar Loan would otherwise expire on a day
      which is not a Business Day but is a day of the month after which no
      further Business Day occurs in such month, such Interest Period shall
      expire on the next preceding Business Day;

            (v) unless the Required Lenders otherwise agree, no Interest Period
      may be selected at any time when a Default or an Event of Default is then
      in existence;

            (vi) no Interest Period in respect of any Borrowing of any Tranche
      of Loans shall be selected which extends beyond the respective Maturity
      Date for such Tranche of Loans; and

            (vii) no Interest Period in respect of any Borrowing of Tranche A
      Term Loans or Tranche B Term Loans, as the case may be, shall be selected
      which extends beyond any date upon which a mandatory repayment of such
      Tranche of Term Loans will be required to be made under Section 4.02(b)(i)
      or (ii), as the case may be, if the aggregate principal amount of Tranche
      A Term Loans or Tranche B Term Loans, as the case may be, which have
      Interest Periods which will expire after such date will be in excess of
      the aggregate principal amount of Tranche A Term Loans or Tranche B Term
      Loans, as the case may be, then outstanding less the aggregate amount of
      such required repayment.

      If upon the expiration of any Interest Period applicable to a Borrowing of
Eurodollar Loans, the Borrower has failed to elect, or is not permitted to
elect, a new Interest Period to be applicable to such Eurodollar Loans as
provided above, the Borrower shall be deemed to have elected to convert such
Eurodollar Loans into Base Rate Loans effective as of the expiration date of
such current Interest Period.

      1.10. Increased Costs, Illegality, etc.

      (a) In the event that any Lender shall have determined (which
determination shall, absent manifest error, be final and conclusive and binding
upon all parties hereto but, with respect to clause (i) below, may be made only
by the Administrative Agent):

            (i) on any Interest Determination Date that, by reason of any
      changes arising after the date of this Agreement affecting the interbank
      Eurodollar market,

                                      -11-
<PAGE>
      adequate and fair means do not exist for ascertaining the applicable
      interest rate on the basis provided for in the definition of Eurodollar
      Rate; or

            (ii) at any time, that such Lender shall incur increased costs or
      reductions in the amounts received or receivable hereunder with respect to
      any Eurodollar Loan because of (x) any change since the Effective Date in
      any applicable law or governmental rule, regulation, order, guideline or
      request (whether or not having the force of law) or in the interpretation
      or administration thereof and including the introduction of any new law or
      governmental rule, regulation, order, guideline or request, such as, for
      example, but not limited to: (A) a change in the basis of taxation of
      payment to any Lender of the principal of or interest on the Loans or the
      Notes or any other amounts payable hereunder (except for changes in the
      rate of tax on, or determined by reference to, the net income or profits
      of such Lender pursuant to the laws of the jurisdiction in which it is
      organized or in which its principal office or applicable lending office is
      located or any subdivision thereof or therein) or (B) a change in official
      reserve requirements, but, in all events, excluding reserves required
      under Regulation D to the extent included in the computation of the
      Eurodollar Rate and/or (y) other circumstances arising since the Effective
      Date affecting such Lender, the interbank Eurodollar market or the
      position of such Lender in such market; or

            (iii) at any time, that the making or continuance of any Eurodollar
      Loan has been made (x) unlawful by any law or governmental rule,
      regulation or order, (y) impossible by compliance by any Lender in good
      faith with any governmental request (whether or not having force of law)
      or (z) impracticable as a result of a contingency occurring after the
      Effective Date which materially and adversely affects the interbank
      Eurodollar market;

then, and in any such event, such Lender (or the Administrative Agent, in the
case of clause (i) above) shall promptly give notice (by telephone promptly
confirmed in writing) to the Borrower and, except in the case of clause (i)
above, to the Administrative Agent of such determination (which notice the
Administrative Agent shall promptly transmit to each of the other Lenders).
Thereafter (x) in the case of clause (i) above, Eurodollar Loans shall no longer
be available until such time as the Administrative Agent notifies the Borrower
and the Lenders that the circumstances giving rise to such notice by the
Administrative Agent no longer exist, and any Notice of Borrowing or Notice of
Conversion given by the Borrower with respect to Eurodollar Loans which have not
yet been incurred (including by way of conversion) shall be deemed rescinded by
the Borrower, (y) in the case of clause (ii) above, the Borrower shall, subject
to Section 1.14, pay to such Lender, upon such Lender's written request
therefor, such additional amounts (in the form of an increased rate of, or a
different method of calculating, interest or otherwise as such Lender in its
sole discretion shall determine) as shall be required to compensate such Lender
for such increased costs or reductions in amounts received or receivable
hereunder (a written notice as to the additional amounts owed to such Lender,
showing in reasonable detail the basis for the calculation thereof, submitted to
the Borrower by such Lender shall, absent manifest error, be final and
conclusive and binding on all the parties hereto) and

                                      -12-
<PAGE>
(z) in the case of clause (iii) above, the Borrower shall take one of the
actions specified in Section 1.10(b) as promptly as possible and, in any event,
within the time period required by law.

      (b) At any time that any Eurodollar Loan is affected by the circumstances
described in Section 1.10(a)(ii) or (iii), the Borrower may (and in the case of
a Eurodollar Loan affected by the circumstances described in Section
1.10(a)(iii) shall) either (x) if the affected Eurodollar Loan is then being
made initially or pursuant to a conversion, cancel such Borrowing by giving the
Administrative Agent telephonic notice (confirmed in writing) on the same date
that the Borrower was notified by the affected Lender or the Administrative
Agent pursuant to Section 1.10(a)(ii) or (iii) or (y) if the affected Eurodollar
Loan is then outstanding, upon at least three Business Days' written notice to
the Administrative Agent, require the affected Lender to convert such Eurodollar
Loan into a Base Rate Loan, provided that, if more than one Lender is affected
at any time, then all affected Lenders must be treated the same pursuant to this
Section 1.10(b).

      (c) If any Lender determines that after the Effective Date the
introduction of or any change in any applicable law or governmental rule,
regulation, order, guideline, directive or request (whether or not having the
force of law) concerning capital adequacy, or any change in interpretation or
administration thereof by the NAIC or any governmental authority, central bank
or comparable agency, will have the effect of increasing the amount of capital
required or expected to be maintained by such Lender or any corporation
controlling such Lender based on the existence of such Lender's Commitments
hereunder or its obligations hereunder, then the Borrower shall, subject to
Section 1.14, pay to such Lender, upon its written demand therefor, such
additional amounts as shall be required to compensate such Lender or such other
corporation for the increased cost to such Lender or such other corporation or
the reduction in the rate of return to such Lender or such other corporation as
a result of such increase of capital. In determining such additional amounts,
each Lender will act reasonably and in good faith and will use averaging and
attribution methods which are reasonable, provided that such Lender's
determination of compensation owing under this Section 1.10(c) shall, absent
manifest error, be final and conclusive and binding on all the parties hereto.
Each Lender, upon determining that any additional amounts will be payable
pursuant to this Section 1.10(c), will give prompt written notice thereof to the
Borrower, which notice shall show in reasonable detail the basis for calculation
of such additional amounts.

      1.11. Compensation. The Borrower shall compensate each Lender, upon its
written request (which request shall set forth in reasonable detail the basis
for requesting such compensation), for all reasonable losses, expenses and
liabilities (including, without limitation, any loss, expense or liability
incurred by reason of the liquidation or reemployment of deposits or other funds
required by such Lender to fund its Eurodollar Loans but excluding loss of
anticipated profits) which such Lender may sustain: (i) if for any reason (other
than a default by such Lender or the Administrative Agent) a Borrowing of, or
conversion from or into, Eurodollar Loans does not occur on a date specified
therefor in a Notice of Borrowing or Notice of Conversion (whether or not
withdrawn by the Borrower or deemed withdrawn pursuant to Section 1.10(a)); (ii)
if any repayment (including any repayment made pursuant to Section 4.01, Section
4.02 or as a result of an acceleration of the Loans pursuant to Section 10) or
conversion of any of its Eurodollar Loans occurs on a date which is not the last
day of an Interest Period

                                      -13-
<PAGE>
with respect thereto; (iii) if any prepayment of any of its Eurodollar Loans is
not made on any date specified in a notice of prepayment given by the Borrower;
or (iv) as a consequence of (x) any other default by the Borrower to repay its
Eurodollar Loans when required by the terms of this Agreement or any Note held
by such Lender or (y) any election made pursuant to Section 1.10(b).

      1.12. Change of Lending Office. Each Lender agrees that on the occurrence
of any event giving rise to the operation of Section 1.10(a)(ii) or (iii),
Section 1.10(c), Section 2.06 or Section 4.04 with respect to such Lender, it
will, if requested by the Borrower, use reasonable efforts (subject to overall
policy considerations of such Lender) to designate another lending office for
any Loans or Letters of Credit affected by such event, provided that such
designation is made on such terms that such Lender and its lending office suffer
no economic, legal or regulatory disadvantage, with the object of avoiding the
consequence of the event giving rise to the operation of such Section. Nothing
in this Section 1.12 shall affect or postpone any of the obligations of the
Borrower or the right of any Lender provided in Sections 1.10, 2.06 and 4.04.

      1.13. Replacement of Lenders. (x) If any Lender becomes a Defaulting
Lender or otherwise defaults in its obligations to make Loans, (y) upon the
occurrence of an event giving rise to the operation of Section 1.10(a)(ii) or
(iii), Section 1.10(c), Section 2.06 or Section 4.04 with respect to any Lender
which results in such Lender charging to the Borrower increased costs in excess
of those being generally charged by the other Lenders or (z) in the case of a
refusal by a Lender to consent to certain proposed changes, waivers, discharges
or terminations with respect to this Agreement which have been approved by the
Required Lenders as (and to the extent) provided in Section 13.12(b), the
Borrower shall have the right, if no Default or Event of Default then exists
(or, in the case of preceding clause (z), no Default or Event of Default will
exist immediately after giving effect to such replacement), to replace such
Lender (the "Replaced Lender") with one or more other Eligible Transferees, none
of whom shall constitute a Defaulting Lender at the time of such replacement
(collectively, the "Replacement Lender") and each of whom shall be required to
be reasonably acceptable to the Administrative Agent, provided that:

            (i) at the time of any replacement pursuant to this Section 1.13,
      the Replacement Lender shall enter into one or more Assignment and
      Assumption Agreements pursuant to Section 13.04(b) (and with all fees
      payable pursuant to said Section 13.04(b) to be paid by the Replacement
      Lender) pursuant to which the Replacement Lender shall acquire all of the
      Commitments and outstanding Loans of, and in each case participations in
      Letters of Credit by, the Replaced Lender and, in connection therewith,
      shall pay to (x) the Replaced Lender in respect thereof an amount equal to
      the sum of (I) an amount equal to the principal of, and all accrued
      interest on, all outstanding Loans of the Replaced Lender, (II) an amount
      equal to all Unpaid Drawings that have been funded by (and not reimbursed
      to) such Replaced Lender, together with all then unpaid interest with
      respect thereto at such time, and (III) an amount equal to all accrued,
      but theretofore unpaid, Fees owing to the Replaced Lender pursuant to
      Section 3.01, (y) the Issuing Lender an amount equal to such Replaced
      Lender's RL Percentage of any Unpaid Drawing (which at such time remains
      an Unpaid Drawing) to the extent such amount was not theretofore funded by
      such Replaced Lender to the Issuing Lender and (z) the Swingline Lender an
      amount

                                      -14-
<PAGE>
      equal to such Replaced Lender's RL Percentage of any Mandatory Borrowing
      to the extent such amount was not theretofore funded by such Replaced
      Lender to the Swingline Lender, and

            (ii) all obligations of the Borrower due and owing to the Replaced
      Lender at such time (other than those specifically described in clause (i)
      above in respect of which the assignment purchase price has been, or is
      concurrently being, paid) shall be paid in full to such Replaced Lender
      concurrently with such replacement.

Upon the execution of the respective Assignment and Assumption Agreement, the
payment of amounts referred to in clauses (i) and (ii) above and, if so
requested by the Replacement Lender, delivery to the Replacement Lender of the
appropriate Note or Notes executed by the Borrower, the Replacement Lender shall
become a Lender hereunder and the Replaced Lender shall cease to constitute a
Lender hereunder, except with respect to indemnification provisions under this
Agreement (including, without limitation, Sections 1.10, 1.11, 2.06, 4.04, 12.06
and 13.01), which shall survive as to such Replaced Lender.

      1.14. Limitation on Additional Amounts. Notwithstanding anything to the
contrary contained in Section 1.10 or 2.06, unless a Lender gives notice to the
Borrower that the Borrower is obligated to pay any amount under Section 1.10 or
2.06 within 180 days after the later of (x) the date such Lender incurs the
respective increased costs or reduction in the rate of return or (y) the date
such Lender has actual knowledge of its incurrence of the respective increased
costs or reduction in the rate of return, such Lender shall only be entitled to
be compensated for such amount by the Borrower pursuant to Section 1.10 or 2.06
to the extent the respective increased costs or reduction in the rate of return
are incurred or suffered on or after the date which occurs 180 days prior to
such Lender giving notice to the Borrower that it is obligated to pay the
respective amounts pursuant to Section 1.10 or 2.06. This Section 1.14 shall
have no applicability to any Section of this Agreement other than Sections 1.10
and 2.06.

      1.15. Facility Increases.

      (a) At any time prior to March 1, 2004, and provided that no Default or
Event of Default then exists, the Borrower may, from time to time, upon 15
Business Days' notice (prior to March 1, 2004) to the Administrative Agent
(which shall promptly notify the Lenders in writing), request an increase in the
Total Revolving Loan Commitment and/or the Total Tranche A Term Loan Commitment
(or Tranche A Term Loans if the Tranche A Term Loan Commitment has terminated
pursuant to Section 3.03(a)) (each, a "Facility Increase"); provided that the
aggregate of all Facility Increases shall not exceed $5,000,000. Each Lender
shall promptly (but in any event no later than 10 Business Days from the date
such Lender receives notification from the Administrative Agent) respond to the
Administrative Agent by written notice whether or not it is willing to
participate in such Facility Increase, and, if so, by what amount. To the extent
that there is any shortfall in the amount of a requested Facility Increase that
such Lenders are willing to provide, the Borrower may request, through the
Administrative Agent, that one or more new lenders ("New Lenders"), agree to
make up such shortfall. Each request or notice delivered to the Administrative
Agent by the Borrower and to the Lenders by the Administrative Agent under this
Section shall specify the time period within which the Administrative Agent and
the Lenders, respectively, are to respond. Any Lender not responding within such
time period to a

                                      -15-
<PAGE>
requested Facility Increase shall be deemed to have declined to participate
therein. The Administrative Agent shall notify the Borrower and each Lender of
the Lenders' responses to each request made hereunder.

      (b) To the extent that a Facility Increase is accepted by Lenders or New
Lenders in accordance with this Section, the Administrative Agent and the
Borrower shall determine the effective date thereof (a "Facility Increase
Date"). The Administrative Agent and the Borrower shall promptly confirm in
writing to the Lenders or proposed New Lenders the final allocation of the
Facility Increase and the Facility Increase Date. No Facility Increase shall
become effective until the Administrative Agent shall have received the
following items dated the Facility Increase Date in form and substance
acceptable to the Administrative Agent:

            (i) new or amended Notes reflecting the Facility Increase of any
      Lender or New Lender, as the case may be;

            (ii) a certificate signed by a Secretary or Assistant Secretary of
      the Borrower certifying and attaching the resolutions adopted by the
      Borrower approving or consenting to the Facility Increase;

            (iii) a certificate signed by the President, the Chief Financial
      Officer or any Vice President of the Borrower to the effect that before
      and after giving effect to the Facility Increase, (x) the representations
      and warranties contained in Section 7 are true and correct on and as of
      such Facility Increase Date and (y) no Default or Event of Default exists;
      and

            (iv) the Facility Increase Supplement provided for in Section
      1.15(d) below.

The Administrative Agent shall distribute an amended Schedule I (which shall be
incorporated into this Agreement) to reflect any changes therein.

      (c) The Total Revolving Loan Commitment shall not increase by more than
$2,000,000 pursuant to this Section 1.15. The Total Tranche A Term Loan
Commitment (or aggregate principal amount of Tranche A Term Loans, as the case
may be) shall not increase by more than $3,000,000 pursuant to this Section
1.15. Each Facility Increase shall be in a minimum amount of $1,000,000. No
Facility Increase shall be permitted to occur on or after March 31, 2004. There
shall not be more than three Facility Increases and the aggregate thereof shall
not exceed $5,000,000.

      (d) On or before each Facility Increase Date, each New Lender, if any,
regarding such Facility Increase shall execute and deliver to the Administrative
Agent a supplement ("Facility Increase Supplement") to this Agreement to the
effect that such New Lender agrees to be bound by and subject to the provisions
of this Agreement whereupon such New Lender shall automatically become a party
to this Agreement as a Lender. Each Lender shall also execute a Facility
Increase Supplement to evidence the increase in the Loan(s) or Commitment of
such Lender, as the case may be. The Facility Increase Supplement shall be in
form and substance satisfactory to the Administrative Agent and shall be
executed by the Borrower and the Administrative Agent.

                                      -16-
<PAGE>
      (e) Prior to each Facility Increase Date, the Borrower shall select
Interest Periods so that all Loans under the Loans or Borrowings to be increased
(i.e., Revolving Loans or Tranche A Term Loans as the case may be) shall have an
Interest Period which shall end on such Facility Increase Date. Each Facility
Increase shall be subject to such additional procedures as the Administrative
Agent shall require regarding the conversion of Loans and/or the setting of
Interest Periods so that concurrently with or within a reasonable time after
giving effect to such Facility Increase, the Borrowings of Revolving Loans or
Tranche A Term Loans, as the case may be, shall be allocated among the Lenders
in accordance with this Agreement.

                                   SECTION 2

                                LETTERS OF CREDIT

      2.01. Letters of Credit.

      (a) Subject to and upon the terms and conditions set forth herein, the
Borrower may request that the Issuing Lender issue, at any time and from time to
time on and after the Initial Borrowing Date and prior to the 30th day prior to
the Revolving Loan Maturity Date, for the account of the Borrower and for the
benefit of (x) any holder (or any trustee, agent or other similar representative
for any such holders) of L/C Supportable Obligations of the Borrower or any of
its Subsidiaries, an irrevocable standby letter of credit, in a form customarily
used by the Issuing Lender or in such other form as has been approved by the
Issuing Lender, and (y) sellers of goods to the Borrower or any of its
Subsidiaries, an irrevocable trade letter of credit, in a form customarily used
by the Issuing Lender or in such other form as has been approved by the Issuing
Lender (each such letter of credit, a "Letter of Credit" and, collectively, the
"Letters of Credit"). All Letters of Credit shall be denominated in Dollars and
shall be issued on a sight basis only.

      (b) Subject to and upon the terms and conditions set forth herein, the
Issuing Lender agrees that it will, at any time and from time to time on and
after the Initial Borrowing Date and prior to the 30th day prior to the
Revolving Loan Maturity Date, following its receipt of the respective Letter of
Credit Request, issue for the account of the Borrower, one or more Letters of
Credit as are permitted to remain outstanding hereunder without giving rise to a
Default or an Event of Default, provided that the Issuing Lender shall be under
no obligation to issue any Letter of Credit of the types described above if at
the time of such issuance:

            (i) any order, judgment or decree of any governmental authority or
      arbitrator shall purport by its terms to enjoin or restrain the Issuing
      Lender from issuing such Letter of Credit or any requirement of law
      applicable to the Issuing Lender or any request or directive (whether or
      not having the force of law) from any governmental authority with
      jurisdiction over the Issuing Lender shall prohibit, or request that the
      Issuing Lender refrain from, the issuance of letters of credit generally
      or such Letter of Credit in particular or shall impose upon the Issuing
      Lender with respect to such Letter of Credit any restriction or reserve or
      capital requirement (for which the Issuing Lender is not otherwise

                                      -17-
<PAGE>
      compensated hereunder) not in effect with respect to the Issuing Lender on
      the date hereof, or any unreimbursed loss, cost or expense which was not
      applicable or in effect with respect to the Issuing Lender as of the date
      hereof and which the Issuing Lender reasonably and in good faith deems
      material to it; or

            (ii) the Issuing Lender shall have received from the Borrower or the
      Required Lenders prior to the issuance of such Letter of Credit, notice of
      the type described in the second sentence of Section 2.03(b).

      2.02. Maximum Letter of Credit Outstandings; Final Maturities.
Notwithstanding anything to the contrary contained in this Agreement, (i) no
Letter of Credit shall be issued the Stated Amount of which, when added to the
Letter of Credit Outstandings (exclusive of Unpaid Drawings which are repaid on
the date of, and prior to the issuance of, the respective Letter of Credit) at
such time would exceed either (x) $10,000,000 or (y) when added to the sum of
(I) the aggregate principal amount of all Revolving Loans then outstanding and
(II) the aggregate principal amount of all Swingline Loans then outstanding, an
amount equal to the Total Revolving Loan Commitment at such time and (ii) each
Letter of Credit shall by its terms terminate on or before the earlier of (x)
(A) in the case of standby Letters of Credit, the date which occurs 12 months
after the date of the issuance thereof (although any such standby Letter of
Credit may be extendible for successive periods of up to 12 months, but, in each
case, not beyond the third Business Day prior to the Revolving Loan Maturity
Date, on terms acceptable to the Issuing Lender) and (B) in the case of trade
Letters of Credit, the date which occurs 180 days after the date of issuance
thereof, and (y) 30 days prior to the Revolving Loan Maturity Date.

      2.03. Letter of Credit Requests; Minimum Stated Amount.

      (a) Whenever the Borrower desires that a Letter of Credit be issued for
its account, the Borrower shall give the Administrative Agent and the Issuing
Lender at least five Business Days' (or such shorter period as is acceptable to
the Issuing Lender) written notice thereof (including by way of facsimile). Each
notice shall be in the form of Exhibit C, appropriately completed (each a
"Letter of Credit Request"). Further, in conjunction with each Letter of Credit
Request, Borrower shall submit an application and agreement for the issuance or
amendment of a Letter of Credit in the form from time to time in use by the
Issuing Lender.

      (b) The making of each Letter of Credit Request shall be deemed to be a
representation and warranty by the Borrower that such Letter of Credit may be
issued in accordance with, and will not violate the requirements of, Section
2.02. Unless the Issuing Lender has received notice from the Borrower or the
Required Lenders before it issues a Letter of Credit that one or more of the
conditions specified in Section 5 or 6 are not then satisfied, or that the
issuance of such Letter of Credit would violate Section 2.02, then the Issuing
Lender shall, subject to the terms and conditions of this Agreement, issue the
requested Letter of Credit for the account of the Borrower in accordance with
the Issuing Lender's usual and customary practices. Upon the issuance of or
modification or amendment to any standby Letter of Credit, the Issuing Lender
shall promptly notify the Administrative Agent and each Participant of such
issuance, modification or amendment as the case may be. Notwithstanding anything
to the contrary contained in this Agreement, in the event that a Lender Default
exists, the Issuing Lender shall

                                      -18-
<PAGE>
not be required to issue any Letter of Credit unless the Issuing Lender has
entered into arrangements satisfactory to it and the Borrower to eliminate the
Issuing Lender's risk with respect to the participation in Letters of Credit by
the Defaulting Lender or Lenders, including by cash collateralizing such
Defaulting Lender's or Lenders' RL Percentage of the Letter of Credit
Outstandings.

      (c) The initial Stated Amount of each Letter of Credit shall not be less
than $50,000 or such lesser amount as is acceptable to the Issuing Lender.

      2.04. Letter of Credit Participations.

      (a) Immediately upon the issuance by the Issuing Lender of any Letter of
Credit, the Issuing Lender shall be deemed to have sold and transferred to each
RL Lender, other than the Issuing Lender (each such Lender, in its capacity
under this Section 2.04, a "Participant"), and each such Participant shall be
deemed irrevocably and unconditionally to have purchased and received from the
Issuing Lender, without recourse or warranty, an undivided interest and
participation, to the extent of such Participant's RL Percentage, in such Letter
of Credit, each drawing or payment made thereunder and the obligations of the
Borrower under this Agreement with respect thereto, and any security therefor or
guaranty pertaining thereto. Upon any change in the Revolving Loan Commitments
or RL Percentages of the Lenders pursuant to Section 1.13 or 13.04(b), it is
hereby agreed that, with respect to all outstanding Letters of Credit and Unpaid
Drawings with respect thereto, there shall be an automatic adjustment to the
participations pursuant to this Section 2.04 to reflect the new RL Percentages
of the assignor and assignee Lender, as the case may be.

      (b) In determining whether to pay under any Letter of Credit, the Issuing
Lender shall not have an obligation relative to the other Lenders other than to
confirm that any documents required to be delivered under such Letter of Credit
appear to have been delivered and that they appear to substantially comply on
their face with the requirements of such Letter of Credit. Any action taken or
omitted to be taken by the Issuing Lender under or in connection with any Letter
of Credit shall not create for the Issuing Lender any resulting liability to the
Borrower, any other Credit Party, any Lender or any other Person unless such
action is taken or omitted to be taken with gross negligence or willful
misconduct (as determined by a court of competent jurisdiction in a final and
non-appealable decision).

      (c) In the event that the Issuing Lender makes any payment under any
Letter of Credit and the Borrower shall not have reimbursed such amount in full
to the Issuing Lender pursuant to Section 2.05(a), the Issuing Lender shall
promptly notify the Administrative Agent, which shall promptly notify each
Participant of such failure, and each Participant shall promptly and
unconditionally pay to the Issuing Lender the amount of such Participant's RL
Percentage of such unreimbursed payment in Dollars and in same day funds. If the
Administrative Agent so notifies, prior to 12:00 A.M. New York time on any
Business Day, any Participant required to fund a payment under a Letter of
Credit, such Participant shall make available to the Issuing Lender in Dollars
such Participant's RL Percentage of the amount of such payment on such Business
Day in same day funds. If and to the extent such Participant shall not have so
made its RL Percentage of the amount of such payment available to the Issuing
Lender, such Participant agrees to pay to the Issuing Lender, forthwith on
demand such amount, together with interest

                                      -19-
<PAGE>
thereon, for each day from such date until the date such amount is paid to the
Issuing Lender at the overnight Federal Funds Rate for the first three days and
at the interest rate applicable to Revolving Loans maintained as Base Rate Loans
for each day thereafter. The failure of any Participant to make available to the
Issuing Lender its RL Percentage of any payment under any Letter of Credit shall
not relieve any other Participant of its obligation hereunder to make available
to the Issuing Lender its RL Percentage of any payment under any Letter of
Credit on the date required, as specified above, but no Participant shall be
responsible for the failure of any other Participant to make available to the
Issuing Lender such other Participant's RL Percentage of any such payment.

      (d) Whenever the Issuing Lender receives a payment of a reimbursement
obligation as to which it has received any payments from the Participants
pursuant to clause (c) above, the Issuing Lender shall pay to each such
Participant which has paid its RL Percentage thereof, in Dollars and in same day
funds, an amount equal to such Participant's share (based upon the proportionate
aggregate amount originally funded by such Participant to the aggregate amount
funded by all Participants) of the principal amount of such reimbursement
obligation and interest thereon accruing after the purchase of the respective
participations.

      (e) Upon the request of any Participant, the Issuing Lender shall furnish
to such Participant copies of any Letter of Credit issued by it and such other
documentation as may reasonably be requested by such Participant.

      (f) The obligations of the Participants to make payments to the Issuing
Lender with respect to Letters of Credit issued by it shall be irrevocable and
not subject to any qualification or exception whatsoever and shall be made in
accordance with the terms and conditions of this Agreement under all
circumstances, including, without limitation, any of the following
circumstances:

            (i) any lack of validity or enforceability of this Agreement or any
      of the other Credit Documents;

            (ii) the existence of any claim, setoff, defense or other right
      which the Borrower or any of its Subsidiaries may have at any time against
      a beneficiary named in a Letter of Credit, any transferee of any Letter of
      Credit (or any Person for whom any such transferee may be acting), the
      Administrative Agent, any Participant, or any other Person, whether in
      connection with this Agreement, any Letter of Credit, the transactions
      contemplated herein or any unrelated transactions (including any
      underlying transaction between the Borrower or any Subsidiary of the
      Borrower and the beneficiary named in any such Letter of Credit);

            (iii) any draft, certificate or any other document presented under
      any Letter of Credit proving to be forged, fraudulent, invalid or
      insufficient in any respect or any statement therein being untrue or
      inaccurate in any respect;

                                      -20-
<PAGE>
            (iv) the surrender or impairment of any security for the performance
      or observance of any of the terms of any of the Credit Documents; or (v)
      the occurrence of any Default or Event of Default.

      2.05. Agreement to Repay Letter of Credit Drawings.

      (a) The Borrower agrees to reimburse the Issuing Lender, by making payment
to the Administrative Agent in immediately available funds at the Payment
Office, for any payment or disbursement made by the Issuing Lender under any
Letter of Credit (each such amount, so paid until reimbursed, an "Unpaid
Drawing"), not later than one Business Day following receipt by the Borrower of
notice of such payment or disbursement (provided that no such notice shall be
required to be given if a Default or an Event of Default under Section 10.05
shall have occurred and be continuing, in which case the Unpaid Drawing shall be
due and payable immediately without presentment, demand, protest or notice of
any kind (all of which are hereby waived by the Borrower)), with interest on the
amount so paid or disbursed by the Issuing Lender, to the extent not reimbursed
prior to 11:00 A.M. (Chicago time) on the date of such payment or disbursement,
from and including the date paid or disbursed to but excluding the date the
Issuing Lender was reimbursed by the Borrower therefor at a rate per annum equal
to the Base Rate in effect from time to time plus the Applicable Margin for
Revolving Loans maintained as Base Rate Loans; provided, however, to the extent
such amounts are not reimbursed prior to 11:00 A.M. (New York time) on the third
Business Day following the receipt by the Borrower of notice of such payment or
disbursement or following the occurrence of a Default or an Event of Default
under Section 10.05, interest shall thereafter accrue on the amounts so paid or
disbursed by the Issuing Lender (and until reimbursed by the Borrower) at a rate
per annum equal to the Base Rate in effect from time to time plus the Applicable
Margin for Revolving Loans maintained as Base Rate Loans plus 2%, with interest
to be payable on demand. The Issuing Lender shall give the Borrower prompt
notice of each Drawing under any Letter of Credit; provided that the failure to
give any such notice shall in no way affect, impair or diminish the Borrower's
obligations hereunder.

      (b) The obligations of the Borrower under this Section 2.05 to reimburse
the Issuing Lender with respect to drawings under Letters of Credit (each a
"Drawing") (including, in each case, interest thereon) shall be absolute and
unconditional under any and all circumstances and irrespective of any setoff,
counterclaim or defense to payment which the Borrower or any Subsidiary of the
Borrower may have or have had against the beneficiary or any Lender (including
in its capacity as the Issuing Lender or as a Participant), including, without
limitation, any defense based upon the failure of any drawing under a Letter of
Credit to conform to the terms of the Letter of Credit or any nonapplication or
misapplication by the beneficiary of the proceeds of such Drawing; provided,
however, that the Borrower shall not be obligated to reimburse the Issuing
Lender for any wrongful payment made by the Issuing Lender under a Letter of
Credit as a result of acts or omissions constituting willful misconduct or gross
negligence on the part of the Issuing Lender (as determined by a court of
competent jurisdiction in a final and non-appealable decision).

      2.06. Increased Costs. If at any time after the Effective Date, the
introduction of or any change in any applicable law, rule, regulation, order,
guideline or request or in the interpretation or administration thereof by the
NAIC or any governmental authority charged with the

                                      -21-
<PAGE>
interpretation or administration thereof, or compliance by the Issuing Lender or
any Participant with any request or directive by the NAIC or by any such
authority (whether or not having the force of law), shall either

            (i) impose, modify or make applicable any reserve, deposit, capital
      adequacy or similar requirement against letters of credit issued by the
      Issuing Lender or participated in by any Participant, or

            (ii) impose on the Issuing Lender or any Participant any other
      conditions relating, directly or indirectly, to this Agreement or any
      Letter of Credit;

and the result of any of the foregoing is to increase the cost to the Issuing
Lender or any Participant of issuing, maintaining or participating in any Letter
of Credit, or reduce the amount of any sum received or receivable by the Issuing
Lender or any Participant hereunder or reduce the rate of return on its capital
with respect to Letters of Credit (except for changes in the rate of tax on, or
determined by reference to, the net income or profits of the Issuing Lender or
such Participant pursuant to the laws of the jurisdiction in which it is
organized or in which its principal office or applicable lending office is
located or any subdivision thereof or therein), then, upon the delivery of the
certificate referred to below to the Borrower by the Issuing Lender or any
Participant (a copy of which certificate shall be sent by the Issuing Lender or
such Participant to the Administrative Agent), the Borrower shall, subject to
Section 1.14, pay to the Issuing Lender or such Participant such additional
amount or amounts as will compensate such Lender for such increased cost or
reduction in the amount receivable or reduction on the rate of return on its
capital. The Issuing Lender or any Participant, upon determining that any
additional amounts will be payable pursuant to this Section 2.06, will give
prompt written notice thereof to the Borrower, which notice shall include a
certificate submitted to the Borrower by the Issuing Lender or such Participant
(a copy of which certificate shall be sent by the Issuing Lender or such
Participant to the Administrative Agent), setting forth in reasonable detail the
basis for the calculation of such additional amount or amounts necessary to
compensate the Issuing Lender or such Participant. The certificate required to
be delivered pursuant to this Section 2.06 shall, absent manifest error, be
final and conclusive and binding on the Borrower.

                                      -22-
<PAGE>
                                   SECTION 3

                 COMMITMENT FEE; FEES; REDUCTIONS OF COMMITMENT.

      3.01. Fees.

      (a) The Borrower agrees to pay to the Administrative Agent for
distribution to each Non-Defaulting RL Lender a commitment fee (the "Commitment
Fee") for the period from and including the Effective Date to but excluding the
Revolving Loan Maturity Date (or such earlier date on which the Total Revolving
Loan Commitment has been terminated) computed at a rate per annum for each day
equal to the Applicable Margin (i.e., the Commitment Fee Rate as specified in
the definition of Applicable Margin) on the daily average Unutilized Revolving
Loan Commitment of such Non-Defaulting Lender. Accrued Commitment Fees shall be
due and payable quarterly in arrears on each Quarterly Payment Date and on the
date upon which the Total Revolving Loan Commitment is terminated.

      (b) The Borrower agrees to pay to the Administrative Agent for
distribution to each RL Lender (based on each such RL Lender's respective RL
Percentage) a fee in respect of each Letter of Credit (the "Letter of Credit
Fee") for the period from and including the date of issuance of such Letter of
Credit to and including the date of termination or expiration of such Letter of
Credit, computed at a rate per annum equal to the Applicable Margin then in
effect with respect to Revolving Loans maintained as Eurodollar Loans on the
daily Stated Amount of each such Letter of Credit. Accrued Letter of Credit Fees
shall be due and payable quarterly in arrears on each Quarterly Payment Date and
on the first day on or after the termination of the Total Revolving Loan
Commitment upon which no Letters of Credit remain outstanding.

      (c) The Borrower agrees to pay to the Issuing Lender, for its own account,
a facing fee in respect of each Letter of Credit (the "Facing Fee") for the
period from and including the date of issuance of such Letter of Credit to and
including the date of termination or expiration of such Letter of Credit,
computed at a rate per annum equal to 1/8 of 1% on the available Stated Amount
of such Letter of Credit. Facing Fees shall be due and payable quarterly in
arrears on the next Business Day following each Quarterly Payment Date and upon
the first day on or after the termination of the Total Revolving Loan Commitment
upon which no Letters of Credit remain outstanding.

      (d) The Borrower agrees to pay to the Issuing Lender, for its own account,
upon each payment under, issuance of, or amendment to, any Letter of Credit,
such amount as shall at the time of such event be the administrative charge and
the reasonable expenses which the Issuing Lender is generally imposing in
connection with such occurrence with respect to letters of credit. In addition
the Borrower shall pay directly to the Issuing Lender, for its own account the
customary issuance, presentation, amendment and other processing fees, and other
standard costs and charges, relating to letters of credit as from time to time
in effect. Such fees and charges are due and payable on demand and are
nonrefundable.

      (e) The Borrower agrees to pay to the Administrative Agent, for its own
account, such other fees as have been agreed to in writing by the Borrower and
the Administrative Agent.

                                      -23-
<PAGE>
      3.02. Voluntary Termination of Unutilized Revolving Loan Commitments.

      (a) Upon at least one Business Day's prior written notice to the
Administrative Agent at the Notice Office (which notice the Administrative Agent
shall promptly transmit to each of the Lenders), the Borrower shall have the
right, at any time or from time to time, without premium or penalty, to
terminate the Total Unutilized Revolving Loan Commitment in whole, or reduce it
in part, pursuant to this Section 3.02(a), in an integral multiple of $500,000
in the case of partial reductions to the Total Unutilized Revolving Loan
Commitment, provided that each such reduction shall apply proportionately to
permanently reduce the Revolving Loan Commitment of each RL Lender.

      (b) In the event of a refusal by a Lender to consent to certain proposed
changes, waivers, discharges or terminations with respect to this Agreement
which have been approved by the Required Lenders as (and to the extent) provided
in Section 13.12(b), the Borrower may, subject to its compliance with the
requirements of Section 13.12(b), upon five Business Days' prior written notice
to the Administrative Agent at the Notice Office (which notice the
Administrative Agent shall promptly transmit to each of the Lenders) terminate
all of the Commitments of such Lender, so long as all Loans, together with
accrued and unpaid interest, Fees and all other amounts, owing to such Lender
are repaid concurrently with the effectiveness of such termination pursuant to
Section 4.01(b) (at which time Schedule I shall be deemed modified to reflect
such changed amounts) and such Lender's RL Percentage of all outstanding Letters
of Credit is cash collateralized in a manner satisfactory to the Administrative
Agent and the Issuing Lender, and at such time, such Lender shall no longer
constitute a "Lender" for purposes of this Agreement, except with respect to
indemnifications under this Agreement (including, without limitation, Sections
1.10, 1.11, 2.06, 4.04, 12.06 and 13.01), which shall survive as to such repaid
Lender.

      3.03. Mandatory Reduction of Commitments.

      (a) The Total Commitment (and the Commitments of each Lender) shall
terminate in its entirety on March 31, 2002 unless the Initial Borrowing Date
has occurred on or before such date.

      (b) In addition to any other mandatory commitment reductions pursuant to
this Section 3.03, the Total Tranche A Term Loan Commitment (and the Tranche A
Term Loan Commitment of each Lender) shall terminate in its entirety on the
Initial Borrowing Date (after giving effect to the incurrence of the Tranche A
Term Loans on such date).

      (c) In addition to any other mandatory commitment reductions pursuant to
this Section 3.03, the Total Tranche B Term Loan Commitment (and the Tranche B
Term Loan Commitment of each Lender) shall terminate in its entirety on the
Initial Borrowing Date (after giving effect to the incurrence of the Tranche B
Term Loans on such date).

      (d) In addition to any other mandatory commitment reductions pursuant to
this Section 3.03, the Total Revolving Loan Commitment (and the Revolving Loan
Commitment of each Lender) shall terminate in its entirety on the earlier of (i)
the Revolving Loan Maturity Date

                                      -24-
<PAGE>
and (ii) unless the Required Lenders otherwise agree, the date on which a Change
of Control occurs.

      (e) In addition to any other mandatory commitment reductions pursuant to
this Section 3.03, on each date after the Initial Borrowing Date upon which a
mandatory repayment of Term Loans pursuant to any of Sections 4.02(c) through
(g), inclusive, is required (and exceeds in amount the aggregate principal
amount of Term Loans then outstanding) or would be required if Term Loans were
then outstanding, the Total Revolving Loan Commitment shall be permanently
reduced by the amount, if any, by which the amount required to be applied
pursuant to said Sections (determined as if an unlimited amount of Term Loans
were actually outstanding) exceeds the aggregate principal amount of Term Loans
then outstanding.

      (f) Each reduction and/or termination to the Total Tranche A Term Loan
Commitment, the Total Tranche B Term Loan Commitment and the Total Revolving
Loan Commitment shall be applied to proportionately reduce and/or terminate the
Tranche A Term Loan Commitment, the Tranche B Term Loan Commitment and the
Revolving Loan Commitment, as the case may be, of each Lender with such a
Commitment.

                                   SECTION 4

                          PREPAYMENTS; PAYMENTS; TAXES.

      4.01. Voluntary Prepayments.

      (a) The Borrower shall have the right to prepay the Loans, without premium
or penalty, in whole or in part at any time and from time to time on the
following terms and conditions:

            (i) the Borrower shall give the Administrative Agent prior to 11:00
      A.M. (Chicago time) at the Notice Office (x) at least one Business Day's
      prior written notice (or telephonic notice promptly confirmed in writing)
      of its intent to prepay Base Rate Loans (or same day notice in the case of
      a prepayment of Swingline Loans) and (y) at least three Business Days'
      prior written notice (or telephonic notice promptly confirmed in writing)
      of its intent to prepay Eurodollar Loans, which notice (in each case)
      shall specify whether Tranche A Term Loans, Tranche B Term Loans,
      Revolving Loans or Swingline Loans shall be prepaid, the amount of such
      prepayment and the Types of Loans to be prepaid and, in the case of
      Eurodollar Loans, the specific Borrowing or Borrowings pursuant to which
      made, and which notice the Administrative Agent shall, except in the case
      of Swingline Loans, promptly transmit to each of the Lenders;

            (ii) (x) each partial prepayment of Term Loans pursuant to this
      Section 4.01(a) shall be in an aggregate principal amount of at least
      $500,000, (y) each partial prepayment of Revolving Loans pursuant to this
      Section 4.01(a) shall be in an aggregate principal amount of at least
      $250,000 and (z) each partial prepayment of Swingline Loans pursuant to
      this Section 4.01(a) shall be in an aggregate principal amount of at least
      $50,000, provided that if any partial prepayment of Eurodollar Loans made
      pursuant to any Borrowing shall reduce the outstanding principal amount of
      Eurodollar Loans made pursuant to such Borrowing to an amount less than
      the Minimum Borrowing Amount

                                      -25-
<PAGE>
      applicable thereto, then such Borrowing may not be continued as a
      Borrowing of Eurodollar Loans and any election of an Interest Period with
      respect thereto given by the Borrower shall have no force or effect;

            (iii) each prepayment pursuant to this Section 4.01(a) in respect of
      any Loans made pursuant to a Borrowing shall be applied pro rata among
      such Loans, provided that at the Borrower's election in connection with
      any prepayment of Revolving Loans pursuant to this Section 4.01(a), such
      prepayment shall not, so long as no Default or Event of Default then
      exists, be applied to any Revolving Loan of a Defaulting Lender;

            (iv) each prepayment of Term Loans pursuant to this Section 4.01(a)
      shall be (x) applied, at the Borrower's option, to one or both Tranches,
      as specified by the Borrower in a written notice to the Administrative
      Agent, or (y) if not so specified by the Borrower, applied pro rata to
      each Tranche of outstanding Term Loans, with the Tranche A Term Loans to
      be allocated the Tranche A Term Loan Percentage of the amount of such
      prepayment and the Tranche B Term Loans to be allocated the Tranche B Term
      Loan Percentage of the amount of such prepayment; and

            (v) each prepayment of any Tranche of Term Loans pursuant to this
      Section 4.01(a) shall be applied to reduce the then remaining Scheduled
      Repayments of such Tranche of Term Loans in the inverse order of maturity.

      (b) In the event of a refusal by a Lender to consent to certain proposed
changes, waivers, discharges or terminations with respect to this Agreement
which have been approved by the Required Lenders as (and to the extent) provided
in Section 13.12(b), the Borrower may, upon five Business Days' prior written
notice to the Administrative Agent at the Notice Office (which notice the
Administrative Agent shall promptly transmit to each of the Lenders) repay all
Loans, together with accrued and unpaid interest, Fees, and other amounts owing
to such Lender in accordance with, and subject to the requirements of, said
Section 13.12(b) so long as (I) in the case of the repayment of Revolving Loans
of any Lender pursuant to this Section 4.01(b), the Revolving Loan Commitment of
such Lender is terminated concurrently with such repayment pursuant to Section
3.02(b) (at which time Schedule I shall be deemed modified to reflect the
changed Revolving Loan Commitments), (II) such Lender's RL Percentage of all
outstanding Letters of Credit is cash collateralized in a manner satisfactory to
the Administrative Agent and the Issuing Lender and (III) the consents, if any,
required under Section 13.12(b) in connection with the repayment pursuant to
this clause (b) have been obtained.

      4.02. Mandatory Repayments and Commitment Reductions.

      (a) Obligations in Excess of Commitments. On any day on which the sum of
(I) the aggregate outstanding principal amount of all Revolving Loans (after
giving effect to all other repayments thereof on such date), (II) the aggregate
outstanding principal amount of all Swingline Loans (after giving effect to all
other repayments thereof on such date) and (III) the aggregate amount of all
Letter of Credit Outstandings exceeds the Total Revolving Loan Commitment at
such time, the Borrower shall prepay on such day the principal of Swingline
Loans and, after all Swingline Loans have been repaid in full or if no Swingline
Loans are outstanding, Revolving Loans in an amount equal to such excess. If,
after giving effect to the

                                      -26-
<PAGE>
prepayment of all outstanding Swingline Loans and Revolving Loans, the aggregate
amount of the Letter of Credit Outstandings exceeds the Total Revolving Loan
Commitment of such time, the Borrower shall pay to the Administrative Agent at
the Payment Office on such day an amount of cash and/or Cash Equivalents equal
to the amount of such excess (up to a maximum amount equal to the Letter of
Credit Outstandings at such time), such cash and/or Cash Equivalents to be held
as security for all obligations of the Borrower to the Issuing Lender and the
Lenders hereunder in a cash collateral account to be established by the
Administrative Agent.

      (b) Term Loans. (i) In addition to any other mandatory repayments pursuant
to this Section 4.02, on (each date set forth below,) the Borrower shall be
required to repay that principal amount of Tranche A Term Loans, to the extent
then outstanding, as is set forth opposite each such date below (each such
repayment, as the same may be reduced as provided in Sections 4.01(a) and
4.02(h), a "Tranche A Term Loan Scheduled Repayment"):

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------
          TRANCHE A TERM LOAN                            AMOUNT
        SCHEDULED REPAYMENT DATE
--------------------------------------------------------------------------------
<S>                                        <C>
the last Business Day of each calendar                $4,250,000
quarter, commencing with the quarter
beginning April 1, 2002 and to and
including December 31, 2004

Tranche A Term Loan Maturity Date               $250,000, plus the amount
                                            of any increase in the Tranche A
                                           Term Loans pursuant to Section 1.15
---------------------------------------------------------------------------------
</TABLE>

            (ii) In addition to any other mandatory repayments pursuant to this
      Section 4.02, on each date set forth below, the Borrower shall be required
      to repay that principal amount of Tranche B Term Loans, to the extent then
      outstanding, as is set forth opposite each such date below (each such
      repayment, as the same may be reduced as provided in Sections 4.01(a) and
      4.02(h), a "Tranche B Term Loan Scheduled Repayment"):

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------
          TRANCHE B TERM LOAN                            AMOUNT
        SCHEDULED REPAYMENT DATE
--------------------------------------------------------------------------------
<S>                                                    <C>
the last Business Day of each calendar                  $ 250,000
quarter, commencing with the quarter
beginning April 1, 2002 and to and
including December 31, 2005

Tranche B Term Loan Maturity Date                      $41,250,000
--------------------------------------------------------------------------------
</TABLE>

      (c) Equity Issuance. In addition to any other mandatory repayments
pursuant to this Section 4.02, on each date on or after the Initial Borrowing
Date upon which the Borrower or any of its Subsidiaries receives any cash
proceeds from any capital contribution or any sale or

                                      -27-
<PAGE>
issuance of its equity (other than cash proceeds received (i) from the issuance
by the Borrower of shares of its common stock (including as a result of the
exercise of any options with regard thereto), or options to purchase shares of
its common stock, to officers, directors and employees of the Borrower or any of
its Subsidiaries in an aggregate amount not to exceed $500,000 in any fiscal
year of the Borrower or (ii) from equity contributions to any Subsidiary of the
Borrower to the extent made by the Borrower or another Subsidiary of the
Borrower), an amount equal to 50% of the Net Equity Proceeds of such capital
contribution or sale or issuance of equity shall be applied on such date as a
mandatory repayment of principal of outstanding Term Loans in accordance with
the requirements of Sections 4.02(h) and (i).

      (d) Debt Issuance. In addition to any other mandatory repayments pursuant
to this Section 4.02, on each date on or after the Initial Borrowing Date upon
which the Borrower or any of its Subsidiaries receives any cash proceeds from
any incurrence by the Borrower or any of its Subsidiaries of Indebtedness for
borrowed money (other than Indebtedness for borrowed money permitted to be
incurred pursuant to Section 9.04 as such Section is in effect on the Effective
Date), an amount equal to 100% of the Net Debt Proceeds of the respective
incurrence of Indebtedness shall be applied on such date as a mandatory
repayment of principal of outstanding Term Loans in accordance with the
requirements of Sections 4.02(h) and (i).

      (e) Asset Sales. In addition to any other mandatory repayments pursuant to
this Section 4.02, on each date on or after the Initial Borrowing Date upon
which the Borrower or any of its Subsidiaries receives any cash proceeds from
any Asset Sale, an amount equal to 100% of the Net Sale Proceeds therefrom shall
be applied on such date as a mandatory repayment of principal of outstanding
Term Loans in accordance with the requirements of Sections 4.02(h) and (i);
provided that with respect to no more than $5,000,000 in the aggregate of cash
proceeds from Asset Sales in any fiscal year of the Borrower, the Net Sale
Proceeds therefrom shall not be required to be so applied on such date so long
as no Default or Event of Default then exists and the Borrower has delivered a
certificate to the Administrative Agent on or prior to such date stating that
such Net Sale Proceeds shall be used to purchase assets used or to be used in
the business permitted pursuant to Section 9.15 (including, without limitation
(but only to the extent permitted by Section 9.02), the purchase of the assets
or 100% of the capital stock of a Person engaged in such businesses) within 180
days following the date of such Asset Sale (which certificate shall set forth
the estimates of the proceeds to be so expended), and provided further, that if
all or any portion of such Net Sale Proceeds not required to be applied to the
repayment of outstanding Term Loans are not so reinvested within such 180-day
period (or such earlier date, if any, as the Borrower determines not to reinvest
the Net Sale Proceeds from such Asset Sale as set forth above), such remaining
portion shall be applied on the last day of such period (or such earlier date,
as the case may be) as a mandatory repayment of principal of outstanding Term
Loans as provided above in this Section 4.02(e) without regard to the preceding
proviso. Notwithstanding the foregoing, Net Sale Proceeds of up to $7,000,000
from the sale of the Borrower's property consisting of approximately 25.7 acres,
consisting of two parcels, located in Montebello, New York shall not be required
to be applied to a mandatory prepayment of Term Loans pursuant to this Section
4.02(e).

      (f) Excess Cash Flow. In addition to any other mandatory repayments
pursuant to this Section 4.02, on each Excess Cash Payment Date, an amount equal
to 50% of the Excess Cash

                                      -28-
<PAGE>
Flow for the relevant Excess Cash Payment Period shall be applied as a mandatory
repayment of principal of outstanding Term Loans in accordance with the
requirements of Sections 4.02(h) and (i); provided, however, that no repayment
shall be required pursuant to this Section 4.02(f) if on such Excess Cash
Payment Date no Default or Event of Default then exists and the Consolidated
Total Leverage Ratio at such time is less then 2.00:1.

      (g) Insurance Proceeds. In addition to any other mandatory repayments
pursuant to this Section 4.02, within 10 days following each date on or after
the Initial Borrowing Date upon which the Borrower or any of its Subsidiaries
receives any cash proceeds from any Recovery Event (other than Recovery Events
in which the Net Insurance Proceeds therefrom do not exceed $100,000), an amount
equal to 100% of the Net Insurance Proceeds from such Recovery Event shall be
applied on such date as a mandatory repayment of principal of outstanding Term
Loans in accordance with the requirements of Sections 4.02(h) and (i); provided
that so long as no Default or Event of Default then exists, such Net Insurance
Proceeds shall not be required to be so applied on such date to the extent that
the Borrower has delivered a certificate to the Administrative Agent on or prior
to such date stating that such Net Insurance Proceeds shall be used to replace
or restore any properties or assets in respect of which such Net Insurance
Proceeds were paid within 180 days following the date of the receipt of such Net
Insurance Proceeds (which certificate shall set forth the estimates of the Net
Insurance Proceeds to be so expended), and provided further, that (i) if the
amount of such Net Insurance Proceeds exceeds $2,500,000, then the entire amount
of such Net Insurance Proceeds (and not just the portion of such Net Insurance
Proceeds in excess of $2,500,000) shall be deposited with the Administrative
Agent pursuant to a cash collateral arrangement reasonably satisfactory to the
Administrative Agent whereby such proceeds shall be disbursed to the Borrower
from time to time as needed to pay actual costs incurred by it or its applicable
Subsidiary in connection with the replacement or restoration of the respective
properties or assets (pursuant to such certification requirements as may be
reasonably required by the Administrative Agent, including certifications to the
effect that (x) no Default or Event of Default then exists and (y) the Borrower
or its applicable Subsidiary has actually incurred such costs (which
certification shall be accompanied by any paid invoices or invoices required to
be paid within 5 Business Days thereafter)), although at any time while an Event
of Default has occurred and is continuing, the Required Lenders may direct the
Administrative Agent (in which case the Administrative Agent shall, and is
hereby authorized by the Borrower to, follow said directions) to apply any or
all proceeds then on deposit in such collateral account to the repayment of
Obligations hereunder, and (ii) if all or any portion of such Net Insurance
Proceeds not required to be applied to the repayment of outstanding Term Loans
pursuant to the preceding proviso are not so used within 180 days after the date
of the receipt of such Net Insurance Proceeds (or such earlier date, if any, as
the Borrower determines not to reinvest the Net Insurance Proceeds relating to
such Recovery Event as set forth above), such remaining portion shall be applied
on the last day of such period (or such earlier date, as the case may be) as a
mandatory repayment of principal of outstanding Term Loans as provided above in
this Section 4.02(h) without regard to the preceding proviso.

      (h) Pro Rata Application of Mandatory Repayment. Each amount required to
be applied to the outstanding Term Loans pursuant to Sections 4.02(c), (d), (e),
(f) and (g) shall be applied pro rata to each Tranche of outstanding Term Loans,
with the Tranche A Term Loans to be allocated the Tranche A Term Loan Percentage
of the amount of such prepayment and the

                                      -29-
<PAGE>
Tranche B Term Loans to be allocated the Tranche B Term Loan Percentage of the
amount of such prepayment. The amount of such principal repayment of each
Tranche of Term Loans made is required by said Sections 4.02(c), (d), (e), (f)
and (g) shall be applied to reduce the then remaining Scheduled Repayments of
such Tranche of Term Loans in the inverse order of maturity (except in the case
of Section 4.02(e), in which case such application shall be on a pro rata basis,
based upon the then remaining unpaid principal amounts of such Scheduled
Repayments of the respective Tranche of Term Loans after giving effect to all
prior reductions thereto).

      (i) Applications to Types of Loans. With respect to each repayment of
Loans required by this Section 4.02, the Borrower may designate the Types of
Loans of the respective Tranche which are to be repaid and, in the case of
Eurodollar Loans, the specific Borrowing or Borrowings of the respective Tranche
pursuant to which made, provided that: (i) repayments of Eurodollar Loans
pursuant to this Section 4.02 may only be made on the last day of an Interest
Period applicable thereto unless all Eurodollar Loans of the respective Tranche
with Interest Periods ending on such date of required repayment and all Base
Rate Loans of the respective Tranche have been paid in full; (ii) if any
repayment of Eurodollar Loans made pursuant to a single Borrowing shall reduce
the outstanding Eurodollar Loans made pursuant to such Borrowing to an amount
less than the Minimum Borrowing Amount applicable thereto, such Borrowing shall
be converted at the end of the then current Interest Period into a Borrowing of
Base Rate Loans; and (iii) each repayment of any Loans made pursuant to a
Borrowing shall be applied pro rata among such Loans. In the absence of a
designation by the Borrower as described in the preceding sentence, the
Administrative Agent shall, subject to the above, make such designation in its
sole discretion.

      (j) Option to Waive Pro Rata Mandatory Repayment. Notwithstanding anything
to the contrary contained in this Section 4.02 or elsewhere in this Agreement
(including, without limitation, in Section 13.12), at any time that Tranche A
Term Loans are outstanding, the Borrower shall have the option, in its sole
discretion, to give the Lenders with outstanding Tranche B Term Loans (the "B
Lenders") the option to waive their pro rata share of a mandatory repayment of
Tranche B Term Loans which is to be made pursuant to Sections 4.02(c), (d), (e),
(f) and/or (g) (each such repayment, a "Waivable Mandatory Repayment") upon the
terms and provisions set forth in this Section 4.02(j). If the Borrower elects
to exercise the option referred to in the immediately preceding sentence, the
Borrower shall give to the Administrative Agent written notice of the Borrower's
intention to give the B Lenders the right to waive a Waivable Mandatory
Repayment (including in such notice, the aggregate amount of such proposed
repayment) at least five Business Days prior to the date of the proposed
repayment, which notice the Administrative Agent shall promptly forward to all B
Lenders (indicating in such notice the amount of such repayment to be applied to
each such B Lender's outstanding Tranche B Term Loans). The Borrower's offer to
permit the B Lenders to waive any such Waivable Mandatory Repayment may apply to
all or part of such repayment, provided that any offer to waive part of such
repayment must be made ratably to the B Lenders on the basis of their
outstanding Tranche B Term Loans. In the event that any such B Lender desires to
waive its pro rata share of such B Lender's right to receive any such Waivable
Mandatory Repayment in whole or in part, such B Lender shall so advise the
Administrative Agent no later than 3:00 P.M. (Chicago time) on the date which is
two Business Days after the date of such notice from the Administrative Agent,

                                      -30-
<PAGE>
which notice shall also include the amount such B Lender desires to receive in
respect of such repayment. If any B Lender does not reply to the Administrative
Agent within such two Business Day period, such B Lender will be deemed not to
have waived any part of such repayment. If any B Lender does not specify an
amount it wishes to receive, such B Lender will be deemed to have accepted 100%
of its share of such repayment. In the event that any such B Lender waives all
or part of its share of any such Waivable Mandatory Repayment, the
Administrative Agent shall apply 100% of the amount so waived by such B Lender
to the outstanding Tranche A Term Loans in accordance with Sections 4.02(h) and
(i).

      (k) Revolving Loans. Upon the payment in full of all Term Loans, 50% of
all Net Equity Proceeds, 100% of all Net Debt Proceeds and 100% of all cash
proceeds from any Asset Sale (except as provided in Section 4.02(e)), which in
each case before repayment of the Term, Loans would be required to be applied to
the repayment thereof, shall be forthwith applied to the mandatory repayment of
the Revolving Loans. Concurrent with such application, the Total Revolving Loan
Commitment shall be reduced by a like amount.

      (l) Maturity Date; Change of Control. Notwithstanding anything to the
contrary contained in this Agreement or in any other Credit Document, (i) all
then outstanding Loans of any Tranche shall be repaid in full on the respective
Maturity Date for such Tranche of Loans and (ii) unless the Required Lenders
otherwise agree, all then outstanding Loans shall be repaid in full on the date
on which a Change of Control occurs.

      4.03. Method and Place of Payment. Except as otherwise specifically
provided herein, all payments under this Agreement or under any Note shall be
made to the Administrative Agent for the account of the Lender or Lenders
entitled thereto not later than 11:00 A.M. (Chicago time) on the date when due
and shall be made in Dollars in immediately available funds at the Payment
Office. Whenever any payment to be made hereunder or under any Note shall be
stated to be due on a day which is not a Business Day, the due date thereof
shall be extended to the next succeeding Business Day and, with respect to
payments of principal, interest shall be payable at the applicable rate during
such extension.

      4.04. Net Payments.

      (a) All payments made by the Borrower hereunder or under any Note will be
made without setoff, counterclaim or other defense. Except as provided in
Section 4.04(b), all such payments will be made free and clear of, and without
deduction or withholding for, any present or future taxes, levies, imposts,
duties, fees, assessments or other charges of whatever nature now or hereafter
imposed by any jurisdiction or by any political subdivision or taxing authority
thereof or therein with respect to such payments (but excluding, except as
provided in the second succeeding sentence, any tax imposed on or measured by
the net income or profits of a Lender pursuant to the laws of the jurisdiction
in which it is organized or the jurisdiction in which the principal office or
applicable lending office of such Lender is located or any subdivision thereof
or therein) and all interest, penalties or similar liabilities with respect to
such non-excluded taxes, levies, imposts, duties, fees, assessments or other
charges (all such non-excluded taxes, levies, imposts, duties, fees, assessments
or other charges being referred to collectively as "Taxes"). If any Taxes are so
levied or imposed, the Borrower agrees to pay the full amount of such Taxes, and
such additional amounts as may be necessary so that every payment of all amounts
due

                                      -31-
<PAGE>
under this Agreement or under any Note, after withholding or deduction for or on
account of any Taxes, will not be less than the amount provided for herein or in
such Note. If any amounts are payable in respect of Taxes pursuant to the
preceding sentence, the Borrower agrees to reimburse each Lender, upon the
written request of such Lender, for taxes imposed on or measured by the net
income or profits of such Lender pursuant to the laws of the jurisdiction in
which such Lender is organized or in which the principal office or applicable
lending office of such Lender is located or under the laws of any political
subdivision or taxing authority of any such jurisdiction in which such Lender is
organized or in which the principal office or applicable lending office of such
Lender is located and for any withholding of taxes as such Lender shall
determine are payable by, or withheld from, such Lender, in respect of such
amounts so paid to or on behalf of such Lender pursuant to the preceding
sentence and in respect of any amounts paid to or on behalf of such Lender
pursuant to this sentence. The Borrower will furnish to the Administrative Agent
within 45 days after the date the payment of any Taxes is due pursuant to
applicable law certified copies of tax receipts evidencing such payment by the
Borrower. The Borrower agrees to indemnify and hold harmless each Lender, and
reimburse such Lender upon its written request, for the amount of any Taxes so
levied or imposed and paid by such Lender.

      (b) Each Lender that is not a United States person (as such term is
defined in Section 7701(a)(30) of the Code) for U.S. Federal income tax purposes
agrees to deliver to the Borrower and the Administrative Agent on or prior to
the Effective Date or, in the case of a Lender that is an assignee or transferee
of an interest under this Agreement pursuant to Section 1.13 or 13.04(b) (unless
the respective Lender was already a Lender hereunder immediately prior to such
assignment or transfer), on the date of such assignment or transfer to such
Lender, (i) two accurate and complete original signed copies of Internal Revenue
Service Form W-8ECI or Form W-8BEN (with respect to a complete exemption under
an income tax treaty) (or successor forms) certifying to such Lender's
entitlement as of such date to a complete exemption from United States
withholding tax with respect to payments to be made under this Agreement and
under any Note, or (ii) if the Lender is not a "bank" within the meaning of
Section 881(c)(3)(A) of the Code and cannot deliver either Internal Revenue
Service Form W-8ECI or Form W-8BEN (with respect to a complete exemption under
an income tax treaty) (or any successor forms) pursuant to clause (i) above, (x)
a certificate substantially in the form of Exhibit D (any such certificate, a
"Section 4.04(b)(ii) Certificate") and (y) two accurate and complete original
signed copies of Internal Revenue Service Form W-8BEN (with respect to the
portfolio interest exemption) (or successor form) certifying to such Lender's
entitlement as of such date to a complete exemption from United States
withholding tax with respect to payments of interest to be made under this
Agreement and under any Note. In addition, each Lender agrees that from time to
time after the Effective Date, when a lapse in time or change in circumstances
renders the previous certification obsolete or inaccurate in any material
respect, such Lender will deliver to the Borrower and the Administrative Agent
two new accurate and complete original signed copies of Internal Revenue Service
Form W-8ECI, Form W-8BEN (with respect to the benefits of any income tax
treaty), Form W-8BEN (with respect to the portfolio interest exemption) and a
Section 4.04(b)(ii) Certificate, as the case may be, and such other forms as may
be required in order to confirm or establish the entitlement of such Lender to a
continued exemption from or reduction in United States withholding tax with
respect to payments under this Agreement and any Note, or such Lender shall
immediately notify the Borrower and the Administrative Agent of its inability to
deliver any such Form or Certificate, in

                                      -32-
<PAGE>
which case such Lender shall not be required to deliver any such Form or
Certificate pursuant to this Section 4.04(b).

      (c) Notwithstanding anything to the contrary contained in Section 4.04(a),
but subject to Sections 4.04(b) and 13.04(b), (i) the Borrower shall be
entitled, to the extent it is required to do so by law, to deduct or withhold
income or similar taxes imposed by the United States (or any political
subdivision or taxing authority thereof or therein) from interest, Fees or other
amounts payable hereunder for the account of any Lender which is not a United
States person (as such term is defined in Section 7701(a)(30) of the Code) for
U.S. Federal income tax purposes to the extent that such Lender has not provided
to the Borrower U.S. Internal Revenue Service Forms that establish a complete
exemption from such deduction or withholding and (ii) the Borrower shall not be
obligated pursuant to Section 4.04(a) to gross-up payments to be made to a
Lender in respect of income or similar taxes imposed by the United States if (I)
such Lender has not provided to the Borrower the Internal Revenue Service Forms
required to be provided to the Borrower pursuant to this Section 4.04(b) or (II)
in the case of a payment, other than interest, to a Lender described in Section
4.04(b) (ii) above, to the extent that such Forms do not establish a complete
exemption from withholding of such taxes.

      (d) Subject to Section 4.04 and except as set forth in Section 13.04(b),
the Borrower further agrees to pay any additional amounts and to indemnify each
Lender in the manner set forth in Section 4.04(a) (without regard to the
identity of the jurisdiction requiring the deduction or withholding) in respect
of any Taxes deducted or withheld by it as described in the immediately
preceding sentence as a result of any changes that are effective after the
Effective Date in any applicable law, treaty, governmental rule, regulation,
guideline or order, or in the interpretation thereof, relating to the deducting
or withholding of such Taxes.

                                   SECTION 5

                      CONDITIONS PRECEDENT TO CREDIT EVENTS
                          ON THE INITIAL BORROWING DATE

      The obligation of each Lender to make Loans, and the obligation of the
Issuing Lender to issue Letters of Credit, on the Initial Borrowing Date, is
subject at the time of the making of such Loans or the issuance of such Letters
of Credit to the satisfaction of the following conditions:

      5.01. Execution of Agreement; Disclosure Letter; Notes. On or prior to the
Initial Borrowing Date, (i) the Effective Date shall have occurred, (ii) the
Lenders shall have received an executed copy of the Disclosure Letter, which
shall be in form and substance satisfactory to the Administrative Agent and the
Required Lenders, and (iii) there shall have been delivered to the
Administrative Agent for the account of each of the Lenders that has requested
same the appropriate Tranche A Term Note, Tranche B Term Note and/or Revolving
Note executed by the Borrower and to the extent requested by the Swingline
Lender, the Swingline Note executed by the Borrower, in each case, in the
amount, maturity and as otherwise provided herein.

      5.02. Officer's Certificate. On the Initial Borrowing Date, the
Administrative Agent shall have received a certificate, dated the Initial
Borrowing Date and signed on behalf of the Borrower by the Chairman of the
Board, the President, the Chief Financial Officer or any Vice

                                      -33-
<PAGE>
President of the Borrower, certifying on behalf of the Borrower that all of the
conditions in Sections 5.06, 5.07, 5.08 and 6.01 have been satisfied on such
date (although no such certification shall be required to the extent that any
determination to be made under any such Section is to be made by the
Administrative Agent or any Lender).

      5.03. Opinions of Counsel. On the Initial Borrowing Date, the
Administrative Agent shall have received (i) from Robins Kaplan Miller & Ciresi
LLP, special counsel to the Borrower, an opinion addressed to the Administrative
Agent, the Collateral Agent and each of the Lenders and dated the Initial
Borrowing Date covering the matters set forth in Exhibit E-1 and such other
matters incident to the transactions contemplated herein as the Administrative
Agent may reasonably request, and (ii) from Gardner Carton & Douglas, special
Illinois counsel to the Borrower, an opinion addressed to the Administrative
Agent, the Collateral Agent and each of the Lenders and dated the Initial
Borrowing Date covering the matters set forth in Exhibit E-2 and such other
matters incident to the transactions contemplated herein as the Administrative
Agent may reasonably request.

      5.04. Corporate Documents; Proceedings; etc.

      (a) On the Initial Borrowing Date, the Administrative Agent shall have
received a certificate from each Credit Party, dated the Initial Borrowing Date,
signed by the Chairman of the Board, the President, the Chief Financial Officer
or any Vice President of such Credit Party, and attested to by the Secretary or
any Assistant Secretary of such Credit Party, in the form of Exhibit F with
appropriate insertions, together with copies of the certificate of incorporation
and by-laws (or equivalent organizational documents) of such Credit Party and
the resolutions of such Credit Party referred to in such certificate, and each
of the foregoing shall be in form and substance reasonably acceptable to the
Administrative Agent.

      (b) All corporate, partnership and limited liability company and legal
proceedings and all instruments and agreements in connection with the
transactions contemplated by this Agreement and the other Credit Documents shall
be reasonably satisfactory in form and substance to the Administrative Agent and
the Required Lenders, and the Administrative Agent shall have received all
information and copies of all documents and papers, including records of
corporate proceedings, governmental approvals, good standing certificates and
bring-down telegrams or facsimiles, if any, which the Administrative Agent
reasonably may have requested in connection therewith, such documents and papers
where appropriate to be certified by proper corporate or governmental
authorities.

      5.05. Plans; Shareholders' Agreements; Employment Agreements; Existing
Indebtedness Agreements. On or prior to the Initial Borrowing Date, there shall
have been delivered to the Administrative Agent true and correct copies of the
following documents:

            (i) all Plans (and for each Plan that is required to file an annual
      report on Internal Revenue Service Form 5500-series, a copy of the most
      recent such report (including, to the extent required, the related
      financial and actuarial statements and opinions and other supporting
      statements, certifications, schedules and information), and for each Plan
      that is a "single-employer plan," as defined in Section 4001(a)(15) of
      ERISA, the most recently prepared actuarial valuation

                                      -34-
<PAGE>
      therefor) and any other "employee benefit plans," as defined in Section
      3(3) of ERISA, and any other material agreements, plans or arrangements,
      with or for the benefit of current or former employees of the Borrower or
      any of its Subsidiaries or ERISA Affiliates (provided that the foregoing
      shall apply in the case of any multiemployer plan, as defined in Section
      4001(a)(3) of ERISA, only to the extent that any document described
      therein is in the possession of the Borrower, any Subsidiary of the
      Borrower or any ERISA Affiliate or reasonably available thereto from the
      sponsor or trustee of any such Plan) (collectively, the "Employee Benefit
      Plans";

            (ii) all agreements entered into by the Borrower or any of its
      Subsidiaries governing the terms and relative rights of its capital stock
      and any agreements entered into by its shareholders relating to any such
      entity with respect to its capital stock (collectively, the "Shareholders'
      Agreements");

            (iii) all material employment agreements entered into by the
      Borrower or any of its Subsidiaries (collectively, the "Employment
      Agreements");

            (iv) all agreements evidencing or relating to any material
      Indebtedness of the Borrower or any of its Subsidiaries which are to
      remain outstanding after giving effect to the Refinancing, including but
      not limited to the Subordinated Debt (collectively, the "Existing
      Indebtedness Agreements");

all of which Employee Benefit Plans, Shareholders' Agreements, Employment
Agreements, and Existing Indebtedness Agreements shall be in full force and
effect on the Initial Borrowing Date.

      5.06. Consummation of the Refinancing.

      (a) On the Initial Borrowing Date, (i) all Obligations under and as
defined in the Deutsche Credit Agreement shall be repaid in full, (ii) all Liens
securing such Obligations shall have been released pursuant to releases
acceptable to the Administrative Agent (the "Deutsche Releases"), (iii) the
commitments of the lenders to extend credit thereunder shall have terminated,
(iv) the parties to the Credit Documents shall have executed and delivered the
Credit Documents, and (v) the Borrower shall have paid all fees and expenses in
connection with the foregoing (the foregoing, together with the incurrence of
Loans on the Initial Borrowing Date, being collectively called the
"Refinancing").

      (b) The Administrative Agent shall have received evidence, in form and
substance reasonably satisfactory to it, that the matters set forth in Section
5.06(a) have been satisfied as of the Initial Borrowing Date.

      5.07. Adverse Change, etc.

      (a) Nothing shall have occurred (and neither the Administrative Agent nor
any Lender shall have become aware of any facts or conditions not previously
known) which the Administrative Agent or the Required Lenders shall reasonably
determine has had, or could reasonably be expected to have, a Material Adverse
Effect.

                                      -35-
<PAGE>
      (b) On or prior to the Initial Borrowing Date, all necessary governmental
(domestic and foreign) and third party approvals and/or consents in connection
with the Refinancing and the other transactions contemplated by the Credit
Documents and otherwise referred to herein or therein shall have been obtained
and remain in effect, and all applicable waiting periods with respect thereto
shall have expired without any action being taken by any competent authority
which restrains, prevents or imposes materially adverse conditions upon the
consummation of the Refinancing or the other transactions contemplated by the
Credit Documents or otherwise referred to herein or therein. Additionally, there
shall not exist any judgment, order, injunction or other restraint issued or
filed or a hearing seeking injunctive relief or other restraint pending or
notified prohibiting or imposing materially adverse conditions upon the
Refinancing or the other transactions contemplated by the Credit Documents or
otherwise referred to herein or therein.

      5.08. Litigation. On the Initial Borrowing Date, there shall be no
actions, suits or proceedings pending or threatened (i) with respect to the
Refinancing or this Agreement or any other Credit Document or (ii) which the
Administrative Agent or the Required Lenders shall reasonably determine could
reasonably be expected to have a Material Adverse Effect.

      5.09. Pledge Agreement. On the Initial Borrowing Date, each Credit Party
shall have duly authorized, executed and delivered the Pledge Agreement in the
form of Exhibit G (as amended, modified or supplemented from time to time, the
"Pledge Agreement") and shall have delivered to the Collateral Agent, as Pledgee
thereunder, all of the Pledge Agreement Collateral, if any, referred to therein
and then owned by such Credit Party, (x) endorsed in blank in the case of
promissory notes constituting Pledge Agreement Collateral and (y) together with
executed and undated stock powers in the case of capital stock constituting
Pledge Agreement Collateral.

      5.10. Security Agreement. On the Initial Borrowing Date, each Credit Party
shall have duly authorized, executed and delivered the Security Agreement in the
form of Exhibit H (as modified, supplemented or amended from time to time, the
"Security Agreement") covering all of such Credit Party's present and future
Security Agreement Collateral, together with:

            (i) proper Financing Statements (Form UCC-1 or the equivalent) fully
      executed for filing under the UCC or other appropriate filing offices of
      each jurisdiction as may be necessary or, in the reasonable opinion of the
      Collateral Agent, desirable to perfect the security interests purported to
      be created by the Security Agreement;

            (ii) certified copies of Requests for Information or Copies (Form
      UCC-11), or equivalent reports, listing all effective financing statements
      that name the Borrower, or any of its Subsidiaries as debtor and that are
      filed in the jurisdictions referred to in clause (i) above, together with
      copies of such other financing statements that name the Borrower, or any
      of its Subsidiaries as debtor (none of which shall cover any of the
      Collateral except to the extent evidencing Permitted Liens or in respect
      of which the Collateral Agent shall have received termination statements
      (Form UCC-3) or such other termination statements as shall be required by
      local law fully executed for filing);

                                      -36-
<PAGE>
            (iii) evidence of the completion of all other recordings and filings
      of, or with respect to, the Security Agreement as may be necessary or, in
      the reasonable opinion of the Collateral Agent, desirable to perfect the
      security interests intended to be created by the Security Agreement;

            (iv) to the extent the Administrative Agent shall request, duly
      executed Control Agreements with respect to any Collateral in which a
      security interest therein is perfected by control under the UCC; and

            (v) evidence that all other actions necessary or, in the reasonable
      opinion of the Collateral Agent, desirable to perfect and protect the
      security interests purported to be created by the Security Agreement have
      been taken.

      5.11. Subsidiaries Guaranty. On the Initial Borrowing Date, each
Subsidiary Guarantor shall have duly authorized, executed and delivered a
Guaranty in the form of Exhibit I (as modified, amended or supplemented from
time to time, the "Subsidiaries Guaranty").

      5.12. Financial Statements; Projections. On or prior to the Initial
Borrowing Date, the Administrative Agent shall have received true and correct
copies of (i) the financial statements referred to in Section 7.05(a), (ii) the
Projections referred to in Sections 7.05(d), and (iii) a draft of the Borrower's
consolidated audited financial statements for the fiscal year ended December 31,
2001, all of which financial statements, Projections and draft audited financial
statements shall be in form and substance reasonably satisfactory to the
Administrative Agent and the Required Lenders.

      5.13. Solvency Certificate; Insurance Certificates. On the Initial
Borrowing Date, the Administrative Agent shall have received:

            (i) a solvency certificate from the chief financial officer of the
      Borrower in the form of Exhibit J; and

            (ii) certificates of insurance complying with the requirements of
      Section 8.03 for the business and properties of the Borrower and its
      Subsidiaries, in form and substance reasonably satisfactory to the
      Administrative Agent and naming the Collateral Agent as an additional
      insured and as loss payee, and stating that such insurance shall not be
      canceled without at least 30 days prior written notice by the insurer to
      the Collateral Agent.

      5.14. Senior Subordinated Note Compliance.

      (a) On the Initial Borrowing Date, the Administrative Agent shall have
received a certificate from the Borrower's chief financial officer demonstrating
in reasonable detail (and showing the financial calculations therefor) that the
full amount of the Loans being incurred on the Initial Borrowing Date may be
incurred in accordance with, and will not violate the provisions of, Section
4.12 of the Senior Subordinated Note Indenture.

                                      -37-
<PAGE>
      (b) On the Initial Borrowing Date, the Borrower shall have delivered to
the trustee under the Senior Subordinated Note Indenture and to the
Administrative Agent the officers' certificate contemplated by the parenthetical
in clause (vi) of the final sentence of the definition of "Senior Debt"
contained in the Senior Subordinated Note Indenture.

      5.15. Fees, etc. On the Initial Borrowing Date, the Borrower shall have
paid to the Administrative Agent and Bank of America Securities LLC as arranger
("Arranger") all costs, fees and expenses (including, without limitation, legal
fees and expenses) payable to the Administrative Agent and the Arranger to the
extent then due.

                                   SECTION 6

                   CONDITIONS PRECEDENT TO ALL CREDIT EVENTS.

      The obligation of each Lender to make Loans (including Loans made on the
Initial Borrowing Date), and the obligation of the Issuing Lender to issue
Letters of Credit, is subject, at the time of each such Credit Event (except as
hereinafter indicated), to the satisfaction of the following conditions:

      6.01. No Default; Representations and Warranties. At the time of each such
Credit Event and also after giving effect thereto (i) there shall exist no
Default or Event of Default and (ii) all representations and warranties
contained herein and in the other Credit Documents shall be true and correct in
all material respects with the same effect as though such representations and
warranties had been made on the date of such Credit Event (it being understood
and agreed that any representation or warranty which by its terms is made as of
a specified date shall be required to be true and correct in all material
respects only as of such specified date).

      6.02. Notice of Borrowing; Letter of Credit Request.

      (a) Prior to the making of each Loan (other than a Swingline Loan or a
Revolving Loan made pursuant to a Mandatory Borrowing), the Administrative Agent
shall have received a Notice of Borrowing meeting the requirements of Section
1.03(a). Prior to the making of each Swingline Loan, the Swingline Lender shall
have received the notice referred to in Section 1.03(b)(i).

      (b) Prior to the issuance of each Letter of Credit, the Administrative
Agent and the Issuing Lender shall have received a Letter of Credit Request
meeting the requirements of Section 2.03(a).

      The acceptance of the benefits of each Credit Event shall constitute a
representation and warranty by the Borrower to the Administrative Agent and each
of the Lenders that all the conditions specified in Section 5 (with respect to
Credit Events on the Initial Borrowing Date) and in this Section 6 (with respect
to Credit Events on or after the Initial Borrowing Date) and applicable to such
Credit Event exist as of that time. All of the Notes, certificates, legal
opinions and other documents and papers referred to in Section 5 and in this
Section 6, unless otherwise specified, shall be delivered to the Administrative
Agent at the Notice Office for the account of each of the Lenders and, except
for the Notes, in sufficient counterparts or copies for each of the

                                      -38-
<PAGE>
Lenders and shall be in form and substance reasonably satisfactory to the
Administrative Agent and the Required Lenders.

                                   SECTION 7

                   REPRESENTATIONS, WARRANTIES AND AGREEMENTS.

      In order to induce the Lenders to enter into this Agreement and to make
the Loans, and issue (or participate in) the Letters of Credit as provided
herein, the Borrower makes the following representations, warranties and
agreements, in each case after giving effect to the Refinancing, all of which
shall survive the execution and delivery of this Agreement and the Notes and the
making of the Loans and the issuance of the Letters of Credit, with the
occurrence of each Credit Event on or after the Initial Borrowing Date being
deemed to constitute a representation and warranty that the matters specified in
this Section 7 are true and correct in all material respects on and as of the
Initial Borrowing Date and on the date of each such other Credit Event (it being
understood and agreed that any representation or warranty which by its terms is
made as of a specified date shall be required to be true and correct in all
material respects only as of such specified date).

      7.01. Organizational Status. Each of the Borrower and each of its
Subsidiaries (other than an Inactive Subsidiary) (i) is a duly organized and
validly existing corporation, partnership or limited liability company, as the
case may be, in good standing under the laws of the jurisdiction of its
organization, (ii) has the corporate, partnership or limited liability company
power and authority, as the case may be, to own its property and assets and to
transact the business in which it is engaged and presently proposes to engage
and (iii) is duly qualified and is authorized to do business and is in good
standing in each jurisdiction where the ownership, leasing or operation of its
property or the conduct of its business requires such qualifications except for
failures to be so qualified which, either individually or in the aggregate,
could not reasonably be expected to have a Material Adverse Effect.

      7.02. Power and Authority. Each Credit Party has the corporate,
partnership or limited liability company power and authority, as the case may
be, to execute, deliver and perform the terms and provisions of each of the
Credit Documents to which it is party and has taken all necessary corporate,
partnership or limited liability company action, as the case may be, to
authorize the execution, delivery and performance by it of each of such Credit
Documents. Each Credit Party has duly executed and delivered each of the Credit
Documents to which it is party, and each of such Credit Documents constitutes
its legal, valid and binding obligation enforceable in accordance with its
terms, except to the extent that the enforceability thereof may be limited by
applicable bankruptcy, insolvency, reorganization, moratorium or other similar
laws generally affecting creditors' rights and by equitable principles
(regardless of whether enforcement is sought in equity or at law).

      7.03. No Violation. Neither the execution, delivery or performance by any
Credit Party of the Credit Documents to which it is a party, nor compliance by
it with the terms and provisions thereof, (i) will contravene any provision of
any law, statute, rule or regulation or any order, writ, injunction or decree of
any court or governmental instrumentality, (ii) will conflict with or result in
any breach of any of the terms, covenants, conditions or provisions of, or

                                      -39-
<PAGE>
constitute a default under, or result in the creation or imposition of (or the
obligation to create or impose) any Lien (except pursuant to the Security
Documents) upon any of the property or assets of the Borrower or any of its
Subsidiaries pursuant to the terms of, any indenture, mortgage, deed of trust,
credit agreement or loan agreement, or any other material agreement, contract or
instrument, in each case to which the Borrower or any of its Subsidiaries is a
party or by which it or any of its property or assets is bound or to which it
may be subject or (iii) will violate any provision of the certificate or
articles of incorporation or by-laws (or equivalent organizational documents) of
the Borrower or any of its Subsidiaries.

      7.04. Approvals. No order, consent, approval, license, authorization or
validation of, or filing, recording or registration with (except for (x) the
filing of UCC-3 termination statements and other releases pursuant to the
Deutsche Releases, (y) the filing of UCC-1 financing statements and Mortgages to
perfect the security interest created under the Security Agreement and the
Mortgages, as applicable, and (z) those that have otherwise been obtained or
made on or prior to the Initial Borrowing Date and which remain in full force
and effect on the Initial Borrowing Date), or exemption by, any governmental or
public body or authority, or any subdivision thereof, is required to authorize,
or is required in connection with, (i) the execution, delivery and performance
of any Credit Document or (ii) the legality, validity, binding effect or
enforceability of any such Credit Document.

      7.05. Financial Statements; Financial Condition; Undisclosed Liabilities;
Projections; etc.

      (a) (i) The audited consolidated balance sheets of the Borrower for its
fiscal years ended on December 31, 1998, 1999 and 2000 and the draft audited
consolidated balance sheet of the Borrower for its fiscal year ended on December
31, 2001, and the related audited or draft audited, as applicable, consolidated
statements of income, cash flows and shareholders' equity of the Borrower for
the fiscal years ended on such dates, as the case may be, copies of which have
been furnished to the Lenders prior to the Initial Borrowing Date, present
fairly in all material respects the consolidated financial position of the
Borrower at the dates of such balance sheets and the consolidated results of the
operations of the Borrower for the periods covered thereby. All of the foregoing
financial statements have been prepared in accordance with GAAP consistently
applied.

      (ii) Since December 31, 2000, there has been no change in the business,
operations, property, assets, liabilities, condition (financial or otherwise) or
prospects of the Borrower or any of its Subsidiaries that has had, or could
reasonably be expected to have, either individually or in the aggregate, a
Material Adverse Effect.

      (b) On and as of the Initial Borrowing Date and after giving effect to the
Refinancing and to all Indebtedness (including the Loans) being incurred or
assumed and Liens created by the Borrower and its Subsidiaries in connection
therewith (i) the sum of the assets, at a fair valuation, of each of the
Borrower on a stand-alone basis and the Borrower and its Subsidiaries taken as a
whole will exceed its debts; (ii) each of the Borrower on a stand-alone basis
and the Borrower and its Subsidiaries taken as a whole has not incurred and does
not intend to incur, and does not believe that it will incur, debts beyond its
ability to pay such debts as such debts mature; and (iii) each of the Borrower
on a stand-alone basis and the Borrower and its Subsidiaries taken

                                      -40-
<PAGE>
as a whole will have sufficient capital with which to conduct its business. For
purposes of this Section 7.05(c), "debt" means any liability on a claim, and
"claim" means (a) right to payment, whether or not such a right is reduced to
judgment, liquidated, unliquidated, fixed, contingent, matured, unmatured,
disputed, undisputed, legal, equitable, secured, or unsecured or (b) right to an
equitable remedy for breach of performance if such breach gives rise to a
payment, whether or not such right to an equitable remedy is reduced to
judgment, fixed, contingent, matured, unmatured, disputed, undisputed, secured
or unsecured. The amount of contingent liabilities at any time shall be computed
as the amount that, in the light of all the facts and circumstances existing at
such time, represents the amount that can reasonably be expected to become an
actual or matured liability.

      (c) Except as fully disclosed in the financial statements delivered
pursuant to Section 7.05(a), there were as of the Initial Borrowing Date no
liabilities or obligations with respect to the Borrower or any of its
Subsidiaries of any nature whatsoever (whether absolute, accrued, contingent or
otherwise and whether or not due) which, either individually or in the
aggregate, could reasonably be expected to be material to the Borrower and its
Subsidiaries taken as a whole. As of the Initial Borrowing Date, the Borrower
does not know of any basis for the assertion against it or any of its
Subsidiaries of any liability or obligation of any nature whatsoever that is not
fully disclosed in the financial statements delivered pursuant to Section
7.05(a) which, either individually or in the aggregate, could reasonably be
expected to be material to the Borrower and its Subsidiaries taken as a whole.

      (d) On and as of the Initial Borrowing Date, the Projections delivered to
the Administrative Agent and the Lenders prior to the Initial Borrowing Date
have been prepared in good faith and are based on reasonable assumptions, and
there are no statements or conclusions in the Projections which are based upon
or include information known to the Borrower to be misleading in any material
respect or which fail to take into account material information known to the
Borrower regarding the matters reported therein. On the Initial Borrowing Date,
the Borrower believes that the Projections are reasonable and attainable, it
being recognized by the Lenders, however, that projections as to future events
are not to be viewed as facts and that the actual results during the period or
periods covered by the Projections may differ from the projected results and
that the differences may be material.

      7.06. Litigation. There are no actions, suits or proceedings pending or,
to the best knowledge of the Borrower, threatened (i) with respect to the
Refinancing or any Credit Documents, (ii) with respect to any material
Indebtedness of the Borrower or any of its Subsidiaries or (iii) that are,
either individually or in the aggregate, reasonably likely to have a Material
Adverse Effect.

      7.07. True and Complete Disclosure. All factual information (taken as a
whole) furnished by or on behalf of the Borrower in writing to the
Administrative Agent or any Lender (including, without limitation, all
information contained in the Credit Documents) for purposes of or in connection
with this Agreement, the other Credit Documents or any transaction contemplated
herein or therein is, and all other such factual information (taken as a whole)
hereafter furnished by or on behalf of the Borrower in writing to the
Administrative Agent or any Lender will be, true and accurate in all material
respects on the date as of which such information is dated or certified and not
incomplete by omitting to state any fact necessary to make such

                                      -41-
<PAGE>
information (taken as a whole) not misleading in any material respect at such
time in light of the circumstances under which such information was provided.

      7.08. Use of Proceeds; Margin Regulations.

      (a) All proceeds of the Loans will be used by the Borrower (i) to effect
the Refinancing, (ii) to pay fees and expenses related to the Refinancing, for
working capital and Capital Expenditures, (iv) to finance Permitted
Acquisitions, and (v) for other lawful corporate purposes.

      (b) No part of any Credit Event (or the proceeds thereof) will be used to
purchase or carry any Margin Stock or to extend credit for the purpose of
purchasing or carrying any Margin Stock. Neither the making of any Loan nor the
use of the proceeds thereof nor the occurrence of any other Credit Event will
violate or be inconsistent with the provisions of Regulation T, U or X of the
Board of Governors of the Federal Reserve System.

      7.09. Tax Returns and Payments. Each of the Borrower and each of its
Subsidiaries has filed all federal and state income tax returns and all other
material tax returns, domestic and foreign, required to be filed by it and has
paid all taxes and assessments payable by it which have become due, except for
immaterial taxes and assessments and for those contested in good faith and
adequately disclosed and fully provided for on the financial statements of the
Borrower and its Subsidiaries in accordance with GAAP. Each of the Borrower and
each of its Subsidiaries has at all times paid, or has provided adequate
reserves (in the good faith judgment of the management of the Borrower) for the
payment of, all federal, state, local and foreign income taxes applicable for
all prior fiscal years and for the current fiscal year to date. There is no
action, suit, proceeding, investigation, audit, or claim now pending or, to the
knowledge of the Borrower threatened, by any authority regarding any taxes
relating to the Borrower or any of its Subsidiaries that either individually or
in the aggregate could reasonably be expected to result in a material liability
to the Borrower or any of its Subsidiaries.

      7.10. Compliance with ERISA.

            (i) Schedule 2 of the Disclosure Letter sets forth, as of the
      Initial Borrowing Date, each Plan. Each Plan (and each related trust,
      insurance contract or fund) is in substantial compliance with its terms
      and with all applicable laws, including, without limitation, ERISA and the
      Code; each Plan (and each related trust, if any) which is intended to be
      qualified under Section 401(a) of the Code has received a determination
      letter from the Internal Revenue Service to the effect that it meets the
      requirements of Sections 401(a) and 501(a) of the Code; no Reportable
      Event has occurred; no Plan which is a multiemployer plan (as defined in
      Section 4001(a)(3) of ERISA) is insolvent or in reorganization; no Plan
      has any material Unfunded Current Liability; no Plan which is subject to
      Section 412 of the Code or Section 302 of ERISA has any material
      accumulated funding deficiency, within the meaning of such sections of the
      Code or ERISA, or has applied for or received a waiver of an accumulated
      funding deficiency or an extension of any amortization period, within the
      meaning of Section 412 of the Code or Section 303 or 304 of ERISA; all
      contributions required to be made with respect to a Plan have been timely
      made; neither the Borrower nor any Subsidiary

                                      -42-
<PAGE>
      of the Borrower nor any ERISA Affiliate has incurred any material
      liability (including any indirect, contingent or secondary liability) to
      or on account of a Plan pursuant to Section 409, 502(i), 502(l), 515,
      4062, 4063, 4064, 4069, 4201, 4204 or 4212 of ERISA or Section 401(a)(29),
      4971 or 4975 of the Code or expects to incur any such material liability
      under any of the foregoing sections with respect to any Plan; no condition
      exists which presents a material risk to the Borrower or any Subsidiary of
      the Borrower or any ERISA Affiliate of incurring a material liability to
      or on account of a Plan pursuant to the foregoing provisions of ERISA and
      the Code; no proceedings have been instituted to terminate or appoint a
      trustee to administer any Plan which is subject to Title IV of ERISA; no
      action, suit, proceeding, hearing, audit or investigation with respect to
      the administration, operation or the investment of assets of any Plan
      (other than routine claims for benefits) is pending or, to the Borrower's
      knowledge, expected or threatened; using actuarial assumptions and
      computation methods consistent with Part 1 of subtitle E of Title IV of
      ERISA, the aggregate liabilities of the Borrower and its Subsidiaries and
      its ERISA Affiliates to all Plans which are multiemployer plans (as
      defined in Section 4001(a)(3) of ERISA) in the event of a complete
      withdrawal therefrom, as of the close of the most recent fiscal year of
      each such Plan ended prior to the date of the most recent Credit Event,
      would not exceed $500,000; each group health plan (as defined in Section
      607(1) of ERISA or Section 4980B(g)(2) of the Code) which covers or has
      covered employees or former employees of the Borrower, any Subsidiary of
      the Borrower or any ERISA Affiliate has at all times been operated in
      material compliance with the provisions of Part 6 of subtitle B of Title I
      of ERISA and Section 4980B of the Code; no lien imposed under the Code or
      ERISA on the assets of the Borrower or any Subsidiary of the Borrower or
      any ERISA Affiliate exists or is likely to arise on account of any Plan;
      and the Borrower and its Subsidiaries may cease contributions to or
      terminate any employee benefit plan maintained by any of them without
      incurring any material liability.

            (ii) Each Foreign Pension Plan has been maintained in material
      compliance with its terms and with the requirements of any and all
      applicable laws, statutes, rules, regulations and orders and has been
      maintained, where required, in good standing with applicable regulatory
      authorities. All material contributions required to be made with respect
      to a Foreign Pension Plan have been timely made. Neither the Borrower nor
      any of its Subsidiaries has incurred any material obligation in connection
      with the termination of or withdrawal from any Foreign Pension Plan. The
      present value of the accrued benefit liabilities (whether or not vested)
      under each Foreign Pension Plan, determined as of the end of the
      Borrower's recently ended fiscal year on the basis of actuarial
      assumptions, each of which is reasonable, did not exceed in any material
      respect the current value of the assets of such Foreign Pension Plan
      allocable to such benefit liabilities.

      7.11. The Security Documents.

                                      -43-
<PAGE>
      (a) Subject to the issuance of the Deutsche Releases, the provisions of
the Security Agreement are effective to create in favor of the Collateral Agent
for the benefit of the Secured Creditors a legal, valid and enforceable security
interest in all right, title and interest of the Credit Parties in the Security
Agreement Collateral described therein, and the Collateral Agent, for the
benefit of the Secured Creditors, has a fully perfected first lien on, and
security interest in, all right, title and interest in all of the Security
Agreement Collateral described therein, free and clear of all other Liens other
than Permitted Liens. The recordation of (x) the Grant of Security Interest in
U.S. Patents and (y) the Grant of Security Interest in U.S. Trademarks in the
respective form attached to the Security Agreement, in each case in the United
States Patent and Trademark Office, together with filings on Form UCC-1 made
pursuant to the Security Agreement, will create, as may be perfected by such
filings and recordation, a perfected security interest in the United States
trademarks and patents covered by the Security Agreement, and the recordation of
the Grant of Security Interest in U.S. Copyrights in the form attached to the
Security Agreement with the United States Copyright Office, together with
filings on Form UCC-1 made pursuant to the Security Agreement, will create, as
may be perfected by such filings and recordation, a perfected security interest
in the United States copyrights covered by the Security Agreement.

      (b) Subject to the issuance of the Deutsche Releases, the security
interests created in favor of the Collateral Agent, as Pledgee, for the benefit
of the Secured Creditors, under the Pledge Agreement constitute first priority
perfected security interests in the Pledge Agreement Collateral described in the
Pledge Agreement, free and clear of all other Liens. No filings or recordings
are required in order to perfect (or maintain the perfection or priority of) the
security interests created in the Pledge Agreement Collateral under the Pledge
Agreement.

      (c) If and when a Mortgage is created, each such Mortgage creates, as
security for the obligations purported to be secured thereby, a valid and
enforceable perfected security interest in and mortgage lien on the respective
Mortgaged Property in favor of the Collateral Agent (or such other trustee as
may be required or desired under local law) for the benefit of the Secured
Creditors, superior to and prior to the rights of all third persons (except that
the security interest and mortgage lien created on such Mortgaged Property may
be subject to the Permitted Encumbrances related thereto) and subject to no
other Liens (other than Liens permitted under Section 9.01 related thereto).

      7.12. Representations and Warranties in the Credit Documents. All
representations and warranties set forth in the other Credit Documents were true
and correct in all material respects at the time as of which such
representations and warranties were made (or deemed made) and shall be true and
correct in all material respects as of the Initial Borrowing Date as if such
representations and warranties were made on and as of such date, unless stated
to relate to a specific earlier date, in which case such representations and
warranties shall be true and correct in all material respects as of such earlier
date.

      7.13. Properties. All Real Property owned or leased by the Borrower or any
of its Subsidiaries as of the Initial Borrowing Date, and the nature of the
interest therein, is correctly set forth on Schedule 1 of the Disclosure Letter.
Each of the Borrower and each of its Subsidiaries has good and marketable title
to all material properties owned by it, including all property reflected in
Schedule 1 of the Disclosure Letter and in the most recent historical balance

                                      -44-
<PAGE>
sheets of the Borrower referred to in Section 7.05(a) (except as sold or
otherwise disposed of since the date of such balance sheet in the ordinary
course of business or as permitted by the terms of this Agreement), free and
clear of all Liens, other than Permitted Liens.

      7.14. Capitalization. On the Initial Borrowing Date, the authorized
capital stock of the Borrower shall consist of (i) 295,000,000 shares of common
stock, $.0025 par value per share, and (ii) 5,000,000 shares of preferred stock,
$.0025 par value per share, of which no shares of such preferred stock shall be
issued and outstanding. All outstanding shares of the capital stock of the
Borrower have been duly and validly issued and are fully paid and
non-assessable. The Borrower does not have outstanding any securities
convertible into or exchangeable for its capital stock or outstanding any rights
to subscribe for or to purchase, or any options for the purchase of, or any
agreement providing for the issuance (contingent or otherwise) of, or any calls,
commitments or claims of any character relating to, its capital stock, except
(i) as set forth in any Shareholders' Agreement as in effect on the Initial
Borrowing Date, (ii) for options, warrants and rights to purchase shares of the
Borrower's common stock or Qualified Preferred Stock which may be issued from
time to time and (iii) for any Indebtedness that may be issued or incurred from
time to time under Section 9.04(xii) which may be convertible into shares of the
Borrower's common stock.

      7.15. Subsidiaries. As of the Initial Borrowing Date, the Borrower has no
Subsidiaries other than those Subsidiaries listed on Schedule 3 of the
Disclosure Letter. Schedule 3 of the Disclosure Letter correctly sets forth, as
of the Initial Borrowing Date, (i) the percentage ownership (direct or indirect)
of the Borrower in each class of capital stock or other equity of each of its
Subsidiaries and also identifies the direct owner thereof and (ii) the
jurisdiction of organization of each such Subsidiary.

      7.16. Compliance with Statutes, etc. Each of the Borrower and each of its
Subsidiaries is in compliance with all applicable statutes, regulations and
orders of, and all applicable restrictions imposed by, all governmental bodies,
domestic or foreign, in respect of the conduct of its business and the ownership
of its property (including, without limitation, applicable statutes,
regulations, orders and restrictions relating to environmental standards and
controls), except such noncompliances as could not, either individually or in
the aggregate, reasonably be expected to have a Material Adverse Effect.

      7.17. Investment Company Act. Neither the Borrower nor any of its
Subsidiaries is an "investment company" or a company "controlled" by an
"investment company," within the meaning of the Investment Company Act of 1940,
as amended.

      7.18. Public Utility Holding Company Act. Neither the Borrower nor any of
its Subsidiaries is a "holding company," or a "subsidiary company" of a "holding
company," or an "affiliate" of a "holding company" or of a "subsidiary company"
of a "holding company" within the meaning of the Public Utility Holding Company
Act of 1935, as amended.

      7.19. Environmental Matters.

      (a) Each of the Borrower and each of its Subsidiaries is in compliance
with all applicable Environmental Laws and the requirements of any permits
issued under such Environmental

                                      -45-
<PAGE>
Laws. There are no pending or, to the knowledge of the Borrower, threatened
Environmental Claims against the Borrower or any of its Subsidiaries or any Real
Property owned, leased or operated by the Borrower or any of its Subsidiaries
(including any such claim arising out of the ownership, lease or operation by
the Borrower or any of its Subsidiaries of any Real Property formerly owned by
the Borrower or any of its Subsidiaries but no longer owned, leased or operated
by the Borrower or any of its Subsidiaries). There are no facts, circumstances,
conditions or occurrences with respect to the business or operations of the
Borrower or any of its Subsidiaries, or any Real Property owned, leased or
operated by the Borrower or any of its Subsidiaries (including, to the knowledge
of the Borrower, any Real Property formerly owned, leased or operated by the
Borrower or any of its Subsidiaries but no longer owned, leased or operated by
the Borrower or any of its Subsidiaries) or, to the knowledge of the Borrower,
any property adjoining or adjacent to any such Real Property that could be
reasonably expected (i) to form the basis of an Environmental Claim against the
Borrower or any of its Subsidiaries or any Real Property owned, leased or
operated by the Borrower or any of its Subsidiaries or (ii) to cause any Real
Property owned, leased or operated by the Borrower or any of its Subsidiaries to
be subject to any restrictions on the ownership, lease, occupancy or
transferability of such Real Property by the Borrower or any of its Subsidiaries
under any applicable Environmental Law.

      (b) Hazardous Materials have not at any time been generated, used, treated
or stored on, or transported to or from, any Real Property owned, leased or
operated by the Borrower or any of its Subsidiaries where such generation, use,
treatment, storage or transportation has violated or could reasonably be
expected to violate any Environmental Law or give rise to an Environmental
Claim. Hazardous Materials have not at any time been Released on or from any
Real Property owned, leased or operated by the Borrower or any of its
Subsidiaries where such Release has violated or could reasonably be expected to
violate any applicable Environmental Law.

      (c) Notwithstanding anything to the contrary in this Section 7.19, the
representations and warranties made in this Section 7.19 shall not be untrue
unless the effect of any or all conditions, violations, claims, restrictions,
failures and noncompliances of the types described above could, either
individually or in the aggregate, reasonably be expected to have a Material
Adverse Effect.

      7.20. Labor Relations. Neither the Borrower nor any of its Subsidiaries is
engaged in any unfair labor practice that could reasonably be expected to,
either individually or in the aggregate, have a Material Adverse Effect. There
is (i) no unfair labor practice complaint pending against the Borrower or any of
its Subsidiaries or, to the knowledge of the Borrower, threatened against any of
them, before the National Labor Relations Board, and no grievance or arbitration
proceeding arising out of or under any collective bargaining agreement is so
pending against the Borrower or any of its Subsidiaries or, to the knowledge of
the Borrower, threatened against any of them, (ii) no strike, labor dispute,
slowdown or stoppage pending against the Borrower or any of its Subsidiaries or,
to the knowledge of the Borrower, threatened against the Borrower or any of its
Subsidiaries and (iii) no union representation question exists with respect to
the employees of the Borrower or any of its Subsidiaries, except (with respect
to any matter specified in clause (i), (ii) or (iii) above, either individually
or in the aggregate) such as could not reasonably be expected to have a Material
Adverse Effect.

      7.21. Patents, Licenses, Franchises and Formulas. Each of the Borrower and
each of its Subsidiaries owns or has the right to use all the domestic and
foreign patents, trademarks,

                                      -46-
<PAGE>
permits, service marks, trade names, copyrights, licenses, franchises,
proprietary information (including, but not limited to, rights in computer
programs, databases and data collections) and formulas, or rights with respect
to the foregoing, and has obtained assignments of all leases and other rights of
whatever nature, necessary for the present conduct of its business, without any
known conflict with the rights of others which, or the failure to obtain which,
as the case may be, could reasonably be expected, either individually or in the
aggregate, to result in a Material Adverse Effect.

      7.22. Indebtedness. Schedule 4 of the Disclosure Letter sets forth a true
and complete list of all Indebtedness (including Contingent Obligations) of the
Borrower and its Subsidiaries as of the Initial Borrowing Date and which is to
remain outstanding after giving effect to the Refinancing (excluding the Loans,
the Letters of Credit and the Senior Subordinated Notes, the "Existing
Indebtedness"), in each case showing the aggregate principal amount thereof and
the name of the respective borrower and any Credit Party or any of its
Subsidiaries which directly or indirectly guarantees such debt.

      7.23. Refinancing. At the time of consummation thereof, the Refinancing
shall have been consummated in all material respects in accordance with the
terms of the respective Credit Documents and all applicable laws. At the time of
consummation thereof, all consents and approvals of, and filings and
registrations with, and all other actions in respect of, all governmental
agencies, authorities or instrumentalities required in order to consummate the
Refinancing have been obtained, given, filed or taken and are or will be in full
force and effect (or effective judicial relief with respect thereto has been
obtained). All applicable waiting periods with respect thereto have or, prior to
the time when required, will have, expired without, in all such cases, any
action being taken by any competent authority which restrains, prevents, or
imposes material adverse conditions upon the Refinancing. Additionally, at the
time of the consummation thereof, there does not exist any judgment, order or
injunction prohibiting or imposing material adverse conditions upon the
Refinancing, or the occurrence of any Credit Event or the performance by any
Credit Party of its obligations under the Credit Documents to which it is party.
All actions taken by each Credit Party pursuant to or in furtherance of the
Refinancing have been taken in all material respects in compliance with the
respective Credit Documents and all applicable laws.

      7.24. Insurance. Schedule 5 of the Disclosure Letter sets forth a true and
complete listing of all insurance maintained by the Borrower and its
Subsidiaries as of the Initial Borrowing Date, with the amounts insured (and any
deductibles) set forth therein.

      7.25. Senior Subordinated Notes. The subordination provisions contained in
the Senior Subordinated Notes and in the other Senior Subordinated Note
Documents are enforceable against the Borrower and the holders of the Senior
Subordinated Notes, and all Obligations are within the definition of "Senior
Debt" included in such subordination provisions.

                                      -47-
<PAGE>
                                   SECTION 8

                             AFFIRMATIVE COVENANTS.

      The Borrower hereby covenants and agrees that on and after the Effective
Date and until the Total Commitment and all Letters of Credit have terminated
and the Loans, Notes and Unpaid Drawings (in each case together with interest
thereon), Fees and all other Obligations (other than indemnities described in
Section 13.13 which are not then due and payable) incurred hereunder and
thereunder, are paid in full:

      8.01. Information Covenants. The Borrower will furnish to each Lender:

      (a) Monthly Reports. Within 30 days after the end of each fiscal month of
the Borrower (commencing with its fiscal month ending on March 31, 2002), the
consolidated balance sheet of the Borrower and its Subsidiaries as at the end of
such fiscal month as well as the related consolidated statement of retained
earnings and statement of cash flows and the consolidated and consolidating
statements of income for such fiscal month and for the elapsed portion of the
fiscal year ended with the last day of such fiscal month, in each case setting
forth comparative figures for the corresponding fiscal month in the prior fiscal
year and comparable budgeted figures for such fiscal month, all of which shall
be certified by the chief financial officer of the Borrower that they fairly
present in all material respects in accordance with GAAP the financial condition
of the Borrower and its Subsidiaries as of the dates indicated and the results
of their operations for the periods indicated, subject to normal year-end audit
adjustments and the absence of footnotes.

      (b) Quarterly Financial Statements. Within 50 days after the close of the
first three quarterly accounting periods in each fiscal year of the Borrower
(commencing with its quarterly accounting period ending on March 31, 2002), (i)
the consolidated balance sheet of the Borrower and its Subsidiaries as at the
end of such quarterly accounting period and the related consolidated statements
of income and retained earnings and statement of cash flows for such quarterly
accounting period and for the elapsed portion of the fiscal year ended with the
last day of such quarterly accounting period, in each case setting forth
comparative figures for the related periods in the prior fiscal year, all of
which shall be certified by the chief financial officer of the Borrower that
they fairly present in all material respects in accordance with GAAP the
financial condition of the Borrower and its Subsidiaries as of the dates
indicated and the results of their operations for the periods indicated, subject
to normal year-end audit adjustments and the absence of footnotes, and (ii)
management's discussion and analysis of the important operational and financial
developments during such quarterly accounting period (it being understood that
any management's discussion and analysis set forth in the Borrower's Form 10-Q
for such quarterly accounting period and delivered to the Lenders shall satisfy
the provisions of this clause (ii)).

      (c) Annual Financial Statements. Within 100 days after the close of each
fiscal year of the Borrower, (i) the consolidated balance sheet of the Borrower
and its Subsidiaries as at the end of such fiscal year and the related
consolidated statements of income and retained earnings and statement of cash
flows for such fiscal year setting forth comparative figures for the preceding
fiscal year and certified by KPMG Peat Marwick LLP or such other independent
certified public accountants of recognized national standing reasonably
acceptable to the

                                      -48-
<PAGE>
Administrative Agent, together with a report of such accounting firm stating
that in the course of its regular audit of the financial statements of the
Borrower and its Subsidiaries, which audit was conducted in accordance with
GAAP, such accounting firm obtained no knowledge of any Default or an Event of
Default relating to financial and accounting matters which has occurred and is
continuing or, if in the opinion of such accounting firm such a Default or Event
of Default has occurred and is continuing, a statement as to the nature thereof,
and (ii) management's discussion and analysis of the important operational and
financial developments during such fiscal year (it being understood that any
management's discussion and analysis set forth in the Borrower's Form 10-K for
such quarterly accounting period and delivered to the Lenders shall satisfy the
provisions of this clause (ii)).

      (d) Management Letters. Promptly after the Borrower's or any of its
Subsidiaries' receipt thereof, a copy of any "management letter" received from
its certified public accountants and management's response thereto.

      (e) Budgets. No later than 30 days following the first day of each fiscal
year of the Borrower, a budget in form reasonably satisfactory to the
Administrative Agent (including budgeted statements of income, sources and uses
of cash and balance sheets) prepared by the Borrower (i) for each of the twelve
months of such fiscal year prepared in detail and (ii) for each of the
immediately three succeeding fiscal years prepared in summary form, in each case
setting forth, with appropriate discussion, the principal assumptions upon which
such budgets are based.

      (f) Officer's Certificates. At the time of the delivery of the financial
statements provided for in Sections 8.01(b) and (c), a certificate of the chief
financial officer of the Borrower certifying on behalf of the Borrower that, to
the best of such officer's knowledge, no Default or Event of Default has
occurred and is continuing or, if any Default or Event of Default has occurred
and is continuing, specifying the nature and extent thereof, which certificate
shall (i) set forth in reasonable detail the calculations required to establish
whether the Borrower and its Subsidiaries were in compliance with the provisions
of Sections 4.02(e), 4.02(f) (to the extent delivered with the financial
statements required by Section 8.01(c)), 4.02(g), 9.02(v), 9.03(iii), 9.04,
9.05, 9.07, 9.08, 9.09, 9.10, 9.11 and 9.17 at the end of such fiscal quarter or
year, as the case may be, (ii) if delivered with the financial statements
required by Section 8.01(c), set forth in reasonable detail the amount of (and
the calculations required to establish the amount of) Excess Cash Flow for the
respective Excess Cash Payment Period, and (iii) commencing with the delivery of
the financial statements in respect of the Borrower's fiscal quarter ending on
March 31, 2002, the Applicable Margin for Tranche A Term Loans, Revolving Loans
and Swingline Loans for the Margin Reduction Period commencing with the delivery
of the respective financial statements.

      (g) Notice of Default or Litigation. Promptly upon, and in any event
within five Business Days after, any principal, senior or executive officer of
the Borrower obtains knowledge thereof, notice of (i) the occurrence of any
event which constitutes a Default or an Event of Default and (ii) any litigation
or governmental investigation or proceeding pending (x) against the Borrower or
any of its Subsidiaries which could reasonably be expected to have a Material
Adverse Effect, (y) with respect to any material Indebtedness of the Borrower or
any of its Subsidiaries or (z) with respect to any Credit Document.

                                      -49-
<PAGE>
      (h) Other Reports and Filings. Promptly after the filing or delivery
thereof, copies of all financial information, proxy materials and reports, if
any, which the Borrower or any of its Subsidiaries shall publicly file with the
Securities and Exchange Commission or any successor thereto (the "SEC") or
deliver to holders (or any trustee, agent or other representative therefor) of
its material Indebtedness pursuant to the terms of the documentation governing
such Indebtedness.

      (i) Environmental Matters. Promptly after any principal, senior or
executive officer of the Borrower obtains knowledge thereof, notice of one or
more of the following environmental matters, unless such environmental matters
could not, either individually or when aggregated with all other such
environmental matters, be reasonably expected to have a Material Adverse Effect:

            (i) any pending or threatened Environmental Claim against the
      Borrower or any of its Subsidiaries or any Real Property owned, leased or
      operated by the Borrower or any of its Subsidiaries;

            (ii) any condition or occurrence on or arising from any Real
      Property owned, leased or operated by the Borrower or any of its
      Subsidiaries that (a) results in noncompliance by the Borrower or any of
      its Subsidiaries with any applicable Environmental Law or (b) could be
      expected to form the basis of an Environmental Claim against the Borrower
      or any of its Subsidiaries or any such Real Property;

            (iii) any condition or occurrence on any Real Property owned, leased
      or operated by the Borrower or any of its Subsidiaries that could be
      expected to cause such Real Property to be subject to any restrictions on
      the ownership, lease, occupancy, use or transferability by the Borrower or
      any of its Subsidiaries of such Real Property under any Environmental Law;
      and

            (iv) the taking of any removal or remedial action in response to the
      actual or alleged presence of any Hazardous Material on any Real Property
      owned, leased or operated by the Borrower or any of its Subsidiaries as
      required by any Environmental Law or any governmental or other
      administrative agency; provided that in any event the Borrower shall
      deliver to each Lender all notices received by the Borrower or any of its
      Subsidiaries from any government or governmental agency under, or pursuant
      to, CERCLA which identify the Borrower or any of its Subsidiaries as
      potentially responsible parties for redemption costs or which otherwise
      notify the Borrower or any of its Subsidiaries of potential liability
      under CERCLA.

      All such notices shall describe in reasonable detail the nature of the
      claim, investigation, condition, occurrence or removal or remedial action
      and the Borrower's or such Subsidiary's response thereto.

                                      -50-
<PAGE>
      (j) Other Information. From time to time, such other information or
documents (financial or otherwise) with respect to the Borrower or any of its
Subsidiaries as the Administrative Agent or any Lender may reasonably request.

      8.02. Books, Records and Inspections; Annual Meetings.

      (a) The Borrower will, and will cause each of its Subsidiaries to, keep
proper books of record and accounts in which entries sufficient to prepare the
financial statements required to be delivered pursuant to this Agreement in
conformity with GAAP and all requirements of law shall be made of all dealings
and transactions in relation to its business and activities. The Borrower will,
and will cause each of its Subsidiaries to, permit officers and designated
representatives of the Administrative Agent or any Lender to visit and inspect,
under guidance of officers of the Borrower or such Subsidiary, any of the
properties of the Borrower or such Subsidiary, and to examine the books of
account of the Borrower or such Subsidiary and discuss the affairs, finances and
accounts of the Borrower or such Subsidiary with, and be advised as to the same
by, its and their officers and independent accountants, all upon reasonable
prior notice and at such reasonable times and intervals and to such reasonable
extent as the Administrative Agent or such Lender may reasonably request.

      (b) At a date to be mutually agreed upon between the Administrative Agent
and the Borrower occurring on or prior to the 120th day after the close of each
fiscal year of the Borrower, the Borrower will, at the request of the
Administrative Agent, hold a meeting or a conference call with all of the
Lenders at which meeting or a conference call shall be reviewed the financial
results of the Borrower and its Subsidiaries for the previous fiscal year and
the budgets presented for the current fiscal year of the Borrower.

      8.03. Maintenance of Property; Insurance.

      (a) The Borrower will, and will cause each of its Subsidiaries to, (i)
keep all material property necessary to the business of the Borrower and its
Subsidiaries in reasonably good working order and condition, ordinary wear and
tear and obsolescence excepted, (ii) maintain with financially sound and
reputable insurance companies insurance on all such property in at least such
amounts and against at least such risks as is consistent and in accordance with
industry practice for companies similarly situated owning similar properties in
the same general areas in which the Borrower or any of its Subsidiaries
operates, and (iii) furnish to the Administrative Agent, together with each set
of financial statements delivered pursuant to Section 8.01(c), full information
as to the insurance carried.

      (b) The Borrower will, and will cause each of the Subsidiary Guarantors
to, at all times keep its property insured in favor of the Collateral Agent, and
all policies or certificates (or certified copies thereof) with respect to such
insurance (and any other insurance maintained by the Borrower and/or such
Subsidiary Guarantors) (i) shall be endorsed to the Collateral Agent's
satisfaction for the benefit of the Collateral Agent (including, without
limitation, by naming the Collateral Agent as loss payee and/or additional
insured), (ii) shall state that such insurance policies shall not be canceled
without at least 30 days' prior written notice thereof by the respective insurer
to the Collateral Agent, (iii) shall provide that the respective insurers
irrevocably waive any and all rights of subrogation with respect to the
Collateral Agent and the

                                      -51-
<PAGE>
other Secured Creditors, (iv) shall contain the standard non-contributing
mortgage clause endorsement in favor of the Collateral Agent with respect to
hazard liability insurance, (v) shall, except in the case of public liability
insurance, provide that any losses shall be payable notwithstanding (A) any
foreclosure or other proceeding relating to the insured properties or (B) any
change in the title to or ownership or possession of the insured properties and
(vi) shall be deposited with the Collateral Agent.

      (c) If the Borrower or any of its Subsidiaries shall fail to insure its
property in accordance with this Section 8.03, or if the Borrower or any of its
Subsidiaries shall fail to so endorse and deposit all policies or certificates
with respect thereto, the Administrative Agent shall have the right (but shall
be under no obligation) to procure such insurance and the Borrower agrees to
reimburse the Administrative Agent for all reasonable costs and expenses of
procuring such insurance.

      8.04. Existence; Franchises. The Borrower will, and will cause each of its
Subsidiaries (other than Inactive Subsidiaries) to, do or cause to be done, all
things necessary to preserve and keep in full force and effect its existence and
its material rights, franchises, licenses and patents; provided, however, that
nothing in this Section 8.04 shall prevent (i) sales of assets and other
transactions by the Borrower or any of its Subsidiaries in accordance with
Section 9.02 or (ii) the withdrawal by the Borrower or any of its Subsidiaries
of its qualification as a foreign corporation in any jurisdiction where such
withdrawal could not, either individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect.

      8.05. Compliance with Statutes, etc. The Borrower will, and will cause
each of its Subsidiaries to, comply with all applicable statutes, regulations
and orders of, and all applicable restrictions imposed by, all governmental
bodies, domestic or foreign, in respect of the conduct of its business and the
ownership of its property (including applicable statutes, regulations, orders
and restrictions relating to environmental standards and controls), except such
noncompliances as could not, either individually or in the aggregate, reasonably
be expected to have a Material Adverse Effect.

      8.06. Compliance with Environmental Laws.

      (a) The Borrower will comply, and will cause each of its Subsidiaries to
comply, with all Environmental Laws and permits applicable to, or required by,
the ownership, lease or use of its Real Property now or hereafter owned, leased
or operated by the Borrower or any of its Subsidiaries, will promptly pay or
cause to be paid all costs and expenses incurred in connection with such
compliance, and will keep or cause to be kept all such Real Property free and
clear of any Liens imposed pursuant to such Environmental Laws, except such
noncompliances as could not, either individually or in the aggregate, reasonably
be expected to have a Material Adverse Effect. Neither the Borrower nor any of
its Subsidiaries will generate, use, treat, store, Release or dispose of, or
permit the generation, use, treatment, storage, Release or disposal of Hazardous
Materials on any Real Property now or hereafter owned, leased or operated by the
Borrower or any of its Subsidiaries, or transport or permit the transportation
of Hazardous Materials to or from any such Real Property, except for Hazardous
Materials generated, used, treated, stored, Released or disposed of at any such
Real Properties in compliance in all material respects with all applicable
Environmental Laws and as reasonably required in connection with the normal

                                      -52-
<PAGE>
operation, use and maintenance of the business or operations of the Borrower or
any of its Subsidiaries.

      (b) At the reasonable written request of the Administrative Agent or the
Required Lenders, which request shall specify in reasonable detail the basis
therefor, at any time and from time to time, the Borrower will provide, at the
sole expense of the Borrower, an environmental site assessment report concerning
any Real Property owned, leased or operated by the Borrower or any of its
Subsidiaries, prepared by an environmental consulting firm reasonably approved
by the Administrative Agent, indicating the presence or absence of Hazardous
Materials and the potential cost of any removal or remedial action in connection
with such Hazardous Materials on such Real Property, provided that (i) unless
the Lenders or the Administrative Agent has received any notice of the type
described in Section 8.01(i) or (ii) the Lenders have exercised any of the
remedies pursuant to the last paragraph of Section 10, such request may not be
made more than once every two years in respect of any parcel of Real Property.
If the Borrower fails to provide same within 90 days after such request was
made, the Administrative Agent may order the same, the cost of which shall be
borne by the Borrower and the Borrower shall grant and hereby grant to the
Administrative Agent and the Lenders and their respective agents access to such
Real Property and specifically grant the Administrative Agent and the Lenders an
irrevocable non-exclusive license, subject to the rights of tenants, to
undertake such an assessment at any reasonable time upon reasonable notice to
the Borrower, all at the sole expense of the Borrower.

      8.07. ERISA. As soon as possible and, in any event, within ten (10) days
after the Borrower, any Subsidiary of the Borrower or any ERISA Affiliate knows
or has reason to know of the occurrence of any of the following, the Borrower
will deliver to each of the Lenders a certificate of the chief financial officer
of the Borrower setting forth in reasonable detail information as to such
occurrence and the action, if any, that the Borrower, such Subsidiary or such
ERISA Affiliate is required or proposes to take, together with any notices
required or proposed to be given to or filed with or by the Borrower, the
Subsidiary, the ERISA Affiliate, the PBGC or any other governmental agency, a
Plan participant or the Plan administrator with respect thereto: that a
Reportable Event has occurred (except to the extent that the Borrower has
previously delivered to the Lenders a certificate and notices (if any)
concerning such event pursuant to the next clause hereof); that a contributing
sponsor (as defined in Section 4001(a)(13) of ERISA) of a Plan subject to Title
IV of ERISA is subject to the advance reporting requirement of PBGC Regulation
Section 4043.61 (without regard to subparagraph (b)(1) thereof), and an event
described in subsection .62, .63, .64, .65, .66, .67 or .68 of PBGC Regulation
Section 4043 is reasonably expected to occur with respect to such Plan within
the following 30 days; that an accumulated funding deficiency, within the
meaning of Section 412 of the Code or Section 302 of ERISA, has been incurred or
an application may be or has been made for a waiver or modification of the
minimum funding standard (including any required installment payments) or an
extension of any amortization period under Section 412 of the Code or Section
303 or 304 of ERISA with respect to a Plan; that any contribution required to be
made with respect to a Plan or Foreign Pension Plan has not been timely made;
that a Plan has been or may be terminated, reorganized, partitioned or declared
insolvent under Title IV of ERISA; that a Plan has an Unfunded Current
Liability; that proceedings may be or have been instituted to terminate or
appoint a trustee to administer a Plan which is subject to Title IV of ERISA;
that a proceeding

                                      -53-
<PAGE>
has been instituted pursuant to Section 515 of ERISA to collect a delinquent
contribution to a Plan; that the Borrower, any Subsidiary of the Borrower or any
ERISA Affiliate will or may incur any material liability (including any
indirect, contingent, or secondary liability) to or on account of the
termination of or withdrawal from a Plan under Section 4062, 4063, 4064, 4069,
4201, 4204 or 4212 of ERISA or with respect to a Plan under Section 401(a)(29),
4971, 4975 or 4980 of the Code or Section 409 or 502(i) or 502(l) of ERISA or
with respect to a group health plan (as defined in Section 607(1) of ERISA or
Section 4980B(g)(2) of the Code) under Section 4980B of the Code; or that the
Borrower or any Subsidiary of the Borrower may incur any material liability
pursuant to any employee welfare benefit plan (as defined in Section 3(1) of
ERISA) that provides benefits to retired employees or other former employees
(other than as required by Section 601 of ERISA) or any Plan or any Foreign
Pension Plan. The Borrower will deliver to each of the Lenders copies of any
records, documents or other information that must be furnished to the PBGC with
respect to any Plan pursuant to Section 4010 of ERISA. Upon the request of the
Administrative Agent or any Lender, the Borrower will also deliver to the
Administrative Agent or such Lender a complete copy of the annual report (on
Internal Revenue Service Form 5500-series) of each Plan (including, to the
extent required, the related financial and actuarial statements and opinions and
other supporting statements, certifications, schedules and information) required
to be filed with the Internal Revenue Service. In addition to any certificates
or notices delivered to the Lenders pursuant to the first sentence hereof,
copies of annual reports and any records, documents or other information
required to be furnished to the PBGC or any other governmental agency, and any
material notices received by the Borrower, any Subsidiary of the Borrower or any
ERISA Affiliate with respect to any Plan or Foreign Pension Plan shall be
delivered to the Lenders no later than ten (10) days after the date such annual
report has been filed with the Internal Revenue Service or such records,
documents and/or information has been furnished to the PBGC or any other
governmental agency or such notice has been received by the Borrower, the
respective Subsidiary or the ERISA Affiliate, as applicable. The Borrower and
each of its Subsidiaries shall insure that all Foreign Pension Plans
administered by it or into which it makes payments obtains or retains (as
applicable) registered status under and as required by applicable law and is
administered in a timely manner in all respects in compliance with all
applicable laws except where the failure to do any of the foregoing could not,
either individually or in the aggregate, reasonably be expected to have a
Material Adverse Effect.

      8.08. End of Fiscal Years; Fiscal Quarters. The Borrower will cause (i)
its fiscal year to end on the last day of one of the fiscal quarters set forth
in clause (ii) below and (ii) each of its fiscal quarters to end on March 31,
June 30, September 30 and December 31 of each year.

      8.09. Performance of Obligations. The Borrower will, and will cause each
of its Subsidiaries to, perform all of its obligations under the terms of each
mortgage, indenture, security agreement, loan agreement or credit agreement and
each other material agreement, contract or instrument by which it is bound,
except such non-performances as could not, either individually or in the
aggregate, reasonably be expected to have a Material Adverse Effect.

      8.10. Payment of Taxes. The Borrower will pay and discharge, and will
cause each of its Subsidiaries to pay and discharge, all taxes, assessments and
governmental charges or levies imposed upon it or upon its income or profits, or
upon any properties belonging to it, prior to the

                                      -54-
<PAGE>
date on which penalties attach thereto, and all lawful claims for sums that have
become due and payable which, if unpaid, might become a Lien not otherwise
permitted under Section 9.01(i); provided that neither the Borrower nor any of
its Subsidiaries shall be required to pay any such tax, assessment, charge, levy
or claim which is immaterial or is being contested in good faith and by proper
proceedings if it has maintained adequate reserves with respect thereto in
accordance with GAAP.

      8.11. Additional Security; Further Assurances.

      (a) The Borrower will, and will cause each of its Domestic Subsidiaries
(other than an Inactive Subsidiary) and, to the extent required by Section 8.13,
each of its Foreign Subsidiaries to, grant to the Collateral Agent security
interests and Mortgages in such assets and properties of the Borrower and such
Subsidiaries as are not covered by the original Security Documents, and as may
be reasonably requested from time to time by the Required Lenders (collectively,
the "Additional Security Documents"). All such security interests and Mortgages
shall be granted pursuant to documentation reasonably satisfactory in form and
substance to the Administrative Agent and shall constitute valid and enforceable
perfected security interests and Mortgages superior to and prior to the rights
of all third Persons and subject to no other Liens except for Permitted Liens.
The Additional Security Documents or instruments related thereto shall have been
duly recorded or filed in such manner and in such places as are required by law
to establish, perfect, preserve and protect the Liens in favor of the Collateral
Agent required to be granted pursuant to the Additional Security Documents and
all taxes, fees and other charges payable in connection therewith shall have
been paid in full.

      (b) The Borrower will, and will cause each of the Subsidiary Guarantors
to, at the expense of the Borrower, make, execute, endorse, acknowledge, file
and/or deliver to the Collateral Agent from time to time such vouchers,
invoices, schedules, confirmatory assignments, conveyances, financing
statements, transfer endorsements, powers of attorney, certificates, real
property surveys, reports, landlord waivers and other assurances or instruments
and take such further steps relating to the Collateral covered by any of the
Security Documents as the Collateral Agent may reasonably require. Furthermore,
the Borrower will cause to be delivered to the Collateral Agent such opinions of
counsel, title insurance and other related documents as may be reasonably
requested by the Administrative Agent to assure itself that this Section 8.11
has been complied with.

      (c) If the Administrative Agent or the Required Lenders reasonably
determine that they are required by law or regulation to have appraisals
prepared in respect of the Real Property of the Borrower and its Subsidiaries
constituting Collateral, the Borrower will, at its own expense, provide to the
Administrative Agent appraisals which satisfy the applicable requirements of the
Real Estate Appraisal Reform Amendments of the Financial Institution Reform,
Recovery and Enforcement Act of 1989, as amended, and which shall otherwise be
in form and substance reasonably satisfactory to the Administrative Agent.

      (d) The Borrower agrees that each action required above by this Section
8.11 shall be completed as soon as possible, but in no event later than 90 days
after such action is either requested to be taken by the Administrative Agent or
the Required Lenders or required to be taken by the Borrower and/or its
Subsidiaries pursuant to the terms of this Section 8.11; provided

                                      -55-
<PAGE>
that, in no event will the Borrower or any of its Subsidiaries be required to
take any action, other than using its best efforts, to obtain consents from
third parties with respect to its compliance with this Section 8.11.

      8.12. Use of Proceeds. The Borrower will use the proceeds of the Loans
only as provided in Section 7.08.

      8.13. Foreign Subsidiaries Security. If, following a change in the
relevant sections of the Code or the regulations, rules, rulings, notices or
other official pronouncements issued or promulgated thereunder, the Borrower
does not within 30 days after a request from the Administrative Agent or the
Required Lenders deliver evidence, in form and substance reasonably satisfactory
to the Administrative Agent, with respect to any Foreign Subsidiary of the
Borrower which has not already had all of its stock pledged pursuant to the
Pledge Agreement that

            (i) a pledge of 65% or more of the total combined voting power of
      all classes of capital stock of such Foreign Subsidiary entitled to vote,

            (ii) the entering into by such Foreign Subsidiary of a security
      agreement in substantially the form of the Security Agreement, and

            (iii) the entering into by such Foreign Subsidiary of a guaranty in
      substantially the form of the Subsidiaries Guaranty,

in any such case could reasonably be expected to cause (I) any undistributed
earnings of such Foreign Subsidiary as determined for Federal income tax
purposes to be treated as a deemed dividend to such Foreign Subsidiary's United
States parent for Federal income tax purposes or (II) other Federal income tax
consequences to the Credit Parties having a Material Adverse Effect, then in the
case of a failure to deliver the evidence described in clause (i) above, that
portion of such Foreign Subsidiary's outstanding capital stock not theretofore
pledged pursuant to the Pledge Agreement shall be promptly pledged to the
Collateral Agent for the benefit of the Secured Creditors pursuant to the Pledge
Agreement (or another pledge agreement in substantially similar form, if
needed), and in the case of a failure to deliver the evidence described in
clause (ii) above, such Foreign Subsidiary shall promptly execute and deliver
the Security Agreement and Pledge Agreement (or another security agreement or
pledge agreement in substantially similar form, if needed), granting the Secured
Creditors a security interest in all of such Foreign Subsidiary's assets and
securing the Obligations of the Borrower under the Credit Documents and under
any Interest Rate Protection Agreement or Other Hedging Agreement and, in the
event the Subsidiaries Guaranty shall have been executed by such Foreign
Subsidiary, the obligations of such Foreign Subsidiary thereunder, and in the
case of a failure to deliver the evidence described in clause (iii) above, such
Foreign Subsidiary shall promptly execute and deliver the Subsidiaries Guaranty
(or another guaranty in substantially similar form, if needed), guaranteeing the
Obligations of the Borrower under the Credit Documents and under any Interest
Rate Protection Agreement or Other Hedging Agreement, in each case to the extent
that the entering into of the Security Agreement, Pledge Agreement or
Subsidiaries Guaranty is permitted by the laws of the respective foreign
jurisdiction and with all documents delivered

                                      -56-
<PAGE>
pursuant to this Section 8.13 to be in form and substance reasonably
satisfactory to the Administrative Agent.

      8.14. Margin Stock. In the event that the Borrower or any other Credit
Party holds any Margin Stock that is required to be pledged pursuant to the
Pledge Agreement, the Borrower will duly execute and deliver to each Lender an
appropriately completed Form U-1 or Form G-3 referred to in Regulation U.

      8.15. Permitted Acquisitions.

      (a) Subject to the provisions of this Section 8.15 and the requirements
contained in the definition of Permitted Acquisition, the Borrower and its
Wholly-Owned Subsidiaries may from time to time effect Permitted Acquisitions,
so long as (in each case except to the extent the Required Lenders otherwise
specifically agree in writing in the case of a specific Permitted Acquisition):

            (i) no Default or Event of Default shall have occurred and be
      continuing at the time of the consummation of the proposed Permitted
      Acquisition or immediately after giving effect thereto;

            (ii) the Borrower shall have given to the Administrative Agent and
      the Lenders at least 10 Business Days' prior written notice of any
      Permitted Acquisition;

            (iii) (a) each of the Total Leverage Ratio and the Senior Leverage
      Ratio, on a pro forma basis, is 25 basis points below the maximum ratio in
      effect under Sections 9.08 and 9.09 on the last day of the Test Period
      (taken as one accounting period) most recently then ended for which
      financial statements are available, and (b) the Consolidated EBITDA, on a
      pro forma basis for such Test Period, is greater than 115% of the minimum
      amount of Consolidated EBITDA required pursuant to Section 9.10 in respect
      of such Test Period, provided, however, that in the case of a Permitted
      Acquisition involving the payment of less than $5,000,000 of cash
      consideration, the requirement for this clause (a)(iii)(b) shall be that
      the Consolidated EBITDA, on a pro forma basis for such Test Period, is
      greater than 105% of the minimum amount of Consolidated EBITDA required
      pursuant to Section 9.10 in respect of such Test Period. For the purposes
      of this clause (a)(iii), such Permitted Acquisition shall be deemed to
      have occurred on the first day of such Test Period and the computation of
      the Total Leverage Ratio, the Senior Leverage Ratio, and Consolidated
      EBITDA, as the case may be, shall be determined so as to give effect to
      (x) all Indebtedness incurred or repaid in connection with such Permitted
      Acquisition and (y) the related S-X Adjustments referred to in Section
      8.15(e) below;

            (iv) all representations and warranties contained herein and in the
      other Credit Documents shall be true and correct in all material respects
      with the same effect as though such representations and warranties had
      been made on and as of the date of such Permitted Acquisition (both before
      and after giving effect thereto), unless stated to relate to a specific
      earlier date, in which case such representations and warranties shall be
      true and correct in all material respects as of such earlier date;

                                      -57-
<PAGE>
            (v) the aggregate consideration, including, without limitation, (I)
      the aggregate principal amount of any Indebtedness assumed, incurred or
      issued in connection therewith, (II) the fair market value (as determined
      in good faith by the Board of Directors of the Borrower) of any common
      stock or Qualified Preferred Stock of the Borrower issued as part of the
      purchase price therefor (provided that no Default or Event of Default
      under Section 10.10 would result therefrom) and (III) the aggregate amount
      paid and to be paid pursuant to any earn-out, non-compete or deferred
      compensation or purchase price arrangements (the "Total Consideration")
      for any such proposed Permitted Acquisition shall not exceed $15,000,000
      (or $20,000,000 if the Total Leverage Ratio, as determined on a pro forma
      basis pursuant to Section 8.15(a) (iii) above, is less than 2.25:1);

            (vi) the Total Consideration for such Permitted Acquisition, when
      added to the Total Consideration for all other Permitted Acquisitions
      consummated during the twelve-month period preceding the date of such
      Permitted Acquisition, shall not exceed $30,000,000 (or $40,000,000 if the
      Total Leverage Ratio, as determined on a pro forma basis pursuant to
      Section 8.15(a)(iii) above, is less than 2.25:1);

            (vii) immediately after giving effect to each Permitted Acquisition
      (and all payments to be made in connection therewith), the Total
      Unutilized Revolving Loan Commitment, when added to the aggregate amount
      of unrestricted cash and Cash Equivalents held by the Borrower and its
      Wholly-Owned Domestic Subsidiaries, shall equal or exceed $7,000,000 (or
      $10,000,000 if the Total Revolving Loan Commitment is increased to
      $20,000,000);

            (viii) the aggregate consideration paid in connection with all
      Permitted Acquisitions in which the Person or assets so acquired had more
      than 15% of their assets or annual revenues outside of the United States
      and Canada (as determined from the most recently available financial
      information for such Person or assets) does not exceed $10,000,000 in any
      fiscal year of the Borrower;

            (ix) such Permitted Acquisition is non-hostile (i.e., the prior,
      effective written consent or approval to such Permitted Acquisition of the
      board of directors or equivalent governing body of the Acquired Entity or
      Business shall have been obtained); and

            (x) the Borrower shall have delivered to the Administrative Agent
      and each Lender an officer's certificate executed by a senior financial
      officer of the Borrower, certifying to the best of such officer's
      knowledge, compliance with the requirements of preceding clauses (i)
      through (ix), inclusive, and containing the calculations (in reasonable
      detail) (A) evidencing compliance with the preceding clauses (iii), (v),
      (vi), (vii) and (viii) and (B) necessary to establish the Acquired EBITDA
      of the Acquired Entity or Business acquired pursuant to such Permitted
      Acquisition for the most Test Period referred to above, which calculations
      shall be reasonably approved by the Administrative Agent.

      (b) At the time of each Permitted Acquisition involving the creation or
acquisition of a Subsidiary, or the acquisition of capital stock or other equity
interest of any Person, all capital

                                      -58-
<PAGE>
stock or other equity interests thereof created or acquired in connection with
such Permitted Acquisition shall be pledged for the benefit of the Secured
Creditors pursuant to (and to the extent required by) the Pledge Agreement.

      (c) The Borrower will cause each Subsidiary which is formed to effect, or
is acquired pursuant to, a Permitted Acquisition to comply with, and to execute
and deliver, all of the documentation as and to the extent required by, Sections
8.11 and 9.16, to the satisfaction of the Administrative Agent.

      (d) The consummation of each Permitted Acquisition shall be deemed to be a
representation and warranty by the Borrower that the certifications by the
Borrower pursuant to Section 8.15(a) are true and correct and that all
conditions thereto have been satisfied and that same is permitted in accordance
with the terms of this Agreement, which representation and warranty shall be
deemed to be a representation and warranty for all purposes hereunder,
including, without limitation, Sections 7 and 10.

      (e) The determination of the Total Leverage Ratio, the Senior Leverage
Ratio and the Consolidated EBITDA, on a pro forma basis pursuant to Section
8.15(a)(iii), shall give effect to factually supportable and identifiable cost
savings and expenses which (i) are disclosed by the Borrower to (and not
objected to by) the Administrative Agent and (ii) would otherwise be accounted
for as an adjustment pursuant to Article 11 of Regulation S-X under the
Securities Act, as if such cost savings or expenses were realized on the first
day of the applicable period (collectively, the "S-X Adjustments").

      8.16. Certain Post-Closing Actions. (i) Within 90 days after the Initial
Borrowing Date, the Borrower will use its reasonable best efforts to deliver to
the Administrative Agent landlord waivers with respect to those Leaseholds of
the Borrower or any of its Subsidiaries designated on Schedule 1 to the
Disclosure Letter as requiring a landlord waiver, which landlord waivers shall
be in form and substance reasonably satisfactory to the Administrative Agent,
(ii) within 60 days after the Initial Borrowing Date, the Borrower will,
pursuant to Section 8.11, grant or cause to be granted to the Collateral Agent,
Mortgages on the properties owned by the Borrower located in Omaha, Nebraska,
Carter Lake, Iowa, and Marshfield, Wisconsin, accompanied by supporting
documentation acceptable to the Administrative Agent, (iii) within 90 days after
the Initial Borrowing Date, the Borrower shall deliver Control Agreements as
required by the Pledge Agreement and Security Agreement for all Deposit Accounts
and Securities Accounts (as those terms are defined in the Security Agreement)
other than as relate to any accounts with U.S. Bank, N.A. (it being understood
that any Control Agreements for accounts with U.S Bank, N.A. are to be delivered
prior to or on the Initial Borrowing Date), and (iv) within 90 days after the
Initial Borrowing Date deliver stock certificates of Donnelley Marketing, Inc.
and Listing Services Solutions, Incorporated ("Replacement Certificates")
pledged pursuant to the Pledge Agreement, for which stock certificates lost
stock certificate affidavits have been delivered to the Administrative Agent.
Notwithstanding any provision in any of the Credit Documents to the contrary, it
is understood that (i) the delivery of the foregoing Control Agreements and
Replacement Certificates shall not be a condition under Sections 5 and 6 of this
Agreement, and (ii) the failure to deliver the foregoing Control Agreements and
Replacement Certificates on or before the Initial Borrowing Date shall not of
itself constitute a breach of any representation or warranty as of the Initial
Borrowing Date or within 90 days thereafter.

                                      -59-
<PAGE>
                                   SECTION 9

                               NEGATIVE COVENANTS.

      The Borrower hereby covenants and agrees that on and after the Effective
Date and until the Total Commitment and all Letters of Credit have terminated
and the Loans, Notes and Unpaid Drawings (in each case, together with interest
thereon), Fees and all other Obligations (other than any indemnities described
in Section 13.13 which are not then due and payable) incurred hereunder and
thereunder, are paid in full:

      9.01. Liens. The Borrower will not, and will not permit any of its
Subsidiaries to, create, incur, assume or suffer to exist any Lien upon or with
respect to any property or assets (real or personal, tangible or intangible) of
the Borrower or any of its Subsidiaries, whether now owned or hereafter
acquired, or sell any such property or assets subject to an understanding or
agreement, contingent or otherwise, to repurchase such property or assets
(including sales of accounts receivable with recourse to the Borrower or any of
its Subsidiaries), or assign any right to receive income or permit the filing of
any financing statement under the UCC or any other similar notice of Lien under
any similar recording or notice statute; provided that the provisions of this
Section 9.01 shall not prevent the creation, incurrence, assumption or existence
of the following (Liens described below are herein referred to as "Permitted
Liens"):

            (i) inchoate Liens for taxes, assessments or governmental charges or
      levies not yet due or Liens for taxes, assessments or governmental charges
      or levies being contested in good faith and by appropriate proceedings for
      which adequate reserves have been established in accordance with GAAP;

            (ii) Liens in respect of property or assets of the Borrower or any
      of its Subsidiaries imposed by law, which were incurred in the ordinary
      course of business and do not secure Indebtedness for borrowed money, such
      as carriers', warehousemen's, materialmen's and mechanics' liens and other
      similar Liens arising in the ordinary course of business, and (x) which do
      not in the aggregate materially detract from the value of the Borrower's
      or such Subsidiary's property or assets or materially impair the use
      thereof in the operation of the business of the Borrower or such
      Subsidiary or (y) which are being contested in good faith by appropriate
      proceedings, which proceedings have the effect of preventing the
      forfeiture or sale of the property or assets subject to any such Lien;

            (iii) Liens in existence on the Initial Borrowing Date which are
      listed, and the property subject thereto described, in Schedule 6 of the
      Disclosure Letter, but only to the respective date, if any, set forth in
      such Schedule 6 for the removal, replacement and termination of any such
      Liens, plus renewals, replacements and extensions of such Liens to the
      extent set forth on such Schedule 6, provided that (x) the aggregate
      principal amount of the Indebtedness, if any, secured by such Liens does
      not increase from that amount outstanding at the time of any such renewal,
      replacement or extension and (y) any such renewal, replacement or
      extension does not encumber any additional assets or properties of the
      Borrower or any of its Subsidiaries;

                                      -60-
<PAGE>
            (iv) Liens created pursuant to the Security Documents;

            (v) leases or subleases granted to other Persons not materially
      interfering with the conduct of the business of the Borrower or any of its
      Subsidiaries;

            (vi) Liens upon assets of the Borrower or any of its Subsidiaries
      subject to Capitalized Lease Obligations to the extent such Capitalized
      Lease Obligations are permitted by Section 9.04(iv), provided that (x)
      such Liens only serve to secure the payment of Indebtedness arising under
      such Capitalized Lease Obligation and (y) the Lien encumbering the asset
      giving rise to the Capitalized Lease Obligation does not encumber any
      other asset of the Borrower or any Subsidiary of the Borrower;

            (vii) Liens placed upon (x) equipment or machinery acquired after
      the Initial Borrowing Date and used in the ordinary course of business of
      the Borrower or any of its Subsidiaries at the time of the acquisition
      thereof by the Borrower or any such Subsidiary or within 90 days
      thereafter to secure Indebtedness incurred to pay all or a portion of the
      purchase price thereof or to secure Indebtedness incurred solely for the
      purpose of financing the acquisition of any such equipment or machinery or
      extensions, renewals or replacements of any of the foregoing for the same
      or a lesser amount or (y) Real Property acquired or constructed after the
      Initial Borrowing Date and used in the ordinary course of business of the
      Borrower or any of its Subsidiaries at the time of the acquisition or
      construction thereof by the Borrower or any of its Subsidiaries or within
      180 days thereafter to secure Indebtedness incurred to pay all or a
      portion of the purchase price or construction cost thereof or to secure
      Indebtedness incurred solely for the purpose of financing the acquisition
      or construction of any such Real Property or extensions, renewals or
      replacements of any of the foregoing for the same or a lesser amount,
      provided that (i) the Indebtedness secured by all such Liens described in
      this clause (vii) is permitted by Section 9.04(iv) and (y) in all events,
      the Lien encumbering the asset so acquired or constructed does not
      encumber any other asset of the Borrower or such Subsidiary;

            (viii) easements, rights-of-way, restrictions, encroachments and
      other similar charges or encumbrances, and minor title deficiencies, in
      each case not securing Indebtedness and not materially interfering with
      the conduct of the business of the Borrower or any of its Subsidiaries;

            (ix) Liens arising from precautionary UCC financing statement
      filings regarding operating leases;

            (x) Liens arising out of the existence of judgments or awards in
      respect of which the Borrower or any of its Subsidiaries shall in good
      faith be prosecuting an appeal or proceedings for review and in respect of
      which there shall have been secured a subsisting stay of execution pending
      such appeal or proceedings, provided that the aggregate amount of all cash
      and the fair market value of all

                                      -61-
<PAGE>
      other property subject to such Liens does not exceed $5,000,000 at any
      time outstanding;

            (xi) statutory and common law landlords' liens under leases to which
      the Borrower or any of its Subsidiaries is a party;

            (xii) Liens (other than Liens imposed under ERISA) incurred in the
      ordinary course of business in connection with workers compensation
      claims, unemployment insurance and social security benefits;

            (xiii) Liens securing the performance of bids, tenders, leases and
      contracts in the ordinary course of business, statutory obligations,
      surety bonds, performance bonds and other obligations of a like nature
      incurred in the ordinary course of business and consistent with past
      practice (exclusive of obligations in respect of the payment for borrowed
      money), provided that the aggregate amount of all cash and the fair market
      value of all other property subject to all Liens permitted by this clause
      (xiii) shall not at any time exceed $1,500,000;

            (xiv) Liens on property or assets acquired pursuant to a Permitted
      Acquisition, or on property or assets of a Subsidiary of the Borrower in
      existence at the time such Subsidiary is acquired pursuant to a Permitted
      Acquisition, provided that (x) any Indebtedness that is secured by such
      Liens is permitted to exist under Section 9.04(ix), and (y) such Liens are
      not incurred in connection with, or in contemplation or anticipation of,
      such Permitted Acquisition and do not attach to any other asset of the
      Borrower or any of its Subsidiaries;

            (xv) Liens in favor of customs and revenue authorities arising as a
      matter of law to secure payment of customs duties in connection with the
      importation of goods;

            (xvi) Liens which constitute rights of set-off of a customary nature
      or bankers' Liens with respect to amounts on deposit, whether arising by
      operation of law or by contract, in connection with arrangements entered
      into with banks in the ordinary course of business;

            (xvii) Liens on insurance proceeds securing the payment of financed
      insurance premiums; and

            (xviii) Permitted Encumbrances.

In connection with the granting of Liens of the type described in clauses (vi)
and (vii) of this Section 9.01 by the Borrower or any of its Subsidiaries, the
Administrative Agent and the Collateral Agent shall be authorized to take any
actions deemed appropriate by it in connection therewith (including, without
limitation, by executing appropriate lien releases or lien subordination
agreements in favor of the holder or holders of such Liens, in either case
solely with respect to the item or items of equipment or other assets subject to
such Liens).

                                      -62-
<PAGE>
      9.02. Consolidation, Merger, Purchase or Sale of Assets, etc. The Borrower
will not, and will not permit any of its Subsidiaries to, wind up, liquidate or
dissolve its affairs or enter into any transaction of merger or consolidation,
or convey, sell, lease or otherwise dispose of all or any part of its property
or assets, or enter into any sale-leaseback transactions, or purchase or
otherwise acquire (in one or a series of related transactions) any part of the
property or assets (other than purchases or other acquisitions of inventory,
materials and equipment in the ordinary course of business) of any Person (or
agree to do any of the foregoing at any future time (unless such agreement
relates to an action otherwise permitted by this Section 9.02, or to the extent
that the respective action is not otherwise permitted by this Section 9.02 (and
the Loans will not be repaid in full, and all Commitments terminated, at the
time of the consummation of the respective action), such agreement expressly
provides that the consent of the requisite percentage of Lenders hereunder is
required to be obtained in connection therewith)), except that:

            (i) Capital Expenditures by the Borrower and its Subsidiaries shall
      be permitted to the extent not in violation of Section 9.07;

            (ii) each of the Borrower and its Subsidiaries may make sales of
      inventory and license intellectual property in the ordinary course of
      business;

            (iii) each of the Borrower and its Subsidiaries may sell obsolete,
      uneconomic or worn-out equipment or materials in the ordinary course of
      business;

            (iv) Permitted Acquisitions may be made to the extent permitted by
      Section 8.15;

            (v) each of the Borrower and its Subsidiaries may sell other assets
      (other than the capital stock of any Subsidiary Guarantor), so long as (v)
      no Default or Event of Default then exists or would result therefrom, (w)
      each such sale is in an arm's-length transaction and the Borrower or the
      respective Subsidiary receives at least fair market value (as determined
      in good faith by the Borrower or such Subsidiary, as the case may be), (x)
      the total consideration received by the Borrower or such Subsidiary is at
      least 75% cash and is paid at the time of the closing of such sale, (y)
      the Net Sale Proceeds therefrom are applied and/or reinvested as (and to
      the extent) required by Section 4.02(e) and (z) the aggregate amount of
      the proceeds received from all assets sold pursuant to this clause (v)
      shall not exceed $5,000,000 in any fiscal year of the Borrower;

            (vi) Investments may be made to the extent permitted by Section
      9.05;

            (vii) each of the Borrower and its Subsidiaries may lease (as
      lessee) real or personal property (so long as any such lease does not
      create a Capitalized Lease Obligation except to the extent permitted by
      Section 9.04(iv));

            (viii) each of the Borrower and its Subsidiaries may sell or
      discount, in each case without recourse and in the ordinary course of
      business, accounts

                                      -63-
<PAGE>
      receivable arising in the ordinary course of business, but only in
      connection with the compromise or collection thereof and not as part of
      any financing transaction;

            (ix) each of the Borrower and its Subsidiaries may grant leases or
      subleases to other Persons not materially interfering with the conduct of
      the business of the Borrower or any of its Subsidiaries;

            (x) any Subsidiary of the Borrower (i) may be merged or consolidated
      with or into the Borrower or liquidated so long as the Borrower is the
      surviving corporation of such merger or consolidation or receives the
      assets of such Subsidiary upon such liquidation and (ii) may transfer its
      assets to the Borrower or to any Subsidiary Guarantor;

            (xi) any Subsidiary of the Borrower may be merged or consolidated
      with or into any other Subsidiary of the Borrower or liquidated so long as
      (i) in the case of any (x) such merger or consolidation involving a
      Subsidiary Guarantor, a Subsidiary Guarantor is the surviving corporation
      of such merger or consolidation or (y) such liquidation involving a
      Subsidiary Guarantor, a Subsidiary Guarantor receives the assets of such
      Subsidiary upon such liquidation and (ii) in the case of any (x) such
      merger or consolidation involving a Wholly-Owned Subsidiary of the
      Borrower, in addition to the requirements of preceding clause (i)(x), a
      Wholly-Owned Subsidiary is the surviving corporation of such merger or
      consolidation or (y) such liquidation, in addition to the requirements of
      preceding clause (i)(y), a Wholly-Owned Subsidiary receives the assets of
      such Subsidiary upon such liquidation.

To the extent the Required Lenders waive the provisions of this Section 9.02
with respect to the sale of any Collateral, or any Collateral is sold as
permitted by this Section 9.02 (other than to the Borrower or a Subsidiary
thereof), such Collateral shall be sold free and clear of the Liens created by
the Security Documents, and the Administrative Agent and the Collateral Agent
shall be authorized to take any actions deemed appropriate in order to effect
the foregoing.

      9.03. Dividends. The Borrower will not, and will not permit any of its
Subsidiaries to, authorize, declare or pay any Dividends with respect to the
Borrower or any of its Subsidiaries, except that:

            (i) any Subsidiary of the Borrower may pay cash Dividends to the
      Borrower or to any Wholly-Owned Subsidiary of the Borrower;

            (ii) any non-Wholly-Owned Subsidiary of the Borrower may pay cash
      Dividends to its shareholders generally so long as the Borrower or its
      respective Subsidiary which owns the equity interest in the Subsidiary
      paying such Dividends receives at least its proportionate share thereof
      (based upon its relative holding of the equity interest in the Subsidiary
      paying such Dividends and taking into account the relative preferences, if
      any, of the various classes of equity interests of such Subsidiary);

                                      -64-
<PAGE>
            (iii) with prior written consent of the Required Lenders and so long
      as there shall exist no Default or Event of Default (both before and after
      giving effect to the payment thereof), the Borrower may repurchase
      outstanding shares of its common stock (or options to purchase such common
      stock) following the death, disability or termination of employment of
      officers, directors or employees of the Borrower or any of its
      Subsidiaries, provided that the aggregate amount of Dividends paid by the
      Borrower pursuant to this clause (iii) shall not exceed $500,000 in any
      fiscal year of the Borrower;

            (iv) the Borrower may pay regularly scheduled Dividends on its
      Qualified Preferred Stock pursuant to the terms thereof solely through the
      issuance of additional shares of such Qualified Preferred Stock rather
      than in cash;

            (v) with the prior written consent of the Required Lenders, the
      Borrower may redeem its outstanding preferred stock purchase rights issued
      under the Borrower's stockholder's rights plan in an aggregate amount not
      to exceed $500,000; and

            (vi) other Dividends, provided that (a) before and after giving
      effect to the payment thereof, no Default or Event of Default shall exist,
      and (b) the Borrower shall be in compliance with the limitations set forth
      in Section 9.17.

      9.04. Indebtedness. The Borrower will not, and will not permit any of its
Subsidiaries to, contract, create, incur, assume or suffer to exist any
Indebtedness, except:

            (i) Indebtedness incurred pursuant to this Agreement and the other
      Credit Documents;

            (ii) Existing Indebtedness outstanding on the Initial Borrowing Date
      and listed on Schedule 4 of the Disclosure Letter, without giving effect
      to any subsequent extension, renewal or refinancing thereof except to the
      extent set forth on such Schedule 4, provided that the aggregate principal
      amount of the Indebtedness to be extended, renewed or refinanced does not
      increase from that amount outstanding at the time of any such extension,
      renewal or refinancing;

            (iii) Indebtedness under Interest Rate Protection Agreements in
      notional amounts not to exceed the outstanding Loans pursuant to this
      Agreement, such Interest Rate Protection Agreements to be reasonably
      acceptable to the Administrative Agent and entered into with respect to
      other Indebtedness permitted under this Section 9.04;

            (iv) Indebtedness of the Borrower and its Subsidiaries evidenced by
      Capitalized Lease Obligations (to the extent permitted pursuant to Section
      9.07) and purchase money Indebtedness described in Section 9.01(vii),
      provided that in no event shall the sum of the aggregate principal amount
      of all Capitalized Lease Obligations and purchase money Indebtedness
      permitted by this clause (iv) exceed $10,000,000 at any time outstanding;

                                      -65-
<PAGE>
            (v) intercompany Indebtedness among the Borrower and its
      Subsidiaries to the extent permitted by Sections 9.05(xi), (xiii), (xiv),
      (xv) and (xvi);

            (vi) Indebtedness consisting of guaranties by the Borrower and its
      Subsidiaries of Indebtedness of the Borrower and its Subsidiaries
      otherwise permitted to be incurred under this Section 9.04 (other than in
      respect of the Senior Subordinated Notes), in each case only so long as
      the giving of such guaranty does not require a Subsidiary of the Borrower
      to guaranty the Borrower's obligations in respect of the Senior
      Subordinated Notes;

            (vii) Indebtedness under Other Hedging Agreements providing
      protection against fluctuations in currency values in connection with the
      Borrower's or any of its Subsidiaries' operations so long as management of
      the Borrower or such Subsidiary, as the case may be, has determined that
      the entering into of such Other Hedging Agreements are bona fide hedging
      activities and are not for speculative purposes;

            (viii) Indebtedness of the Borrower under the Senior Subordinated
      Notes and the other Senior Subordinated Note Documents in an aggregate
      principal amount not to exceed $106,000,000 (as reduced by any repayments
      of principal thereof);

            (ix) Indebtedness of a Subsidiary acquired pursuant to a Permitted
      Acquisition (or Indebtedness assumed at the time of a Permitted
      Acquisition of an asset securing such Indebtedness), provided that (x)
      such Indebtedness was not incurred in connection with, or in anticipation
      or contemplation of, such Permitted Acquisition, (y) such Indebtedness
      does not constitute debt for borrowed money (other than debt for borrowed
      money incurred in connection with industrial revenue or industrial
      development bond financings), it being understood and agreed that
      Capitalized Lease Obligations and purchase money Indebtedness of the type
      described in Section 9.01(vii) shall not constitute debt for borrowed
      money for purposes of this clause (y), and (z) at the time of such
      Permitted Acquisition, the aggregate of all Indebtedness permitted under
      this clause (ix) does not exceed the greater of $5,000,000 or 15% of the
      total value of the assets of all Subsidiaries (or assets) so acquired
      since the Effective Date hereof;

            (x) Indebtedness arising from the honoring by a bank or other
      financial institution of a check, draft or similar instrument
      inadvertently (except in the case of daylight overdrafts) drawn against
      insufficient funds in the ordinary course of business, so long as such
      Indebtedness not otherwise constituting Indebtedness permitted under this
      Section 9.04 is extinguished within two Business Days of the incurrence
      thereof;

            (xi) Indebtedness in respect of bid, performance, advance payment or
      surety bonds entered into in the ordinary course of business and
      consistent with past practices in an aggregate amount not to exceed
      $1,500,000 at any time outstanding; and

                                      -66-
<PAGE>
            (xii) so long as no Default or Event of Default then exists or would
      result therefrom, additional unsecured Indebtedness incurred by the
      Borrower and its Subsidiaries in an aggregate principal amount not to
      exceed $10,000,000 at any one time outstanding.

      9.05. Advances, Investments and Loans. The Borrower will not, and will not
permit any of its Subsidiaries to, directly or indirectly, lend money or credit
or make advances to any Person, or purchase or acquire any stock, obligations or
securities of, or any other interest in, or make any capital contribution to,
any other Person, or purchase or own a futures contract or otherwise become
liable for the purchase or sale of currency or other commodities at a future
date in the nature of a futures contract, or hold any cash or Cash Equivalents
(each of the foregoing an "Investment" and, collectively, "Investments"), except
that the following shall be permitted:

            (i) the Borrower and its Subsidiaries may acquire and hold accounts
      receivables owing to any of them, if created or acquired in the ordinary
      course of business and payable or dischargeable in accordance with
      customary trade terms of the Borrower or such Subsidiary;

            (ii) the Borrower and its Subsidiaries may acquire and hold cash and
      Cash Equivalents, provided that during any time when Revolving Loans or
      Swingline Loans are outstanding, the aggregate amount of cash and Cash
      Equivalents permitted to be held by the Borrower and its Domestic
      Subsidiaries shall not exceed $7,500,000 for any period of five
      consecutive Business Days;

            (iii) the Borrower and its Subsidiaries may hold the Investments
      held by them on the Initial Borrowing Date and described on Schedule 7 of
      the Disclosure Letter, provided that any additional Investments made with
      respect thereto shall be permitted only if independently justified under
      the other provisions of this Section 9.05;

            (iv) the Borrower and its Subsidiaries may acquire and own
      investments (including debt obligations) received in connection with the
      bankruptcy or reorganization of suppliers and customers and in good faith
      settlement of delinquent obligations of, and other disputes with,
      customers and suppliers arising in the ordinary course of business;

            (v) the Borrower and its Subsidiaries may make loans and advances in
      the ordinary course of business to their respective employees so long as
      the aggregate principal amount thereof at any time outstanding (determined
      without regard to any write-downs or write-offs of such loans and
      advances) shall not exceed $500,000;

            (vi) the Borrower may acquire and hold obligations of one or more
      officers or other employees of the Borrower or any of its Subsidiaries in
      connection with such officers' or employees' acquisition of shares of
      common stock of the Borrower provided, however, that (a) no cash is paid
      by the Borrower

                                      -67-
<PAGE>
      or any of its Subsidiaries to such officers or employees in connection
      with the acquisition of any such obligations, and (b) the aggregate of all
      such obligations shall not exceed $3,000,000 at any one time outstanding.

            (vii) the Borrower and its Subsidiaries may enter into Interest Rate
      Protection Agreements to the extent permitted by Section 9.04(iii);

            (viii) the Borrower and its Subsidiaries may enter into Other
      Hedging Agreement to the extent permitted by Section 9.04(vii);

            (ix) Permitted Acquisitions shall be permitted in accordance with
      Section 8.15;

            (x) the Borrower and its Subsidiaries may acquire and hold
      promissory notes and other non-cash consideration issued by the purchaser
      of assets in connection with a sale of such assets to the extent permitted
      by Sections 9.02(iv) and (v);

            (xi) the Borrower and the Subsidiary Guarantors may make
      Intercompany Loans between or among one another, so long as each
      Intercompany Loan shall be evidenced by an Intercompany Note that is
      pledged to the Collateral Agent pursuant to the Pledge Agreement;

            (xii) the Borrower may make equity contributions to the capital of
      the Subsidiary Guarantors and the Subsidiary Guarantors may make equity
      contributions to the capital of their respective Subsidiaries which are
      Subsidiary Guarantors, provided that the Borrower may not contribute a
      material portion of its non-cash assets to the Subsidiary Guarantors;

            (xiii) the Borrower and the Subsidiary Guarantors may make
      Intercompany Loans and/or cash equity contributions to Wholly-Owned
      Foreign Subsidiaries of the Borrower for the purpose of enabling such
      Wholly-Owned Foreign Subsidiaries to consummate a Permitted Acquisition or
      to make Capital Expenditures so long as (x) each such Investment that is
      made as an Intercompany Loan shall be evidenced by an Intercompany Note
      that is pledged to the Collateral Agent pursuant to the Pledge Agreement,
      (y) no more than $1,000,000 of such Investments in the aggregate may be
      made in any fiscal year of the Borrower for Permitted Acquisitions and (z)
      no more than $1,000,000 of such Investments in the aggregate may be made
      in any fiscal year of the Borrower for Capital Expenditures;

            (xiv) the Borrower and its Wholly-Owned Subsidiaries may make
      additional Intercompany Loans and/or cash equity contributions to their
      respective Wholly-Owned Foreign Subsidiaries for the purpose of enabling
      such Subsidiaries to make an Investment permitted by clause (xvi) of this
      Section 9.05 so long as (x) each such Investment that is made as an
      Intercompany Loan shall be evidenced by an Intercompany Note that is
      pledged to the Collateral Agent

                                      -68-
<PAGE>
      pursuant to the Pledge Agreement and (y) no more than $1,000,000 of such
      Investments in the aggregate may be made;

            (xv) Wholly-Owned Foreign Subsidiaries of the Borrower may make
      intercompany loans (x) between or among one another and (y) to the
      Borrower or any Subsidiary Guarantor so long as each such Intercompany
      Loan made to the Borrower or a Subsidiary Guarantor shall contain (and
      shall be subject to) the subordination provisions described in Exhibit M;
      and

            (xvi) so long as no Default or Event of Default then exists or would
      result therefrom, the Borrower and its Subsidiaries may make additional
      Investments so long as the aggregate amount of all such Investments made
      pursuant to this clause (xvi) does not exceed $2,000,000 in any fiscal
      year.

      9.06. Transactions with Affiliates. The Borrower will not, and will not
permit any of its Subsidiaries to, enter into any transaction or series of
related transactions, whether or not in the ordinary course of business, with
any Affiliate of the Borrower or any of its Subsidiaries, other than in the
ordinary course of business and on terms and conditions substantially as
favorable to the Borrower or such Subsidiary as would reasonably be obtained by
the Borrower or such Subsidiary at that time in a comparable arm's-length
transaction with a Person other than an Affiliate, except that the following in
any event shall be permitted:

            (i) Dividends may be paid to the extent provided in Section 9.03;

            (ii) loans may be made and other transactions may be entered into by
      the Borrower and its Subsidiaries to the extent permitted by Sections
      9.02, 9.04 and 9.05;

            (iii) customary fees may be paid to non-officer directors of the
      Borrower and its Subsidiaries;

            (iv) the Borrower and its Subsidiaries may enter into, and may make
      payments under, employment agreements, employee benefits plans, stock
      option plans, indemnification provisions and other similar compensatory
      arrangements with officers, employees and directors of the Borrower and
      its Subsidiaries in the ordinary course of business;

            (v) transactions exclusively between or among the Borrower and any
      of its Wholly-Owned Subsidiaries or exclusively between or among such
      Wholly-Owned Subsidiaries, provided that such transactions are not
      otherwise prohibited by the Credit Documents;

            (vi) any agreement as in effect as of the Initial Borrowing Date or
      any amendment thereto or any transaction contemplated thereby (including
      pursuant to any amendment thereto) in any replacement agreement thereto so
      long as any such amendment or replacement agreement is not more
      disadvantageous to the

                                      -69-
<PAGE>
      Lenders in any material respect than the original agreement as in effect
      on the Initial Borrowing Date; and

            (vii) transactions with Annapurna Corporation aggregating not more
      than $500,000 in any fiscal year of the Borrower.

      9.07. Consolidated Fixed Charge Coverage Ratio. The Borrower will not
permit the Consolidated Fixed Charge Coverage Ratio for any Test Period to be
less than 1.15:1.

      9.08. Maximum Total Leverage Ratio. The Borrower will not permit the
Consolidated Total Leverage Ratio at any time during a period set forth below to
be greater than the ratio set forth opposite such period below:

<TABLE>
<CAPTION>
PERIOD                                                                   RATIO
------                                                                   -----
<S>                                                                    <C>
Initial Borrowing Date through and including September 29, 2002        3.00:1.00

September 30, 2002 through and including March 30, 2003                2.75:1.00

March 31, 2003 and thereafter                                          2.50:1.00
</TABLE>

      9.09. Maximum Senior Leverage Ratio. The Borrower will not permit the
Consolidated Senior Leverage Ratio at any time during a period set forth below
to be greater than the ratio set forth opposite such period below:

<TABLE>
<CAPTION>
PERIOD                                                                   RATIO
------                                                                   -----
<S>                                                                    <C>
Initial Borrowing Date through and including September 29, 2002        2.00:1.00

September 30, 2002 through and including March 30, 2003                1.75:1.00

March 31, 2003 and thereafter                                          1.50:1.00
</TABLE>

      9.10. Minimum Consolidated EBITDA. The Borrower will not permit
Consolidated EBITDA for any Test Period to be less than $80,000,000 (the
"Minimum EBITDA"), it being, understood, however, that from and after the
consummation of any Permitted Acquisition, the Minimum EBITDA in effect
immediately prior to such Permitted Acquisition shall be increased by an amount
equal to 80% of the Acquired EBITDA (to the extent it is a positive) of the
respective Acquired Entity or Business acquired in each such Permitted
Acquisition for the most recently ended 12 month period for which financial
statements are available for such Acquired Entity or Business (as certified in
the respective officer's certificate delivered pursuant to clause (x) of Section
8.15(a)).

      9.11. Consolidated Net Worth. The Borrower will not permit the
Consolidated Net Worth as of the end of any fiscal quarter of the Borrower to be
less than the sum of (a) $85,000,000, (b) an amount equal to 50% of the
Consolidated Net Income (with no deduction for any net loss in any such fiscal
quarter) earned in each fiscal quarter ending after June 30, 2002

                                      -70-
<PAGE>
and (c) an amount equal to 100% of the aggregate increases in shareholders'
equity of the Borrower and its Subsidiaries after the Effective Date by reason
of the issuance and sale of capital stock of the Borrower for cash consideration
(including upon any conversion of debt securities of the Borrower into such
capital stock).

      9.12. Limitation on Voluntary Payments and Modifications of Certain
Indebtedness; Modifications of Certificate of Incorporation, By-Laws and Certain
Other Agreements, etc.

      (a) The Borrower will not, and will not permit any of its Subsidiaries to:

            (i) make (or give any notice in respect of) any Restricted Payment
      with respect to any Subordinated Debt if (x) immediately before or after
      giving effect thereto a Default or Event of Default shall exist or (y)
      such Restricted Payment would be in contravention of the limitations
      specified in Section 9.17;

            (ii) amend or modify, or permit the amendment or modification of,
      any provision of any Senior Subordinated Note Document or other agreement
      relating to Subordinated Debt;

            (iii) amend, modify or change its certificate or articles of
      incorporation (including, without limitation, by the filing or
      modification of any certificate or articles of designation) or by-laws (or
      the equivalent organizational documents) or any agreement entered into by
      it with respect to its capital stock (including any Shareholders'
      Agreement), or enter into any new agreement with respect to its capital
      stock, unless such amendment, modification, change or other action
      contemplated by this clause (iii) could not reasonably be expected to be
      adverse to the interests of the Lenders in any material respect;

            (iv) make (or give any notice in respect of) any voluntary, optional
      or mandatory payment or prepayment on or redemption or acquisition for
      value of, or any prepayment or redemption as a result of any asset sale,
      change of control or similar event of (including, in each case, without
      limitation, by way of depositing with any Person money or securities
      before due for the purposes of paying when due), the TGMVC Seller
      Subordinated Notes, or make any other payment in respect thereof (whether
      for principal, interest or other amounts); provided, however, so long as
      no Default or Event of Default then exists or would result therefrom, the
      obligor on the TGMVC Seller Subordinated Note may make regularly scheduled
      interest payments thereon and may repay such note at maturity; or

            (v) amend or modify, or permit the amendment or modification of, any
      provision of the TGMVC Seller Subordinated Notes.

      (b) Neither the Borrower nor any of its Subsidiaries shall designate any
Indebtedness, other than the Obligations, as "Designated Senior Debt" for
purposes of the Senior Subordinated Notes.

                                      -71-
<PAGE>
      9.13. Limitation on Certain Restrictions on Subsidiaries. The Borrower
will not, and will not permit any of its Subsidiaries to, directly or
indirectly, create or otherwise cause or suffer to exist or become effective any
encumbrance or restriction on the ability of any such Subsidiary to (a) pay
dividends or make any other distributions on its capital stock or any other
interest or participation in its profits owned by the Borrower or any Subsidiary
of the Borrower, or pay any Indebtedness owed to the Borrower or any Subsidiary
of the Borrower, (b) make loans or advances to the Borrower or any Subsidiary of
the Borrower or (c) transfer any of its properties or assets to the Borrower or
any Subsidiary of the Borrower, except for such encumbrances or restrictions
existing under or by reason of (i) applicable law, (ii) this Agreement and the
other Credit Documents, (iii) the Senior Subordinated Note Documents, (iv)
customary provisions restricting subletting or assignment of any lease governing
a leasehold interest of the Borrower or any Subsidiary of the Borrower, (v)
customary provisions restricting assignment of any licensing agreement (in which
the Borrower or such Subsidiary is the licensee) or other contract entered into
by the Borrower or any Subsidiary of the Borrower in the ordinary course of
business, (vi) any instrument governing Indebtedness described in Section
9.04(ix), which restriction is not applicable to any Person, or the property or
assets of any Person, other than the Person or the properties or assets acquired
pursuant to any such Permitted Acquisition, (vii) agreements existing on the
Initial Borrowing Date to the extent and in the manner such agreements are in
effect on the Initial Borrowing Date, (viii) any agreement for the sale or
disposition of capital stock or assets of any Subsidiary, provided that such
encumbrances and restrictions are only applicable to such Subsidiary or assets,
as applicable, and any such sale or disposition is made in compliance with
Section 9.02, and (ix) restrictions on the transfer of any asset subject to a
Lien permitted by Section 9.01(v), (vi) or (vii).

      9.14. Limitation on Issuance of Capital Stock.

      (a) The Borrower will not, and will not permit any of its Subsidiaries to,
issue (i) any preferred stock other than Qualified Preferred Stock of the
Borrower or (ii) any redeemable common stock other than common stock that is
redeemable at the sole option of the Borrower or such Subsidiary, as the case
may be.

      (b) The Borrower will not permit any of its Subsidiaries to issue any
capital stock (including by way of sales of treasury stock) or any options or
warrants to purchase, or securities convertible into, capital stock, except (i)
for transfers and replacements of then outstanding shares of capital stock, (ii)
for stock splits, stock dividends and issuances which do not decrease the
percentage ownership of the Borrower or any of its Subsidiaries in any class of
the capital stock of such Subsidiary, (iii) to qualify directors to the extent
required by applicable law, (iv) for issuances to the Borrower or a Wholly-Owned
Subsidiary thereof or (v) for issuances by newly created or acquired
Subsidiaries in accordance with the terms of this Agreement.

      9.15. Business. The Borrower will not, and will not permit any of its
Subsidiaries to, engage in any business other than the business engaged in by
the Borrower and its Subsidiaries as of the Initial Borrowing Date and
reasonable extensions thereof and other businesses that are complimentary or
reasonably related thereto. Notwithstanding anything to the contrary contained
in this Agreement, the Borrower will not permit any Inactive Subsidiary to
engage in any business activities, to have any material liabilities or to own
assets with an aggregate value in excess of $250,000.

                                      -72-
<PAGE>
      9.16. Limitation on Creation of Subsidiaries. The Borrower will not, and
will not permit any of its Subsidiaries to, establish, create or acquire after
the Initial Borrowing Date any Subsidiary, provided that the Borrower and its
Wholly-Owned Subsidiaries shall be permitted to establish, create or, to the
extent permitted by this Agreement, acquire Wholly-Owned Subsidiaries and, to
the extent permitted by Section 9.05(xvi) and the definition of "Permitted
Acquisition", non-Wholly-Owned Subsidiaries, so long as

            (i) the equity interests of each such new Subsidiary (to the extent
      owned by a Credit Party) is pledged pursuant to, and to the extent
      required by, the Pledge Agreement,

            (ii) each such new Domestic Subsidiary (and, to the extent required
      by Section 8.13, each such new Foreign Subsidiary) executes a counterpart
      of the Subsidiaries Guaranty, the Pledge Agreement and the Security
      Agreement, and

            (iii) each such new Domestic Subsidiary (and, to the extent required
      by Section 8.13, each such new Foreign Subsidiary), to the extent
      requested by the Administrative Agent or the Required Lenders, takes all
      actions required pursuant to Section 8.11.

In addition, each such new Domestic Subsidiary (and, to the extent required by
Section 8.13, each such new Foreign Subsidiary) shall execute and deliver, or
cause to be executed and delivered, all other relevant documentation of the type
described in Section 5 as such new Subsidiary would have had to deliver if such
new Subsidiary were a Credit Party on the Initial Borrowing Date.

      9.17. Restricted Payments. The Borrower will not permit Restricted
Payments in respect of any period set forth below to exceed the lesser of (i)
50% of Excess Cash Flow applicable to such period, and (ii) 15% of the
Borrower's Consolidated Net Worth as at the beginning of such period, as
follows:

      PERIOD

      fiscal quarter ending March 31, 2002

      two fiscal quarters ending June 30, 2002

      three fiscal quarters ending September 30, 2002

      any Test Period ending on December 31, 2002 or thereafter

                                   SECTION 10

                               EVENTS OF DEFAULT.

      Upon the occurrence of any of the following specified events (each an
"Event of Default"):

                                      -73-
<PAGE>
      10.01. Payments. The Borrower shall (i) default in the payment when due of
any principal of any Loan or any Note or (ii) default, and such default shall
continue unremedied for three or more Business Days, in the payment when due of
any interest on any Loan or Note, any Unpaid Drawing or any Fees or any other
amounts owing hereunder or thereunder; or

      10.02. Representations, etc. Any representation, warranty or statement
made or deemed made by any Credit Party herein or in any other Credit Document
or in any certificate delivered to the Administrative Agent or any Lender
pursuant hereto or thereto shall prove to be untrue in any material respect on
the date as of which made or deemed made; or

      10.03. Covenants. The Borrower or any of its Subsidiaries shall (i)
default in the due performance or observance by it of any term, covenant or
agreement contained in Section 8.01(g)(i), 8.08, 8.12, 8.14, 8.15 or Section 9
or (ii) default in the due performance or observance by it of any other term,
covenant or agreement contained in this Agreement or any other Credit Document
(other than those set forth in Sections 10.01 and 10.02) and such default shall
continue unremedied for a period of 30 days after written notice thereof to the
defaulting party by the Administrative Agent or the Required Lenders; or

      10.04. Default Under Other Agreements. (i) The Borrower or any of its
Subsidiaries shall (x) default in any payment of any Indebtedness (other than
the Obligations) beyond the period of grace, if any, provided in the instrument
or agreement under which such Indebtedness was created or (y) default in the
observance or performance of any agreement or condition relating to any
Indebtedness (other than the Obligations) or contained in any instrument or
agreement evidencing, securing or relating thereto, or any other event shall
occur or condition exist, the effect of which default or other event or
condition is to cause, or to permit the holder or holders of such Indebtedness
(or a trustee or agent on behalf of such holder or holders) to cause (determined
without regard to whether any notice is required), any such Indebtedness to
become due prior to its stated maturity, or (ii) any Indebtedness (other than
the Obligations) of the Borrower or any of its Subsidiaries shall be declared to
be (or shall become) due and payable, or required to be prepaid other than by a
regularly scheduled required prepayment, prior to the stated maturity thereof,
provided that it shall not be a Default or an Event of Default under this
Section 10.04 unless the aggregate principal amount of all Indebtedness as
described in preceding clauses (i) and (ii) is at least $5,000,000; or

      10.05. Bankruptcy, etc. The Borrower or any of its Subsidiaries shall
commence a voluntary case concerning itself under Title 11 of the United States
Code entitled "Bankruptcy," as now or hereafter in effect, or any successor
thereto (the "Bankruptcy Code"); or an involuntary case is commenced against the
Borrower or any of its Subsidiaries, and the petition is not controverted within
10 days, or is not dismissed within 60 days, after commencement of the case; or
a custodian (as defined in the Bankruptcy Code) is appointed for, or takes
charge of, all or substantially all of the property of the Borrower or any of
its Subsidiaries, or the Borrower or any of its Subsidiaries commences any other
proceeding under any reorganization, arrangement, adjustment of debt, relief of
debtors, dissolution, insolvency or liquidation or similar law of any
jurisdiction whether now or hereafter in effect relating to the Borrower or any
of its Subsidiaries, or there is commenced against the Borrower or any of its
Subsidiaries any such proceeding which remains undismissed for a period of 60
days, or the Borrower or any of its Subsidiaries is adjudicated insolvent or
bankrupt; or any order of relief or other order

                                      -74-
<PAGE>
approving any such case or proceeding is entered; or the Borrower or any of its
Subsidiaries suffers any appointment of any custodian or the like for it or any
substantial part of its property to continue undischarged or unstayed for a
period of 60 days; or the Borrower or any of its Subsidiaries makes a general
assignment for the benefit of creditors; or any corporate action is taken by the
Borrower or any of its Subsidiaries for the purpose of effecting any of the
foregoing; or

      10.06. ERISA. (a) Any Plan shall fail to satisfy the minimum funding
standard required for any plan year or part thereof under Section 412 of the
Code or Section 302 of ERISA or a waiver of such standard or extension of any
amortization period is sought or granted under Section 412 of the Code or
Section 303 or 304 of ERISA, a Reportable Event shall have occurred, a
contributing sponsor (as defined in Section 4001(a)(13) of ERISA) of a Plan
subject to Title IV of ERISA shall be subject to the advance reporting
requirement of PBGC Regulation Section 4043.61 (without regard to subparagraph
(b)(1) thereof) and an event described in subsection .62, .63, .64, .65, .66,
..67 or .68 of PBGC Regulation Section 4043 shall be reasonably expected to occur
with respect to such Plan within the following 30 days, any Plan which is
subject to Title IV of ERISA shall have had or is likely to have a trustee
appointed to administer such Plan, any Plan which is subject to Title IV of
ERISA is, shall have been or is likely to be terminated or to be the subject of
termination proceedings under ERISA, any Plan shall have an Unfunded Current
Liability, a contribution required to be made with respect to a Plan or a
Foreign Pension Plan has not been timely made, the Borrower or any Subsidiary of
the Borrower or any ERISA Affiliate has incurred or is likely to incur any
liability to or on account of a Plan under Section 409, 502(i), 502(l), 515,
4062, 4063, 4064, 4069, 4201, 4204 or 4212 of ERISA or Section 401(a)(29), 4971
or 4975 of the Code or on account of a group health plan (as defined in Section
607(1) of ERISA or Section 4980B(g)(2) of the Code) under Section 4980B of the
Code, or the Borrower or any Subsidiary of the Borrower has incurred or is
likely to incur liabilities pursuant to one or more employee welfare benefit
plans (as defined in Section 3(1) of ERISA) that provide benefits to retired
employees or other former employees (other than as required by Section 601 of
ERISA) or Plans or Foreign Pension Plans, a "default" within the meaning of
Section 4219(c)(5) of ERISA shall occur with respect to any Plan, any applicable
law, rule or regulation is adopted, changed or interpreted, or the
interpretation or administration thereof is changed, in each case after the date
hereof, by any governmental authority or agency or by any court (a "Change of
Law"), or, as a result of a Change in Law, an event occurs following a Change in
Law, with respect to or otherwise affecting any Plan; (b) there shall result
from any such event or events the imposition of a lien, the granting of a
security interest, or a liability or a material risk of incurring a liability;
and (c) such lien, security interest or liability, individually and/or in the
aggregate, in the reasonable opinion of the Required Lenders, has had, or could
reasonably be expected to have, a Material Adverse Effect; or

      10.07. Security Documents. At any time after the execution and delivery
thereof, any of the Security Documents shall cease to be in full force and
effect, or shall cease to give the Collateral Agent for the benefit of the
Secured Creditors the Liens, rights, powers and privileges purported to be
created thereby (including, without limitation, a perfected security interest
in, and Lien on, all of the Collateral (other than an immaterial portion
thereof), in favor of the Collateral Agent, superior to and prior to the rights
of all third Persons (except as permitted by Section 9.01), and subject to no
other Liens (except as permitted by Section 9.01); or

                                      -75-
<PAGE>
      10.08. Subsidiaries Guaranty. At any time after the execution and delivery
thereof, the Subsidiaries Guaranty or any provision thereof shall cease to be in
full force or effect as to any Subsidiary Guarantor, or any Subsidiary Guarantor
or any Person acting by or on behalf of such Subsidiary Guarantor shall deny or
disaffirm such Subsidiary Guarantor's obligations under the Subsidiaries
Guaranty or any Subsidiary Guarantor shall default in the due performance or
observance of any term, covenant or agreement on its part to be performed or
observed pursuant to the Subsidiaries Guaranty; or

      10.09. Judgments. One or more judgments or decrees shall be entered
against the Borrower or any Subsidiary of the Borrower involving in the
aggregate for the Borrower and its Subsidiaries a liability (not paid or fully
covered by a reputable and solvent insurance company) and such judgments and
decrees either shall be final and non-appealable or shall not be vacated,
discharged or stayed or bonded pending appeal for any period of 30 consecutive
days, and the aggregate amount of all such judgments equals or exceeds
$5,000,000; or

      10.10. Change of Control. A Change of Control shall occur;

then, and in any such event, and at any time thereafter, if any Event of Default
shall then be continuing, the Administrative Agent, upon the written request of
the Required Lenders, shall by written notice to the Borrower, take any or all
of the following actions, without prejudice to the rights of the Administrative
Agent, any Lender or the holder of any Note to enforce its claims against any
Credit Party (provided that, if an Event of Default specified in Section 10.05
shall occur with respect to the Borrower, the result which would occur upon the
giving of written notice by the Administrative Agent as specified in clauses (i)
and (ii) below shall occur automatically without the giving of any such notice):

            (i) declare the Total Commitment terminated, whereupon all
      Commitments of each Lender shall forthwith terminate immediately and any
      Commitment Fee shall forthwith become due and payable without any other
      notice of any kind;

            (ii) declare the principal of and any accrued interest in respect of
      all Loans and the Notes and all Obligations owing hereunder and thereunder
      to be, whereupon the same shall become, forthwith due and payable without
      presentment, demand, protest or other notice of any kind, all of which are
      hereby waived by each Credit Party;

            (iii) terminate any Letter of Credit which may be terminated in
      accordance with its terms;

            (iv) direct the Borrower to pay (and the Borrower agrees that upon
      receipt of such notice, or upon the occurrence of an Event of Default
      specified in Section 10.05 with respect to the Borrower, it will pay) to
      the Collateral Agent at the Payment Office such additional amount of cash
      or Cash Equivalents, to be held as security by the Collateral Agent, as is
      equal to the aggregate Stated Amount of all Letters of Credit issued for
      the account of the Borrower and then outstanding;

            (v) enforce, as Collateral Agent, all of the Liens and security
      interests created pursuant to the Security Documents; and

                                      -76-
<PAGE>
            (vi) apply any cash collateral held by the Administrative Agent
      pursuant to Section 4.02 to the repayment of the Obligations.

                                   SECTION 11

                        DEFINITIONS AND ACCOUNTING TERMS.

      11.01. Defined Terms. As used in this Agreement, the following terms shall
have the following meanings (such meanings to be equally applicable to both the
singular and plural forms of the terms defined):

            "Acquired EBITDA" of any Acquired Entity or Business acquired
      pursuant to a Permitted Acquisition shall mean the consolidated "EBITDA"
      of such Acquired Entity or Business calculated on a basis consistent with
      the calculation of Consolidated EBITDA under this Agreement and reasonably
      approved by the Administrative Agent.

            "Acquired Entity or Business" shall have the meaning provided in the
      definition of "Permitted Acquisition."

            "Additional Security Documents" shall have the meaning provided in
      Section 8.11.

            "Administrative Agent" shall mean Bank of America, in its capacity
      as Administrative Agent for the Lenders hereunder, and shall include any
      successor to the Administrative Agent appointed pursuant to Section 12.09.

            "Affiliate" shall mean, with respect to any Person, any other Person
      directly or indirectly controlling (including, but not limited to, all
      directors and officers of such Person), controlled by, or under direct or
      indirect common control with, such Person. A Person shall be deemed to
      control another Person if such Person possesses, directly or indirectly,
      the power (i) to vote 10% or more of the securities having ordinary voting
      power for the election of directors of such corporation or (ii) to direct
      or cause the direction of the management and policies of such other
      Person, whether through the ownership of voting securities, by contract or
      otherwise; provided that neither the Administrative Agent nor any Lender
      (nor any affiliate thereof) shall be considered an Affiliate of the
      Borrower or any Subsidiary thereof.

            "Agreement" shall mean this Credit Agreement, as modified,
      supplemented, amended, restated (including any amendment and restatement
      hereof), extended, renewed, refinanced or replaced from time to time.

            "Applicable Margin" shall mean with respect to Tranche A Term Loans,
      Tranche B Term Loans, Revolving Loans Swingline Loans and Commitment Fees,
      from and after any Start Date to and including the corresponding End Date,

                                      -77-
<PAGE>
      the respective percentage per annum set forth below under the respective
      Type of Tranche A Term Loans, Tranche B Term Loans, Revolving Loans,
      Swingline Loans or Commitment Fees and opposite the respective Level
      (i.e., Level 1, Level 2, Level 3 or 4, as the case may be) indicated to
      have been achieved on the applicable Test Date for such Start Date (as
      shown on the respective officer's certificate delivered pursuant to
      Section 8.01(f) or the first proviso below):

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------
                              APPLICABLE MARGIN          APPLICABLE MARGINS
                             FOR EURODOLLAR LOANS        FOR BASE RATE LOANS
                           ------------------------   ------------------------
                                                      TRANCHE A
                                                        TERM
                            TRANCHE A                   LOANS,
        CONSOLIDATED       TERM LOANS                 REVOLVING
           TOTAL               AND                    LOANS, AND
          LEVERAGE          REVOLVING    TRANCHE B    SWINGLINE      TRANCHE B    COMMITMENT
LEVEL      RATIO              LOANS      TERM LOANS     LOANS       TERM LOANS       FEES
--------------------------------------------------------------------------------------------
<S>    <C>                 <C>           <C>          <C>           <C>           <C>
  1    TLR >= 2.50:1          2.750%       3.000%       1.750%        2.000%        0.500%
       but < 3.00:1

  2    TLR >= 2.00:1          2.500%       3.000%       1.500%        2.000%        0.450%
       but < 2.50:1

  3    TLR >= 1.50:1          2.250%       3.000%       1.250%        2.000%        0.400%
       but < 2.00:1

  4    TLR < 1.50:1           2.000%       3.000%       1.000%        2.000%        0.350%
--------------------------------------------------------------------------------------------
</TABLE>

      provided, however, that if the Borrower fails to deliver the financial
      statements required to be delivered pursuant to Section 8.01(b) or (c)
      (accompanied by the officer's certificate required to be delivered
      pursuant to Section 8.01(f) showing the applicable Consolidated Total
      Leverage Ratio on the relevant Test Date) on or prior to the respective
      date required by such Sections, then Level 1 pricing shall apply until
      such time, if any, as the financial statements required as set forth above
      and the accompanying officer's certificate have been delivered showing the
      pricing for the respective Margin Reduction Period is at a level which is
      less than Level 1 (it being understood that, in the case of any late
      delivery of the financial statements and officer's certificate as so
      required, the Applicable Margin, if any, shall apply only from and after
      the date of the delivery of the complying financial statements and
      officer's certificate); provided further, that subject to Section 1.08(c),
      Level 1 pricing shall apply at any time when any Default or Event of
      Default is in existence. Notwithstanding anything to the contrary
      contained in the immediately preceding sentence, Level 2 pricing shall
      apply for the period from the Initial Borrowing Date to but not including
      the date which is the first Start Date after the Borrower's fiscal quarter
      ending on March 31, 2002. The Applicable Margin in respect of Commitment
      Fees is sometimes called the Commitment Fee Rate.

                                      -78-
<PAGE>
            "Asset Sale" shall mean any sale, transfer or other disposition by
      the Borrower or any of its Subsidiaries to any Person (including by way of
      redemption by such Person) other than to the Borrower or a Wholly-Owned
      Subsidiary of the Borrower of any asset (including, without limitation,
      any capital stock or other securities of, or equity interests in, another
      Person) other than sales of assets pursuant to Sections 9.02(ii), (iii),
      (viii) and (ix).

            "Assignment and Assumption Agreement" shall mean an Assignment and
      Assumption Agreement substantially in the form of Exhibit K (appropriately
      completed).

            "Bank of America" shall mean Bank of America, N.A., in its
      individual capacity, and any successor corporation thereto by merger,
      consolidation or otherwise.

            "B Lenders" shall have the meaning provided in Section 4.02(j).

            "Bankruptcy Code" shall have the meaning provided in Section 10.05.

            "Base Rate" shall mean for any day a fluctuating rate per annum
      equal to the higher of (a) the Federal Funds Rate plus 1/2 of 1% and (b)
      the rate of interest in effect for such day as publicly announced from
      time to time by Bank of America as its "prime rate." Such rate is a rate
      set by Bank of America based upon various factors including Bank of
      America's costs and desired return, general economic conditions and other
      factors, and is used as a reference point for pricing some loans, which
      may be priced at, above, or below such announced rate. Any change in such
      rate announced by Bank of America shall take effect at the opening of
      business on the day specified in the public announcement of such change.

            "Base Rate Loan" shall mean (i) each Swingline Loan and (ii) each
      other Loan designated or deemed designated as such by the Borrower at the
      time of the incurrence thereof or conversion thereto.

            "Borrower" shall have the meaning provided in the first paragraph of
      this Agreement.

            "Borrowing" shall mean the borrowing of one Type of Loan of a single
      Tranche from all the Lenders having Commitments of the respective Tranche
      (or from the Swingline Lender in the case of Swingline Loans) on a given
      date (or resulting from a conversion or conversions on such date) having
      in the case of Eurodollar Loans the same Interest Period, provided that
      Base Rate Loans incurred pursuant to Section 1.10(b) shall be considered
      part of the related Borrowing of Eurodollar Loans.

                                      -79-
<PAGE>
            "Business Day" shall mean (i) for all purposes other than as covered
      by clause (ii) below, any day except Saturday, Sunday and any day which
      shall be in New York, New York or Chicago, Illinois or Charlotte, North
      Carolina a legal holiday or a day on which banking institutions are
      authorized or required by law or other government action to close and (ii)
      with respect to all notices and determinations in connection with, and
      payments of principal and interest on, Eurodollar Loans, any day which is
      a Business Day described in clause (i) above and which is also a day for
      trading by and between banks in the interbank Eurodollar market.

            "Capital Expenditures" shall mean, with respect to any Person, all
      capital expenditures by such Person, as the same are (or would in
      accordance with GAAP be) set forth in the consolidated statement of cash
      flows of the Company and its Subsidiaries, exclusive of (A) expenditures
      made in connection with the acquisition of assets in any Permitted
      Acquisition, and (B) expenditures made in connection with the replacement
      or restoration of assets to the extent financed (i) from insurance
      proceeds paid on account of the loss of or damage to the assets being
      replaced or restored, or (ii) with proceeds from the sale or other
      disposition of an asset which is replaced within 180 days from such sale
      or other disposition with another asset performing the same or a similar
      function.

            "Capitalized Lease Obligations" shall mean, with respect to any
      Person, all rental obligations of such Person which, under GAAP, are or
      will be required to be capitalized on the books of such Person, in each
      case taken at the amount thereof accounted for as indebtedness in
      accordance with such principles.

            "Cash Equivalents" shall mean, as to any Person, (i) securities
      issued or directly and fully guaranteed or insured by the United States or
      any agency or instrumentality thereof (provided that the full faith and
      credit of the United States is pledged in support thereof) having
      maturities of not more than one year from the date of acquisition, (ii)
      marketable direct obligations issued by the District of Columbia or any
      state of the United States or any political subdivision of the District of
      Columbia or any such state or any public instrumentality thereof maturing
      within one year from the date of acquisition thereof and, at the time of
      acquisition, having one of the two highest ratings obtainable from either
      Standard & Poor's Ratings Services or Moody's Investors Service, Inc.,
      (iii) Dollar denominated time deposits and certificates of deposit of any
      commercial bank having, or which is the principal banking subsidiary of a
      bank holding company having, a long-term unsecured debt rating of at least
      "A" or the equivalent thereof from Standard & Poor's Ratings Services or
      "A2" or the equivalent thereof from Moody's Investors Service, Inc. with
      maturities of not more than one year from the date of acquisition by such
      Person, (iv) repurchase obligations with a term of not more than 30 days
      for underlying securities of the types described in clause (i) above
      entered into with any bank meeting the qualifications specified in clause
      (iii) above, (v) commercial paper issued by any Person incorporated in the
      United States rated at least A-1 or the equivalent thereof by Standard &
      Poor's Ratings

                                      -80-
<PAGE>
      Services or at least P-1 or the equivalent thereof by Moody's Investors
      Service, Inc. and in each case maturing not more than one year after the
      date of acquisition by such Person, (vi) investments in money market funds
      substantially all of whose assets are comprised of securities of the types
      described in clauses (i) through (v) above, and (vii) in the case of any
      Foreign Subsidiary, (A) direct obligations of the sovereign nation (or any
      agency thereof) in which such Foreign Subsidiary is organized or is
      conducting business or in obligations fully and unconditionally guaranteed
      by such sovereign nation (or any agency thereof) having maturities of not
      more than one year from the date of acquisition or (B) obligations of the
      type and maturity described in clauses (iii), (iv) or (v) above of foreign
      obligors, which obligations or obligors (or the parents of such obligors)
      have ratings described in such clauses or equivalent ratings from
      comparable foreign rating agencies.

            "CERCLA" shall mean the Comprehensive Environmental Response,
      Compensation, and Liability Act of 1980, as the same may be amended from
      time to time, 42 U.S.C. Section 9601 et seq.

            "Change of Control" shall mean (i) any Person or "group" (within the
      meaning of Sections 13(d) and 14(d) under the Securities Exchange Act, as
      in effect on the Effective Date), other than a Permitted Holder, shall (A)
      have acquired beneficial ownership of 30% or more on a fully diluted basis
      of the voting and/or economic interest in the Borrower's capital stock or
      (B) obtained the power (whether or not exercised) to elect a majority of
      the Borrower's directors or (ii) the Board of Directors of the Borrower
      shall cease to consist of a majority of Continuing Directors or (iii) any
      "change of control" under, and as defined in, the Senior Subordinated Note
      Indenture shall occur.

            "Change of Law" shall have the meaning provided in Section 10.06.

            "Code" shall mean the Internal Revenue Code of 1986, as amended from
      time to time, and the regulations promulgated and rulings issued
      thereunder. Section references to the Code are to the Code, as in effect
      at the date of this Agreement and any subsequent provisions of the Code,
      amendatory thereof, supplemental thereto or substituted therefor.

            "Collateral" shall mean all property (whether real or personal) with
      respect to which any security interests have been granted (or purported to
      be granted) pursuant to any Security Document, including, without
      limitation, all Pledge Agreement Collateral, all Security Agreement
      Collateral, all Mortgaged Properties and all cash and Cash Equivalents
      delivered as collateral pursuant to Section 4.02 or 10.

            "Collateral Agent" shall mean the Administrative Agent acting as
      collateral agent for the Secured Creditors pursuant to the Security
      Documents.

                                      -81-
<PAGE>
            "Collective Bargaining Agreements" shall have the meaning provided
      in Section 5.05.

            "Commitment" shall mean any of the commitments of any Lender, (i.e.,
      whether the Tranche A Term Loan Commitment, the Tranche B Term Loan
      Commitment or the Revolving Loan Commitment).

            "Commitment Fee" shall have the meaning provided in Section 3.01(a).

            "Commitment Fee Rate" shall have the meaning provided in the
      definition of Applicable Margin.

            "Consolidated Capital Expenditures" shall mean, for any period, all
      Capital Expenditures of the Borrower and its Subsidiaries on a
      consolidated basis for such period.

            "Consolidated EBITDA" shall mean, for any period, an amount equal to
      the sum of (a) Consolidated Net Income (exclusive of non-operating income)
      for such period, (b) Consolidated Interest Expense for such period, (c)
      the amount of taxes, based on or measured by income, used or included in
      the determination of such Consolidated Net Income for such period, and (d)
      the amount of depreciation and amortization expense deducted in
      determining such Consolidated Net Income for such period, it being
      understood that in determining the Total Leverage Ratio under Section
      9.08, the Senior Leverage Ratio under Section 9.09, and the minimum
      Consolidated EBITDA test under Section 9.10, the Consolidated EBITDA for
      any period shall be calculated on a pro forma basis to give effect (i) to
      any Person or assets acquired during such period pursuant to a Permitted
      Acquisition (and not subsequently sold or otherwise disposed of by the
      Borrower or any of its Subsidiaries during such period) as if the Person
      or assets so acquired were owned by the Borrower for such period, (ii) the
      incurrence or repayment of Indebtedness in connection with such Permitted
      Acquisition, and (iii) the related S-X Adjustments referred to in Section
      8.15(e). For purposes of the Consolidated Fixed Charge Coverage Ratio
      under Section 9.07, Consolidated EBITDA shall not be calculated on a pro
      forma basis.

            "Consolidated Fixed Charge Coverage Ratio" (or "Fixed Charge
      Coverage Ratio") shall mean, at any date, the ratio of (a) Consolidated
      EBITDA for the Test Period then most recently ended less Consolidated
      Capital Expenditures for such Test Period to (b) Consolidated Fixed
      Charges for such Period.

            "Consolidated Fixed Charges" shall mean, for any period, the sum of
      the following (without duplication): (i) Consolidated Interest Expense
      paid or required to be paid in cash for such period; (ii) income and
      franchise taxes paid or required to be paid in cash by the Borrower and
      its Subsidiaries on a consolidated basis during such period; (iii) all
      scheduled payments of principal made or required to be made with respect
      to all Indebtedness (including the principal

                                      -82-
<PAGE>
      portion of Capitalized Leases Obligations) of the Company and its
      Subsidiaries on a consolidated basis during such period; and (iv) all
      Restricted Payments made or required to be made by the Borrower and its
      Subsidiaries on a consolidated basis during such period.

            "Consolidated Indebtedness" shall mean, at any time, the principal
      amount of all Indebtedness of the Borrower and its Subsidiaries at such
      time; provided that for purposes of this definition, the amount of
      Indebtedness in respect of Interest Rate Protection Agreements and Other
      Hedging Agreements shall be at any time the unrealized net loss position,
      if any, of the Borrower and/or its Subsidiaries thereunder on a
      marked-to-market basis determined no more than one month prior to such
      time.

            "Consolidated Interest Expense" shall mean, for any period, the
      total consolidated interest expense of the Borrower and its Subsidiaries
      for such period (calculated without regard to any limitations on the
      payment thereof) plus, without duplication, that portion of Capitalized
      Lease Obligations of the Borrower and its Subsidiaries representing the
      interest factor for such period; provided that the amortization of
      deferred financing, legal and accounting costs with respect to this
      Agreement shall be excluded from Consolidated Interest Expense to the
      extent same would otherwise have been included therein.

            "Consolidated Net Income" shall mean, for any period, for the
      Borrower and its Subsidiary Guarantors on a consolidated basis, the net
      income of the Borrower and its Subsidiary Guarantors from continuing
      operations (such net income to be exclusive of (a) non-cash charges
      comprising (i) impairment of assets, (ii) cumulative effects of changes in
      accounting principles (all of which are to be in accordance with GAAP),
      (iii) any non-cash stock compensation; and (b) extraordinary gains).

            "Consolidated Net Worth" shall mean, at any time, for the Borrower
      and its Subsidiaries, on a consolidated basis, shareholders' equity at
      such time.

            "Consolidated Senior Leverage Ratio" (and sometimes also referred to
      as the "Senior Leverage Ratio" or "SLR") shall mean, at any time, the
      ratio of Consolidated Indebtedness (excluding Subordinated Debt) at such
      time to Consolidated EBITDA for the Test Period then most recently ended.

            "Consolidated Total Leverage Ratio" (and sometimes also referred to
      as the "Total Leverage Ratio" or "TLR") shall mean, at any time, the ratio
      of Consolidated Indebtedness at such time to Consolidated EBITDA for the
      Test Period then most recently ended.

            "Contingent Obligation" shall mean, as to any Person, any obligation
      of such Person as a result of such Person being a general partner of the
      other Person, unless the underlying obligation is expressly made
      non-recourse as to such

                                      -83-
<PAGE>
      general partner, and any obligation of such Person guaranteeing or
      intended to guarantee any Indebtedness, leases, dividends or other
      obligations ("primary obligations") of any other Person (the "primary
      obligor") in any manner, whether directly or indirectly, including,
      without limitation, any obligation of such Person, whether or not
      contingent, (i) to purchase any such primary obligation or any property
      constituting direct or indirect security therefor, (ii) to advance or
      supply funds (x) for the purchase or payment of any such primary
      obligation or (y) to maintain working capital or equity capital of the
      primary obligor or otherwise to maintain the net worth or solvency of the
      primary obligor, (iii) to purchase property, securities or services
      primarily for the purpose of assuring the owner of any such primary
      obligation of the ability of the primary obligor to make payment of such
      primary obligation or (iv) otherwise to assure or hold harmless the holder
      of such primary obligation against loss in respect thereof; provided,
      however, that the term Contingent Obligation shall not include
      endorsements of instruments for deposit or collection in the ordinary
      course of business. The amount of any Contingent Obligation shall be
      deemed to be an amount equal to the stated or determinable amount of the
      primary obligation in respect of which such Contingent Obligation is made
      or, if not stated or determinable, the maximum reasonably anticipated
      liability in respect thereof (assuming such Person is required to perform
      thereunder) as determined by such Person in good faith.

            "Continuing Directors" shall mean the directors of the Borrower on
      the Initial Borrowing Date and each other director if such director's
      nomination for election to the Board of Directors of the Borrower is
      recommended by a majority of the then Continuing Directors.

            "Control Agreement" shall mean a "Control Agreement" as defined in
      the Security Agreement.

            "Credit Documents" shall mean this Agreement, the Disclosure Letter
      and, after the execution and delivery thereof pursuant to the terms of
      this Agreement, each Note, the Subsidiaries Guaranty and each Security
      Document.

            "Credit Event" shall mean the making of any Loan or the issuance of
      any Letter of Credit.

            "Credit Party" shall mean the Borrower and each Subsidiary
      Guarantor.

            "Default" shall mean any event, act or condition which with notice
      or lapse of time, or both, would constitute an Event of Default.

            "Defaulting Lender" shall mean any Lender with respect to which a
      Lender Default is in effect.

                                      -84-
<PAGE>
            "Deutsche Credit Agreement" shall mean the Credit Agreement dated as
      of July 23, 1999, as amended, among the Borrower, various lenders and
      Bankers Trust Company, as administrative agent.

            "Deutsche Releases" shall have the meaning provided in Section
      5.06(a).

            "Disclosure Letter" shall mean the Disclosure Letter of even date
      herewith delivered by the Borrower to the Administrative Agent and the
      Lenders, a copy of which is attached as Schedule III.

            "Dividend" shall mean, with respect to any Person, that such Person
      has declared or paid a dividend or returned any equity capital to its
      stockholders, partners or members or authorized or made any other
      distribution, payment or delivery of property (other than common stock of
      such Person) or cash to its stockholders, partners or members as such, or
      redeemed, retired, purchased or otherwise acquired, directly or
      indirectly, for a consideration any shares of any class of its capital
      stock or any partnership or membership interests outstanding on or after
      the Effective Date (or any options or warrants issued by such Person with
      respect to its capital stock or other equity interests), or set aside any
      funds for any of the foregoing purposes, or shall have permitted any of
      its Subsidiaries to purchase or otherwise acquire for a consideration any
      shares of any class of the capital stock or any partnership or membership
      interests of such Person outstanding on or after the Effective Date (or
      any options or warrants issued by such Person with respect to its capital
      stock or other equity interests). Without limiting the foregoing,
      "Dividends" with respect to any Person shall also include all payments
      made or required to be made by such Person with respect to any stock
      appreciation rights, plans, equity incentive or achievement plans or any
      similar plans or setting aside of any funds for the foregoing purposes.

            "Dollars" and the sign "$" shall each mean freely transferable
      lawful money of the United States.

            "Domestic Subsidiary" shall mean each Subsidiary of the Borrower
      that is incorporated under the laws of the United States or any State
      thereof.

            "Drawing" shall have the meaning provided in Section 2.05(b).

            "Effective Date" shall have the meaning provided in Section 13.10.

            "Eligible Transferee" shall mean and include a commercial bank, an
      insurance company, a finance company, a financial institution, any fund
      that invests in loans or any other "accredited investor" (as defined in
      Regulation D of the Securities Act), but in any event excluding the
      Borrower and its Subsidiaries.

            "Employee Benefit Plans" shall have the meaning provided in Section
      5.05.

                                      -85-
<PAGE>
            "Employment Agreements" shall have the meaning provided in Section
      5.05.

            "End Date" shall mean, for any Margin Reduction Period, the last day
      of such Margin Reduction Period.

            "Environmental Claims" shall mean any and all administrative,
      regulatory or judicial actions, suits, demands, demand letters,
      directives, claims, liens, notices of noncompliance or violation,
      investigations or proceedings relating in any way to any Environmental Law
      or any permit issued, or any approval given, under any such Environmental
      Law (hereafter, "Claims"), including, without limitation, (a) any and all
      Claims by governmental or regulatory authorities for enforcement, cleanup,
      removal, response, remedial or other actions or damages pursuant to any
      applicable Environmental Law, and (b) any and all Claims by any third
      party seeking damages, contribution, indemnification, cost recovery,
      compensation or injunctive relief in connection with alleged injury or
      threat of injury to health, safety or the environment due to the presence
      of Hazardous Materials.

            "Environmental Law" shall mean any Federal, state, foreign or local
      statute, law, rule, regulation, ordinance, code, guideline, written policy
      and rule of common law now or hereafter in effect and in each case as
      amended, and any judicial or administrative interpretation thereof,
      including any judicial or administrative order, consent decree or
      judgment, relating to the environment, employee health and safety or
      Hazardous Materials, including, without limitation, CERCLA; RCRA; the
      Federal Water Pollution Control Act, 33 U.S.C. Section 1251 et seq.; the
      Toxic Substances Control Act, 15 U.S.C. Section 2601 et seq.; the Clean
      Air Act, 42 U.S.C. Section 7401 et seq.; the Safe Drinking Water Act, 42
      U.S.C. Section 3803 et seq.; the Oil Pollution Act of 1990, 33 U.S.C.
      Section 2701 et seq.; the Emergency Planning and the Community
      Right-to-Know Act of 1986, 42 U.S.C. Section 11001 et seq.; the Hazardous
      Material Transportation Act, 49 U.S.C. Section 1801 et seq. and the
      Occupational Safety and Health Act, 29 U.S.C. Section 651 et seq.; and any
      state and local or foreign counterparts or equivalents, in each case as
      amended from time to time.

            "ERISA" shall mean the Employee Retirement Income Security Act of
      1974, as amended from time to time, and the regulations promulgated and
      rulings issued thereunder. Section references to ERISA are to ERISA, as in
      effect at the date of this Agreement and any subsequent provisions of
      ERISA, amendatory thereof, supplemental thereto or substituted therefor.

            "ERISA Affiliate" shall mean each person (as defined in Section 3(9)
      of ERISA) which together with the Borrower or a Subsidiary of the Borrower
      would be deemed to be a "single employer" (i) within the meaning of
      Section 414(b), (c),

                                      -86-
<PAGE>
      (m) or (o) of the Code or (ii) as a result of the Borrower or a Subsidiary
      of the Borrower being or having been a general partner of such person.

            "Eurodollar Loan" shall mean each Loan (other than any Swingline
      Loan) designated as such by the Borrower at the time of the incurrence
      thereof or conversion thereto.

            "Eurodollar Rate" shall mean for any Interest Period with respect to
      any Eurodollar Loan, a rate per annum determined by Administrative Agent
      pursuant to the following formula:

            Eurodollar Rate =           Eurodollar Rate
                              ------------------------------------
                              1.00 - Eurodollar Reserve Percentage

      Where,

      "Eurodollar Rate" shall mean, for such Interest Period:

            (a) the rate per annum equal to the rate determined by
      Administrative Agent to be the offered rate that appears on the page of
      the Telerate screen that displays an average British Bankers Association
      Interest Settlement Rate for deposits in U.S. Dollars (for delivery on the
      first day of such Interest Period) with a term equivalent to such Interest
      Period, determined as of approximately 11:00 a.m. (London time) two
      Business Days prior to the first day of such Interest Period, or

            (b) in the event the rate referenced in the preceding subsection (a)
      does not appear on such page or service or such page or service shall
      cease to be available, the rate per annum equal to the rate determined by
      Administrative Agent to be the offered rate on such other page or other
      service that displays an average British Bankers Association Interest
      Settlement Rate for deposits in Dollars (for delivery on the first day of
      such Interest Period) with a term equivalent to such Interest Period,
      determined as of approximately 11:00 a.m. (London time) two Business Days
      prior to the first day of such Interest Period, or

            (c) in the event the rates referenced in the preceding subsections
      (a) and (b) are not available, the rate per annum determined by
      Administrative Agent as the rate of interest (rounded to the next 1/100th
      of 1%) at which deposits in Dollars for delivery on the first day of such
      Interest Period in same day funds in the approximate amount of the
      Eurodollar Loan being made, continued or converted by Administrative Agent
      (or its Affiliate) in its capacity as a lender and with a term equivalent
      to such Interest Period would be offered by Bank of America's London
      Branch to major banks in the offshore Dollar market at their request at
      approximately 11:00 a.m. (London time) two Business Days prior to the
      first day of such Interest Period.

            "Eurodollar Reserve Percentage" shall mean, for any day during any
      Interest Period, the reserve percentage (expressed as a decimal, rounded
      to the next 1/100th of 1%) in effect on such day, whether or not
      applicable to any Bank,

                                      -87-
<PAGE>
      under regulations issued from time to time by the Board of Governors of
      the Federal Reserve System for determining the maximum reserve requirement
      (including any emergency, supplemental or other marginal reserve
      requirement) with respect to Eurocurrency funding (currently referred to
      as "Eurocurrency liabilities"). The Eurodollar Rate for each outstanding
      Eurodollar Loan shall be adjusted automatically as of the effective date
      of any change in the Eurodollar Reserve Percentage. The determination of
      the Eurodollar Reserve Percentage and the Eurodollar Rate by the
      Administrative Agent shall be conclusive in the absence of manifest error.

            "Event of Default" shall have the meaning provided in Section 10.

            "Excess Cash Flow" shall mean, for any period, (a) Consolidated
      EBITDA less (b) the sum of (i) Consolidated Interest Expense paid or
      required to be paid in cash for such period, (ii) all scheduled payments
      of principal made or required to be made with respect to all Indebtedness
      (including the principal portion of Capitalized Lease Obligation) for such
      period, (iii) all Capital Expenditures for such period, and (iv) all
      income and franchise taxes paid or required to be paid in cash by the
      Borrower and its Subsidiaries on a consolidated basis during such period.

            "Excess Cash Payment Date" shall mean the date occurring 100 days
      after the last day of each fiscal year of the Borrower (beginning with its
      fiscal year ending on December 31, 2002).

            "Excess Cash Payment Period" shall mean, with respect to the
      repayment required on each Excess Cash Payment Date, the immediately
      preceding fiscal year of the Borrower.

            "Existing Indebtedness" shall have the meaning provided in Section
      7.22.

            "Existing Indebtedness Agreements" shall have the meaning provided
      in Section 5.05.

            "Facility Increase" shall have the meaning provided in Section
      1.15(a).

            "Facility Increase Date" shall have the meaning provided in Section
      1.15(b).

            "Facility Increase Supplement" shall have the meaning provided in
      Section 1.15(d).

            "Facing Fee" shall have the meaning provided in Section 3.01(c).

            "Federal Funds Rate" shall mean, for any day, the rate per annum
      equal to the weighted average of the rates on overnight Federal funds
      transactions with

                                      -88-
<PAGE>
      members of the Federal Reserve System arranged by Federal funds brokers on
      such day, as published by the Federal Reserve Bank on the Business Day
      next succeeding such day; provided that (a) if such day is not a Business
      Day, the Federal Funds Rate for such day shall be such rate on such
      transactions on the next preceding Business Day as so published on the
      next succeeding Business Day, and (b) if no such rate is so published on
      such next succeeding Business Day, the Federal Funds Rate for such day
      shall be the average rate charged to Bank of America on such day on such
      transactions as determined by the Administrative Agent.

            "Fees" shall mean all amounts payable pursuant to or referred to in
      Section 3.01.

            "Foreign Pension Plan" shall mean any plan, fund (including, without
      limitation, any superannuation fund) or other similar program established
      or maintained outside the United States by the Borrower or any one or more
      of its Subsidiaries primarily for the benefit of employees of the Borrower
      or such Subsidiaries residing outside the United States, which plan, fund
      or other similar program provides, or results in, retirement income, a
      deferral of income in contemplation of retirement or payments to be made
      upon termination of employment, and which plan is not subject to ERISA or
      the Code.

            "Foreign Subsidiary" shall mean each Subsidiary of the Borrower
      which is not a Domestic Subsidiary.

            "GAAP" shall mean generally accepted accounting principles set forth
      in the opinions and pronouncements of the Accounting Principles Board and
      the American Institute of Certified Public Accountants and statements and
      pronouncements of the Financial Accounting Standards Board of such other
      principles as may be approved by a significant segment of the accounting
      professions, that are applicable to the circumstances as of the date of
      determination, consistently applied.

            "Hazardous Materials" shall mean (a) any petroleum or petroleum
      products, radioactive materials, asbestos in any form that is friable,
      urea formaldehyde foam insulation, transformers or other equipment that
      contains dielectric fluid containing levels of polychlorinated biphenyls,
      and radon gas; (b) any chemicals, materials or substances defined as or
      included in the definition of "hazardous substances," "hazardous waste,"
      "hazardous materials," "extremely hazardous substances," "restricted
      hazardous waste," "toxic substances," "toxic pollutants," "contaminants,"
      or "pollutants," or words of similar import, under any applicable
      Environmental Law; and (c) any other chemical, material or substance, the
      Release of which is prohibited, limited or regulated by any governmental
      authority.

                                      -89-
<PAGE>
            "Inactive Subsidiary" shall mean each of Direct Magi Inc. and DBA FL
      Inc., each a New Jersey corporation and a Wholly-Owned Domestic Subsidiary
      of the Borrower.

            "Indebtedness" shall mean, as to any Person, without duplication,
      (i) all indebtedness (including principal, interest, fees and charges) of
      such Person for borrowed money or for the deferred purchase price of
      property or services, (ii) the maximum amount available to be drawn under
      all letters of credit, bankers' acceptances and similar obligations issued
      for the account of such Person and all unpaid drawings in respect of such
      letters of credit, bankers' acceptances and similar obligations, (iii) all
      Indebtedness of the types described in clause (i), (ii), (iv), (v), (vi)
      or (vii) of this definition secured by any Lien on any property owned by
      such Person, whether or not such Indebtedness has been assumed by such
      Person (provided that, if the Person has not assumed or otherwise become
      liable in respect of such Indebtedness, such Indebtedness shall be deemed
      to be in an amount equal to the fair market value of the property to which
      such Lien relates as determined in good faith by such Person), (iv) the
      aggregate amount required to be capitalized under leases under which such
      Person is the lessee, (v) all obligations of such Person to pay a
      specified purchase price for goods or services, whether or not delivered
      or accepted, i.e., take-or-pay and similar obligations, (vi) all
      Contingent Obligations of such Person, and (vii) all obligations under any
      Interest Rate Protection Agreement, any Other Hedging Agreement or under
      any similar type of agreement. Notwithstanding the foregoing, Indebtedness
      shall not include trade payables and accrued expenses incurred by any
      Person in accordance with customary practices and in the ordinary course
      of business of such Person.

            "Initial Borrowing Date" shall mean the date occurring on or after
      the Effective Date on which the initial Borrowing of Loans occurs.

            "Intercompany Loan" shall mean each intercompany loan or advance
      between or among the Borrower and its Subsidiaries or between or among
      Subsidiaries of the Borrower.

            "Intercompany Note" shall mean a promissory note, in the form of
      Exhibit L or in such other form as is reasonably acceptable to the
      Administrative Agent, evidencing Intercompany Loans.

            "Interest Determination Date" shall mean, with respect to any
      Eurodollar Loan, the second Business Day prior to the commencement of any
      Interest Period relating to such Eurodollar Loan.

            "Interest Period" shall have the meaning provided in Section 1.09.

                                      -90-
<PAGE>
            "Interest Rate Protection Agreement" shall mean any interest rate
      swap agreement, interest rate cap agreement, interest collar agreement,
      interest rate hedging agreement or other similar agreement or arrangement.

            "Investments" shall have the meaning provided in Section 9.05.

            "Issuing Lender" shall mean Bank of America.

            "L/C Supportable Obligations" shall mean (i) obligations of the
      Borrower or any of its Subsidiaries with respect to workers compensation,
      surety bonds and other similar statutory obligations and (ii) such other
      obligations of the Borrower or any of its Subsidiaries as are reasonably
      acceptable to the Issuing Lender and otherwise permitted to exist pursuant
      to the terms of this Agreement (other than obligations in respect of the
      Senior Subordinated Notes).

            "Leaseholds" of any Person shall mean all the right, title and
      interest of such Person as lessee or licensee in, to and under leases or
      licenses of land, improvements and/or fixtures.

            "Lender" shall mean each financial institution listed on Schedule I,
      as well as any Person that becomes a "Lender" hereunder pursuant to
      Sections 1.13, 1.15 or 13.04(b).

            "Lender Default" shall mean (i) the refusal (which has not been
      retracted) or the failure of a Lender to make available its portion of any
      Borrowing (including any Mandatory Borrowing) or to fund its portion of
      any unreimbursed payment under Section 2.04(c) or (ii) a Lender having
      notified in writing the Borrower and/or the Administrative Agent that such
      Lender does not intend to comply with its obligations under Section
      1.01(a), 1.01(b), 1.01(c), 1.01(e) or 2.

            "Letter of Credit" shall have the meaning provided in Section
      2.01(a).

            "Letter of Credit Fee" shall have the meaning provided in Section
      3.01(b).

            "Letter of Credit Outstandings" shall mean, at any time, the sum of
      (i) the Stated Amount of all outstanding Letters of Credit and (ii) the
      aggregate amount of all Unpaid Drawings in respect of all Letters of
      Credit.

            "Letter of Credit Request" shall have the meaning provided in
      Section 2.03(a).

            "Lien" shall mean any mortgage, security interest, pledge,
      hypothecation, assignment, deposit arrangement, encumbrance, lien
      (statutory or other), preference, priority or other security agreement of
      any kind or nature whatsoever (including, without limitation, any
      conditional sale or other title retention agreement, any financing or
      similar statement or notice filed under the UCC or

                                      -91-
<PAGE>
      any other similar recording or notice statute, and any lease having
      substantially the same effect as any of the foregoing).

            "Loan" shall mean each Tranche A Term Loan, each Tranche B Term
      Loan, each Revolving Loan and each Swingline Loan.

            "Management Agreements" shall have the meaning provided in Section
      5.05.

            "Mandatory Borrowing" shall have the meaning provided in Section
      1.01(e).

            "Margin Reduction Period" shall mean each period which shall
      commence on the date occurring after the Initial Borrowing Date upon which
      respective officer's certificate is delivered pursuant to Section 8.01(f)
      and which shall end on the date of actual delivery of the next officer's
      certificates pursuant to section 8.01(f) or the latest date on which such
      next officer's certificate is required to be so delivered.

            "Margin Stock" shall have the meaning provided in Regulation U.

            "Material Adverse Effect" shall mean (i) a material adverse effect
      on the business, operations, properties, assets, liabilities, condition
      (financial or otherwise) or prospects of the Borrower or of the Borrower
      and its Subsidiaries taken as a whole, or (ii) a material adverse effect
      on the rights or remedies of the Lenders or the Administrative Agent
      hereunder or under any other Credit Document or on the ability of any
      Credit Party to perform its obligations to the Lenders or the
      Administrative Agent hereunder or under any other Credit Document.

            "Maturity Date" shall mean, with respect to any Tranche of Loans,
      the Tranche A Term Loan Maturity Date, the Tranche B Term Loan Maturity
      Date, the Revolving Loan Maturity Date or the Swingline Expiry Date, as
      the case may be.

            "Maximum Swingline Amount" shall mean $5,000,000.

            "Minimum Borrowing Amount" shall mean (i) for Term Loans,
      $5,000,000, (ii) for Revolving Loans, $500,000 and (iii) for Swingline
      Loans, $100,000.

            "Mortgage" shall mean a mortgage, leasehold mortgage, deed of trust,
      leasehold deed of trust, deed to secure debt, leasehold deed to secure
      debt or similar security instrument.

                                      -92-
<PAGE>
            "Mortgaged Property" shall mean any Real Property owned or leased by
      the Borrower or any Subsidiary Guarantor which is encumbered (or required
      to be encumbered) by a Mortgage.

            "NAIC" shall mean the National Association of Insurance
      Commissioners.

            "Net Debt Proceeds" shall mean, with respect to any incurrence of
      Indebtedness for borrowed money, the cash proceeds (net of underwriting
      discounts and commissions and other reasonable costs associated therewith)
      received by the respective Person from the respective incurrence of such
      Indebtedness for borrowed money.

            "Net Equity Proceeds" shall mean, with respect to each issuance or
      sale of any equity by any Person or any capital contribution to such
      Person, the cash proceeds (net of underwriting discounts and commissions
      and other reasonable costs associated therewith) received by such Person
      from the respective sale or issuance of its equity or from the respective
      capital contribution. The term "Net Equity Proceeds" also shall include
      the amount of Net Debt Proceeds received by the Borrower from the issuance
      or incurrence of Indebtedness for borrowed money under Section 9.04(xii)
      which is convertible into shares of the Borrower's capital stock, although
      such Net Equity Proceeds shall not be considered to be received by the
      Borrower until such conversion occurs.

            "Net Insurance Proceeds" shall mean, with respect to any Recovery
      Event, the cash proceeds (net of reasonable costs and taxes incurred in
      connection with such Recovery Event) received by the respective Person in
      connection with such Recovery Event.

            "Net Sale Proceeds" shall mean, for any Asset Sale, the gross cash
      proceeds (including any cash received by way of deferred payment pursuant
      to a promissory note, receivable or otherwise, but only as and when
      received) received from such sale of assets, net of the reasonable costs
      of such sale (including fees and commissions, payments of unassumed
      liabilities relating to the assets sold and required payments of any
      Indebtedness (other than Indebtedness secured pursuant to the Security
      Documents) which is secured by the respective assets which were sold), and
      the incremental taxes paid or payable as a result of such Asset Sale.

            "Non-Compete Agreements" shall have the meaning provided in Section
      5.05.

            "Non-Defaulting Lender" and "Non-Defaulting RL Lender" shall mean
      and include each Lender or RL Lender, as the case may be, other than a
      Defaulting Lender.

            "Note" shall mean each Tranche A Term Note, each Tranche B Term
      Note, each Revolving Note and the Swingline Note.

                                      -93-
<PAGE>
            "Notice of Borrowing" shall have the meaning provided in Section
      1.03(a).

            "Notice of Conversion" shall have the meaning provided in Section
      1.06.

            "Notice Office" shall mean the office of the Administrative Agent
      located at 231 South LaSalle Street, Chicago, Illinois 60697, Attention:
      David Johanson or such other office or person as the Administrative Agent
      may hereafter designate in writing as such to the other parties hereto.

            "Obligations" shall mean all amounts owing to the Administrative
      Agent, the Collateral Agent, the Issuing Lender, the Swingline Lender or
      any Lender pursuant to the terms of this Agreement or any other Credit
      Document.

            "Other Hedging Agreement" shall mean any foreign exchange contracts,
      currency swap agreements, commodity agreements or other similar agreements
      or arrangements designed to protect against the fluctuations in currency
      values.

            "Participant" shall have the meaning provided in Section 2.04(a).

            "Payment Office" shall mean the office of the Administrative Agent
      located at 231 South LaSalle Street, Chicago, Illinois 60697, or such
      other office as the Administrative Agent may hereafter designate in
      writing as such to the other parties hereto.

            "PBGC" shall mean the Pension Benefit Guaranty Corporation
      established pursuant to Section 4002 of ERISA, or any successor thereto.

            "Permitted Acquisition" shall mean the acquisition by the Borrower
      or a Wholly-Owned Subsidiary thereof of assets constituting a business,
      division or product line of any Person not already a Subsidiary of the
      Borrower or of 100% of the capital stock of any such Person (including by
      way of merger), which Person shall, as a result of such stock acquisition,
      become a Wholly-Owned Subsidiary of the Borrower (or shall be merged with
      and into a Wholly-Owned Subsidiary of the Borrower) (such assets or Person
      are referred to as an "Acquired Entity or Business"), provided that (in
      each case):

            (A) the consideration paid by the Borrower or such Wholly-Owned
      Subsidiary consists solely of cash (including proceeds of Loans), the
      issuance or incurrence of Indebtedness otherwise permitted by Section
      9.04, the issuance of common stock of the Borrower or Qualified Preferred
      Stock of the Borrower to the extent no Default or Event of Default exists
      pursuant to Section 10.10 or would result therefrom and the assumption/
      acquisition of any Indebtedness (calculated at face value) which is
      permitted to remain outstanding in accordance with the requirements of
      Section 9.04;

                                      -94-
<PAGE>
            (B) in the case of the acquisition of 100% of the capital stock of
      any Person (including way of merger), such Person shall own no capital
      stock of any other Person (other de minimis amounts) unless either (x)
      such Person owns 100% of the capital stock of such other Person or (y) (1)
      such Person and/or its Wholly-Owned Subsidiaries own at least 80% of the
      consolidated assets of such Person and its Subsidiaries and (2) any
      non-Wholly Owned Subsidiary of such Person was non-Wholly Owned prior to
      the date of such Permitted Acquisition of such Person;

            (C) the Acquired Entity or Business acquired pursuant to the
      respective Permitted Acquisition is in a business permitted by Section
      9.15; and

            (D) all applicable requirements of Sections 8.15, 9.02 and 9.16
      applicable to Permitted Acquisitions are satisfied.

      Notwithstanding anything to the contrary contained in the immediately
      preceding sentence, an acquisition which does not otherwise meet the
      requirements set forth above in the definition of "Permitted Acquisition"
      shall constitute a Permitted Acquisition if, and to the extent, the
      Required Lenders agree in writing that such acquisition shall constitute a
      Permitted Acquisition for purposes of this Agreement.

            "Permitted Encumbrance" shall mean, with respect to any Mortgaged
      Property, such exceptions to title as are set forth in the respective
      mortgage title insurance policy delivered with respect thereto, all of
      which exceptions must be acceptable to the Administrative Agent in its
      reasonable discretion.

            "Permitted Holders" shall mean Vinod Gupta and his spouse, their
      lineal descendants and adopted children and spouses of their lineal
      descendants and adopted children, any foundation controlled by any of the
      foregoing persons, any trusts for the benefit of any of the foregoing
      persons and any Affiliates of the foregoing persons.

            "Permitted Liens" shall have the meaning provided in Section 9.01.

            "Person" shall mean any individual, partnership, joint venture,
      firm, corporation, association, limited liability company, trust or other
      enterprise or any government or political subdivision or any agency,
      department or instrumentality thereof.

            "Plan" shall mean any pension plan as defined in Section 3(2) of
      ERISA, which is maintained or contributed to by (or to which there is an
      obligation to contribute of) the Borrower or a Subsidiary of the Borrower
      or an ERISA Affiliate, and each such plan for the five year period
      immediately following the latest date on which the Borrower, a Subsidiary
      of the Borrower or an ERISA

                                      -95-
<PAGE>
      Affiliate maintained, contributed to or had an obligation to contribute to
      such plan.

            "Pledge Agreement" shall have the meaning provided in Section 5.09.

            "Pledge Agreement Collateral" shall mean all "Collateral" as defined
      in the Pledge Agreement.

            "Projections" shall mean the projections prepared by the Borrower as
      set forth in the Confidential Offering Memorandum relating to the
      financing hereunder, dated November, 2001, which Confidential Offering
      Memorandum was furnished by Bank of America Securities LLC (with the
      assistance and approval of the Borrower) to the Lenders prior to the
      Initial Borrowing Date.

            "Qualified Preferred Stock" shall mean any preferred stock of the
      Borrower so long as the terms of any such preferred stock (v) do not
      contain any mandatory put, redemption, repayment, sinking fund or other
      similar provision, except upon the occurrence of a change of control (the
      definition of which shall be no more restrictive than that set forth in
      the Senior Subordinated Note Indenture) so long as the terms thereof do
      not require any such redemption or other action unless (and until) all
      Obligations have been paid in full and the Total Commitment and all
      Letters of Credit have been terminated or the requisite consents under
      this Agreement have been obtained to permit such redemption or other
      action, (w) do not require the cash payment of dividends to the extent
      that the payment thereof would not be permitted at such time pursuant to
      this Agreement, (x) do not contain any operating or financial maintenance
      covenants, (y) do not grant the holders thereof any voting rights (prior
      to the conversion into common stock of the Borrower, if applicable) except
      for (I) voting rights required to be granted to such holders under
      applicable law and (II) limited customary voting rights on fundamental
      matters such as mergers, consolidations, sales of all or substantially all
      of the assets of the Borrower, or liquidations involving the Borrower, and
      (z) are otherwise reasonably satisfactory to the Administrative Agent.

            "Quarterly Payment Date" shall mean the last Business Day of each
      December, March, June and September occurring after the Initial Borrowing
      Date, commencing on March 31, 2002.

            "RCRA" shall mean the Resource Conservation and Recovery Act, as the
      same may be amended from time to time, 42 U.S.C. Section 6901 et seq.

            "Real Property" of any Person shall mean all the right, title and
      interest of such Person in and to land, improvements and fixtures,
      including Leaseholds.

            "Recovery Event" shall mean the receipt by the Borrower or any of
      its Subsidiaries of any cash insurance proceeds or condemnation awards
      payable

                                      -96-
<PAGE>
      (i) by reason of theft, loss, physical destruction, damage, taking or any
      other similar event with respect to any property or assets of the Borrower
      or any of its Subsidiaries and (ii) under any policy of insurance required
      to be maintained under Section 8.03.

            "Refinancing" shall have the meaning provided in Section 5.06(a).

            "Register" shall have the meaning provided in Section 13.15.

            "Regulation D", "Regulation T", "Regulation U" or "Regulation X", as
      the case may be, shall mean Regulation D, T, U or X, as the case may be,
      of the Board of Governors of the Federal Reserve System as from time to
      time in effect and any successor to all or a portion thereof.

            "Release" shall mean the disposing, discharging, injecting,
      spilling, pumping, leaking, leaching, dumping, emitting, escaping,
      emptying, pouring or migrating, into or upon any land or water or air, or
      otherwise entering into the environment.

            "Replaced Lender" shall have the meaning provided in Section 1.13.

            "Replacement Lender" shall have the meaning provided in Section
      1.13.

            "Reportable Event" shall mean an event described in Section 4043(c)
      of ERISA with respect to a Plan that is subject to Title IV of ERISA other
      than those events as to which the 30-day notice period is waived under
      subsection .22, .23, .25, .27 or .28 of PBGC Regulation Section 4043.

            "Required Lenders" shall mean Non-Defaulting Lenders the sum of
      whose outstanding Term Loans and Revolving Loan Commitments (or after the
      termination thereof, outstanding Revolving Loans and RL Percentages of (x)
      outstanding Swingline Loans and (y) Letter of Credit Outstandings)
      represent more than 50% of the sum of (i) the aggregate principal amount
      of all outstanding Term Loans of Non-Defaulting Lenders and (ii) the Total
      Revolving Loan Commitment less the Revolving Loan Commitments of all
      Defaulting Lenders (or after the termination thereof, the sum of the then
      aggregate principal amount of all outstanding Revolving Loans of
      Non-Defaulting Lenders and the aggregate RL Percentages of all
      Non-Defaulting Lenders of the total (x) the aggregate principal amount of
      outstanding Swingline Loans and (y) Letter of Credit Outstandings at such
      time).

            "Restricted Payments" shall mean in respect of period, (i) any and
      all Dividends authorized, declared or paid with respect to the Borrower or
      any of its Subsidiaries pursuant to clauses (iii), (iv) and (v) of Section
      9.03, (ii) the payment, prepayment, retirement, redemption, defeasance, or
      acquisition by the Borrower and/or any Subsidiary of any Subordinated
      Debt, and (iii) any and all

                                      -97-
<PAGE>
      payments ("earnout payments") required to be made by the Borrower or any
      Subsidiary which is based on the earnings or revenues relating to any
      Permitted Acquisitions.

            "Revolving Loan" shall have the meaning provided in Section 1.01(c).

            "Revolving Loan Commitment" shall mean, for each Lender, the amount
      set forth opposite such Lender's name in Schedule I directly below the
      column entitled "Revolving Loan Commitment," as same may be (x) reduced
      from time to time pursuant to Sections 3.02, 3.03 and/or 10 or (y)
      adjusted from time to time as a result of assignments to or from such
      Lender pursuant to Section 1.13 or 13.04(b) or (z) adjusted pursuant to
      Section 1.15.

            "Revolving Loan Maturity Date" shall mean March 31, 2005.

            "Revolving Note" shall have the meaning provided in Section 1.05(a).

            "RL Lender" shall mean each Lender with a Revolving Loan Commitment
      or with outstanding Revolving Loans.

            "RL Percentage" of any RL Lender at any time shall mean a fraction
      (expressed as a percentage) the numerator of which is the Revolving Loan
      Commitment of such RL Lender at such time and the denominator of which is
      the Total Revolving Loan Commitment at such time, provided that if the RL
      Percentage of any RL Lender is to be determined after the Total Revolving
      Loan Commitment has been terminated, then the RL Percentages of such RL
      Lender shall be determined immediately prior (and without giving effect)
      to such termination.

            "Scheduled Repayment" shall mean a Tranche A Term Loan Scheduled
      Repayment or a Tranche B Term Loan Scheduled Repayment, as the case may
      be.

            "SEC" shall have the meaning provided in Section 8.01(h).

            "Section 4.04(b)(ii) Certificate" shall have the meaning provided in
      Section 4.04(b)(ii).

            "Secured Creditors" shall have the meaning assigned that term in the
      respective Security Documents.

            "Securities Act" shall mean the Securities Act of 1933, as amended,
      and the rules and regulations promulgated thereunder.

            "Securities Exchange Act" shall mean the Securities Exchange Act of
      1934, as amended, and the rules and regulations promulgated thereunder.

                                      -98-
<PAGE>
            "Security Agreement" shall have the meaning provided in Section
      5.10.

            "Security Agreement Collateral" shall mean all "Collateral" as
      defined in the Security Agreement.

            "Security Document" shall mean and include each of the Security
      Agreement, the Pledge Agreement, each Mortgage and, after the execution
      and delivery thereof, each Additional Security Document.

            "Senior Leverage Ratio" - see definition of "Consolidated Senior
      Leverage Ratio".

            "Senior Subordinated Note Documents" shall mean the Senior
      Subordinated Note Indenture, the Senior Subordinated Notes and each other
      document or agreement relating to the issuance of the Senior Subordinated
      Notes.

            "Senior Subordinated Note Indenture" shall mean the Indenture, dated
      as of June 18, 1998, by and between the Borrower and State Street Bank and
      Trust Company of California, N.A., as trustee.

            "Senior Subordinated Notes" shall mean the Borrower's 9-1/2% Senior
      Subordinated Notes due 2008.

            "Shareholders' Agreements" shall have the meaning provided in
      Section 5.05.

            "Start Date" shall mean, with respect to any Margin Reduction
      Period, the first day of such Margin Reduction Period.

            "Stated Amount" of each Letter of Credit shall mean, at any time,
      the maximum amount available to be drawn thereunder (in each case
      determined without regard to whether any conditions to drawing could then
      be met).

            "Subordinated Debt" shall mean (i) Indebtedness under the Senior
      Subordinated Notes, (ii) the TGMVC Seller Subordinated Notes, and (iii)
      all other unsecured Indebtedness of the Borrower which has repayment terms
      and subordination provisions in form and substance acceptable to the
      Required Lenders.

            "Subsidiaries Guaranty" shall have the meaning provided in Section
      5.11.

            "Subsidiary" shall mean, as to any Person, (i) any corporation more
      than 50% of whose stock of any class or classes having by the terms
      thereof ordinary voting power to elect a majority of the directors of such
      corporation (irrespective of whether or not at the time stock of any class
      or classes of such corporation shall have or might have voting power by
      reason of the happening of any contingency)

                                      -99-
<PAGE>
      is at the time owned by such Person and/or one or more Subsidiaries of
      such Person and (ii) any partnership, limited liability company,
      association, joint venture or other entity in which such Person and/or one
      or more Subsidiaries of such Person has more than a 50% equity interest at
      the time.

            "Subsidiary Guarantor" shall mean each Domestic Subsidiary of the
      Borrower (other than an Inactive Subsidiary) and, to the extent required
      by Section 8.13, each Foreign Subsidiary of the Borrower.

            "Swingline Expiry Date" shall mean that date which is five Business
      Days prior to the Revolving Loan Maturity Date.

            "Swingline Lender" shall mean Bank of America.

            "Swingline Loan" shall have the meaning provided in Section 1.01(d).

            "Swingline Note" shall have the meaning provided in Section 1.05(a).

            "Syndication Date" shall mean that date upon which the
      Administrative Agent determines (and notifies the Borrower) that the
      primary syndication (and resultant addition of Persons as Lenders pursuant
      to Section 13.04(b)) has been completed.

            "Taxes" shall have the meaning provided in Section 4.04(a).

            "Term Loan" shall mean each Tranche A Term Loan and each Tranche B
      Term Loan.

            "Test Date" shall mean, with respect to any Start Date, the last day
      of the most recent fiscal quarter of the Borrower ended immediately prior
      to such Start Date.

            "Test Period" shall mean each period of four consecutive fiscal
      quarters of the Borrower then last ended (in each case taken as one
      accounting period).

            "TGMVC" shall mean TGMVC Corporation (f/k/a Infousa.com, Inc.), a
      Delaware corporation.

            "TGMVC Seller Subordinated Notes" shall mean the 6% Subordinated
      Notes in the original principal amount of $6,000,000, due September 29,
      2003, and issued in connection with the acquisition of TGMVC (f/k/a
      Infousa.com, Inc.).

            "Total Commitment" shall mean, at any time, the sum of the
      Commitments of each of the Lenders.

                                     -100-
<PAGE>
            "Total Consideration" shall have the meaning provided in the
      definition of Permitted Acquisition.

            "Total Leverage Ratio" - see definition of "Consolidated Total
      Leverage Ratio".

            "Total Revolving Loan Commitment" shall mean, at any time, the sum
      of the Revolving Loan Commitments of each of the Lenders.

            "Total Tranche A Term Loan Commitment" shall mean , at any time, the
      sum of the Tranche A Term Loan Commitments of each of the Lenders at such
      time.

            "Total Tranche B Term Loan Commitment" shall mean, at any time, the
      sum of the Tranche B Term Loan Commitments of each of the Lenders at such
      time.

            "Total Unutilized Revolving Loan Commitment" shall mean, at any
      time, an amount equal to the remainder of (x) the Total Revolving Loan
      Commitment then in effect less (y) the sum of the aggregate principal
      amount of all Revolving Loans and Swingline Loans then outstanding plus
      the then aggregate amount of all Letter of Credit Outstandings.

            "Tranche" shall mean the respective facility and commitments
      utilized in making Loans hereunder, with there being four separate
      Tranches, i.e., Tranche A Term Loans, Tranche B Term Loans, Revolving
      Loans and Swingline Loans.

            "Tranche A Term Loan" shall have the meaning provided in Section
      1.01(a).

            "Tranche A Term Loan Commitment" shall mean, for each Lender, the
      amount set forth opposite such Lender's name on Schedule I directly below
      the column entitled "Tranche A Term Loan Commitment," as the same may be
      (x) terminated pursuant to Sections 3.03 and/or 10 or (y) adjusted from
      time to time as a result of assignments to or from such Lender pursuant to
      Sections 1.13 and/or 13.04(b) or (z) adjusted pursuant to Section 1.15..

            "Tranche A Term Loan Maturity Date" shall mean March 31, 2005.

            "Tranche A Term Loan Percentage" shall mean, at any time, a fraction
      (expressed as a percentage) the numerator of which is equal to the
      aggregate principal amount of all Tranche A Term Loans outstanding at such
      time and the denominator of which is equal to the aggregate principal
      amount of all Term Loans outstanding at such time.

                                     -101-
<PAGE>
            "Tranche A Term Loan Scheduled Repayment" shall have the meaning
      provided in Section 4.02(b)(i).

            "Tranche A Term Note" shall have the meaning provided in Section
      1.05(a).

            "Tranche B Term Loan" shall have the meaning provided in Section
      1.01(b).

            "Tranche B Term Loan Commitment" shall mean, for each Lender, the
      amount set forth opposite such Lender's name on Schedule I directly below
      the column entitled "Tranche B Term Loan Commitment," as the same may be
      (x) terminated pursuant to Sections 3.03 and/or 10 or (y) adjusted from
      time to time as a result of assignments to or from such Lender pursuant to
      Sections 1.13 and/or 13.04(b).

            "Tranche B Term Loan Maturity Date" shall mean March 31, 2006.

            Tranche B Term Loan Percentage" shall mean, at any time, a fraction
      (expressed as a percentage) the numerator of which is equal to the
      aggregate principal amount of all Tranche B Term Loans outstanding at such
      time and the denominator of which is equal to the aggregate principal
      amount of all Term Loans outstanding at such time.

            "Tranche B Term Loan Scheduled Repayment" shall have the meaning
      provided in Section 4.02(b)(ii).

            "Tranche B Term Note" shall have the meaning provided in Section
      1.05(a).

            "Type" shall mean the type of Loan determined with regard to the
      interest option applicable thereto, i.e., whether a Base Rate Loan or a
      Eurodollar Loan.

            "UCC" shall mean the Uniform Commercial Code as from time to time in
      effect in the relevant jurisdiction.

            "Unfunded Current Liability" of any Plan shall mean the amount, if
      any, by which the actuarial present value of the accumulated plan benefits
      under the Plan determined on a plan termination basis in accordance with
      actuarial assumptions at such time consistent with those prescribed by the
      PBGC for purposes of Section 4044 of ERISA, exceeds the market value of
      all plan assets allocable to such liabilities under Title IV of ERISA
      (excluding any accrued but unpaid contribution).

            "United States" and "U.S." shall each mean the United States of
      America.

                                     -102-
<PAGE>
            "Unpaid Drawing" shall have the meaning provided for in Section
      2.05(a).

            "Unutilized Revolving Loan Commitment" shall mean, with respect to
      any Lender at any time, such Lender's Revolving Loan Commitment at such
      time less the sum of (i) the aggregate outstanding principal amount of all
      Revolving Loans made by such Lender at such time and (ii) such Lender's RL
      Percentage of the Letter of Credit Outstandings at such time.

            "Waivable Mandatory Repayment" shall have the meaning provided in
      Section 4.02(j).

            "Wholly-Owned Domestic Subsidiary" shall mean each Domestic
      Subsidiary of the Borrower that is also a Wholly-Owned Subsidiary of the
      Borrower.

            "Wholly-Owned Foreign Subsidiary" shall mean each Foreign Subsidiary
      of the Borrower that is also a Wholly-Owned Subsidiary of the Borrower.

            "Wholly-Owned Subsidiary" shall mean, as to any Person, (i) any
      corporation 100% of whose capital stock (other than director's qualifying
      shares) is at the time owned by such Person and/or one or more
      Wholly-Owned Subsidiaries of such Person and (ii) any partnership, limited
      liability company, association, joint venture or other entity in which
      such Person and/or one or more Wholly-Owned Subsidiaries of such Person
      has a 100% equity interest at such time.

                                   SECTION 12

                            THE ADMINISTRATIVE AGENT.

      12.01. Appointment. The Lenders hereby irrevocably designate Bank of
America as Administrative Agent (for purposes of this Section 12, the term
"Administrative Agent" also shall include Bank of America in its capacity as
Collateral Agent pursuant to the Security Documents) to act as specified herein
and in the other Credit Documents. Each Lender hereby irrevocably authorizes,
and each holder of any Note by the acceptance of such Note shall be deemed
irrevocably to authorize, the Administrative Agent to take such action on their
behalf under the provisions of this Agreement, the other Credit Documents and
any other instruments and agreements referred to herein or therein and to
exercise such powers and to perform such duties hereunder and thereunder as are
specifically delegated to or required of the Administrative Agent by the terms
hereof and thereof and such other powers as are reasonably incidental thereto.
The Administrative Agent may perform any of their respective duties hereunder by
or through its officers, directors, agents, employees or affiliates.

      12.02. Nature of Duties. The Administrative Agent shall not have any
duties or responsibilities except those expressly set forth in this Agreement
and in the other Credit Documents. Neither the Administrative Agent nor any of
its officers, directors, agents,

                                     -103-
<PAGE>
employees or affiliates shall be liable for any action taken or omitted by them
hereunder or under any other Credit Document or in connection herewith or
therewith, unless caused by its or their gross negligence or willful misconduct
(as determined by a court of competent jurisdiction in a final and
non-appealable decision). The duties of the Administrative Agent shall be
mechanical and administrative in nature; the Administrative Agent shall not have
by reason of this Agreement or any other Credit Document a fiduciary
relationship in respect of any Lender or the holder of any Note; and nothing in
this Agreement or in any other Credit Document, expressed or implied, is
intended to or shall be so construed as to impose upon the Administrative Agent
any obligations in respect of this Agreement or any other Credit Document except
as expressly set forth herein or therein.

      12.03. Lack of Reliance on the Administrative Agent. Independently and
without reliance upon the Administrative Agent, each Lender and the holder of
each Note, to the extent it deems appropriate, has made and shall continue to
make (i) its own independent investigation of the financial condition and
affairs of the Borrower and its Subsidiaries in connection with the making and
the continuance of the Loans and the taking or not taking of any action in
connection herewith and (ii) its own appraisal of the creditworthiness of the
Borrower and its Subsidiaries and, except as expressly provided in this
Agreement, the Administrative Agent shall not have any duty or responsibility,
either initially or on a continuing basis, to provide any Lender or the holder
of any Note with any credit or other information with respect thereto, whether
coming into its possession before the making of the Loans or at any time or
times thereafter. The Administrative Agent shall not be responsible to any
Lender or the holder of any Note for any recitals, statements, information,
representations or warranties herein or in any document, certificate or other
writing delivered in connection herewith or for the execution, effectiveness,
genuineness, validity, enforceability, perfection, collectibility, priority or
sufficiency of this Agreement or any other Credit Document or the financial
condition of the Borrower or any of its Subsidiaries or be required to make any
inquiry concerning either the performance or observance of any of the terms,
provisions or conditions of this Agreement or any other Credit Document, or the
financial condition of the Borrower or any of its Subsidiaries or the existence
or possible existence of any Default or Event of Default.

      12.04. Certain Rights of the Administrative Agent. If the Administrative
Agent shall request instructions from the Required Lenders with respect to any
act or action (including failure to act) in connection with this Agreement or
any other Credit Document, the Administrative Agent shall be entitled to refrain
from such act or taking such action unless and until the Administrative Agent
shall have received instructions from the Required Lenders; and the
Administrative Agent shall not incur liability to any Lender by reason of so
refraining. Without limiting the foregoing, neither any Lender nor the holder of
any Note shall have any right of action whatsoever against the Administrative
Agent as a result of the Administrative Agent acting or refraining from acting
hereunder or under any other Credit Document in accordance with the instructions
of the Required Lenders.

      12.05. Reliance. The Administrative Agent shall be entitled to rely, and
shall be fully protected in relying, upon any note, writing, resolution, notice,
statement, certificate, telex, teletype or telecopier message, cablegram,
radiogram, order or other document or telephone message signed, sent or made by
any Person that the Administrative Agent believed to be the

                                     -104-
<PAGE>
proper Person, and, with respect to all legal matters pertaining to this
Agreement and any other Credit Document and its duties hereunder and thereunder,
upon advice of counsel selected by the Administrative Agent.

      12.06. Indemnification. To the extent the Administrative Agent (or any
affiliate thereof) is not reimbursed and indemnified by the Borrower, the
Lenders will reimburse and indemnify the Administrative Agent (and any affiliate
thereof) in proportion to their respective "percentage" as used in determining
the Required Lenders (determined as if there were no Defaulting Lenders) for and
against any and all liabilities, obligations, losses, damages, penalties,
claims, actions, judgments, costs, expenses or disbursements of whatsoever kind
or nature which may be imposed on, asserted against or incurred by the
Administrative Agent (or any affiliate thereof) in performing its duties
hereunder or under any other Credit Document or in any way relating to or
arising out of this Agreement or any other Credit Document; provided that no
Lender shall be liable for any portion of such liabilities, obligations, losses,
damages, penalties, actions, judgments, suits, costs, expenses or disbursements
resulting from the Administrative Agent's gross negligence or willful misconduct
(as determined by a court of competent jurisdiction in a final and
non-appealable decision).

      12.07. The Administrative Agent in its Individual Capacity. With respect
to its obligation to make Loans, or issue or participate in Letters of Credit,
under this Agreement, the Administrative Agent shall have the rights and powers
specified herein for a "Lender" and may exercise the same rights and powers as
though it were not performing the duties specified herein; and the term
"Lender," "Required Lenders", "holders of Notes" or any similar terms shall,
unless the context clearly otherwise indicates, include the Administrative Agent
in its respective individual capacities. The Administrative Agent and its
affiliates may accept deposits from, lend money to, and generally engage in any
kind of banking, investment banking, trust or other business with, or provide
debt financing, equity capital or other services (including financial advisory
services) to, any Credit Party or any Affiliate of any Credit Party (or any
Person engaged in a similar business with any Credit Party or any Affiliate
thereof) as if they were not performing the duties specified herein, and may
accept fees and other consideration from any Credit Party or any Affiliate of
any Credit Party for services in connection with this Agreement and otherwise
without having to account for the same to the Lenders.

      12.08. Holders. The Administrative Agent may deem and treat the payee of
any Note as the owner thereof for all purposes hereof unless and until a written
notice of the assignment, transfer or endorsement thereof, as the case may be,
shall have been filed with the Administrative Agent. Any request, authority or
consent of any Person who, at the time of making such request or giving such
authority or consent, is the holder of any Note shall be conclusive and binding
on any subsequent holder, transferee, assignee or indorsee, as the case may be,
of such Note or of any Note or Notes issued in exchange therefor.

      12.09. Resignation by the Administrative Agent.

      (a) The Administrative Agent may resign from the performance of all its
respective functions and duties hereunder and/or under the other Credit
Documents at any time by giving 15 Business Days' prior written notice to the
Lenders. Such resignation shall take effect upon the

                                     -105-
<PAGE>
appointment of a successor Administrative Agent pursuant to clauses (b) and (c)
below or as otherwise provided below.

      (b) Upon any such notice of resignation by the Administrative Agent, the
Required Lenders shall appoint a successor Administrative Agent hereunder or
thereunder who shall be a commercial bank or trust company reasonably acceptable
to the Borrower which acceptance shall not be unreasonably withheld or delayed
(provided that the Borrower's approval shall not be required if an Event of
Default then exists).

      (c) If a successor Administrative Agent shall not have been so appointed
within such 15 Business Day period, the Administrative Agent with the consent of
the Borrower (which consent shall not be unreasonably withheld or delayed,
provided that the Borrower's consent shall not be required if an Event of
Default then exists), shall then appoint a successor Administrative Agent who
shall serve as Administrative Agent hereunder or thereunder until such time, if
any, as the Required Lenders appoint a successor Administrative Agent as
provided above.

      (d) If no successor Administrative Agent has been appointed pursuant to
clause (b) or (c) above by the 20th Business Day after the date such notice of
resignation was given by the Administrative Agent, the Administrative Agent's
resignation shall become effective and the Required Lenders shall thereafter
perform all the duties of the Administrative Agent hereunder and/or under any
other Credit Document until such time, if any, as the Required Lenders appoint a
successor Administrative Agent as provided above.

      12.10. Issuing Lender. The Issuing Lender shall have the rights and
protections hereunder to the same extent as if it were the Administrative Agent.

                                   SECTION 13

                                 MISCELLANEOUS.

      13.01. Payment of Expenses, etc. The Borrower shall:

            (i) whether or not the transactions herein contemplated are
      consummated, pay all reasonable out-of-pocket costs and expenses of the
      Administrative Agent (including, without limitation, the reasonable fees
      and disbursements of McDermott, Will & Emery and of the Administrative
      Agent's consultants) in connection with the preparation, execution and
      delivery of this Agreement and the other Credit Documents and the
      documents and instruments referred to herein and therein and any
      amendment, waiver or consent relating hereto or thereto, of the
      Administrative Agent in connection with its syndication efforts with
      respect to this Agreement and of the Administrative Agent and, after the
      occurrence of an Event of Default, each of the Lenders in connection with
      the enforcement of this Agreement and the other Credit Documents and the
      documents and instruments referred to herein and therein or in connection
      with any refinancing or restructuring of the credit arrangements provided
      under this Agreement in the nature of a "work-out" or pursuant to any
      insolvency or bankruptcy proceedings (including, in each case without
      limitation, the reasonable fees and disbursements

                                     -106-
<PAGE>
      of counsel and consultants for the Administrative Agent and, after the
      occurrence of an Event of Default, counsel for each of the Lenders);

            (ii) pay and hold the Administrative Agent and each of the Lenders
      harmless from and against any and all present and future stamp, excise and
      other similar documentary taxes with respect to the foregoing matters and
      save the Administrative Agent and each of the Lenders harmless from and
      against any and all liabilities with respect to or resulting from any
      delay or omission (other than to the extent attributable to the
      Administrative Agent or such Lender) to pay such taxes; and

            (iii) indemnify the Administrative Agent and each Lender, and each
      of their respective officers, directors, employees, representatives,
      agents, affiliates, trustees and investment advisors from and hold each of
      them harmless against any and all liabilities, obligations (including
      removal or remedial actions), losses, damages, penalties, claims, actions,
      judgments, suits, costs, expenses and disbursements (including reasonable
      attorneys' and consultants' fees and disbursements) incurred by, imposed
      on or assessed against any of them as a result of, or arising out of, or
      in any way related to, or by reason of, (a) any investigation, litigation
      or other proceeding (whether or not the Administrative Agent or any Lender
      is a party thereto and whether or not such investigation, litigation or
      other proceeding is brought by or on behalf of any Credit Party) related
      to the entering into and/or performance of this Agreement or any other
      Credit Document or the use of any Letter of Credit or the proceeds of any
      Loans hereunder or the consummation of the Refinancing or any other
      transactions contemplated herein or in any other Credit Document or the
      exercise of any of their rights or remedies provided herein or in the
      other Credit Documents, or (b) the actual or alleged presence of Hazardous
      Materials in the air, surface water or groundwater or on the surface or
      subsurface of any Real Property owned, leased or at any time operated by
      the Borrower or any of its Subsidiaries, the generation, storage,
      transportation, handling or disposal of Hazardous Materials by the
      Borrower or any of its Subsidiaries at any location, whether or not owned,
      leased or operated by the Borrower or any of its Subsidiaries, the
      non-compliance of any Real Property with foreign, federal, state and local
      laws, regulations, and ordinances (including applicable permits
      thereunder) applicable to any Real Property, or any Environmental Claim
      asserted against the Borrower, any of its Subsidiaries or any Real
      Property owned, leased or at any time operated by the Borrower or any of
      its Subsidiaries, including, in each case, without limitation, the
      reasonable fees and disbursements of counsel and other consultants
      incurred in connection with any such investigation, litigation or other
      proceeding (but excluding any losses, liabilities, claims, damages or
      expenses to the extent incurred by reason of the gross negligence or
      willful misconduct of the Person to be indemnified (as determined by a
      court of competent jurisdiction in a final and non-appealable decision)).

                                     -107-
<PAGE>
To the extent that the undertaking to indemnify, pay or hold harmless the
Administrative Agent or any Lender set forth in the preceding sentence may be
unenforceable because it is violative of any law or public policy, the Borrower
shall make the maximum contribution to the payment and satisfaction of each of
the indemnified liabilities which is permissible under applicable law.

      13.02. Right of Setoff. In addition to any rights now or hereafter granted
under applicable law or otherwise, and not by way of limitation of any such
rights, upon the occurrence and during the continuance of an Event of Default,
the Administrative Agent and each Lender is hereby authorized at any time or
from time to time, without presentment, demand, protest or other notice of any
kind to any Credit Party or to any other Person, any such notice being hereby
expressly waived, to set off and to appropriate and apply any and all deposits
(general or special) and any other Indebtedness at any time held or owing by the
Administrative Agent or such Lender (including, without limitation, by branches
and agencies of such Lender wherever located) to or for the credit or the
account of any Credit Party against and on account of the Obligations and
liabilities of the Credit Parties to the Administrative Agent or such Lender
under this Agreement or under any of the other Credit Documents, including,
without limitation, all interests in Obligations purchased by such Lender
pursuant to Section 13.06(b), and all other claims of any nature or description
arising out of or connected with this Agreement or any other Credit Document,
irrespective of whether or not such Lender shall have made any demand hereunder
and although said Obligations, liabilities or claims, or any of them, shall be
contingent or unmatured.

      13.03. Notices. Except as otherwise expressly provided herein, all notices
and other communications provided for hereunder shall be in writing (including
telegraphic, telex, telecopier or cable communication) and mailed, telegraphed,
telexed, telecopied, cabled or delivered: if to any Credit Party, at the address
specified opposite its signature below or in the other relevant Credit
Documents; if to any Lender, at its address specified on Schedule II; and if to
the Administrative Agent, at the Notice Office; or, as to any Credit Party or
the Administrative Agent, at such other address as shall be designated by such
party in a written notice to the other parties hereto and, as to each Lender, at
such other address as shall be designated by such Lender in a written notice to
the Borrower and the Administrative Agent. All such notices and communications
shall, when mailed, telegraphed, telexed, telecopied, or cabled or sent by
overnight courier, be effective when deposited in the mails, delivered to the
telegraph company, cable company or overnight courier, as the case may be, or
sent by telex or telecopier, except that notices and communications to the
Administrative Agent and the Borrower shall not be effective until received by
the Administrative Agent or the Borrower, as the case may be.

      13.04. Benefit of Agreement; Assignments; Participations.

      (a) This Agreement shall be binding upon and inure to the benefit of and
be enforceable by the respective successors and assigns of the parties hereto;
provided, however, the Borrower may not assign or transfer any of its rights,
obligations or interest hereunder without the prior written consent of the
Lenders and, provided further, that, although any Lender may transfer, assign or
grant participations in its rights hereunder, such Lender shall remain a
"Lender" for all purposes hereunder (and may not transfer or assign all or any
portion of its Commitments hereunder except as provided in Sections 1.13 and
13.04(b)) and the transferee, assignee or participant, as the case may be, shall
not constitute a "Lender" hereunder and, provided further,

                                     -108-
<PAGE>
that no Lender shall transfer or grant any participation under which the
participant shall have rights to approve any amendment to or waiver of this
Agreement or any other Credit Document except to the extent such amendment or
waiver would

            (i) extend the final scheduled maturity of any Loan, Note or Letter
      of Credit (unless such Letter of Credit is not extended beyond the
      Revolving Loan Maturity Date) in which such participant is participating,
      or reduce the rate or extend the time of payment of interest or Fees
      thereon (except in connection with a waiver of applicability of any
      post-default increase in interest rates) or reduce the principal amount
      thereof (it being understood that any amendment or modification to the
      financial definitions in this Agreement or to Section 13.07(a) shall not
      constitute a reduction in the rate of interest or Fees payable hereunder),
      or increase the amount of the participant's participation over the amount
      thereof then in effect (it being understood that a waiver of any Default
      or Event of Default or of a mandatory reduction in the Total Commitment
      shall not constitute a change in the terms of such participation, and that
      an increase in any Commitment (or the available portion thereof) or Loan
      shall be permitted without the consent of any participant if the
      participant's participation is not increased as a result thereof),

            (ii) consent to the assignment or transfer by the Borrower of any of
      its rights and obligations under this Agreement, or

            (iii) release all or substantially all of the Collateral under all
      of the Security Documents (except as expressly provided in the Credit
      Documents) supporting the Loans or Letters of Credit hereunder in which
      such participant is participating or release all or substantially all of
      the Subsidiary Guarantors.

In the case of any such participation, the participant shall not have any rights
under this Agreement or any of the other Credit Documents (the participant's
rights against such Lender in respect of such participation to be those set
forth in the agreement executed by such Lender in favor of the participant
relating thereto) and all amounts payable by the Borrower hereunder shall be
determined as if such Lender had not sold such participation.

      (b) Notwithstanding the foregoing, any Lender (or any Lender together with
one or more other Lenders) may (x) assign all or a portion of its Commitments
and related outstanding Obligations (or, if the Commitments with respect to the
relevant Tranche have terminated, outstanding Obligations) hereunder to (i) its
parent company and/or any affiliate of such Lender which is at least 50% owned
by such Lender or its parent company or to one or more Lenders or (ii) in the
case of any Lender that is a fund that invests in loans, any other fund that
invests in loans and is managed or advised by the same investment advisor of
such Lender or by an Affiliate of such investment advisor or (y) assign all, or
if less than all, a portion equal to at least $5,000,000 in the aggregate for
the assigning Lender or assigning Lenders, of such Commitments and related
outstanding Obligations (or, if the Commitments with respect to the relevant
Tranche have terminated, outstanding Obligations) hereunder to one or more
Eligible Transferees (treating any fund that invests in loans and any other fund
that invests in loans and is managed or advised by the same investment advisor
of such fund or by an Affiliate of such

                                     -109-
<PAGE>
investment advisor as a single Eligible Transferee), each of which assignees
shall become a party to this Agreement as a Lender by execution of an Assignment
and Assumption Agreement, provided that,

            (i) at such time Schedule I shall be deemed modified to reflect the
      Commitments and/or outstanding Loans, as the case may be, of such new
      Lender and of the existing Lenders,

            (ii) upon the surrender of the relevant Notes by the assigning
      Lender (or, upon such assigning Lender's indemnifying the Borrower for any
      lost Note pursuant to a customary indemnification agreement) new Notes
      will be issued, at the Borrower's expense, to such new Lender and to the
      assigning Lender upon the request of such new Lender or assigning Lender,
      such new Notes to be in conformity with the requirements of Section 1.05
      (with appropriate modifications) to the extent needed to reflect the
      revised Commitments and/or outstanding Loans, as the case may be,

            (iii) the consent of the Administrative Agent and, so long as no
      Default or Event of Default then exists, the consent of the Borrower,
      shall (in each case) be required in connection with any assignment to an
      Eligible Transferee pursuant to clause (y) above (each of which consents
      shall not be unreasonably withheld or delayed),

            (iv) the Administrative Agent shall receive at the time of each such
      assignment, from the assigning or assignee Lender, the payment of a
      non-refundable assignment fee of $3,500, and

            (v) no such transfer or assignment will be effective until recorded
      by the Administrative Agent on the Register pursuant to Section 13.15.

To the extent of any assignment pursuant to this Section 13.04(b), the assigning
Lender shall be relieved of its obligations hereunder with respect to its
assigned Commitments and outstanding Loans. At the time of each assignment
pursuant to this Section 13.04(b) to a Person which is not already a Lender
hereunder and which is not a United States person (as such term is defined in
Section 7701(a)(30) of the Code) for Federal income tax purposes, the respective
assignee Lender shall, to the extent legally entitled to do so, provide to the
Borrower the appropriate Internal Revenue Service Forms (and, if applicable, a
Section 4.04(b)(ii) Certificate) described in Section 4.04(b). To the extent
that an assignment of all or any portion of a Lender's Commitments and related
outstanding Obligations pursuant to Section 1.13 or this Section 13.04(b) would,
at the time of such assignment, result in increased costs under Section 1.10,
2.06 or 4.04 from those being charged by the respective assigning Lender prior
to such assignment, then the Borrower shall not be obligated to pay such
increased costs (although the Borrower, in accordance with and pursuant to the
other provisions of this Agreement, shall be obligated to pay any other
increased costs of the type described above resulting from changes after the
date of the respective assignment).

                                     -110-
<PAGE>
      (c) Nothing in this Agreement shall prevent or prohibit any Lender from
pledging its Loans and Notes hereunder to a Federal Reserve Bank in support of
borrowings made by such Lender from such Federal Reserve Bank and, with the
consent of the Administrative Agent, any Lender which is a fund may pledge all
or any portion of its Loans and Notes to its trustee in support of its
obligations to its trustee. No pledge pursuant to this clause (c) shall release
the transferor Lender from any of its obligations hereunder.

      13.05. No Waiver; Remedies Cumulative. No failure or delay on the part of
the Administrative Agent, the Collateral Agent, the Issuing Lender or any Lender
in exercising any right, power or privilege hereunder or under any other Credit
Document and no course of dealing between the Borrower or any other Credit Party
and the Administrative Agent, the Collateral Agent, the Issuing Lender or any
Lender shall operate as a waiver thereof; nor shall any single or partial
exercise of any right, power or privilege hereunder or under any other Credit
Document preclude any other or further exercise thereof or the exercise of any
other right, power or privilege hereunder or thereunder. The rights, powers and
remedies herein or in any other Credit Document expressly provided are
cumulative and not exclusive of any rights, powers or remedies which the
Administrative Agent, the Collateral Agent, the Issuing Lender or any Lender
would otherwise have. No notice to or demand on any Credit Party in any case
shall entitle any Credit Party to any other or further notice or demand in
similar or other circumstances or constitute a waiver of the rights of the
Administrative Agent, the Collateral Agent, the Issuing Lender or any Lender to
any other or further action in any circumstances without notice or demand.

      13.06. Payments Pro Rata.

      (a) Except as otherwise provided in this Agreement, the Administrative
Agent agrees that promptly after its receipt of each payment from or on behalf
of the Borrower in respect of any Obligations hereunder, it shall distribute
such payment to the Lenders (other than any Lender that has consented in writing
to waive its pro rata share of any such payment) pro rata based upon their
respective shares, if any, of the Obligations with respect to which such payment
was received.

      (b) Each of the Lenders agrees that, if it should receive any amount
hereunder (whether by voluntary payment, by realization upon security, by the
exercise of the right of setoff or banker's lien, by counterclaim or cross
action, by the enforcement of any right under the Credit Documents, or
otherwise), which is applicable to the payment of the principal of, or interest
on, the Loans, Unpaid Drawings, Commitment Fee or Letter of Credit Fees, of a
sum which with respect to the related sum or sums received by other Lenders is
in a greater proportion than the total of such Obligation then owed and due to
such Lender bears to the total of such Obligation then owed and due to all of
the Lenders immediately prior to such receipt, then such Lender receiving such
excess payment shall purchase for cash without recourse or warranty from the
other Lenders an interest in the Obligations of the respective Credit Party to
such Lenders in such amount as shall result in a proportional participation by
all the Lenders in such amount; provided that if all or any portion of such
excess amount is thereafter recovered from such Lenders, such purchase shall be
rescinded and the purchase price restored to the extent of such recovery, but
without interest.

                                     -111-
<PAGE>
      (c) Notwithstanding anything to the contrary contained herein, the
provisions of the preceding Sections 13.06(a) and (b) shall be subject to the
express provisions of this Agreement which require, or permit, differing
payments to be made to Non-Defaulting Lenders as opposed to Defaulting Lenders.

      13.07. Calculations; Computations; Accounting Terms.

      (a) The financial statements to be furnished to the Lenders pursuant
hereto shall be made and prepared in accordance with GAAP in the United States
consistently applied throughout the periods involved (except as set forth in the
notes thereto or as otherwise disclosed in writing by the Borrower to the
Lenders); provided that, except as otherwise specifically provided herein, all
computations of Excess Cash Flow, and all computations and all definitions used
in determining compliance with Sections 9.07 through 9.11, inclusive, shall
utilize accounting principles and policies in conformity with those used to
prepare the latest audited historical financial statements of the Borrower
referred to in Section 7.05(a).

      (b) If at any time any change in GAAP would affect the computation of any
financial ratio or requirement set forth in any Credit Document, and either the
Borrower or the Required Lenders shall so request, the Administrative Agent, the
Lenders and the Borrower shall negotiate in good faith to amend such ratio or
requirement to preserve the original intent thereof in light of such change in
GAAP (subject to the approval of the Required Lenders); provided that, until so
amended, (i) such ratio or requirement shall continue to be computed in
accordance with GAAP prior to such change therein and (ii) the Borrower shall
provide to the Administrative Agent and the Lenders financial statements and
other documents required hereunder setting forth a reconciliation between
calculations of such ratio or requirement made before and after giving effect to
such change in GAAP.

      (c) All computations of interest, Commitment Fee and other Fees hereunder
shall be made on the basis of a year of 360 days for the actual number of days
(including the first day but excluding the last day; except that in the case of
Letter of Credit Fees, the last day shall be included) occurring in the period
for which such interest, Commitment Fee or other Fees are payable; provided that
interest in respect of Base Rate Loans determined by reference to the prime rate
shall be made on the basis of a year of 365 or 366 days, as the case may be, for
the actual number of days occurring in the period for which such interest is
payable.

      13.08. GOVERNING LAW; SUBMISSION TO JURISDICTION; VENUE; WAIVER OF JURY
TRIAL.

      (a) THIS AGREEMENT AND THE OTHER CREDIT DOCUMENTS AND THE RIGHTS AND
OBLIGATIONS OF THE PARTIES HEREUNDER AND THEREUNDER SHALL BE CONSTRUED IN
ACCORDANCE WITH AND BE GOVERNED BY THE LAW OF THE STATE OF ILLINOIS. ANY LEGAL
ACTION OR PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY OTHER CREDIT DOCUMENT
MAY BE BROUGHT IN THE COURTS OF THE STATE OF ILLINOIS, OR OF THE UNITED STATES
FOR THE NORTHERN DISTRICT OF ILLINOIS. IN EACH CASE WHICH ARE LOCATED IN THE
CITY OF CHICAGO, AND, BY EXECUTION AND DELIVERY OF THIS AGREEMENT OR ANY OTHER
CREDIT DOCUMENT, THE BORROWER HEREBY IRREVOCABLY

                                     -112-
<PAGE>
ACCEPTS FOR ITSELF AND IN RESPECT OF ITS PROPERTY, GENERALLY AND
UNCONDITIONALLY, THE JURISDICTION OF THE AFORESAID COURTS.

      (b) THE BORROWER HEREBY FURTHER IRREVOCABLY WAIVES ANY CLAIM THAT ANY SUCH
COURTS LACK PERSONAL JURISDICTION OVER THE BORROWER, AND AGREES NOT TO PLEAD OR
CLAIM, IN ANY LEGAL ACTION PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY
OTHER CREDIT DOCUMENTS BROUGHT IN ANY OF THE AFOREMENTIONED COURTS, THAT SUCH
COURTS LACK PERSONAL JURISDICTION OVER THE BORROWER. THE BORROWER FURTHER
IRREVOCABLY CONSENTS TO THE SERVICE OF PROCESS OUT OF ANY OF THE AFOREMENTIONED
COURTS IN ANY SUCH ACTION OR PROCEEDING BY THE MAILING OF COPIES THEREOF BY
REGISTERED OR CERTIFIED MAIL, POSTAGE PREPAID, TO THE BORROWER AT ITS ADDRESS
SET FORTH OPPOSITE ITS SIGNATURE BELOW, SUCH SERVICE TO BECOME EFFECTIVE 30 DAYS
AFTER SUCH MAILING. THE BORROWER HEREBY IRREVOCABLY WAIVES ANY OBJECTION TO SUCH
SERVICE OF PROCESS AND FURTHER IRREVOCABLY WAIVES AND AGREES NOT TO PLEAD OR
CLAIM IN ANY ACTION OR PROCEEDING COMMENCED HEREUNDER OR UNDER ANY OTHER CREDIT
DOCUMENT THAT SERVICE OF PROCESS WAS IN ANY WAY INVALID OR INEFFECTIVE. NOTHING
HEREIN SHALL AFFECT THE RIGHT OF THE ADMINISTRATIVE AGENT, ANY LENDER OR THE
HOLDER OF ANY NOTE TO SERVE PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR TO
COMMENCE LEGAL PROCEEDINGS OR OTHERWISE PROCEED AGAINST THE BORROWER IN ANY
OTHER JURISDICTION.

      (c) THE BORROWER HEREBY IRREVOCABLY WAIVES ANY OBJECTION WHICH IT MAY NOW
OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY OF THE AFORESAID ACTIONS OR
PROCEEDINGS ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR ANY OTHER
CREDIT DOCUMENT BROUGHT IN THE COURTS REFERRED TO IN CLAUSE (a) ABOVE AND HEREBY
FURTHER IRREVOCABLY, TO THE EXTENT PERMITTED BY APPLICABLE LAW, WAIVES AND
AGREES NOT TO PLEAD OR CLAIM IN ANY SUCH COURT THAT ANY SUCH ACTION OR
PROCEEDING BROUGHT IN ANY SUCH COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM.

      (d) EACH OF THE PARTIES TO THIS AGREEMENT HEREBY IRREVOCABLY WAIVES ALL
RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT
OF OR RELATING TO THIS AGREEMENT, THE OTHER CREDIT DOCUMENTS OR THE TRANSACTIONS
CONTEMPLATED HEREBY OR THEREBY.

      13.09. Counterparts. This Agreement may be executed in any number of
counterparts and by the different parties hereto on separate counterparts, each
of which when so executed and delivered shall be an original, but all of which
shall together constitute one and the same instrument. A set of counterparts
executed by all the parties hereto shall be lodged with the Borrower and the
Administrative Agent.

                                     -113-
<PAGE>
      13.10. Effectiveness. This Agreement shall become effective on the date
(the "Effective Date") on which the Borrower, the Administrative Agent and each
of the Lenders shall have signed a counterpart hereof (whether the same or
different counterparts) and shall have delivered the same to the Administrative
Agent at the Notice Office or, in the case of the Lenders, shall have given to
the Administrative Agent telephonic (confirmed in writing), written or telex
notice (actually received) at such office that the same has been signed and
mailed to it. The Administrative Agent will give the Borrower and each Lender
prompt written notice of the occurrence of the Effective Date.

      13.11. Headings Descriptive. The headings of the several sections and
subsections of this Agreement are inserted for convenience only and shall not in
any way affect the meaning or construction of any provision of this Agreement.

      13.12. Amendment or Waiver; etc.

      (a) Neither this Agreement nor any other Credit Document nor any terms
hereof or thereof may be amended, changed, waived, discharged or terminated
unless such amendment, change, waiver, discharge or termination is in writing
signed by the respective Credit Parties party thereto and the Required Lenders,
provided that no such amendment, change, waiver, discharge or termination shall,
without the consent of each Lender (other than a Defaulting Lender) (with
Obligations being directly affected in the case of following clause (i)):

            (i) extend the final scheduled maturity of any Loan or Note or
      extend the stated expiration date of any Letter of Credit beyond the
      Revolving Loan Maturity Date, or reduce the rate or extend the time of
      payment of interest or Fees thereon (except in connection with the waiver
      of applicability of any post-default increase in interest rates), or
      reduce the principal amount thereof (it being understood that any
      amendment or modification to the financial definitions in this Agreement
      or to Section 13.07 shall not constitute a reduction in the rate of
      interest or Fees for the purposes of this clause (i)),

            (ii) release all or substantially all of the Collateral (except as
      expressly provided in the Credit Documents) under all the Security
      Documents or release all or substantially all of the Subsidiary
      Guarantors,

            (iii) amend, modify or waive any provision of this Section 13.12
      (except for technical amendments with respect to additional extensions of
      credit pursuant to this Agreement which afford the protections to such
      additional extensions of credit of the type provided to the Term Loans and
      the Revolving Loan Commitments on the Effective Date),

            (iv) reduce the percentage specified in the definition of Required
      Lenders (it being understood that, with the consent of the Required
      Lenders, additional extensions of credit pursuant to this Agreement may be
      included in the determination of the Required Lenders on substantially the
      same basis as the extensions of Term Loans and Revolving Loan Commitments
      are included on the Effective Date), or

                                     -114-
<PAGE>
            (v) consent to the assignment or transfer by the Borrower of any of
      its rights and obligations under this Agreement;

provided further, that no such amendment, change, waiver, discharge or
termination shall:

      (1) increase the Commitments of any Lender over the amount thereof then in
effect without the consent of such Lender (it being understood that waivers or
modifications of conditions precedent, covenants, Defaults or Events of Default
or of a mandatory reduction in the Total Commitment shall not constitute an
increase of the Commitment of any Lender, and that an increase in the available
portion of any Commitment of any Lender shall not constitute an increase of the
Commitment of such Lender),

      (2) affect the rights or duties of the Administrative Agent, the
Collateral Agent, the Issuing Lender or the Swingline Lender hereunder or under
any other Credit Document, without the prior written consent of the
Administrative Agent, the Collateral Agent, the Issuing Lender or the Swingline
Lender, as the case may be,

      (3) (i) amend, change, modify or waive Section 4.02(a) or (ii) have the
effect (either immediately) or at some later time) of enabling the Borrower to
satisfy a condition precedent to the making of a Revolving Loan or Swingline
Loan or the issuance of a Letter of Credit, unless such amendment, modification
or waiver shall have been consented to by the holders of more than 50% of the
aggregate principal amount of the Revolving Loan Commitments, or

      (4) amend, change, modify or waive the provisions of Section 4.02(h), or
adversely affect the rights of Lenders participating in any Tranche different
from those of the Lenders participating in other Tranches, unless, in any such
case, such amendment, modification or waiver shall have been consented to by the
holders of (in Dollars) more than 50% of the aggregate amount of Loans
outstanding under the Tranche or Tranches affected by such modification, or, in
the case of a modification affecting the Revolving Loan Commitments, the Lenders
holding more than 50% of the aggregate principal amount of Revolving Loan
Commitments (it being agreed and understood that modifications which affect all
Lenders ratably shall not be considered hereunder as affecting Lenders of any
Tranche differently).

      (b) If, in connection with any proposed change, waiver, discharge or
termination to any of the provisions of this Agreement as contemplated by
clauses (i) through (v), inclusive, of the first proviso to Section 13.12(a),
the consent of the Required Lenders is obtained but the consent of one or more
of such other Lenders whose consent is required is not obtained, then the
Borrower shall have the right, so long as all non-consenting Lenders whose
individual consent is required are treated as described in either clauses (A) or
(B) below, to either (A) replace each such non-consenting Lender or Lenders with
one or more Replacement Lenders pursuant to Section 1.13 so long as at the time
of such replacement, each of such Replacement Lenders consents to the proposed
change, waiver, discharge or termination or (B) terminate such non-consenting
Lender's Commitments and/or repay each Tranche of outstanding Loans of such
Lender in accordance with Sections 3.02(b) and/or 4.01(b), provided that, unless
the Commitments that are terminated, and Loans repaid, pursuant to preceding
clause (B) are immediately replaced in full at such time through the addition of
new Lenders or the increase of the Commitments and/or outstanding Loans of
existing Lenders (who in each case must

                                     -115-
<PAGE>
specifically consent thereto), then in the case of any action pursuant to
preceding clause (B) the Required Lenders (determined after giving effect to the
proposed action) shall specifically consent thereto, provided further, that in
any event the Borrower shall not have the right to replace a Lender, terminate
its Commitments or repay its Loans solely as a result of the exercise of such
Lender's rights (and the withholding of any required consent by such Lender)
pursuant to the second proviso to Section 13.12(a).

      13.13. Survival. All indemnities set forth herein including, without
limitation, in Sections 1.10, 1.11, 2.06, 4.04, 12.06 and 13.01 shall survive
the execution, delivery and termination of this Agreement and the Notes and the
making and repayment of the Obligations.

      13.14. Domicile of Loans. Each Lender may transfer and carry its Loans at,
to or for the account of any office, Subsidiary or Affiliate of such Lender.
Notwithstanding anything to the contrary contained herein, to the extent that a
transfer of Loans pursuant to this Section 13.14 would, at the time of such
transfer, result in increased costs under Section 1.10, 1.11, 2.06 or 4.04 from
those being charged by the respective Lender prior to such transfer, then the
Borrower shall not be obligated to pay such increased costs (although the
Borrower shall be obligated to pay any other increased costs of the type
described above resulting from changes after the date of the respective
transfer).

      13.15. Register. The Borrower hereby designates the Administrative Agent
to serve as the Borrower's agent, solely for purposes of this Section 13.15, to
maintain a register (the "Register") on which it will record the Commitments
from time to time of each of the Lenders, the Loans made by each of the Lenders
and each repayment in respect of the principal amount of the Loans of each
Lender. Failure to make any such recordation, or any error in such recordation,
shall not affect the Borrower's obligations in respect of such Loans. With
respect to any Lender, the transfer of the Commitments of such Lender and the
rights to the principal of, and interest on, any Loan made pursuant to such
Commitments shall not be effective until such transfer is recorded on the
Register maintained by the Administrative Agent with respect to ownership of
such Commitments and Loans and prior to such recordation all amounts owing to
the transferor with respect to such Commitments and Loans shall remain owing to
the transferor. The registration of assignment or transfer of all or part of any
Commitments and Loans shall be recorded by the Administrative Agent on the
Register only upon the acceptance by the Administrative Agent of a properly
executed and delivered Assignment and Assumption Agreement pursuant to Section
13.04(b). Coincident with the delivery of such an Assignment and Assumption
Agreement to the Administrative Agent for acceptance and registration of
assignment or transfer of all or part of a Loan, or as soon thereafter as
practicable, the assigning or transferor Lender shall surrender the Note (if
any) evidencing such Loan, and thereupon one or more new Notes in the same
aggregate principal amount shall be issued to the assigning or transferor Lender
and/or the new Lender at the request of any such Lender. The Borrower agrees to
indemnify the Administrative Agent from and against any and all losses, claims,
damages and liabilities of whatsoever nature which may be imposed on, asserted
against or incurred by the Administrative Agent in performing its duties under
this Section 13.15.

      13.16. Confidentiality.

                                     -116-
<PAGE>
      (a) Subject to the provisions of clause (b) of this Section 13.16, each
Lender agrees that it will use its reasonable efforts not to disclose without
the prior consent of the Borrower (other than to its employees, auditors,
advisors or counsel or to another Lender if such Lender or such Lender's holding
or parent company in its sole discretion determines that any such party should
have access to such information, provided such Persons shall be subject to the
provisions of this Section 13.16 to the same extent as such Lender) any
information with respect to the Borrower or any of its Subsidiaries which is now
or in the future furnished pursuant to this Agreement or any other Credit
Document and which is designated by the Borrower to the Lenders in writing as
confidential, provided that any Lender may disclose any such information (i) as
has become generally available to the public other than by virtue of a breach of
this Section 13.16(a) by the respective Lender, (ii) as may be required or
appropriate in any report, statement or testimony submitted to any municipal,
state or Federal regulatory body having or claiming to have jurisdiction over
such Lender or to the Federal Reserve Board or the Federal Deposit Insurance
Corporation or similar organizations (whether in the United States or elsewhere)
or their successors, (iii) as may be required or appropriate in respect to any
summons or subpoena or in connection with any litigation, (iv) in order to
comply with any law, order, regulation or ruling applicable to such Lender, (v)
to the Administrative Agent or the Collateral Agent and (vi) to any prospective
or actual transferee or participant in connection with any contemplated transfer
or participation of any of the Notes or Commitments or any interest therein by
such Lender, provided that such prospective transferee agrees to be bound by the
confidentiality provisions contained in this Section 13.16.

      (b) The Borrower hereby acknowledges and agrees that each Lender may share
with any of its affiliates, and such affiliates may share with such Lender any
information related to the Borrower or any of its Subsidiaries (including,
without limitation, any non-public customer information regarding the
creditworthiness of the Borrower and its Subsidiaries), provided such Persons
shall be subject to the provisions of this Section 13.16 to the same extent as
such Lender.

      13.17. Certain Agreements with respect to the Senior Subordinated Notes.

      (a) The Borrower hereby (A) represents and warrants that (i) $95,000,000
of Term Loans may be incurred under this Agreement on the Initial Borrowing Date
in reliance on the proviso to Section 4.12 of the Senior Subordinated Note
Indenture, and (ii) $20,000,000 of Revolving Loans, Swingline Loans and Letters
of Credit in the aggregate incurred pursuant to the Total Revolving Loan
Commitment as in effect on the Initial Borrowing Date may be incurred and
outstanding from time to time in reliance on clause (ii) of the definition of
"Permitted Indebtedness" contained in the Senior Subordinated Note Indenture and
(B) agrees that it will not take any position contrary to the representations
and warranties set forth in preceding clause (A).

      (b) The Borrower hereby represents and warrants that this Agreement
constitutes the "Credit Facility" under, and as defined in, the Senior
Subordinated Note Indenture.

                                      * * *

                                      -117-
<PAGE>
      IN WITNESS WHEREOF, the parties hereto have caused their duly authorized
officers to execute and deliver this Agreement as of the date first above
written.

Address:

5711 South 86th Circle                  INFOUSA INC.
Omaha, Nebraska  68127
Attn:  Chief Financial Officer
Telephone No.:  (402) 593-4500          By:
Telecopier No.:  (402) 331-1505            -------------------------------------
                                        Title:
                                              ----------------------------------

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        BANK OF AMERICA, N.A.,
                                        individually

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

                                        BANK OF AMERICA, N.A.,
                                        as Administrative Agent

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        U.S. BANK, N.A., individually and as
                                        Syndication Agent

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        WELLS FARGO BANK, NATIONAL
                                        ASSOCIATION

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        FIRST NATIONAL BANK OF OMAHA

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        KZH CYPRESSTREE-1 LLC

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        KZH STERLING LLC

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        KZH ING-2 LLC

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        FIRST ALLMERICA FINANCIAL LIFE
                                        INSURANCE COMPANY

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                        MORGAN STANLEY PRIME
                                        INCOME TRUST

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

                                 Signature Page
                                       to
                                Credit Agreement
<PAGE>
                                   SCHEDULE I
                                   COMMITMENTS

<TABLE>
<CAPTION>
                                   TRANCHE A        TRANCHE B        REVOLVING
                                   TERM LOAN        TERM LOAN           LOAN
LENDER                             COMMITMENT       COMMITMENT       COMMITMENT
------                             ----------       ----------       ----------
<S>                              <C>              <C>              <C>
Bank of America, N.A             $18,076,923.08   $29,000,000.00   $ 6,923,076.92
U.S. Bank, N.A                   $14,461,538.46         --         $ 5,538,461.54
Wells Fargo Bank, National       $ 7,230,769.23         --         $ 2,769,230.77
  Association
First National Bank of Omaha     $ 7,230,769.23         --         $ 2,769,230.77
Morgan Stanley Prime Income            --         $ 5,000,000.00         --
  Trust
KZH ING-2 LLC                          --         $ 4,000,000.00         --
KZH CypressTree-1 LLC                  --         $ 4,000,000.00         --
KZH STERLING LLC                       --         $ 2,000,000.00         --
First Allmerica Financial Life         --         $ 1,000,000.00         --
  Insurance Company
TOTAL:                           $47,000,000.00   $45,000,000.00   $18,000,000.00
</TABLE>
<PAGE>
                                   SCHEDULE II
                                LENDER ADDRESSES

<TABLE>
<CAPTION>
Lender                                    Address
------                                    -------
<S>                                       <C>
Bank of America, N.A.                     231 South LaSalle Street
                                          Chicago, Illinois 60697
                                          Attn: David Johanson
                                          Tel. No.: (312) 828-7933
                                          Fax No.: (312) 974-9102

U.S. Bank, N.A.                           1800 West Center Road
                                          Omaha, Nebraska
                                          Attn: Kevin D. Munro
                                          Tel. No.: (402) 399-2729
                                          Fax No.: (402) 399-2778

Wells Fargo Bank, National Association    Sixth & Marquette
                                          MAC:  N9305-051
                                          Minneapolis, Minnesota 55479
                                          Attn: Joseph G. Colianni
                                          Tel. No.: (612) 667-0094
                                          Fax No.: (612) 667-7266

First National Bank of Omaha              1620 Dodge Street
                                          MS 1050
                                          Omaha, Nebraska 68197
                                          Attn: Jeff Sims
                                          Tel. No.: (402) 633-3511
                                          Fax No.: (402) 633-3519

Morgan Stanley Prime Income Trust         1221 Avenue of the Americas
                                          22nd Floor Conf. Rm. 6
                                          New York, New York 10020
                                          Attn:  Jinny Kim
                                          Tel. No.: (212) 762-4758
                                          Fax No.: (212) 762-7428

KZH ING-2 LLC                             c/o The Chase Manhattan Bank
                                          140 East 45th Street, 11th Floor
                                          New York, New York 10017
                                          Attn:  Virginia Conway
                                          Tel. No.: (212) 622-9353
                                          Fax No.: (212) 622-0123
</TABLE>
<PAGE>
<TABLE>
<S>                                       <C>
Copies To:                                Weil, Gotschal & Manges LLP
                                          767 Fifth Avenue, 34th Floor
                                          New York, New York 10153
                                          Attn:  Shan D. McSweeney
                                          Tel. No.: (212) 310-6857
                                          Fax No.: (212) 833-3575

KZH CypressTree-1 LLC                     c/o The Chase Manhattan Bank
                                          140 East 45th Street, 11th Floor
                                          New York, New York 10017
                                          Attn:  Virginia Conway
                                          Tel. No.: (212) 622-9353
                                          Fax No.: (212) 622-0123

Copies To:                                Weil, Gotschal & Manges LLP
                                          767 Fifth Avenue, 34th Floor
                                          New York, New York 10153
                                          Attn:  Shan D. McSweeney
                                          Tel. No.: (212) 310-6857
                                          Fax No.: (212) 833-3575

KZH STERLING LLC                          c/o The Chase Manhattan Bank
                                          140 East 45th Street, 11th Floor
                                          New York, New York 10017
                                          Attn:  Virginia Conway
                                          Tel. No.: (212) 622-9353
                                          Fax No.: (212) 622-0123

Copies To:                                Weil, Gotschal & Manges LLP
                                          767 Fifth Avenue, 34th Floor
                                          New York, New York 10153
                                          Attn:  Shan D. McSweeney
                                          Tel. No.: (212) 310-6857
                                          Fax No.: (212) 833-3575

First Allmerica Financial Life            8 Faneuil Hall Marketplace
Insurance Company                         North Market Building, 4th Floor
                                          Boston, Massachusetts 02109
                                          Attn:  Jeff Megar
                                          Tel. No.: (617) 646-0653
                                          Fax No.: (617) 646-0647
</TABLE><PAGE>
                                                                     EXHIBIT 4.9

                                PLEDGE AGREEMENT

            PLEDGE AGREEMENT (as amended, modified or supplemented from time to
time, this "Agreement"), dated as of March 6, 2002, made by each of the
undersigned pledgors (each a "Pledgor" and, together with any other entity that
becomes a pledgor hereunder pursuant to Section 25 hereof, the "Pledgors") to
BANK OF AMERICA, N.A., as Collateral Agent together with any successor
Collateral Agent (the "Pledgee"), for the benefit of the Secured Creditors (as
defined below). Except as otherwise defined herein, capitalized terms used
herein and defined in the Credit Agreement (as defined below) shall be used
herein as therein defined.

                              W I T N E S S E T H:

            WHEREAS, infoUSA Inc. (the "Borrower"), the lenders from time to
time party thereto (the "Lenders"), and Bank of America, N.A., as Administrative
Agent (together with any successor Administrative Agent, the "Administrative
Agent"), have entered into a Credit Agreement, dated as of March 6, 2002 (as
amended, modified or supplemented from time to time, the "Credit Agreement"),
providing for the making of Loans to, and the issuance of Letters of Credit for
the account of, the Borrower as contemplated therein (the Lenders, the
Administrative Agent, the Issuing Lender and the Pledgee are herein called the
"Lender Creditors");

            WHEREAS, the Borrower may at any time and from time to time enter
into one or more Interest Rate Protection Agreements or Other Hedging Agreements
with one or more Lenders or any affiliate thereof (each such Lender or
affiliate, even if the respective Lender subsequently ceases to be a Lender
under the Credit Agreement for any reason, together with such Lender's or
affiliate's successors and assigns, if any, collectively, the "Other Creditors,"
and together with the Lender Creditors, the "Secured Creditors");

            WHEREAS, pursuant to the Subsidiaries Guaranty, each Subsidiary
Guarantor has jointly and severally guaranteed to the Secured Creditors the
payment when due of all Guaranteed Obligations as described therein;

            WHEREAS, it is a condition to the making of Loans to, and the
issuance of Letters of Credit for the account of, the Borrower under the Credit
Agreement that each Pledgor shall have executed and delivered to the Pledgee
this Agreement; and

            WHEREAS, each Pledgor desires to enter into this Agreement in order
to satisfy the condition described in the preceding paragraph;

            NOW, THEREFORE, in consideration of the foregoing and other benefits
accruing to each Pledgor, the receipt and sufficiency of which are hereby
acknowledged, each Pledgor
<PAGE>
hereby makes the following representations and warranties to the Pledgee for the
benefit of the Secured Creditors and hereby covenants and agrees with the
Pledgee for the benefit of the Secured Creditors as follows:

            1. SECURITY FOR OBLIGATIONS. This Agreement is made by each Pledgor
for the benefit of the Secured Creditors to secure:

            (i) the full and prompt payment when due (whether at the stated
      maturity, by acceleration or otherwise) of all obligations and
      indebtedness (including, without limitation, indemnities, Fees and
      interest thereon) of such Pledgor to the Lender Creditors, whether now
      existing or hereafter incurred under, arising out of, or in connection
      with the Credit Agreement and the other Credit Documents to which such
      Pledgor is a party (including, in the case of each Pledgor which is a
      Subsidiary Guarantor, all such obligations and indebtedness of such
      Pledgor under the Subsidiaries Guaranty) and the due performance and
      compliance by such Pledgor with all of the terms, conditions and
      agreements contained in the Credit Agreement and in such other Credit
      Documents (all such obligations and liabilities under this clause (i),
      except to the extent consisting of obligations or indebtedness with
      respect to Interest Rate Protection Agreements or Other Hedging
      Agreements, being herein collectively called the "Credit Document
      Obligations");

            (ii) the full and prompt payment when due (whether at the stated
      maturity, by acceleration or otherwise) of all obligations and liabilities
      owing by such Pledgor to the Other Creditors under, or with respect to
      (including, in the case of each Pledgor which is a Subsidiary Guarantor,
      by reason of the Subsidiaries Guaranty), any Interest Rate Protection
      Agreement or Other Hedging Agreement, whether such Interest Rate
      Protection Agreement or Other Hedging Agreement is now in existence or
      hereafter arising, and the due performance and compliance by such Pledgor
      with all of the terms, conditions and agreements contained therein (all
      such obligations and liabilities described in this clause (ii) being
      herein collectively called the "Other Obligations");

            (iii) any and all sums advanced by the Pledgee in order to preserve
      the Collateral (as hereinafter defined) or preserve its security interest
      in the Collateral;

            (iv) in the event of any proceeding for the collection or
      enforcement of any indebtedness, obligations or liabilities of such
      Pledgor referred to in clauses (i) and (ii) above, after an Event of
      Default (which term to mean and include any Event of Default under, and as
      defined in, the Credit Agreement or any payment default by the Borrower
      under any Interest Rate Protection Agreement or Other Hedging Agreement
      and shall, in any event, include, without limitation, any payment default
      on any of the Obligations (as hereinafter defined)) shall have occurred
      and be continuing, the reasonable expenses of retaking, holding, preparing
      for sale or lease, selling or otherwise disposing of or realizing on the
      Collateral, or of any exercise by the Pledgee of its rights hereunder,
      together with reasonable attorneys' fees and court costs; and

                                      -2-
<PAGE>
            (v) all amounts paid by any Secured Creditor as to which such
      Secured Creditor has the right to reimbursement under Section 11 of this
      Agreement;

all such obligations, liabilities, sums and expenses set forth in clauses (i)
through (v) of this Section 1 being herein collectively called the
"Obligations," it being acknowledged and agreed that the "Obligations" shall
include extensions of credit of the types described above, whether outstanding
on the date of this Agreement or extended from time to time after the date of
this Agreement.

            2. DEFINITIONS.

            (a) Unless otherwise defined herein, all capitalized terms used
herein and defined in the Credit Agreement shall be used herein as therein
defined. Reference to singular terms shall include the plural and vice versa.

            (b) The following capitalized terms used herein shall have the
definitions specified below:

            "Administrative Agent" has the meaning set forth in the Recitals
hereto.

            "Adverse Claim" has the meaning given such term in Section
8-102(a)(1) of the UCC.

            "Agreement" has the meaning set forth in the first paragraph hereof.

            "Certificated Security" has the meaning given such term in Section
8-102(a)(4) of the UCC.

            "Class" has the meaning set forth in Section 22 hereof.

            "Clearing Corporation" has the meaning given such term in Section
8-102(a)(5) of the UCC.

            "Collateral" has the meaning set forth in Section 3.1 hereof.

            "Collateral Accounts" means any and all accounts established and
maintained by the Pledgee in the name of any Pledgor to which Collateral may be
credited.

            "Credit Agreement" has the meaning set forth in the Recitals hereto.

            "Credit Document Obligations" has the meaning set forth in Section 1
hereof.

            "Domestic Corporation" has the meaning set forth in the definition
of "Stock."

            "Event of Default" has the meaning set forth in Section 1 hereof.

            "Financial Asset" has the meaning given such term in Section
8-102(a)(9) of the UCC.

                                      -3-
<PAGE>
            "Foreign Corporation" has the meaning set forth in the definition of
"Stock."

            "Indemnitees" has the meaning set forth in Section 11 hereof.

            "Instrument" has the meaning given such term in Section 9-102(a)(47)
of the UCC.

            "Investment Property" has the meaning given such term in Section
9-102(a)(49) of the UCC.

            "Lender Creditors" has the meaning set forth in the Recitals hereto.

            "Lenders" has the meaning set forth in the Recitals hereto.

            "Limited Liability Company Assets" means all assets, whether
tangible or intangible and whether real, personal or mixed (including, without
limitation, all limited liability company capital and interest in other limited
liability companies), at any time owned or represented by any Limited Liability
Company Interest.

            "Limited Liability Company Interests" means the entire limited
liability company membership interest at any time owned by any Pledgor in any
limited liability company.

            "Non-Voting Stock" means all capital stock which is not Voting
Stock.

            "Notes" means all promissory notes from time to time issued to, or
held by, each Pledgor (including each Intercompany Note).

            "Obligations" has the meaning set forth in Section 1 hereof.

            "Other Creditors" has the meaning set forth in the Recitals hereto.

            "Other Obligations" has the meaning set forth in Section 1 hereof.

            "Partnership Assets" means all assets, whether tangible or
intangible and whether real, personal or mixed (including, without limitation,
all partnership capital and interest in other partnerships), at any time owned
or represented by any Partnership Interest.

            "Partnership Interest" means the entire general partnership interest
or limited partnership interest at any time owned by any Pledgor in any general
partnership or limited partnership.

            "Pledged Notes" has the meaning set forth in Section 3.5 hereof.

            "Pledgee" has the meaning set forth in the first paragraph hereof.

            "Pledgor" has the meaning set forth in the first paragraph hereof.

            "Proceeds" has the meaning given such term in Section 9-102(a)(64)
of the UCC.

                                      -4-
<PAGE>
            "Required Lenders" has the meaning given such term in the Credit
Agreement.

            "Requisite Creditors" has the meaning set forth in Section 22
hereof.

            "Secured Creditors" has the meaning set forth in the Recitals
hereto.

            "Secured Debt Agreements" has the meaning set forth in Section 5
hereof.

            "Securities Account" has the meaning given such term in Section
8-501(a) of the UCC.

            "Securities Act" means the Securities Act of 1933, as amended, as in
effect from time to time.

            "Security" and "Securities" has the meaning given such term in
Section 8-102(a)(15) of the UCC and shall in any event also include all Stock
and all Notes.

            "Security Entitlement" has the meaning given such term in Section
8-102(a)(17) of the UCC.

            "Stock" means (x) with respect to corporations incorporated under
the laws of the United States or any State or territory thereof (each a
"Domestic Corporation"), all of the issued and outstanding shares of capital
stock of any corporation at any time owned by any Pledgor of any Domestic
Corporation and (y) with respect to corporations not Domestic Corporations (each
a "Foreign Corporation"), all of the issued and outstanding shares of capital
stock at any time owned by any Pledgor of any Foreign Corporation.

            "Termination Date" has the meaning set forth in Section 20 hereof.

            "UCC" means the Uniform Commercial Code as in effect in the State of
Illinois from time to time; provided that all references herein to specific
sections or subsections of the UCC are references to such sections or
subsections, as the case may be, of the Uniform Commercial Code as in effect in
the State of Illinois on the date hereof.

            "Uncertificated Security" has the meaning given such term in Section
8-102(a)(18) of the UCC.

            "Voting Stock" means all classes of capital stock of any Foreign
Corporation entitled to vote.

            3. PLEDGE OF SECURITIES, ETC.

            3.1 Pledge. To secure the Obligations now or hereafter owed or to be
performed by such Pledgor, each Pledgor does hereby grant, pledge and assign to
the Pledgee for the benefit of the Secured Creditors, and does hereby create a
continuing security interest in favor of the Pledgee for the benefit of the
Secured Creditors in, all of the right, title and interest in and to the

                                      -5-
<PAGE>
following, whether now existing or hereafter from time to time acquired
(collectively, the "Collateral"):

            (a) each of the Collateral Accounts, including any and all assets of
whatever type or kind deposited by such Pledgor in such Collateral Account,
whether now owned or hereafter acquired, existing or arising, including, without
limitation, all Financial Assets, Investment Property, moneys, checks, drafts,
Instruments, Securities or interests therein of any type or nature deposited or
required by the Credit Agreement or any other Secured Debt Agreement to be
deposited in such Collateral Account, and all investments and all certificates
and other Instruments (including depository receipts, if any) from time to time
representing or evidencing the same, and all dividends, interest, distributions,
cash and other property from time to time received, receivable or otherwise
distributed in respect of or in exchange for any or all of the foregoing;

            (b) all Securities owned by such Pledgor from time to time and all
options or warrants owned by such Pledgor from time to time to purchase
Securities;

            (c) all Limited Liability Company Interests owned by such Pledgor
from time to time and all of its right, title and interest in each limited
liability company to which each such interest relates, whether now existing or
hereafter acquired, including, without limitation:

                  (A) all the capital thereof and its interest in all profits,
            losses, Limited Liability Company Assets and other distributions to
            which such Pledgor shall at any time be entitled in respect of such
            Limited Liability Company Interests;

                  (B) all other payments due or to become due to such Pledgor in
            respect of Limited Liability Company Interests, whether under any
            limited liability company agreement or otherwise, whether as
            contractual obligations, damages, insurance proceeds or otherwise;

                  (C) all of its claims, rights, powers, privileges, authority,
            options, security interests, liens and remedies, if any, under any
            limited liability company agreement or operating agreement, or at
            law or otherwise in respect of such Limited Liability Company
            Interests;

                  (D) all present and future claims, if any, of such Pledgor
            against any such limited liability company for moneys loaned or
            advanced, for services rendered or otherwise;

                  (E) all of such Pledgor's rights under any limited liability
            company agreement or operating agreement or at law to exercise and
            enforce every right, power, remedy, authority, option and privilege
            of such Pledgor relating to such Limited Liability Company
            Interests, including any power to terminate, cancel or modify any
            limited liability company agreement or operating agreement, to
            execute any instruments and to take any and all other action on
            behalf of and in the name of any of such Pledgor in respect of such
            Limited Liability Company Interests and

                                      -6-
<PAGE>
            any such limited liability company, to make determinations, to
            exercise any election (including, but not limited to, election of
            remedies) or option or to give or receive any notice, consent,
            amendment, waiver or approval, together with full power and
            authority to demand, receive, enforce, collect or receipt for any of
            the foregoing or for any Limited Liability Company Asset, to enforce
            or execute any checks, or other instruments or orders, to file any
            claims and to take any action in connection with any of the
            foregoing; and

                  (F) all other property hereafter delivered in substitution for
            or in addition to any of the foregoing, all certificates and
            instruments representing or evidencing such other property and all
            cash, securities, interest, dividends, rights and other property at
            any time and from time to time received, receivable or otherwise
            distributed in respect of or in exchange for any or all thereof;

            (d) all Partnership Interests owned by such Pledgor from time to
time and all of its right, title and interest in each partnership to which each
such interest relates, whether now existing or hereafter acquired, including,
without limitation:

                  (A) all the capital thereof and its interest in all profits,
            losses, Partnership Assets and other distributions to which such
            Pledgor shall at any time be entitled in respect of such Partnership
            Interests;

                  (B) all other payments due or to become due to such Pledgor in
            respect of Partnership Interests, whether under any partnership
            agreement or otherwise, whether as contractual obligations, damages,
            insurance proceeds or otherwise;

                  (C) all of its claims, rights, powers, privileges, authority,
            options, security interests, liens and remedies, if any, under any
            partnership agreement or operating agreement, or at law or otherwise
            in respect of such Partnership Interests;

                  (D) all present and future claims, if any, of such Pledgor
            against any such partnership for moneys loaned or advanced, for
            services rendered or otherwise;

                  (E) all of such Pledgor's rights under any partnership
            agreement or operating agreement or at law to exercise and enforce
            every right, power, remedy, authority, option and privilege of such
            Pledgor relating to such Partnership Interests, including any power
            to terminate, cancel or modify any partnership agreement or
            operating agreement, to execute any instruments and to take any and
            all other action on behalf of and in the name of any of such Pledgor
            in respect of such Partnership Interests and any such partnership,
            to make determinations, to exercise any election (including, but not
            limited to, election of remedies) or option or to give or receive
            any notice, consent, amendment, waiver or approval, together with
            full power and authority to demand, receive, enforce, collect or
            receipt for any of the foregoing or for any Partnership Asset, to
            enforce or execute any checks, or other instruments or orders, to
            file any claims and to take any action in connection with any of the
            foregoing and

                                      -7-
<PAGE>
                  (F) all other property hereafter delivered in substitution for
            or in addition to any of the foregoing, all certificates and
            instruments representing or evidencing such other property and all
            cash, securities, interest, dividends, rights and other property at
            any time and from time to time received, receivable or otherwise
            distributed in respect of or in exchange for any or all thereof;

            (e) all Security Entitlements owned by such Pledgor from time to
time in any and all of the foregoing;

            (f) all Financial Assets and Investment Property owned by such
Pledgor from time to time; and

            (g) all Proceeds of any and all of the foregoing.

            Notwithstanding anything to the contrary contained in this Section
3.1, (x) except as otherwise provided in Section 8.13 of the Credit Agreement,
no Pledgor (to the extent that it is the Borrower or a Domestic Subsidiary of
the Borrower) shall be required at any time to pledge hereunder more than 65% of
the Voting Stock of any Foreign Corporation and (y) each Pledgor shall be
required to pledge hereunder 100% of any Non-Voting Stock at any time and from
time to time acquired by such Pledgor of any Foreign Corporation.

            3.2 Procedures.

            (a) To the extent that any Pledgor at any time or from time to time
owns, acquires or obtains any right, title or interest in any Collateral, such
Collateral shall automatically (and without the taking of any action by the
respective Pledgor) be pledged pursuant to Section 3.1 of this Agreement and, in
addition thereto, such Pledgor shall (to the extent provided below) take the
following actions as set forth below (as promptly as practicable and, in any
event, within 10 days after it obtains such Collateral) for the benefit of the
Pledgee and the Secured Creditors:

            (i) with respect to a Certificated Security (other than a
      Certificated Security credited on the books of a Clearing Corporation),
      the respective Pledgor shall deliver such Certificated Security to the
      Pledgee, indorsed to the Pledgee or indorsed in blank;

            (ii) with respect to an Uncertificated Security (other than an
      Uncertificated Security credited on the books of a Clearing Corporation),
      the respective Pledgor shall cause the issuer of such Uncertificated
      Security (or, in the case of an issuer that is not a Subsidiary of such
      Pledgor, will use its best efforts to cause such issuer) to duly authorize
      and execute, and deliver to the Pledgee, an agreement for the benefit of
      the Pledgee and the Secured Creditors substantially in the form of Annex G
      hereto (appropriately completed to the reasonable satisfaction of the
      Pledgee and with such modifications, if any, as shall be reasonably
      satisfactory to the Pledgee) pursuant to which such issuer agrees to
      comply with any and all instructions originated by the Pledgee without
      further consent by the registered owner and not to comply with
      instructions regarding such Uncertificated Security (and any Partnership
      Interests and Limited Liability Company

                                      -8-
<PAGE>
      Interests issued by such issuer) originated by any other Person other than
      a court of competent jurisdiction;

            (iii) with respect to a Certificated Security, Uncertificated
      Security, Partnership Interest or Limited Liability Company Interest
      credited on the books of a Clearing Corporation (including a Federal
      Reserve Bank, Participants Trust Company or The Depository Trust Company),
      the respective Pledgor shall promptly notify the Pledgee thereof and shall
      promptly take all actions required (i) to comply with the applicable rules
      of such Clearing Corporation and (ii) to perfect the security interest of
      the Pledgee under applicable law (including, in any event, under Sections
      9-106(a) and (b), 9-312(a), 9-314(c) and 8-106 (d) of the UCC). The
      Pledgor further agrees to take such actions as the Pledgee deems
      reasonably necessary or desirable to effect the foregoing;

            (iv) with respect to a Partnership Interest or a Limited Liability
      Company Interest (other than (x) a Partnership Interest or Limited
      Liability Interest credited on the books of a Clearing Corporation or (y)
      a Limited Liability Company Interest of an Inactive Subsidiary to the
      extent that same remains an "Inactive Subsidiary"), (1) if such
      Partnership Interest or Limited Liability Company Interest is represented
      by a certificate, the procedure set forth in Section 3.2(a)(i) hereof, and
      (2) if such Partnership Interest or Limited Liability Company Interest is
      not represented by a certificate, the procedure set forth in Section
      3.2(a)(ii) hereof;

            (v) with respect to any Note, delivery of such Note to the Pledgee,
      indorsed to the Pledgee or indorsed in blank;

            (vi) with respect to cash, (i) establishment by the Pledgee of a
      cash account in the name of such Pledgor over which the Pledgee shall have
      exclusive and absolute control and dominion (and no withdrawals or
      transfers may be made therefrom by any Person except with the prior
      written consent of the Pledgee) and (ii) deposit of such cash in such cash
      account;

            (vii) with respect to Collateral Accounts, the respective Pledgor
      shall cause each securities intermediary or deposit account bank to duly
      execute and deliver to the Pledgee an agreement for the benefit of the
      Pledgee and the Secured Creditors, substantially in the form of Annex H or
      I, as applicable (appropriately completed to the reasonable satisfaction
      of the Pledgee and with such modifications, if any, as shall be reasonably
      satisfactory to the Pledgee).

            (b) In addition to the actions required to be taken pursuant to
proceeding Section 3.2(a) hereof, each Pledgor shall take the following
additional actions with respect to the Securities and Collateral :

            (i) with respect to all Collateral of such Pledgor whereby or with
      respect to which the Pledgee may obtain "control" thereof within the
      meaning of Section 8-106 of the UCC (or under any provision of the UCC as
      same may be amended or supplemented from time to time, or under the laws
      of any relevant State other than the State of Illinois),

                                      -9-
<PAGE>
      the respective Pledgor shall take all actions as may be reasonably
      requested from time to time by the Pledgee so that "control" of such
      Collateral is obtained and at all times held by the Pledgee; and

            (ii) each Pledgor shall from time to time cause appropriate
      financing statements (on Form UCC-1 or other appropriate form) under the
      Uniform Commercial Code as in effect in the various relevant States, on
      form covering all Collateral hereunder (with the form of such financing
      statements to be satisfactory to the Pledgee), to be filed in the relevant
      filing offices so that at all times the Pledgee has a security interest in
      all Investment Property and other Collateral which is perfected by the
      filing of such financing statements (in each case to the maximum extent
      perfection by filing may be obtained under the laws of the relevant
      States, including, without limitation, Section 9-312(a) of the UCC).

            3.3 Subsequently Acquired Collateral. If any Pledgor shall acquire
(by purchase, stock dividend or otherwise) any additional Collateral at any time
or from time to time after the date hereof, such Collateral shall automatically
(and without any further action being required to be taken) be subject to the
pledge and security interests created pursuant to Section 3.1 hereof and,
furthermore, the Pledgor will promptly thereafter take (or cause to be taken)
all action with respect to such Collateral in accordance with the procedures set
forth in Section 3.2 hereof, and will promptly thereafter deliver to the Pledgee
(i) a certificate executed by a principal executive officer of such Pledgor
describing such Collateral and certifying that the same has been duly pledged in
favor of the Pledgee (for the benefit of the Secured Creditors) hereunder and
(ii) supplements to Annexes A through F hereto as are reasonably necessary to
cause such annexes to be complete and accurate at such time. Without limiting
the foregoing, each Pledgor shall be required to pledge hereunder any shares of
stock at any time and from time to time after the date hereof acquired by such
Pledgor of any Foreign Corporation, provided that (x) except as provided in
Section 8.15 of the Credit Agreement, no Pledgor (to the extent that it is the
Borrower or a Domestic Subsidiary of the Borrower) shall be required at any time
to pledge hereunder more than 65% of the Voting Stock of any Foreign Corporation
and (y) each Pledgor shall be required to pledge hereunder 100% of any
Non-Voting Stock at any time and from time to time acquired by such Pledgor of
any Foreign Corporation.

            3.4 Transfer Taxes. Each pledge of Collateral under Section 3.1 or
Section 3.3 hereof shall be accompanied by any transfer tax stamps required in
connection with the pledge of such Collateral.

            3.5 Definition of Pledged Notes. All Notes at any time pledged or
required to be pledged hereunder are hereinafter called the "Pledged Notes".

            3.6 Certain Representations and Warranties Regarding the Collateral.
Each Pledgor represents and warrants that on the date hereof (i) each Subsidiary
of such Pledgor, and the direct ownership thereof, is listed in Annex A hereto;
(ii) the Stock (and any warrants or options to purchase Stock) held by such
Pledgor consists of the number and type of shares of the stock (or warrants or
options to purchase any stock) of the corporations as described in Annex B
hereto; (iii) such Stock constitutes that percentage of the issued and
outstanding capital stock of

                                      -10-
<PAGE>
the issuing corporation as is set forth in Annex B hereto; (iv) the Notes held
by such Pledgor consist of the promissory notes described in Annex C hereto
where such Pledgor is listed as the lender; (v) the Limited Liability Company
Interests held by such Pledgor consist of the number and type of interests of
the Persons described in Annex D hereto; (vi) each such Limited Liability
Company Interest constitutes that percentage of the issued and outstanding
equity interest of the issuing Person as set forth in Annex D hereto; (vii) the
Partnership Interests held by such Pledgor consist of the number and type of
interests of the Persons described in Annex E hereto; (viii) each such
Partnership Interest constitutes that percentage or portion of the entire
partnership interest of the Partnership as set forth in Annex E hereto; (ix) the
Pledgor has complied with the respective procedure set forth in Section 3.2(a)
hereof with respect to each item of Collateral described in Annexes A through E
hereto; and (x) on the date hereof, such Pledgor owns no other Securities,
Limited Liability Company Interests or Partnership Interests.

            4. APPOINTMENT OF SUB-AGENTS; ENDORSEMENTS, ETC. If and to the
extent necessary to enable the Pledgee to perfect its security interest in any
of the Collateral or to exercise any of its remedies hereunder, the Pledgee
shall have the right to appoint one or more sub-agents for the purpose of
retaining physical possession of the Collateral, which may be held (in the
discretion of the Pledgee) in the name of the relevant Pledgor, endorsed or
assigned in blank or in favor of the Pledgee or any nominee or nominees of the
Pledgee or a sub-agent appointed by the Pledgee.

            5. VOTING, ETC., WHILE NO EVENT OF DEFAULT. Unless and until there
shall have occurred and be continuing an Event of Default, each Pledgor shall be
entitled to exercise any and all voting and other consensual rights pertaining
to the Collateral owned by it, and to give consents, waivers or ratifications in
respect thereof; provided, that, in each case, no vote shall be cast or any
consent, waiver or ratification given or any action taken or omitted to be taken
which would violate or be inconsistent with any of the terms of this Agreement,
the Credit Agreement, any other Credit Document or any Interest Rate Protection
Agreement or Other Hedging Agreement (collectively, the "Secured Debt
Agreements"), or which would have the effect of impairing the value of the
Collateral or any part thereof or the position or interests of the Pledgee or
any other Secured Creditor in the Collateral. All such rights of each Pledgor to
vote and to give consents, waivers and ratifications shall cease in case an
Event of Default has occurred and is continuing, and Section 7 hereof shall
become applicable.

            6. DIVIDENDS AND OTHER DISTRIBUTIONS. Unless and until there shall
have occurred and be continuing an Event of Default, all cash dividends, cash
distributions, cash Proceeds and other cash amounts payable in respect of the
Collateral shall be paid to the respective Pledgor. The Pledgee shall be
entitled to receive directly, and to retain as part of the Collateral:

            (i) all other or additional stock, notes, limited liability company
      interests, partnership interests, instruments or other securities or
      property (including, but not limited to, cash dividends other than as set
      forth above) paid or distributed by way of dividend or otherwise in
      respect of the Collateral;

                                      -11-
<PAGE>
            (ii) all other or additional stock, notes, limited liability company
      interests, partnership interests, instruments or other securities or
      property (including, but not limited to, cash) paid or distributed in
      respect of the Collateral by way of stock-split, spin-off, split-up,
      reclassification, combination of shares or similar rearrangement; and

            (iii) all other or additional stock, notes, limited liability
      company interests, partnership interests, instruments or other securities
      or property (including, but not limited to, cash) which may be paid in
      respect of the Collateral by reason of any consolidation, merger, exchange
      of stock, conveyance of assets, liquidation or similar corporate
      reorganization.

Nothing contained in this Section 6 shall limit or restrict in any way the
Pledgee's right to receive proceeds of the Collateral in any form in accordance
with Section 3 of this Agreement. All dividends, distributions or other payments
which are received by any Pledgor contrary to the provisions of this Section 6
and Section 7 hereof shall be received in trust for the benefit of the Pledgee,
shall be segregated from other property or funds of such Pledgor and shall be
forthwith paid over to the Pledgee as Collateral in the same form as so received
(with any necessary endorsement).

            7. REMEDIES IN CASE OF DEFAULT OR EVENT OF DEFAULT. If there shall
have occurred and be continuing an Event of Default, then and in every such
case, the Pledgee shall be entitled to exercise all of the rights, powers and
remedies (whether vested in it by this Agreement, any other Secured Debt
Agreement or by law) for the protection and enforcement of its rights in respect
of the Collateral, and the Pledgee shall be entitled to exercise all the rights
and remedies of a secured party under the Uniform Commercial Code as in effect
in any relevant jurisdiction and also shall be entitled, without limitation, to
exercise the following rights, which each Pledgor hereby agrees to be
commercially reasonable:

            (i) to receive all amounts payable in respect of the Collateral
      otherwise payable under Section 6 hereof to the respective Pledgor;

            (ii) to transfer all or any part of the Collateral into the
      Pledgee's name or the name of its nominee or nominees;

            (iii) to accelerate any Pledged Note which may be accelerated in
      accordance with its terms, and take any other lawful action to collect
      upon any Pledged Note (including, without limitation, to make any demand
      for payment thereon);

            (iv) to vote all or any part of the Collateral (whether or not
      transferred into the name of the Pledgee) and give all consents, waivers
      and ratifications in respect of the Collateral and otherwise act with
      respect thereto as though it were the outright owner thereof (each Pledgor
      hereby irrevocably constituting and appointing the Pledgee the proxy and
      attorney-in-fact of such Pledgor, with full power of substitution to do
      so);

            (v) at any time and from time to time to sell, assign and deliver,
      or grant options to purchase, all or any part of the Collateral, or any
      interest therein, at any public

                                      -12-
<PAGE>
      or private sale, without demand of performance, advertisement or notice of
      intention to sell or of the time or place of sale or adjournment thereof
      or to redeem or otherwise (all of which are hereby waived by each
      Pledgor), for cash, on credit or for other property, for immediate or
      future delivery without any assumption of credit risk, and for such price
      or prices and on such terms as the Pledgee in its absolute discretion may
      determine, provided that at least 10 days' written notice of the time and
      place of any such sale shall be given to the respective Pledgor. The
      Pledgee shall not be obligated to make any such sale of Collateral
      regardless of whether any such notice of sale has theretofore been given.
      Each Pledgor hereby waives and releases to the fullest extent permitted by
      law any right or equity of redemption with respect to the Collateral,
      whether before or after sale hereunder, and all rights, if any, of
      marshalling the Collateral and any other security for the Obligations or
      otherwise. At any such sale, unless prohibited by applicable law, the
      Pledgee on behalf of the Secured Creditors may bid for and purchase all or
      any part of the Collateral so sold free from any such right or equity of
      redemption. Neither the Pledgee nor any other Secured Creditor shall be
      liable for failure to collect or realize upon any or all of the Collateral
      or for any delay in so doing nor shall any of them be under any obligation
      to take any action whatsoever with regard thereto; and

            (vi) to set-off any and all Collateral against any and all
      Obligations, and to withdraw any and all cash or other Collateral from any
      and all Collateral Accounts and to apply such cash and other Collateral to
      the payment of any and all Obligations.

The Pledgee shall not exercise any rights under Section 3 of any Securities
Account Control Agreement, executed and delivered pursuant to Section
3.2(a)(vii) of this Agreement, or under Section 2 of any Deposit Account Control
Agreement, executed and delivered pursuant to Section 3.2(a)(vii) of this
Agreement, unless an Event of Default shall exist.

            8. REMEDIES, CUMULATIVE, ETC. Each and every right, power and remedy
of the Pledgee provided for in this Agreement or in any other Secured Debt
Agreement, or now or hereafter existing at law or in equity or by statute shall
be cumulative and concurrent and shall be in addition to every other such right,
power or remedy. The exercise or beginning of the exercise by the Pledgee or any
other Secured Creditor of any one or more of the rights, powers or remedies
provided for in this Agreement or any other Secured Debt Agreement or now or
hereafter existing at law or in equity or by statute or otherwise shall not
preclude the simultaneous or later exercise by the Pledgee or any other Secured
Creditor of all such other rights, powers or remedies, and no failure or delay
on the part of the Pledgee or any other Secured Creditor to exercise any such
right, power or remedy shall operate as a waiver thereof. No notice to or demand
on any Pledgor in any case shall entitle it to any other or further notice or
demand in similar or other circumstances or constitute a waiver of any of the
rights of the Pledgee or any other Secured Creditor to any other or further
action in any circumstances without notice or demand. The Secured Creditors
agree that this Agreement may be enforced only by the action of the Pledgee, in
each case acting upon the instructions of the Required Lenders (or, after the
date on which all Credit Document Obligations have been paid in full, the
holders of at least the majority of the outstanding Other Obligations) and that
no other Secured Creditor shall have any right individually to seek to enforce
or to enforce this Agreement or to realize upon the security to be

                                      -13-
<PAGE>
granted hereby, it being understood and agreed that such rights and remedies may
be exercised by the Pledgee for the benefit of the Secured Creditors upon the
terms of this Agreement.

            9. APPLICATION OF PROCEEDS. All monies collected by the Pledgee upon
any sale or other disposition of the Collateral pursuant to the terms of this
Agreement, together with all other monies received by the Pledgee hereunder,
shall be applied in the manner provided in the Security Agreement. It is
understood and agreed that the Pledgors shall remain jointly and severally
liable to the extent of any deficiency between the amount of the proceeds of the
Collateral hereunder and the aggregate amount of the Obligations.

            10. PURCHASERS OF COLLATERAL. Upon any sale of the Collateral by the
Pledgee hereunder (whether by virtue of the power of sale herein granted,
pursuant to judicial process or otherwise), the receipt of the Pledgee or the
officer making the sale shall be a sufficient discharge to the purchaser or
purchasers of the Collateral so sold, and such purchaser or purchasers shall not
be obligated to see to the application of any part of the purchase money paid
over to the Pledgee or such officer or be answerable in any way for the
misapplication or nonapplication thereof.

            11. INDEMNITY. Each Pledgor jointly and severally agrees (i) to
indemnify and hold harmless the Pledgee in such capacity and each other Secured
Creditor and their respective successors, assigns, employees, agents and
affiliates (individually an "Indemnitee," and collectively the "Indemnitees")
from and against any and all claims, demands, losses, judgments and liabilities
(including liabilities for penalties) of whatsoever kind or nature, and (ii) to
reimburse each Indemnitee for all reasonable costs and expenses, including
reasonable attorneys' fees, in each case growing out of or resulting from this
Agreement or the exercise by any Indemnitee of any right or remedy granted to it
hereunder or under any other Secured Debt Agreement (but excluding any claims,
demands, losses, judgments and liabilities or expenses to the extent incurred by
reason of gross negligence or willful misconduct of such Indemnitee). In no
event shall the Pledgee be liable, in the absence of gross negligence or willful
misconduct on its part, for any matter or thing in connection with this
Agreement other than to account for monies actually received by it in accordance
with the terms hereof. If and to the extent that the obligations of any Pledgor
under this Section 11 are unenforceable for any reason, such Pledgor hereby
agrees to make the maximum contribution to the payment and satisfaction of such
obligations which is permissible under applicable law.

            12. PLEDGEE NOT A PARTNER OR LIMITED LIABILITY COMPANY MEMBER.

            (a) Nothing herein shall be construed to make the Pledgee or any
other Secured Creditor liable as a member of any limited liability company or as
a partner of any partnership and neither the Pledgee nor any other Secured
Creditor by virtue of this Agreement or otherwise (except as referred to in the
following sentence) shall have any of the duties, obligations or liabilities of
a member of any limited liability company or partnership. The parties hereto
expressly agree that, unless the Pledgee shall become the absolute owner of
Collateral consisting of a Limited Liability Company Interest or Partnership
Interest pursuant hereto, this Agreement

                                      -14-
<PAGE>
shall not be construed as creating a partnership or joint venture among the
Pledgee, any other Secured Creditor, any Pledgor and/or any other Person.

            (b) Except as provided in the last sentence of paragraph (a) of this
Section 12, the Pledgee, by accepting this Agreement, did not intend to become a
member of any limited liability company or a partner of any partnership or
otherwise be deemed to be a co-venturer with respect to any Pledgor, any limited
liability company, partnership and/or any other Person either before or after an
Event of Default shall have occurred. The Pledgee shall have only those powers
set forth herein and the Secured Creditors shall assume none of the duties,
obligations or liabilities of a member of any limited liability company or as a
partner of any partnership or any Pledgor except as provided in the last
sentence of paragraph (a) of this Section 12.

            (c) The Pledgee and the other Secured Creditors shall not be
obligated to perform or discharge any obligation of any Pledgor as a result of
the pledge hereby effected.

            (d) The acceptance by the Pledgee of this Agreement, with all the
rights, powers, privileges and authority so created, shall not at any time or in
any event obligate the Pledgee or any other Secured Creditor to appear in or
defend any action or proceeding relating to the Collateral to which it is not a
party, or to take any action hereunder or thereunder, or to expend any money or
incur any expenses or perform or discharge any obligation, duty or liability
under the Collateral.

            13. FURTHER ASSURANCES; POWER-OF-ATTORNEY.

            (a) Each Pledgor agrees that it will join with the Pledgee in
executing and, at such Pledgor's own expense, file and refile under the Uniform
Commercial Code or other applicable law such financing statements, continuation
statements and other documents in such offices as the Pledgee may deem
reasonably necessary and wherever required by law in order to perfect and
preserve the Pledgee's security interest in the Collateral and hereby authorizes
the Pledgee to file financing statements and amendments thereto relative to all
or any part of the Collateral without the signature of such Pledgor where
permitted by law, and agrees to do such further acts and things and to execute
and deliver to the Pledgee such additional conveyances, assignments, agreements
and instruments as the Pledgee may reasonably require or deem necessary to carry
into effect the purposes of this Agreement or to further assure and confirm unto
the Pledgee its rights, powers and remedies hereunder.

            (b) Each Pledgor hereby appoints the Pledgee such Pledgor's
attorney-in-fact, with full authority in the place and stead of such Pledgor and
in the name of such Pledgor or otherwise, to act from time to time solely after
the occurrence and during the continuance of an Event of Default in the
Pledgee's reasonable discretion to take any action and to execute any instrument
which the Pledgee may deem reasonably necessary or advisable to accomplish the
purposes of this Agreement.

            14. THE PLEDGEE AS AGENT. The Pledgee will hold in accordance with
this Agreement all items of the Collateral at any time received under this
Agreement. It is expressly understood and agreed by each Secured Creditor that
by accepting the benefits of this Agreement

                                      -15-
<PAGE>
each such Secured Creditor acknowledges and agrees that the obligations of the
Pledgee as holder of the Collateral and interests therein and with respect to
the disposition thereof, and otherwise under this Agreement, are only those
expressly set forth in this Agreement. The Pledgee shall act hereunder on the
terms and conditions set forth herein and in Section 12 of the Credit Agreement.

            15. TRANSFER BY THE PLEDGORS. No Pledgor will sell or otherwise
dispose of, grant any option with respect to, or mortgage, pledge or otherwise
encumber any of the Collateral or any interest therein (except as may be
permitted in accordance with the terms of the Credit Agreement).

            16. REPRESENTATIONS, WARRANTIES AND COVENANTS OF THE PLEDGORS.

            (a) Each Pledgor represents, warrants and covenants that:

            (i) it is the legal, beneficial and record owner of, and has good
      and marketable title to, all Collateral consisting of one or more
      Securities and that it has sufficient interest in all Collateral in which
      a security interest is purported to be created hereunder for such security
      interest to attach (subject, in each case, to no pledge, lien, mortgage,
      hypothecation, security interest, charge, option, Adverse Claim or other
      encumbrance whatsoever, except the liens and security interests created by
      this Agreement);

            (ii) it has full power, authority and legal right to pledge all the
      Collateral pledged by it pursuant to this Agreement;

            (iii) this Agreement has been duly authorized, executed and
      delivered by such Pledgor and constitutes a legal, valid and binding
      obligation of such Pledgor enforceable against such Pledgor in accordance
      with its terms, except to the extent that the enforceability thereof may
      be limited by applicable bankruptcy, insolvency, reorganization,
      moratorium or other similar laws generally affecting creditors' rights and
      by equitable principles (regardless of whether enforcement is sought in
      equity or at law);

            (iv) except to the extent already obtained or made, no consent of
      any other party (including, without limitation, any stockholder, partner,
      member or creditor of such Pledgor or any of its Subsidiaries) and no
      consent, license, permit, approval or authorization of, exemption by,
      notice or report to, or registration, filing or declaration with, any
      governmental authority is required to be obtained by such Pledgor in
      connection with (a) the execution, delivery or performance of this
      Agreement, (b) the validity or enforceability of this Agreement, (c) the
      perfection or enforceability of the Pledgee's security interest in the
      Collateral or (d) except for compliance with or as may be required by
      applicable securities laws, the exercise by the Pledgee of any of its
      rights or remedies provided herein;

            (v) the execution, delivery and performance of this Agreement will
      not violate any provision of any applicable law or regulation or of any
      order, judgment, writ, award

                                      -16-
<PAGE>
      or decree of any court, arbitrator or governmental authority, domestic or
      foreign, applicable to such Pledgor, or of the certificate of
      incorporation, operating agreement, limited liability company agreement,
      partnership agreement or by-laws of such Pledgor or of any securities
      issued by such Pledgor or any of its Subsidiaries, or of any mortgage,
      deed of trust, indenture, lease, loan agreement, credit agreement or other
      material contract, agreement or instrument or undertaking to which such
      Pledgor or any of its Subsidiaries is a party or which purports to be
      binding upon such Pledgor or any of its Subsidiaries or upon any of their
      respective assets and will not result in the creation or imposition of (or
      the obligation to create or impose) any lien or encumbrance on any of the
      assets of such Pledgor or any of its Subsidiaries except as contemplated
      by this Agreement;

            (vi) all of the Collateral (consisting of Securities, Limited
      Liability Company Interests or Partnership Interests) has been duly and
      validly issued and acquired, is fully paid and non-assessable and is
      subject to no options to purchase or similar rights;

            (vii) each of the Pledged Notes constituting an Intercompany Note
      constitutes, or when executed by the obligor thereof will constitute, the
      legal, valid and binding obligation of such obligor, enforceable in
      accordance with its terms, except to the extent that the enforceability
      thereof may be limited by applicable bankruptcy, insolvency,
      reorganization, moratorium or other similar laws generally affecting
      creditors' rights and by equitable principles (regardless of whether
      enforcement is sought in equity or at law); and

            (viii) the pledge and collateral assignment to, and possession by,
      the Pledgee of the Collateral consisting of Certificated Securities and
      Pledged Notes pursuant to this Agreement creates a valid and perfected
      first priority security interest in such Certificated Securities and
      Pledged Notes, and the proceeds thereof, subject to no prior Lien or
      encumbrance or to any agreement purporting to grant to any third party a
      Lien or encumbrance on the property or assets of such Pledgor which would
      include the Securities and the Pledgee is entitled to all the rights,
      priorities and benefits afforded by the UCC or other relevant law as
      enacted in any relevant jurisdiction to perfect security interests in
      respect of such Collateral; and

            (ix) "control" (as defined in Section 8-106 of the UCC) has been
      obtained by the Pledgee over all Collateral consisting of Securities
      (including Notes which are Securities) with respect to which such
      "control" may be obtained pursuant to Section 8-106 of the UCC.

            (b) Each Pledgor covenants and agrees that it will defend the
Pledgee's right, title and security interest in and to the Securities and the
proceeds thereof against the claims and demands of all persons whomsoever; and
each Pledgor covenants and agrees that it will have like title to and right to
pledge any other property at any time hereafter pledged to the Pledgee as
Collateral hereunder and will likewise defend the right thereto and security
interest therein of the Pledgee and the other Secured Creditors.

                                      -17-
<PAGE>
            17. CHIEF EXECUTIVE OFFICE; JURISDICTION OF ORGANIZATION RECORDS.
The full legal name and jurisdiction of organization of Pledgor is as set forth
in Annex F hereto. The chief executive office of each Pledgor is located at the
address specified in Annex F hereto. Each Pledgor will not move its chief
executive office except to such new location as such Pledgor may establish in
accordance with the last sentence of this Section 17. The originals of all
documents in the possession of such Pledgor evidencing all Collateral, including
but not limited to all Limited Liability Company Interests and Partnership
Interests, and the only original books of account and records of such Pledgor
relating thereto are, and will continue to be, kept at such chief executive
office as specified in Annex F hereto, or at such new locations as such Pledgor
may establish in accordance with the last sentence of this Section 17. All
Limited Liability Company Interests and Partnership Interests are, and will
continue to be, maintained at, and controlled and directed (including, without
limitation, for general accounting purposes) from, such chief executive office
as specified in Annex F hereto, or such new locations as such Pledgor may
establish in accordance with the last sentence of this Section 17. No Pledgor
shall change its chief executive office, name, form of organization from that of
a corporation or jurisdiction of organization until (i) it shall have given to
the Pledgee not less than 30 days' prior written notice of its intention so to
do, clearly describing the proposed changes and providing such other information
in connection therewith as the Pledgee may reasonably request and (ii) with
respect to such changes, it shall have taken all action, satisfactory to the
Pledgee, to maintain the security interest of the Collateral Agent in the
Collateral intended to be granted hereby at all times fully perfected and in
full force and effect. Promptly after establishing a new location for such
offices in accordance with the immediately preceding sentence, the respective
Pledgor shall deliver to the Pledgee a supplement to Annex F hereto so as to
cause such Annex F hereto to be complete and accurate.

            18. PLEDGORS' OBLIGATIONS ABSOLUTE, ETC. The obligations of each
Pledgor under this Agreement shall be absolute and unconditional and shall
remain in full force and effect without regard to, and shall not be released,
suspended, discharged, terminated or otherwise affected by, any circumstance or
occurrence whatsoever, including, without limitation: (i) any renewal,
extension, amendment or modification of or addition or supplement to or deletion
from any Secured Debt Agreement or any other instrument or agreement referred to
therein, or any assignment or transfer of any thereof; (ii) any waiver, consent,
extension, indulgence or other action or inaction under or in respect of any
such agreement or instrument including, without limitation, this Agreement;
(iii) any furnishing of any additional security to the Pledgee or its assignee
or any acceptance thereof or any release of any security by the Pledgee or its
assignee; (iv) any limitation on any party's liability or obligations under any
such instrument or agreement or any invalidity or unenforceability, in whole or
in part, of any such instrument or agreement or any term thereof; or (v) any
bankruptcy, insolvency, reorganization, composition, adjustment, dissolution,
liquidation or other like proceeding relating to any Pledgor or any Subsidiary
of any Pledgor, or any action taken with respect to this Agreement by any
trustee or receiver, or by any court, in any such proceeding, whether or not
such Pledgor shall have notice or knowledge of any of the foregoing.

            19. REGISTRATION, ETC.

                                      -18-
<PAGE>
            (a) If there shall have occurred and be continuing an Event of
Default then, and in every such case, upon receipt by any Pledgor from the
Pledgee of a written request or requests that such Pledgor cause any
registration, qualification or compliance under any Federal or state securities
law or laws to be effected with respect to all or any part of the Collateral
consisting of Securities, Limited Liability Company Interests or Partnership
Interests, such Pledgor as soon as practicable and at its expense will cause
such registration to be effected (and be kept effective) and will cause such
qualification and compliance to be declared effected (and be kept effective) as
may be so requested and as would permit or facilitate the sale and distribution
of such Collateral, including, without limitation, registration under the
Securities Act, as then in effect (or any similar statute then in effect),
appropriate qualifications under applicable blue sky or other state securities
laws and appropriate compliance with any other government requirements,
provided, that the Pledgee shall furnish to such Pledgor such information
regarding the Pledgee as such Pledgor may reasonably request in writing and as
shall be required in connection with any such registration, qualification or
compliance. Such Pledgor will cause the Pledgee to be kept advised in writing as
to the progress of each such registration, qualification or compliance and as to
the completion thereof, will furnish to the Pledgee such number of prospectuses,
offering circulars or other documents incident thereto as the Pledgee from time
to time may reasonably request, and will indemnify the Pledgee, each other
Secured Creditor and all others participating in the distribution of such
Collateral against all claims, losses, damages and liabilities caused by any
untrue statement (or alleged untrue statement) of a material fact contained
therein (or in any related registration statement, notification or the like) or
by any omission (or alleged omission) to state therein (or in any related
registration statement, notification or the like) a material fact required to be
stated therein or necessary to make the statements therein not misleading,
except insofar as the same may have been caused by an untrue statement or
omission based upon information furnished in writing to such Pledgor by the
Pledgee or such other Secured Creditor expressly for use therein.

            (b) If at any time when the Pledgee shall determine to exercise its
right to sell all or any part of the Collateral consisting of Securities,
Limited Liability Company Interests or Partnership Interests pursuant to Section
7 hereof, and the Collateral or the part thereof to be sold shall not, for any
reason whatsoever, be effectively registered under the Securities Act, as then
in effect, the Pledgee may, in its sole and absolute discretion, sell such
Collateral, as the case may be, or part thereof by private sale in such manner
and under such circumstances as the Pledgee may deem necessary or advisable in
order that such sale may legally be effected without such registration. Without
limiting the generality of the foregoing, in any such event the Pledgee, in its
sole and absolute discretion (i) may proceed to make such private sale
notwithstanding that a registration statement for the purpose of registering
such Collateral or part thereof shall have been filed under such Securities Act,
(ii) may approach and negotiate with a single possible purchaser to effect such
sale, and (iii) may restrict such sale to a purchaser who will represent and
agree that such purchaser is purchasing for its own account, for investment, and
not with a view to the distribution or sale of such Collateral or part thereof.
In the event of any such sale, the Pledgee shall incur no responsibility or
liability for selling all or any part of the Collateral at a price which the
Pledgee, in its sole and absolute discretion, in good faith deems reasonable
under the circumstances, notwithstanding the possibility that a substantially
higher price might be realized if the sale were deferred until after
registration as aforesaid.

                                      -19-
<PAGE>
            20. TERMINATION; RELEASE.

            (a) After the Termination Date, this Agreement and the security
interest created hereby shall terminate (provided that all indemnities set forth
herein including, without limitation, in Section 11 hereof shall survive any
such termination), and the Pledgee, at the request and expense of any Pledgor,
will execute and deliver to such Pledgor a proper instrument or instruments
acknowledging the satisfaction and termination of this Agreement, and will duly
assign, transfer and deliver to such Pledgor (without recourse and without any
representation or warranty) such of the Collateral as has not theretofore been
sold or otherwise applied or released pursuant to this Agreement, together with
any monies at the time held by the Pledgee or any of its sub-agents hereunder.
As used in this Agreement, "Termination Date" shall mean the date upon which the
Total Commitment and all Interest Rate Protection Agreements and Other Hedging
Agreements have been terminated, no Note under the Credit Agreement is
outstanding (and all Loans have been repaid in full), all Letters of Credit have
been terminated and all Obligations then due and payable have been paid in full.

            (b) In the event that any part of the Collateral is sold in
connection with a sale permitted by Section 9.02 of the Credit Agreement (other
than a sale to any Pledgor or any Subsidiary thereof) or is otherwise released
at the direction of the Required Lenders (or all Lenders if required by Section
13.12 of the Credit Agreement) and the proceeds of such sale or sales or from
such release are applied in accordance with the provisions of the Credit
Agreement, to the extent required to be so applied, the Pledgee, at the request
and expense of any Pledgor, will duly assign, transfer and deliver to such
Pledgor (without recourse and without any representation or warranty) such of
the Collateral (and releases therefor) as is then being (or has been) so sold or
released and has not theretofore been released pursuant to this Agreement.

            (c) At any time that a Pledgor desires that the Pledgee assign,
transfer and deliver Collateral (and releases therefor) as provided in Section
20(a) or (b) hereof, it shall deliver to the Pledgee a certificate signed by a
principal executive officer of such Pledgor stating that the release of the
respective Collateral is permitted pursuant to such Section 20(a) or (b).

            (d) The Pledgee shall have no liability whatsoever to any other
Secured Creditor as the result of any release of Collateral by it in accordance
with this Section 20.

            21. NOTICES, ETC. All such notices and communications hereunder
shall be sent or delivered by mail, telegraph, telex, telecopy, cable or
overnight courier service and all such notices and communications shall, when
mailed, telegraphed, telexed, telecopied, or cabled or sent by overnight
courier, be effective when deposited in the mails, delivered to the telegraph
company, cable company or overnight courier, as the case may be, or sent by
telex or telecopier and when mailed shall be effective three Business Days
following deposit in the mail with proper postage, except that notices and
communications to the Pledgee or any Pledgor shall not be effective until
received by the Pledgee or such Pledgor, as the case may be. All notices and
other communications shall be in writing and addressed as follows:

                                      -20-
<PAGE>
            (a) if to any Pledgor, at:

            c/o infoUSA Inc.
            5711 South 86th Circle
            Omaha, Nebraska 68127
            Attention: Chief Financial Officer
            Telephone No.: (402) 593-4500
            Telecopier No.: (402) 331-1505

            (b) if to the Pledgee, at:

            Bank of America, N.A.
            231 South LaSalle Street
            Chicago, Illinois 60697
            Attention: David Johanson
            Telephone No.: (312) 828-7933
            Telecopier No.: (312) 974-9102

            (c) if to any Lender Creditor, either (x) to the Administrative
Agent, at the address of the Administrative Agent specified in the Credit
Agreement or (y) at such address as such Lender Creditor shall have specified in
the Credit Agreement;

            (d) if to any Other Creditor at such address as such Other Creditor
shall have specified in writing to the Pledgors and the Pledgee;

or at such other address as shall have been furnished in writing by any Person
described above to the party required to give notice hereunder.

            22. WAIVER; AMENDMENT. None of the terms and conditions of this
Agreement may be changed, waived, modified or varied in any manner whatsoever
unless in writing duly signed by each Pledgor directly affected thereby and the
Pledgee (with the written consent of either (x) the Required Lenders (or all of
the Lenders to the extent required by Section 13.12 of the Credit Agreement) at
all times prior to the time on which all Credit Document Obligations have been
paid in full or (y) the holders of at least 50% of the aggregate principal
amount of the outstanding Other Obligations at all times after the time on which
all Credit Document Obligations have been paid in full); provided, that any
change, waiver, modification or variance affecting the rights and benefits of a
single Class (as defined below) of Secured Creditors (and not all Secured
Creditors in a like or similar manner) shall also require the written consent of
the Requisite Creditors (as defined below) of such affected Class. For the
purpose of this Agreement, the term "Class" shall mean each class of Secured
Creditors, i.e., whether (i) the Lender Creditors as holders of the Credit
Document Obligations or (ii) the Other Creditors as the holders of the Other
Obligations. For the purpose of this Agreement, the term "Requisite Creditors"
of any Class shall mean each of (i) with respect to the Credit Document
Obligations, the Required Lenders and (ii) with respect to the Other
Obligations, the holders of at least 50% of the aggregate principal amount of
the outstanding Other Obligations.

                                      -21-
<PAGE>
            23. MISCELLANEOUS. This Agreement shall be binding upon the parties
hereto and their respective successors and assigns and shall inure to the
benefit of and be enforceable by each of the parties hereto and its successors
and assigns, provided that no Pledgor may assign any of its rights or
obligations under this Agreement without the prior consent of the Collateral
Agent. THIS AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH AND
GOVERNED BY THE INTERNAL LAWS OF THE STATE OF ILLINOIS. EACH PLEDGOR IRREVOCABLY
WAIVES ALL RIGHT TO A TRIAL BY JURY IN ANY ACTION PROCEEDING OR COUNTERCLAIM
ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED
HEREBY. The headings in this Agreement are for purposes of reference only and
shall not limit or define the meaning hereof. This Agreement may be executed in
any number of counterparts, each of which shall be an original, but all of which
shall constitute one instrument. In the event that any provision of this
Agreement shall prove to be invalid or unenforceable, such provision shall be
deemed to be severable from the other provisions of this Agreement which shall
remain binding on all parties hereto.

            24. RECOURSE. This Agreement is made with full recourse to the
Pledgors and pursuant to and upon all the representations, warranties, covenants
and agreements on the part of the Pledgors contained herein and in the other
Secured Debt Agreements and otherwise in writing in connection herewith or
therewith.

            25. ADDITIONAL PLEDGORS. It is understood and agreed that any
Subsidiary of the Borrower that is required to execute a counterpart of this
Agreement after the date hereof pursuant to the Credit Agreement shall become a
Pledgor hereunder by executing a counterpart hereof and delivering the same to
the Pledgee.

                                     * * * *

                                      -22-
<PAGE>
            IN WITNESS WHEREOF, each Pledgor and the Pledgee have caused this
Agreement to be executed by their duly elected officers duly authorized as of
the date first above written.

                                       INFOUSA INC., as a Pledgor

                                       By
                                         -----------------------------------
                                         Title: Chief Financial Officer

                                       INFOUSA MARKETING, INC.,
                                           as a Pledgor

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

                                       AMERICAN CHURCH LISTS, INC., as a
                                           Pledgor

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

                                       BUSINESSCREDITUSA.COM, as a Pledgor

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

                                       CD-ROM TECHNOLOGIES, INC., as a
                                         Pledgor

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

                                       CITY DIRECTORIES, INC., as a Pledgor

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

                                 Signature Page
                                       to
                                Pledge Agreement
<PAGE>
                                       STRATEGIC INFORMATION
                                          MANAGEMENT, INC., as a Pledgor

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

                                       LIST BAZAAR.COM, as a Pledgor

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

                                       WALTER KARL, INC., as a Pledgor

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

                                       DONNELLEY MARKETING, INC., as a Pledgor

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

                                       VIDEO YELLOW PAGES USA.COM, INC.,
                                         as a Pledgor

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

                                       IDEXEC, INC.,
                                         as a Pledgor

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

                                 Signature Page
                                       to
                                Pledge Agreement
<PAGE>
Accepted and Agreed to:

BANK OF AMERICA, N.A.,
  as Pledgee, Collateral Agent

By
  ----------------------------
  Title: Vice President

                                 Signature Page
                                       to
                                Pledge Agreement

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